Wannabe Hipster Knocks Up Literal Clown | Financial Audit

you told me you guys have enough money. in your checking account to pay your. bills so that's why you don't tell her. then we had a late payment does Grandma. know that we're spending so much yeah no. on you [ __ ] how the can you get a. Mountain Dew every day if you're. borrowing money from Grandma was it. borrow or a gift it well she she'll. never ask for it back she's a she's an. older Southern woman it's like the kid. doesn't matter it's like your grandma. doesn't matter it's like the life. doesn't matter it's like our future. doesn't. matter hi I'm Rachel I'm 21 I'm Dylan. I'm 2 three we're based out of Phoenix.

and this. is welcome down awesome thanks for. coming guys and what do we do for a. living right now I guess we'll start. with you I a stay-at home Mom oh very oh. oh wow okay so we have a kid or young. couple kid how old is this kid one kid. sing six. months just very cool wow was this. planned or was this oopss we knew there.

was a. risk it was the find out method yeah. that would have risk yeah um yeah we. knew it might happen so like you guys. just didn't care it I forgot okay no you. you forgot that you weren't wearing. a. that's listen Caleb um we went to public. school. so we were like if it happens it happens. me at the time we interesting Family.

Planning. strategy they've been doing that for. hundreds of years when were you guys. married we're not you oh yeah we're. engaged yes oh okay when did you guys. get engaged the September 22 yes the. baby was already like 3 months wow I was. already 3 months did that kind of push. us over the edge to get engaged in yeah. I think so all right completely. different answers from. both I always thought she was the one so. I was just kind of pushing it along I. wanted to prove that I meant to stay.

here so I just knew I was pregnant and. went on a vacation and then we were. engaged all right cool so and then what. do you do Dylan what do you do for. living I'm a. dishwasher okay and there's nothing. wrong with that but I'm immediately. curious how we're paying the bills as. that being the only income right now. it's new so previously I was working on. automotive shop oh okay previously when.

a couple weeks ago yeah okay this is. very new what were you making at that um. so but so the pay plans are strange. um my last check was about 850 bucks I. was bringing that about every week um. before that I was making a whole lot. more about 1,600 bucks a week yeah when. last year all well month I got forced. into a demotion why so the management.

team at that place is very toxic and. very totalitarian they're very mean. totalitarian okay. um and uh any I got pretty sick of it I. was I was mostly ignorant to a lot of. the stuff they were doing um so anytime. they would start violating our workers. rights or just kind of being rude for no. reason or expecting too much without. compensation what workers rights did. they violate like no lunch breaks no. breaks um they make you yeah sign fake. legal documents um.

yeah no they weren't they were basically. like you're going to do this and this. and this and if you don't we're going to. give you the boot but it wasn't any form. of work thing like a printer paper with. pen and they're like you can't pick your. kids up you can't leave to get your kids. yeah there was there was actually a. worker there that he had a signed court. order to go pick up his kids at 5: and. he said like Oh no you're going to work. till 6 and if you don't you can leave. and he's like no I have a court order I. can do both try to not hit the table but. I mean I get it I I haven't let my. employees leave in 6 months make them.

live here cuz I own them that's what the. bathroom is yeah it is that's so it's. the shackles are for Noah sleeps in that. corner right there is that his PE Bucket. over there too uh no he doesn't let them. go to the bathroom hold it he's here to. save money that costs Plumbing. absolutely so now obviously that doesn't. that doesn't sound like a great work. environment so no they got to the point. where he was reporting to HR and yeah. and they just kept rali fire type Vibes. yeah so what was how did the demotion. look So eventually they're trying to get.

me to quit and I'm I don't I don't quit. um so there's a position in the shop. that's it's the worst position in the. shop um you're working in a basement. it's about 110 degrees in there and then. you're just running back and forth. changing oil in cars were the only one. kind of making now why was no one else. doing anything um they got fired so. there's only one pit Tech at a time why. were you not fired um they don't like to. fire. people they were they were doing the. quiet fire thing of like oh he's a. minute late write that down oh this that. down and then I wasn't given him any.

reason to give me that fire like I'm I'm. a good employee I did all my tests on. time they just didn't like the fact that. I was trying to hold them accountable to. like a a healthy work environment they. wanted to manage their way and they. didn't like that okay so they're just. trying to give me the boot so they threw. me the hole for probably three months. trying to get me to quit now you're a. dishwasher yeah we're we're getting to. that point we're getting to that point. um so it got to the point cuz the way my. Pace go the table sorry sorry sorry. where's the spray bottle yeah I will. spray you it's true it'll work I'll get.

it I'm armed and ready so the the way. the pay works is I was getting paid off. mechanical CU I. was that's so menacing locked and loaded. I like how you bought the black wood. from Target too it's tactical right it's. tactical that's what the grip is for so. originally I put it on like intense mode. this cuz I have to aim from across the. room I can't hit the. mics go on continue so uh so I was a. service manager so I was managing all.

the cars and service and that's how my. pay was based off of it was the I was. getting a a bonus off the total. Commission of the shop okay versus the. oil side gets paid off what they do over. there which in the whole it's just a. flat hour rate plus like extra couple. hundred bucks sure um so they couldn't. keep me on the mechanical rate if I. wasn't over there but they didn't have. any reason to take me off that pay rate. so they brought someone else new in and. put them on that pay plan and basically. told me like hey if you want to stay on. this pay plan you're going to have to. move a couple hours away to go to this. other shop and work there or you can put. on the uh basically lower pay plan and I.

was going to move sure I didn't want to. make the drive cuz I turned my 101 hour. days until 13 14 hour days and uh I. still needed money cuz I didn't have any. backup I didn't think they were going to. do that eventually I thought they going. to maybe pull me out a hole but uh so. we're just been kind of struggling with. that past couple months so you quit I. quit yeah okay now dishwasher you just. like the first open job you could get is. was that the idea I was planing for. everything yeah okay well now I actually. appreciate that I you know for what it's. worth I actually appreciate that because.

what a lot of people do is they find. themselves in like a laid-off position. on the show and yes if you're paying. into unemployment un insurance or. Insurance you know that that can help. you for a while and if you have an. emergency phone obviously that can help. you for a while but at some point some. people are pushed to the point where. they they are not willing to take jobs. that they look down on jobs that are a. little easier to secure in emergency. situations not that you know they want. to hire someone that's immediately going. to leave and but they're probably used. to being a higher turnover rate in that.

job so what are you making now uh 18 an. hour. okay okay it's not horrendous just for. washing dishes yeah it's actually a. little surprised um that it's like even. over 15 Texas are we allowed to say. brand names I don't care that's a it's. still like Texas Roadhouse so. they yeah the rolls the rolls yeah the. rolls simmer butter plus I can sell. myself an interview pretty well yeah.

yeah Z you've been doing this how many. weeks now I started the seventh okay. yeah how are we surviving um we're not. we used up the emergency fund you had. emergency fund we we did we had probably. about 2 and a half gr this is a. different conversation I like it usually. we don't have people well okay that's. not a fully margin F never mind it's. definitely not but you had something it. was enough to cover like one rent. payment like a car payment and then cuz. with the baby there's at least $200. every month in formula.

