Moron Blames Girlfriend For Their Failures | Financial Audit

Oh, here we go. Getting some OF. Did you. know he's using OF? No. Dude's paying to jerk like every 5. minutes. But there is the age gap, so I'm a lot. more active than she is. Hi, I'm John, 25 years old. I'm Marissa, 37 years old, based out of Austin, Texas. And this is. Financial Audit. First couple on here in a long time. Nice. Uh so thanks. Uh but just out of the. gate, what's going on, guys? So for me at least, um. I've really been trying to get our. finances in order. Uh it's pretty.

frustrating uh just because. uh I do have to keep track of both of. our finances and stuff like that, you. know, our bank accounts, our debts that. we have to pay, and our. uh her car note, which really um. I'm getting sick of that, to be honest, you know, having to, you know, back pay. and all that. So um you know, especially. with the the age gap, you know, I feel. like I'm 25 years old, she should be uh. at a better place than, you know, where. she's at. gap. How did this happen? How? Uh we.

were coworkers. It was work. It was. work. coworkers. And that's how it started. No one was a boss, right? No, no, no boss. No. No. Not at all. Interesting. How long have you guys been. together now? That'd have been funny. Uh we've been. almost 4 years now. So we're saying from. if I just want to make sure I understood. this correctly, you feel like her finances are holding. you guys back as a couple. Uh yeah, yeah. What about financial. choices and uh as a couple, where are. we? Mm.

Um I feel like we we just. there's sometimes where we make bad. decisions and I make bad decisions, but. I always seem to call us out of that. I. always seem to get us out of the hole. and you know, pull money out from. somewhere I don't have it or you know, sometimes I make stupid decisions and I. to. Yeah, but like overall, like, you know, where where do we. stable. Yeah, I think I'm a lot more responsible, to. be honest. Um. Well, what the You've been doing the. adult thing for like forever now.

Forever. Sorry. I just couldn't do quick math, so I said. forever. No, I'm used to he says the. same thing. I get it all the time, so. I'm so old. I get it all the time. Okay, but like you've been doing this. for a while. Why is. Well, we'll go through the finances and. we'll actually make a determination, but. why is he the big boy of the. relationship? Um Yeah. I. Mm, why? Why is he the adult? Yeah, he. makes better decisions than I do.

Why? He. has gone He tries to go higher and pay. from the time we've been together. He's. gone up and up and up, and I haven't. I've gone down. Down, why? Yeah, I've gone down. Uh. making irrational decisions and I left. my job, and then I had to get another. one that was a lower pay. So that didn't help out. Yeah, that kind of, you know, blindsided. me, too. We had been talking about it, you know, she had some issues with her. boss, but she called me one day and.

she's like, "Hey, do you mind if I, you. know, you know, quit my job? Getting. tired of my boss." And I was like, "Well, not I mean you have to find. another job first, but, you know, I. don't mind, you know, toxic environment, you know, that whatever, but uh she. said, "You know, I already did, you. know." And I'm like, "Well, then why are. you calling me asking me if you, you. know, you already. financial decisions as a couple right. now? Yeah, no. Uh not really. No. What are we trying to do? What's our. goal? What's our future? What are we. trying to do as a partnership? Are we. trying to get married? Is this a. long-term thing? Where are we going with. this? Yes. Absolutely, you know,

We want the house. We want to get. better. We want credit are better our. credit to be better. Um. Okay, well, you both have things in. collection. Right, for sure. Yes. How are you the responsible one, by. the way? Uh I just feel like I just make. more money. And. Okay, but what we choose to do with our. money is what comes out of your. responsibility. but but Make a million bucks a year and. you can be the most irresponsible guy in. the face of the. Right, but you also got to look at. everything as a whole, you know, I'm. making a lot more money, but I also have. to spend more money helping us out or. helping us with bills and past due.

bills. I've been getting my stuff on. track. We just moved into a house that, you know, our rent isn't that much, and. I've been paying my stuff off, but it's. so much and it's so bad. Plus I had some. things happen in the past like with. college and stuff like that. So. What's your current income? I make about. 55 to 60,000 a year, depending on. overtime and bonuses and stuff like. that. What about you? I probably 30. 30,000, yeah. Okay. Now, I have to go off this on an. individual you guys are not married. Your guys' finances are not combined,

except for one car. We're on a card together, it looks like. One credit card. One. Yeah, one credit card. Uh I did that just so I thought I was. more than capable of paying the bills, but you know, stuff happened and. you know, we split off. one? I don't know. I'm trying to be. I really. try to be, but you know, there's also a. lot of stuff in our relationship that's. separate from the finances that we, you. know, we've been rocking on. You know, we've taken a break a few times and. Really? How many times in 4 years? Twice. Yeah, twice. Yeah. So it's a.

little So does opening a credit card. together Well, we did that. I did that before we decided to split. off. It's always I mean When was the. most recent split? And last year. 2021. No, last year. When I moved over here to. Big gap. Oh, yes, he's correct. That's when it. was. That other one was 2021. His. statement of saying he has to take care. of your finances and you're a mess and. dig you guys out of the like straits of. death,

is that correct? We've let him talk. We've let him give his piece. Is it. correct? Yeah, he has done it before. I think he exaggerates about it. That's where I think he exaggerates. about it. He thinks he done he's done it. more than he really has. No. Okay. And. um. I want to say I've done it, too. Like. I've had a. bail him out of Yeah, but I always pay. you back. I always pay you back. I'll. end I pay you back more than what you.

give me because I do feel bad and I do. feel, you know, Yeah. be. I should have my together. I'm going to, so I mean, I am. No, are you? Yes, I. want to with everything in me. Pay him. back. It's just I can't yet. Why? Because I'm not making enough. Now, you chose that to a certain extent. What is your job right now? I cook. I'm. a cook at a nursing home. Okay. What is. your job? I'm a maintenance technician, assistant maintenance. What was the job you all met at? Uh I.

was working at a nursing home. I was I. was doing valet uh right before COVID, and then I got laid off from all that. So I had to I was laid off for 6 months. I was getting that, you know, that nice stimulus check and. all that. You know, that's why I got my. car and all that. But as soon as I they. cut that off, I needed to get a job and. I went to go uh work at the nursing. home, and that's how we met. All right. I'm going to give you a 3-2-1. go. On go, give me the household. financial score. So I'm going to say. 3-2-1 go, and you guys are going to say.

the one out of or zero out of 10 score. together at the same time and see where. your heads are aligned on this. What do you mean by household financial? Financial score. So like how good are we. are on our finances. Well, I'm sorry. Let me add some. context. So are you the one that watches. the show and you're not? Yeah, I'm the one I'm the one that. watches the show. Have you seen the. show? I've seen a couple. Oh, okay. So I. give a hammer financial score. free in the link in the descriptions. below. Get yours for free. It's fun. But. I want you zero being absolute worst, 10. being the absolute best you can be. Five.

is kind of like average. I'm going to. give a 3-2-1 go, and you're going to. give me the household score. 3 2 1 6. Six? Six? Yeah. Really? You think you're above average as a. household? I don't think so. Oh, no. I just said five is average. You. think you're average? I think I'm about. average, yeah. As a household? Yeah. I. think we're about average. Then I would say four. be a lot worse. It's important to stay. up-to-date with the latest news, especially if the news may influence. your money. With that in mind, I'm.

excited to introduce you to today's. sponsor, biases and breaking free from the. influence of news algorithms. Their app. and website gathers articles from around. the globe, providing context on. political leanings, reliability, and. ownership. Take this headline on student. loans. Biden administration to forgive. $4.9 billion in student debt for 73,600.

borrowers. Ground News analyzed almost. 200 sources, presenting summaries from. the left, center, and right perspectives. based on ratings from three independent. news monitoring organizations. Left-leaning sources focus on the relief. for borrowers, while some center- and. right-leaning outlets emphasize the. potential cost to taxpayers, nearly $500. billion. It's crucial to see all sides. of a story, especially when it affects. your money. With Ground News, you can. compare headlines, check bias. distribution, and even discover news not.

covered by one side of the political. spectrum. Personally, I follow the. financial page to make sure I stay in. the loop with critical financial news. So go to ground.news/caleb. to try it out. By using my link, you'll. receive a 30% discount on their. unlimited vantage plan, the same plan I. personally use to stay on top of current. events. At less than $1 a month, it's a. teeny tiny investment for huge insights. That's ground.news/caleb. or click the link in the description. below. I would say four. I mean, we make. it. the finances, but first, what's holding.

