You’re Going To Hate Her | Financial Audit

You're putting your mom in a near $1,000. loan. She will be okay. This is your. mom's risk. If you die, she's hurt. What. the are you talking about? Shut up. She. gifted me thousand the year before. She's not just going to keep gifting me. money. You use people around you. No. one's ever said no to me. Your mom's not. here. You're Well, when she dies, don't. I get money from her? Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my.

cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment below. Hi, I'm Elila from Long Island, New. York. And this is Financial Audit. And how old are you? 30. Okay, that's. that one. Yeah, that's okay. What do you. do in Long Island for a living? I'm an. ultrasound tech. Cool. What are we. making? Well, you just told me before we. were filming that you're married, right? Yes. Yes. So is do we have a dual. household income here? Yes. Okay. What's.

the household income? So if I look at. pay stubs alone yearly we make about 12. You don't know your salaries. Well I work extra or he'll work extra. but in general hourly I. make 54. Is it 120 before taxes or after taxes a. year? Well, on paper it's 120, but um is. that after taxes or before taxes a year? Taxes. But in general, the last few.

years I've never made 120. I always make. like 140. Okay. This year though. Oh, why? I ended up. getting like a pay decrease because we. used to do same job, same place. Nothing's changed. I just we used to do. call and now that's off the table. So. instead of getting that extra $1,000 a. month, I'm getting not $1,000 a month. So each month, So what's it going to be?

What's the household income going to be? When does that change? It changed last. It already did. Okay. So what is the. household income going to be? Uh it. ranges between 5,800 to 7,000 a month. after taxes or before taxes? After. So what can we say as an average then? Based on what you've experienced, what. can we say is an average? I will work to. make what I need to work. So, girl, what. the can we say is an average that hits. the We can.

say 3000. Okay. 6,300. Now, Long Island. Yeah. Not cheap. No. How we doing? How's. the hustle doing? You and the husband. How's the husband? He's great. If he. wasn't there, it wouldn't matter. Is he. too much of a What's going on? No, he's. working. Okay. He knows he's not the problem. How. you guys doing? Oh, so self-confessed. Okay. Come on. How are we doing in Long. Island? We should be doing okay. I make.

pretty good money and our mortgage isn't. bad. And we have a tenant who helps. Really? So, we should be doing okay, but. somehow we never have any. You have. $7,000 of high interest bad horrible. evil debt that'll destroy your life. Yeah. Before the mortgage. Okay. So, if we have someone that helps. subsidize our lifestyle by being a. roommate, and that's fine. It's not a. bad thing. You know, subsidy doesn't. mean a bad word. But how are we. struggling then? How are you struggling. then? You bring him down. I don't think.

I bring him down. But, okay. But he'd be fine. He'd be doing whatever. he is doing without me on his own. Like, he's fine. He was fine living in a $400. apartment, you know, like. But what's. the struggle then? What are we What's so. wrong? Why are we in so much bad debt? Like, how are things so if according to. you when we're making good job? Yeah, exactly. So, you would be bringing him. down. No, he's fine.

Make that connection to me. No, he's. doing great. Everything. He would just. be living a cheap life if it wasn't for. me. And you know, it's not my it's it's. not my fault. I'm not holding him down. Also, I'm the problem. So tell me, please connect that somehow. Well, he's. he just gets to enjoy what I spend. money. But that also means he's going to. enjoy the consequences of you guys not. being able to make a payment if. necessary. So, you know, there's another. side of it, right? Whenever we have to.

talk about finances, I try not to really. give the full picture to my husband. because I don't believe there's any. reason for both of us to be worried. Hold the. on. That's I'm trying to process this like. he should be able to process the. information after you give it to him, but you just don't give it to him. What. the. why? What? Just the fear of worry. Well,

what's the point of us both worry? So he. can be informed. What if the guy like he. just doesn't know what's going on in his. own household? Do you guys have kids? Not yet. Not yet. So, kids are going to. come? Yeah, that's why I'm here. What the We're No, we are trying to get. ready to have kids. Okay. So, they be. [ __ ] great. Get it. Okay, that's. fine. Well. done. But he doesn't get to know what.

the state of the household is, and he. wants to bring a kid in the world. And. he think, see, here's the thing. One, it's kind of not fair. I mean, did he. ever request not to know anything? You. decided that for him. Two, a kid's. coming in. Maybe he thinks a kid can. come into what he thinks the house is, but he doesn't know what the house is. cuz the wife is keeping things from him. Self-confessed and almost proud of it. Well, we're going to get it settled. Like, he has he knows and he's taking.

care of them. Okay. What does that look. like then? So why do you get to be the deterine. determining if he gets to know? Well, it's not about what I want. Like. obviously I don't want to be stressed. about money. It's more so I don't want. us both to be stressed about money. That. is your choice though. He's not getting. a. say. Why do you get to be the choice. maker? I have asked him in the past, do you. want to talk about the finances? And in the moments when I have asked.

him, he said he wasn't mentally prepared. to talk about them and then I just. wouldn't bring it up again. How long ago. was that? Well, cuz you guys are trying. to have a kid now. Yes. And we did talk about them a little. before I came on the show. Not. everything, but most. But how are you determining what he gets. to know, what he doesn't get to know? I'm I'm I'm so confused that just like. you're the arbiter of this. Like you get. the [ __ ] You're the king. No, I make.

a little more money so I pay. You guys. are a household. You guys are together. How long have we been married? It'll be. four years. Exactly. Four years. Do you. not consider yourselves a partnership? Of course I do. Then why doesn't he get. to know what is happening in the. partnership? He can know if he can know. if you choose not to. He He wouldn't. know to ask even necessarily. drip feed him information because. recently with the $1,000 I'm not getting.

anymore. It's we have been struggling. and I'll joke around like, "Oh, we're. poor. We're poor." And then he gets so. like we're poor. I can't Okay, hold on. I have to explain this to you. You know, it is more stressful to have a hint. about a situation and not know the full. picture than knowing the full picture. If you know how bad the full picture is, but you at least understand it, that. helps you. That makes that means you can. plan. If you don't know what is going. on, if you get the if you get the can we. talk text, that is more anxietyinducing.

than having the conversation that that. leads to. Right. So, drip freedom. Oh, we're Hey. Hey, we're struggling. Isn't. that cute? Aren't I so cute? I'm such a. good wife right now. No, that doesn't. help him. That's just what? No, it he. doesn't know the other side. But I know. him better than you know him. Is it. working? Is it working? It is for our. mental health. Wait. Oh, mental health. Okay. In the mental health when we lose. our home because we can't make a. mortgage payment. Oh, that won't happen. Won't happen. How do you know? You don't. know. That'll be the first thing I pay.

First thing you pay if you can. I will. always be able to No, no, no. What if. you lose your job? You already got a pay. cut. You don't know what's going to. happen. He could lose a job. You could. lose a job. We could enter a deep. recession. You've never lived through a. recession. You don't know what is. happening. Like a real deep recession. In the healthcare field, we don't get. affected by recessions. You've already. got a pay decrease. Well, that's because. they hire. And that's not saying you. like borderline don't get affected. You're one of the least likely to. doesn't mean that in a deep deep deep. recession you wouldn't experience.

something. Maybe long you don't know. what how anything can happen that it's. the unknown of the world and you're not. prepared for that. You don't need an. emergency. You don't know how the. healthc care field works. Oh, please. tell me cuz I definitely don't come from. a family of healthcare workers. Please. Oh, you do? That's nice. Well, I'm just saying we don't usually. get affected by the recession because. they're needed as much as much. There. are still funding issues here and there. You never know what can happen. You.

never know what can happen. You never. know what can happen in the world of. legislation like when the Affordable. Healthcare Act was passed. You don't. know what could happen in the world of. repeals or uh you know someone comes in. and does singlepayer. Like who knows? There are always things changing. You. really see that one coming a bit more. But I'm not saying you wouldn't lose a. job, but who started the conversation. when they got a pay decrease in their. perfect job that is never affected by. anything? Yeah. Yeah. Well, and also. just one part of the puzzle there is him. as well. Income decrease. It's And we.

knew it was happening months in advance. It wasn't out of the blue. It was still. money. Yeah. Money that you're required. to live on. Now you're drip feeding him. that you guys are struggling because you. lost it. What is this confidence? You've never. lived through a bad economic time, right? Well, I've lived through them, but obviously I was a child. Yeah. Yeah. You're like 10, 10, 15, something. like that. It's okay. Yeah. You don't.

understand the full historical context. behind things like that. Like you are. you I I will never be able to get into. the. mind of yours. like you have no fear. There's nothing to be scared about. You. just think it's going to be like this. forever. H you've never experienced I'm not. worried about a recession because that's. my problem. That's one of many things. And you don't know what happened. You. don't know what happened. Uh New York.

