She's Embarrassed By Man-Child Husband | Financial Audit

I've seen you say a lot of the things I. tried to say to him in the past and he. didn't listen to me because he didn't. want to and it makes me feel a bit. better seeing that I'm not crazy I'm not. being the. Beyonce this is Sam 27 from Midlothian. Texas and this is financial audit that. is the city I've never heard of but. that's okay what do you do there for a. living uh I do a combination of. different things actually so I'm both a. voice actor and actor as as well as a.

substitute teacher in order to kind of. help fill in the blanks as as some. people would be aware that acting. doesn't always pay the bills all the. ways yeah especially. in Texas in Midlothian Texas uh it's. about an hour south of. Dallas okay so where are you primarily. doing your acting gigs I'm curious cuz. is there a big film scene there uh not. necessarily there's a lot of small indie. films definitely really uh however. Crunchyroll is has an office based out. of kind of the North Capel area so I.

drive up there quite a bit okay so. that's pretty close to you yeah it's. about an hour do you do work with. crunchy roll yeah yeah no I've done. about 17 different shows uh with a. variety of different characters mainly. just as kind of background characters I. haven't done anything that has a big. name tied what's like your favorite. character you've ever done H that's a. little bit difficult because a lot of my. characters are just kind of background. but uh the most one the one that I enjoy. the most is definitely uh from a Chinese. anime okay uh it's kind of the mascot.

he's got a TV head he actually doesn't. have too many lines he just makes a. bunch of noises uh be the mascot then. for financial auto real quick what would. it sound like uh so so with financial. audit so if if you're looking at. Financial audit what what do you what. type of energy do you like to oh I I. want it to be from your favorite. character oh from my favorite. character oh okay I would not have been. able to know that that was Financial. audit right but I guess if that's what. he does then yeah he just makes a bunch. of gesturing noises as they put it so. are you making good money doing this uh.

it can be whenever going into whenever I. go in because we get paid hourly which. is something a lot of people don't. necessarily know between dubbing. animation versus doing uh English. characters and say something like the. Powerpuff Girls or something like that. you can have some better contracts uh. being an English voice actor doing that. versus working in dubbing because you. get paid hourly yeah so I have a. two-hour minimum and yeah the hourly is. pretty good but you only get paid when. you go in so how often you go in uh. right now maybe I average about once.

every other week how much how many hours. every other week uh it's so two hour. minimum so if I go in for 45 minutes I. get paid for two hours so it's it's. within that 2hour minimum so sometimes. it's yeah but like average how many. hours are you getting paid for on. average every every other week that. you're going in uh so I get paid for the. two hours two hours flat yeah so you. never go above uh I have not been in for. more than two hours how much are you. paid for those two hours then uh I get. paid 126 for those two hours oh really.

hoping you're going to say per hour uh. no I wish it was per hour wish it was. per hour wait. but I mean wait you said 126 252 a month. uh and yeah if it's a so you're not. living off of that no definitely not. okay it really sounded like you did a. bit more for a. bit okay well you said you do something. else as well right oh substitute teacher. yeah I also subtit why substitute oh. allows me to be flexible wait don't you.

have a master's degree if I'm not. mistaken I do sometimes unfortunately uh. just the way that the economy works. sometimes is it just doesn't pan out. well that just sounds like we've given. up if if we just immediately go and be. the. economy yeah uh yeah there and there's. been some heavy Tech layoffs last year. and then early this year so far yeah. yeah no what was your Masters in uh my. masters was in general agriculture so. there's.

it's one of those things where people. like oh you could go in the oil field. it's like yeah it pays good but. unfortunately I got injured quite a bit. ago so Str I have nerve damage in my. right arm so I was actually going to. play I was going to play professional. baseball as the hope so you're moving. there right now what what what's the. nature of your disability then if you. could explain to us so it's closer. to the severity would be I guess similar. to cpal tunnel in a way uh but what. happens is if I have a lot of strenuous. activity.

um I can have debilitating pain in my. right. arm man okay so it's not the economy in. your case it's. more pain if you do a phys some physical. labor yeah if it comes to physical labor. because you know what was your bachelor. in uh natural resource management. conservation biology and soil erosion. prevention control okay so it sounds. like you should be out there in West. Texas uh yeah no that's where I went to. school out in West Texas yeah the middle. of nowhere uh but.

which is where you'd make some money. what about what about uh I mean I'm sure. it's uh a much smaller percentage of the. overall Market but there has to be some. desk jobs in that in that economic. sector there's there's a few that come. up um unfortunately what happens a lot. of the time at least the stuff that I've. been able to find is once you kind of. get into that position you can kind of. do it forever so there's not as many. positions that open up some sure but. have you applied to any I've applied for. a few I applied for a few right whenever.

