Unhinged Newlyweds Destined For Divorce | Financial Audit

married for 5 days 6 days oh and you're. saying we're in this situation because. your wife collects things I think we. probably would be less in this situation. if a certain someone didn't have. collections we'll call them the the art. that you see on her body is very. expensive but she just out of the gate. just like her you know normally what the. heck are you buying and why are you. still putting it on these credit cards. that we sold things reasonable. question hi my name is Ellie I'm 27.

years old hi I'm Joel I'm 29 years old. and we're based out of Phoenix Arizona. and this is financial. AIT thanks for coming down to Austin. guys uh what do we do for a living in. Phoenix Arizona we'll start with you. Alie I am an admissions adviser I. basically help kids get into college oh. do you you help people get into college. do you lead them to Majors that make no. money yes no we do M I was led major.

mainly business no I'm I got a degree in. in Coloring I have an art degree oh I. have crayons if you'd like some uh and. what do you do for a living I work in. Tech uh in the law enforcement space w. interesting yeah they're based out of. Scottsdale Arizona they make body warn. cameras and tasers for police officers. oh okay just don't tase me and then. chill what you it's not fun what do you. make you've been tased I. have oh okay p poor choice okay.

admittedly and what do you make in this. job oh sorry I should probably have. prefaced that that that was like a. company thing that was like a yeah yeah. sorry we were it was like voluntary. exposure I just realized I just realized. that you were probably getting the wrong. idea here but uh no it was an optional. thing if you're a criminal you're a. criminal you know you do you how much do. you make in this job uh I brought in. $60,000 last year nice and how much do. you make uh about 48 okay so we are.

at 108 how do we feel living on in. Arizona this it's definitely a struggle. just CU everything is kind of jumping up. in prices jumping up in prices yeah. what's jumping up in prices and by how. much bills uh groceries like I think. were uh. 12% like when I was just looking at it. was the Bureau of Statistics like over. the last five years um and we're for. whatever reason 5% higher than the. national average in Scottsdale Arizona.

uh just Phoenix Arizona oh in Phoenix. Arizona I don't know about Phoenix. specifically but right now just. year-over-year inflation were at and. sometimes depending on the report below. 3% so I think at the peak of inflation. you know when we were looking at that. nine and everything like that that was. certainly you know a hard of time. especially when things like eggs and. poultry that went like insane first that. went. insane man it's easier to say you know. if wage didn't keep up with them you. know it's easier to say okay you know.

times are harder and for a lot of people. it really is um yesterday the median. wage growth across the United States it. was announced today sorry this morning. that it went uh it increased by almost. 4% year-over-year where inflation is at. 3% year over year and sometimes below so. right now median of course this doesn't. apply to everyone it's just median is. actually above so it's finally you know. potentially not only that doing a keep. up but maybe a bit of a recovery. potentially I know the statistics also.

came in 4.3 unemployment rate lot higher. than people thought so either. way is that the reason why we're. struggling CU whenever I hear. immediately people say inflation the. economy I'm just like okay but what's. actually going on if we look into your. money because a lot of people just use. them as cop outs there have a lot of. people that have actually gone through. hard things because of the because of. the incredible inflation that took place. a couple years ago absolutely mhm. absolutely but when I hear someone.

mention it right now today right I'm. curious and immediately want to I will. say I will say at least in or sorry in. Ellie's situation um you she hasn't. gotten a merit increase since 2020 you. haven't nope like this is a that a. battle she's fighting that is because of. the Department of Education okay the. Department of Education basically has a. set amount that people can can make.

legally without being. compensated for enrolling students so. this might tell us is this the best job. how long have you been in this job two. years how long have you guys been. together four four married by four four. married five days six days oh this is. new yes yes yeah there's there's there's. low behind that for sure well before I. like destroy you guys or whatever yeah. seems reasonable.

congratulations let's have. happiness is your honeymoon being on. financial audit basically believe it or. not this is U this is our honeymoon. Financial three-way this is. exciting mini finances what's going on. guys what's going on here so I think we. probably would be less in this situation. if uh a certain someone didn't have uh. collections well call them.

so collections of maybe Miniatures and. collections of financial no no no no. collections of like things so she. collects she collects the the art that. you see on her body is very cool but she. collects it and it's very expensive but. uh how much have you spent on. tattoos um I have spent probably roughly. around eight grand but the course of how. I went how long.

years Elma now I've spread out over the. course of years I mean it's just it's. dependent and a lot of things whether or. not that's good or bad I mean you have. it sounds like your wage isn't keeping. up with what you need it to so that. would make it like okay maybe that's not. the most responsible purchase but you're. specifically saying that your new wife's. collecting of different things including. the art on her body is as you said is. what got you into the situ I don't even. know what this situation is I went.

through your finances so I I technically. do but it's like you know it's a thick. pile it's a lot of debt it's some of the. highest credit card balances on single. credit cards that I've seen in a while. and there's some really high interest. bad debt there's some Sally May that. private student loans um and you're. saying we're in this situation because. your wife collects things I mean there. are definitely I we took out Sally she. does your wife collect. things no that was that was definitely. due to me going to school for way longer.

than I anticipated uh so why is this. about your wife collecting things well I. mean I definitely sounds like you. collected a high interest s my. alone yeah that's definitely true that's. definitely true toward the end of it. where I was like half a semester no a. semester away from graduating and I. didn't have the money to finish um and I. couldn't start classes uh until I did. that I you know got desperate and was. looking for any way uh to get a loan cuz. I had already EXA exacerbated so what is.

this collecting thing though I mean that. you bring up what is this so I mean just. out of the gate just like yeah you know. well it was it was more so when we first. got together she just had like. collections of things whether it was. small backpacks or I don't know if. you've heard of Funko pops but yeah now. I know because we had someone else on. the show well this one has more Funko. Pops than days in a year so it's it's a. fair amount of of things that she would. just buy like little oneoff things and. they just show up in the mail where. she'd buy them and be like oh forgot. about this it comes 6 months later.

situation because of that I mean it's a. contributing factor I don't I doubt it's. I doubt it's the main reason there are. definitely credit card charges on my. only credit card that may have been. Funko. related a little bit ago what's a little. bit ago um it's been about a year since. I bought a. Funko but I was really bad like so why. are we talking. about that well what did uh what did you.

tell me just the other day what was this. last weekend oh my God so a few days ago. I decided to work with a tattoo shop and. we're planning on doing a tattoo in a. few years and few years yes cuz I'm not. trying to pay for it right now so what. we decided was I was going to do a. payment plan and then by the time I for. something that she's not going to give. for a couple years well that that's. stupid when don't you do a payment plan. when you do payment plan you get the.

product and you pay for it over time you. don't pay for the product over time and. then get the product but this so this is. going to be when you finance a car do. you get the car after you're done paying. it off for a few years so this is this. is like an artpiece so you always pay. well in most cases you pay before for. the art piece so that way you can do it. or you how art piece that I haven't we. haven't figured out yet so should you be. figuring out if we have high credit C. price if we have S you you basically. have Sally May loans now basically yes.

co-signed on because this one has a cute. face oh wait really yeah so the the the. student loans are all my loans cosigned. I did yeah you co-signed on to his. private student loans yes I did you guys. were dating and we were dating a few. months no not a few months we made a. more cosigning a few months into our. relationship why would you do that in. what world does that make sense. so for me at the time I was doing a lot.

better. financially um I was bringing in like. four 5K a month so doing something like. that was why don't you do better. financially now. then um well working from 6:00 in the. morning to 1:00 in the morning is not an. ideal way to continue your life sure. probably not sustainable but if we. continue to live off of like we're still. still making that amount of money then.

we get into a bad situation then we. can't get out of that situation maybe. it's a thing we have to do temporarily. to get out of that situation and then. budget like we're no longer in that. situation anymore so I guess my issue is. is that because I basically. learned to spend the money that I did. because I made so much now that I make. so much less I'm like okay can I buy. this and I'm like no I'll just buy it. it'll be fine and then I'm like that's. what I just said yeah yeah. okay making it make sense in my head.

sorry oh. sure but yeah. it's well in this definitely how much do. you guys know about each other's. Financial. situations now everything what okay and. when did we figure this out um probably. whenever we did two years into the. relationship we started looking into. each other's finances like hey this is. what I'm struggling with this is what. I'm struggling with when we started. paying off each other's struggling with.

now. then uh we're not credit card people. yeah trying to keep uh being honest with. ourselves about that probably somebody. needs to be honest about themselves what. does that mean that this one makes a lot. of. purchases that he shouldn't be he okay. see I'm confused I'm confused because. when I ask what's going on you say. you're into the situation because of her. Collections and now we're saying but. we're in bad credit card debt because. because she's saying because you make a.

lot of purchases that you shouldn't be. so what the is actually going on what. the is actually going on here into this. like what is legitimately going. on I mean I definitely I definitely take. risks when it comes to purchases like. cars and motorcycles and attempt to fix. them up and flip them and the overall. pnl across over pnl is not great I'm. sitting on a lot of sunk cost right now. so maybe we don't do that well we have.

tens of thousands of dollars debt and. we're taking out Sally May student loans. and we're having a girlfriend over a. couple years at that time co-sign on. them yeah and I think I mean I I think I. kind of echo sentiment on believe the. name oh uh uh Ellie sentiment on. um definitely living outside of my means. like going to school for what I what I. graduated with in December just softare. engineering I kind of which I love it's. a great degree right I kind of I didn't. anticipate the job Market that I'd be. coming into and it's a hard one for that.