City until recently where population is. starting to climb, you know, has had. population decrease. Let's say that. affects Long Island. Let's say, you. know, people are leaving coastal cities. They're moving to places like Tennessee. and Texas. That is something that is. happening. Okay, let's say that happens. and it affects Long Island more. There's. less patients. They downsize a hospital. You don't know what can happen. There. are so many things in this world can. happen. And that's not doom and gloom. That is just you not putting yourself in. a financially vulnerable position, which. you are in. Having a $7,000 debt, not. allowing the other part of the household.

to know what is even going on because. you are the one who gets to choose what. he knows and what doesn't he doesn't. know. Like, okay, that's fair. And also, maybe he's not recession. proof. I know we're keeping his stuff a. little more private. That's fine. But. maybe he's not recession proof. I don't. know. And then all of a sudden, okay, boom, you just struggle losing $1,000 a. month. What if you lose, let's say he. makes 40% of the household income. Let's. say you lose 40% of the household. income. Then what? Yeah. Come on. It's. not just you. I know you're acting like.

it's just you because when it comes to. the information you share, you act like. it's the information that's just you. Well, it's not like it we only want to. rely on the job. I do want to make like. an emergency fund. Great. You have. $70,000 of bad debt and you haven't. changed a thing as far as I can tell. probably. I mean, you're on the show as. he's spending on this first credit card. I know. I've tried to stop spending, but. then I have no cash, so I have to use. the credit cards. Wait, in your mind, what the does that. even mean? I I would love to hear you.

flesh that out just to be extra. extra sure. What you mean? I I think I'm. paying too much to the cards. You put the money on the cards. Put too. much on the cards. You put the money on. the cards. Who the [ __ ] do you think you. are? Oh, I got too much of my mortgage. I'm giving too much to the bank. You. decided to get the mortgage. I'm putting. too much to the [ __ ] car dealership. You decided to get that car. You spent. on these credit cards. You're putting. too much to them. Sure, I agree. You are.

via your choices, not they're forcing. you to. You did this to yourself. I'm. only doing the minimum on my main cards, but then there are the cards that I did. the zero APR promotions and those I put. more money on to make sure. specifically like they go down before. it's not 0% APR. So, I know I'm spending. too much to pay those off. and then I. end up with no cash and then I can't pay.

for groceries. If you're ending up with. no cash in this situation, then your. priorities are you don't know where. money's going. You're not budgeting and. you won't even talk to him. So, let me. go what how much what percentage is he. even aware of? Uh. I know you guys just had a conversation. right before coming on cuz boom, it's. going to be on the internet. Yeah, probably. Yeah, good. Smart. 90%. Yeah. was it before that? And why not that. extra 10%. What [ __ ] character unlock. does he have to get?

Um I don't know. Maybe I just forgot. But great husband out there. She just. forgot. She just forgot about you. She. just forgot you existed. No, about the. debt. Yeah, debt that impacts him. Well, it wouldn't if he didn't want it to. What? What are you talking about? Like. it doesn't If there are assets that you. guys If there are assets that you guys. hold and you guys are married upon death.

that he would be required to not in New. York. for any of the debts any of the debts. even including the mortgage. If he's not. on it doesn't affect him. Well, yeah. No, I'm talking about keeping the. assets. Well, yeah. He'd lose the house. That's what I did. You not hear where I. said keeping the assets part? Well, he. No, he could keep the house if he could. pay it, but he couldn't keep the house. if he can't pay it. So, he wouldn't lose. anything.

Uh, probably not a loan cuz it does take. both our incomes to pay it. But he could. sell it. He doesn't lose. Okay. But on. the statistical likelihood that you do, you guys do make it. Yes. You know, survival. So, I would say that impacts him when it. sounds like the bread winner is not able. to funnel the majority of her money. towards the things that we want to do. like uh having a kid and has to funnel. towards all the debts that she chose to.

take out but not allow him to have that. still impacts on whether or not you're. alive or dead. The things you're dealing. with now and where the money from the. household has to go to impacts them. Would you not agree? Well, that's why. I'm here to figure out. That's not an. answer. That is not an answer. No, I can. help you figure it out. Yes, that is not. That is such a deflection. That is such. a stupid answer that everyone gives when. they get pushed into a corner. No, that's why you're here. I get that. I am. asking why you didn't. And I'm trying to. You just said it doesn't impact them and. I'm trying to tell you it does. Don't. say, "Well, that's why I'm here to fix. it." No, I'm trying to figure out why.

the that was in the first place. That. way I can give you a path out. Why? I. think it doesn't affect him. Yes. Well, if he wanted to get divorced for some. reason, it wouldn't affect him. And if. he wanted to open a credit card in his. own name, it wouldn't affect him because. he has his own credit. He's his own. Yes. You're going on low likelihood. things. Low likelihood of the divorce. cuz we're trying to affect him. What does he want? Lady, you seem to see it as yours and.

his everything. We're not talking about. the divorce. We're not talking about a. death. We are not talking about those. things, the lower likelihood things, because you're trying to have a kid. So, I doubt you guys are in the world of. divorce, right? Okay. I'm talking about. the things that you guys want to do as a. household for your kid, for a potential. future mortgage, you know, minimum. monthly payments across the board, grocery payments, any kid to summer. camp, can't pay for college, doing these. things we want to do, retiring as a. household. What your finances are deeply. impact that because money has to go to.

the minimum payments of the debts that. you have taken out without his. knowledge. How would that not impact him? So you. meant in the long run even now the money. from the household that is coming in. still has to go to the minimum payments. that he is not aware of. How do you not. see this? How is this conf how is this. confusing? Please allow me inside that. brain because I'm confused. Want to. spend any money. That doesn't answer my question in the. slightest. That's me saying how like. you're saying it affects him now cuz. there's no money. He doesn't want to.

spend any money. The dude does not have future. goals. Does he want an emergency fund. for when the baby comes? He should. I. hope he does. How the often do you guys even see each. other? Have you had a conversation in a. year? That's the plan for this summer. He's working extra and I told him, "Don't let me see any of the money." No, not to save. So, why does he think he.

needs to go get money? Why does he think. that? Cuz we want to have a kid. There we go. Okay. So, there's a goal to. have money for a kid. Yes. Okay. So, that's a goal we both realize. Then you. having to send more of the household. income out because of debt he doesn't. know impacts that. Impacts his goals. Do. you not understand that? Do you not. understand that? Well, now that you've. spelled it out, yeah, it makes sense. Okay. We did ouring ABCs. I'm glad. I. didn't know we were back in elementary.

school. [ __ ] cognitive exercises. How. did you not realize that? that. Oh my. [ __ ] I'm just like, where are we. starting? I'm not trying to be mean. Just where the are we starting because. I'm only spending the money for myself. No, but it's that he Oh, you It's not. about spending the Oh, for you cannot be doing this to me this. early in this conversation. I I don't. want to crash out today. I don't want to. crash out. These conversations are too. much. Oh, it's alsoing hot in this room. Yeah. I'm telling everyone to turn down. the AC. Listen, lady.

It is not about the spending. It is not. about the spending. I'm sweating. Am I. having a stroke? It is not about the. spending. It is not about the [ __ ]. spending. It ain't about the pasta. But. it is the fact that there is debt that. he is not aware of. It is that cuz those. are minimum monthly payments that are. required. Do you not understand that? It. is that about you and going getting a. donut. There are minimum monthly. payments that he is not aware of. He is. not aware of 10% aware of them. He just.

doesn't know what they are from. No, no, no, no, no, no. You just said he wasn't. aware of 10%. And before the. conversation, before the conversation. you guys even had because he knew you. were going to be exposed on a public. platform, so all this is going to be. done. Then it was probably like 25% he. wasn't aware of. So what the [ __ ] are. you talking about? You just said he's. not allowed to wear know the situation. The latter what you just said is. correct. Now he knows what 100% of. minimum payments are, but he doesn't. know where they came from or the balance. of the debt, stuff like that, right?

Well, I didn't even know. I didn't even know it was. 70,000. So, nobody knew in the house. If. we're having a baby, we should know how. much highinterest bad debt there is to. pay. Yeah, private student loan debt can be. overwhelming. If you're seeking a more. affordable way forward, Y refi is here. to help. Unlike traditional lenders, Y. refi is focusing on your desire and. ability to repay, not just your credit.

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theinging first place? We're about to go. to these documents. Give me some context. here. He I obviously he wasn't aware of. any of it until just like a day ago, right? So please tell me. Well, when we. got together, combined, we had 30,000. saved. Then we moved in together. Combined? Yeah. How much did he bring? How much. did you bring? He brought 10. I brought. 20. Okay. Go on. Yeah. Well, I was very. fortunate. That wasn't from my own That.

wasn't from my own power of saving. I. just had a lot of help. So, um, right. Optimism. We moved in together. It was. my first time living alone. I wanted to. buy all new. things. Um, I wanted him to get a new car cuz he. had no. AC and his windows didn't work. So, I. kind of forced Transportation Halfway to. Isn't there? Isn't No. Well, in the.

city, but we're not in the city. How far. away are you? I'm like a 2hour drive. Okay, keep going. So, yeah, you need. your own car. Um, so his car was owned. outright, but I made him get a new car. Too much detail. Okay, I don't need to. know about a single car purchase before. How the did we What happened to that. $30,000? He took half and put it into stocks. Into stocks? What does that even mean to. you? I don't want to know about it. I don't want to know. It's still in.

there. I don't know what it is. You. don't want to know where his investments. are at. He doesn't want to know where. your debt is at. Is you think that's how. this works? OnePlus 1 because one day it was 50,000. and the next day it was 10. So I don't. want to know. Did he hold or sell? He. sold a little bit to get his van for. work. But but no, that was only like 4,000. So. he lost it like it went up to 50 and. then dropped back down. So I don't want. to know these meme stock trading. No, it.

was just. like maybe I don't ask. The S&P 500. didn't do that kind of. He only did it. that one year and now it's just in a. stock and he's left it. A stock. A. stock. You don't know what the stock is? He told me, but I don't remember. Something with an E. Something. Uh, ask him. Text him. Okay. I'm so. curious. To me, that's just like his. money. I just let him do his thing. Why. are you guys so independent? You're not. You're trying to have a child together.

Well, we're not independent. What? my. debt, his stocks because he's good with. money. So, I don't want to be a clear. not if he's with you. If he also sounds. like he invested in a meme stock, so I. don't know if he went from 50,000 to 500. or whatever the It wasn't like GameStop. or It wasn't like that. Gametock. It. wasn't like that. Um, never heard of. that one specifically. Gametop. It was. Okay, I got it. That's okay. So in the.

world of you guys going about all this? Yeah. Do you budget? Do you have a budget? Try. Do you What. do When you guys talk about money, what. does he know specifically? Now. on a monthly basis, what does he know? on a monthly basis. He knows we have to. make at least. $6,200 to pay off the. minimums of What the You just told me 63.

is your average going forward. I'm. saying we have to at least make 62. No, no, no. You told me 6,300 is your. monthly net income on average going. forward. No, I said No, you told me. I. said we make rewind. Rewind it. We can say 6300. Okay. I said we make between 5,800 and. 7,000. J, give me an average. And what. did you say? What do you think an. average is?

