The First LGBT Divorce On Financial Audit

I specifically have notes that you guys. told the producers that Carrie rushed. Trisha into getting married. >> That's maybe a little bit. When we first. started dating, you were like, I want. this, this, and this by this time. >> Who wants a kid more? >> She wants a kid more. >> Who's getting pregnant? >> I would like to try. >> That's a weird reaction. >> I thought maybe you would want to. donate. Don't speak for both of us. >> Bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%. off, but also with a free trial. today. at dollarwise.com.

Join the tens of thousands of people. who've changed their lives in joining. DollarWise Central right now for free. >> Hi, my name is Trisha and I'm 22 years. old. >> Hi, I'm Carrie. I'm 32 years old and. we're from San Antonio. >> and this is Financial Audit. >> Thanks for coming up from San Antonio. Guys, what do we do for a living? You're. in front of me, Trisha. Let's start with. you. What do you do? >> Um, I'm actually an ultrasound tech. Um, I work for a mobile company, so we kind. of travel around a lot, but with. >> Okay, what are you making? Uh 24 an. hour. >> Cool. How many hours a week?

>> Um like six maybe 50 hours. >> Does that sound right? >> Yeah. She's gone. >> Okay. Cuz she seemed questioning. >> Well, it really depends because we. travel a lot. So there's a lot of drive. time involved and it depends on how you. paid for that. >> Yeah. It's only $10 an hour. >> So what's in your account on a weekly b. monthly basis? >> Monthly basis. Probably about 4,000. >> Okay. Not bad. Not bad at all. And I. assume this is a dual household income. We're a couple. Are we married? >> Yes. Just newly married.

>> 32 22. When did you guys get married? >> Last month on the 14th. >> Yeah. Twitter won't like that age gap, but that's okay. Uh we live in the real. world, so I don't give a [ __ ]. >> Uh and what do you do for a living? >> I'm a sue chef. >> Cool. Yeah. >> Did you bring us any food? No. >> I am fat and I like food. >> No, this is my day off, so I I left it. at work. >> Um All right. That's a little racist of. you, but that's okay. What do you What. do you What do you make? >> Uh 50 a year. >> So, >> okay. What does that break down to when.

it comes to hitting your account on a. monthly basis? >> Monthly, it's about 3150. >> Okay, cool. So, in San Antonio, cheapest. major city in all of Texas if we're. adding that at four, five, six, seven, $7,100. a month. Certainly not bad. How are we. doing? I mean, obviously you guys are on. this show, but how are we doing? We're surviving. Uh, we're getting we're. getting there. Yeah. >> Are we actually doing either of those. things?

>> So, we have five dogs. >> What's the importance of that in this. conversation? >> Well, I feel like that really revolves. around our life and how we live because. a lot of the times like if we need to go. somewhere or if something like that. happens, we have to find some type of. >> I'm confused. Why does that matter? I'm. not telling you to go on vacation. I'm. >> Well, just sur like living. We have to. be home by a certain time to make sure. that the dogs are fed. Make sure. >> you guys make good income. >> Well, yeah, but as far as like. >> how they're spending that you into debt. What's the living weird situation? Okay.

I don't see a mortgage in here, but I do. see $133,734.81. of debt. What the. >> Yeah, >> you didn't know this. >> Um I knew it was a lot. You didn't know. What did you think the debt was? >> Well, I didn't know the exact number. I. knew that we were in debt. Who's bringing the the majority of this? >> Pretty evenly. So, we just got married a. month ago. How long have you guys been. seeing each other? Cuz lesbians.

10. >> Yeah. Fast and Furious. Go ahead. Uh, we. weren't we weren't that fast. We were. together for two and a half years. >> That's actually pretty substantial. >> Yeah. For us. >> Mhm. How did you guys meet? >> We actually worked together. >> Um, okay. >> We worked at the same restaurant. I. ended up going to a different. restaurant, but I was management and she. was bartending. >> Mhm. >> Okay. >> Mhm. >> Why did you feel like you immediately. had to preemptively defend that? >> Cuz I know there's a lot of stuff on the.

internet about power dynamics and taking. advantage. They don't know what the. they're talking about. >> I guess you're right. But. >> that's why no one no one listens to. them. It's like 1% of the internet. That's is very loud. >> That's fair. I just did I wanted to get. ahead of that before I came and bit. anybody in the. >> So, what are we doing? What are we. talking about? Um, I think our ultimate. goal here is just to get out of the debt. that we're in and start working towards. having a family. Um, mainly, yeah, kids. Um, and I think. >> how we doing that. >> ultimate way to do that is IVF.

>> IVF. >> Oh, yeah. >> Yeah. I mean, we've talked about it, but. there hasn't been like a set plan. So, who's getting pregnant? >> I would like to try first off. Um, because I'm older in age and I would. love to carry one of our children. Um, so we I. >> saw a weird reaction. There's like a big. I wouldn't say issue, but like I feel. like between the two of us, it would. make more sense for me to do it. But she. definitely I'm younger. I have both. >> biologically. >> Yeah. >> Yeah. Biologically, physically. I.

wouldn't say mentally and emotionally. cuz she definitely has that more than I. do. But it just my body would. >> Is this a disagreement in the marriage? >> No, not a disagreement. I just I want. her to try. Yeah, I understand that. biologically it would be more difficult, but that's why I want to get out of debt. quicker so I can try before I'm 75 years. old. >> Have you sp Have you Do you know you. can? >> No, I we don't know. We haven't looked. that far into it cuz all of that takes. money and we obviously don't know how to. spend ours correctly.

>> Mhm. Okay. Cuz it's less of an age. thing, but you know, just sometimes. healthwise, >> right? Mhm. >> It can be a lot harder. >> Yeah. which I mean I think once we start. working towards it and we know that it's. like within hands reach I think we'll. start making the steps to go forward. with that and get ourselves physically. checked out but right now we're just not. in that standpoint. >> So you've wanted a kid for a while maybe. 32. >> Yeah. I mean I've. >> decided we wanted to get a kid. I think.

we kind of just naturally whenever we. first started dating kind of brought it. up, talked about it a little bit, but. now that we're actually married, it's. like we just feel like that's the normal. like natural next step is to start a. family. >> Yeah. Her since she's 10 years older. than me, like she made it a point like. I'm ready to settle down and I'm ready. to get. >> Are we nervous about the 50% divorce. rate for lesbian couples? It is the. highest in the country. And I have had. uh for some reason gay dudes don't want.

to come on the show. I don't know why. Uh, but you know, gay women. Okay. Seems. to be a common occurrence on financial. audit. Sure, why not? >> Most I've had have all had previous. marriages. >> Yeah, that's funny you say. >> Yeah. >> So, which one? I would assume you. >> No, you would assume wrong. I was. engaged prior to this, but not married. >> But you were engaged. >> I was. >> Does that mean you were married? >> Yeah, I was. I started dating this dude. my senior year of high school. He had. already signed a contract to join the. military. Yeah. Whatever. Whatever.

Okay, cool. So, anyways, rinse and. repeat. Anyways, so of course I fell. into that trap. My parents were like, "Nah, if that's what you want to do, you. can do it, but you're going to do it by. yourself." Um, so he went through his. training AIT and got stationed in Texas. So, that's why I ended up here. Um, and. it didn't really work out. It kind of. sucked. >> So, you got married at 18? >> I got married at 19. >> You were married for a year? >> Yeah. Even? >> I don't think I was married for a full. year. It wasn't a full year. You got a.

divorce. >> I think so. >> How did you decide to leave? >> I met. >> Are you serious? You guys kicked it off. while you were married? >> Oh, it started out platonically. >> It started out platonically. >> It really did. It really didn't turn. into something until I was like, "Okay, I think I'm ready to leave.". >> Yeah. But you were ready to leave and. then you were immediately kicking into. this, meaning that we were there. >> Yeah. >> Mentally. Yeah. But I was also a. singleing time mentally ready for me for. a while though. Like.

>> you were married for less than a year. What's a while? >> It doesn't take much to learn from how. that guy was because he didn't want to. combine finances. He didn't want to do. anything together. He never get married. >> Well, of course, there was a fake face. put on before I realized that he was. kind of personally. going into the military. >> More than 6 months before getting. married. Yeah, of course I was. But I was also. pressured into being married because of. the financial aspect that comes from. being. >> into this relationship or the other one.

>> The previous relationship. >> Okay. >> Because they get the allowance and. stuff. >> Do we feel pressured in Did we feel. pressured on either side to get married. in this relationship? >> No. >> No. >> Okay. >> I mean, that's why we dated for a full 2. years before deciding to get married. >> So, what's our disagreement? What's our. thoughts on money? Because there's. always there's always something here. with the couple. You guys are here. Obviously, the finances are [ __ ] We. just read off the number. We're bringing. into the marriage. Bad dad on both.

sides. What are these conversations. around money that you guys are having? >> Do you want to tackle that one? Um, just. recently, I actually started watching. you maybe a month ago. So, I feel like. I've been trying to get my head on. straight and especially, you know, being. a little older, I just want to get her. on the same page as me. And I feel like. we're just. >> What are the conversations though that. you guys are having? >> I think the conversations include her. saying, "Hey, we should get our finances. taken care of." And I'm like, "Yeah, yeah, yeah." And then I just keep doing.

exactly what I was doing before. >> If you're able to acknowledge this, why? >> Um, Um, probably because I don't think I. was financially ready to be there. I. think I was stuck in. >> to be in the same head space as her. because I think. >> why are we married? Cuz finances are one. of the leading causes for divorce. You're already in the highest divorce. category. So. >> why do we seal the knot, tie the knot if. we're not on the same page for one of. the most important things? >> Because I think it was mainly because I.

wanted to achieve what she wanted. Um, so I think it I wanted to get there. quicker, but I needed to be on the same. page as her to get there, if that makes. sense. So I'm trying to go go and get. where she wants to be, but I'm also. stuck in my old habits. And I think that. sealing. >> What are you doing to change it? Are you. changing? Because you could put in some. effort and change. >> I could. Yeah, I completely. >> So what are we doing then? >> What are we doing? >> Spending like we have money to spend. whenever we. >> So you too. I feel like it's more from.

her cuz I I I am trying to get my. together, but it's kind of difficult. >> It's just one half. >> Yeah. Whenever I get home and there's. Amazon packages sitting on the front. door and stuff. So, it's it's a little. kind of like out of left field just. coming home and seeing more stuff we. don't need. Whenever she says, "Yeah, we'll fix it. We'll fix it.". >> Did you guys not discuss like. >> not purchases? And I think it was. everything. I think it was a lot harder. because our finances were separated. So.

like I couldn't hold my like I I can't. hold myself accountable. I just don't. have I I can't I can't. >> What does I can't what? What do they look like? >> I mean I I really haven't attempted. I. just haven't even tried to do it, I. guess. But holding myself accountable is. really difficult with my own bank. account. So I know that like if maybe I. had the same if I had a second person on. there, it would hold me more accountable. because I knew that it wouldn't be just. my money. It would be our money.