so I guess that makes. sense why we're having this conversation. and your opinion why are you guys here. it's just gotten to a point where I feel. like the financial literacy is almost. none and we can't have conversations. about it without it being like a fight. and then that just is so stressful on. top of not having money to do anything. like as a stay-at home mom being in a. house for 10 hours a day with a baby. yeah it adds stress and then the. finances have always kind of been like. i' like can we do this and he'd be like.

yes and then like a couple days later be. like oh we we couldn't do that and now. we're stressing and what an example I. need an example that like oh can we go. get food today or like can we go grocery. shopping today and groceries are at. least like 150 now for a week okay and. then he'd be like yeah we can cuz he I. mean obviously we need food but then. that wasn't the case and then by the end. of the week we're like stressing on how. we're going to pay for things um this. last two months I think we've asked his. family for help like two times really.

yeah his his grandma covered like a a. gap for a rent Grandma yes. yeah oh that that always hurts yeah. going to the grandparents who's probably. retired right yeah yeah Mimi is great. though what did you. borrow was it borrow or a gift it well. she she'll never ask for it back she's a. she's an older Southern woman she's. never going to was it like a no it. wasn't like loan it was like we're going.

to help you do this and then how much. 600 something okay so that was like a. stop Gap it helped make the the rent. rent and a little bit extra for. groceries so and then his mom why is. every conversation on money a fight. though I just think we have different. views on it okay tell me his. views well when it comes to like hobby. things like things he enjoys it has to. be like the best of the best like the. best coffee machine the best like tools.

for if he wants to go to the gym like. those things have to be luxuries but. then if I'm going to the grocery store. and I'm like hey can we get this bigger. pack of meat it's always like no that's. too much we can't do that so that kind. of just immediately makes say that I. would say is like can we get these. chocolate chips for the cookies I'm like. we we we can just have normal cookies. you don't need chocolate chips but do. you agree with her assessment on the. first thing yeah I do I do have an issue. so is it the chocolate chips that are. killing us or getting the expense of. coffee.

equipment coffee equipment and. probably every week like it's that kind. we're like because I almost feel like oh. well you got this so then I get to get. this for the house because you spent. that money and I feel why how what wait. well if we knew why why does there have. to be some like competition on spending. I don't know if it's a competition on. spending or if it's like a like. especially being a stay-at home Mom it's. like I don't get luxuries like he gets. go to the store for a Mountain Dew every.

day at work I don't get that have to go. to store Mountain Dew every day what. does that mean you mean like you stop. and get them Mountain Dew every day I. don't have to stop it's across the. street from my old work that's stupid. get get get a a pack from. Costco that's fair it's cheaper yeah no. [ __ ] what the what do you think I mean. the problem was I was spending them I. was getting them every day so I didn't. have money to buy them at Costco and. that's where it came in is like the the. smaller things daily of like oh we let's.

get this cuz it makes us feel better in. that moment turned how the can you get a. Mountain Dew every day if you're. borrowing money from. Grandma that's gross yeah that's gross. yeah what you're sming no I'm trying I'd. feel pretty nasty about that personally. feel nasty when you put it like that as. someone who has borrowed money from my. grandparents a long time ago when I was. in a bad spot and it was borrowed and I. ended up paying it back I'd feel gross. yeah.

and then what's her philosophy on money. Mimi's no oh hers yeah um said you guys. had different philosophies what is it. yeah usually anytime we talk about. finances no matter how like how good. we're feeling going into it I feel like. her anxiety just cranks up to 11 and. then immediately I just feel like I'm. being attacked on most of my purchases. or any of our purchases that we make. together so when we have conversations. about money it all of a sudden becomes a. well you spent on this well you spent on. this yeah that's a big fight well we. can't get that well we need this but. yeah mhm and then I think a lot of it.

too is because he took on like me being. a stay-at home mom and him having to pay. my bills adds a little more to that how. close do you guys live the family about. 30 minutes okay so the support could be. there could not be there it's a little. difficult it's not like we don't have. support but well yeah but I mean. honestly it's not like we haven't had. every tool to do this right you want to. be a stay home. mom ideally until the second kid was. here cuz then I could just we're playing. for a second kid and we literally well.

probably how are you guys what's your. rent right now uh 15 flat how the are. you is that with utilities though how. many hours are you working a week. originally 50 to. 55 okay pretty time but that was only. making they they required 50 hours to. make 800 bucks it was 18 plus a. commission you're making 800 every other. week so what you say every week every. week 850 to 900 bucks okay so you're. making rent but it's still very. expensive for you yeah how second kid in. a conversation then for that it doesn't.

really make sense especially if you had. a drain an emergency phone is that fair. to the kids I don't think so no they. don't have a choice to come into the. world or not right but they're cool well. I'm sure Still's a new. motorcycle like yeah I mean it's we're. not getting a motorcycle are we no no no. it's just oh so okay you're making an. example can I uh can I have the. Whiteboard I'm going to have you guys do. a little exercise okay okay I want you. guys to kind of. guess um I have the answers here but.

you're going. to thanks Noah of course I'm going to go. back to my as you should where you. belong that's why you get StraightLine. toilet paper in your bathroom C jeez. they're like it's like some weird do you. want relationship going on sorry I'm. just thinking about your guys's Dynamic. like when Noah comes out here for the. Post show are you guys just going to be. like flaming him yeah I don't know what. the is happening help open that that's a.

TST I you broke it good job hey Noah do. we have a new marker I know Caleb may. not budget that in you can't boss him. around got it just kidding Caleb fixed. the broken. marker I believe that with this curvy. line toilet. paper o okay so I need you guys to. discuss have a thing you're going to do. a bar next to each a bar next to each in. terms of how much was income how much.

was spending and then the number inside. that bar by the way your guys's message. on the coffee machine kind of passive. aggressive it's openly aggressive I'm. always openly aggressive yeah uh so. you're going to you're going to draw a. bar based on let's pretend that the uh. income was $5,000 draw a bar and then. write $5,000 and after to spending is. 2,500 it would be half the size I didn't. graduate high school thank you for that.

you're welcome little. consultation are we doing both do one or. just together yeah I want you guys to. decide together what do you guys think. where do you think things are going you. want numbers yeah number in there and. while they figure out what uh like a bar. chart is a bar graph uh feel free to. sign up if you want to be on the show. and you have an interesting situation. interesting finances and or if you have. an opinion you want to challenge. anything like that you can come be be on. the show at Caleb hammer.com apply you.

can also get your Hammer Financial score. for free Link in the description. below you can also get your merch on. Caleb hammer.com. it's shop. CB hammer.com I'm so sorry. how do you feel about that it's fine I. do think it's fine I I do think it's. yeah you're the money man vely is that. true it yeah so he runs the money okay. we'll talk about that in a second let's. figure out what you guys got okay so. here's what they think income in.

$3,200 and spending $3,000 is that 700. or 100 S okay so you already think you. spend you know 500 bucks more well. that's yeah at least the 600 why why are. we spending $500 more if that's what we. think we're. doing like why are we allowing that if. rent we already know what rent is then. if you include your needs on top of that. your minimum monthly payments it. shouldn't stack up to that so what are. we.

doing not spending buying [ __ ] why. though I want to give you free money. right now I've partnered with different. resources that will literally give you. hundreds of dollars the moment you sign. up for them check out my investing app. of choice Mumu where they give you up to. 15 free stocks and 88.1% interest on. your uninvested cash when you sign up. with my link do you want a more. traditional savings account check out. where I keep my emergency fund Sofi. where they'll give you 4.6% on your. money and up to $250 for signing up with.

