She Sucks... | Financial Audit

When did you learn in your perception. that things were so dire here? >> When he told me that he was going to. leave me. >> and you don't give a. >> What can I say? >> What the is wrong with you? >> I mean, that's not going to matter when. you're dead. >> That's why we're in this. >> How long are you willing to put up with. that before you say, "Okay, that's it. We've done it.". >> I have told her that this will likely. end in a divorce. Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. Three exclusive dedicated.

shows every single day, Monday through. Friday. And for the rest of the month, I. am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammerite.com. After that, I'll send you a $10 digital gift card. that can be spent basically anywhere and. in most countries. This is the best. membership you'll ever join. That's a. promise. Hello, this is Samantha. I'm 35. >> I'm Brad and I'm 35 and we are from. Orlando. >> And this is Financial Audit.

>> Thanks for coming over from Florida, guys. Uh, what do we do for a living? Let's start with you. You're right in. front of me, Samantha. >> Yeah. Um, so I am a systems. administrator. Um, I work for an insurance company. Um, >> Sure. >> Is it full-time? >> Yeah. >> Good. How many hours a week are we. working? >> Uh, well, it's very flexible. So, it's a. salary job. So, I work uh typically like. 40 hours a week. So, >> gold salary, what is it? >> Um it is uh 80,000 and my bonus is 80 or.

my bonus is 8,000. >> 80,000 and then 8,000. >> Yeah. So, it's 88,000 altogether. >> Not bad. That's great. What hits the. account from your pay? >> Um I would say uh probably like 2600. every two weeks. >> Okay. 2600 every two weeks. Brad, what. do you do? I am in IT as well. I am a. service operations specialist. Um, basically if one of our systems like. Slack or Teams goes down, I am the one.

that hit the alarm button and kind of. >> I can see that you fit that vibe. >> Rally the troops. >> What are you making? >> I'm making about 71k a year. >> Cool. What hits the account from your. pay? >> Um, >> do you know, Mr. Brad? about a thousand. to my personal account and then about a. thousand to our shared account. So. >> why is it split between two accounts? >> Uh just we like to make sure that. all of our bills go into the shared.

account so that way we don't. >> So why you splitting it between. accounts? >> So I have. >> all the bills are going in the shared. account. So I have my own personal. account for like my own expenses like. for my credit cards and for like things. I want to buy and then we have a shared. account. >> And do we discuss how much is going to. things we want to buy? Is that. established or is it just being. determined based on how much you want to. put in your account? >> Yeah. Okay. >> Yeah. So basically um basically like all.

of our like household expenses like the. mortgage um our electric bill, our phone. bill, all that stuff is in that shared. account. So we paid all of all of our. shared expenses in there and then we. have like our own money in two different. accounts. >> Well, I got that. I got that. So we're. not discussing how to navigate how much. goes where. It sounds like. >> uh so 2,000. >> bi-weekly. Is that what I'm hearing? Total. >> semionthly. >> Sem monthly. Perfect. So 4,000 a month.

>> 400 month. Yeah. >> 4,000. Perfect. Okay. So with that, that. brings us to what? $9,200 a month net. That ain't bad. People like the high. income earners. Here we have them. That's good. Why the [ __ ] are you on. this show? Why are you here? Ultimately, um, our spending has gotten out of hand. and we.

need to fix our spending, otherwise I. have told her that this will likely end. in a divorce. >> So, how long has that conversation been. going on? >> Uh, we had it probably about. a month ago. Um, >> okay. A month ago. And tell me about. this conversation. Oh, tell me about. this conversation cuz that is I mean. that's that's something big. That's. marriage ending. How long have you guys. been together?

>> Uh we've been together about 9 years. >> And are there kids and one kid? >> What kid? How old? >> He's two. >> He's about two years. >> What the? So, okay. Tell me how this. conversation even started. What we went. into? Like how did you confront this? What did you learn? I I need to know it. all. At the beginning of the year, we. were trying to determine how to best. tackle our existing debt. And we um I've been listening to her. tell me like, "Hey, like everything's.

fine. I've got money for this. I've been. seeing a bunch of uh boxes come in and. >> little boooos come out of them and it. boooos. The [ __ ] is wrong with you? It's. a trend that's going to. It's a It's the It's the Stanley. It's. going to die in like six months, you. know? It's Everyone moves on to the next. thing. >> It's the millennials uh beanie baby. >> Oh, [ __ ] And I technically am a. millennial by one year. Kill me now.

You're bringing Why you got to make me. feel like [ __ ]. Okay. Why are you telling him this if. clearly that wasn't the case? Why? Why. when you guys sit down, you're like, "Oh, it's okay. I have the money. Oh, it's okay. I have the money. No, it's. okay. I have the money. >> Cuz I thought I had I thought I would be. able to pay off the debt with my. paycheck that I would get. Like so I. would I would see like. >> what what does that even mean? You pay. off all your debt in a paycheck? >> No. Like I would get money like chunks.

of money from my paycheck into my. checking account and then I could use. that to spend to to pay off parts of my. credit card. So that's what I was doing. it for when I told him that I had money. was that I was I was. >> And was he aware of this entire. situation of the credit card balances, how much you were putting towards it? >> He doesn't look at my balances. >> Doesn't look at your balances cuz you do. not provide or he does not ask. >> He doesn't ask. Um I don't provide them. to him, but he just gives me like he.

just asks me like what are the balances. like now? And. >> so at the beginning of the year, you. were like, "Uh, okay, let's talk about. finances." And she said, "Everything's. okay.". >> Yeah. I mean, we were tightening our. belt a bit because, >> well, why? What was the wake up? What's. the tighten belt? >> Well, escrow went up about we're an. overpayment on our mortgage. >> Well, I would also say $80,000 of bad. debt is uh something else to be. concerned about. >> Yeah. I wasn't aware of the total at the.

time. >> You weren't? What did you think it was? I was trusting her to take care of it. So. >> So you didn't even know what it was? You. didn't even have a concept? >> I didn't. I knew there was a little bit. of debt cuz we Why were you not. communicating and telling him what was. going on with the financial picture as. you're 9 year in with a child. relationship and marriage? Why? Why? Why? Why not make him aware? Cuz I I I'm.

just afraid about how he's going to. react. Like I'm not. >> What does he Do you slap her? >> No. >> Okay, then what are you afraid of? >> I I I mean he just he gets kind of. confrontational when I like say. >> Do you slap her? >> No. >> Then what are we afraid of? >> I. >> She's afraid of what you're doing. >> Yeah. Like I don't know. But like I just. I I I under pressure and stuff like when. he's like, you know, telling me about. all of these expenses and like why I. spent so much money, it's just like I.

kind of shut down and I'm just afraid. >> They're your actions. They're your. actions. Why are you not able to discuss. the negative impact that you're having. on the relationship? Isn't that the. point of a conversation is you have that. conversation to address it? >> You can't just give up and shut down, especially when a kid is in the picture. That's not fair to anyone else. Dory, like I just want things to be fine. And. >> what the. >> what the like that's not a solution to. anything. That is not an action plan.

Well, >> I just don't I just don't want things to. escalate with our relationship. And. that's why. >> to what does he slap you? >> No, he doesn't. >> Then what? What are we escalating? >> I just I don't want him to yell at me. Like. >> does he yell at you? He screams. I mean, he gets like he just gets a little. screamy sometimes, >> but it's like it's just kind of like. >> No, no, no. Tell me about these. conversations. This is important to. know. >> She's kind of been the bread winner, and. I've been trusting her that she's.

keeping up with what she says she's. doing. And uh I've also been noticing a. lot more that she likes to kind of keep. up with the Joneses. Like her sister. does something, she needs to do. something. >> I love lifestyle creep. And. >> you have a little boo boo creep. It's. not even lifestyle. >> And she sees influencers and she like. wants the boo boo. She wants the she. wants the bag from Disney. She wants the. >> We're going to do a little thing where. the other person can't hear what the. other person's talking about.

>> Okay. So Brad cannot hear us. And I'm. doing this so that he can't read my lips. either. I just want to know first. I'm. just going to start. How has he. contributed to this financial situation. in your perspective? The financial. situation that we are walking into now. and having a conversation about. >> I think he's given me um a sense of. stability to tell me that this is really. important to get financially secure. Um, I think what he's, of course, he's.

providing his income, which is a big. part of it, but I think what he's trying. to tell me is that we need to stop. spending things for treats and we need. >> So, him stepping in and being like, yo, we got to control this. That's his. contribution. So, it's all on you. And you've done what? Nothing. At the. beginning of the year was when we had. the big conversation and I have your. last month. I did try doing stuff like I. did um. >> tell me how much the household spent. last month.

>> We know what comes in about 10k 9 What. is it? 9,200 9,400. >> I think maybe like 11. >> Okay, it was $22,229. You don't know what the is possibly. going on. >> I did not know it was that much. >> Are you prepared to be a single mom. here? Because the dude is literally. confronting you, ready to leave if we do. not solve this. Ready to leave you. If.

you do not step up and actually bring a. sense of maturity to this relationship. for the first time in youring life, first time in 9 years, you ready for. single motherhood? >> No. >> Cuz that's what's next. >> No, I'm not. But I I. >> Why haven't you changed a single thing? Cuz that's this last month is $22,000. >> I It was a lot. I mean, it was a lot of. things that happened. And like I just I. I I spend the card to be able to pay for. our normal, you know, day-to-day things. I did things like I paid for um you.

know, our trip that's coming up in. January. Like. >> $750 went out to eat. M it shopping is. $1,500, but even more so miscellaneous. [ __ ] It could be video games. Could. be whatever. Could be tennis. I don't. even know. It could be anything that is. miscellaneous [ __ ] 4,127. That's your critical expenses needed to. survive. I'm. I I I needed to I So, this is the thing. So, I got I I got this thing with uh. with AMX, which was American Express,

the platinum card, where I got these. points. So, what I wanted to do is I. wanted to pay for our vacation. So, that's what I did. I paid for our. vacation that's in January, so I could. be able to get the points vacation. >> I can't end the vacation cuz the tickets. are re. >> Here's the reality. You're choosing a. vacation over your husband staying with. you. Well, it's for my family. >> For your family. However, he said he. needs to you guys, you need to fix his. financial situation. You're part of it. or he's leaving. And this is something.

that you are pushing for. This is. something that you are paying for. How. much did you spend on PopMar last month? La boooos. >> probably like 700. >> Yeah. Yeah. And he's willing to leave. you. And you're choosing $700 in La. Boooos. That's what you were choosing. over your marriage. and your child. having a fully combined household that. doesn't have to go back and forth every. week. When did you learn in your. perception that things were so dire. here? >> When he told me that he was going to. leave me?

