Pink-Haired Freak Makes Me Lose My Mind | Financial Audit

out of the divorce I got. $600,000 the okay where the is it it's. gone completely gone the into where. bought a house that was 330,000 I bought. it sight unseen oh no yeah I saw the. outside cuz I drove by it but oh good. you drove by it yeah it was in shambles. you don't know where that other $150,000. to $200,000 went do. you hi my name is Morgan I'm 29 I'm from. Charlotte North Carolina and this is.

Financial. audit thanks for coming down to Austin. what do you do for a living there in. Charlotte so right now I'm an executive. assistant um for a hotel chain so that's. what I'm doing right now but I've only. been doing that for a month what are you. making now in this job right now it's 25. an hour um some full-time 40 hours for. the week um but then if I have like a. sick day like I'm not eligible for like. time off pay right now how how do we. Okay how do we feel living in Charlotte. off of that it's not great so in my.

previous job I was making more so I kind. of what was your previous job um I was a. personal assistant for an individual. okay why'd you stop um because that was. very toxic so my ex boss was very crazy. um and there were what's crazy there. were no boundaries like whatsoever would. work um I was working 24/7 if I was. sleeping and he called like in the.

middle than I I had to answer um oh. those kind of boundaries those kind of. bound like No Boundaries he's like if. you're having dinner with your husband. and I call you you have to answer and. you have to leave for dinner um but you. know I mean honestly oh I would not want. that job and I assume you did not want. that job but if you know uh someone that. is looking for a specific job agrees to. that type of specific you know kind of. always 24 hours you know job and you. know they negotiate and the both parties. come to alignment then it's totally. chill but obviously if it doesn't work. for you then so you know quit it's a.

free market so so that's what I did what. really like put the nail on the coffin. was that on like my second to last day. before I quit he was telling he had this. whole rant to me about how um he it's. not his problem if I have to work late. one evening because I'm taking him to. dinner and then wake up very early the. next morning like that's not his problem. and then he said and I quote I'm not a. slave driver but I am your king and it's.

a weird thing for a boss to say I'd quit. as well I get it yes I'd quit as well I. couldn't I couldn't handle it anymore. yeah it's a bit weird a little bit of a. Power Trip yes big time well you know I. mean and you know he faced the. consequences for that he lost an. employee that was probably working hard. if you were lasting that long with those. demands that he had so I mean yeah. himself over I mean two months so not. that long but okay well I'm sure that. sounds like from that kind of job with.

that kind of person the dude's probably. turnning through him like crazy y so you. took. this to essentially just supplement no. income now so this is like the quickest. thing we could find so yes yes and no so. that job my previous job that I had over. the summer um I actually found it. through. Craigslist uh I thought it was fake at. first but then they were like show up at. the Starbucks and I get to the Starbucks.

famous person um not famous no just has. a lot of money okay got a lot of money. doing maybe not so legal things drugs um. cigarettes so not drugs but cigarettes. okay yeah interesting and I know and so. I get to the Starbucks and I'm thinking. like this has to be a scam or something. um but then there they pull into the. Starbucks parking lot in their. Rolls-Royce and I'm like okay so I got. that job with with them um and I was.

making 70,000 a year there oh wow but I. only worked for 2 months we're. definitely down heavily what do you. think what what the what happened well. wait when did you start this new job um. exactly I I don't remember it was. earlier this year earlier this year this. new job oh the one that I'm currently in. or the the one that you're currently in. oh the one that I'm currently in like a. month ago beginning yes of last month. yes payroll.

$33 right so I hadn't gotten paid yet. cuz like you start and then in the pay. period you know you don't get paid. immediately you have to wait so since. then I've gotten paid what are you. bringing in normally so now that I'm. working I bring in net income like. $3,000 a month a month okay. y all right and we had some additional. things coming Let's see we.

had transfer from husband husband so. they we're married yes yes I am married. and so he also what color is his hair do. we make a full rainbow uh no together. okay no no full rainbow but maybe I'll. convince him someday um but he he works. he's a teacher so that's why over the. the summer we had no income um but now. that he started the school year again. now we're back to making money.

well he transferred you money so we our. finances are together but we have like. all these different accounts which I'm. sure you'll see so he had money come in. where do he have money come in uh we. just had money from savings from savings. do you guys adequa plan for the. breakdown his income on a 12-month no. situation you know a lot of school. districts they well a lot of just in. general he should be able to choose to. get paid across a 12 month period yes um.

why not choose This Not That School. District they it's not an option there. they do it like if you have if you're. part of the credit union like when you. go through that credit union okay go. through the credit union right yeah I. yeah but we didn't and so why do it well. yeah now for the new school year but. that's not going to go into effect until. you know next summer when we'll have. income during the summer well no. wouldn't it start next month because. you'd get lower pay throughout each.

month to spread it out yes you guys. haven't taken that into account for your. bills no all right okay so what what's. going on here what is happening what. what is happening so basically so I have. a unique relationship with money because. okay surprise someone on the show with a. unique relationship with money okay yeah. because so um growing up like after my. family came to the US they were like.

very poor um like starting over from. being in another country I was not no. how South America uh 5 years old okay. and so growing up um with my parents. they didn't have a whole lot of money CU. they had to start from scratch happens. neither did mine okay yeah and so I got. a lot of like my money anxiety from like. growing up with my parents not budgeting. and basically just always being stressed. about money well let's fast forward a a. little bit what's happening here like I.

think well a lot of us come from places. with just bad money this is America you. know people spend money they don't have. they come from situations Okay cool so. what's happening so I have an ex-husband. I was married before an ex-husband 29. new husband ex-husband okay wow yes yes. so this is my second marriage that I'm. in right now but with my previous. husband yeah um so out of the divorce I. got.

$600,000 the yes why um that was part of. our settlement um so I could have taken. more but I didn't which I'm kind of now. regretting a little wait why could you. have taken more and why didn't you um. well I could have because if I were. doing like a divorce with like 50/50. split I would have gotten could you have. done 50/50 split I could have so this. was a pretty welltoo person yes so I. don't know exactly how much I would have.

no he tried to get me to sign a prenup. and then I didn't sign a prup and then. he tried to get me to sign a postnup and. I didn't sign a. postnup postnup post nut yes and so um. yeah we decided in the settlement. agreement that I would get 600,000. because I didn't want to take do I have. so much debt here to go through on your. end where the $ 600,000 hours ago when. did you get the 600,000 two years ago. okay where the is it it's gone.

completely gone where the into where um. well I bought a house and with the. 600,000 with the 600 so it's not gone. it's not gone right it's tied up so well. so I bought a house that was 330,000 and. I bought it like outright so like it's. paid in full so I don't have so it goes. half the cash yes um but then I bought. it site. unseen and so when we entered the home. oh no yeah I saw the outside because I.

drove by it but oh good you drove by. yeah when we entered the home though uh. it was in shambles. so we had to renovate it completely like. gut job um so we saved some money by. tearing everything down. ourselves but the renovation was like. $100,000 there's still $150 to $200,000. left where did it go um spending well we. have to buy two years yes nice furniture.

then apparently yes which you'll see I'm. in debt for some furniture me so like. the cash didn't cover you don't know. where that other $150,000 to $200,000. went do you you don't know so part of. that thing is in my ex. relationship like I was spending $5,000. a month on like both spending and like. he was kind of just taking care of. everything how long are you guys married. um married for five but together for 10. years.

10 years how old are you guys when you. got married so I met him when I was 19. and he was twice my age um so I think. 40 yes yeah okay and I definitely think. I was groomed in the beginning that's a. strong word it is that word gets thrown. around a lot right now just kind of like. the word pedophile the word the r word. and a lot of other words have kind of.

lost their meanings because yes so are. you sure cuz it's a very methodical. process of separating people from all. their connections in order to make them. feel cornered so that over the course of. many years likely starting from a young. age they cannot escape the position that. they are in at that point yes so I mean. I met him when I was 19 so I wasn't like. young young I was technically an adult. by yeah you're two years into adulthood. yeah still probably mentally immature. but you know you're 2 years into adult.

hood yes make own definitely over time. it was um more like I couldn't spend. some time with friends or okay yeah. that's a good a little he started. separating you from your groups yes. exactly he kind of started separating me. um and then it didn't turn into like. such a great um kind of relationship and. I he definitely like used money to. control me so in what ways so he would. be like you know I I was spending my.

