The Biggest Losers In Financial Audit History

What the [ __ ] We want to have that fun. We don't really want to try to focus on. the small things. Let's try to figure. out like the happiness ahead. Your. business was lottery cards. I was tired. of the day-to-day job. You cannot allow. this man to convince you into this kind. of I used to keep a tab of money that he. owed me. What did it get up to? 50,000. Download my new simpler budget app today. and take control of your money once and. for all. Hi, my name is Priscilla and I'm 26.

years old. My name is Tony. I'm 26 years. old. We live in Loot, Florida. And this. is Financial Audit. Thanks for coming over from Florida, guys. Let's start with you, Priscilla, cuz you're welcome. Because you're. right. Yeah, because you're right in front of. me. Let's start with you. What do you do. for a living in Florida? Uh, I work in. accounting for a real estate and. property management firm. Very good. What are you making? Uh 21 an hour. How. many hours a week? 40. What would you.

say hits your account on a monthly. basis? Um I think it's. 1426. 1425. Okay. Sorry. Is that a. paycheck per paycheck? Every two weeks. Yeah. 1426. Okay. Got it. You got it. Yeah. Okay. Encouraging off the bat. You. have to be. You have to be. You got to. roll with it. And anytime you go through. it, you just got to go. It's all right. Yeah. Oh, wow. All right. What do you. do? It's one of those days. So I am a. private investigator. The ironing. poisoning is Yeah, indeed. In my job, we.

work with creditors, foreclosure. I'm. going to go with it. With the. foreclosures we do with that, debtors, collections, replevens. We are the. people who find you, trying to find your. information, and try to locate you so. the courts can get processed. How what. do you make? I make $17 an hour. Oh, that was a lot for $17 an hour. Okay. I'm proud of my failures. You know what? What are you going to do. in life? You're going to try your best. and you just do what you can. Yes. What. the [ __ ] you doing? You're just sitting. there giggling. You know, it's just when.

the stress comes over you and you just. kind of Are you stressed about being on. camera? I am a little bit, but with that. being that's where it is from. But just. having Come down. Come down with me. We're here. We're filming. We're talking. about your finances. Easy. What? Okay. So, how much hits your. account on a monthly basis? How many. hours a week do you work? 40 hours a. week usually hits around um there's two. paychecks in a month, right? Three. Yes. Okay. Depends on the month. So 2,200. 2200 a month. Cool. So how do we Is this.

a dual I'm assuming we're on a dual. income household? Are you guys married? We are getting married. So getting. married. This is a premarriage. conversation. Yeah. Okay. Close. Are you. running away from this as fast as I am. about to be? Uh thinking about it. No, you've been stuck with me ever since. First day of freshman. No, we're not. going to move past this. I'm sorry. First first day of freshman year, I saw. her look in her eyes and I'm like, "This. is the woman." Yeah. But how old were. you? I was the same age. I was fresh, too. Like, I'm 26. She's 26. And so, I.

saw her. I was like, I fell in love at. first sight. Chased you down like a. rabid dog until senior year until you. finally gave me a chance. Like, fine. All right. I'll put up with you. You've. been stuck with me ever since. I finally. said yes. And then here's here's where. it got me. That's where it got you. Yeah. We're here. Yeah. Is this what he's normally like? Is this what he's normally like? Yeah, I'm actually worse. And I'm sorry. I. really am. I don't know what that means, but yeah, I'm frantic. I'm kind of. crazy. I'm out there and I kind of just.

go with whatever I'm feeling, the more. nervous I get. Sometimes I just go and. just His sentences are running cuz he's. nervous, but he is like this. Yeah. Not. running. Do you like it? I mean, yeah. I want to marry him. Yes, you do. Yeah. Good answer. Good answer. You said $2,200 on a monthly basis. Okay. $5,000 on a monthly basis probably hits. on household. Okay. How are we living?

How how are we in Loots? Right. Loots. struggling. It's an expensive place. Loots is Yeah. Yeah. I've never heard of. Loots. Okay. Yes. It's a smaller area. just right by Tampa. So, how we doing? What's life looking like today? uh life is looking like today. Uh trying. not to live paycheck to paycheck. Stop. using the damn credit then even though. So are you trying then? We are trying. We are um I. mean trying. We do our job. We go we pay.

the bills and everything but also we try. to save when we can but we suck at that. Yeah. Why why do we suck at that? It's. the temptations of impulse buying. Like. oh I want this. Oh I'm not really happy. so let's get this. normally like he's in. the mood to buy something and then I'm. not and then I'm in the mood to buy. something when he's not. But then we go. along with it anyway. Yeah. And we just. end like no matter what. Like I can see. you be not being in the mood for. something and then he gets it cuz he. just overpowers all the oxygen in the. room and you there's nothing you can do.

No, I I say no to you. But Oh, absolutely. Yeah. But does he listen or. does he sit on you? Like what? You. listen. I try not to sit on you and I'm. sorry when I do. But we uh I do go along. with that and then it ends up costing. us. Okay. So, we enable each other's bad. behavior. We tend to. Yes. Absolutely. It's not in hindsight when you look at. that. Oh man, I should get therapy. Yeah. Is that that is probably not the. best thing to do. Do you guys sit down. and talk about your money.

sometimes? Recently. What does. sometimes? I mean, what does sometimes look like? What do. we mean when we say sometimes? sometimes. uh uh when we're talking about uh. discussing money and stuff or like wow u. we don't really have much money this. month where the hell is all the money. going maybe let's not eat out as much or. maybe try to get cheaper things from now. on and try to delegate that that's. usually convers I just I don't even know. like where your money goes sometimes. why wait why why doesn't she know where.

your money goes cuz a lot of times it's. just um Do you know where her money. goes? I I just figure it just goes to So. you don't know where her money I don't. know where the money goes. Yeah, we. don't really talk about her. No, I. don't. When Why do we not know how how. informed are we on each other's. financial position? Uh, scale 1 to 10. I. don't know. Two. I just found out today. he had a savings account that is costing. him with fees. With fees. Yeah. Today. Yeah. How are you guys getting into. marriage? How long have we been engaged?

Two years. You've been engaged two years. and we don't know anything about each. other. So, we know like the microcosms. about each other's financial position. Yes. We know what we make kind of at that. time to time. I Is this a we're afraid. to get old so it's settled down. situation? What's happening? You know, when you when you put it like that, a. lot of the times like we want more. experiences. We want to have that fun. We don't really want to try to focus on. the small things. Let's try to figure. out like the happiness ahead, the. happiness of now instead of like. hunkering down. And that's pretty much.

just how it is really. We go through, we. see it, and it's like, "Oh, we'll handle. it another day. Another day we'll do it. another day after that." Yeah, but like. I don't. I see like all these random things on. your account though and I just I feel. like So what does it usually what does. it usually look like and then what do. you ask? What does he say? Trying to get. a baseline here cuz this is aing what. the [ __ ] finding out like you go to. Duncan before work and like things like. that. So I just feel like a single one.

Are we worried about a single one or is. this are you recognizing ongoing. patterns? What are we seeing? I don't it. fluctuates. It becomes a pattern for a. while and then it stops and then it. stops does that sometimes the lottery. craving hits and then you got to hit he. gets lottery tickets a lot. Absolutely. So I just What do you know about his. financial position? Um he doesn't understand finances very. much and. sometimes struggles.

to hold back. Yeah. Hold back spending. Okay. What do you know about her. financial position? What I know about. her financial position is that she likes. to put things towards savings. She likes. getting a plan, things going on. Uh. budging through XL, seeing where the. money's going in and out and things and. seeing what she can afford or sometimes. she might need to help me with rent on. things. And yet I'm still here though. Yes, you're still here. But I think. that's what I know. That's what I think. I know. That's what I try to do. But so. what are we doing here? What do you want. from me? Cuz so far we've talked at each.

other, but what are we doing? Mhm. What. are we talking about today? So, basically what we're talking about is is. that we noticed that our finances were. not they were only getting worse. You. know, collections were calling me, things were running behind and it was a. terrible situation that I wanted to get. out of and we're going to be married. soon. I don't want that to be in the. future. I don't want that from our. family, our kids. Like, I want to make. sure that we have a plan before we start. like a joint joint. What have we done? What have we done to change that then? If this is something we want to do, what.

