Young Men Sustain This Bloodsucker | Financial Audit

So, I'm a I'm a cougar. My my boyfriend. is 10 years younger than me. And how is. his financial situation? He's leaps and. bounds ahead of me. How aware is he of. your financial situation? Cuz no way is. that man going to married someone who's. completely financially he's not going to. allow it to go to the next step. The tools to change your life have just. been upgraded. Download my budgeting app. rebranded to DollarWise today and start. your free trial. Sign up for the annual. version and I'll send you my budget. friendly cookbook that can't be. purchased anywhere else and I'll.

personally sign it and mail it directly. to you. Download the Dollar Wise. budgeting app today and take advantage. of your free trial. Hi, I'm Lauren. I am 34 years old from. Clarksville, Tennessee, and this is. Financial Audit. Thanks for coming down to Austin. What. do you do for a living in Clarksville? I. am a medical laboratory scientist. Okay, sounds like that can make money. What. are we making? Yeah. Uh, averages out to. about 39 an hour. Okay. And it's always. the people making good money that are.

doing worse. I I've honestly heard. interesting things like, "Oh, this shows. like poverty." It's interesting. Not. because a lot of the people that come on. the show make a great income above the. median or at the median, but then they. just it up even more. Yeah, it's crazy. Now, don't get me wrong. This is full. Caleb's ringer, but we have fun with it. So, what is that take-home pay on a. monthly basis? About five grand. Okay. Five grand after taxes. Clarksville,

Tennessee. Is that a major city? So, I. know Nashville. I know it's becoming a. major city. And I do work in Nashville. How expensive? Oh, you work in. Nashville. How expensive is it? Cuz. $60,000 a year. This is not bad at all. This is not bad. Not make either. Um. Okay. What else are we making? Uh 22.40. on VA disability a month. So my take. home is like 72 a month. Okay. Yeah. There has never been a. veteran in the history of the show that. does not have VA disability. So what'. you do? What was your service? Army four.

years. Okay. Long time ago. What's your. thoughts on that? Cuz it's every single. time. And I'm not like saying like don't. let anyone get anything, but there is. not literally one single person that has. served in the military in the history of. 3 years of the show, and we get like a. few a month, that does not get VA. disability for the rest of their life. forever. Yeah. So, anything that you. that happens to you while you're. serving, you can claim as a service. connected disability. Um, as long as you.

can prove that it happened to you during. time in service. And now you have this. for life. Yep. They can reread. Okay. So, well, I mean 7,200. Why are we. struggling? Cuz that is not bad. That is. not bad. No, I spend money on on bull. I. spend a lot of money on things that I. don't need. Um, and yeah, that's that's. why we're struggling. My rent is 2 grand. a month. That's part of it. Well, that's. part of it. I mean, yeah, but the rest.

is is it's under 30%. That's not killing. you. Okay. Well, that tells me then that. you actually have no idea what's going. on, which is I guess why this show. exists because like your rent Yeah. That's chunky. 28% of your net, not even. your gross net, that is chunky. Mhm. It's not make or break your life. That. is where a lot of people sit. Many. people go higher. You shouldn't, but. sometimes you have to. So, in your mind. or just in general, what we're talking. about, what is going on? What are we.

talking about today? So, I'm a I'm a. cougar. My my boyfriend is 10 years. younger than me. And I would like to, you know, like live our happily ever. after. Live my dream life. 34. So, he's. 24. Yeah. Okay. Twitter will call you a. predator. That's okay. Uh, that's. interesting. Wow. How long have you guys. been together? You said boyfriend? Yeah. So, not married? No. How long have we. been together? Almost a year. Okay. Interesting. Maybe we'll bring him on. later in the show. Is he here? He is. Or. does he call? Okay. So, he's physically. here? Yeah. Oh, yeah. He came. He loves.

you far more than I do. So, okay. What. is it? A competition? What are we doing? Yeah, it might be. I don't know. So, you. want to live a happily ever together. year? What are are we in the world of. proposal? Are we in the world of talking. marriage? You guys even live together. yet? I am moving in with him in August. My lease is up in August. So, um Okay, that's a big step. Yeah. I mean, I feel. like the the timeline is is acceptable. I feel like people move in together. after like a year. And how is his.

financial situation? He's. leaps and bounds ahead of me. Okay. He. has no debt. Like legit. How aware is he. of your financial situation? Of which he. doesn't 100%. He knows. Okay. And he's. not necessarily required to just a year. in not even, you know, living with each. other. But once you start getting into. living with each other, it makes sense. to learn a bit more cuz all of a sudden. that person could kind of you. just their finances are a mess. which is. why we had that conversation. We had. been together for like 6 months and I.

was like, you know, this is And what. does he think about this chunky stack? He was not happy. When did he learn and. what happened? Uh we were like I don't. know about 6 months in and we had I. realized that it was going to be a. serious relationship. I didn't know like. you know we had already I realized it. was going to be like a long-term thing. and I was like this is a conversation. that needs to be had because we both. have dreams and desires in life. And and. how long have you been accumulating all. this? uh since I was 18 probably. I mean, well, it was more back then, but um.

current debt. about 2 years, honestly. I paid it all. off. I mean, current you paid it all. off. Yeah. And we're back here. Why? What happened? Um Oh, that's what always. happens. And again, you have an. incredible income. You have this. disability that it lasts forever. Mhm. It's like, okay, I made even more money. I made a lot more money. I was making. like 130 a couple years ago. Why aren't.

you now? What happened? Because I was. traveling. So, it's like, why are we. doing more travel? I don't want to do it. anymore. And I know that's a want and a. desire, but I'm not going to do it ever. again. It took a lot of time away from. my kids and the stability was. non-existent. Um, so I'm not going to do. that ever again. Well, it's not like you. have to travel, but again, if if if our. income goes down and all these things, then we have to adjust our lifestyle. Why are you Why did you pay off that 2. years ago? And why are we all of a. sudden back to where we were? Because I.

kept living like I was making $130,000. Why no adjustment? Do you budget? Have. you ever budgeted? What are we doing? I. budget now, but I didn't then. I was. like checking my bank account like, do I. have the money? Budget now. Okay. Then. tell me exactly what was spent last. month and what came in. Oh god. What. came in was like 10,500ish, but go ahead. What went out? Oh, well, what went out was probably like 12. grand. I don't know. Listen, one, your. numbers are a little wrong, but you're. in the right ballpark. Okay. But two, if. you budget and know you spent $2,000.

more than you make, is that actually. budget? What is that overspending? Literally last month, and this is great. income, $10,124. I don't know why extra. even came in, but you can answer that in. a second. But went out was $11,469. That's closer than I thought. Still not. great, but that's First of all, where. was the extra income coming in? And then. why the are we spending so much more? I. closed out um my TSP when I quit my last. job. So, it wasn't even income. No, it.

was like And then even still, even with. that extra, how the possibly why even do. you even know how you got to spending so. much more than you brought in even. though it wasn't even income first? Oh, so many questions. Okay. Why' you close. that out? Why did you close out the. account? Because I listened to another. financial person. What? On the internet. Tell. Um, well, I didn't listen to him. Tell He didn't say Dave Ramsey. Dave. Ramsey always says like, "Don't put into. retirement." I know. Don't. Okay. Don't.

He doesn't say pull out from retirement. and pay capital gains and early withdraw. penalties. I didn't know. Okay, hang on. I You did not listen to David Ramsey. No, not on that. That's what I'm saying. I stopped putting into my retirement. because he says to, but I pulled it out. because I didn't know that it would roll. if it would roll over because it's a. government. whatever you call it retirement thing. I. didn't think it would roll over. It. probably would have, but I didn't. Or. just let it sit anyway. I probably.

should have, but I didn't. But the pull. out was because you thought it would. just go away. I'm saying I took it out. because I didn't think it would roll. over is what I thought. I didn't think I. could bring it into the new job. But. even if you couldn't roll it over, why. does that mean withdraw? Oh, cuz I Well, I used it obviously. I was going to use. it to pay more. You didn't roll over. Why does that equal withdraw? It. doesn't. So, why did you? Cuz I needed. the Well, I didn't need the money, but I. used different. You were saying it's. because you couldn't roll it over, which. is [ __ ] Well, I didn't think it.

would. No, it doesn't matter. Even if it. would or wouldn't, it doesn't matter. You could just let it sit there. Yeah, I. could have. But I took it out cuz I used. it. I want. Yes, that's the real answer. It took us like three minutes to get to. the real answer. It wasn't David. It. wasn't cuz it wouldn't roll over. It's. cuz you wanted to spend the money and. then yet you still spend $1,000 more. than you actually even spent in that. month. Yeah, I did. So, your goals seem. to be completely conflicting. If our. idea and goal is to live happily ever. after with our, you know, pubescent.

boyfriend, then he's not pubescent. That's That's a stretch. He is. And I'm. just using internet brain. But if that's. our goal, pulling from retirement and. even after pulling from retirement, blowing even more is not getting us to. that goal. So this is completely. conflicting. So what is your actual. goal? Where's your mind? Is it your. light goal that's in the back of your. head, yet you're not even pursuing it. because you prefer actually blowing your. money and it off into monsters and.

whatnot? I didn't pay for this. Boyfriend paid for this. So good. boyfriend. Okay. He is even if he's. pubescent. So anyway, I went on vacation. that month. Honestly, that's why you. pulled from retirement to go on. vacation. Yeah. You pulled all future. vacations to go on one vacation now. Not. all cuz I'll maybe fix it, but I want to. fix it. No. Okay. You want to fix it? Yet you just did this. What are you. talking about? Yeah, I could go stab. someone in the throat of the street and.

