May This Love Never Find Me | Financial Audit

Let's go to hammer court. Plaintiff. dumb. What is going on? There's a lot of. purchases being made under the guise of. for the business. I want to figure out. how to bring our like debt down so I can. afford the car I want. Go into debt to. get a car. I mean some debt. I'm trying. to help you get out of debt to get in. debt. You got to spend money to make. money. Instead of actually trying to. clean up your situation, you ain't got a. two. Both of them were massive mistakes. I will give them this marriage. Download my budgeting app today and take.

control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my. cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment below. Hi, my name is Valentina and I'm 25. years old. Hi, my name is Julio. I am. 23. We live in Palm Beach, Florida. And. this is Financial Audit. Thanks for coming in from Palm Beach, guys. Well, Valentina, you're in front. of me, so let's start with you. What do. you do for a living? Uh, I am a. stay-at-home mom and a part-time crochet. artist. Okay. So, we're married. Yes.

Okay. Because these days, you know, sometimes we have people not married, some people divorce. Lots of interesting. couples. So, how long have we been. married? I think you just said uh did. you not say a little over three years? Three years. And the kids, how old are. they? Uh, one. He's He's two and a half. So, just one kid. Just the one kid. Yes, he's Okay, good. So, well, there's a kid. in this picture, which immediately means. any of the behavior you're making is. likely selfish and upsetting, but okay. And you, what do you do for a living. since she does not make money? Uh, I.

make the money. I am a plumber. I Okay. Work in dudu. And well, sure. And what. is. what does that make? Oh, I make uh 25 an. hour. How many hours a week are you. working? Is this enough to sustain one. house? I mean, trades can be good, but I. mean, 40 hours a week, I make a solid. 52. I mean, $52,000 a year. Palm Beach, not cheap. Not at all. Not at all. We uh.

don't just live by ourselves. We stay. with a very nice big house with family. Oh, 3 years into marriage, have a kid, and we're living with mom. Okay. So, you're really not being bread winner man. of the house type trad if uh wife is. staying home in trad. Okay, listen. Listen. We live with my. mom and my brother and it's cuz they got. kicked out of their apartment while we. were getting kicked out of our house and.

we decided everyone getting kicked out. of our houses. We lived in a house owned. by a church, okay? And they wanted their. pastor to move in after we spent a bunch. of money trying to fix the house. Why. would you spend money fixing our rental? Because it was filled with rats and. roaches. You you you leave you report it. to the city. I would love to do a lawyer. that we were not in the position. We had. just gotten married half like nor in. that area at the time. $500. You never. put money making someone else's property. better. It was supposed to be temporary.

Okay. But the money you spent wasn't. temporary. We did. It was my dad's. money. We did get months off of some of. some rent payments through the work that. was put in for in exchange for free. rent. That's not horrible. What What. timeline did they give you before you. were gone? Uh it wasn't very official. No, they told us they wanted to move. their pastor in by um June and we left. in like April. And they told you when? In like uh March. Okay. Well, that's. that's a decent amount of time. We were.

like getting kicked out. Okay. And then. why did your parents get kicked out? Or. so her um my mom and my brother live. together in an apartment. And how old's. your brother? 33. He's autistic, but. he's the bread winner of them two. Then. it's So his autism is not They're a. pairing. No, they're a pair. Yeah. Um. Yeah, but if he's out making a killing. Well, no, he works from home. Like he. feels entirely at home on their own. But. he can live alone. He's working and. making the money. They coexist. They.

they cohabit. So theism runs hard. Yeah. Yeah. The flow is strong. Okay. Like. he's he's great. Um Well, I didn't say. autistic people are bad. Did Did I just. say this? No. My my lawyer tells me I'm. severely autistic all the time. No. medical diagnosis. I'm just But but they. they have coexisted in a way that um. like they're not going to leave each. other cuz it just works. It works for. them. He brings in the money. You know, she's retired. So, how the [ __ ] are you.

guys living with them? 3 years into. marriage, have a kid. Listen, I'm. getting there. All right. My mom is. leaving cuz her um her landlord wanted. to move the daughter into their. apartment. So, they we all needed to. find somewhere to live. I had a. seven-month-old at the time. So, I was. my mom. So, we've been doing this for 2. years, just about. Yeah. Okay. It's It's. more of a roommate situation than like I. live with my mom because we pay you live. with your mom. Yes, we live with my mom. That's not necessarily a bad thing. In.

many cultures, there's lots of family. living communal, but in our culture, it. is a little more expected that you're. out there. And also, there is a little. bit less of a sense of independence in. this country specifically when we're. living with mommy. But in this in this. day and age, especially in Palm Beach, how are you how are you? One, you choose. to live in Palm Beach. Florida has a lot. of cities. Two, you go and work more if. she's not working. Right. Three, we're. almost to the point where we can get. some kind of city funded child uh.

preschool type situation and then we go. make some more money on this end if we. don't want to tra it out. That is the. plan. We're waiting until he's in. school. At that rate to be able to do. that. Well, why how many hours a week. are you working? I'm working 40. Okay. You could be working. I could be, but my. if we really wanted to, but if we're. going to use the in this day and age, but like I'm I'm trying to get on call. They're not giving me They're not. So, we get a job. We get a second job. I. don't have It's all easier said than.

done, of course. But these are things we. can do, especially if this has been two. years. And the excuse we use, well, I. ain't got no It's in this day and age. I. ain't got no college. I got no college. I guess if you're speaking like that, I. can confirm. But I mean, it works for. us. I love like living with my mom. Like, we coexist very well. Um, again, I'm not against it, guys. I'm just. saying there's no plans to move out. because we like where we are and not any. Yeah. Not anytime soon. Even if we. could. Okay. Well, how do you feel about. this independently if she was not being.

able to hear you? I mean, cuz you're living with her mom. We've already lived with living with. your mother-in-law, right? We already. That's a little different than someone. living with their mom. We already lived. on our own. We had We lived on our own. with with our son and it was great. But. like like you just heard, things. happened and moneywise. Yeah. But you. live with your mother-in-law. How do you. feel about that? Regardless of the. money, cuz she said regardless of the. money, she would stay. This is your. mother-in-law. Close your ears. She's. not here right now. What do you think? 100% things that I wish.

there. And this is what I knew the. answer would be. Okay. I am not against. this, but I know for a fact a dude. living with his mother-in-law is a. little different than the stay at home. mom living with the child's grandpa. Even me, it's it's not the easiest thing. in the world, ironically enough, but it. is incredibly helpful. What is your. account on a monthly basis? On a. monthly, that's a big determining factor. in this if this is something we well at. least on your end care about. So.

almost 4 grand average 8 to 900 a week. I get paid weekly, which is super sick, by the way. And then I get a I guess if. you're struggling to budget. Yeah. Yeah. Probably struggling. Uh $250 times 52. Oh, what? I also get a $200 incentive. every month. Every month. Okay. Okay. Okay. Okay. Okay. Yeah. Also pretty. sick. I occasionally make money. That's about. it. Throwing what? I do crochet markets.

Like I do I make crochet things and then. I sell them at markets. Right. Okay. So, occasionally making money is $5 every. six months. Okay. Well, more like 1,200. every six months. Okay. Something like. that. I mean, you could pay off debt, but it doesn't really That is entirely. what it's used for usually. Well, I hope. so, but we have debt right now, so I. don't think it's being used. successfully, I'll be honest. But okay. Well, you got to spend money to make. money. That's You got to say it.

Huh? Are you guys enabling each other's. 100% insanity? Well, yeah, you enable. me. What? What does that mean? I like buying. yarn and let it happen. Yeah, the um I. buy a lot of yarn. There's a lot of. purchases being made under the guise of. for the business. Yeah. The business. that brings in $1,200 every 6 months. How much is spent to get that $1,200? I. made How much is spent to get that? Like. $200 or $300 a month. Uh-huh. Something.

like that. Okay. So, I'm not going to. count that as income. No, that's fine. Oh, no. Cuz it's break even at best. True. $3,883. comes in on a normal month if we're. making an average. Mhm. How does that. feel? Is that right? Yeah. Solid. Okay. Palm Beach. That's [ __ ] Why do we have. this thing in Palm Beach? That's where. your job is. So, my job I mean, people. take [ __ ] in all other cities, right? I'm probably going to take one right. after this if this conversation is.

stressful enough. I I have some like. plumbing experience, but I'm more in. like in a very specific specialty. version of it. So, I can't just go to. another plumbing company and say, "Okay, well, your specialty is paying." So, I. think we're figuring something else out. I mean, I mean, not to I mean, yes, to. be blunt about it, I mean, he's up for. raises every six months and you just He. makes $25 in Palm Beach. I mean, like in. a trade. Yeah. But it's room for. movement. That's the thing. He wants to. keep growing in this company. Yeah. and.

bowels be moving constantly. He's still. making $25. How many How long have you. been doing this? I've only been doing it. for 2 years. Okay. Okay. So, I mean, $25. is not bad, but Palm Beach is just. horrendously true. But it's it's a it's. a situational it's a contextual thing, right? There's a But the growth factor. in this company is better than any other. garbage company I've worked with. So, it's just like at a certain point, I. don't really have any other better. options. No, not at all. Okay. Would we. consider doing that? I mean, I get into.

something a bit more specialized if. you're if you're working with your. hands. Mhm. You know, I know it's hard. now because we couldn't go to zero. income for the house, right? But it. could be a worthy investment if okay, you're helping sustain right now. She's. home. Okay, she jumps back in. that. allows you to back off, invest in your. future career, and then boom, we go back. in together post trade school and we. kill it. I mean, or you're going to push.

back against that because why? I mean, I. don't see the money being like cuz you. have to pay for trade school. You have. to put all that effort into there. I. spent no when I can just keep investing. into my job and keep making more and. more money cuz I But I want to get you. closer to like 75 80. Right now you're. at 45, right? But I'm like I'm jumping. ahead of myself, but at the same time. the room the room for growth is very. huge. Like I'm vibing with that. Like. lit literally like there was a like we.

call them team leads. These guys you say. you try to pick up extra hours and they. won't let you. Well, it's a little. conflicting. It's more specifically in the fact of. like there's the ability to become on. call and I've been putting feelers out. to try to like hey can I get on that. list just so you know I can get more. hours in in general. They really haven't. gotten back to me on it. But in the same. way it's like hey if I end up having to. work on a Friday or anything like that. or if someone comes available I can I. can immediately just offer myself up and. go for it. Do I do that?

