Wife Forced To Deal With Cuck Husband | Financial Audit

is he aware of the household financial. situation I think as much as he wants to. be I Tred to have conversations about it. he's like yeah okay I've been in dead. I've been out of debt it's just a. process well the process has landed you. in. debt you find the debt situation funny I. mean not as serious as you that could be. dangerous for the kids' future as well I. mean my emotional State's more important. I'm more valuable than the debt that's. there so it's the game and I got to play. it game I get to live I get to eat. that's how it goes sometimes I have to. be in debt to do the things I want to.

do hi my name is Lily I'm 33 years old. hi I'm Mark I'm 40 years old based out. of San Antonio and this is financial. audit thanks for coming on guys thanks. for coming up uh so this by the way this. I've I've I had the privilege. or like consequence of being able to say. this only a few times in the show's. history but this is one of the thicker. piles of absolute paper.

I've ever seen and shocker 90% Deb as. tends to go with the. show so I want to know first what do you. do for a living I am a seventh grade. math teacher okay what do you make uh. last year I grossed 68,000 and what do. you do I'm also a teacher so I teach. social studies oh very cool that was my. favorite subject um what how much do you. make I think last year 63 generally is. what I made why do you make l because I.

teach math wow oh yeah that's right okay. yeah going for the you know stem route. sure so cool what is going on here what. do we got what what we got here cuz I. got such a big pile give us any kind of. just basis for what we're about to dive. into what is happening guys so when we. got married I had um we actually had. very minimal debt when did you guys get.

married in 2018 okay um and I slowly. started to try to build up our credit. profile. and um because of my past transgressions. as a young adult being a single mom I. had to um get lots of little debts. instead of trying I tried to get like. like I had a credit card right and I. tried to get more credit but in order to. do that I had to get multiple credit. cards single woman you had a lot of past.

trans no I sucked at I sucked as a. single mom like a single mom okay every. six months that we were moving because I. couldn't pay my rent okay um so we have. a kid we have three kids what ages do we. have um 11 five and one wow a brand new. one mhm just spawned okay cool wow so. you brought some of the past. transgressions as you said to the. relationship so okay go on um so I tried.

to improve our credit by improve like. getting more credit limits and things. like that but because and did you know. this was happening along uh yes I did. okay were you like authorized users. co-signer yeah generally um I was an. authorized user I think it's a little. bit of both like we have some that are. together we have some that are separate. cuz if something were to have happened I. didn't want to affect both of our. credits so obviously Mission failed this. big pile how how we feel what us going.

down so when our youngest is born cuz. she's going to be two soon um okay we. had actually Consolidated all the debt. and it was completely all the credit. cards were paid off and then let me. guess you didn't change any behavior. before you did that probably not but. also we got into a really bad car. accident and I was out of work um we got. we got hit by an 18-wheeler yeah so um I. was out of work no they actually deemed. us at fault yeah.

so. disability um we didn't get it until. four months after the accident why the. investigation it just took a while okay. um so I was out. um for six weeks of work but then once I. started going back to work because we're. teachers this was almost two years ago. no this was nove or we got we got in the. accident the end of October almost a. year ago so for a few months we had to. live off of just one one income one.

income yeah and it was Christmas and. okay well that's not how that works. right we have a hard time telling how. that works I know but we also have kids. I just said that's not how that works I. like I'm sure they want things I would. love them to get things if something. tragic just happened that prevents us. from literally getting things without. ourselves I don't think we are getting. the. things sure but Christmas in January. they're all young they don't know what's. going on I mean sure I mean two of them.

probably don't but it's hard when it's. not even like the Christmas presents. it's like we want to go out as a family. together and they want they're just want. want want that's fantastic that's great. but why does want. supersede literally but it was also buy. living a better life is it was also. buying groceries and well that I'm not. opposed to we pay all the we we pay the. majority of the bills in the house. what's your what majority of the bills. yes because we have nine people living.

in our house not including how big is. the house uh it's a five bedroom it's. like 2800 square feet five bedrooms we. converted the garage into a bedroom who. are these people his mom and dad and his. two brothers and your two brothers my. brothers weren't living with us but then. I guess you know life happens and you. have to kind of come back home yeah one. one ironically yeah one sold his house. um because he inherited it from their. grandparents had a reverse mortgage on.

it and for whatever reason it just fell. through so did he get anything from the. sale yes he got 100K why didn't he put. that towards living on his own oh. whatever okay so you pay the majority of. the bills that's a valid question but I. can't answer that so what's like the is. it rent is it mortgage no we own the. house outright okay see in that case. then how could we not live off the. 63 yeah we did I mean we did it. successfully for a while success that's. what I was trying to get to what do you.

mean for a while it was only four months. until you got disability I know so how. do we fall into such how the did this. happen only a few months ago and we have. literally barely any overhead other than. obviously groceries the credit cards. were. from then but huh the credit cards was. from yes individual yeah okay I want. toar some of it was I mean I guess some. of it was I went on our AC went out last.

year but um but the majority of it. yeah uh we had to we that's how we. started slowly accumulating debt on the. credit cards again because we had to buy. a new because our AC went out because we. bought a new window unit for our bedroom. and that it just spiraled into let's put. it on the credit card or I leave my. debit card at home and I'd use my de my. credit card you guys like just sat down. what are you do you guys have financial. goals as a couple as a household as a. family we try what do you mean we try.

what does try look like cuz we're not. trying this isn't trying this is not. trying you're right I try to um have. conversations about it and it just he's. like yeah okay sure but I feel right now. she uh one of her goals is to open up a. coffee shop so now once the deing but. but there's so much what how how physic. so my point is the goal the goal now can. have some sort of focus when before we. were just kind of having goal for our. household it's one of the goals I don't.

think uh it should be uh we should just. have one goal and she said you just like. notd your head yes when talking about. the financial goals do are you aligned. are we Al me and her aligned well she. just said like she says the financial. goals and you're like uh-huh you set the. financial goals could you give an. example like when I say how much do you. think we should spend on this this month. and you're just like yeah whatever or I. or I tried to the survey question or I.

try to say. Hecks 500s is it. followed um do I have do you follow up. with do you guys. budget no we don't no we don't we know. we don't have a lot of overheads I try I. think because made a budget together no. not together. why because I finances combined yes yes. then how have we never made a budget. together.

I think it's just he's he's like yeah. you pay the bills I feel like I feel. like our bud you know the budget she. makes is our budget for the most part do. you even know it I look at it I reflect. on it um I talk to her about it reflect. on it. yeah do you guys sit down and go over. the past one's purchases together and. how that aligned with this magical. budget we do for our big expenses like. going out to eat we that's a big how is. that a big expense when we have so much. debt it's just one of our biggest.

expenses in terms of how if we have so. much debt how um so what you're saying. is um because we have debt we shouldn't. eat. out out specifically okay I'm guessing. it's not a cheaper way to feed nine. people or five on the minimum for sure. right yeah whenever we're spending like. that it's always like this uh we're in. this position where we're like um. sniffing you know smelling the Roses. kind of and I think he also roses this.

is a pile of I think he likes to take. advantage of um a woman's time of the. month what in terms of eating yes I mean. I've never heard about that for. restaurants what are we talking about. here cuz when when every woman has it. right and typically that comes with. cravings and so he's like he's you know. he's like hey let's uh let's go you. don't need to cook right now let's let's. go here let's go there him and the.

oldest are bad about that and you can't. say that you're. not depends on what we're old this is 11. why the are you listening to like hey. let's go to let's go to Chili's just put. him in front of a movie that's what we. did just cuz you all have snacks that's. why oh we do have snacks it's. true okay he didn't get to be the big. boy that he is uh Noah's not happy uh. that I just said he goes to menopause so. he says he says I have a an aggressive.

post show uh surprise great we did um we. did bring you an offering so you'd be a. little nicer to us I do have bad news. you're not going to eat it cuz you're. trying to lose weight yes I've been a. few looks good you even put the little. salt flakes yet they I also made so. these are chocolate chips oh they smell. incredible stop it I've been successful. for a couple weeks a few weeks but you. can have one two to three I'm down a. decent bit one I don't know if it fits. in the big Financial goal kind of ties.

into the cookies though okay so the. reason I want the coffee shop okay we. have a does sell cookies part of partly. yes you goods and coffee why don't you. open a cookie shop then because I really. like coffee oh okay I like coffee too um. so my my probably smells like coffee. sorry but no you're good mine probably. does too um my our 5-year-old is um. autistic and um through. him I've kind of learned I've never been.

diagnosed but I'm pretty sure I'm. autistic as well and um you agree do I. agree that I want yes okay. um but I want to open up the coffee shop. to employ um autic you want to be fat. look at them they just grab those. cookies and they're just throwing them. down back there wants to want there's. also matcha white chocolate those are. delicious y'all best you know they're. green tea they're good they're good for. you and if you don't want them that's.

okay but they're going to go in a safe. spot after I got them they're all y. y'all can men are not supposed to have. and I got so I can't eat them cookies um. so I want to open up a coffee shop to. employ autistic high functioning. autistic to make money people to teach. employable skills for them so you're. opening a business for not to make. profit well yes it profit is one factor. but it's not the only factor I know but.

