She’s Hiding $330,000 Debt From Overseas Husband | Financial Audit

Liar. It wasn't even you coming out and saying. you got to get called on your. I got called on my I couldn't be like, "Hey, I know you just got like blown up. in a tank overseas. Sorry about it.". Liar. Liar. Liar. Download my new simpler budget app today. and take control of your money once and. for all. And as an extra limited timeon. only bonus, I will give you a signed. version of my budget friendly cookbook. for free when you sign up for Simpler. Budget Premium Annual.

My name is Ka. I'm 26 from Knoxville, Tennessee. And this is Financial Audit. Thanks for coming down from Knoxville. What do you do up there for a living? Up there, I manage a Well, I have two. jobs. I manage a luxury tattoo studio. and I'm a marketing director for a small. jewelry company. What's a luxury tattoo versus a tattoo? So, like, you know, when you think a. tattoo studio, you think kind of like a. little tratty daddy shop, like art on. the walls everywhere. We kind of look. like a spa and we tattoo out of it. Okay. Okay. So, so just think like really bougie. tattooing. Dirty needles but elevated. Gotcha.

Clean needles. Clean needles. And the second job? The second job I'm a director of. marketing for a small jewelry company. Um, specifically body jewelry. Perfect. What do you make in each? Um, so I make 21 an hour as a manager at. the tattoo studio. How many hours a week do you work on. that? That is 40 hours a week. That's my. full-time gig. Okay. That's your full-time gig? That's my full-time gig. Oh, so the marketing's the the. Oh, yeah. Marketing director is my. part-time. I make 23 an hour and I. average about 6 hours a week doing that. Six hours. Yeah. It's not a lot. Um there's not a. ton that needs to be done. I have a. small team that's doing the bulk of it.

I mostly go in and I set up the. schedule. You have a small team? Yeah. Why would the person that has the team. be the one that's not making any money. or being That doesn't really make sense. You're not managing them. I give them what they're supposed to do. and they go do it as to whatever they. need to do. I go in and I take all the. product photos and I know I take all the. product photos. I tell them what. So what's he doing in your account on a. monthly basis? Um well I also have a husband so we're. dual income. Um. cool. What does he do? He is a bar manager for 12 local bars.

Wow. Okay. So what's the what hits the. house on a monthly basis? On a monthly basis um with the jobs we. work with the like VA money that comes. in we make about 8,000 a month. Who's. VA? Husband is VA. Okay. Yeah. So, retired military. So, what all comes in? Is it disability? Yeah. Disability pay. Okay. Yep. Yeah. This is every time. I know. Every time. I'm not I'm not like questioning. I. don't know. It's just like I hear a. veteran. I know for a fact they have. disability. There has not been one.

veteran on the show that does not have. disability. Well, he did get blown up overseas in a. vehicle. That's a good way to get disability. So, um some very serious injuries came. out of that. Um. Well, no, no, trust me. I'm not. questioning it. I'm just like if I hear. it, I know there's going to there has. not been one without it. So, it's an. interesting interesting thing. Consistent, but okay. So, what hits the account on a. monthly basis? About 8,000 a month. 8,000. Okay. So, cool. Not bad. Living in Knoxville. Knoxville is not a uber high cost of. living area. It's really not. Um, it should feel. better. And.

why is it not feeling good? Uh, I'm in some debt from when I was. like 18 that I have yet to escape from. Um, I mean, that's eight years ago. I know. Well, what's the issue? Well, the issue. is is like we've um so we paid off some. debt. We got it right back up. We didn't. actually fix the spending habits with. it. So, how'd. you pay it off? So, got a reimbursement check from when. we filed husband. Husband, I'm so sorry. Husband filed for. VA disability and the disability back. pay came in. We took that money. Wasn't the effort you guys actually put.

in. It was a lump. We were handed a lump sum. Yeah. And so. then we spent it right back up. We got. Happens every time. That's why you I'm. kind of against it. without changing. your behavior. Well, we thought we did and we didn't. change your behavior. Yeah. The money was gone and then it. came right back. And that was four or. five years ago. Okay. So, it's not debt from when you. were 18. You paid off the debt. No, one of them is. And we'll get there. And you're probably going to yell at me. from that one. This is a lot though. It is a lot. In fact, I see a lot of individual debt.

Oh, thank one's a mortgage cuz that's an. insane number for your total debt. It. really is. Okay. Okay. So one but one out of like a. thousand deaths. I know the rest of them we built back up. cuz like. Okay, but it's not different from when. you were 18. It wasn't you just being a. dumb teenager. This was a few years ago. Yeah. But you know when you. the biggest one was. the biggest. credit card. The biggest credit card was. Yeah. So that was from when I was 18. Credit card but not the biggest debts. which besides the mortgage again is car. loan.

Those are new. Yeah. So it's not Okay. I just I just. kind of want to immediately take a step. back. I I'm just. when looking at your overall situation, no, it's not just a stupid little. mistake you did at 18, which okay, that. would just be a different setup than the. reality is, okay, a few years ago we. were basically debtree and then we. decided, wait, let's not be. Yeah, but. it's just important to note the actual.

reality of the situation. It is. And I mean, my husband now knows. all about it. He didn't know all about. it at first. Wait, didn't know about what? Some of the debt. So when we when we. initially paid everything off, wait, he didn't know about all the debt. when you guys made that lump sum from. his disability. No, he didn't. So you used the lumpsum? He didn't know. He He said he wanted to use the lump sum. to pay off our debt. We paid off our. debt. I just didn't know what that was. I just didn't tell him about some of it. Why? What's the point? There was a lot. of embarrassment and shame there and. like I thought I could handle it.

whenever. embarrassing to hold on to it longer. Oh, it definitely was. Like don't get me. wrong. I thought I would have to come. back a few years later and be like, you. know what? I mean, I messed up. I've I've admitted. to my wrongs. We've gotten past that and. now here we are again. So, like we're. trying to get through. What do you mean again? What's What do. you Okay. Again. Not again with the lag. Not again with. the lag. Just again with the like large. amount of credit card debt. built up over how long? cuz it's not. since 18. So this. it's not since 18. This that you're going to be looking at. has been built up over the past 4 years.

So post deployment. Post deploy. When was that lump sum that. came in? That was 2021 cuz husband came home from. deployment 2020. Yeah. So from 2021 to. now. So like four years. Consistent buildup. Consistent buildup. So uh it was like we. lost a job and then we you know we had. to pay our bills still and we still had. my groceries. Did I have an emergency. fund? We had no emergency fund. You cut back your life expenses. I'm going to say no at the time. At the.

time, definitely not cuz I I had to buy. the. income changes. Your expenses need to. change with it. It as easy as that. Yes. But the income hadn't like. drastically changed and then we lost. Well, we lost a job and that's whenever. it started getting bad and that's when. we cut back the lifestyle, but we still. had. That's what I just asked and you just. said no. Well, like I hadn't really been. budgeting up until then. No, no, no. I'm just confused. You said. you said nothing changed and now you're. saying lifestyle was cut back. Well, things had changed, but it wasn't. like a drastic change. Like I didn't I. didn't like cut back. Cut back lifestyle or not?

I mean, I was. Did you cut back lifestyle or not? I tried to where I could. where you could. What's could. So like I was working I was working in. retail and I was getting regularly. dresscoded for not like being the most. uptoate job. You said. no husband lost the job. I I'd had. consistent income this entire time. husband locked in retail. What are what. are you talking about? Well, we work at. Old Navy and they're like, "Hey, you're. not wearing your Old Navy shirt today.". Pretty much. Pretty much. And that was. regular. It was every day. It got to a. point where it was just really bad. It.

was really. shirts, right? And just wear them over. and over again. That's what you would think. But then. like new season comes out, you have to. get new season. Can you say. I mean, yeah. I worked at Victoria's. Secret. Okay. And as they're cycling through product, you have to be on the most up to date. and things like that. So, like you have. you have to be on top of it with it. And. that was a regular dress code issue. So, I'd have to go and spend money and go. change and come back and clock into. work. So, like some of it I cut back on. Yes. Like I wasn't Uber Eatsing all the. time. I cut back on my Starbucks, but I. still had to like spend money on things. that I should have been spending money. on to be able to.

What's the major issue today then? Major issue today is that I have a lot. of debt and I am now on a little bit of. a time crunch with some things. I. Why I'm started filing my taxes for this. year. This is the first year I've ever. supposedly owed. I owe about $3 to. $4,000. Okay. Why? Why happened? So, I'm not. 100%. We're both W TWS. We don't make. any tips or anything. So, I went in, I've been filing jointly for the past 5. years, and this yearly I'm filing. jointly. This year, it says I owe 3500. here. So, I go to a new one and I'm I'm.

owing 4,000 there. Then I go to another. website and I'm owing 3,000 here. And. like I'm freaking out cuz we have this. giant surgery that's coming up that's. going to cost us a significant amount of. money. So, has to have a surgery. Um the. medical is considering it an elective. surgery. It's going to be like. it's an elective surgery. unfortunately. It's not critical. unfortunately. Um. but it's not a life-saving surgery. It's not a life-saving surgery, but it. is going to change the um like um like. how like we live our lives. So like. there's a lot that's going to come with.

this. Um and it is. okay. But it's not needed life or death. No. No. Like we husband will continue to. live past this if we don't get it. And. we didn't do we need to get it right. now. Yes. Even though it's not actually. there is a lot of pain that is going on. with the surgery. It's alleviate it's to. alleviate some things. It fixes physical pain. Yes. Like some physical and mental pain. that's coming with it. Okay. How much is this going to cost?