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have a choice to come to this world. why Mountain news are good why not I. guess I don't know I I yeah it's. definitely not a like a conscious. decision but it becomes one at the end. of the day conscious becomes one at the. end of the day why don't you guys sat. down like I know you guys blame each. other okay so we blame each other on. different. things that isn't necessarily the most. helpful way to go about a budget but why. aren't we sitting down and at least just. figuring out where the money is going.

and taking any kind of self-. responsibility without blaming the other. person on where things are going why. haven't we sat down and at least. acknowledged where our own spending. habits are that's fair yeah I mean I've. does Grandma know that we're spending so. much yeah no on you [ __ ] stupid. [ __ ] dumb [ __ ] that does not. matter in any way whatsoever going out. to eat was literally double your grocery. store spending.

it's like the kid doesn't matter it's. like your grandma doesn't matter it's. like the life doesn't matter it's like. our future doesn't matter I didn't know. that of course not cuz you Haven sat. down and try to figure out where we are. instead you guys just point the finger. and be like you shouldn't have spent. money on chocolate chips you shouldn't. have spent money on a coffee maker you. know that's our solution that doesn't. get us anywhere yeah that doesn't get us. anywhere yeah it's also been like um. like if we have the money I'll spend it. so if we have money for groceries I'll. go get groceries not thinking well.

groceries isn't necessarily bad as an. inherent product but certainly budgeting. in it figuring out what we can do you. know probably going through cheaper meal. plan meal planning techniques $6 to8 a. day on drinks and then you try to go get. groceries you're you're $100 drinks yeah. it's a daily thing well both of us I. what are you getting Red Bulls why why. are we getting packs at least at a lower. price it just. I think when I was making a lot more.

money it kind of made us a little bit. spoiled I do say oh sure CU you're. making like what 80 a year I was I was. making I made 80 grand last year yeah so. definitely living quite yeah we're. definitely living quite comfortably so. spending habits weren't really nothing. crazy and now he can't tell me no so if. I'm like I need a Red Bull cuz the. baby's been really hard all day I'll go. get the Red. Bull now of course your income was. correct you already know your income. your spending you thought was $500 more. right mhm M uh so you thought your.

spending was 3,700 mhm your spending was. $643 oh you guys don't know what the. you're doing no you don't even know what. your life is yeah. damn holy [ __ ] what was the shocked. Pikachu voice face like what was that. like $6,000 that's crazy it's insane. yeah it's definitely on mean too cuz I. should have just asked to get on sooner. to check cuz I like didn't when we.

started doing the whole he was home I. like we kept separate accounts up until. like 2 weeks ago so I never even looked. at that how is your guys relationship. right now it's on the out all right at. best huh said all right at. best it's on the out all right at best. it's like a day-to-day thing day-to-day. thing and you think it's stemming from. this there's obviously like having a. baby is stressful having a baby that. fast is stressful MH we'd only been. together for cuz you guys didn't wrap it.

up or take any medication or anything. and you guys are just like. yeah well when we were making 80 grand. it made sense cuz I knew I wanted kids. young I didn't want to be like 50 with. like a 10-year-old have you looked more. into the automotive industry in terms of. trying to find a job that at least got. you closer to that didn't come with the. experience you had and you say you have. these incredible job interview. skills uh not quite I wanted to make my. way out of what. I I have yeah I want to get yeah I want.

to get out of the automotive why um it's. dude it's gross like working it I didn't. like it um I felt real scummy when I was. talking to customers trying to get. selling yeah I didn't like selling I. didn't like the management because I. have worked in a couple other different. Automotive Fields I've worked at. dealership before um I've done um just. like a lot of tenant um and uh detailing. stuff and it's never been fun it's just. kind of a thing I fell into oh fun I. don't give a about fun no offense not. right now when you guys are spending. double what you make fun isn't in the.

equation of I would say aligning more. with my morals and what it comes in a. workpl it's just gotten to the point now. where. I'm having to compromise on like her. care cuz I never wanted to put her into. daycare cuz I just don't think it's hard. well especially at 6 months right like I. get so then now it's to the point where. I'm just upset because like I know that. I'm probably going to have to get a job. what do you want to do then if you're. the bread winner of the house what do. you want to do that aligns with your.

morals I want to be a police officer. okay well that's. obviously time mhm to go. through that have you applied uh yeah. I've applied and I just wasn't letting. on this go around they said come back in. two years yeah they come back in a. couple years yeah that was last year so. I feel like it's kind of just been like. a holding out until he could apply again. mhm so you have to wait two years now. yeah so what's your plan until then I'm.

obviously able to I have resources I'm. able to gift you like a certifications. of course careers accounting whatever. anything like that for type of career. change I can't offer you a police. certification or anything like that yeah. um okay so what the are you going to do. until then because you guys got to pay. the bills and right now you're not doing. anything you're also spending stupid. that in a second yeah so what the is. your plan we do have a plan we are. getting better um. oh uh we spent double right right right. right I don't know what better is.

considered to you we're just planning on. me working full time yes so that is the. plan would do and I would do parttime. how do we feel about this well why you. parttime um I won't have her go to. someone else for care okay well what is. she going to be. doing are you both never going to work. at the same time or like how does this. we plan on working at the same time. differential where does the go no we're. going to um you guys aren't even aligned. on like what what are you even he. doesn't know what you're asking I'm just. explaining it wrong yeah no so I would. do I'd be the 40 hours a week and then.

he would do about 25 so when I get off. or weekends I just haven't gotten a job. so you'll never see each other I mean. yeah but is that that's a way to avoid. fighting I guess but that's uh and then. the finances will be fixed by the time. that we do see each other so no okay do. you why do you know why no do you guys. even know no no I it's not your income. is a major issue right now but it is. your. spending I don't give a how much you.

guys make you're spending double what. you make now and you're borrowing from. Grandma to try to fill the Gap and you. don't even get close to that anyway. you're taking from retired granny Nana. okay it's not going to be you making. more money it's your spending it's your. behavior it's your lack of care it's. your lack of discipline it's your lack. of maturity the kids popping you guys. into maturity real quick because you. popped it out but that has not changed. your spending it has not changed your. behavior has not changed your maturity.

let's get into the. de oh okay something helps me you guys. are not credit card people Capital. One we have a balance this isn't a huge. balance it's the max it's oh my right. it's the max yeah that's insane credit. limit I've never seen a credit limit of. lows 221 did they lower that at some. point no it was the the Platinum so I. paid you're over the limit no you're not.

you're so close though it's a secured. credit card is it it is a secured so I. when I got it I put down like a certain. amount and then they gave me the 221. I've had that limit since I got it when. I was 18 okay so what are we trying to. do here though I mean at least with the. money that you got you're spending so. much money but you only did a little. over a minim monthly payment then you. wouldn't purchase it on it anyway so. it's like what's the point yeah like. what are we. doing not if we're taking from grandma. again I I really don't get it why are we.