What's holding us back right now? What. is I have no idea. That's the whole. reason why I. I wanted to come on the show. Like I I. pay all our bills. I pay them on time. I. think it's me not making enough. Yeah, I. can be. the spending when it comes to what we're. making? Again, we can lifestyle inflate. People can make a million dollars and. spend it all. What So but that's what we. think, right? Is you not making enough? So do you. I don't spend a lot. I I don't buy a lot. of stuff. Yeah, but you don't I mean, I I do have. a lot of bills. I have loans. I don't. want to, you know, step on your foot,

but you all the money you do have left. over goes to, you know, uh I don't know if we can talk about. stuff like that. Yeah, of course. Yeah, I mean, you smoke a lot of So, I. mean, I have nothing against it, obviously. a lot I want you to be honest. when you answer this question. Mhm, within a week. Mhm, well, what do I do? $40 once a week? Yeah. Plus the $2, $3, $4 for relos?

Okay, so it was like say $50 a week. Like. or like vape. No. How many grams is that? I don't know. Like about a quarter, yeah. She just goes and I don't. It hasn't been that long. So, that's about So, I don't know on the. You feel pretty dependent on this? Yes, she is. me of stuff. That's Yeah. Okay, there is a certain extent where. yes, recreational, a lot of people can. do it, just like alcohol, but there is a. certain point where people have gotten.

It's the only thing I do. Like we don't go out, we don't do. anything, we. It's all. But why? We don't go out. because we don't have any money to go. out. I'm always having to pay money and. I'm always having to save money for the. next bill that comes in and, you know, when you pay late on your car note. Uh yes, I am, but it's. are you guys happy? We fight a lot, especially for the. finances and stuff like that. Yeah, that's the number one leading. cause for divorce in this country is. finances. Yeah, for sure. Going down the path of. financial. We've had right now, I don't think anyone would recommend.

marriage, and I am not the relationship. expert by any means. Yeah, we're trying to figure it out, to. be honest. specifically. I don't want to be. I don't want it to be 2 v 1, but just. from the language you've used about. yourself. Yeah. Um. do you feel like the anchor of the. relationship holding it back. financially? Yes. Okay. Yes. What have you done to. change that then? The sake of the relationship. I haven't. Do you just work, go home, and then. immediately smoke, and you're just like.

satisfied with your day? Like I mean, I. take care of the house as much as I can. I am working a lot right now. I. do about 25 to 20 hours of overtime in a. week. How many hours total? Oh. She just started. So, she just started. back in January. Um. Honestly, I'm not sure. Uh. say. Probably too too new. 80 And then you're. making a week. You don't work 80 hours a week and make. $30,000. I just started as well. I know. So, we.

might have to take more time. I'm going to start with yours, though. Yeah, for sure. The guy who. uh is the good one of the relationship. I try to be. the best. do try to be. Your dad gave you $1,800. to pay off a payday loan. Yeah, yeah, that was a mistake, but that. was when we had our break and I was. being stupid. that long ago. How are you How are you. the responsible one of the relationship. if we're taking out a payday loan? Well, the The reason why I did A payday. loan is like the worst loan you can get. anywhere besides like a going into like.

a mobster hangout. I also didn't have good credit, so it's. not like I can go to into a bank and get. a loan or somewhere else. you need a loan? And but I wasn't also like I grew up in. a family where they didn't have the. right mindset where, you know, towards. your life. I had to figure it all. the responsible one if just recently you. took out a payday loan, wasn't able to. pay it, and your dad had to bail you. out. Now you owe your dad money. Yeah. How can we label you as the responsible. one? But I try to be. I just I just. Try, it doesn't matter if we're trying. to where I'm like my mindset that I want. to be at. I mean, I was young, I was.

stupid, you know, I used to smoke weed, too. happened not that long ago, according to. you. Yeah, but. you know, I I moved into I was you know, I'm a maintenance technician, so when I. move into when I work at apartments, I. can move into the units, and when we. split off, I moved into that unit, and I. moved into a unit that was way too. expensive for me. Yeah, but I mean, You still owe your dad this money. Yeah, I do. Yes. Why have you made no progress. in a year? Cuz it's hard. I. really don't know. decent money. It's 18 It's $1,800.

$1,800 over the course of a year owed to. your family. He also wants to be paid in. full, his father. Yeah, my dad's a. little. That doesn't make sense, though. He. probably could have got his money back. if. He's a little If if, you know, or I. mean, I love my dad. Dude bailed you out. for you making a stupid decision, so. I don't know, but 150 bucks a month, he. could have had his money back, so he's. he's just being stubborn. I would say. dumb about it. Right. You're both dumb. in different ways with how you're. dealing with this. Let's be Let's be.

real. That's why we're here. but like. but. Well, yeah, that's why everyone comes. on, but I'm going to give you tough. love. Yeah, but that's why. Take it. I I needed the bailout cuz I. needed the money cuz I had a couch and I. had, you know, I had to pay rent and we. were living separate, but I was still. Yeah, I bought a couch, yeah. You don't. take out a payday loan for a couch. Yeah, I know. That's not an excuse. I thought, "Okay, maybe you were literally going to get. get kicked out. You were months and. months behind on rent, and they said, 'We are evicting you.'" No, I mean, I my.

job was pretty lenient with that, so. Yeah, I know. So, there was no need for. the payday loan, but you, the. responsible one of the relationship, took out a payday loan. Yeah, but I wanted a couch, like, you. know, wanted. Yeah, see, this is See, this is why I wanted to do your finances. first. You're also right now Zip Quad. paying. Yeah. Right now. But that The responsible one digging us. out of the hole. of that stuff was like my brakes for my. car, and then. Oh, this. Sorry about that. Yeah, yeah, that's really helping your. car not smash into something, isn't it?

like 30 bucks, though. I don't give a. [ __ ] You're the one digging out of the. hole, and you're the one all of a sudden. going and financing things. Does that. make sense? Does that make sense? How. can we put the blame on her? And don't. get me wrong, your finances We'll get to. it. Congratulations, but you are not. You tried to put yourself on a high and. mighty at the beginning, but you are. not. You are financing both the Home. Depot, and then there's your car parts. You're Quad paying. You are not the. champion of finances. You're both being. dumb mother.