6,500. which I have in savings. I was trying to. save double the amount that the surgery. was going to cost. Why? Um, so I have PTO that I saved up. over the past couple years. Husband does. not have PTO with work. There's no. benefits like that. Disability comes in for husband. How. much comes in from just disability? About 2100 and that covers our mortgage. and that also just goes straight to. savings for the remainder so that that. money is just constantly building up to. be saved. 2500 is your mortgage.

Uh mortgage is 7 or 650. and we get 2100 from disability every. month. So it's 20% of your income. Yeah. Yeah. So, that covers that. Um, and then we. wanted to save double that so that we. have money for like the one month. recovery process. I'll have enough PTO. saved up for that, but now like I owe. like almost $4,000 in taxes. So, that's. almost like the whole amount that I have. saved up. So, that's kind of where I'm starting to. like really panic with all of that. So,

like I had the money, I was feeling. good. I was going to cash flow it. I was. still going to come out the other side. with some money. And now it's not. looking like I'm going to come out the. other side with the money. On top of. everything else we have to pay for in. like about a year and a couple months. there's the potential that we're going. to be moving state lines. Is this military? No. Uh husband is applying for PhD. programs right now. Um. oh well which would by the way I mean. yes some I mean you can get some money. from that but it's not going to it's not.

not make it a lot. So there is going to. be an income hit. There is going to be a bit of an income. hit. Um, and we're trying to save up the. money so that if we do move state, PhD. in literature. Okay. Um, with a specific focus in Appalachin. and African-American literature. Okay. Yeah. Don't look at me like that. I know it's. a it's a growing field. There's an. actual field for it right now. African American. Okay. I was wait and. Appalachia. Where is that? The crossover of the two. There's an. actual field that's divulging in it and. there's actual like work to be done in. it that is actively going on. So husband.

is in. black people. No, no, it's like actual. research fields that are going into it. Yeah, but for like. what's the employment sector look like? I mean, it's actually pretty high with. the archivist positions and things like. that that are coming out. Not insanely. high. Not insanely high. Um, do we know the job openings versus how. many people are trying to get in? Me personally, I don't. This is a big decision for the house. This is a big decision for the house. Um, and with that, I'm not against going into the PhD.

thing, but what a lot of people do is. that permanent college routine where. they go to college to get another degree. to then get their advanced degree to get. their mega advanced degree so that they. can go and teach college. And it's like, well, hopefully they get that program. That's the other option. Colleges are going through some hard. things and then who knows what's shaping. up with the Department of Education and. college enrollment rates aren't looking. completely great, which is what funds a. lot of things like this. And I feel like. those programs would be the first ones. to go because they don't really matter. So that's where it got a little spooky. cuz where we're at now is kind of prime. territory to get into this study field,

but we kind of got pulled to the side. and told like, "Hey, funding." So we're. in like the Appalachas, so like that is. where they're doing the research and. things like that. Um, but we were pulled to the side and. told like, "Hey, instead of applying to. like five PhD programs, you got to apply. to 20 now.". Um, so like pick some places. Yeah. Not all of them are going to like except. us. We'll just teach that. Okay. But, you. know, that's also an expensive hit. because we have to pay for the. application process. And then if we. start and you know, we have to move to a. new city. Like, I have multiple pets. I.

can't just get an apartment. Like, I'm. have to sell my house, buy a new house. Oh, sell the house. When did you guys. get this house? We got the house three going on four. years ago now. Um, and we do have some equity in the. house. Um, they're building new. subdivisions and things like that. I. think it's about 50 to 70,000 depending. on how much we could like really sell. from the house. Uh, would be what we got. in return. And then I think in actual. equity we have about 30,000. You think so? Yes. Equity of 30,000. So maybe you'll walk. away with 10. maybe. I mean our house is on the up.

schedule which can help you get into. they're building subdivisions and things. like that around us. So like our house's. value has gone up significantly. That's more supply which brings down. value. Like I don't know the other. issue. It depends. Well, that's not it's. an issue for you as a specific owner, but I think it's an overall good thing. for people to be able to the market to. be able to meet demand. Uh, okay. So, a lot of big expenses coming really. fast. My goal was ultimately be like. debtree by 30 and like now my time frame. is like, you know, I got like a year. So, I got to I got to speed things up.

Well, we're barely getting any proceeds. to be able to throw it towards the debt. if we're being honest cuz that debt is. absolutely insane. We're almost at six. figures of literal just bad debt. So. $10,000 won't make too much of a dent. That might get you into another. apartment that might help with moving. some moving costs to a city so that we. can spend time. and effort into a degree that might not. create a return on investment. Let's be. real. If your private student loans have. your eye in a third job at the local. taco stand,

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That's yrefi.com/hammer. or call8 yrefi-78. That is8 yrefi-78. And get out from under the weight of. private student loans. Let's make your. debt meltdown a distant memory, not a. daily reality. Now, we don't have any student loans for. husband. Um, but you do. I do. So, okay. That's not the biggest issue.

Like, student loans wouldn't be the. worst loans. We have horrible loans to. say like use 10,000 to pay it off and. you guys have only paid off all your. debt once before, right? I mean, a couple times. Like we used. some money from the deployment to pay. off some debt and no from the. deployment. From the deployment, how many times you guys have paid How. many times have you guys paid off debt? Three. When? Well, deployment money we used to pay. off debt. When I'm telling you. Yeah. I want like how long ago, not. when? I don't.

It was at least four years ago. Was I there? Was I deploying? I'm. giving you the timeline. So, it was at. least four years ago because I've built. it back up over the first. four was one. We heard about that one. Where's the other two? So, I'm telling you, prior to that was. the deployment. So, we paid off the debt. there. We didn't have a ton. No, when the deployment was like 2020. So, 2020, we paid off debt. 2021, we. paid off more debt. And then I had paid. off. within one year. Within one year, we had. to do it twice. Okay. the the time the. other time. And then the other time was when I was. 19, I tried to pay off a bunch of my own.

debt. Tried to or did you? I did. I didn't pay off one of them. I. got rid of everything but one. How? Uh I had taken some of my like college. refund money and paid towards that. instead of putting it on my student. loans. So I was receiving refunds every time I. like enrolled in a semester, which was just excess money from my. student loans. It should have been. putting back on my loan. But you were just using student loans to. pay off credit cards. Yeah. So, it wasn't actually debt. Okay. It was kind of like a cons. So, like.

Yeah. And it's actually meant for like. school or. which I was putting my on like the. credit cards. So, like I kind of it kind. of balance itself out there. kind of. Let's see if they would think. that going into it. They won't. But. okay. So, then you got to move all the. animals too. Yeah. And you don't know where you're moving. I don't know where I'm moving. We won't. know until probably 3 months prior to. moving. So 8,000 hours is going to go. down to like. Okay. Of the 8,000 hours that comes in. minus you minus the disability, what is. he bringing in?

Um makes about $40 an hour working 35. hours a week. So that's on average like. a $2,000 check. $40 an hour. About 35 hours a week. Yeah. There's. some taxes taken out. So like what? Like. 18 or so? What? That would be $5,600 a month. before taxes. What are you talking. about? Oh, you're asking on like a monthly. basis. Sorry, that's per pay period. So, I guess it's. what you guys get. $16,000 a month.

Hold on. I'm sorry. My my numbers are. getting messed up. It's $16,000. Hold on. How much comes in? I'm trying to figure that out right now. 11,000, but one was a university. deposit. Is that one of the payrolls? No. No. Then what the is that? So, we are bringing in about about. 8,000. I have BA 2,122 and then I have payroll. 6,527. So, husband's hours have been cut. recently because the winter there's not. as many people still though. What What. was it cut down to?

It was cut down to like. like 15. It was cut down to about 20. Okay. Well, that makes a little more. sense. Yeah, that was the winter season. We're. getting back into the summer season, so. bars are picking up more hours. What can I say comes in? What can What. was the University of Tennessee deposit? That was. I'm trying to think. It was put back into your account. It was. Oh my. Come on. This is. I'm sorry. I'm sorry. I'm not looking at. the bill. I'm not looking at it in front. of me. So, I'm just having 115. That's. an insane amount of money. That's. substantial.

$3,000 from University of Tennessee. Good. I'm sorry. I don't have the statements. in front of me, so I'm getting real. mixed up on my numbers. That was likely. just a refund from where we have to. occasionally pay them forward and they. reimburse us when we get our chapter 33. in. What do I have to call him to get. clarity at some point? No. No. I just I'm I'm thinking it. through with you. I I just need an answer. Okay. Where do. you think you are in a scale to 0 to 10?

Zero being the absolute worst, 10 being. the absolute best. Where do you think. you are? I'm going to say one cuz I do have a. You want your financial score? Go to. caleb.com or check out that link in the. description below. If you want to come. on this show down here in Austin, Texas, hang out with us for a bit, go to. calebhammer.com/apply. We would be happy to have you on this. show. All right. Well, we're starting. with first financial bank. Yeah. So, that one is the one that was hidden.

that has never been paid off. So, because you were embarrassed. So, I was 18 at the time when I applied. for the card. Yeah. But it was hidden 4 years ago. Yes. You weren't 18 four years ago, so I. don't give a about 18. They gave me like a $20,000 uh credit. limit. I ran the all the way up to the. $20,000 pretty much immediately, and I. worked to pay it down some, brought it. back up. We started paying off debt in. these lump sums, and then I panicked. because I I didn't want to be the guy. that was in the wrong in this situation.