spending on a card that is acing. interest on a monthly basis $67 there. $25 minim monthly payment basically at. the max you put it all the way back up. to the max again Kindle I go to the. library PlayStation Network we're not. doing that we can't afford to live to. live I'm not saying I don't want you. guys to have fun or paid for fun that is. not it you literally cannot afford to. live and we're taking from a retired. lady okay The Sims uh. resource ton. tune yeah that's.

me stop right what is that it's like a. custom content thing for the PC on the. Sims but you need the content in your. life yeah the cont you need to unlock. the content pack where you're able to. just like survive I know it's imaginary. at this point yeah it's basically a loot. box for you whether or not you'll get it. right I think that definitely. contributed to it's like wol we're going. to be poor. yeah so that's what we've accepted we've.

accepted that our our child's going to. grow up in a poor house great that's. great that that's that's what a parent. should say right no I haven't accepted. it I'm not we're not poor I'm broke it's. difference oh not not according to your. second half yeah I've just yeah the. one's given up one. hasn't how do you lead someone that's. given up how do you go forward with. someone who's given up how do you get. into the marriage with someone who's. given up how do you guys get to the. final goals that you want to get to if. one has given up it's an. anchor not the all over you but like how.

do we do this that's true how like I. mean I'm aware that it's the problem is. definitely me when it comes to spending. and the fact that he took on the debt. cuz he doesn't he didn't have any you. you took on all the debt well I had debt. getting into the relationship and I. think it's a little bit of a savior. complex and he just felt bad seeing. where I was and then took me out of it. and then was paying on it when I it. stopped working okay so he's been he's.

he's been paying all the bills since. last year so if you're getting into the. workplace what's your um have either. have you gone to college at all or. anything I haven't um but I've been. working since I was 16 so they don't. usually ask when you have that much. experience well I guess depends on the. job right I mean um a lot of it's office. jobs but I used to do operations for. like a large furniture stores that. definitely helps okay so you guys just. graduated high school then basically. well. no but out for a little bit I don't no I.

mean that's that's Bas vacation yeah I. don't have you didn't graduate no I. dropped out why'd you drop out um we. were you don't hear much of that these. days no we were really financially stuck. and it was affecting my mom's mental. health so then I dropped out to get like. a full-time job at 16 your mom's mental. health is allowed to affect. your basic core education yeah that. feels well she potentially a little. selfish depending I don't know yeah she.

tried to put me in an online school but. I was working like 50 hours a week at. Chick-fil-A so it wasn't 50 hours a week. at Chick-fil-A at 16 wait why I'm so. confused because we needed the money so. she was working what was this mental. health thing what are you talking about. though like it would be like we don't. have money cuz she moved us out to. Oregon without an emergency fund or. anything oh great this is what I'm. worried for your guys' kid cuz it's like. they don't have a choice they don't have. a choice in this world to come into the. world and if you're in around and. putting your selfish desires over them.

you're going to put them in a situation. that you've been and you want to be in. that generational cycle constantly no. that's why we're here okay so they moved. she moved there with no emergency fund. things got yeah so I was um I was in. school and then we were in like half of. an attic it was like one bedroom like an. open plan almost cuz in Oregon there's. different housing laws so he could have. he could rent that out and we were. paying 1,200 for that and then she was. working three jobs jobs to make up for. like the living cost of having two kids.

I she just needed money it was so she. came to her. 16-year-old I need you to work 50 hours. a week that's kind of gross I don't know. if it was like that I'm okay with a. part-time job to help into the communal. thing if the family is going through. hard times I think she puts himself's. desires over it right uh and just yeah I. disagreed with the whole move to Oregon. cuz I was like an AP student and then it. just messed everything up and it got to. so you worked operations what have you. made what has been your highest paying. job it was that um yeah what was the.

like pay. 52 a year. yeah okay how long have you been out of. work a year gaping resume I had a. kid yeah and then usually they're a. little you're going to be headed into a. harder job. market yeah I have three interviews when. we get back okay um good I've just been. turned down from five so it happens it's. the name of the game sucks humbling her.

numbers game is wild though interviewing. or uh applying for jobs is you know a. full-time job and sometimes has to be a. little more curated depending on the job. and you said that and I realized like I. wasn't doing it enough so I applied like. 42 jobs just the last two weeks but only. like six of them called back yeah. yeah num. G you know you're depending on the job. you know cover letters and things you. know ideally I wouldn't have to work but.

we're here well yeah I don't give a sh. about ideally ideally is not the world. we live in right the world's not. necessarily kind loving and caring you. just got to figure out your way through. it like a adult or your kids's going to. be driving out of high school and. working at 16 yeah also you're spending. all of your guys' money so I don't. really give a that's true like yeah it's. not like we're trying you guys are. living like upper middle class people. yeah what we not making your lower. middle class yeah.

ouch mathematically it's not a you know. insult it's not even a bad thing but. just you got to live like your real life. yeah we yeah this is a 32.242262. [Music]. yeah so instead of paying it off we keep. it at the credit limit smart real smart.

guys when did you guys start. dating uh September of 2020 yeah 2020. 2022 okay and then we had like a a. miscarriage like two months in and I. think that's kind of just two months. into dating yeah yeah I think that's. what just put us down the trajectory of. like go go go go go wow one I'm sorry. for the miscarriage and two you guys. were pregnant so quick as well at the. same time it was it was a it was it was. I'm look at the camera if you're taking.

birth control and also on antibiotics it. will cancel out M so you can't be on. birth control and. antibiotics and interesting yeah yeah. and it most likely won't be a viable. pregnancy if you get pregnant on. antibiotics I guess I need to double up. my birth control yes Caleb did you take. your dose this morning did you miss your. alarm. yeah no it sticks it in every time I. walk in the office I figured I thought.

he was supposed to work for you right. they call it just helping to row out. you're right uh speaking of getting in. the ass let's talk about this apple card. yeah yeah that was a mistake a huge. $1,730 and3. balance with a $52 minimum payment and. that was before the trip here trip oh. cuz to use that card to well at least. the reimbursement the the flat rate that. we give you better put it right towards.

us then if that's the case yeah yeah cuz. that's that's the plan but yeah I get it. why is this card balance so high it. [ __ ] um yeah and then why then why. why are we [ __ ] then that's that. pisses me off you're just so you're. knowledgeable of it but we still do it. so it's just like what can I even do I. wouldn't say you I. want okay so again we we disagree again. so what what is it then not bull. a lot of the whole reason why I got that.

card I was trying to boost my credit. score before we met so I just used it. for small purchases okay and then once. we got together and we needed some extra. money to say for a vet visit or we had. unexpected bill or something you guys. have pet insurance no but then it turned. into yeah oh we need like something at. the store gas we're not obviously we. don't have money cuz we're spending that. much yeah I just didn't we didn't have. like a real Financial conversation until. we were going to come on you guys need.

to go really until then you haven't had. a talk well I knew it was bad but it. would be like the are we okay and then'. be like well yeah cuz you didn't want me. to freak out yeah it's never wait did. you even know your finances the. household I had no idea they were this. deep why were you why wait why why why. are you ignorant to the. household with the baby I guess just. didn't care you didn't care I didn't. think it was ask no why didn't you share. cuz obviously this is concerning why. would you no no no If my spouse uh you.