right now right I mean mean we've seen. it be bad and we've seen it be great so. I I know that the work will still be. there I just need to get myself into one. of those roles and so I think the latter. half of my schooling I I kind. of purchased with that kind of income in. mind down the road so kind of so. preemptively down the road a little bit. what did you preemptively purchase um. well. necessarily individual purchases more so.

just the use of the credit cards like I. I wasn't a credit card person until you. think you're a credit card person no. well I think I know what the proper ways. to use credit cards are but you don't do. them so you're not a credit card person. in order to be a credit card person you. would be using credit cards correctly. right even if you know how to bad. execution if you know the law and you. still break it it doesn't mean it's okay. because you knew what the law was valid.

but I I mean I understand like yeah I. guess I understand how to use credit. cards but in practice don't. you ye yeah it's the. impulsivity well I think the I can. convince myself that I can pay something. off if I budget and then that's where I. I'm just I'm just still confused I I. want to jump into the stack cuz it's a. stack but I'm just legitimately it was. so what's going. on and then it's like it's like so which.

what it it's just like the other. person's is is that just what I'm. hearing is the other person's I feel. like we're the same kind of and that's. why and why are we deflecting oh yeah. that that's not that's not cool right I. mean happy six. days we got this we're on a roll doing. great you guys are doing great at being. in debt together and not getting out of. it okay so I want to know self. assessment where we think our now. household Financial score is zero being.

the worst 10 being the best I'm going to. go 3 2 1 and then on go you guys are. going to give me that score at the same. time to see where you self assess it so. overall household Financial score three. two 1. five everybody wishes they could have a. perfect credit score but in reality a. rocky credit history can make things. like getting a loan or approval for an. apartment feel like running into a brick. wall that's why I'm excited to introduce. you all to the sponsor of today's video. kickoff kickoff gives you a credit line.

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and only available at get kickoff.com. calb terms of offer are subject to. change don't let bad credit hold you. back take control and start building. your future head to get kickoff.com calb. and get started now thanks to kickoff. for sponsoring this video0 five and six. why do you think you're so good I think. that are you asking personally or for. the both of us yeah why you guys think. why you think your household Financial. score is a six out of 10 above a solid. middle um because one we can still put.

food on the table we can still manage. literally like a basic necessity okay. yeah so we can still pay our bills and. we haven't got defaulted or anything. like that so the literal. minimum makes you above like good job. solid. middle I think it does I think it shows. that we at least can sit down and do the. halfway point of what we need to do. which is is maintain our bills pay our.

credit cards go through and make sure. there's food on the table and why is she. wrong 0 five so if you just look at I. mean you know the debt that we have is. so egregiously bad comparative to like. any other debt you could carry um that's. why I mean it's just our it's just our. highin debt that I'm just like it we're. we're literally kind of on that end yeah. um I've never I've never been in that. much credit card debt so that's why I'm.

just like and I always know that my. parents and the way I grew up they were. always really big into credit card debt. and that's why their finances areally. ready for the commitment you guys just. took on for a lifetime if you guys are. so beyond disconnected on your. assessment of where you guys are I think. it was a little ready shoot aim of us. for. sure I mean I'm not backing out of. anything but that's good that's good.

good to know glad we were able to figure. that out. today um yeah no I mean we've definitely. got things that we need to work on and. the way I'm able to process things the. way that he's able to process things is. a little hard for us to sit down and be. like this is how we need to budget and. okay if you guys aren't ever going to be. able to agree on a budget how the are we. going to be able to get to age age on a. budget we did have a small budget that. we do then what the is going on cuz this.

is not what people with budgets have yes. so we had. decided late to early this year like. late last year early this year um that. we were going to sell some of our bigger. assets so what you guys have well so we. sold I had a car and I sold it made 14k. he had gotten into a motorcycle accident. so asset it's not an asset titanium. asset I suppose.

now um but he got into a motorcycle. accident we got paid out for that he had. some bonuses that came through and then. we ended up pulling from his 401k as. well decided that no but that doesn't. the other I understand getting rid of. like a physical thing like a car but a. 401k I mean you're going to take an. immediate 10% hit at a minimum for early. withdrawal was it a 401k or was it the. yeah it was my 401k no it was my 4 so. you lost 10% on it so imagine that as a. 10% interest debt essentially yeah and.

then whatever gains were tax the uh. capital gains and potentially short-term. capital gains depending right it pro. probably actually because it's done it. did fairly well like even it. mathematically end did that well it gets. worse cuz it did it it so it did work it. did work no what got worse no I mean it. it got worse in the sense that we used. it to pay off a lot of debts and now. We've ran them back up it's cuz you guys.

didn't change your behavior this is what. happens when people shortcut to the debt. and I'm good with selling your to get. out of debt I'm good with that I'm good. with consolidation to get out of D I'm. good with transferring to 0% interest to. get out of J I'm good with those tools. those tools are good but not before. changeing Behavior if we don't change. our Behavior we get into it again and. now you have nothing to sell for it. right yeah right right we've basically. sold off every asset that we can and. that's where we are now is that I wish. you could sell back some tattoos you. know I if I could cut it off I might me. all right if you want your Hammer. Financial score it's free Link in the.

description below also if you have. interesting uh interesting finances if. you have anything you want to have. challenged uh and if you're an. interesting person and you want to be on. the show go to Caleb hammer.com. apply always appreciate having people. like you guys on thanks for being here. especially after just getting married. that's really cool of course thank you I. have a PayPal thing a PayPal credit. perhaps yes that would be this is under. Mr Joel yep yep. all right PayPal.

drill this we're sitting at. $675 now that should easily be able to. be paid off with your guys's income. situation yeah it was paid off okay. definitely was and it's a $41 minimum. Mony. payment but I mean this should be able. to be paid off every month from a. self-confessed credit card person but. there's interest being charged at $427. now and you didn't okay so it's at $199. you put a $88 8 payment towards it. starting to make progress but you didn't.

fully pay it off but it doesn't even. matter cuz you purchase $50 85 on it. yeah and it's a creu interest it's. already such a small balance that you. should be able to pay off especially if. from a credit card person why are you. putting more money on it in that case do. you even know he is uh yes I do and and. we're okay with this do we have. conversations about this do have and how. do those go normally what the heck are. you buying and why are you still putting. it on these credit cards that we sold. things reasonable question I would love.

the answer to it was a convenience thing. with uh Best Buy being able to buy. through PayPal and and put it off either. in the paying. for like sales like if it's like oh you. know buy two get this plus incorrect it. was four Ubers oh sorry so like I was. thinking of my other PayPal thing oh. wonderful to be fair to be fair the U or. the Uber Uber stuff was really odd.

because. we we took we took trips and for. whatever reason like all the payments. either didn't go through or were on the. wrong card so all of a sudden I logged. into my Uber app and I had like all of. those unpaid trips I have no idea why. and so I thought I had my why' you put. it why why is this your card though it. was the P off that's a crew interest. attached to it and I just I just was. like okay we need an Uber right now La I. mean you guys you guys are newly married.

you're not even 30 yet me that makes me. feel great. um future. wife. quicker no I'm kidding I'm not I'm not. that. desperate no no I mean then you'll have. to figure out this whole thing where we. don't communicate or would that be like. right out of the gate it's like is that. is that how first dat's got to go it's. like finances on the table yeah is that. what you would have suggested for us I. either put the finances on the the table. or her on the table you know I mean hey.

maybe the lad with those lines I'm. surprised he's not. married oh okay what are we doing okay. great all right well that's sure you. know uh no I don't remember I'll move on. to the next. card spend pretty silly for sure yeah oh. just in general you guys just got. married we're not in our 30s yet we have.

a long time to go have you guys. discussed where you want to. be want to get to. 100% okay and where is that goal and. when and what the goal ideally would be. to live or own a home in Phoenix so. that's that's one and then we have. family uh in Montana and maybe Colorado. here soon so we'd like to own somewhere. to go uh when it gets little hot yeah. yeah okay summer home okay my parents.

have land up in Montana so I I'd be able. to build something on their land sort of. thing so it would be I but gets a little. come on asset ownership gets a little. weird there yeah and I would rather you. at least own the land that that would be. the end goal for sure but it's it's. helpful to like you on the deed yeah. have something on there and I have. siblings too so I honestly I don't even. know how that's going to work o if if. that starts getting complicated I. wouldn't do that either way that's. longterm. picture is that it we yeah we well no we.

really want to that's like the lifestyle. we want is being able to they call it. snowbirding in Phoenix um and we want to. have remote jobs so that we can live in. both those places and potential are we. ever going to get a down payment on a. home if we're not uh sacrificing in any. way whatsoever to get out of debt if. we're not really if we're blaming each. other for why we're in the debt if we're. still spending on cards that we can't. fully pay off that is already at a small. bounce that you should have been able to.

pay off anyway what are we doing yeah. being irresponsible. and no no. but your goal must not matter that much. then it's the short-term gratification. must matter more well I mean no we we. definitely care about our goals like not. enough to put effort into it I mean we. work toward them we we definitely like. make make plan minimum payments minimum. payments Okay cool so you'll get a home. when you're uh 95. yeah I mean you already told us not to.