$5,000 a month and he was just paying. off my credit card and I didn't have to. worry about anything um and then you. know he would get mad at me and like. throw me out of the house and say you. know you can't you can't come back here. and so then I would sleep in my car um. what what wait yeah so no reason given. or CU you spent the 5,000 he thought. that that's still insane either way but. yeah he thought that I was cheating on. him um which were you no I wasn't and so. but he had kind of this idea of like any.

male that I had a conversation with or. that I knew oh this Weir basically yeah. so um okay yes so I grew up so you have. to think of it from my perspective right. uh from the age of. 19 through the age of. 28 27 when I officially got divorced. yeah like I did not learn anything about. money I you were just given money to.

spend essentially yeah I just had a. credit card and interesting I could. spend whatever I wanted and definitely. much more of a lack of Independence that. a lot of people there's skills that need. to be developed through the early 20s. mistakes that need to be made almost if. not at least the skills around them. being learned before making the mistakes. but yeah you wouldn't have had the. opportunity in that situation if it was. really as closed off as you're making it. sound like then you guys got divorced. who triggered the divorce who called for. the divorce I did okay so so you're. realizing it yeah there was multiple.

years where I was like I need to leave. and so at that time I started cuz I was. still working while I was with him it's. not like I was just you got married. again pretty damn quick yes yes so when. I left him I knew for several years that. I had to leave him like it wasn't a. situation but for so long I thought that. like I couldn't leave because if I leave. then I have nothing kind of mentality. yeah yeah um but then after a scary. situation I just packed up my car and.

drove up to North Carolina um I was in. Florida before yeah and so I moved up. here and then this is where I met my now. husband um who's much better than my ex. yeah little less of the groomer yes very. much so. okay wow okay so I'm assuming you ended. up finding yourself in Deb throughout. the situation cuz you just didn't have. the you didn't really you're kind of.

almost like starting at. 19 again now at 29 because you never. went through the period of learning. those behaviors through any kind of. Independence that's interesting that's. something we've not had before that's. really interesting um still a little. confused how we had about2 200,000 hours. and yet there's this dead in front of me. if that was all consumer spending so. like that still confuses me but let's. get through this and let's try to figure. it out I want to know from your. perspective I want to see where you see. yourself today give me a score 0 to 10.

of your finances 10 being the absolute. best that you can think of zero being. the absolute worst that you can think of. where do you think you stand well I'm. not homeless so I'm not a zero but I I. would say you bought a home right do you. own the home I own the home outright. still okay yes um but I would maybe like. a one or a two sure I recognize it yeah. okay all right if you want your handmer. financial score it's free Link in the. description below see where you stand. and if you want to be on the show if you. have you know interesting finances and. you have interesting stories anything.

like that we're happy to look at. everyone's application go to caleb.com. slapp okay yeah let's start this debt. let's start this debt Journey cuz. there's a big balance on this first one. let me tell you oh God City Advantage. looks like this credit card groomed you. cuz you have a probably shouldn't joke. about that I apologize. just I'm just so and quippy about. everything that's the credit card that I. started with my ex so it kind of makes. sense ah yeah my joke was less of a joke.

I was hoping I have a high credit limit. because back then I just every time I. could I requested more how did it. approve you what were you saying your. income was is he on this well no so he's. not part of it but like I would include. his income when I like talked about yeah. so anytime I had the opportunity which I. think was like every six months I just. requested a credit. increase. 29,00 29 $94 which by the way and here's.

the thing the credit limit is $29,500. why are you at the credit limit we've. had time you're coming in here you're. saying words you're using phrases you. you have an attitude that's actually. quite Pleasant and you're seeing things. like you know where you are you gave. yourself a reasonable Hammer Financial. score why the are we at the limit what. we would do typically if we have some. kind of knowledge of our situation okay. the balance might be high cuz you're.

still trying to get out of it maybe. you're snowballing it's not high as that. okay but no you want to purchase. 6,900 $32 42 yes so I don't know what. the is going on cuz you brought it right. to the credit limit so everything you're. saying is sounding knowledgeable and. stuff gets thrown out the window and. burned and ran over by a car and thrown. down the sewer it's all you the the. actions are not backing up your words. your behavior is not matching your. attitude coming out of college I was.

drowning in debt and not equipped for. the real Workforce it was terrifying but. what got me out of that hole discipline. and self-learning new skills and that's. why I'm pumped about today's sponsor. growth school and they are organizing. the world's biggest 3 hours online AI. Master Class teaching about 25 plus AI. tools and I would personally invite you. all as well and here's the best part. it's usually a paid master class but. it's it's exclusively free for my first.

1,000 viewers who join using the link in. the description below that's right for. free plus you'll also get bonus. resources worth $500 so just register. now me and my team attended the workshop. we loved it and would rate it a five out. of five guys look job security in the. overall job market seems to be getting. worse and worse even if you've got a. cushy gig right now things can change. overnight but here's the thing you can. protect yourself by investing in skills. that'll set you up for long-term success.

and this AI master class is exactly that. it covers everything from job hunting. strategies and salary negotiation. techniques to mastering Excel and. content creation this isn't just for. Tech folks either whether you're in. sales marketing HR or even a student or. entrepreneur this master class is for. you growth school has helped over a. million people upskill across the globe. and this is your choice to join that top. 1% in an AI first world so click that. link snag your free spot and let's get.

those skills that'll secure your future. I'll see you all inside and don't forget. to join the WhatsApp group for regular. important updates So what had happened. was. um I that's like the main credit card. that we use why the would you have a. main credit card if you have a credit. card balance that you can't pay off that. is a crewing interest $. 793 of Interest why is there a main. credit card there shouldn't be a credit. card this is not a credit card household. so we we pay on it like we make payments.

but then we spend it again so kind of. like no no. no you made a payment then you spent. $1,000 more than you paid on it so no. you didn't spend on it again you. overspend yes and you'd be making a. minimum monthly payment regardless which. is $1,000 so you made more than that yes. but then you spent more what you paid. towards it and you brought it to the. credit limit and it's a Cru $193 pay.

minum monly payment next month you're. barely you're basically still added. again you have a minimum monthly payment. here $1,000. 8679 yes and so we what we were doing we. kep we kept hitting the limit and so. then payments so then we could spend but. why why why spend on it why not get rid. of a car that is acre $700 in interest. that doesn't make sense why still put on. it well over the summer we didn't have. income and so we were kind of okay then.

obviously you guys are doing life. completely wrong then when you knew you. had the credit union you could sign up. for and get that income distributed in. different ways you could have had an. emergency fund which would have covered. a summer did okay obvious well where'd. it. go toward the credit card let's s an. emergency fund that doesn't make any. sense what are you talking about where. it go how much what was your emergency. fund because if it was a six-month. emergency fund it would cover three. months of living expenses easily which. is the summer okay well not like six. months of okay so you didn't have a. fully funded emergency fund we had like. the leftovers of the.

600,000 that I had yeah which should. have been a lot of leftovers 200,000 of. them is unaccounted for so so no I think. I think our like emergency fund was like. $10,000 does that make sense for your. living situation is that 6 months no not. I wouldn't say 6 months maybe I mean not. with my studying habits yes girl this do. you even understand what is happening. here look at these lines of bull GS this. is on a credit card that we can't pay.

off that we're spending more on it than. we put towards it and is losing more. than $700 a month in. interest right so I didn't I didn't. understand how interest worked when I. started that card started but you're. saying like you understand it now I I. don't fully because I felt explain. interest to me. um like over like for example like that. card has 30% interest rate on it so that. means that like if I don't pay it off. then I have to pay 30% in addition to of.

whatever the balance was kind of. essentially so whatever the current. balance is it's taken essentially that. interest rate would be applied to it for. the annual basis and then it's divided. out to 12 months as what is added in. interest yes but what confused me was I. would look at some statements and like I. wouldn't see interest charged few months. you relatively understand interest now. yeah I you said you didn't so maybe. that's why you're up but you do now and. yet this is still happening so what so.

but like I was confused cuz I wasn't. seeing any like interest. charged statement yeah when I looked at. that statement I saw it was charged like. $700 but when I looked at previous. statements like I didn't it interest. free for a while no well every statement. shows. interest yeah a statement and then I. looked I think it says like over the. year I think I've paid like 2,200 in. interest good is that true this spend is. insane what are you doing $3,000 in.