have we done? He started using a. spreadsheet that I spreadsheet. Yeah. Okay. For a month. Exactly. That's how. it usually goes. Exactly. So, okay. Okay. Me. Yeah. It's one of those moments. One. of those days. Got to get into the. finances. Got to do it. Can you help me here? I got nothing. I. mean, do you How do you tame him? How do. you A.

do you No, I mean you just let this. happen. Yeah, just got to run with it. A. lot of times I will just go and go and. go. I guess maybe that could also go. into finances, too. Let them run out and. then go. So, we're trying to fix things. before marriage. When are you getting. married? July 25th. July 25th. Okay. Is. the Is it a small wedding, big wedding, mid-size wedding? Have we paid for it? What is the situation? because obviously. that is going to be an expense coming.

up. It's a midsize wedding, I think. Okay. Cost. $12,000. What have we paid so far? Well, I put it. on a credit card. So, it's on a credit. card. And is it the whole thing? Yeah, it's covered. Yeah. So, the wedding's. done. Well, the. wedding, but paid for, done. Paid for, done. There's a couple more expenses. that need to be paid for. Yeah. Um, so like the cake and then some other. people. Uh, and then then we're going to.

add some guests and that will cost more. money. How many people are going to this. thing? 70. And it's all friends and. that's 70. Decent amount. Most of them. just family members. Yeah. Yeah. And of. course, how much do we have in debt? Like for this household? We're going. into a marriage. How What's the. household debt number? What is the. household debt number? Uh, can you put a number on? Yeah, this. is well, we certainly can. This is a. scary situation that you guys don't even. know what the household debt's going to.

look like and we're headed into a. marriage and we're already spending. $25,000 or whatever on this wedding. Wonderful. On a credit card. So, what is. this household debt currently? 35,000. 35,000 of 45,000. Has to be if we're. including school debt. Yeah, exactly. Yeah. 45,000 at the at the at the height. something. Yeah. 35 35 to 45. Mhm. Yeah. Okay. Sounds accurate. Yeah. 87,741. Kidding. Nope. 87. What? What the? So.

you guys better not be going. We still. want to go to Japan after the wedding. We still want to do that. How did that. honey after? It's a wedding to Japan. What the is that going to cost? Like All. right, listen up. If you're a serious. investor, you need a serious investing. platform. Not those apps that look like. they're designed for teenagers. risk. allowance money on meme. stocks. I've been using Mumu for over a. year because it's built for actual. investors. The platform helps me cut.

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to Mumu for sponsoring this video. Let's. get back into the audit. Um, okay. So, have we got this priced. out? Obviously, there's is there paid. time off from your all positions? Well, with my job, are we losing income? With. my job, it's I'm trying to save with the. PTO. They don't allow for up to two. weeks. They can't do it. Only a maximum. of 40 hours of doing that. I'm trying to. talk with my management team to see if. we can try to extend that. See, 40 hours. to two weeks. They said they they could.

only do a limited of PTO of 40 hours. You can't go above that. That's okay. And you? Uh, yeah. My job. will allow it. Um, two weeks paid time. off. Paid time off. Most of it. Probably. about 10 days. So, we have a little bit. of lost income. More on your side, a. little less on your side. And then what. is likely going to be thousands for this. trip? Have we priced out the trip? What. do we know about the trip? 87,000. Double the debt you guys thought you. had. Double the household debt. Yeah, we're going to Japan, spending $25,000. on our credit card, and then we're still.

expanding the wedding even more. So, how. much is Japan? How do we not know? We're headed there. in a couple months. The country know. where it is. We know we're going to have. fun there. How you not done the. traveling plan? 7,000 is what I'm. imagining. 7,000. 5 to7,000. 5 to7,000. So, we want to get this closer to six. figures to debt. We're trying to just. get there closer cuz you're not cash. flowing that. Yeah. You're not cash. flowing it. Going to Japan. Yeah. Sure. On debt. Well, we're trying not to. How.

you can't even cash flow a single cent. of your wedding? How are you gonna cash. flow Japan? I guess try to save for as much as we. can. Yeah, try really doing that. Getting our credit cards, getting things. manageable. Build a small savings for. it. That's pretty a fewing months. Your. debt is double what you thought it was. What are you talking about? Do we want. to go into this marriage with a bunch. of Is there an anchor in this. relationship as in holding back the boat.

from going forward? Is it equal. distribution. of what is going on here? Self. diagnosed. What is the. problem? I guess the. problem obviously it's really just we're. too focused on just the present. We we. want these things. We want this this. nice clothing. I want the new video. game. The food. You could I mean I feel. like I've been a little bit of the. anchor with financials though. You're. holding them back or no? Like keeping.

things afloat. Um um Okay. So, how are. you going to attach yourself to this in. a marriage situation? I mean, we've. we've been trying. We've been trying. No, no, no. I know you've been trying. How are you willing to do that? Cutting back expenses. That's not I'm. not asking I'm not asking what you're. going to do. How are you okay with it? You try to do better. Mhm. And you have. this person that's going to dramatically.

hold you back. It seems like. everything's aing joke to him as far as. I can pick up so far. So, how are you. okay with that? I mean, I don't know. I'm just living. life and. yeah, you guys are going to be in debt. through your 40s and 50s mortgage. It's. it's really that's not what we want. Is. that what you want? But listen to your. language. Yeah. I I listen to it and.

it's like I can justify it in the. moment, but if I'm just going to destroy. the future, I get really got to really. get out of the mindset of getting all. that not planning these [ __ ] So 5,000. came in, right? Yeah. Our income. What. was spent last month? Last month's. household. You should because we're. going to be a combined household. So. what do we think? 5,000 5,000 came in. for the household. So that's your normal. month. What went out for the household? Let's have your guess first. Let's have. your guess first. I would probably guess.

I'm going to guess 7,000. Okay. So we're. okay with spending 2,000. What did we. make? Great. I was going to say 6,500. Why are we. okay with that? Okay. How do you say for. Japan spending 1,500 or 2,000 more than. we make? It was Where's this cash flow. Japan? Huh? It was an off month. Yeah, every month will be an off month in. different ways. Come on. We can just. open up a new credit card that we can go. to Japan. No, no, you said yes. I mean,

yes, you can. But if we're trying to get. over six figures in debt, you said you. were going to cash flow. That's what you. just told me 5 minutes ago. Yes, I did. Absolutely. That's not cash flowing it, you dumb tit. It's We're not opening. another card. It's planning. You better not. No, I'm not. I'm not. going to. I'm trying to think of ideas. to get this path going. By the way, $8,130 was spent last month. Just in. last month. Just in of all the money. going out. All the money going out. All. the spending. What do you think your.

combined household financial score would. be? I'm going to go three, two, one, go. On go. I want you guys to give me your. answer at the same time. 10 being the. best finances, zero being the worst. finances for the combined household. 3 2. 1.5. Okay. Well, at least you guys seem to be. reasonable there. Guys, if you want your. hammer financial score, check it out. Uh. go to caleb.com or click the link below. and take the uh take the test and we'll. show you where you are in the world of. finances. And if you want to come on.

this show and you're a little quieter, go to. kalepammer.com/apply and I would. actually be happy to have you in the. studio. Chase. Inc. I mean, if we know we have like. $85,000 to go through, I'm not really. surprised cuz this is so dense. Okay, Chase Inc., what's going on? Are we both. on this? Is this someone else's? Like, is this an individual card? It's going. to be It's going to be Priscilla. Priscilla. Okay. So, what's going on. with Chasing Priscilla? Wait, what's the.

balance? I'll tell you. The balance is. $5,91012 with a minimum monthly payment. of 147. What is going on? I think that. was the business substantial. Yeah. Was. that the business? What business do you. have? Yu-Gi-Oh. Dog used to have a. business. Absolutely. You both. Yeah. We. tried this together. I didn't have the. good credit. She had the good credit. So, we took advantage. We opened a. credit card for it. Absolutely. Got to. start off with the business. Sure. What.

about a small business loan? What about. a personal loan? What about something. that's not 30% interest? What are you. talking about? That would be worse than. doing a credit card. Yeah. 12% interest. loan is grows. Grows. Yeah. It's like. you do that you they give you more money. to use it. I'm not crazy. That's a thing. or like I don't know if you would I. don't know if you would have got. approved for one. Do you mean the your. uh your limit going up? Yes. Yes. Absolutely. Yeah, but this is more. ability for you to get more debt. That's But it's it can be managed be if.