blame the market so that that excuses. out well homes heart I mean okay well a. part of the thing that we can blame when. it comes to the market is right now I. wouldn't say that anyone and everyone. should get a home because maybe renting. makes more sense right now we're not. talking about you guys getting a home. right now anyway but renting. mathematically makes more sense for a. lot of places at this exact moment if. rates go down to a point where it makes. sense with the Home Value Plus the. interest rate on the home the payment. makes sense at that point where it's. more affordable to buy a home then yes. let's do that but because of of course.

home rates tend to only go up yeah uh. and property taxes tend to only go up. you're right it becomes harder and. harder to afford a home and it takes. longer and longer to afford a home I can. sit down with you guys in your income. situation and be able to get you guys in. a home within you know a certain time. Horizon for sure I could really well yes. I mean the time being the the factor we. don't know right no I'm just saying that. where it's like we can there are certain. things in the market that it harder but. you guys have the ability to do it we're.

making pays it's not making it hard. you're making it impossible for yourself. right minim monthly payments across all. these debts are I need to go into these. debts more so the the people out there. know what we're talking about so let's. talk about this desert Financial Credit. Union um so this one's a lower interest. rate debt but what even is it what did. we take out why isn't it $1 19,33 what's. this even for so this is our Jeep this. is our car we have a car we have a one. of the car loans though cuz I saw. another one didn't I yeah that one's for.

a motorcycle oh great necessary okay so. the. Jeep I'll be getting a job here soon. that requires me to ride motorcycles so. uh okay we'll talk about that when we. get to that then. $1,335 Zed on this it's only a a 5.4%. interest rate usually for cars for the. minimum to payment uh until it's paid. off I usually like to be at like 3.5 or. less oh wow I thought that was good no.

honestly for cars depending especially. compared to a lot of people on shown. where rates are it's not bad it doesn't. mean that I just want to let it sit. there though is what I'm saying oh I see. now in the debt payoff strategy it'll. probably be last but also just a. $20,000 you you you're only able to you. couldn't even pay off your PayPal card. at $167 and we have a $20,000 car debt. like is that what Mak sense yeah and. plus what do you think it's worth that. one was another one of my uh what do you. think it's worth I'd say.

12 she wins this one it's worth 10 it's. worth half of the balance you owe on it. yeah ask us how much you spent on it how. much you spend on it 30 grand so 32 when. when we bought it when back in Co back. during Co time so 2021 yeah it was like. 21 weird time for it it was a weird time. and I was trying to finesse like having. a vehicle with like the certain trim.

that was going to hold value but I. didn't take into account the mileage the. mileage got to it and now just the. mileage but you bought when the car. market was like at like a peaky peak the. used car market especially mhm yeah. definitely you're competing against that. I mean we haven't gone back to pre-co. levels and we're probably not going to. but either way like you got it when like. it was pretty clear that there was a lot. of supply chain issues yeah like I think. anyone with a brain would have known. that a used car would have gone down in. value at some point from there because.

the world would pretty much the entire. world economy would pretty much be over. if the supply chains never caught up so. there' be no point at that point anyway. mhm and we already had two. cars so we have a we're sitting here. with a $20,000 loan that we didn't even. need so this was just a bet on it. maintaining value why do we even want. the well so we didn't even need a car. why did we get this car in general we. wanted a vehicle right that could go up. camping and could go do a lot of the the. things that we like to do and and. rent one for a weekend let's take a.

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$20,000 Loan in order to get to Camping. we you got to be able to you know enjoy. your life like I agree I agree you know. and if that's if that's what you want to. do and this is what you value more go. for it if this is what you value more go. for it if you want to be in debt for the. rest of your life because the lifestyle. that is is bringing you is more. enjoyable than ever being able to AFF a. home ever being able to retire ever. being able to sleep without the. knowledge of the Dead over our head if.

that is the life you actually enjoy go. for it I'm not against anyone living the. life they enjoy it's not the life I. enjoy so it's not what I preach but if. that is the life you enjoy do it I think. it will cause more stress and pain in. the future just based on the overall. American economic system and how. retirement works and I don't think we. can rely on Social Security necessarily. I think it would be a mistake yeah but. if you want to you can. yeah I.

mean I I guess we just that's like one. of our really big bonding things is is. being able to go outdoors and like. commune with nature and and hang out. with with each other. instead yeah gross. okay I don't know go on a walk in a path. there's is there is there does outside. exist in Phoenix well not when it's 115. it's not as bad as here honestly your. weather sucks yeah it's humid it's. really bad Heats better take a spray. balls yeah okay I mean so we we like to.

go up North and like that's a that's a. and I like you. to choose yeah sometimes and I'm not. saying don't ever but maybe not as. frequently choose what's more important. getting out of. De. house going up north yeah so you're. saying don't go trade in the Jeep for a. new Tacoma no is that an actual. consideration that was an actual. consideration okay why so so the Jeep. the Jeep ended up uh we ended up not.

being able to drive it first of all we. had to go to one car the Jeep because my. other projects aren't working right now. and cuz apparently you have no idea what. you're doing so maybe quit this side. house it's definitely more of a passion. then it is I'm not I'm not efficient. enough to to make money at it loving. cars I can fix them but it do hobes. right now yeah that's fair uh we can we. can it's just hobbies that l prevent us. from. like staying alive yeah yeah so we were.

down to one car and the Jeep ended up. being down for uh 2 months and that's. with me getting professional help with. Diagnostics everything trying to get it. back on the road as soon as possible uh. and when we finally got it back on the. road I was able to start going back to. work and I was like we need something. more reliable and so uh Ellie's mothers. work worked at dealerships and Toyota. dealerships in the past and she's like. they're super reliable they have great. warrant like let's go in there but. you'll be happy to know that uh when I. saw the interest rate I said no okay cuz.

it was insane so it's not a. consideration not anymore okay I mean. well we are wanting to sell the Jeep so. that way we can get out of it and at. least into something that's back in the. garage and not running right now and I. need a vehicle to get work sometimes. like the method to get out of a debt. like this is to borrow the difference. and then get a $10,000 car but if you. borrow the difference and get a $10,000. car you have a $20,000 loan again yeah. I'm already seven under mathematically.

or sorry 10 under mathematically it's. just like well Toyota is willing to give. us 12 as the reason I got seven but as. of when as of well before it was not. working right now but huh this was last. was this last month we went last month. this is this is her yesterday she. decided to tell us she had issues this. is her mom like pulling in some favors. and things like that and and now she. can't presumably because they don't know. that it's not working right now uh yeah. probably not worthless R je is worthless. at the moment because she's having.

misfiring. problems yeah so the thing we're already. $10,000 under on is like that's what I. was in the garage working on all night. last night to a different car me so it's. it's not reliable the. scraps yeah I mean it's it's probably. just a fueling issue to be honest then. fix it you're the car guy I'm the car. guy I am I am I ruled out spark in air. so it's got to be fuel yeah only only.

three things that it needs to. run okay so and you were leaning on your. mom working at this just to get us a. good deal um who wait whose's mom uh. Ellie's mom yeah my mom you guys lean on. her for anything. else um so we lean on my mom for not. much um because I tend to be more on the. creative side I get leaned on when it. comes to her business. so she I'm explain I'm explain you.

you're explained so I wanted to get. into my own business by doing something. creative started off with doing. resin and then it's like the stuff you. pour into molds and make make stuff out. of okay so you got to make mold epoxy so. okay yeah did that for a while then. wanted to Branch off to doing strictly. products for different dispensaries um.

definitely not. oversaturated yeah right so realizing. that I'm like you know I'm not new into. this so now I want to make my own. clothing so because my my mom is a. travel agent she has her own little. giveaways that she does so she uh. invested in the Cricut machines so that. way I can make her t-shirts for people. that she needs to give and stuff like. that Cutters and presses and stuff yeah.

so I do her advertising basically so she. provided all the stuff that I need to do. that and then I do it for her what are. you making from this um I nothing from. your mom yeah nothing my mom bought. everything so that's the deal that we. you're doing it for free yes mainly the. reason what the is this point what's the. why because I want to start my own. clothing line that wow another Easy.

Market to break into focuses mainly on. Mental. Health that's what I want and as someone. who's a very big mental health. proponent I'll ask what. the so mainly like what is that what is. that. brand so I mean you go around you see. everybody here you have an extra. chromosone here's a. shirt like what is the to to to put out. messages that can reach not only you but.

also reach other people do you have. examples of those I. do I don't have physical. examples written down it's all outlined. on my iPad so what would you put on this. dirty money I'm an assets man sure so. for that I might put something that says. you are enough and then right here on. the sleeve it says I am enough so that. way when you look down you can always. remember that I I am enough but for you. sitting across from me I can remember.

that I am enough kind of thing so have. messages on the back for when you're. walking down the street people can read. them feel better about their day kind of. thing I like they they end up looking. really cool like really dope when she. when she does them and it's like they're. they're like done in that you know. designs like Supreme and like these. other brands that are just are just. research have you done on this in terms. of potential consumer interests in. competitors to this kind. space if there is demand for this and.

this isn't always the case but if. there's demand of this there is likely. something I mean when we go to the. markets like in Arizona like the open. air markets the the car shows and other. thing other events like that people who. are selling those types of clothes we. knew some folks that were doing that and. well they had to close up shop you know. I I feel like they were a l of people. misman thin and deciding hey let's sell. clothes well now let's also do candy and.

