This One Will Make You Outraged | Financial Audit

it's weird mixing business and family I. do set boundaries no but family is hard. family gets. emotional part of the reason they moved. out is because they were getting in. fights about who's working more how many. hours they're getting blah blah blah. great no I blame my sister personally. what those those are two. completely different. things hi my name is Amelia I'm 26 hi. I'm Spencer I'm 27 we are from Brand.

Minnesota and this is financial. audit oh Minnesota yes I love it fil mid. westerners thanks for coming down what. do we do for a living up there let's. start with you Amelia I am a. stay-at-home mom oh that yeah okay not a. lot of income comes in from that but. there are definitely important duties so. okay I'm assuming then we're married yep. yes we have one kid age uh she's about. to be six okay very cool so six-year-old.

so she's in elementary school I. homeschool her actually. oh okay so how much are you bringing in. bread winner depends on how many days I. work a week could be between 8 to 1,000. a week 800 to a th000 a week okay what. what's the job um I own a business I do. third party. delivery okay like Amazon third party. like Last Mile stuff or no kind. appliance delivery I was doing some.

Amazon delivery for a while and you own. the business so you can't contract out. to the companies yeah I can oh wonderful. okay and are are these pretty consistent. clients so I work so the third party. company I third party through they give. me everything every day and then they. set up my routes everything else like. that I have my guys work out and then we. go from there you have guys yeah how. many employees do you have. uh five including. me six including me there's an extra gun.

but Max Max Max Max you make $52,000 a. year uh that's without the business. aspect of it yes that's what he pays. himself yes what's without the business. well yes afterwards yeah so are there. too many miles for you to run like why. do we have these if you're only bringing. in 52 which there's nothing wrong with. 52 but a 52 is what you're walking away. with are you working as hard as you can. before I'm getting Vibes of over.

here he has not been working very many. days lately so this is the Slowdown. month and we just started picking back. up again so my main option is giving my. guys about the same amount of days as. I'm working too so they don't quit I. think he's the boss he should work the. most amount of days it's his company if. he needs the money well okay I mean I. get it to a certain extent if this you. know business started going downhill. like everyone would get paid before me.

in the end when times are good you give. more when times are bad they get I think. that he should work the days that he. needs which means they would be getting. nothing though and they might so I kind. I do kind of get it to a certain extent. but also at the same time how frequent. is this cuz do we need this many people. um so I have two trucks two guys a truck. so then I have you own the trucks no I'm. renting them I plan on owning my own so. then we can actually make more money. through it you're blushing yeah this is. just my natural red cheeks oh he's.

always red yeah oh okay okay thought you. were nervous and you were going to flirt. with me or something okay depends okay. so uh sorry go on so I some people only. want to work three four days a week some. people want to work to six days a week. so it's just for me to. alter do you need them all kind of well. if somebody needs a day off then he's. going. to five including me but then some one. extra guy yeah one extra guy so that's.

if the other people need days off I have. a cover so then my trucks can. still I'm working every day that I can. what's your work I the same thing they. do I'm out there doing the same work. interesting okay how much you paying. them same amount I get paid does that. make. sense well he's doing the same work so I. yeah but you started the business at the. same time well he I mean it's okay if. you do I'm just trying to figure out the. he does use money out of the company um.

if we like need groceries or something. he'll pull it out of the company that's. the thing is you guys have debt to pay. so I'm just trying to prioritize so I. was doing this a little bit before I. started doing my own business type thing. before that I was getting way less days. wasn't making any money so then I. started the business aspect of it so. artwork is basically what to set pay. amount I give them and I feel like it's. unfair if I pay myself more um unfair I. mean that's a interesting question well.

you did start the business did you you. took on Risk by you know getting the. vehicle so I mean there are different. aspects of it but I'm not against equal. either I mean you do whatever you want. it's your business you like literally. it's up to you and the the market will. decide the workers whether or not they. stay or leave and yeah him using like. any extra money if we need it he pulls. it out of his business account I do I. don't like to cuz I like to have it. separately from what we I'm just. concerned about the debt okay so where. are we today what is what is going on. here because we do have debt.

sounds like a consistently inconsistent. income cuz it was 800 to 1,000 a week so. I mean it can fluctuate pretty far and. so that's why like pretty far that's. only $200 am I getting the full picture. then well he can go anywhere like this. week he worked three days which is $600. but then he can work other weeks where. it's six days and that's $1,200 yep and. so it's hard to put an average on a. number like that how much did you make. last. year uh with the business part.

60 that was just 6 months okay so with. so that's more without the business part. of the income added in me myself I only. make the around the 52 but with the. business it's around 120 oh oh I see. after all expenses after all expens. without any expensive it's around half a. million but with all the expenses of. anything how much is hitting your. account on a monthly basis on average. hitting your checking account pulled. from the business distributions and pay. on average what is your business setup.

is this escorp I'm $199 and then my. employ my through your business yeah but. what's your business setup as LLC then. you contract yourself yeah so I'm. contracted through the company I work. for and then my guys that work for me. are also $10.99 but so there that means. everything you're taking from your. company though if you're. Distributing are probably distributions. and not.

I don't know is it going through we'll. figure it out we'll figure it out I I. have an accountant and they help me. figure everything else out I pay the. trucks say I would say on average most. weeks he brings home $1,000 yeah out of. his payche just paycheck just paycheck. ,000 paycheck what I pay myself I. don't yeah which is probably just. distributions in the company but it is. you're also $10.99 from the so like. during tax season that would be like. like his paycheck is $1,000 a week on.

average no I I understand that I. understand that I file my taxes with the. business how much came in last month. huh. uh into our. checking which one yes including. transfers from the business checking. into personal so this all goes into. personal, 500 maybe like four or five so. you're double her why why are we not. together in any way whatsoever do we. budget together are you informed of your. finances in any way you didn't work that.

much last month are you guys together in. the finances do we know the finances are. we do we discuss finances are we a. partnership in the finances we are a. partnership in the finances um but some. of it. is I am a um person that is if I don't. know what our finances are I'm not. stressed about it and so he runs the. finances and tells me what I can and. can't. buy if that make like if I want to go. get something I can ask him hey can I go.

buy this and he'll say I don't have the. money for that or I do I let her know. like we can't afford that we can't. afford that what do you define as a for. do you guys have debt we do have debt. yeah do you guys know how much thatt you. have both of you together yes both of us. together I would assume that with the. cars it would be like yeah what's your. total debt what's your total debt be. like 55,000 with the cars yeah around. there with the cars okay. 61 so we don't know our total debt yeah. one.

wonderful okay and what came in 2500 we. had transferred from business checking. 3,664 okay we setting money aside for. taxes properly no because we have a. previous year tax bill of $8,000 that we. haven't touched yes so the beginning of. this year really slow down so everything. I did have saved up for it kind of went. back into the business aspect I know we. we can't hear man I would love to just. follow your business for a couple weeks.