You're both the anchor holding back this. relationship, but we're deflecting blame. on each other, and. Yeah. That is This is not going to work. successfully, financially speaking, Yeah, I mean, the way you guys are. talking about it. Well, for me, like, you know, the. jewelry and all that stuff, you know, I've been paying rent for well, how. long? For like almost 2 and 1/2 years. So, you're 100% taking care of rent. Yeah, like right now, yes. No. Not 100%. Okay, so Tell me, what's real? So, when. we first moved in together, I moved into.

her house. I wasn't, you know, good at. home, whatever, so I decided to move in. with her. We moved in for a few months, then we got an apartment, and we decided. we're going to go half. We're going to. go half on everything, Yes. and it was maybe 2 months in, and she. couldn't afford it anymore. So, for the. rest of the. whole lease, I was paying What was it? Like $1,200 by myself, and I wasn't. making that much back then. Uh I. Yes, he was paying rent for nine, but I. was helping with other stuff we needed. outside of the rent. What? What? Um.

food, um I would. pick up any slack that he had. Slack? Yeah. Whatever he needed. Whatever he needed. If he needed. something done with his car, it was I. would. like we were still essentially splitting. the bills. We just took care of. different parts. Yeah, but like I also. paid her back for all that stuff, too. see it that way. him back for rent. No. No, I have not. Absolutely not. to. No. And he agreed. Like it was more. his idea for us to do that. Is that.

true? Yes, but I did it to. a grudge on that. If this is what we. agreed upon, we can't hold a grudge on. that. I just feel like No. I'm still at the. point where I'm still helping out, and. it's been and it's been Is that where we. are? Yeah, I'm still at the Okay, now. why? Why have we made no progress on. your end, though? That's why I'm. concerned. Do Are we just fully. satisfied? We go to work, we do our. jobs, and we come home, and we blaze up. Like Again, there's nothing wrong with. any recreational.

irresponsible way. Mhm. Uh from what we've talked from the. language we've used and the lifestyle. we're living, it sounds more of a. uh. dependency and just life satisfaction. not out there getting done. If he wasn't there, I would definitely. go get a second job. Would you? He's taking care of you, though. He's taking care of you. financially right now, even though his. finances He's still taking care of the. vast majority of the bills. Why do you. feel no obligation to contribute to the. household? That's what That's what pisses me off.

Sorry, not in any way whatsoever, but. why not step up? If Have we had this. conversation? Yes, we have, multiple times. why have you not stepped up? I have now. Like I think I'm doing that, working as. much as I am. So, what were you making before this. $30,000 a year? Well, I went from 21 pay. to 17. So, whatever the difference is that is. Um When did you go down? Did January was. the down? No, November. is when I left my job. Okay, well, that. Okay, and when did you land a job after.

that? In January. Okay. What happened between those 2 months for. all the bills across the household? I. was looking. I was looking, looking, looking. For what? For jobs. For what kind of. job? Uh. a lot um. Any and every cuz I know you could have. picked. You could have picked up something in. the service industry almost overnight. What what I'm sorry, what city are you. guys based out of again? Austin. Austin. Oh, yeah, you could have gotten. some overnight Mickey D's, 100%. I. applied. drive down the highway without a please. come work for us or we're going to kill.

ourselves from service-based industries. here. Yeah, and then they pay more than. what she's getting paid now, and I'm. like, we drive by them all the time. And. trust me, I'm not saying the job's good. I'm not saying I it's I'm not saying. it's an enjoyable job. I'm not saying. it's a job I want you to make a career. off of, but it's one where. things are. Now all of a sudden, I'm putting the. burden on someone else. I'm going to at. least kick in as much as I can by. working. some job that I don't like. before I get a better job. Um I feel. like that's what it was to be honest. Like she was real comfortable, you know,

being at home for. you know, two, three, four, five weeks. It stressed me. It didn't look like it. to be honest with you. I never told you. it did. I told you many times. No, and taking care of the house as much. as I can. And not having you worry about that. But you don't work. That's what That's what makes me upset. Is that you're not working and I'm. working, you know, 8:00 to 5:00. 8:00 to 6:00 sometimes and I'm working. on call. You know, I work on call all. the time. That's work all the extra. overtime. And I come home and I, you know, I got. to.

wash the dishes and I got to do that. stuff. And it's like like really? Do Do I. really have to? You know, we get in a fight, you know, about that too. You know, for me I'm. real traditional. I like to. you know, pay the bills and come home. and not have to worry about too much. Okay, that's what you like. What do you. like? Cuz it's a two-way street. I would. like that, but Okay, then we're both on. the same page about it. Why is that not. happening then? No, because even if that does happen, he's still going to get on me about. something. He's still going to get on me. So, why.

not just get my job and. Absolutely. I do You know, I'm not going. to lie. bickerer? Yes, I am. Okay. Yeah. I mean, I think that it's valid. ever appreciates that. I think it's valid though. Like I'm not. going to sit here and say that's not. valid. It's absolutely valid. You know, I've been I feel like I've held my end. of the deal up and it's time for the. other side. But if you agree on that's. how it's going to go, then there should. be nothing else to say about it.

Yeah, but you also agreed that you're. going to help me also. So, it's like why. do I have to agree and why do I have to. You know what I mean? Go with me here. We'll start with you. Where is she letting down in this. agreement? In this agreement that I. don't think we're fully aligned on. Where is she letting you down? Money. Money. Okay, well, that's not what you. were just talking about there. But you. But you were going to pay as far as you. paying Oh. Yeah, no, the house. Yeah, I. you know, we have. laundry that's piled up and we got. laundry all over the floor and the you. know, the dogs are a mess and dishes.

need to be washed and It wasn't like. that when I wasn't working. Well, let's let's do you. Where is he letting you down in this. agreement? This specific agreement that. we feel like we've made. Um Where has he. failed. this agreement? I guess. he's just. bossy when it comes to it and he In this. agreement to be. and he and he doesn't agree with it. it won't happen. For like what? Give me. an example. For.

No, or for other stuff too, but yes. Um Well, I'm But I. Let me play. mostly handle that. Now, because I have a kid on that, like. if that's where a big chunk of your. bills are personally going and he. doesn't support that habit because he. sees it not being productive for your. past and future. is it on him to support that habit? No. Oh, and I And I used to be I used to be. an addict. You know, I was homeless for. a little while for Really? was homeless. So, my mom kicked me out.

when I was 20 years old and I was on my. for a year and a half. I would never let. it get to that. Yeah. And. Well, I don't know. Does Is that You. would never let it What does What does. that mean though? I feel like that's. what a lot of people say until it. happens. Listen, this isn't like some hard drug. by any means, but and it is much less. common for people to become addicted to. this substance than many other. But just. like anything that you can fall into. when it comes to. free and a lot of other words that we're. going to be bleeping from this episode. Um.

There. And even like gambling. This is. something that people can really just. fall into and just have like their lives. revolve around. Which you gamble? Okay, well, that's not what I'm talking. about you and smoking. What was your question? My head is everywhere right now. I don't. know. I just wanted to push back on the. you saying I'm never going to let it. become like that because I feel like. that's what everyone says until it. becomes like that. Yeah. I mean, I don't know the future.

Yeah. That's kind of. But I would. I have a supportive family as well. So, I don't think they would let it get. to that as well. It's not how that works. though. It's not how that works. Supportive families do interventions for. people all the time. Doesn't mean. they're successful. I think it's a. little They wouldn't let me be homeless. Okay, so that's what you're saying. Okay, you owe $2,000. What is What What is this? What is this? It's a debt collector. Seeing it. something in collections. The. financially responsible one. Yeah. What is that? I don't even know what.

that is. I try to be. Who actually gives a care about their. finances on a day-to-day basis? Do you? Yes. Why is that not demonstrated in any. way whatsoever? Because that's from. previous stuff to when we were going I. was going through a divorce. Yeah. Yeah, for sure. But I've been trying to. get to where we need to be at the place. that we're at right now. We I feel like. we've gone through our tribulations and. stuff like that and we're trying to. figure stuff out. Yes, we don't agree on.

everything. aligned though. We're not aligned. financially. We're not financially, no, but we've finally gotten over the. romantic side, I guess. We've gotten. over those and now we're finally. But this is still the leading cause of. separation. Right. Yeah. Like you guys could love. each other and that's awesome. But this. is like the biggest stressor in our. culture. Yeah. If you guys do not figure. this out, get on the same page then. Yeah, and that's why we're here. That's. honestly why we're here cuz $2,108. There's no minimum monthly payment. because it's a debt collector. Right.

All right, here's your car, yeah? Yeah, my car. At a 7% interest rate, so. nothing thrilling. Well, I co-signed. with my dad on that one. He helped me. out with that. Oh, great. So, it would. have been higher. It would have been way higher. $324.19. minimum monthly payment. Yeah. What is. the car? Uh it's a 2019 Chrysler 300. My baby. His dream car, but Yeah, my dream car. A. Chrysler 300 is your dream car? Yeah. Those things they're like they're.