I mean your schedule varies so much. You. want to be the one that has looked to go. up. Yeah. Why would we be doing not? I. mean, it's just the opportunities don't. come up as often as I would like them. to. And when they do, we Palm Beach. average hourly wage for plumbers is $34. So, you're substantially under that in. terms of percentage wise. What's that. like? Is that like an apprentice or is. that like That's median. It goes up to. 54 starting as low as 21. You're on the. low end. As low as 2147,

you're barely there. So this growth. opportunity better equal uh you're about. to double and west Palm West Palm Beach. where it's a little lower. Hourly wages. range between 27 Mhm. Mhm. but cap uh. lower closer to like $61,000 a year, but. you are about $20,000. You take an average and you're like Palm. Beach Gardens about $70,000. These. aren't averages. These are medians. How. many how many realw world people are. like apartments?

Not averages. You got to consider the. outlines, man. These are medians, not. averages. Does I didn't graduate college. either. I dropped out to make money. Yeah, that doesn't mean I'm a [ __ ]. right? These are medians, not averages. But, okay. I mean, I personally don't. want you leaving your job anyway. What. is going on? Cuz rabbit holes galore. What is going on? We are here to get a. car. I want a car. I want I want a.

second car. Sorry. Am I a dealership? I. want a second car. So, I want We're. here. I want to I want to figure out how. to bring our like debt down so I can. afford the car I want. Uh, okay. Okay. Okay. So, to go into debt to get a car? Uh, I mean some debt. Okay. See, that's. a car loan. You're I'm trying to help. you get out of debt to get in debt. Well, I want to get my credit. Yeah, I. know. A car loan's a debt. Then why are. you trying to differentiate? It's not. the credit debt down like debt down like.

my credit card. My credit card's down. So, you're going to change your behavior. just to get into debt, but you're not. going to change your behavior in order. to improve your life and actually have. something sustainable for your child's. future. 2 and 1/2 years old, approaching. the age of going into grade school, which is a very quick trip to uh oh, graduating. Hey, are we able to afford. college at all? Oh, no. I have to borrow. everything to do cuz mommy and daddy. didn't sacrifice anything. Which is a. quick way to child being in their. mid30s, 40s. Oh, mommy and daddy have. nothing in retirement cuz they around. their entire life and got car loans. their entire life. So, I got to put my.

life on hold to help them because they. can't keep a roof over that cuz guess. what? Mommy and daddy's mom is no longer. alive being able to actually uh oh, you. know, fund their entire lifestyle. Yeah, that's what's going to happen. Anything. for us? I mean, she subsidizes your. rent, you tit. my brother pays the his half of the rent. and we. they're connected at the end because. without your mother, your brother would. not be there according to you guys. So, but it's like is it subsidized if we're. all like Yes, if we're all like living.

in our own spaces. I mean, it's like. living with roommates. It is basically. and it also is what he is. She's the one. who has our kid right now. Again, I'm. not hyp against that. I'm just saying. it's not going to exist forever and you. guys are doing nothing and you're going. to your kids going to put their life on. hold to take care of you guys when you. don't have enough money for retirement. because they will feel morally obligated. because they are blood related your. child. You'll say what this is what I'm. going to say. This is what I'm going to. say.

I forgot what I was going to say. I. mean, we pay over half of the rent. technically. We don't we give them two. grand. Congratulations. It's the roomate thing. This is what I. was going to say. Would you actually you. two with a child go and get three random. roommates? Of course not. Of course. So, let's not compare this to just a. roommate situation. This is being. subsidized by your tism brother. and your mother. I love my brother. Well, it's not I just don't. subsidize, bro. It's like cuz like I'm.

not like like I'm paying a like a very. solid amount to live in my spot. Like. it's not just subsidiz means. You're not. paying the total amount. For me, just. the house is worth it. I love our house. Basement in Florida. That's rare, man. Feels section 80. We're not section 80, dog. I mean, we we pay more than half. And I mean, we choose to live here. I'm. getting you out of debt so you can go. into debt. That's the big question. I. mean, not nec Well, kind of. Yeah, kind.

of. Cuz I really I want this car. Like, this is not like I car I want a Kia. Carnival. It sounds like something a. clown would drive. Yes. Okay. I want my. Kia Carnival. You know, I will settle. for a different minivan. But if we can. afford a decent Kia, it's massive and. it's cool. To speak like you, it ain't. cheap. No, it's not. No. No. It's I. think even like the used ones, even a. decent used one is still like almost.

30,000, which was close to what our car. was when we got it way back when when we. had way less money. This conversation. will get better when you find out the. car we have and the car that I want. Oh. my. Okay. I don't give a [ __ ] What the. [ __ ] do you want? What are we talking. about today? Cuz I'm actually I'm not. going to enable stupid. Well, okay. I. want to bring down like my credit cards. I want to bring them down. Get to a. place where I have under 30% utilization. and I can It's not even to get them to. zero. It's to get to 30% utilization. [ __ ] credit score. You have horrible.

motivations for the reason to get out of. debt. And you are not going to change. your behavior in the long term. But I. know I'm not going to get it down to. zero cuz I'm still going to end up. spending stuff for like, you know, my. yard. What the are we going to do then? What the [ __ ] are we going to do if. we're not even willing to get it down to. zero in order to sustain the wants we. have? Cuz we care about that more. Listen, we need we're going to get these. cars. I mean, we need we need the we. need the car cuz I'm not driving him to. work every single morning just so I can. like come back and take our kid to.

preschool and, you know, eventually with. soccer practice and his friends and all. that crazy stuff. Like the car we have, which you think works for us, we make. work for us. I want a car that works for. us. So, you guys have a disagreement in the. car heavily. We have a I forget the. year. Hyundai Tucson. Oh, 2020. Okay. 2022. All right. Well, then before we. get into these finances, if this is the. big thing we're going to do, I'll. entertain it. And let's see. Let's go to.

hammer court. Okay. Plaintiff dumb [ __ ]. and plaintiff minority. Who wants to speak their case first? bad driver for clear reasons or bad. It's because she wears glasses or Well, it doesn't help that she was the only. one that's gotten into an accident with. our car. We're pushing the limit on. cancel. Hydroplane. It wasn't my fault.

It wasn't. It wasn't. It wasn't. It was. your case. Plaintiff number. one. One. Okay. I want our minivan. I we. do I do events constantly and we to do. events my car has to be like so pushed. down and we have to you know I end up. buying more things to make it fit into. our car constantly being like every I. have one booked every month for the next. few months. Okay. So yeah. Okay. I have. one booked every every month.

All right. Our car does not fit all that. stuff in it. And then we damage the car. trying to shove these boxes into it. And. you know, I want a car with bigger. space. We we've kind of confirmed even. with our biggest events that we that it. fits though because we make it fit. I. don't want to have to make it fit. I. want a car that fits the stuff. I want a. car that fits the stuff. No. Rebuttal. from defendant. I'm sorry. I'm trying to.

think of the right thing to say. All. right. Defendant's either a [ __ ] or. confused. Tell them why you want what. car you want. Approach the bench. You. saying we make it fit to me has never. made sense. If all the stuff fits inside. of the car. Because we make it fit. I've. bought different like display items just. so it fits into the car. I'm spending. more money. Come stand behind them. I. want a not not necessarily a beater, but.

just like she gets the Tucson, so she. has like something close to like the. minivanish. and then I just take the sedan. Hello. What's going on, brother? Okay, argue. for him. Give him the mic. You've heard his argument. Now plead it. Listen, we don't need the minivan. We. do, though. We don't need a $30,000. minivan. Yes, we do. Yeah, especially. when everything fits perfectly fine. because we make it fit. I have to make. it smaller to make it fit. I want a car.

that fits all the stuff I already have. But it does. No, I buy things to make it. do. Okay. So, with the stuff that you have. purchased, it still works. Barely. And. that's if I have low stock. If I have. more stock, it barely it doesn't fit. Actually, we have to leave stuff behind. or do two trips. I don't want to do that. when I'm traveling an hour to an event. This isn't like an every week thing, though. Yeah, it's not. But it could be. if I had the space for it. On top of all.

this, our car seat doesn't even fit in. our car. We have to push our seats. forward to make the car seat fit. It. don't start with the He's going to turn. around cuz I'm not turning him around. until he maxes out the the the weight. I. swear. Our car seat fits just as fine. No, it. does not. We have to move the seats. forward. The front seats hit the car. seat. Yes. But it is still secure. It is. still perfectly fine. Because we make it. work for us cuz that's what we have. I. didn't want to buy this car when we. bought it. We had to buy it because our.

car literally stopped driving. [Applause]. Look, private student loans can make it. feel like you're one missed payment away. from selling your grandma's heirlooms. I. miss you, Grandma. Wiry says, "Chill. out. No more sacrificing the family. jewels. They don't reduce you to a. credit score number. They just want to. see if you're actually planning on. paying. By the way, they're providing. interest rates under 6%, which is. practically a unicorn in the student. loan jungle. I mean, some lenders want.

to charge you so much, you swear they. were putting your first born on layaway. So, if you're tired of monthly payments. so high that you can't afford a single. sweet treat, why refi's got you. They'll. arrange your repayment plan, ease the. monthly hit, and even let your poor. co-signer off the hook. Mom or dad, they. can finally breathe. Oh, and if you. think you'll just get stuck on a call. center weight list, guess what? 4.6. stars on Google says why Refi actually. picks up and treats you like a real. human, which is a shocker, right? In.

finance, that's something as rare as me. not slamming a desk every episode. What? So, if you're done fantasizing about. robbing a bank, don't do that, by the way. But just check out Y Rei. They're here to help you actually crush. these loans without selling your kidneys. on the black market. Go to. yfy.com/hammer. That's yrefi.com/hammer. Or call 88 yrefi-78. That's 88 yrefi-78. and see how a real personal approach can. help you escape the private loan.

nightmare. Because let's be honest, living with crippling debt till you're. 90 is not the retirement plan you. dreamed of. I have a question for. U-Haul. I have a question for legal. Legal, please. You have to pay for a. U-Haul. Legal. Mhm. Mhm. Uh, is your. client, the defendant, sticking it in to. pop up more babies soon? No, it doesn't. sound like it. So, I don't think that we. need the bigger car. Okay, that was the. big question. That was the big question. Like, I'm saying if we move again for. the eighth time now. We have way more.

stuff to where we're going to need a. U-Haul no matter what. Well, even then, if we have to what? Suddenly pack up cuz. there's a hurricane coming. I will have. order. No. I'm ready to make my. judgment. May the court please stand? No. Do I have to stand up? Quiet now. I will have order in this here. courthouse. Girl, you're going to get. water all over. Quiet now. Being aggressive. Quiet.