be like, "Oh, I want to fix this wound.". I still stabbed them. So, what are you. talking about? Want to fix it? Don't do. it in the first place. And you don't. have anything to fix. What do you That's. Well, if I could not if I could undo it. in the first place, I would not be here. Just happened. Well, yeah. Yeah, it did. Still, this isn't something a year ago, right? But your your point still stands. What I whatever I did is done now. Like. you stabbing somebody in the throat. Yeah, but this just happened. I'm not. going to absolutely tear you apart for a. year, 2, 3 years ago. This literally. just happened. Meaning you could do the.

same thing tomorrow with what other. other accounts you might have. Who even. knows? Probably none. But I don't want. you anymore. What has changed in a week? I told you. Now we've decided to commit. to a little boy. Okay. He's a big man. He is tall actually. Okay. What has. changed? I want to I told you I want to. get together cuz I don't want to. So. what has changed? Conversations have been had that are. very important. Like we have talked. about marriage and we have similar goals.

of like and this just happened within a. couple weeks in like a month. Yeah. Conversations happen over time. Have you. been in a relationship longer than 6. months? I am right now. Okay. So you have different. conversations as time goes on. Correct. Sure. Of course. But what just So you're. telling me it literally lined up. perfectly timeline your multiverse just. like we had boom. We would draw and then. boom immediately we have the. conversation about marriage and then. boom you come on the show. No because.

that money. the money that I spent on that vacation. was to take him to meet my family. So we. went to the northeast. He met my family. and afterwards oh when we came back. that's when the conversation was had. Did he know you pulled for retirement to. do that? I don't think so actually. I. don't think I told him that I. cancelceled that I closed my TSP. and his finances are good. Yeah, they. are. I told him that I'm in a lo of.

debt. I didn't tell him like he knows. You know, this is actually important to. this conversation before we hop on these. finances. I would rather him know and. get his thoughts on it. Okay, let's. bring him in. What's a good Jeffrey? Oh. god. Jeffrey. Jeff's not your real name, is it? Good. Jeffrey, uh, scoot on in, buddy. We'll have a nice little. conversation, Jeffrey. Okay, welcome. Uh, so here's. the thing. Here's the reality. And. listen, I thought maybe we'd bring you. in for the post show, but we'll bring. you in for this moment right here and.

then we'll get you off. But I know your. finances are good. Here's the thing. I. asked her what she wants to do and uh. why she's here, what she's what she. wants to talk about, and she's a. self-confessed cougar that wants to. honestly get her together so that she. can live her happily ever after with her. young little twink. So, the the last part was an embellishment. on my end, but either way, what levels. of disrespect are at an all-time high, of course. Uh, but what you don't know,

and I know your finances are good, and. what you don't know is that you went to. meet your family, right? Yes. In the. Northeast. Okay. So, we travel from. Tennessee to the Northeast to meet her. family. So, you guys could like, okay, great. You met the family. Uh-oh. Are we. going to pursue this more long term? We're going to figure that out. How do. we pay for the vacation? How did she pay. for the vacation? I'll tell you. She. literally pulled everything from hering. retirement to pay for that trip. Okay. The girl that wants to marry you and.

live her entire life with you has pulled. from her retirement in her mid30s, her. second best decade for compound growth. Luckily, she gets disability for the. rest of her life. But what do you think, dude? Cuz that's she just she wants to. do everything and to meet her family to. take you to them. She's pulled from. everything. It's not ideal. Certainly. We could have waited maybe, but I mean. it happened. And you're okay with her. pulling from retirement? You're the one. with good finances? She said, "No, I I. I'm not really okay with it, but it. happened." It happened. It happened. But.

what would you have said leading up to. it? At that point, we hadn't yet. Yeah. I hadn't told him how bad my was. Why? What has changed recently? What's going. on? We've gotten more involved since. then. Yeah. Yeah. Certainly. Also, even. that month that she brought home more. money because she pulled from her. retirement. That's not even bringing. home more money. She still spent over. $1,000 more than actually came in. M. your future forever potential mother of. your children, right? Yeah, I didn't. know that. Thoughts? Not good.

Certainly. Um. I definitely don't want that in the. future. How do we fix that in the. future? What is going to be potentially. different here? I don't know. We We've. had talks. She's moving in with you. She. can't manage her finances. She spends. way more than she makes. She's going to. be splitting the bills. What happens if. she can't make a bill do? Then all of a. sudden that completely falls on you. I. mean, I would like to not have to. Then. what are we doing to solve that and. communicate and fix it and work on it?

Cuz this is her most recent month, right? It's. lady's [ __ ] lo is $1,400. Going out to eat was $1,500. Okay, that's when we went. That's $1,000. So. $3,000 in [ __ ] at a minimum is. because we went to the Northeast. Well, yeah. We stayed for how long? For how. long? For a week. A week is $3,000. Yeah, we stayed in hotels. I had to feed. everybody. Well, he paid for food.

mostly. Then what the are you talking. about? What is she talking about? How do. you deal with this? What do you do to. fix this? What do you do to communicate? I mean, you seem softspoken. You seem. you like getting dominated by the. cougar. I get it. Well, I'm just reading I'm just reading. how it lays. No, no. It's just we. haven't really had the true conversation. of fin like we talk about finances in. this in the aspect of we want them to be. good and green but not really putting. any plans together which I appreciate.

and you guys aren't married and you're. not well we're not engaged or anything. so we don't necessarily need to yet but. we are moving in together and that's. where I would at least have the. conversation because now her bills. impact you much more right as in rent as. in if she decides to go below $3,000. minimum minimum on [ __ ] and she. can't make her part of the rent due. Yeah, that falls on you. You've paid for. dinners. You've gone on some trips, but. you haven't lived together and seen. someone destroy the household.

financially. And that is where she is. Yeah. Okay, we'll let you go. We'll let. you go, buddy. But I don't know. She's. pretty self-destructive from at least. what we can see pulling from retirement. and we'll have the rest of this. conversation with her and we'll bring. you back in for the post show. All. right. All right. It's just us again. So, we're going to jump into these. finances. I just want to know just so I. have any kind of baseline here. What. have you done if anything to even try? I.

did buy um the Master Your Money like. our budgeting program. Yeah. Like when. it first first came out, I didn't even. know who you were yet. How'd you find. it? A year and a half. I Googled like. like things that could help me. financially. SEO. Let's go. Yeah, you're. welcome. Um, but how the are you still. in here? Cuz literally tens of thousands. of people have changed their life. Not. even an ad. Cuz I didn't use it. Why would you spend money on something. that is actually very beneficial? Don't. get me wrong, very beneficial. Lots of.

quizzes, hours and hours of great. education. But why do that without the. committing? Cuz even still, you have a. month where you can be like, "Hey, this. isn't for me. Please refund it." And we. don't even ask questions. I didn't even. know that. What the Why? Why would you. bought Why would you in Why did you not. take it? Cuz you still have it. So it's. still a year and a half and you haven't. done anything. Why? Why'd you not take. it in a year and a half? I was busy. Busy with what? How many hours a week do. you work? I have How many hours a week.

do you work? I work 40 hours a week. You. I work eight days. Eight days straight. Okay. That doesn't. make sense. When do you do that? I work. eight on six off. So, I work like So, you're saying there's six days to take a. class? Six days to do mying laundry and. my dishes and whatever else. It takes. you six days to do laundry and dishes. Are you broken? I'm the only Is this why. you're on disability? Because you're. incapable of moving your limbs. I'm the. only adult in my house to take care of. my house. So, like I have the house. You.

live alone, right? I have kids. Whoa. Yeah, buddy. Yeah, that is different. But also, you can still take the program. just even while you're doing dishes for. what's worth and then pause for the. quizzes, but whatever. I probably should. have, but yeah, you probably should. have. I didn't. Your kids? Yes. With. him? No. No. Pre-kids? Yes. You were in. the military. This makes sense. I was. Yeah. Okay. Following all the. stereotypes. Gotcha. What are the you. Okay. What? I mean, you're not wrong.

No, you're No, you're not wrong. Divorce, bad credit, DD214. I just did it. Okay. You did it. it. Yeah. So that was my job in the military. in run this forever. Okay. Okay. Okay. Okay. Okay. Okay. It's okay. It's okay. How old are your kids? 13 and 11. Okay. Wow. Decently in the in that like middle. school, high school range. So they're. actually kind of Okay. They're not very. young. Wow. So we've been single moming. for a while. How long have we been.

single mom? Like seven years. Jeez. What. happened? uh. their dad and I just did not work out. obviously. Um there's a lot of lack of. communication and just like pre-existing. issues but okay we split up and you're. not are you you full custody? We do week. on week off. Okay then extra you you. could have taken the class. Ever feel. like your business finances are just. vibes? Same. But it turns out Vibespace.