>> Okay. So in the conversation around. money, you earn a little more, you earn. a little less. But again, we are not. making bad income for the household, what is the relationship with deciding. where money goes specifically? I know we. don't talk about purchases specifically, but where's the conversation about what. we're doing, what goals we have, what. actions we have to put in together to do. it. >> I think our we're so. >> I have notes that even though I don't. really care cuz you guys are adults. I. don't give a that you're 10 years apart.

So are my grandparents. I don't care. But it's like we have notes that you. told the producer that you struggle with. the age gap. >> cuz I've had how many years ahead of her. that I am like we are fixing this now. >> She's two years older than me. Do not. make me feel old. What the are you. doing? >> But also like. I kind of feel like a little bit that. kind of made me a little mad because. like you're 10 years older than me, but. we're still in the same boat. Like we. both still have credit card debt and a. car loan and student loans and all this.

other stuff. And I'm just like, >> you might be 10 years older than me, but. we're also still in the same boat. You. know, I I feel like right now in this. period of time, I want to get it. together right now. And I feel like. maybe she thinks, well, you have 10. years on me, so I still have time to. figure it out to get to how old you are. to figure it out. Even like I'm just. trying to push it as much as I can right. now so she doesn't end up 32 and 100 and. however much money you said we are in. debt.

>> But why did you specifically bring up. then that we struggle with the age gap? Because you brought this up in the. pre-con conversation. >> I don't know. I I think that I don't I. wouldn't say it's much of a struggle. I. think it's just I don't even want to. call it a setback because it's not a. setback. It's just I just feel like I. need to play catch-up with her because. we are like we're always going to be 10. years apart. But I feel like I'm. constantly having to play catch-up just. to get like where she wants me to be. If.

that makes sense. >> I don't want you to play catchup. I want. you to be ahead of me. I want to catch. up to you because I'm so far behind. I. want to I want you to do better so I can. be better with you and for you. >> Well, I think because instead of you. like me succeeding you, why can't we. just like meet in the middle and then. start succeeding together? >> I want to get there eventually, but. since there is the gap that you should. be better than me because I know I have. to play catchup to be even somewhat.

stable. >> Why is it you calling out her for. needing to better? is that her needing to get better so you. can get better though. That's the weird. part to me. That seems like some weird. kind of bull deflection in my opinion. >> Yeah, a little bit. I don't mean it to. come off as deflection. I just mean if. she is starting to do right at 22. that I have to catch up to get even. because. >> is it a what is this competition thing?

I'm so confused. or. >> No, I don't think it's a competition. I. It's just I want the best. >> We're married. We're together. That's. why we're doing this as a pair to get. up. Then you're also kind of acting like. you're better, >> honestly. Yeah. >> Oh, cool. I don't think I'm better. because I'm. >> Well, that you have your together a bit. more. >> Barely. >> Not like a better person. >> Oh, man. Take a look at those statements. and we'll figure out if I have my. together cuz I close. >> Well, is this They're still your. languages. >> Okay. >> They're still your language.

>> Okay. No, I mean I just I know this is a. partnership, but I want her to do better. than me so she's not confused, though. Aren't we doing everything together? Isn't that the point? >> Yeah. >> Right. Right. But I don't want her to be. 30. I don't want her I don't want us. both to be 10 years from now and still. in this. I want her to be at my age and. we're not even close to this. >> Okay. I mean, I can vibe with that. And. if we're trying to have kids, an IVF, that's definitely not cheap as well.

>> Um, I know there's some international. options, but even still, >> how many kids are we trying to have? >> She wants 72. >> Okay, that's what I want. Like three. Three. >> Yeah, three. >> Okay, I guess we are on the same. >> Are we flip swapping each time? Like. boom, boom, boom. >> I don't think so. >> I I would love to have a large family, but I. >> Well, how are we diving out? Who's. >> I want her to give it a try the first. time, and if we if it succeeds, then. hell yeah. We'll go for another one. But. the second one, I don't I don't want to.

put her body at stress. I don't want to. do anything more than what it needs to. be. >> 300,000 hours in kids for IVF alone is. like crazy. >> Yeah. Yeah. I mean, >> how are we? But we're over $100,000 in. bad debt. >> Yeah. >> And we're not. fully aligned where we kind of have that. goal of like, okay, this is where we. want to get. We want to get to IVF, right? >> But like how to get there? It's like you. don't seem you're ready to compromise on. your lifestyle, but you want her to be.

better off than you are at your age when. she's that age. And I get that. How do. we get to these goals though if we're. not kind of aligned? Like you want to. push her to do better, but you're not. really changing anything. >> I don't think that it's not that I'm. willing to compromise. So, I graduated a. year ago. Okay. It took me four months. to get a job and even then it took one. Well, I don't want to say one in case. somebody sees this. It's not bad. It's. just I can definitely succeed further. and further, but my job that I'm in and.

the career field that I'm in, I have to. have. >> doesn't matter though. Income doesn't. matter. People can be the highest income. earning people in the world and be. financially [ __ ] It depends where. your money goes. You're talking about. your behavior at the beginning when you. >> When I first got this job, I was. obviously in student debt. I had six. months to start paying it or to I had a. six-month leniency period and I was just. figuring out how to actually live off of. a decent income because before that I. was just bartending and it was like paid. to daily and now here I am trying to.

figure out how to survive off of a two. week like pay period if that makes. sense. So switching from that to so like. instead. >> so you guys do not budge to be very. clear because that I mean that's the. immediate solve to that. If we're trying. to get better, why have we not put in. any of the actions that we know. >> historically across the board works for. people? >> That's like step number one. >> Yeah. >> Learn where our money goes. >> Yeah. Well, we know that our bills are. paid. >> Yeah. Honestly, when most people say. that though, I go through and.

>> bills are paid. Yeah. They know ours are. paid. Yeah. are paid. There shouldn't be. late fees either. They're actually paid. on time. >> I see. I don't know. I feel like people. never know. >> Don't speak for both of us. >> I don't know. >> Well, are are finances separate? Cuz you. were separate from your exhusband. 22. >> Not anymore. As of a couple weeks ago, we started putting both of our paychecks. into one account now. >> Okay. But where's it going with all the. extra credit cards and stuff? Do we have. access to it? Are we authorized users? Do we review statements together? What.

are we doing? Because that's where a lot. of spending and stuff is, too. That's. where payments have to be made, >> right, >> guys? We know what comes in, right? We. know what comes in. 7,100. What was. spent last month across both. >> both? We're combined, so we should know. It's great. We're. >> combined. >> Last month, we weren't combined. >> Wow. Well, we're combined our. statements. You can take a look back. We. should know. We should be able if we've. been combined these last two weeks. Let's see what we spend the last two. weeks and just double that. That's. probably pretty similar. So, let's see. What did we spend last month? What do.

you think both combined, including on. debt? Probably about $100 less than we made. >> Okay. >> What? >> So it' be about $7,000. >> Yeah, I would say probably about that. >> And you? >> No, I would say probably like. >> Wait, last month. Oh, no. I would say. closer to nine. >> Why? >> Because we had a baby shower and I spent. a bunch of guys. >> No, not our baby shower. A friend's baby. shower. So I. >> Wait, you spent $2,000 on it?

>> No, I'm not saying that. I'm just saying. when I had my personal checking account, I was spending significantly more than. what I'm spending in the last two weeks. since we joined together. >> And you're just not aware of this. >> Uh I feel like I'm I mean I care, but. I'm at the point where she's an adult. and she's going to swipe her card. regardless. >> She's your wife and you guys are in this. as a partnership and she thinks she. spends 2,000 spent $2,000 more in the. month than you think you guys did. She's. She swipes your card. That's what she.

does. Yeah. She like She sees something. shiny, she swipes the card. >> So, fresh into a marriage and we don't. communicate. >> Solid. Yeah. 10 out of 10. >> Yeah. >> Okay. >> So, how much did we spend? >> $9,257.97. >> Yeah. You win. You're. >> Yeah. >> Mhm. >> Okay. Okay. I don't. 9,200. You said. >> 257. That's ridiculous. 97. >> How?

I got I got I got two bonuses last. month. >> Yeah. Didn't make up for it. >> Should be on the. >> They pushed you to 8,000 as a household. >> Good God. >> Bonuses push you to 8,000 from 7,100. >> Still a thousand of it. Um but a half of. that was Lauren. Um, >> if we're not communicating about. finances, >> when bills come due, when. things are forced to be taken out, how do we communicate on where money.

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climb out of debt, not push you further. into it. Check them out at. yrefi.com/hammer. That is y.com/hammer. Or call89733978. That is 89733978. Break free from the high interest trap. and get your finances under control once. and for all. >> Uh I don't really think we talked too. much about it besides the bills coming. up and we got to pay it, you know. And I. just started this new job like a month.

ago. So for for a better part of the. last like three or four months, she's. been covering a lot of the bills because. my job before this was. >> What are you making? So you've been the. bread winner. But for a while there, whenever we were living together the. first year, I was still in school. So, it was very limited on what hours I. could work. So, there's been. >> So, how are we dealing with Why weren't. you going out and killing making more. money? >> Uh, the job the job. >> So, you get a different job. >> I I did I looked for a job the entire. time.

>> Pick up a second job. I know the dogs. got to get home, but we already have one. person. >> I I I did. >> If I'm working and going to school, I'm. going to school for clinicals from 7:30. in the morning to 4:30. pick up. [ __ ] $12 an hour remote call center. crap. >> That's so hard. How am I supposed to. take a call at the same. >> You're paying bills. And I was talking. about her. >> Oh, okay. Sorry. Yeah. Uh I was working. at u I was working for the Spurs. I can. say that I was working for the Spurs and. I only worked whenever they had games or.

concerts and it was just so. >> definitely get a different job. That's. not even a question. >> Yeah, I did. Look, I put in probably. about 300 applications during the two. month. >> How did you feel that the person that. was maybe at that time 21 while you were. like 31 was taking care of all your. bills? >> No, I feel like not all the bills. >> It still made me feel like. >> there I don't want to rely on her to. just live, but I mean that's where we. were in life, so that's what happened. Now, I asked you guys earlier about.

feeling pressured to be married and. stuff like that, but I specifically have. notes that you guys told the producers. that Carrie rushed Trisha into getting. married. >> When we first started dating, you were. like, "I want this, this, and this by. this time." And I was like, "Oh, I got. to pay I got to put it together. I got. to put it together." Do. >> So, you're telling people I'm rushing. you because I had a timeline for my. life? >> No, that's maybe a little bit. I don't. know. I I wouldn't say that I felt. rushed, but I'm just saying like did. feel like it was in times two speed.

