Most Childish Couple I've Ever Had On Financial Audit

so the passes. were, for both of us of us for fing what. for the whole year so now we can go. anytime we want whenever we want what. the. actual look at this you just spent a. th000 fing billion jillion dollars on. this card rich people don't do this cuz. it was my birthday a couple weeks your. birthday all of our education is bundled. together for 15% off with a 30-day money. back guarantee go to Caleb hammer.com. bundle or click the link in the. description or pin comment below.

my name is Stephanie I'm 27 years old my. name is Michelle I'm 28 years old and we. live in Mesa Arizona and this is. financial audit wow thanks for coming. over to Austin guys okay so this is uh. this is exciting we haven't had a. rainbow filled episode I think. everyone's a little excited about this. it's it's going to be interesting uh not. because of that specifically but because. we have a lot of couples on and it's. going to be interesting to see the. dynamic here yeah very curious very.

excited yeah so who decided they wanted. to come on her was this a co- effort. definitely her it was me she didn't know. about it until after I didn't tell her I. applied for the show until after I spoke. with Lindsay the first time really yeah. yes and do you want to be here yeah I. thought it was cool I I showed it to her. before and I she I told her she didn't. have to but she's excited yeah okay so.

let's start with you Stephanie what do. you do for a living Mesa um I'm a. registered nurse at one of the hospitals. very cool what are you making um I make. $36 an hour oh okay thank goodness but I. get um an 18% differential for nights so. what about is coming in on a monthly. basis what hits your account on a. monthly basis from my paycheck I believe. it's. about. 4400 okay cool works for me and you what.

do you do I work at Arizona State. University um in the GRS Department. doing like reporting okay cool what do. you make uh 495 a year yes 49 okay what. hits your account on a monthly basis. typically like 1300 oh sorry um 2600. yeah okay so the month we have was. obviously clearly like a three paycheck. month is what we saw which happens a. couple times a year because I was a.

little excited for you guys I was like. wow obviously $7,000 is what the math. comes out to and that's more what you. guys are. making I had closer to payroll coming in. of about. 9,800 so this is a three paycheck. month yeah okay so that's a little it's. 7,000 is not bad 7,000 is not bad my. expectations were here and you're here. luckily this is still good okay so How.

We Living makes us $7,000 hours a month. net how you feeling what are we doing. are you guys married no we're supposed. to be getting married in March okay good. cuz I don't have typically couples who. aren't married but you're going to get. married soon yes are you guys combined. right now everything's been combined for. eight years eight years almost eight. years we've been together for eight. years yes sorry we've been together for. 8 years and since 2019 you guys combined. yeah wait how long were you dating. before you com blind maybe like 2 years.

everything's together it's so risky. though what about debts are you on each. other's debts are you authorize uses on. each other's debts you guys have deaths. together so we're not authorized users. on each other's cards but we both use. each other's you use each other's cards. yeah we are authorized users on like one. card but what are you guys doing why. would you combine a sore what first why. did it take so long to get married and. two why are we combining things before. marriage there risk I not I don't. encourage for anyone's breakup but what.

if guys cuz it. happens yeah I I think well when we. combined it was my idea originally. because when we were splitting bills at. the time we were both servers and with. making money with tips and it was just. kind of confusing to me so I just 19 and. 20 combining without being married yeah. but okay it I I think it actually worked. out really great for us cuz ever since. you talking about your finances are an. Absolut mess no that's true but what are.

you talking about we don't argue as much. about who's paying for what I guess cuz. we used to before we you pay this bill I. pay that have to like oh I spent $30. here um you you buy this I'll buy that. some some people find it sketchy if an. engagement is going on for more than a. couple years what the eight years we. well we got engaged in we did get. engaged in 2023 May 2023 for sure you've. just been together for a very long time. without engagement marriage why why are.

we taking so long I think it's partially. because we were so young when we started. dating cuz I was 19 and she was 20 that. we weren't like I we just weren't really. thinking about marriage at that time I. guess I don't know we were both in. college and just sure then but there's. also been like five six years since yeah. I I think that we we just weren't we're. just not in a rush and why is this March. going to be the time then um I think. it's because I graduated nursing school.

that was like a big thing for me when. did you graduate I graduated in last. December when did you start March this. past March when did you start school oh. I started school well I've been going to. school since I graduated high school me. why did it take a decade because I was. working full-time so I was taking like. part-time classes that's not necessarily. bad I mean there's certainly an offset. there there's a mathematical uh Break. Even point when it comes to student.

loans and you know whether or not okay. we take some student loans out it's at a. low percentage and uh you know hopefully. federally subsidize and then we complete. School even quicker if we have to do 10. years in order to work full-time to cash. flow we complete school instead of four. and then all of a sudden our income is. up and we're able to invest it and we. make the difference and then it. completely offsets that and more but. yeah we I actually I paid for a handful. of semesters out of pocket because I was. going you weren't paying cash.

well the whole time even though you. worked fulltime the whole time why then. what's the point of even extending it. out 10 years I was I did have to take. loans out for a couple of years and. especially the last two years when I was. actually in the nursing program because. I wasn't working at all oh they're. telling me you sent over surprise. student loans last night Jak didn't even. see until like right now I forgot about. the student loans because I how do you. forget about the student loans cuz I. just started paying them like this month. what if you accumulated in student loans.

over 10 years. 15,000 that's not horrendous I no you. really just delayed that whole potential. income earning process which means you. also delayed the best decade of your. life for compound growth the money that. could have been invested setting you. guys up you have no idea you got only 3. years to go and then all of a sudden. that decade's done I will say the. nursing program had like a threeyear. wait list to get into then go to a. different one there's nursing programs. everywhere yeah it would just it would.

just would have been more expensive the. one I went to was probably the cheapest. and the the better one it was a. community college it was at a community. college yes you can't go to another. Community College with a little commute. they have like this weird thing where. the all the community colleges are owned. by the same comp like Maricopa they're. all Maricopa schools so when you apply. to the nursing program you go to like. any of those schools yeah. okay so when I go to so the waiting. program was for all of them yes for All.

amop County MH I did find of I actually. would have not been graduating for. another probably next year I would have. been graduating if I had weighted the. full amount but I found a FastTrack. program so I did get in sooner because I. I was working in insurance and then I. quit that job to start working as a CNA. because if you work as a CNA at a. certain company they'll let you in. sooner so I did do the fast track to do. this program as soon as I could okay so. $15,000 what's the interest rate.

um average across the board average I. think is four see that's not bad what's. the minimum monly payment um it's 163. how long are you waiting to get into. nursing school versus what were you. doing in between like between like oh I. have enough to get in Associates gen EDS. blah blah blah before going to nursy. school how long are you just waiting cuz. 10 years is still an insane amount of. time like you've just you've lost so. much time yeah I so I I originally was. going to a university I went to a. university in northern Arizona for a. year or for for a semester I don't have.

any student loans from that what a fing. second what are the student. loans your student loans are freaking. pass do yeah I did have a what are we do. and then oh guess what future wifey over. there is giving you the face of what the. well because her dad had paid for some. of the na so I wasn't sure if that was. paid by him or I didn't even know what. was left from. any why do you pass.