that's usually how businesses stay in. business so if you have ultimate like. for example we want to help a lot of. people here we want to help a lot of. people here that aren't just on the show. that are in the audience we want to. contribute a lot to like local. communities I have so many ambitious. things can't do that if the business. doesn't stay open so the business has to. make money um so we already have so much. debt but we're considering is this a. pricking mortar no no truck we want to. start with a truck yeah it's still. expensive what are we talking 100 I. don't know my 50 to 100 maybe 200 my.

brother so my brother-in-law or not my. brother-in-law my brother um told me. that he would build me the. truck I would not trust that because. that's like the family project where. it's like yeah then they do it for a. couple weeks and then it's just like oh. life's got busy and mhm you're right. attention business owners what if I told. you there's a way you can cut your. business operations costs almost. instantly but Caleb there there's no way. that's possible well thanks to today's.

sponsor netsuite by Oracle it absolutely. is netsuite is the number one Cloud. Financial system bringing accounting. financial management inventory HR all. into one platform and one source of. Truth imagine net Suite as the engine. room of your business making sure all. aspects of your business are running. smoothly together with netw Suite you. reduce it costs significantly it's fully. cloud-based so there's no no need for. expensive Hardware just log in from.

anywhere and you're set managing. multiple systems can cost your business. a ton of unnecessary money and not to. mention is a complete hassle net Suite. simplifies this by offering one unified. business management site which cuts down. the cost of maintaining various systems. moreover netw Suite boosts efficiency by. integrating all your major business. processes into a single platform. reducing manual tasks and errors this. means more time focusing on your.

business and less on dealing with. operational headaches and guys this. isn't just my opinion over 37,000. companies have already switched to. netsuite they've seen the numbers and. experienced real profit growth so by. popular demand netsuite has extended its. one-of-a-kind flexible program for a few. more weeks head over to netsuite.com. hammer to get the details that's. netsuite.com Slammer start saving costs. and enhancing your business performance. today. thanks again to netu for sponsoring this.

episode I mean I've seen that a thousand. times you're right he Al I mean he told. me that he would Finance it so that we. can no no no no like he would use his. money to get it completed so you're. taking out of debt from him no. no would he own an equity position in. the company exactly. um or he don't want his money back he's. talking about just getting his money. back plus interest well special about. your confe and uh it's really good and.

if you I also make everything from. scratch so all the syrups that's. interesting I tried to do everything. completely well you'll be happy to know. that brand uh Noah says this matcha. cookie card and that the chocolate chip. cookie Al they're really good used food. trucks typically go 74 to 165 new food. trucks1 124 to. $265,000 I'm assuming everything I mean. that sounds like that's the fancier ones. with grills and friers and all of that I. wouldn't need any of that I would.

literally need a cargo trailer with the. espresso machine have you seen how much. it costs to like open up a coffee shop. dude that like the equipment to I mean I. know the espresso machines alone are. like upwards of 10,000 brand new 10. 20,000 okay okay okay that's the and. then and then obviously you need City. Licensing we got code things we got all. that then you got to pay for a place to. park okay but I I I think that's I want. to start heading into the okay it's just.

oh okay I mean okay that can be a goal. I'm just going to that makes me a little. nervous to hear that we're talking about. something so expensive when there's so. much debth now we're about to go into. the debt. um but I want I'm going to count three. two 1 go and on go I want you guys to. give me your household Financial score. your household you guys as a family. group you and the three kids High School. Financial score zero being the worst 10. being the best ever being the best ever. Z being the worst ever I want to hear.

where you guys think you guys are at. self assessment so again it's 3 to 1 go. and then I'm and then you say it on go. three two one two four okay so you guys. think you're a generous I don't know. well do you how so sounds like maybe. you're the person that kind of oversees. a lot of the finances are you even aware. of the household financial situation. absolutely I'm aware okay is he aware of. the household financial situation I. think as much as he wants to be he's. like the bills are p paid I'm good I. have food I can go outside and meditate.

I'm good outside and Med okay all right. well the fact that you guys have credit. ones I mean let's just start there the. fact that we have credit ones and a lot. of credit ones many of the credit ones. essentially indicates we're in finances. cuz that's like the bottom of the. barrel yeah yes I wasn't aware of that. though when I got I was not aware of. that did it show up in the mail yeah mhm. yeah the. up in the mail.

interesting it's the one like cuz it's. the one that they in instead of giving. you a credit line increase they just. open a new card for you yep and then. there's fees attach to that new card and. it just. $1,476 83 uh $75 minimum Mony payment is. what you made to it now it's. 74 um you made $26 of purchases what is. it what is it why are we purchasing out. a car that has $35 of Interest acre. $26 is that one of those baby bottles no.

it's uh the quickie what is that an app. development service the reflexology. socks oh nice it was a Mother's Day gift. I got for. her and his mother yeah the quickie yeah. they're like socks that have a thing. that tells you why in the credit one. though why do you even have this because. I didn't want her to see it or I thought. maybe she would she would have looked. but in my head I was thinking you know.

off the cusp and I was thinking hey if I. put it on the debit card she's gonna be. asking me question he was scared that it. was shady and. he also yes and then also it was shady. so I didn't want to put my debit card. number so you're putting it on the. shadiest of all the credit cards Shady. sh to be clear well let's talk about. deserve this thing's getting obliterated. with interest and you're literally. adding to it so because of that even. though you made a $75 minim monly. payment the balance only went down. $12 yep. whoa and that's what starts to happen.

four out of 10 I think. not right away from One Financial One. Main Financial we owe 739 here and. 58 $51 again purchases we purchased more. than the minimum to payment and then the. balance went up because we then had. $16.14 of Interest why $25 minimum. monthly payment but why why are we. putting more money on than the minimum. what are we doing this is two cards in a. R out guys uh I don't know what's on.

there you don't even know I don't. remember what are we doing well I told. you I forget my debit card at home a lot. no you need to chop up your credit cards. close to your accounts if you're going. to use a credit card use the Fizz card. cuz it's a charge card so you're forced. to pay it off. Michaels in The Children's Place oh yeah. the daughter my daughter got um she. soiled her pants and I had forgotten to. pack a change of clothes for her how. about let's stop forgetting our debit.

card and stop forgetting change of. clothes for things that diapers. yeah I mean yes but also I'm not going. to let her walk around with no of course. no of course not I'm saying prepared I. know prepared that was oh you know what. I think that was from because of uh the. oldest remember he was having that um. that event at school and that's why I. like I didn't want her to look a mess. there not that it helped because the. middle child ended up throwing up oh my.

gosh it was a tough. day. oh just be glad you don't have kids I am. thank you that's what I was thinking I. didn't want to say cuz it was you're. good we love our kids they're amazing. they're super smart it's just smart. enough to sh their own pants well you. know they haven't been taught yet and. the five-year-old doesn't understand yet. it's okay have to clean nose diaper. every day too. hopefully you didn't do something weird.

to those cookies so he's not. obliterating those pants in the post. show I did not they are not sugar-free. can uh cookies I. promise I just don't want her to like go. out into the public and people be like. judging me for being a bad mom if she. has of course I get that do you usually. pack spares typically okay so there we. go that's all I'm saying it's like the. debit card we can't like just have like. a list on your way out we're back to. credit one $521 with a $30 Min minimum.

monthly. pay this was all purchases $526 of. purchases on the worst card a hotel. stay yes where' you guys go um we went. to Corpus with our kids first of all no. was it Corpus no it was panis panis it. was Porto ranis okay I don't know that I. mean it's basically just the island off. of Corpus chy okay why guys why the the. the the the the the spoil thing in the. last one the gift in the first one now.

going on vacation if we have a goal like. okay I think we could probably have. better goals but I get it you want to. open our food truck that's fantastic. cool we have a goal we are pushing. ourselves so far away from that from. building our debts and not even making. any progress on them we're getting. further and further away so what is the. point of even having a goal without any. action what are we doing I I mean why. the are we going on a trip I put it on. the credit card and then my was that. once we when we got paid that next week.