>> A month ago. >> Mhm. >> Not a year, not 6 months ago when he was. asking how your finances were and you. were just like, "It's okay. It's okay. It's okay. It's okay.". >> I mean, he he never, >> you know, he never asked about it. He. was just like, you know, seeing things. coming out and I was just buying stuff. and it was, you know, it didn't matter. cuz we make a lot of money. We make. almost $10,000 a month. So, I mean, if. if we figure out a budget, like I'm. hoping that you're able to give you're. able to give me later on. >> So, instead of you taking any.

accountability, any action, any kind of. effort on your end, you're waiting for. me to come fix this. Good luck. >> I need a budget. That's what I need. >> Congratulations. use literally any. budget and preferably mine but it would. have done it automated. >> I do use it. >> That's great. How would you say that you. spent. >> only 50% of what you actually spent last. month? Incorrect. Lies. [ __ ] I want. to talk to him now. When did you start considering whether.

or not you guys should divorce? >> Saw the balance of how far we were in. debt. like we brought in like we had a. conversation earlier this year. I. thought we were on the same page and. thought we were going to do well like we. were sold her car. >> in this same page the 6 months ago. How. clear were you trying to ask about her. financial situation trying to understand. it? How clear were you? >> Uh not very clear. I was trying to take.

on the aspect of being a trusting. husband. I was trying not to be mad. I. was trying to like, you know, let her. come to me if there were any issues cuz. up until recently, I didn't think there. was any issues. >> And you brought up the divorce a month. ago, but you said you started thinking. about it when you saw the balance. When. did you start seeing the balance? >> That the same day basically. >> Really? >> Yeah. >> Have you started to see any change? >> Yes. I have been putting my foot down a. lot more. Um, >> so it's you. It's you stepping up. It's.

not her. >> It's me. I am worried about my son. I'm. worried about us as a couple. Um, I grew. up maybe lower middle class and went. without the things that I wanted and I. want him to have those things. So, it's. very. >> Well, why have you put up with her out. of control spending for so long? >> I love her. It's. hard. Like, I want us to be a whole. family cuz my parents divorced. Uh, I.

don't want my son to grow up in this. same situation. >> How long are you going to put up with. it? How long How like there might be an. instant change, right? Especially if. you're the one that's honestly forcing. the change if we're being honest. But. how long are you willing to give her. before you call it and pull that. trigger? What are you willing to do in. terms of time? >> I'm willing to work with her to fix this. situation. I know, but what's that.

timeline. >> again? >> Again? What if she's continuing it. without you putting your foot down? You. can't put your foot down endlessly. That's not That's not something that's. going to lead to a Huffy L relationship. forever. You controlling that's not. going to do anything. >> Well, I did. >> In terms of permanent change, that's. just you fixing it. >> Yeah. I didn't know her spending was. this bad. I just. >> And how long are you willing to put up. with that? The Let's say you take your. foot off the pedal now and it continues. How long are you willing to put up with. that before you say, "Okay, that's it. we've done it. >> I don't know. But I know.

that point when I'll get to it. Basically, it's hard to say. Like I. said, I love her. I don't want my son to. go in a broken household. I'll know when. it happens. >> The reality of the situation is, I mean, you guys were on the same page about one. thing. One thing, and that is the fact. that he agrees. He did not communicate. effectively 6 months ago that he really. wanted to understand what your finances. were. It was a light communication, but. why do you think why do you think he.

didn't push hard to truly understand. your financial situation 6 months ago? >> And I think what both of us we just try. to avoid confrontation when we have. stuff like that happening. >> in a way. Yeah. Kind of sounded like. that. I mean, he didn't want to be. overbearing. You know, he loves you. He. didn't want to be that overly. controlling person. But what you guys. were very far about is you think you're. making changes. However, he completely. disagrees. He thinks he is putting his.

foot down and forcing you to make. changes and you're not actually stepping. up. He thinks the only reason you are. doing anything. >> I am I am stepping up. I have stopped. buying buying just random stuff, random. [ __ ] Like I've gone and just, you know, >> I I I haven't bought anything. I haven't. bought anything other than what we need. for the house. >> All we do is fight about money. So,

>> right now, I He's He's seen me put my. credit cards in the lock box in our. safe. He's seen me only buy stuff at the. grocery store or only pay for gas. I. haven't been spending money anywhere. else. >> And I constantly have to shoot you down. on this cutesy little item from Etsy or. at the store, whatever. Doesn't really matter where it's coming. from if you're spending money on it. I.

mean, it's the reason why I'm spending. money on it is because I, you know, I I feel like I lost out on my. childhood just not being able to have. things like this, you know, like. >> Shut the [ __ ] up. Wait. Oh, I mean, come. on. >> Yeah. I think eight years at Disney. should kind of make up for a lot of. that. >> No, I I. >> Yeah. >> Wait, eight years at Disney? We've had. Disney passes for 8 years. You can't.

afford. you can't afford anything. He's about toing walk and you're. choosing Mickey, >> buddy. He completely disagrees. >> I love Disney. I love Disney, >> which is fine. >> It's It's part I mean, it's part of my. childhood. Like, >> turn on the Disney Channel. You always. wanted to go. You've been going for. eight years. >> You've been going for eight years. You've always wanted to go. You've been. going for eight years. You can pause. They have new things that happen all the. time at Epcot. Like you you can like I. like going.

>> Ginger's dick. You got to choose. >> God, I've I said the same goddamn thing. >> You were standing up and you were. talking about this too. >> Yeah, I know. Evan, >> what's your push back on the Disney? >> Uh. >> he just doesn't go. She likes these like. little one night. >> He doesn't even go. >> barely. It's like sometimes he just. doesn't go like he's just like. >> this is just for you. >> It's for me and my son. Like I want my. >> two.

>> He I mean he likes the characters. He. likes going. >> He hates he does really like the. characters and he really loves Disney. Like I. >> too. He can't remember things for at. least the minimum another year. >> He likes the watermelon from the. freaking resort. That's what he likes. >> I mean he likes the food. I There's like. >> There's other things there too. There's. like playgrounds like like Epcot has. like this little water like feature that. he likes to play. >> Disney. You don't have to defend it. He's two. He is two. He has no memory of.

this. >> I'm getting him into like. >> he's two. He has no memory of this. >> Also, his father's about to leave. What. do you think his timeline is for leaving. if you don't change? And again, he says. you're not changing. He is saying he is. forcing you to change. But essentially, the insinuation is if he stops putting. his foot down, you're just going to go. wild again. I don't think that's true. >> Why? >> I don't think that's true. Because I'm. changing I'm changing. I I I've I.

applied for a job that pays a lot more. Um I'm going to use that. >> Round of applause. You applied for one. job. [Applause]. >> Big change. >> It pays a lot. >> Yeah, but you applied. We can all go apply for jobs. >> I have I have a I have great experience. I have really. >> This is This is not an employes market, >> especially in it. >> I couldn't test with especially in.

literally the field that I'm in. >> The Bureau of Labor Statistics disagrees. with you. This is not an No, no. I am. saying that's a that's a great job. I'm. sure. >> pays 15. >> That's a great job. I'm not I'm not. disagreeing with the job existing. You're not in a job market right now. where you can just walk into a job. A. lot of people are going to try to get. this job. This is very different. >> than it was 2021. >> I disagree. I feel like I'm very very. highly valued and I think I'll probably. get the job. >> So, >> okay. I hope so. I'm glad you applied.

Applying is not a I'm making a change. though. You literally applied for a job. And also, no offense, but someone like. you that just blows all their money, >> it's not an income thing. We already. know you guys make incredible income. This is not you needing to go make more. money. That is not the change that we. need to see here. This is you cutting. back, making sacrifices, not going to. Disney every second of your life for the. sake of your family. This is not a you. go get a better job. That is nothing. I've brought up. I did not bring up once. that you guys are not making enough. money. You guys are making stellar. money.

Brad, what do you think the household. spent last month? The month that she is. changing, the month that you put your. foot down. What do you think the. household spent last month? We know what. comes in. 9,200. What was spent? >> Probably 11,000. You both said the same. It was 22,000. >> 22. >> That's putting your foot down. That's. her making a change. That's so I'm a. little concerned. >> Like I said, that's not normal expenses. Those are expenses for. >> for a future trip that we want to do.

Critical for survival. Critical for. keeping our marriage together. >> My sister is getting her vows renewed. and I really want to go there. >> It's a vow renewal. I don't give a [ __ ]. I'm sorry. I don't. >> She couldn't. So, we couldn't go last. time because she. >> And it sounds like you can't go this. time cuz you [ __ ] up everything. >> She got married on insurrection day. So, she wants to have her vows renewed. again. So, she got married on January. 6th, insurrection day. So, she wants her. vows renewed. And she wants. >> celebrated every year. >> No, no, no, no. She wants her family.

there to be there for her vow renewal. >> Are you saying your entire family was at. the capital on January 6th? >> No. I'm saying she got married on. January 6th. No one could be there cuz. it was in the middle of CO. So, she's. having a vow renewal for us to be able. to go and celebrate their love, which I love. I love But I mean, that's. where you have to communicate to your. sister, hey, I completely up my own. marriage by destroying the finances. You're spending how much on this?

How much on this, Bradley? How much on this? >> Uh, she told me 5,000. What? For a trip. to Vow renewals? What the are you on? That's not a trip to V. Where is it? >> Hawaii. >> Oh. Oh no. That she can't feel then she. can't feel bad if people don't come. If. she's doing a destination wedding in an. expensive place like Hawaii, that's on. her. >> We never been to Hawaii and I've always.

>> Congratulations. You've also never had a. successful marriage where you both. understood the financial situation in. the marriage and now you do. and it's. headed towards you guys jumping off a. cliff in Hawaii. So, >> or push her in a volcano. I don't know. >> I I I really want to go Hawaii because I. never really went I never really went on. trips when I was a kid and it's going to. be like a nice bonding experience with. my family, you know? It's it's just.

that's why I want to. >> I care about you guys. This bond staying. together and also. >> I mean he's coming with me. My son's. coming with me, too. And we're. >> the one that doesn't have any memories. to form. Yeah. >> I mean, he's going to go and see his. family like my side of the family. >> Not remember it. I What? >> Yes, he won't. >> No, he won't. He is not in the memory. age. >> He'll look at pictures and he'll. remember when he's. >> Nope. Those are false memories. >> I can't refund the trip. They can't give. me money back for it. And I had thought.

about canceling it, but. >> How much have you spent? >> Uh, about 6,000 for it. >> Number keeps going up. >> Why is it costing six? Yeah, that number. is going up. Why is that number going? No, no, no. Pause, Brad. Why is that. number going up? Let's talk about. student loans. I know it's something we. all want to avoid talking about, but if. your private student loans are crushing. you, why refi might be exactly what you. need. They don't rely on your credit. score alone. They look for borrowers who. have the desire and ability to repay. That's a gamecher in a market where most.