Hold me. Hold me. I will do time. This court sides. with the defendant. She's a dumb [ __ ]. Sides with me. No, the defendant. Who do. you think you are? You pointed at me. Listen, I mean, honestly though, it's a. it's a fair thing. I actually I know. we're being a little silly with it, but. it's a fair thing. If we're not planning. on having more kids soon, and if. everything already fits, and if honestly.

you only use it a couple times here and. there, this is a dumb debt to get into. But my ironic reason. when I could just get the one I want cuz. it could be cheaper, it's easier if. there's more cars available available to. choose between. It allows us to get a. better deal, a potentially better rate, a potentially better loan. All I am. saying this is a horrible reason to get. out of debt, right? To force ourselves. to get into more debt for something. we're not. Because if you go and search. just a specific kind in order for.

something that's honestly dumb reasons, you are going to do what is ever. necessary to get it. And that could be a. bad interest rate, a bad term, a bad. loan, a car that's not even good. What. were you going to say? So, you have said this before. like we got to meet in the middle. somewhere cuz you know I love you, you. love me. Always. We're a happy family. Heck yeah. Um, we can like What would. you say?

get a cheaper minivan if that's when we. want to get it in a year and a half. We. still got value in the Tucson if we were. to like trade that in and try to just. get a bigger SUV so we don't get a. full-blown minivan. But you've been. yelling at me about wanting to have a. paid off car and we have But you're. going to go get a car loan then. So you. don't give up. Listen, that's how we've. always done it. We pay something off, we. get something else. And how's that. working living with mom? Listen, that works for us. It works for. us cuz you can't afford anything else.

because of the life you've given. yourself, because of the choices you. have made. Yeah. And now you can't. This. goes back to free childare. Now I don't. think my mom would let us move out cuz. she she wants to stay with my son. We're. kind of anchored down now. She loves my. son. Tax return doesn't count that hit, but we know what your income is. It was. actually lower last month at 5,000 or. $3,598. But either way, it doesn't matter. And. I'm not going to count your income. because guess what? We know that it's. because you put more money in than you. get back. So it doesn't matter how much.

was spent last month. Actually, no, because some of that could be for your. business. So let's add up your income to. it. So we know that total came in was. a lot. We got my whole goal with my. business. and having credit. Quiet. $5,223.90. What went out? cuz we know business. business expenditures are included in. that. So, I included your business. income. So, 5,500 came in. What went. out? Come on, household. We're married.

Wait, the 5,000 was that like does that. also include the tax return spending? That's all taken out, right? I was going. to say, did that include the the. payments you with the tax return? Everything. Well, did it include the the. credit cards that we paid with the tax. return as spending as in going up? As in spending. Okay. Spending, not. making payments, and tax return barely. counts. You got a child tax, right? You. didn't put any effort in. Was that the. month I got my computer? It might be for.

why work? Was it for work or was it for. being I'm a blue collar guy, right? Okay. No, he wanted to build his own. gamer. Different. They're different, bro. He's a PC gamer. I don't I don't. know. That's not my world. He wanted to. build his own computer for years and. finally finally did. That was like 15. Glad we did. I'm I'm glad we saw I'm. glad we saw just a slight a slight ray. of sunshine because our child tax credit. hit and the return came in, but you.

didn't do any effort. You didn't do. anything in life other than stick it in. that actually gave you this money. You. haven't done anything. You're in the. situation where you honestly probably. get more back than you put in because. you're in that income brack situation. I. mean, again, the you're in the bottom uh. 50% of household earnings. in the bottom. 50% of household earnings essentially. contribute 1% to the overall income tax. situation in the United States and net. bottom 50%. So you don't really. contribute much and you got this big.

check back and that's fine. And I'm not. arguing, I'm not saying that's bad, but. I'm saying you got a little ray of. sunshine for something you did not do. And instead of actually trying to clean. up your situation, which it sounds like. we took a little step towards using. something that you know wasn't behavior. change, so I'm not going to give you. credit for it. But you went and got a. gaming PC2 instead of putting it. That. is behavior. That is behavior. Getting. the income, getting the tax return, that. wasn't behavior. Choosing a part of your. tax return to go get gaming PCs instead. of paying because of the tax return. All. the tax went straight to cards. That was.

all cards. I immediately put money back. on which is the same thing. It's. different. That's the No, it's not. You. [ __ ]. Should I draw Can I draw this out for. them? I'm just saying I haven't I. haven't made no big I haven't made no. big What? I ain't make no big big money. moves like that in like a solid Listen, you and I didn't live in that long. years. You did nothing to do it. You. have a kid. That's it. It's the only. reason I'm my own man. You know why it's.

there? I'm my own man. It's to help fund. the kid. You used it for [ __ ] Goon. station. Hey man, I don't like slander. I don't I don't appreciate that. I don't. give a That's a slur. Okay. Okay. Right. So, here's the thing. Here's the thing. You're saying tax. didn'ting We had maxed out credit cards. Here was the tax return you got. You. said tax. Shut the [ __ ] up. I'm making. an example. Shut up. Okay, shut up. What.

the [ __ ] Well, actually, like, shut. up. I'm making an example, goon. Well, actually, we never said, "Well, actually, here's your credit cards. Maxed out or. not, doesn't matter." Okay, let's say. there's It's like a three, four, whatever. Mhm. Here's your taxes. Okay, you're right. You didn't use the tax. money to pay off the credit card. Instead, that went to over here and that. deleted this much. Woo! Yay! Hey, now. our credit cards are only halfway and. the tax money is going out. But if you.

then because you now have room on here, spend it up for gaming PC. You did use. the tax money, which is [ __ ] in the. federal budget to help with you having a. kid, as in I pay more taxes to help you. Fun fact, I just bought you a gaming PC. This is a fun one. I get to get you free. money and then I get to get myself free. money. It's a pure win-win for both of. us. What do you have to do? Sign up for. a SoFi high yield savings account and. get a welcome bonus of $300. Sign up for.

Acorns using my link and get $20 instead. of the usual $5. Finally, sign up for. Silo and earn up to $5,000 in cash back. on your own stocks. These offers have. been negotiated to give us both more. money than using traditional signup. methods. So, use the links in the. resources section of the description. below and get yourself $5,320. right now. Come on. That's what you used. it for for a selfish reason. For.

something that's actually meant for. actually supporting you, for supporting. the child. That's what it's meant for. Well, like I there been selfish and like. a solid good. You're a dad. You don't. get to be. And if you go work more and. bring in extra money, pay off debt, give. your son a sense of any kind of. security. Son, yes, son. any kind of. sense of security and future. financially, then you're allowed to be. selfish. But you stuck it in. Now you. actually have to pay the [ __ ] bills. and be a man. Uh-oh. Consequences of. actions. Who would have thought?

I mean, the reason I've I've said that. like I I'm not my goal isn't to bring it. down to zero is cuz like my whole my. whole business venture I want it to be, you know, where it I quoted I did the. profit negative money a year. It didn't. It was $2,400 a year. Probably. Uh like. I want to if I use my card, I want to. just you know do an event and pay that. off cuz this is more of a hobby to me. than a business. Well, thank you. Let's. use that word that instead of business. and here's the reality. You're putting.

your hobby over your child because that. extra money and that extra time that. you're spending on that could be picking. up a part-time job that is going to make. more money that you could be working at. home that you could be doing a call. center job, customer service or. whatever, answering emails, answering. phones. I don't give a by trading. Let. me talk for a second. My goodness. I'm. just saying that time could be spent. doing something more productive that. would bring in more money, that would be. able to pay off that quicker, that would. get an emergency fund quicker, that. would be getting in our own place. quicker, that'd be getting a child fund. quicker, that would be getting money for. their future, gymnastics or sports or. whatever the [ __ ] they want to do. And. it's man, if they want to join band,

choir lessons, I don't give a pencil for. school, all that good stuff. That's what. it could be going towards. Instead, you. want to put all your time into a hobby, not a business, let's be honest. Because. you are choosing your selfish desires. over what is actually important of being. a mother. And a mother isn't just there. Wiping the diaper, taking out the. diaper, wiping the butt, potty training, congratulations, drowning the child in. the toilet, whatever a mother does. It's. more than that. It is also a financial. aspect cuz you're a parent, too. Well, that's the plan that next year once he's. in school, I want to go back into my.

like dog grooming and actually start. supplementing income to the house. I. just am not doing that until he's in. preschool. Cuz I agree. But instead of. focusing the time and energy going. Wrong. That's knitting. I don't knit. I. crochet. Okay. It's the same joke to me. Yeah. Not to me. Congratulations. You're. a mother. Crochet only has one hook. Knitting has two needles. That's the. difference. Okay. So, it's a less. productive version. Got it. Incorrect. So, the thing is that time could be.

bringing in more money to actually put. your child up for success. That is the That is the reality. And. you're putting your own selfish desires. and what you want to do over it. And. honestly, you're enabling her because. you're not willing to stand up. You. don't like living with your. mother-in-law. I could I could tell. And. you pretty much admitted it. And you're. not willing to stand up for yourself. You're kind of a [ __ ] Am I right? You're a little bit of a [ __ ]. I want to know what you think your. household financial score is. 0 to 10, zero being the worst, 10 being the best. I'm going to go 3 2 1 go. On go. I want. you guys to say it at the exact same. time. 3 2 1 1 zero. Okay. Well, at least.

we're aligned that you guys are in a. horrible place, but we're also aligned. that we're not willing to do anything to. change and you're not willing to stand. up for yourself and have any kind of. authority in the household. Well, it's. hard to stand up. If you want your. score, see where you are in the world of. finances, go to caleb.com, click the. link in the description below, take the. assessment. It's fun. You'll see where. you are. And also, if you want to be on. the show, go to calehammer.com/apply. We'd be happy to have you down here in. Austin, Texas. Don't forget, if you. don't want to be like a guest on the. show, just download our budgeting app. Take the annual version. I'll send you.

our cookbook that can't be purchased. anywhere else. I'll sign it and I'll. mail it directly to you. It's a good. time. Let's jump into these finances. The fun part. Great. Amazon. Chase. Chase. Amazon. Uh, are we authorized users on these? Is. this one person's card? Just this is me. Just you? Okay. Just a wifey. What's. your insight into any of these that are. just wifeies? um. in so in reality she um like manages the.

finances more. When have you ever had a. backbone in life? You don't have you're not able to get. any kind of insight. You're not willing. to stand up for your living situation. You're not willing to stand up for. paying off the debt and her business and. it not being a productive use of time. You're not willing to stand up to try to. get more hours at your job and go do. things. You're not willing to send. All. you're willing to do is get a uh PC. tower and goon it out all day. That's. all you're willing to do. I know you got. crusty socks, dude. I dude.