It's about So some months maybe you make. 58 and some months you make 7,000 and. then the average is 63. What do you do when you make under that. 6,200 in a month? 58's my base. I have. two jobs. That's not my question. My. question is when you make 50 whatever. how do I pay the $6,200? How? How? How? You don't have the money to pay for it. How we've been taking from savings. What.

savings is there? There's zero now. So, what do we do next time? which was going. to be my damning question. I don't know. I don't know. I don't know. That could. be next month. Yeah, it could be. Remember when I was trying not to let it. be, but going to try? Oh, it could be. anytime. If we were trying, we wouldn't. be in this position to begin with. Yeah. Does he Okay. He knows 62 has to come.

out. Yes. Does he know what comes in? Yeah. So he. knows when you get 55 or something. 58. Yes. Yeah. He would know. And his. thoughts, he just offers to work more. That. doesn't help if we're already under for. the month. Yeah. It doesn't help for the month. we're in once. Doesn't that matter for. making payments? Doesn't thating matter?

What did you suggest that matters to me? I think that matters. Well, you don't always have a choice. You have a choice of the debt you got in. and the spending that you do, lady. Yeah, girl. He spent almost $900 going. out to eat last month. I think that's a. prettying choice. Well, he was on tour. I don't give a [ __ ] what he's doing. Miscellaneous bull. $500. I don't give a [ __ ] what he's. doing. Pack sandwiches. He did. Good. So.

then that's no longer an excuse that he. was on tour. Well, he can't only eat sandwiches. Yes, he can. He can have whatever from the. grocery store. He can do a lot of. things. Yeah, he makes sandwiches. He. ate tuna. He brought Very proud of him. That is That is no longer an excuse for. the $900 almost spent on me, too. Because I work at. night and it's easier to just buy from. the cafeteria. The cafeteria.

But at least I'm paying $7 at a. cafeteria for a full meal than going It. could be cheaper per meal at the grocery. store. It could, but And it is. And you. don't because why would we have any. sense of maturity at all? Sorry, I'ming. lit up in this conversation, but it's. blown my mind so far. I'm being. completely honest. Okay, so last month. uh it was. uh it was on that $7,000 range. Okay. 7. to 8. Okay. But it was also one of the.

last months until that pay. Yeah. Okay. How much went out? How much was spent? That includes on debt. How much? Well, I. made you said between care about your. income. Yeah. How much went out? I I. care because I know I don't spend a lot. more than my income. Probably like 10. A. lot more. She says she knows she spends. more. That's good. And we allow that. We. accept it. No, I'm trying to work on it. for sure. What? Why don't you just do? It's money that you don't have. Justing.

don't. Trying is $900 a month going out. to eat. Okay, sure. That's a great try. Keep going. How much went out? Sorry, I'm being rude. This is I think maybe. 10. Okay. It was like 14,500. Really? So, I don't know what the [ __ ] you're. talking about, man. That's double. Yeah, that's a lot. It's more than double your. normal average. And you think your. minimum payments is what you can't. afford? No, it's your [ __ ] spending. your past spending that you can't. afford. The month you the last month is.

what you can no longer afford. Okay, that makes sense. But like I said, I am. working on it. It's not as easy as just. quitting. something. You don't budget. You don't. communicate. No. No. Cuz I've always. been the baby. You don't. Everyone. always takes care of me. Oh, what a. disgusting. No one's ever said no to me. It's just. not used to exhausting attitude. I'm. just not used to it. Not used to being.

an adult. You'reing 30. Grow up. You. want to be a. mother. Grow up. But I'm the baby of my. family. You're going to have a baby. You'reing. Not. yet. When we're ready. Uh-huh. You told. me before the conversation that you guys. are trying. So, we're going to try. H the baby of the family. You're 30. What a disgusting sentiment to have in.

your brain. You'll never get ahead in. life ever. There's no conversation to be. had. How can you say that? Did you hear what you just said? I'm. just saying why I'm like this. If you're able to acknowledge it, it's. even worse cuz it's no longer ignorance. It's just choice. No, I'm working on it. I have to learn to say no to myself. Even the last month you spent double. what you. make. How is that working on it? Do you.

mean you spend normally three times? What the are you talking about? Probably. How? But you don't even know. What is trying entail to you? Trying to. me trying entailing to me is like. downloading a budgeting app. Okay. A. spreadsheet, you know, not taking the. credit cards when we leave the. household. Communicating with our. significant other. Who would have. thought about that one? That would be. trying to me. You have done none of. that. That is not trying. What is your. trying? I don't see trying. Please. explain trying. Trying is using the.

debit card for small purchases and if I. want something. big, saving it. All your money's going to What are you. talking about? Like thinking about it, waiting thinking waiting to buy it. Make. sure I really want it. It's not a bad mindset, but that. obviously is now what has correlated. into the reality of your situation. Well, it's a dayby-day process. Hey, Pooky. Our Memorial Day sale is. happening right now, and it's your shot.

to grab some of the tools you need to. own your financial future. And for 10 short days, May 23rd through. midnight on June 2nd, every single one. of our classes is discounted. Pick any. individual course and slash 20% off just. $157 each. Or you could go allin with. the complete master your money bundle. and save. $237 at 30% off. So you can secure the. core four courses at a massive discount. And inside you'll find step-by-step.

lessons on budgeting, crushing debt, and. beginner to advance investing. Everything you need to start making. smarter money moves today. And this deal. disappears the moment the clock hits. midnight on June 2nd. Click the link in. the description below. Lock in those. Memorial Day savings before they're. gone. Take control of your financial. future today. See you in the classes. But the last day we have to look at. Yeah. So I don't know what you're again. I don't know what you're talking about. It is a trend on the show of people. coming on and saying I'm trying. They.

always want to just look good on the. camera or they change something two days. before they came on because they know. they're going to be on camera. Doesn't. matter. I literally have your most. recent statements and they're beyond. So. that is a lie. Or you're just trying to. say something to look good in front of. the audience. No, I don't need to look. good. Then what is happening? Cuz that. is [ __ ] Trying. No, I think in your. brain you have a slight wanting of. getting out of the situation, but not as. much as you want to keeping around in. reality. I need to understand what I'm. spending on. You know how you do that? You budget. You already know that.

Everyone knows that. That is a basic. tent. You do not have to be a. financially literate person to know a. budget exists that you can make. Listen, you get the budgeting app for free. forever. The premium version. We have to. pay for the account connections in your. behalf. And those who sign up for the. annual version, of course, link in the. description below gets the cookbook that. you can't purchase anywhere else that we. made for budget friendly cookbook. I'll. sign it and I'll mail it directly to. you. If you want to come on the show, go. to kalehammer.com/apply.

Usually I ask what you think you rate. yourself financial score. What what do. you think the household financial score. is? 0 to 10. I took the test on your. website. I think I got like a one. If. you want to know your score, take the. assessment, the one she took. Go to. kale.com. Use the link in the. description. below. Oh, let's get thising finances on. the moving cuz Oh, wow. We. have Ooh, chunky. chunky big chunky chunker. It's a big.

one. Okay, cool. Oh, good. We're. starting at in this insane balance. Okay, AMX. What's going on with this? Oh, it's an AMX. Wait, no. Okay, America's best. What is it? Uh, that was. a consolidation. I did. So, what do I. see? Oh, interest is acrewing. I said. purchase this earlier. I thought it was. okay. So, you Oh, 17,532. You [ __ ]. consolidated. You consolidated. You. consolidated and you didn't even know. where and now we have debt again. What.

are we doing? Obviously, again, change. your behavior before you consolidate or. go bankrupt cuz clearly this does not. work. I am not against the tool of. consolidation or bankrupt or whatever. The my debt's not I don't think my. debt's as bad now because I had to do. this because $7,000 of bad debt and this. is only 17. But I had to do this because. my cards were maxed. out and it was ruining my credit. Your.

debt is bad. Your balance your limits. just might be higher. Yeah. Well, technically this is the sun today in the. sweatshirt. Yeah. Have you seen you? What do you mean? You're like burnt but in a small strip. Oh, no. I was in Florida last week. wearing a sweatshirt. No, no, it's I. wore a bathing suit. It's Oh, I see it. I see how it's working out. Okay. Sorry. I just noticed it. It looks painful. It. is. It's peeling. Okay. Keep going out. Keep It's my mom's debt now. Huh? It's.

in her name. So, it's not in your name. It helped my credit a lot. This is not. in your name. No, my mom took it out. Wait, wait, wait. Why is your mom taking. out debt for you? for you just to help. But. she But it's her debt. She took out the. debt for me, but I'm paying it back. You're putting your mom in a near. $18,000 loan thing for your own.

mistakes. Are you kidding me? This. wasn't cash she just gave you. This is a. This has to be like 30% or something, right? I think it's 12. Even if it's 12, that's insane. It's disgusting. I can't. see it. Yeah, I don't have it. It's not. on the page for some reason. But I do. see that $131 of interest is acrewing. And you, of course, we're only making. the minimum to bement, which is $635.91. What the [ __ ] are you doing? Yeah, but. it'll be paid off in 2 years. But that's. your This is your mom's risk. It's.

already been a year. You know, we talked. about the death situation early. If you. die Yeah. If I die. Yeah. In the low. likelihood situation. If you die first, huh? I think she'll die first. Why are. you saying that? You could get hit by a. bus outside. What? There's no buses. There's Yes, there are. What are you. talking about? Oh, in Austin. Yes. I'll avoid the buses. That Oh, you. are Oh, you're so [ __ ] What are you? Are you sure we should have a kid? I. don't know, man.