Like I. But you were, so it doesn't matter. But I was really like I felt horrible. about that. Were you married at the. time? We had recently gotten married. You're hiding a debt from a married. Yes. It's It's all in the open now. It's. all fully out in the open. It. When did it become in the open and when. and why? So, uh. three and a half years ago, husband got. the mail, opened up the letter from the. company. It was a bill for $18,000.

Said, "Hey, this is wrong. Like, someone's gotten your information. like. what's going on here? And I there's obviously nothing else to. do but then be honest. So I said, so was it even you coming out and saying. you had to get called on your. I got called on my I got called on my. hard. And how how can he trust now? It it's a level of trust to where like. everything is just out in the open all. the time constantly. So. it's. everything. Um like our first year of. marriage we spent apart. So like.

obviously like things like that were. harder on us. um just from the. deployment was our first full year of. marriage, then coming home and getting. back into things and injuries and. everything else and then opening up this. and there's this giant lumpsum that I. owe and I couldn't I I couldn't be like, "Hey, I know you just got like blown up. in a tank overseas. Sorry about it. Here's this $18,000 bill that I ran up.". What the You had a lot of time to talk. about it. It wasn't just after the. explosion. No, I just I had. That's a copout. It was. And I felt ashamed and I felt.

guilty. And. you just try to make that excuse now. I just felt really guilty. Like we had. we had only really dated for about like. a month before we got married. We had. known each other for a little while. before that. But it was one of those. like speedrun relationships that you see. in the military. And I just. Where did all this money go on this. card? Because listen, if you've had this. card since 18, there would be a little. more progress on it. Even just minimally. payments without any purchases. So I. mean there's purchases right in here. Listen. It's basically maxed out with a.

$389 minimum payment, which is insane. The balance is $10,763.37. with $84.90 of purchases. So, why are we. purchasing? What have you done with this. card since the debt payoff? Since. since it became out in the open, like I. we had to put our we had to put our rent. on there a few times. before you got the mortgage. Yes. Prior to the mortgage, how much was. your rent? It was about 1,200 at the time. Then you. don't go get a more expensive mortgage. if we're not paying off the card where.

the rent was put on that was cheaper. than the mortgage we are paying. But at the time I didn't have any way to. pay my my rent. I had to pay my rent. That's not the point. Pay down this card. instead of getting a. Yeah, but my rent was going up. And at. that point I could I could have a. mortgage that was the same as the rent. of the crappy apartment. I was in. a mortgage that you might have an equity. position. We don't even know. You think. you might have a $30,000 equity. position? Well, that's not very much. And that can move up or down depending. on where you're forced to sell it at. I mean, yeah, but I. $80,000, I would feel if you thought you.

if you thought you had $80,000 of market. position in your house, I would feel. confident that you'd at least walk away. with some money because you would be. able to do price cuts if necessary and. you'd still walk away. $30,000 after all. the fees and commissions and everything. with you would have to get it at the. exact price you think it's worth without. any movement for you to walk away with. like $10,000. But the thing was is my. rent was going to be increased to 1,600. and it was that or I could buy a house. and get a $1,600 a month mortgage. So.

like at least I own a home and I'm not. in max out credit card that you're. putting all your rent payments on from. before. But all my payments have come out just. fine now. You purchase my mortgage? Yeah, cuz you're putting your purchases. on the credit. If you were just running. out of a debit account, would you even. be able to pay your mortgage? I don't. know. Yeah, it should be good. I just have to get rid of a few things. What does that mean? If I get rid of a couple of credit. cards, then I can start cash flowing. things.

But. you're purchasing on the credit cards. because I can't cash flow them. So, I. got to get rid of the credit cards. So, I'm paying the credit cards down at a. higher rate. How much did you spend last month? I would say I I at least spent what I. brought in. So, if you're saying that I. brought in like 11,000, I've probably. spent about 11,000. No, no, no. Cuz you can't say what that. deposit was from. Let's Let's take away. the University of Tennessee. Okay. You brought in about. $8,600. How much was spent? I I would say about $8,000. Okay. 9,600. So you spent $1,000 more.

Yeah. You're going to cash flow. What. cash flow? You put it on credit cuz you. don't have enough money. But I'm trying to get to the point that. I have money. Trying. Oh, that. Oh, that means the math doesn't exist. That. means if it was all on debit last month. because we tried. and I looked at the minimum payments and. I looked at the interest rates and I. tried to just add up a little bit extra. I don't look at your spending because it. was $1,000 more than Kanan. No, I did not look at my spending. I was. trying to look at how I could get rid of. things. Maybe we look at our spending. Maybe we'll look at a budget. Maybe you. build a budget.

I mean, I've just never successfully. built a budget. What does that mean? So, like I've tried to do some. budgeting. I've tried a couple different. routes and avenues for budgeting and. I've just seemingly have always gotten. the numbers often wrong. So, I tried. some budgeting apps and the budgeting. apps I couldn't get them to sync up with. my bank in a way that it would actually. like zero out at the end. my so we've. got military banking because of military. and they don't like to work with the. apps. So then I went to paper just. writing everything out doing a weekly. budget. When I got to that point my.

weekly budget wouldn't match up with. what was actually coming out of the. accounts. So then I tried to go in. through an edit now I do a bi-weekly. budget where husband and I sit down. switch away from the military accounts. I mean listen I'll give you simpler. budget premium for free forever cuz. you're guest on the show. We're. switching to a new payment system on the. back end. No longer plaid. It's a. payment system that includes all the. other payment systems. It's a balloon. one. So, I would actually be surprised. if the military ones don't work with. that. So, I don't think any other. budgeting app, as far as I know, is.

using what we use. And we're doing it so. that everyone can connect every account. cuz again, my goal is to make this the. best budgeting app ever. So, you get it. for free. You get it for free. Husband. gets it for free. You guys get a free. week trial. And for those who sign up. for the annual version, you get the. Simpler Budget Founders Edition notebook. signed by me mailed directly to you. So, make sure to check out the Simpler. Budget app in the App Store or Google. Play Store now. But, okay. So, not. looking at budget because.

never figured out how to make the budget. work with your banking system, I guess. So, I mean, I tried the paper budget and. it just wasn't lining up with what was. actually coming out of the account. consistently. So, that that's where I. got into some sticky situations. Plus, like we want to go out, we want to have. fun, we want to do things. Okay. Well, that's different. Like. everyone else like everyone else wants. to do. If you budget, you're putting that in. That's I mean, that all doesn't mean a. budget doesn't exist. What are you. talking about? Guys, I just wanted to. say an extra thank you for making. Simpler Budget an incredibly popular.

app. I wasn't expecting it, but we. literally get like thousands of. downloads a day and a lot of you are. actually changing your financial future. and we've been hearing from you. So, thank you all for supporting us. We just. wanted to continue to say thank you and. give people the opportunity to try out. the app. So, we still have a twoe free. trial in there for the premium version. And of course, everyone that signs up. for an annual version, at least for this. next quarter, will get a founders. edition simpler budget notebook. And it. is signed by me, sent directly to you.

So, that's a special thank you for. putting your trust in us to create an. amazing budgeting app. And let me tell. you, the features that we're going to. release throughout this next year are. about to be crazy. I'm going to make. this the best budgeting app that has. ever existed. Seriously, download. Simpler Budget Now. It's incredible. The. time to take control of your finances is. literally right now. And as an extra. limited timeonly bonus, I will give you. a signed version of my budget friendly. cookbook for free when you sign up for. simpler budget premium annual.

Well, I'm trying to figure out like what. does that budget actually need to look. like? So, like I've really cut back on. like a couple things. need to look like for what? What goal? What. am I wanting to do for fun? What are you wanting to do? Like every spend on go hang out with the. girls. How much do you want to spend on fun? I. mean, I would like to spend like maybe. $100 on fun. even though you have about $80,000 of. really horrendous bad high interest. debt. Well, I mean, not right now. I want to. get rid of this first, but like I would. like to get to a point where I can like. go out and have fun. Then why would we need to put that in. the budget now? I mean, maybe not right now, but like. later.

Yeah. There was $727 of going out to. eat. Really? Yeah. How much do you think was spent on. miscellaneous That could be. video games. It could be whatever. We're. about to find out, but it's literally. miscellaneous I mean, no. How much. in the most recent month? Same as we have. How much? I'm going to say 1,500. Okay. Yeah. 1900. Okay. A little closer on that one. What are you talking about? That's. almost $2,000. I mean, it's not what I want, but it it. was my birthday month. I was trying to.

like go out and myself a little bit. Military man, shoot this woman. What is. happening birthday month? What are we. on? What is this? Is this a new. invention that people are just doing? I. told myself I was going to be like. really good leading up to my birthday. month. I was going to cut back on my. spending and then for my birthday month. I could like kind of treat myself. for a month. Maybe for the birthday not. even the birthday the birthdaying month. the birthday. Well, I've got some like different. groups and they like you're going to. destroy you're going to destroy your. life for one out of 12 months.