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time to reach out. Yi wants to help you. climb out of debt, not push you further. in it. Check them out at. yrefi.com/hammer. That is yfy.com/hammer. or call8 yrei-78. That is8 yrefi-78. Break free from the highinterest trap. and get your finances under control once. and for all. >> Girl math. I I I mean it was other. things too that you had to add on it. like um.

>> Well, first of all, why is it $6,000? >> Because the flights are expensive to. from Orlando to Hawaii. They're very. expensive. >> I made a joke about first class. and next thing you know, she comes be. like, "Oh, I bought first class. tickets.". >> I didn't buy them. They came with the. points for AMX. >> Then why is it costing us $6,000? because they came with the points with. AMX and they got applied and I needed an. additional amount to be able to pay for. the rest of it.

>> Thoughts? Dude, what are you doing? He's on his. way the out and you're getting first. class Hawaiian tickets. What world are. you living in? And I am sick of this. childish this child excuses. I didn't. travel as much as a kid. Who gives a. ever about that? Stop being a literal. baby. That is the most baby excuse I've.

heard about anything. You know how much. I haven't done? You know how much I. didn't do as a kid? That means I have to. go do it all and risk my entire. financial future for it. That is. ridiculous. That is moronic. Beyond moronic. So. guys, I didn't live in a $10 million. house as a kid. I lived in poverty. Go experience that. I was getting foreclosure notices on my. house as a kid. You want to give [ __ ]. You want to jerk this off? You want to. jerk each other off on the poverty fest?

>> There were some times that we didn't. have food on the table for dinner. There. are there are times that you know my. mom. >> What did they spend all their money on? Let's be honest. >> My mom and dad very poor. >> Very poor. But where did the money go at. all times? I had spaghetti for dinner. every single night. It's all we could. afford. Blah blah fores. You don't need. to do a poverty jack off class. We've. all been there. Okay. Okay. We We all. grew up lower. >> That doesn't mean you go and completely. repeat the cycle and make sure your kid.

gets. >> I am just trying to fill the holes that. I had in my childhood and I feel like I. pay my bills so I deserve things. My. family deserves things. >> Yeah. Entitlement do you have? No. I. think the one thing that is deserving is. your kid was born unconsensually. That. kid did not have a choice. So, set them. up for success. Instead, you care about. getting pictures of them when they have. the inability to make memories. Instead.

of setting them up for success with a. college fund, with retirement for their. parents so they don't have to put their. life on hold in their mid20s, mid30s to. fund their parents because their parents. did absolutely nothing. All for the sake. of images and lab boooos. Filling the. holes. You filling your holes. How about. you not repeat the cycle? Cuz you're. repeating the cycle if not even worse. Cuz you know what's sometimes worse than. being poor? Wealthy people that get. themselves into an inescapable position.

cuz poor you can go up when you become. in uh this position that you're in where. you're having a little bit of fun now. You make it so you will never have a. future and you will be fighting and. fighting and fighting for the rest of. your life to settle debts to go through. bankruptcies to try to exist. to try to not have your mortgage taken. away not have your house taken away. I. feel like we still make good money and I.

think that. >> you do make good money. You are pushing. it to the edge. We know that your. household income net is what has totaled. your entire bad debt package. >> You know what it it's not going to like. this debt's not going to matter when. >> Go on. >> I honestly I just think yolo like it's. it it's. >> yay for the kid, yay for you. What the is wrong with you? >> I mean that's not going to matter when. you're dead. when you're dead. But if. you want to pass any assets onto your.

kid, it sure the [ __ ] will cuz they'll. have to settle your debts. So you're. just going to accumulate all debt. forever. Good luck really over the kid. and any future ones that come about. >> He's going to be the only one, but. >> Well, so you'reing him. >> because we can't afford another one. >> Yeah, I would like to have another kid. So. >> Well, are you serious? So, we want to. have another kid, but we can't afford. another one. Because if your actions and. your selfishness and inability to change. without him putting his foot down, you. will not have another kid. The.

household, the life that the family that. you guys want to have, you are. prioritizing. To be clear, Laos, like literally. over future children and over your kids'. future. What the [ __ ]. I think she should have an ultimatum. I. think you are correct in the ultimatum. you gave. thought maybe it was a little. dramatic at first. No. What the [ __ ]. You guys want to have another kid, but. you're saying this is the only one. because you cannot afford another kid. When in fact, you guys compared to the.

median household in the United States. should be able to afford another kid. more than anyone. Median household in. the United States, what is it? 65. $65,000. Austin's like $75,000. Orlando, I'm sure it's around there. You guys are. well and beyond. You guys are the ones. who can have a large family and it would. be perfectly fine. No assistance needed. Set them up for success. And you are. saying no [ __ ] it. Yeah. Huh? Bradley thoughts on hearing all that cuz. what the what the [ __ ].

It's been my thoughts for quite a while. Honestly, I can't I'm having I have. trouble verbalizing it. I'm very. introverted. So, um and. >> introverted. You have to be able to I'm. introverted, too. I can stand up for. myself with my significant other. You. know, it's only been like 7 months. You. guys are 9 years. It's a little. different. But that should even suggest. more than anything that you should be. able to stand up for yourself. Uh just.

we were doing good for a while and then. just lifestyle creep, inflation, and I was just kind of used to her. making all the money cuz I honestly I. was going through college when I we. first met. I was trying to get out of. the automotive field, go into it, make. more money, make better money at the. less. expense on my body. Uh, and I guess I just got used to calling. her mama warbucks and was trusting her.

to take care of everything. >> You tr Why? And what did we set up the. trust? Where did that trust come from? Cuz look where we are today. It's going. to take us a while to go through this. I. can tell. >> Yeah. >> Where did that trust come from? Or was. it this just the trust in marriage? Trust of love. >> Trust in marriage and family. >> And now that trust of marriage, love, family, is it not broken? >> It has been. Yeah. >> What are you going to do about that?

Certainly ain't $6,000 and first class. tickets to Hawaii. >> I can't cancel them. I would I would. love to cancel them to make our. relationship better, but I can't. So, I. guess we're going. But. >> sure, $22,000 of spending making 9,200. >> That was just a oneoff. >> One off. You That is not true. It always. gets replaced with something else. We. all have weird months, but every month. is weird. Everything gets the weirdness. gets replaced with something weird the.

next month. >> I don't know. Just the last job I was. making well over six figures. So, I I. felt like that, >> you know. So, we don't have the maturity. to adjust. >> Well, I mean, I when I when I was making. that much, I felt justified spending as. much as I spent. So, um. >> But you were probably overspending or. else you wouldn't have been in credit. card debt. That that still doesn't make. sense. >> Well, to be fair, she we didn't have a. kid at the time. We also had one last. dog. We were living in a living with my.

mom. >> Then why extra going into credit card. debt? Well, we were in debt when we were. living with his mom. Like we I actually. saved that was like back in 2022. >> So into $80,000 of bad debt in a couple. years. >> Yeah. >> On just her actions or would we say. combined? >> I would say combined mostly meme. >> Brad, do you agree? Um, I admit I'm not the saint or a saint at.

the very least cuz when I see her. spending money on herself, I get jealous. or envious. I don't know the correct. word. But I also. >> then what do you do? That's an immature. reaction. What are you doing? >> Well, it depends on your action after. But. >> well, I'll buy myself a computer monitor. to get myself. >> How many times can you do that? >> A computer processor. Um, it's not very. often, but. >> he's a gamer. He was listening to Zelda. in the headphones.

>> Yeah, [Laughter]. >> pretty close. Yeah. >> And he's been he's been since he got. here at 9:30 a.m. He's been down in Hard. Mountain Dudes, by the way. Is that. what's in the mug? >> Yeah. >> All right. Brad's a [ __ ] creature. I. do want to mention something that I have. seen on your shows and you probably will. think this is pretty interesting. Um, so. I'm actually a Marine Corps veteran. Um, but I don't receive disability yet.

>> Wa the first one ever. And again, it's. not that disability is bad. It's just. interesting that it's been literal like. a hundred people on the show or. something. Many of whom never went. overseas or did anything well. Why? Um, so I am working on trying to get. something but. >> Okay. Well, for [ __ ] sake. Okay. >> Right now I get medical. >> And what was your service? >> What? >> What' you do? >> Uh, well, I was in basic training, then. I got hurt. So, I got out.

uh after like several months. So, um, but I got hurt. Yeah. So that's why. >> I'm going to go 3 2 1 go. And on go at. the same exact time, you guys are going. to give me your household financial. score. Okay. 0 to 10. Zero being the. worst, 10 being the best. 3 2 1. >> Three. >> You're the one [ __ ] it all up and you. think you're higher. Why?

>> Uh I mean I I feel like the income's. there. I feel like um you know we have. we have 401ks so we have some kind of. retirement. >> How much is in our 401k is at 35. >> Mine well mine's not a 401k. Mine's an. IRA. So mine. >> No, your guys's retirement is $17,578. Dramatically behind. That would be about. a 1 out of 10 for retirement score. Dramatically behind for 35. If at your. income levels, you'd want to be at about.

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dollar-wise budgeting app. Take the free. trial. Take control of your money. And. if you sign up for the annual version to. save a lot of money on the premium. version, I will sign our budget friendly. cookbook that can't be purchased. anywhere else. And I'll mail it directly. to you. And if you want all of our. educational programs and the premium. version of the budgeting app combined. for 80% off, go to dollarwise.com and. join dollarwise central. It has. literally changed tens of thousands of. people's lives and it can change yours. as well. Okay, we're going to get into these. financial documents cuz there are a lot. of them. By the way, miscellaneous.

[ __ ] told her didn't tell you $2,500. in those last month. That doesn't. include going out to eat. Doesn't. include unknown purchases which are. usually Amazon, Walmart, things like. that that we cannot tell what they are. So real bad. Now credit cards, they tend. to be with you guys quite separated. Not. a lot of authorized users, right? On. each other, not a lot of sharing in. between. >> Not necessarily. We do we do have a few. credit cards, but they don't have any. balances on them. And we do have. authoriz those that if we have credit.

cards that don't have balances on and. then I have this stack, that means you. guys have way too many credit cards. >> Yeah. >> Crazy. What's the Who has the American. Express Platinum? >> That's mine. What the [ __ ] is going on. with this card? >> That's the card that I use for travel. So, every time I travel somewhere, I use. it for um. >> every time I travel somewhere. Why? If. you know you are drowning in debt, and. even if you wasn't aware of it at the. time, you at least knew you were. drowning in debt. You could pay your. minimum payments. That is certainly not. enough, but you were drowning in debt,

certainly behind on your retirement. Why. the are you allowing yourself to. endlessly travel? >> Because I told myself that I would. travel when I got older, and it's not. It's this weird obsession with your. childhood and your adulthood. >> because like I mean I separation I like. going on vacation like I like visiting. my family. I like visiting his family. He wants to go and. >> you like wants likes wants likes wants. need. Haven't heard it. >> I mean you need to see your family every. once in a while. >> Need critical for survival. Listen I.

very much want it. Highly support it. Definitely a top want for sure. You guys. will break down and die and your child. will die in poverty if you do not see a. family at this exact moment when we are. dying in credit card debt. Road trip it. up. Where's the family? >> Uh my family lives in New Mexico and his. lives in Illinois. >> Perfect. Easier road trip. >> That's a long road trip. >> Yeah, we've all done it. Come on. >> That's really long. Have you seen the. size of Texas? >> Yes. >> Like Texas. I live in Texas. >> Yeah. It's 3 days of driving in Texas to.