let's also you guys have over $100,000 a. bad debt yeah so what the are you. talking about they're running. thin oh I meant like the other companies. deciding to add on too much to the plate. yeah but you guys already have such a. hanging steaming pile of risk over your. head right and this also this sounds. more like a farmers market popup not a. business mean ideally with the online. stuff. yeah I have to start off in the popup.

area right I'm only going with my gu I. can't tell if I can't say if it would be. successful or not it sounds like it's I. just it's hard so good luck the thing is. like with the pop-up shops during the. summertime for Arizona is not big it's. too hot outside so majority of the. market is going to be in the fall spring. and winter area times I love of a. six-month window for all of our products. to be sold yeah that's where the online.

presentence would hopefully kind of. carry through a little bit of. that a lot of it is so far no I got it I. got it and your mom invested in this. essentially so you could make her. clothing for her stuff yes so that way. she didn't she was already paying like. you know the Vista prints the the other. people to print stuff onto t-shirts and. mugs and things like that so she got her. the supplies. do what was your degree graphic design.

okay I mean that. industry luck um I got my degree from a. school that closed down for fraud so. well did you get your student loans. forgiven I did she did like last month. so I ain't got no student loans that's. good was that in the pile um it it. should show that there's student loans. um but they're all paid off right now. okay did you tell our producer I think I. I think I mentioned it that these are a. thing thing but they should be gone soon. so I I imagined it was disregarded maybe.

uh you did not tell us that so that is. not on our financial plan just K kid but. uh it was like 17 and they asked you an. hour ago okay yeah that's true which is. okay I mean I'm glad it happened to you. guys it's hard for us to have a full. concrete picture of your situation if. people do not tell us the truth but. oh I thought I put a note next to there. my bad so we have this southwest card. that shirt business I just this is my.

dragon my beast and but and you're. focusing on Mental Health too so it's. just it's more positive affirmation. right mainly okay it's not like I mainly. had idea it's like yeah be a little. happier Type n Health not like mental. health disorders okay well and the the. like letting everyone you know you had. the one that talked about the hotline to. call if you're has a hotline on it if. anybody ever needs it you know you is. that what you want to wear well it has. it like on the back like on the back it. has that the 988 uh number and just so.

that way people are aware that they have. somebody that they can call I think she. finds it empowering and I think. wonderful get definitely other people. that feel that way well that's wonderful. I love that you feel good about it and I. like that it actually could be cool I. actually like the heart behind it I like. that I'm literally thinking about it. from an business economics perspective. right I mean I have had sales for sure I. have had people come through and buy my. hoodies and stuff like that.

but for me with all my financial debt. and everything like that it does yeah it. does kind of put a damper on it because. it's like well I can go ahead and start. making money in this but I don't have. money to sink into this to make it a. actual profitable business well not to. tangent too much off on that subject but. like she's she's like her best when she. is working creatively and that's the. tough part about her current job is. there is no well no that's great and I. love that for you again I'm not against. this as a concept in general I'm.

literally strictly thinking flat down no. emotions involved business right and. that's where I struggle with this as a. concept yeah but that's fair I would. love to be proved wrong maybe because. that would mean that would mean you're. successful and and I would love you to. be successful so I'm okay with being. proved wrong uh but you're also. considering doing that at the same time. of having the south west Rapid Rewards. card this is your card this is my card.

yeah it's your card and you literally. owe $. 4,491 on it which is. absolutely insane absolutely that's. crazy with a with $315 of Interest AC. crewing on a monthly basis and 33 cents. and a $460 minimum monthly payment now. we're at a $41 minim monthy payment $589. minimum monthly payment and $460 minimum. monthly payment they are stacking they. are stacking they are stacking how do. you have this and why is it basically at. its Max so especially if we've been on.

the same page and we really want to get. out of deck cuz we really want a home. because we really want to start a. business yeah it's only a couple hundred. from the max yeah. so with this card originally got it cuz. I was going on vacation out of the. country needed something to protect my. debit card so we got the credit card. okay I hated the credit card didn't want. it but got it anyway was advised I. needed it so push into a corner kind of. thing um after that it was only spending.

it on gas only doing at this and then. things started coming through where it. was like you know I can I can just wait. till I get paid and then you start. trusting yourself a little too far and. then you end up with that number when. you realize that you can't control it. cuz you aren't doing you're not putting. the things on there that are supposed to. be there to help build that but course. of how many years well oh God that's.

also the card that we did the balance. trans why is it it at the max why is it. at the max right now though we did a. balance transfer on here no no off of. there from onto a Discover card we did a. balance transfer I'm confused is this at. the. balance oh sorry it was a higher balance. or sorry you had a higher limit you had. a higher limit when we did the balance. transfer TR to get we had a higher limit. on the balance we did a balance transfer. split the 14 down the middle seven and. seven was on the cards because no. because it was it was higher it was like.

20 something at the time no listen no. you're not a credit card person no I use. a charge card like the Fizz card you. guys can't use any other cards you don't. know how to you really don't if this. $4,491.43 that is sitting there at 30%. interest if it instead followed over the. next 31 years until you could pull out. penalty free of a retirement account at.

59.5 it'd be sitting at about. $317,000 $317,000 but again instead it's. a sitting there it's a sitting there and. we're talking about uh taking time away. from where we could burn be earning real. income and investing in a business that. might not make money and we're talking. about getting a special vehicle so we. could go up north we're talking about. potentially getting a second home all. this kind of all these different things. all. these.

choices well we're just putting the. minimum monthly payment towards this a. card that is sitting towards its Max at. 30%. interest well we drain a. 401k yeah that was our choices are out. of control again if that is the life you. want to live live it no definitely live. it definitely I'll silently judge but. live. it okay or we could be adults. financially speaking life speaking.

partnership speaking we can actually sit. down and start working towards this. instead of going up north every 3. seconds of our life to connect with. trees I feel like we're really. downplaying how nice it is to get out of. the city and get away from people. downplaying I'm sure it's. great choose getting over people or this. balance which. one which one I mean choose the the. balance I want to get rid of this. balance is CRA then stop bringing up the.

how nice it is I don't give a sh I know. how nice it is to pay off debt I did it. it's great and guess what now I can. afford to go hug a tree whenever I want. to and you do you commune with nature. often does it does it feel nice I like. going on like nature trails nature. trails that I mean that's no that's cool. taking my dogs and letting them go for. swims sure isn't that awesome though. when when yes I wouldn't be going. getting a $30,000 C that went to the. value of $10,000 to do it like a dumb. that's.

fair Apple card whose Apple card this is. your Apple card that's my Apple card be. Joel what did you do here buds uh how. many trees did this cost the Apple. card that was one that we paid off when. we did a lot of like debt consolidation. and things like that and it got brought. back up because I uh committed to a a. trip to Thailand we committed to a trip. to Thailand a year out and it was this. last March yeah and so I put the flights.

on. that I put the flights on that why are. we going on trips. guys I want you guys to go on so many. trips you have no idea it just makes no. sense. now why why is Thailand more important I. don't understand I think we it was an. opportunity opportunity to rack the card. all the way back. up I mean we. we kind of looked at it as as we could. do this as our honeymoon and and after.

our actual wedding we could do something. like meet with Caleb Hammer instead of. going on a trip like so you'd want to. get yourself. financially first well I didn't think of. it like that at the time I thought you. know we'd have quite a few months to pay. it off and how's that going not very. well it's that minimum monthly payment. is pretty much all yes we're stacking it. with another $291 minimum monthly. payment with a balance of 4 , 79230.

yeah yeah that one definitely not proud. of cuz we again had it paid off we had. off a lot of cards that we had agreed. not to use and at some point some of. them started to get. used that one I yeah I was a little. guilty about cancelling on my friend too. for the trip cuz other friends had. already canceled and I was then he's. used to. it ouch that's tough. it's I mean I don't want my friends to. no I either do you understand just the.

impact this having on your lives guys. yeah plus we're still spending on it. friendships are important what is this. what is $685 a Hertz oh that was when. the jeep was giving me trouble I ended. up going through Uber's rental program. and so I would he was doing Uber for a. while. domains yeah that's my that's my domain. I was doing you have a domain I I do I. was doing uh IT consulting for a like.

three years before this and I stopped uh. just cuz I went down to one client and. then that client do we need to still be. paying for this probably not probably. not I I run a couple of I host a couple. of like projects off of it too but. what's Evo Services that's charging I. was I was renting EVS oh my you're I was. testing the viability of EVS over gas. cars. um I found out the infrastructure is.

really not that great right now unless. you're charging really fast at your. house with solar panels that's where. that's where the savings it works really. well if you use it as a daily commuter. yeah I mean I was doing that and ubering. with it yeah I don't know about the U. yeah that was probably too much as a. daily commuter it saved me money but but. not when you have to charge all the time. because you're running out of battery. Midway through the day. yeah oh that's just that was an. who has the Freedom Card the freedom to. get I think we both have one nope no.

that would be just you that's just me. all right what' you do cuz we're at. $3,841 123 are you done around with EVS. yeah no no I I thank I ran the numbers. and it was not it was not great. uh a month he had the Excel spreadsheet. to make sure that the numbers and the. numbers all right what's going on uh uh. so this one this one I think I've just. had a balance on it for a long time and.

we we started to we started to pay it. off when we when we Consolidated all the. other debts but then and that was like. the next card to get taken care of in. our snowball um but then we started to. add more balances to the other cards so. it kind of negated that almost. entirely and we also spent Grand most of. these cards I haven't purchased on in a. in months makes me a little nervous that. you guys still have access to them.