Well, no, but like my one friend group. wanted to do this. I have a different. friend group that wanted to do that. Like I just treat you since it's your. birthday. Well, I'm not going to expect people to. pay for me. not expect, but maybe they. should. Like, I got to be able to at least. afford my own if I'm going to go. somewhere. Yeah. Then you can't afford it, so you. don't go. You spend $1,000 more than you. make. $80,000 of really horrendous bad. debt. Need to move. Might have an equity. position, might not. IRS payment coming. up. Need to have an elective surgery. Can't pay for that. Definitely don't. have an emergency fund cuz we got to pay. for all those things. And we literally. cannot. So, what the are you talking.

about? That doesn't make sense. that on. that priority list of everything I just. named which was like four or five. things. Birthday month is under. under an emergency fund. I mean you start when you start. an elective surgery. Yeah. Under. I guess it depends on what it is. But. even still probably under needing to. move. Yeah. Under having to pay our. taxes. You bettering bet you.

Oh no. I'm paying my taxes. I'm not. trying to get messed up with the IRS. We'lling find out if you do or can. listen. $281 alone on this. I know it hurts every month when it. comes out. It hurts every month, but I'm going to. purchase on it still so my balance. doesn't go down as quick. What do you mean that does not line up? That does not line up. That mindset is. broken. It was my birthday month. It. hurts, but it's my birthday. So, allow. me to destroy my life. What are you. talking about? This is borderline maxed.

out. It is so close. Well, I did call. them and I had them drop the like amount. that I could spend. Control. If that's what I got to do, that's what. I got to do. You know, it was at $20,000. at one point. It's down to like what, like almost 11 right now. Like it's if. if I got to call every month and have. them drop it, I'll call every month and. have them drop it. Yes, dude. Okay. It's at a 34.15% interest rate. Y. that's insane. Oh, it's disgusting. That's insane. This is the biggest one. Like if I could.

get rid of this, I would feel like a. huge weight off my shoulders. That's crazy. What is your plan for this card? Cuz you. just. Well, I was trying to do like the. snowball method when I started like. really like looking into debt stuff. I. was just going to snowball it. So like. this would be. It was a gym. Get your gym subscription off of a. credit card that is acrewing 30 almost. 5% interest. Well, I tried to cancel my. gym membership, but it was going to be. $500 to get out of the contract.

to a different payment account. That is. not 35% interest. That's all I'm saying. at a minimum. That is your starting. point. Yes, probably cancel it. But I. support gym. Put gym in budget. I always. put gym mental health and budget. Absolutely, but not on a 35% interest credit card. I mean, okay. Yeah, I'll put it on a. different credit card then. So, what are you even spending in your. birthday month? Well, I mean like I got. I got myself a haird dryer and like a. diffuser. Okay. Cuz I haven't I haven't owned like a.

haird dryer in like a year. Really? You didn't have a hair? No. My haird dryer crapped out like a. year ago and I didn't want to like buy a. new one cuz I wanted a nice one. So like. I figured I'd wait up. So we waited until we couldn't afford. it. But yet it was still our birthday. So that was my birthday gift to myself. I was going to get a haird dryer with a. nice diffuser. That way my hair looked. good. You know, it was only like $200. for what I wanted. So I went with that one. And this one. will last me. that's it. Like 10 years. That was your entire birthday month? That was that. And then I also like I. went to this like resale store for like.

books and stuff and I got a couple. books. I got like a Wii. I got some. video games for that. A Wii. Yeah. I wanted to play Mario Kart. Oh yeah, sure. People play that on. switches. A Wii. It was cheaper to buy a Wii. It was much. cheaper to buy. You're not getting new games. No, I was just getting some old games. that I liked from like when I was. younger. And then like I went to the. vape store and I kind of splurged at the. vape store a little bit. you splurged at. the vape store. What the does that even. mean? What does splurging like. when we get to the when we get to the. surgery date? Like there's no more. smoking or anything after that. So like.

I was going to like get my couple of. like vapes and things and then I was. going to ride those out. Get off of an addiction. I was going to ride those out until then. and then I was going to be done. That's not how an addiction works. You. don't ramp up to the cut off. Yeah. No, I don't. You've got a point. You've got a point. You've got a very big point there. I. probably shouldn't have done that, but I. did. And you know, I'm down to just one. vape. And when that vape's gone, I'm. done. I don't even know like what one vape. equals. But I guess it doesn't matter to pay all.

this off if we're just going to die from. chemicals in our lungs. I mean, got life insurance. That'll pay. for the rest of this. You'd have to be dead. Yeah. Won't be my problem then. That's a horribly immature worldview. Okay, Amazon. I'm sure that's what you need. access to. I know. Amazon got me. Okay, Amazon, we owe.

$960. The balance went up on this. $96,511. My back door knob fell off and I didn't. realize that my Amazon car was still. kind of attached to my Amazon account. So, I ordered that. I had to get some. new filters. What are these fees? What are these. fees? You got fee filters? Filter fees? Oh, no. up filters for like the house. Then what are these fees? $33 minimum payment. What is this fee? Possibly interest fees purchases. balance up. It could have been a late payment. What. are the fees? It could have been a late payment from.

where my card got messed around and. mess around. What the does that even. mean? I had to get a new I had to get a new. debit card number. So, I had to set. everything up correctly. Debit card number wouldn't make that. doesn't matter. My my debit card got someone got into. it. I had to get a new one. Connect your bank account. You didn't. need a debit card number though. Oh, link in there and I'm like paying it. It's like use this debit card. You didn't look to see if there was. potentially another option instead of.

getting a late fee. I fixed it since then. I I don't even know what the what is I. fixed it. Like I went through and I made. sure it's set up to the right one now so. it's not going to happen again. until it does though because you look. for no solution. You just accepted it. Oh, I'm going to have a late. and like. Yes, it's. I'm going to grow from that. I'm going. to make sure I don't have another one. I hope so. I feel like a lot of the. people that never grow from things are. the ones who said I'm going to grow from. that. Well, that's the plan. That's the plan. I've experienced it. I've experienced. it. I know what happened. I know what I.

do I do next time. You didn't until I just told you 3. seconds ago. I didn't realize I could set up a. routing number like that. But what the I. put the right card on there and next. time I'm going to make sure the right. card's being used each time. What? But you didn't have a card you. said. So how could you have a right and make. sure the right one's on there? Oh my. That's not an answer. That is. when you go in and you're in the little. portal and you're looking through. everything and it's like use this card. I'm going to make sure I'm picking the. right tell you that. If I didn't just. tell you that if your card got messed. around with again, you would have just. allowed a late payment.

Well, I did this once. I got a late. payment once. I'm going to go in and I'm. going to double check next time. That is not what I am saying. I'm not. pushing back against that. I'm pushing. back against you would have just allowed. this to happen again if I didn't just. tell you the solution. Which means your mindset's not in a. great place. Have a lot of stress on like my finances. right now. But you make it worse by not problem. solving things. I'm I'm confused. Okay. So, what are you doing on here with this.

Amazon card? And it's Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Of. course, my back door knob fell off, so I had to. get a back door knob and then I had to. get filters for the house. Okay, show me your Amazon account. Let's. see. I don't even know what the credit limit. on this is, but I wouldn't be surprised. if it was like a thousand and you were. basically maxed out again. Also, no. Liar. Liar. Liar. Two fees. this year so far. By the way, there's. only two months of statements on here.

Liar. liar. Well, then I don't know what the other. fee is. For sake, it happened once by learning. her lesson. No, you didn't. My car got messed with fee. You didn't even know about another fee. It's a lie. I did not know there was another fee. Oh my. If I knew there was another fee, I would. have told you that to fix this. Well, if I knew there was another fee, I. would have told you that. But then why.

would I lie about that? Which means I. cannot trust that you will not go down. that road. I don't think you can have. credit cards. You are not responsible. enough to have credit cards. You can't. use other people's money. You cannot. have the control of automatic payments. You are not. I mean I will agree with you. I am not a. credit card person. I don't them. I. don't need them. I'm. all We've looked at two credit cards so. far. You purchase on both. One of them has a membership on it like. a regular subscription. I wasn't buying. anything else. I wish we would move away from it. Yes. typically. I. mean, yes, I I will when I leave here.

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Rolled cones. We're getting rolled cones. and rolled cones and rolled cones. We're. getting rolled cones. A lot of those got. 100 pack rolled. A lot of those got returned. It was on. some weird subscription thing. It got. cancelled. They got returned. Dude, I don't think the ones I'm seeing. have been returned. I know they've been. returned because I drove all the way to. a Whole Foods so I can return them yet. It might not happen. I know I drove all. the way out of my way to return these. Car fluids of some kind. Ordinary.

airline solution. Micro pro charger. Bike lock. Advil. Sharpies. Kind of sick. Lots of yog or humid. What is this? Humidity absorbers. Okay. It gets really humid down in. Tennessee. And we have some like water. at the end of our property. So like. there's just moisture everywhere. Trying. to get a little bit of that. house. There's the door handle. The. thing you brought up like a that's what. you this the only thing you brought up. and it was like 50 purchases down. There's some returns for a different.

type. of stuff. But still the cones or. whatever you order there were three. boxes of 100. It's not all horrible. Well, just do we. have to be purchasing these right now? I. don't know. I don't think so. I mean, I don't necessarily think so. I just had to go to Oklahoma. Well, I. didn't have to. I just went to Oklahoma. for my best friend's baby shower. I. wanted to have a gift when I got there. I get it. How much was that? I mean, the traveling down there was. about $300. And then. How much was the gift?