I just really wonder if we're using. everyone effectively because when we. have these slow down periods it just. it's boning you well it's very hard when. you have a truck off and so he because. he rents his trucks what is that like. 3,000 a week uh 860 a week per truck so. around 1,700 a week so if one truck. doesn't go out he's still paying on it. yeah it's a set why haven't we invested. into purchasing or getting a loan on a. truck I need apparently I need 20% down.

for a commercial vehicle okay why I. haven't you don't not make money I know. right why haven't we we that wasn't. answer I'm going to be really honest. when we have a lump sum of money it. doesn't last long why uh a lot of it's. me I'll be honest I I'm a spender I. thought you said you only spent what he. says you're allowed to spend and he says. I'm allowed to spend why are you saying. she's allowed to spend it if she's not. allowed to spend it because we don't. have any money to spend I feel bad most.

of the time because she's at home. constantly she doesn't really don't be. she doesn't have to. be send the little to school I mean well. okay so that's and and then leave the. house and roll around in the snow I. cannot send her to school go on I have. something it's called a metaphoria and I. have. OCD from that so I'm going to need a. little explanation on something I've. never heard of a metaphoria I'm my. number one fear ever is.

puke I can't do anything and so like. good so if she's not there you won't see. her puke but if I send her the to school. she's going to get sick and that's like. I have okay so I have OCD and so like. even if it doesn't happen wa my brain. says it's going okay I understand oh. hold on hold on okay sorry I vaccine. parenting I'm sure it's obnoxious well. at least let me say this um you can I. understand homeschooling for whatever. reason reasons in terms of this is what.

you want them to learn and focus on. believe all that stuff you know whatever. okay that's that's how our culture. works but to take them away from social. interactions in general out of the fear. that they might get sick does that seem. fair because she's not going to school. but is she still getting social. interactions yes okay then she can go to. school then because it's going to be the. same. thing H okay I don't want her to show up. to college and never. met a human I want to give you free.

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not saying this would be great not. saying this would be great but you know. just to give them a little more yeah I. do what if they get sick just go to a. hotel for a weekend and Dad will be sick. he can't he can't take work off so this. that's part of the problem kind of I. mean you have so many people he cannot. if if his route gets dropped it's like. an $800 fee but other people can cover. that route yeah I don't like not having. to work unless I absolutely listen I'm. just trying to find a Sol U everything.

no no no I've talked to him about it. before because I I have very bad panic. attacks I mean even I too I get it my. mom has offered like if she were to get. sick like she'll go pick her up so go do. that but I'm afraid that she's not going. to be available and then she's going to. be like well you're going to have to go. get her be a mom I mean no offense I. mean I'm just going to say this just my. panic disorder holds me back that sucks. for me but if my panic disorder held. back a loved one and living their life.

that's not acceptable I don't get that. choice in control I don't think you. should either no I yeah I've thought. about this a lot I don't think it's time. for any more thinking I think it's time. to bye-bye kid go leave the. house it's is this is kind of just you. just is a step that needs to be taken. and also the longer you put this off the. same with me getting on a plane the. longer you put it off the harder it's. going to be you're never even going to. allow them to leave the house in middle. school if we're continuing if we're if. we're this far yeah dog deep at six.

right now I don't leave the house in the. winter I try not to at any any point if. I need to leave the house it's going to. be a panic attack and the kid she she. has shown like symptoms of being afraid. of germs well probably because of you. yeah it it does break my heart that's. this I don't think we can allow this. yeah what what do you think about this. I'm sorry that we haven't gotten into. finances but this this is my mom thinks. it's ridiculous or not like she's not.

mean about it I understand panic. disorder and I understand your yeah. things have I'm holding her back you are. holding her back it's not a feel right. you're already getting her into a phobia. that's what I'm afraid of yes I'm afraid. that she's going to have my phobia and. it's so hard to live with like I do not. want her to have that you're saying that. but you are causing it so just stop when. you get home I'm sorry I no I know I.

know and I've I've heard it before and. it sucks but yeah what do you think. about this dude I try to help her not be. that much panicky well I I well that's. not going to happen it's really not I. know it's more she needs to work on. coping mechanisms and go through therapy. aggressively essentially but even still. regardless of your feelings you can't. just hold someone back that's what I. want your opinion on your kid's not. leaving the house and they're developing.

a phobia at 6 because of this what do. you think dude well it's smart for her. to wash her hands and stuff after going. to the bathroom and I who the said it. wasn't what are you talking about and. what I think there's a difference. between leaving the house and washing. hands well we do leave the house I leave. the house doesn't mean I wipe my ass. with my hand and rub it places right no. she the the things that I'm seeing are. like she would you know she has to wash. her hands she has to do this um which.

like isn't bad at the moment but in a. six-year-old right it can become. compulsive and that's what I've heard. also yes and so like I have talked to. him about the solution what the are we. doing guys this is. insane right I would I have always we. even going to talk about this this isn't. even on the list is. it probably. not yeah well I knew that it was. probably going to come once it was send.

her I I knew somebody was going to say. send her to school you know what I mean. like because my mom again I'm okay with. homeschool it's not necessarily yeah she. is she is pretty far ahead but I'm. worried about her social ability yes. okay you said she goes out and does. stuff what is that um she has gymnastics. we have oh she's going to get sick. during that as well she wears a mask you. make her I make her wear a mask. yes oh please please please please we a. mask if we're like in the cities in the.

cities yeah like no matter what time of. the year it is like she's wearing a mask. if we're in a large crowd of people if. she was immune. compromised I. would understand if it was the middle of. a pandemic I would understand right but. it's not anymore you just like I don't. want to see her throw up so I'm going to. force her to hold on this isn't no she. will literally start to be like judged. by other people and isol ated well I I.