I graduated out and which was whenever I. graduated my bachelor I would have been. turning so that would have been 2018. okay so you haven't done much to try to. get that to be clear to work into that. field I did a bit whenever I first going. going in but as recently no because 2018. was a hot second too yeah no six years. is kind of a hot second okay so you want. to be substitute teaching I mean there's. people we it's obviously something. that's very necessary but I just want to. make sure it's something you want to do. doesn't have anything to do with your.

degree doesn't have anything to do with. the voice acting which might be the. passion why are we substitute teaching. it allows me to be uh flexible within. you know the voice acting and acting. it's one of those things a lot of other. jobs could be flexible too is teaching. something you like uh periodically but. not as much really it's it's something. that is kind of helped pay the bills. make sure I have some income coming in. but it's not something that's a full-on. desire as what do you bringing in. through that uh you know I can bring in. uh whenever I'm actually doing it. probably.

you know I could do easily 2 to 3,000 a. month on average is what you do you said. you could do what do you bring in on. average uh probably about 1,200 I don't. know if you'd have there why if you can. do up to 3,000 why why 1,200 uh it's. just whenever I'm doing voice acting and. stuff like that it kind of splits. between the two yeah we make $252 a. month voice acting so I don't think. that's made up that additional $1,700. $1,800 that you lost there no Okay so. why so you said you said two hours every.

other week that's not preventing you. from doing two hours every other week. two hours every other week every single. person in the world can find two hours. every other week it's more so a passion. at this point like I I just way a. passion to not substitute teach a. passion to keep trying to push for the. voice acting yeah but why no. more hour okay well first of all you got. 126 from country rooll yeah and the. substitute teacher pay that you got and. the checking account that we look looked. that $314 mhm yep it's a little.

different than the $1,200 and very. different than the $3,000 that could. come in why is this so different well uh. that just month didn't pan out as well. why well L people were getting sick well. L people getting sick and just I didn't. do as much that day I mean that month. why that one I don't have a good. explanation for that was on come on that. month was going on yeah what happened in. your life where you just did didn't you. just didn't do it we we're just relaxing.

we we sitting back and just chips on the. couch which I'm all about do it yeah. it's crazy but like was that the why I. wouldn't say I wouldn't say as much. sitting back and relaxing on that one if. it's you know there's some months where. you can't do as much as a substitute. teacher where they just don't have as. many so you're saying it was a can't uh. possibly possibly how do you not know. bad memory within like a week within. maybe a. month if you're parent you know that.

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not as good as it could be do you care. care about your finances definitely I. mean I don't want to be out on the. street it's like money makes the world. go around it's it's not one of those. things where I want to be living high. off the hog but uh definitely I think. there's a middle ground there yeah. there's definitely a middle ground. what's your living situation currently. unfortunately in living situation I'm. still with my family uh my family has. been very gracious I have you know some. setups with them to where you know help. with a lot of the manual labor as my.

parents are older how old are they uh so. my father just turned 65 uh but he can't. do a whole lot of getting up and down uh. and my mother uh has some other health. issues be honest with me though are you. living with them to help them are you. living with them because you cannot. afford to live on your own uh both it's. it's more so there was it started with. some necessity cuz I was unemployed for. about a year why uh so what happened was. about let's see about two years ago uh I.

was working for a greenhouse job um you. know paid paid all right you know could. have been better but I was working with. them and then they decided to start. cutting costs and so why didn't you get. another job two years ago the job Marco. was the strongest that's like almost. ever been in the history of this country. yeah I was doing some other jobs here. and there just to kind of you know keep. the flow keep the flow moving I didn't I. don't like sitting and doing nothing um. so bur $1,000 last month yeah no that. one that was a bad month um so I don't.

like in sitting doing nothing so I'm. always trying to do at least some stuff. in order to make sure I have some income. coming in but uh you know it's never. been something I want to do for the rest. of my life okay so what's our goal right. now what are you here for uh well my. goal right now uh one is just help maybe. get a little bit of your expertise just. to kind of help Point some things in the. right direction maybe things that I need. to look at but um also.

just uh hopefully move into at least a. job that I'm okay doing because it's one. of those things where I understand that. I can't necessarily just beg for a job. anywhere but also you know at least just. something. to just that I'm okay doing can you live. somewhere else though that's if if if. the primary reason we're at the place is. to take care of the. par can you live somewhere else cuz I'm. not sure job opportunity in terms of.

competitiveness is going to be in that. small town yeah it's it's one of these. it's one of these things where I'm close. enough to Dallas where I can commute. ideally I would like to stay in the DFW. area but it's especially this year fine. yeah especially this year though uh I'm. I've started to kind of wake up to a lot. of maybe my own personal issues how so. like what uh you know just maybe not. applying for as many jobs as I should be. like I usually try to you know be. applying for at least one or two a day.

rookie numbers yeah rookie numbers um. and so you know I've started doing some. more started looking at my own personal. spending habits and stuff like that to. try to at least better myself kind of. what have you discovered uh you know. maybe a little too much eating out um uh. it's basically all of your spending. that's been most of most of the spending. um and so just looking at that other. places that maybe I can cut costs uh I. have a few subscriptions I know I have. to make sure I get rid of those reduce. those down as possible I mainly use them.

for research for voice acting but those. at this point can go go out so your goal. is to find a career path and like live. on your own that would be great oh I. mean I would love to i' I've wanted to I. had you know I had a decent amount saved. up before I got laid off yeah I had. about probably three years ago though. yeah I had probably about 10 12 Grand. saved up to you know move out and I had. an okay paying job that would have been.

able to keep me going but unfortunately. would you move out now if we could if if. the income situation worked out I'm just. trying to figure out how much of an. anchor this this parent thing is no it's. if I could move out today I totally. would my parents would be happy if I did. as well because they want the best okay. so to be clear then in a roundabout way. we answered my question 10 questions ago. you're living at home because you can't. afford to live anywhere pretty much okay. you're not living at home to take care. of them you're living at home home. because you cannot afford anything yeah.