Okay. What if you die tomorrow? This. also. And also, no, it won't be paid off. in 2 years. What are you talking about? I'm pretty sure it was just a 2-year. loan. I took this out to consolidate to. pay off my high my like I had two credit. cards that were maxed out, so I had to. consolidate them. She was just helping. me out. Why does this not sound like. most normal people? Yeah, she was. helping you out, but she was taking out. debt on your behalf. Well, I'm her baby. Oh, [ __ ] Not this again. You're such a.

child. Why? Why are you You think that's. cute? You think that's acceptable? You. think that's an endearing trait to have? It's embarrassing. Are you not. embarrassed? I'd be embarrassed. I'm. embarrassed for you. No, I'm not. embarrassed. You should be embarrassed. I'm embarrassed for. you. I see this. taking No, this takes 3 and 1/2 years. from today. And it's probably already. been open for how long? Can I look on my. phone? Just tell me when when ish you.

took it out. No, I want to look on my. phone to see when it'll be paid off cuz. I have a I have a spreadsheet. Dude, no. I don't I don't No, no. Just tell me. when you took out this loan. I think. last winter. It is not a 2-year loan. It is a 4-year loan. That doesn't make. any sense. Well, it does with math. And. also, has he texted you back yet? Oh, I. was on silent. No, he didn't. I think we should call. him later, honestly. either at the end.

of the show or in the post show. Okay. I. took it out in October. So it was Yeah, it's a fouring year loan. Four to five. Four to five year loan. You think that's. okay? It's okay. That's That's 4 and 1/2. 4 and 1/2 years. I have it being paid. back in 20 27. So 3 years. Three years. You're wrong. Three years. Oh, you said. two. And it doesn't matter. Again, your. mom is responsible for this. If you die, if anything were to happen, if you. became disabled, if you lost your. income, she'd be okay. Shut the [ __ ] up.

She took out her debt. She didn't gift. you money. You She will be okay. She. makes a lot of money. She took out a. debt instead of gifting you. Obviously, she is not in a position where she would. just be okay or else she would have. gifted you money. What the are you. talking about? Shut up. She gifted me. 60,000 the year before. She's not just. going to keep gifting me money. Why? To. buy my house. Oh, you have never worked. for anything in your life and you only. just go in debt. You were such a [ __ ]. child. Oh my goodness, you disgust me.

I'm okay with getting a gift, but look. how you've used it. Who can save up. money for a house these days? Me, Lindsay, uh Josh, Brandon, that's great. I'm happy people in this office of 15. I'm very happy for you guys. You just asked, but we're in New York. Lindsay, how much is How much is the. house you're getting? Is it'll be about. 500. There you go. More than the house you. got. That's great. It's not a.

competition. It's not a congratulation. thing. It's like your example's [ __ ]. wrong. And also, you're an up. You're in. two arms away from the city. You want me. to save. $60,000 after working? No, I'm saying. you've never worked for anything in your. life and your mommy's giving you. everything and you've never had any. discipline. Now you're dragging your. husband down because you're not going to. be getting the debt you're getting out. She bought a house for everyone. and she. is spoiling and enabling her children. And look at the behavior. Look how it is. translated. You are [ __ ] financially. abusing your husband. You are bringing a. child into a world that you going to. completely over. You don't have a single.

financial discipline aching to your. name. No, that's not true. How is it. not? You have nothing but horrendous. debt. You didn't know your dad. You. haven't budgeted. You don't even know. the way out of this. That your entire. thing you can say is that's why I'm. here. Your mom took out a loan on your. your behalf because she gave all her. kids money in order to get houses. Now. she doesn't have any money to her name. That's why she had to take out debt. And. if you die, she wouldn't be able to. afford this. If you get laid off, if you. get fired for being bad at your job. because you're a [ __ ] then all of a. sudden, oh, mommy, I don't have money to. pay. I need to pay for my mortgage. first. Mommy has to pay her debt. Mommy.

will be fine. She's been paying. She's. been paying my 40-year-old sister's debt. every year, her whole life. So, I'm not. as bad as her. Your family is nothing but a. disappointment and a joke. Well, they. need to teach this stuff in high school. You can teach it to yourself on your. own. There's books. There's libraries. There's the internet. The are you. talking about? There's this show. There's the money guys. There's so much.

out there. Yeah. Well, I started. watching your show. I've learned a lot. Apparently not. enough. This is [ __ ] ridiculous. $17,520. $32.96 at a. $635.91 monthly payment from mom. From. mom. From. mom. Are you Are you kidding me? Are you.

actually What are we doing? What are we. doing? What am I looking at here? What. am I possibly seeing to mom from? To. mom. It says to mom. Mommy. That's what. it says. What is this for? That's my. mom. Are these individual balances or is. this stacking? I guess I don't know what. stacking means, but as it decreases, that's what I've paid. So, you owe 5. 8,561 to mom me. Yeah. For what? And. why? And how? Same thing. What?

Consolidated a different one? It was the. same time. It was an extra thing. This. was the cash that she gifted you and. then she took out her credit card cuz. she didn't have enough money. But she's. enabling her children. What a You are. Oh, the way you guys are using your. mother is disgusting. Oh, this is nasty. Mhm. It It wasn't even hering cash. She took. it out of her retirement. You made mommy. take this. Oh, you I do not like you. I.

officially do not like you. That is a. rare thing. I do not like you. You are a. bad person. You're a bad person. You're. a bad person. You're a bad person. I didn't make her. You're a bad person. You're a bad person. You are a bad. person. From mom's retirement. How old's. mom? She's 65. You're taken from a. 65year-old to consolidate your own debt. Then you [ __ ] it all up and then mommy.

has to take off from a credit card. My mom makes a lot of money. I'm not. worried about her. She's 65. Who do you. think are on the chopping blocks for. layoffs? No wage discrimination, of. course. Her own business. Okay, let's. see how long she wants to do that. Let's. see how long her health is. Let's see. how long her business goes well. Let's. see how long she has the energy for it. You do not account for anything in the. world happening. You think everything is. a stagnanting flow where no matter what. has been happening for the last 5 years. is what's going to happen for the next. 50. You do not understand a single thing.

in this world. And you use people around. you, including your husband. You use. your husband. You use your husband. You. use him for emotional balance. And you. don't allow him to know any of the. stresses in life so that he can just be. there as aing rock. And you just use his. emotions. Now you're using his [ __ ]. nut. She will be. fine. She's already finished her whole. You are a bad person. You are a bad. person. She gets her pension. She gets.

free insurance and she'll get money for. the rest of her life. Bad person. You. should actually give a about her. It's. not that she'll just worked in the fire. department for so long. Congratulations, Mom. You put out fires. I'm thrilled for. you. Good. Yeah. So, she gets money from. them for Let's abuse fire workers. Fire women. Yeah. I don't really like. the fire department by me, so I don't. care. But, um, yeah, she'll be fine. She. gets money from them. She gets money. from her job for the state. Do you not realize how this shut the up.

you disgusting absolute creature? Do you. not. understand what you are saying? I'm. saying she's an adult and she decided to. make these decisions to help her. children went to her. Hey, how did she. find out about this? Hey lady, lady, how. did she find out about this? Huh? Huh? How did she find her everything? Yeah, there you go. You told her they're. probably Oh, I'm aware. Oh, baby. You. probably manipul Look at you. I know.

people like you. We all know you. You. probably manipulated her. You kept. dropping it just like you drip feed your. husband. Oh, little struggle here and. there. Mama, all of a sudden, mommy, little daddy, I had Oh, I'd love to get. a little house mom. Oh, mommy, I would. love to get a little house. And then all. of a sudden, she's like, oh daughter, I'm a firewoman. This is like like come on. Ew. Ew. You're making me crash.

out. Just what the I mean, the thing is. the we talk a lot about financial. emergencies, but what about the kind you. can't see on the spreadsheet? Stress, burnout, anxiety. They creep in quietly. and throw everything off. You don't have. to hit rock bottom to ask for help. And. that is where Sandermind comes in. They. connect you with licensed therapists or. psychiatrists based on you, your goals,

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below to get started today. That is. sandermind.com/caleb to get started. today and make mental health a priority. in 2025. Ever been stuck with an. unexpected bill just 2 days before. payday, staring at your bank account. like money will just magically appear? I've been there. college days, car. breakdown, and yeah, I'm googling cheap. bus rides and dignity. And that's. exactly the kind of moment where Step. would have been a lifesaver. Step is the. all-in-one money app that actually gets. it. With Step Early Pay, you can get up. to $250 instantly. No interest, no.

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plan, which you can also get on Step for. only $15 a month. Yeah, they got all the. things. So go download step if you. haven't already. Now, if you're not too. distracted playing games for money, let's get back to the show. You're going. to have a. kid. When mom's not here, you're [ __ ]. Mommy's not coming to the rescue. anymore. Good luck. Well, when she dies, don't I get money from her? Yeah, if she. has a big nest egg. I don't know. But. that's disgusting. Your language. Shut. the [ __ ] up. Your language is what was. disgusting. You brought up her dying. first. Your language is what's.

disgusting. Your language is just. disgusting. You said, "Oh, she'll be. fine." That is not caring for her. That. is not caring for the debt that she has. given you. That is not caring for the. blessings that she has provided. Oh, she'll be fine. No, it's oh, I'll work. to make it up to her. Oh, she'll be. fine. That is disgusting. You are. disgusting. You are a bad person. And. I'm calling as I say, I don't give a. [ __ ] I don't care if I look bad. I. don't care if you don't like that. I I. will work to make it up to her. I'm. paying her. Yeah, now you say that. Now. that I said that, but that's not what. you said. That's not what you said from.

God. That's not what you said from your. heart. That's not what you said from. your brain. You didn't say that. You. said, "Oh, she'll be fine." That's what. came out of your mouth. Well, you don't. know my relationship with my mom. No, but I know the words you're saying. And. you only said that you'll make it up to. her after I said that's what you should. have said. And I don't believe you at. all. I believe you are good at. regurgitating other people's words after. they say it to you because you have been. nothing but a manipulative princess your. entire life. Oh, disgusting. Do you have. a minimum payment you owe your mom? I. don't even want to continue this. Did I. just pay her 150? Um, no. Every two. weeks, so it's 300 a month.