do I it's 162 so that's your monthly. yeah 163 you said okay yeah how why you. make money you guys bringing $7,000 a. month and that what is happening so my. student loans had been deferred for so. long cuz I was in school continuously. yeah and then they give you a thousand. warnings that it's about to start via. phone calls and emails and mail yeah I. my email was getting very full so I I. didn't that's why you look at it and get. rid of and act like an adult what else. is she missing what else is she missing.

what else is she missing then if the. email is full come on you can't just not. do that so I I yeah so I did eventually. see it because I logged into the account. and saw that it was passed due which is. why I realized that I do need to start. paying back on them yes cuz they start. garnishing your wages if you don't yeah. they take it before you can even see. your money cuz it's the federal. government do anything right so I that's. why I know I need to start paying on. them now but why are you paying on them.

now then when did you find out their P. to um last like last month when I was. going through all my account why am I. seen a past due statement then or why is. Jake well I didn't have the money to pay. you make $7,000 a month net across the. board what are you talking about and. we're all combined it's not even I. didn't have enough money yeah I did I. didn't have money in my debit account to. P pay your debit account you mean. checking account yeah listen $7,000 net. this is literally.

2.3% of your net income 2.3% you. couldn't make payments not at. the time I was waiting for the money go. where would the money go where would the. money go where would the money go how. about that shopping it's interesting I. could kind of have a little bit of. insight you make $7,000 a month how much. was spent this last month guys how much. how how much was you spent I we make. 7,000 you. 7,000 I'm going to say I'll even be more.

generous because it was a triple. paycheck month you made 9,000 that last. month normally make 7,000 but you made. 9,000 so what did you spend guys what. you spend um I would say probably 10,000. yeah that's interesting. $21,000 guys you I mean you open new. debts boun got in the. debts you spent yes. insane what are you guys trying to do. but you're trying to get married right. now right now but nothing you seem.

further away from it than ever you spent. Beyond double what you make you spent. triple what you. make I don't even who's is this even a. fault of one here or is this a fault of. the together what what are we how'd you. get cuz how listen if I had a month. where it was just a crazy fing month or. something let's just say I would at. least know that I spent crazy above what. I made cuz how could I not that's insane.

how how can you not like that's wild how. did no one have any you guys estimated. it by under half what you spent under. half I'd love to hear some thoughts here. we just didn't look at it so we didn't. well we don't really look I mean we look. at our bank accounts but we don't that. helps that helps not arguing you said. guys we're in a great place cuz we're. not arguing anymore well no you won't. argue if you don't look at it cuz.

there's nothing to argue about cuz you. don't look at. it yeah I do I will say that I do think. November was a very high spending month. and I knew that it was I just didn't. realize it was that much triple that's. not a very high spending month that's. insane it's like apocalyptic Financial I. want to give you free money right now. I've partnered with different resources. that will literally give you hundreds of. dollars the moment you sign up for them. check out my investing app of choice.

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account this is the best way to learn. what your investing profile looks like. and what investing strategies to use. based on that all of this free money is. linked in the resources section of the. description below so don't pass up the. free money cuz I'll punch. you well we did buy a couple things in. November like so in November a couple. days before we found out that. Disney was dropping their annual.

passes okay and when I was in nursing. school come on when I was in nursing. school we said student you're talking. about Disney right now we're having a. conversation about Mickey and his little. mouse what are we doing well it was my I. told myself it would be my treat for. like finishing nursing school you don't. get treats if you're not paying youring. bills you haven't paid for nursing. school yet you owe on it still oh for. okay what. so the passes were $2,000 for of us for.

what for the for the whole year. so now we can go anytime we whenever we. want to any park at any time just to to. Disney the Disneyland Park which one's. that in Cali oh shitty one no I think. it's the better one the best one is much. smaller it actually has the same amount. of rides almost as the one in. Florida but the one in Florida how are. you guys getting there from Mesa. getting.

what getting pass it it's an LA so it. costs money to get there yeah we drive. we drive there okay well so you're. getting places to live does it cover the. place to live when you're there nope no. we just get a hotel so you're spending. money to spend more money yes cuz do you. get the free food while you're in there. and free drinks no we pay for that too. separately talking about 10% off merch. oh man merch that's what we need to. survive guys are you kidding me and the. the food are. priced up by 95% so yay we save 10%.

great guys we're doing so well then. merch you can wear Mickey on you sure. I'm I'm thrilled for you this is so good. you're going to watch a new Star Wars. movie or something I just I feel like. the price of the passes is worth you're. not paying on your student. loans that is a different. converation I wanted her to have like. you know because she finished nursing. school you encourage that. you're you you are.

both subjects in this Insanity yeah we. typically agree on on most most big in. our life we agree on just destroying. everything we agree on not starting off. the marriage in any way successfully one. of the leading causes of divorce we all. know is. financial we just like to have fun and I. feel like we have a lot of fun together. whenever we go to Disney yeah but who's. pulling up the U-Haul first in this. scenario guys. for Disney related things it's always.

her listen here here's just statistical. reality right I mean if I if I'm not. mistaken I've just I've just seen it. online I don't know so I I might be over. promising on the reality part but if I. remember right it's like I think it's. like gay dudes least amount of divorce. in the country then it's just like. straight couple you know decent. divorcing then uh female gay High. divorce rate. okay why would we go into the marriage.

that we want to be together forever with. finances if it's one of the leading. causes for divorce in this country why. would we want to go into something that. is statistically less. secure well we've been doing it for like. eight years or seven years married well. not married but like we've. never like we didn't see it as an issue. but also you've done it through school. and you've done it through the. you've done it through the bull you've. kicked the can down the road you're. thinking it's it's cute to get Disney. over paying our student loans you have.

yet to see what happens when you guys. try to get a house together buy a house. you have yet to see what happens when. all this comes to fruition and the debt. is out now wages start to get garnished. for not paying the student loans and all. of a sudden we need you $2,000 maybe you. guys have a kid or something then you're. trying to take care of that maybe you. guys are trying to retire together in. your 60s and we don't have a single. scent for it and I know you guys have a. little bit of retirement but again all. of a sudden what happens what happens of. people like you that I see that.

accumulate this much debt they take from. retirement it's a shortcut to pay it off. so I have no confidence us that would. stay there in this current path that. you're headed you just blew. $22,000 $2,000 when you're literally not. able to pay a $163 payment they're. telling me 75% divorce rate by the way. in the last 10 years I thought it was. much lower than that me too honestly I. thought it was less than straight. couples listen well and no it's not and. I would love I would love for anyone who.

loves each other to stay together. forever I don't give a do it but let's. give you the best chance for success and. going into the marriage with the lead. one of the leading causes makes no sense. you guys can break up easy getting. through a divorce is hard especially if. there is all of a sudden a kid or two. involved are we planning on. children we've talked about it recently. and see the conversation starting we're. just up and down yeah back and forth. about it that's usually what makes a.

baby that's just crazy that is just an. absolute sign of immaturity just. immaturity that we are choosing to be. Disney adults over an. adult making it a single adult decision. of just paying a bill you're choosing to. be a Disney adult I wouldn't say I'm a. Disney adult you literally just spent. 2,000 hours when I go along with what. she does what you can't speak up do you. not are you not able to have your own.