It may as well It's It's a. He got it when he was 22. Right? Why? Why is that your dream car? I don't care. I don't care. I do not care. Yeah. What year is it? 19? 2019, yeah. I. got it at 9,000 miles right before. COVID, so it was a steal to be honest. with you. I got it for 20 grand and it's. worth about 18, 19 grand right now. So, in my head. that boy math works. car that he can afford. Basically. $324 minimum monthly payment. Chrysler 300.

300, 300. You know what you said? He. said 200. What's 200? 200 or 300? 300. 324. Oh, no, the Chrysler. Yeah, 300, 300. I. always point it out, so Always. He loves that car. You said something. happened with school cuz we have student. loans. What happened with school? I was. going to college. Um. and. I was kind of like two maybe hour and a. half, two hours away from Austin. And I was doing all right, but I got. into a four-wheeler accident. Um I had.

to have surgery. Oh my gosh. What kind. of surgery? Uh stomach surgery. I have a. big old scar going down my stomach and I. had internal bleeding. I basically fell. into a 7-ft 8-ft hole and I flew out and. Wow. Yeah, it's kind of crazy to be. honest. Yeah. So, I was in the hospital. for a few days and I had to, you know, like a month or two recovery and I was. so far behind I just couldn't catch up. You know, I was also I didn't have a job. then. My parents were supporting me and. uh. you know, I didn't really have friends. out there, so it was kind of, you know, it was kind of difficult to be honest.

Um so, I decided to drop out and it's. been kind of hard, you know, paying that back. So, Well, it's a. $2,539. Yeah. Yeah, I can't I can't pay it back, but. it's just. Like I said, What's your monthly payment. situation on this? Uh I haven't been. paying recently, but I know it's about. $50. But why haven't you been paying? You're the finan. But it's not on a deferment, is it? No, it's not on a deferment. paying it? They'll garnish your wages.

I can pay $50? You can pay $50. When that When that. Biden tried to pay everybody off, you. know, all the ones I put it. I You tried to do a forgiveness and it. was struck down a year ago. But I signed. up for that. half though. And when I signed up for it, I was told. I was going to be paid for, so I had. already said it was going to be paid. for. If you followed it in any way. lightly, you would know that it was. immediately challenged and then it was. getting the can kicked down the road. until the court decided on it. Once the.

court decided on it, they delayed it by. another No, see look, okay, now I. remember. I remember, yeah. I remember. now. When I When it was right after. COVID where I paid it off. I completely. paid it off, but it was a little bit a. while and then I heard about the lawsuit. and that they said they can get my money. back. So, I got my money back and then. the lawsuit went away. Why the. are you not paying $50 a month? I didn't even know that. That's easy to pay. know what that Financially responsible. one and this is like the easiest bill. ever? Yeah.

Yeah. I mean, I could pay it off. I. could pay it off. I really Pay it off! I just. You just what? I don't know. I don't. know to be honest with you. I just I. want to pay it off and I need to pay it. off, but Then pay it off! You're missing. payments! Yeah. Okay, we have a Cash App spending. account here. Is that mine? Yeah, this is all yours right now. Awesome. Spent $3,205. Mhm. What is Amazon rent? Uh I think that was.

I don't remember what that was to be. honest. It might have been like a. subscription or something like that. How. much was it? $33.37. Oh, no, I remember what that was. That. was uh Recently? What Yeah, that was for. your coffee bar or whatever you wanted, all the decorations. Like financing? Is. that what that means by rent? I don't. know what I don't Well, the coffee bar. wasn't $33. No, all the little decorations she. wanted for the coffee bar, yeah. Decorations, I don't give a [ __ ] about. decorations. Get out of Get decorations. when you get out of having a fully. funded emergency fund. Where's your. retirement? I don't know.

Okay, that's terrifying. And you both. should be terrified that the 37-year-old. has $0 in retirement. Where's your. retirement? Uh I just got I just started this job. not too long ago, so I've been saving it. up, yeah. What? Where is it? Uh I don't. have I just. just started this job. up, but there's nothing there. There's. nothing there, no. So, you've given up a. half half first You've given up the. first half of your best decade of. compound growth to be able to retire. You've given up your first and almost. your second best decade. compound growth, meaning you need to. contribute extra on a monthly or annual. basis.

to have a chance of retirement. You don't care about retirement? Yes. think she's too. don't care about retirement, then why. have you not contributed a single cent. to retirement over the years? Tight money. I don't think she's worried. about it cuz like I said like she said. and her family's pretty well off and. they do support her so much. Well off how? I wouldn't say so much. Give me some context. They're all. They're all really stable. They all. What's well off? Um. What do you would say.

my aunt does? Uh I don't know. She don't She owns She. owned a house She just sold a house She. just bought a new house doesn't have a. work care in the world about it. She's. Okay, so maybe she's like set up for her. own retirement. What does How does that. mean you're going to be okay for your. retirement? How does that mean you're. going to be set? Maybe she just has. enough to get her through retirement. Doesn't mean she has something to pass. down. And would you be the one that it. would get passed down to? Um probably not. Then why the [ __ ] does. this matter in any way whatsoever? know. She They built her out. They built.

her out a lot, especially whenever we're. um. like But not my aunt. past you, but your mom and then your. grandmother. She doesn't agree with my. life, so she doesn't. What does that mean? She says I need to get a better job. I. need to pay more like I need to know. I'm too old for this. You are. She's not wrong. Or whoever said that. Who said that? my aunt. She's not wrong. didn't teach me any My mom My mom's. worse than I am. Let me Let me give you.

a little congratulations on that. Welcome to pretty much every household. in America. Personal financial education is almost. nothing. I came from a household where they knew. nothing about money. They've gotten. better since I graduated high school and. I'm very happy to see that. Okay. was growing up, there was nothing. There. was no lesson. In fact, one of the. lessons I had is I wanted a piano, they. said open up a credit card when I was. like 18. Yeah, see. So, that is not an excuse. You are two decades since 18, essentially. That's two decades on you to be an.

adult, go to the library, use Google, figure something out, and you haven't. So, do not blame that on them. Okay. I have Yeah. I have. too old done anything as far as that. What's a Cash App loan repayment? I. can't see what it's going to. Uh I I I. just borrowed money uh $100. But it's. only five bucks paying it back, so I. always have money. possibly How are you possibly How are. you. even close to possibly the financially.

responsible one if you are borrowing. from Cash App and paying a 5% interest. on it every single time? It's only five. bucks, THOUGH. 5% INTEREST, YES. I DON'T. see $5 as that much, to be honest with. you. You don't care if it's 5% interest. It doesn't matter either way. That's. what you're going to get putting it into. like treasuries or something. So, it's. just like you're just giving them free. money cuz you're borrowing $100. What is. $100 anyway? Someone making $50,000 a. year, $100 should not be a make or. break. WHY ARE YOU BORROWING $100 every.

second? Cuz I do feel like. uh I have to support her and it's like. So, it's an immediate deflection onto. her. Yes, I do Yes, absolutely. Actually, I do feel like. you think? I think it's crap because he. makes decisions. um messed up decisions without me like. that don't involve me that aren't paying. for me. That sounds like an immediate deflection. to me. That sounds like an immediate. excuse. I'm making poor financial decisions.

because of her? I mean, if you want to see it that way, that I don't agree with that. That's exactly what you said. I got to pay like I got to buy the. groceries. I've been buying groceries by. myself for about 3 months now. buying Chick-fil-A and you're borrowing. got getting going to the gas station. getting some bull University Market. You're going to the University Market. every day. It's at my job. Every day. At your job. I don't give a [ __ ] Pack a [ __ ]. drink. You're going there every day. You. borrowing $100. You If you're borrowing $100, we're not.