You paying her back that 60,000? No, that was a gift. See her face when she. said that? What a joke. What a joke. I'll [ __ ] send you to therapy if. anyone has ever needed it. Three. sessions through Sandmind. Well, whatever. If you need a change, which. you might. Yeah, it's real cute what you're. doing. And you I mean, I'm not even.

going to gift you the Fizz card. It's. great for you guys, but not for her. Yeah. I don't have enough cash. I want. to cool down. I want to cool down. Yeah, exactly. Cuz it only lets you use what's. in your checking account. So, you would. be Cuz Right. I'm not worried about my. credit anymore. You're right. Cuz mom's. there. You're not worried about anything. cuz you never had to do anything cuz. you've been nothing but a spoiled brat. your entire life. Let's call it how it. is. Man, I love roasting people. It's fun. I.

love to jab and I love a good back and. forth. I hate that I do not like you. It. is a bad feeling, but you are not a good. person. And I need to call it out cuz no. one's probably ever told you that. before. You've been nothing but just. [ __ ] just babyed your entire life as. you've self- admitted. Yeah, people like. me. Cuz they don't know. you. They don't see this other side of. it. Southwest. Great.

$5,11957 with a minimum monthly payment. of. $125. How long does this take to pay. off? Is this another 3 years, 2 years, one year? How long does this take to pay. off if you don't purchase on it, which. by the way you're incapable of because. you purchase more than you actually put. towards it? So, but if you only made the. minimum. if you only. $5,11957. If you only made the minimum. payment and you didn't purchase on it, how long does it take to pay off? uh 25 years. 15 years, which is still. insane. You're okay with 25 years cuz.

look, guess what? You're purchasing on. it. You put $500 towards it. That would. seem like a great amount of money, but. guess what? You purchased $649. I'm not. okay with it, but I can't afford to put. more on it than Then maybe you shouldn't. be spending whatever the you're spending. on. Should we go through what you're. spending on here? What are we going to. see? What are we going to see when I go. through here? What am I going to see? I. don't know, princess. What am I going to. see? Southwest. I think I told my. husband to use that card on tour. I. don't. remember. But look at it. I don't know. Is he going to stay with you after this? Yeah, we like he sees this. Yeah. Does.

he know what he has actually attached. to? What he's about to He's known me a. long time. I don't know why he decided. to choose me, but he did. So, probably. because you come from money. $7424 of interest is. acrewing. Microsoft Ultimate, right? Okay. That's the game pass, right? That's the game. Jeff Bike going in gas. station. Getting some going to the gas. station getting going to the gas station. getting some bull. Tourist stuff. There was a late fee this.

year. There was a late fee this year. What the [ __ ] After being bailed out. this much by mommy, there are late fees. or late fees. You've never learned. anything cuz you've never had there's no. there's been no consequences. I just. can't do automatic. You are financially. [ __ ] and yet you go and own a nice. home. Can't do automatic. No. Do not. understand this. You are financially. [ __ ] yet you are out there living the. American life that a lot of people dream. for. You have achieved that home. ownership goal at 30. You do not deserve.

this. It has just been given to you on. aing platter. You have not worked for. anything and you've never learned. anything. Well, like I was saying, they're late because I realized the day. after they're due, but now it's in my. calendar. Just set up automatics. No, because I like to pay it twice a month. But you didn't. And then you purchase. more on it anyway, so it doesn't evening. matter. Doesn't even [ __ ] matter. I. know. Like I said, we're when we're out. of cash. Well, but you shouldn't be. I. know. I know. That's why you don't.

budget. You don't communicate. And you. just take your mom's money and you [ __ ]. around with. it or children. Yes. S this is a lot of interest. occurring. just hundreds of dollars of. interest, such and such. I know. That's why I'm so adamant about. paying% APR promotions. Well, we'll see.

But I don't even know if I'm able to at. this point. Yeah, buy your choices. You. spent $900 last month on the month where. you're getting. better on going out to eat. I've been. chase sick. I've been sick. So I can't cook. It. makes me feel husband cook. He's been on. tour. Is he aing rock star? What are. Yes, he's a musician and he's still on. tour and he can't cook. Well, he got.

home Friday. Good. And he can't cook. He. can cook meal. prep. You can't meal prep. No, I like I. said, I was getting nauseous when I was. cooking. Why? Just the smell was making me feel. sick, so I took a break. I was probably just sick. I don't know. $614.74. Minimum monthly payment $35. Oh.

my [ __ ] piece of [ __ ] dick. $1,270. $1,297 of purchases on here while $24.38. of interest is occurring. What the [ __ ]. are we. doing? What the are we doing? If that's. Amazon card, it's just stupid Amazon. purchases. Then that's not cutting back. If it's stupid Amazon purchases, I told. my husband I want to cancel our Amazon. Well, at least you tell your husband. something. Then then do it. You do. everything else without his permission.

I don't give a He He likes to buy stuff. Great. You guys don't have money and he. probably doesn't incorporate anything. into this household income. anyway, knowing what he does now. That's. just one of his jobs. Pull up your Amazon card for Yeah, it's. Amazon. Amazon. Yay's Kitchen. Amazon. Amazon. Amazon. Dear you. Prime Video. Amazon. Kindle services. Amazon. Amazon. Amazon. Amazon. Poshmark. Amazon.

Amazon. McDonald's. Come. on. [ __ ] sake. You went into 7-Eleven. Got some bull. Burrito. Boulevard. Amazon. Jash. Wine and. liquor. It's not even just being used. for only Amazon. It's being used for so. much [ __ ] Things that don't matter. You. dumb. At least no late fee on here. What. the is this thing? You've never seen it. What's this? This is a little phone. Uh, I don't know how to screen record on.

this kind of thing. Oh, same way you do. on Apple. You just swipe down. No. Or. else I would see it. Well, well, you can. get it started. You can get it started. Get it started. You like that phone? Yeah. It's cut in. half. It looks so I did break it though. Low quality. Oh, that's why. There you. [Applause]. go. [ __ ] I filter. That's fine. Yeah, we needed a mug and piping and.

shampoo. Yellow tones and condition. damage and parental. We I'm trying to. get preggy and kirkland extra strength. absorbent pads. Hot anti-bait kill queen. colony. Okay. Yeah. Glue cards refilling. pop drop sec. Okay. Amazon thermostat for adults and kids. You didn't have a thermostat at your.

house. You did not have a thermostat at. your house. No, I didn't. What? Isn't. that such a thing people have? Yes, they. have a just right little now I do. Okay. Well, yeah, but you got an expensive. version. You just under the tongue, girl. Marvel assembles hero. I don't. think the kids here yet. I don't think. the kids here yet. Coconut fiber matte. natural. What the [ __ ] are we doing. here? Mini guitar headphone. Get that. one. Wall art. Great. That's necessary. More wall art. Great. Outdoor.

basketball. Fantastic. Necessary to. live. We would die if we didn't have. that. That's my nephew's birthday. Don't. give a [ __ ] Pay off your debt. Then. give him a nice birthday present. I. picked the cheapest thing he wanted. I. don't give a. [ __ ] Go to the library. I say that he. says he wants to own them. I don't give. a Don't want doesn't matter. And also. sure he probably wants things thinking. your financial situation is better cuz. he doesn't fully understand the context. cuz you haven't allowed him to until. right before you went on here. More. books, more books, more books. This is.

stupid. It's. [Applause]. stupid. Home Depot. Okay. What the. What's going on? You building a crib? I. know. We redid our kitchen. last fall. Summer fall. Self renovate. Yes, we did everything.

Yep. Okay. Well, you $2,761 on a high. interest card in 61. The minimum payment. is $47. You're okay with paying this off. in 18 years? Cuz that's how long it. takes? 18 years. 18 years to pay off. your Christian. He'll need you'll want. to remodel it. by 0% promotion. And if I. pay literally interest charging to some. things, not the full balance. Okay. Well, interest probably to like $200. I. don't care. Interest is charging. That. is what Matt turns to $200. Also, you're.

getting deferred interest and it has to. be paid off in October of next year. I'll be able to. I hope so. Except. you're pushing you to. listen back to your own words. Sometimes. I know, but I haven't stopped yet. Your [ __ ] own words where sometimes I. don't have enough money in my checking. account to make the minimum payments. You just got your bake cut. Sometimes. you make less than you need to make your. payments. No. Maybe you don't.

I haven't had that happen yet. Your pay. was just decreased, lady. Yet is the key. word. I don't give a Also, you missed. the minimum payment on another card, so. that's not even true. I paid it the next. day. Doesn't matter. It still happened. Yeah, but that's just forgetfulness. Not. cuz I didn't have forgetfulness. I'm not going to forget again. I put it. in my calendar. So many documents here. Who's to suggest you might not forget? Oh, you are ruining me.

No, it doesn't affect you. Yes, it does. I give a Thank you. How about your husband? No, it's basically it's like 750 bucks. as a current interest. So, not just a. couple hundred. That is still How do you. know? Because it says it, lady, because. I have to save it. What do you think is happening? Where. does it say it? What do you think here? What do you think is happening on this. show? I want to know how to read. I have.

statements. Okay, dude. What do you think is happening? It's so hot in here. It's so hot in. here. I'm sweating. It's $20. So hot cuz. it's 103° outside. Sun goes in the heat. Look what is. happening. She goes to Florida. I like. every New Yorker. Okay, that's all she's. doing. She just escapes and she goes to. a place she can't afford anyway, even. though you have a nice little mortgage. up there. Huh? I didn't pay. Well, you. didn't spend any money down there. No,

not a penny. I spent $20 on ice cream. one day. Bad. That was my contribution. You don't have money. Well, they bought. me food all week, so that was my. contribution. My mom and my sister's. sake. Spoiled. The one doing her a favor by going on a. trip with her. She wants to spend time with me, so I'll. go with you. You don't need to go to. Florida to spend time. She's a house. there. Yeah, but to spend time, you. don't have to go to far. It doesn't. matter. But what a spoiled brat thing to.

say. Yeah. Yeah. Yeah. Yeah. I believe. I've lost a pen. And has anyone see a. pen? I've lost a pen. A pen is gone. I. don't want youring spoiled brat pen. Why? Cuz it's going to rub off on me. I'm going to start milking people. Ew. They said you bought a lawnmower for. 2500 bucks. That's a long time ago. City. Simplicity. Yeah. Yeah, this is the house we want to bring a.

child into. Yeah, to be clear, we have. an extra room. $6,228.38 minimum monthly payment. $286.52. That's [ __ ] crazy. Yeah. Yeah. I think it already has the. interest incorporated in it and that's. why. Yes. $51.91 of interest is. acrewing. Takes 8 years to pay off. What. do you mean? What the [ __ ] Okay. What's. up with this card? 8 years. Yes, 8. years. Shouldn't be that long. What? I.

don't Oh, I'm losing energy and hope. What the [ __ ] do you mean? It shouldn't. be that long. You're right. It shouldn't. because you shouldn't have this much. credit card debt in the first place. But. it is cuz that's math, lady. I don't. know. I don't [ __ ] know. I I don't. know. I don't know. I don't know. Okay. So, you tell me what what why shouldn't. it be? Why shouldn't it be? It is, but. it shouldn't. because when they offered me the.

um loan, like it was like a $4,000 loan, it said, "Why'd you get this a certain. amount a year to consolidate 6,000?". This is another. [Music]. It's another consolidation. What is the. point? What is the point? Because 12%. was better than 24%. But look, it hasn't changed your. behavior. And then you just rack up the. other debt. Mhm. Yeah, but when I only when I do use. my credit cards now, it's for needs.