I was going to pay it off so you could. afford it go to go when you got paid. then well we actually did have the money. in the checking account we just then. what then what I just I don't know I all. credit cards credit one is where we put. it I think I was scared I growing up I. wasn't given stuff growing up I was. deprived of things growing up and so I. don't want my children to go through. that but then at the same time I want no. saying deprived but you also just can't. afford it well you know what you're. depriving them you're depriving them a.

future of you guys being able to retire. comfortably without them having to give. up their own goals because they're going. to have to fund you guys because you're. choosing to live in debt right now you. know what you're giving up you're giving. up paying for their college because. we're choosing to live in debt right now. you're depriving them of that because we. want to go on a. port R Kansas whatever and one of them. might remember the other one certainly. won't and then one will but I think he. can handle going in like a year or. something I mean yes probably but also.

like making memories with our kids is. important for us memories is great and. we can do a lot of memories a lot of my. fond memories when I was a kid is we. would go to. the uh would stop at a hot dog St and. get like 50 cent hot dogs and then we'. just go to a park and like throw old. bread to Ducks you killed all the Ducks. well we didn't know that at the time but. um yeah duck genocide it was incredible. memories. and when that's cheap that's not us.

going on a we have those dates too good. but we don't have to go on a vacation. and spend $526 then you got to get food. while you're there and then you're doing. attractions most likely no we just went. to the beach okay well that's fine um. San Antonio do a day trip to the beach. drive back in the middle of the we done. that too yeah there you go have we. when's the last time we drove to the. beach for the day and then came back. home go to one of lakes I know it's more. Rocky but. I love camping yeah Camp she's not a.

camper she's one of those like does it. have AC kind of thing that's a lie the. last time you took me camping I was 8. months pregnant and that's true I had to. sleep in the. car more credit one this one's only at. eight bucks oh yeah wait that one I. don't really put anything an annual fee. because I would just close it you're. literally losing money not even having a. balance cuz Credit One is so yeah we. should close it guys I need you I'm. sending you guys to our investing.

program just like every guest gets. access to you sorry I keep saying the. investing one because that's the one. that came out yes you'll get that but. I'm talking about the budgeting one. especially for you guys. um you guys need to sit down you need to. learn what it actually means to make. sacrifices and do budgeting take the. quizzes together sit through it together. and actually learn how to budget do the. investing one as well but um obviously. we need to get out of debt for you guys. first okay Sam's Club do we have a Sam's. addiction. a a grocery addiction to or theine to.

bud I've seen people be stupid as. grocery stores I know just because it. has a grocery store name doesn't mean. have you walked into Sam's Club the. whole first sections TVs and phones and. computers like that's not that doesn't. make me feel. comfortable I mean we aren't buying. TVs better not be no instead we're going. on vacations when we can't afford it. well you know $678 balance with the $29. minimum payment these are going to start.

stacking up we don't have we're so. blessed to not have overhead and for our. uh housing situation other than. Insurance property taxes but and. utilities but you're just offsetting. that by going into debt and just fing. around instead of actually sacrificing. and being adult and getting out of it. $16 of Interest AC crewed luckily I. don't see any purchases thank thank. every no I think it's on the other one. oh good well that's. fantastic do you find it funny no do you. find the that situation funny um I mean.

not as serious as you probably see why. how see that could be dangerous that. could be dangerous not just for your. future but for the kids future as well. that's. dangerous uh. dangerous contextually or just dangerous. overall or how you remember what. happened when she was out for only just. four months these are minimum monthly. payments that are stacking up that are. due on a monthly basis what happens when. our income gets stuck in half because an. 18wheeler has a little whoopsy doops. you know what happens when a kid gets.

sick you know what happens when one of. them wants to go to college and you're. like I don't want them to go into sud. loan debt what happens if we ever want. to retire and I'm glad you have some. State funds. but not like they do incredibly well. anyway I mean I've been in debt I've. been out of debt and and now you're back. in all I care about is where we are it's. just a process well the process has. landed you in debt yeah again just. because you've been out doesn't mean. it's good right now we're in in in a lot.

oh this is a car this is. a this is like a half a salary car is. the principal balance what is this one. for $31,385. are they on it at all no no okay so you.

gave it to them they it was either that. or they didn't have a vehicle and they. needed a 31,300 she kind of pulled not. pulled rank but she kind of asked us if. you we're going to trade it in and get. another car and she was like hey can I. just make the payment on this one and. cuz they couldn't they wouldn't have. been able to be approved to get a car if. they weren't able to be approved how. risky is it to re for your credit is. relied on them making a $625 minimum. monthly payment just as risky as her not. having a vehicle 750 what just as risky.

as her not having a vehicle what and. like not to your creditation picking up. the kids start working well it's not. risk that's not risk I think he's saying. like if he if she didn't have a car they. wouldn't have been able to get like cuz. sometimes they'll pick up our kids like. if they're sick and stuff from daycare. or from schol I got that but even a uber. a few times a month is cheaper than. this yeah no 100% $750 a month we live. in the middle of nowhere I don't know. how you guys said San Antonio we're like.

on the outskirts we're we're in a. smaller city outside San Antonio okay. well I still promise you you can get an. Uber just might take a little longer. either way that's not even the main. thing here all I'm saying is there's a. big risk that this is in your guys's. name now. still and you have to rely on them for. what's their income situation um his. stepdad is uh disabled and um he has SSI. but plus uh long-term disability and.

then my mother-in-law uh works at a bank. she does wires IES yeah she makes. doesn't sound like the okay so we're. relying on a lot and now they live with. you guys right mhm they yes we kind of. moved into with them they asked us to. take over we're going we're going. to do our own thing but yes you guys. want to move out I think I would more. than him I don't think I would want to I.

grew up. there the. split what what do we do when one person. doesn't want to be there and one. does uh I guess it depends on how much. you don't want to be there versus how. much I want to be there I think that's a. I deal with it it's I mean it's fine but. um she had asked him to for us to move. move in and put him on the property.

because she was in the rear and they. were filing a lawsuit to take the. property and her dad built it in the 70s. when did you guys move in and when did. you move in cuz you moved in before me. 14 2014 and I I mean I I left obviously. and then he came back was working. downtown had my own spot for a minute. did my adult thing but then she lured me. back I she asked me to come back I think. she added him back in 20 or added him.

onto the deed in 2018 oh you're on the. deed yes okay but what's a Val out do we. know yes is what so we have property. with the house that's worth about. 325,000 and then we have two other. pieces of property that's attached to it. that's worth about two pieces you mean. houses land land okay or 75 yeah. okay yeah $750 payment in the hand of. others that one an okay income and okay.

this is a little risky yeah it's. actually very risky it's getting a. little more risky that note because his. mom is actually out right now on short. term because she can't walk because of. her knee yeah as of a week ago she uh. what are we doing she has I mean she has. Insurance that's why she has it and she. can work from home technically she just. has to get them to approve it cuz she. works with highrisk what's the interest. right on this 11. okay I'm yeah are you guys prepared to.

make a. payment when she can't I mean when and. if if we we've we've been waiting. monthly we've been like Hey whenever she. drops the ball we have to pick it up so. okay thankfully she hasn't yet yeah but. are you financing a car for someone else. especially someone that might not be. able to make the payment make sure you. apply to be on the show kale hammer.com. apply we'll talk about it. Event Event Event.

Event. Event oh jeez interest charging 40 bucks. Oh I thought this was a purchase oh it. is it's $85 54 cents of. purchases I don't remember more than the. minimum monthy payment of course I don't. remember using that card. $1,569 how do you not feel this is bad. 13 lines of credit if I'm not mistaken. 13 lines of credit and you don't think. that's bad you don't find that to be. stressful I don't find that probably.

because you're not the one looking at it. I mean I'm I mean my emotional State's. more important than you know me feeling. bad because of something that um. short-term at least I can't really. impact that doesn't make sense how can. you not impact it you have that no that. doesn't make any sense you have control. over your income you have control over. but do I have the money to pay. everything off in one month I don't you. mean shortterm that way not even like 6. months do I have the power to pay it off. in 6 months I don't know maybe but I'm. thinking month ignorance is bliss typee. of situation um I mean in part but the.

other part is um I'm more valuable than. the debt that's there so it's the game. and I got to play it so I'm not going to. game you're losing the game we're in. that depends on your definition of. losing well you know your net worth is. going down because of the debt so you're. losing that game sure capitalism I mean. yeah that's that's the game I mean the. deed is good glad you got that. wasn't of your own doing of course uh.

but it's still my right it wasn't of my. doing but it's well right because. someone else chose it to be but yeah um. I don't know that that's it's concerning. that you don't find it concerning I mean. I find it concerning but not enough to. Yelp about it or just get you know. emotionally distraught how does it not. emotionally distraught you though cuz. that's that's kind of wild I mean it. depends on your outlook of you know it's. how I perceive money the value of money.

in this hyper uh inflationary time. inflationary time inflation is 3.5% yeah. hyperinflation is like. 50% I mean we can manipulate inflation. but bottom line is cost a lot more to. live it's going to cost more every. single year if you don't take control of. your debt you're just going to make it. worse for yourself yeah but I'm not. going to be in a bad mood while that's. happening while I'm making the payments. be like I'm so much in debt that's not. making the payments buddy we're we're. only making the minimums and we're only.

putting more on them that's what that. kind of mindset gets to I'm not I'm not. saying sit there cut yourself because of. it but actually put in the work. understand the situation if you don't. know the situation you don't know how. dire it is and the consequences that can. come with it I can put in the work. necessary and guess what we haven't put. in the work necessary so it sounds like. we're losing the game. sure that could be a way to look at. it are you so LAX about everything else. every other concern every other problem. that pops up depends on your definition. of Le I don't know well the way you are. with that putting your head in the sand.