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even if you're doing 40 hours a week, 6. days. No, eight. What? Wait, what? Which. is You said 40 hours a week. Yeah, it's. 40 hours a week over 8 days. It's 10our. days. Okay. There is still time. Yeah. 10 hours a day. That's That's one more. hour than people working their normal 9h. hour shift. So you have time when you. don't have kids. I'm poking holes to. this because there just isn't your logic. is not sound. No, I have to. No, I. don't. I mean, well, I probably do have. excusing. Yeah, you do. Yeah. You know,

should we Should I do the 24 - 10? 24 -. 10. How much is left? 14. And I drive an. hour and 15 minutes one way to get to. work. - 3 - 8 for sleep. You have 3. hours left. You're okay. That is daily. on the work days. And then even when you. have your kids, you still have time cuz. I bet they sleep. I bet they nap. I bet. they go outside and play cuz they're. [ __ ] homeschooled. So they are always. Why are they homeschooled? Stop. Why? Because I don't because I want. You. don't even have them the whole time.

though. This has to be so complex for. them and confusing. Just let them go to. school. Let them have social inter. Why? Because I don't want them I don't. want them to. We don't. Why? Because the. school. the school system that they would be in. is not great. Like the Aren't you. moving? Can they go to a better school. system? No. Charter schools, anything as. their choices? No. Okay. I'm going to. keep them homeschooled if they And are. you using that as a cope? No. The school.

system? No. No. I feel like there's a. deeper underlying issue here. No. Because Okay. When we moved from we. moved from Massachusetts to Tennessee. like two and a half years ago. And when. we moved, my son is like on an IEP that. they the state of Tennessee was like, "We're not going to honor this. We have. to like redo his whole thing. Okay. But. you have another kid. Yeah. My daughter. was still in regular school for that. year. And then last year, is it just. worth your time and worth their social. interaction? They have friends. Okay.

It's not like Minecraft friends. No. Well, I mean, most of my son's friends. are on the video games, but they do have. like real life friends. You said you. have goons. He has goons. What? Right. Isn't that what you said the one time. that you goon with your friends on the. internet? On the internet? Yeah. No, you said that one time. I have friends. here in Austin. Yeah. And then wait, how. long ago was that episode though? I. don't know. I don't know what you're. referencing. You said it one time. I.

promise. I mean, yes, we still. here and there. Okay. Okay. Anyway, regardless, the point is they have. friends in real life. They do. But now. my daughter's homeschooled, too. Okay. I. mean, I think you just have bad time. management. I don't know. I've I have. meal prepped in the past. I'm not going. to say I haven't, but it is easier. Obviously, it's more convenient to like. go through the drive-thru or go to. Dollar General and buy a freezer meal. You have almost a setup schedule that's.

perfect for meal prepping. Kind of. What. do you mean? Because if I because Okay, I will do my meals for 4 days because. they don't hold forever in the fridge. Yeah. And you still have time left over. We did this. Can I I want her to draw. something. Can I have the whiteboard? Oh, I want you to map out what a day in. the life of you looks like. You know, this is full Lauren and eventually. Jeffrey. what they do together. Map out your day. Give me what a day looks like. Cuz this.

is [ __ ] You have time and you're. using the oh I walk away I walk 40 hours. awake that you can't do anything. I'm. not saying I can't do anything. So he. homeschools the ex-husband homeschools. half the time. You home school half the. time. No they are in a program that like. it's just a I don't know what do you. call it? Stupid. It's not stu. They're. learning. Thank goodness. But. they're learning. What do you want? How.

do you want me to do this? What do you. want to do? A map out a day. I go to. work. I leave for work at noon. What do you want to Hang on. Because No, because my day is convoluted. My day is. convoluted. Because map it out. Tell me. what's happening. I'm telling you. 10:00 a.m. What? That's not the right. word. That's when I wake up. Wake up earlier. I don't want to. M.

because Okay, hang on. Let me ask you a. question. When you get home from work, do you immediately take your ass to bed? No, you don't. Right. Right. So, when I. get home at 1:30 in the morning, I'm not. going to bed. About your day and we'll. see the holes. Okay. All right. So, 2. hours to get ready in the morning, I. guess. No, I have to take a shower. Yeah. Yeah. A 2our shower. Okay. I. didn't say I'm in the shower for 2. hours. Well, we have 10 from noon. So this is two hours of who knows what. the of life of life that you're doing.

nothing productive probably. No. There. you go. Food. Make the food for the day. Sometimes I do. Not always. Uh not. always cuz you spend $1,500 going out to. eat. I said not always. I beat you to. it. So. I don't know when I go to bed like 3 or. 4. What was that? What is that at? 10:30. 10:30. Oh, that's 1:30. Sorry. That's 1:30 in the morning. Yeah. Yeah. 1:30 in the morning. I write everything. on like a 24-hour time. That's fine. You're.

bedish. job. Yeah. Um, let's see. Okay, I can. tell. Listen, I'm not going to do it. because Yeah, you areing with me and I'm. going to 3 to four. What? That's. aboutish. So, you have an hour and a. half there. Hour and a half to 2 and 1/2. hours. So, I'm okay with waking up at 10. obviously if we're going to bed at that. time. But this shows that there there is. two hours here. Yeah. And 1.5 to 2.5 hours here toinging meal.

prep, to budget, to go through the. class, to do things that actually. improve your life other than just. sitting there and being lazy. When do. you see Jeffrey? Uh when do you guys. actually date? Does he even know your. age? Have you guys had enough time. together to even be able to tell him how. old you are? You're right. You're right. He lowkey thinks I'm How do you see each. other? No, we met at work. So, not. current work. Uh, I used to work on a. military installation and that's He's. military, too. He's in the military. Is.

he he's in? Yeah. Will he be on. disability? Probably. Listen, there are certain benefits you. get awarded when you sign that dotted. line and you strap up some combat boots. and that's what you get. Sure, but this. is but it's disability. It's not. permanent retirement. it is labeled. disability. Like I'm good with I'm good. with it if it's like yeah get the VA. loan all this stuff but like. that check I just wrote for taxes last. week and all of a sudden everyone in the.

world is on disability not permanent. retirement if it is a permanent. retirement plan that we can talk about. and we can debate that in Congress. We. can debate that as the public in the. voting population. This is disability that you have to say. hey I'm disabled. Please give me. disability. You have to prove it. You. can't just say, but literally everyone. is able to prove it. 100% of the people. You get rated different. I don't know. I. know. And you're not full rated. But I. get it. But this is like all I'm saying.

Yeah. A lot of people do get it. But. it's something that you earn. You don't. just get it for fall. You get it for. something that disability is not. if it was a permanent retirement. If it. was the. uh whatever this is, it's a pointless. thing. The fact that 100% of the people. that have had it on the show. and our deficit is what it is. I mean, it's 2% of the entire federal budget. It's chunky. 2%. 2%'s chunky. How's 2%.

chunky? Cut 2% here, 2% there, 2% there. Then boom, all of a sudden, I don't have. to pay as much of taxes and can hire. more people and invest in my business. Okay. Well, and we can fund things that. whatever. I'm bringing it all together. again to just remind you guys, go to. dollarwise.com. You can bundle all of. our educational programs together, including all our future ones. Yeah, you. get access to them and the premium. version of our budgeting app for 80%. off. We created this new program called. Dollar Central. It is your one source of. truth for all of your financial.

education and all of your financial. tools. I guarantee you this will change. your life. It has changed tens of. thousands of other people's lives. And. right now it is 80% off at. dollarwise.com. Click those links below. It just shows that we do not care about. spending anymore, do we? Uh, where do you think your finances. are? 0 to 10, zero being the worst, 10. being the best. Five. Okay. If you want to see where you. assess on the score of finances, take. the assessment at caleb.com. It's free.

Uh, just take the quiz and you'll find. out where you are. And you can come on. the show by going to. calehammer.com/apply. And don't forget, if you don't want to be like a guest on. the show, download my budgeting app, which has been rebranded to DollarWise. Download that, take the free trial, sign. up for the annual version, and I'll send. you our cookbook that cannot be. purchased anywhere else. It's a budget. friendly cookbook, and I'll sign it, mail it directly to you, and join Dollar. Central, and you get the class that she. took and all of our other classes just. for one much lower cost instead of.

purchasing them individually. That also. signs you up for the budgeting app as. well. It's a program that makes it much. more accessible to everyone so that. everyone can sign up. Go to. dollarwise.com for that. Okay, let us. jump into Bank of America. Bank of. America. where 2% of the spending goes to you. What's going on with this? You see. what's going on? What do you mean? Tell. them what the is going Come on. It's a. podcast. People are watching. What is. going on with this card? Obviously, it's. almost maxed. Is it? I don't know. I I'm.

going in this blind. It's almost maxed. It's almost maxed. Yeah, it's basically. maxed out. Why? What is going on? Cuz I. spend a lot of money on it. It's the easiest card for me to use, honestly. That's why I use it so much. Oh, so what do you mean? Well, it's. actually the easiest to pay off. That's. why I use it. Which is why it's maxed. out. Yeah. Which is why we only put uh. even though we spent 620 on it, we put. 380 towards it. This is the easiest. to make the payment on because that's.

who I used for my debit account. So like. it's to transfer the money from my debit. to to that credit card is easy as hell. Why? It's usually a button on an app. Yeah, but it's easier through that cuz. then I don't have to like swipe to blah. blah blah. Well, one more thing transfer. from Well, yeah. So one more button and. all we're incapable of paying on a. credit card. Not saying I'm incapable, but So we our life on this card because. it's slight has a little less friction. to pay off. Slightly. Yeah. Huh. Yeah. That's why I use that card so much cuz.

it's the easiest one to pay off. Why use. the card regardless if you are not able. to pay it off and it is acrewing. interest and it's borderline maxed out. $108.40 cents of interest on a monthly. basis and you can't pay it off. Why are. we spending on it in general even if it. is easy to make a payment on? No, not. pay off but make a payment on because it. is one button instead of two. Why would. we still put money on a card like this. that ising you that is preventing you. from getting to the goal that you laid. out when we started this conversation? because I didn't have the money in my. debit account. Then why would we spend.

the money? Just because you get infinite. money forever doesn't mean that you can. just spend infinite money. It's not. infinite, obviously. But honestly, there. is a part of it. Let's just pretend. like, okay, it's perfectly good. You for. should get that forever. Whatever. And. and honestly, the majority probably do. I want to make that clear. But even. still, let's just say good, you get. this. It's all chill. Mhm. I think that. actually hurts you because you know this. money will come in no matter what. So, why not just blow all our money? Cuz.

we're going to get this even if we get. laid off, we get our disability forever. And that gives you that cushion where. you do not have to grind things out. You. do not have to actually cut back on. risks because you get this cushion. forever. So, even if you 100% deserve it. or don't, it doesn't matter. That I. think actually damages your mentality. financially. But that cushion, okay, you. keep bringing up this cushion. That. cushion is not enough to pay all of my. life expenses. Like that cushion all but. it is more than anyone gets. That. cushion covers my rent and my electric.