The gift was $89 with some taxes like. 95. So, not terrible. It's definitely the. cheapest gift she got. And you can't pay your IRS that. And. then, you know, we went shopping and we. got some food and, you know, Okay, here's another. This is Synchry, but just Synchry Classic. Okay. On here, you owe $2,000. Oh, then that's the American Eagle one. So, that's what I was getting a lot of. my clothes on. Are you a 12-year-old tweet?

No, that was what I was getting a lot of. my clothes on back when I was working at. my old job and I was having to buy. clothes regularly. I would get jeans and. basics like that so that I had just. simple things to wear with the work. required. items. You had to be on trend. You had to be in fashion. Like you We. had this whole. What the are you talking about? They. They're telling me you've. bought clothes out in Oklahoma and. mailed them home. Well, yeah. We went to the Goodwill. bins. That's not what you're saying, though. Well, no, not on this one. I didn't put. I didn't put those on this one. This is.

from when I like used to work at my. other job and I had to like regularly be. up to date in fashion trends. That's. what that is. How long does this take to pay off the. $2,000? Just minimum fee payments. without any purchases which you're. incapable of that exact thing. 7 years. 7 to 9 years. 10 years. Okay. 10 years. You'll be in your mid30s. by the time your past work Victoria. Secret clothes. has been paid off. So, you know, and then there's that. And. then I went to Oklahoma to visit my. friend for a baby shower. They are. right. I did have to mail clothes home.

We went to the Goodwill bins. I went a. little crazy at the Goodwill bins. Got. like£9 worth of clothes. Shipping them. home. What? Yeah. It's like a dollar a pound. I think you have an addiction to just. close. I think you are allowing whatever. I've never been to a Goodwill bin. Whatever work requirements were. required, which I'm sure there were. some. I think you use that as an excuse. to do more than you actually needed to. do. You went into debt for it for felt like. intensely pressured to constantly spend. money on clothes. Yeah. So like I was.

constantly spend by my bosses, by the. people I was working with. Like we were. party girls. We were always going out. We had to have clothes for going out. for work. That's not for work. Those were my work people. And we'd. still wear that to work. for work. And I'd still have to buy things for. work. I had to have my for work. I had. to have my hair done for work. Like it. was a whole you you had a uniform head. to. toe though. I need to make that clear. No, but I'm saying I also spent money on. clothes going out. Yes. But this entire time you framed it. as you had to do it for your job. The bulk of it was for my job. you. And then there's the side part of it. where like.

listen, if you're going into debt and. you can't fully pay it off from your. debt uh from your income from that job, but you're going into debt in order to. be able to do that job. We're not. working that job. And I'm out of that job now. And I'm out. of that job. Yeah. But no one would be working at. Victoria's Secret if that was 100% true. if they had to spend more on their. clothing than they get paid. I probably could have done it in a. cheaper way, but I'm feeling. making it sound like you had to do this. I did. I was getting dresscoded. regularly. I almost lost my job over my. hair one time.

You should have hair is different. You're saying you had to go purchase. like a thousand new outfits constantly. Yeah. And I did. I did. We had monthly. things that we were like, "Hey, like. this is your monthly check-in. Like. these are your new items that you've got. to have. on here alone. $47.37. of interest. Thank no fees this time. 11 years to pay off. So 37 years old. 30.24% interest. When was the last time. you when did you stop purchasing on this.

card? This card I stopped purchasing on 2. years ago. You haven't had a single purchase in two. years. Not a single purchase in two years. It. was a much higher balance. It was a much. higher available balance. And I did call. them and I had them close the balance. down. So that it wouldn't be like a temptation. to spend. No, you don't still spend money on. clothing for work. Not as much. No, not as much. No. Like I still buy clothes from time. to time. But is it for work? Yeah. But not like not like my work is.

not making me buy clothes right now by. any means, but every so often like I. want to get a new outfit. You're a clothes addict. You sent home. pounds 9 lb of clothing. Even if it was. cheap, it is clearly demonstrating how. you do it. I mean, I like to be on top of the. fashion trends. I like to I like I like. to buy clothes. Yes, I like to buy. clothes. You have $8,000 of bad debt and. you can't do them the massive list of. things that we've talked about. I'm not. going to repeat them again because it's. insane. Clothing, sure. Fun. Take care.

of yourself first for sake. So, surgery. for you or the husband? Husband. Okay. And you're prioritizing you having. better fashion than their surgery? No. Cuz. great, that is what you're actually. doing in your behavior whether you're. consciously just saying that or not. It wasn't all clothes for me out of that. 9 lb. Wasn't being fully selfish. I did buy a. lot of collect clothes. within that fashion trend. I know lots.

of people do that. I do like to collect clothes. I like to. collect jewelry and things like that. Uh-oh. I mean, I work in the jewelry industry, so like I have a pretty extensive. jewelry collection. What's it worth today if you sold it? Uh, probably about like $30,000 in. jewelry. No way. Yeah. Yeah, we're selling that. No, a lot of it was gifted to me. So, a. lot of it I didn't spend money on. I don't care. Also, some of it, like, you can't just. like resell body jewelry. That's gross. It has biomatter on it. You can't just. body. I don't know the sell.

We can sell we're selling though. I. mean, that's going to be a part of a. debt payoff journey. It is. I mean, I've. got some necklaces and bracelets and. things. Whatever we can sell, we're selling. Okay. $30,000. Yes. A lot of it was gifted. A lot of it. was gifted. How much? So, I would say probably like 20,000 of. that was in gifts. Okay. So, like my my grandma has a lot of like. heirloom items she's given me. There's. things like that. I don't necessarily say. that's part of my collection, you know, things like that. Like it's not all like. I'm not swiping the card for all my. jewelry, but I do have a pretty. extensive jewelry collection.

Okay. Navy Federal. Yeah, there's the military thing. Maybe. you owe on this $5,677.92. 87 hours of interest acred. Minimum. monthly payment was made. Minimum. monthly payment is $14357. What's up with this? Well, that is husband's card. That's not. my card. So, you guys are both. We both have jobs.

You guys sit down and talk about money. Yes. once every two weeks the day before. payday destroy our lives. So we've sat down and budgeted. We've. gone through we like listed out. everything in like order of like most. expensive to least expensive. Like we've. gone through and tried to like figure. out the snowball method. I just can't. But that is the easiest thing to figure. out. We can figure that out in 5. seconds. It's actually executing. So I. listed it. Yeah. But no, no, no. But. that's what you guys are is you guys. make the list but you never follow it. Why don't you guys follow? Why don't you.

guys hold each other accountable. together? We're working on following it. So, we're. working on that accountability. Look at where you are. So, like we're doing. you spent $1,000 more than you made. You're not working. That is incorrect. You not going to sway this conversation? Like. we're doing these regular check-ins. They might not be working, but we're. trying to do them. If something's not working, do we. continue doing it over and over again? That's why we've kept changing the. method. Like, so we keep switching up. kind of what we're doing. So, like right. now, we're doing a more weekly check-in. instead of a bi-weekly because we notice. that we're not ending on track with the. budget. Tell me how they go. So we sit down and. while we're eating dinner, we pull up.

all the things that we have to pay and. we pull up our bank statement and we go. line by line and look at it and we try. to figure out where did we up and where. do we need to fix it in the future and. then we start holding that. accountability. So like hey like I'm. going to spend money and I'm going to go. out to eat cuz I'm in Austin, Texas. right now. So like we're doing we're. telling each other what we're spending. as we're spending it and I think that's. holding a little more accountability. than before. What we're spending No, no, no. Why are. we just we're just telling each other. where we're spending money. We're not. sitting down and establishing where. money should go for the household.

Well, we're talking about when we're. spending so that we know when we don't. need to spend the money. We need to reset. That is not how we do. it. How though? Use again the budgeting app and you set. you assign where. what. the budgeting app doesn't let my bank. account in there. This one once we do our switch might. Okay. But either way either way, even if it's. on a spreadsheet, which is obviously. much more manual cuz that's automatic. connections. But even even still. actually you could do the manual things. on this version as well if you really.

wanted to. So you can still do a digital. version without the automatic. connections. Obviously the automatic. connections is moreing uh here's the. founders edition notebook by the way. Sorry I forgot to give you. So you will journal that and you will. bring it back for your followup and I'll. read it. But either way. you assign where your money goes. That is it. You and him assign where the. household money goes. and that's where. spending can go and then you address it. in the monthly sitdown and then adjust.

the budget. You don't come back later. and say, "Hey, I spent this on this.". That you're not going to get anywhere. with that. And that ends up to spending. $1,000 more than we make in a monthly. basis. Well, that's why we're doing the weekly. check-in. So, like we're checking on the. week, making sure all the budget. I don't think you understand what I'm. saying. That's so stupid. So, what was spent on this card that's. borderline maxed out as well? that one. was some bills and things like that back. whenever a husband had like lost a job, broken his foot, couldn't work for a. substantial period of time. Um, so that.

was putting some bills on there. That. was going out to eat a couple times. That was some things like that. That was. from like 3 years ago though when this. bidding happens. So close to max out. Fees and things. Fees. Fees is from late payments. Well, we've missed some payments on that. one. Why? That was like last year. We missed some. payments on it. We were having some. issues where people were getting into. our cards like very regularly. They were. getting into our debit cards. We were. constantly having to switch those over. to new cards. What was happening? How were people. getting into your accounts?