the business is going well and. everything. Yes, it can be. But if you. have interest in minimum borrow with me. one second here, my man, my dog, my. brother. So with you going into it was a. great market with all the research going. on. You got to know what all the. research going on. You think it's a. poker fishing in the table? Not going to. happen. No, you have to see what are the. conditions of the car, what is the. market, what's the seasoning, is it a. core deck, what rarity is going out, what's the limited edition going to. Starlight? All this research going out, inflowing, transportation of all the. things, how much this post is going to. cost, stamping, weight, all that. I did.

all the research of it. No, who did the. calculation for posted, stamping, cost, all that? Okay. Yes. Just want to make. sure. But I researched about the value. of the cards and everything. Yes. You know, his face looks like a circle. of pubes, right? Jesus. Right. Holy. So, obviously, this business did not work. out. You still have debt on it. You. still have debt on it. It worked in the. beginning. It worked in the beginning, but it didn't. I don't care if it works. in the beginning. I care if it works in. like throughout continuing as in giving.

us. money. But hey, what is the beginning? It work the first month. What are we. talking about? When did this end? Like, what is the status of it now? Okay. So, so it's basically it's like it's. dissolved. Not the debt. Not the debt. No, the status of it. Um the well in the. beginning of it, it was it was going. good. Couple $500 of profit, $1,000 of. profit a month of the system, but we hit. one flow of of a bad batch and got lost. a big investment on that. It's basically. a lottery every time we buy a a case of.

them. Really? It'sing like we're like. loot creating this [ __ ] Yeah. pull. Oh, this is soing stupid. And you're hoping. to get cards where in within the batch. overall it's more valued than. Absolutely. Oh, that was your business? Yeah. And then we're going to build my. business was lottery cards. So, your business was lottery. I was. tired of the dayto-day job. Yeah. No. So, why don't you do something that. provides value then? Wait, it it could. provide value. Open a starter store. Sounds like you have a lot of data on.

this card still. though it didn't really. work and one month set you guys back and. led to the inevitable collapse. If one. month led to the collapse, this was not. a business that was going to be. successful. Doesn't mean it can't be. successful in the future. So far, uh, no. success. We were hoping to grow it and. it just Oh, you were hoping. Oh, good. guys. We were hoping. You got to have. hope in life. What What else is there. you have? Of course you do. But you It's. that hope alone. It's with a plan, with. a strategy. The hope is to the goals, but the hope isn't the only thing that.

gets you to goals. You have to have. step-by-step plan. And it's always going. to change as it moves, as you go along. to get to that goal. I wanted to be like. you, your own boss, your own hours, everything. You could focus that, manage. that. Why didn't you start again a. business that provides value then? People like cards. People like people do. like cards, but you were just hoping to. game the market. You were day trading. Pokemon. Yu-Gi-Oh. Don't Okay, whatever. Yu-Gi-Oh. Oh, whatever. Well, I don't.

know. That's not my thing. I mean, like, I I didn't know much about it, but I was. willing to invest with them and stuff. and give it a try. You got coax into. this. Well, okay. So, I We went into. debt for this. We didn't even cash flow. it. Cuz if you cash flow the cards and. you had a down month, ooh, oopsy. Oh, well, you went into debt. How did we. gain $6,000 of debt in Yu-Gi-Oh? and and. Yu-Gi-Oh. We used our own money, too. Guys, this is pretty exciting. We'll. zoom in. Let's talk about this for a. second. Okay, so I do a little bit of.

negotiating here and there. Uh, you. know, when we're having sponsorships and. stuff like that, and you know, I've been. working with Mumba for a while and I got. a little special negotiation for you. guys cuz I wanted to get you free money. because if I get money from them, I want. you to get money from them and then, you. know, we're all happy. And the thing is, what I got was exactly what I would want. to get if I were putting money in an. investing account. immediate returns on. investment. So, right now, I got for you. guys, and only you guys, literally no. other creator has this. If you deposit. $2,000 into Mumu, you get an instant.

$150 and then 8.1% APY on that money. That's like a 16% return. It's crazy. It's It's absolutely awesome. Get the. free money now. Link in the description. below. Let's do this thing. Let's make. some money. I'm sure we get $6,000 a day. in Yu-Gi-Oh. So, you got to look for the. rare cards and selling that and doing. that. The debt. Why the debt? How do we. do the debt? Why wasn't it cash flowed. with the money you guys had? You guys. don't not make money. You make $60,000 a. year combined net.

[Music]. We honestly, the truth is we just got. tired of the business, tired of doing. it. And we're like, let's just abandon. it. We It's It wasn't worth it anymore. We I mean, we tried to cash flow it. We. put like thousands of dollars into the. business trying to buy business. Okay. Okay. Lottery theing lottery. We were. trying lottery. How you cannot allow. this man to convince you into this kind. of. geting brainwasher. She just But she. went along with it cuz she loves you and. she wanted to support you. I love her. too. And it was we had convers.

No. All I'm saying is you really wanted. to do it and you, you know, convinced. her because she wanted to support you. and don't go along with that. Call him. out as. [ __ ] I mean, you. you're How much you've spent on this. into this business in general? We. probably put about like seven grand into. it. Oh, [ __ ] How long did it last? About a.

year. About a year, right? Less than a. year and a half. Yeah. Yeah. Something. like that. If I literally put that. money into just like an empty mumu. account, it's the investing app I use. Literally just like $2,000. You get an. instant $150, which is incredible. And. then you get another like 8.1% APY on. that money. Imagine $7,000 doing that. That's like a 16% return like instantly. pretty much. Imagine $7,000 just sitting.

there on that 8.1% APY. Crazy. But. instead, we put it in your your cards. and now we have a $5,000. debt toing $5,000 debt is all we have. left of it. I didn't have the heart of. the card, which is it's acrewing almost. $90 in interest on a monthly basis, but it's not going to be there forever. Wow. Says who I mean I just said it. Hello. Yeah. What evidence do we have to. suggest that? Cuz I see only minimum. payments, which you're right, it.

wouldn't be there in forever. It'. probably be paid off in like 30 years or. something. 30 years. I don't have the exact not. even not even 10 years it would take. with a. minimum 30. I mean no am I in the wrong? We'll pay more. We'll pay it sooner. But. am I in the wrong on what? I don't So. like Okay, let's say we did the minimum. payments. Would it take like 10 years, seven years? I I don't I don't have the. uh I don't have the math in front of me. An absurd amount of time is what you're. telling me. An absurd amount of time.

Absolutely. Well, you're embarrassing. her. You're embarrassing me. This is. insane. How are you not embarrassed? You talking about me? So, oh, this. conversation's miserable. If you don't. if you're Are you guys not miserable? I. am miserable. No, I'm I'm having a good. time. Understand? I think you're the. only one. The audience probably isn't. having a good time either. Everything's. a joke to this guy. You know, your. marriage might be considered a joke to. him, too. I don't think it is. I think. it's a journey and experience. I think I.

would actually be concerned. I'm. concerned. Discover. it. I would love to discover how to. leave this room right now. 3,980. There sure is. But I have a job. to do and it's usually the best job in. the world. today. Okay. $86 minimum monthly. payment. We're purchasing. Why are we. Okay. Whose card is this? Are we uh. discover it? That one's mine. What are.

you doing? Why are you purchasing? I. thought you were the good one. I thought. you were holding us above water. Why are. we purchasing. $195? Well, $65.94 of interest is acrewing. I mean, there's the good one in the. relationship. There's subscriptions on. it. Just no like cancel them or move. them somewhere else. Listen, you're not. the annoying one, but that doesn't mean. you're automatically good. I mean, he also has he's an authorized. user, too. I only use it during. emergencies. I don't just go spinning.

willing. Why don't we have an emergency. fund? How long does this take to pay. off? Minimum monthly payments only. without purchases. And you're incapable. of not purchasing, especially allowing. this man to be an authorized user. How. long does it take to pay off? Please, you got to guess. Please. Uh, 36 years. [ __ ] sake. No, 16. That's still insane. Okay. Okay. Only with the minimum though. Like. we Yeah, but you purchase on it. Did you. not know that?