And guess what? Other people when they. get laid off, they don't have something. that covers the rest. They can join the. military, too. No, they get something. No, it it's not about whether you should. or should not get it. We're beyond that. part. I'm saying because you get this. forever. Other people, Lindsay, she's. right here. If she if this business goes. under and pretend she doesn't have an. emergency fund, she doesn't just have. this automatic money that is coming in. So she has to prepare her life for a. world where she would need to figure out.

how to pay rent. You don't have to. So. because of that, you feel this you you. are enabled to go and spend this money. that you do not have because you do not. have to worry about not being able to. pay rent if you do lose your job. Well, does that not make sense? No, it it. makes sense. Um then what? So then what what is your. possible thing you're going to say? All. I'm saying is Okay, so this card was. also Oh, you're going to yell at me even. more now because this card was paid off.

uh like two years ago. Okay. Yeah, that's what you brought up towards the. beginning. Okay. Yeah, that card was. paid off cuz I made more money. And. lifestyle inflation is a It is a real. thing. Yeah, your lifestyle inflation, I'm being told, is getting a tattoo a. single month. Every month is a single. tattoo, which is not cheap. And you have. a demogorgon. I do. It's dope. It's. expensive. Say it for what it is, though. It's dope. Yeah, it's you not. setting money aside to be able to take. care of yourself if you do get I enjoy. getting tattooed. You enjoy spending. money you don't have. Therapeutic for. me. I enjoy it. Cool. There are things.

that are therapeutic to everyone. If you. can't afford it, you don't get to do it. A daily massage would be therapeutic. It. doesn't fit in the budget. I don't give a It's money. It's math. Yeah. So, what are you talking about? I'm still going to get tattooed. I'm. sorry. So, you don't give a So, No, no, no, no, no, no. To be clear, tattoo is. more important than the future forever. and after with little twink, right? He's. not gay. You have to be gay to be a. twink. Isn't that what that means? Maybe.

I don't know. It's a term in the gay. world. You little homophobe. During. Pride Month of all months, I'm not homophobic. Even though your. tattoos are very gay. I'm old. Yeah, they're noting gay. They're dope. They're dope. My tattoos homophobic. again. Ladies and gentlemen, cancel her. I don't like you. My tattoos are cool. and I'm not going to stop Kim because it. is therapy and I don't pay for therapy. because of the VA. Good. And that's a. good benefit. Yeah, that's a benefit. that makes sense. Which is what my. disability is for. Listen, you pissed me.

out cuz you act like I don't deserve it. I didn't say deserve. I'm calling out. the system. Well, the system, but we're. not going down this, okay? We're not. going down this rabbit hole. And it's. not specifically about you. It's about. every single guest that's been on in 3. years. Okay. So, I'm saying you are. choosing tattoos over what you said was. your goal at the beginning, which is. your forever and ever with your boy. Yes. I haven't been tattooed in a couple. months. Oh, wow. We laid off for Yeah. 2. months. But you still said I'm going to.

get tattoos. I am still going to get. tattooed. So, you are preferring that. because you cannot fit it in a budget. You are choosing that over your future. with him because again, they are. conflicting. But if I get my together, then I can afford to start. But getting. tattoos while doing that is not getting. your together. If it fits and I can. afford to get a tattoo. No, it doesn't. cuz you should pay off debts. Well, you. don't have any you don't know how much. they cost. Okay. How much did the. demogorgan cost? 180. You That should. have gone towards debt. Congratulations. But it's still Okay. You're You don't.

like it when people say, but listen, you. paid off debt 2 years ago and now you're. in debt. Do not pretend like you know. what the you're talking about. You. don't. I was going to say I know what. I'm talking about. Why are you trying to. defend this? Cuz it's obviously. incorrect. Cuz it's $180 bucks. $180. that should go towards debt. If $180 is. okay, you wouldn't be in debt. But. you're in debt. So you shut up. That is. ridiculous. Listen, it's borderline max. out. How long does this take to pay off. if you only make your minimum payments. and you do not make any purchases on it, which you're incapable of? Probably like. 26 years. 20 years. He'll be 55 and.

he'll still be 30. He's 10 years younger. than me, Caleb. Not 30. We're getting. Mission Barbecue. Kenny, KFC, their uh. Cracker Barrel, Holiday in Express, Patriots Dinner, Cong Grand. Yeah, we spent a lot of. money on that. $425 in interest this. year so far. So, it's all bull. Yeah, it's all [ __ ] Max out a card that. we can't pay off. That is absolutely. holding us back from our primary goal, which obviously is not our primary goal.

cuz we prefer fun over our boyfriend. That's fun for my kids. That's all. during that vacation. your kids. You. want them to have a good No, not my. kids. My kids are incredible. Let me. finish it. Your kids, don't you want. them to have a good father-in-law? Well, then you should reward that. No, that's. how I speak. That's dumb. You can't say. your kids and then say them kids. Oh, no. No. Just that's cuz you don't have. kids. Anyway, continue. Yeah. But I am. saying. your kids having this fun right now.

Yeah. when we're obviously trying to. prioritize having a father in the. household, but you are delaying that. because no way is that man going to. married someone who's completely. financially, he's not going to allow it. to go to that next step. So, the kids. are moving in as well, obviously. Then, yeah, if you aren't earning up to $5,000. every single year just for holding your. investments, then honestly, why are you. even still with your broker? Today's. sponsor, Silo, is the world's first. cashback investing platform. And if you. deposit using my link, they'll boost.

your balance by 1% every single year for. life. Not a typo. Every year forever. Let me break that down. I've got a. $100,000 in the S&P 500 V ETF with silo. And that's a $1,000 bonus every single. year stacked on top of the average 9%. market growth. And over time, instead of. growing to $3.2 million like usual, with. silo bonuses, it grows to $3.8 million. That's an extra $600,000 just for. parking my money smarter. $1,000 extra. year is a no-brainer for $10 a month.

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avoiding a future financial audit, just. search Taylor Business Builder to get. started or click the link in the. description below and start setting your. business up the right way. All right, let's get back to the episode. We need. to prioritize that. We need to. prioritize life instead of their Insta. fun. and they are of the age where I. want them to enjoy things and have. memories. But listen, but it is your. mistake that you went from debtree 2. years ago and now you're debt and no it. is not thanks to David Ramsey. So no. it's not but my kids myups are not my.

kids' fault. So my kids still have to. deal with the consequences of mother's. upups. That's how it works when you're a. parent. No, they can deal with the. consequences. You don't think they have. to deal with the consequences of your. actions? They can deal with the. consequences. Who would have thought. your actions radiate to other people? Who would have thought that your actions. actually impact people outside of. yourself? Who would have thought? Welcome to motherhood. It's almost like. I've been doing it for a while. I know. Yeah. Anding it up. I'm not up. parenthood.

Finances. Finally. Finances. Yeah. And. your finances impact them. When my. parents were financially, it impacted. me. Doesn't mean they were bad parents, but that finances still impacted me. They're actually It doesn't impact them. because they still get to do what they. want on your credit cards and then your. credit cards are going to get maxed out. You're going to get things are going to. get pulled away. You're going to get. repo. They're not going to be able to. take them places. You when your credit. cards are maxed out, you won't be able. to afford to take them to the next. things. Then they have all these nice.

things they're used to doing. Then they. won't be able to do it. They won't be. able to do the sports things. They won't. be able to do the extra things. You. won't be able to buy them the next. Minecraft when that comes out so that. your kid can play with his Minecraft. friends. It's not Minecraft. It's my. daughter's hair. And And guess what? When the credit card's maxed out, you. won't be able to afford that cuz you. already said you don't have enough money. in your checking account. So, you areing. her over. and you don't have a safety net. You've. pulled from retirement. Your safety net. just covers rent. Good luck affording. food if the boyfriend doesn't want to be. there anymore. You are putting them at.

risk. If you do not see this, this is. incredibly dangerous. They are not going. to be at risk. How? Just because you don't want it. because it doesn't sound nice. That's. not how this works. My world is now. fluffing rainbows and unicorns. Bills. and necessary can't. People don't pay. bills sometimes. I had foreclosure. notices on my house growing up because. financial consequences have actual. consequences. You could end up there. You don't know if he's going to stick.

around. You've only been dating for a. year. Even without him, I've been. obviously paying all of my bills by. myself. Incorrect. You're 2 years into. maxed out debt. You are not paying. bills. You're going into debt. Lady, that is not paying bills. Going into. debt to buy. the whiteboard. I can't believe I have. to draw this diagram, but apparently I'm. dealing with a child. Should have sent. you back to grade school out outside of. the military. Hey lady, if this are your needs, okay, that's.

your needs, right? Do we agree? This is. all your income. That's your needs. Actually, no. The full thing is your. needs cuz you're taking care of it. Oh, but we want to spend this much of our. total income on BS. How do we do it? How. do we do it? Oh, we put it on a credit. card. Meaning you're actually in order. to afford this bull right here. You are. delayed in putting it over. You're. breaking the marker. Caleb, calm down. Jesus Christ.