feel so bad she's not here is she no I. feel so bad for her wait how did you get. here on a plane was this a big step for. you yeah uh yeah we wore mask it's not. winter it sounds crazy we wore masks and. I wipe down our plane seats but what. about this um I'm fine like like this um. but it's like the large groups of people. that I'm afraid of like planes are. really scared like I get really scared. on planes especially because of the. feeling people throw up I had headphones.

in if I don't hear it it's not happening. I'm just what the this isn't this is not. fair to her you can't do this you cannot. push your issues under her no and like. there's I don't think there's anything. wrong with like being cautious of you. know like touching your mouth and face. in public and stuff but I know that I. take it a step further us step during Co. was a lot. worse pic I so she was actually in. daycare I was working I was a single mom.

um oh and she is it not biologically. yours I adopted our daughter married he. adopted our that's wonderful that's. beautiful okay um so I mean I had the. fear then but I didn't think about it. all the time until it happened while she. was in daycare like she got sick while. she was in daycare and then I was fine. after but then Co hit and I had to stop. working cuz daycare wasn't open and I. never went back because we met we got.

married and now I'm a state- home mom. and so I know that I'm digging a whole. deeper in my OCD by you're making it. worse cuz you're just not confronting it. anyway right and and I've done the same. for mine but again I'm not forcing. anyone else to do anything because of it. right you can't do this you can't do. this I don't know what's uh what's the. solution guys cuz we we need to move on. to from this and go to the finances but. what is the solution cuz I feel so bad. for and this is not it either be able to.

have him on call to leave work or I. would be able to ask my mom to like if. she ever does get sick to come get her. to pick her up from school if you don't. allow your kid to go outside without. being completely separated by everyone. with a again I again if something's like. raging across the world I get you know. that's not bad it's just the you're. separating her from everyone essentially. right you're making it hard for them to. read her face and just have those human. interactions and you're not allowing her.

to go to school again if there was a. different reason okay but like I will. personally come up there and vomit on. your face if you do not like allow her. to just leave the house we do like okay. okay there is one more thing that I want. to bring up part of the reason she is. homeschooled and it is not the only. reason is my OCD she's online. homeschooled she's online homeschooled. um I'm just talking social interactions. yes but she is very far ahead she can. read books book she yeah maybe she'll. skip a grade like that's great right I.

just want she she cannot enter the. workforce she cannot enter College her. up like me if she goes outside and it's. 25 and we've cured every illness in the. world or something but yet she is just. like like wearing a hazmat suit. everywhere we go to the grocery store or. we bring her to the movies or bowling we. don't put the mask on and why. gymnastics because it's full of kids you. should see the kids that we see no. they're just kids are gr kids are GR in.

general right now legitimately guys I. believe that you everyone in your life. everyone around us can actually take. control their financial future and make. their lives better and we've spent over. a year here creating tools to help make. those goals a reality right now our. budgeting program and investing program. are bundled together at a 15% discount. and you get $100 in cash gifted to you. right into your Mumu account there's. honestly no time like the present to. actually take control of your future. don't wait don't let this opportunity. pass you but also you let him have an.

immune system at the same time that. right no I know okay I'm going to move. on but you need to work on that please. ASAP because that is unfair to her and. her development we've talked about doing. the therapy wise but with insance you. haven't done therapy I don't have. insurance that's what I was about to ins. too much to get help and we don't make. enough to pay for it every month yes you. probably do how much do you think you. spent a lot uh oh um last month probably.

4,000 at least yeah somewhere around. there probably $. 6,462 is that with no it's not no we. didn't calculate business expenses into. here does that checking account the. credit cards yeah it's spending is it. not spending oh okay so the one card. that one is I use it for business only. right Jake it wasn't Costco card right. this isn't nope Costco card wasn't. included your bad card your little bad. card was included we did not include. that no I'm going to call you out on on.

this Costco you don't only use it for. work there's occasions that we use it we. separated work dude this is literally. personal spending was. $646 I don't know on what well I can. tell you on not first of all don't have. any money left over we could at least. get a lowcost basic health insurance for. how much you go out to eat we didn't go. out that often last month it adds up. well he basically spent 250 bucks could. have been worse could have been worse. doesn't matter you don't have health. insurance so I don't want to he that and. you have a kid I don't want you to like.

not be able to go through you can't get. therapy and your she has health. insurance don't worry no you don't and. you are the parent right. miscellaneous could be video games could. be whatever just stuff that doesn't. matter. $324 add that together we could have got. another lowc cost. plan Okie does so I don't know what the. you guys are talking about your phone. bill that definitely does not need to be. the price of the price that it is so I.

have jum out of their seat for this one. okay how much do they pay okay they pay. my dad pays 100 my brother pays 100 my. mom pays for her iPad we pay about your. dad pays for a line yeah we pay about. $200 a month I'm going to say 3 2 one. and then on go 3 two 1 go I want you. guys to both at the same time give me. your household Financial score zero. being the worst possible 10 being the. best possible 3 2 1. okay so we're separate by a lot why do.

you think it's middle of the road solid. um because we pay our bills you don't. have health. insurance our bills are paid that need. to be paid I know that we don't have you. sp $2,000 more than you brought. in before setting inside money for taxes. you see most of that is the extra money. from my family members that have stuff. with me what some of it so some of it. that you. see not all that some of it that you see. coming in yeah we like people paying us.

to pay their. bills um but and you still spent 2,000. more than came in I'm I'm. confused also okay yeah why are you guys. so disconnected why do you not why do. you think she thinks it's middle of the. road and you think it's so bad well I. know I do agree with her on that our. bills are paid but the extra money we do. always get we just spend well also I I. don't know our full financial situation. why um ignorance is bliss. why don't you tell her I do I know on.

occasion I do write up like all of our. debt and bills that we have and then I. add it up so then we get we did have a. budget. before did stick to it for a little. while and it kind of went downhill yeah. we've done a Zer budget but now that his. company is so switchy it's hard to do a. z budget because we might have an extra. 200 here or 200 less. here I need you guys to go through our. budgeting educational plan together go.

through it take the quizzes do. everything do the investing one as well. eventually you guys will be ready for. that and it'll be helpful yeah I try to. do that can't figure that out the class. the investing just in general oh well go. through the investing class plus you. guys get $100 anyway for free okay. because of it so do people who get. signed up by the way so Link in the. description below but and if you want. your hmer financial score it's there. Link in the description below and you. can come on the show at Caleb hammer.com. apply come visit us in Austin Texas. let's jump in these finances it's been a. lot of talk but it's time to get.