and to be very clear I mean the P the. puzzles coming together you brought on. $1,000 last month you were choosing not. to pick up shift sometimes. you you said you were you said you were. prioritizing the voice acting which I'm. down with if it makes money yeah yeah. yeah know for being honest I mean I. would so you're choosing this whole life. that you are living right now there is. not a lot being forced upon you we have. gotten around I've been able to get you.

there through some other questions but. you've essentially said through your. different answers you choosing not to. bring in the income you're living uh. bringing in you're choosing not to live. on your own you were living off of your. parents at 27 yeah no I mean I'm I'm not. going to argue in that point but in the. sense of that I'm fully choosing it I. wouldn't say that it's 100% exactly my. choice okay well your question suggested. it was so what would not be your choice. I mean my choice is that you know the. level of you know jobs that I have. applied for and still not hearing back.

it's the welcome to applying to jobs you. apply to two a day if we're looking for. a job we're applying to jobs like it's a. full-time job we're just we're slamming. those bad boys out on LinkedIn we're. like boom apply boom apply boom apply. that was three cool that's what you did. before breakfast then we're replying. through breakfast and we're this is. crazy crazy if you're what's your what's. your hourly per teacher my hourly per. teacher uh so they don't give me an. hourly but daily it's 135 135 135 135. Okay cool so you worked three days you.

worked three days last month three days. cool that leaves us and then it looked. like you worked one day a voice actor. cool and then you had some zel money. come in where' that come in from uh so. different things so I also do. high-profile character acting um so that. is individuals who dress up as. characters whether they be established. characters or a kind of loose Blank. Slate yeah so you know people who dress. F uh no so they're for private events.

and parties so who you dress up as uh so. around Christmas time so in December. whenever there's not as many teaching. jobs I have you know I I'm the Grinch. for different things but I've also done. stuff on Jim Carry version yes more of a. Jim Carrey style go on oh well just at. events people people contact my I I. would like to hear oh you would like to. hear uh so well are you sure you want to. hear Sher I mean I don't know if you've. quite been nice enough for an individual.

party or. entertainment but I know I am fabulous. so yes yes honor me I guess I can reg. you just a bit fine that's funny that's. pretty good that's pretty good you could. H your parents by working more but uh. yes it's pretty good it's pretty good uh. I think with the whole and. everything that' be pretty cool yes no. it's it's a full makeup in regalia that. we take care of so you did that once uh. I believe in December whenever it came.

in with what you have yes it it would. have showed yes that would have been. once uh okay so I have a total of five. days working cool so we had what is. there there's uh 31 days there so 26. days we had 26 days to apply for jobs. like it's a full-time job MH we worked. four or five five five days five days. out of 31 days mhm yeah I'm not just I'm. not just saying W I did not hear back. from jobs because I applied to two a day. I'm sorry I mean I I I want to be.

sympathetic there are things to be. sympathetic about always but I just got. to immediately when you're coming in. here and you want to just lay that down. as like a sympathy play or um or you. actually think that's like your reality. and why you're not getting head I need. to stomp that out. immediately I need to make sure that's. not even close to true this has way more. of your control on it than you are. allowing yourself then you are. vocalizing saying I'm not hearing back. but you're only applying to two jobs a.

day when you worked 5% of the month 10%. of the month come on that's like that's. right yeah Okay cool so we got there. again. roundabout let's look at some of your. statements let's see what's going on. here so this is interesting this a. different situation than we normally. have on the show you get appreciate you. pay off your credit cards yes which okay. it's you're not a financial disaster. faster no but you're someone who doesn't.

want to live at home at 27 but lives at. home and is the dependent on mommy and. daddy which I'm sure lovely people it's. great yes and it's okay uh supporting. people that are falling on Hard Times. too but it's like been there for a. second yeah that's uh you. know not so $330 spent makes me a little. nervous because that immediately becomes. the 30 ofe paycheck that came in last. month across everything oh where did it. all go and instead of saving up for a. future apartment where did it go where.

did it go yeah there's not a single item. on here that's not every single thing is. highlighted. bull Source elements hopefully that's. for The Voice better for the voice Sonic. driving definitely not for the voice. Sonic Drive-In an apple uh purchase of. some kind subscription some ticket. summer for. $46 ant Ton's meat and eat free play. Arcade certainly wasn't free it was. 12298 and then you did it again so. definitely not free Taco Casa son. Drive-In FUNimation production is.

probably one of those subscriptions that. you're using to stuty uh free played. arcade uhuh certainly not Apple Bill. Apple Bill and more Sonic driving first. of all you're picking like the worst. fast food place out of all the fast food. places that exist in the fast food world. so there was no charged interest this. year or no fees so far so that's okay. this is going to be a spending issue not. a major debt issue yes. that oh the world's against me oh I. can't can't get another I can't move out.

cuz I'm not making enough o because. people aren't applying people are not. accepting me and doing interviews and. stuff like that dude you just went and. spent a third a third of your income a. third of your income going out to eat we. got to take some. responsibility yeah no I mean with with. information right there I can't can't. really argue with that one no you can't. I would have Freak thought if you. did okay and then here's the remaining. of your income spent $619.