though because again last time you paid. them off they just went right back up. yeah yeah yeah I mean it it just ends up. being something that we we either need. to pay for or I mean obviously the. tieline trip we didn't need to pay for. but and when we don't have cash it's it. seems like the only other option and. then we the thought is that we'd pay it. back off when we get paid when we get. paid or not when we get paid but like. time after after we've and and it's not.

uh all these plans you guys have all. these plans we're good planners we're. really good planners yeah oh yeah you're. I'm you're great at making a plan and. you're absolute dog at executing them so. maybe take a realistic plan this time go. through the budgeting program you guys. get it cuz you're a guest on here go. through the in budgeting program the. investing program uh go through them we. put so much time and education and. resources into them take them together. take quizzes learn how to do it actually. stick to a real life proven plan and be.

disciplined on it cuz I think you guys. are also just not disciplined yeah I. would I don't think you guys know how to. stick to anything you probably started. for a day no no no we we had we had a. good thing going right we did we did. when we consolidated debt we had a. really good thing going until start. matters until somebody needed to buy a. car that was 30 years old and is that a. different car eight grand on it drove it.

back and it has been in a shop we. haven't seen that car since we can you. get rid of it can you sell it if you. sold all your bull little produ projects. today what could you get um. conservatively conservatively so I'm. just I'm just going to say cuz I've put. money into the car yeah I don't give a. what could you get right now for that. one at least no all your projects all. the projects. uh 15 conservatively I heard you guys. wanted to get dirty again dirty money is.

back and this time you're going to be a. lady in the streets and a freak in the. sheets and you know who you usually meet. in those sheets I'm personally into BBWs. budgeting bonds wealth and this sexy. merch is only available through the end. of this month and then it's going away. so to give you a little extra sweet. treat we're bringing back the classic. dirty money as well BDSM for index. funds Finance daddy if this isn't for.

you you can eat my assets because I am. myself an assets man go to Caleb. hammer.com dirty to check it out before. these designs go away at the end of this. month and as an extra special sweet. treat every order over $100 gets your. favorite asset signed and framed the. hammer dump truck six please do it I. don't give a sh it's a net loss in the. end play around with money when you have. some you don't take it pay off this card.

pay off another card this is dumb $35 in. interest another $157 57 interest uh. minim monthly payment then a balance of. $3,841 23 just continues what is this oh. is this like financed over time. something yeah so that was repair that. was repairs for the C that we were just. talking about oh what is it 22% interest. here what is this finan charge total. payments what is this what are we. getting uh approval approval for what.

amount finan. $739 for what what' you get was what. happened here that one plus prepaid. finance charge what is this Cross River. Bank what's this for cross river bank. cuz you don't even know what your own. that's for we have so much debt we don't. even know what it's for who it is look. at this and tell me what it is the. motorcycle oh is that what oh that does. sound right that does sound right we. don't even know yeah that's we're so. disorganized we're so not knowing what.

our financial picture is five or six we. don't we are so uneducated about our own. situation cuz we're literally just. putting our heads in the sand and just. going forward and trying to survive and. we're proud that we're making the. minimum monthly payments and that's all. we're doing instead of making any extra. progress that we don't even know what a. debt is oh that's 22% oh my you didn't. even know yes I didn't know that we I. didn't know that one and why are you do. you need a motorcycle cuz you're going. to have a job that requires you to have. a motorcycle huh yeah what's happening I.

I um I'm going to be a msf course. instructor or motorcycle safety uh. course instructor and and you need your. own bike for this yeah they require that. you ride like relatively uh I think at. least once a week and then they want you. to teach once a month so they just want. to make sure what are you going to make. from this um once I'm once I'm fully. trained up uh which is how long which is. is 3 weeks after 3 weeks from now I'll.

be I'll be trained up I will have taken. I will have uh essentially watched other. coaches coach for a week and and then. how much will you make F uh. $538 per weekend so two days so just a. weekend how many weekends uh you can. work I mean people have done six. weekends in a month but they suggest you. don't do more than. four weekends no like you can work. during the we weekday too you can do. classes on Thursday nights how much are. you going to be earning on a monthly.

basis from this close to like. $537 like just just what's if you does. it every two grand two grand if you did. it every weekend and that's worth having. or sorry if I did it every weekend uh it. would be closer to two grand yeah I. might force you to because you're at. 22.92% interest rate if this is your. justification for having the motorcycle. then you're going to need to put your. work into it buddy that's fair big guy I. mean yeah no more weekend trips up to. the tree land 22.92% interest rate of.

death well I I I forgot I I got to put. some context to that because when I got. into motorcycling I was never planning. on purchasing a new motorcycle I've only. purchased old motorcycles for sub. $4,000 um this was actually when Ellie. wanted to get into motorcycling we went. and I got her a motorcycle for three. grand it was awesome great bike she. dropped it immediately hurt herself and. I just felt really bad that at that. point and when I asked her I was hoping. you know in the back of my mind I was.

like maybe it's not for her but when I. asked her she's like I really want to. get back on the bike so I felt really. bad and I was like okay let's go get you. a new safe bike gives you the best. chance of staying safe on the road I was. really like your ease of going into that. I was ridiculous yeah I was blinded and. a little scared cuz I was like if she's. going to keep riding then she dropped it. again in love yeah then I dropped it. again so and she dropped it again so now. we're taking a break from motorcycling. for I'm not allowed anymore pretty much. how was this bike fine it's fine but you. need it now I would use cosmetic damage.

what's the minimum monthly payment on. this cuz it's not on here or $192 192. yep the dislexia got me I know you got. me too with it I was like I was we just. question for dislexia just have just. Rand numbers it is it's going to say. lisia but like really really important. letters like I forget what words you can. mix around that you know like truck that. make a bad word you could like that see. that's funny you would wear that. shirt we're doing market research you.

would you would wear that shirt right. what if it was like a dyslexia shirt. that accidentally said you know oh okay. yeah I think that'd be kind of funny. it's like oh sorry I'm dyslexic maybe. you're looking through some like glasses. or something yeah see brainstorming. going to make these businesses happen. your brain's dying that's that makes. sense this uh what's how much is left on. this one on this cuz it doesn't say this. is like your original financing approval. oh really I don't know the uh we're down. to well that's kind of interesting cuz I.

thought it was higher I think we're down. to seven we're down to seven I think. that's a recent copy cuz the original. Finance was Finance was. 7,390 yes oh wait your finance charge. over the course of the payment periods. because of the 22.92% interest would be. an additional. 5,000 Oh I thought I could have sworn. the the finance cost was 10 I thought it. was 10 I thought it was started at 10:00. we're down to 7:00 we've we've had is. there another debt in.

here well yeah I mean no no no I'm sure. that some of the uh okay yeah cuz. principal went to 8 it start cuz you had. an origination fee it started at 8 maybe. it went up after that because I it. started at 8 yeah okay so it's at 7,000. okay this is your where it's mostly you. and you tried to blame her out of the. gate. so yeah that's fair. if. we're looking at the numbers I mean yeah.

have a slate card haven't had that on. the show I think that was I think my. second credit card ever $. 5,647. 199 with another $194 minimum payment. these are stacking these are crazy these. are ridiculous no purchases but $137 of. Interest yeah again it's close to the. max of course because all your cards. that you conveniently don't use are all. basically at their. Max yeah but I don't I I don't give.

myself access to them anymore so I. wouldn't and I don't part of me wants. you guys to close them or something I. just I don't know doesn't that that. affects your credit doesn't it does but. guys what happened last time you paid. off all your debt you built it all the. way back are we just going to be doing. the endless cycle until we're like dead. like I don't know I'm just I'm. scared yeah I'm scared just based on. your actions and lack of discipline and. your ability to manage finances in any. way.

whatsoever sorry that my voice is harsh. by the way I was sick at the beginning. of this week I am not I'm back was wait. a second no I was um vomiting out of. both holes oh and oh no it was did you. eat some deli meat there's apparently. something going around uh Bor head don't. don't don't eat B's head deli. meat no watch Deadpool went home died. but I feel good now this is my voice. probably because of the movie the movie. was amazing no we went and saw the first.

Deadpool in the movie hey they probably. was some triple feature somewhere right. some some some people spent the entire. day of the theater we did get to see the. new one on our wedding day so that was. fun that was cool oh that's cool went in. our wedding dress and suit yeah another. PayPal credit and it's yours again. yeah okay so you have two my gosh I. think one's a card and one's like their. credit thing where you can put it on and. pay overtime kind of thing it's crazy.

cuz every time we record a post show for. these it's an extra 20-minute. conversation and attached to this. usually driving into some more of the. drama where this is more finances that's. more drama but this is already such a. long episode and then we're going to. have an extra 20 minutes so much talking. today. yeah I have a lot of little. cards not little buddy we've only been. over two that are little and the fact. that you haven't paid them off is a joke. honestly like I'd be embarrassed $226 24.

with a $30 minimum monthly payment okay. no new charges good good good good good. good good. good 29% interest rate nothing good. interest rate in here no well no car car. the car is all right I don't know if. it's good but it's not a bad interest. rate upstart so what are we doing here. that's right uh that one is kind of what. got me started on or. or yeah what kind of got me started on. the buying used cars and trying to sell.

them that was like my initial purchase. of a car and then I've just been. flipping them and getting the next one. but not paying off the. initial the initial uh startup cost I. suppose so I've just been paying. minimums on that since what's the. interest or fees baked in um I I know. there was an origination fee um when I. initially took it out oh it's a 20% it's. not good it's not guys it's not are you. capable of taking out just like loans.

that are not 20% besides that one car. this is insane 20% or higher you're. addicted to it you're addicted to it. injecting 20% into your. veins I feel I feel like I I those I. don't remember exactly when that one was. that was must have been long time ago. you ow $. 4,264 and it's a $27 minimum payment. yeah it was originally eight I imagine M. so i' I've got good about not opening. the new credit but now I just need I. don't think that's going to I mean.

that's a step again the things that you. guys are proud about are literally the. basic minimums yeah yeah which I mean. yes woo congratulations but surviving. every time you pay off that you build it. back up and you you you are not. sacrificing to get out of debt in any. way you're choosing these vacations and. bull we haven't even gotten into your. spending yet oh dear yeah I mean. oh there's that Sally.