real. Target yeah I blame my why is so high. sister portion for that one sister. you're a credit card your sister what. the you talking about you she brought me. to Target over and over again um it's. it's my own doing yeah huh it's my own. doing what does this mean what do you. mean she brought you to Target over and. over again she kept asking me to go to. Target and I had a Target Target credit. card and I I didn't have any willpower.

and I just bought what I saw so what. you're just walking through the aisles. of Target yes we haven't used it since. that debacle happened the debacle wait. what's the debacle I racked that up in a. month yeah I applied for the credit card. I did you go all the way to the Limit. 2,000 yeah when uh a year and a half ago. and it still taking so long to pay off. we minimum payment what are we doing why. are we only doing the minimum the. payment it's going to take more years to. pay off I keep forgetting that card.

exists half the time well I don't think. we're allowed to forget that the card. exists half the time not anymore not. ever I don't know what do you mean you. have a kid probably want to send him to. college want to help him with that I. think part of that issue is that it's. always due on the second and we have. rent autopay I don't give a don't. autopay weim yeah we always. for $10.85 of interest is. acre that explains why it's not really. getting paid off no yeah more years to. pay.

off do you want to are you going to get. a job again are you able to like if we. get them to school are you able to go. and interact with people uh yeah for the. most part um I would it's definitely. like a learning curve I did get a job. 10% interest rate on this card for a. credit card that's still horrible but. for a credit card it's surprisingly low. I have had a job um and then I ended in. a panic attack when they had me clean. the bathrooms and I quit so okay so that. was like a detail type job yeah it was a. gas station um but bath because there.

might be vom uh just germs in general so. like my OCD stemmed from aaph but it's. really contamination OCD I hope you. didn't touch Clara she's infected with. cooties but before that saned did have a. job for a few months yeah I did I worked. at Costco one time you guys love. Costco we'll go there um okay it's not. it's not perfect but maybe we could help.

okay maybe there's like a work from home. call center type job so customer service. I think course careers has a. certification customer service I think. you go through their like quiz that. helps you find the right certification. for you go through that pick one and we. can gift it to you for free that can. boost your resume maybe you can work. from home once your kids gone but I also. don't want to fully enable you not. leaving the house no like I am fine with. leaving the house myself I don't touch. my face you got to take a massive sh in. the middle of public I do it good job.

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financial life in order go check it out. I the bathroom's like as long as I wash. my hands I'm okay like I'm definitely. better than I was ago no even though my. hand well I feel like it's like on me on. my arms and on my shirt okay but you're. okay. wiping it's my own ah clean. poop Menards I missed the the Menards we. don't got them down.

here we have a Menard's Capital One card. mhm I've never seen a Minard's card but. I guess it makes sense every store has a. card so what are we doing what are we. building we building like sheds like. what what do we have huge Menard's card. beginning of this year when I was doing. Amazon I needed a pallet jack kind of. put it on that one which is half put it. on I did put it on that one which was. about half what that balance is okay and. the other half uh I'm going to probably.

random stuff fun fact takes another. seven years to pay. off $39 minim payment $184 of Interest. AC cre on a monthly basis before this I. did have my own Capital One just a. normal Capital One we paid that one off. we were doing the when rainfall three. months ago the rainfall whatever the. whatever it's called the snowball yes. thank you no I like the rainfall Okay so. yep that's when we're were going to. start putting it towards those cards but.

when when did you pay that three months. ago then what what happened why haven't. we started to. accelerate that was when I started. working one day less and. then we stopped the budgeting we had a. budget and we just we moved and then it. never went back up no it was so my. brother lives with us currently before. that that one yes before that I had my. brother-in-law and sister living with us.

and they moved out so for that 2 months. we were paying everything on our own so. that's kind of what happened with that. everything just went downhill we yeah we. didn't make enough to pay our bills when. we lived alone extra amount of our bills. we paid the bills so your brother's your. roommate then yes yes okay he helps how. much of the bills does he help pay he. pays 600 for rent and that's what the. utilities he pays he's buying the car. from me soon he pays for car he pays for.

the car itself and the insurance itself. on it okay we can unmute his mic for a. second uh what do you do for a living I. work for my brother as well are you guys. just like twins what is happening you. guys are just like on each other my. brother-in-law that was living with us. at the time too also works for me what. yes why is this weird. mixing uh business. and F family I also have one of my.

friends worked for me too but they all. know friends is a little better if you. separate boundaries but family I do set. boundaries like yeah but family is hard. family gets. emotional not it can you haven't had. something happen I haven't had it yet. what has happened uh part of the reason. they moved out is because they were. spending too much time together him and. his uh brother-in-law they were spending. way too much time together getting in. goon oh they were getting in fights. about who's working more how many hours.

they're getting blah blah blah great no. it was mostly our kid running upstairs. all the. time what those those were two. completely different things I think I. think that was an excuse for them they. were talking about how loud it was. upstairs all the. time but I think it was because because. right after that he quit and you hired. him back he didn't quit he was looking. for a better job apparently but then he. acted his two weeks that he gave me and.

you said this his brother-in-law so it's. your brother no no his sister fiance yes. okay. okay yeah. sure okay this family is intertwined. it's weird it's complicated very. okay and this interest rates a 30% the. last one was at 10 this one's at. 30 a lot of I didn't know that I'm gonna. be honest I didn't know that and how.

loud was the house Mr. Ryan I'm sorry what did you live there. too he does oh yeah how loud is it uh I. don't really notice it that much to be. honest it's every now may it excuse I. mean kids are loud they're stinky. they're nasty but I get it I kind of. just like ignore. it yeah well I I think because he quit. like literally he was put in his twoe. notice like a week after he moved out no. it was like a coule think he was afraid. to I think he was afraid to live there.

and quit no. so okay I'm going to I can't explain it. on yeah the real reasoning. behind guys you have deferred interest. of a promotional balance that expires in. 3 weeks what is that wait what is that. you had a 0% interest thing that you. took off a purchase of $500 was probably. your like a little tool and guess what. the Deferred interest 61 bucks is about.

to hit it's about to slam this card it's. about to go up. $61 of built up interest that it would. you wouldn't have to pay if you paid it. off in time if you paid it off in 3. weeks you would not have to pay that. extra but because you're not that. deferred interest plus one that's going. to crew over the next three weeks that. is going to hit we're probably going to. have to work on that one right. away I didn't know that was a thing. either. guys all right all right what do we got.