there you go so you're an enabler and. you did want to so you're a Disney. adult if you don't speak up for it then. you you get no sympathy on that end all. right I'm going to count down from three. 3 2 1 go on go I want you both at the. same time to give me what you think your. household score is I'm going to treat. this more as a marriage because the. marriage you guys have been together for. a long time and you're uh probably going. to get married I would bet on it uh so. cool I want how's Financial score 0 to. 10 0 being the worst 10 being the best I.

want to hear 3 2 1 two one okay so you. think you're a little better why do you. think you're a little better not that. two is good or anything but why do you. think you're a little better than she. thinks um maybe just for because I we do. have the. retirement and a little bit of it um and. we don't really have. any um car debts or housing debts no. just every other de housing debt is not.

even a bad debt though I would encourage. I would almost want you to have a. housing debt unless it's a horrible loan. or negative equity position in a home I. mean that would raise your score in my. book unless again you did it in just an. absolutely stupid way cuz usually means. you're leveraging a relatively low rate. on an appreciating asset said you don't. even these aren't even assets this. credit card is not an asset there's no. asset on this credit card but is is. sitting here. being okay well guys if you want your. Hammer Financial score it's free figure. out where you stand figure out where.

your finances stand it is in the. description below and also if you want. to come on the show come on the show. I'll give you some fun little beat up. I'll roast you a little and it's a good. time and you get to come hang out with. us down here in Austin are you guys. having a good time so far yes y. thrilling are we thrilled very thrilled. okay so you can go to Caleb hammer.com. apply and come and be thrilled with us. I'd love to have you here in Austin. Texas all right so Southwest weord. rewards so we talked about the student. loans that we're behind on so.

South how close are you to be being. behind two months on the student. loans um I think we just have to pay. this month for both. payments and then caught up um I don't. know what day it is Du then how are you. going toing do that I was just going to. do it when we got our next paycheck. yeah but what if it was due before.

then but then I would be caught up. because then my next payment isn't. wouldn't be till January and then I. would be caught up for January what. month are you behind just for November. so December you might miss though but if. I pay December and November's before. December ends then no then we'd be fine. because in January I'll just pay for. January maybe if you remember to do it. you didn't pay this one yeah it was. November's bill but. you've been pay PA in December so far I.

didn't for November I just didn't. realize that the paid in December so far. yeah it's not November anymore you've. been paid in. December yes what is your thoughts on. this I I well I didn't she didn't even. tell me that I mean I guess I did know. at one point like recently I did know. that she was going to get um or she's. going to get um student loan debt but I. didn't. realize how much it was going to be and.

when I never told her that the payments. were starting cuz I kept forgetting. about it then again that leads me to no. confidence that you'll actually make the. payment what's your thoughts on that. though the late payment and her. promising she's going to double pay. we're really never laid on payments so. that's just like kind of crazy to me. because I I mean she usually tells me. these things so it's shocking to me I. just forgot about it the student loan. cuz I cuz because it's been deferred for. so long I just forgot that I was going.

to have to start paying it now because. I've been. working okay Southwest Rapid Rewards we. just put. $1,946 on here great the $40 minimum to. payment why would we put so much on that. that's an insane amount of money and. again reminder we're not paying $163. payment on something else it's so. oh plane tickets plane tickets. two plane tickets that makes sense for. what to come here. oh at least some of it gets reimbursed.

Starbucks lightning Lane Ship Store. seasonal Marketplace seasonal. Marketplace those are all at Disney and. I were you just at Disney we've been to. we went to Disney and once in November. and then we went a couple weeks ago are. youing kidding me are you guys like. literal creatures I'm going twice in. January what wait twice in January what. the are you guys. guys what the you talking about do you.

care do you care what do you care about. other than going to Disney cuz obviously. you don't what do you mean look at this. you just spent a thousand fing billion. jillion dollars on this card and it's. all Disney Disney Disney Disney Disney. Disney Disney Disney Disney Disney. Disney Disney Disney Disney Disney and. then Wendy's the December trip was for. my birthday cuz it was my birthday a. couple weeks your birthday it's 27. I guess that's the rental car birthday.

isn't it that's your last special. birthday until 59 and a half so that's. your last birthday until 50 that's. exciting we make every birthday special. why your birthday everyone gets them. there's there's probably millions of. people there are millions of people with. birthdays today who gives a we're just. on a rock that floats we like to. celebrate each other's birthdays and I. like to do mine at Disney which is cute. why don't you do that when you're out of. dead and have fully fun emergency and. you're on track for retirement and you. guys are getting to life.

goals what is your philosophy on this. just is it an entitlement thing do you. think because it's your birthday you. deserve to do all this stuff even though. you are not in a position to afford it. two Disneys in these last couple months. two Disney next month what the. actual rich people don't do that rich. people don't do that probably why. they're rich but rich people don't do. that and you guys are doing it you guys. are literally poor great income but.

you're poor because you allow yourself. to go into horrible debt and not pay it. the November we only went for one day in. November you still traveled there bought. a gillion Gars of food we took our C we. took our nephew for his birthday his. birthday and we did split and then we. went for my birthday your birthday and. then we're going for our nephew's. birthday in January his birthday I don't. give a sh birthdays what is this. obsession with birthdays get a little.

piece of cake and you're. fine get a little piece of cake we can. even put Mickey on it who the cares for. their birthday you I have a drive is. this um 5 and a half yeah about 5 hours. this is huge for financial audit for a. year now my team and I have worked with. experts to create what I truly believe. are the three best educational programs. in the financial space on online we have. our budgeting program where I teach you.

how to create manage and revolutionize. your budget and control your money and. then there's the investing program where. I teach you to Define what investing. profile applies to you and your life and. then teach what specific investing. strategies applies to you in that. situation and now finally we have our. debt program where I teach you the best. ways to pay off debt manage debt and. even take advantage of good debt this. has been a revolutionary project that. we've been working on for over a year. now and just like over 10,000 people.

who've already taken our educational. programs you can now take advantage of. all three of them bundled together at a. 15% discount I've heard from thousands. of people now who've taken these classes. and they've literally Chang their lives. for the better and finally you can too. at a more affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this and since we already have the. passes we're not paying for the tickets. to get into the park that doesn't matter. that doesn't matter first of all you.

couldn't afford the passes but since the. passes are already done okay but that. still doesn't matter you spent $1,000 on. just being at Disney on here. $1,000 just on the Disney crap I mean. for a day for one day $1,000 for a day. guys you make seven a month net and you. blew through a seventh of it in a day. unacceptable. missing our student loan payments I.E.

the money you borrowed federally backed. subsidized from us the taxpayers you. know these ones right here us you're not. paying it back but you're going to. Disney well we're going to pay it back. when I get our next paycheck maybe we'll. see that or you can have us bonus trip. to Disney cuz there's a hidden relatives. birthday you didn't know about well next. month we the both trips we're going on. we're going with other people so we've. already committed to sping the hotel.