$3,426. and 74 cents with a minimum monthly. payment 122. So, you're saying you have. no insight into this cuz she just runs. the finances and you're not involved. Why? Cuz she has it's it's all her. cards. Yeah. The only thing that doesn't go on. the board are your cards cuz I have no. idea what you do with those. So, you're. both equally the problem. You're the. problem financially, but you're the. problem because you're not willing to. stand up and say anything ever and have. any kind of. responsibility or whatever or any kind. of voice. Here's the thing. Um, I don't.

give a about tread dynamics or anything. Anyone can live the life they want to. live. But the fact is, you're a. stay-at-home mother. You're the bread. winner. If we're doing that, you have to. be able to stand up and speak on the. finances. If you're bringing in the. money, you have to be able to say like, "No, we cannot do this. this is what is. coming in. This is the work I'm doing. You have to be able to first of all, regardless of tradition. as equals instead of just her. steamrolling you she's not steamrolling. Come on. I mean, is she is she the one.

that's spending most of the money? Yes. Yeah. Yes. How long does this take. to pay off? You don't buy. How long does. this take to pay off if we do minimum. monthly payments only while interests. without making any purchases? By the way, you purchased, so you're. incapable of. But go ahead. How long. does it take to pay off? It's going to. be like four to five years. Okay. Like. 13. Okay. It's going to be 14 years. So. your kids going to be almost graduating. high school by the time this is paid off. if we don't purchase anything, which uh. yeah, we purchased $430.96.

Why are we purchasing on a card that we. cannot fully pay off that is interest? Huh? That is my go-to card. Why would. you have a go-to card? You're not a. credit card person. You shouldn't have a. go-to card. I don't think I'm not a. credit card person. You have a credit. card with a balance that is acrewing. interest. What statement is that? I have. a lot more credit cards that are. completely matter. If you have one. credit card that acrus interest, you're. not a credit card person. That is the. rule. Well, I didn't make it. I think. I'm pretty good at paying off my cards. I'm just Except this has a balance of. literally $3,426.74.

and purchasing $430.96 takes 14 years to. pay off and $8829 of interest screwed on. it. What the [ __ ] are you talking about? I I mean we you are so delusional. Anytime I make money, it goes towards. paying off the balances. But you didn't. pay it off and you purchased it. Pay it. off. I don't make that much. And you're. not a credit card person. Listen, what. happened with this card? I was keeping. it where I was paying it off every time. I had a new stock and I got it. You are. making me more wealthy because you're a.

[ __ ] and thinking about because you. think you're a credit card person even. though you're objectively not because. your behavior is insane and your logic. is ridiculous. I just I don't know. You. are giving them money. Worse. I just. It doesn't matter. Done pretty well, you. know. Well, wait. You live with your. mother and you have credit card debt. You spend more than you make. Not by. choice. You got to live. You couldn't. live on your own in Palm Beach. You only. did because the church subsidized your. rent. And that was that wasn't that was. not you have $30,000 of really bad debt.

and some of it is to your mother. I just. saw. So, [ __ ] off. You are not doing. well. That is a ridiculous statement. You're doing No, you're not. You are not. doing well. I can't have you. No, no, no. I know we're making lots of jokes. and you know, we're friendly and I like. you guys in general, but the reality is. you are not doing well and I cannot let. you think you're doing well cuz if you. think you're doing well, you are not. going to have any effort or desire or. that real push and incentive to really. get to a better spot. Because if we're.

doing well, why do we need to actually. do anything? You're not. You're doing. shitty and it's going to impact your. [ __ ] kid. How old's your mom? How old. is my mom? 67 almost. Yeah. She's not. going to be around forever. Very late in. life kid. Huh? I was a very late in life. kid for her. Yeah. Yeah. Youngest. You. could have used a bit more attention. Absolutely. I agree. The fact is you're. not doing well. Not even wrong. No, you're not. You're not doing well.

I mean, it's not that I not that I. disagree with someone. I just. think I have the capability of doing. well, you know? I think I think I'm. glad. So, why aren't we? Because we're. just not there yet. That doesn't make. sense. How do we get there? A tax. return. I'm out of the tax return. I. want to get my job. I want to go back, you know. I just I Yeah, I want to. I'm. not in it because I don't have the child. care available for that cuz my mom still. works by choice and you know well maybe.

she shouldn't if we're doing she wants. to retire in a few years. If we're doing. collective household maybe she should. step up by doing that and allow you to. bring in more money and that's how we're. doing it. If we're doing full eastern. version of household on their side of. things they're like it's mostly just on. my brother-in-law her brother. So she's. like she just has her like essentially. like another side business but it's. actually a business. Well, no, that's. her career. Yeah, that's she went to. school, did the whole thing. Now she's. she has no debt. She only works when she. wants to. She has her clientele. I hope. so. She's almost 70. Yeah, she works.

when she she's a strong woman. She's. almost 70. I would be going crazy if she. was asked as you. But you will be there. You can continue down this. What did you even spend on? Mhm. I mean, I don't know. Um, of course, I have. Well, I have like I have Well, yes, it's. mostly yarn and stuff for my in interest. loss this year so far on one card. That's not surprising. $4001 that could. be going towards the future compounding. in the overall market.

Yeah. I don't know how savings account. into a school savings account into. anything. I mean like there are times where like I. will bring down the credit card, you. know, pretty heavily and then suddenly. it's like all back up and I suddenly. Yeah. So you need to close the cards. then cuz you have no ability. You can. have the Fizz card. I will allow that. You guys know the Fizz card. Everyone. knows the Fizz card. It just allows you. to spend what's in your checking. account. So, it's like a debit card, but. you can't you can't do on a regular. credit card. You can't manage that worth. anything. Okay. And also, that is.

something I could do to help you with. your career. If you want a course career. certification, I can help that as well. Yeah. And I'll put you guys also through. therapy. Heck yeah. So, mind, we need. some of that. Yeah. Yes, we can use it. So, I'm going I'm going to give you. those three resources. Okay. I'm going. to give you the three resources. We just. buy a lot of stuff. Me, I buy a lot of. stuff. What's next? The spending. It's. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Etsy. Patreon.

Etsy. Etsy will be Patreon to who? That. one's probably Crochet by Jenna. Okay. Well, that's [ __ ] because I. guarantee you they do not put out better. and more high quality and more frequent. content than our membership. You don't. Well, you don't put out crochet. patterns. I get free patterns. Well, why. would I do that? I want to entertain. people. Yeah. And I I want crochet. patterns. Canva, Amazon, Etsy. What is. Canva? Oh, I use that for like my like. Instagram posts and when I have market.

pull up your Amazon. Is that a 26.49%. interest rate? I didn't get the Wi-Fi. So why? Cuz I wasn't I don't know. I. didn't see it. So it might load. I will say this is. like the bulk the bulk of the bulk of it. is yeah and you're okay with that and. you just allow it. You don't speak up. I. mean why don't you speak up? It doesn't. help when she says hey I bought this but. at the other time yeah but you speak up. about what we can do in the future. It's. not about necessarily the past. It's.

yeah we correct. We look at the past to. learn from it but we don't beat. ourselves up over it but we do address. the future. And you're not. Why not. address the future guy? It's hard. Why out of mind out of sight, people? The future is not. What did she. do if you bring it up? You've seen it. You've been here. You've had it. A small. taste. It That's kind of how it goes. every single time a conversation. I'm. like really good at like rationalizing. what I purchase. That's that's my thing.

is if I I have a note that he told. Lindsay the producer that you just cry. when you get into big arguments. So. yeah, I would probably. get frustrated I start tearing up and it. sounds like overly frustrated happens. every conversation and that would be. hard to get into because even though. crying is a real emotion, it can also. definitely on the other side feel a bit. manipulative and it gets very difficult. buying something. The biggest the. biggest problem is when she sets her. mind to it. It's like literally punching. a brick wall and like speaking to a.

brick wall. Are you going like I I like I have tried. every route that I could to try to get. you to like dationalize buying something. and then it just doesn't work. If I ask. you like, "Hey, can I buy this?" If I go. ahead and ask you ahead of time, you say. no, I won't buy it. Folks, the American. dream is under attack and hardworking. patriots like you are being crushed. under mountains of debt. And why? Because creditors love debt. They want.

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That is pds.com/hammer. pds debt.com/hammer. Let's get back to. the episode. Which is true. I was going. a while without buying cuz I want to. redecorate our room so bad. And I was. going I had all this stuff in my I had. like $400 of stuff in my Amazon cart, but I would not buy it until you gave me. the okay. And then you went ahead and. bought like half of it without me. knowing, which thank you. That was a. gift. It was very kind. It was. But I. get it. You know, I'm like, you know, 5. 6 months into the girlfriend situation.

I like to I like to gift them. I like to. gift. I like to gift. All right. So, I. got your Amazon. So, yeah. There will be. things for like our kid. Uh because. occasionally I'll just be like, "Man, I. want my kid to have this, so I'll just. buy it.". It doesn't happen all the time. Plant. fertilizer. Incredibly important to. survive. Got some batteries. We got uh. earth bath mat. Incredible for survival. Neem oil. Incredible for survival. Window privacy film. Incredible for. survival. Cat.

dude has to be locked in for his he has. to get his frames. Yeah, dude. Floor. washable runner rug. Incredible. Needed. for survival. Same with flower. I think. we're in the [ __ ] flower game. apparently. Leaf shower curtain. Incredible for survival. We definitely. had nothing. I don't give a How about. you repay your debt off instead? Uh. [ __ ] iPhone case. Probably didn't. have one. Floor iPhone case. Probably. didn't have one. Screen protector. Screen protectors. Gaming keyboard. [ __ ]. you. Here we got new. He has his RBG. sick game. That was my gift for him for. our anniversary. Both of your money. I.

don't give a anniversary. Hey, happy. anniversary. Let's pay off that so we. can give our child a future. I don't. give a [ __ ] 96 piece 25 mm 3D glitter. safety eyes for crochet. Oh, what a joke about the eyes though. Baby. blanket flossing lilac lounge yarn. gaming microphone. We got a real big. gamer here. Um, keyaps. Well, he wants to be a streamer. The. only thing I bought was those key caps,

but we got more blanket ladder. This is. all [ __ ] The [ __ ] deodorant is. the first thing where I'm like, "Yeah, you should probably have it cuz you. probably get all stingy." Put that on. there just so I could get same day. shipping. Yeah, you put it on there just. because it wasn't the first bull thing. if we're being completely honest. More. crocheting bull. Doug, my first daily. magnetic calendar. That's for a kid. Don't care. Yeah. Like I don't know. I'm. I really want to redecorate right now. I. don't care. Well, I mean what we moved,

six times, I think. Back and forth. Back. and forth. Back and forth. All we were doing is getting rid of all. of our stuff. We're finally saying. going, "Oh." Oh, I don't care. I hear. you, but I care. But I don't hear you. because I don't give a [ __ ] It makes me. happy. You already had decorations. You. wanted to redecorate. I didn't The word. you said was redecorate. I don't give a. decorating. It's not redecorating. It is. just decorating. It'll happen. How much is in your. retirement? Absolutely. How much is in. your retirement? I got $300. [ __ ] you.