>> I'm going to go 3 2 1 go. On go. I want. what you think your combined financial. score is. Okay. At the same time, >> zero being the worst, 10 being the best. 3 2 1.5. >> Okay, so pretty close. If you guys want. to see where your finances are, take our. assessment. Go to caleb.com or click. that link in the description below. Remember, if you don't want to be like a. guest on the show, all you have to do is. download my budgeting app, sign up for. the annual version. I will send you our. budget friendly cookbook and budget.

notebook that cannot be purchased. anywhere else. I'll sign it and I'll. send it directly to you. You can also. come on the show by going to. calehammer.com/apply. All right. So, we're trying to get the. baby mode, but uh what the you writing. down? >> Uh whatever you write down, Caleb, you. write down. So, I'm going to write down. OS. >> Yeah. No, that's a five. I I put my I. put my hammer score and then I'm going. to put her hammer score and then I just. want to take some notes. >> Okie dos. >> Okay. >> K jewelers. >> Yep. That's me.

>> Wedding ring. >> Yeah, ring. It's pretty, right? Custom. I I picked it out. >> Okay. I don't get it. I've never understood. it. It's They all look identical to me. >> We didn't spend any money on an actual. wedding, so we spent money on our rings. Okay. Well, uh I guess at least you can. resell that unlike. >> I would never resell that. >> Of course, unless it blows up in a. horrendous divorce in about 6 months. >> No,

>> 6 months. >> I don't think that. >> just going off of averages. Okay, so K. Jewelers, we got a balance of. >> This doesn't make any sense. We have a. balance of $5,172.91. >> Oh my [ __ ] Do you even know what. happened on here? Yes, I know what. happened. >> Why' you allow this? >> I didn't have the income to pay it off. >> Then why would you [ __ ] do it? >> Because. >> ring pop. Like you get it when you can. get it. Listen, this is this all stacked. up deferred interest and it just hit.

>> Yeah, >> that's [ __ ] insane. It was a $3,72469. balance making our minimum payments. Then deferred interest of $1,59022. hit all at once which pushed the balance. to $5,172.91. >> Right. >> I didn't know. >> over the credit limit of 4,200. You did. not know. >> I didn't know that uh it was deferred. interest and that it had already hit. I. She told me it was on zero interest, but. I didn't know when it was when if it was.

deferred or not. >> What the Why would she not know? >> Oh my gosh. Yes, there was there was no. interest temporarily. I guess that's. what I had told her, but I knew that. there was going to be an interest coming. up in 18 months. >> I think it was 18 months. Yeah. >> Mhm. >> How long does this take to pay off? >> Just making minimum payments. >> Oh, >> no purchasing, which you can't cuz it's, you know, >> gone. Yeah. Um. 15 years. >> 16. >> Oh, that was pretty close. >> You'll be 16. Yeah. Guess what? She'll.

be out of IVF zone by then. >> Yeah. You'll be approaching. >> Hey. Yeah. I mean, you're not wrong. Yeah, that's. >> Yeah. Welcome to math. So, what's more important? >> Ring or having the kids? Cuz obviously. we chose ring and not actually paying it. off. >> I would like for the kids to be more. important, but well, the interest is. already hit. >> How do we get the money for your ring? Cuz you spent all that on her ring.

>> How do we afford this ring? I bought I. bought that ring. >> Okay. >> Funny. Uh money that I had saved. >> What the [ __ ] is it all? So instead of. actually putting it towards the future, we got it towards the ring. >> Well, I mean, why do I note that your. mom gave you money for a ring? >> I. >> like I have I know your guys' reality. I. don't know why you tried to lie. >> I had twoird of it saved. So she gave me. $1,000 and I bought the ring. >> How much were your guys' rings? >> Uh hers was like 3,300.

I don't know how much hers was. Whatever. the first p or whatever the first. purchase was. >> Was this all the ring? >> Yeah. Well, that was also we got our. wedding bands on that, too. >> Yeah. So, there's been three purchase. Well, technically two, but three items. purchased on the. >> $194 minimum monthly payment. >> Yeah, it just went up. >> Uh yeah, cuz you weren't responsible. >> Yeah. >> Are we ever going to be able to get. anywhere if we're not responsible.

together? like we're both irresponsible. on this. Like you wouldn't communicate. about it and it's just like and then you. just let it go and I like I don't know. what to do. What are we going to get? >> Um I think once we hold each other. accountable a little bit more. >> with the joint with the joint account. >> That's it. >> Yeah. I mean. >> but that means sitting down. Okay. Tell. me how we're holding each other. accountable. >> Um I know that if I spend something on. that money or on that card, she's going. to look and she's going to see it. She's. like. >> she's going to look. She see. She says. what? No, I say what the No, wait. Just.

>> that's how these conversations go. That's our groundbreaking solution. >> Okay. She doesn't actually say what. because she's actually a lot nicer than. that. But she not sitting down. We're. not planning. We're not going through on. a monthly basis. We're not laying down. everything, seeing where money went, discussing that need talking about what. we need to adjust for the next month in. order to get to our goal. Here's our. goal. What does it take to get to the. goal? These steps. How do we get to. these steps? >> Not as up to this point. >> Okay. So, obviously that I mean that's. not a method that's going to work. He's. like, "Hey, you just got an Amazon." And.

it's just like, "Okay." And then that. conversation's done, >> right? I guess. Yeah. >> Yeah. Cuz I just see I see it and I see. that money came out and I'm there's an. Amazon package and I'm like, "What what. is this?" And then she tells me what it. is. And there's I It's hard to push. back. I just I want her to be happy. So. I don't I'm not like, "Hey, stop.". >> What is it? Cuz you're you're you're not. wanting to do it out of fear and you're. not wanting to push back out of her not. being happy. So what the. this doesn't sound like a method that. works in my opinion and also just like.

the fear based like it's like the. negative reinforcement that you should. be exper that you'd be experiencing. that's actually going to change your. behavior. It's like you have dogs. It's. like having their whole training be. fear-based. That's not going to work. You want to change behavior. >> You want to change behavior. >> Well, I guess I never really was like. shown how to budget. Like. >> none of us were. >> Oh my gosh. Ladies and gentlemen, a. financial audit. This is one of the most. exciting moments in this channel's. history. You know, I've been working on. building all these educational tools,

our budgeting app, all this crazy stuff. over this past year cuz that is where my. passion is. We finally did it. And now. we put it all into one program called. Dollar Central. You get the premium. version of my budgeting app. You get the. cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what?

You can try DollarWise for free until. September 1st. If you are struggling or. you want to learn more or you want to. change your life in any way whatsoever, like literal tens of thousands of people. have done with our programs, go to. dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. dollar.com. Let's. go. >> I don't It was hard for me because it's.

hard for everyone, I guess. Yes. Were. you taught how to budget? >> No. >> No one was. I wasn't. These weren't. >> Mhm. And at what age did you figure it. out? >> Just curious. >> Just about your age. >> 22. >> 22. I started to get into it. >> Okay, cool. So, I'm right on track then. >> Like, if you actually turn it around cuz. most people don't is the thing. That's. the issue. >> Cuz I'm old and I don't have mind. together. >> Yeah. But I didn't know about Caleb. Hammer whenever. >> I mean, I didn't know about Caleb.

Hammer. You did exist. Y'all the same age. >> Oh, sorry. >> The channel didn't exist. >> The channel didn't exist. >> Mhm. >> Yeah. But I mean, I'm sure there was. someone similar at at her at. >> Dave Ramsey, I guess. >> Yeah. >> Yeah. But he just talks to people who. have millions of dollars. So, what's. >> I see his clips on YouTube all the time. Oh, you have 5.5 million. >> I mean, that's a specific segment. I. think. >> my my parents watch Dave Ramsey. Not.

that I want to be like my parents, but. like. >> What's wrong with your parents? >> They're They suck. >> They're They're not very supportive of. us. That's kind of why. >> Flap on flap. >> Yeah, flap on flap. >> Why are you gay? >> Yeah, she got divorced and they're. they're Bible thumpers. So, she got. divorced. So, that was automatically. strike one. And now I'm a girl, so. that's like strike me. >> Yeah, my parents are like super. biblical. They're homesteaders. They. live off their land. My siblings are. homeschooled. >> We don't want to be like them anyway cuz. that's nasty. I mean, I want to be. financially successful like them, but I. don't want to be anything like.

>> what anyone does. Just get your money in. shape, >> right? Okay. >> I don't care who anyone is. Get. together. >> Mhm. >> That's my philosophy. >> Okay. >> Okay. All right. Well, this is. horrendous. And it's at a 31.24%. interest rate of death. >> Not the worst one. >> It's crazy. >> Okay. Home Depot. What's this? Is this. is this attached I'm sorry. Is this. attached to K Jewelers here? >> This one?

>> Yes. Okay. >> Uh the Home Depot card I opened whenever. we moved in together and I bought a. washer and dryer for us. Listen, I'm not advocating for renting. over purchasing over the long term. But. the thing is. that my first year down here, my first. two years down here when I was trying to. pay off debt, it made more sense than. blowing, you know, a few hundred bucks. or on used or a few thousand on new, I. just rented washer and dryer and it made. sense. And those services are. everywhere. I know they exist in San.

Antonio. >> Yeah, but that would. >> Yes. But you didn't have the money to. get this and now it's on a card that is. acrewing $321 in interest. You're paying. fees. You're paying in interest on this. what I paid in monthly rent just for my. units. And then I didn't have to pay. back $1,55. >> But you had to give it back after you. were done, right? >> Yeah. But that's ours. I mean, we don't. sell yours for probably like $400 cuz no. one wants your nasty ass used washing. machine.

>> Yeah. So, I don't want someone else. nasty used washing machine either, so I. got a new one. >> But I didn't say get used. I said maybe. we rent. >> Well, rented. >> Yeah, but they probably clean it a bit. better. >> Yeah, but we got. >> Maybe. I don't know. I use it. I'm okay. I don't have AIDS. >> I mean, I guess that's true, but we. don't have aids either cuz we got a new. washer and dryer. >> Yeah, we got we got a new one. >> Also, that one has a lot of plant stuff. on it, too. The Home Depot card. >> Okay. For. >> a hobby, right? >> Sure. Not one where you're spending.

endless amount of money that we can't. pay off or budget into a checking. account. I mean, just you can get hobbies that. don't require all that. >> $1,5563. on a $1,700 limit. Yeah. I mean, I see. they they're telling me you spend at. least $4 to $500. >> Oh my god. >> On your little collections. Your little. plant collections. Yeah. >> It's pretty cute. >> I'm sure it's cute. And so is all the. interest rate and so is not having a kid. cuz you guys aren't even close.