know this imaginary spouse because oh. well she's imaginary um somebody get. Caleb yeah if. uh if you know she was taking care of a. kid or whatever you know she wasn't. interested in the finances but something. was going wrong that impacts our future. and impacts our kid I would bring it up. because we're both adults. so why did you not bring up anything.

it's probably a lot because before I was. making a lot of money so like it was. never a conversation to ever like really. have cuz we're always okay but it is a. conversation to have so why didn't it. happen I just assumed it'd be okay how. bad math I don't know that that's not a. answer that is not an answer why did you. think this would be okay what was your. actual logic you see the debt. accumulating you're at max out card how. are you like it will be okay. I guess I was just holding out hope that. things will change um I always knew we.

always had enough money in the bank. account where we can make our bills and. we can make our groceries so in my head. that was comfortable living would be. okay but of course if we need anything. else it was going to the card and I. would just borrowing from your what do. you mean you have enough in your account. to pay your bills what are you talking. about yeah you are living in full. delusion right now the are you on about. I commend you for working a lot of hours. I commend you for immediately getting a. job after well you quit but I mean still. either way uh you still got a job.

quickly even though it's not the job you. want we just ignored six grand worth of. spending yeah guys just a quick plug but. this is your last chance to grab a spot. in my 5day financial refresh challenge. for free the challenge starts today and. I couldn't be more excited to share this. content with you all like I said I think. there's something in here for everyone. and at the very least you can follow. along with us and take the next steps. toward building a better financial. future just click the link in the.

description below I'll see you there. just I think and then also with like the. baby and the PPD it was just like well. this isn't the biggest thing until it. was the biggest thing you guys don't. even get marri are you sure you're even. going to get married if things keep. going like. this I mean it's probably not if things. keep going like this it's it's a leading. cause for divorce in in this country you. know many but we were raised completely. different with money so the. conversations are definitely always.

stressful no you guys just point point. fingers well it's it's clear as day why. you spend money on taco chips you spend. money on coffee. yeah yeah you're you're both. irresponsible the the pointing of the. fingers is correct you're both yeah. Point them at yourselves as well. acknowledge right okay no spending oh. wait no there is. agave psychiatry. okay 20 bucks how often not anymore yeah.

it was once or twice a month we we. couldn't afford therapy can't afford. therapy how is therapy the thing we cut. when we were spending $700 a month going. out to eat what the you guys on about I. think it's which one's really better for. your mental health are youing kidding. me it was just the the the the therapist. was like a the charge was like 140 and. I'd rather get a $5 drink than pay 140. well all together like with mine and his. so both of you were going and both.

stopped stopped it was like the $6. couples therapy though well I mean. yeah yeah and that could like save you. guys that's not going to help us get out. of the hole it might if it keeps you. guys together and allows you guys to. strategize and actually have. conversations about money if you can't. have conversations about money you're. never going to get out of the hole right. if you're able to have those healthy. conversations then maybe you will it's. just like the those big amounts are so. much more over overwhelming than like. getting a drink or going out to eat yeah. but that's your guys's issues the small.

Cuts yeah it's the small Cuts we can. work a budget that's one of the last. things I cut that's why I try to keep. gems in the budget as well there are. certain things that you know AR in need. if we get to the end where we literally. cannot afford certain things and we're. already at the max of work like okay. that's where we can have the. conversation but those are things we try. to put in if we feel like we need them. we just haven't $34 of interest to. charge this month and again you know. like and I'm not against the therapy um.

I am against putting it on the credit. card okay so we only have one car loan. it's just mine yeah cuz he has like a 97. GMC 9 think oh. Prime that thing's going to run for a. while it did get stolen and then his dad. replaced a lot of the stuff yeah so uh. I've always been able to keep up with it. working at that shop because repairs. were cheap so everything's basically new. on it the motors only got 150,000 on it. the Transmissions only got maybe 990,000.

on it and then we have a Ford Focus as. well yeah 2016 okay $893. one7. yeah you you had a late payment yeah. that was you had a late payment you told. me you guys have enough money in your. checking account to pay your bills so. that's why you don't tell her then we. had a late payment so what was happening. I do forget her bills often yeah then.

you can't be in control of the. finances that's not how this. works that's I don't it's it's children. you know yeah the late payment was um. that month we had to make rent so I. defer to make rent every month that was. the month that we were short so on top. of the money that we borrowed we. deferred the payment and then paid it. like 10 days. later and then there was um what do you. think is Worth car. man that car yeah what do you guys think.

it's worth like six grand I was say six. 2,800 oh. okay that's tradeing though what's. private Market I didn't know you kept. animals in the back let's let's do let's. do private Market going forward five. grand sorry five private even still wor. less than we thought yeah and then it it. was. 221 um and then they saw like a lapse in. the insurance then it raed like 280. what's the minimum monthly payment on. this thing 280.

281 it's minimum monthly payment I mean. it starts becoming hard when we're. stacking these up and we basically make. no money there's two L fees okay great. wonderful it's a 5.7% interest this. isn't even the worst thing in the world. yes you're underwater a couple thousand. dollars but in terms of the overall. grand scheme of things as long as this. is running well it's not the worst in. the world and the interest rate isn't. the worst in the world either but you. guys are late guys are late you're just. it up yeah yeah cuz is this. I was a whoops baby and my parents were.

19 and 20 when they had me when I or 18. and 19 no we knew what we were doing huh. was that what you're about to say is. this a whoops baby that we had I thought. you already said it was like eh and eh. baby no we. knew we knew a fornication happened on. that week I'd get. pregnant okay so you guys wanted to have. a kid. yeah I think the miscarriage like pushed. it forward a lot the whole relationship. went really fast that's not what I'm.

saying I just when my parents had me you. know I was a wols baby so it's actually. even more irresponsible that you guys. did it but I was a whoop my dad was a. you know a gas station attendant and my. mom was just kind of like a helper in. like a glasses place and you know like. an eye uh doctor place you know neither. of them made much money and that meant. the vast majority of my childhood and. the vast majority of my life was was. growing up with really difficult. finances hard conversations really cheap.

you know just spaghetti every meal you. know that kind of thing and it made life. hard and it made I saw them struggle and. they did a pretty good job hiding it. from me and you know they went in debt. to make it me feel like that I was like. living you know the solid middle class. life next to everyone but there are. foreclosure notices there are things. like that and that is what your kids's. future is right now based on your guys I. mean this car is not the worst thing in. the world the interest interest rate the. payment you know even underwater it's. not like the end of the world car as.

long as it's in decent condition and but. and you guys are it up cuz you're not. willing to literally have a single. conversation with each other about money. you are going to have that hard thing. now for what it's worth you can turn. around my mom get a Nursing degree she. has a successful career there my dad. ended up co-founding a business with. some people and they've been successful. there of course they had to wait until I. was out of the house to be successful. but either way you can turn it around. but you're headed through that tough.

childhood for the kid and then you're. already talking about bringing in a. second one you're not even married yet. so it's not like we even have like well. legal the government pays for your. babies if you're not married I you get. covered under access so I we had no h. hospital bill there are substantial tax. credits though as well I don't know what. that. means tax credits what does that mean do. I owe them now cuz I had a baby no no no. credits less less tax what's what's the. let me let me look up the tax credits.

cuz I don't I'm not popping up. children I don't know I don't know. either you don't know what the tax. credit is that like the like when you. write them off yeah it's essentially. against your taxes okay so it's going to. be credit okay oh there's another reason. too is you get more if you're single on. taxes it just I didn't well no when you. joint file as a married couple one one. second okay uh up to 2,000 for. qualifying. child under the age of.