Well, we would, you know, go out to eat. and then someone would get our card. number. constantly. Constantly. The Zachbies right next to. my workplace has my card information. like four people. Like it's happened. multiple times after going to Zach's of. all places. Well, it's cuz you went to Zach's. They're right next to my work. I don't have to drive anywhere. So, is anything else on this card? I. mean, there were no purchases, but are. there subscriptions or anything? No, not on that one. 18% interest rate.

It's better than the other ones at. least. Yeah, sure. Doesn't really matter. though. Okay. Capital One Saver card. That is husband's as well. Do you ever look over them? Yes, we look over each other's. That's a. new That's a newer thing. That's a newer. thing we're doing, but you don't assign where spending can. go. Well, we're working on reeling that in. and figuring that out. That's what the. weekly check-ins are for is for like, hey, like we've assigned ourselves this.

fun money for like going out to eat. You guys think you can have fun money? I mean, we're trying to use that as like. when we don't take lunch to work. We use. the fun. Why don't you take lunch to work? There's some days where we just don't. have time to cook and we have two jobs. We we do we meal prep regularly every. like Sunday night. No, there should be no issue then. That boy eats that boy eats. Put him on a diet. I don't know. What. are you talking about? It's bulking season. So the boy is eating.

So like a pint of ice cream a day. It's. insane. Then meal prep the. We meal prep, but like we just don't. always get to get back to the Sunday. routine. Sometimes there's like extra. homework and things that just throws off. our week. And then yeah, actively in. school. going for a PhD. Oh, I thought he wasn't in it. No, actively in school. Plus, like I. don't cook, so that's. the cook that use the cookbook that. comes with the budget nap. It's so easy. I just literally don't know how to cook. Follow the instructions.

I don't think like I I burn water. Dude, you're then and can't be. allowed to operate a car if you can't. boil water. Like I don't know what to. tell you. If you can't figure out how to. use a stove, I don't want you. around a multi-tonon vehicle. I mean, I can I can cook like your most. simple basic things, but like I can't I. can't cook a whole meal. Like I I'm out. of here with like a balanced diet. If. I'm cooking for myself, I'm making every. other. Excuse excuse. Excuse. You're never. going to do anything in your life. Listen, $9010 of purchases on here with. $2384.

of interest. You okay with it? It's your security. system in Spotify. That makes sense. But why is it on a card that is acrewing. interest that we are not paying off? Because I can't confidently move these. things to my debit card because I still. have to pay my credit card payments and. at the end of every budget, I still come. out at zero. You can't afford these things. Can't afford the 715 going out to eat. If you're not confident enough to put.

your subscriptions that you need. in your checking account, you can't. afford going out to eat. Okay, this is pretty basic. This is for my birthday. Like this was. like me going out for my birthday. Yeah, ADT. That's for my birthday. Well, ADT is not my birthday, but like. the going out to eat that was like from. my birthday. Like I went out with a. couple different groups of people for my. birthday. The rest of my year I will never. understand. I I can't I can't I can't I. can't get there. I can't get there. I'll. never understand.

I mean, I had groups of friends. They. wanted to do things. Oh my man. You know, like it's not something I'm. like planning on doing every single. month. 29.74%. interest rate. Quick silver. So that actually used to be a Walmart so. much go to go through. Okay. $1,882. So that was a Walmart card. That wasn't. always a quicks. They just recently.

switched that over. And there's fees. There are fees. I told you they got into my card. I had. to switch everything around. I messed up. a couple of them. I'm taking the L on. that one. That was for groceries. There. was some times where we just couldn't. afford groceries. $47 of interest, $39 of fees, $49.15. of purchases. I I I don't even know. Also, another 11. years to pay off. No, it's for the vet.

Yes. So, we have five pets. We have pet. insurance on all of them. Our pet. insurance. So, I have four cats and a. dog. Okay. Um and then the pet insurance, one of. them comes out of there. One of them. come the rest of them come out on. another one. And we're slowly switching. them over to our debit card. So, I think. I have like two of them on my debit card. right now. And then, yes, it's a past due fee. Yeah, it's past due fee. I messed up. I've got the cards in the right order. now. We should be good.

But I don't believe that you'll be good. Look at you paid off that three times. Look where you are. All your time. This. time I'm working on it though. Like this. time I'm working for it. That requires so much trust that I do. not have based on your life experiences, based on what you have done, based on. what you've brought here and the actions. in the most recent month. How the can I. just walk away and be like, "Okay, you're right. You're just working on. it." That doesn't make sense. That is. not how this is going to work. You know, I splurged one month. I'm not. going to every month. You.

you can't take a statement without. having to have a but. well I want to give you the explanation. for it. Your explanation's uh stupid. 28.99%. interest rate. Regular Capital One. That one's mine. That was my second. credit card ever. $785.84. with your household income. Should be. able to just get taken care of like. that. Minimum monthly payment was made. $18. What? I would Let's do it like that.

Then do it. Okay. You purchased. You purchased that much going out to eat. almost. You could have. Well, maybe next month I will. Oh my gosh. I'm trying not to hit you with the butts. that you were asking me to stop using. 6 $26 a month is your minimum monthly. payment with $18.51 of interest. What's. up with this card? Well, with this card, I'm paying more. than the minimum. I'm paying 50 a month. on it. trying to get it down a little. quicker so that I can just pay it in a. lump sum here soon. Um, with this one,

it was my second ever credit card. It. was originally for school books and. things like that. I was using it to pay. off with the reimbursement checks and. then it slowly became clothes shopping. Surprise, surprise. I know. See, it's not work. You can't blame it. on that. That wasn't your past work. It's not your current work. Teaqu. [Music]. membership right here, too. Whose. YouTube membership are you possibly. subscribing to? I'm actually a Hammer. Elite member. Oh, okay. The one where you get to see. brand new content every single day,

access to two exclusive financial audits. every single month, and access to our. official brand new call-in show, Hammer. It Out, weekly live streams. You ready? I'm so scared. I'm so scared. I'm so. scared. And extra behind the scenes content. Are. you really doing an ad read? Well, Hammerly is the number one YouTube. membership community with over thousands. of hours of content. It's literally all. I watch when I get home from work. Make sure to join Hammerly now for the. biggest membership content library on.

YouTube. See you inside. It's not my current work. My past work. did get me in a really bad headsp space. with buying clothes and I'm recovering. from that. I have a lot of addiction. tendencies work. I think it was the. people around you. Probably. I have a lot of addiction. tendencies. Shopping is not my only one, you know. I also like to smoke and. things like that. So like what. I also like to smoke. I vape, you know, like it's not the only addiction I have. in my life. So, you know, with some. therapy, we're overcoming some. addictions. And. maybe, but also, no, because that hasn't.

changed. You just did the Goodwill. pounds and you're vaping now. Well, that was on a vacation situation. Oh my gosh. There's noing Oh, I can't. even I don't know how to describe you. It's just like you just say incorrect. information and then you're just like, but and then it's okay. It's okay. I'm. going to have a little excuse that. excuses all of it. I feel like if I can justify it, then. it's going to be okay. So, I look for a. justification. So, you can do anything on vacation.

I mean, I can't just do anything. Then why does that make it okay? Well, if I can justify it, then it is. okay. You're only justifying it because you. were on vacation. Yeah. Like, I'm not going to There's no. Goodwill Ben at home. It's not like I. can do this every other day. Like, it. was an experience. It was something that. I've never done before, never seen. before. can't have Oklahoma heroin every. day. Exactly. You know, like. so that would be okay. Not heroin. Heroin's god awful for you. I've seen some effects of some pretty. heavy drug use. Like that's not. something I'm trying to go down. I'm.

trying to handle these like tiny. addictions now so I don't end up down. that road. Addictions. Your $80,000 in bad debt and. you can't make the payment of the four. major things we talked about. Your addictions have led you down that. road and you're not actually changing. them. You're one of the people that's like in. therapy and you think because you're in. therapy you're changing but you're not. putting in the actual action that's. required change. Recently started therapy. So and that's what's even gotten me on. the kick. You're capable of having a reasonable. conversation. 26.74%.

interest rate. Okay. Firestone classic. So we had some car issues come up. There. was. Yeah. Well, you know, there's some. traveling for military schools, you. know, going to Missouri and things like. that. And one of the guys in the unit. got stuck in a ditch and my husband. decided to try to help him out of the. ditch. Tore up the back axle on the old. car completely. Two on this one as well. Shredded it up. Me. It's three now. Three. I told you I had that little hiccup with.

I've heard. I've heard. But then of. course we went on that other credit card. and uh it was a couple months in a row. So not just a little hiccup. I mean, I can't I can't justify it. anymore. You don't want to hear the. justifications. So, no. So, $32 a month normally. I want a real answer. I want acceptance. It's not about having to justify $76857.

your balance on here. So, again, fees, interest. What is up with this card? This card is getting paid down actively. We're not spending on it. We don't have. any major car repairs coming up. We're. doing regular maintenance on our cars to. avoid this card ever being used. It's getting paid down, by the way. Payment $0. Okay. Why? So, it was the friend. What. was the purchase? How much was it and. when? We maxed it out. They We went. They couldn't purchase. So, it messed up our car, not their car. Oh, sorry.