>> Yeah. But it's also. >> who wants a kid more? Are we equally in. this? >> I would say that she wants a kid more, but I'm pretty pretty close to being. cool with her. >> Pretty close to being cool. >> Oh, you're not there. >> No, equal. >> Pretty close to being equally excited. >> Okay. >> Or ready. >> I think I'm just more ready because I. know that I would like to carry our. first child. So, I'm I feel like I'm. more so ready because I know that the. window is closing. >> Not meant to be an insulting thing, just.

a biological thing. But aren't you going. to have to lose a decent amount of. weight? >> Yeah, probably. >> Okay. You got to like start that today. though. Okay. What have you lost over. how long? >> Uh the last like 6 months I've lost like. 30 lbs. >> Okay, that's good. >> I'm getting there. Trying my best. >> Okay, keep going. >> You're not doing it in a healthy way. >> Anyways, can we go on with the card? >> What? She doesn't eat. She eats like. maybe once a day. >> You'll bounce back. I've done that. I've. yo-yoed. You'll bounce back. >> Okay. >> Just working in restaurants all the. time.

>> Unsustainable. This is like you will. bounce back. You will fall into old. habits. That's what's happen. Like I've. lost 40, gained 40, lost 40, gained 40. This is this just happens. And I did. like the starvation diet too. Does not. work. >> I'm not purposely starving myself. I. just since I work in a restaurant, I'm. around food all day. Just the thought of. eating it makes me nauseous. >> Okay. Uh, we've had a late fee on this car. this year, guys. This year, >> see what did you say at the beginning? What the [ __ ] did you say at the. beginning? >> Yeah, they said that there was no late.

fees. >> Yeah, I told you this always happens. This happens every time. >> This happens every time. I can't believe anyone that is on the. show, unfortunately, anymore about. basically anything at this point. Everying time. I didn't know that that was legal. >> No, that's why you said it. Or you were. lying, but this is better. I'd rather. have ignorance. $136.53.

of interest acrewed this year so far. >> I thought that was the late fee, >> huh? >> I thought you was 40ucks. Okay. >> So, what the Why do you think that. happened? >> I don't know. I don't like putting it on. autopay. There's just something about it. that just makes me nervous. So, I just. go in and do it myself. So, I guess I. overlooked it. >> Okay. All right. Is uh. everything's on auto pay now? >> Nothing's on autopay. >> Why is nothing on autopay now after.

clear? Well, like you you didn't know. this was happening until right now. Why. are things not on autopay? What's the. philosophy? >> I don't know. I just there something. about it just makes me anxious. So, I. just don't know. >> What? Do you guys have not enough money. in the checking account ever? >> Sometimes. >> Why you guys make money? because we. spend know how to budget. >> That's not just about budget. Even if. you're not budgeting, you know, not to. go swipe with the bull. >> I mean, I've gotten a lot better at. that, but I'm not. just like everyone says they never have. a late payment and then I find a late. payment. Everyone says I've gotten.

better. Then they're not. I just saw. $2,000 spent more than came in last. month. 3,000 more than normal. So, I. don't give a that's not true. [ __ ]. spending basically 900 bucks. >> Holy [ __ ] That's. >> Sorry, that's not spending. That's just. going out to eat. >> What? Good. >> Oh, see extra miscellaneous [ __ ]. Basically 500 bucks. >> Okay, but the $500 was her baby. >> Other large purchases. 1,400.

>> Large purchases as in what? >> Large purchases. Let's see. Large. doesn't mean miscellaneous, but it just. kind of unatategorized. Unknown withdraw. 1350. >> Oh, that's bills. Okay, it was an unknown. And then. Turboax 84 bucks. Uncatategorized. Miscellaneous [ __ ] That's like. American Eagle overdraft protection. >> That's my fault. >> Did you know this? >> No. >> Yeah. >> Overdraft protection. So you're Oh, you're overdrafting on your your.

checking account. Yes, I did know that. one. >> But it's because I have it's because of. the stupid pest control company that I. agreed on and I accidentally signed. I. didn't accidentally. I just didn't know. about it. They lock they knocked on my. door and they were like, "Hey, we can do. this for this." And I was like, "Okay, sure." Yeah, we have bugs. Let's do it. And it ended up being a year and a half. >> I actually got sold by aing knock on the. door pest control person. >> Yeah. I never almost shot people with. paintball guns more than those people. >> If Carrie was home, she would have said.

no. But I was by myself. >> Maybe we shouldn't allow age gaps. You. have the mind of a 16-year-old. >> Not maybe in finances. Huh? Maybe in. finances. Maybe in finances. I have a 60. >> Yeah, she signed a year-long contract, so it takes money uh every month. >> And you overdraft because of it. >> I forgot about it. >> Uh a courtesy pay fee. >> What's that? >> Well, we will see. Old Navy, Tik Tok. Shop Academy, Sports, Pop Shelf, Miscellaneous Spending, Quizlet, and. Apple stuff. >> Did you buy.

>> miscellaneous [ __ ] 250? So, we're. talking just bull guaranteed. >> Did you buy Quizlet? Yeah, I bought. >> Guaranteed [ __ ] 1,200. God damn. >> And there's probably a lot more, >> but I think I think I feel like. >> Oh, and then subscriptions. Uh, we have. ID Protect, Netflix, Spotify, Disney. Plus, Acorns. >> That doesn't seem like a lotion. of. >> your phone. >> Yeah. What do you want me to pull up? >> I want you to open it. >> Okay.

>> Okay. See, she's more brave. >> Yeah. I don't care. Nothing on there. You have second try which removes. monthly. I don't know what that is. What. is that? >> That try guys. It's a YouTube. >> But our membership is so much better. I. guarantee you our content is higher. quality and more more content as well. >> Okay. >> Mostly because YouTube told us that. themselves. >> HSP premium. >> Yeah. Heart starts pounding. Those are. >> Oh, for sake again. Wrong one. And then.

iCloud Plus. Oh, no. Media. >> Oh, that's a good one. No, you can't. make that face cuz their is good. >> Yeah, their content's good. >> They have three separate podcasts. >> It's all about like murders and stuff. >> Yeah, good stuff. >> Thrilling. Planta. >> Yeah, I don't pay for that one anymore. >> Okay. >> I needed it for my plants for my hobby. >> If I go through your guys' text message. conversations in the post show, is it. all are there going to be lesbian. fights? >> No. No, we actually don't fight that. much. And if we do, we just like sit.

down and speak like normal adults. Yeah, >> we'll see. >> Okay. >> A lot of it is probably just me. complaining about my job. >> Charard's family party game. >> Huh? >> Charz. charades. >> Oh my. >> Are you okay? Was that a stroke? >> You just had a stroke. >> That's what that was. No.

>> Is that a stroke? Can we just wait? >> Oh my gosh. >> I'm uh I am uh. not proud of that one. >> I haven't I don't pay for that. It says. we're. I. stopped paying for that. By the way, >> I'm not known for being able to read. well. >> Oh my god, that was funny. Wait, so was. that the only thing on there for me was. charades? >> Yeah. >> Okay. >> Fridays. Okay, discover it. What's that?

>> Mine. >> Okay. What's going on with this? It's. >> just purchasing on a card that is. acrewing interest that is. >> over the credit limit. Did you know. that? >> Uh yeah, >> it's over the credit limit. >> We I just found out like a couple nights. ago that she was still charging stuff. >> Tell me how'd that conversation go? Why? Why did it even happen? Because you're. coming on the show and it's about to be. exposed. Go ahead. >> That's exactly what it was. We were. coming on the show about to be exposed. and I said, "Do you even spend on your. credit cards?" And she said, Yeah. And I. looked at that one. >> Oh, I thought I said no. Um I I honestly.

thought that because it was maxed out, I. didn't have room to spend any money on. it, but I. >> Well, you put a little payment that. brought it slightly under the new spent. and then interest hit and now you're. over. She's $125.93. over the credit limit. >> $146 minimum monthly payment again. >> $190 of purchases while $125.99. of interest is acrewing. Why the. regardless of max out or not? Why are we. purchasing on a card that we cannot pay. off and that interest is acrewing?

>> Um, question is all this time here. >> Because I didn't have the money in my. checking account. >> Then why are we spending? >> Um, it um because I'm not good at meal. prepping. That's a large majority of. what that is. >> Well, you have a significant other as. well who by the way, you know, does. cooking things, >> right? But as soon as she gets home from. work, she's tired from cooking at work. So she's. >> being lazy. >> Let me guess. You're just using an. investing app that doesn't invest in. you. It is time to change that. Right now, Weeble is offering up to a 3.5% match.

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commission trades. It actually works on. all your devices. And now through. September 30th, you can stack even more. Get a $100 cash bonus for a $2,000. deposit, plus a 2% cash back on all. deposits and a 30-day premium voucher. and a 4% APY booster on any uninvested. cash. It doesn't get better than this. So, stop overpaying for a platform that. gives you nothing back and make the. switch to Weeble. Go to weeble.comkcaleb. or hit the QR code or the link below. Let's get back to the show. >> I don't think it's lazy. I get my.

>> sounded like lazy. >> Yeah, >> I get beat at work every day. >> Yeah, I also get beat at work every day. It's not the same concept, but it is. similar to similar eating. >> I just don't want to cook whenever I've. been cooking all day. >> Yeah, but we have to cuz we don't have. money. We just saw that what was it $800. going out to eat in a month or 900? I. don't remember. which is honestly like a. real eye openener because we I know that. we didn't really have a budget, but we. kind of eyeballed it and we thought.

about doing. >> Oh, your credit's 543. >> No, not. >> you said your dis This is your. discovery. >> My credit is not 543. >> It says this is your credit 543. >> There's a copy of my credit credit. report. It's bad. >> Was it worse? >> It's not 54. >> It's worse. >> It's lower than 543. >> It's bad. >> Oh my god. >> What is it? But it's because. >> what is it? >> 474. >> It's because my student loans. >> Wait, we're going to get a house. together? >> Maybe. Be nice. >> If we want to get a kid, sometimes we. want to get a house with it. That's.

classic America. >> Yeah. >> Not with that. >> I know. >> Not with this debt to income for either. of you. >> Agreed. But it's my student loans hit my. account. >> None of these are necessary purchases. >> No. Nope. >> So, this wasn't because I didn't have. enough money in my account. There's the. American Eagles, Subway, Norah Snacks, Dunkin' Donuts or BaskinRobins, Norah. Snacks, Starbucks, the liquor store, McDonald's. Going in and getting some. [ __ ] Going in and getting some BS. Starbucks, McDonald's, McDonald's. Oh, late fee this year.