May yeah she's nasty yeah it ranges from. 14% to 17.5% this is real really bad. student loans honestly I didn't even. realize that they were variable like. that I thought it was the rate that they. showed me at the beginning. 38,000. 946 yeah minimum Mony payment oh my gosh. these back so much this is going to be. insane part of your budget $179 28 those. those I'm uh called them and I had to.

get back to them cuz I didn't have all. the information but I'm supposed to be. able to get on like a graduated plan or. something like that where it's smaller. payments up front and then they ramp up. toward the end which I know is terrible. idea that's a horrible idea you're like. you're almost ballooning it in a way I. mean you're just putting like if you. don't fix your situation by then you're. so right right there's so much risk. involved in that it can help you right. now but it could be it could you just in. the time that it takes me to get like.

hopefully a software engineering. position which is going to somewhere. come close to like 40 like 40% or up or. higher my income yeah and I'm rooting. for it man I hope that job market uh. starts recovering a little bit more um. yeah don't like the data we got in the. in the job market they just they just. want a lot of experience right now is. the problem and there's a lot of really. good Engineers looking for jobs you're. going to have to out there and you're. going to have to uh what are they called. that you can that you do I'm blinking on.

the. word never mind but yeah I mean I I've. I've worked with a couple of like or. talked to a couple of friends that are. running cohorts out in like New York and. San Diego that can help me essentially. work for free but get my names on some. of these projects and some things. that'll make me stand out against like a. really tough Market cuz everyone with. entrylevel projects doesn't look really. good good against everyone else with. real world experience I'm always happy. to also it's not software engineering.

but I'm if there's ever a desire from. any of you or some of you guys know I'm. able to gift one uh course career. certification which are always good and. they're even coming out with sums for. the trades for like plumbing and stuff. like that pretty soon which is really. cool so I'm I'm always throwing that. available I want to give you every. resource possible we appreciate it now. this no I I always strugg to say those. are the student loans that our gracious. leader took for me so I don't owe those.

you're sure are they what what's the the. yeah what's the balance I think they're. mine $60,000 yeah no those are mine just. kidding those are mine so we actually. don't have yours so what confused me at. the beginning is I thought maybe these. were yours and we wouldn't have to look. at them anymore you have an additional. $60,000 in student loan debt how many. years were you at school uh I switched. Majors twice and I was yeah I was I was. going to school from yeah I did it did. probably the worst I I might have topped. you I I think I did it the worst way. that you possibly could have done um I.

went to a private school to be a teacher. which is a vocation that well it's cool. that people do it doesn't pay very well. um well yeah for the private school. tuition yeah so that was then I did two. semesters of that or no three semesters. of that and it was like 40. grand um just just for those three. semesters and then went back to ASU for. business dropped out cuz I hated. business. started working at the Apple Store the. Apple retail store actually and found my.

love for like technology and coding and. that's what I went back to school for. all right but I was starting at zero. basically after having accured all that. debt Okie does yeah well $660,000 30 $. 60,3 28 $925 minim monthly payment are. you on like an income based thing yeah. with you guys jointly file I'm Ser I'm. curious to see how they reassess uh all. these are basically 5% or less I would. me a monthly payment until these are. paid off the N Net ones yeah okay but.

not Sally Sally's well I might get on a. traditional payment method because. you're not going into public service or. anything no in the income base. essentially what you're just going to be. doing there though there would be a. chance of forgiveness you know in the. future necessarily a lot of that's going. to depend on Administration. Administration courts things like that. everything student loans are so in flux. that you lowering your minimum monthly. payment which now okay it might make. sense because your other ones are. absolutely insane what you're doing is. allowing that interest AC crew even more. and more and more and more I would want. you to be on a 10-year once it makes. sense once we're out of the other debt a.

10-year payment plan the traditional. payment plan so you can just get out of. it but not in like a too fast way but. not in a too slow way either gotcha why. would you want not want to go as fast. because you guys taking out of your 401k. this is a 5% S&P 500 average 8% United. States stock market 8 uh 8% S&P 10% you. know I want to start catching up on our. investing. and this would take 10 years to pay off. and it would be done it's not. dramatically hurting you at that point.

$60,000 is a lot for your income. situation now hopefully if we can land. you six figures in the future and I. think you can work up to that you might. have to take a lower level position than. you'd want the lower level just to start. gaining some resume experience yeah and. I'm looking at that with my current. company because I'm trying to stay with. them but they they do have an internship. program which it would be an orthodox. might be what you have to do though. start getting in there it's just the. unique situation of the current market. um yeah 60,000 I mean it is hard to let. 60,000 sit if it was 40,000 I'd be more.

comfortable that's just going to. compound like that's going to be is but. on the traditional 10year plan is just. like again I would rather invest we'll. talk about it I that's the choice you. end up making oh my why do you owe. $8,000 to your parents I didn't even see. this originally I think they just smuck. this in before I came in uh to my. brother to your brother you owe $8,000. yeah I'm going to tell you 1 2 3 4 5 6 7. 8 9 10 11 now 12 insanely.

dumb what is. happening so this one here is because we. needed to get into a. place needed the money cuz maybe don't. get Stupid Car Projects. instead sorry go ahead that's F yeah um. needed the money to get into it cuz we. didn't have enough for the down payment. we got theone money borrowed to us about. a month into us living mean like. security deposit first month yeah kind.

of thing but this was after we had. already put down a a first and last. months and a security deposit on another. place okay we moved to said place and. started getting harassed and tires. slashed like it was grass like a like a. note glued to my windshield with epoxy I. knew who who it was it was a neighbor uh. I I don't want to get too into it but I. confronted them and they it didn't like. I would have confed them I would have. gone to the police I did actually I did. I did I filed a report and nothing.

happened I sent in all the documentation. how often did you follow up I would have. called the police we yeah I called the. court first of all they don't even let. you I mean sorry Fenix PD but you guys. need to get your together but they send. you through a system you don't get to. talk to anybody and when you call back. you're just getting like an automated. message telling you yep nothing new with. your case and so I got tired of getting. harassed by these people what about like. I it's not that I would want you to. because I don't want you to abuse it but. like it's like you know a live situation.

if they're live then it's like 911. someone is at my car with a knife yeah. so we did have the lady did come up to. my window and was banging on it and. threatening me and that's when he went. over oh I should give context yeah I. mean she she was trying to pull into the. driveway she had a modified car so I'm. not the only one with the car love she. had a modified car with a pretty loud. exhaust and as she was trying to back. into this very narrow uh driveway the. lady came up to her window and started.

banging on it and yelling at her I. overheard this from inside ran out and. saw her walking back to her house and I. immediately confronted them I was like. this is absurd you're not you're not. going to walk up to her her window and. do that like why was she harassing you. guys you want do you want to know the. real reason yeah our vehicles are too. loud no it was it was worse that would. annoy me too but it was way worse we. parked in their spot oh yeah we were not. given any information on where we were. allowed we were told I told them.

explicitly I have three cars I have one. that can fit in that garage can I park. my vehicles here the the person who. rented us the place was like absolutely. it took us a while to get our wait was. this like a house it was a town home. type situation so the where they lived. they weren't no not the same landlord no. it was the same landlord we were in the. same like complex each other landlord. doing anything so apparently this couple. has been causing so many issues in that. neighborhood that the landlord caters to. them quite literally is what we were.

told they the spot that they were. claiming was theirs is not an assigned. parking spot it is a free-for-all. parking spot but they made it for them. they made it for them and they told. nobody else and when presumably because. they do things to people when they park. there like absolute Savages I was like. like are we in real times like people do. this to each other why why did the. landlord not let you get out of your. security deposit so she did it took a. while then you would have put it back to. your brother why is the balance to your. brother.