interest recruit this year so far this. is what doesn't make sense even even. even if it wasn't just putting on this. card even if this was just in the. checking account okay we have stack this. is a thick pile listen to this sound. this is a big pile we have all this. other debt we have all this other debt. so even if this wasn't on this card the. spending is insane spending makes no. sense how much so we know what came in. we know what comes in we know what comes. in but what came in was [ __ ] either. way we know what comes in how much you. guys think how much do you think you.

guys spent what do you think was spent. again probably $6,000 both of you guys. combined together comes in on a monthly. basis 5,500 something like that what do. you think was spent in a month War only. 3,000 came in for the household what was. spent um I don't know the month but I. think like give me how much was spent. nope no no no the month how much do you. guys think you spent in that month where. $3,000 came in um maybe like 5 or 6,000. $1,333. how does this statement exist regardless.

if it's on a credit card or not makes no. sense both of you are individually going. out of your ways and eating out three. times a day separately in order to add. up to this kind of sh this is crazy how. much do you think you spent eating out. how what how much do you think you spent. eating out in the month eating out um in. one month most recent month like. somewhere between 600 and 1,000 kind of. 786 mellane bull that does not improve. your life just dumb little subscription.

or not even subscriptions dumb little. little purchases of little things well. they're not all dumb no in the. miscellane [ __ ] category yes they. are there's there's other categories in. here that are probably not the dumb. purchases the dumb purchases. [Music]. $1,821 as. in that's actually less than I thought. 60 60% of what came how what what how I. just I recognize that we make them. purchases well why the have you not. Chang it um well so that's that's the.

thing is like I spent 10 years of. spending [ __ ] no more of that that. already happened we learned about that. we get that okay yeah but you can't sit. here for the rest of your life and say. these eight years or so was bad so I'm. going to be 68 and I'm going to still be. around that's not how it works it's been. a couple years I know that's why you're. here and that's what every single person. says on the show doesn't mean I'm not. going to call you out on your [ __ ]. or question why things are happening so. we can get to the bottom of it I want to. understand in what world possibly if you. are able to recognize that this is bad.

now someone that goes through that and. doesn't learn the habits doesn't learn. what's wrong would not recognize that. this is bad so you've already made the. progress of learning that this is bad. but why have you put no actions behind. it no actions I. will but no no no that's not how this. works I will I will what is I will what. is I will I will like what I will I. could be doing anything bad I could be. doing anything bad and say I will stop.

doing it it doesn't I will is nothing. the first step is Discovery right so yes. but you already beat first step before. this so where's the I will the I will. should be I done I do wine well I mean. we we completely ate our like funds like. two months ago and so what what so I. didn't realize until now no no no what. do you mean huh ate our funds yeah like. the the 600,000 like we. I thought we had more I thought money.

would go farther which is where I'm. regretting not taking do you guys track. your money you guys have a budget no no. clearly not sit down with Mr hubby the. hubster that you know that guy you know. hang out have a good time SE put four. hours aside you know uh take the. budgeting class go through it and get it. for free take the investing one as well. highly recommend um but go through it. you guys can get them bundled at a big. discount by the way but go through it it. cuz you get it for free as a guest so do.

that learn how to budget I'm going to. build a budget by the end of this but. it's like a makeshift budget it's a high. level understanding where we are what we. can do what's the income like what does. debt payoff look like but you guys need. to get down to the nitty-gritty see. where spending is going every month and. how that needs to be changed for the. next month make sure you guys go through. it but we're going Kate's Skating Rink. an apple Bell Taco Bell storage Sugar. Creek Sugar Creek pasta Provisions ice.

cream soccer Aaron's good. girl you're Aaron's good girl I don't. know what that is no maybe he's Aaron's. good. girl interesting kindall unlimited we. can go to library I bet they have one. I'm sure North Carolina has figured out. libraries yeah there's one walking. distance from my house oh kill me now. Starbucks a fending machine for Pepsi. it's not even not even a real beverage.

Busters real ice cream McDonald's. chipotle Starbucks go getting more Pepsi. Apple subscription or in app purchase. bath and body work so we can smell all. Pleasant say cheese spice and tea Taco. Bell Uber one instant. ink Samsonite Factory something Apple. bill or in at purchase $85. 79 what the. was reimbursed hungry Ho's Pizza.

interesting hungry ho is really good. hungry ho is pretty good I miss it I. don't think we have them down here. butter cheese crust well it was so good. you went back again and then water bean. and coffee yeah that's that's that's how. I want to describe my coffee that I. spent $100 on is water Starbucks EA. getting dude got a $42 gamer he's buying. crate boxes I like to play The. Sims what are you spending for in The. Sims right now last time the Sims games.

come out like 10 years ago no there's. expansion packs you know you're get an. expansion pack every month well no not. every month when did they just come out. with one yeah really they just came out. with one again yes go and it's all about. like relationships and love and yeah cuz. that was never in Sims and they added a. dating app in Sims. so I own all the expansions so they they. have a lot of my money yeah you have no. money you blew through $600 $300,000.

really cuz at least the other one went. to a house a VIP sub trial Amazon real. ice cream color mark an apple. subscription Apper Bill something Jets. Pizza Uber Eats Subway at least get food. that isn't just. disgusting Target it's it's hard to know. Amazon a pelaton membership got to do. that to get off all the Jets Pizza Hulu. undercurrent coffee Amazon went inside. got some BS Pepsi C oh you went inside.

got some BS from there Target again it's. it's hard to know there more pizza you. guys are obsessed with pizza vending. machine vending machine Starbucks wi. inside got some BS Taco Bell inner Peaks. Busters real ice cream Crown tickets. winning got some BS stop at a store got. some BS LinkedIn premium I guess you are. you one yeah I disputed that one win. it's still pending because you're not.

going to win yeah why would you win why. would you win that it's a subscription. you probably signed up for well yeah but. the the free they gave me a free month. and then I just forgot to cancel so. don't dispute that you forgot to cancel. that's not they didn't you over you. forgot to cancel what are you talking. about well but you're abusing the it. doesn't matter you're disputing the. disruption the. dispute well yeah like I shouldn't be. charged if I didn't use it you should be. charged for a subscription that you. signed up for and didn't cancel yes you. should. what are you talking about I guess but I.

feel like I should get resp I feel like. you should cancel subscription if you're. not using it like a responsible human. yeah I just I forgot it happened yeah so. you should dispute it and take away a. company's Revenue because you were. irresponsible well iting is if you got. scammed or if they didn't deliver the. service that's valid they delivered the. service you did not use it don't ruin it. for the rest of us Ander Peaks Ice Cream. forward ah got some Bagel Starbucks. proof of the putty pudding I don't know.

barbecue went inside got some BS Apple. bill or subscription or in at purchase. who knows instant Inc wow got a lot of. that when Insight gin BS when Insight G. and Bs Amazon McDonald's Metro. Diner when I got some BS chat GPT. subscription when I got some. BS this is saying this is again on a. credit card that we're not paying off. that is acre over $700 in interest and. we're putting more on it and we're at. the credit card balance. limit Chick-fil-A Amazon Apple bill or.

subscription or internet purchase and. Uncle maro's restaurant okay but like I. have a question the actual was all that. I have a question though because like. yeah I'm at the max but what what is the. difference between like paying something. with my debit card and making a payment. on my credit card and using the credit. card because you're putting your. balances higher and when you're putting. your balances higher on a card that you. canot pay off that's at a 30% interest. you are losing 30% on your money whereas.

on a debit card there is no interest. you're just spending money that is there. and you are not losing. 30% but if I'm like paying off you're. not paying it off you're not paying it. off that's fair you're not at the credit. limit if you're paying it off you're not. even if you didn't purchase any more. money you would have only brought the. balance down to like $20,000 no no no. like $25,000 so it's not paying it off. anyway but you're paying off some of the. purchases you did in the most month but. you're not even paying it off all the. way cuz you went and put more on it so I.

don't know what you're talking about I. get airline miles which is how I flew. here. girl that does not even close to compare. to the 30% you were losing on. this not even close hey hey how you. doing did you lose uh did you spend on. this uh ticket would you have had to. spend 3 ,000 on this ticket no well.