17 and 1700 of it is refundable meaning. that's like literal cash in your hand it. just didn't starts phasing out if you. start making more than $400,000 a year. jointly or single at 200,000 and it. really doesn't matter if you're married. or single on that part no but there are. tax benefits for married couples but. married couples with one of them without. income aren't you both about to have an. income though. I mean yeah the the the second child was.

like if I mean obviously now it's not. I'm not going to have a second child. with someone I I know not based on what. you said so how am I supposed to read. your mind it was just the plan I you're. not a credit card people use a charge. card like the Fizz card guys you just. don't know how to this is ridiculous and. then you can't even pay your own bills. you need to be forced to pay your. bills yeah we we were on autopay but. then it kept drafting us into the. negative because we didn't have the.

amount in the account is this another. credit card it is no credit credit West. which which I have two accounts on there. they're both MasterCards though one of. them a credit one line This is a it's a. credit card yeah okay and we're sitting. at. $454. 38 interest is uring new purchases guys. this is I'm this this is like oh how. much more of this can we think why are.

we purchasing on this what are we. supposed to do if we don't have money to. get I'll tell you don't go in and get. Mountain Dew and don't go to a smoke. shop these are not requirements to life. so you okay what are you supposed to do. you don't do it don't be a dumbass but. that's what like keeps the morale up F. your morale your morale doesn't exist. it's not going to matter if we're making. income if we kill ourselves killing. yourself by not giving yourself lung. cancer what the are you talking about.

but you know like there's things there's. vices everybody has like a little thing. do puzzles figure out okay sorry I'm. oversimplifying this either way in. general obviously glugging Down the. Mountain Dew not good for you glugging. down smoke whatever it's not good for. you. and you cannot say that well how are we. supposed to spend money if it's on. things that are a want and those are a. want no matter the addictive tendency of.

it it's a want you're putting it on a. credit card that's building up that's. near max out that's a crewing interest. that you're not paying off that's not. where we'd put it anyway I'm okay with. the fight get get on that uh you already. bought the expensive coffee equipment. get on the vice of making fancy coffees. you know you. know maybe I see easier said than done. this is more of an addiction that you. know would need to be worked on I can't. put it in your budget but it's just when. you're in those moments and like life is.

you don't have any money you get a. mountain dud I get that but why is life. now and why do we not have any money. it's cuz you guys are accumulating your. debt so I'm not against the you know I. that was kind of joking when I said. um what was the word morale morale it's. not about that it's like literally your. morale is just going to be forever. getting worse cuz you're kicking the can. down the road and it's just going to. become so bad that you know maybe. bankruptcy is the only option you know. maybe we have to borrow a ton of money. and have a hard conversation with our.

family there's so many bad things that. are down the path you guys are headed. that are going to your make your morale. worse so I don't care if the morale is. slightly hurt by not going to getting. whatever you're getting from the smoke. shop I don't care right if that morale. is hit in that moment if in the long. term your of your life your morale is up. so I don't give it it's not that easy. when you're in it no it's not it's not. everything everything revolving these. conversations is easier said than done.

we would have to sit here for 10 hours. if we went into the Nuance of every. single little thing the addiction is. something that you're going to have to. work on yourself I can't put it in your. budget I will not allow myself to put it. in your budget that's something you need. to work on for yourself and for the. longevity of your life so that you can. be around for your kid longer and not. develop your weird whatever lung is. going to eventually hit you leave my. fungi alone huh you leave my lung fungi. alone. I'm growing it with care yeah it's not. funny you're going to die and leave your.

kid okay it's not a joke it's not a heha. heha it's kind of it's. disgusting vaping or yeah like. legitimately is like I don't care I'll. shame it I don't care it's fine you can. shame it like we don't even know the. long-term consequences of that yeah. there's going to be millions of people. that are just going to that we're going. to have to take care of because they're. like let me have flavored nicotine I'm. just glad that you've never had. to yeah I've had to stop my own vices I. have my own vices that and nicotine is. one of the most addictive things it.

really is you know one of my producers. back there kicked nicotine it's super. cool of him one of my best friends here. in Austin also has done that and it's. really difficult and I know it maybe set. up reward systems for you along that you. your support system is who knows. but it's difficult and that's something. you have to work on yourself and I can't. help you with it but I can't put it in a. budget okay no budgeting for nicotine no. budgeting for future L cancer.

no so 17% interest. just uh $50 that's medical Deb bill just. $50 it was a noow huh it was a noow what. a a noow. fee know that was a thing yeah I. legitimately didn't yeah no they'll. charge you if you don't go they going to. make their money yeah they're going to. make their money okay I guess I've just. never missed one that was was just a. joke they asked for um record of cash.

cash on hand and I told them I have a. jar of coins to throw a robber so they. wanted. documentation okay that's what you asked. a big jar sure got like 10 bucks in. there oh good oh good our checking in. Chase is negative this is wonderful this. conversation continues to get better and. better and we're sending out Apple cash. like what the you. doing uh again I'm good with the gym but.

you're negative in your checking account. yeah plus a monthly service Fe you're NE. and we negative $1 the are we doing guys. who you Apple cashing uh that was to you. um for what drinks when we're negative. what the doing also I thought you guys. said you were joint now anyway so what. is happening well I still have my. account and he has his account um but. I'm on his account why is anything going. through here you're negative I just. didn't switch it over switch it over be. a doll for 2 seconds. well it wasn't a big deal until like a. month ago you're.

negative okay right well it's a big deal. okay yeah oh my okay do you guys even. care like what are we doing here well. yeah but when you're in the moment wait. is this another what is this no it's. counseling P do counseling is it yeah. that's the that's the 145 I owe to the. therapist I I was under the setion that. it was covered and then they sent me. that bill with all of it.

together that was for three appointments. I don't know what your insurance covers. I don't know what your deductible is. right do you I mean it's Medicaid so. no. okay and you guys are just like let's. have a kid for fun okay like it's a toy. sure at least for $710 in this is this. the shared checking account yeah this is. guys this is the dumbest thing I've ever. seen in my life so stupid so selfish so.

just childish and gross started off the. conversation with the pleasantries and. I'm and you guys are lovely people as. people but this is gross to is door. dashing for 40 bucks when we're. borrowing money from granny sending. Apple Cash Out going inside getting. Mountain Dew Sweet Treats Apple cash. sent out IHOP getting Mountain Dew sweet. treats Mountain Dew sweet treats with. raw ATM 43 who knows where the went with.

raw ATM $2 probably a fee Burger King. going inside getting some Mountain Dew. Sweet Treats Mountain Dew Sweet Treats. Mountain de Sweet Treats Mountain Dew. Sweet Treats Tik Tok shop $136 on Tik. shop the are you. getting how much was it for. 136 and we're borrowing money from. Grandma was that $17 I looked I looked. the line doesn't connect very well. okay got hacked okay no that was um a.