both. I don't give a [ __ ] about. decoration. You have nothing. You're. losing your best decade of life for. compound growth. You're about to lose. your second best decade on this path. It's all [ __ ] And that's all. through just last month. Look at this. [ __ ] mini trampoline. [ __ ] them kids. Oh, he loves it. He's on it constantly. You don't say that to him. He needs a. trampoline. He needs something to jump. on, dog. Oh, yeah. He's a jumper. He's. beds. Yeah. Now he's fallen off the bed. So good. He'll learn. Yeah, he has.

learned several times. Think so. But you. know, trampoline he lives. The. trampoline's in the basement, so he. doesn't have a bed to jump on in the. basement. Shut the [ __ ] up. No, I don't. care. I'm sorry. It's so pointless. I. use that swing. None of this matters. Getting out of debt, having a fully. funed emergency fund, having retirement, having school funds, that's what. matters. And you don't care because you. guys are selfish. And put even your joy. of seeing him have a gift over actually. providing for the household, which you. need to. What a joke. 26.49. 49%.

interest rate. What a joke. Who's the. Capital One quicksilver? Both of us have. one. So, uh, okay. So, that's a balance. of $1,46. That's mine. That's you. Yeah, that one was our He's delayed by 3. seconds. Uh, that one was probably our. vacation stuff. Like, I went to go visit. my dad last Christmas. Where? Uh, Oklahoma. Yeah. Yeah. That's where we moved back. and forth from. We moved from Oklahoma. to Florida to Oklahoma to Florida. We we. did a whole lot of that. Um which is.

part of the debt was moving back and. forth from Florida to Oklahoma. Spending. and you over Yes. No, there is a lot of. spending. Some of these cars were just. like moving though. Like this one. This. one is like the Airbnbs and I think for. our. So this is all just travel. This takes. 10 years to pay off. So yeah, it's. mostly travel that one I think. Um Oh my. gosh. I have a note that you guys said. they spend a lot on well you guys spend. a lot on food up until recently because. you don't like cooking. Of course that.

recently is everyone changes their. behavior one to two weeks before coming. on the show. You doesn't count but you. don't like cooking. You're a mother. Listen, you got to give the kid. nutritious food. Even if we're going to. be fat, at least give your kids. something cuz they don't get a choice on. their food. That's the perk of living. with my mom. She cooks all his meals cuz. she he just then you have you are a. child that you are then going and. spending money on food. That's like her. thing like she wants she cooks with him. Yeah, we eat out. I'm sick. You are. children. You are children and you can.

you can if you can afford it. You simply. cannot. I got a weird thing with food. If if it doesn't sounding I know if it. doesn't sound appealing I just straight. up won't eat and he won't allow that. So. he just goes out and gets something. Okay. cuz you're a child and you can't. stand up and be like, "Yo, I'd rather. sit down eat than starvation starve.". She will eat. No, that's valid. That's. me. I'm the only one. I know. My thing. with food is awful and I hate it, but. like I What is your thing? Explain it. So, I like I don't know. I I hate. eating. Um I like I hate I hate I.

physically hate eating. Um Okay. Well, clearly not. I'm sorry, but leave me. alone. I've lost 60 lbs. Well, I'm only. allowed to say that just like uh but I'm. allowed to be fattest. Thank you for. allowing me. Like, but I I I hate like eating. I hate. thinking about food. I hate preparing. food. I listen. I I like good food. I. like to eat when it's good. But like. Well, what we define as that as you. know. No, I hate eating breakfast. Bagels every morning, which apparently. you do every morning as good. That's. him. Okay. What's your thing? No. Like I.

if I don't want it, I will not eat. Like. I will I'll just skip. What do you want? I don't know. It's in the moment. It's. literally in the moment. Like I'm like. enable this. You have to go to [ __ ]. therapy and you got to start coping and. you got to figure this out cuz this is. not a lifelong thing that is going to. cuz it's clearly not healthy. No, it's. not great. Uh I mean it's not. financially, it's not physically. It is. not good. I said like for breakfast I. will just make like a protein I'll drink. a protein shake at most. I will just. drink something. I don't want good. That's fine.

I will I will 100% food out every single. morning. Most of the most of the food. stuff breakfast and lunch me out at. work. That's it. I eat most of my meals. at home. Unless like we're eating dinner. together, then we'll get food out. But. you eat out way more than I eat. Anything Einstein Bros or Publix is. probably me. Yeah. Einstein Bros and. Publix. And all the Publix, if it's. under 50 bucks, it's him just getting. lunch for the day. Under 50? Yeah. If it's under 50 bucks,

then it's it's him. Are we? I don't. know. Cuz most of your things are like. 20 and less. They're like 20 and less. $20 lunch daily. It's like breakfast. and lunch. That's insane. $10 per meal. We can get that done. I can get you to. $300 a person in our cookbook. I've told. him several times if he tells me what he. wants for lunch, I'll prep it for him. and put it in a lunch box. But you both. have children. You fully enable because. again, you tell him that, but you don't. push back against it. I mean, no. Cuz I. also don't want to make him lunch. You. guys are going to enable each other into. a [ __ ] homeless situation until.

losing everything when mommy's no longer. there. What's brother is brother going. to be with you forever when mom's not. probably. Yeah, we room with him really. well. So we would probably just stay in. the house that we're in as long as. possible. Like Well, he probably just. looks at his computer all day, right? Yes, he does. He is. Well, I mean, yeah, that's easy to room with. Yeah, and. you're turning into that. He is a. solitary guy. Yep. It's kind of. hilarious. Yeah, he's great. Um, okay. Well, the quicksilver $48 minimum. payment, $34.32 of interest is acrewing.

29.24% interest rate. Sounds about. right. It's insane. Yeah, it sounds. about [ __ ] And we're still choosing. to do it cuz we could be paying this. off, but we're going to pulpit every day. and getting $20 lunch. [ __ ]. [ __ ] [ __ ] [ __ ] I could. get I could literally following our meal. plan. I mean, several months ago it was. worse because we used to get breakfast. every like morning of the weekend as. well. Like breakfast, lunch, and dinner. every weekend. Every meal down. 33 cents on average. Yeah. Um through.

meal prepping. I mean, also on that. card, I think it was paid down. It was. paid off completely that card. This is. why you're not a credit card person. You're proving it. Oh, she says I know. And then and like it was it was. completely paid off and then somehow in. your pocket you paid you paid for. Walmart Plus. like the app open. We. never would have done that and we called. tried to get it taken off and it was. just like well no. So we did use Walmart. Plus for a very long time to get like. groceries and we were eating out a lot. less when we had Walmart Plus but that. gave me permission to put more on the.

card once there was a balance on the. card. I know you don't understand. things. The way you look at the word. world is crazy. Yeah, that sounds about. right actually. Um. I've been told that several times that. that one was on and what's your take on. you? Um if people if people are. confronting you on that on a consistent. basis why you can do nothing to try that. often you say you hear that from people. you've heard that okay then why haven't. you done anything if I hear multiple. things from independent sources that. means uhoh well I mean depends on like.

if you just see the world differently I. don't know I hear that from people. that's it that's all I'm saying like I. see the world weird everybody does yeah. but you can see it rationally you can. see it in a way that's beneficial to. your child it's not that I don't see it. that way I just I think I'm a bit more. lax on it of just. I'm allowed to do something that I. shouldn't do. Allowed by what metric? Free will. Yeah. Your free will work.

Your free will though. You have. dependence. I do. You're acting the same age as your kid. No. Your mentality is there. Our kid screams anytime anything. frustrates him. I'm not you wear. children librarian classes. So I mean we. have [ __ ] you know we're we're all on. different levels. Nah, there's a like I. don't know. I want to bring this [ __ ]. down. I want to bring it down to zero. I. would like to bring it down to zero. Would like to but you care about getting. below 30% so we can get a car. Well, no.

My thing is I want to bring it down to. zero and I want more than you want to. spend money. But I and I do want the. car, but it's like, you know, I want the. car so I'm able to do, you know, more. things with my son. And a minivan. doesn't enable more things with your. son. Well, a second car enables that. I. just don't want to get a car that you. don't need a $40,000 car. And I don't. care. It's a tool. It's a tool. It is. But I've already got a tool. I want now. a car as a luxury. No, you What? What. luxury? You don't work. He doesn't bring.

in enough money. I want to work so I can. pay for the car that I want. At no point will I ever, you know, get a. car that we like can't afford on a. monthly basis. You already are because. you're spending more than you bring in. And the only reason you're able to put. any kind of money towards that is. because you got a child tax credit. You. do have no idea what you're talking. about. Well, like all the money that I. made also went towards all like the You. have no idea what you're talking about. I'm sorry. You don't Man, we left. Florida to get out of the rain. The debt. was at 0 a year ago, they said. So. clearly we're just It was a bit It was.

over a year ago at this point. It was. like two years. Obviously. I mean we're going in the wrong. direction. That one and uh I think one other was. also at zero like two years ago. Uh cuz. we Why do you care about your luxury of. a car instead of your child's life and. his life and your mother's life and your. brother's life? I would like that to be. part of it. No, you are clearly desiring. the luxury car and the selfish desire to. be behind a wheel of whatever you want. over them. And I cuz to me it doesn't.

make sense to get a car that you know we. make work for our family. I know. And I. want the tool to work better. Like I. want one that works for me. Listen, if. we have if there's a hurricane coming, I. have to pack what I can get. I would. like the bigger car. That's Guys, a. minivan is what gets us away from the. bigger car. I would like to be able to. fit my whole family into one car if. that's necessary, you know, with my mom. and my brother. Like I want something big. It doesn't. make sense to me. escaping. Technically, everyone could fit in a sedan. Not in my.

like not in our car. Not especially not. with the giant car seat that we have. I. can't fit my mom in my brother. Yeah, we. can have a temporary we can have a other. kind of car seat for emergencies. Listen, if we're if we're only going to. use that I'm I'm not even advocating. that, but if you're going to use that as. the excuse obviously, you know, okay, your quicks you spent. you you put your minimum payment towards. it, which is now $28 higher. Why is. that? Because because you purchased. $320.30, the balance is now $799.32.

I think that one's mine. Six years of. minimum monthly payments. This is all you. I don't know what you. do with your cards. Literally all you. know what I do. And if it is anything on. that card, it's just getting the food. It's food. It's just the food, dude. I. don't know. Did you put computer parts. on on this card? computer parts cuz he. put some computer parts I don't even. have. I have an AMD Radeon.