that's how much you lost in interest. from this card this year so far so I. don't know what you're talking about. that I got a free flight from this cuz. it has cost you. $3,000 well I have like 400,000 airline. miles from that so I can the year so far. though what was your year so far in. airline miles year so far I'm not sure. yeah I don't know what your career. interests AC crewed over since you've. started AC crewing the miles were I. promise does not pay off what do you. you're the.

product yeah you're the product I'm. falling for their tricks you're not a. credit card person you fall for that you. just can't have credit cards neither of. you can have credit cards obviously you. cannot manage them you don't know how to. pay them off it's a growing interest you. don't know how to control your spending. you're not a credit card person you need. to close your credit cards if you're. going to have a card that needs to be. like charge card like the Fizz card you. put your money on you can only spend the. money that you put on it and it still. benefits your credit cuz I'm sure. that'll be a concern that you're about. to bring up yeah always.

is yeah I mean I I do want to I this is. hurting you more than any benefit you. get from credit you bought your house in. cash anyway so what kind of credit are. you trying to take out in the near. future you already got the ultimate. credit the house yeah but I mean like. that's not going to be like a forever. house so I want to you plan on. leveraging getting a mortgage or you. just going to trade up with the equ. position you have and get another house. in cash well if you do you're at least. going to put a chunky down payment yeah. yeah like I'll put a down payment but I. don't know like it all depends I family.

so okay well yeah you don't need a. credit score to get a family to get a. bigger house okay how big is your house. it's a three-bedroom okay so it's a. normal house what's the square footage. uh 1,500 square feet oh that's a normal. house yeah but like in the future yeah I. know you want you want I get it I get it. so I need to build credit well my do you. think you're building credit with a. maxed out credit card no credit score. used to be like in 800s but now it's.

like high 600s oh and I'm sure it's. going to get worse cuz you're way over. utilizing more than 30% of your. credit do I have some credit cards that. have zero balance because I just don't. you obviously can't manage it and you'll. probably use them if one's maxed out and. you can't pay it off yeah. so how do I pay them off we'll get there. by the end of it okay we need to get. your financial situation in. full context.

first just I'm just trying do you have. retirement when you were in that. relationship were you putting anything. aside for. retirement so I think I have a 401k from. one job of like. $1,000 but I don't know where that. exists in the realm of the universe so. we're falling behind on that as well and. you're best decade to count on growth is. almost up my husband has some 401K money. I don't know how much but I know he has. some just want you to take advantage of.

compound growth in the market again it's. not going to beat like the. 30% the 30% in the. card. okay. okay. 1,729 amount de Chase auto who is this. your car or his car um so technically or. technically my car but it's his car both. of our car on your credit yeah um.

because he have he didn't have good. credit and so I got his car under wait a. second your payment is passed due at the. time of the statement at the time of the. statement so is he resp two payments. that are passed you is he responsible. for paying for it or are you I am so you. pay for it well like it's no I know on. your credit but in your agreement yes. like well like we have combined finances.

because we're married right so you guys. have fully combined right I'm used to. people not doing that so yeah yeah we're. fully combined so but I'm like the one. that goes in and actually then why the. [ __ ] are we missing it now legitimately. guys I believe that you everyone in your. life everyone around us can actually. take control of their financial future. and make their lives better and we've. spent over a year here creating tools to. help make those goals a reality right. now our budgeting program and investing. program are bundled together at a 15%. discount and you get $100 in cash gifted.

to you right into your Mumu account. there's honestly no time like the. president to actually take control of. your future don't wait don't let this. opportunity pass you well it's month. yeah it's on auto pay but girl give that. a few more months that repo man's going. to be chasing it down I didn't have the. money and so the auto payment was. reversed and so I think I got like how. long did you go in between the quit job. and your new job um like one month. or so how are you guys planning on.

Surviving the summer then well only took. a month work we had enough to where. goodby obviously not well I mean I'm. here like you're here with survived. payment behind yeah that's how debt. works it builds up you get the feeling. of survival but guess what it comes in. knocking and what comes and knocking in. this situation is someone's literally. going to go tow it away in the middle of. the night yeah well I so I paid it. now what changed um well we got his.

first paycheck after the summer and so. so school has started school has started. now okay yeah so he just got his very. first paycheck which was like 30 Well. normally his paychecks are going to be. like 3300 but he got a bonus for doing. some work over the summer so he got like. 4,000 on that. paycheck and so we paid that. off you are so. so lucky you caught up on this I can't. believe you were behind in the summer.

you're just in the summer head in the. ground head in the sand just hoping you. could make. it first of all this car is very. expensive for you guys we have a balance. of $3. 4,329. 4 it's crazy what is this car so it's. just a Mazda SUV but uh 2023 for you too. you needed that I don't have an SUV so. his I have a Mazda 3 like hatch you. didn't need a SUV is what I'm saying.

well so he does so he's a musician and. so he has money huh do he make money. well yes liveable money not if you were. to do music fulltime how much money does. he make a month um so it all depends on. services so he like plays for Symphonies. and so like is it worth the 34,000 damn. dollars but like he he does like uh he. teaches music so his actual a band. director Orchestra director yeah band. director okay and so like he sometimes.

has to like carry instruments between. games and things like that is band good. no but he's trying to make it good and. so but then he plays like professionally. outside of that and so he gets paid for. like those services but it's he's like a. backup he's a. percussionist so but he's like a backup. so called uh allergies better be yeah no. allergies the scent in the a rental car. is not not good at all it's it smells.

like someone smoked in there and then. they just tried to like hide it how much. is this car worth. today um I don't know but there's. background to that loan amount also I'm. just the thing that confuses me a little. is I mean you can get a SUV minivan. whatever you know if space is the issue. for less than 34 ,000 that wasn't. required no what was what's the minimum.

monthly payment on this it's like 800. something but so the reason being is his. car 800. what what do you mean this is one of. them yes that's his that's his car the. minimum payments 800 listen as a band. kid I can't see a band director. suffering like this a band director can. canot afford a 800 something down. minimum monthly payment I'm sorry you. can't unless you're like a director of.

bands at a university you can't afford. this you can't afford this to save your. life so I recognized that it was you. recogniz a lot of things yet somehow. everything is absolutely ridiculous here. but so the reason that is so high is. because his previous car um he was. underwater no he was like not physically. underwater but like he was underwater on. that loan and he rolled over negative. equity yes so we rolled over doesn't. make sense either how much was this car.

when you got it what was the purchase. price of this um purchase price was like. almost 30s so like high 20s so you. didn't roll over that much you still. could have got a cheaper car you could. have got a 10,000 damn. car yeah but we wanted a new car wanted. wanted your life is going to be the want. yeah would you like to re return would. you like to have a family that does not. worry about finan every second of your. life I I would like that yeah so good.

yeah sacrifices are required for that. and giving up some wants are required. for that what is the interest rate on. this it's at like 8 point something per. I think or 10 somewhere somewhere there. eight or 10 that 2% can make a big. difference yeah how do you not wait. first of all how do you not even know. how do you not know what the minimum. monthly payment is I can't put it down. how do you not well it the minimum. monthly payment is 800 something 800. something there's so much in between. that that 60 840 8.

something if I had if you knew how to. actually pull a statement as we. requested I could tell you what it was. in said you took a screenshot of. something well the statement I so I. originally sent like the July statement. but I don't know why it wasn't. populating like a new statement so I. took a screenshot for the latest Alo you. got a rental car to here didn't you. aren't you flying in flying out the same. day well yeah but I did the rental car. make mathematically sens than just two. Uber trips yeah it was cheaper than Uber.