Wait, push that thing. You are you are. you are pushing it over. You are pushing. it over to the credit card. You're. gross. Sorry, Lindsay. I have broken. her. Jesus Christ. You already broke it. She said you broke it last week. This is. the second. We need stronger. I think if you just. push the top piece down, it'll be okay. Hush now. Sorry. No. Because of your [ __ ] you are. essentially in a mathematical way.

putting your needs on a credit card as. well. You're just choosing what is being. put on credit cards and what's not. You. cannot afford your life. You are not. paying your bills. You are going further. into that. You the fact that you do not. see these consequences, your actions, that you do not see the potential why I. have anxiety around it. That you do not. see what consequences you might face are. going to put your kids in a dangerous. spot and it is not fair to them and it. is because of your motherhood. That is. the reality. Okay. Quicks. Mhm. What is. going on, mother? That one's also close. to maxed out. I think the max on that.

one's 2600 and it's at 21. So, also. almost maxed. $68 minimum monthly. payment with a balance of $2,1246. Yes, borderline maxed. Close to it. You'll be there before youing know it. You spent $1,4046. on it with interest of $47.52. hitting 13 years to pay this one off if. you don't purchase. And we know that you. can't not do that. So, what are we.

doing? Oh, good. It's the important. things in life. Waterburger, Creations, Blind, Cookout, Westbrook's Coffee, Hotel.com, The Karate Resort, The. Karate, It's Kalahari. That's not Kalahari. Not. Oh, Cartright. Cartright. Cartright. Cartwright Resort twice and then. Hotel.com again. Or is it around? Wait, can I see? Let me see it. No, seriously, let me see it because Okay, wait. You. bought your kid a horse?

Yeah. What? You bought your kid a horse? Okay. This is two charges. Hang on. Hang. on. Talk. We can talk about the horse in. a second. This is two charges because. that's a it's a resort hotel, but it's. also like a I don't give a It's all. [ __ ] There's not one necessity on. there. And you bought your kid a horse. I bought her a horse for her birthday. You You don't Your finances are You're. getting You're buying a horse. Yeah. You. know the the horse doesn't live with us,

which means it costs money to store. somewhere. Nope. She lives at my dad's. house cuz my dad has to pay for food. Your dad has I pay for the food. I don't. have to pay to board the horse and. doctor appointments. I have to pay for. her to get shued and I have to pay for. her dental what? I don't know with a. horse's tooth. But what are you doing? Why? My daughter wants a horse. Yeah. And it's not even at her house. No, but. she we see it. How far away is father? Like seven hours. But again, I have six days off. So I.

have off and my kids are homeschooled, so we can go during my six days off. Schooled. Yeah. Oh, they are sake. Well, it's summer now, so it doesn't even. matter. I'm sure they're learning just. as much. That's. a move. They do learn. karma. Ew. Yeah. Ew. I agree. How much was the. horse? Uh, I pay like a grand for the.

horse. Oh, yeah. And any when you get to my checking. account, maintenance is not cheap. Yeah. When you get to my checking account, any. zel transactions that you see are to my. dad for the horse. And it's 7 hours from. you. You're buying a horse for your kid. Yeah. She loves her horse. She named it. She gave it. She gives it everything. I. got her I listen if my if she didn't get. it I would have bought her something. else that would have been probably just. as expensive like yeah sympathy buying.

things cuz you won't let her go outside. Monday through Friday she go they go. outside they ride theiring bikes all day. they do school from like 9:00 to noon. and then they ride their bikes and do. what they want 9 to noon quality. education ladies and gentlemen it's set. up when you go to regular school you're. in however many other bullit classes. how's what how old's the horse uh like. five. They live to like 30, right? Yeah, they live until they're like 26. Great. What a commitment you've made. This. wasn't a one-off spoil. You're committed.

to this for a very long time. Yeah, I. am. But if I Yeah, listen. I have to. keep things even across the board. because like so if I buy my son. something like for sake you, what are. you doing? I bought him a PC for his. birthday. I had to buy my daughter a. horse. and Morgan volunteers. When was the last. time your son has seen the sun? He sees. it every day. They ride their bikes all. the time. They do. We live in like at. the end of a culdeac. I'm just a little. concerned that he's homeschooled and.

just plays Minecraft all day with He. doesn't play Minecraft. He plays like. Rainbow 6 and like Apex and like that. and he wants the new GTA, which I'm not. buying for him, but he wants it. I'll earn it in the budget for him. No, he earns his own money because they have. green light accounts. I'll fit it in the. budget for They do chores. It's already. Well, it's not in the budget cuz I don't. have a budget. I'll do a GTA budget. No, GTA budget. He does chores. No, he he. has shoes. Listen to me. He does chores to earn his.

own money so that he can buy he wants. like his bull skins or his games or. whatever he wants. Well, he's going to. be looking at all the skin in GTA, let. me tell you. I'm sure he already does. He has a cell phone and he's 13. I'm not. an idiot. I don't know why you had to make it. gross. What? You just wiped your nast. coffee spit all over the paper and. you're calling me gross, lady. Whatever. the hell it was, it was disgusting. Oh,

you want some? No. Want some coffee. film? No. Calm down. I'm going to go. downstairs and get coffee when we're. done. Don't worry, boyfriend will pay. for it. He better. with his disability. $234. in interest charged this year so far. Get it together. I mean, allowance can. be good. I like that. I'm vibing. They're working with it, but how much. are they being paid? They get 10 bucks a. week. They have to complete their chores. and mark it off. They get 10 bucks a. week. I vibe with it. How much was this. computer you bought for him? 650. Okay.

So, it sounds like you did not actually. balance it out. He gets other Does he. get upgrades for the next 25 years while. you pay for the house? Well, he got he. got DLC for Elden Ring the last year. You're paying for the horse for 25. years. You're buying all his upgraded. components for the next 25 years. He. gets other for the next 25 years. No, when she turns 18, that horse is her. problem. That's not my problem anymore. Oh, what a gift. Here, here's an. expensive thing that you have to deal. with for the She's 11. Yeah, that's. going to be She doesn't know what she. wants at 18 from 18 to 35 when she has.

to pay thousands a year. Want to deal. with it after that? Then then we take. out a gun, make the she can sell it. People will still buy older horses. She's not going to be like anxious. So, you're going to make her have to sell a. horse cuz that's sad. That's her own dis. that you are making her choose at 11. No, at 18 when she's an adult. No, 11. You are being like here here's the thing. that you either have to sell something. you love or spend thousands of dollars a. year for the next 15 years of your life. starting at 18. That is what you've. given her. Well, if I fix my giving her.

$5 to Best Buy, you know, you're just. going in there and making them spend. another $80 at minimum. But if I get all. of this taken care of, then I can still. help her pay for the horse. Yeah. So. there you go. So now you're paying for. it for the next 25 years. Well, then. I'll pay for it for the next 25 years. And you're okay with that? If I have to, then you What a joke. You do what you. have to do if you But you didn't have to. do this, lady. Yeah, I did. Okay. But I. made the choice. The choice was made. But the fact that you are just fully. okay with it suggests to me that we will.

make as equally as a absolutely. incredibly dumb decision later this. year. Probably not. That's why we talk. about what's happened recently because. judging based off of your responses, how. you defend it, how you feel about it, that just shows what's actually going to. happen. Okay. Going forward still, we. have an Apple card. What's going on with. this? That one's the easiest one to use. So, it gets used all the time. That's. Are youing stupid? You literally said. that for the first time. I know. I said. that that one was the easiest one to pay. off the Bank of America. Classic.

Tennessee accent off. We'll pay off from. the paid off. I paid off my credit card. I didn't say I grew up in Tennessee. Okay. My. power horse. my Apple card. Are you done? Yeah. Anyway, I didn't say that that one was the. easiest one to use. I said it was the. easiest to pay off. This one is the. easiest to use. $2,221.88. God damn. Minimum monthly payment $71.

Well, maybe if you speak like a proper. American, we can talk. Okay. Well, I. can't help where I was born. So, this. one's the easiest, so you must be. spending like crazy. Oh, we do. Just. like [ __ ] on the last two cards. This is the third card, which is also. continuous [ __ ] Apple scooters. Apple. Apple. Dutch Bros. Apple. Starbucks. Nothing but cake. That was. for my son's birthday. I don't give a. birthday. You're 13. He needs birthday. cake. Go out and mow the lawn, you. little apple. Apple Apple Mythical.