uh those are the cars or those are the. cars yes I spoke in your your tongue. you're native Minnesota acent um okay. what am I reading 177,000 vehicle 22,000. vehicle 22 these are not the rentals. these are the ones you own these are. yeah these are our cars so you have two. cars and then you rent two trucks we. have three cars his is completely paid. off I bought what is it how much is it. worth it's a 2002 Pontiac it just gets.

me back and forth to work probably not. worth not worth nothing yeah he bought. why do you guys have two more cars with. that well one more okay so my car is the. CRV and then his brother pays us for the. charger specifically told him many times. don't he insisted on getting it buying. it from me it's not what were we going. to do if he did it I was just going to. keep paying on it. but why why not sell it I don't why.

would you have an extra car that no one. used we sold it to his brother I was. using it is it sold officially no he. pays us for it why are you taking it um. I really need a car to get back and. forth work as well which one is it is it. the 22 or 17 17 can you afford 17 uh yes. I can he pays it okay why were you guys. going to hold on to it if he was it's. not we can't sell it it's a it's a um. salvage title nobody wanted it. it especially they were like offering us. like six grand and stuff for it that's.

it why do you want it um specifically. this car it's a charger um I'm 18 really. wanted a new car he wanted to be oh man. you're going to get so many. women yeah I kind of made a mistake. getting it at the same time though but. really needed a car yeah I told him my. mom okay well I guess let's break these. down when are you s it when are you. sound it when is this done when is this. little exercise of Brotherly Love done I.

want it in his name within two months I. told him to save some money for the down. payment technically for the loan to go. into his name so he's going to take out. a separ loan you're you going to take. out a separate loan uh I'm going to. basically refinance the loan in my name. yeah okay how much do you have to put. down uh I'm going to try to do at least. 1,500 maybe a th000 what's your credit. score uh it's around. 700 he have you got approved. pre-approved uh he hasn't done it yet. telling him to do it because I have no.

idea yet we're still working on how to. do it I already know how to do I told. you you click a link or talk to a dude. you called the bank first uh we went. through Royal Credit Union I did get. approv for that but they add an extra. three grand on the loan for no reason so. we said no to that the dealership that I. got the car from is very scammy and. that's why we were getting rid of the. car. beforehand what was the extra 3,000. idea no so like 4 months after I got the.

car two and half years ago the drive. shaft broke so then I got it replaced. with the warranty and then that one. broke also and warranty said you can't. get another one so I had to wait a whole. year and then I tried to cancel the. warranty through the dealership and it. took them five months to give it back to. me and that was the warranty money off. of it it might be too much for you to. qualify but if you're if things are. getting wor that you might have to. personal loan this thing but even still. do you you don't need a 17,000 car at 18. that's what I told but also but what are.

you going to do with it if not so it's. it's on both sides it's worth. $1,146 but Salvage though are we sure. yeah no it was no it's not worth that. much on a salvage title yeah I had a. truck stack loan stacked onto it at the. time I had it all paid down oh it's. rolled over it was rolled over so what. is. this well first of all hold on I don't. want you to buy a vehicle for $177,000. that's worth ,000 yeah I did make a. mistake of that but I kind of we haven't.

done it yet no but I did make a promise. to him and I don't want to go out on. that promise because that would mess. more in his financials what do you well. he's saying he's saying he doesn't care. no I I do care about him going back on. it oh but I've told him many times I. don't in the beginning before he even. wanted it so what do you think what do. you think what what should we do what. should we do about this car he chose his. own decision it's already happening it's. on him okay so he can't back out no in. your mind okay learning mistake at 18.

yep that's what my mom said after he we. all told them we said we'll sell you the. car but just let you know it's not worth. that much yep all for a charger so you. could look like you're rocking above six. inches you should see how much she gets. pulled over and we're just assuming he. can even get a loan though what if he. can't uh I I know his credit score is. decent but he might like get to income. he did do like the pre-approval and he. needed a. um co-signer which is my mom and then.

they he needed like two grand down oh my. this family he needed some money down. and so the warranty money went into that. as like money down but now they're. saying he needs like a th000 to $2,000. money down to get this loan because car. he said he has a th he wants to get a. th000 oh how much do you have uh none at. the moment because I'm mainly paying him. and with not enough days I've been. paying him with what for what car.

insurance phone oh the payment rent rent. all the guy that's around 50 the car. payment as well yeah he pays the car. payment pays car payment insurance if he. doesn't own it but you're selling it him. he has the car he's had the car for two. months so it's just the agreement we've. had yeah and we just started picking. back up last so if he can't how often. does the business slow down just twice a. year two months out of the whole year. why well it's happening now that it's. Sal Seasons Labor Day sales. between sales is when it slows down a.

little bit okay so it's right after. Christmas and then so we got the Labor. Day 4th of July Black Friday Black. Friday brings us all the way through. winter. yeah so really like the last two months. are going to be slow We slow and then. now it's going to pick back up yep and. so. we yeah so when we are busy I work five. to six days a week okay well you still. have the 177,000 hour car so let's say. that charger.

17746 97 the minimum monthly payment of. 5. 56 interest rate uh 8% .9 on the charger. I think okay not great yeah before he. wanted to buy it I was going to. refinance it and get it lower and what's. the other car a CRV okay we have it at. 15877 Via your VIN. yep mhm so you're underwater by about. seven yeah so my.

CRV I did bring it to a bunch of dealers. to see if anyone would trade me for a. car that we could pay in cash so like. Trade It Down pay the rest in cash until. I realized that it's not worth that much. and so at this point I told him not that. we're stuck with it cuz I really like. the car but it's just like something. that we can't get rid of at the moment. unless we like super pay. down to get it even to how much it's.

worth yall need to treat this debt like. it has. germs this is crazy okay. SO2. 2,168. 59 minimum to payment uh 500 it's like9. long term must be yeah I think it was. like. 72 and the interest 12 12 let good. getting worse it's worse than the it's.

worse than the Target Card good death. good death well it was so I originally. had one a CRV that had like a 3%. interest. rate and then when he slowed down and I. quit my job I traded it in for Toyota I. not have the company at the time I was. working for somebody else I traded it in. for a Toyota and then I traded that. Toyota in for a Subaru I sold that. Subaru and that's why this is so much. why have you not paid your taxes um my.

accountant at the time never told me. that you had to pay taxes no he told me. how to pay taxes he never told me when. they had to start making the payments on. them I didn't find out until they sent. account and they're getting your books. on they're not your CPA actually told me. he wasn't going to be my accountant. anymore in July okay that he so then I. found another one but he told did you. file an extension yeah I got everything. already done figured out I already paid. my state taxes that's the federal taxes. so when I got the letter in the mail so. what happened with Federal cuz those.

after certain extensions with businesses. are due in October no I said up or no. yeah that that's the the federal one I. but this was already due this was. already due yeah I I have a monthly. payment set up plan for it you're on a. monthly payment what's the interest uh I. don't there's usually interest I think. there's that much I don't know how much. the interest is on it how do you not. know well I have a screenshot of an app. so I can't tell you it was just online. limited information.