New Mexico. I would say it's a full day, but. >> No. No. Not through I 10. >> Yes. Unless you guys stop every. >> 6 hours to sleep. >> We have a toddler. Like we have to stop. Like. >> fair. That's fair. >> That's fair. Uh but also remember the. toddler does not need to see the family. I understand the family wanting to see. the toddlers though. Shouldn't be traveling like this. And. even if we are, I mean, flights to New.

Mexico and uh Indiana, Illinois should. not be the absolute worst. You guys are. living this up or doing it way too. often. Cuz listen, the balance here is. $7,747.94. with a minimum monthly payment of $2205. New charges even though we can't pay it. off. Well, [ __ ]. Well, no interest there. Count of fees. $560 of fees. What the [ __ ] is that? >> The annual fee.

>> Oh, dick. Why do you need this? You don't need. this. >> Yeah. I need it for the lounge access. because we have a kid. >> No, cuz you shouldn't be going on trips. >> I think we should. >> You think you Okay, congratulations. There you go. You've heard it again. >> Brad thoughts because what the uh she's. not changing. >> I mean, life is enjoyable and. >> she's saying I believe I asked Brad a. question. I want to be the main. character. >> I still asked Brad. >> Oh, okay.

>> Well, she definitely has some big main. character energy. She likes to be front. and center on a lot of things. And. >> I'm a Leo. What can I say? >> And. I'm a Leo, too. You know that, right? >> Act like one. >> Well, it's almost like it's all made up. >> Yeah. Almost like uh I didn't $60,000 in. debt. Our patterns change based on our. trajectory in the galaxy endlessly. What. the are you talking about? This is just.

what it looks like right now. The night. sky and changes in hundreds of years, especially thousands. >> It goes deeper into that. It's like. about spirituality. And. >> I agree. Come on. What? What else? >> I said the same thing. Uh. >> she says she's not willing to change and. it's close to the Leo. >> That's an interesting please don't. divorce me tactic. Yeah. I I don't know. >> I think we should still have fun with. our lives. I think I don't think it's it. should all just be just bills and.

>> it's only all bills because of what. you've done though. It shouldn't be. You. actually would be able to budget in a. lot of fun. But you have prioritized way. too much fun to film some deep bull. trauma if I'm being completely honest. Like you go see a therapist. Don't over. your entire family. Go. >> see a therapist. Go see a therapist. instead of over your family. It's it's ridiculous. Your life is all. bills not because of what you have done. it and because of the life that you've. lived. These are the consequences of. your actions. Now, your lives aren't all.

bills because you make no money and. you're just trying to afford to survive. This is where you put yourself. So, yes, actually life should be all bills based. on what you've done. These are the. consequences. Welcome to the world. Welcome to reality. You're living in it. You deserve it. >> I just don't have any financial. literacy. Like I've had to learn all. this stuff on my own. I've had to learn. how to use credit cards on my own. >> We all don't listen to me. >> I mean, my family, they never had a. mortgage. None of them retired, nor none. of them had credit cards. So, I had to.

learn all this stuff on the go, you. know? I used to be homeless. I used to. have to learn how to open a bank. account, how to go to college, how to do. student loans. Like, I had to learn all. of that on my own. >> Let me play a sad song for you on the. world's smallest violin. >> Okay. I mean, most of that's pretty. chill. I personally would rather come. from a family that didn't have credit. cards cuz the first thing they told me. at 18 is go get a credit card and max it. out on something you want. Basically, >> my grandpa told me that if you get a.

credit card, just buy gas on it and then. pay it off every month. >> She completely negated everything she. just said. Sounds like she actually did. get some financial advice when she was a. kid. That's the only thing though, but. my grandpa. >> until we discovered the next thing. because you immediately came in with. that in the back and forth. So, you had. more actually you had more credit card. financial responsibility taught to you. than the average American including. myself and probably him. Well done. No. one needs to teach you how to apply for. a mortgage. That's fine. Who you don't.

need to know that at 18. Student loans? I mean, that's pretty chill. Again, I. know you're 5 years older than me. You. had access to the internet. You had. access to student counselors. Okay, so that one solved. Mortgage, don't need it. Credit card, you got the. advice. Personal loans I shouldn't be. talking about. Uh what's our other. complaint? Our other w homeless. That. sucks. But that again doesn't if. anything that teaches you not to repeat. the cycle, not wanting your kid to go.

through that. If anything, that's one of. the reasons, again, I was not in that. bad of a financial situation, but one of. the reasons I took finances super. seriously in my slightly early and then. definitely mid20s was because I came. from a financially unstable household. So, you going through that should. encourage you to have gone out there and. actually try to better it for the sake. of your family and your kid. So, I don't. want to hear those [ __ ] excuses. None of us come from financial literacy. It's barely taught in school. Some. states, yes. some schools districts,

yes. But come on, it's a Passover class. Sometimes it's an optional class and. sometimes it's not even taught. So, move on. So, she thinks you guys shouldn't. prioritize bills in your life. >> I mean, I think we should, but I think. we should also, you know, think about. having good memories. >> I don't think so. That's kind of not what you prioritize. having memories. What are.

>> you going to do? Just stay stuck at home. and do nothing. >> There's a lot of things to do besides. just going on massive trips and. expensive parks. There's a lot to do. >> Yeah, we have a pool in our neighborhood. that I pay. >> What is [ __ ]. >> That's what a pool is for. >> Pool. that anyone in Florida. >> Couple hour drive from the ocean as. well. Get a picnic going. Well, I guess. that's true. Yeah, that sounds like a. like a good idea. >> Yeah, and it's true. It's free for the.

most part. >> Well, it could be a cheap picnic, too. Like, I'm okay with spending a little. bit of money. You guys make money. I'm. not going to give you a $0 fund money. unless it's like so tight that you can't. even come close to affording life. Okay. And these minimum payments are certainly. going to stack. This is just one. document and it's $220. Uh, wine and spirits, swab tactical, vera Bradley sales. going. in getting some [ __ ] Come on. What. the is happening here?

This statement is ridiculous already. Central Florida Zoo, I think. >> That was for my son. I took him out on a. >> twoyear-old. Twoyear-old wanted him to go. >> If he's five, we're having a different. discussion. He is two. And understand, >> what is he supposed to do? Just stare. and watch like a screen at home all day? Like, >> are you a bad mother? You can't think of. anything else? I mean, the zoo is. >> Coco Lemon is the only thing you can. think of that's not a zoo. >> Do not show him Coco Melon. We don't.

>> Coco Melon is like that's like brain. rot. No, we don't show that. >> But if you can't think of anything else. besides going to a zoo for your child, I'm. >> go to Disney. >> That's why we're in this. >> I mean, it's free every time we go. >> No, you pay for a pass. >> It's free every time we go, though. >> But you're paying for a pass. And I I. And that gets you a discount in in park. purchases, right? Like you're still. paying for things while you're there. >> I don't I usually don't buy anything in. the park.

>> You usually buy things in the park. >> Churros. >> There's no churros there. What are you. talking about? >> Yeah, cuz you eat them all. >> Like there's sometimes that we'll do the. character meals and stuff like that. That's something. >> But not that often. Usually I'll just. bring snacks for for my son and you know. we'll just. >> backpacks that. of which the producers. were told that you sometimes spend about. 200 to 300 every visit visit trip to. Disney on food and. >> that's not every single time. It's not. every single time.

>> That's what you told them on the phone. So you Oh, you're on camera now changing. your tune. Uh-uh. I don't think so. I. trust them. They're much more willing to. share all their deepest, darkest secrets. when it's just over a phone to the. producers. Once they get on camera, they. get a little nervous and they a little. backtrack. Not going to allow it. not. going to allow it. Especially Colton, he's a sassy gay. He. can get anyone to tell them anything. Like anyone like him and Lindsay both.

combined are an ultimate. >> Told you that in confidence. >> Oh my god. Uh, rest stop, creator shop, food court, cafe, Uber Eats. Uber Eats. We're. choosing Uber Eats. When you're. complaining about bills, you're really. just complaining about affording Uber. Eats and going to Disney, getting merch. and zoos. It's a 2-year-old, by the way. These trips you're doing for the. 2-year-old are for you.

That is the reality because it's not. really benefiting him. >> Obviously, stimulation. Yes. A lot for. kids. a lot for kids that doesn't. necessarily need to involve zoo, Disney. trips on flights, Hawaii, first class. >> So then what are examples of things that. are free for a kid? Like we, you know, we give them a coloring. >> Oh my gosh, parks are fantastic. I don't. know if you've heard of them. >> It's hot in Florida. >> It's hot here at Disney. It's hotter at. Disney for some reason.

>> Is true. >> I've sweated my ass off at Disney way. too many days during the summer. >> And I bet that swamp ass stink looking. at you guys. Level two swamp ass. >> So, I like to tell you guys exactly what. I'm doing with my own money, my own. investing and things like that. And a. lot of you know that I was investing in. an app called Mumu for a while. That's. where I was doing my brokerage trades. But honestly, I decided I kind of wanted. to move on from the over complexity. because it should just be simple, honestly. So, I decided to search far.

and wide for a new partner to work with. to move my portfolio over and to trade. out of in a consistent basis. And I. picked Weeble because they have a great. reputation online. So, I got with them. and I was like, "Okay, I'm going to. switch my stuff over." And a lot of. people in the audience, maybe they want. to switch their stuff over as well. because they kind of like to follow what. I do when I put my money places. So, we. worked with them and we negotiated some. incredible signup benefits and transfer. benefits. If you decide to use Weeble,

it is incredible. It is such an upgrade. of a platform, and I wish I did this a. year ago or so, and I feel dumb that I. didn't. So, here it is. Right here in. the description, you can see you get a. $200 to $30,000 cash bonus when you sign. up or transfer. Also, 12 months a Wall. Street Journal premium, a 3.5 IRA match, and 30 days of Weeble premium. So, listen, this is such an upgrade. I feel. like an idiot again that I haven't done. this forever ago. That's where I moved. and I think that's where you should move. as well. Check it out. Top of the.

resources section in the description. below. Cafe, Chick-fil-A, McDonald's, Photography, Cafe, Getting BS, Getting. BS, Bath and Body Works, Old Navy, Old Navy, Chipotle, Disney. Plus, Old Navy, >> Old Navy. >> And you also insist on staying at Disney. property even though it's super. expensive. And you live in Orlando. I like the experience of staying at the. hotel. >> First time she did and deflected to her. kid. I guess we can give her a high five.

for that. >> Yeah. Well, she can't take me cuz I hate. the freaking characters and the meet and. greets. And. >> I have to see Goofy one more time and. punch him in the face. >> He He does it for me. I like Disney a. lot. >> Yeah. And I've stopped doing it. Get the. hint. >> Huh? >> I would like you to continue going with. me in Rowan. I don't want to go. >> Okay. >> I'm not anti- Disney. You guys can. afford to go to Disney. Go to Universal.