with them yeah call them and say oh wait. I I forgot that I'm literally a. poor I don't think we can do that I. think you can I think it's called having. a mature conversation of being an adult. and having literally any kind of. sacrifice when I'm telling people to. sacrifice things on the show I'm talking. about sacrificing watching or listen to. some ads sometimes I think it's okay to. sacrifice not going to Disney for the. 10th time in a year I'm talking about.

something so small and. insignificant but my nephew's going. going to turn three and he's at his. really few age so he won't even remember. it he won't even remember it he won't. even no he won't you don't start. remembering things until like what. around that three or four but I doubt. he'll remember core memor is what is it. like four right we took our niece for. her birthday a couple years ago. she remembers the pictures and she's.

forming memories in her brain just like. when you have dja Vu and you think you. had another thought of that before but. your brain is just convincing you that. you had a thought of it you're thinking. of the thought you're thinking of no. they don't they see pictures and they're. forming memories based on it it's what. we all do if you think you remember. something from wior 2 you. don't I think she remembers. no they have really good memor she got a. really good memory smart yeah well can. I'm proud of her maybe she needs to get. hit in the head or something but listen.

take them a year later and they'll even. have better memories and you'll have. better. money there's a lot of years to go to. Disney still I don't think Disney's. going away also promised our other. nephew we' take him for his birthday how. old is your nephew he's. turning is he turning nine nine oh my. gosh none of these are like birthdays. was worth celebrating maybe if it was. like a maybe maybe if it was like you're. 18 maybe if it's like 21 a.

RP retirement you don't get the I can. rent the car with cheaper insurance age. Disney present that's not really worth. celebrating but we already told him and. we feel bad cuz we took his brother so. we feel like we need to take him in take. him to a playground put up a Disney. statue and he'll think he's there he's. three he's no the other one that the one. that's turning nine yeah birthday's in. May and we're supposed to take him in. May oh so two in January then one in May.

yeah but the second January trip is one. of my friends from ning school this is. literally the most insane I've ever. heard him I don't know if I've ever. heard anything more insane in this. show the three-year-old's borderline. he's three he won't know where he is. he's been talking about. it he been he's been talking about it he. asked us if we're going to Disneyland. and we tell him yes and you shouldn't. have said that Z respons ible it was. irresponsible well it's his parents are.

going with us oh so we're this great. this is great they can go you don't need. to go we want to. watch you'll watch vase on Instagram and. we're sharing a hotel room shut the up I. do not care I don't care guys how are. you still battling this you seriously. aren't willing to give up going to. Disney only one time a year instead of a. thousand just to get in into some place. of financial Wellness like I can't.

accept. that how how are you guys like I can't. deal with that that's not a conversation. that we can even have guys well we. already spent the money for. the oh well yeah the annual passes yes. but again that's a ticket to spend more. money and then we already booked the. hotels for both trips in January get a. hotel credit. card to help oh to help it giv your. points your points you're spending. quad triple what you make triple what.

you make on your three paycheck month so. probably quadruple your normal. month well it gives us points to go. towards free. rooms for yeah hitting dude you can't. pay off cars if you're spending three. times. which how do I proceed in this I can't. you guys are like in a cult.

many Mouse isn't going to have a. three-way guys you do not have to. go you're this you're unmovable on. this it's hard you won't cancel these. trips well we've made commitments to our. I know other people and then you have to. have the hard conversation the mature. conversation the conversation that no. one wants to have cuz it's embarrassing.

and it hurts but it's a conversation you. have to have if you actually want to. make some progress in this if you guys. actually want to start your marriage on. a successful footing these are the. conversations you have to. have like it goes beyond a choice at. that. point and you guys can choose to do this. actually like go for it but this is your. future this is what your entire marriage. looks like. you guys are behind on retirement you.

have retirement but you're behind on. retirement most of it is because of how. long you were in school you just didn't. have a chance to get up your income. should be you should have one times your. income saved in three years two years. for you one times your income in your. retirement accounts essentially one. times your household income across the. board you guys are not on track for that. and that's just setting up some basic. tracking to get to where you want to be. by retirement cuz you need to have time. in the marketplace to grow for it to. comp compound as the market does its.

thing but you're saying no Disney Disney. now Disney next month Disney the month. after that and then probably a couple. Disney the month after that that's what. you guys are chosing over retirement and. I I I don't. know it's the hard. conversations and you need to have them. we're not acting like we're 16 anymore. we can't you can't act your nephew's age. you guys are 28 and 27 you need to have.

the adult conversations maybe with their. parents and then maybe their parents can. explain it to them okay so they're your. your sister or brother my sister how's. your relationship very good then have. the conversation yeah we're best friends. then have the conversation if she's your. best friend and sister she will. understand cuz she will want nothing. more than to support in love her sister. that is true. but but um she also we we're suppos hot. with her but.

what but we could just go this time and. then we won't go the rest of the year. you're talking about going three times. people are lucky to go to Disney once. a half decade or so even Disney's. expensive you guys are not entitled to. this this is disgusting immature. behavior that you think this is okay and. acceptable I don't even know what to do.

guys I have this Stephanie Sofi card. what is this Sofi personal loan what's. it for. 2,463 and 8% what is this possibly for. you're going to Disney when we have an. 8% $22,000 loan completely offsetting. all in every retirement account by far. that you have and we're going to Disney. great what is this so we had a lot of. credit card debt that we wanted to try.

to consolidate they all had they all had. like 20 over 20 something per interest. rates so we figured the loan we could. pay them off and P lo you hav't made. progress you're not a progress making. people you haven't done anything you. haven't done anything of. note you're there's nothing to celebrate. here and celebrate with Disney you're. not paying on your student loans you're. spending triple what you make and you. didn't pay off any credit cards you just. Consolidated it we paid off.

some I guess I just have to trust that. we well it isn't it better to have the. lower APR than mathematically yes but. what happens in people's positions like. yours who have not fixed their behavior. first have you ever consolidated loans. in the past no no okay so what often. happens is now your credit cards just go. right back up not today not. tomorrow but it can happen it that's.

what often happens cuz I know you. haven't changed your behavior again. triple the spending it is literally. documented. documented you know what's harder than. sticking to a budget trying to predict. the future of business one day inflation. Skyhigh the next it's crawling back down. and interest rates up and down sideways. it's like a soap opera with no ending. honestly where's the business crystal. ball when you need it until someone. invents that net sweep by Oracle is the.