With credit card. You make purchases. It's vapes. Thising show addictions, dog. What can I. say? No, I think it's like everyone with. bad finances in this world also makes. bad lung decisions. Like this seems to. be a trend. It's not It's not tobacco. It's not cigars. You're right. It's. probably worse. Said it's No, I said it's not. It's. nicotine. Oh yeah, but we don't know. what the is even in. there. Renaissance benefits. What? What. is this? Oh, that's a vision insurance.

Vision insurance on a credit card. Yeah, pay for it with youring money. I always. thought it was better to have like at. least one purchase on it a month. That's. Leave it open. Sure. But that I guess. And that's if you're paying it off every. month. You're not even paying it off. Moreing vapes. $45 of $42 of vapes, $21. of vapes, two Amazon orders at a 17.24%. interest. rate. You got to restock. If you're.

empty, you got to get your supply. So, if you see in the bulk, you know, it's. not we're not the ones getting the. disposal. We have a mod. We have a vape. You got to get the juice coils. You're. good for a couple months. It's It's. cheaper than going to the disposable. I. promise you. I'm going to lie to you. I mean, I recently quit nicotine, too. Well, is that what he. said? Oh, what was the two? Oh, just I honestly I'm not proc I'm not.

processing any words he's saying because. I've just tuned him out. So, I thought. maybe through that entire rambling mess. he said that maybe he stopped. No. Okay. Okay. No, but yes, you did recently just. stopped uh good. I'm a month clean, I. believe. Right. Should I kick him out. into the lobby so we can continue this. conversation? What I need to do if I get. annoyed, tell me what I can do, dog. Shut the up. Stop trying. Are you trying.

to be silly? I'm not trying to. It's. just the stress and anxiety. Oh my. I'm. going to, you know, if I keep laughing. off, maybe I don't have to face the. things I'm feeling. Face the things. you're feeling. What are you feeling? Terrified of Terrified of what? Seeing. how this is what our Why haven't you. done anything? Because I try to avoid. it. Try to run from it. What does that. do? It just makes it even worse. Go on. Go on. But then you it just keeps. getting piles of piles. The pile gets. bigger. You don't want to look at it. Uh-huh. And I want to start looking at. this and get this done. Okay. So, you.

want to start looking then. Why haven't. you? I recently started doing that. looking too. I build an Excel sheet. See. where the money's going. You've built. the Excel sheet. We know about the Excel. sheet. I haven't done anything with you. It's my Excel sheet that you're using. I. didn't know how to do it until All. right. Neither of you leave this office. until you download the Simpler Budget. app. You download that. We'll get you. the premium version for free. There's a. multi-week trial out there for people. who want to test out the premium. version. Uh and if you want the Founders.

Edition simpler budget notebook, just uh. take the annual option that which saves. you money anyway, and I'll send you one. signed. But either way, use it. Use the. automatic account connection. features, everything that comes with it, the community chat in there. Keep each. other accountable. Budget this. Maybe as. a household preparing to go into this. thing so you actually understand what. accounts each other have cuz you'lling. see it in there. You'll see each other's. spending across the other the entire. thing. You'll actually know what's. happening.

So, you do not leave until you do that. Okay. We'll get that going. Yeah. Yeah. Which credit card did you guys put the. wedding on, by the way? The one you're. looking at, the wedding was on this. card. Yeah. What else. these? Okay. How much? They had a good deal. We. The wedding. They did. They said if you. pay up all in front, you get $2,000 off.

of it. Okay. So, we put I think eight. grand on it. Oh, for [ __ ] sake. Why on a credit. card? Cuz we're trying to get because of. that discount. It was like pay in full do now. So I. mean we had a savings going. Why not go into being able to pay for a. wedding when we have theing money to? You're engaged for you've been engaged. for 2 years. We couldn't do two years to.

save up for this. We knew we wanted to. do it. Okay. That's not what I said. What What the are you talking about? I. didn't. You were saying like, "Oh, you're all engaged for 2 years." Yeah. You've had 2 years to prepare for the. wedding cost cuz you knew you were. getting married. What the are you. talking about? This. guy's Oh, I don't like him. Please. Please. Let's talk about something. important. You can do what feels like. everything to prepare for your family's. future, but be honest. How secure would. their future be if you were suddenly not.

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to organize your family's financial. future. So, don't wait. Take steps now. to help protect your family's future. tomorrow. Apply today at. meetfabric.com/caleb or click the link. in the description below. That is. meatfabric.com/caleb.mefabric.com/caleb. I was going to say what happened was we. had a savings going. right. Um yeah, but then instead of using it for the. wedding, we used it for a new car.

We paid it for. when Okay. This was justified. What? This when? Uh last year. Six months ago. Six years. Yeah. It was in September. September last year. Justified. Absolutely. My car was breaking down. This was happening. I was doing repairs. on it. It was a 2011 Ford Escape. Got it. from my mother. It was a beautiful car. I loved it. Very grateful for it. What. happened? End up tires blowing out, transmission problems, compression, a. gear shift, breaking it. Probably doing.

like $1,000 repairs a month on it just. to get to work. Couldn't do with it. Never had a new car in my life. So, I. thought it would be great to have. something reliable. What did he just say? Uh, basically his car was breaking down. a lot. We were spending money on. repairs. The car is so good. Come on. I. come every time I drive it, dude. It's. it's it's worth it. It really is. When. you have that feeling going to work, you're not sad. You're not, you know, unhappy about it. You're having that.

delight. You're driving on Swiss. blissful lane of Goon and Central. shooting down street. And you can go. happy with it. No matter how bad the job. is, you can go home happy. I think. that's worth worth a lot. If I were her, I would never be going home happy. I'm pretty happy. Yeah. I don't know. Wow. I don't know. what prayers you say at night. I don't know. Whatever God you're.

praying to, I bless him every single. day. I do. I'm very lucky to have you. extremely. Jeez. Okay, I'm guess I'm just going to move. forward. Discover another Discover it. Is this your version of the Discover it? This is my Discover, correct? Okay. Okay. What's going on with this card? Uh, so basically that was probably my. oldest Discover uh credit card. Uh,

family of members like, "Hey, you should. get into credit. Start building that." I. was young, like 18 years old. Started. doing that. It's like, "Oh, I had money. on it. I could spend it." And I maxed it. out in a couple months and it's been. maxed out. A coupleing month. It's been. maxed out ever since. Are you serious? I actually remember. I. I tried to get him to get a card cuz I. thought he would pay it off every month. Wait, wait, wait. How long has this been. maxed out? Ever since I had it, basically. Oh, but in years of length of.

time, probably six years. It's been. maxed out for six years. Something like. that. Give me that card. Give me thating. card maxed out for six years. Give me. that card. It's It's a pretty It's. rainbow. Please, can I cut this up for. you? Cuz I do not. It's been maxed out. for seven years. Do I have consent to. chop this up? Cuz I cannot let you leave. with this card. I want to do the honors. of cutting it. Okay. As long as you. actually cut it. And no, I don't care.

about throwing scissors at you. I'm. afraid of you holding them though. I cut. it. Is is your entire Is this a bit to. you? No, I just No. Is this conversation. a bit to you? It's not a bit to me at. all. Then what the [ __ ] It It's just me. trying to be stupid and idiotic, not. trying to face my situations. I cut the. If you If you know that, you know that. You just said that. That's like the. fourth time you said that. If you know. that, then. stop sake. You're a child. Oh my god. I.

I can't deal with you. He's not ready for this [ __ ]. conversation. Maybe you are. He's not. Are you able to ever have a serious. conversation with his man? And that's a. generous man. Uh yeah, it's I don't You have to set the. situation, I guess. I don't Huh? I I. don't know. Yes. The answer is yes. How. How possibly? I don't know. I guess you just listen to. me. I guess I do. I try to push.

everything out that's not you really and. just think and then what the can I do? What you can do is just really put in. some blame view and I see in her. reaction view you're. a gone. It's gone. It's gone. [Music]. maxed out for so long. Congratulations.