>> This year? >> Oh my guys, guys, what is wrong with. you? You have reasonable reason. You. have a reasonable aura or surrounding. you when you talk in this conversation, but then you don't put noing anything. >> I think we're just I I'm ignorant to a. lot of her spending and I'm assuming. she's ignorant to a lot of my spending. and. >> but give us a little bit of grace. because we are. >> actually married so we just combine our.

finances. >> That doesn't matter. You should have. been making a. minimum monthly payment. I mean, I. agree. >> Well, that's that that has nothing to do. with fresh marriage. >> Yeah, but of course we're ignorant to. each other's finances because we didn't. >> No, you're ignorant to your own. >> Oh, well, that's I I never said I didn't. have a late fee, though. I never said. that. >> But still, you didn't know you had this. >> Oh, yeah. You're right. I mean, I get. it. I didn't I thought that I made all. my payments online. Credit card. >> You don't do autopay either. >> Credit No. >> Well, you don't have like the uh missed.

payment. You were late. Oh, well that's. not Did I get a fee? >> Yes. >> Late is where it hits or uh mispayment. is where it hits your credit. >> Oh, okay. >> That's letting it sit there for a bit. >> Gotcha. Glad we cleared that up. I. didn't know that. I didn't know the. difference. I thought late fees hit my. credit karma as well, not just a. mispayment. >> Also, credit camera is not perfect. >> No. >> So, what what are we doing? Where is. this? Norris snacks and Dunkin Donuts.

and all this. It's so much [ __ ]. spending. I know. And it's while I'm on. the road at work. I don't ever just. leave my house to go to. >> Northing Sam. You guys are women. >> Oh, so we should be in the kitchen. >> Yeah. Let's be a little sexist real. quick. >> Okay. Real cute. >> Okay. >> Okay. >> Yep. >> We should be in the kitchen. >> I don't always have a refrigerator. >> Guys, we have a kitchen here if you guys. want to touch it on your way out. >> Oh, cute. I was already in there. Thank. you. Um, >> a classic. >> Um, first place.

Um I there's not always a microwave or a. kitchen available to me, so it's hard to. pass. >> sandwiches. No, no, no. That's called a. cooler. >> Yeah, I do. I have some lunch box. >> Lunch box. It's not a very good one. >> Yeah, it's not a good one. >> Then get a better one. >> She just keeps buying lunch boxes, >> actually. >> Yeah, I'm on like my third lunch box. >> What are you doing? >> I feel like I just don't never have. enough room. >> No, she just likes to spend money, so. she sees a she sees a lunch box that's. cute, so she spends money on it. I. actually bought one that included uh.

containers and a lunch box for a cheaper. price. >> And you equally use none of them. >> Uh yes, I do. >> Well, then why? What is all this then? >> I can't pack a coffee in a lunch box. >> You can do it in a thermos. >> Yeah, but I like my stuff cold, not hot. >> Then make it cold in a thermos. What do. you think a thermos does? It maintains. temperature, you dumb tit. >> The cold the cold I'm I don't like. watered down coffee. And the thermos. always keeps it cold. Yes. Put the water. in. >> Put a non-melting little ice pack in.

there. >> In my coffee. >> A little thing. You know, it's like. plastic frozen with water inside. It. doesn't melt. >> The woman was too stunned to speak. >> I don't know what it's called, but we. know what I'm talking about, right guys? >> Like a reusable ice cube. >> Yeah, like that kind of or like a little. ball. >> You the possible some people put it in. their whiskey when they don't want it to. water it down. Oh my. >> I was unaware. I didn't know those. existed. >> You're obsessed. Aren't you guys like. obsessed with Amazon? like just look. things up. >> I wouldn't say obsessed with Amazon.

>> We really don't go crazy on Amazon. She. pulled that or she brought that out of. her butthole. Her butthole, but she. didn't it. It's not like we go crazy on. Amazon. We don't spend hundreds and. hundreds of dollars a month. >> So, how long do you guys think you're. going to stay married? >> Forever. >> Forever. >> Yeah. >> 27.24%. interest rate on here. >> It's a little bit better than the case. Oh, bet you're going to hand that to me. >> Huh? Then what? >> The case. The K jeweler card. The other. card. It's 31%.

>> Apple card. Who's this? >> Mine. >> What's going on? >> Uh. I I opened that card originally. uh like five or 6 years ago and I bought. an iPad. Yeah. I don't use it. Um. >> no one uses their iPads except for. >> Yeah. Um but I opened it and I had a. line of credit and my life kind of went. sideways. So, I maxed it out. >> A lesbian breakup. >> Yep. Lesbian breakup. I moved out of the.

house and she took all the furniture and. everything and I was stuck paying 2. months of rent somewhere I wasn't. living. Then I couched her for six. years, six months, excuse me. I've just. kind of been in a hole that I have not. tried to get out of. >> Not tried. >> I mean, I've monthly minimums, but I. >> Yeah, it's going to take 10 years. >> Yeah. >> 42. >> Mhm. I haven't like sat down and been. like, I'm getting out of this now until. recently.

>> Yeah, but then you guys haven't done. anything. You still sp You discussed, well, let's get out of this and then you. still spend more than you brought in. >> Yeah, I agree. We need to sit down and. have a conversation, but. >> I thought you guys already did. That's. what you just said. >> Yeah, we talked about getting out of it, but it's not like we set up a plan. >> We haven't set up a plan. >> What's the point of talking about. getting out of it if we're not doing a. action required? It's hard whenever I. see her like two times a week because we. work opposite schedule. So, it's hard to. just see each other. >> This is the one day off I have a week. So, >> this is why you guys have lasted longer.

than most. >> Maybe. >> No, we like each other. >> I mean, we like each other, but like a. lot of the times it is because we only. see each other on. an hour at a time. >> Yeah. Like Wednesday nights and Sunday. nights are the only time we really see. each other. >> That's crazy. How the are you going to. maintain a healthy relationship? Honestly, >> I like that. >> Like, not joking. I know, but how are we. going to maintain a healthy. relationship? You can like someone and. it doesn't have to be healthy. >> I mean, I don't. >> cuz if you don't if you see each other 2. hours a week, that's brutal. >> Yeah. I mean, yeah, it's tough, but like. it it makes those moments more. cherishable.

>> Yeah. But it also makes it impossible. for us to have hard conversations cuz. you don't want to spend those limited. hours to see together, >> which I agree. But I feel like with our. limited amount of seeing each other. limits the amount of hard conversations. that we have to have. >> Well, we need to have the hard. conversation now with this. What? I. mean, yeah, obviously. >> What else is What do you think? What. What show are you on? >> Okay. I I just feel like the hard. conversations are very limited because. we don't see each other. >> Well, also you guys are barely married. >> Well, we also don't have the arguments.

over stuff like that cuz whenever we did. sat down sit down, obviously we didn't. go into any kind of action plan, but. whenever we did sit down to talk about. this, it was a very pleasant. conversation that it was just like this. is what's going on and we need to fix. it. You know what's interesting? You're. the butch mask one. >> Thank you. >> But you have a more feminine voice. You. have a more masculine voice. You're the. more femin one. >> I also have a scratchy throat because. I'm have allergies. >> This isn't not a cold. >> I don't normally I mean I guess my voice.

is about the same. >> I have a very feminine voice. >> Oh, that's Yeah. >> $48 minimum payment $1,493.19. owed on here. Uh. no purchases that month. I honestly. think I'd be a fantastic lesbian. I'll. be completely honest. >> I agree. Honestly, >> you have a very masculine like a. feminine but also masculine. Like. >> he has a girlfriend. >> Mhm. >> Yeah. He talked about on the show. >> Interesting. >> Do you like Yeah. Whenever you yell at.

her, do you go. >> yell at her? I yell at her. >> I don't know. >> Why do you have good finances? >> You guys are dumb. >> Is she dumb? >> No. >> Does she have good finances? >> Yeah. >> Yeah. That was like one of the criteria. >> I didn't think about it a bit cuz I. don't you know it's not like we. replicate this show in every instance in. every aspect of lives. >> Your first date is this. >> Yeah. >> Okay. Uh I don't see interest occurring.

>> Caleb, >> what? >> These papers are stressing me out. Can. you like can we straighten them just a. little bit? Like. >> No, I'm not. >> No. OCD maybe. If anything, she's got a. little bit on the spectrum. She's agreed. to it, though. But I. >> She's agreed to being on the spectrum. >> I mean, she agrees that she I mean, it. was her like it was her fault. >> She consented to being on the spectrum. I'm confused. >> Okay. Anyways, anyways, >> I don't know what this Oh, Big Lots. Great. >> Hey, they closed though, so.

>> Huh? >> Big Lots closed. >> Yeah, probably not the bank servicing it. though. >> No, but I'm just saying that I can't. spend any more money on that card. because. >> it's not available to other stores. >> No. Oh, they closed the card. >> They closed. I mean, technically, yeah, because it fell off my credit, but. obviously it better be because you're. over the credit limit. >> Yes, the interest just hit on it, too. >> Yeah, but if you make your minimum. monthly payment and you never miss a. payment, you wouldn't be above the credit limit. That's not how that works. mathematically. >> Wouldn't be above Yeah, I have. Have I.

missed a payment on there? >> Uh, potentially. I see a few this year, but it's not very long, but I I can't. see last year. >> Oh, we just got that. Yeah. At the end. of last year, I bought a couch on it. >> Sick. >> Yeah. >> You owe $1,28748. >> Minimum payment $46. >> Mhm. >> $34 minimum payment made. >> That's less than the minimum required. Maybe that's. >> It just went up. >> The minimum went up.

>> Yeah. Why would it go up? The. >> interest just hit on it. >> Deferred. Oh, I see it. Oh, I didn't see. it. Oh, that's why it's above. That's. not cuz just random interest is. occurring. It was deferred interest. This is the second time. Second time. you've allowed a card to just have. deferred interest. Why the are we buying. things and not doing the minimum monthly. payment required to pay it off before. the deferred interest heads? Cuz I'm. okay with 0% financing things, but you. got to be strategic. >> Well, that one it was the payments had. to be higher than the low monthly.

>> That's how it works. >> And um I was unaware of that. I thought. you can do math for 3 seconds. It the statement came in my email. It. said pay this much. I paid that much. I. did not. >> Why don't you look at things? >> I don't know. >> I just don't. >> Do you have any care in life? What do we. care about in life? >> Making sure my bills are paid on time. except the Discover card. >> The correct bills though cuz also now. this has just hit $376.17. of interest. Meaning in my mind you did.

not actually have the bills hit. >> in time. The important bills are rent, car, and electric. These are important, but they're not, you know, necessary to live. >> Now, you have to pay more. >> Yeah. >> And if you want to live in a house, they. are necessary cuz they're your credit. >> Yeah. >> So, I I don't understand what you're. talking about. >> Okay. I I I understand what I'm talking. about. >> Does it sound reasonable?