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before what does that mean we've been in. debt like twice but so so so basically. has happened guys did you take a. consolidation no but you got bailed down. then you built your debt back up and. good what so we we had probably like. $15,000 of credit card debt like a few. years into our relationship. and it just so happened that at the time.

she lost her job and just so happened. people lose their job every day this is. why you have an emergency fund right. well they gave her really good Severance. she actually got Severance for three. months okay plus you file for. unemployment she got another job within. four weeks so she started her other job. inredible wonderful delicious love it. sounds like everything was perfect we. used the severance to pay off all of our. debt and we actually brought it down to. zero but then the debt went back up. brought it back up. yes back up to a little over 15,000.

again but then we ended up using the. like Co stimulus checks and like a few. other we got like a couple larger just. waiting for a big chunk to come in. that's your only way out of this this is. your repeating cycle ever and this is. your version of the big chunk is now. consolidating this stat so just. endlessly throughout your life debt big. chunk comes in Deb gone then we build. thatb right back up big chunk comes in. Deb gone then we build it right back up. then big chunk but this is a big chunk. this is De you owe again you're not.

going to get another stemi check I don't. think so and seph has to allow you to. survive you got a job in four weeks last. time that's amazing what if you don't. this time after you know this sence. might need to be there to survive guys. and but yet we're going 2,000 plus 1,000. in a single trip to. Disney listen with the hotel and with. how you did Disney this last time what's. not to suggest that you're going to. spend 1,000 hours at Disney each time. youing go you're going two times next. month and then one in March you can't do.

this you you can't do this you repeating. the cycle forever and you guys don't. care you guys don't care the last time. we or I guess before this time we uh we. got into a car accident and so the car. was total and we got money back for the. car but we paid off that loan and we. used what was left to pay off more debt. so the cycle is now happening for the. fourth time oh my is there another one.

also got paid for being injured in the. accident oh yes so we got about n Grand. separately same time combined yeah so. com oh but even still fourth time guys. it's obviously not working so maybe we. don't follow what you think is right as. in obviously this Disney not. working so maybe we follow what is known. to be right relatively nor take our debt. class take our debt class so you can. understand how bad your debt is debt. payoff strategies what makes sense for. your situation and we're going to help.

you by the end of this including. creating a budget you'll go through the. budgeting class because you guys have to. be able to look at accounts together you. have to be able to go through all these. together take the quizzes it's hours of. education but it's good it can change. your life literally over 10,000 people. have taken the. stuff you go through it because you get. it for free go through it you guys get. it for 15% off as a bundle but you get. it for free so go through it guys I'm. going to set you up with a counselor to. talk about this too it's just one of the. resources so we'll set you up with.

domain money uh not domain money well. why not them too I'll get you guys. connected with the financial advisor so. you guys can meet them but then I'll set. you down with the sand mine uh three. free sessions with them so it's the. resources that we get to provide that we. partner with. okay okay okay you can open a savings. account with them and I love it but. instead you're just giving them money. practically you're giving me money. oh the monthly payment is. $875 yeah.

87581 it's more but the loans for 3. years which I figured would be better. than paying off credit cards for 10. years well sure but even still this is a. seventh of your income and then you're. still choosing to put your money other. places that is not beating it that is. not you're not beating the market your. retirement is probably not beating the. market usually stock market up and down. gets 8% a year this year sure it's beat. it but next year we don't know you could. go underperform like the interest rate.

on this is horrendous let's keep going I. guess Freedom Card what's up with this. that's what we put the Disney passes on. WE but okay but you're not even on the. card oh we yeah we just we yeah you did. 364 yeah 2 you said it was 2000 so was. the other 2,000 it's not like you guys. have that that was probably for just. something. else casually just something else that's. great the interest rate period.

ends in 3 weeks yeah you guys are so Fu. why do this to yourself again fourth. time the charm no that's not how this. works why would you try the same thing. over and over again and expect different. results four times in a row guys this is. so clearly not working well we didn't. expect to get large sums of money we. just so happened to yes but then you. didn't your behavior once you paid off. the debt and it went back up again and. this is the fourth time when that's.

going to happen you're building the debt. right back up again again you. Consolidated the credit card so what did. you do you put $3,000 hour on this one. you put $2,000 hour on the one. previous what. the I doesn't make any sense we put. $5,000 on the credit cards immediately. after consolidating them is that are you. guys like no offense that is literally. like what a stupid person would do. the thing is is I figured so I started.

working this year in March yeah and when. I started working I figured that. everything would kind of work out. because we'd have actual income instead. of living off of hers so I thought that. it would just kind of balance out a. little bit spending has balance of. course hasal cuz you spent three times. your guys' household income so that's. very far from balancing there's not any. wor towards balance not even double that. would be balancing you spent three times. s your income it doesn't make sense your. income goes up you guys spend double.

your income goes up you just spend. double what the new income is you guys. spend up you well you you so you bring. in $4,400 in a month you guys already. added $5,000 to credit cards that we've. looked at so far and you bring in $4,400. a month you just you immediately just. excuse to more spend your lifestyle. inflate yourself and it's all fun you're. just like oh more income more. Disney I just figured it'd be pretty. easy to pay that off you figured the.

wrong it's not easy dude look you you. see how easy it was you had to. consolidate it you never paid off any. debt before you've always just had big. lump ones of money happen because of a. world event or something almost. catastrophic like what historical. precedent would suggest that it will be. easy to pay off for you well a lot of so. the the stuff that's on the loan the. debt that's on the loan mostly came from. while I was in nursing school because I. wasn't working so we would use it to pay.

for groceries or whatever we needed to. buy doesn't matter that's not what this. is I know I just figured that because I. was working we could pay off that. nursing school debt we. incurred instead we're just not even. making those. payments so we got Annie's hot dogs only. in San Francisco do churro Cafe when. inside Target got some cheap you know 26. bucks so it wasn't.

Necessities Republic. Ramen big expens at Target. 485 what do we go to Target for at. Disney get parts no my no way wait no. what day was that uh it released. processed on the 7th of last. month I don't know what that would have. been we don't even know where I bought. my friend's Disneyland ticket oh yeah. see. but she's paying me for it and has she.

she's paid for been over a month I know. but she's paid for part of it she just. she just owes me like the other half of. it well good news then there's $2,000 of. Disneyland tickets after. that and then more Target oh wait what. what is this out there 485 there has to. be another Disneyland ticket another. another ticket what is happening what is. happening how is this what are you guys. I've never met Disney adults before at. least I didn't think so who is this what. the actually like you guys are creatures. you guys are aing cult the the you're.

spending so much money you don't have. $3,000 in Disney on this month and then. $11,000 in the other card $4,000 in. Disney in one month and you're going two. times next month and one March and then. a million more times next year two times. in the last couple. months this doesn't it make sense how. does this keep going how is Disney. continuing to populate throughout this. conversation this is crazy crazy is this. not. crazy well they're paying us the two.

people we're going with at the end of. January paying us back for those paying. has been over a month it is also risky. you're essentially loaning out on your. credit card a balance you have not paid. well she is our old roommate and she's. always paid on time so I just trust. always takes once just like your once of. not paying your student. loans hey you're a perfect example of. what can happen. [Music].

and are they paying you. interest no not that they would have to. but you're about to pay 25% interest on. them in a couple. weeks balance is 3,000. $24.24 the minimum monthly payment of. $40 on your. credit Chase Amazon this one's also for. Michelle a lot the credit cards are in. my name. why. um I I don't really know it just kind of.

she doesn't care like I just I don't. yeah I just have two I think in my name. and then the all the you guys can't be. trusted with credit cards you're not. credit card. people you're not credit card. people spent 816 on here or 8818 again. is this even more spending with the now. minimum the payment of. 280 83 balance. 427 Ian this is the the spending is. fuing out of. control no wonder you guys are in the.

position you're in the spending is out. of. control I think I'm the one who. typically spends on that one I think. that's just my Amazon card Amazon Amazon. Amazon Amazon Amazon Amazon Amazon. Amazon Amazon Amazon a lot on Amazon. interest recr this year let me see your. Amazon oh I have. multiple um no it's just this one okay. um some of those are gifts for people. for birthday you can't. afford not even Christmas and Christmas.