I mean I no I see good I see everything. you know the good and bad of everything. what's the good of. this uh I get to live I get to eat. because of debt uh sometimes that's how. it goes sometimes I have to be in debt. to do the things I want to do what about. the power of your income you guys make. over six figures we do why would you. need debt why would I need debt if I. made it's a it's a it's a tool it's a. tool to use we're we're not using it can.

at 30% that's a to not a good tool no. that's not a tool that's a hammer. bashing your head in you you made me. aware of that yeah for. sure. okay so $54 minimum the payment on this. one again these are stacking stacking. stacking all day went to a clothing. store. apology anthropology yeah which I will. say I didn't buy clothes oh what did you. get little bowls little fancy bowls cups. yeah little fancy cup because that's. more important than CU I make coffee. videos and coffee videos I yes I make.

coffee videos making coffee and I left. my debit card at home I was with my. nieces coffee videos making coffee. that's I hope so they're like those. glass cups that have like little charms. around them and they're super cute to. make videos with and they I don't know I. like them although my son decided to. break one of them but you know which one. what what which son or which is there. only one son no there the oldest W I. only have the youngest is a girl that's.

it naughty naughty she's. crazy yeah I don't think we're buying. overly expensive little cups when we are. literally the balance of this debt went. up again were is there any debt we've. seen progress made on so far no you said. the one went down $12 it was. something what am I doing okay and then. Dave's hot chicken because again that. $50 is more important than getting out.

of debt and getting to the one goal we. have hope we can sit down and Def find. our goals a little better but and this. one's at this one's a 31.2 four%. interest just that's that's wild that is. insane I don't even know if I've seen. that on a credit card Capital One at. least we got to a normal card I've had. that one since I was like oh I'm sure 18. it's a classic intro I think it was my. first one yeah balance 74. it's going to take forever to go through.

oh my gosh this pile is so thick this is. a thick pile $25 minimum monthy payment. oh my kill me now more purchases. $853 with interest of. $822 guess what guys the balance. shocking believe it or not it's only. like behaviors being demonstrated on. every single card so far but the balance. went up consolidation was a bad move for. you guys cuz you guys don't know how to. manage that I would close down your. credit cards I close the accounts like. close them and burn the.

cards cuz you get you guys just can't. manage it you just you don't have the. discipline to manage. it it was for a Wi-Fi data service for. your car it's the the OnStar OnStar okay. it's like the toy the Toyota like. whatever you can like see all the stuff. and start your car from the app from the. app like remote start you can't do that. with your remote. so you have to pay a subscription for.

that and it's like not even Tesla that. loves subscriptions makes you pay for a. subscription to start your it's like a. package you can like see the car you can. unlock it and then start it and and. OnStar and all that being able to see. our car in an app is worth not getting. out of debt you know I forgot it was on. that credit card would it matter still a. bill that could be going towards that. that I mean that's true I think I just. cuz it was only $8 I don't think about. it in terms solar we have a solar. loan yeah that's an estimate of how much.

we owe so they switched companies and I. don't have access to the account it just. comes out automatically the payment it's. like what's the payment. 360 these. minimums I think that one's a good. interest rate though cuz your grandpa's. cosigned for it right well it's. considered a good interest right I think. it's less than 5% I but I don't know I. know it's for 25 years that's all I know. man and I'm not opposed to solar either.

because I mean what is it it's like a. decade it breaks even in like a decade. and obviously this property's been in. the family for a bit and it sounds like. we definitely have attachment to I'm. assuming it's on the one you guys live. in right mhm it's not always the worst. thing the one thing that just really. sucks about solar is just every time you. get solar just next year a much better. version of solar comes out probably it. has so the the thing that helps us with. because we have solar is that um we.

don't have Central AC in our house so. everybody runs on window units so in the. summertime our bill could be upwards of. 78 $900 if we didn't have solar you'll. be surprised to hear this but I've. actually had quite a few people on that. on the show that have had solar and that. 5% is actually one of the higher ones. I've seen cuz for some the interest I. don't think I think it's less than I. don't know exactly but I'm pretty sure. it's less than see like two I don't I. don't even have access to I tried to.

figure it out but way it is another. minimum Mony payment yeah and the thing. that can be picked up and taken to a new. place though if you guys do get another. place we Tri the reason it triggered us. getting it is right before I moved in we. he there was a our electricity bill was. like $700 and he forgot to make the. payment and it um turned off our. electricity and then there was a. reconnection fee and stuff so when I. moved in I auto. payments he didn't do it back then I set.

up auto payment for most things I mean. he would just go in and pay it cuz at. the time he was working for tips so he'd. have to go in and pay cash how are you. guys deciding how and when things get. paid um just like and like who manages. and seem like a mess okay so you've. taken control I pay everything okay it's. the okay I go in Democratic Republic. Lily. sure okay which might be need to beat. how it is to make sure we don't miss. payments but I also want to just make.

sure you're aware of everything and that. the goals were fully aligned on and we. know what's happening especially since. you have the ability to spend as well of. course. Destiny second time I've seen this card. uh. $214 58 I don't think I used it balance. actually went down yay we had interest. charg of $710 minimum monthly payment. was made it's 40 bucks we didn't have. any. purchases probably cuz we lost the card.

or something no I have that we are. basically halfway through the year and I. need to make sure you guys are saving. your money in the right place in my. resources section in the description. below you can sign up for one of the. best high yield savings accounts there. are but you can also get $300 for free. with qualifying deposits you can also. get at the IC Insurance up to $2 million. on your money and get. 4.6% on the money that's just sitting. there it's exactly where I put my money.

why let your money lose money when it. could be making money it's the biggest. Nob brander in the world open up a Sofi. high yield savings account now and get. that $300 for. free no it's a 35.9% interest rate. that's the highest I've ever seen on a. credit card and I thought you guys. already passed that I've never seen that. 35.9% I remember when we were at 25 just. like two years ago I was like aren't. most credit cards like the in the 30s.

unless you get like that special. introductory one because you have. perfect credit bad ones are like. 29.99 apparently. not yeah apparently it just didn't get. as. bad oh here we go we're back to just. being stupid hey that's a normal one. what this is a normal credit card it's. not abnormal yeah but you went and. purchased again did. I yes how do you I don't I'm telling you. a lot lot of times I just grab a card. that I'm like oh I don't think this one.

has a big balance okay okay you know. what that tells us that means that we. can't have the cards you just can't have. them you can't have them yeah I should. probably put them in the safe then if I. my debit card I can't get gas oh then. you're stranded and you deserve it have. a checklist when you leave your house or. just keep it in your purse at all time. what your pocket like I don't care put. it on the back of your phone that's how. I forget it I put it in my pocket and. then I don't wear those pants back a. phone backa. phone how maglock oh I don't like those.

I don't care I'd rather you not like it. than be. stranded $226 55 $21 of purchases $5 of. Interest minimum monthly payment $35. we're stacking what they I don't know. whose credit this is but 623 is not a. good score that's. mine you know your credit score it's. it's about the same it's I think it's. about the same yeah the income to oh was. HB the income to Deb ratio what it was. still purchased on a card that's acre. interest and has a minimum monthly.

payment you are with the minimum monthy. payment and the interest is acre at. 27.24 per. it could be on a debit card. where no interest is acre I actually. think that was gas either way doesn't. matter it's still purchase whether it be. necessary or not was that a card that. you're not paying. off you're going to hate that I'm going. to say this but oh then why okay do you. want to know why I put gas on that card. why do you put gas on that card oh my. God. go do you know what I'm going to say it.

gave me 5% cash back okay that's why I. did it tell me why that's wrong be it's. CU I pay more in interest but yeah how. much more I have like how much more too. much how much I don't know what's the. interest on it you pay 22% more you got. 5%. yes then there's an additional 22. because it's a 27 yes so does that make. sense probably. probably not how is it probably how are. we at the word probably probably what's.

a bigger number five or 27 matth. teacher well my kids will try to argue. that five was more than 27 but that's. another and would they be right. obviously not. okay fortiva credit card okay so we just. found every credit card that. existed I've never heard of this one. they sent it in the mail too oh great. 794 I'm just going to start sending. people. if if this if. this if it's just about making money if.

that's just what it is apparently the. business to get into is like here I have. this High interest rate debt let me just. send it to random doors and people just. take it out and Max it out basically now. you're. halfway maybe I'm grumpy cuz I can't. have cookies but you can have the. cookies you just have to say yes no. they're Del self control guys but green. tea they're they're good for you no Y. and it has caffeine because of the.

matcha your boy is single 200 g your boy. is single and I already have a. disadvantage of being below 6. foot yeah that's. overrated tell the tell the right and. life left swipers really the only thing. I have control on right now. is wait so we are not eating cookies. $794 76 $60 minimum Mony. payment fees $1250 of fees oh it's a. maintenance fee of course this card just.

makes so money off so much money off of. you $237 of Min uh interest charge great. and you made the minimum but at least. you didn't purchase thank thinkk. everything in the. world I think he has one too it's at. 34.4 N I don't know how you guys found. these magical. cards almost impressive almost. impressive almost impressive oh my gosh. we're still going through it is 48. minutes into this and I am still going. through. debt what are we 1 2 3 4 5 6 7 8 9 10 11.

this is 12 mer. Bank yeah okay. 67522 you know what the fact is a lot of. these balances are under $1,000 so your. question what so your question of can I. pay these off in the next month yeah a. lot of these you could yeah Noah just. ran to the bathroom I think he's taking. a The Mach is not emergency liquid.