8,000. 6030 minimum monthly. 500 great so that's we're taking 500. hours away that probably needs to be. saved up for next year's taxes yep how. much do you have saved up for next. year's taxes so far because of slowing. down oh good oh good listen you need to. figure out because of slowing down you. know the how it is it's not because of. Sling down you just literally named. would it slowed down to me and when it. picks up so you would know this you talk. to the crew oh you guys aren't working.

this month I'm sorry we got it okay I. I'm down with the pay the crew thing I'm. down with the pay the crew before. yourself absolutely but you know the. crew doesn't get money if the business. doesn't exist so if the business goes. under by you not being able to pay. taxes that's a little different so. there's emergency levels. right if you're fat up with your current. brokerage whether it's Sneaky fees lack. of features or you're just ready for an.

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one fry Zoidberg. oh so we're spending all this money even. though we have IRS debt and not we're. about to have IRS debt again CU we have. nothing to say for the future taxes and. they're they said they want me to ask. you about a couch or something like and. I'm guessing we did something stupid. with cou though we did something very. stupid what when you're going to have to. pay tax again believe it or not it comes. every year so what what what couch so we.

went in because our couch broke and we. were going to buy a couch um just like a. small one but we walked out with like a. $3,500. couch on a credit store Ashley Furniture. oh I've done that don't recommend it I'm. okay with the financing if you do it in. a smart way did we do it in a smart way. we have zero interest for the first year. when does that end we got it last month. yeah we got it last month is a deferred.

interest yes I think it is you didn't. know that on the last one I set mine off. to pay in 12 months because I knew the. first I'm I love 0% Finance I'll have to. look into it more why don't you show me. I it does not say anything you haven't. set it up yet it is already usually no. it through we Wells Fargo. oh I don't know oh you guys probably got. approved from for some loan honestly. which means there probably definitely is.

deferred interest yeah take a second. hold up I have like no service here you. didn't join why does no one join the. Wi-Fi I forgot that was a thing there's. a thing out in the lobby that's like. join the Wi-Fi and everyone's like oo. snacks Zoidberg picks snacks over. Wi-Fi so you owe 3500 it's like 3 one uh. I was expecting a crazier price tag cuz.

as someone who's done the furniture. shopping I only gotten new furniture. once and oh boy they do be expensive so. I get it yeah well it was our it was. literally my dream couch I've talked. about it mul dream couch yeah it's the. fuzzy ones with the pleats down it it's. so it's going to wear and tear easy they. said it won't they lied yeah we. furniture they lied two cats and two. dogs and it's a white couch but we got. the warranty on it they said it does if.

anything breaks we can just get a new. one sent over yeah breakes not worn down. well they fix any scratches or anything. like like tears and rips right uh well. to a certain extent who who whoa they. said cat cat scratches okay be very. careful cuz usually it's like okay maybe. a puncture but sometimes like an. intentional like like they won't come I. don't know I would the lady who did it. sales woman yeah she said she had cat oh. the person who wanted her commission. interesting yeah H.

H okay yeah I'm I'm betting you're. getting deferred interest what's your. minimum monthly payment on that uh 117. so it's there you found it yeah it just. doesn't say anything for interest at all. and you guys are not credit card people. to be clear no you need to use a charge. card like the Fizz card something where. you put the balance on and you can only. spend it but it still benefits your. credit card said it downloaded where. would have with have gone on this I. don't know you scroll down it's probably.

okay no it's not okay find it or maybe. we need to join the Wi-Fi you didn't. click on it yes I did I said it was. downloading and then I saw a download. thing is that it yes let me. see let me have a little peek. wonderful it's interesting how we're. able to I did not know I could do that. on there do things when we click buttons. isn't it it's not the one your thing. it's starting. $40 in only one. month.

so imagine that stacking every single. month and it all hits your balance by. the time a year from last month. happens $40 a month $40 $40 times that. by 12 that gets added to your balance in. a year in 11 months 11. months and then yeah this is going to. more than the Menard's one yeah the. Menard's one was like $60 added this is. going to be uh $480 added to your.

balance for this special little couch. and then it's going to sit there at. 28.99% at least at this time but it's. deferring and it. expires in 11 months almost to the. day told you I knew it almost like I've. been doing this for 2 and 1/2 years my. mom's going to get mad I lied to her.

about the price of that couch what she's. well she tries to help the crazy thing. is it's actually for furniture is just. too expensive it's not the craziest. price for a piece of furniture for a. couch especially um especially if you're. King the dream coach But first you guys. probably should have know but two it's. the divert interest that's about to kill. you but what what did you say it was a. thousand that was your original amount. of the couch looking at so my my mom. what does even matter you're. 27. six I care about her opinion and she.

like she knows yeah but what is she. doesn't know half of this yeah but she. probably doesn't even know what a couch. costs oh she yeah she does oh then she. why would she care then she would be. like oh you bought a couch well I told. her it was on like a clearance sale but. why you're just. lying like she would have understood the. price of a couch no because then she. would have said you could have gone to. like Habitat for Humanity and got a. couch but those are old and a used couch. you could have said you got if you're.

talking if you're talking to someone and. and need their opinion to be good. someone who's like about every little. thing don't talk to them about don't. even tell them I know that like she's. she's trying to help she has like helped. me paid off credit cards stuff that. little kid's. GNA just go to the mall one day get the. stomach flu and going to vomit all over. that couch and then that's $3,500 on the. train. yeah that's what the warranty is for.

they can clean up stains yeah I don't. think she'll ever sit on it again no. probably we not in that spot okay what. is all this okay I see your credit. report uh 6:30 cars cars cards and then. I closed the count yeah we've we've. tried to pay off a couple credit cards. over the last year this is such a. disaster okay go on sure what ones did. we pay off I paid off my Amazon card I. don't give a about that no offense.