you cannot aing for things guys miss. Myers cleaning gift gift. gift we didn't buy those Myers the Myers. thing I guess it was on a subscription. that that little tennis. skirt that was for Disney for her my. other tennis skirt got can playing. tennis at Disney no I just like you. where's clothes rain jackets gray oh.

guess what more tennis dresses what the. OPA fleece lined thighs they're they. were tights so see through so they're. you can't see through them but they look. like skin color I wore those under. that's what okay under the tennis skirt. in La yeah actually Anaheim is pretty. chilly for me at least hair tags you. guys don't need or can afford them. there's some dog. food usually don't see that stuff being. bought on Amazon lots of things for cats.

don't 100% need all that right now all. the little jumpy jumpies probably can't. even afford the cats and dogs uh gloves. and what is this a professional metal. Compass I don't know what that is what. the are you doing what it's for. woodworking sorry it's a 1750 she likes. woodworking I don't give a I like you. being on a debt and being able to retire. parents Comm unicate when you're. spending or we communicate a lot well. most of the time it's when she buys.

things on Amazon and it just shows up. and I don't know what it is and she'll. tell me about it after she's purchased. it but she does return a good amount of. stuff I saw a couple returns in there I. saw a million. purchases yeah and I will say I'm. planning on returning one of the dress. the tennis dresses because it didn't. work out but well after you got your. sweaty Disney I didn't wear that one I. just wear the skirt I didn't wear the.

dress oh this credit card balance is. insane oh that's this is your it's a new. one well get a balance. transfer so again a again and then you. built up your and then you spent 5,000. on those other one. 5,500 it's. just we have a long time to pay that one. off guys you're making me want to give. up you've done this repeatedly over and. over again throughout your life and you. don't seem to even suggest that this is.

a bad thing it has not worked. before well I figured giving us a longer. amount of you figured a lot of things. throughout this conversation and one of. them has not been. correct well now that I have a job that. one we have until 206 you get your job. March you've had a. job since March you didn't get it. yesterday. the goals that you guys have you're. talking about having kids do do you want.

to house um I think eventually we do. these goals these wants these are things. you're not going to be able to. do cuz you're around and you're. repeating the same mistake for the. fourth time now major life mistakes for. the fourth time now that is not. acceptable you get an excuse one or two. times we all make mistakes I've made. plenty and we all still do but you don't.

get to make them over and over again for. the course of a decade and still be like. like sympathetic towards it you know. it's hard you should have learned at. this. point oh no she's not. okay stop you have some sickness yeah a. little bit well she she's not sick right. now she was sick like a couple weeks ago. and the cough has. lingered I'm when nurse don't worry. she's not contagious you're what I said. I'm a nurse don't worry she's not.

contagious I wouldn't let her be here if. she. was you guys are DOI your minimum. payment wonderful 75 bucks a month uh. 74 how long does this take to pay off. guys. um I was how long does it take to pay. off guys with the minimum yeah I don't. know. like maybe like five or six years. that's it maybe I don't know what do you. think is it that much $75 a month and.

it's at like 7,300 five years maybe not. oh she went under okay 13. years. oh. yeah big fee balance transfer fee. $360. uh yeah 13 years to pay off is that what. I said. uh okay the interest r period ends in a.

year and a half not even year and four. months so that's going to be a lot of. Interest being. paid I think I thought that was enough. time to pay it off. again it would be if you're if you it. would be if you were disciplined it. would be if your other debts weren't. going up it would be if you didn't spend. three times your income it would be if. you wouldn't have your wages garnished. for not paying any student loans yes it. would be if you did the opposite of what. you're doing so in what world would you.

actually be able to if you continue the. way you're doing plus three Disney's. planned San that doesn't make. sense that doesn't make. sense I need to make sure you know that. does not make sense you can't continue. to have these thoughts in mindset cuz it. is not true. I just figured I'd give myself more time. I'm gon die I'm gonna myself what what.

theing what do you mean because we cuz. that debt was again mostly from nursing. school so and it was on a car that had a. pretty high interest rate so I I thought. I would I had started working but we. were paying off all the other car so. you're going to pay it off before. interest hits how much does it take to. do that on a monthly. basis I'm not sure oh but we're so. confident that we're going do and we. don't know theing number well we were. trying to focus on the things with. interest right now uhuh and then all a.

sudden you just randomly have an extra. $7,000 to pay it. off how much on a monthly basis guys. starting today. [Music]. um I don't know a few. $463 a month got to round up$. 464. yeah yeah that sounds about right yeah. it sounds about what you're not doing. let's see is it deferred. no I don't think.

so keeps going my gosh okay uh more. Stephanie Apple. card why you guys have so many cards you. obviously are not credit card people you. can use the the type of credit cards. that act like debit cards like the fiz. card it's the one we work with where it. only lets you spend what's in your. account but you guys just spend all the. money all the money that you don't have. you're not credit card people you owe. two for 1556 on this with a minimum. payment of. 125 did you get I think we have some we.

well I have apple card as well she does. but we oh my gosh you so subscription oh. the more Disney you I can't believe this. I've never heard or said of Disney more. in my life in a day than today Netflix. Starbucks World of Disney. 4308 and then Tiana's place it's a. restaurant at Disney.

Wonder we got the Apple cards because. we're like Big Apple people so then we. wait no no no no wait a second no no no. no you also an additional thousand yeah. we have installments for my phone you do. or both on of us on this card not on. this card okay well so this thousand is. you is.

me yeah for my phone Apple Store Apple. Store Apple Store Apple Store Apple. Store I see four five different things. so I have my phone and then I got an. iPad with apple you needed that so that. was actually because I just recently. opened a small business and I'm using it. for my small business yeah what's your. small business I have an embroidery shop. where I embroider like sweatshirts and. shirts how's that going um I just opened. it in November and so far I have I've.

sold two sweatshirts and I have four. that I'm making right now uhhuh and how. much did you put into it including all. the equipment and everything versus how. much you've made let's chat about your. savings for a second if you're letting. them just sit in a regular account. especially one with a low interest rate. you're missing out it's time to talk. about CDs or certificates of deposits. and I've partnered with money.com to. make finding the perfect fit for you as. easy as it can be with CDs your money. earns more interest than it typically. does in your regular saving account for. the savings you don't touch but want to. grow in the meantime money.com has made.

a lineup of the best CDs from Top Banks. all in one place you can easily compare. options and see which one suits your. financial game plan the best but why. should you care because with CDs you're. not just saving money you're actively. growing it they're safer they're steady. and they come with guaranteed returns no. stock market up or Downs just good old. predictable growth so check out. money.com list of CD choices at the link. in the description below finding a CD. that fits your safe av's timeline and. goals is important and only a few clicks. away trust me your future self will.

thank you this is a paid endorsement. sponsored by money.com which is. compensated by its marketing Partners um. I put in about. $4,000 and then I've made about $60 so. far but I just opened it mind you you're. not paying on your student loans I don't. give a I wouldn't have done this yet you. can take a risk like. that when you have the ability to take. that risk you already have risk hanging. over your head unbelievable. risk so that's why the minimum the.