Switch it up a little. I don't know. >> Yeah. >> Go to Cedar Point if you want real. rides. Trust me, much more fun. >> The zoo is cheaper. >> But you have prioritized you over living. for so long now that now it's time to. pay for everything you've already done. and then you can budget in doing more. things in the future. Oh my gosh. This. is crazy. This spending alone on this. credit card is crazy. Here it is. Hawaii. Barnes & Noble. Go to a library. I know you have it. Hawaiian. >> I was getting books for or for my son.

>> He is a 2year-old. Go to the library. >> It's always close. >> I agree. Picture books fun. Read to the. kid fun. Go to the library. >> You can't afford life. I mean again this. actually Barnes & Noble purchase within. itself is not bad. It is the. overabundance. It is everything that you. are doing. It is an endless stackup of. everyday purchases, living well beyond. our means and not paying on any of the. debt that we have. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. Airlines. [ __ ] off.

Airlines. Airlines. Airlines. Amazon. Amazon. Amazon. Rover for pet sitting. Uber one. And Old Navy. There's your annual membership fee. We've had plenty more fees than that. this year. Why? Uh because I upgraded. from the gold to the platinum. >> Well, also nearly $200 in interest this. year so far has accured. Great. And I'm. glad we're paying membership in order to. pay interest in order to completely our. lives. Costco. Who's is the Costco card?

>> Mine. >> Okay. And what is going on with this? >> Uh it I did a balance transfer on that. card. >> when cuz you're purchasing $1,84.99. in the last month alone. I was using it. for Popmark purchases. >> on a Costco card. >> It was it. >> at $14,364.15. with a $29.11. minimum payment. Again, Laboob is more.

important than LA. I so it was more of a lazy thing for me. because I had the City Bank on my PayPal. and I was using PayPal to quickly try to. get the Laboos because they're really. hard to get. So that's why I. >> apparently not hard enough cuz this is. Okay. Popart. Popart. Popart. Popart. Popart. Popart. Popart. Popart. Popart.

Popart. Popart. Pop. Popart. Popart. Popart. Popart. Popart. Popart. Popart. Popart. It's like a thousand full of. boooos. >> It's actually like 20. >> and they're hard to get. Shut the. 20 boo boos in one month. [ __ ] off. You're choosing this over your child. You're choosing her over him. What do. you think of 20 little boooos in a. month? >> How much do you spent total in the.

boooos? >> Uh, how much do you think she spent? >> Hopefully not more than 300. >> Try doubling that. Plus. >> seven. >> $700. >> Round it up. 700 a lot. Boo boo. And. Discord, Etsy, Swim Life. Bullsh bull bull bullsh bull bull. You're also paying she's paying her. payments for PayPal paying for on here.

So she finances something with PayPal. paying for and then she pays her. payments of her PayPal paying for on her. credit card that is acrewing interest. What the possible tit is insane. >> Oh yeah, that kind of defeats the. purpose. >> And she did that one, two, three, four, five times. five times. >> I think that the paying for is a little. easier to use because.

>> obviously not cuz you have to pay your. pay in four by using your credit card. >> and negates it. Just put it on the. credit card to begin with. >> Okay. >> Which no, I don't recommend. But that's. basically what you are doing. You're. just taking an extra step plus potential. fees. >> Yeah. Skip the middleman. Jesus. >> Okay. >> Like why? What is the logic? I don't. know. I just thought that Yeah, >> but you put it on a credit card. Why? >> I guess that makes sense. I Okay, so no, what you say makes sense. So basically.

with these Laboos, um, which I'll show. right here. >> Yes, we we haven't seen it four times. this episode. >> So basically, >> I'm living with 21 of them. >> So trying to get these is really hard. So you kind of have to. >> Why you get 20 in a month? >> So you have to be like really quick to. try to get them. Um, you know, it's like. it's like trying to like like like. refresh the page and then you finally. get it and you get the one that you want. and you do the blind boxes. >> I'm so sorry. Why are they more. important? Why are they more important.

than everything? You can explain all. this, but why are they more important? >> It's just a sensory thing. Like I like. having like collect. >> That means you only need one. >> I like collecting things. >> And that is more important. >> You haven't answered why it's more. important. more important than what? >> Paying off your debt, your financial. future, keeping your husband around, paying for your kids's college fund, retirement so your kid doesn't. >> I don't think about it when I buy. It's. just impulse. >> Okay. But you purchase it endlessly like. once every day and a half.

>> So buying the laboo is kind of like. >> I didn't get laboo as a kid. >> It's kind of like gambling, I would say. Like trying to get them online through. PopMart is kind of like gambling. Like. you're trying to get the ones that you. want and if you can't get the one you. want, you get you just keep the one that. you get. You get you get duplicates. So. I keep. >> my ass if you slap her. >> I now support it. >> That's a lie. Obviously that's a. but that is so dumb.

>> I did give one to a little girl on the. plane and she was really happy about it. And I also gave it to my nephews too, like my duplicates and they were really. happy. Like I I'm wholesome with that. >> What about our son who's. >> He doesn't know about boooos yet. >> He doesn't know about anything yet. You. take him everywhere. >> to every expensive thing possible. >> You can't use that lab boooo logic. >> I want to spoil my kid. >> Uh that ends in bad results as well. I'm.

going to be entitled freaks. Freak cuz we can't have another cuz. we're poor. I do want another one soon. >> Yeah. Well, the [ __ ] spending on the. boooos. >> I'm done. I'm done. I'm done. I I am. done boos. >> I hope so. Do you think she's done? >> I hope so. >> I'll believe it when I see it. >> Yeah, me too. That's what I Exactly. >> Honestly, like I I just get so inspired. by influencers. Like I get inspired by.

Disney influencers. >> Inspire to buy lab. >> No. When I think inspiration, I think of. accomplishing a big goal. You're buying. lab booas one every one and a half days. >> I would say like Tik Tok like they like. people like doing the like the blind. boxes. >> What about my Tik Tok where I say don't. be a financial dumb. How about that? Maybe listen to that one instead and. prioritize your family. Well, apparently. you're not getting inspired by that. >> No. Well, I I am. I am. But I I like. boooos.$8,000 of bad debt. Can't stop.

getting boo. She didn't really start. getting into it until the ultimatum. came. But. >> really, >> we would laugh at your videos. occasionally, but. >> these videos are a wakeup call for many. I see it out there. I see it out there. >> Yeah. Well, I mean, I I've gotten that. And then like another thing, too, is. like I've I've been influenced by a. couple of Disney influencers. Like, um, you know, I want to look cool and cute. at the parks. You don't? >> So, >> why not? Like, I want a nice like diaper.

bag. I got a patunia pickle bottom. diaper bag. Like I have. >> Did you just call me? I'm so confused. >> Patunia Pickle Bottom. It's a It's It's. a brand like a Disney brand of diaper. bags. They're really cute. And I got. that. And then um I got um like these. little uh Disney little like Loo things. >> Your family is important. You and your. labs are.

not. >> Yeah. Yeah, she needed a $200 diaper bag. when we already had one. >> I mean, it's leather. It's nice. It's a. nice diaper bag. >> Yeah. And it's smaller. >> No, it's not. >> Yeah, it is. >> No, it's not. >> Can't hold as much stuff in there to, you know, take care of the baby. >> I do have a lot of backpacks and purses. >> Is the baby intentional? >> Um, yeah. >> Yes. >> Then why are we around so much? Well,

you didn't go in it with planning to now. your your entire existence should be. hyperfocused on its future. >> I mean, he goes to a really good. daycare. >> Great. Great. Maybe he learns proper. lifestyle things there. >> It's like a private daycare. Like they. don't have any TVs. >> Can we also talk about this? I know your. [ __ ] Uh food alone was very. expensive and it's probably very. unhealthy food. You know, I can say this. as a fellow, you know, chunk of junk. You know, we got some chunky junk. Okay. Your kids's probably eating what you're.

eating. And with all that fast food. spending that you guys are doing, it's. probably also not good. >> No, we we tend to take better care of. him than we do ourselves. So. >> why don't you want to be around for him? Don't. >> And I've been changing that recently. And. >> I hope so, but that's what I just heard. from her. >> There will be. >> I'll believe it when I see it. >> Some charges on there like I bought $900. worth of workout equipment so I can. start changing. >> Hey, I hate that. That's That's what. people do, right? They do that huge. purchase up front and that really fills.

that that that that reward center like, "Oh my goodness, I just made progress. I. purchased the gym equipment instead of. you could have just gone to the gym. Could have just gone on some more walks, buddy. Start there. Get into it.". Cuz this is what so many people do. That's what so many people do. >> I got stuff that I could work out while. I'm working. like between meetings and stuff. $227 in interest this year alone on Lab. Boooos. No. Okay. I mean, you can use the Fizz.

card for this kind of stuff. Not Lab. Boooos, but hopefully for needs. It's a. debit card that builds credit. We'll get. you guys set up with that. We'll also. get you guys set up with any kind of. course career certification that helps. land into any extra pay increases for. it, stuff like that. Extra. certifications always help. So, okay. And then obviously the premium. version, our budget app, you get to get. that for free forever. and our. dollar-wise central program as well. which has all our educational programs. and we release about a new one once. every month or so.

So make sure you go through those. classes together especially the. budgeting one just to start eventually. the investing one. >> Okay. And for you we just did one on. overall job market and how to navigate. it in general. You should probably go. through that with what you're looking at. in your job situation. >> Okay. Blue cash preferred. Who's this? >> That's mine. Oh, >> I have all three in a row. I have all. the credit cards. >> Well, I just said at the beginning. Okay. Wow. I really thought. >> Well, he has a Discover card, but.