I'm talking about the one that's closed. and you owe. 1,465 oh that is my debt consolidation. loan that I had a couple years ago wow. you really Consolidated it. into soon to be collections it's going. collections what oh sorry it's close but. you're making payments yes I I make the. P I make more payments on that sorry I. make almost double payments on it what's. the minimum though just minimum 70 I pay. about 140 to 200 okay maybe not though.

so that shouldn't be going into. collections no I'm going to have to look. it up 14% is it and you paid $100 last. month so 14% on that yeah 14% on that I. think they charged me $14 a. month. y'all all right what is this oh there it. is it's a part of this checking account. gotcha yep. 14.49% 15% % it's a 15%. loan uh good a ending balance in our.

checking account of $332 so we combined. yes yes okay oh this is going to be so. much um oh Xbox good Xbox and PayPal. instant transfer and cash app and out uh. we went to the corner store in Big J's. Pizza hbi radio Cart Country ATM with. $23 who knows where the that went Mi. plums that was too oh that was the.

casino when you're stopping at a little. food mart and you get like. $6 what are we getting snacks. drinks uh drinks for the kid snacks and. drinks for the kid he stop he used to. stop at a gas station before work too. and get drinks just throw a water bottle. at it next time is seriously okay this. is like buy them in B we don't need to. be stopping and getting going and. getting BS getting Burger King Tik Tock. we're ping for tiktock and that was your. 21 pilot shirts I never ordered the 21.

pilot shirt that was not me on Tik Tok. then I don't know I don't even remember. act like you're over the age of 21 and. just not spend money you don't have when. ins like SBS when it's like SBS when. it's like SBS ven. $100 is that for paying your work no you. do check oh good Roku and then big Jay's. Netflix feet to farm car wash washing a. car when we literally can't pay our. taxes come on Cinema.

PayPal. wig Wing well wait Crown Wing country. land I don't know that one tal the the. music maybe when is I got some BS Culver. I love it can't afford it you're not. paying taxes hotels and tickets Discount. Liquor Bath and Body Works we can smell. nasty when we can't pay tax. cash app and out $800 to.

wear cash app $800 oh yep um oh yeah one. of my employees needed their check oh. sure cuz they forgot it and so like if. they forget the physical check he'll pay. them I got you are you accounting this. it didn't go through your business. account I know you're LLC so technically. you're able to work I take it from my. business into that one and then send it. to them and then I write it down pizza. pizza. when te some BS ice Conor ice and.

Mountain. session wonderful now on these business. accounts what the are we doing is this. all gas uh the gas stations yes the. Speedways and Casey and Holiday. Station all this Costco then you also. have crunchy roll and entertainment. anapod Hobby Lobby TJ Maxx smoke shop. who's getting lung cancer raise your. hand if you're getting L cancer both of. you all right good we have a kid so. maybe we don't anymore.

Subway Monopoly go not again5 what are. you doing how much you spend on Monopoly. go in a month that was that one time. stop deleting burn. it I told you not to spend money on that. app that was the only time this is. ridiculous what what's happening on this. card you spent $6,400 on there a lot of. a business yes and the business was a. lot of stuff just back and forth this. the business checking accounts actually. not that bad in terms of managing things. the the card it there was lots of BS on.

there still before I didn't use that one. for the business because we had it more. towards that and then I started using it. for the business and then we actually. was able to pay more of it off but then. we more stuff being spent on it but it's. mostly for. work you say it's mostly for work but. you pull it out when we don't have money. y so who's. right both I am. all the time 90% of it is for work. purposes 10% of it is.

normal I would say MoneyWise 90% is for. work but usage percentage it's like half. yeah somewhere around there again I. wonder if you need all these employees. well okay so like one does like front of. the truck driving and the other one does. back of the truck so one goes inside. installs everything the other one is. this is a. two-person job no one person can't bring. in a 500b frge. up think that he needs every employee.

that he has yes absolutely okay at least. at my company well our job I pay my. employees on time well that's good I'm. just trying to figure out I mean you're. not paying your taxes yeah well I mean. I'm making payments towards that some. other people aren't you have nothing. saved for your taxes. upcoming so it's just like I don't know. what you're talking about my brain keep. saying like my most of the money I get. from business keeps going towards the.

truck rentals my brain keeps saying that. once I can get my own truck in my name. I'll be saving a lot more money not just. your pay but money you're taking out of. the business what how much money hits. your account on a monthly basis your. personal account average give us an. average should be around five cool are. you. setting. 205% aside for taxes no I we're setting. 25% aside for tax. taxes 3750 is your income then welcome.

to the life of business. owner ask corpit pay yourself a. reasonable salary make your deductions I. or make your distributions less taxes I. was told not to put my company into an. escort well maybe L because then I have. to pay them hourly which is hard to do. with our job and then everything else so. I contract out people with an escorp. escorp can't contract out people I don't. know that'd be interesting I'm curious I.

don't know okay let's get your debt. payments so again the money that hits. your account this is after your truck. rentals right in the business we just. talking everything right every business. yes okay good I'm minusing the charger. because he pays. it but if he like dies tomorrow you're. that is. true got to get it out of your name my. friend. Windows oh good okay 13 of your income. immediately goes to debt minimum monthly.

payments. 1,242 okay what's your rent thousand. your portion yeah a thousand our portion. plus utilities uh your portion Utilities. in Internet uh about 3 to 400 depending. call 350 is that including internet yeah. yes car insurance is uh. [Music]. 175 for just us two yourport of the. phone. bill 200 that's insane do you own on.

your devices both phones and our child. iPad as soon as you guys pay that I'll. switch to something like helium yeah you. guys got to do a $20 month. option okay uh gas vom room drive drive. both of you combined. uh a month yeah 75 bucks maybe 100 cuz. one tank lasts me a week 100 both you or. 175 total I would say 100 both of us. both of us she doesn't go anywhere that. often and then I just go back and two. from.

work okay necessary. food how does this work with different. people living there like how how do the. groceries work at the house uh we buy. them he eats them nope he gives us he's. starting to give us extra money for set. aside for food yeah so like his rent is. rent utilities and food no more well. what's his rent 600 but now he's giving. us an extra $100 cover food so it's yeah. I don't think it's only $100 though it. won't be if I'm doing you you you and.