a vacation package a vacation package. how are you going on vacation if you. can't afford to live somewhere what kind. of vacation are you going on that one is. more so using the benefit within the. card uh so that one is actually going to. be refunded uh whenever doing it because. I recently got so I recently got engaged. so with congratulations yeah so with the. with the program on that card there uh. whenever yeah whenever you apply with. whenever you apply with that card uh. they basically give you the vacation.

package and of course you know the way. that they make their money is they hold. the money they invest it whatever and. then once you go in you listen to their. Spiel they refund the money back to you. oh jeez time share thing yep are you. going on vacation uh it within within. the next year yes so uh it'll probably. be down to one of their one of their. packages so it'll probably be down to. Galveston fun fact you're going to go. spend money while you're there you're. going to go out to eat more you're going. to get trinkets yep buddy I would try to.

go on vacation for my family's house in. terms of living somewhere else mhm. having a have you ever moved out uh yes. I did okay whenever I was whenever I was. at school you paid someone for task on. task rabbit unless that's a subscription. to tax rber for you to do tasks that one. I actually didn't know about you don't. have much money to not know where a $25. purchase is going Earth Stones Earth. thones Earth Tones tones tones gosh.

In-N-Out I mean disgusting breaking Brew. Cotton. Patch Andy's Frozen Custard to carry. Japanese Chick-fil-A Chick-fil-A Andy. Frozen and Panda. Express that's all bull there's a little. bit of gas in here but other than that. it was Bull and that's all of our money. now you're engaged this changes that. this drastically changes. what's okay student alans right. okay we have now this is your only debt.

if I'm not mistaken correct correct it. is my only debt everything else is paid. off. 8,464 this this is a provider of federal. student loans is this federal student. loans uh yes but you know with the. federal student loans they didn't sell. it off to another company um well this. is just who's essentially managing it in. a way that's kind of how you can look at. it in the most simplistic form what's. the minimum monthly payment minimum. monthly payment uh I actually don't. remember that cuz I always pay a little. bit more so I believe I'm.

paying. 105 I believe it's 105 why are you. paying more uh just to make sure that. that interest that outrageous interest. that they have on it is not what is the. outrageous interest I do not see uh so I. believe it is. 14.5% these are not federal student. loans this is a private student loan. yeah well at least that's the percentage. of it it's been been that I signed it. whenever I was you know 18 didn't quite. understand it and yeah this is basically.

like a Sally May bull moila haven't seen. them but I've heard of them hasn't been. anyone on the show with them though. basically one of Sally. May's heads sticking out 15 14%. somewhere around there yeah that is not. federal student loan you're right this. could be sold off and transferred some. RS okay Chas. $647 and 10 you barely have any cost but. even still it's like that's a little low.

and it's is going to payt off cards. right oh yeah and making. payments yeah what's your car uh my car. are you just talking about the your. vehicle vroom vroom yeah uh it's a. 200 it's a. 2015 Nissan Sentra and it's paid off yes. completely paid off how many. miles5 just went over 100,000 dude. Transmissions man mhm my friend has a. very similar car. Nissan right around that year and I had.

one as well mhm yeah no I just I just. paid a few months about six months ago I. believe at this point I just paid $2,000. to have some major work done on it. because it was having issues so we. probably need a car fund going on. because I I don't have confidence in. that you have savings anywhere or. retirement anywhere uh directly standard. no however what the does that mean um I. have a interesting collection that I've. slowly been you know over many years as.

being a child uh I had an old video game. collection and so you know I've been. looking at so you do not have retirement. or savings uh no well I have I have a I. have a 401k through uh through a company. how much uh it's not worth mentioning. how much last time I checked I think it. only had maybe1 15200 that had been put. into it cuz that was with the company. that fired $100 that was with the. company that or they didn't fire me they. had to let me go because they were.

cutting costs is so they said if we're. living at home as an adult we're at. least investing hopefully thousands of. dollars a month because your needs are. basically nothing yeah if I was making. hundred if I was making thousands of. which you could you. could it's always harder easier said. than done to go get a job but you're. doing nothing and even for the jobs you. have you're choosing not to work as much. as you could you could you're choosing. not to from everything you said and. every answer I've been able to get out. of you you could yeah okay so with this.

engagement situation how does the. overall Financial picture look we just. got engaged uh relative about when's the. marriage uh where well we're pushing it. back at the moment why uh both my. financial situation and my fiance oh. yeah how much income's coming on the. other side uh I'm not 100% sure what. hers is you guys haven't talked we've. talked we've talked a little bit um but. yeah we need to talk a lot of bit uh. finances are the number one cause of. divorce in this country MH that's not.

something we go dry into man no no we're. spitting up that conversation this is. you can't just raw dog marriage man no. no I'm saying that as a professional in. marriage who's never gotten. married but financial statistics you. know we get with divorce and stuff like. that and you should at least know how. much the other person makes and how much. do you know how much debt they have uh. they have no debt okay so it's just.

another spending issue type thing do. they what's their living situation uh. they're also with their family the. moment oh me every way whatsoever how'd. you guys find each other uh we actually. found each other through a basement.com. not quite basement Sor I mean if we want. to put it like that I mean I guess it's. what uh ATT addict.com no um no uh. through some mutro friends oh that's. cute that's always fun I always told my. friends go go find me some dates they're.

like the only people we know are our own. friends that I'm already friends with so. it's just like it never. happened but that's cool good good good. for you guys I'm I'm happy you guys are. engaged not thrilled that both of you. live at home what's the age of this. other person 23 okay it's more. reasonable cuz you know mve in a little. bit after college or you're getting your. feet settled and stuff like that and. again I really don't have an issue with. staying at home you know it's more. Western culture to just kind of move out. and especially American it's just like.