>> and a PayPal, but. >> Okay. >> Okay. So, Blue Cash U, what's going on. with this? It's a smaller balance, $46.77. with a minimum monthly payment of $40. What is going on here? Why you. purchasing $41363. on of course all [ __ ]. You use Rover constantly. >> Yeah, cuz we we travel and we have to. >> Okay, then you extra can't afford. travel. Then you extra cannot afford.

travel right now. This is it's further. cementing it in. >> Well, we got to use it to come here, too. So, but yeah, we we do. >> Yeah, but we reimburse for that kind of. stuff. But you cannot extra. extra cannot travel if you're having to. pay for even more. >> Yeah. That's why I've been trying to. stay behind and take care of everything. >> Really? >> Yeah. >> You're trying to stay behind and. >> like take care of our dogs. >> And that's not a wakeup call alone that. he's trying to stay behind in order to. save money for the household and you're.

just like, "Okay, let me just go extra.". What the how is that not ringing along. >> trying to get us away from Uber? It's. like I'll I've been trying to drive or. cook more like to the. restaurants to like avoid. >> cook more to the restaurants. >> Sorry. I've been trying to cook more. I've been instead of going to Uber Eats, I've been offering to go to the. restaurant if we're just that time. >> Step in the right direction. But that's. this cook guy. >> Yeah. >> Is that not ringing alarm bells though? He is offering and trying to actively.

stay behind on trips to save money, but. you're just like, "Let's keep going. Let's keep going. Let's keep going. >> I mean, I like him to be there to help. me out with just to be there for travel. >> So, stay home. Drive to the beach. You're in Florida. You're by so many. things. You're in the middle of Florida. You can go to Miami, go to Tampa Bay, you can go everywhere. Clear water. for some reason. If you want to go to, I. don't know, Tallahassee. >> No. >> No. No. We're good. >> Or Jacksonville. >> Yeah. On here, we got Patuna. Is that.

Ben? Tuna Picklebottom. That's the diaper bag. >> Stupid diaper bag. >> Yeah, she's obsessed with the nerd. stuff. >> Yeah, I use that card for like the nerd. stuff. So. >> nerd stuff is fun. He's into nerd stuff, too, on the video game side. I'm into. nerd stuff, too. I love it. You know, little music nerd. Little music nerd. with my composer. And I also like, you. know, video games and YouTube and all. that stuff. Okay. I'm a big nerd. I.

budget in. I can afford it. Sounds like. he is as well. You're being ridiculous. with yours. Rover. Rover cuz we can't. afford to travel. Tik Tok shop. Tik Tok. shop. And Tik Tok shop. What the All. your little influencers who are just. trying to get commission on everything. >> Come on. It's a game. They're playing. commission games. >> No more liaboos. >> Yeah, those are also boooos. So now. we're practically to a liaboo a day by.

the way within that month. You know that, right? You're getting. almost on average like one Lubu a day. We're very close to that. Like give me. five more little boo boos and you're. paying for us maybe and you will have. gotten a little boooo every day the. month that we just saw. >> Yeah, that sounds about right. >> Yeah. >> Yeah. I mean I just got I I I got. addicted to it. I was on I was on. PopMart thing and I was like just. getting trying to get a thing and it. would it was like a dopamine boost where.

I would get one and I'd be like do when. they realized that uh oh I may have. fallen into a little bit of a hole. Delete it. Delete the app. Tell the. husband. >> This isn't porn. It's not me. It's not. you know like I'm not saying it's not. addictive but this isn't on those. levels. Like maybe it's a gambling. adjacent but. >> throw factor she also used to do with. loot boxes on Overwatch so. >> Oh you just fall into all.

>> mercy skins. >> did you were you on the Stanley game? No, >> you skipped Stanley. Oh, okay. Good. >> You're talking about the cups like. >> Yeah, that's Yeti. She got one from. work, but luckily we didn't. >> Um, >> get too far into that one. >> I also use that card for uh when we go. to anime conventions. Um, so we have a. Well, we have conventions that happen in. Orlando a lot, so we'll go to that. And. >> we I'm hearing we here. So, >> yeah. No, we we both go. >> Okay. You going to them? You I don't.

even know. try to get your kid to touch. them on like what's our objective here? >> Um, well, I like to look at the art and. I usually will buy smart from like um. from some of the artists that are in. like artist alley and stuff and um. >> I'm sure he loves anime art too. I've. seen it. >> Yes, we've Yeah, we've we've got a lot. of stuff. There was one time um we also. go to Ren fairs so there's a lot of. Renaissance fairs in Orlando. >> Can you guys like not do something. that's endlessly expensive like once a.

week? Like you do everything. Everything. ever you guys do it. >> It's fun. >> It is fun. I'm not saying it's not fun. I'm not even saying I don't want you. guys to go. >> We just have nerd money. But yeah, there. was one time we went to a run fair and. >> we don't have nerd money. >> Isn't that kind of the point? We went to a rent fair and um we were. getting ready for our wedding, for our. Legend of Zelda themed wedding. And we.

spent $800 on swords. before the wedding. And that wasn't the only expense part. >> To be fair, we did pay those ones off. before I went back into debt. >> No, this credit card had a balance and. you balance transferred it and now it's. going back up again. Oh, why for the would you transfer? Why. would you transfer money without. actually changing your behavior first? Why would you do that? Cuz now it's just. getting double.

>> I did it because it was a 0% APR. >> But it doesn't matter cuz now you're. just building the credit card back up. again with by the way is what we. discovered. So the now you can have. double minimum monthly payments. I do not want you guys to divorce. I do. not think you guys are bad for each. other. You have a lot of similar. interests. You have a kid. I want you. guys to stay forever. But finances is a. leading cause for divorce in this. country. And with the ultimatum already. given and what you guys talked about. when I put you guys under earphones and. everything, it's like you are headed.

there and you are allowing yourself to. headed there. Okay? You are pushing the marriage towards. collapse and that is on you. I don't. want you guys to get divorced, but you. are forcing it. How long can he be put. up with this? You're just endlessly. deferring debt, pushing it, and then. building up the other credit cards. again. It's just like, that's so [ __ ]. $80,000. of bad debts. Southwest Rapid Rewards. You. >> Mhm. >> This is a credit card that you should. easily be able to pay off with the.

previous $855 balance, but we only put. the minimum payment towards it, which is. 40 bucks. And then we purchased $4316. Thank goodness. What great behavior. we're doing. What great behavior we are. going to be teaching our child when it's. able to learn behaviors like this. Obviously, it's learning basics now. But. this is the life you want to show them. is successful. Show him. Good luck. Stitch Fix. Stitch Fix. Stitch Fix.

Stitch Fix. Guys, you're wearing Pokemon. shirts. Why are we subscribing to Stitch. Fix? We're obviously not trying to look. good. >> Well, excuse me. Okay. >> Well, shade. Yeah. Like. >> like it's it's it's fun, but it's not. like it looks good. >> Okay. Well, all right. The reason why I. use Stitch Fix is because uh where I. work at, I work with a lot of like VIP. CEO people. So, um I have to dress. really nice. So, I wanted to get a new.

wardrobe for um. >> you're paying a subscription. Go to the. store. >> I don't want to go to the store. I can't. find stuff for like plus size. >> You want to go everywhere. >> You want to go everywhere. You just. refuse to go to the store. No. Well, I. mean they have really nice clothes on. Stitch Fix and it's like it fits me well. cuz when I go what part. >> two options go to the large store or. preferably number two. >> store has really ugly clothes like. really ugly clothes. with Pokemon clothes. I'm confused. And.

then number two, the preferable option lose some weight. so you can be there for your kids high. school graduation. >> I am I'm on OMIC right now. So is it. working? Uh yeah. >> Okay. >> Yeah. >> Good. Remember though, that's a tool. That is not a behavior change. >> I know. >> it is just like a consolidation or a. credit card balance transfer or a. bankruptcy. It is a tool. It is not a. actionable solution because you can. build it all up again.

>> Well, I mean, Stitch Fix, they give you. like, you know, style advice and stuff. like that. And, you know, you pick. whatever you want from there and then. you then you pay for it. There was a fee. this year. >> Is that a late fee? >> No. >> What was it? >> Uh, that was also a card that was. balance transferred, too. >> Good death. Are you kidding me? $163 in. interest this year so far. Oh, this. balance is [ __ ] huge. Oh, this was a. balance transfer.

You all right? >> Okay. Okay. Well, we have a balance on. here of $13,832.70. with a $658 fee. Meaning with that, and I know it's. interest free for a period, with the. $13,174. you transferred, you did pay at least 5%. on it. So, paid an insta 5%. Not even 5%. acrewed over the year. An insta 5%.

probably saves you some money, but. that's if you pay it off before interest. starts acrewing, which starts acrewing. in less than a year. Oh, wait, no, that's one of them. Um, two years. Uh, a. year and a half. Got a year and a half. Interest starts occurring on this. Why'd. you transfer? >> Uh, I just thought. >> And then build it back up on the other. card that you transferred from. >> I just thought the zero interest would. help me to pay it off quicker. So that's. why I transferred all. >> paying it off quicker. In fact, I just.

saw I just saw the spending go on the. card that was transferred and building. the balance back up. Is it paying off. quicker? Did you even know that? >> I did not. >> What the. >> I don't have any money at the end of the. day when I pay my bills, so I use the. credit cards. >> Have you seen your spending, you. absolute freak? Like I am sorry but you spent literal. thousands on bull. You don't have money. after paying your bills. I.

>> legitimately go yourself. You spent it. on [ __ ]. I I never say that again. That is the. dumbest thing I've heard. Shut the [ __ ]. up. We just went through your insane. spending and we're not even through it. Not even close. You guys are destroying your financial. future. spending like you have unlimited. money, but you're just going further in. the hole. >> What do you mean? >> You have a literal $1,100 monthly car. payment. >> Yeah, it's getting a little tight.

>> $264 in monthly subscriptions. >> I didn't know we had that many. >> You guys have to take control of your. finances. >> How? Just download the Dollar Wise. budgeting app. It shows all of your. expenses in one place and helps you. monitor your finances so you're not. blowing hundreds of dollars a year on. things you don't need. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. Quicksilver, what's going on with this. yours, right? >> Yeah. Um I mostly use that for um the.

dogs or I use it for my medical expenses. like um. >> what it's worth. It was paid off this. last No, but interest is accuring. Okay, never mind. $43657. Minimum monthly payment is 25. Hold on. I didn't write down the minimum from the. last one. 138 for the last one. Yeah, these are stacking. Past choices. All of. a sudden, consequences are coming. This. is for our dog. That's why we're getting. Amazon. Amazon. Amazon. I went through. the Amazon. It was all kids stuff, by.

the way. My. chart. Yeah, that's fine. Home delivery. Okay. Well, interest is acrew and it's a. 27.15% interest. All right, discover it. This is you. again. >> No, it's not me. >> This is you. This one was paid off last. month. This is paid off every month. >> Uh, it's got.

>> cuz this is a chunky balance. Uh, I took. a. 401k loan out to pay down. I'm paying it back per month and paying. interest twice. >> Yeah, unless you lose your job and they. can call it due. It's too risky to have and you're not. even getting the advantage of having. your money in the market. >> I took a risk on that one. I'm not going. to lie. >> Why though? You make money.