Good. I'm so proud of you. It's so It's. above max, you little. It's above max. Well done. $113 minimum payment. You're. so good. Well done. $30 of purchases and. 16 cents with $92.80 of interest. Congratulations. Well done. It's above. the credit limit. Well, get done. You're. doing so well for your future wife. You're doing so well for this future. marriage. You're doing so well for your. future kids. You're doing so well for. your future house. You're doing so well. for your future retirement. Good job. You've had seven years to do anything. with this card. said, "No, I'm going to. be a child instead." Good job. Congratulations. Maybe it's time to wake.

the up. Maybe it's time to be an adult. and actually act like you're in your 20s. for the first time in your life. Instead. of acting like you're [ __ ] 16. No, not even 16. That would be way too. mature for how you're acting. Maybe. instead of acting like you're 11, you'll. act like you're 26, like you have. someone that's depending on you, like. you're headed into something serious. Maybe you act like aing man for the. first time in your life. sake. Max out. for seven years. What a joke. 16 years. to pay off. He goes for caribou and I.

um it's a you went to a restaurant. Einstein's couldn't say the word. It's. been a long It's been a long child just. mindset. Yes, I know that. I can tell. I'm in. front of you and I don't find it cute or. funny. I find it a massive waste of her. time, my time, producers time, their. time. Maybe she'll get something out of. this. Maybe you act like aing adult for. the first time by the end of this. I. don't know. I can promise I'm definitely. No, you can promise nothing. I don't.

want to hear a word from you. I'm done. with your. existence. I am done with your. existence. Me. Thanks for ruining my. Friday. $4,6921. $124 is your minimum monthly payment. Oh, good. $1,5255 of purchases. Well, there is. $781 of interest acrewing. Our balance.

is now basically $900 more than it was. Whose card is this? That one's mine. Is. he an authorized user? No. No. What the. are all these purchases? The one who's. good with finances in the house. The one. who's lifting us up. The one who's. keeping us all afloat. What are these. purchases? Uh, those are everyday. purchases. And I everyday purchase I. used to pay. What is an everyday. purchase to you? Like groceries. Groceries. You had $1,525 of groceries. Uh whatever else comes up. Whatever else.

you don't know. You don't possibly know. You wouldn't. know. Do you not know? Uh I'm not sure. But then again, I'm thinking really is. that it's probably of the mindset is. that we it's like, "Oh, we need to spend. we need to get something or we need to. oh, we need to get gas. I'll just use. this main credit card every day." This. is my mindset when I go into these. things. It could be that also,

especially when the money's low on the. balance and you're like, "Why are we. allowing the money to get low? You guys. don't make insignificant money together. Combined household income, you guys do. pretty okay. close to the median. household in the United States. So when. you say that that we we don't we make u. a pretty decent significant amount. 60,000 net I always thought uh kind of. like just be in the mindset of the. debt's always there. It's never going to. go away. Why start now? Why do this? We. then why are you here? Because uh things.

were starting to get really bad. What I. mean collection agencies were trying to. get in contact me. Cards were saying. like we're so collections. So also like. he he gets these monthly payments for. school and stuff. Um school he would. have to explain that. I receive military. VA benefits. You were in the military? No, my mother was she's 100% disabled. veteran. So she receives uh benefits of. that. I since I'm her child, I receive. monthly siphon while I'm in college of. So that's gone. But they come like.

pretty sporadically. So lately I've been. having to pay rent and do other things. instead of paying off. Well, I mean, it's pretty normal for someone to have. to pay their own rent. Well, we have we. have uh our payments are split up for. various things. So, I pay certain bills, he pays the others, and I've been having. to cover his his share. Well, I mean, you guys aren't technically married, but. you're about to get married and you've. been on a test run for the last two. years. Why not at least practice what. it's like to have a instead of like, I'm. taking care of this bill, you take care. of that, blah blah blah blah blah, like.

on one little pot. Pot goes to bills. no. matter whose money was assigned to the. dollar in the pot. Yeah, we're trying to. we're trying to acclimate to getting. that was a conversation we've been. having for a few months for years. So, what the [ __ ] have we done then with. progress with that? Well, for years we. had everything that was like it was all. separated. Um I used to keep a tab of. money that he owed me and it just sort. of accumulated. A tab of money that he. owed you? Yeah. I actually What was it.

up to? Well, I actually got an. inheritance at one point. Mhm. And how. much? 50,000. I paid my car off though with it. You. did? How much was the car loan? Uh, I. paid it like 25,000. 25,000 car loan. You did not need 25 [ __ ] Okay, so you. had 25 left, but it was paid off. You. have Shut the You have 25 left. Where'd. it go? Then the rest went to like a year. and a half of living expenses.

One to three years. safe. Why weren't. you cash flowing living and allow that. to just like grow in the market or. something? We were both just pretty much dumb and. stupid. We wanted to pay the full year. of rent. That's what our place was. Uh. that's how they were managing it. And it. was like, oh, we're just in bad situ. situation mentally or whatever that was. like, oh, let's just stay home. Let's. just stay home and focus on the year. You guys were just staying home. You. stayed home for a full year. Didn't do. work pretty much. Wait, wait, wait. When.

was this? What the? Yeah, I think it was. 2018. I uh I dropped out of school and. then didn't get a job. Yeah, I dropped. Was it It was pre- pandemic and you guys. literally just stayed at home for a year. and did nothing. Beautiful time for us. So, we Nothing changed really. Yes, I. can tell your maturity did not grow in. those years. I know. I It was a. wonderful time for you. So good. It's. been so beneficial. Okay. How the can we justify staying home in. 2018 for a fulling year and doing.

nothing? Just rotting. and not making any progress in life. I. guess the problem is not being happy. So. it's like, oh, we have the money. Maybe. you could this will make us happy. We. can focus on but blowing $25,000. You. knew you'd have to go back. 25,000 won't. last the lifetime. You knew you had a. limited 25,000. How'd you guys even SP? Could you even survive off 25,000 for a. year? Uh, now absolutely not. But then. you did. Yeah, we did. You didn't borrow.

anything else. I didn't have to make. anything else. Okay. I don't know about. your credit cards cuz I guess they were. maxed out. I did have a credit one, but. not credit one. I I don't have that. anymore, but it was uh that was very. maxed out. She actually looked at it and. saw like it was horrible. He's like, "You need to get rid of this right. away." I got rid of it, closed the. account, paid it off long time. ago. I did it. So that's that's a sign. of hope that I am able to achieve.

that hope. I mean I heard you stayed. home for a full year. So I obviously didn't really learn a. lesson through any of. that cuz look where we are guys. Thought. you had 30 to $40,000 of. debt. 85,000 right? Yes, there's lots of. groceries. Maybe Walmart's a little hard. to tell sometimes. And some. psychiatric psychiatric.

and some other things like that. Oh, pediatric. Pediatric. Wait, do you guys. have a kid? No. No. Um, I go get allergy. shots. So, that's what the pediatric is, okay? But then donuts, cafe, Amazon, and. another subscription. We do want a kid. in the future, but we're not going to. bring that child into this financial. situation. That's the biggest reason. It's kind of our motivation for wanting. to fix it. You know, you remind me of. private pile. I I really don't know what. that is. I don't know what that is.

Private pile. Just never give him a. rifle. I mean, I want a rifle. We own three. guns. Please don't. Oh, [ __ ] sake. Shotgun, assault rifle. Hopefully, just. not near school. $78 in interest. So. current in a monthly. basis. So this is the everyday card. Yeah. Why? Why pay interest on every day? I.

not good at using a debit card. Not good. at What do you mean not good? How how do. you be good at using a debit card? Well, it seems more stressful cuz I don't know. how much is in my checking. How about. you uh No. Yeah. How about we uh budget? Literally, you would you would open the. simpler budget app. It would tell you. across everything. It would tell you. across everything. Oh, good. Oh my gosh. Okay. I will allow. you to use the Fizz card. It's the only. one I'll let you use cuz it's builds.

credit, but it's a debit card. So, you. can only spend what's in your checking. account. That's the only thing I will. allow you to use it as a credit card. You guys are not capable of utilizing. debt for your own benefit. Not even. close to that for a single second. It is. an enemy for you. Definitely really seeing how much it. damages it and not even for the of just. the money sake, but the future sake. How. damning it can. be. Best. Buy, is that you? That is absolutely me. Yes.

$2,17946. The minimum monthly. payment of. $78. $10 of purchases. I mean, again, the balance, even though you put the 70, you know, whatever dollars of purchases. or $76, which was the last month minimum. monthly. payment, the balance only went down by. $11 because of your interest in. purchases. So, that's actually an. interesting story there. So, uh, with.