>> Yeah, sounds okay. Do you agree with her. take? >> No, I don't. Cuz these are bills that we. put on ourselves, so they're obviously. necessary to pay off. >> But um I don't know. Yeah, our rent's. paid, so I guess that's where she's. coming from. >> And our dogs are fed. >> Yeah, part's not horribly difficult, but. >> uh it is when you have five dogs. It's. expensive. >> And I get like the best dog food. And. >> oh, >> I did before I made good money. >> Like it's still relatively chill in the.

grand scheme of bills. >> Yeah, I guess. It's now a big vet visit. That's a different conversation. But. 31.24% interest rate. >> Mhm. >> And now that is uh consistently acrewing. >> going forward. >> Yeah. >> Because we decided not to get ahead of. uh any of our bills. Oh, me. Why? What. are we doing? There is so much here. All. right. TSC. Tractor Supply. >> Who's this? That sounds like you. >> Oh, that's mine.

gay. >> Yeah. Uhhuh. The big glitchy lesbian. You ask me. >> $95841. >> Here. You need mine? >> No. Minimum monthly payment is $34. >> That's not bad.

Interest is acrewing $24.26 takes 5. years to pay off. Okay. What happened? What's this? >> Um that was it started a while back. whenever I was getting my dog food only. from there. Um I haven't spent on it in. a long time. Uh my what. >> what is it? >> What do you think? >> Is it late? >> What do you think? >> What is it? >> Don't say it's a late. >> What do you think? She has a late fee. this year. >> That's That's boo. That's boo. She has a late fee this year.

>> That's not surprising. >> I I I didn't know that. >> Is it just one? Does it just show one? >> Maybe we should consider auto pay. Honey, >> there 33.24% interest rate. What the. >> What the. >> I got it whenever it was on one of those. promotional things and uh spent money on. it and haven't really thought about it. since then. Great. That's a quick path to financial. success.

>> But I needed dog food. So like I needed. the. >> Yeah, you needed need to put it on a the. credit card or you guys got dogs when. you financially should not have cuz you. are responsible for it. >> Oh, well that's agreed. We just got a. dog last year. >> Why do you guys have five? >> Uh cuz I h Oh shoot. I have two. >> She had two. And then we just got a. puppy. He's a year old now. >> Why? You guys want to bring kids, too? >> Yeah, I know. >> It's going to be a chaotic ass house. >> It's going to be wild apartment.

>> No, it's a townhouse. >> But our our last dog that we just got. was kind of like a a spur-of the- moment. type thing because our one of our. friends was trying to breed a dog and. they ended up being the wrong type of. breed cuz the wrong male dog got a hold. of the female and she had an extra dog. and we were like, "Yeah, we'll take. him.". >> Okay. Who's the American Eagle? >> Me. >> $334.69. Yeah, cuz we had to spend $100 on a pair. of jeans. >> Oh, for. >> it's not $100. It might be my.

sweatshirt. Sorry. >> Did we move it? >> No, you're just not even wearing them. >> Oh, my jeans. Well, there's a reason for. that. >> Are you pregnant? >> No. >> No. No. No. >> Why? >> What? What's the reason for you not. wearing the pants that you spent $100. on? >> Oh, she's on her period. They're not comfortable whenever I need. to I need to get a new pair. >> Yeah. So, one week out of the month, every single month, she can't even wear. the jeans that she spent $100 on.

>> Also, I'm in scrubs almost six out of. seven days of the week. So, I hardly. wear the pants that I actually own. >> $334.69. Minimum payment $30. Purchases you're purchasing on here. still. Yeah. 78. >> Yeah. Like, that's okay. That's okay. They had promotions and I. bought a pair of pants. >> Doesn't matter. That means you're making. them money and you'reing yourself. >> Um, >> for pants that she doesn't even pants. out of it. >> For pants she doesn't wear because she's. in scrubs all day. She just said that. herself.

>> Yeah, but I like looking nice and the. pants fit comfortably. >> Well, >> what? >> You look fine. >> You look nice. >> You look fine. >> Whatever. I like the pants that I. >> look fine, too. We're both dressed basic. as. >> Yeah. >> $30 minimum payment. $14. 14 months to. pay this off. Yeah, purchasing American Eagle. Okay, let's see here.

No fees this year, surprisingly. >> Hell yeah. >> $29 in interest. It's at a 34% interest. rate. Yeah, let's let's let's keep. purchasing on this card. >> for jeans that we don't wear because. we're in scrubs all day every day. >> I also don't just buy jeans. You know. that. >> Who took whose last name? Did we do. that? >> I haven't done it yet. >> Are we going to? >> Yes. I'm going to take her last name. >> Parents probably not happy. H. >> We pretty much cut them off. So. >> really, >> they may or may not know. Who knows? >> Really? Full cut off.

>> My ex probably told them just like he. told them that I was dating a woman. So. >> Oh, yeah. The ex likes to stop all of. our stuff and tell the parents. everything. >> I can see him taking it personally cuz. you guys kind of. >> Yeah. Well, literally married. >> His last two girlfriends previously. ended up gay, too. So, it's not a me. problem. It's a him problem. The number one YouTube membership just. got upgraded. Three exclusive shows. every day, Monday through Friday. Financial audit post shows, exclusive.

and uncensored financial audit episodes, our call-in show, Hammer It Out. Well, >> then take the train, >> and brand new shows, Fat and Fatter. That is wild. >> That one is. >> I would go off brand. >> behind the audit. >> What? >> This was wild. >> Shop smart. >> And now upgrading from one live stream a. week to two. No other channel offers.

what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Join Hammer Elite, the best membership on YouTube today. You're in the middle. Or have you fun. swole? >> What? Swung full. >> Well, I'm married to a woman now, so I. would say I went full. >> No, I don't think that. No, no, no, no. You can still have different sexuality. >> Yeah, but I'm not interested. No thanks. I'll pass. >> She's being very defensive right now. I. don't know why. >> I'm not trying to be defensive. I'm just.

saying. >> sassy and a casual question. >> No, she's sassy. So, I'm wouldn't be. surprised if it sass just came at you. the rest of the conversation. Yeah, she's kind of a $25 minimum monthly. payment. >> Okay, that was rude. >> You didn't like that one? >> No. >> I mean, I can be a but it's I was trying. to be nice. No. >> $300. Uh, that's the limit. But you're at. $29720. >> What is this? >> Mine. >> Oh. >> Oh, this is Capital One. Platinum card. Platinum. >> Is that me? I think that's me. >> Well, it's maxed out at 300.

>> Does it have a name? >> No. Is it Trish or Car's? >> Does it have any spending on it? >> $44.70. >> I think it might be mine. >> 15 months to pay this off. We're going. to Raisin Canes, Starbucks, Gordo's mini. tacos. >> But the tacos though, Do you got Okay. Do we want to have a kid or not? Cuz so. far in at least this side, no. We don't. really care. 22. So, we still want to. like live.

>> We still want to live young. Go crazy. I. don't necessarily think that. I don't. think that I want to go out and have fun. because I feel like a typical. 22-year-old is trying to go out every. night and have a good time with friends. and. >> every night. I don't know. >> We don't go out ever. >> I don't ever go out to a. >> Well, you see each other 2 hours a week, so I wouldn't think you would. >> Okay. But I don't even go out with. friends. >> Well, you have to be home for the dogs. We already know this. >> Yeah, but even if I had dogs, I don't. have any friends. >> Yeah, but you're still finding your way. to splurge. You're still finding your.

way to around. >> Okay. It's pushed off to something else. >> Yeah. Food. >> Food. Constantly. >> interest acrewing this year so far. This. is crazy. >> Before we came in, we were talking. about, you know, having kids and stuff. and we I thought maybe you would want to. donate. >> I mean, you're smart and I would like my. baby to be smart. So, we were just. talking about it a little bit.

>> Just an idea. [Applause]. He doesn't know how to talk to about. that one. >> No, it's just the only joke I had was. desperately inappropriate. >> Oh, >> freedom card. >> Yeah. >> By the way, I don't think I can have gay. sex. I don't. >> gay. We're We. >> Okay. I don't That's not how donating. I. mean, >> $40 a month is the minimum monthly.

payment on the Freedom card. >> Yeah. >> Who's is this? >> Mine. >> Okay. >> Uh, it's a 38347. What's going on with. this card? Anything? >> I don't know. Are there. >> no interest? Actually, it looks interest. free. >> Wait, the whole card is interest free. >> This is interest free until. a couple months from now. >> So, we need to take care of this now or. else it's gone. >> And there's no purchases on that one, right? No purchases on that one. >> Any late fees? >> No late fees. Petco, who's that?

>> I did good on one. Mine. Uh, we buy the. dog food only from Petco. >> I just went uh Oh, okay. It was. interesting $647. We're at a balance of. 201 on a credit limit of 250. So, that's. not great. What's your credit? Do you. know? >> Mine like 2 46 618 something like that. >> What? >> 618. >> Okay. 618. Gotcha. Um, yeah. interest is. recruiting this year so far. It's at. aing 36% interest rate.

>> Yeah, I didn't. I think that was one of. the ones I got on a promotion thing. >> We just buy the dog stuff from there. And. >> who's quick? >> Probably mine. >> Okay. Credit limit $500, but we have a. balance of $426.8. Transactions $56.21. So, you're. purchasing on a card that is acrewing. interest that you cannot pay off. I. thought that was only for her to do, but. you're doing that now. So, what the [ __ ]. are we doing? >> That That one was because my debit card.

got locked because they thought that. there was fraud going on and it took. them like two It was like two weeks that. they I got the notification that it was. locked and then two weeks later, >> you're not going into the gas station. and getting some bull. You definitely. did. >> That's all I did on that one. Yeah, cuz. I I get my Red Bulls and my snacks on. the way to work. >> Yeah. Red Bull snacks. Red Bull snacks. Red Bull snacks. Red Bull snacks. Red. Bull snacks. I need caffeine to survive. >> Cool. Brew coffee. I don't give a. >> It doesn't taste the same. >> No, it doesn't. But you're poor. >> Even though you guys make a lot of. money, you're poor.

>> Yeah. >> How does that feel? That's not great. >> Imagine making a really good income. above the median. for the household in this country and in. San Antonio and in Texas. But you guys. are poor. >> Yeah. Double homicide. >> It feels like [ __ ]. >> But it's what you guys are doing. What? I see something. >> Mhm. >> What? >> I also feel like we're not the only ones. that are poor that make a decent income. >> What does that matter? Who. >> I guess I'm just.

>> What? Who gives a. >> I mean, it's it's hard not to compare, you know? >> Yeah. That is just a desperate cope. A. cope to make yourself feel okay for. being pieces of money. No. Who car who. cares? >> Okay. If someone does three puffs of. meth a day and you do one, doesn't make. you good. >> Yeah, you're Mhm. >> What? >> Nothing. >> Oh, come on. >> I I. >> You know her. I feel like she's holding. back. >> Yeah, she wants to call you a dumb or. something.