77. He went Radeon. Do people really go. Radon? 7700 XT. Uh I don't like Nvidia. I don't like the idea of them in. general. So I went AMD. The idea of. them? Yeah, bro. Like the 5090 came out. That. thing looks garbage. Absolutely rude. Six years to pay this. one off. My computer is very nice, by the way, with that. And your son uses it to play. Sesame Street. Heck yeah, dude. That's a.

ref. Uh, I just beat the DLC for Elden. Ring and Night Rain just came out. Okay, those are great. Wendy's. getting lunch and breakfast. Dunkin. Donuts. Caribbean Fire. Caribbean Fire. Ramen Lab Eatery. Taco Bell. Lunch and. Breakfast. Chipotle. McDonald's. Papa. John's. McDonald's. Carlin's Handcraft. Dunkin Donuts. Wendy's. Lunch and. dinner. Or lunch and breakfast. Breakfast is lunch. Einstein's Bros. lunch and dinner. It's all you [ __ ].

It's all [ __ ] you bull. That is our. biggest thing. Yeah. Is the food. Why. did you open this card? Um, so the only. other card I only have two. Um, my. discover card is the other one has way. higher balance and all the other stuff. I just thought in case of like an. emergency, I guess. Yeah, except. except this is what you told the. producers. Your phone. You guys can't. follow instructions. It says put it on. do not disturb and silent before we.

film. Mine is always on silent. I did. not realize it was bad behavior, bad. finances. Who would have thought they. would be combined? Also, I don't remember hearing that. either, but yeah, you told the producers. silence that you likely felt that she. pressured you to open this. I mean, we changed our tune now that. we're on camera. No, I just don't. remember when we said that. He said it. You said it. He admits that he probably I mean, it's. like felt pressure to open this card at.

the time. It's kind of like a side thing. where it's just like she has directly. she has a lot more than I do and I just. felt like I wasn't. adulting correctly if I only had one. discover card. She's adulting correctly. She's a disaster. He uh fed off my bad. behavior. That was it. Cuz I mean we've. been together since we were what 16 and. 17. So all right predators. Sorry. Yeah. Dude. Dude, she was 18 and. I was like I was 17 when we started. dating. When she turned 18 I was 16. I'm.

sending Twitter after you. Listen. Well, I mean, his mom wanted to get a. restraining order on me at that point in. our relationship. That was very fun. We're. great. Love you, Mom. Um, yeah, but we So, yeah, I started I had really. bad habits. So, like, right, like I. said, we've been in together since high. school. Like right out of high school, I. had two cards. Thought like I should. probably have another card. Yeah. And. essentially, just in case. And then um I.

try to use like nonredit card stuff. first, but when I get to like a certain. point in my in my checking account where. I'm at like 50 [ __ ] this is. necessity, right? But like like I. understand it if we are spending. everything on necessities on a debit. card and then all of a sudden there's no. more money. Okay, we use the credit card. for an emergency cuz we are never. disciplined. We don't have a fully fun. emergency fund. Got it. That's the. consequences. Then we do everything in. our willpower to pay off the credit. cards. Okay, cool. None of this is that. This is the complete opposite. I mean. the rationalization ran out of money so.

you spend on your credit card bull. I. mean the rationalization is that that's. what we eat and we don't buy groceries, you know. And during during this time we. literally like rarely ever went to the. grocery store because we kind of caught. ourselves in the fact that a lot of the. food was going to waste anyways. Yeah, we were buying groceries and going out. to eat pretty much every day. So we. stopped buying groceries. Obviously it's. always better to just buy groceries and. stick to that and yada yada. Obviously, at a certain point, then we don't do the. obvious then. I mean, at a certain point. it was at a certain point it was like I.

get paid I get paid every week. So, and. like immediately out of my paycheck. budget monthly, right? Immediately out. of my paycheck though, like everything. comes out. So, it's like everything gets. paid and then it's like whatever is left. over is basically what we got for that. week. Here's the thing. A lot of it goes. to food. Obviously, we don't know how to. budget. Use our budgeting app. You get the. premium version for free forever. Automatic connections, use the community. features. It's pretty good. We're. implementing even uh very soon uh AI bot.

version of me that you can talk to and. it based on your budget. It will give. you what I would say you need that use. it with the app. These are the resources. I'm giving you for very clear reasons. cuz it has worked. It has worked for. literally I think like close to 50,000. people. It has worked. Do it. Then when. you're ready, you can take the investing. one. When you're ready, you can do the. real estate one, but you have to at. least take the budgeting and you have to. at least take the debt classes and use. the budgeting app. Okay? If you come.

back on the follow channel, I don't see. that you guys have used it. I'm going to. freak the out. Fair enough. I did. download uh I did download it at one. point, but it wasn't working. It would. not let me connect your accounts at all. Yeah. It was like an issue a couple. months ago. It was a Plaid issue. We. switched to a new service where now if. Plaid doesn't work, there's a fallback. So, no one should have account. connection issues anymore. Gotcha. It. was an annoying little thing. I fig they. were saying like in the community it was. like, "Hey, we're like working with the. patches." And I was like, "Okay, well, no, we fixed it. I'll come back when it.

works." Building something from scratch. is always a little messy at first, but I. will say though, it's just like. obviously that looks bad, right? Like we. all know it's good. We all know it's not. good. But like I was saying before, it's like. what if I'm buying groceries and we. recognize the fact that it's just going. to waste and I'm buying nonsense. Is it. really Don't make it go to waste, you. [ __ ] Is it really better though? Yes. When you don't make it go to waste, are. you what? What are you? I mean, like I'm.

I'm telling you exactly how it goes. We. don't What's your ethnicity? We're not. doing it on purpose. Oh, I'm a Puerto. Rican Dominican. [Music]. What do you got to say about that? What. would they think? What would they think. if all your food was going to waste? What would they think? Well, my mom, she. never really taught me anything about. taught, but all your food goes to waste. and you throw it away. What would they. think? Your ancestors. I mean, well, I have no idea about my. Dominican roots. Yeah, we don't know much about your.

Dominican side. My Dominican side is. long gone. I was going to try to make an. example. Listen, a lot of people have. food insecurities all around the world, and you're allowing your food to go to. waste. It's kind of disgusting. Okay. Yeah. Makes it better. I'm half. Brazilian and then German on the other. side. Over the past year and a half, my. team and I have worked with experts to. create the literal best four financial. education programs on the entire. internet. And even with a full month for. a money back guarantee, we have the. lowest refund rate in the entire.

industry by far. So, I'll teach you how. to budget no matter where you are in. life. how you should be investing based. on your investing profile and how to get. into real estate for the very first time. or grow a massive rental property empire. like I have in my own life. And I can. also teach you how to get out of bad. debt, but also utilize good debt to your. advantage. And each of these is. available individually in the education. section in the description below. But at. the top of that section, you can also. bundle all four of them together for 15%.

off. So join the over 10,000 people who. have gone through my educational. programs and have changed their lives. And to learn more, just go to. calebmer.com or just click those links. in the description below. All right, Discover it. Yeah, Discover was my very. first card when. I got it. That means we should [ __ ] her. life with it. When I first got it, like. my mom was the one like paying for the. minimum. I was like 18. I didn't even. have a job. You've been enabled your. entire life. $5,17.93. And now she's helping take care of your.

rent. Well, your brother cuz they're. attached to the hip. I consider them one. person. 21 years to pay this off. Your. kid will be in their mid20s. Yeah, that one's fun. Yeah. And you. can't do anything but purchase way more. than you put towards it. Minimum monthly. payment is $123. Purchases is $525 on a. credit card that cannot be paid off. That takes 21 years to pay off. That is. $102.26. in interest a month. Sounds weird. What the is going on here? That one actually for a long time had no. spending on it for like several years. I.

had no spending on it cuz I had like a. balance less than like $1,000. And I. think we started spending on it again. when we were moving from Yeah. back from. Oklahoma to Florida for this like final. time we started and I put like the. U-Haul on it and like moving. Okay. Sorry. Keep going. Well, I mean, no, we although we did move in together. very quickly like in that regard. Okay. Uh but we uh purchase internet now. Yeah. But we are Yeah. No, like I said. earlier, it gave me permission to use. the card again. Like am I twisted? Well,

I don't know. Like when it's at zero and. I'm like doing good, it's like I I keep. that flow, you know, object and emotion. stays in motion. So I keep that flow. If. I I get screwed up now, I start using it. cuz now that's the card I pull out of my. wallet. Newton's first money spending. law. Yep. Um you know, so that one just is the one I I use now, especially since they give me a credit. increase. Luckily, it's still not maxed out the. goal. Oh, dear God, no. You have the.

mic. Yeah, but it's to like talk to. friends. I was going to say you're kind. of funny. Hey, thanks. Maybe you could. have done it. I to be fair, I'm trying. to do more with my like crochet social. media. Okay. Yes, cuz we're talking. about you right now. Listen, I want to. be involved. She's the She's the one. that's try all about her. She's She's. going to have a try to have like an. online Etsy shop. I'm just trying to. enjoy my life, man. Yeah, the online. stuff. Let the man have a moment. No. sake. No. You don't speak up in this.

relationship. Who would have thought? You're quiet. That's the thing. He's. always been I'm always the one that. talks like Yeah, this this goes back to. like childhood trauma type stuff. So, how quiet is he and the nightly peg? Uh, you're not very loud, but we also have. my room my mom like next door to us. So, true. You got to be quiet on here. Yeah. I got no choice. Okay. See what we purchased on. Ali's Bargain Outlet. Youarn. No. No.

Yarn. Yarn. Yarn. Yarn. Joanne closed. So, I. had it was cheap. Joanne closing was our. downfall for a solid couple months. Good. Honestly, good. It's like taking. the drug away from you. You should have. just accepted the withdrawal cuz you had. to go get it while it was in your life. This is a disaster. No. You cheap. There's nothing there's nothing. considered cheap here. You're [ __ ]. your life. You're acrewing interest. You. are paying fees. You are paying fees. I. mean the only stuff you every piece of. yarn you get, you are essentially paying. fees probably with your interest. That's.

how we can mathematically make this. work. Although not every time. Sometimes. I use debit when I buy my yarn. Every. time you buy yarn on here. Yeah. Every. time I buy moronic, this makes no sense. You are a mother. You would be a big fan. of going into the basement. I do. I have. a big yarn wall. Okay. Yeah, I have a really big big wall of. yarn.