get up but it's like you said you want. to move out but I was choosing not to. because you're choosing not to work so. it's just like H how long is how many. times has this marriage been delay when. you when were you guys supposed to be. married uh we were originally planning. on you know February March oh yeah when. is it delayed to now uh probably middle. of the year maybe July is so is it like. paying for the wedding is that the main. issue uh yeah well you're never going to. be able to not like this I mean worse. than ever in terms of your spending in. terms of having money you're not.

drowning in debt by any means I mean. that the private student loans is death. Insanity kill me but um it's not. like this doesn't magically change with. the way you're going down and being able. to pay for the wedding unless she's. doing something unless parents are. stepping in of some kind which I assume. not from this conversation why don't you. guys just go to the courthouse get. married save up some money have actually. we've actually been thinking about that. um do that and then you can have a. celebration at some point maybe a year. later or something yeah no it's we've. actually talked about that and have. thought about that as as a path because.

we've just been looking at prices of. venues and everything else and it's just. already insane itself even though you're. a pleasant person and you put yourself. uh well on display and you are you know. I might get some hate for being a little. rude in this episode I'm just really. trying to get some things across. um uh none of this is going to change. none of those goals are going to be hit. unless you stop being victim the world. is against you and two you actually get. some work ethic mhm and like go grind to. get some money whether or not it's your.

dream perfect job yeah is that something. you're willing to change you haven't. done it yet that was that's been what. I've been trying to work on this new. year it's and you know I'm in the dark. whenever it comes to a lot of that so. that's actually one of the reasons I. whenever I got contacted about coming on. here with you it's like oh maybe he can. you know help push me in the right. direction whether it be whether it be in. a nice way or well I do the tough love. approach here tough tough love that's. how I like to be presented so that's how. I present it. spending 1,54 when 1,118 came in yeah of.

the money that was spent only 10% went. towards debt payments that was your. student loans uh 6.1% went to like gas. um subscriptions was 4% going out to eat. was 37% I didn't see groceries where was. the groceries do you get. groceries uh I personally don't know you. don't know if you get groceries no I. personally don't oh my gosh I was about. to. lose everything. I'd have a lot more problems if I. couldn't remember going to the grocery.

store and 33% goes to like miscellaneous. Taquito crap that doesn't matter and. doesn't help anything ever what about. car insurance car insurance uh right now. that is being transferred over we had an. issue with the insurance wanting to. change percentages whenever it was being. transferred over for my parents so. that's you know just part of the extra. stuff that I do at home and so how could. you afford that if that ones that gets. transferred to you how are you possibly. affording that with the no money that. you have extra oh well that that's why. it hasn't been fully transferred over to. me yet um just because your parents are.

enabling you they're enabling you not. getting your like adult life together. not being a big boy you're kind of I. mean you're being a no no no I don't I. don't I don't sorry I don't want to be. be mean I'm just trying to get the point. across you mean uh spoiled just you're. just being kind of a child in terms not. how you're presenting yourself you're. presenting yourself very well and I I. very much like you as a person like I me. you're very pleasant but in terms of. Your Action surrounding your income.

spending and everything like that. they're enabling you you're going out to. you have no money left over you're not. even coming close to being able to save. up for a wedding saveing up get out to. eat saveing up for getting a car if you. go you don't spend you don't even spend. a single scent on groceries groceries. bread not even a single. scent so. so they are by taking care of all these. extra bills and allowing you to just. stay. there they're just enabling the F out of. you. enabling the you it's interesting I.

watched a documentary on it and I've. actually had some conversations with. people who live in Italy a lot of what. you're doing right now is happening a. lot especially in southern Italy there's. a lot more poverty in a hard economic. system situation there a lot of people. they just stay home forever almost. instead of like they don't even they're. like not even applying for jobs as much. now again it is much harder there I. promise I can get you a job there it is. harder but it's like it's interesting. it's full. I wish I could speak better on it but I.

I watched the documentary on it's very. interesting it's um or YouTube video. mini documentary whatever just it's full. of use yeah and it's dramatically. hurting their economy because people are. just not entering the workforce and. grinding and Building Things whether. there's a lack of incentives within the. economic structure there whatever but. it's just everyone's just doing what. you're doing and they're being enabled. by their parents I don't want that to be. you man I don't want that to be you. but you you have no there's nothing.

that's like pushing you what's pushing. you what do you care about where do you. see yourself where do you want to be. what's going to push you you know that. is an amazing question I've been looking. at that and it's you know I used to. thought I wanted to be a professional. baseball player and I got hurt thought I. wanted to do something in the natural. resources fields and then that didn't. pan out whenever I graduated and so well. we applied for a few jobs so yeah and. then didn't know and now it's just. slowly devolved into where I'm at today.

I think you've uh given up give not not. in a necessarily completely lazy way but. just so many things haven't worked that. we've just. like this is our life things haven't. worked out why try you know maybe it's. like I tell my myself one thing but you. know it's it's almost like maybe I'm one. of those people that just doesn't. understand the issue that he's put. himself in and needs to be you know. pushed out people have requested that I. do a live Q&A for a while now and I'm.