All right. Balance $1,3528. with a minimum monthly payment of $35. The critical things we need to get a. 401k loan for. What was it? Oh, Sodo. Square love pop card. >> Birthday cards. Mother's Day cards. >> Sick. World Market. Go in and get into. BS. Bojangles. Fine wines and spirits.

Taco Bell. Interest so far. $542. What are we doing? 401k loan for Taco Bell. First I've. heard that. What a joke. Come on. There's bad behavior on both ends here. Certainly more on yours, but that does. not negate yours as well. >> PayPal credit. Back to you. >> No, it says. >> that's fine. That is the $900 in workout.

equipment. You. >> financed that. So trying to change one. behavior with an well encouraging. another. >> I've got 6 months to pay it off. I'm. currently at. >> better. Yeah, you're you're currently at. $639.13. Your minimum is 30, but yeah, let's see. Your payoff date is needs to be paid. off. So, probably a. Yeah, acrewing interest, deferred.

interest. Let's pay that off. It needs. to be paid. Wait, >> I'm also waiting on a reimbursement from. work to reimburse part of that. >> That's good. But you got to pay off $639. and four more payments. So, we got to pay 92 $93 a month. $93 a. month. You're just stacking up more more more. more and more and more minimum monthly. payments on this household.

>> Your doctor told you to start working. out. >> Yeah, >> I have notes. Yeah. I mean, you guys are. kind of passing that threshold, right? Like like I kind I kind of did this life. where it's like, yeah, 20s, you can kind. of be fat and doesn't really impact too. much, you know? Who cares? Guys are in. that mid30s looking towards their 40s, have a kid, things really start to get. impacted. high cholesterol, high blood. pressure, and I have been sticking to a regimen, and I've actually lost 7 lbs. >> Seven?

>> 7 lbs in two months? >> 2 months. >> Yeah. >> It's not It's actually really not good. for you. Cuz no offense, if you were. actually dieting and working out, the. water weight you'd lose alone within a. just a few weeks would be like 10. >> I'm not really. dieting per se. I've just cut back on. how much I ate. And great. Okay. Listen, uh the thing is. just right at the beginning, I've been. through a weight loss journey many. times. Like I've lost weight, I've. gotten healthy, I've gained weight, I've. gotten fat, you know, whatever. And I'm.

going back down, you know, I'm down 16, I think, the last weigh in. I'm weighing. in a couple days again. Uh. the thing is without doing much, I lost. like 10 in a month because when you're a. big guy, we're both big guys, you lose a. lot like that water weight. Not actually much work. Okay. Actually, home furniture. What the are we. financing for $4,000? >> Bedroom set. >> Why? Ashley's not great. I'll be honest.

Horrible. Horrible. The first couch I. bought endlessly breaking. Ashley, you're a company. I'll be honest. >> She wanted a new bedroom set for the new. house. >> Whose name is this under? >> Mine. >> Okay. Go on. Uh, she wanted a brand new. set. Even though we had a good one, I. >> What? Why? You already had a good one. >> So, we got a new house and I wanted the. the house to look good. And the one that. >> Boiled brat, >> you think you're entitled to everything?

It's It's disgusting. >> I wanted our house to look nice. >> Yeah. Wanted. Wanted. Wanted. I've never. had it. Oh, I never had it. >> Shut the up. No one gives a Except for. you. And you're destroying other. people's lives for it. You spoiled brat. You're entitled to nothing. Work for it. Get it when you can afford it. >> I do work for it. >> No, you don't. You've accumulated debt. for it and now you're paying off debt. >> Really hard at my job. And I. >> But you're not working for this. You're. not. I have a lot of experience. That's. why I'm entitled to furniture. What the.

is that logic? That's the dumbest. moronic thing I've ever seen. >> If you if you work hard, you play hard. Like that's. >> hard. You play within an affordable. point. >> Okay. >> What? You you you play what you can. afford, guys. She done she's done. She'sing. broken. She'll never understand this. Finances, financial responsibility. She'll never understand that concept. just hearing her language. Playing hard. is getting a furniture set when we. already had a good one. Stupid. $120 a.

month. $3,938.25. is owed. interest free for a few years. It's just it's ridiculous. Personal. loan. What the Who's the personal loan. to 25,000? >> Both of us. >> It's a debt consolidation loan. >> So endlessly transferring, endlessly. consolidating, endlessly never actually. making progress and spoiling ourselves. cuz we like to play hard because I have. never done it before. I never got to.

play hard as a kid. It's at a ridiculous 13.12% interest. rate. >> It is better than the cards. It is better than the cards, but look. what happened. This completely negates. it because you consolidate the cards and. then you spend on them again and now we. just have double the debt. That's how it. always works. That's how it's been. working with the credit card transfers, too. You don't get to consolidate. bankruptcy or transfer unless you change. your behavior for at least 3 months at a. minimum to show that you're able to. manage it. It's the only time a tool.

like this can be helpful. Minimum. monthly payment is $661.71. Another one just stacking to the top. It'sing crazy. Crazy. When did you guys do this? >> Last year. >> Last year. >> All right. Nothing to show for it. >> Orlando Health. 100 bucks. Why can't you. just pay a hundred bucks? Oh, wait. No. Yeah. 100 bucks. Uh oh. Okay. It's $585 and then $100.

minimums, right? >> Oh, that's from uh one born. Whose is. this? >> That's That's from. >> 2 years ago. >> Yeah. >> $58546. Minimum monthly payment $100. So that'll. be done very soon. More. Oh, how many does this stack up to. be? This is one more. Wait, >> two separate bills. One for our son and. one for her.

>> But the birth related stuff. >> Yeah. Yeah. We had a pretty difficult. labor. So, >> $555.89. payment 206.68. Okay. Advent Health. What's this? >> Um, I had to go to an emergency room. related to my pregnancy. So, >> for sake, this pregnancy. Okay. Uh, total amount due. Remaining balance.

$553.31. At least these aren't bad so far for. what it's worth medical wise. $39.54. is your minimum monthly. Mr. Cooper, I know that be a mortgage. She's expensive. >> Yeah. >> Yeah. Cuz the interest rate it's almost. 7%. >> Yeah. >> The new bill also. First year. they overcharged us, sent us money back. We use that to pay down.

>> Second year they d like they. undercharged us. And now this year. they're double charging us for interest. >> Interesting. >> Okay. Yeah. Your minimum monthly payment. is $3,499. which is in your guys's affordability. range, but it is pushing it for sure. It. is definitely at that pretty pretty damn. at that cap. Yeah. No, it's at your cap. Yeah. Gross. income. It's at that's probably at your. cap. Yeah. with a balance of $339,27547.

What's the house worth? Do you know? >> Uh, it's worth about 380. >> Okay. And then finally, student debt. Who is. this? >> That's me. >> You don't have because of military. >> Well, I never went I never finished my. degree. >> You got a certification? >> Uh, I have certifications, IT. certifications. >> Okay. $8,86042.

for your student loans. It's not. horrible. And it's federal, which also. helps. Minimum monthly payment $108. Okay, good. Looks like you're on a standard. repayment. And that is fine. 97. interest. >> 4% I think. >> Okay, then we can minimum payments until. these are paid off. Yeah, it's at 4%. Okay, that's not bad. Wait, hold on. What's the car? Did I. miss a car debt? Cuz they're sending me.

a value of a car. Did I miss a car debt? >> The car's paid off. >> Oh, you have a paid off car. Okay. It's. worth about 9,000. >> Uh 2019 Chevy Tracks. One car. >> One car. >> Okay. Is that working? >> Yes, that's in good working order. >> Oh, is it working for the household. having one car and a not walkable area. for sure? >> I would say so. When if I if I do get um. this new job, um we'll have to get. another car. So, um, so right now it's. working out because. >> all you did was apply to it. I don't. know why you're thinking so far in. advance, but.

>> I they've they've been telling me that. I'm going to get an offer soon. So, >> Well, that's different. You didn't lead. with that. Okay. >> Yeah, they they. >> You said I applied to a job. >> No, no, I I interviewed I applied. They. all you said was they're going to send. me an offer letter. So, >> Okay, good. Then you'll need another. car. >> Yes. >> Cool. So, we're going to go get a 10,000. hour used car. That is uh. >> that's the plan actually. We were just. going to get a. >> No, it wasn't. By the way, you wanted to. get a Tesla Model Y. I know your entire. life. So, you're liar.

>> We're going to go find one off Facebook. Marketplace I can fix up. And. >> Tesla? >> No. Car? >> Car? Yeah. >> That you can fix up? No. Let's not make. this an endless pit hole project. I. don't know. Now, let's go get a $10,000. used car that gets signed off by two. separate mechanics that it will be safe. and last you for a few years to come. That is what we're going to do. And you. can borrow for it because it's leading. to a return on investment with your much. higher income. I'm okay with that. But. you are not going over $10,000 and you.

are going to spend months looking if you. have to and you're going to Uber to work. because it will save you more money in. the long run. And no Tesla Model Y. I love my Tezy and. I know they have good financing for it. and the tax credit though I think your. guys' income might be above where you. can get the tax credit and the tax. credit is ending anyway honestly in. September if I'm not mistaken. Yeah. >> So no you can get it you can get it once. you're out of debt. >> That's what that's what that's what. >> Yeah.

>> that and I am an old mechanic so I can. tell. >> Well okay that's a start but get a. couple separate eyes on it as well. I. will. I trust me. I'm. >> all right. Checking account. 2247. 200 $2,227 in here, but that is half of. what we started. >> Swab tactical. What? What the is that? It's $1,121. Swab Tactical. >> Two guns. >> I'm guessing you. >> Yeah, >> buddy. Paying off debt is so much more. important. This is just fun. It's It's.

It is bull. No, >> it's that's prepping. That's not for. fun. repping for. what? >> I don't know. >> Yeah, just. >> scary political environment. That's. >> the [ __ ] talking about, buddy. No one's. raising arms. >> I mean, it's good to have it just, you. know, just for home defense. >> We got two guns. We got double.

Halo 2 dual wielding. >> No, it's one's a shotgun and one is a. pistol for a 9 mm. Again, I'm not against any kind of. purchase in general, but you are in. dying in debt right now. That is much. more of an alarm than the country going. up in flames. What which one's more. realistic? Well, right now you are dying. in debt. Not dying via a civil war. >> Yeah. Well, military being deployed to. my state is not fun. So,

>> okay. I mean, it's good to be prepared. Zelling money out. Zelling money out. Zelling money out. 415 on the last one. Probably to each other's accounts. >> Babysitter. >> Well, we have babysitter and then we. also have dayare. >> We have babysitter and we also do swim. lessons for my son. >> There's swim in it, too. >> Yeah, >> it's for survival swim. >> Survival swimming. >> Survival swim because we. >> have a lot of. >> pools and ponds near our house. >> Ponds, lakes. >> I think the alligator's going to get. them first.