8,000 because we then needed it to get. into another place no I I get it but you. would have you said you got your. security deposit back in your first. month around right there was a point. have gone back to the brother so why the. is the balance to the brother $8,000. there was a point where we were trying. to give him I think six or something. like that and he said he wanted it all. he said he said he said are you. completely out of yeah well he said that. and he's like do you guys still have. credit cards and stuff and he's like. okay he's like he was yeah he was so no. minimum to him no no he said he didn't.

want us to do the minimum he said when. you got it send it to me so it's going. to be a long time till you guys got it. yeah yeah I mean ideally I that's one of. the ones I checking accounts yet this. one that you're going to look at right. now is a combin so it's our first. attempt yes this is our first attempt to. Harbor Freight. $232 yeah fries food. 3,970 Mone order that. was for the wedding venue and we ended. up not the price of the oh we got so we.

got it back we got it back so you should. see a nice little deposit in there. you'll be happy to know that the reason. we're married right now is cuz we. decided to a because $144,000 to pay for. a wedding yeah was not ideal uh going. inside getting some bull probably. and PayPal transfer, 1600 that's how we. pay rent that's rent okay 18 with draw. 103 who knows where that went ATM with. draw 363 who knows where that went 363.

oh yeah is it the which ones the ATM. withraw um. 363. those we looked at the we looked at it. the other day and we finally figured out. what it. was um you guys not know that such a. substantial amount of money I lost $10 I. would at least know that yeah it was I. can't I think I want to say it was for a. car oh it was it was for a bike repair. and the guy cut me a deal and wanted.

cash as a result stupid Vehicles. y yeah I think you need to make a. vehicle mental health disorder for this. guy's shirt do they make those she does. oh right right the the shirt the shirt. sorry I meant I meant the disorder I was. like she just big like choo choo train. on a shirt for. you like me with like a binky on the. choo choo train yeah no we do that in. the thumbnails epic there's actually a.

famous photo of me when I was younger I. fell asleep on one of those toy trains. uh that I got for Christmas my parents. found me the next morning still rolling. around oh that's cute I was an adorable. kid you know yeah what's not adorable is. ending this checking account statement. which is yours with negative $39 it's. not very. adorbs at all less than adorbs uh yeah. that one so the way we the way we had it. structured with the bank account is we. were going to put all of our bills into.

that Navy Federal bank account and have. all of them auto debit out of there and. then the savings would be an actual like. together savings and how's that going. cuz we're negative in a checking account. cuz we I still have my credit cards I. still have my credit cards pull from. minimum. monthly okay all of you're saying is. that justify it being negative no I I. need to rework like how we do he needs. to stop making crazy purch this oh okay. so we went and got some. BS Spa.

BS yeah BS bull oh from the bull from. the bull TEAM Arizona $179 that's the um. motorcycle that's the motorcycle guys Al. so that was actually a class for her. when she had first took her spill on her. stop you're supposed to be teaching. classes soon so You' be able to do that. what are you doing you you got to that. and when I got the job opportunity you. got some BS some apple purchase another.

Apple purchase in phone we didn't got. some BS when didn't got some BS Cycle. Gear oh my cycle gear me uh potential. groceries or BS hard to tell Apple ATM. withraw $200 lots of ATM withraw Black. Rock Coffee those are again we're doing. this while we have negative in our. checking account great that's wonderful. thrilling Amazon went in got some. you stop at stores all the time. and get $3 purchases $3 purchases $3. purchases oh you don't even know you're. stopping at fries and you're getting a. $3 purchase you're stopping at Whole. Foods getting a $3.

purchase and you don't even know and you. do it almost every day what a joke. that's stupid yes I can't even remember. the last time I was to at Whole Foods to. be honest 365 Market is that your job on. the sixth a month ago 365 Market is that. your job oh sorry that's that's the. little market that we have 36 uh I I. know I know exactly cuz I I read it on. there and I think same thing that's like. our little vending machine at work. that's that I do do off I well stop so. basically the same thing and Amazon.

wining got some bull Circle K when uh uh. you did it again $4 Circle K you don't. even know what you get ever that's great. and apple bill in at purchases Amazon. Amazon. smokeland uh we do partake in marijas. you want to partake in paying off debt. apparently not yeah yeah apparently not. no instead you're participating in. you're partaking in a negative checking. account yeah uh yeah that's worth it.

great there's a vending machine some. probably another vending machine Amazon. ATM withraw $200 $1 those are those are. that's my crippling addiction to. Facebook Marketplace I see a deal under. $200 and I just uh stop buddy you made. your minimums on your Debs that's it. yeah Facebook Market Place put the $200. towards it I should really delete that. it's a joke it's a joke I've tried to. get him to stop buying things on. Facebook Marketplace but I'm a good. convincer I end up convincing her that I.

need said thing more often you don't and. honestly I have no effort to convince. you at this point this far into the. conversation it's just stupid it's just. objectively stupid it is you have so. much debt you have so many goals you're. not getting to them you're now in a. marriage situation both of your futures. are tied together financially speaking. as well and you're putting Facebook. Marketplace over each other that's an. immature child behavior stop doing it. that's dumb. as Zing out $250 probably another. Facebook Marketplace selling out $220. probably another Facebook Marketplace. also stupid immature Behavior Apple Bill.

wonderful selling out $40 great okay. 401K uh $9,000 who's this and does it. still. exist uh these were all these were all. current and we both have Empower. accounts so that's good $9,000 there. someone used to work for you hul $24,000. there that's that's good happy to see. that so retirement you. guys actually. my retirement count is very fluffy so. you're the good one with retirement okay. 177,000 in Fidelity who's this me okay.

so you're the one that's been on track. of this you're the one. that this one's also you 18800 good one. of them should be me I thought I uh well. yeah it was just a small balance and. then you withdrew one as well right. that's then. $111,000 again this one's. you. wonderful those are probably you trade. $98 nothing yeah Fidelity 6,000 or. $9,000 uh 401k and this is you okay.

there you go. so Fidelity also you 2,000 hours. individual brokerage maybe no Ira roll. over yeah roll over from 401k. mhm okay well that's actually the one. that not bad as I feared did you mention. something of a 41k loan though yes we. did yeah that's that's that's what we. were talking about oh so you didn't take. no we didn't take sorry we didn't. withdraw and when you were talking about. the penalties I I wasn't I I was pretty. sure that when I did the research that.

doing a loan I was essentially just. paying myself back with interest but um. yeah we didn't we didn't take it out. sorry we probably misled you on I wasn't. willing to yeah I wasn't willing to it. out but it's paying it back to his 401k. yeah honestly I didn't even realize that. you could take uh money out of your 401k. that's probably a good thing um scared. that I told you now no no no no it's. it's it's never been a thing that I. thought was a good idea but when I was.

told that you could take a loan out. against it guys your minimum payments. are. $2,834 35 yeah wait okay now what do you. owe on the 401K cuz now I got to include. that oh right uh that minimum monthly is. no what's your o owed balance. we I don't know I'd have verify I'd have. to look it up that I don't know we're an. hour and a half into this how do you not. know this uh what's your minimum payment. the minimum least is.

169 and I assume that gets taken out. before your pay hits yep okay so we. don't have to include that in the this. minimum right right now if you guys use. my Mumu Link in the description below. you can literally get 8% on your money. that's sitting in there for 3 months. it's absolutely incredible plus you'll. get 15 free stocks just for signing up. with my link this is literally free. money so make sure you're taking. advantage of it now there is no reason. not to sign up now Link in the. description below oh.

me guys absolute. Insanity yeah we have. a unhealthy relationship with that yeah. and the only thing that's honestly going. to fix it is literally simply disciplin. in communication well okay those things. are not simple themselves the idea of. what you guys have to do is simple. concept but going into it that's where. it becomes a little more difficult you. guys need to sit down on a monthly basis. look over your last month last month.

spending and how it is associated the. budget you guys created going through. the budgeting program um. and fix it every month to see what you. need to cut back on what do you need to. adjust in your overall budget and then. what are your goals what does it take to. get there what do we need to get there. and what sacrifices do we need to take. as well and then just discipline to make. sure you're holding each other. accountable no more Facebook Market no. more whatever the you do bobbleheads or. whatever just no more it's holding each. other accountable not getting angry at.

each other but holding each other. accountable and getting to the goal. together and wanting to achieve it right. together. um. okay dang I really thought we were going. to ,000 $354 a bad debt nothing's an. asset well the cares kind of but barely. mhm they're not as liquid as I thought. uh no they're very.

solid. income is this right only $. 5,443 yeah yeah yeah 5,443 yeah okay. great so half that's already going to. minimum monthy payments right on our bad. debt nothing that's going up in value oh. okay yeah cuz I I feel like we have. curbed some of the spending house but it. at this point we're just the spending. was honestly compared to a lot of people.

sure it wasn't ridiculous but for your. situation we more than more than half of. your minimum more than half of your. income's going to your minimum wealthy. payments your spending was atrocious. right considering that it should Net. Zero what's your rent, 160000. utilities uh utilities. are internet are you en counting. internet because sure okay cool that's. 250 okay gas for both of you together.

she works from home so you still. probably fill up a little though I I. have a long commute I have a 60 60 G. across theard uh is going to. be 100 almost on the dot for both of you. together cuz I she doesn't I don't drive. at all pretty small okay car insurance. is and everything uh. 160 that one's 167 with triple A yes. just one uh for yeah that's for both of. us on on two cars and the cycle oh the. cycle is is uh through Progressive and.

that one is $45 cuz we only have so. total 22 Yeah. okay guys uh TP fun anything else you. guys need is 550 bucks you can do. 500 $550 meal prepping don't go out to. eat we do meal prep and we spend more. than that yeah you're doing it wrong. stop I. we have we have so what we have a uh uh. in the budgeting program we have a meal.

prepping thing that follows you know. $250 budget actually for a single person. uh which we Round Up to 300 by upgrading. some things we get our we get our meal. planning from our trainer that we pay. $200 a month for that was one of those. zilling yeah yeah which you guys do not. do anymore okay I want you to do it I. really I put gyms and stuff in like I. I'm Pro that it's probably the only. reason we're here taking care of this. right now is that we started to take. care of the health and that that's good. 65% of your we'll see if we can put it.