No, it is now. We already just went. through a credit. card. We just went through a credit card. and it was so much bull. It was food. No, it wasn't. Yeah, it was. What was. it? $100 on books. That's a lot. That. was stupid. Yeah. And the stopping in. against bull gas station Ultimate Game. Pass. I don't remember every little. purchase. You should. That's not my. responsibility. But there was a lot of. B. There was a lot of bull. That's my. husband. I can't remember. Listen, he's.

the other half of you. And if you guys. communicated, you don't think that. counts. You don't think your husband. communicate with Oh, I'm stopping at the. gas station. Let me just tell her. exactly what I bought and how much I. spent. you this and this is why you. growing and this is why you growing up. as a spoiled [ __ ] has accomplished. nothing because no it is not about hey. I'm going to the gas station it's about. allocating the amount of money we're. allowed to spend on [ __ ] at the. beginning of the month and we meet at. the end and figure out if we did and we. adjust for the next month that's a great.

idea Caleb and I'm going to try to do. that thank you for the. advice I just don't see why he. asked me to buy from the gas station. But you're right, we can set a certain. amount that we spent. We shouldn't be. spending at the gas station, but he was. on tour. What do you want him to do? He. brought bread. He brought tuna. He. brought tour. Um, I don't know the full number cuz.

is the band in total prime made 10 him. and then he. pays I don't know. He keeps it to. himself. He keeps it to pay off band. stuff. He pays the gas, the hotels, the. merch. Oh my. No, I don't know what he does with it. I. don't want to see it. The eyes are You. got You're married on paper only. No,

that's not true. Yes, it is. Besides a. little insertion. Yeah, insertion. Oh, well, you don't know we do that. You're trying to have a kid and you guys. are married. I hope you're I said we're. going to try. But no, we like each other a lot. He's. my best friend. And that's the extent of it. Cuz you. guys definitely are not combined in. life. We are. Just not. I just have to.

keep his extra money safe from me. Safe from you? Yeah. Isn't that smart? Oh my gosh. You are. I'm going to I'm going to I'm Oh, I'm. going to I can't city diamond cuz I. can't I can't talk to you. I can't talk. I can't [ __ ] talk to. you. $1,865.99. This one looks interest free. What is up with this card?

Same thing as all the others. Consolidation. This should be paid off soon. No. No, no, no. I mean, it ends in like 10 months. 11 months. No, the interest rate period. It takes four years to pay off. Yeah, but I pay 6 years. 6 years. I pay. a little extra. So, it probably still.

won't get there. It's not working. Plus, I do the math. Listen, math lady. Mathread. Math tells me a spreadsheet. My spreadsheet in my brain tells me. that. Yeah. Do the calculations. How. much? Okay, here's the calculation. No, I going to tell you. Oh, I calculated. it. If you make five Yeah, I just did. the calculations. Pay $110 a month. Hey, hey, I just did the calculation. Boop. boop boop boop. I did it. If you make. 5,800, you can't pay your $6,200.

required on a monthly basis. But that. hasn't happened yet. Yet. You just lost. your body. You just You just got a. demotion. No, I didn't. And take home pay. Yes, you did. Yeah, dude. How do you not realize that if you. do not make the money to be I don't give. a [ __ ] what you You're going to help me. figure it out.

Isn't that what you're here for? No. Yeah, I can't just say go go get paid. better. again. Dude, what the is your. [Applause]. existence? You guys always ask me, Caleb, what do you invest in? And. honestly, I keep it pretty boring. Take.

a look at this. Take a look at this. This is my investments right here. And. this is why you got to follow me on. Blossom if you want to see just that. A. couple weeks back, I stumbled upon this. social investing app called Blossom and. thought, "All right, let's give it a. try." And it turns out it's actually. really cool. And to be clear, they're. not a brokerage. Blossom is a completely. free social media platform. They're not. your typical investing app. It's social, meaning you can follow exactly what I'm. investing in, and you can check out my. portfolio in real time and even discuss.

strategies with me and other investors. There's no guessing games, just clear. transparency. So, if you're curious. about how I'm investing or just want to. get smarter with your money, download. Blossom right now. And you can follow me. at Caleb Hammer. I'll be sharing my. exact portfolio breakdown, investing. tips, and even responding to your. questions. It's totally free, super. simple, and way more fun than just. guessing stocks alone. So, hit that link. below, join me on Blossom, and let's. grow our money together. Seriously, right now you can actually see what my.

portfolio looks like today. Oh, this. one's not 0%. You also purchase more. than you put towards it. So, freedom card. Mhm. Freedom from. using your brain once. Have an. independence once. Freedom from mommy. Oh, no. No. $4,264. Minimum monthly payment $105. 14 years to pay off if you don't. actually purchase and make the minimum, but you only know how to purchase. Well, $634. Why wouldn't you purchase on a.

card that it's at least not acrewing. interest? Like, if we're just being like. logical about it, I don't get it. $63.14 of interest is acrewing and then. you go and purchase on here. Like, what. the what what the [ __ ] I have cards. that are 0% interest, but if I can't. afford to pay them anyway, you can't. afford to pay off the cards that are. interest. Why would it matter? cuz it's. just. like I've given. [Applause]. up LA Fitness, Pet Start, Home Depot. We.

already have a Home Depot card. What the. What the [ __ ] are we doing? Well, I try not to put Well, it doesn't. matter. I try not to put Home Depot. purchases that won't get Oops. And then. I do. Well, we fix everything on our own. in our house. Doesn't matter. You still put it on a. car that is agreement interest. I don't. give a [ __ ] That's not what I'm. talking. Did I say you shouldn't fix. things? No, but we have to go to Home. Depot to get parts. It's not like you.

could afford a contractor anyway, so I. don't know what you're bragging about. I'm not bragging. What are you saying. then? I don't give a listen. You have a. Bonvoy. card. Minimum monthly payment 40ing. stupid. Dumb dumb dummy. Dum dum. dollars. You owe a,000. 65.31. Minimum monthly payment. $40. 3 years to pay off. Interest is. acrewing. Minimum monthly payment made.

No. more. Couple hundred bucks interest. acrewed this year so far. I had that. card at zero, but I had to get. Botox at the beginning of the year. Had to. What would have happened if you. didn't? Well, my TMJ was really bad. I. don't know what the that means.

It's It's just this muscle in your jaw. Well, can I tell you. something? You look 30. It's not even. like doing anything for you. It's not. supposed. to. It's to relieve pain. Doctor's orders. It's the only thing. that works for TJ. Doctor's orders. Yeah. Well, I see doctor's orders. I see. a doctor now, so it should be free in. the future. How much did you spend on it? Uh 1,200. Where'd you get Botox? America. Yeah. N.

did that. I'm a little nervous going to. another place for Botox. People have had good luck. Why are you. yapping so much then? So much [ __ ]. That job you heard him. What? What do you. mean? Cuz of my. TMJ. I'm surprised you've never heard of. it. Why would I? I don't know. Well, it was.

causing me like 10 out of 10 pain, so I. had to get I don't know you, so why. would I know what TMJ is? Yes. Why would. I know that? I mean, it's a very common. condition. So, people just going through. getting $1,200 shots always constantly. Botox lasts what, what, 36 months? What's the best pain relief for TMJ? It's Botox. Oh, yeah. But you have to go. do this. So, you have a $1,200 payment. you that you've done every 3 months. Well, I had 10 out of 10 pain. I was. crying. I'm not against that. I'm ask Oh my you.

were afraid. Why can't you answer the. question? So you have to do this every 3. months. No, but now insurance will cover. it cuz I found a doctor to work. And. you've done the muscle relaxings, anti-anxiety medications, lowd do. anti-depressants. Yeah, I've done. physical therapy. I did steroids. physical therapy, mouth guard. Okay. Again, I remember posted, but why why'd. you go do that instead of have go to a. doctor first? It was so bad. I wanted to get it done. immediately and you go see urgent care.

No, you have to see a specific doctor. and she has to go through jump through a. bunch of hoops to get it covered by. insurance. So, it's already been in. process. I saw her for the first time in. March. Not necessarily opposed to that. compared to everything we've talked. about. And again, that purchase isn't. even on the statement. So, it's not even. something to talk about for this last. month anyway. But it's why interest is. occurring on a card, someone in your. income situation living the life that. you live being bailed out so many times, being a spoiled brat, you should have an. emergency fund that would have covered. that anyway. So, it doesn't even matter. Shouldn't have been on a credit card to. begin with, if we're being completely. honest. PayPal credit. What's going on.

with this? That's just little purchases. I like to push off. Like, you get the. six month and then you pay it off. So, like sneakers that I need for. work. or concert tickets or flights when I go. somewhere. Little purchases. Those. aren't little purchases. Thought you. were talking about like a vending. machine stop Mc Fry, huh? No, I would. never. Well, you said little purchases.