I two Uber trips yeah how much is the. rental car uh the rental like with taxes. and everything was 50 huh yeah because. with the credit card I get Avis. preferred and. so the car if it's that again you're not. making up your difference as. necessary for the credit card okay so. I'm going to say 850 for the car payment. we'll figure out the value for it cuz. you might need to get rid of this thing. that's an absolutely Insanity minimum.

the car payment for you guys do you even. know the term length on this probably. not you don't know the minimum. payment. okay yes mid. 2028 okay love. sack so that's part of the furniture. debt that I was talking about love that. one really scares me so it's a sofa but. we got the sofa that has like the. built-in and speakers and the subwoofer. and all that and so but you called it a.

subwoofer subwoofer know how you say it. if I'm sure probably I mean that is kind. of how it's spelled right but I always. hear people call it subwoofer I've never. heard subwoofer before interesting. subwoofer subwoofer said woofer makes. more sense to me sure that's probably. how they say it where you're from yeah. and so we when I got that sofa we had we. still had the money from the divorce but. I was like let me get it out on the. credit card because they they gave like.

a small discount and then also like I'm. like I'm just going to pay this off so. it's it's okay um but then we didn't pay. it off and so next month the Deferred. interest period ends yeah and we're. going to get charged interest you know. how much I think I saw it was like 22 or. 2,300 yeah literally you are going to be. essentially fined and lose. $2,389 because you're not going to pay. this off I mean you're not I yeah I'm.

not there there's no way definitely not. going love sack is that what you told. him the first night you met him well so. part of the reason we got that sofa is. because you can take off we have four. dogs and two cats and so oh my go I love. animals but I bet that place be be. stinky well that's why you went to Bath. and Body Works but um covering up does. not work as well as cleaning up so the. sofa we the previous sofa we had had our. dog like projectile vomited all over and.

there was just no cleaning it and so we. had to throw it out and so we got this. yeah but you got a stupid expensive sofa. that like I mean but so the covers are. like everything on the sofa is removable. and washable like including the sides. and the bottoms like everything you wash. everything and so that's the reason that. we wanted that sofa back could afford it. getting a couch that's like the material. is like in between leather and regular. and it's like like an. indestructible like thing that you can.

wipe off all the dog stuff and that's I. get it I get it um but I did that when I. could afford it well I could afford that. back then lies because if you could. afford it you would have paid it off you. would have at least put the minimum. monthly payment towards it that was. required to pay it off before the. Deferred interest hit it says $. [Music]. 6,175 and forgot about it how do you. forget about something that's literally. about to cost you an extra $2,300 $89. next month so like we had set like Our.

intention was totally to pay it off like. within the first three or four months. because we had the money back then um. but we set it up for like auto payments. for the minimum as like a just in case. and then we kind of like forgot okay we. got the value of your car $23,000 this. is what you're going to do cuz this is. going to save you. $155,000 going to sell that car for that. you're going to borrow $10,000 to make. the difference then you're going to. borrow. $10,000 but like would I even get.

approved for borrowing maybe you said. you're uh I don't think I I can anymore. I well you'll have to figure you'll have. to apply figure it out maybe talk to. different Brokers but um if you're in. the high 600s you said like you'll still. you'll just get some interest rates but. again if we get you at 20% you don't. even know the interest rate for that but. again $348 850 minimum the payment if I. can get you to $20,000 even if it's also. still like a 12% interest that is going. to save you money we can get out of that. quick. you get a $10,000 car that he can haul. things around in and you can get the.

other 10,000 to you know pay off so. Craigslist Facebook Marketplace we start. listing this car okay you have a car you. guys cannot afford yeah so I can I can. look into that c but I don't think I'm. going to get approved cuz I was trying. to see about like I had heard about debt. consolidation and so I was trying to. like move the credit card to like. something with a lower interest but I. wasn't getting approved for anything. well that's a different kind of debt so. again I mean you might be able to get a. 10,000 our car alone at a used car play. like there are different things you.

could do again the interest will. probably suck but it's easier to pay off. quicker cuz it's a much smaller balance. so you just have to apply for things and. figure them out I feel like I would get. get rid of my car first before his car. but this well I guess we'll get to your. car in a second okay so love SEC uh it's. a minimum monly payment of two 2117. but the Deferred interest hits on the. 20th of next month jez yeah okay so we. have a month and a half to Figure It.

Out. target so what's going on here again. because you almost paid off a balance. but it didn't even matter wait why is. there fees P two what are we. doing so it's it was on autopay but the. payment got returned because I didn't. have the money in the account to make. because you're over because you're. spending $1,500 on Bull and then an. extra $750 on going out to eat so are we. surprised no you put want about. because we have a car payment that is. 950 $850 because we wanted that car so.

now we don't have enough to pay our. minimum monthly payment on a credit card. but that one's paid off now not my doing. it was set to auto pay the full amount. and are you spending on it though cuz. you again you spent on it even though it. was paid I have gone to Target twice. since then so it's not paid off how much. is it on it it's only like 100 something. so it's not you're not a credit card. person you do not respect money someone. that does not know how to respect the. dollar cannot have access the debt but I. use it cuzz you get the 5% discount I.

don't give you had a $30 fee and. $166 of Interest again you're not beaing. the system you are acting like you're a. credit card person without being a. credit card. person you don't understand it a 5%. discount and then they got their 25 to. 30% interest. 30 so I I don't know what the you're. talking about you're not gaming the. system they're gaming you but Target. that's where I do like my grocery. shopping I don't give a use your debit.

card use cash if you need to that. doesn't mean we put it on a credit. card but I mean what do you do when like. you don't have cash you guys in your. household. budgeted not getting. $2,250 in. once Canen that's not an issue if you. guys. actually had any sense of self-control. yeah and I get it the Dude shows up.

every day and he's dealing with these. dumb that are squeaking in a OBO not. knowing how to make a single pitch I'd. probably want to get some [ __ ] food. afterwards as well that's that makes. your ears bleed but got to have a little. self-control a lot of self-control in. your case now synchrony so you have. double the sync so Al one zero yeah. synchrony well oh wait yeah is it yeah. synch is where Love Sack is. oh it's the continuation of that yeah.

like you mentioned consolidation I don't. know if I'd want you to do. consolidation cuz like if I were to like. well I mean it doesn't matter I I didn't. get approved anyway but if I were to. like consolidate and then cancel the. card kind of situation that's the thing. if we had you. Consolidated because we would be able to. connect you with relief fap who we work. with with our guests and with members of. the audience for that consolidation but. you have to get your behavior under. control first or else there just there's.

no point because you'll just rack up. your dead again this is what people like. you. do then we have a Visa you sound sick if. I get sick I'm not sick if I if I get. sick that wig is being pulled off so one. of the things that I want to be able to. afford are the allergy shots but those. are like $2,000 oh wait well it's your. insurance doesn't cover it um or your. deductible is ridiculous yeah so I mean. I don't know exactly how much it is but. like I I had looked into that and it.

wouldn't be covered and so I'm allergic. to both dogs and cats and pollen and. trees and grass and some of those so. yeah so I'm always sniffling like my and. Financial. Security yeah I'm allergic to that too. apparently Visa State Employees Credit. Union wow they're really serving you. guys by getting you into credit card. debt. $1,733 62. the minimum monthly. payment of wait no minimum cuz wait no.

there has to be but you didn't pay. anything towards it wait what is. happening here okay $58 is the minimum. there's no payment here and then there's. still purchases even though there's no. well interest is AC cre you guys do not. know how to do credit cards that one's. like the lower interest one you are not. going to say that with to me are you. that really that card has lower interest. than the other ones lower do you know. what lower low is even considered what's. lower considered on here let me see let.

me see what what you consider lower. 12.75% interest in the S&P 500 let's say. you. uh buy spy in your brokerage like Mumu. or something or. your you're like wealth advisors that. domain money or just whatever you're. getting S&P 500 at best all up years. down yours combined you're getting an. average rolling average of 10% return. this is basically 133% you're losing.

money you're losing money even if it's. lower than 30% does not make 133%. good I mean I don't know all those words. you just used but I'm sure they mean. which ones confused you all of it I. don't know what you're talking about. you're I'm just talking about investing. in just an overall Index Fund like the I. don't know what that is okay so. essentially what the S&P 500 does is it. takes like the top companies in the.