Society. Guarantee you it's not as good. as our YouTube membership. It might not. be. It's not. I love Ret and Link. I do. too, but And my kids watch them, too. Well, yeah, they shouldn't watch me. Yeah, exactly. They do though. You bleep it out, so it's fine. It's. true. But I'll leave this one in. specifically for them. [ __ ]. Don't bleep it. You might get. demonetized. No, not this far in. Pull. out your phone. What do you want? I want.

you to open your phone. Okay. To what? Uh for me to snoop around. 26.24%. interest rate with $190 of interest this. year so far. I'm not looking at naughty. things. You'll be fine. Well, we have. lots of little Apple purchases in there. So, I got to see what we got. We have. Every Dollar Plus. That's fine. As long. as you're using a budgeting app. I of. course prefer Dollar Wise, the one we. made, but H I don't like that app. When. was the last time you used it? I use it. well uh at the end of the month when I. like did all my budgeting from Well, not.

ours. Which app don't you like? Every. dollar. Yeah. It doesn't connect to all. accounts. Number one, ours does now. Number two, it's very convoluted. Ours. isn't with like it will sometimes think. that things are expenses that aren't. like if you make a payment on a credit. card, it counts it as like the dollar. We've implemented uh expenditure rules. where you can go in there and say this. is not actually spending. This is. putting money into a credit card. We fix. that. We actually do that. Yeah. So, I. have to like change it. If it's a credit. card payment, I have to change it from.

thinking it's like income. So, we have. every dollar plus. Yeah. Get the you you. get arts for free forever now. Uh so, you can just cancel that. And you Google. photos. Happy scale. Yeah. That's to. monitor my weight. You need to spend. money on that. Well, is that I pay the. premium so that I can keep uh keep track. of like your fitness pal is free. But. that keeps I don't know if My Fitness. Pal does the same thing. That keeps. track of like overtime. Um like. whatever. Well, that's why I pay for it.

But you don't have to pay for my fitness. pal. Okay. Well, then not a sponsor. Then I'll do that. Uh okay. And then. iCloud Plus. And we had What colors. premium? I am daily affirmations. All. right. Calm down. That's for my kids. That's my daughter's phone. Huh? That my. kids have subscription. The what? The. fancy. Your son's applying to LinkedIn. Oh, no. The LinkedIn was mine, obviously. EMT subscription, My Fitness. Pal. There it is. Hm. That was from a. long time ago, though. Snapchat. You had. Snapchat Plus. I'm glad you canceled. that. Uh, Lose It Premium. Really trying.

every app we can get, huh? How old is. that, though? Yeah, at the end of at the. end of last year. And then Trap Call. reveal no color ID. Yes, because. somebody was calling me and telling me. saying disgusting things to me. So, I. they were calling me on a no caller ID. So, I downloaded that so that it would. show me the phone number that they were. calling me. What were they saying? Uh, gross. What kind? This a a male person, a man. was calling me and saying like, "We use. all the time and" and I was like, "Who.

the is this? I don't even know who you. are." And he was like, "Enjoy the. herpes." And hung up the phone. That's. weird. So, I wanted to Did you get a. test? What? Oh, I get tested every every. year. Why? You have one guy. What do you. mean? Well, yeah. What if he does. something? You guys open? Plus, we have. only been together for less than a year. You don't trust. something? Listen. Do you not trust? He. wouldn't do anything. He wouldn't do. anything. We have also not been together. for We've only been together for a. little bit under a year. My last partner. was All right. She doesn't have herpes. I'm announcing it here. My goodness.

Okay. You're being sick. You're. dramatic. I'm just trying to move. You. asked the question, Caleb. I'll answer. I know. And then you rambled. Well, you. bought a dad mug and a baseball. Not. much on Amazon. Okay. But we do have. three things in the cart. What do we. have? Ben's original ready rice jasmine. flavored edition. Three of them. Yeah, I. buy that for my for work for my lunches. I wasn't calm down. I wasn't freaking. out about it. See? Huh? I do the right. thing sometimes. It's within the.

collection of everything else. Who. knows? Who knows? Who absolutely knows? Okay. Oh my. You have a credit one card. I don't use that. That is the dog of. cards. I know. And I got that when my. credit was like a 510. That was the only. place that would approve me. I got. approved through them. And then the. Capital One. What? You have a late fee. No, hang on. Hang on. Hang on. Yes, you. do. Calm down. Okay, calm. But you do. I. do. You're right. I didn't say that. I. didn't.

calm down. It's because when I Okay, so. I called them to cancel to close that. card, right? And they were like, "We'll. wave the fee for six months." So, they. waved the the monthly fee for the 6. months and then when it started back up, it was on autopay and then it wasn't on. autopay anymore. What? That doesn't make. sense. How can you be on and off. autopay? No, I think because I stopped. the autopay. Why'd you stop the auto. pay? I don't know. Cuz I It was a I. don't know. Because they said they. deserve this fee. Yeah, I do. Because I. didn't make the payment. I [ __ ] it up.

because I was on autopay and then it. wasn't. Why didn't you close the. account? I tried to. Every time I try to. call the Okay, these people are like. terrible. Yeah, I know you hate them, but they are awful because I've tried to. call I've called them like three times. to try to close that card and they every. time are like, "We'll wave the fee for 6. months." And then I tell them, "No, I. still want to close the account." And. they go, "Okay, we'll just up your. limit." So now my limit's at like $700. instead of But I don't I don't even have. that card. Like that card has got cut up. like 6 years ago. I haven't seen that. card in forever. I don't know where what.

it is. But yeah, I've tried to close. that account several times and they just. bully you into like not closing. Don't. let them bully you. I try. Stand up. I. suck. Well, have the boyfriend hop on. the mic. Listen, you're not a credit. card person. You can't use credit cards. For you, I'd use the Fizz card. It's a. debit card that builds credit. It's. pretty simple. I'll also get you. connected if you ever want to get, you. know, resume beefing up with like a. course career certification and also. because you're a guest on the show, we'll get you uh into therapy with.

Sandremine uh which I use and I. recommend for the audience as well. So, lots of things we can connect you with. Okay. Okay. Uh, Amazon Chase card. Well, we just looked at the Amazon. Wasn't too much on there, but the yet. the balance is horrendous. Little bits. of purchases. You paid a little more. than your minimum payment. Minimum. payment is 60 bucks. Takes 8 years to. pay off if you don't purchase, but you. did. And then $4349. of interest acred. That's not a. purchase. I mean, it technically is, but. that's crime thing. And the balance is.

$1,74349. which is borderline. again close to the max just like all the. other ones except for the credit one. No. surprise. So what's happened? What's up. with this card? Why is it still so high? $180 of interest acrewed this year so. far. We're at at least the $2,000 of. interest this year. Oh yeah, easily. You. ever have a brilliant idea for a video. and then immediately you realize you. have no idea how to actually make the. video? Yeah. Welcome to being a normal. human being. And that is where Invido AI. comes in. Literally all you need to do.

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They're the intern that actually knows. what they're doing. And yeah, it can. even clone your voice. So, if you want. all your videos narrated by you without. recording 50 takes, it's easy. And you. can try Invido AI for free right now. Honestly, it's going to save you. hundreds of dollars on editing, animating, production, the whole. nightmare. Let's get back to today's. episode. But I'm What? You're going to. kill me. What I want to do, you say that. a lot. I do. Yeah. Because I I have. problems. Um, what I want to do is get a. do a balance transfer.

Don't yell at me. I'm going to yell at. you. Because it's 0%. Yeah. But why would I say don't do it? Because I'm not a credit card person. No. Why would I say don't do it? Try it. again. Oh, because you're not clearing. out the debt. You get a false sense of. like That's what David Ramsey would say. And he is true on that. But, uh, why. would I not say? Come on, you watch the. show. I don't know why you would. Why? Really? Yeah. Because you're just going. to get you're just going to rack this. back up all the way again because you. haven't changed your behavior. I'm okay. with you taking tools like debt.

consolidation. Uh I mean, we have that. One of our partners is that for student. loans, and I'm okay with that. And. again, I'm okay with bankruptcy. I am. okay with credit card balance transfers. But not until you change your behavior. or else you will just ramp up the debt. again. And then you'll be in a worse. position because then you have double. the debt to pay off. And we've seen it. happen with guests on this show. So you. can do those but not until you change. your behavior and still last month even. though you brought in more money because. you pulled out of your retirement, you. still spent over $1,000 more than came.

in. So you you are not credit card. transferring, consolidating, bankruptcy. No. And they're telling me you think. this is the magic bolt to get things. back on track. [ __ ] you. Not until you. prove you've changed your behavior. through budgeting for at least 3 to 6. months. Maybe I should take the. budgeting class this time. So then, so. that I will. So then at the three. months, then I'll open up the If you. prove it perfectly. Yeah. He has to. actually make progress on proving that. you're paying off debt and you're not. spending money on bull in your budget.

Okay. So then in So if you come back on. the followup channel in 3 months and you. prove that, I will give you the green. light. But if you come back on and I see. you've been around, you absolutely not. cuz you'll just do yourself damage. Well, well, what? I'm probably going to. do it anyway. Yeah, if the behavior works. Yeah, great. Why not be like the median guest. on the show that's paid off 10,000 in 10. months? Why not be like a better person? Why not improve your life for the sake. of your kids and future husband? Why not.

prioritize just your fun self over. actually improving your life? Why. though? Prioritizing not paying interest. up 28.24%. I'd rather not pay cuz then. you will just build up the debt again. And I've seen it time and time again. You are not going to be a unique. subject. You got to follow the system. Best egg. What's best egg? A personal. loan foring what? From when I moved to. Tennessee. because And you're really see this. This.

is why I say it all the time. I had a. lot of money saved up, which was I know, okay, a lot is not a lot, but I had like. 15 grand saved up. Yeah, that's a lot. And I didn't want to, which was dumb, but I didn't want to pull from my. savings because I was afraid I wasn't. going to put it back into the savings. So, I took out a loan. to get the U-Haul and move everything. What? No. Keep going. What the Why was. that a question? Keep going. That That's. the end of the sentence. It's at a 17%.

interest rate. I know. That's insane to. take out instead of keeping money in. your savings. Cuz even at the best. savings, you're getting like 5%. I know. at the Yeah, that's what my my high. yield at the time was at like 48 cuz. that was when the rates were really. high. But the Yeah, that's why I did it. cuz I was afraid I wasn't going to put. the money back into my savings account. if I didn't if I took it out of my. savings. I had myself. So instead, years. later, we pay a 17% loan. Great. Yeah, that's what And this was the move. Yeah.