Again, you have no concept of money cuz. you've never had to work for anything in. your life. Everything's bananas and. you've never faced any consequences and. nothing's ever negatively impacted you. in your life financially because you. always had money in your back. No, I used to have daddy too, but he. died. Well, see, told you it can happen. Are you sure you want to leave that on. your mom? If you do, I'm very sorry. That sucks. That's sad. and I am sorry. But that shows that life. happens and you can die. Which means you.

put your mortgage on your husband's. back. Means you put the credit cards. that your mom took out for you on her. back. Well, I got life insurance for my. for myself. For myself? Yeah. How much? I think it's like a million or. something. Okay. What's the status of. it? What does that mean? Just like how. long have you been paying into it? you. know. Cheers. Okay. What kind of life. insurance do you have? It's through AAA. What kind of life insurance do you have?

Okay. What do you mean? That's a. different conversation. We don't need to. go there. I don't care. I'm going. through your debt. $1,236 with a 30 $30 minimum payment. Yes, you made more than the minimum on. this, but it doesn't always matter. And. there were purchases and adjustments. anyway. GG. Whatever the that is. Gogg. games, I think. 9 years to pay. off. Interest is zero for now. Nine. years. Nine years. Oh. To pay off. Not 9.

years. Interest free. No. Interest free. until. all depends on them. Many of them. No. Some start in October. Lady. June 14th. September 14th. I don't see a June, but. I do see October. September. Uh, wait. Sorry. October. November. November. November. And then February. February. So that's a lot to pay off by then when. they started and that and interest is. acrewing like crazy. $16, $16, $32, $18, $7, $4. They will hit, they will blow,

they will destroy you and it'll be. if he ever wants to get a real job and. bring in real income, I'll gift them. career certification by the way. No, mattress firm. I hope so. It's hot, isn't it? Yeah. mattress firm. $2,55.36 available to spend. I hate that.

it even says that. What is the minimum. monthly payment on this normally? Cuz it. was already paid on here so I can't see. cuz you didn't send a statement. You. sent a screenshot. I know cuz we had. just got How much is the minimum monthly. payment? I don't know the minimum. I. only know the amount I would pay to. avoid the interest which is 100. Probably 45 bucks. No. 80. Maybe I wrote it down. I'm going to call. it 45 bucks. Okay. So, what is it? I'm. guessing that's for a mattress. Yes, you'd be correct.

How much of a mattress did you get and. when? How much of a mattress? The amount. of dollar. The amount that's on there. No. What was the purchase price, lady? Did you just get it? Yeah. That's why. it's a screenshot cuz we had just got. it. So, a 2,000 hour mattress. Yeah, nice mattress. That's nice. You need. that instead of being able to bank your. other payments. Remember, you just went. and got $1,200 emergency Botox. That. could have covered that. That's more. important. You guys didn't have a. mattress before. We had a really old.

mattress from 2010. Good. So, you had a. mattress. Yeah, but it's not good for. your back. You could have You could have. gone another 6 months. And also, we. don't know the state of that mattress. That could have been a mattress. Some. mattresses will last a lifetime with. really good mattresses. I don't know. what the state of that mattress was. We. don't know what would have happened in 6. months. Maybe you would have had more. money to get a mattress and not have to. go to death for your Botox for a reason. I agree with you. getting. But it's how you went about it. and the way you're living life around.

it, which is Yeah. I'm surprised mom. wouldn't cover that. That's something. where it's like, "Mommy, I would rather. mommy step in and be like, oh, daughter's dying. Let me help." Instead. of like, "Here you go. Let me enable. your bad behavior.". Hm. Apple card. Great. Love it. Oh my. We have so many cards. This is insane. Balance. $2,776.54. Minimum monthly payment $41. 14 years to pay.

off. Went in. Got some [ __ ] in the. gas station. Apple card. Went in. Got. some BS. Premium. Apple bill. Winning. Got some BS. underbelly. [ __ ] [ __ ]. [ __ ]. [ __ ] Interest is acrewing. Pull up. your phone. Oh, I don't know how to get. there on there. Never mind. What subsc. What subscriptions are you subscribed to. on the Google Play Store? Just Game. Pass. Google Play Store. Let me play. I have Well, my husband has.

Dropbox, iCloud. You have an iPhone, too? Yeah. Why? For work. You have. subscriptions on there? No. Tell. Okay. Tell me. Keep reading. Go. Start from. the start. Read again. Dropbox, iCloud, Game Pass, My Gym. We have the Amazon. Prime. We have AMC through Amazon Prime. Okay. I have Bubble. Spotify. There's a. bubble. It's like an app where your.

favorite Korean actor or idol can. Wonderful. Cancel it. Wonderful. Good. It's only $4. Don't care. Cancel it. Only $4. It's adding up. You have no. value. And you don't understand the. value of a dollar cuz you've never had. to. It's just $4. Exactly. You keep. going. Spotify and YouTube. If you have YouTube Premium, you use. YouTube Music. I didn't even know we had. YouTube Premium. Cancel Spotify two. weeks ago. He says no. I don't give a.

what he says. I literally do not. He's a. dumb. I don't give a [ __ ] No, he's not. Well, he is to me if he's not willing to. sacrifice anything for his future child. He's not willing to give up YouTube and. Spotify. But I said if you have YouTube. Premium, give up Spotify. Anything else? Oh, you don't need both. He uses them. for different things. Well, he doesn't. have to. And his music is on Spotify. And it can be on YouTube. It is. How do you expect him to make money? Do. you have to subscribe to premium for.

that? Do you know that for a fact before. you say yes? There you go. So, shut the. up. The YouTube he has to watch you. Um, yeah. He couldn't come here. Nah, he's. busy. No, he's a [ __ ] No, he's not. He's more of a man than you. Doubt it. I. actually face my I got honor my. finances. I sacrifice for more of a man. Goes on tour and stops at the gas. station for all his meals and won't. sacrifice anything for the sake of his. child. He wants to have a kid. He won't. sacrifice a single thing. You got to get. an energy drink. Yeah. He can stockpile.

if he's a if he's a [ __ ] man who. knows how to do anything and care for. himself. Can't even care for his wife. Can't even have a conversation. Again, he would stand up to his wife and be. like, "Yo, what's going on, [ __ ]. What's going on? What's happening?". Well, he would never call me a [ __ ]. Well, I'm just saying that cuz I'm. thinking that is you. But no, he's very. much in charge. He's very Yeah. And. that's why that you don't tell him. anything. Yeah. Yeah. I don't want him. to worry. Very manly. Yes. Oh, he get all worried. He gets a little bit worried. He can't.

have He can't do anything cuz he might. get a little bit worried. He's not like. any of the [ __ ] I've seen on your. show. But you are. But I am. Sure, I'll be a. [ __ ] but he's not. Yeah, these are my purchases. I have the. household finances. You told me. Yeah. And no, they're households. We went to. him. Some were his purchases. You. literally just said that like 5 seconds.

ago. Yeah, but those are Shut the [ __ ]. up. I don't give a This is a pointless. pointless rabbit hole. Pointless rabbit. hole of. nothingness. Okay. And we have an auto. loan. Yes. Two. You didn't wear. deodorant. $10,257.17. Well, it's radiating to my. nostrils. Okay. I'm sorry. Minimum monthly payment, it looks like. $178.76. You're coming to a place that. is 103°. I know. I don't wear it at.

home, so I forgot. Want me to go use the. bathroom spray? No, I want to just wrap. this up so I can be free from you. What. is this car? Uh, that's our RAV 4. Okay. What's the interest rate? Well, I don't. know. Six. I don't know. Six. Can you give me what? What is it? Do you know? No. You don't. know at all? No. What does it matter? I. have to pay it anyway. What does it. matter? Because it's it defines if it's. bad or good. If we should speed up the.

payments. If we should not. The [ __ ] are. you talking about? It's 6.5. How am I. supposed to pay speed up the payments? My choices. Okay. What is it worth? Do. you know the Toyota RAV 4? The Toyota. RAV 4. I don't know. Like a commercial. 97. So, you're not terribly underwater. The. interest rate's not disgustingly the. worst. Yeah. Like your existence, but it. I mean, if you're taking appreciation, you're not certainly beating the market. if the money was in the market instead.

So, it's not like thrilling. Mhm. So, we might come back to it. Toyota. Okay. Double car. That makes sense. Toyota. What is this? Tacoma pickup. I know what a Tacoma is. They might not know. They. do. But what I don't know is the. balance. Could you please tell me that? What? I don't know. I see the minimum. fee payment. I don't see the balance. It's probably Do we have the balance?

Minimum payment is. $178.50. We are investigating balance. I'm not sure. It's a lease, so it's. probably like 12. It's a lease. How long. is the lease? You know, feasible. Get. wrapped up in that. Yeah. What's the. buyout? Usually it says that, too. I don't know. We don't know anything. Okay, great. At. least we know there's a minimum payment. there. Okay, here's the mortgage. Yeah, I don't know.

$49,154.86. Minimum monthly payment. $3,738.90. 6% interest rate. Yes, but our tenant pays 1,300. Okay, we'll calculate that into your. income afterwards. Okay. Yeah, that. helps cuz that's pretty. brutal. I mean, that's half youring. income. So that's a risky home to get.

Why? Why do we get this? This doesn't. make sense. You can't afford it. If you. didn't have the roommate, who knows how. long that roommate's going to stay. there. He'll stay. He's like our She'll. be fine. It's like you don't you just. again, he's like our Joey from Friends. He's always going to follow us. He's. looked, you know, even the Mississippi. that's been there forever changes. course. He's lived with my husband for. 15 years. Okay. Doesn't mean he's going. to for another 15. I don't think he's Nothing is that. stagnant in life. Life changes. You just.

literally think everything will stay the. same in our life. In our lives. What is it? A [ __ ]. three-way. I like he might You don't. know. No, it's not a three-way. It's just. really good friends. He might have. ambitions eventually eventually to leave. and go do things. He might What if he. meets someone? He did meet someone. They. dated and they broke up. What if he. meets again? Leave. So, he didn't want. to leave, so they broke up. Oh my gosh.