Best Buy, you know, I actually never. shop at Best Buy. Careful. Listen. carefully. You might need to translate. for me, please. Okay, ramble. I I went to Best Buy. I wanted a. Fortnite skin and you had to get a new. phone for it. So that's how Best Buy was. born. That's the true honest to God. Swear to me, I'm And you wanted to start. aing Yu-Gi-Oh business with this guy? I. actually only found that out a few days. ago. I thought I said it before, but I. guess not. I I only found that out a few. days ago. Okay. So, you don't know what. you.

say. You don't know what you say. What. do you mean I don't know what I say? Air. leaves your mouth and you have no idea. what you say. I wouldn't be confident. that you've ever said or didn't say. anything. So, I'm just mindlessly going. Yes. What makes you recognize that? Is. it your wife almost agrees? So, maybe be. with me on this. Recognizing that's. where the joke is coming from. Maybe. definitely the debt. Oh, just don't. think about mind. Let's go go go. Everyone thinks you're just a big joke. You just don't think about things. Everything. No, that's not why people. think you're a joke. It's cuz you act.

like aing joke. Look how you did the. first 25 minutes of this conversation. 30 minutes. I wasn't even thinking. It. was just instinctively or just my first. reaction was to do that. So, what kind of phone did you get? Oh, man. I don't even Was it a Samsung Note. 7? I think this a something like that. Okay. So, you have that card? Yes, I do. You going to chop up that card? I'm. going to chop that card. Why don't you. just chop up all of them while you're at. it? Yeah. Why don't you seriously? Good.

That's all the cards. Good facility. That's every credit cards. Credit cards, guy. Credit cards. All right. So, which ones are the credit. cards? Every single one here. Every. every single one. Really? You don't have. a single debit card in there? I I do. have a debit card. It's just not in. here. So, what? Okay. Okay. Okay. Go on. Well, the credit cards go. Okay. Best. Buy. Capital One.

Capital. Okay. Come. on. Stupid [ __ ]. business. goddamn diamond center. Yeah, we're. going to get married, but I don't want. to all the could have waited on this. [ __ ] It's pain goddamn 256 on this. [ __ ] Pissing me off. All this. [ __ ] Cut. It's done. It's done.

All right. Spin on that [ __ ] No more. I'm going to gift you three therapy. sessions through. Sandermind. Thank you. I use them. The. audience uses. them. Please use. them. Guys, I just wanted to say an. extra thank you for making Simpler. Budget an incredibly popular app. I. wasn't expecting it, but we literally. get like thousands of downloads a day. and a lot of you are actually changing. your financial future and we've been. hearing from you. So, thank you all for. supporting us. We just wanted to.

continue to say thank you and give. people the opportunity to try out the. app. So, we still have a twoe free trial. in there for the premium version. And of. course, everyone that signs up for an. annual version, at least for this next. quarter, will get a founders edition. simpler budget notebook. And it is. signed by me, sent directly to you. So, that's a special thank you for putting. your trust in us to create an amazing. budgeting app. And let me tell you, the. features that we're going to release. throughout this next year are about to. be crazy. I'm going to make this the. best budgeting app that has ever.

existed. Seriously, download Simpler. Budget now. It's incredible. The time to. take control of your finances is. literally right now. Definitely going to. I've been seeing therapists lately, too. Lately, therapists, multiple generic. therapists. What are you doing? Uh, we've been discussing really discussing. how much I really needed therapy in my. life. I never used it in my life until. recently. I was with therap Go ahead. Yeah, he's just trying to find the right. one. The first time trying it. The last. one I had uh wasn't really a good fit. and he was getting high all the time. He. showed me his brass knuckles and I'm.

like I want to find a different therapy. I swear to God this is not a joke that. Okay. Okay. I'm just concerned you went. down aing alley and No, no, no. Nothing. of the sort. Saw a dude without teeth. and you're like, "Let me talk to you.". No, no, no. They knew that. I know. You. just kind of ramble to people. So I I. do. I do. I feel like maybe Is this man. allowed to go outside alone? Yeah, he actually got his concealed. carry. Yes, I do.

If I was ever going to be a situation. where I need it, I have it. It's a. beautiful thing. It's a beautiful thing. I'm very glad we have an armed security. guard at these offices. Is that why he. was so on? Okay. Yes, that is why. he wanded you down on everything. Okay. Very glad he started coming here. today for the first time. [ __ ]. probably heard us on the phone like get. this cycle out of here. Check his ass.

Okay. $2,179. Here's $78 payment. What kind of. phone did you get with this? Uh the. phone with the best buy again. Yeah, that's the phone with the Galaxy Note uh. S7. Okay. Is that your phone? No, this. is not my current phone. This new phone. Yeah, gas station probably got some B. cuz it's a little cheap for gas. Interest of course is. acrewing. We're sitting at 30% interest. rate.

on the best buy. The producers are not. entirely convinced that you are not his. just legal caretaker and we're putting. on you're my wrangler. Do I get paid for. that or I mean legally you sign and that. he's not allowed to know. It's kind of. like a sh not no show. Okay. Capper one. What's this? His card. Oh, yeah. That is my card. there. Uh to be honest, it was the exact. same situation with the old credit one. Yeah, it's maxed out. Saw it on the.

mail. Maxed out. I was like, "Oh, a new. credit card." I was like, "Oh, my debt's. already. Let me try to get credit card. so I can use money." And uh I got. approved and maxed out ever since. Mhm. Okay. $35 minimum payment. literally max. out ever since. Yeah. Purchases. You. make a minimum monthly payment, then you. purchase. It goes over with the interest. that hits. 7 years to pay off. Just. $1,000. That's [ __ ] madness. I don't. know why. Why can't you just noting. spend on this? Why can't you? This would.

have been paid off by now with how long. you've been doing it. Why not just. noting spend on this? I guess it was. because I just was constantly living to. paycheck to paycheck a long time. But. you weren't. You were just being a dumb. with your spending. It wasn't paycheck. to paycheck. People misuse that term. Paycheck to paycheck is your. necessities. paycheck to paycheck. You. were spending hundreds of dollars, if. not thousands of dollars a month on fun. And you're like, if I can't do the with. my paycheck, I'm paycheck to paycheck. Poor me. W. No caretaker. Tell them what I mean. I. mean, if I didn't have the This is my.

mindset back then. If I didn't have the. money in my in my bank account, you. know, oh, I need mindset back then. This. justing happened, you little tit. This. just happened. This just happened back. then. Don't tell me back then. No back. then. It's for Vapor and Pike smokes. I'm I got addict I'm an addiction. Yeah. No, you're a dick and addicted. I know. I take the compliment. Mine's not that. big. So, if I'm a bigger We're not. surprised. No one's surprised. Got you know three. inch wonder. No comment. I don't know.

Well, the his you're his character. shouldn't be seeing it anyway. This is an appropriate relation. I've. already had that talk with HR already. Oh my gosh. Okay. Okay. What is this? International. Diamond Center. Is this her ring? That. is exclusive. I can't spin it anywhere. else. Uh, that is her ring and her. wedding band that I got. Yes. Band? Yeah, wedding band. What the are we. talking about? Like you need it for the. wedding. So, like an engagement ring and.

then a band around it for the wedding. band. The full set. I thought that was. just the ring. Sorry. No, it's like two. separate things. The ring's the thing on. top of it, the diamond. And the band is. what's around it. So, if you see like the ring, uh there's. like an attachment part on the bottom of. it complete it. Here's the engagement. ring and stuff and then you put like a. band underneath it or above it and. that's the uh the wedding part. Yeah, it's not. What? That's a thing. Like. we're not No, it probably is. I'm. probably I don't know. I don't have it.

on cuz I'm not married. Okay. I'm. probably legally now I think about it. My IQ is probably not that high enough. I told you to get tested. You did. You. We actually had this convers. That's not. a joke. We had this conversation many. times. Her sister would look at me. It's. like, "Hey, autistic like is he does he. have this mental deficiency?" And autism. is the least of my concern. The um we. was like, "Well, maybe I should see a. psychiatrist and take an IQ. Maybe I'm. Einstein. I just don't know it. Got to. unlock that." Are the opposite? You.

know, the opposite. Opposite of. Einstein. People know about me though. It's like. that was the guy who was the opposite of. Einstein. They'll know. Yeah. Brilliant. I got. it. That's probably one of the smartest. things I've ever said. I'm in disbelief. Jeez. Okay. God. So, when do I need to get How has. he survived? How has he survived? Well, it's because of you. Since you knew each. other since freshman year.