17% interest. Minimum payment $19041. Current balance $3,37141. When did you take this out? When was it? 2022. Oh my god. 3 years ago. Yeah. And we're. still paying it. It's not going to be. paid off for years to come. Probably. What a joke. It's probably like three. more years. Stupid. Now you don't have. anything in savings, do you? No, I have. like a grand. So it didn't even work in the end. regardless. No, cuz I used I used the.

money in my savings to for my down. payment on my car. Yep. So, there's a car loan in here. Oh, yeah. But I love my car and I will never sell. my car. So, don't even suggest a piece. of metal with wheels. That's what we are. damaging our entire life for. Dead. I. don't care. It's a Toyota. It'll go. forever. Hope for I don't know. We'll. see. We'll see. We'll see.

Is that what one main financial is? Nope. What the possibly is this? Cuz. this balance is insane. Yeah, that's a. pre that's precomputed, by the way. That's why the balance is so high cuz. it's premputed. That was a debt. consolidation loan that I did not change. my behavior for that I'm paying. So, you're willing to do it again? Are. youing kidding me? No, I'm not willing. to do it again. I What do you think. balance transfer is? But I see how much. this sucks. You just said you're going. to do a balance transfer again. regardless. Yeah, but I see how much. this sucks. You're not listening to me. What the are.

you talking about? You're not listening. to me. This sucks. to have toing pay this off and then. still pay off all these credit cards. So, I don't want to do that again. Okay. Yeah. You're going to do a balance. transfer regardless because I don't want. to do that again. That's what I'm. telling you. But then, but then but but. then your balance on that credit card is. going to go to zero and you're going to. build it all the way back up again. It's. going to be the same thing. Why would I. do it again when I see how much this. sucks? absolute because before and just. like everyone else that does this, you. will do it again because that is your.

behavior and you do not change your. behavior. If you don't change your. behavior that got you there, you're. going to get there. Like I said, if I. change the behavior, but you just worse than my kids, dude. God, you like throw tantrums. Do you. know that? But at least I'm trying to. achieve something positive where your. kid just wants to go to great lodge or. something. We don't we've never been. there. That I'm telling you sucks. And I. don't want to do this again. And I don't. want to have to. Yet you will because. that's what everyone does. Almost 600. You think you are a unique individual.

You are not. You're just like any. othering human that exists on this. planet. I'm not saying I'm special. Trust me, you're like every veteran that. exists in the United States. So this is. is mying point. If you take it down 17. notches, this is my point. This is my. point. I It sucks to have to pay a $600. a month payment on this loan and still. pay off all these credit cards. That. means nothing. That means nothing. That's what my point is. That means. nothing. Well, then it means nothing. No, it literally doesn't. Cuz I've seen. other people do this. You're going to be.

just like them. If you think you're not. unique. And like I just said, if you if. in 3 months it's different, then you. can't talk and you can't yell at me for. opening up a I agree. I would love to. have a positive follow-up with you. All. right. Nothing indicates we'll have that. so far. But people have proven me wrong. before. We'll see if you do. But people. have also given me positive hope and. then they've come on and they've gotten. worse. So there's multiple things. So. balance to $29,92. Minimum monthly. payment is that the minimum monthly. payment is like 600 bucks. Oh, it is.

that 290 * 2. Yeah, cuz you pay it twice. a month. It's $58184. a month. That's insane. Yeah, it's more. than my car payment. What's the interest. rate on this guy? Likeing 20 something%. 24%. Yeah, it's terrible. What are we. doing? And yet you blow all your money. going out to you and having fun instead. of actually taking care of this. Cuz you. talk about how bad this is and how much. you regret this and how much you want. this gone. Yeah. You don't put anything. extra to it. All you do is spend $3,000.

a month on bull. What I've been putting extra to is my. balance because snowball is the method. that I think will work. You spend three. when we talk about snowball method. If. we're talking about David and if we're. talking about me, no one says go blow. $3,000 a month on bull and then spend. money on your credit cards as well. Okay, but I'm telling you what my extra. goes to cuz that's why I'm not paying. extra towards this extra. You spend more. money than you make. What are you. talking about? You don't have extra. You. just move things around and you pretend.

like you do. No, you don't. Shut up. You're right. That is not true. Okay. What the is that? Student loans. Yes. Isn't that one of the benefits that you. get? Yeah, they the government paid for. like four like three degrees for me. Oh, for sake. You're getting this many. degrees and you're only making I hang on. a minute. I started with This is a waste. of time. It's opportunity cost for you. It wasn't This is a very very long story. that is super but it's short. Yes. When.

I started going for my associates. degree, they I told them I wanted to do. something medical. They said we have RN. or OTAA and I chose to do RN. So if you. do all the prerexs for RN, you get you. end up with a general studies health. science degree at the end. So during. that time, I did a phabbotomy course so. that I could get my foot in the door at. a hospital. I need a labbotomy after. this one. They don't do those anymore. Um I know. people. When I became a phabotamist, I. realized I could not be a nurse because. I can't deal with people for 12 hours a. day. Um yeah, I'm starting to learn.

that. I don't like people. So I realized. I couldn't do that. And the phabbotomy. glad you homeschool your kids. the. phabbotomy professor was my kids are. very peoplely. Anyway, the phabbotomy. professor taught the the lab science. program and she was like, "Hey, apply. for the lab science program." So, that's. what I did. And I got the two-year. degree, which is an MLT, and then I went. back for my four-year degree, which is. the MLS. That's how I wound up being an MLS. But. they paid for both of the associates. degrees. Are you paying on these? Yeah. Some of them are at 8%. Only one of. them. One of them is at the second.

largest. Yeah, one of them. One of them. is at 8%. That's pretty chunky. That is. what I had the remainder of what the. government wouldn't pay for for my. degree. $21,5363. What's your minimum monthly? 250. Yeah. Okay. So, it sounds like you're on. a traditional payment plan. Yeah. Good. I prefer that. Gets rid of them in just. 10 years. Yeah. But that 8% one, I would. try to attack that Toyota. Okay. So, here's a special little car that you. going over and I'm at 49, so that's a.

better interest rate. Okay. Yeah. It's. better than what? Well, I'm saying it's. good. It's better than what I've had. It's fine. Yeah. My first car was like. 26%. Well, that's you being a [ __ ] Yeah, cuz I didn't have credit. I had credit. That's what I You still signed up for. it? Yeah, I did. Okay. So, our balance. is $20,210.31. The minimum monthly payment of 50879. Yep. That's chunky. Mhm. Did you really. need this much car though?

How much is it worth? Uh, like 26, 27, 28. Yeah, Toyota holds their value. You. know what's good? Don't tell me to sell. it. Sell it. No, sell it. No, sell it. I. have it almost half I have it over. halfway paid off. It doesn't matter. Listen, the fact that we can wipe off. $20,000 of debt and you can get. basically a paid for car. You can get a. paid for car with the equity position. you have basically the extra $1,000. saved up and it will be a good car. It'll be a fine car that is comfortable,

safe, reliable that you get signed off. by multiple mechanics. You're not. willing to sacrifice anything. Come on. This is like the literal easiest. sacrifice you can do and you're not. willing to do it. It's a car. Who gives. a It's a car. This car is also safe and. reliable. The car I have and we will get. you a safe and reliable car. Cars. weren't magically dangerous 5 years ago. We will get you a safe and reliable car. I don't want to sell my car. I You don't. want to? I don't want to do a lot of. things that I need to do. I don't want. to have this conversation actually, but it's my job. So, I'm here. Well, I'm. not going to sell my car. You're not.

willing to do anything? Then why the am. I talking to you? I'm willing to basic. sell my car. This gets rid of this gets. rid of borderline 30% of your debt. It. gets rid of a minimum monthly payment. This is $58 on a monthly basis that can. go towards paying off other debt. quicker. This accelerates your process. so much quick. What the are you talking. about? Why the am I entertaining my time. with you instead of someone who's. actually willing to do something? What a. joke. That is going to piss me off like. actually because that is that car is. going to hold its value. It that doesn't.

matter. This is talking about paying off. your debt. You can have a $10,000 paid. for car that we get approved by two. mechanics that will last you years. reliable and save for you and your. family that you will be able to take. them around and that you are able to. then translate that's going to be a paid. off paid for car. You're going to. translate this $58.79. You're going to have lower car insurance. because it's not on a leveraged car. So. that also helps. My car insurance is. cheap. It's going to probably be even. cheaper. And then you're going to roll. these minimumly payments over into your. credit cards that you'll pay off.

quicker. This minimum monthly payment. pays off your Amazon card in 3 months. alone. Alone. Just this minimum monthly. payment. This accelerates the process. immensely. Come on. You have to be. willing to sacrifice. Come on. I'm. willing to sacrifice. No, no, no. I'm. being so serious right now. I am being. so serious. You know, I know we're we're. with each other a little bit and it's. fun. We're having a good time. Okay, good. Listen, this seriously, you can. get this car, you can get a nicer car in. a couple years. Again, this accelerates.

your process so dramatically and it is. so worth it. It is so worth it. It is a. temporary sacrifice. You have to do. this. Please, please, please for you. I. know. Come on. I've been through the. process. I've paid off debt. I've helped. other people pay off the debt. We've. done three years. We teach classes on. this, okay? We've built programs. I've. talked to experts. We've worked with. experts. This is the clear path there. The alternative. No one would suggest. the alternative. Come on. I will take a. harder path to not get rid of my car. I'm not.