in okay I'm going to do 550 now for. groceries and we'll see if we can fit. that in let's at least put in $40 for gy. how much is gy JY is $40 for me $10 for. her 50 for gy okay 50 for gy any co-pays. and like that on a monthly basis medical. um we don't pay not for your medication. it's all free right pets my medication. is free I do pay for appointments oh. right which is how often um every 2 to 3. weeks I meet with a therapist uh 22 each.

so like 44 bucks a month okay for a. therapist perfect phone bills phone. bills. 18 do we ow on our phones we do we did. yeah did or do we do now we we had them. paid off and then we got phones through. Verizon and do Best Buy man I would do. something cheaper like helium 20 bucks a. month per line just makes sense when. you're out of debt but or when you're. trying to get out of debt but whatever. okay anything else I need to put in here.

that's not included um no pets no pets. we have a pet yes oh yeah sorry we have. a pet we just don't do you pay for. insurance for no we don't pay for. insurance what's your pet a lizard a. blue tongue skink okay how much a month. to keep it alive um sheats once a week. so four time it's it's like 10 15 yeah. we buy her food every other month if. that for pack plus 20 for okay it's a. thing they. eat whatever you know what else is a.

thing guys I mean you're under by. $500 yeah so. $5,997 35 so no we can't afford $200. trainer no we can't afford a more. expensive diet and our diet was a. healthy following just standard caloric. needs diet without junk food and stuff. that we put in the thing we'll gave you. we'll give you so it's not how I want to. start a. marriage no. starting from the Rock Bottom making it. all the way oh you're below the rock. below the rock like.

Patrick but no it's I we're just in a. position where it's like this is such a. climb that miny payment so high that. this is one of those situations where. bankruptcy might be. easier really and I hate that because. it's going to be really stressful to go. through it's also expensive to go. through you have to come up with some. cash uh legal fees and lawyers all good. stuff and you're going to be fighting. for certain things and you can figure. out your car situation you know you.

don't have to include that in it your. student loans won't go. anywhere but it would improve the. situation because right now really the. only thing you can do this is cutting. back to zero you're already under $500. the only thing you can do is literally. you have to go bring in an extra $1,500. a month together easy easy I mean you. easy why aren't you doing it yeah and. you're right cuz we did it and it was. hard and that's why we're not doing it. anymore but there was a point where. we're both working uh multiple if you do.

that um I don't know if you know but we. have a roommate that pays 600 a month oh. oh I didn't know that so you guys are. positive okay well that. helps we'll see this would be he's he's. lived with us for a bit and this would. be the first. uh time that that's. happened so so he's never paid rent he. has been paid rent a little bit here and.

there I just don't like counting on it I. suppose is the way I I no put it we we. just did our agreement where he's going. to be paying 600 a month and he said he. can do it comfortably so that's I'm not. suggesting bankruptcy and I'm not going. to um I'll be honest I didn't know that. that's how the conversation would was. going to be ending dude. $187,300 a bad debt if if your roommate. doesn't pay debt you're under $500. you're you're are you both make I mean. you guys make over six figures together.

yes you can go work and you can start. paying this off but if we bring in an. extra $1,500 a month and he doesn't pay. rent this. takes 187 months to pay off oh jeez. bring in an extra $1,500 after taxes or. 15. years so that's where I'm just. like that's a long time there's a. certain point where it makes sense I'm. not saying it makes sense I'm not saying. it makes. sense cred for like a decade right.

decades quicker than 15 years. now when you but in and the thing is is. if you could if I if we were in that. really strong Tech market right now and. you could just go land $150,000 job. right now and be like oh yeah grind this. out you can do it but I think you're. going to be working your way up through. lower paid jobs through internships. getting that experience I think it's. going to be a while until you're going. to be making your income for a while and. then it's going to be a while before you. make like um My Hope was that if we.

could get like a bare minimum zero plan. to keep the going until I can land one. of those jobs you can do that if he pays. his rent if he pays his rent and you. guys literally don't spend a single. scent on anything outside of the budget. I gave you which is very difficult yeah. very difficult to maintain that that's. an un um especially because I thought my. spending was so much better than it. called my budget um. caveman budget no uh I forgot the term. but it's I it is hard prison budget yes.

it basically is it really is and it's. not meant to be sustainable it's not. it's get your get yourself out of this. in a temporary situation but your. temporary situation cutting back to zero. and bringing an EXT $1,500 hour a month. after. taxes your shortest situation is 15. years yeah it's obviously too long but I. mean I'm still so I still don't think. bankruptcy makes sense because I have. the upside again I don't NE I don't want. you to go through bankruptcy I'm just. trying to think it's just.

like there's a percentage in my mind if. I was right over there where I might do. it a percentage right not a majority. percentage not even a quarter percentage. but there is a possibility where talking. talking to. someone in the bankruptsy space might be. ideal well not maybe not ideal but worth. the conver ation okay gosh I feel like I. feel like anybody I try to talk to that. works with bankruptcies is just going to.

try to convince me to yeah so I mean the. way I would go about it is just gather. the information you can from them take. in account that they're they might be. selling you and just weigh that versus. the work that you're going to put in you. can work to pay this. off bankruptcy or this bankruptcy or. this you guys aren't getting in house. for 20. years that sucks what the does but 50. getting a. house no not even 50 it's called you. could maybe do it by 45 45 getting a.

house that's not bad that's not bad at. all yeah I mean you guys have th. yourself in your home I'm glad you at. least have some retirement that's going. to be sitting. there you guys are only contributing to. your matches right yes yep we we fixed. that so that we weren't over. contributing to anything that was free. money yeah um we did bring our cont. contributions down because we did know. that we couldn't be putting 10% into it. don't I think we might have brought hers.

all the way down cuz I don't think her. company even matches no mine's at 3%. it's at 3% okay but I don't think your. company matches cuz they. suck will not be named but it's more so. the education space that she needs to. get out of because it's I want a second. opinion on this this is all very live we. do that we do that cuz this is one it is. a show it is a show but two I also want. that is for you guys to get Finance help. so we like to combine those two here I. want to get a second opinion are you. guys willing to sit down for an hour.

with our financial coach yeah absolutely. okay so let me get you guys to get with. our financial coach Reed guys you guys. can sit down with him as well go to. Caleb hr.com um he's great he's CPA he's. focused more on taxes but he's very well. studying on pretty much everything. finances he's getting a CPA uh he's is. uh he's going to be uh. CFA and all that stuff but yeah cuz I. want a second opinion on this cuz again. I don't want you to go through. bankruptsy it's really stressful it's.

really expensive I know people that have. done that and have been in a better. place because of it really oh yeah yeah. yeah actually uh I mean is it this is it. worse than this or about this bad it it. really depends it's going to be very. situational it's going to depend on the. strain of the relationship if you guys. are okay with your credit being in the. tank for like 10 years I mean I'm sure. your credit's not good so we actually. had a former guest on the show. unfortunately their episode was never. uploaded because their episode was. actually lost there was an episode where. at when we recorded at my house where. there were two episodes that day we lost.

both episodes and uh she's a guess but. you know been in contact via email and. everything like that and she chose to go. through bankruptcy I didn't tell her to. I didn't even suggest to but she chose. to and it actually ended up working very. well for her and she's in a better place. for now she could have worked to get out. of it she had an easier path to get out. of for few she she honestly went the. lazier route for it but it has worked. for her gotcha I mean I don't know you. guys earn almost $200,000 a really bad. debt and with the way you guys are.

living life and the fact that you build. all your debts up again I wouldn't trust. your guys self with access to credit and. stuff would it be would it make sense to. consolidate the debt and pay not for you. cuz you guys built them all the way back. up again cuz we tried that it wouldn't. yes yes if you guys are disciplined. you're not if you can prove your. discipline for a. while maybe. okay and then maybe close the other. account so you can't have access to them. right you need to have access to. consolidation you guys have so much debt.

now is at some point the only debt you. guys will ever be approved for is going. to be the worst of the worst I don't. know if you're there yet but I wouldn't. be surprised if you're getting there. yeah it's it's pretty bad all right. household Hammer Financial score. spending it a budget I mean you're over. so well actually let me see terms of. income went in versus. spending I'll tell you guys. how much you guys think you spent we. already knew that income was. 5,443 yeah how much was spent I think I.

think we're at. [Music]. 5,000 400 taking into account the money. order that was returned it was about. 7,000 so you are overspending your. budgets a z out of 10 debt I mean you're. lucky you don't 41k it's a one out of 10. it's basically as low as you can get. without having IRS debt or ctions. emergency fund nothing and savings zero. out of 10 retirement though this will be. the one thing that is going for you guys.

and for your ages I'm actually quite. happy combined um between a six or a. seven I'll be nice and give a seven. thank you cuz you guys are at least. Pleasant people real estate Z out of. 10 Hammer Financial score rounded up two. out of 10 make sure to check out all the. links in the description below as they. are the resources that I use or would. use in specific situation including the. best budgeting and investing programs in. the history of the internet which are. now bundled together at a lower price. now make sure to join the membership.

here and join us for the Post show today. on the financial audit post show I I'll. give you guys a gift in the post show. for people that purchase our new dirty. money over $100 they get this included. but you know it's a framed picture in my. oh my God I love it oh wow wow yeah the. dump truck the hammer truck oh I was. just going to say hammer bottom ever. watched a lady pull razors out of her. with a string what about have a clear. liquid go in and a not clear liquid come.

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