$518 of purchases when interest is. charging we're doing it again we're just. constantly doing it just ruining. everything Bill Miller Barbecue cuz that. was more important Rush fun park because. that was more important cuz fun is more. important fun is more important it it. was a birthday party oh good oh good. happy birthday I'm going to get out of. Deb how about. that and I'll get you better gifts in. the future well it wasn't all children's. birthday party we had to take our son to. a birthday party and we had to pay for.

the for you I'm trying to pay my debt. off wait we took our oldest to a. birthday party we had to pay for the two. younger ones to enter the Park yeah yeah. it's the only thing I will be okay with. okay not going to deprive kid going to. their friend their friend at school and. stuff like that we have a we have a. thing called the TP fund that I'm put in. your budget and that's where little. things like that go we try to Bill Mill. or barbecue absolutely not you're right. but AB CL thing to our school I don't. give a sh what the does that mean you.

know the closest thing to you when you. wake up the refrigerator get some lunch. meat put it between some bread I I agree. another Sam's Club told you we had two. we're. fans they're fans of you trust me. they're making that money cuz they. charged $12.71 interest on you you made. a Min monthly payment and you didn't. purchase anything thank you oh I didn't. yay sometimes when I purchase like for. delivery it like automatically charges. the card guys we shouldn't that's not. something we should be surprised are.

clapping about oh another. car the minimum the payments $1,094. $95 mhm yes what did we get it's a. minivan isn't it yes yes oh I didn't. know those was still existed it was. really hard to find this one which is. why we had to uh. so we had the Sienna the Sienna is the. one that we got into the accident with. and it got totaled this no not this one. this is the new one was a red one um how. did the insurance work for that did you. get it did it pay off the remaining they.

yes it paid off the remaining but in. November we had gotten a. Prius didn't work for our family um. why'd you get the Prius then I triy to. convince her to get the van but I think. she was emotionally distraught with the. accident and she was thinking hey this. is different we're going to save money. with uh getting better gas mileage it. was an electric Prius so it was I. thought they all were right I know there. the majority of them are hybrids but. this was a prime plugin so it did.

partially gas but partially electric so. I got like 75 miles a gallon sure and. then the payment was lower but um three. kids in the backseat of a Prius is not. probably not not considering my child. being 53 and 160 lbs so okay it was hard. 53 isn't that tall no but 160 lbs. between a car seat and a booster seat. doesn't work yeah to the fun park. somewhere yeah bounce around so we ended.

up no more cookies we ended up he needs. to be on the Caleb Hammer lifestyle yeah. he likes those cookies he got mad cuz I. wouldn't let him eat any of them yeah. let's keep that up so we recently traded. it in to get this one um oh gosh wait. did you have to exchange some of the. loan balance into this roll over ju not. a ton not a lot but yes but you did have. to yes couple. thousand um first of.

all I did not grow up Wealthy by any. means lower middle class for the vast. majority of my life luckily my youngest. brother who's uh going into high school. soon you whoops babies yes that's what. happens uh uh lives a better lifestyle. now uh CU my parents ended up making. some good choices but when we were poor. dude and they just had a beat her ass. sedan and all three of us yeah we sat in. the back. I know it's called literally just not. being able to afford things and you guys.

can't this is insane I will say being in. this in the van makes us feel more. secure and like we were in the Sienna. when we got into the accident and so. being in this one now we feel safe like. the 18-wheeler hit me dead like my door. my daughter was in the seat behind me. and it ended up nobody else got hurt but. me sure I had to have uh plates put in. into my col so wow but that was the only. thing that happened when if we were in.

anything else we would have died if you. look at the pictures I mean it was. completely total so us emerging alive is. a miracle I wasn't even a fan of the. sien to after the accident then I. realized holy Cal if we can survive the. 18wheeler I feel pretty safe so I'm. happy to be back in a Sienna safy safy. is great it's I I I don't know about the. Prius I mean they all have their. different safety ratings you can look. into it and yes. taller up technically can help with some. things as far as I understand but so.

it's not like other cars are just. magically dangerous either no but these. have roll cages these are like tanks so. like if you imagine like a race car how. they have those bars that's how it. protects you okay what what's the. balance of this 48,000 we just got. it yeah how many months uh. 75 you're not going to like the interest. rate either what is it that's that's 18. no are you. my life no what are you doing what are.

you guys doing to your future guys well. how could you sign this and how could. you see the number 18 and sign it at 70. whatever months with that many monthly. payment you guys are lucky don't have a. mortgage ho that was kind of our. reasoning was a bad reason we I mean we. can that gives you opportunity that. doesn't mean up more you're right but we. can't afford it no it's. just guys the car is worth. 31,5 well isn't aren't they all always. upside down like the first year uh yeah.

but not that's a substantial drop that's. a substantial. drop okay well what is that $17,000 yeah. did I math that right I will say the. Prius was upside down 14 they ended up. only needing to roll over did you put. nothing down for the Prius we put 2500. down for this. one those sales people made their. Commission. let me tell you this. car's that's.

insane a Target card we really have. every debt. possible yeah we have a lot. $271 minimum monly payment. $29 $74 of purchases it's still. happening with $58 of interest you. purchase more than you made on the. minimum monthy so shocker we didn't make. any progress who would have. thought I think we bought. diapers okay but on a card that is a. creu interest that you're unable to pay.

off again no one's saying don't buy. diapers it's how you're doing. it that's the consolidation loan oh the. consolidation loan still exists and then. we built up all the other debts anyway. yes it say it's I think it's almost paid. off if I hope so just can't believe. you girl you know math I do what this. this math isn't math and none of these. interest rates like it's is this is so.

bad and then you don't even think it's. bad so I don't this is this is like oh. this is wild I mean I think it's enough. to where we need to change our Behavior. we need to we need to figure out what. we're doing but I mean I'm not going to. cry over spilled milk it's not about. crying buddy it's about putting effort. in no effort's being put in into paying. off the debt maybe but into making sure. family can you know get what they need. flourish have good exp there it is fun.

wants for me experien is. Trump money Trump their college fund. Trump your retirement. Trump those are all those are all. hypotheticals we can navigate as we move. along but that's not how that's not how. retirement Works my dude retirement is. not a hypothetical retirement is. something that needs to compound over. decades in order to be able to have the. retirement necessary it's not of. hypothetical as the math teacher yeah. for sure I mean we can.

save we can save several we we do what. we we sa large amounts we just always. conversations are going to need to. happen here behind the scenes because. that I mean that mindset is not going to. get us anywhere financially speaking the. world is not just about finances this is. a finance show. but what what what do we have in. retirement do we know uh I think I have. 17 and he has. 21 because we just became teach like.

I've been teaching this was my fourth. year and this was his fifth 21's what I. would want someone to have at. about. 27 to make sure it has time to grow 40. you have two two decades. left for compound growth and tax. advantage outside of work accounts. before you can withdraw without any. uring any penalties two decades two. decades we want to usually utilize at. least three and a half Decades of.

compound growth so we're just very. behind very dramatically behind what's. the balance on this 7,000 how much. 7,000 okay that's the almost that's the. almost done what's the interest. rate I don't know I think it's like. consolidation so it's proba proba 25 26. yeah minimum monthly payment. $463 42. aant evant it's the property.

taxes property taxes over the course of. what right now it's just two years but. when we took over it was behind like. over 20,000 that's why they put him on. the on the deed so that we would pay the. taxes okay so they had put in a lawsuit. they were trying to take the house there. is more overhead. MH okay so. 10,000 do you have like a minimum monly. payment agreed on or we actually don't. because his stepdad is um disabled it it.

is deferred we pay so we don't. technically we paid theer is there. interest on it though no no they they. stop all fees and stuff when you're. considered disabled they won't ever take. the house from us but if he passes away. they could put in another lawsuit and. what are you going to do in that. situation we're trying to pay off cuz. time does happen no for sure um we're. trying to pay it off beforehand so that. we don't. we still make payments on it we pay 500. a month on it 500 a month on it yeah.

losing the house is the last thing we. would want to happen you guys are given. such a blessing of a situation I don't. think you guys you're really throwing. everything away because oh I think that. was was that the end of the desk I think. so okay 1 2 3 4 5 6 7 8 9 10 11 12 13 14. 15 16 17 given the opportunity blessing. of a lifetime that people would kill. for and we've took out 17 well we didn't. out the property taxes took out 16.

debts wait no I heard rumors of student. loans before we sat down oh yes we have. student loans I think I sent them I sent. mine uh how much do you 93,000 oh no. it's my bachelor's and my masters are. you you have. a they're all government yes oh okay are. you doing any public student loan. forgiveness yes where are you in that. process uh next year I can apply for the. fight 5 year okay and then they have 10. year what's your minimum monthly I don't.

have any minimum monthly and you I think. I'm 50 for my bachelors's and where are. you on public student loan forgiveness. he can apply uh apply this year this is. my first year I could apply I think the. fiveyear takes like 177,000 off of it or. something like that I could be wrong. though so how much you got how much do. you think let's forget the student loans. because you guys had an opportunity. where some might be gone but uh uh how. much do you think cuz you're more nonon. about it how much you how much do you. think you're in.

debt how much do you guys think you're. in. debth with with just taking away the. student loans taking away the student. loans not factoring in the student loans. not factoring in the student. loans I mean cars alone were over 70. yeah I'm going I'm going to you know 120. to 150 wow that's what I'm going to and. we really feel relaxed about that dud. you know that's a mortgage right yep. that's a mortgage and it's literally all. bad debt and then that's not even. talking about the student loans you're. pretty close $135,800.