Sorry. Usually when I meet people, they. say that they will never forget me. They. don't really go into detail, but I get. that a lot. And Jake Jake typed room. temperature IQ. It made me chuckle. It's more like. Celsius. But yeah, that's a smart joke because Celsius is a. lot lower than Fahrenheit. Okay. No, no, no. I know. I.

see my Can I please Can I please talk. about this credit card? Oh my. $5,289.82. $28 a purchase. Oh, interest. Interest. Fees. Fees. What is the fee? Fe. Fe. You. Did you know he's late on. youring diamond? Hey, throw that away. It's late. It's not even paying on it. It was one time. It was one time. You. all it takes is one time and I don't. have proof of that because all I have is. the first month of the year. I haven't. seen last year. So, you don't know. When.

did you get this? Uh, two years ago. Two. years ago. though still $5,000 on you. goting fees not pay it. Why aren't you. why didn't you pay it on time fee? Uh. the the two months I didn't have. received my military benefits and stuff. That's when it was the late fee that was. occurring and I decided to do my car. payment more than anything. So that's. not a going eat. Why don't you just. don't smoke vape? Why don't you justing. not do all that other [ __ ] that. we've seen the. Why was it late anyways? Cuz I've been.

sending you money. I thought I uh paid. everything that needed to be gone. The. wedding band was $3,000. What's the. rest? The the engagement ring was. another like three. I think this one was. around 5,000 originally, I believe. Yeah. I got. Listen, for all the has put up, it's. worth it. A few months salary. Yeah, you just financed it. Am I getting you like indigestion? I'm. yelling cuz you're a [ __ ].

I. wish. Doesn't make sense. That doesn't. make sense. Doesn't need to be. I can. live. Okay. He's He's reverting. He's. reverting. Yeah, he's reverting. Can you. please like do something about this? There's nothing I can do. Really? You. have no ability? I'm working. I'm putting this on. YouTube. Really? This is what you do? This is how he's gotten here. I'm not. evening joking. This is how he's gotten. here is because with nerves. I know. No.

one's told him to ever just shut the. [ __ ] up. They did. I just shut the. up. What is this collections? That was Oh, it was an emergency. Medical Associates. Is this when you hit. your head at one? Uh, that's when I one. time I got too high one time and was. hallucinating so much I went to the. hospital. It was a bad time. Did you ever come back down? Uh, uh, the. next day.

went to dispensary. I got my license to. medicinal and uh tried it one time. We. went woke up in the. ER. Why are you with us? $695. What is DFC? It's a Honda. It's. the Honda. Yes, that's my car. 39%. interest rate. It's not even competing. with the market. It's not too bad. It's. [ __ ] bad. I mean 9%. It's not that. bad. It's bad. Just because it's not 25. doesn't mean it's a good interest rate.

and a depreciating. asset. What's it. worth? Well, first we know you owe. $33,64947. Gosh, have people even made it this far. in the episode? I'm very curious. With a minimum monthly payment of Oh my. Can I say what the minimum monthly. payment is? You'll Yes. I don't know. what it is. Tell me what it is. Uh, I. believe it's $56.84. What's it worth? Um, I honestly couldn't tell you if I.

had to guess. Probably 25. It's worth. 25. You're underwater by eight. Okay. What? So, another thing originally why I. got that car. My mom was a big supporter. of me. It's like this. She's an. American. Every American thinks you. should go get an expensive car, expensive car loan, blah blah blah. 84. months. It's This is the American way. She's been helping. I don't give a Who. said it? Huh? She She is helping per. month. She's given us uh $200 to help. with that car payment and she's been. helping with that. Yeah. Until how long? What's her health? What's her age? Uh.

she I think around uh 60. She just. turned job situation. Uh she doesn't. work. She's a fully uh fully disabled. veteran. Yeah. So she has that. How's. her health then? She's doing good. She's. good. She has muscle pains and stuff, but she's good. Healthy. She's a. fighter. Okay. So I'm going to put 364. is what you want it. We're going to. minus $200. at least when we do our. budgeting. equation. Okay. Uh direct unsubsidized. So this is student loans. 5.5% interest. rate. I know you couldn't complete a.

degree. So I'm assuming this is for you. Uh that actually is mine. That's for. Yeah, that's for him. I'm surprised. I. Me, too. I dropped out of high school. and stuff. That makes sense. And then I. realized um like I want to pursue better. things in my life. I want to get. educated. I want to achieve more. I. always been working ever since I was 17. years old. Maybe I want more money, better jobs. So, I am going for my. bachelor's in uh cyber security. Okay. When they said cyber security, are. you sure that wasn't you just putting. shapes through the right shape holes? You owe.

6,296. I'll gift you a course career. certification because they have a lot of. tech stuff, too, that can help boost the. uh boost your resume so we can get you a. higher paying job. Okay. I was actually. looking into a lot of uh IT. certification. What's your minimum. monthly payment on this? I'm not paying. I plan to. It hasn't. started yet. I'm still start. You're. still enrolled? Yes. And I believe it. ends in around 2027. The schooling. I believe until that's. when I got my Oh, you're going bachelors.

in cyber security? Yes, I am. Dang. Because I one of my one of my best. friends went to a cyber security boot. camp. No college or anything. He's. making well over six figures. I was. researching a lot of the certifications. really helps with certifications. Yeah. compi, uh, all that stuff. I mean, he started going cuz it was. partially paid for by the VA benefits. Yep. But that's done. It's still going. Oh, yeah. You get a monthly stipen. What. do you get? Uh, it you it should be Is.

that only during school semesters? Only. doing school. Yes. Okay. How much? I. think roughly around 1,200 a month. What. the How are you guys struggling? What a. blessing. How are you guys this up? That's the big part. How many semesters. are we in school or months are we in. school a year total? Does it count. winter break? I think that that was the. part I just learned about when two. months didn't happen. So I believe uh 10. months of the year. Okay.

And then I also just started school. So. we're going to call it $1,000 a month. You just started school? Yeah. I I. dropped out of college mid. It's not the worst thing. Wait, around. 3,000. Wait, wait, wait, wait. How many. student loans? Wait, wait, wait, wait. What's your student loan total? I think. around like over 20,000 something like. that. Oh, [ __ ] I thought that was just one. Oh god, you're boring a lot for someone. that gets $1,200 a month. My gosh.

So, new one's. 25,196. Damn it. Okay, that's a lot. That's a That's a damn good degree. What. is this university thing? That one's. mine. Why? Why are you not paying. $549? I I didn't have it. What's a four? That's for uh my first semester. What.

the fifth semester is $549. You're not. even paying it. Well, no, I paid So, it's broken down into half semester. I. paid for the first half of the semester. This is the second half. That's the. second half. It was $1,000 a semester. Um, I have scholarship and whatnot. Well, that's incredible. Pay it before. they don't allow you to enroll in new. semesters. I Oh my gosh, guys. $500. You. make you make $5,000 net a month plus. a,000 on average from the extra VA.

thing. $6,000 a month. Pay a $500 twice. a semester thing. Oh my. gosh. You spent thousands more than you. guys made, but it all went to bull. instead of actually things that I could. Is that all your debt? Is that all. youring debt? Is that all your debt? It. It should It should be all It should be. So that's all your debt. I should be. Yes, I believe. 963 in some Wells Fargo. Who's is okay? McDonald's. Good. Instead.

ofing using our scholarship and bull and. cash flow in school a little better or. paying off any credit card, keeping two. credit cards maxed out for seven years. Good. Let's immediately go to McDonald's. and Tidal Wave and KFC and ATM withdraw. $103. ATM transaction fee $3. Go in and. get into bull. Go in and get in some. [ __ ] Jewelry advantage. I think. that's your payment, right? Yes, that is. my payment. Correct. ATM withdraw $800.