Okay. Surround myself with happy. Okay. Gosh, it's a 29.24% interest. All my interests. actually went down recently, funny. enough. Oh, 24.24. Yeah, they all like. went down by 1%. I don't know when or. why, but. interested this year and this card. alone, $400. I mean, we're easily over. $1,000 in interest acured on all these. cards combined. $1,000 taken away from. you guys making about 40. Like, come on. That's horrendous. We can't do that. We.

need that money. We need that money. You. have a couple hundred in retirement. [ __ ] me. What a joke. Okay. Who's Oh, who's that? What the There's another discover. This. is yours. That was mine. Oh, you're both. absolutely ridiculous. That's what I. say. That's my That was my first big. card. My first big card. Well, you. started as an authorized user on my card. before you turned 18. I'm going to. murder $5,584.70.

Minimum monthly payment of $118. These. are stacking. 19 years to pay this one. off. Gooding luck to everyone. $103 to. purchases. balance went up even though. we put a you put a little more than your. minimum monthly payment on it, but the. balance went up because you purchased. and then $9789. $9789 interest hit then you purchase. $103. What the are we doing? Are we doing what are you even. purchasing? Do you know it's usually the.

side food stuff. So, like I was saying, every week when I get to that that low. point of the of the actual money and. this episode is my low point. One second. Cramp. Yeah. You need to drink more water. All right. Just That's just coffee, man. You need. water. You need to drink more water. Hydration. Threw my water at you cuz she. was being annoying. You did throw your. water at me. That hurt.

Yeah, WPB, Vono, Pizza and Pasta, Microsoft. Ultimate, and Taco Bell. Shout out. Bonos. Microsoft Ultimate. Yeah, his. little game pad subscription. Oh, yeah. I got to We need to cancel. Pull out. your phone. Yours are mine. Both. Okay. Okay. What you want? Give it. Open it and give it. I got it. I got. you.

stuff. Whatever. She has premium Patreon Apple one. Yep. Okay. The Apple one's like the whole. family thing. So my mom's on it just um. your little cousin is on it. Like it's. music. So it's Apple Music. I know what. Apple one is. Yeah. Well, we switched it. cuz we were doing we were paying for. music and like arcade. Um, and at that. point that was like $25 a month and we.

were just like, "Oh, we could. essentially have Apple TV for free at. that point if we're paying for these. two." So, we just we entertainment. might be might be better than than the. Caleb Elite. might be better than Caleb Elite, you. and it's not. We just want to watch Ted. Lasso. That's the only reason I wanted. Apple TV. No, I'm really excited. At the. end of this month, we're like launching. all these new shows. is going to go. [ __ ] crazy. Nice. We're the second. largest on the entire platform for a.

reason, ladies and gentlemen. I do pay. for the the post shows. Well, yeah, that. one's fine. It's not the good tier, but. it's a good entrance. Yeah, cuz I I have. you on on the background pretty much all. day. Oh, then you're better up there to elite. cuz literally three shows a day, Monday. through Friday, every single day. dedicated to shows. I watched an episode with my mom who. wasn't super happy about us coming here. Why? Well, because she um like helped us.

start our credit journey. She wasn't. happy about you coming here? No, not at. all. Tell me. No, cuz she um she didn't. like that we were putting ourselves. online and portraying ourselves as. stupid. She's very very image. of her outward image. So, yeah. So, she. didn't like that we were putting. ourselves online. She also likes, you. know, anonymity and. keeping our lives private, which is. valid. I've always been like that, too. This I just kind of was like, Mhm. This. sounds like fun. It is so far. Yeah, I.

like getting yelled at. I think it's. funny. It's fun. And uh it's it's. interesting. I always see videos out. there where it's like Caleb's mean to. his guest and they made the bad. thumbnails and stuff like you guys. didn't go through the whole process and. watch the episodes before and go through. this. It's that classic meme where it's. like I consent, you consent, and then. someone out there is like, "But who did. you did you forget to ask me?" It's. like, "What the. Jesus?" That's who it's got to be. It's. got to be Jesus. Yeah. Unlock it. I had. to connect you to the internet. I need. to look at your subscriptions. I ain't. got none. I was going to say you should.

I'm confirming. Apple one you're attached to already. with the family thing. Most. subscriptions. Okay. Yeah, he had Apple. Arcade, but that's it. I was going to. say we Yeah, that's why we switched. over. Okay. Instead of paying for Well, he definitely has [ __ ] Microsoft. Ultimate and he goes to food every. second of his life and he has insane. credit card balances. Okay, Capital One. What's this? Uh, probably mine. That's probably my Well, no, cuz you we. did your We got. $8430.

minimum monthly pay. Everything else is Okay. Well, no. purchases, but of course interesting. $26.23, 8 years to pay off at the rate you're. going. That one and the Quicksilver. would have had no purchases or does have. no I don't I don't remember. Um those. ones have been sitting for a long time. Um no, no, you guys just paid off your. phones and then you went in and got. brand new. No, we s did not pay off our. phones. We traded them in. So we paid. off the like or paid something. We paid.

something. So, we paid like 400 bucks. and then like got a $1,000 uh thing for. this one. But you're on a payment plan. Yeah, but we don't pay. Yeah, but it's. who does? My dad. Father. We're going to. start contributing though. We were I. mean last time no independence. You're. still children. Last time I told my dad. I'm like and now I'm going to send you. stuff every month. And he's just like. had a child. Oh yeah, for sure. And you. accept it. Great. 22. Must be so proud. Our kids must be so proud. That was. Nordstrom. You have a [ __ ] Nordstrom.

card? Yeah, I rarely use it though. Um, my aunt was visiting from Brazil. She. wanted to go shopping and I had to buy a. dress for a wedding. Okay, looks like. this one's paid off every month. Yes, I. paid that off as soon as I'm not going. to add that. But you did still purchase. $132.58. That could have gone towards something. else. It was a dress and shoes for a. wedding. You did not have dress or. shoes? Not for this wedding. I It was a black tie event. I only have. sundresses. I also don't have that many. dresses. I'm biased, but I can actually.

attest to that. Yeah. I'm biased, but I. can actually attest to that. Yeah. I. don't have I don't have very many. dresses. I'm not a dressy person. So, okay. And my mom offered to pay that for. and I was like, she didn't need to. So, she usually does. You've been enabled. your entire life. So, I'm not surprised. Well, when she takes, you know, me. shopping, she's like, it's my treat. That's why I'm like taking you shopping. I Okay. Yeah. You owe your mom 2500. bucks for what? That specifically, um, it's like 2 grand. 25 something. I don't. know. 2500 specific. Um, but for what? She uh took a balance off one of my.

cards. Oh my gosh. And then we got It. paid off. It's still at zero. Yeah, but. look what you're doing on the other. cards. You haven't changed your. behavior. You're spending more than you. make and you have nothing to show for. it. But that one specifically was Yeah, but your mom bailed you out. You guys. are [ __ ] enabled. You guys are. getting balance transfer card. My mom. loves a balance transfer card. That's. how she like did all of her things. always. Like they will never make. progress in life because you're just. enabled by each other and by dad and by. mom. association though, huh? What? Yeah, cuz.

your mom cuz your mom Oh, well no, it is. my my brother got a card. It was And my. mom was like, "Do you have a balance to. transfer and she took my highest?" How. is your mom involved in your guys's. finances though? She always has been. always willing to go on. You need to. separate just financially. You guys need. to have some kind of independence or. you'll never learn anything ever. like a. year or two ago like when we moved in. and yet you still owe us so that makes. it even worse. She never asked for it. how much how much she wants. She says. pay something else. Does she have to ask. for it? No, she doesn't. I tell her that.

would give her the responsible daughter. and mother. I would love to give her. money and she's like no put it on. something else. She doesn't want to be. paid and that is another form of. enablement. And guess what? And then you. put it towards something else and then. you rack your debt up again. So it. matters nothing. You need to pay her. off. You need to pay off all the other. debt. need to be responsible do daughter. and mother and you need to stand the up. and put down some rule. have some opinions. I mean this is. probably what's the therapies for at. this point dog cuz like this goes back.

this this goes back far. Oh yeah. So. it's like it's a little harder on my. side to like stand up. Yeah. It was to. my mom specifically to both of you. combined. Yeah, that's fair. It makes it. harder when it's combined. Yeah. I mean, why? Because now I'm arguing with a. strong Brazilian woman. Because both of. us will bounce off each other. If my mom. agrees with me, we we tag team. That's. why we can't be living with mom. I don't. see that. She's not involved in a.

relationship. You cannot live with mom. if she gets involved in these. conversations. It is not aing. sustainable relationship household. She. wants to retire in 3 years and move to. Portugal anyways. So, you know, right. now cuz like it's she like, you know, it's not like this is how we live life. that she enjoys. We don't plan on. staying like this forever. Obviously, I. don't want to be like this forever. I'm. okay with living right now and you can't. have conversations because she's there. and you're going to live like this. forever. You've gotten comfortable 2 and.

a half years in, you guys have done. nothing to change it. That's a lie. I. mean, keep telling yourself that. Good. luck. But you have an 84month term on a. car and you want a second car. Good. The. luck that car. Yeah. What is this car? So that's that's our 2020 Hyundai. Tucson. Um we got it in 2020 in October. of 2020. Um our CRV our CRV broke down. We had a fun story with our CV um mile. And I probably don't want to hear it. Well, I mean I totaled my car. Uh I. Well, I hydroplaned and I hit a highway.

median at like 3:00 in the morning in. the middle of nowhere and um Oklahoma. Yeah. So my my uncle offered to buy like. just a beatup car cuz we were on a road. trip from Florida to Oklahoma and he. offered to buy us a beat up car to get. back. Okay, listen. Listen, we have a. car loan. I'm sorry. We do. It I don't. care. So close to finishing. I get beat. up. I never I never let women finish. I. Well, you know what? That sounds like a. skill issue. So this car This car was a. piece of crap for like several years. Oh.

my gosh. I don't care. I'm sorry. I'm so. sorry. You have this You have this, babe. He never left the woman finish. Watch this. We had a beater. It broke. down. We got rid of it. We had to get a. car. That is interesting. We walked into. a We walked into a dealership. We needed. to get something to get back home. We. got for hours. Uh we got a really good. deal. I will say that like we got No, we. we argued our like you're ruining it. No, that's the point. Um and so we then. we had a car and now we didn't have to.

worry about a car that couldn't break. down or die on us. We can go where the. hell we wanted. It's a good score. I'd. listen again. Yeah, we gave the car back. to my I'll leave you a good review. You. know, five stars. Five stars. Hell yeah. Okay. You owe $10,7946. with a $369. minimum payment. You do have an equity. position of maybe 2 to 3,000. I'm going. to say 2,000. Probably a little less. Last time I checked it was like worth. 14. We're getting about 13. Yeah, 13.