29 none of it's good debt and we don't. seem to care about it. okay and if that was just 100. 123,000 if I went and I purchased. $123,000 in like the S&P 500 and in Mumu. or whatever know whatever the preferred. investing platform uh $123 I got some. spy just its average return on a yearly. basis I mean I don't really have to do.

the actual math on that You' gain. $12,300 $12,300 but instead it's sitting. all in bad debt that's again another. reason why that's searching because. that's half of what you have in. retirement essentially is what could be. gaining on a yearly basis just from. that. okay checking out $856 in here and Apple. Bill Amazon Amazon. Subway at least eat food gross when do.

we go to sub now there's your solar loan. more Apple payments bills in app who. knows what it is Amazon. Amazon Bill Miller Barbecue shocker more. in app Apple $21. 64 Amazon cocaa oh. vending machine going inside a gas. station getting some bull Amazon Amazon. PlayStation no play it's PlayStation. it's our.

sons going inside getting some absolute. Amazon Amazon. Amazon more Apple wait no Appliance. technology something con Appliance. technology. $169 it's our washer and dryer that's. the balance for our washer and dryer. what what do you mean is it a. debt is it rented no it's like the rent. to own rent to own at least it's to own. how much is left less than a thousand I.

get there's more de I think it's like. 900 there's more. debt I have to ask you just based on. this. conversation and don't be insulted or do. I don't give do you feel alone in. this um I think sometimes but I like. numbers obviously I teach math I know. but if one person cares about it how are. we doing the effort of the. household I kind of just let them know.

like hey we need to tighten it up we. need to not do so much do I not well. obviously that I know but then I feel I. feel bad I become guilty like I'm you. guilt Tripper not I don't think they do. it on purpose I think it's just me and. being a mom and wanting my family to be. happy and I love that I I love it it's. great but again this this is. goals it's a very sad moment and we've.

seen it happen on the show from the. parents side a couple times now when. people get to the age of retirement and. they literally have nothing because they. never sacrifice and they're just around. and then their kids have to put their. lives on hold to fun their parents'. retirement because no one's going to let. their parents die under a bridge and go. hungry oh my oldest thinks he's going to. live with us forever he's like I'm never. moving out he's 11 you'll figure it. out like I don't that dude will see a. one day and he's GNA fck like he's gonna. freak out it's going to change his life.

he'll move. out I'm pretty sure I'm not gonna got. save that for the I got to save that. that kind of talk for the Post. show sorry regular audience for the. inappropriate. talk Texas Best oh Texas Best it's a gas. station G station yeah he went inside. and got some bull got a drink prob. ice. Amazon. printful huh.

printul print toi print ify half the. letters are kind of cut off for me. printify well we spent 68 bucks there I. kind of wish we knew what that was Bill. Miller Barbecue going inside the gas. station get into bull sweet green it's. expensive Amazon it's okay uh Child Care. is that right will yes okay Child Care. obviously that's fair you're paying for. AI assistant Lucy. why huh oh that no I had purchased a.

jumpsuit and um it got refunded back. like a an outfit. close you it's Lucy and Yak oh okay. printify is a Drop Shipping custom merch. store oh that's what this is a shirt I. deserve a treat at least once a day no. you don't who the does you deserve a. treat no you're not entitled anything. clean up your and you can afford to get. a treat I will say most of the time I. make the treat myself that's good that's.

good that's a more affordable way to do. it doesn't mean we can always afford it. still but either way Sonic more in app. Apple $14 going to gas station get into. when gas station get into bull. we're constantly doing that we're. obsessed with that I don't think so oh. you guys need to look at your Apple. transactions then because we're close to. like 100 bucks now Bill Miller Barbecue. we eat at Bill Millers a lot yeah I. don't like it would have thought what. the we doing what's so good about Bill. Miller wait uh our school is the middle. of nowhere and it's the closest thing we.

can he guys work at the same school yes. wow he teaches eth I teach seventh. romantic uh we teach in different. departments so we don't see each other. very often but the point is uh we got 30. minutes typically and if we forget to. bring food we only have Bill mil no. we're forgetting we're forgetting we. walk outside of our house forgetting. things all the time for getting to bring. food it's either we cuz we cook for. everybody in the house so nine people. and so if we don't have let I can't pack. the school doesn't serve food that you. can have it's disgusting and it's $6.

that's less expensive than Bill Miller. but a few BS but I mean the quality half. quality is. uh I wouldn't even call it food so half. the time the students don't need it and. they get it for free glad I didn't go to. Texas schools yeah it's not glad you. didn't either yeah what does that mean I. don't know I was like is Michigan any. better well they teach you to put. condoms Amazon. nice Amazon going inside the gas station.

getting some bull McDonald's Bill Miller. Barbecue Taco gabana going to gas. station getting some bull going to gas. station getting some bull we do this. daily Amazon Amazon going to gas station. getting some bull yes we're not counting. gas okay we know the difference between. gas and not well in the Prius guas oh I. didn't have also when it says inside as. well and I don't think you're requesting. specifically $661 a gas yeah. probably W uh NWS um is that a WS $58. Coca-Cola vending machine going to gas.

station get some bull Amazon going to. the gas station get some Amazon. rocket money premium okay use it I I. think that was the first Tex best text. best Bill Miller Barbecue Tech best Old. Navy sometimes we do have to get some. things I don't know sometimes want some. kids grow out of clothes so fast yeah. like my daughter is not even two and she. wears 4T so she's gone through. Zer to three months all the way to 4T in. less than two years I'm happy I don't. know what that means but for toddler.

she's. two Wendy's yeah yeah Old Navy is a. pretty affordable way to go about it as. far as like buying like actual new. clothes goes. Wendy shisha Cafe shisha. Amazon Oh I thought he was going to say. something going inside getting some. bullsh McDonald's Rush fun park again. Pizza Classics n Nails getting our nails. dead make him do your nails Spotify. Bubble Bath Car Wash come on we have to.

car wash our stupid thousand hour. minimum I don't well espresso I thought. you liked coffee I do I have an espresso. machine and an espresso machine okay. let's not be lazy so my my. brother-in-law gives me cash and I order. the pods for him so he can make coffee. oh cuz they live there that's right. Amazon oh that was so much spending that. was absolutely. ridiculous is the kid in there an iPad. kit m. I guess kind of could he be buying. things cuz there's a lot of there's lot.

ofle things though he did that he did do. that as like a few years ago he had. racked up like $500 in apple payments. and we had to like have that talk with. him he's pretty good about asking but I. don't know we might want to check yeah. probably but I don't think is the card. attached it is the debit card is. attached to his uh oh guys well we. should probably check. yeah he's more of an iPhone kid now cuz.

he has his own phone no sure I got you. Amazon Wow Own 411 time has times have. changed I will that's not a negative or. positive thing I don't know cuz I just. don't know this is it's wild well he's. had a phone forever cuz my in-law but um. I don't know if that had the savings. accounts we do have money in Saving. which is your guys's like phone. bill I'm betting these phones are finan. $170 but it's six lines six lines you. can get 20 bucks per line though with.

helium what's that $120 oh yeah I would. rather do that would helium work for us. at the school cuz that's the only we. have AT&T because the only service that. works it uses the same Towers we can. double check we'll double check for you. to make sure cuz maybe it's like Verizon. or something but we'll double check yeah. we used to have Verizon but they uh it. didn't it never worked and in my son. like because of the 5-year-old being. autistic how you guys move the. civilization or something move the.

civilization move to civilization no not. at all oh okay well it's nice to be in. the country then we can't make excuses. about we walk outside and we sit in our. egg chair and drink our coffee and look. out into the yeah people can't sit. outside or have green grass anywhere. else for me my house doesn't have an. outsider green grass but you're also. probably like 2 feet from somebody else. yeah that's a deal break I never hear. them or see them I don't know what's. going on I feel like just clob whenever.

everybody's 2 feet from you and two feet. youart and somebody else can hear it or. smell it I don't think you guys know. what Suburbia is you you're talking. about living like downtown in a like not. even like a real condo talking about. living in like a closet or something. whatever it doesn't matter. $515 uh in that account and you made the. car payment transferred some money in. there was $20 taken out of a cash app. account okay it's nothing but oh but we. had fees anyway cuz we like to get.

everything that has fees oh that's the. this the savings I think so okay so why. is this sitting here and we aren't. haven't paid off some of the debt cuz. 4,500 in savings it's actually like we. typically save money we just don't use. it to pay the debts I mean so we did use. 2500 of that to put the down payment on. the van okay and then so right now we. have like 2,800 I say like throughout. the year like 10 to 20 generally we have. in savings we just keep it and just. allocate it.