So, we had to repair our car. Um there. was no insurance to assist with it. because it was like a voluntary trying. to help somebody else out of a situation. instead of waiting on like a tow truck. out in the middle of nowhere. So with. that, it messed up our car. We had to. pay for that on our own. Um opened up. the Firestone card cuz we didn't have an. emergency fund. We didn't have any. savings at the time. Put it on there and. 28.8% interest rate. I'm trying to pay. When was it? This was like two years ago. Okay. Come on. So. I mean this wasn't too terribly long. ago, but it was like almost two grand.

worth of car work. emergency fund instead of fun. That'd be nice. for things like this. That'd be nice. You would have had it if you prioritized. it. You didn't. You didn't put in the. action. You think things just happen. You think they just come. Okay. Nissan. Nissan Rogue Sport. Yeah. So, that is our new car. Um, you have a new car and we're talking. about choice. By choice. Not by choice. Not by choice. What do you mean by choice? It was your. choice to get the price. You did. I.

wouldn't even say that. So. price of the car, I would you probably. went to what? Two dealerships max. No, I went to four. four. four dealerships and there's only like. four in town. So. go to the next town. So with that about um October, uh. husband works at a bar. Uh is coming. home around 5 6 a.m. from the bar. Um. gets into a hit and run accident. Totals. our vehicle. Did you have insurance? Did you have gap. insurance? Insurance? We did not have. gap insurance. Our insurance denied our.

claim. So, there was no money coming out. of it. Um, I've gotten in touch with an. insurance lawyer and I I have still yet. to get a solid answer on any of that. Our insurance should have covered it. They are not. They're denying all of our. claims. I'm been actively trying to. fight with them. They say that our. insurance doesn't cover the fact that it. was a hit and run and we got no plates. or anything on the person. There's no. cameras or anything there. People just rolled up to the scene to a. flipped vehicle. So, there was nothing. there to help us. with our case. $15,000 it's worth.

So, originally the car was 122,000 when. we bought it. Um, well, no, we ended up just taking. the savings that we did have and paying. off my car, which there was only about. 3,500 owed on my car so that we could. take out another car loan. So, I got. this car under the assumption that it. was like $12,000 and then I got a bill. for $22,000. What the you talking about? I'd also like to know cuz I've gone down. to the dealership. I've called the bank. I've even gotten in touch with a lawyer. because there's paperwork with my name.

on it with incorrect numbers on it. Well, there you go then. Get in touch. with a lawyer. But I'm also having a. hard time believing you. I have been on the phone non-stop with. these people. I've gone down there. Original paperwork that I'm sent home. with even says $12,000 and everything. that the bank has says $22,000 on it. Did you bring that paperwork? Mhm. I even took it to the lawyer. No. Did you bring it here? Did I bring it here? No, I did not bring. it here. Why? What time? Well, I was traveling to see friends and. things like that. I didn't. That was the. last thing on my mind. Okay. So, how much did you put down on.

the car? Uh, we put $1,500 down on the car. Okay. So, you guys had an extra $1,500. That pretty much wiped everything from. our bank account. I'm being told you had to ask friends. and family for help to put down money. Yes. So, we we paid off my. If I didn't know that because I have. people in my corner here, you would have. just lied and allowed that to just. coast. Was it a lie? Cuz you didn't ask. I. asked, "How much did you put down?" And. from. I told you I put down 15. And I said, "So you had $15,000.".

I mean, it wiped our bank account after. I dropped it in. You were given money. We did a GoFundMe. See, that is different. I see. This is. why I cannot trust you. I can't trust. you with that price tag of the car and. the contract and stuff. Look how you. look. If I don't ask a very specific, it's like. it's like if if he ever wants to know if. you cheated on him, he has to like ask. if you've cheated in a certain sexual. position with a very specific individual. person for you to say yes. No,

that would be the only way for you to. admit something. You have to have like. it has to be the absolute. Well, I'm trying to answer your. questions. I'm trying not to justify. things cuz you don't want. justifications. You don't want. That's not justification. It's saying. you had money from other people that. What are you talking about? I was getting. You just said yes, but that was wrong. It was from other people. Well, thousand of it was mine. $500 was. crowdsourced. And then the $3,500 that I paid on my. car was from me.

Okay. Gosh, this is so hard to trust. anything you say. What is the interest. rate on this? like 8%. 8.3. It's not good. It's not keeping up. with the market. No. Then you have a depreciating asset. One. that you're already like $7,000 in. negative equity. Regular payment 35163.

These are stacking up. These payments. are stacking up. [Applause]. CarMax. Is this for a different? So that's for the Jeep. That's for the. total. because we didn't have gap insurance. So, I still owe on that one. So, it wasn't rolled over. Okay. No, it's two individuals. Okay. Minimum payment four uh sorry, minimum payment 34439.

with a balance of $8,42322. Okay. Interest rate 9%. And so it's even. worse. Neither one of us necessarily wanted to. spend the money on this car the way we. did. We were going to look into. refinancing it the year that we totaled. it. Well, now you have to pay something. 8,423. for something that has nothing. And we tried to see if we could take. that car and sell it for parts or. anything like that. And it would. actually be more expensive to even just.

get it out of the lot. It is completely. totaled. Jeez. Scraps. I mean, we tried. It's more expensive to. get it out of the lot to sell it for. scraps than what we would make on. scraps. Where is it? It's in a junkyard. in town. Yeah. So, we we tried to because we were going. to take that and just put some of that. extra towards it, but it costs more to. even do that. Okay. Well, this one I feel bad about. I. don't know about the insurance thing. I. think obviously I would recommend. looking into that more. This is the first one that I feel like.

sympathy over cuz the rest have been. you. This I mean this was a stupid debt. probably but the car no longer being. here that was less your fault. Okay. Student loans instead of adding. all these up individually I did see it. was like. I think it's like 13,000. Yeah. 13,0006. So what's up with the. payment status of these? So I was on the save plan. Um that's no. longer a thing. So they sent me an email. saying that I had four months of back.

payment and they were going to start. garnishing my wages if I didn't just pay. it. So. back payment really. So I went through and I paid the four. months of back payment. I tried to. How much was that? It was about $500. So it's about 130 a. month here going forward. 130. Okay. And they're probably all relatively meh. interest rates like four or 5%. Yeah, they're not super duper high. I. think they're like a 3.5. We could probably minimum payments until. those are paid off. Is there seriously. still more? My this is insane. Okay, so you got 15 or $13,000 in.

student loans. That's actually not. horrible. You're certainly below the. median. Uh, did you graduate? So, I have an associates in arts. I have. an associates in business management and. a bachelor's in accounting. Oh, okay. Yeah, a bachelor in accounting. We can't. figure out how to budget. Okay. So, accounting was not my field. It was. not my thing. I I strictly glided past I. glided past my C's C's get degrees. So, glided past my classes. It was not a. field I was going to work in. I admitted. that to myself. I admitted that to my. husband. I. Yeah. I mean, you manage stuff for just.

20 bucks an hour essentially. It is not the field for me. Um. Okay. If you ever want to change things, obviously I can gift you a course career. certification of your choice. That helps. boost a resume, change careers. A lot of. people in the audience have used it. Um. okay. Jeez. Four months of back pay. That's brutal. I was not aware of that. And I got to. look more into that. if all the people. that have been on our show that had. saved, do they have all these back pays. all sign? They just sent me the email last month. when I was sending you all of this even. Um, and I never even got the.

notifications that I was past due. You don't even need a degree. What are. you trying to do for a career path? Cuz. you're not making as much as you. So, that is something I'm trying to like. actively figure out right now. I I. genuinely really don't. You don't have a desire for. I I leaning really into the graphic. design field. Um, it's kind of a. combination of what I've been doing now. in my current job. And so I'd like to. look into getting more into that. Um I'm. just not prioritizing my schooling or. going back to school since husband is. actively in school. Um so but with the.

idea of having to move soon, that is. becoming a little more terrifying. because there's no guarantee I can just. find another tattoo shop to work at. Oh, this is the mortgage. Okay. So. what's owed on the mortgage? 260,446.30. Okay. I don't want the internet to see. and Zillow is not uber accurate, but. it's going to give us at least something. to work with. Okay. And we have added a fence to our house, so that did increase some property.

value. Yeah. Well, we'll see. I mean, I don't. know. It's not a ton, but it did a little. something. Going to have you look it up on my phone. while this comes back. All right. Type in your address. mortgage payment is $1,619.95. So, it thinks. it thinks it's better than you said.

Now, it is quite generous typically. Okay. But it suggests that you have an. equity position. about 68,000. So, I think listen, even. if you do have to sell for a little. lower than this, I think you will walk. away with money. Okay, that makes sense. I think you'll probably walk away with. 20 to 30 in cash. Okay, all goes well cuz a lot of people are. having to drop prices these days. Don't. just don't try to over over ask.

That's what a lot of sellers areing. themselves with and then they're on the. market forever. Then people are like, why is it on the market forever? Psychologically, things get involved and. then people are like, I'm not going to. bid on this house. It's been on the. market forever. Yeah, that's fair. Yeah. Okay. Is that Is that all the debt? Yes. That is 1 2 3 4 5 6 7 8 9 10 11 12. debts. 12 debts. Student loans being. something that could increase our value. You're not really utilizing that. And.

the house is obviously something that. has helped. And we probably made the. right decision going into the housing. position that you did. So, one good debt essentially one good debt. in this checking account. $182. ATM withdrawal $140. Who knows where. that went? Went to a restaurant. Apple. bill. Target. Van went out 15. Prime. Video. Bojangles.