We're getting 13. I don't know. Uh well, there's a little Yeah, it's cosmetic. that probably brings it. You probably. about break any of it. Something like. that. And that's private. It's not even. trade in. Okay. That's privacy. I don't. know what Listen, what's the interest. rate on this thing? Like 4.05. Okay. That's not horrible. But what is. horrible is the 84month term cuz that. means that's going to acrew for so long. Yeah, cuz you're Well, no. Especially at. the time we had barely gotten jobs. It. was like mid pandemic like And how's the.

car? How's she doing other than the. contract? Fantastic. She's great. 40,000. miles on it. She's great. What the [ __ ]. is this? What am I seeing? I don't know. You guys sent the. screenshot. I didn't send I never sent. any Yes, you guys did, didn't they? I. didn't send any screenshots. I don't. know what I sent only statements. March. 2025. Balance $3,10. What's this? Oh, are those my uh are those my loans? My student loans? Cuz I see the rating and the scheduled. payment. So, probably. Okay. Yeah, those.

I Yeah. Oh, for sake. Four different. papers. What? Yeah, cuz they're just. individ. Well, I had Yeah. Subsidized. unsubsidized for two different schools. So, gross. Yes. One of those was a. massive Well, both of them were massive. mistakes. I will give them. I I'll give. it that. Um So, was this marriage. anyway? Uh no, I went to I'm moving in. with mother-in-law. That was Yeah, I. went to So, okay. Yeah. What was your schooling situation? So, I went to college right out of high. school. Uh there was my What was your.

major, babe? I was a graphic I went for. graphic design. Something like that. Um. graphic design can be okay. Yeah, I went. for graphic design. There's jobs in. that. I I was expecting something a lot. more. And then I was major was going to. shift my major to like early childhood. education. I was going to do like. elementary school teaching, but it's. okay. Just But I'm not good with. schooling. I'm really not. But I had to. essentially go to college to live in the. dorms. Okay. Why did you not have a. payment? Uh I was like on the save plan. or something, so it was like a $0. payment. Yeah, but that's like Oh, your.

payments should I think your payments. are going to start in a couple months. It uh I just when I just looked No, I. just had to look cuz I had to find the. balance for you guys recently. Um they. looked like it said it was due like. October of 2026. 26. Yeah. So, it's like the end of year. Okay. Well, I'm not going to put a. payment right now, but it's probably I. will start paying them when they want a. minimum pay. It's probably going to be. about 100 bucks a month. They said Yeah, it was like 74 for one, like 25 for the. other, something like that. It showed. like regular payments. So that's all. your debt,

correct? Yeah. No more debt. No. Okay. Checking account $24. Savings $260. Uh well, in this one, this checking. account's not much. It's just moving. money back and forth. Nothing crazy. That is it. That's mine. That No, that's. mine. Yeah. If that's So, we're. separate. Well, we have our separates. and then we have a joint. Okay. Amazon, Apple Bill, Shipo, shipping product for apple.com. sales Joanne before she died. Apple bill.

rip. Yeah, rip Joanne. You needed it. though. RIP thankfully. Agreed. I love Jo. He'sing getting a voice. He hated going to Joan. You hated going. to Joanne. I would drag you every. weekend. That was my only outing. I. don't leave the house otherwise. And you. know, if we go out, I go where I want. So we I would go to Joanne or Michael's. I prefer Joanne, though. Yeah. Lock. yourself inside and cook yourself meals.

cuz you need to eat at home. I do. mostly. I eat my breakfast and lunch at. home every day. Dinner. That's up to him. if he goes out and eats or No, you need. to step up and be a man. Sometimes we'll. get like we'll eat frozen meals like. that's about it. I do not like 454. Well, total 331 in this checking. account. Uh, it says [ __ ] ramen, zill. money, Dunkin Donuts, Grand China, Kid. to Kid, Chipotle, Taco Bell, You. Connect, You Connect, Zelen, Money Out. That's probably me. Zel, no. Zel Money.

Out Einstein Bros. US Connect. Uh. McDonald's, Beer King, Lucky Chew. Coconut Chocolate, Philly's House. I. don't need to have a little thing for. everything. It's okay. Meats barbecue, Benner's Farmresh, Dunkin Donuts, Apple, Einstein. I'm going to keep going. Einstein Bros. Zel and Money Out Taco. Bell. Einstein Bros. uh Apex Vending. Machine. Einstein's Bros. Steam Purchase.

has to buy his games for his game if you. see Taco Bell. Einstein Bros. Vano. pizzas. Apex Vending Store West Grand China. Chinese selling money out Chipotle. hindsight broside bros taco don basking. rockets. vending machine vending machine two. plant bakery selling money out steam. game says [ __ ] bull you don't have. retirement you don't have an emergency. fund your kid has nothing okay you're. [ __ ] this all over this is a this is. sad I'm glad we're able to goof and joke.

around this episode but this is. disgusting actions of selfish parents. and I'm going to call it as I see it. I'm not going to be nice about it. The. only thing the only thing I will say is. the zel payments if $500 that's brand. that comes out Apple Apple Shippo Apple. Joanne Apple in another account and then. transferring money back and forth. Nothing to show for it in our entire. lives. It's disgusting. This is disgusting.

selfish behavior. You're prioritizing. yourselves over your child. Buddy can't even escape his own. mom-in-law. That's probably why he's. always going out and trying to get food. Get away from her. This is me being. literally out at work. Yeah, you're gone. all week. I got to eat food to take care. of. Dude wants to take off extra shifts. to get away from her. Dude, listen. No. matter how loving he is and how nice he. is and how much he can't speak up for. himself, there's not a guy in this world. that wants to live with his. mother-in-law. No. And I wouldn't. We. couldn't live with your mom. Ironically.

enough though, it's mostly because of. the issues between them two that I think. we should move out. Yeah. I mean, it's. hard to live with. $3,883. is what comes in on a monthly basis. $3,883 is what comes in on a monthly. basis. Let's get your minimum monthly. payments. Oh, that does not include a. new car cuz we're not going to be morons. and I'm making them. Well, not anytime. soon. Shut the up. Not anytime. We'll. see where we're at in a year and a half. Uh, we'll come on the followup show and. prove it. But right now, your minimum.

payments are $835.19. I will drive here. Uh, 1,600. Mhm. Your your Yeah. Yeah. So, we send two grand, but 1,600 is our. rent. 200 is our car insurance cuz it's. on her credit card for some reason. I. don't under car insurance. 200. Okay. And then we send her an extra 200 for. like utilities. Grocery. 200 for. utilities. Okay. And groceries. We don't. You're going to be eating more home. You're going to be eating more home. So, I'm giving you extra money for. groceries. Okay. No. No. That's just.

whatever I contribute to like my my mom. I whatever she spends it on. So, she. buys her groceries with it. I'm saying. you are I'm contributing more money from. you guys to groceries because you're not. going out to eat anymore. Does that make. sense? Yes. If we had a sake, you can. probably do 600 bucks to groceries. TP. fund because there's a kid. 250 bucks. for anything else that's necessary. Phone bill. Uh, dad, right? Dad, but you. can do Helium when you're on your own. If T-Mobile's good in your area, same. coverage, but like 15 bucks a month.

Last time we had T-Mobile, it was trash. Okay, maybe T-Mobile's not good in your. area, but Okay. Medical, healthcare, any. co-pays, a monthly basis, things like. that, medications, whatnot? No. Gym? No, we have a home gym in our basement. No, but I want one. Nope. You're not at a. place. Not yet. Not yet. But yet doesn't. matter. You are not. I'm I'm waiting. Anything else that needs to be in your. budget that is not in your budget? Yarn. Nope. You got to budget my yarn, man. I. got to do it. Well, let's see what we. have. I was going to say, let's see what.

we get. Well, remember this is Okay. No, I'm sorry. No. Okay. Listen, this is. with your parents covering a lot of your. and you still. need $3,685. to survive on a monthly basis. After his. little $200 bonuses and you're making no. profits, you only have an extra $197.81. I will only allow you to spend on yarn. which you make from your business, but. you do not get to spend a dollar more. That was always the plan. Okay, that's. the plan. But that's what you're. following. Listen, you have a lot of You. only have an extra You only have an.

extra $19781 left on a monthly basis. You're never going to get out of debt. with that. It's as easy as that. You. have $30,000 of debt. Uh does it help if. I get a yearly bonus as well? How much? Uh so it increases every year. How much? Last one was 1,500. 15. It helps a. little. Uh, but right now it's a 12-year. process, which I would rather go through. bankruptcy and clear a lot of this [ __ ]. except for the student loans, which. won't be dismissed via bankruptcy. Um, because that would be quicker. Obviously, I still wouldn't recommend it. cuz you need to change your behavior for.

at least 6 months before I allow you to. do bankruptcy, or else you'll be right. back here in the same situation again. But. yeah, that helps. I'm sure that brings. this down to. maybe like 6 years, but even still, it's. not great. The reality is the moment the. kid can go into public kind of education. of any kind, put them in it and you go. get your ass a job, bring an extra two. bring in an extra just $2,000 a month in. net. And with that with that, let's just.

say $2,000 total is left over. $30,000. 2,000. we can pay off our debt and that's where. yeah a year full payoff debt and having. a six month emergency fund two years. That's incredible. So that is our goal. that but you have to the the entire. thing is you have to change your. behavior to get there. This isn't just. about getting another job. You get. another job. Your behavior is you spend. more money. So you need to follow a. budget. Go through all of our. educational programs. Use the budgeting. app. Follow the budget here. Come on the. follow-up channel. And we'll keep doing.

this process until we get you there. But. that is what you have to do. I'll. calculate your Hammer financial score. But first guys, join us for the post. show here in a second. Make sure you. join Hammerly in the description below. Best YouTube membership on the platform. the platform that has told us that. themselves. It's the second largest on. the entire platform as well for a. reason. So join that. Come watch the. post show. Lots of extra shows, thousands of hours of extra content. Hammer financial score for you guys. Spending a budget, you overspent. So. zero out of 10. Debt, there's no. collections or anything. It's not the.

worst that it's really bad for your. income. I mean, it is bad debt, but it's. not like like the crazy. It's just bad. for your income. Two out of 10. Emergency fund, there was like a couple. hundred bucks sitting in a couple. different accounts. I'll give you a one. out of 10. retirement. You just started, but you're dramatically buying. One out. of 10 for the household real estate. 0. out of 10. Hammer financial score. It is. going to be rounded up to a one out of. 10. You can't go to Brazil. I got to go. Your grandmother now. She is almost.

dead. Well, she's actively dying. You. know what's cheaper than a flight to. Brazil? Not going to Brazil? A Ouija. board. [Music]. exclusive members content.