going to the University Market every. day. University Market, University. Market, Apple subscriptions, Cinemark. Theatres. I love the movie. We don't go. there if we have to borrow $100. literally just to survive. Amazon. Digital Services, probably can't afford. that. Netflix is nothing on there. anyway, certainly can't afford that. Vivid Seats, $214, certainly can't even come close to. taking your ticket out. Little micro loans. Going and getting a drink. Going and. getting a drink. Party City. Uh going in and getting a drink or. taquitos or whatever the [ __ ] gas.

station it is. at Dallas. It was lunch. You got to take lunch. Yeah, I know. I. get lazy about that, to be honest. He just wants to take it. Take it. Yeah. I mean, but like. I I grew up that way and I grew up. eating sandwiches. Congratulations. She couldn't use that. excuse, neither can you. Yeah, I'm not. going to lie. She gets on She gets on me about it with. all the leftovers and we have to throw. away, so Yeah. Yeah. And she's correct. on that. Yeah, for sure. But it's just so much easier. Yeah,

nope. Nope. It's easier. That's the point. It's. easier. It's more expensive. That's how. they get you. You can't do it. You're. borrowing $100 every second of your. life. You have things going into. collections and your dad had to bail you. out like a child. Amazon Prime, eight of vending machine. when we have to borrow $100. McDonald's. Concessions, concessions. Going and. getting a drink. Oh, here we go. OF. Getting some OF. Oh. Yeah, dude's having.

like multiple. This is why he gets away with a lot of. cuz I don't even know what he spends. know he's using OF? No. This is brand new to me. Dude's paying. to jerk like every 5 minutes. Brand new. to me. But the reason why with that is. it is the age gap, so I'm a lot more. active than she is. But I'm so in the. wrong. Cuz I smoke here and there. Well, it's not like it's that much. You. smoke like every single week. I don't. know, man. You This comes out to the. point Yeah, one Yeah, you can't get it. for free. Two,

uh it's basically it can break down to. one one and a half times a week that. you're paying. Yeah, but that was That was just That. was just that one that one month. That. was just that one month. Okay. Okay, I only have access to one. month, so I will not accept that. No. So, OF, Apple bill Apple bill, University Market, University Market, OF. back at it, 20 bucks that time. To get. coffee that we have at the house. No, OF is the Oh, I'm talking about the. market. Yeah. Yeah, yeah, yeah. Roku,

what the. Roku. Uh sending money out. OF, we're. back, 10 bucks that time. Sending $80 out checking the box. Cabo. Bob's Burritos, sending money out. Uh. filmographer and editor who's editing. this right now loves Cabo Bob's. That's. the. That's best I've ever been It's best. That's awesome. Yeah, it's so good. to not have to borrow $100 every second. of your life. Going in and getting a. drink or taquitos or whatever. Uh.

taquitos, we're back to the OF. Paying the. I'm so mad. If I want to go out to eat, it's a fight. It's a big no. You go out. to eat all the time. No, we do. I don't. know what she's talking about. We do go. out to eat. You go out to eat. You stop at the. market. You're essentially You're paying. for that naughtiness. That as well. But I also feel like it's cuz I'm. getting. the the bare minimum done, so I feel. like I have any extra I have I feel like.

I have the right to to enjoy myself. Well, well, sure. You have the right to. your life, of course. I don't think. how you want to look at it, you have the. right Of course, you have the right. You. have the right to go out there and run. into a pole and die. don't I want you to, and that doesn't. mean it's good. But of course, you have. the right to be stupid. I just also don't want to be the only. one supporting us, if that makes sense. Like I don't want to have to This is. excuse. This is not the excuse zone. I don't give a [ __ ] How does that You. have to Okay, so you don't want to. support you guys yourself longer. Fine.

Go on your own. But even if you go on. your own, guess what? Your spending's. not getting you out of this You haven't. paid your debt back in a year of what. according to your salary should have. been an easy payback. Yeah. PlayStation. Back to OF. Burger King. Is it really that much? times are yes. Is it that much? Yes. Oh, wow. Yeah, that also can easily turn. into an addiction, to be very clear. I. just started getting into your videos. right after this, like around January.

So, then I No, I've been figuring it. out. I I haven't bought that. Nope, that's not how this works. This is. the end of January. This is like a. second ago. Then you can't There is You. cannot come on here and be like, I just. started watching and I'm fixing things. I can say I'm on a diet. If I've dieted. well for 2 days, that doesn't mean I'm. on a diet. I'm trying to fix it. I'm trying to fix. it. Trying to fix it is what. for you reality TV shows out there. Tammy said uh Big Girl Tammy, very big. girl on 1000-lb Sisters. For four. seasons, she said, "I'm trying. I'm.

trying." until she ended up in the. hospital cuz she was [ __ ] dying. And. then she actually took care of herself. So, don't tell me you're trying and then. your actions don't correlate with that. by any means whatsoever. University Market, Burger King, Cricket. Wireless. It's expensive for $109. With both of us. Yeah, it's both of us together. So. And that's with insurance and all that. stuff. So, if I were to break my phone. I'd look at Helium Mobile. I've. partnered with them. It's really cheap. It's like 20 bucks a month. 20 bucks? Take a look at it. We'll email you.

Hopefully it's better than what happened. this morning with all that outage and. stuff like that everybody. Yeah, I heard. Cabo Bob's were back. Amazon. Mind you, we're going through 1 month. How many things have I been through? Financially responsible one. Financially responsible one. But you also got to look at all the rent. and all that stuff, too. And all the. groceries and stuff. in the necessities. I'm only calling out. the purchases. Okay. Well Cuz why would. I call out things you have to pay? Too bad I know which. and I'm trying to fix it. I'm trying by. not doing anything that indicates I'm.

trying. Shut up. Sending out $500. Doctor uh or. uh oh uh. Baskin uh the. What is that? It's the coffee place in. Baskin Robbins. Dunkin' Donuts. Yeah, Dunkin' Donuts. Yeah, she wanted to go. to. Playstation.com, Pollo's something. was a gift card. Gotti Town, Sonic Drive-In, Texas. Roadhouse JD's, Applebee's, University. Market. That was a month. How long did. that take us to get through? 5 minutes. That was a month.

Here's your checking account. $162 in. there. Withdrawing for Cash App, 16 bucks. Pay. with four. Oh, I bought an Apple Watch. Oh, why do. you need an Apple Watch? You don't. You. don't. You're borrowing $100 just to. survive. Apple Watch? Congratulations. I. love it. I wouldn't do it if I couldn't. afford it. Right. But You're NOT EVEN WEARING IT. NO, NO. LOOK, I SAW. IT GOT stolen from like they gave it to.

me. and it was an empty box. So, I got all. my money back. I got all my money back. So, I'm not You're still paying for it. No, I got all my money back. That $98. that you put towards that All of that. I. got all my money back cuz they delivered. it empty. They delivered it empty? Yeah, I got all my money back. Withdrawing from Cash App, UNIVERSITY. MARKET. OH, WE'RE BACK. WE'RE DOING IT. ON BOTH CARDS. All the time. Uh oh, something Fanatics. uh Oh, that was a jersey. For what? What for who? A for a Cowboys.

jersey. You guys suck. Yeah, I know. And the Lions honestly beat you. Let's. be real. The Lions actually Well, they. didn't cuz if you look at the scoreboard. at the end of the game, you know, it's. kind of a W. But I got that jersey for. when we went to the. even make the playoffs? Yeah, we went to. the playoffs and we went That's what. they. then you lost the first game. lost the first game. That's hilarious. We're winning the I fans. Yeah. See you guys in the Super Bowl never in. my lifetime. Better than Quad Pay $56, McDonald's, PrizePicks. Now we're.