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okay yeah I. mean I want to find something that. drives you man something that just we. can get just a fire lit under your so. that you want to go make money so you. want to go do something obviously what. is a big proponent of this again right. now a big a big aspect of this is you. are being enabled if you were forced to. live you would live if you were forced. to work you would work right now. everything's being taken care of and you. you there's no drive under you and. that's just simply shown in the numbers. that's not me being rude that's just.

simply shown in the numbers uh just very. basic math you have one obligation two. obligations the student loan minimum. monthly payment and gas other than that. you're just coasting nothing else you. got to do what are you doing for health. insurance uh health insurance right now. because of the amount of income that. I've made it's still the 0% whatever. through the government but you're. choosing not to make oh that's weird. I I want to always support people that.

can't make ends me but you can you're. choosing not to oh that's such a oh. that's such a cognitive dissonance in my. brain because I I never want to see. someone die but you're literally just. choosing not to can be I mean that's. that's the whole point of this new year. it's I I guarantee you you know you tell. me this even maybe a month ago I would. have been tooth and nail at your throat. maybe like no no. but you know just what has changed the.

fact that it's a new year or what else. no I it's the fact of I think it's hit. close to that original date that I. wanted to get married oh wait you had a. date in your mind before you even met. anyone we we we had known each other for. a little bit before so we moved into. engagement pretty quickly and we you. know we thought sometime in February. yeah and then I think now after the New. Year getting so close to that first date. it just finally it started to click at. least in that it's like you know there's.

more you can do at. least and so yeah maybe a month or two. ago I would have been that that person. sitting back here thinking I'm against. the world like it's just the world. that's put me in this maybe trash. location no but you know I've talked to. my parents especially recently it's like. look I love you but I personally at. least want to get out it's like and. they're probably. like probably you know I love them love.

them they're they they tell me it's like. oh yeah it's like we would love you to. get out but at the same time it's like. like you said I'm 27 I'm pushing 30 like. easy. easy we're not all that close to 30 I'm. I'm push I'm pushing the hump it's going. to be faster it's going to be here. faster I'm not turning 29 next month and. wanting to kill myself from that no. that's not happening no so it's it's. coming to that first date that's just. kind of clicked it's just like like you.

said there's more that I can do at least. to put myself in a better position than. I am now and that's why it's not. necessarily given up on a lot of the. dreams but definitely gotten to that. point where you have to do something. even if it's just you know maybe working. as a janitor somewhere yeah at least. until that dream can be made because. voice acting is not going to go anywhere. even with all this AI stuff that's well.

not necessarily but I definitely don't. ever want anyone to give up on their. dreams oh no but I want to be realistic. and also Tak care taken care of exactly. exactly and like you said like the. numbers don't lie like you you can be. the nicest person here you can be the. meanest person here but it's like like. you said the numbers don't lie it shows. that I have a lot more space to improve. personally that I've put myself here I. think for the remaining of this. conversation for the future this. conversation to get somewhere we need to.

turn this into a. three-way oh maybe I don't know if she's. into that you want to come on so come on. what's your what's your name uh my name. is pen I'm Sam's fiance pen wonderful I. know uh there's a bit of he may have. said a couple things incorrect if he. wanted to. address first off I am not 23 I'm. 24 uh I. currently yeah. I currently make 15 per hour working.

from home on average I work about 30. hours a week well she's killing you in. the job part yep no she is what are you. doing uh I am training. AI really in what way like you're just. talking to a chat box all day um I'm. teaching AI to not tell people how to. make pipe bombs you. know interesting basically saying hey if. someone asked for this maybe you should. shouldn't give them the information why. is this the job you're doing cuz it's.

only $23,400 a year so together we're. making a. whopping like $35,000 a year because I. am currently trying to save for a ton of. dental. work I'm I'm living with my family. because my mom has rheumatoid arthritis. and FIB you cannot move out not yet so. what are you guys going to do um I'm. currently trying work with my younger. siblings to teach them better how to do.

stuff around the house it's me they're. going to want to move out too though. aren't they sounds like this well this. person will need extra help maybe in. home not the youngest the youngest can't. move out on her own I'm not going to. disclose why then is she able to take. care of this person yes your parents. okay she'll be able to my mom can move. around on her own for right now and when. she wasn't able to she had crutches she. had a little scooter. she'll be okay moving around on her own. it's just taking care of everyday.

household chores and my dad's home too. so what's all what's in your s what's in. your. savings currently nothing because I went. through a I went through a stint of. unemployment and I had to pay for things. around the house I had to pay for car. insurance you landed though you actually. are bringing in money you've chosen to. go get a job mhm you could be doing this. mhm you've chosen not to you've 've been. in the that corner uh in our little. guest area uh guest of the guest.

area what have you thought of this. conversation so far in terms of his. money in terms of his lack of. effort I've seen you say a lot of the. things I tried to say to him in the past. and he didn't listen to me because he. didn't want. to and it makes me feel a bit better. seeing that I'm not crazy I'm not being. the Beyonce. you know it it makes me feel better. knowing someone else is seeing the issue.

too because there have been so many. times when I'm like well why don't you. take these long substituting jobs that. are like 11 13 days. and I don't even remember the reasons. you've given me in the past it's been. something or another do you see him. being just a lazy person in terms of. work in terms of work specifically not. all throughout life but in terms of. working and bringing in bringing in that. incomes uh does a lot of auditioning for. jobs but I don't see him going into a.