payment was so high that makes sense. yeah and it's at. 20.7% variable interest Apple card right. yep yep yep okay balance of. 30913 with a minimum monthly payment of. $961 congratulations you won the Apple. Wars your minimum Mony payment is. better more Amazon purchases and then we. went into targeting got.

some um that's my uh therapist I go to. okay well I support that that's good. remind me of that payment when we do the. budget and then you have two apple. things so you actually owe an additional. 8,000 or sorry. 88063 on two apple things one was 2019. and another was 344 um one is actually. my sister's her cell phone she pays me. monthly for it great until she. you know gets hit by a car tomorrow and. then can't I hope it doesn't happen and.

then it doesn't happen um is my watch. but it could happen your watch Apple. watch let me see I actually uh-huh. exactly it's what always happens no I. wear it it's it's in the hotel room it's. in the hotel room right now because it. was getting big use interest charging uh. 18.7% interest yes yes yes yes yes. it. could gosh there's so much paper here.

all right Michelle we're. back this is. IHG this is your special little hotel. thing $880 63 with a minimum monthly. payment of. $40 yeah you just put brand new. purchases and then $99 fee what is that. is that any annual Store card fee that's. the annual fee for the card so we we. actually have to spend like 3,000 on it. to get our bonus and what's the bonus.

140,000 points which equates to in. dollars I don't know but it was like a. mind you $100 a year I think it's like. five nights that you get five nights. where how much in like most of their. yeah well shocker it's hotel that was. for my birthday Disney trip yes one of. the bajillion Disney trips of course it. is. is that all the debt guys went over the. student loans is that all the debt this.

is horrendous the only other one we have. is she has student Deb debt but it's. involved in some like weird case right. now so it's deferred what it it collects. interest but I.E it's in a uh are you. trying to tell me it's in a uh income. based repayment plan no no so it's in. some weird case where they may or may. not be wiping a certain did you go to a. potentially sketchy School no no okay. what are you talking about then do you. want to explain it well um I don't I.

don't know it's just some case that um I. got emailed about a go one I don't know. it was just that I was part of it and I. the government some weird fraud thing. that they may or may not be wiping the. loans for yeah cuz the school I guess it. was that I I don't know what do you mean. they may be they haven't decided or I. think there's supposed to be like a date. so there was two groups how much in. student loans. um. 32,000 and what was your.

minimum um I've never had to pay on it. um it's always just been. deferred via you um no from that weird. thing well so the case has been going. forever no that was recent and you're. not requesting deferment no are you on. income base payment no I don't know I. just why didn't you bring a statement. for us to look at cuz I might be able to. to tell you oh well I just figured cuz. it was in that thing that it wasn't yeah. but don't you want to know more about it.

well yeah don't you she has an email. about it I just can't I can never. remember what it was for I just didn't. really think about it. because and it's very scary they said. that. um it'll be wiped if like if they don't. make Aion if they don't make a decision. by a certain date yeah which is like. next. year sake any other debt besides. that we are paying there's no statement. for this cuz we're just paying a family. member for our car cuz we bought the car.

from them what car the car what is it. car a Mazda 33 2013. miles. 160 okay we owe 1,00 left on it and we. pay her 150 a month which is what she. wants so so it's almost well still got. almost a. year okay now is there any more that. no. okay okay so Sofi you guys do have the.

Sofi account see and I like it I use it. too and for my emergency fund you have. the checking account uh you use okay U. beginning balance 184 current 2004 okay. so much just Panda Express. Panda Express QT inside Apple cash being. sent Panda Express TJ Maxx. what oh this is so much more. Amazon Costco that's hard to tell but.

these are really cheap purchases meaning. that they don't really seem like. Necessities like who's going and getting. a. $325 necessity from Costco sounds like. gzz probably it doubled up gzz maybe. see go be some BS from Target some. vending machine ice cream Starbucks. Amazon gzen it up Raising Cane Starbuck. why are you guys gzen so much PayPal and. Uber Eats for sake that's the only we. don't actually use those delivery.

services a lot I was at work and I work. at night and so the cafeteria was closed. so I had to Uber eat something for lunch. I think Michaels hates. lesbians I think that's Hobby Lobby I. think Hobby Lobby or maybe it's. Michael's too I don't know maybe maybe I. don't a lot of people do follow who. hates. who World Market who do they hate. Starbucks Einstein's. bro hoer eats again 21 bucks some bullsh. Target probably zelling out 50 some Cafe.

Starbucks. Starbucks Talking Sticks. Resorts Resorts fry PayPal paying for. 270 the is that that was for my. embroidery machine for my small business. for your small business you just say for. my small business come on you haven't. made anything uh you can do that later. you don't need that now for my small. business I love small business do it. it's great you don't have that level of.

risk our. savings Amazon I think we're done paying. that one off yes but you put so much. money into it that could have been. paying off debt changeing Behavior. saving for retirement saving for an. emergency fund Amazon walgre you got. some bull Walgreens Walgreens. probably those are probably medications. I hope so Panda Express Apple cash sent. out McDonald's some gizz in it up store. is this called store. 757 Amazon Amazon Black Rock Coffee.

store again. 757 store guys I have no idea I have no. idea what that is they must not either. uh okay I guess no one uh high flying. Foods at a gas station. gas station went in and got some bull. targan and Z out $1,000 to who that's. our rent to her brother my brother it's. house this is so interconnected and. weird it is like incest on your side.

Financial incest everything is. intertwined got to. stop it causes weird drama eventually. you just haven't experienced it yet if. you have you should have learned your. lesson Casino really guys Einstein. Einstein gzen it up Amazon Amon this is. so. long my throat's starting to hurt. like Mickey had a turn with me bag old. crab hot stone Taco Bell Sonic.

drive-thru City Pass. 162 Apple Bill pen Uber oh more more. Uber Uber trip. Starbucks what is this forever is our. Roundup on there is that why well they. no it's not no it's not oh it is a. little there's a little but it's not. that much. popey's black rock also your spending. insane still regardless of Roundup went.

in and got some bull and Amazon and. apple cash and apple cash. and has a bull Target probably and win. in a gas station got a bull $90 of Apple. cash being sent out another Apple Bell. Taco Bell peacock peacock what the what. are you watching on peacock Hara Arena. 23 Amazon Amazon Ono 518. Italian Dutch Bros Dutch Bros gravity. coffee Venom 25 biding Car Wash guess.

you are in a. desert desert and snow that's when I'm. okay with it even still for just. maintenance purposes a car that it was. so many pages of. bull pure. bull we don't cook a lot cuz I'm not I. with we're on different schedules so. sometimes it's hard for us to coordinate. with who's cooking prep warm it up for. sake guys you're 28 and 27 you're not.