Father's Day gift yeah it was a Father's. Day gift are you borrow whose father my. father that be his okay you're borrowing. from your father's mother his mom's mom. but yeah to get okay well was close yeah. so I don't think we're doing that I just. don't right like it doesn't make any. sense Burger King Netflix nothing on. there anyway manscaped do you need a. subscription you don't you're time thing. can free special mustache as you've been. touching all conversation.

yes more nicotine and Microsoft ultimate. sending Apple Cash Out Apple Cash Out. Burger King modern Market eery Jack in. the Box Blue Martini blue martin this is. guys going inside U Mountain Dew sweet. treat. Spotify Cash apping Out $30 cash apping. out eight bucks Apple Cash Out $8 Apple. Bill inapp subscription who knows $10. 31 going inside getting a sweet treat. Mountain Dew Disney plus Apple cash sent.

out Goodwill n you never really know you. could get you can get things you. actually need okay I'm okay with that. what I'm not okay with is then going and. getting Mountain de sweet treats and. Mountain de sweet treats and Mountain. Dew Sweet Treats Apple cash sent out. guys this is ridiculous who the who the. are you guys sending money to so much. it's between him and I cuz if I don't. have money in my account I thought you. guys used this jointly I I guess we've. just been lazy I haven't soch stop being. lazy how how are you guys allowed to be.

lazy how is there even room or time or. anything here for laziness I mean. there's not when you're raising a kid. you're not thinking about you're raising. the kid to try to live a better life and. because you're a little lazy right now. you're in their. future is what I would say to that okay. before you try to make an excuse about. the kid okay as a full-time Creator I. can tell you creating engaging videos. takes a lot of time and effort from. scripting to editing the whole process. can be a headache but that's where nid.

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congratulations. thanks modern Market eery Mountain Dew. Sweet Tree Amazon Blue Martini again. we're obsessed with that place. $441 there um we got sent that back like. half almost all of it cuz I go out with. his sister and then she sends it back to. his card okay M sweet treat smoke shop. so we have two addictions diabetes and. lung cancer. am Apple Bill might do sweet treat M do.

sweet treat door dashing McDonald's. great withdraw by check $72 who knows. where that went plus a fee of $5 Panda. Express Waffle House are you kidding me. guys Mountain de sweet treat. Superstar car was it's a car wash car. wash car was I for that was for what. where do you live again my. car okay you don't get no you do get a. lot of dirt okay well dirt's okay that's.

you're not getting like the salt and. rust what was use a hose you can't use. the water at the apartment complex you. get fined you. spit all right Apple cash Sportman's. Warehouse Mountain Dew sweet treat. withraw from the etm $43 $2 fee another. $23 out with a $2 fee m de sweet treat. Amazon Apple bill. oh Mountain de sweet treat Apple Bill. and Mountain Dew sweet treat this is.

insane you spent $2,000 more than you. brought in this is insane also so you. guys can have your little special vices. that you guys do every day childish. immature putting yourself before your. kids's future it's gross it's gross I'm. disgusted I I don't know what I just you. don't care it's not that I don't care. it's just are you kidding me. I agree that it some of it is definitely. childish I just think some of it six.

months old is the kid they have 17 and a. half more years with. you this is what they're going to have. to deal with is their mom and dad. putting their vices over them. no that's why we're here that's not an. excuse that's what a lot of people say. that's why you're here no I'm answering. a question and if you answer it and you. don't seem to care I'm going to call it. out okay being here isn't a magical. solution I will give you the wakeup call.

I will connect you with the resources go. through our budgeting class go through. our investing class it's bundled now at. a lower price by the way I guess it is. like selfishness I don't know but I had. like really bad PPD so it was PPD yeah. postpartum depression oh yeah that does. suck yeah so then I it definitely was on. me because I'd be like I need this thing. so I'm like super sad and then he would. get it okay was that clinically. diagnosed yeah okay I just got off WebMD. that was a joke it was clinically. diagnosed Noah thinks you look like a.

flamboyant. pirate you can you can make fun of him. not having hair on top of his head in. the post show it's all right you'll lose. it I'll that out to you yes this is why. we need to keep him in the back pirate I. know flamboyant. pirate he is with some of your guys' gu. great no I think you look good thank you. you like touching it it's like a pet to. you but it is F huge pet peeve of mine. it's just like you like sit there and. you.

hear I always lick like my like uh like. I always get like a long hair right here. so he calls them his feelers like a bug. that's pretty funny it's not funny when. I'm trying to eat a [ __ ] sandwich and. I eat half my mustache though yeah. hopefully you're making it cuz well you. can't afford to buy one i''d be the one. making it yeah $47 in this checking. account so what's the point of this. checking account this is your. so that's so my grandmother had set up. this checking account when I was a child.

and she was just putting a couple. dollars here and there all the wayk nor. Tia that's a movie theater it's a movie. theater great so movie theater movie. theater more m s treats ATM would draw. 3033 who knows where that went great for. the r this is this just more spending. rent's okay but more sweet treats and. the movies because again our pleasure. our instant gratification that's more. important guys I yeah $3,000 invested is.

that what's invested to our name uh my. name yeah all right cuz you guys. definitely don't consider yourselves. together in terms of like an actual. partnership actual commitment for the. future that's as clear as day with the. language you guys. use you've been good I'll put this away. you haven't touched your T the table. once I'm glad we've earned I switched my. mustache yeah I mean necessary food was. six .1 spend percent of your spending. your spending we also know was 50% more.

than you made but either way within that. spending 11% was going out to eat. miscellaneous B 8.4% of the large. purchases. 11.1% like this is just insane guys. that's laundry mat ATM withdraw $33 and. apple Cash Out. 212 $200 Mountain de we think just about. insane yeah like that you're the next.

Boogie congratulations oh great no. you're dating way too within your age. range to be boogie that's a fact what is. this nothing don't worry about it do you. know not people making money at. jobs yeah that's true no more terminally. online if you're going to get a job get. a job which is honestly a play is that I.

I like that you guys can do it without. putting the kid in childcare and you. guys are just working weird hours that's. just the one thing I won't compromise on. is I'd rather have and that's fine it's. it's going to be interesting curious to. see how sustainable little it is that's. the worry all right I think what's your. rent again 15 after everything is that. after utilities and internet yeah except. for utilities and internet yeah rent as. insurance okay. phone bill uh 200.

something well I I don't pay mine she. has his parents pay for. is. 98 guys I assume you still owe money on. your phone uh mine's paid off that's. just what my mom said I owed her get. your own line with helium for 20 bucks a. month dude just do that I don't do they. get services everywhere yes T-Mobile. towers T-Mobile's not that great. T-Mobile well it's great here I have.