gambling. Now we're gambling. Did you. know he gambles? PrizePicks, PrizePicks. Resurrected Games, going and getting. some taquitos, University Market, University Market, University Market, Quad Pay $56, more Fanatics to wear to a. game and lose. PrizePicks, more gambling. JD's and University Market. My gosh, University Market. What do you buy at. the University Market? Oh, every morning. I get a Starbucks and a pastry. Oh, what a.

joke. Go to Trader Joe's. bake a thing of pastries. They're easy. to They're delicious. Take them out and. brew a coffee. It's easy. We have them there. They're They're for him. Where? At the. house. That was 45 minutes. and we went through the financially. responsible one. I got to call you out, man. You're. making excuses. You're deflecting. You're pushing off. You're. No. Yes. But. How Okay, your scoreboard toward the.

math at the end, your statements just. told the math at the end. How would you. possibly How do you possibly disagree. with that? How do you possibly push back. against that? It was reality right here. and if you're not willing to come on and. take a wake-up call, then what the doing. here? Cuz you also got to look at her. money and her stuff LIKE THAT. MATTER WHAT SHE'S DOING. IT DOESN'T. MATTER WHAT SHE'S DOING. If you're. spending it like that, IT DOESN'T MATTER. WHAT YOU'RE. WHEN I have to support both of us, it. does matter. to the shop and gambling and doing some. OF and spending all the money on fast.

food is not supporting her. I don't know. I don't agree with that, to be honest. How do you not agree with that? Because you're How do you not agree that. going to the University Market is not. supporting her? HOW DO YOU AGREE that. paying the jerk it is not supporting. her? How are you agreeing that buying. jerseys is not SUPPORTING HER? HOW DO. YOU AGREE. Cuz I'm paying the rent. I'm buying the. groceries. That doesn't matter. Did I call those. out? Did I call those out? No. I called. out the [ __ ] that you're spending. and you're not willing to agree. You're. not willing to agree that you can't. afford that. You're borrowing $100 every.

second of your life and paying 5% on it. cuz you can't afford to live. No, yeah. That I can agree with. But like I said, I do that because I feel like I get the. bare minimum done. I don't. You're destined for failure with that. mindset. I'm just going to be real. Like. leave the conversation at this point, honestly. You're If that is your mindset. and you are not willing to open up and. change you're destined to be a financial. for the rest of your life. With that mindset. I don't want you to.

be. You deserve Even with you Even you. being a Cowboys fan, you deserve a good. life. So, I want you to live a good life. Yeah, I mean, I want you to, too. But with that mindset, you are never. going to financial. Yeah. Reflect on. that for a bit cuz we're starting near. documents and kill me. 730% interest. rate death loan of insanity. What is. this even for? What did you borrow $450. for and then have to pay $1,080 of. interest? That was a loan.

Yes, what was it for? I needed the money to pay bills. That's. what it was. What bills? I thought he. was taking care of the bills. That's. what I've heard this whole episode. No. Um I actually think that was when we. were separated. And so, I needed a loan pay for my Which. was over a year over a year ago? Yes. paying for it? I'm not paying on it right now. I have. Why not? You're an adult who signed a contract. Cuz I need to pay it all at once so that. That's not true. That's not true. That's.

not true. You had payments. 139, 139, 139, 139. You're choosing not to pay. them. That's not true. Don't I have the. documents in front of me. I know the. reality. I Yes, I paid cuz they took out, but I. had stopped and I want to stop and pay. it all at once so it's not as much. You But you can't stop the minimum. monthly payment. That's not how that. works. I agree. Sure, save up a bunch of. money and pay it off early. That doesn't. mean we stop paying the minimum monthly. payments. Well, there's I mean, no. point. And if I'm going to pay it off at. once. You can't miss minimum monthly payments. They do with penalties. They send it to.

collections. They [ __ ] you. So, that's what that loan was for. Um. Yeah. How much do you owe on this right. now? Do you even know? Um I haven't. looked at it lately. No. I'll save this. Cuz I don't know how to put that in your. debt column. I don't even I don't even. know what that is. Okay. Okay, let me. So, a phone that was you. borrowed $179. for.

over total 27 payments. bi-monthly $78.44. and paying back a total of 2,808. uh 2,085 also known as the finance. charge being $1,205 for your phone. What predatory. this? Buying an iPhone. You didn't even know? Did you know it was this bad? No, I didn't. How? Cuz I don't look at it. I don't. look at it all the time. signed up for it. Yeah. Well, that's. under That's under my name.

He did. This is yours. Yeah, but it's. her phone. But she's been paying it. we got confused. It's her phone. I'm the one paying it down. I know this. is hard for you guys and I'm giving you. like I'm beating into you and it's for a. reason. This is the point of Kitchen. Nightmares where we call the [ __ ]. and try to get something at the end. But let this be educational for you all. out there. Learn what you're signing up for. I know. a lot of the people that learn things. from this show, you're not going to. learn the same things that like the. money guys talk about. This isn't an. investing show. This is for the vast.

majority of Americans who need a wake-up. call and get their finances started. Let. this be a lesson for you. Finance charge. of $1,205 on a. thing that was $879. Are we making the payments? Yes. Yes. I. think I haven't made What's the balance. right now? two payments. How many. When did this start? Uh it was over a. year ago. What's the balance now? I think it's about $319. to pay it off in full. So, we're almost done with that. And it.

was less, but I didn't pay it so they. pushed put another charge on there. ago? Yeah, it was a while ago, to be honest. She's had a phone. ago? I'm not sure how long ago exactly. ago, it'd be paid off. It's a 13-month. plan. It's almost a year. Almost a year. then. Almost a year. Yeah. I'm just trying to figure out how many. payments we have left. Two payments. Two. Yeah, I can pull it up on my phone. as well. That doesn't make sense. The. payments are $78.44. They charged me for not paying it. Yeah. Cuz she wasn't working. You're right. And he didn't want to pay it. No, I'm.

not going to pay that. So, this is. Soon as I get paid, that's where it's. going to, too. Is a kid in the future? No. No. I don't have to worry about that. conversation when it comes to the. life you guys are living. and what you'd be pushing on. Well, not right now. I asked the future. I didn't ask right. now. Oh, yeah. No, not right now. Got to look into it. It's not possible. So, it's hard for her. So.

Okay. And that's fine. I'm not I'm not saying. you should or shouldn't. Just trying to. figure it out. We both want a kid. That's where we put. it. Okay. Well, OF is not going to create one, just so you know. It's not how that works biologically. Yeah. Didn't even know about that. Someone tell me what this is. The couch. Oh, this is my couch. This is. my couch. Yeah. What's the balance left. on it? I think it's about 1,800 1,700 right. now, something around there. Yeah. It's.

not a lot of it paid off. Some of it's. paid off, not all of it. Yeah, some of it. Yeah. Some What's the. interest rate? Um not sure, but I was. paying about 200 and. You guys not know any of the things I'm. asking. I just couldn't find it. I I. forgot about it. And I I tried calling. them to get all the information, but. monthly payment? Uh it's $283. Oh my death, the [ __ ] cost of the. couch was $879. Yeah. And after making payments, you owe. 18,000 1,800 on it. 1,800. Yeah. What's. the minimum monthly payment? $283. You.

guys are getting taken advantage by like. every payday bull high interest rate. Yeah. Yeah. 218 a month. Yeah, I I feel like I I made a few bad. decisions from the beginning. And I'm not going to lie, you know. Yeah, I did. But I'm trying to I'm. trying to fix it. I. And also wasn't making that much right. then. behind it before we say we're trying. Well, I mean, I was I got a new job and. I'm you know, I'm moving up in my. been in this job? I got it about in. August. So, it's been a little while.

job making more money does not matter if. we spend all the money. You're borrowing. $100 to get the next thing. Yeah. Literally making more money does not. matter if it all is squandered. Yeah, for sure. Absolutely. Capital Credit in Nevada. That's my car. What What kind of car do you have? A 2013 Nissan Altima. Oh, that sucks. I. had that exact same car. The. transmission died almost immediately. That's what I hear about them. Yeah, I know. That's absolutely. terrible. How many miles are on that? Um I think it's about 90. It's 90?