>> I mean, you're just a smart. >> Yes, >> I get it. It's cool. >> Yeah, the show that you watch that you. applied for. Yeah. >> Yeah. Mhm. >> Uh-huh. She just I think she just wants. to justify her petty spending whenever. It's only a little spending here and. there. But. >> it's not though. But I understand it's. just an immediate. >> It's not a little spending here and. there, >> right? >> That's all. >> It's a big spending here and there. >> No. Are you What are you talking about? We just went through your statements. There's a ton of little spending. >> But it adds up to be a lot though.

That's what I'm trying to say. >> Okay. What's the point? >> She just wants to She just wants to. fight. That's it. That's just the. defense mechanism. I automatically just. want to tell you to shut up, stop. talking. But I wouldn't do that. I mean, I can, but I can't I wouldn't because. the point of this is to for you to on. us, but it's just irritating because, you know, on us, >> but because it's also true. >> Yeah. >> And it doesn't feel good. >> to have to recognize that for the first. time in your damn life. >> Okay, carry on. >> Maybe deal with your and you won't be.

have to be. >> Yeah, but I have I feel like I need. somebody else to bring it up to me. before I can do it myself. Of course. Okay. No late fee on this one, but interest is. acrewing like crazy again. It says. energy drinks and snacks. Come on. It's. not good for you either. >> Yeah. >> I have a kid. Yeah, but I need caffeine. I just need. it. If I didn't have caffeine, I would.

be a peace person. Guys, if we're trying. to make a little hammer, we we got to. >> Is he agreeing to. >> We got to all come together here. >> We'll all come together. But that's. >> 28.99%. interest rate. >> Please. Women Women don't come when. they're with me. >> Oh. Oh, I'm very sorry for your. girlfriend. >> At least his finances are straight. >> 28.99% interest, right?

Um, okay. So, this must be your. quicksilver then. >> I don't have one. >> You have double Quicksilver? >> Yeah. Well, the first one, uh, one of. them is a Walmart card. >> This one's also basically maxed out. >> The Walmart card got bought out by. Capital One, so it's now just a Capital. One card. >> Did you see that Discover also got. bought out by Capital One? That just. happened like 3 days ago. >> Uh, uh-uh. $7194. Minimum monthly payment $25. four years. to pay this off. No purchases, but $1762.

of interest is occurring. So, I mean, that one's basically maxed out. So, I. mean, yeah, not much in terms of. purchasing could be done, but that's at. a 30% interest rate. >> And we keep going. Care Credit. >> Yeah. >> Okay. What's going on with this bill? >> Dogs. >> Yeah. The little one had to get his year. checkup and his balls chopped off. >> Yeah. Okay. Well, $268.37.

minimum monthly payment was made. $30. for the minimum. $86 of interest is. acuring. Takes 11 months to pay off. >> But that one's on. Is that one on. deferred interest or no? >> Mm-m. >> You said interest is acrewing. >> Oh my. There's been I think I think a. late fee this year. >> for what? We just opened it. >> And then I didn't pay. >> No, I just opened it like two months. ago. >> What is the char? What was the fee? >> $30, which is typically a late fee. There's also a 33% interest rate on.

this. No, it is not interest free. >> What? >> I thought it was like a. >> So, not only were we not paying, but. it's also acrewing interest. >> Yeah, but I thought that it was like 6. months free if we paid it off within 6. months. That's not it. >> I guess not. >> Oh, okay. >> That was one of the promotional ones, too, where if you spent a certain amount. of money, it was zero interest for. however many months. >> No, it's not. But we. >> it's literally not. >> we had it for a while a while but then. we didn't use it so it closed so she had.

to get it open again. >> Okay. What am I seeing on this? I'm. seeing. >> account name best egg cross river. >> Oh that is how we pay our rent. >> Oh. Um it. >> is it a debt? >> No. I mean technically it's a loan but. we pay but it's paid every month. >> Yeah. You pay half the month. half the month. Who has collections? >> If I do. >> You're 22. What? What is in collections?

>> Because whenever I lived in my previous. apartment before I moved in with her. Um, I guess I technically broke the. lease, but I also made sure to do it. correctly. I guess the apartment complex. was a very me. >> apartment complex they had. There was. some type of leak on the upstairs. apartment. It caused mold to occur in my. bathroom. I reported it. They didn't do. it within seven days, which is like what. was. >> Did you report it to any city agency? Try to get some uh law firm, anything?

No. >> Proono? >> I just wrote a letter to the maintenance. guy or to the management. >> But you left. You just left. >> Yeah, cuz they didn't hold up their end. of the deal. >> Yeah, I agree. So, >> is there in your account? >> When was this? >> No, I don't think so. ago. >> This is so hard cuz you're going to have. to prove that it's there. This is word. now. >> Yeah. >> Okay. Well, you owe it. >> Yeah. >> I'm not paying. >> What the is this? >> I think so. We don't want to get a house. cuz it's at that point we're just. talking like that could boost your.

credit. >> That's not my number one priority. Sure, I'll pay. >> that boost your credit the quickest. >> Really? >> Yeah. Getting rid of collections. >> Okay, then maybe that needs to be a. higher priority for me. >> I just depends on what you want and what. your goals are. >> I mean, yeah, my you know our goals. Our. goals is to buy a house and have a kid, but I didn't realize that paying. collections was first priority to get my. credit. >> I'm not saying necessarily first. priority, but it can have a some of the. quickest effects. Okay. >> Depends on the entire situation because. you have so many max out credit cards. That could be one of the quicker ways. >> Yeah. >> For an immediate effect. Okay. What the.

is this? We have a balance of $21,540. >> It's my car. >> Oh, what do you have? >> A 2020 Honda HRV. >> Okay. Interest rate is 5.54%. It's not. the worst. Yeah. It's because I'm the co-signer on. the car. >> You're the co-signer? >> Uh-huh. >> Don't look at me. >> Who is it in? Whose name is it in? >> My ex-husband's. >> Really? >> Mhm. >> Okay. And how's that? >> Um, fine. Payments.

>> Are you guys on talking terms? >> No. But when we when we wrote up our. divorce, we wrote up a paper basically. saying that I was responsible for any. damages, payments, anything like that. >> Both signed it, had it notorized, and. >> Wow, that's interesting. >> That's all that's been said. That's one. of those things that we do have pretty. constant conversations about because I. would like to get it refinanced, even if. I have to be a co-signer for her, but I. want his name off of it. >> Yeah. >> How how how did you and the guy meet?

>> Uh, we went to high school together. Okay. >> Lived in a really small town. >> Okay. >> Yeah, that's a sore subject because. every once in a while he'll show up out. of the blue and start about he says it's. about the car but it really just. attacked him and then. >> I just recently blocked him like within. the last month. I kept the communication. open in case I don't know maybe I was. able to refinance it just something and. then it ended up being something that. had nothing to do with the car. So I did. end up blocking him because it wasn't.

for the car. It was the purpose of. stirring some just to be an ass. >> But I know that both of our credits are. pretty trash right now. So we won. >> Well, that's like going. >> Yeah. refinancing would be right now to. be clear. >> Yeah. >> And the interest rate on the car is. pretty low. >> Pretty low. >> What do you think it's worth? You owe. $21,540. in a monthly payment 50477. What do you. think? >> We just looked. I think it said 7 15 to. 17. >> Sounds about right. We're getting about.

18, but yeah, >> there's damage to the back of it. >> Yeah. >> Yeah, cuz some. >> So, we're underwater for sure. However, we could save ourselves maybe about. $5,000 getting yourself a $10,000 car, borrowing the difference to pay this off. as well by selling it. >> I don't want to sell my car. >> It's a car. Who cares? >> Who cares? It's like, do we want to get. there or not? >> Yeah, >> we can do a lot better. >> Mhm. >> We can get to where we want to get. I'm. guessing the Jeep is you then. >> Yeah, the Jeep is mine.

>> Okay. So, smaller balance $9,32860. Minimum monthly payment $392.52. >> Mhm. Okay. Okay. >> Yeah, it's almost paid off. I That was. my first big purchase by myself. >> Unpaid balance part though. >> Is that not the total that that I owe? H. I can't tell. Uh what's the interest.

rate on this? >> Uh high. It's like eight. >> That was my first purchase. >> Well, it's worth about what it's worth. >> Just about the same. Yes. >> She's not going to sell her car. >> I'm not saying to. Her car is at a. reasonable price for you guys'. situation. >> Okay. Sorry. Yeah. >> You're going to sell your car. >> I would like to refinance mine just so. that 8% was lower, but I know I only. have about a year left. Yeah, >> that was like my first big purchase. So, I did take the longest loan, but I have. had it for five years now. So, it's. almost we're we're getting there.

>> Okay. Student loans. Who's this under? And okay, >> I think those are mine. >> How much is the total? >> 29 me. Our payments started. >> kind of um I didn't realize that the. interest had started acuring on the. payments, so I missed a couple payments. That's why my credit score dropped so. low. So I. >> What's the minimum monthly now? >> I don't know. >> She just signed up for the income based. one. So it's it's on.

>> It's so weird cuz you guys do not have. bad income. So I don't like what the. like your your payment would honestly be. if it's 29 maybe 250 bucks. You you can. totally afford that. Why the you be on. something special? >> I think Okay. I think my. >> Why should you be? >> I don't know. >> It's dumb. It's because I can't straight. up pay the balance that's due right now. the balance. >> that's because of your debt choices. That's because of your spending choices. If it's income based, your income can. afford this. You should have to pay an.

program. >> In that case, they'll tell me that my. income based whatever is not. >> No, they won't because it's dumb. >> Okay. Well, now I'm based on a 90-day. hold and I don't make a payment until. they decide. >> Okay. I'm going to guess it's going to. be like 50 bucks cuz it's always. something like that. >> I think it was like 110 whenever she. looked. >> 110. What was the payments that you were. supposed to be making? >> No, my payments that I was supposed to. be making was $3411. >> Yeah, which you could if you weren't. spending $900 a month on going out to. eat. >> Understand?

>> Great. Glad we're subsidizing your going. out to eat. >> Mhm. >> Okay. Yeah. Yeah. Passed it. Yeah. Do you have. student loans? >> Yeah. >> Okay. What's your student loans? >> Uh. >> it's a little hard to tell who's is in. here. Oh, that's all mine. Mine are like. there's like six individual. >> I don't know if mine are in there. It's. about. >> Yeah, I think. >> 50,000. >> for what?

>> I went to school right out of high. school to be a math teacher. Um, I got my associates and dropped out. I went to culinary school in Denver for. a year and doubled my student loans in. the one year. Oh, >> and uh I actually just started going to. school last semester. >> Why? >> Cuz I want a career. I. >> psychology. I want to go to child. psychology. >> For [ __ ] sake. So, because you're in. school, you don't have to pay, right? >> Correct. [ __ ].