lot of jobs okay there have been a ton. of jobs where there have been really. competitive markets they tried to do. voice acting for sure and he just didn't. get it which that's fair if we're in. that industry we're trying to audition. but in terms of going and actually just. making some money more money when we. know that's not working haven't seen it. a little bit and we've had conversations. about. that why haven't you given she's brought. it up like you guys are building a. future together MH why would you listen.

to her at all when she's obviously right. it's exactly what I've said so why. haven't you cared about what she said. when she's brought up reasonable points. that hey dude you need to go make some. big boy money so we can actually start. saving for anything at some point how. are you guys going to get a place on. your own zero, savings across the board. he brings in no money how are you guys. going to have health insurance how are. you guys like what what's the plan here. what happens when his car breaks then. it's like you use her car like what are. we.

doing why have you not listened to her. yeah no and I don't have a I don't have. a good excuse for that one like I don't. I'm not going to try to fish for. anything either okay you don't have a. why though because I want to be able to. combat it in the future when it pops up. if you don't have a why what's going to. prevent that from popping up in the. future yeah I I don't think I have a. good why right now like y'all this is. the time to switch to my favorite high. yield savings account with s you can get. 4.6% on your money I hate when my money. is just losing value so make sure you're. keeping up with inflation at the very.

least you can also get FDIC insurance on. that money up to $2 million with them. plus they'll give you money up to $300. when you set up an account with them. there's even extra perks like being able. to get paid a couple days early Sofi is. what I use when I'm setting money aside. and it is the banking app of the future. sign up link in the description below I. always want my money to be making more. money so don't lose money on yours why. do you think he has. listened uh. stubbornness ego he's a guy oh I try to.

listen I try to. listen well she she shook her head yes. no offense to you but he's machismo he's. yeah a GU guy he tries to be a guy's guy. noodle but I don't know about a guy guy. like look at look never heard someone. call the noodle I mean I mean I don't. have much on my. bones but it I I just I think he hasn't. listened. because it hurts to know that you could.

do better but not fully understand how. and money is a hard conversation so he. didn't know how much you were. making how much do you guys know about. each other's personal finances before. this conversation how aligned are we. I've known quite a bit about his. finances yeah. um he does doesn't know quite as much. because it just I don't really ever.

think to talk about it it's not. something I it occurs to me to talk. about I have tried to Wrangle him into. getting more involved in the wedding. planning process like hey if you want to. do this if we want to do this you need. to start doing this and I'm going to. start doing this and it's all sorts of. different things yeah but it's it's. definitely a hard conversation to have I. have tried to have the conversation in. the past it doesn't really. get anywhere so I'm hoping this is a. good Kickstarter to talking more about.

it more frequently have the finances. strain the. relationship I wouldn't say that really. maybe because we're not living together. we don't have shared bills we don't have. shared responsibilities yet but what's. going to happen when we do when we're. trying to pay rent and one person's not. helping the household trying to get. groceries when person's not helping the. household trying to pay for a kid when. person's not helping the household let's. we I personally don't plan on having. kids an example though what what are we.

going to do though when one person's not. contributing to the household it's going. to put a strain on the relationship. that's that's again the leading cause. for separation but that's not what I I. want I want to see I want to see you. guys going. forever don't before we get into it we. need to sit down probably at least once. a month at this point just talk about. our finances our goals what's it going. to take for us to get to the goals that. we're trying to do and see if we're. aligned on them you guys need to be. aligned if we're not aligned going into.

this. marriage MH that's a scary. thing what can we do to get this man out. there working what can we do I don't. know what do you think we could do to. get you to get off your and start going. and substituting more often or doing. something well I've already started. doing that with the start of the new. semester now you. know cuz cuz School SCH school's just. started back up he did substitute I.

think like 3 days last week which is. more often than he did last month yeah. he did three days in the. month it is more often it's in my. defense for this one school just did. start back up yeah and typically there. is an actual thing where teachers aren't. really allowed to take off the first. week before or after a school break it's. kind of like a no no so. yeah being a for the flu is the flu.

being a former educator I'm a bit more. aware of this um child care I started. when I was 19. because I needed to be at home so I. could help my my mom around so I could. help with the house so I stopped going. to school and I started working as an. educator I stopped doing it because the. state of education is really rough and.

it. was. really hard on me emotionally and. mentally that's so what's our goals as a. couple what are we looking at a year. from now where are we financially. speaking live where are we in our lives. what are we. doing a year from now I would like to be. living in a modest apartment hopefully. like 1,00 a month which is modest. surprisingly nowadays which to be clear. is not even close to possible today not.

even Beyond close so a year from now. that scares me but go ahead continue um. married I'm think I have fullon resigned. myself to just going to the courthouse. being like Hey we're married we signed a. piece of paper yes you're done for it do. it and do a celebration later or. something that was like the initial plan. and then my parents were like you can't. do that you need to have a sah. ceremony because the ceremony isn't.

about you it's about your. family and they said they would help pay. I think to get us roped in and then once. I was like okay they they said no we're. not going to help so I was like cool. back to the drawing board back to a. courthouse wedding dud stop at the. courthouse on the way home like I don't. even care like just who cares I mean I. get it if you want to have a big wedding. you want to have a big wedding but you. it doesn't seem like you guys care so. it's just like do it right do whatever. you guys want to do it's you it's you. people it's you but I've actually been.