Hungry. Mhm. Coffee. Got some BS. Prime Video. Margo's Pizza, Black Mountain, Snapchat. The is paying for Snapchat. Who is paying for Snapchat? You guys. It was a cheap one. It was like. restoring aing streak. Oh, Jesus. That was my husband. What a man. I know. Restoring a snip. Oh, it Oh, it.

continues so much. Look at this. It's. all bull. Yeah, that's why the. spending's crazy at the beginning. We. didn't see it until now. ATM fee, ATM. withdraw 123. Apatha, that's a vape shop. Oh, just wonderful. Just absolutely. fantastic. Cinema cinema. restaurant. Hulu. Amazon. Amazon. Pike Place. I think Teswell. Oh, that's parking.

We have to pay to park. So, we didn't. get a parking pass this year. Yeah, we didn't get a parking pass this. year. Um, it's expensive. Why everything delicious? Yamato, Bloom Shop, Blondop, Nail Spa, Bird App, Bird App, Westto, McDonald's, Cine Bear, Barnes &. Noble, Drake's, Thrift Books, Regal. The parking and the other stuff is going. to start coming off. That 140 was for an.

electric scooter. So we can park in the. free parking which is about 30 45 minute. walk away and we now have a scooter that. we own that we don't have to pay any. extra for to get there parking. smoke shop thrift books more books just. listen library. the books were for were for textbooks. the thrift books was textbooks. okay. that was textbooks that Barnes & Noble. that was me having kids for my birthday. this was that for textbooks oh I could. give you so much for my birthday at draw. $300. Amazon rata.

Tommy tent scruff City, Tazwell, Pike. Place, Amazon, Zachbies, Retta, going in. getting some BS, Venmo out, Watson's. Ecommerce, Smoke Shop, Ulta, Crispy. Cream, Chick-fil-A, Victoria's Secret. Come on. Come on. That's when I took myself out for my. birthday. On your birthday. I don't give a It was. 26. Doesn't even matter. It's nothing. But this is like the first sticky rice. Shut the up. I don't care. It. doesn't matter. Celebrate that when. you're out of debt. When you can do the.

things you want to do, including pay the. IRS, then you can have a. birthday month. I would have allowed a. birthday. Cash app out. Tommy's tent. It does not. stop. Preservation. Preservation. McDonald's. Taco Bell. Bernadles. Preservation. Badles. Preservation. Netflix. Turn club. Amazon. Oliver. Hotel. Cash App. Watson Commerce. Go in and get a CBS. Victoria Secret.

again. Blown Shop. May use books. You're. Tommy's Trans. Tommy's Trans Ulta. [Music]. something. Pipe place. Kindle. Stop it. Stop it. Stop it. Libraries. They're not all textbooks. They can't. be. The Venmo. Okay. Other checking account. $172. BS. Sonic driving. Vaping. Vaping. The. amount you guys spent on vaping is. insane. Absolute insane. Subscription,

Arby's, used books, you and then a. maintenance fee because you didn't have. enough money in there because you got it. all on vaping and books. You just vape. and read. Vape and read while getting. your stupid bull. Can you sell your books? Used books? Yes. I actually cancel. What do you have like worth your. collection? Probably between the two of us like. $6,000. Who sells them? Okay. You can get him back again. Cost. money, but like get out of debt. $27 in.

this account. You went in and got some. bull. Old Europe smoke shop. Chick-fil-A used. Chick-fil-A. Waggles. Wiggles. Tic Tac Shop. Tik Tok. shop. $63. Hey, that was a cat tree. That was. actually a really good deal on a cat. tree. Congratulations. Your cat can. climb up a couch. I don't care. my in. debt. Chick-fil-A. Use books. Chick-fil-A. Oh, sorry. I already did. that one. Okay. Chick-fil-A. Something.

pop up. Used books. $101. You don't You. You do not read that quick. I read 200 books a year on average. That's great. I started picking up. reading this year, too, and I'm plowing. through books. But you are not reading. them that fast. Listen, I've seen like what $300 of. books purchases in. It's not just me. My husband is also a. fast reader. My husband also has to read. a lot for school. These are not for school though. Not all. of them. Not all of them. Come on. I have to use Okay. $5 in this. account. What is this? Oh, savings.

We don't use that as a savings account. That's just the automatic one. What's this? $13,000. That is our savings account that has the. money for the surgery and the extra. money that I wanted to have for. postsurgery recovery in case anything. comes up. This is a change. Yeah, this is a positive change at their. mountain of death. 23 cents. Okay, so. $13,1423. What did it start at? It went up.

I'm trying. I'm trying to save money. $200 in retirement. Okay, that's not. great. Obviously, the disability that's. going to last forever. Okay, so you think I'd say 8,500 hits. your account. Hopefully when the hours. go up, that's better. Debt payments not. including mortgage. We just got the hour increase this week. actually. So that will be going up. $161. No no no no. Debt payments.

$1,61459. not including mortgage. Mortgage. $1,619.95. That did increase $50 because of uh uh. taxes. Okay. Okay. So, it went this year. forever. Okay. Utilities. Utilities. Um, it's 25 for water. It's. uh 118 for internet. It's. that's expensive.

About 200 for KUB, which is lights and. electric. Um, those are the big ones. Okay. 343. Gas, Vroom, drive, drive, both. Uh, for both of us, it's about $80 a. month. Phone bill. Uh, phone bill is about 150 a month. Car insuranceances? Uh that is $1,300. every six months and that'll be coming. out in another month. We got to save for. So every six. every six. So 217. is what we budget to save them for. $600. for food should be fine. TP fund.

Anything else needed to survive? We'll. do 150. Should be good. Medical health. expenses monthly basis. Um about $300. Really? Yes. Post tax. So um. post everything. Post everything. Post everything. Um, I. am not covered on the VA's insurance. Pet insurance. Pet insurance, it's 35 per pet, and I. have five pets, so about 180. 175. Okay. Pet food. Um, that's about $200 for absolutely. everything the pets need every month, including pet insurance.

Uh, no, that is uh like litter, um, food. for both of them. That's 90 for both of. us every month. 90 together. Yes. Okay. Anything. else that needs to be in your budget. that I have not put in your budget? Oh, we have trash every 6 months. That's. 200. I'm sorry. Oh, that's fine. You have an extra. Come on. Listen, I'll give you $300 for. fun and you still have an extraing Let's. just call 2500. The rest can be budgeted.

for fun. I mean, come on. This is $5,539. to survive on a monthly basis. This is. so stupid. There's no reason to be in this debt. Not at all. And that pisses me off more than the. people that are, you know, struggling. You're not even struggling. This is all. choice. This is all choice. Okay. $71,92.94.

of bad debt divided by 2500. Going to take 28 month two years. caught. another 6 months after that to get a. fully funed emergency fund. It's fine. Listen, I know we have to include that. extra 8,000 for the surgery, but you. already can cash flow with that 13 in. savings and you already have what is. necessary for that longevity. So, we. don't even have to budget in that. But. budget in the move obviously, but you're. going to get the sale of the home, but. that's probably after move. So, you're. probably going to subsidize or you're. probably going to essentially.

budget in here probably not paying off. debt for a couple months to pay for the. move and then take the lump sum from the. selling of the house and throw it. towards debt only if I don't want to. repeat it for the fourth time. Now, you. actually change your behavior. Use a. simple This is so stupid. This is all. behavioral. There is nothing else here. This is all behavioral. You can pay off. debt. You shouldn't even be in debt. This is so silly. And we'll call Well, I'm going to call the husband in the. post show cuz this is ridiculous. This. is ridiculous. I need to talk to him. This is crazy. What a There's a It's.

just upsetting. You have so much money. left over. This is all a personal. choice. Birthday months, that's what's. more important. Spending a budget, you. overspend zero out of 10. Debt on. You. have to Well, nothing in collections. Uh. oh, the IRS thing is coming up. You can. budget that in let's say three years. being conservative. It takes to pay off. all this. His income's going to go down. a little, too. So, let's call it 3. years. You can still do it. Budgeting. these different things. Okay. Debt. pretty still bad.

for the income. 70,000 bad. Yeah. One out of 10. Emergency fund. Technically, you have. it, but it is going towards something. else coming up soon, but I will give you. two out of 10 just for the savings of it. in general. Retirement fund. Retirement. is nothing. One out of 10. Real estate. Real estate's actually pretty good. What's the interest rate on that? Uh, 3%. Yeah. Yeah, I'm happy with this. house. Eight out of 10. Should be good. There is still debt though, which is.

always, no matter what, a risk, even if. it's a low risk. Hammer financial score, round it up 2.5 out of 10. We're going. to call the husband. We're going to see. what kind of things come out of that. conversation, but he needs to be. confronted about the situation. We need. to get his perspective on this. So, make. sure you join Hammer Hammer Elite below. and you can take all of our programs. bundled together for 15% off also below. And make sure you download the Simpler. Budget app. I'll see you in the post. show. To be clear, with all this. conversation that we've talked about,

you are the one that deals with the. household finances and he's not involved. at all and now he's starting to get. involved a little. Is it because he. can't trust you? He's never had to like really manage any. finance exactly why he's getting. involved because of. Let's call him. Let's call him. Mr. Husband. Hello. To watch the financial audit post show, click the join button below.