How does it even survive that long? That. car is terrible. I had that exact same. Yeah. Wow. Good luck. Yeah. I don't know how. long this is going to going to last, yeah, exactly. Mhm. Yeah, but she needed a car. So, it's not like we we. No, I got you. I got you, but that's who. that's a. have. Minimum monthly payment 318. Are. you paying this? I haven't since I've Oh, no, you. haven't. The last two payments I haven't paid. Haven't? Haven't.

We just paid one of them. We just paid. one of them. So, The other ones have all been good, on. time. So, the last two. Missing one, is missing one, and that's. all it is. That's all it [ __ ] takes. I don't care if you made them all. You. miss one, you missed it. That I didn't have my job. And I'm still waiting to get paid from. this one. but you could have gotten a service job. You could have gotten something that was. and sucked and no one wants to do, but. you could have gotten it cuz they're. desperate in this town specifically. For an overnight McNug, you could have.

done that. I have I mean, I applied. I was on. Indeed all the time applying. Applying. To those types of jobs? No, no. It was. like. Yeah, I cuz that that can't be true. And then like I To be honest, I don't. know. She never I don't know what your. resume looks like. Your resume may have. Your interview showed things may have. been like may have smelled like. weed when you showed up to the. interview. I don't know. No. Um There's many reasons not to be. hired, but anyone should be able to with. a good work experience, decent resume.

skills in this town specifically. I. can't speak for everywhere else in the. country, but in the town you live in, they are beyond desperate to hire those. less desirable jobs. I didn't get hired. They weren't. you applied to those. And then I Because you would have said. you applied to those the first time I. brought it up if you did. And now you're. bringing it up. To McDonald's? To McDonald's? No, not to McDonald's, but I applied to like Target, Ross. Um no, I didn't want to work at. McDonald's. I don't care what you want. Nobody wants to No, no, no. It's a.

temporary situation. Why is this about. want? Why does everyone have this on the. show? I don't give a about what you. want. You're an adult. You're almost 40. You have needs. Needs supersede wants in. every category. I'm going to be a 40-year-old working at. McDonald's. You would be a 40-year-old. paying your bills instead of missing. them. I applied. I did apply. And then I finally find a job and they. took forever. 10 times. If Just No. You've changed. your story like 10 times now. I'm not. going to allow you to say things that. make you. sound good.

Department of Education to like to. I think this one's yours. I think this. one's hers. I think I accidentally got. this in her pile. Yes, that one was mine. That's what I. thought. This one's yours though. We. have collections is. It's raining collections in your life. It's It's raining collections in your. life. $194, $470, $528, $671, $817, $920, $1,004. $1,163, $2,389.

It just screams beyond irresponsible, beyond immature when it comes to. finances. To finances. I'm not saying you are in. life in general, but to finances. Good, at least cuz I'm not. Um yes, finances. It's a work. Huh? It's a work. I I don't. get into it. I don't. What? I don't and I need to, but I don't. mean? What are you talking What are you. saying? I don't look at all of it. It. doesn't matter. You still took it out. Why are you not paying anything ever?

Because I. Ever? can't. Not ever. It's not not ever. Buddy, you. have 1 2 3 4 5 6 7 8 9 things in. collections. Over the course of years, that's insane. And they would fall off. in seven, so this is insane. A lot of. these are 2023, 2022, 2021. That's crazy. That's [ __ ] insane. Yeah, I think. those are some of her medical bills. She. didn't have insurance. The insurance. is not the best where she works at, so. um kind of.

be honest. Capital One? That was mine. his. That was mine. Yeah, my credit card the. credit card. Sorry. With these documents, we did have. trouble with the screenshots seeing what. is whose and how. Tell me about this. Whose is this then. before I assume? Are you paying your student loans? Who? Me? No. No, this one's hers. That one's hers. I need I Oh, good. Yeah. So, Transworld Systems. And now. there's 693 owed and then 281 to.

something else and then 194 to something. else possibly you have $1,000, who even. knows if that's the correct number. And. student loans that we're not paying. Oh. my death. mine? Mhm. Dude, I don't know if I can. help you. I hope you can. Uh I'm a work. in progress. assume me You've been a. work in progress for. 40 or 37 years. Halfway through your life. Grow the. Taking money from your savings, getting. some taquitos. A loan repayment. You're also taking. money from Cash App and then paying it.

back. That's pretty much all for you. I'm a. little confused. You said she's just. spending a bunch on bull stuff like. that. 99% of the Well, she she wasn't. making she wasn't making any money. So, I was paying like going out to eat. She. did ask for money sometimes. in the statement we we've been looking. at though. No, but like going out to eat. and you know, she didn't want to make. food and stuff like that. Is this true? Sometimes we I would we. would I would go out to eat. We would. take out. Yeah, it's not just me. No, it's never.

just me. It's on your statement. Yeah, for sure, but it's not Most of the time. when we go out to eat, we go out to eat. together and stuff like that. Groceries. aren't that much cheaper. don't want to cook? No, I honestly don't. think groceries are that much cheaper. They are that much cheaper. versus us two. They are. I mean, it's pretty basic math if you. You're going through the budgeting. program that we have here. You're going. through it. Take it. That will probably. be more helpful. That will probably be. like the best thing you guys can do. Do. it. And there's a grocery There's a. grocery shopping list there with meals.

to be that you guys can follow with good. to first meals that get your caloric. needs that are healthy on a daily basis, weekly monthly basis, and it's $300 a. person. Yeah, we we paid less than that. We were. paying about $500 for groceries. Yeah, but you're eating out. Yeah. So, doesn't. count. Yeah, we got a whole fridge of groceries. in the house right now and And then a. card we're on stupidly together. Oh, there's the Capital One. Okay. Yeah, that's the Capital One. $507. And I pay that every month, but I had to. I don't think I paid that one in time,

so. But it's down to 400 right now. I've never used it. Great, it's down to. It's $100 down. It has to be because at. the time of this, you were over the credit limit. Yeah. With interest accruing, purchases. happening, more purchases than putting. money towards it. Only $50 went towards. it. Yeah, but now it's down to It's down to. $100, so. Oh, good. What is it? Going. and stopping and getting some drinks, getting some Sonic, KFC, used to get chicken that tastes. like food, and then P. Terry's. So, this. is This is bull. So, this is what we're.

doing and then we're paying late fees. and crap and bull dumb and. A lot of it's late fees. It makes it. hard. Yeah, I know. Yeah. Kind of. don't spend the money going out to eat. cuz nothing on there was a necessity. And if nothing on there is a necessity. and we're missing make payments. mispayments, then we're just being dumb. It's easy as that. Debt payments, $436.19. net, 11.5% of the overall spending for. the household. $882.91. or 23.2% went to housing. $109 or 2.9%.

went to phone. $232.49. went to transportation or 6.1%. $488.06. went to groceries, and that is 12.8%. $511.28. or 13.5% went to eating out. $113.69. or 3% went to unknown shopping. It's. usually Amazon, Walmart, Target, things. we can't determine what came from there. 1.1% medical or health care. 1.3% or.