>> Well, there are a lot of kids in that. county that have died from dying. No, I. mean it's not the end of the world. It's. fine. Again, it's the Neither are the. guns. It's not the end of the world. either. It is the endless stacking of. you guys will justify everything you do. multiple times a day. Okay. $42 in this account. It's nothing. This checking account $100. But swab. tactical again. That's the third Swab.

Tactical we've had, by the way. So, it's. just like we're getting lots of Swab. Tacticals. PayPal, Discord, Target, and. PayPal and going in and getting some. [ __ ] Going in and getting some. bull. Google going in and getting some. bull. Domino's, PayPal, High Dive, Crunchyroll, PayPal, Taco Bell, Uberine, Uberine, Steam Games, 23 and me. That's really. not necessary for right now. And we. already know. Okay. Mexico, Ireland. Boom. We finished it.

>> Good guess, by the way. >> Huh? 60%. >> You Yeah. >> Ireland. >> Yeah. We already knew that. >> I didn't. >> I mean, it could be Nordic. It could be. Irish. Could be English. I mean, >> no. >> Yeah. >> $2 in savings. Wonderful. Really? Making. sure we're sacrificing for the kid. I. have an emergency fund with a kid. You. are destroying his entire future if an. emergency happens. By the way, that is. more important than Disney, zoos, firearms, all that stuff. Okay. And I.

feel like I should get one, too. I've. been considering getting one for my. house cuz influencers have had their. homes invaded by parasocial freaks and. every influencer has weird parasocial. freaks online. So, I I've thought about. it. I thought about it. So, I'm not. against it. Again, it's the stack of. everything. Well, you don't have an. emergency fund. So, if one big thing. happens, your kid is out because you. guys are out of the house. 17 in retirement. Yeah, definitely not. even close to enough for 35. It's your.

guys' income level. Come on, guys. Honestly, it was just an. embarrassment of mindset on your end if. we're being honest. And then purchasing. even on both ends, but definitely 75%. towards you. And then we can't even talk about money. cuz you just, you know, you can't. communicate healthy. I mean, you guys signed up and consented. and all this stuff for me to yell at. So, you knew that was going to happen. But when you guys have a conversation, she's not sitting there watching an. onboarding video and having three, you.

know, producer phone calls and signing. contracts saying, "Hey, please yell at. me." You know, cuz I even had in the. notes as I read throughout there, she's. like, she's like, "I need to be yelled. at. I need to be yelled at. You told the. producers that." But when you guys have. a conversation, that's not what she's. going into that conversation for. >> She doesn't listen to me. >> But is yelling really going to be what. does it? Different context. Because she did not sign up for it. Is. that really what's going to get over to. her? >> I honestly don't know. I haven't been.

able to get through. >> Especially your wife. I wouldn't want to yell at my. girlfriend. >> I don't want to yell at her. I do my. best not to yell at her. >> What does that mean for the kid when you. can't get across to the kid? When. they're five, when they're 10, when. they're crazy 16-year-old gooning. endlessly. Well, I grew up in a. household where. my father yelled. So, >> and just like her growing up in her poor. household, is that a cycle you want to. continue because you are? >> No. That's why I finally put my foot.

down. >> Uhhuh. On what? On you yelling? >> No. On we need to get this fixed or we. divorce. >> That's not what I was talking about. I. was talking about your behavior in those. conversations and what's going to happen. when the kid starts getting involved in. those conversations. >> Honestly, I couldn't tell you. I don't. think I'm yelling. All I do is feel like. I'm Yes, I'm raising my voice, but I'm. not yelling. >> Your perspective.

>> I feel like he gets a little defensive. >> Well, defensive is different. I'm not. criticizing. Well, I mean, I can. criticize defensiveness in a different. way, but that doesn't concern me for the. future of, you know, communicating. effectively with a child or something. like that, you know, and raising voice. in a very scary way. >> I think it's more like kind of like a. scary tone with it. And I think it's. kind of. >> Can you demonstrate like why do we need. so many boooos? Like, why do I see box. after box after box? Why does this keep.

happening? Like, we just fixed this. You. said we were okay. Uh, would you say that's just about what. it is? >> Maybe decel or two higher, but that's. probably like a dec. >> Well, come on. Give it to me. >> I I really can't right now. >> Try your best. Come on. >> Why are you doing this? Like, why why do. we have so much going out when we have. so little coming in? Like, why? I think. that's about as close as I can get to. it. >> Is that close? >> Yeah, it's just the tone is really um.

just very triggering. um you know it. just it triggers a lot for me and it. just kind of like makes me just. >> unfortunately I don't really respect. triggering anymore in our culture. So, but either way, I will say this. This is. not an effective form of communication. And I can I can definitely understand it. would put the person on the other side. in a more defensive mode, which also. prevents. communication on the other end, which. all of a sudden now we have two people. that are unable to communicate. Cuz if. you're coming at it in a combative tone, like I wouldn't say that was like an.

abusive tone or anything, so I'm not. worried about that, but it's definitely. coming in a combative, more aggressive. tone. And that puts the other person in. a defensive position, and then all of a. sudden, we just really can't. communicate. Trust me, I don't start at. that. I do try to talk. And. >> what pushes you? >> What pushes me is the fact that we keep. getting further in debt. And when I was. 25, yes, I did file bankruptcy. >> You did? >> Yes. >> He's been through bankruptcy and he is. trying to help with he wants to get out.

of this so to not go through that again. And you don't give a. >> I really. >> but you do nothing. >> And I've told her like my father. >> no offense but your spending is bad too. and your debt situation is bad for. someone that's gone through bankruptcy. >> I thought we were doing fine. I was. trusting her again. I. >> buddy you just financed gym equipment. Like it's the actions. It's still. putting yourself in a minimum monthly. payment situation that becomes. difficult. Okay. Your debt minimum.

payments not including mortgage is. $3,906. Then we put in the mortgage $3,499.3. That already brings us to $6,500 on our. $9,200 a month net. Like that's scary. Utilities, internet, gas, electric, water, >> probably about 500 a month. >> for utilities. And then $250 for our. phone bill. >> Uh that's. >> that's included in that. >> internet. It's bundled. So. >> Oh, okay. Then I'll cross out the film. bill. But either way, I'd un unbundle.

that. If T-Mobile's good in your area, switch to Helium. It's so cheap. As long. as you own your phones outright, that's. the part. But gas from drive drive one. car. How much do we. >> 200 a month? >> Car insurance? >> Uh 120 a month. >> It's not bad. Uh necessary food for you. for we can probably do. I'm going to. guess about 800 should be good for the. household. TP fund. Anything else you. guys need to survive? going to say if. we're including the kids, 250. Uh, daycare and babysitting cuz I do need.

you guys to have some alone time as well. and do some things even if cheap and. free. How much do we need for daycare. and babysitting? >> 1,400 a month for daycare. >> Okay. >> Give me a babysitting monthly. >> Uh, I'd say probably. >> 100. >> 100 total. >> Yeah, >> it's not bad. Okay. Uh, but the. obviously the daycare that is expensive. 1,500 total for that. medical, healthcare, co-pays, medications, ongoing appointments,

>> all through HSA. So, >> okay, which is taken out of your gross. income before it becomes a net. So, we. don't need to count that. Gym, >> no. >> No gym membership. >> Okay, but we're getting on it, right? Subscriptions. Let's see if I can fit in. 25 bucks. I don't know. Let's see. Pets. You have pets? Pet food? >> Uh, yeah. that recently spiked up here. too cuz our corgi. >> has a health problem. >> How much for pet food? >> About 300 a month for vitamins,

supplements, and pet food. >> 300? >> Yeah, guys, it's not working right now. You're. underwater by just your needs. Just your. needs. You're underwater by 1,084. 1,084. Okay. So, here's the reality. Couple different options. It actually. might be time for bankruptcy again, but. you do not do it until you guys budget. aggressively and prove that you can do. this properly on the other side for at. least 3 months. Then we can consider.

bankruptcy. Two, sounds like you're. getting this job. I hope you do, but. obviously that requires another form of. transportation. But we boost that income. and that takes you from 80 to 130. You. said 90 to 130. So it's so right now I. get 88 and it's going to put me to 115. >> It's going to help a little. It's going. to be like a $1,000 towards that maybe. and you need to aggressively budget. that. You can't go to vows. You can't do. [ __ ] uh in the future. You know,

it's you cannot do anything that costs. money unfortunately cuz it just doesn't. make sense cuz at that point it still. takes 18 months. And what is that? That. is still a six then 1/2 year process. That's without an emergency fund. You. should have at least a 1 to two a month. emergency fund before you start paying. off debt because you have a kid, you. have a mortgage, you know, it's like you. just got to be safe. So, bankruptcy. might actually be valuable in this. And. it will it's not cheap. Certainly. cheaper than $80,000 of debt, but it can. be stressful. You know, you went through.

it. >> Some people find it stressful, some. people not. It's embarrassing. It's more. difficult with a couple. You know, you. guys should be able to go through keep. your house, keep your car, but this. becomes difficult. This becomes. difficult. That might be what you need. to do. But the first thing is before you. do either of those, it requires building. this budget. Go through the budgeting. class together. Use the, you know, dollar-wise budgeting app as well. Work on this. Sit down on a multimonthly. basis until you guys have this locked. in. Only a joint account for fund.

spending as well. Only one account until. you guys have this. No more convoluted. bull. One account. No more extra. separate accounts. No more credit card. spending. Make this simple. Sit down. Talk about where spending went. Where. spending needs to go next month. All. right guys, we're going to do the post. show. There is so many things we did not. talk about. I am being told from our. producers. So, this is going to be a. really good post show. Come join us. I'm. going to give the Hammer financial score. right now and then come join us. Remember, Hammer Lee is free this month. So, if you join, I'll pay for it. But.

spending your budget house with. financial score zero out of 10. Debt, nothing, no collection. But this is. horrendous. I mean, it's really bad for. your income. It matches your income. One. out of 10. Emergency fund, there's. nothing. 0 out of 10. Retirement, one. out of 10. Real estate, you do have an. equity position. That is good. Rate, you. definitely got it at the peak for sure. Uh, you know, minimum payments chunky. for your income. You're really at that. peak, if not just slightly over. So, because of all that, I am at least going. to bring it to a seven out of 10 because. you could get out of it if you have to.

Hammer financial score two out of 10. Join the membership link below or click. that join button. Make sure you select. the Hammer Elite tier. Submit proof of. purchase hammer elite.com and I'll send. you a $10 gift card that pays for it and. you can spend it anywhere in any. country. See you guys there. I know. there is something we did not talk about. in the main episode cuz there was just. so much to talk about. What did we not. talk about? >> Well, there's something I didn't tell. you. It's. $1,000 for your He actually has.

something real that happened a few years. ago and you are repeating that again. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.