United States and it's. in okay I want to make this is that like. stocks oh boy okay yeah sorry I'm just. really trying to figure out how how to. explain this to you explain to me in. layman terms because that's how okay. it's like stocks it's the good stocks. because I have like Starbucks stock I. think okay maybe well that's one of them. it takes all the good stocks puts them. into one.

little one stock for you is how you can. think about it and you can buy that in. one that is representing all the good. ones does that make sense yes that makes. sense oh perfect okay that on average. which kind of just follows the overall. best performing companies essentially. the business environment of the United. States is a good way to think about. it all up years where it could be making. like 30% and all down years where it. could be losing like 30% you take that. on average and it has historically done. about 10% a year of.

growth okay so that's like the best you. hope to get and this is at 133% Which is. higher than 10%. so this is this is still not good so I'm. losing money you are losing money first. of all you're not even investing anyway. so but if it was at 3% that's when we. can be like okay yeah you're actually. making the difference it's at. 133% there's no point of this plus this. says vending machine vending machine. vending machine vending. machine restaurant.

restaurant vending machine vending. machine vending machine vending I think. he's at school getting vending machine. yeah how old's he exactly he is five. years older than I am so he's. 35 okay um oh yeah the vending machines. when ins got some BS got some coffee. when ins I got some BS got some coffee. the. hobbyist coffee vending machine vending. machine vending. machine dude's obsessed with his daily.

hourly Diet. Coke yeah and that that's exactly what. he drinks um but like I don't know. teachers yeah um but like that's his. like Solace from like getting away from. the band kids of like taking the walk. over vend machine High School does he. teach like the top level as well what do. you mean by the top level does he teach. all of high school yeah yeah it just him. oh no not like for band yeah yeah all.

the bands in high school not string well. that's Orchestra okay um is it a small. school um I don't know where it would be. on the scale of you ever G to a concert. have I gone to one of their concerts. yeah how many not very good is there. only one band I don't know what you mean. by one band are there different when you. go to a concert is there like a top. level band oh no bottom band it's just. them it's them and then like the strings. and then like chorus oh yeah no they're.

probably not good no I'd want my daily. diet coke Escape as well but he can also. get out of debt first and you know try. to get out of a. $34,000 $850 car payment car 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. Mumu where they give you up to 15 free. stocks and 88.1% interest on your. uninvested cash when you sign up with my. link do you want a more traditional.

savings account check out where I keep. my emergency fund Sofi where they'll. give you 4.5% on your money and up to. $300 would you rather have automated. investing sign up for acorns with my. link and you'll get $20 right now. instead of the usual $5 you'd get from. your friend's referral you can also sign. up for our investing program and get. $100 in cash deposited into your Mumu. account this is the best way to learn. what your investing profile looks like. and what investing iies to use based on. that all of this free money is linked in. the resources section in the description.

below so don't pass up the free money. cuz I'll punch you yeah I got him a free. mini fridge for his office and so he we. can buyl yeah he he just needs to do. that so that's that's a free mini fridge. that's what I like to hear yes free yeah. I got it slash St oh this must be your. car oh auto loan you stole it from your. ex- house from my exbox. it wasn't stealing though like he was. buying he had me buy a new one and then.

I just took the old one who's the bigger. who's the. bigger your ex- boss or. ex-husband I mean I wasn't at my ex-. boss's house at night so I don't know. what he did after hours but he didn't he. didn't specify what to do with the mini. fridge so I just took it and he's none. the wiser 19,000. to be very clear I mean I'm just going. to ask this just for like safety and.

just seeing where you were when you said. No Boundaries you know where everyone's. head went right oh yes yes it was there. no no it was just time it was time like. no time boundaries good good okay there. there were physical boundaries. absolutely it was very like he was. respectful there good yes okay well what. is your car um so I have a Mazda 3 and I. think year oh 2024 what are you guys uh.

so that that one that one was definitely. like want they both are no he needed the. bigger car he didn't need a. $34,000 big car $30,000 big car but so. so that one I regret purchasing my how. did you not regret both after this. conversation oh I want to go home. because so my old car if you don't. regret the other one I'm just. like I I do. cuz I feel like I could have made a. better decision but it's not like this. type of regret where like I shouldn't.

have done this at all because my old car. was a 2016 Mazda 3 and it was fully paid. off and but because Po got a new car I. wanted a new car oh you and at the time. I was like we can afford it and so but I. mean you couldn't right and so I got a. new car um but to that one I I think. it's worth more than I owe if I'm not. mistaken yeah we think I think it might. be worth about 28 yeah sell this car use. that $10,000 that's in between $99,000.

go get a $99,000 car in cash there you. go no luxury I don't give a you can get. out of you guys don't make bad money. together and your income's only going to. go up when you get a stable job I'm able. to I'm willing to I'm able to gift you a. course career certification if you're. looking for anything in different kind. of Industries um whether it even be. trades or accounting so if you know cuz. we need to increase your income as well. but both of you guys together you guys. are going to have long good careers. you're going to be able to get a nice.

car you don't need this now your. retirement is nothing you're giving up. so much you're giving up your future for. a car yeah who gives a get rid of this. are you getting rid of this um that's my. plan and I'm not even writing this down. okay cuz you're getting rid of it so. it's not even a part of your situation. cuz you're getting rid of it and getting. rid of. the car payment and you're getting a. cash car yeah. sure. yeah so like yes but like I need to look.

at cars first no cuz I want to make sure. like it has a c for example like I don't. want like a beater car no you're not. going to get a beater car you need to. look around a lot you need to look at. private you need to look at lots and you. need to get them taken to a mechanic. that you can trust come bring someone. that you can trust make sure they do a. thorough inspection that this car is. going to be safe and it's going to last. a while with minimal pairs so you're not. going to get a car that you're going to. be pumping thousands of dollars into.

okay you went to Eastern Michigan. University uh no that he did yeah how. old is he 35 may have went to school. with. him his senior year may have been my. freshman year I went there for one year. then I decided I want to go to a not. music program so I transferred but. that's insulting to him but it was. horrendous uh uh interesting p of him. for me now I'm curious um yeah let see. oddly interesting enough for those.

interested in the college football World. especially when it comes to the chaos of. like things like midweek maxtion Eastern. historically one of the worst football. teams in the entire country oddly enough. they've been midly decent these last few. years uh they've never been considered a. uh hold. on wait pull up a social media account. cuz I totally. does he know you're here he knows I'm. here does he know who I am no because.

every time I watch like I first found. you through Tik Tok and every time like. he heard your voice he was like turn. that off so he just but did he know who. I was or did he just hear my voice did. he see my face he has not seen your face. he's like not interested at all dude I. totally went to school with him I know. him he was in drum line I think when I. was yeah he wasn't we went to school. together that's so funny I'll have to. tell him about that because. yeah um yeah he anytime he heard your.

voice on my phone he was like turn that. off he has and he has like no interest. in seeing my episode or anything he's. like why why does he hate the show uh. cuz he he says that you're like too mean. and that you're voice is. annoing well what time is it cuz he. might be it's oh he should be out of. school yeah call him let let me see what. is happening let's call him in the posto. let's continue your finances we'll call. him in the post show okay let me tell. him that you guys can join the post post. show in the bottom U my producer who.

also went to Western Michigan University. uh which is the better directional. school in the state uh wants me to say. the Eagles and the chips honestly I. don't want to say the Eagles because uh. the school is so sad that it's not even. worth saying but the chips cuz they're. horrible wow yeah he gathered a lot of. um Clara typed go Irish no one cares. Clara you didn't even go there. She would argue that she went to their. sister school okay so um how much is he.

oh oh he owes a lot yeah well he got a. master's this is so weird we have no. connection we don't know each other. you're coming on my show in a state. complet like halfway across the country. from you marry and you married someone. who's listened to my voice who doesn't. even know my face but I'm went to school. with him and I've had interactions with. him hopefully positive yeah God this is.

so Random it's so cool that'll be. that'll be good to tell him also in your. checking account also weird you had. purchase in Portage Michigan my hometown. which is also. weird is he from Portage no from an. arbor yeah Portage is the completely. opposite side of the state well we we go. for like the summer to like some Lake. that's there I don't know lots of nice. Lakes yeah this is so weird which lake. no idea come on don't ruin this for me a.

lot of lakes up there there are it's. insane I do miss that for three months. of the year all right let me add off us. student. loans oh some of them are negative oh. wait no they all are it's just the way. it's written off it's weird and I don't. know why it is that way of it's like a. bunch of different smaller loans. so wow he owes a lot more than I thought. it was going to be all that too Eastern.