$50.30 went to subscriptions. $458.44. Now, $458.44. or 12.1% went to miscellaneous. This is. you going and getting your coffee every. single day. Coffee and whatever. pastry you're getting. $476.70. or 12.5%. went to other large purchases. The other. large purchases were mostly cash apps. out. A benefit guar-. guarant-. What what is What does this say? Uh.

guarantee that that was her insurance. when she. um Guaranteed life? Yeah, she when she. lost her job we had we had to pay her. for insurance. Cash app loan repayments and Vivid. Seats. Great. Yeah, concert. That's all. we can afford right now. Well, that one that Vivid Seats. uh we had her friend pay us back cuz I. bought her tickets cuz they didn't have. a credit card or whatever. But I did our. tickets on the Zip or whatever. afford your tickets. Well, but I did it. on Zip so I I didn't for can't afford.

that and that's one of the most. irresponsible financial things you can. do when we can't afford to make minimum. monthly payments on our [ __ ] student. loan. Yeah, but it was a Cowboys and I had to. pay it off. up. I'm Oh my gosh. Oh my gosh. Oh my. gosh. You you, man. Oh, I'm sure you're pleasant to be. around outside of our financial. conversation, but you just bounce. everything just bounces off of you. Bounces. It just. it's insane. I put out anything that is. reality and you cannot internalize I.

said everything is an excuse, a. deflection, a blame. It's insane. Yeah, she she she agrees. with you. Yeah, I That better be a. [ __ ] Coke laugh cuz at this point my. heartburn is going insane. Of the household. What came in? Payroll's only $3,036. From Yeah, that's just mine cuz she. wasn't working. So. What went out? $3,799. It's probably just extra money that we. had previously. No, you have no money. You're borrowing money. Your credit card. balance went up. I know it didn't since that statement,

but Okay. It's No, it's money you did. not have. Plus there was barely any money starting. the accounts to begin with. So no, that's not true. They don't even make. At least I don't spend money. want to make a budget. I don't think you. guys are even close to the same page. No, we just fight about it. You fight. about everything. You deflect on. everything. You know nothing when it. comes to finances and that's okay. They're both okay. You're having a.

natural human defense that is totally. natural within human psychology. You. just have no education in personal. finance. You both have your own addictive. tendencies. You with the OF, you with. the. you with gambling you with the. Yeah, it's all I That's the only thing I. spend. Yeah, but it's a lot. The only. thing. It is a lot. It's not money that we. have. I don't think me making a budget is. going to be helpful. Um I think it will, especially with her. with her she just got another job. So.

but I don't think you guys will follow. the same. You didn't even listen to like any of. this I said it all just bounced off you. I'm just trying to see what's effective. for. selfishly just my time. So I don't think it's going to be worth. anything. No, like we want to change. Yeah, I think we do. Oh, this is this is. I'm going to freak out if I hear I I'm. trying or I want to. I It's there. of that is backed by any actions, it. doesn't.

matter. But we've also been making the wrong. choices. So I think we need to. I like a guidebook, like a little You're. going to go through the program. Go. through the [ __ ] program. But. as well. In your mind, how are you. paying the loans off? What's your. strategy? I do I want to keep working. the same overtime that I'm doing. which is more than enough to pay my. bills and pay on the loans. Yeah, but. are you going to? Because every time we. make more money. uh uh it all just goes to instead of.

putting extra towards the loans. I Yes. As a household. The one is there. Yes. So I can make the. budget. Again, I can make it. Whether or. not we follow it is and I don't think. you will. I think what's more effective Have you. guys ever been to couples therapy? Have. you guys ever been to couples therapy? We talk about it a lot. We haven't. Okay. I know it's hard within your insurances. or whatever whatever you guys have. I. don't care. Let me cover the first. session. Find a couples therapist that works for. you guys. Let me cover the first session. just so you guys can see if it's even. something that might work Let me cover.

the first session. I think that if you. guys are not on the same page, I can. make a budget all day and it won't. matter. But if I can start getting you. guys as a couple working together and on. the same page better through someone. who's mental health qualified in that. way because that's not the what this. conversation is ever going to be about. We're just about finances. Start there. We need Start there. The relationship. needs to be the core thing that we're. bonded on here before we start. You could follow the budget and she. could not. You could follow the budget. and he could not. And then this is it. all falls apart. There's no point. So.

let me pay for that first session. See. if you guys like it and then continue it. if you can. Uh and you should. And uh go through our uh budgeting. program. Go through our budgeting program and. then get connected with all the other. resources that we're going to send you. as well and stay in touch and then let. us help you, but right now making a. budget is going to be honestly a waste. of my time, waste of the audience's time. because you guys are not going to follow. it at this certain point. We need to. take care of the relationship right now. Yeah, I I agree. Yeah, absolutely. You. know, especially you know, we've been.

sometimes we you know, at each other's. necks and. On both our parts? Yeah, both our parts, absolutely. Um. but. you know. And also if you're looking for more. part. Cuz you're in Austin, it's a tech. city. I'd be happy to also I I like to. do this for guests that seem like they. might not know what they're doing in. their career field. Let me send you a. link to Course Careers who I partner. with where there's different. certifications. If you're interested in. any of those, I'll gift you one as well. Yeah, like we we really do want to make. this work. Uh like that's educational. get certifications and it might help a.

career change. So let me gift that as. well. Um. if that's something you're interested. in. There's also no pressure to do that. of course. But what scares me is you. guys have nothing. extra for you. Extra extra extra for. you. Nothing in retirement. That is the. most terrifying part of this. Collections we can just let sit. It'll. fall off. Whatever. It'll hurt credit. That's fine. What happens if something happens to you. and you just you have no money? You're going to be living on the. streets. Social Security, we can't really rely on. that by the time we retire. It's cuz I. have my family to rely on too sometimes.

For now. For now. What if they're just. like. What if they just like. We've tried to help so many times. We're. just enabling First of all, they are. just enabling you. To be very clear, they're just enabling your bad behavior. They are not helping in any way. whatsoever. So they might cut it off and. I think they honestly should. I would. because I think that would actually be. more beneficial to you. And at that. point, what do you do? So you have. nothing in retirement and that scares. me. I need you guys to go to the couples. therapy. I need you guys to get the relationship. on a solid foundation, get aligned.

aligned on your finances. Then go. through the budgeting program together. Take it together. Take the quizzes. together. Build out your budget. together. Get connected with the other. resources we sent you. Feel free to. accept your gift of certification. Look. into better career options. Go from. there. Yeah. Pay off the debt through the budget as. quick as you can. And I'm willing to help you in that time. and talk about the order to pay it off. Again, I don't think it's productive for. this conversation right now. Do that. Save up a full 6-month emergency fund. for each of you guys cuz you guys are.

not married. So whatever it takes for. each of you to survive on your own, do. that because we know you guys can take. breaks. So don't get in a situation. where you're both taking payday loans. out again separately. That's insane that. that happened. doing that actually. that point, you need to start. contributing maybe. 25 to 30% on a monthly basis to. retirement and you need to start. contributing about 20%. We can start. opening. uh tax advantage accounts and then once. you max out your tax advantage accounts. and potentially 401Ks, whatever are.

offered at work, work, we can start. opening opening brokerages and stuff. I. use Moomoo. That's a good one. I can get. you guys set up with that. We just need. to start maxing out those accounts and. investing. And from there, then we'll finally start. to have a financially secure life and. you guys can retire and the financial. stress of the relationship can finally. be minimal. Until then. dying in poverty, dying in poverty, relationship is never going to last. That's the dark future I see if we. continue down the path we're going.

Absolutely. Let's not continue down that path. Be. receptive to change. Seek couples. therapy. I mean, we're in collections. We have. nothing saved for retirement. There's no. emergency fund. Our spending's beyond. out of control. Every single category of. our Hammer Financial Score category is. zero. So Hammer Financial You. said six and then a four. You said five. That's a joke. Hammer Financial Score. for both of you zero out of 10. Make. sure to check out all the resources. linked in the description below. They. are what I use or would use in specific. situation including the best budgeting. program in the history of the world that. they're both also going to take.

Thanks to all of our Patreon producers. for making this episode possible. If you. want to participate in an episode of. Financial Audit and you're able to make. it to Austin, Texas, please fill out an. application in the survey linked in the. description below. You can also send a. link to your friends or family who you. think might be good to be on the show. If you have any questions, you can email. casting@calebhammer.com.