Where the did that go? Where the did. that go? I went Yeah, casino. That's. where we went. You only need to win the one time. When. when you do the lottery, you just need. to win the one time and you're so good. So, he hasn't given up on the bull. He. hasn't given up on the bull. He hasn't. given up. He hasn't given up on the. [ __ ] bull. He's still doing that. What do you think about this? Are you. okay with that? $800. Listen, two credit. cards maxed out that he's refused to pay.

off for your [ __ ] years for almost a. decade. Aing decade and he's going to. $800. You have a wedding to pay for. You. wanted to go to Japan. He's $800 theing. lottery. Your business failed doing the. stupid lottery. And he's going $800. right out of the bank. Going to the. [ __ ] lottery. You're okay with this? You're accepting this? You're okay with. this? You're going to stay with a man. thating does that? You're okay? Working. on it? I mean I do. No, you'reing not. You are enabling. You're just quiet. You. don't give a [ __ ] We did. Or if you do, you just It's soing stupid. We went.

together, but he he lost. He You brought. more to lose. I did. Yes. So, it was a fun time. What a moronicing. episode. Dunkin Donuts. Dunkin Donuts. PlayStation Network going and getting. some [ __ ] Amazon, you go to the. Einstein place again. What is this? I. funny meme. I funny meme. I funny meme. I funny meme. I funny meme. I funny meme. based. You're paying for that. What the. is it? Oh, sometime when uh I funny. Great platform. I don't know what it is.

Tell me. It's like uh Instagram uh memes. and posts like a social media. That's. what you're paying for it. Sometimes. when you see a banger of a post, you do. a little charity. Hit that up. Oh, charity. Absolutely. Oh, charity. You're. charing charity. What are you. doing? You you have a wedding to pay for you. charity 99 cents a millioning times you. the do you think you're doing. PlayStation Network PlayStation Network.

Steam purchase what a joke hundreds. thousands cuz of theing casino down the. drain all foring bull bull bull this is. so dumb this is so [ __ ] dumb this is. soing dumb. I'm I have um I have zero. hope after that checking account. You. have lost. You're paying memes. Your. entire life is a meme. Entire joke. I.

put money. You're dragging her down and. she's just accepting it. I I And who. knows why? That's an equation we'll. never be able to figure out by the end. of this conversation. I'll tell you. that. But there is a savings. You're doing so. well. You're going to be such a. supportive husband $18. Who's the Chase? Shut the up. Who's the. $18 in Chase? Oh, Chase. How much you guys lost at the. casino recently? Just how much? Uh I.

know I brought uh I lost. 2,000. I probably lost like 500. Yes. Um actually when I lotto tickets, so. probably 3,000. Oh jeez. Yeah. No, my I. mean, he wins sometimes. I guess so. He doesn't make it back though. Not. that. Not yet. I'm going to like. actually I'm Okay. Okay. Don't end it.

Don't end it. Oh, you have no idea how I. want to end it. I think it's good. We can keep it going. You don't have to. What is good? Good. that I'm hearing all this and digesting. and listening to it. I I have hope. I. mean, it was only like $100 or $200 a. month on lotto tickets some cuz you got. to do it. You got to like play to win.

You don't do it anymore at least. I haven't done it recently now. Yeah. Do I have to film a post show with. these? I want him. gone. I want him. gone. Oh, [ __ ] me. I came to meet you, man. Shut the I don't care. I don't.

care. I'm sorry. Listen, if we met in. public, I'm sure it would have been. great. It would have been a pleasant 5. seconds of both of our times. Oh, this. is not pleasant. We've been together way. too long and I do not vibe with your. personality. I do not vibe with your. personality. I do not. I Okay. Okay. Okay. I'm doing I'm doing the thing. I. don't know if you guys ever do this. I. don't know if you guys ever do this out. there in the audience. I don't know if. you guys ever do this, but I'm doing the. thing where it's like kind of before. having to rip off a band-aid or take. like as a kid when you're taking the. little the shot of the nasty medicine or.

something like before you get a shot. I'm doing the thing where I'm just kind. of like closing off and I'm just hoping. this like goes away, but it's not. So, I. just need to go through with this and. just finish this bull. I just need to. finish this [ __ ] See, it says here. account $41. Yeah, Chase. Okay, good. ATM. What's wrong? Well done. Where? Probably casino. Probably. casino. $75,000 in a check savings.

account. Oddly. surprising. Okay. 400. Oh, well that's total, isn't it? Get away. from 700. Huh? Sorry. There are multiple. savings accounts. Just various goals. Okay, that was the ad. It probably added. up to about 1,500. Okay. Robin Hood. 1,700. What's it invested in? Our grand.

retirement plan? Uh, mostly S&P. It's not mine, so I don't I don't know. I mean, there were some bad investments. that in the past. Yeah, you're worst. investment wasing sticking with him. Damn. I think you I think you won the lottery.

with me. We do love each other. We sure. each other. good. Okay. Okay. I'm contemplating whether or not. just toing move on to the post show for. my own sanity or to make a. budget. You could just use the budgeting. app. Do I really need to make a budget? I don't know. Do I have to do I have. to Okay, Lindsay is saying yes, but I am.

the boss. So, that is the good the good. thing about this. Said I can skip the. last few statements if I went through. every. statement. I'm I'ming done. I I want to. I'm not even looking at him. I want him. He's He's not. Okay. Okay, I might need a fresh budget. And I.

believe I've thrown my calculator. I think the calculator's gone. Thank you. [Music].

Congratulations. You're one of those. guests. What's uh what's one of those guests? Shh. $1,23020. This is how you'll forever be. known. What a thing to be proud of. $6,000. What's your rent? Uh 1,800.

Okay. Utilities. Oh. Um I believe it's. spectrum. Oh, wait. Yeah. What's water? Water should be 40. Um electric is 150. In and out. I believe that is uh I think 40 or rent. is insurance. 12. Gas, vroom, vroom, drive, drive. The. car gas that you drive, I think 50 for. me. I don't drive much. Mine probably.

has to be around 65 a month. 116. Car insurance for both. Uh 450. Phone bill. Actually, um we don't have a phone bill. Good. Our father is That's a That's a. Don't need a life story. $600 for food. Use the cookbook. All. right. Comes with the premium version of.

the app. TP find anything else to. survive. $200 medical or healthcare. I. saw some medical things. How much on a. monthly basis? Um 350 or. 400? No subscriptions. Do you have any. pets? Yeah, we have two cats. Ages and health? Uh, one is two years. old, one is uh 10. Okay. For the. 2-year-olds, we're getting pet. insurance. Going to put 40 bucks in. We. have uh pet insurance. How much is it?

Uh 50 total. It was actually thanks to. your show that we actually got pet. insurance. Cat food. Um. is that like 40 a month? Yeah, I think. 30 or 40. Anything else that needs to be. in the budget? Uh I don't think so. Congratulations. You guys have a. leftover. of $900 on a monthly. basis. And we're spending even more than.

that. Takes 106 months to pay off your. guys' debt without any additional debt. accumulating. That's 8.8. years. You're not going to do anything, so I'm not doing any recommendations, but I did mying obligation. I am. done. coming out. Okay. Sorry. Okay. Finish your college. Yes. Get.

back. You You're going into a high high. paying career field. That will help pay. this off quicker. That will help you. Are you cutting down on work to go to. college? Uh no. I'm doing cash flow this. as much as possible. Get through. college. Then grind out this debt. then. get the fully funded emergency fund. We. could probably College, you have a. couple years left. College, you have how. much left? Year and a half. Okay. So, we. could probably finish that up. You're. about two years is for college as well. Very good. And then I think with those. higher incomes going into the field,

probably four years. Four years after. that, so four, five, six. I think we. could do this in 6 years. Pay off all. debt. Get a fully funded emergency fund. Let's call it 7 years. I think you're. going to heavily focus on minimum life. expenses and paying down high interest. debt while we can borrow it at lower. interest for school until then. And then. once you're done with school, higher. income jobs and pay off the debt, get. the fully funded emergency fund. I think. it's a seven-year process, including the. school. Set in a budget, zero out of 10. That's everything you need to survive. Or what am I saying? A.

broker. That's not a thing to be proud. of. Zero out of 10 cuz you over spent. dramatically. You have collection. So. zero out of 10 debt score, emergency. fund. Two out of 10. Making a little. way. Retirement. That's a little The. Robin Hood's a [ __ ] joke. One out of. 10. Real estate zero out of 10. I'm. going financial score. One out of 10. Join us in the post show. Who knows? Maybe I'll myself, maybe I won't. Let's. find.

out. Uh, the elite version has thousands. of hours of extra content. Happy. content. Much better content. Content. where I don't want to donate. Today, when I found out about your I actually. got rid of all my 3.4 4 terabytes. Are. you serious? Are you being dead serious. right now? You know what? Her Yeah. How. can you do that like functionally? Daily. back in my prime 11,000 pictures a day. Like illegal things. You know what? To watch the financial audit post show,

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