10 we say I try to I tried to save 600 a. month I move 300 every pay. period but okay well that's 7,200 at. least once a month I end up transferring. from savings to checking to cover okay. well then we're just obviously not. budgeting again go through the budgeting. program please please and and a lot of. this of the 4500 was um when we got our. short this egg. I must have missed it you affirmed it it. was paid off at 36% interest when did.

you uh oh did it take the full 10 months. though I did a chair an egg chair what. whatever that even is it's those things. 36 comforable on loungy trying to have a. lounge it was on so it was on sale and. we bought it way to go and when it was. on. sale but a lot of the money that was in. the savings account yeah a lot of the. money from the savings account was from. the short-term disability from when I. was out that's what that most of those.

funds were uh what what carrier did you. say you needed we have AT&T that's the. only one that we get at school they use. T-Mobile no we had T-Mobile yeah it was. horrible okay I mean that's fine if it. doesn't work it doesn't work um okay. this is someone's retirement account. yeah so I so this is what's in there. right now that's mine yeah what's this. that one's his 21. cuz the. statements so if you look the statements.

oh this is his because they only. generate a statement once a year so this. is the last statement this is the. current balance oh so I had some older. ones as well no that's the so that's. what was generated at in August for me. but this is what's in there currently. because they only generated at the. beginning of the school year oh see. what's happening okay so like he started. for 21 for yeah that makes sense H we. made. it wow that was aggressive that was.

uh okay net money that goes to debt. $2,132 or 22.7% of your spending housing. 1.9% or $179 35 phone 3.5% or $. 32348 Transportation 8.4% or $779 29. obviously we took out the payment that. just hoping that your mom wait that. doesn't make sense well I guess that's. all that went to the car at the time.

well so the car the I normally pay the. car payment like for our cars out of my. the Capital One account yeah and then we. didn't see the ,000 payment hit oh cuz. we haven't paid our first payment yet. it's that new yes brand new like it. still paper plates on it kill me now 800. well for what it's worth mine did for. six months but that was me just being a. naughty little boy. $887. 39 uh or 9 .6% went to going to get. groceries 7.3% of spending her 8 $680.

when going out to eat unknown shopping. typically Amazon and the Apple bills was. $11,000 thank. 10.9% medical healthcare. 3% savings 1%. subscriptions 6% miscellaneous. uh things that do not improve. this doesn't matter just extra. $760 26 or 8.2% of spending other large. purchases 2 $370 or 25.6% of spending. there other large purchases for a little. more context.

there instead of the kid watching Space. Jam I should have put him through a. course career thing instead he probably. would have loved it to be honest he. actually codes his own video games and. stuff like that yeah oh. go okay he like wants to do YouTube and. Tik Tok and all that really yeah yeah he. wants to like make video games wanted to. see your setup back here but then he was. kind of denied he was kind of he was. denied oh I I'll show him it.

afterwards I can also uh I can also tell. him all that do you want him to know all. the bad things about this I am very. transparent with him about debts and. that we have a lot and we paid for like. do you want him to do YouTube and Tik. Tok I might I'm fine with it cuz if not. I can tell him all the bad things that. no one else sees that I also can't. complain about people tell me I'm compl. but I think he's he's just a very Tech. kid he has always been like last Su was. it last summer he made 16 video games. yeah his own make sure he never says.

anything even slightly nody like he's. never allowed to make one. mistake uh okay it was the hotel the. large purchases the hotel cash withraw. of $1,000 quickie printify bright wheel. credit card portfolio management. SSA and then even something at the. school district $781 oh the $78 is after. school for my the two older ones cuz we. have we get a discount for them to be in. after school care because their school. ends before we get out of work so they.

work in the they go to school in they. won't bu the kids to us other districts. do so they get to suck money from us. okay okay no it justes no one's obsessed. with whatever this post show surprise. thing oh it just. arrived and and it's going to make me. cry okay oh like Cry of happiness I. I have no idea who knows what this guy. does. uh net what hits our account net uh I. made a mistake by giving him a budget. for the Post show now he's abusing me.

with it I want to say it's almost. 8,000 by the way guys in terms of uh. income and spending in came. 9,98 which is great by the way but total. out net and this combines this means. debt going up as well was. 9,266 so we were in the hole in the red. last month okay. oh well some of it was door Dash and who. did door Dash I door Dash occasionally I.

try to that's how I pay the car payment. most of the time as I I try to make at. least the card payment an unknown and. then some zel but payroll is 7,748 oh. his brother his brother the younger one. um who just moved in recently we started. making him give us money. for yeah good oh for grocer is. especially good and then he's on our. insurance uh so he gives us what are you. doing door Dash. I like it saw opportunity to get out she. drives in complete silence and makes.

deliveries really so that's why you do. it that's the actual reason yes but it's. also uh I I don't want the car payment. to take away from our normal income so I. try to supplement it a little bit just. the way I'm reading it it's like you're. so Zen about the debt again but your. wife is running door Dash to try to get. out of De he stays home with the kids. he's like I'll I'll stay home with the. kids I'll hang out I'll play with them. you go do your thing he doesn't like it. that's why we started with your grandma.

and grandpa though yeah and like step. brothers and sisters and like a million. other people they can't they can't like. look after something that poops its own. pants they do but I mean okay what's our. utilities payment on a monthly basis uh. not including anything that anyone gets. what do you guys pay uh electricity gas. internet. 177 do you pay your home insurance anual. my my mother-in-law pays the home. insurance 177 for utilities okay that's. on top of the solar yeah debt payment.

minimums let me figure this out this is. going to give me a second here so much. clicking it's a lot of click. clack imagine teaching seventh graders. how to add all that up by hand no thank. you I would never like to see a seventh. grader again in my life hey we do a. pretty good job at it. $3,137 65 4 cents no I love teachers I. love teachers like middle. schoolers like the Devils of the world.

when you were in math like when you were. in school though it was probably like a. drilling kill like here's the for I was. the devil in school I was the middle. schooler who made my teachers lives. miserable we thankfully don't drill and. kill them we like make them use their. brains oh I I don't even I don't know. what method what whatever. $3,137. 64 that's our debt minim month payments. that's that even including the taxes. back owed or any of the student loans so. lucky you don't have payments on those.

y'all internet is that including the. pays it yeah she pays it. okay uh what was the phone bill one more. time two uh two I think it's like 268 or. something like that gas vroom vroom. drive both uh oh you share the car we we. go to the same car um so. we it takes 50 probably 200 a month cuz. it takes about $50 to fill. up car. insurance it sounds really high probably.

because it is it's 4.87 but it's with. his brother's car yeah does he give you. money yes yes guaranteed yes hases he. ever missed no no okay so what's your. portion 287 for our two vehicles we have. a paid off car I have a Camry 13 that's. what I typically drive I'm not I I'm not. into getting new cars those kind of. things you need it um I prefer it just. in in case something hits the fan I know. you're probably going to try to get me. to sell it but uh it'd be cool you yeah.

you can get like um 9,000 for it yeah I. could just uh right now if you guys use. my moomo 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 how like your your. your parents like can you not borrow.

that car how much do they really driving. she drives across the city every day she. goes into San Antonio it's easy 25 miles. 25 miles one way cuz that's where the. bank is that she works she but she's on. leave right now yes she just got on. leave a day or two ago oh gotcha okay. groceries I'm just doing you guys people. let them be adults kind of tough we buy. groceries for everybody uh not anymore. and if we don't I don't they're just. gonna eat our food they'll just lock it. up have a conversation what can we do.

here cuz we need to start we need all. the money to be going to the St cuz. we're dramatically behind retirement we. don't have a fully funded emergency fund. we're in a risky situation we have back. taxes yes but how much do we spend on. groceries like $1,000 is that really. like a ton. of that was for all nine of us we could. make it less we could we could we could. make. it I think we could at least at the very. least save 200 bucks from that that's. 200 bucks that could go towards that.

about 800 a month instead of a. th000 I mean I think that's realistic. guys have a conversation with them. they're adults they also bring in. money and if they don't they need to. figure it out $800 that's what you get. for groceries okay TP fund this is. anything else you need to survive in. life and this does involve like school. stuff or new clothes if that needs to. happen so uh uh diaper all that good. stuff 250 bucks a. month I think that should be fine cuz we.

have the two younger ones are both in. diapers still cuz. subscriptions when do five-year-olds. when do they get out of diapers he's. autistic he's. autistic he does he's just start I just. had my very first conversation with him. like a back and forth last week is that. why you're still in diapers. Noah thank. you uh for whatever is coming for. whatever torture he's given me I'm. giving him pre- torture because I know. he's going to deserve it my goal for the. summer is to potty train both of them so.