Okay. And maybe you're the only person. in this entire world where the entire. life literally will never change for the. next multiple decades to. come. Okay. Checking account 3,000 went. up from one. So, what? No, no, no. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. No, no, no, no, no, no, no, no. checking account went from. no ending balance $0. What account? Your. Chase checking account. Yeah, I use it.

to pay bills. I told you we have no $0. though. Probably that's insane for a. checking account. Why? What if a bill comes due and you. don't have the money? Oh my. That did. happen. Then it comes out of. savings. We have the overdraft. protection. Yet we decide to go to. Coloss and go in the gas station, get. some BS. McDonald's, go in the gas. station, get some BS. Ash Greenhouse. Cafe. We decide to do this even when we.

get down to $0. We go [ __ ] PayPaling. and going in, getting some BS. Going in, getting some BS. Little Lunch or Neon. Lunch Cafe or whatever. I don't know. Aqua Hut Lunch Cafe. Starbucks. Tropical. Aquarium. We're doing this when we get. down to $0. Billy Pretzel. Tropical. Aquarium. I said, "Okay, Nirvana, go in and get it. to be a smoke shop." Oh, glad we have. aing addiction when we're about to bring.

in a kid. Let's get lung cancer. I quit. When? Two months ago. What? Why do I see. smoke shop then? My husband. Okay. What. the He's involved in the kids life. I. don't know if you know this. Oh, you. think everything either applies to you. or him? Nothing combined. I. He's going to quit, but it doesn't. matter if he doesn't. Hush now. Greenhouse Cafe went and got some BS. Disney Plus. You don't even have a child. yet though. Andor is fantastic. When in.

Huh? You watch Andor? Yeah. Okay, maybe. I don't hate you for a second. Thanks. Did you watch the finale yesterday? No, not yet. Okay, I hate you again. Shut. up. Winning and got some BS. Winning and got. some BS. Her $600. Who even or $60? Who. even knows where the that went? Winning. and got some BS. Gift store. Lunch cafe. Wine and liquor. We're doing all this. while we're draining it down to $0. Ladies and gentlemen, yeah, shouldn't I use my debit card. instead of my credit card?

Steakhouse winning and got some BS. Kings. MT Zela Money. It's the fact that she. shouldn't be doing it at all. How come I. not comprehend that? Smoke shop, greenhouse cafe, PayPal. Y winning got some BS. Sine convenience. store. Winning got some BS. PayPal. Domino went out someing stupid BS. Starbucks.

Shaboo Starbucks BS BS BS PayPal BS. Nirvana. McDonald's BS BS BS. Lunch. Lynch. Cafe BS. Zelon out, Dunkin' Donuts, Transfer, Burger King, Bath and Butty. Works, and Money Out, Dollars in Things, BS. Zelling Out. BS BSing. Money.

Out Cafe and GrubHub. food. BS. Great. It's the savings. That's the. savings that three has $3,000. But the. checking account ended at zero. [ __ ]. stupid dumb dollars. And we're going to. have a kid. Good luck to that one. Good. luck, little child. Whenever you join. us, $80 in this checking account. Oh, Tropical Aquarium, Duncan, BS, Taco.

Bell, Wendy's, Little Tokyo. Good thing. Good thing it keeps going. Mhm. Zel zel. Grubhub cereum cereium the the brain. thing. I can't pronounce it right now. cuz I'm probably desperately dehydrated. in this 90° room selling out money. Oh, $1,000 in retirement. We're so sorry, guys. Oh, $46,000. Who's this? Is that. you? What? $46,000 in this retirement. account. Is that you? Yeah. Does he have. anything or is that the,000? What.

thousand? Oh, he doesn't have a. retirement. He has his stocks. Did he respond? Probably not. Is he a. [ __ ] What is happening? Why is he. responding? He's probably doing stuff. What is he doing that his wife doesn't. matter? Enron. Just kidding. That's what he. said. Why? It's such an undiversified. portfolio. It's so specific. Oh, thought. you said just kidding. He didn't say. Well, that is an E. It is an E. So, what.

did he say? He said Enron. Just kidding. What? Get the real Oh, lady, you are a. [ __ ] creature that has been patched. out of an egg and brought into this room. to punish me. Are you proud of your existence? Do you. like that you exist? Yeah. Why? I'm funny. I'm cute. Funny. No. Cute.

Pretty. Yeah. You're fine. Thank you. But you're definitely not a cute. personality. And you are not funny. You're horrendous. Well, in daytoday. life. Daytoday life. Your daytoday life. Look what you've Look what you've done. Look what you have made. I know. I'm. stinking up your place. Yeah, you're. also stinking up my [ __ ] place. Listen, your minimum payments, including. your mortgage, is. $2,886. Okay, mortgage is.

$3,7389. I know we will incorporate that. additional income here in a second, but. what about utilities? How much goes out. in total? So, electricity. is. 254. Internet internet is. 80. Car insurance is 438. But no, I'm saying utilities. Oh, sorry. Is there gas? Utility gas like for my. house? Yes. Oil. Huh? Oil. But it's okay. How much? I.

don't know because we only fill it twice. a year. It's about 2,000 a year. Okay. So, a thousand. So, 2,000 2. You've you've killed me. What was the. electricity again? 254. What was uh the. internet? 80. Okay. Utilities. Would you. live in the [ __ ] middle of nowhere? That's so weird. Utilities is. $5001. Okay. What's your car insurance?

438. gas v from drive drive. 180. No, for both. Sorry, I was doing. two weeks. 360. 360 phone bill. 210, but my mother-in-law pays $40. towards it. Well, great. We've saved so. much money. $170. Well, I want to. switch, but necessary food $600. 600.

Use the cookbook 600. Meal prep 600. Yes, you can do it. Okay. TP fund. Anything else you need? $550. No subscription. Well, sub fine. Whatever. Let's say you have a few. subscriptions. $25. How much for the. gym? 30. I I this entire episode I've had to fart. so bad. And honestly, because of how. much you're stinking up this video, I. probably should as revenge, but I'm not. going to. I'm not going. Ew. Weirdo. No, I don't care. Oh, you just you're Ew.

How much medical on a monthly basis? Co-pays and stuff like that. Zero. Okay. What else needs to be in your. budget that I haven't taken in account? I have ADT security system. It's 65. months. Okay. Do you have pets? Yes. Pet. insurance for my little girl is 32. And. then the food for them they. get we buy once every 3 months. Come on.

60. So divide that by 320. Anything else? Not necessities. No. Good. I don't give. a rest. Can just use Oh, the life. insurance. Use our budgeting app. Does. that get taken out before your pay hits. or after? After. So you sign up for it. separately. And that's okay cuz life. insurance doesn't always follow work, right? I get it. How much is the life insurance? 45 yourself.

Oh, you're. so needed to survive is. $8,26359 and you thought it was you. thought it wasing uh 6,000 whatever. Okay, great. So, okay, how much comes in for rent? 1300. Okay, great. So, the entire. household income is. 7,600. How did you think you were making. this? I'm so confused. $8,26359. You're underwater by.

$66359. The only option is he goes gets. another job, you go get another job. because there is no survival here. Yeah. I'm going to double check the math just. to make sure cuz that's a big number and. I don't want to [ __ ] it up and I don't. want to doom and gloom. I was right. All right. You go get. another job. He goes get another job and. you guys live on bare minimum and you. grind to pay it off. But just that. $70,000 of bad debt. Bring an extra. $1,000 a month net which is definitely.

sorry. No, no, $1,663 net. If you go and bring that in, that still takes. what? Eight Six years to pay off debt. I. don't know. And don't consolidate again. You haven't changed behavior. Look how. Look at the spending in the checking. account. Six years so bad. That's six. years with you bringing in an an extra. net. Probably an extra before tax is. 2,250. Okay. Before taxes, that's you. both combined. So that's a lot of work. That's you cutting back to zero doing.

that for 6 years. That extra work, probably 55 hours each a week in work. So that's pretty bad. Sorry. This is. where you are. Listen, what you might. honestly want to do if you can prove for. six months that you changed your. behavior, maybe go through bankruptcy. But do not do any kind of debt shortcut. until you fix your behavior or we will. be having this conversation again in. just a year. Yeah. Well, so if you can. fix your behavior in 6 months, come back. on the follow-up channel and then I will. give you permission for consolidation or.

for or bankruptcy. But until then, you. need to [ __ ] grind this and go make that. extra money cuz that's it. Spending a. budget, you overspend 010. I'm going to. call the husband in the post show. So. stick around. It's always the juiciest. conversation. Subscribe below. The elite. version is the best YouTube membership. on the entire platform and it really. helps support this channel. Debt. This is this is brutal debt. But. no collections, one out of 10. No IRS. debt. Emergency fund. There's 3,000 in. savings. I'll give you a two out of 10.

for what it takes for you to survive. Retirement. Yours is good, but then you. have to combine you guys together with. where you're at. Combining him. Four out. of 10. Real estate. What's the equity. position of the house? What's it worth. the house? Uh, it's worth 550 now. Okay. Well, this is what's going to carry you. I get to add extra nuance to my score. since you didn't put down the down. payment. You don't even appreciate it. I. was going to I'm going to take you from. an eight to a seven. [ __ ]. you. Hammer financial score rounded up.

three out of 10. Guys, join us for the. post show. It's going to get really. juicy when I bring in the husband and. actually expose all hering [ __ ] for. real and let him know what is actually. happening. It's going to be crazy. And. don't forget, if you don't want to be. like a guest on the show, just download. my budgeting app. And for those who sign. up for the annual version of Premium, I'll send you the budget friendly. cookbook, which you can't purchase. anywhere else. I'll sign it and mail it. directly to you. See you in the post. show. Why you too much of a [ __ ] to. come sit in front of me? Your whole. stick doesn't appeal to me. Your stick. is just going worse than a debt and not. knowing a single thing about it. It is.

what it is. This kid's going to grow up. on the streets. That's what we're. hoping. What? That'll grow up on the. streets. How much high interest bad debt. do you guys do you think you guys have? 20,000 buddy. It's $7,000. $70,000. I know we're bringing kids into. this world, but you're giving short. answers that a child would give. How the. do we deal with that? So, call him back. and try to convince him. I will call. exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of.

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