T-Mobile I have T-Mobile well good for. you guys I like my Verizon great yeah. let's continue to pay for things we. can't afford that's some are you are. they going to spoiled never heard of. that's spoiled brat Behavior no offense. I mean I don't. care car insurance for both um I don't. pay car insurance mine's we do mile by. mile cuz it's cheaper since I don't you. don't pay for car insurance his parents. pay for his you really are a child okay. that's okay I mean if that's what they.

want to do I was paying it for a little. bit you're getting money from everywhere. yeah from everyone because you guys. can't okay um mine is mile by mile yeah. so because I don't drive that often it. would have been $500 a month cuz I have. accidents so I just did mile by mile. it's like so what is it normally like. 120 month how much gas for both of. you 50 or two weeks for Mine mine's. maybe $40 a month like 90 140 40 every.

other week. yeah TP fund anything else you need to. exist $200 and that's because the kids. expensive and you got to put all that. food we're meal preparing aggressively a. couple times a week MH and we're just. eating cheap or we're eating healthy use. the one in the budgeting program address. it to your needs and with the kid I'm. thinking you guys can do we also use LD. which is really good. yeah yeah 600 a month that's more than.

yeah that's more than I'm used to. spending on groceries yeah but you guys. go out to eat yeah I guess it's true. I'll do I'll do 500 if you can do 500 do. 500 but I'll all up to 600 medical let's. get those co-pays a couple what if you. do like two therapy sessions a month. what would that cost you each uh bucks. huh if we did two a piece yeah 200 bucks. is that just for you or all together. okay let's see if that works what's the. gym membership it's just mine which is. 25 I think. there is 25 yeah was 15 no I have the. black card so I can take Blake.

ah and you guys said you had a pet yeah. we have a dog uh pet insurance no I. think you should yeah cuz that can add. like a $5,000 bill to you cuz they eat. put 20 bucks on it's the same thing as. like when we got the the vet charge was. like you know like a thousand so then we. don't how much for dog food a month. o That's no no cuz it's I mean we get. his food like once every 3 weeks and. it's 40 bucks for the okay so 80 80 and.

your minimum monthly debt payments 281 +. 25 plus 52 plus 25 we're looking at. 383 see where you guys are at you guys. think you know where you're at or is. this like a I took we're about to find. out we're not going to be great how much. hits you account on a monthly basis. right now uh 850 a week 850 a week 850. 900 a week hits your account just do 800. every week so that's what hits the.

account though that's not what's before. taxes no that's what account yeah 52. divided by 12 some months are longer. some are shorter. 3,466 you guys have room there's no. excuse for borrowing from your grandma. there's no excuse. for spending the money that you guys. have there's no excuse for being short. you guys have the money and you're going. to make more and you're going to bring. in money honestly. I mean this is kind of simple to me. you're going to work parttime you're. going to get a full-time job making like.

50 um you guys are going to be able to. pay off this debt pretty quick just pay. off uh medical then therapy then Capital. One then the master card then the Apple. card then even pay off the Ford Focus. just to get rid of risk get a fully fed. emergency fund think you guys can do. that in like a year and a half pay off. the Ford Focus in a year and a half yeah. because with you guys are already making. more right now. then you need to live barely and if you. truly focus in and just tackle debt as.

the top. priority yeah absolutely with you making. 50 and you working parttime yes. absolutely but what would that be like a. month just going into the car huh uh. well after all the other debt is paid. off your minimum payments again are. lower at that point you'll have like an. extra hundred bucks to throw towards it. and then you're making again 50 and then. you're making part-time probably making. what like 75,000 bucks a year maybe. depending plus with paying less less. than taxes cuz the kid just saying those.

numbers makes you feel and if you guys. are married you'll have married tax. benefits as. well is it a benefit to get married. though like actually money yes you get. tax benefits I can I can bring up the. exact just yeah in general I don't know. cuz like my mom always said it was. easier not. to I don't think easy in what way like. sure yeah like filing or with kids do. you no okay I believe you. I don't think you should be taking. Financial advice from your mom that's. fair I mean I can sit you guys down with.

our in-house CPA that you guys can talk. to if you guys want to be. coached Financial coaching you get a. higher standard deduction as uh and. lower tax rates as a married couple. obviously there's child tax credit and. earn income tax credit as well oh I. forgot about this but there's also the. spousal Ira contributions so one with no. little to no earned income like you were. able to contribute to both of your tax. retirement accounts essentially almost. like doubling your IRA which is kind of.

cool then obviously spous and survivor. benefits for Social Security I mean. there's a lot of things here guys I. should just probably stop listening to. people well I mean I I don't know the. exact argument I can't argue against it. unless I know what it is so you guys. have this you guys have this yeah once. you start doing your job and you're. doing the part-time thing if you're able. to do it for a year and a half let's. call it two years to pay off all the. debt have a fully Fred emergency fund. then you can figure out what you guys. want to do for careers and everything. from there but that'll be when you can. apply to the police again.

so you guys just need to cut back. pretend like you're living on nothing. because you guys are living on nothing. right now you can't afford anything. that's not how I want you guys to live. don't get me wrong but this is like the. literal reality your situation and you. brought a kid into this world against. their will so live a good life for. them yeah and with them and you can do. that with simple sacrifice like. literally just simple sacrificing just. for a couple years which is absolutely. nothing you'll be 25 and you'll be 23 so.

or you'll be 23 so there's just that's. nothing we're in our mid 20s and you. guys have a fully fed emergency fund in. no. debt you guys will retire. multi-millionaires contributing yeah. okay if you if you do 50 30 20 50% on. needs 30% on wants 20% into investing if. you if I open up my Mumu app right now. my brokerage that I use and I buy like. some S&P 500 to some spy and I compound. that over the course of multiple decades.

by the time I hit 59 and a half where. things that's where your tax advantage. accounts like the IRAs can be withdrawn. penalty-free you guys will have a couple. million bucks you know if we're actually. making the money that you suggest you're. going to be making and you're going to. have a great pension program likely. through your police force anyway so. there's a lot of opportunities here. sacrifice for just a year and a half. guys your life is done but instead you. guys have been acting like children and. you're putting your wants and vices over. over your literal child so yeah I it's a.

pretty easy solution it's literally just. your sacrifice it's literally just basic. thing spending a budget you overs spent. by double zero out of 10 your. debt it's not even like the worst debt. you guys is you're spending stupid so. you're allowing yourself to get into bad. debt three out of 10 emergency fund. nothing right now you drained it zero. out of 10 retirement uh I know you're. nothing you started for your age I'm. happy combining it as a household kind. of pretend like you guys are married. going to put that at U three out of 10. because you're kind of anchoring down on.

that real estate 0 out of 10 for. now it's going to be a hammer Financial. score only rounding up 1.5 out of 10. make sure to stick around for the Post. show we're going to have Noah come in. here who they seem to hate so we're. going to bash and we're going to jump. into some more drama cuz there there are. some things that we didn't get into that. are on the more drama side of things the. side of things so we'll talk about that. in the post show you can Jo in the link. in the description below also want to. make sure sure to check out all the. resources there as well they are what I. use or would use in specific situations. including the best budgeting and.

investing programs now bundled at a. lower price uh check them out join us. for the Post show today on the financial. audit post show we heard L birdie say. you maybe have a touch of thetis touch. of theism I wouldn't be surprised not. yeah do I need to be like more. expressive huh do you want me to be more. expressive I don't care you'd be you you. can pick up on the social cues and stuff. uh we're still going this is starting to. become like CU we get like you. understand numbers and stuff to watch. the financial audit post show click the. join button below.