baby I'd be putting you guys at at least. $800 a month with meal prep yeah that's. like about what we spend and he would. need to give you about 200 of that okay. you hear that that's what we're going to. start doing then that's what you're. going to start doing that meaning it's. going to be 600 from you guys TP fun. this includes anything else you need to. survive this is makeup anything for kids. that kind of stuff 150 we're going to. put in Medical Healthcare co-pays well. you guys neither of you have insurance. does gold RX yeah I do okay $400 a month.

let's get you both on health insurance. see if we can afford that subscriptions. no savings no we already did the 25% set. aside for business and pets we have four. pets two cats two dogs okay food how. much probably about $100 a month yeah. with all four of them do you have pet. insurances no probably should or else.

you're going to get but I don't know if. we can even afford it. so trust me I just had an emergency vet. Ville. $33,000 oh my gosh it happens dogs are. stupid especially the one that I have. that consistently eats things that she. shouldn't she's like n two black labs oh. yeah. so I doubt you guys could afford that. $3,000 and I also doubt you would let. them die no so with that you guys are.

under about 500. bucks okay and that's what setting money. aside for taxes you don't set money. aside for taxes you have money left but. you don't because you need to pay taxes. so you don't have money left over right. it's easy easy as it's as easy as that. yep 567. negative and that's with him paying his. share and him paying his car that's. without the extra money the company. makes which I said all together what.

amount hits your account I thought you. meant in our. checking hit that you take from your. business that you take from your. business on a monthly basis. distributions and pay even though you're. not set up for pay it oh that I would. just do like an average because it's. yeah average average it out what I take. in total after everything yes around 15. no 17. to 25 cuz one week I a week. extra total total average total monthly.

that you pull from your business after. everything is paid you know like when we. go to the grocery store and we don't. have money and you take it out of your. business account or just tell me what. you. can distributions and your. pay tell me what you can seven to eight. sorry thousand a months let's do seven. to be when the trucks do good I make an. extra one when they do good I have the. full so you're averaging still in say. seven yes I can make between an extra.

one to 2,000 business side a week okay. 5,250 then after setting your money. aside for tax sorry I am it's okay not. the brightest when it comes to certain. things oh it's okay I'm also a dumb when. it comes to a lot of things so I get it. we all are it happens yeah a lot of. stuff needs to be dumbed down for me. that's okay I got you buds. 4,1 3117 needed to survive we actually. have if that is correct and we're. budgeting this correctly which big if we.

have 933 left at that's a lot better. yeah that's. usually what it feels you guys living on. your basic necessities yeah uh besides. again the TP fun that's 150 bucks I can. you know that that's why I was like. really shocked when you said negative. and I was like that shouldn't even be it. at all yeah okay I mean with that you. can take care of a lot of this pretty. quickly yeah it it's our brain is. telling us it doesn't need to go to that. just buy something stupid first three. months Target and Menards are.

gone 3 months after that Ashley's gone. cool six months Ashley's gone Target's. gone Menards is gone again city is very. sorry actually sorry first four months. Target Menards and your consolidation is. gone and then three months after that. Ashley is gone so now we're seven months. in okay okay okay cool that sounds a lot. more better and and after that the IRS. check out the interest it likely has. interest or fees or things added so.

we're probably paying that off and about. at that time with the money left over. it's going to be anywhere from it's. probably. about well actually probably about seven. months seven months after that so we're. 14 months in this is without you getting. a job by the way and this is without. without your business like increasing so. this is with everything staying sagna. but it's also without interest AC cre. okay charger we're going to make him. take it CRV so we're keeping it we're. not getting rid of it yeah that's just.

my car I'm not getting rid of we also. need the SUV cuz they're two dogs yeah. but you can get an SUV for $10,000 right. uh no I think at this you borrow the. difference you could have a $115,000. loan instead of. 22 also 12% interest we do want to. refinance that loan when the time comes. uh the time will come in. about. four months because your credit score. will not be good until then okay. yeah the couch really might up yeah okay.

now we have an extra 1,500 to throw at. it CV will probably be about let's call. 20,000 divide that by. 1,500 that'll take an additional 13. months to pay off so if you really want. to double your time to keep the thing. you can it's up to you right so we're. year in 3 months in a year and three two. years 3 months and two years 3 months.

all of our debt is gone sa fully front. an emergency fund we can round it up to. about three. years yeah depending you might be able. to do it in two years and three qus. total but that's actually not that bad. and that's again without any pay. increasing anywhere from either side we. do need a full emergency fund because. last year I had three surgeries was. ought to work for a while well also. remember in your budget I did health. insurance y it's it's probably going to. be cheap health insurance with higher. deductibles but if you have big. surgeries you're going to meet your.

deductible I was covered still under my. mom's insurance at the time cuz I was 27. not no more Yep so health insurance. tomorrow okay okay okay okie does. wow what a mess but your cleanup is. actually not that bad it's literally. just you guys budgeting so just budget. just be some adults who budget who sit. down communicate budget budget budget. budget budget budget as easy as that. y'all it's as easy as that let me get.

your Hammer Financial score we'll bring. in your brother more for the Post show. and we'll get his perspective on this. and we'll bring in the producers who. know more drama and things about you. guys and we'll talk about that make sure. you join the membership below get an. extra 20 minutes every episode of extra. tea spending a budget you over spent 0. out of 10 debt you have IRS debt 0 out. of 10 emergency fund nothing in savings. Z out of 10 retirement anything no. that's one of the reasons why we wanted. to come on here yeah yeah yeah yeah yeah. so you'll be and your third you'll be 30. by the time you're done with this so you.

have a lot of time still left we're. going to be saving up for retirement cuz. you guys need to have a good retirement. you don't want to throw your burden. under your kid yes retirement 0 out of. 10 real estate 0 10 you don't own it. right it's a rental yeah yeah we're. going to buy it in a few years but huh. we want to buy it in a few years so like. we rent from our friend she bought the. house we run from her all right let's. talk about that in the PO show okay. Hammer Financial score zero zero out of. 10 make sure to check out all those. resources Linked In the description. below where you can also get our.

budgeting and investing program at a 15%. discount and get $100 in cash from us. gifted into your Mumu account today on. the financial audit post show our friend. bought the house okay lived with us for. this intention for this intention lived. with us for a little while we buted. heads she moved out it's so great that. we mix everything in our lives with. every it's so convoluted with your. family and friends it's getting a little. too uh incesty even those you guys are.

so far north to watch the financial. audit post show click the join button. below.