working on getting a job with the post. office cuz it pays like 26 an hour and. good and they're delivering things and. they need way more people in the office. anyway so please hire you like we need. more people my goodness oh my gosh. actually the person who delivers to my. house is awesome he's really cool but. either way uh okay married modest. apartment working at the at the post. office hopefully issue is it would take.

me relocating and I don't have any money. to relocate at the moment okay uh they. wouldn't cover relocation cost probably. not starting positions no um which is. fine um what are your costs though what. what you bring in $25,000 a year what. are your costs right now uh right now I. have car insurance um I'm paying for. groceries at home for. everyone what's wrong with. Dad Dad. works as a manager at a fast food.

restaurant so that's not a lot of money. it should be more than $255,000 a year. though should. be what fast food restaurant a Chicken. Express I can't speak for that I've. never looked into their numbers um as. far as I know I'm making just a little. bit less than he is I think he's only. making 17 an hour and they have such. good biscuits there it's wild I know. um and my dad's like oh they're too. dry what are you talking about anyways.

like it's it's that's interesting I. wonder why he's making Sol little as a. manager is it like an assistant manager. is this a general manager like what what. are we doing here he is now assistant. general manager I'd need to look into. that little I I would want to I would. want to look into his position now it. might be a small town thing cuz you guys. are in a small town I'm actually in a. smaller town than he is well that speaks. even to it even more mhm but I mean 15. bucks an hour 40 hours a week and he.

should because I mean this is not it's. not Austin to be clear but you can't. basically get a job that's below $15 an. hour in Austin like starting now Small. Time completely different situation but. all I'm saying is if he's at $15 an hour. 40 hours a week uh that's $31,200 a year. like I I feel like he should be making. closer to 40 but either way either way. it doesn't matter I've never looked into. their numbers I can't speak on. uneducated Le so it doesn't matter what. are you guys' goal five years where do.

you see. yourselves five years o h this is we got. to talk about and think about what we're. getting into this without goals we're. getting into this without being aligned. on things five years I'm hoping to get. my commission art business off the. ground hopefully with an actual studio. somewhere okay this completely different. um yeah like do the post office saying. parttime do my artart part time I'm. actually hoping to find a substantial. job sometime in the future where I can.

we don't hope to find we don't hope to. find we go get we go get we don't hope. to find I will go get a job that will. allow me to also Chase my passion can he. work for the job you're doing right. now no. okay uh go to McDonald's dude they. desperate hire people will not work the. evening shifts there you got nothing. going on mhm you got nothing going on he.

has nothing going on right as far as I. know he's got nothing going on buddy go. make money like okay okay okay well. either way getting into an apartment. within a year it's going to be a tough. task you need to go make money now let's. go get married let's combine our. accounts what scares me drastically. you're a little younger so you have more. of an. excuse retirement. man you guys do not want to be in a. marriage situation where I know way too.

many people unfortunately even just in. my own life who are just that that older. age where they can barely even work. anymore and they can't retire they. literally can't they can't afford not to. work CU Social Security is not. enough I don't want you guys to be in. that situation right now is when you. choose not to be later but you have to. choose now you can't choose to be able. to be in a good position to retire at. retirement you have to choose now. but you guys aren't even close in close. to a position where there's any.

semblance of retirement you guys can't. even move out of your own houses right. now yours is a little less of a choice. yours is beyond very much a choice okay. so yeah what I would do is I tie the. night T not listen to her she says get a. job you're not being an adult go get a. job you me to yell at him let me know. okay but you need to go get a job yes uh. you probably need to get a better job. and that's the point yeah everything's. always easier said than done but there. are jobs out there and we have to you.

know we have to work on interview skills. we need to work on resume skills but do. that tie the knot get an apartment. together hopefully in the next year or. two teach your siblings how to take care. of the. parents and we need to start. contributing to retirement your student. loans I'd pay off as quick as you. absolutely can I'd actually prioritize. that over even moving out so I try to. get as much money as you can now pay off. the student loans you don't want to. bring a 14% debt to her that's not fair. no do you have any debt no that's. incredible get a six-month emergency.

fund before you move out pay off that. debt get a six-month emergency fund. before you pay out moving together tie. the. knot uh and start contributing 20% on a. monthly basis to retirement keep your. household needs 50% or less of your. income 30% can go to fund as long as. you're hitting that 20% in retirement. that's the minimum that's number one. responsibility your needs we try to keep. it around 50 if it's a little more then. your needs are a little less we don't. cut down on. retirement but if your needs are a. little less somehow you need to bring in.

more money for that so I doubt it but if. they are you can have more fun for. retirement I need you guys to start. contributing after the six-month. emergency household fund 20% to. retirement so you guys can actually live. those later years like every human. should that's what I need now right now. it requires you growing up mhm any final. thoughts across the. board thanks yeah thank you in general. for for reaming him someone else needed. to if there's basically no money and the.

money that there is is going somewhere. else I mean hmer Financial score across. the board it's very easy and very simple. zero make sure to check out all the. resources Linked In the description. below they are what I use or would use. in specific situations including the. best budgeting program in the history of. the Internet thanks to all of our. patreon producers for making this. episode possible if you want to. participate in an episode of financial. audit and you're able to make it to. Austin Texas please fill out an. application and the survey Linked In the. description below you can also send a. link to your friends or family who you.

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