>> sake. Listen, it's not child psychology, but if either of you want a course. career certification, I'll give it to. you. I don't think it's actually. applicable to you guys' situation, but. either way, that's crazy. >> Yeah. >> Now, we're going back in. How much. school do you have to do? Full four. years. >> I have to get a master's. Oh, [ __ ] Kill. me now. >> All of those are your student loans. >> And you know this and you're aligned. with this and you're okay with this. >> You're okay with me going to school? Yeah. Those are That's just my credit. >> It's going to take away time from work. eventually. >> Credit report. Yeah. >> Especially once master starts. >> Yeah. But I.

>> like income will be on you again as a. bread winner. >> That's fine. I'll have my certification. >> But you have to pay off the debt. That's. why we're trying to get there and I'll. get a better job. You did that. You paid. off the debt. I said I get that and. within the next year I'll have a. certification in the actual job that I'm. doing and I can get a better paying job. I just passed the test triple. >> Is that true? >> Mhm. >> What What will the job be? >> A travel contract for ultrasound. >> Okay. >> Good. I love that. We'll use that and.

we'll feel that towards the. >> Okay. Can I ask you a question though? Um as far as travel contracts go, do you. know anything about the taxes behind. that? Because I. >> Are you a contractor or W2? That would. be a contractor. It would be. >> set like 25% aside for taxes. >> Okay, that's all. I didn't I didn't know. how that worked. >> If you're a contractor, that looks like. all the debt. Is that all the debt? Looks like all the debt. >> No, that's all. >> I think that's it. I I actually do have. something in collections, but it isn't. on my credit report. >> How long has it been?

>> Uh, I just got a like a packet, >> so it might hit soon. Was it for and how. how much? >> It was for the previous engagement ring, but I'm trying to dispute it because the. ring I did take the ring back to them. They have the ring, >> but they still try to send me. It was. like $1,500. >> Okay, I won't I won't write it down. We'll see if that happens, but Okay. Checking account. 69 bucks in here. It's. not good.

>> Okay. >> I don't know what account that is. We. all have the same B FCU. >> We all have that. >> We We both have one individual and we. have the driver. >> Uh it's the one we're quizlet. >> Oh, that's mine. >> So 69. >> Mhm. >> Okay. Good, good, good. Going in getting. some Starbucks affirm. We're affirming. that Sonic getting some [ __ ] Press. Coffee. Apple bill. Going in getting. some [ __ ] Press Coffee. Going in. against BS. Apple bill. Spotify. Academy.

Sports. Jimmy John. Starbucks. I how is. this helping us get to the the you know. healthiness for baby? This is all bad. for you even for eating once a day. Make. it healthy, right? Disney Plus Apple. Bill going in and getting some BS. Going. and getting some BS. Going in and. getting some BS. Going and getting some. BS. Going and getting some BS. Going in. and getting some BS. And going in and. getting some BS. What are your thoughts. on that? >> I'm just or sorry, she's just as guilty. as I am. >> So, you're okay with it? No, I'm just.

saying that it's not just me that's the. spender in the relationship. Would I say. anymore? Yes. But I'm not the only one. >> In my mind, if I have it in my joint in. my checking account and there's still. money in my checking account after I pay. for it, then I can afford it. >> Savings $21 overdraft protection. in this account at 309. That's. >> and that's so we can get Netflix and. courtesy pay fee in Amazon Big Country.

Whole Navy and Target Raising Canes. Chick-fil-A going to get into BS Chicken. Starbucks Tik Tok Shop. Amazon Academy Sports. Lavvernas. Oh, please. >> Liveria. It's a town. >> Okay. Well, that one's not as easy as. charades. >> Mason Donuts, Starbucks, Raising Canes, Dutch Bros, Dairy Queen, McDonald's,

Taco Cabana, going to get into [ __ ]. Going to get into bull. Going to get. into [ __ ] Gordo, any tacos, Ka. Garcia, Spotify. Oh my, this is endless, dude. >> I know. >> We obviously just don't care in our. actions. In our actions. I'm just. circling in our actions. >> I'm just circling back to Starbucks. I have a way to pack a lunch. >> Except we literally disproved that. earlier. >> Yeah, but the ice the coolers doesn't. always make. >> get a better one. >> Okay.

>> Or just get a cooler. >> Yeah. >> You. >> travel in a van with five other ladies. >> Well, congratulations. They'll be okay. with you. >> Not enough room. >> Put it on your lap. You have a lap. Do. you have a lap? Does she have a lap? >> Yeah. >> Put it on your lap. >> Okay. >> Going in some BS. Gordo's Mini Tacos, Nora Snacks, Academy Sports, Starbucks, Amazon. Okay, you've had three overdraft fees. this year so far. You. >> I know. >> it's ridiculous. Taco Gabbana, Dairy. Queen, going and getting some BS. Pop.

Shelf, Pop Shelf, Starbucks, go and get. some BS. McDonald's, go in and get some. BS. We're never going to get there if. she's still like this. >> Yours was not good, but you, I can tell, are going in a direction. She is so. beyond [ __ ] financially. >> in just her actions where it's like I. don't know if how we're going to get to. the same goals together. >> I don't know. >> Okay. >> Yeah. That's like one of those hard. conversations that we need to have about. getting our heads out of our asses and. actually doing something productive. >> And in this checking account went in got.

some BS and then in Acorns we have 10. bucks. Woo. >> Yeah. I just heard of that cuz you said. that we need retirement. I mean, I knew. we needed good and hey, you didn't even. talk about how much was in this account. >> It's $1,000. >> Hey, it's $1,000. >> You're spending on it. >> Well, yeah. >> This is why I don't think the money is. going to be there for very long. >> Rent comes out of this checking account. >> I don't think the money's going to be. there for very long. >> Okay. >> He went in and got some in there as. well. >> Yeah. >> Total income for the house, 7,100.

>> Hey, this is not [ __ ] I'm sorry, but that's that Petco is dog food and HB. is groceries. >> Did I hide? Did I say those things? >> No, but you said bull. There's no other. bull. >> I said going inside and get some when. you stop at the gas station and went. inside and spent a few bucks. >> So you. >> Mhm. >> Your debt minimum monthly payments is. $1,739. Not good. Rent. >> 1650. >> Utilities including internet.

Um, >> well, internet's phone bill. >> Internet's 40. What about utilities? Gas, electric, whatever. >> Oh, all of it. Electricity is about 130. And trash? Oh, we don't have gas. Trash. is uh. 104 every 3 months. >> Yeah. >> Oh, and what was electricity again? >> 130 on the highest end. >> Cool. So, I'm going to say 164.67.

Six. Seven. Phone bill. >> Mine's 120. >> What's your phone bill? >> Do I not include the Wi-Fi? >> No. Say everything together. >> Okay. The Wi-Fi and my phone are $145 a. month. >> So, I'm crossing out the Wi-Fi from. before. Okay. >> 265. Gas, room, room, drive, drive. >> About $250 for both of us a month. Car insuranceances,

>> $340 for both of us. >> Okay. $600 for groceries. TP fund, $250 for $200 for anything else. you guys need in your life. For example, your bloat, medical healthcare, anything that is. required. >> Um, I had that since I was in school and. I couldn't afford health insurance. I. did like the free health insurance or. whatever that you sign up for. So that. >> co-pays and stuff like what what.

>> about how much you spend? >> We don't No, we don't have health. insurance. >> No prescriptions. >> You don't have health insurance. >> That's where I was trying to get at. >> What the [ __ ] is wrong with you guys? Get health insurance. >> I had health insurance. >> Let's get health insurance. >> It's [ __ ] expensive. >> Yes, >> it's I can do it through my job, but I. have to wait through for the enrollment. to open. >> Let's get health insurance. We'll just. get you bottom of the tier. Just 500. bucks. >> a month. bottom. >> Oh, >> like the worst you can get, but it's. going to prevent you from going. bankrupt. >> Okay.

>> Pet insurance. How much? >> None. >> What are you guys doing? >> Well, my are you guys doing? >> My dogs are old. They're both 10, so I. can't. >> So, not that. What about those? Yours. >> ages and health? >> Oh, four. Four and so two. four-year-olds. >> Yeah, two four-year-olds and. >> the new puppy. >> Mhm. Get them on pet. 105 pet. Get them on. pet insurance now. >> That's not bad. >> Well, it's going to be like 105 to 120. Let's just do 120. Yeah.

>> Okay. >> Okay. Gym. >> 39. >> Dog food. >> About $70 every week. >> 70 a week. >> Yep. >> 280. Anything else that needs to be in your. budget that I have not taken in account? I don't think so. No. >> Hey guys, we have room. You need. $6,147.96. to survive on a monthly basis.

$7,000. Okay, so you have $9524. left. Sorry. So stupid. There's no reason to be in this. It's. just your irresponsible spending. We saw. where the categories went. Then you. overspent on your money. Why'd you [ __ ]. with my pile? >> We didn't. If. >> we minus the student loans, our debt is $51,95921. Now, you are going to get that pay.

raise, which I'm excited about. But even if you didn't, you can still do. this and it would actually take quite a. while. It would take about four and a. half years. Call it 5 and 1/2 years when. you know fully funded emergency fund and. everything. But you're probably going to. do this in like two and a half to three. years. Just d buckle down. Just buckle. down. This is just a budget situation. This is not a crazy like do this, do. this, do this. If you guys budget, your. pay goes up. >> If we stick to our means and we just. track it, use the budgeting app. Do. whatever you got to do. Have the. conversation you need to have. Go.

through our educational programs. Go through that. Stay disciplined. You. guys are out of debt and you have a. fully funed emergency fund. It's pretty simple. It's just time. >> Yeah. What you have to do is this simple. and communicate, sit down and talk about. on a monthly basis. >> Okay. >> Okay. guys, join us in the post show. Join. Hammer link in the description below. I'm about to give them their Hammer. financial score, but join that the best. YouTube membership on the platform and.

we will have a nice juicy post show. There's always something that I don't. know about, something we didn't get to. talk about. I don't know. But spending. in a budget, you guys are 0 out of 10. because you spend more than you make. Debt collections 0 out of 10. Emergency. fund is $1,000 1 out of 10. Retirement. 0 out of 10. Real estate 0 out of 10. Okay. Well, financial score rounded up.5. out of 10. I'll see you guys in the post. show. Make sure you download the. budgeting app. Sign up for the annual.

version. I'll send you the cookbook and. notebook signed by me that can't be. purchased anywhere else and I'll mail it. directly to you. See you in the post. show. Bye. What is the tax situation? I. don't know at all what happened because. that caused a big strain in our. relationship for a good 3 months. >> Why the do you possibly owe taxes? Who. owes taxes? >> Both of us. >> What do you owe. >> about? >> What the [ __ ] are we doing? You're both. equally as exclusive members content. Click the link in the description or pin. comment below and watch thousands of.

hours of extra and uncensored content.