Michigan's not an expensive school is he. from Michigan yeah so this was in state. well yeah knowing our age difference. he's six years older If he if he was. still there while I was a freshman. meaning he went to school for a while. well yeah well he he got bachelors and. Masters. oh yeah how much is he making a year do. you know um a year I I don't know the. yearly number but it's I think it's. 58 yeah I'm pretty sure it's 58 a year.

gosh A M is for 58 man is he paying on. the student loans depends where what. matters more than the actual paycheck. it's interesting there was a chart I. came across on Twitter it's like you can. see like a lot of places like it looks. like a teachers make a lot of money but. it's more the amount of money they make. versus the cost of living in the area so. I mean teachers can do pretty well in a. lot of States um North Carolina I'm not. sure Texas is kind of mid um Michigan's.

actually pretty okay okay whatever is he. making his payments um it's probably. like $700 a month no is he on income is. he on forget public student loan. forgiveness we were kind of like waiting. to see what was going to happen with. like loan forgiveness and stuff like. that that was a year and a half ago yeah. well hopefully there's like a change in. presidency change president so like. hopefully you know the alternative to. what's currently in office is literally.

the opposite of forgiveness right what. do you mean right now change in. presidency right now the administration. that is in and if his vice president. gets in is basically a continuation is. the most pro- forgiveness but if there's. a change I.E the other. way okay Trump is not in favor of. forgiveness no no by change I meant like. the comma going to the same thing what's. going to what's going to change there. honestly I'm not sure Supreme Court. suing down anyway it's not like she can. oversee that yeah that's yeah so is it.

on deferment no well oh my you have no. idea I I honestly don't know I how much. is going out on a monthly basis please. like total oh in student loans did we. have student loan payments by any chance. a couple how much was it yeah I think. the minimum. pays you guys haven't filed household. together okay. so it's very I mean when my producers.

have to answer the question that you. should be able to answer like. it's beyond clear that you you guys are. so. far gone cuz you just don't know you. don't even. know. $2,000 I checking account uh some. purchase a restaurant I think. and pub and affirming we're affirming as. well that's medical bills they're firing. medical bills yeah you can get on.

payment plans with hospitals it went I. forget what happened with that specific. bill but it like when I looked online. and I couldn't make the payment it was. like oh you can make it in monthly. payments instead and then they sent you. to a firm yeah you know how much and how. long um well it's it was only it's only. three payments so I'm like it was a very. small amount there's a student loan. Cinemark movie but it was like no. interest I was like I'll just do went in. the Circle K and got some. [ __ ] Savings of $600 I think is what.

that. is oh yep other checking account or no. checking account continue Jets Pizza wow. we didn't get enough Pizza earlier. Chick-fil-A Hulu here's tether Sports. thing cheap chips 2 it's the second one. I think that's a vending machine. great H when it's I got some BS Apple. Bill Apple Bill Apple Bill McDonald's. okay who's in at purchasing all the time. or getting subscriptions this is insane.

it's been like 15 so that's like a. combination but the one that you said. earlier that was like $80 that's. reimbursed um so like on the side an. addition to like my main income I help. what I call this like crazy rug lady and. I like upload products on her website. and then she just pays me 15 an hour um. so I was doing that in the airport on. the way here because I can kind of just. do whenever I. want so she reimbursed that at purchase.

cuz I use it for that some restaurant or. anything this do even matter say so much. spending in. Chick-fil-A Bishops mallister McDonald's. Farmhouse Cafe this is insane who's the. spender is it equal these are crazy thr. everything I'm going through it's. equal there's stuff that he spends on. that I wouldn't like all the any. machines but it's definitely very much. equal. spending Mark Movie.

Club Bella cow. Chow Apple build books Dick Sporting. Goods coffee Joker jonker. music I'm the jonker music. Baby di Sporting. Goods Harris T Harris te Harris. T hungry ho Harris what is Harris T oh. this doesn't stop guys I'm dying that's.

a grocery store you know I actually. thought this conversation was going to. go a lot more pleasant you seemed. so sentient at the beginning and not. saying that you're dumb or anything but. it just you really made it sound like. this was going to go a lot better than. it did more. hungry no I'm not saying you're a bad. but so Harris is a is a grocery store so. those are groceries oh you know a lot of. them are going in getting like $3. purchases so they're probably just. drinks and chips and [ __ ] oh that's. actually pizza dough so you guys are.

obsessed yeah so we have we have a pizza. oven you guys are like actually obsessed. with pizza that is your meal every day. yeah we'll probably have pizza at our. wedding um but so the $3 at the grocery. store those are all pizza do so like. it's a cheaper meal than getting hungry. howis. $28 yeah actually making pizza is not. bad once you already have the oven you. can actually obviously use a. conventional but a pizza oven does it. much better uh to get that higher heat. but Pizza is a cheap meal so since those.

statements and I saw how much we're. spending on pizza now we make it at home. took out $800 from this account negative. $12 in this other this m Mark Market. money savings yeah we had to move some. oh no no no that's fees because you had. a low balance oh my gosh 998 in. this random account where Belling back. and forth for things so it's. okay it's a lot of papers you kind of.

put everywhere it's CU you have a lot of. yeah all right let's get this budget I I. think you guys should be able to manage. this well it's because all your money is. is going to just the most ridiculous. bull ever I. mean what what you gave me that face uh. I mean like it's not all. [ __ ] like for example you. highlighted the grocery stores but. that's not [ __ ] it's groceries it's.

food to yes that was like literally only. the last statement in a few of the. purchases are you kidding me but we also. have like our gym membership did I call. out the gym membership you did oh what. was it inner Peaks that's Rock Climbing. Gym okay so you got a couple little. things yeah do you know how much I you. know how much I called out there. compared to that a lot so what the what. are you talking about uh so a really.

exciting thing that you guys should be. thinking about is we now have all these. extra things with our YouTube membership. program you can sign up for our post. show we talk about extra drama for the. episode that we didn't have a chance to. dive into why would I want more than one. I don't even want one you don't you just. touch them and why would I want to do. that again because it's fun is that and. it's wholesome how is Caleb as a lover I. would give a solid nine how do you get. to a nine I just don't know how to. answer that because I mean I just do I.

just do for the upper tier memberships. all the people from the crew from over. there they come together they make a. crew cast and they talk about the behind. the scenes content and how we do. everything here I think he's a bit on. the Husky side personally oh it's that's. Brave twice a month we have a live. stream with you guys and we hang out. with you we answer questions we chat it. up we talk about the show we just have a. good time as far as what I understand. gooning is I believe it's an endless. Edge an edge without no end it is an. edge that never concludes actually I.

don't know does gooning conclude and. then most exciting right here at this. table with even more pie charts we have. an exclusive uncensored andree Financial. audit episode for the top tier members. that no one else gets to see anywhere. else consider joining because ad rates. are always up and down we're trying to. build something great here and I wanted. to make sure to provide the best content. and the most amount of content that's. ever been in a YouTube membership Link. in the description below you trying to. get any kind of justification or win.

from that there's nothing there's. nothing you can justify there yeah. there's yeah there's not a whole lot toy. I mean the biggest part of like the. credit card balance to was last summer. we went to Europe oh what the um and so. on that trip in what world do you guys. think you can afford to go to Europe. well back then that's what you keep. saying we could. as far as I thought you said it's on a. credit card well yeah cuz I was like oh. you couldn't afford it if you could.

afford it you would have paid it off. immediately I yeah I could have and I. had the money in you don't know what a. Ford is you don't know what a credit. card is I need you to just like hide. from money yeah well I money is a danger. to you you don't I want to hide from it. cuz I want it no I don't think you do. you don't respect money you don't even. know you and I think honestly I don't. think a lot of it is it's your fault. it's your behavior but I really think. that 9 years of not having any. Independence or any learning capability.

you never learned the value of aing. dollar n and this is insanely clear and. so now as I'm you also had a $400 Salon. thing a salon $400 Salon visit and. that's not even your real hair so I'm. confused what what Salon oh the name the. name's I mean is it a salon are you sure. it was $48. okay then yeah then yeah the names.

hidden for for privacy yeah okay no but. now now I remember now I remember um. it's because I I dyed my hair to make it. less maintenance that I wouldn't spend. $400 a month on it but again that's not. even your real hair I'm confused no so. the yeah but so like my real hair like I. used to have a color that was like very. high maintenance and where I had to get. it redone every single month you even. wearing the wig just for funsies I. bought on Amazon okay so 3,000 3,200.

about 6,000 bucks should be coming in on. a monthly basis wonderful wonderful. wonderful both of you combined. cool util you don't have a mortgage so. utilities how much um utilities. for uh gas I think the highest I've Seen. It Go like at least during the summer. months like 40 something a month $40. yeah and then that's cheap. electric for electric I want to say it's. somewhere between like 150 180 okay I'll.

do. 170 okay water sewage all that water I. think it's around the same water I don't. fully remember off the top of my head. but it's around that range not 40 like. the electricity one oh 170 okay what. about property. taxes so oh my God stop please I wanted. this conversation to be done I just got. the property tax bill last month and.

like I didn't. know that that was going to be a thing. the are you and so the property tax. ended up being like. 2,200 and so that paycheck that we got. of the 4,000 that already went to it it. went to the property tax into the car so. that's where that paycheck went but I. didn't I didn't know that that was going. to be a now you do right yes and I I got. that bill and I had Google it was like.