I'm hoping because s younger sister is. potty training that he'll figure it out. he'll tell us when he needs his diaper. Chang 11-year-old out there potty. trained yes good. hopefully uh medical anything ongoing. medical like monthly basis prescriptions. costs things to warp in uh gy. 50 it's 25 for each of us anything else. not in here that I need to include h. this is your starter budget you guys. actually nail it down but this is just. gives us an idea for a.

plan cuz it takes hours an hours to. build the first I think that's it okay. thankfully my brother-in-law pays for. most of the subscriptions so we can. still watch Disney plus and Hulu and all. that whatever you have cancel I don't I. don't think we have any okay we have. room that's the good news we have room. and answer your question what you can do. in a month is actually a decent amount. 7,7. $148 uh is what you bring. in now do you guys do the thing where.

you make your payments uh split uh 12. months a year or do you go good yeah. very good they don't let us do it um. only over 10. months okay good good. good. $2,578 is what you have left over on a. monthly basis it's a good amount of. money how much was sitting wait is the. 3,000 with the Highlander or without the. Highlander you're right yeah you're. actually right so so from the debt we. actually need to take off the 7 now you.

need to be prepared to pay for it if. they don't but 700 there is an extra. 750 so you actually have left over. $3,328 the fact that your guys' debt is. getting worse when that's when you could. have leftover is like that's so Behavior. driven it's just you guys need to have a. conversation beond the same page whether. or not you both fear the debt the same. you need to understand the consequences. and like what what your goals are and. what you want to do in order to get. there you need to figure that out and.

actually button. down and because of this I I rarely get. to do this it's exciting when I do but. just you know fun and stuff for the. family $500 $500 of a fund budget oh. taxes what the $500 that we pay towards. the taxes okay but that's not minimum. required you just do that okay $500. giving you towards fun okay okay you and. the kids $500 thank you and I usually. don't get to do that but you guys have.

the opportunity here I'm excited about. saving. now how many times have I told you we. need to stop eating out so we can like. save and pay off debts and you're like. tell that's to Mobility I want it uh how. much was in savings again right now. 2,800 and no no no 28 plus 5 so I. thought I saw more yes but that was. before we paid the payment so what. what's in there uh 30 33 32 yeah cuz. it's a across two two okay oh will the.

800 include dog food it could how many. dogs five we have five we have four okay. I'm taking 100 out of your fund fund for. dogs that works and now your fund fund. is 400 okay. 2,826 first month you're setting $1,000. to that aside into your savings and you. have a one month emergency fund if. anything goes. okay and there's an extra 1,800 left I. think for you guys just a especially for. you who you're not as like woo woo about.

the debt I think you're going to see. more reward and. excitement by doing snowball which is. marless the. largest so kill. immediately so many deaths here I don't. even know what's the smallest kill. immediately Destiny that's killed off. what do we have. 1,800 so we we just killed off 214 kill. Target 271 and we still have so much to. play with wish this was in a sheet that.

I could uh kill the Discover It. 226 kill after that it's going to be one. of these uh oh 600 no 500 Sam's Club 509. still at 580 wow we throw that 580. to Mar uh nope we pay off credit the the. credit one that's at 521 cool there we. go that's the first month and you guys. literally just paid. off five cards five cards Capital One I. mean Credit One Credit One absolutely.

and then you have a one month emergency. fund one month emergency fund and you. killed five cards all in one month so. yes what you can do in a month a lot and. that's with you having $400 of fun money. nice so there's good things that can. happen here from there the rest of this. debt um let's add up the credit cards. not mom's car and every single de you. pay off also is is more money on monthly. basis they can go towards that that's. why they call the snowball just. snowballs and snowballs yeah I've heard. Dave Ramsey talk about it you've heard.

Dave Ramsey I've listened to Dave Ramsey. since I was like in high school yeah a. really yeah so I don't I try not to. listen but you're there so long that. things kind of make it in I mean it's. not that I try not to listen I know I. just said that but it's just uh I don't. know it's not as uh entertaining. watching him as maybe watching you. well thank you no I love da he I think. it's hilarious when he gets mad at.

people yeah that's that's the cool. part uh so the 12,266 of credit card. debt and the consolidation should be. gone oh I was like and I was like I. don't think we have 12,000 in credit. cards uh should be gone in four months. four and a half months will turn it to. five so six months total after the first. month so 6 months and you're literally. credit card debt free and consolidation. free that's insane that's really good. solar probably monthly payment till it's. paid off you know high five when you do. it um I'll do it then with the money you.

guys have left over honestly the Soler. should be done or the taxes should be. paid off in three months really should. at that point so it's nine months. student loans hopefully. forgiveness but that's not eating out. then it's the car and I really think. just for safety of your life and the. minimum Mony payment I really well. especially because the interest rate's. high if it was at like 3% and it was for. four years then I'll be like okay. minimum monthly payment. but so we're 9 months in let's say it's. at 40 47,000 because it's all going to.

interest right now. anyway divide that by probably the 3,500. you have left on a monthly basis at that. point and that does take over a year. that takes 14 months but that's okay. because two years a two-year total. process twoyear total process to get out. of how many debts did I just add up. that's wild that is like literally for. the average guest that comes on the show. that's like a like. a two decade Journey you know you guys.

are Beyond bless and you need to take. advantage of it if you don't it's it's. literally like it's the biggest waste of. an opportunity that I think I've ever. seen in the history of this show you. guys have two years and you can change. your life six months after that not even. six three months after that because your. overhead will be so low at that point 3. months 3 to four months after that. you'll have a six-month emergency. fund less than two and a half years and. your guys' life is completely changed. and then because you have such a low. overhead just 20% going to investing for. the rest of your for the rest of your.

life uh or until retirement you guys got. to play a little bit of a catchup game. maybe 25% 25% but you literally. essentially because of the low overhead. have 60% to play with for. fun you guys are living like crazy you. guys get to travel and do all these. crazy things and give them the. experiences to that that guy out there. ISD will be 13 at that time you can. climb to Europe I'm not even kidding.

that's not even over exaggeration and. that's while you guys are catching up on. retirement at the same time having a. fully funed emergency fund and not. having any bad. debt I would move to see if the parents. could get a loan of some kind and try to. take the car out from under you just to. minimize risk student loans you know. were you know uh but that would clear. things up like you guys you could have a. celebrate trip in 3 years cuz you'll. save up some money cuz it'll cost a lot. of money to you know take five people. but Paris you guys could do.

it that's well U that's well you know. framed well so I'm I'm I'm a board it it. takes two years of sacrifice are you. sure cuz you say that and then we went. we did go one month without eating out. at all we spent 00 to eat out a month. yeah I felt good I dropped some weight I. was feeling like younger you know guys. $400 hour a month and you're literally. able to go to Paris while catching up on. retirement in 3 years I mean like what. what what are we even doing here that's. the most no brander decision anyone.

could ever make MH yeah so that's where. we're at today um make sure you guys. stick around for the Post show Noah. really wants me to plug that. today whatever is so do I have to cancel. my patreon for you yes. okay I actually enjoy watching the post. show no thank you it's I mean we put we. put work into it but only if you can. afford it you can get it in two years. can I put it into that $400 you can put. it into the fund money it's taking away. fun from him but yes you can put it in.

the fund money cuz I gave you fund money. okay spending in a budget right now. obviously we were over by 200 so we're. going further in the debt so spending in. a budget zero out of 10 again you gave. yourself a four or you gave yourself a. two of the household. debt zero back taxes yeah it's not. really your fault but with where the. debt is this is so beyond. horrendous yeah that is a zero out of 10. because the back taxes but again it. wasn't your fault but it is attached to. you emergency fund we do have a start of. it 2 out of.

10 three out of 10 retirement again we. do have a start pretty behind for our. age I think we're at about a three out. of 10 there real estate paid off real. estate that you are on the title for. it's pretty. darn and at 400,000 uh if people don't. like that I like to have uh like a cash. flowing property or two and I'm just. thinking of the best of the best is 10. like eight is still an insanely great. score right but people like you know. they're upset when they don't get 10 8. out of 10. though my dream is to buy a rental on.

the. beach sure that's like way way way down. the line but yes but because you guys in. the first two categories Hammer. Financial score is still a three out of. 10 so it's actually in between what you. guys said make sure to check out all the. resources Linked In the description. below is that are what I use or would. use in specific situations make sure to. stick around for the Post show and make. sure to take our investing program so. you can take control of your life. finally and it's basically free with the. cash gift you get from Mumu stick around. for the Post show today on the financial.

audit post show so why is he going to. cry that's exactly what I'm teeing up. right now it's a roast of Caleb Hammer. happening every time Caleb hooks up with. a girl he says like And. subscribe every episode is titled like a. weird video but that makes sense because. Caleb's favorite category is a father. telling his son he's proud of his. YouTube. channel that was good that was thank you. thank you yes to watch the financial. audit post show click the join button. below.