12 milp food is like never good good. yeah you're good being in debts never. good duh that's not true there is good. Deb not your versions not being able to. retire is never good and maybe make. better food learn how to use some. seasoning here and there if I took that. amount of money and just put it in my. Mumu account my investing account that I. use that would have just been growing.

that money would just be growing and. compounding it'd be making money instead. you're just throwing it all away $1,000. spent going out to eat in one month by. the way. $1,000 yeah. joke everything everything you guys are. doing is a joke you're living like. children good luck having any with that. mindset okay see here we go $111,000 in. your retirement that's pretty okay you. know I'd want you to be a a little more. by the time you're approaching 30 in a. couple years but we are on a track close.

to a right track. yeah you well 571 yeah you did you were. in school for so long is this the same. thing or is this separate um no those. are separate good so we're looking more. 22,000 for you and then I have at my. current job it's at what was the who has. the traditional IRA me oh so this is. even more more okay you're you're. you're yeah you're on track I think.

you're you're on track you are on track. which means though if we're married. we're only half on. track. so let's see where this all comes to so. $7,000 on a monthly basis not going to. put any your business income in there. that's for sure I'm going to put the big. minimum three payment for that one. credit card so we can pay it off before. interest starts ACU and just it's just. like let's not be. stupid that's going to push our just our. debt minim Mony payments are already. insane without just that I don't I don't. know how you guys have allowed.

this and if your student loans kicking. you're probably at about 400 bucks a. month if that all goes to miny payment. guys on this can't be true do I need to. re this I'm going to read this because. that seems. insane yeah I got it. wrong but now I. don't that withy payment is. 22723 which is pretty wild it's B it's.

it's you know it's pretty darn close to. half your income half your net I don't. know why you guys are allowing this or. accepting it how much is rent a th000. yes what about. utilities um we pay 150 for water and. then electricity is 270 no gas that's. included with the water internet um 55. rent. insurance we don't have it we rent from. her brother he has like ins homeowners.

insurance or whatever for the house I'd. get it just to be extra safe if you're. legally renting it through them I'm. putting 20 bucks in there get it okay. phone bills what are we looking at are. we together my dad pays for a mine it. makes his line cheaper so he says he. wants it on oh mine's. 40 that's not bad it's actually not bad. okay gas v v Drive Drive um probably. about 160 a month for both cuz we have. one car I'm I work remotely she works.

remotely so it's just really work. remotely and well guys we don't have. time to get any food from the. kitchen Car. Insurance. 153 definitely not the worst TP F. anything else to survive giving you guys. 200 bucks this is Nails this makeup this. is toilet paper this is whatever it is. tampons it is everything you need to. survive that is not covered in this. additional stuff you apply more detailed. going through the budgeting class that. you need okay groceries I'm going to. give 600 bucks follow the meal plan in.

that. class Medical Healthcare um okay therapy. how much is it on a monthly basis um. well it really just depends on when I. want to go well give me an average. then. um for 50 okay medications monthly um. like if that's like $250 $250 yeah. for what I didn't see that she doesn't. even know for what no it's for your um.

oh yeah her well yeah and she gets those. the injections from like the compounding. pharmacy the like semaglutide injections. so they're like What's that two that's. like o epic but like the cheap version. okay anything else. medical no have you lost weight yeah how. much over how long like 15. um in I don't like 4ish months I think. with all the Z out I'm surprised.

honestly but good job good job you have. pets how much for pet food we spend well. yeah probably about like 250 for pets. cuz we have five cats and a dog good and. they all have pet insurance no so we. don't have pet insurance and we were. looking into it when our dog got sick. earlier this year yes but now that she. has it's like considered a pre what was. her sick she was like severely.

dehydrated and had like. Gardia and then one of our cats too he's. had a bunch of illnesses before so I. feel like getting it for them would can. you get the other. cats I'd get them just for those who you. can I'm going to budget in. 150 cuz it'll literally save you. thousands you're not going to let them. die and if you can't afford pet. insurance you can't afford pets anything. else that needs to be in your budget. that I have not put in speak now I don't. think. so okay yep we still have enough I'm not.

going to give you any fun cuz this is so. stupid I've you been doing it and you. need to learn discipline financially for. the first time in both y'all's lives. so 879 left on a monthly. basis okay. that is but that is paying off the uh. the uh Stephanie's USA Bank by the time.

that interest ACR so we'll cross that. off because that gets us there I put. that in your minimum monthly yeah. [Music]. yeah admit a monthly payment on your. student loans until they're paid off. yours probably same once you get. them so we have to work to pay off. outside of the those. $3,419 of bad.

debt we should never have allot us to. get in this position it takes 34 months. it's not the worst it's about 3 years. it's about three years but you guys got. yourself into a three-year mess but that. doesn't include being able to go to. Disney. once at all if you. do if you do go to. Disney I will allow you to go make more. money with the second job someone both. of you whatever it is or raises or.

whatever and once you're able to put. $1,000. towards the debt to pay it off in two. and a half years I will allow you to put. a little aside over. $1,000 after you put $1,000 towards that. towards Disney things if that's what. really keeps you going throughout the. situation but $1,000 a month needs to go. to a. minimum if you're not willing to go get. another job then you're not going to. Disney this takes 3 years to pay off and. then probably another 7 months to get. emergency fund or. something that's what this is looking. like my job does have a lot of uh.

overtime opportunities so take them. nurse. them put in those. needles whatever you guys. do okay. okay there's options here consolidations. going forward or not it now it's a. discipline change now it's a maturity. change now it's finally taking control. for the first time in our entire fing. life you can pay this off in 2 and a. half years even quicker if you really. want to take more overtime get more.

raises pick up a second job whatever you. guys need to do but you're not allowed. to go to Disney unless you're putting. literally a minimum of $1,000 a month. towards this debt and then an emergency. fund after that that is when you're able. to go to Disney probably not as much as. you do I would still put more towards. the debt because maybe we as SW get out. of this in two years rather than three. why go to 30 and 31 why be there when. you pay off debt it's be 30 and 29 and. 10 it's a little better then you can uh.

you know we're about halfway of where we. need to be so far for the retirement. actually a little less CU it's not an. equal split you do make less you make. half as much meaning you guys are about. a third of the way to your retirement. goal in a few years from now okay about. a third of a away so you're behind. you're behind but you can change it this. is acfic you need to do now Disney's not. really in the picture unless you do it. the way I discussed all right guys join.

us join us in the post show we have. that's where we have all the extra goony. wild conversations we talk about some. more juicy stuff that we can't talk. about on the main show for. demonetization and privacy reasons make. sure to join us join Hammer Elite for. the best value over 1,000 hours of extra. content let's get your Hammer Financial. score spending in a budget you over. spent zero out of 10 debt no collections. it's really bad Dad I can't give it any. better than a two out of 10 cuz it's. basically as bad as it's close to as bad. as it gets um emergency fund there.

wasn't savings was there no. no guys you're going to Disney that's a. joke zero out of 10 retirement again. you're about a third of the way there. I'll be generous and give a four out of. 10 I can't now it's a three out of 10. real estate 0 out of. 10 hmer Financial score you hit it one. out of 10 all of our education is. bundled together for 15% off Link in the.

description below I'll see you guys in. the post show it'll be fun as always we. still owe for the wedding but what do. you mean you owe for the wedding our de. payoff strategy is three years with. literally no fun so that's more debt. yeah and I I did about sick for sake. what what what possibly how much more de. for the wedding you've ruined this whole. fing thing no we still ow on it to watch. the financial audit post show click the.

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