What a point. That's so pointless. That's so pointless. No, I'm not. I have. been paying on this car for 2 and 1/2. years. Doesn't matter. Don't sell cost. it. Don't cost it. It's not a sunk cost. I only owed 19 something and it's worth. it for a few years. Why make that excuse. if it's not a sunk cost? It's going to. hold. Clearly, it's going to hold its. value. I owe less than it will. But. that's not what matters here. What. matters here is paying off your debt. Cuz your debt situation is scary and it. puts your family in a risky position.

And this is about your family, not you. enjoying the seat that you're sitting on. while you're driving somewhere. That car. is safe for my kids. We're not going to. get a dangerous car. I'm not putting you. in a 1950. You're not saying you're. going to put me in a in a Then why bring. up that argument? just argument. I had a. good car before this that broke down on. me like with my kids. We're going to get. you in a car that is not signed off by. multiple mechanics. Multiple mechanics. sign that one off too. Exactly. Well, then what? My brother and my dad are. both mechanics. They both There you go. No, we don't use family. We don't use.

family. You are using impartial sources. Okay, you're right. That's that is. correct. However, there's always every. argument you make, there's a hole in. though. That car was still signed off by. multiple people that were your family or. family friends. Yes. Also still. shouldn't be doing that. There's a law. Look it up. There's a lawsuit against. Kia. There was a lawsuit against Kia. It. might have been settled by this point, but there was a lawsuit against Kia for. their motor. No, they Well, they gave me a new motor, but I was not willing to I wasn't going.

to keep the car that just broke down. with my kids in it when 2 and 1/2 hours. from home. Off. It's not about that. That doesn't mean you can't get another. car again for the rest of your life. That isn't toying Yoda. That's why I got. this car. I just said it wasn't toy. Yoda. What do you mean? That was a Kia. I like this car. I'm not going to get. rid of it. You're a joke. That prioritizing what you like. is bad. finances. That is bad. That's not just.

about likes. That car is safe. It's. reliable. I'm not getting you a non-safe. reliable car. You can't bring up that. argument. We're not getting you a bad. car. That is a false argument. That is a cope. so that you can keep this car. You are lying to yourself and you are. putting this over the future of your. family. That's disgusting. Maybe we can revisit. it, but at the moment, no, I'm not. No, you're saying that to move on. [ __ ] [ __ ] I'm not going to get.

you. What a joke. Good job, mother of. kids who you can make their lives better. if you were actually willing to. sacrifice for a little bit. Come on. What a joke. You disgust me. right now. Okay, that pisses me off. That pisses me off. You have the easiest. path to get towards this and you can. take it and accelerate $500 a month, a. little more, maybe an extra 50 a month. car insurance towards your dad. Pay off. your debt. It'll be quicker. [ __ ] off.

This is a fun one. I get to get you free. money and then I get to get myself free. money. It's a pure win-win for both of. us. What do you have to do? Sign up for. a SoFi high yield savings account and. get a welcome bonus of $300. Sign up for. Acorns using my link and get $20 instead. of the usual $5. Finally, sign up for. Silo and earn up to $5,000 in cash back. on your own stocks. These offers have. been negotiated to give us both more. money than using traditional signup.

methods. So, use the links in the. resources section of the description. below and get yourself $5,320. right now. $50 in your checking account. Yeah, let's keep a $500 minimum payment. around that we can't afford when we have. $50 in our checking account. That's. smart. Good thing we don't have a. family. Oh, wait. Spotify $20. Did they raise prices or. you got multiple people on there? I have. the family plan. timeforlearning.com. Ken stopping in getting some BS. You.

know what school is free? Public school. Clara, we're claring things. Great. Welcome to the future, ladies and. gentlemen. Zelling out to dad.$167. $76. Coffee. Lollipop drink. Great. coffee. My gosh. Lasers coffee. Academy. Sports. So, not only do we have minimum. payments that we can afford, we also put. in here. Academy Sports. Cookout. Guild. vault games. Dutch Bros. Arby's. McDonald's. Sushi. Bahama Bucks fitness. stuff. Baskin probably Baskin Robins,

I'm assuming. More Clara. Great, great, great, great, great. Pull your CLA for. me if you could. Zach Bees. More Clara. Good. You deleted it. Yeah, that was. This is insane. Waterburgers. Zachbies. What a joke. What a joke. What a joke. There's your savings. $1,000. 401k. Yeah. Sound of $579. What? What a.

me up. What are we doing? 7,200 comes in. Your rent is 2,000, you. said? Yeah. What's your rent going to be. when you move with him? Um, like a. grandish. Okay. What's your utilities. right now? 350 total. Minimum monthly. payments is as much as your rent, $1,884. food. You only have them every other. week. I think we could do groceries at. about 650 bucks a month. Meal prep. I.

don't care if they like it. Doesn't. matter. You're sacrificing phone bill. 200. Do you not own your phone right. out? Mm-m. When you do, switch to Helium. if T-Mobile's good in your area. Yeah, that's who I have. Then switch to Helium. immediately cuz it's the same service. Gas room vroom vroom vroom vroom vroom. vroom vroom vroom vroom vroom drive like. 300 a month. Car insurance 100. Okay. TP. fund for you and the kids. Anything else. you need to survive? They're not with. you always, so it doesn't need to be. crazy, but $125. Uh, actually, no. Let's.

do $200. Sorry. Medical, healthcare, insurance, co-pays for kids, prescriptions, anything? Gym? So, you go. to the gym? How much? No, I don't pay. for it. So, subscriptions? No, I I'll. give you uh [ __ ] $30 of subscriptions. Do you have any pets? How much for the. horse a month? Uh, [Applause]. How much for the horse? I really don't. know. I don't know. Think let's budget. something for the horse. Like we'll say.

75. Any other pets? No. Good. Anything else that needs to be in your. budget? Speak now or. it doesn't exist. Anything? No. In. September, you move in or August. August. Yeah. So that's coming up soon. Yes. You need $5,7894. to survive on a monthly basis, which. gives you right now an extra $1,410.96.

Make it debtree so that we can live a. less risky life with kids and we can set. them up for success. [Applause]. So, you've completely drained your uh. college benefits, meaning that your kids. are not going to get anything. Correct? Kids don't get anything anyway unless. you're rated 100%. for college. Yeah. Okay. $85,23. $85,23.94. of debt. $1,410 going smallest to.

largest. I do agree with that. But you. can't purchase on any of them. That. still takes 60 months now. That takes uh. 5 years. 5 years is unacceptable. Five. years, you're 40 basically. But 85,230.94. divided by $2410.96. is what you'll have left over after you. move in with him. That takes 35 months. That is substantially better. That is 3. years. Not great, but better and.

acceptable. $85,23.94. divided by. a total of 3,000 which is what you would. have once you move in with him and. didn't have a car payment. That is 28 months. That takes 2 years. and one quarter. That sounds better for. the sake of our children, for the sake. of our family, for the sake of our. potential marriage. That is what I would. choose to do. And then you get your. fully funded emergency fund. Then you.

start maxing out retirement because oh. boy, you got to catch up. You probably. got to do about 30% to retirement, 20%. to fund, 50% on needs. But that's what I. would do. I would take all the money I. save on rent, throw it towards debt. I. would budget strictly. I would pay off. my car and throw the monthly payment. towards debt. Let's see if you actually. do any of that on the follow-up channel. Okay, guys. Join us for the post show. Join Hammerly. It's the second largest. membership on this whole platform for a. reason because it is the best on the.

platform. YouTube has told us that. themselves. Um, you can join us in the. post show here in a little bit. We're. going to bring in the boyfriend and. we're going to digest everything that's. happened here. Okay. We'll bring in my. producers too cuz they have more. information about them. Spending in a budget. Let's get your. hammer financial score. Spend in your. budget. You overspend. So, 0 out of 10. Your debt. Some of those loans are just. horrific. I'll give you a two out of 10. just because at least you have a strong. income and you have that thing coming. So, it's like debt to your income. situation. Uh, emergency fund, there's. a,000. So, 1 out of 10. Retirement just.

started 1 out of 10. Real estate 0 out. of 10. It's going to be a hammer. financial score rounded up 1 out of 10. Guys, make sure to join join Dollarize. Central. It is just a much lower cost, easier to access where you get access to. the premium version of our budgeting app. and you get access to all of our. educational programs plus all future. ones that we make. So, join that. Go to. dollar.com. Now go join us for the post. show for an extra 20 minutes of this. episode. Caleb says on the show all the. time, "Why are you getting married. before you get your finances fixed?".

Yeah, I love my car. Okay, but if I say. I'm not going to marry you until you're. out of debt, so you're going to put that. car over marriage. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.