2,200 somewhere around there I'm going. to put that in your monthly budget to. save up for the next time that would be. good that that would be like a smart. thing to do um yeah when I got the bill. I had to Google like how long your. minimum monthly debt payments. $2,261 23 we're going to say it goes up. like a 100 bucks let's put for property. taxes 192. okay. sure set it aside property tax fund. phone bill how much phone bill.

170 you guys owe on your phones um he. does on his phone when you guys are done. 190 something 170 170 when you guys are. done switch to helium for the same. towers as T-Mobile but so much. cheaper but you have to pay off the. phone first. internet internet is at 70 do you guys. have home insurance. yes how. much. I don't know but I remember making the.

first payment and then I asked her like. when do I have to pay it again and she's. like not until next year you made it. annually yeah it's probably going to be. like I I'm going to do like 70 a month. start setting that aside or else you're. going to be scared when that hits again. gas vroom vroom drive drive for both of. you um we spent like 300 on gas. but I'm going to lower my gas usage. because I'm going to start taking the. bus to work instead of okay 250 now.

obviously you're still going to use gas. with your $10,000 car now car insurance. we're just going to keep it the same but. again in this equation you already got. rid of your car and you don't have a car. payment for your car I would still do. the same thing for his car by the way. I'd still get rid of it and proba the. difference but maybe I'll think about. that one. yeah basic sacrifice okay go ahead um. well car insurance I don't know that's. every 6 months how much every 6 months. cuz we got to budget it in or else. you're going to be surprised another.

surprise Bill I just I don't I don't. know like right in front of me like I. can pull it up but I don't remember like. right in front of me TP fund for both of. you together $200 meal prepping going to. do 550 you can easily do it medical or. Healthcare any. co-pays um so I have a lot of medical. bills that I've just been kind of. ignoring um so I actually don't even. know fully what they they all are yeah. but co-pays monthly basis things they. put in a budget like health insurance so. like my health insurance is 300 and then.

wait you not through work not through. work no through like the. marketplace um and then his is through. work so I don't know how much okay 300. how much for the gym. uh. 180 how much to pay for pet. food it's an expensive game JY get a. cheaper gym well it's rock climbing I. don't give there's no other one don't. rock climb I mean I guess you don't have.

money um Ro outside dog. food well we like switch their dog food. cuz we how much a month please. um maybe like 200 okay a month I'll just. say that number but it might be. different this is why you need to go. through the budgeting class and figure. it out yeah cuz this is a mess this. isn't a reliable budget you need to get. rid of. this is including again you getting. ready of your car I'm doing about 200.

bucks a month for car insurance saving. up for that. payment okay good I mean you guys have. an extra ,000 50023 to so if you guys. hit a Mortage you'd be. $6,000 left so yeah I mean yeah you have. $977 left on a monthly basis 977 cool. I mean yeah I mean that sounds great. wonderful cuz we're trying to also pay. for our wedding. so oh my gosh okay let's talk about that.

in the post show okay this has already. been going so long and I just I want to. get you out of debt and that's what I. care about that's what we're thinking. about I don't trust that you're going to. get down his car essentially that. $20,000 so I don't even know what to do. there dude even even the city card. takes over two years to pay off. six two and a half to three three years.

to pay off just the three credit cards. three. years just the three credit cards and. then we have the massive balance of. student loans and massive balance of the. car student loans you might be able to. get some I don't know what kind of state. programs exist you know any kind of. public student loan forgiveness you know. look into it I bet that's what he's. already. doing because the thing is like we're. not getting approved for like anything. yeah I I bet you if you take care of. that Visa card in a month and a half. though I mean just eliminate some of. this St your score goes up and your.

approval rates will start to go up as. well you can take care of the Visa and. the loveat card all within eight months. do that and your approvals will open up. and maybe that's when you get the. $20,000. car but that's when we start killing. that. $20,000 the thing is with this income. situation we need to increase your. income. you're either we working another job on. the side or you're just you know so like.

he he takes jobs on the side they're not. like super reliable though well you I'm. talking about you you might need two. jobs you might need a second job or you. need to get a better pain job I do the. rugs for 15 an hour like on the side and. when much you make a. month um well I like on a good week I'll. work like 10 hours of that what about a. normal week a normal week how much do. you make a month and a normal month. please I don't know cuz we just started. like the school year or you're talking. about like the.

rug um it just depends on like how much. I do it a normal month please like three. two okay go get another job go get. another job go get a second job an. evening job stock shelves I don't care. or just go I know this was a job that we. landed because we had to quit the other. job okay work to try to use our. experience build a resume practice. interview skills just try to get a job. even extra five bucks an hour makes big. thing because the fact is this is a. six-year payoff total without even the. student loans this is a five to six year.

payoff plus emergency fund six month. emergency fund and I don't think that's. acceptable for you guys' position we. should be able to pay off some of this. quicker so it's an income thing it's an. income thing and essentially the way I. would do it is it pay off the Visa in. essentially two months and then the love. sack in like six months and then at that. point hopefully some opportunities open. you can sell his car borrow $20,000 tend. to make up the difference and tend to. get a $10,000 car and and whether that's. $220,000 borrowed or two separate. instances of$ 10,000 with a personal. loan and then a car loan okay then we.

pay off that $220,000 the quick as. possible in this instance it takes. literally basically two years to do uh. but hopefully quicker at that point. let's try to get that down to close to. like a year and four months by getting a. better job or a second job and then you. have to pay off the city card after that. the student loans we looking at. potential uh public options public. student loan. forgiveness um and then at that point. you're going for a six-month emergency. fund then we can talk about things like. investing and uh from there cuz we do. need to get you. going but but then we also I guess in.

the post show we'll talk about the. wedding cuz that's like. $330,000 so like need to budget that in. somehow done I'm done I'm so sorry I'm. done I'm sorry I'm done I just I can't. that's just you. can't like we already spent like 10,000. and that might be just a loss listen you. can't afford to get out of debt any. quicker with an emergency fund in six. years you're going to be mid-30s the. dude's going to be in his 40s it's.

like and then you guys are going to be. so far behind in retirement it's like. your future you talked about wanting a. family with a bigger house that's not. even an option that exists you can get a. family but a bigger house it's not even. an option that exists it's with the. thing you're putting your wants in the. wedding it is a want yeah and as much as. it sucks it is spending a budget you. ever spent by like four times a 0 out of. 10. debt I mean you do have collections from.

the medical that you don't know about 0. out of 10 emergency fund there's a. little bit sitting there about a 2 out. of 10 retirement said he has a little. you guys are married combined you have a. little but we're probably barely there. I'm going to give it two out of 10 three. out of 10 let's be generous real estate. paid off. house I what's it worth right now uh. it's worth like three somewhere between. 340 and 350 right now it went up so you. ended up putting a lot more into the. renovations then brought up in value so. I'm going to bring down the score. because of that to.

a seven out of. 10 as you did not hold your you did not. utilize. Renovations in a very good way I mean it. was a gut job. so I know you purchased the home in a. really dumb your Hammer Financial score. is 2.5 out of 10 come with the post show. I'm going to call husband and I guess we. have to talk about a wedding too I'm. going to bring the producers in and see. what information we miss cuz there's. always so much life can't be covered in.

an hour and a half so uh make sure to. join that you can click the link in the. description below check out all the. resources as well including the. different uh resources that I personally. use and the budgeting and investing. program which are now bundled at a 15%. discount see you guys in the post show. today on the financial audit post show. type in his name I want to see if I'm. friends with him on Facebook why isn't. he showing up does he have you blocked. on Instagram as well yeah. oh blocked me on Facebook this let's get. him on the phone now.

hello hi we can't find you on Facebook. did you block me on Facebook oh no to. watch the financial audit post show. click the join button below.