Financial Audit’s Most Toxic Guest
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I had no idea how bad this was.

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 Jessica. I'm 25. Hi, I'm Brandon and I'm 26 years old and we live in Quinlan, Texas. And this is Financial Audit.

I think he's autistic. He didn't look at the camera while introducing himself. Thanks for coming in, guys. Okay. Well, everyone is these days. Let's start with you. You're in front of me. What do you do for a living in Quinlan? I don't think I've heard of Quinlan personally. I work from home.

What's your job? Is that your job, working from home? Yes. No, I do accounting for our credit card department. Gotcha. Okay, credit card department at essentially an anonymous company. That works for me. Okay, what are you making? I make $24.50 an hour, and then we get a yearly bonus. What's the yearly bonus? 5%. How many hours a week are you working typically? 40 to 45 hours.

Okay. Okay. So what hits your account on a weekly basis from your paycheck? We're married? Yes. Okay. What hits your account? Bi-weekly we get paid and I get about $1,600 every two weeks.

Okay. What about you, my man? What do you do? Essentially the same thing, same company. Same jobs and company? Yeah. Working remote? Yes. We do have to – it's mostly remote. We do drive to the office. I go in on Fridays. She goes in twice a week, Wednesdays and Fridays. But as of right now, she's pregnant. Do you guys –

Oh. Yeah. So she's pregnant right now. So she's working from home. Okay. Yeah, that makes sense. Okay. When's the baby? July. 15th. I will see. So... Okay. Good job. First one? Yes. How long have we been married? A year and a month. Okay. What's your pay? I'm sorry. Oh, $23.50. Why are you paid less? Well, honestly, she's been there longer. That's why. That's the only reason, really. Fair enough. So what has...

The account from your pack? About $15,000. Yeah, so you said you were $16,000, right? Yes. Okay, so you're about $1,500. So with that $3,000... So we're talking like $6,200 on a monthly basis. This is a small town, right? Because I don't think I've heard of it. Yeah, it's a pretty small town. Nobody knows what it is. Okay, so there should be no issue yet. I mean, obviously, lots of substantial issue. What's going on, guys? What the f*** is happening? Well, the baby, I mean...

If you guys are living whatever kind of life to get in this kind of debt, are you even close to prepared to take care of the cost of a kid? It's not a cheap situation. Yeah, that's the main reason why we're here. We really want to get the help to be able to. So what have we done? What's the problem? This is pre-baby. This is. Everything's pre-baby. It's not here. Yeah, but I'm saying. Your existence right now is pre-baby. I just made.

I just made a lot of, like, bad decisions. Financially. She wears the pants. She takes care of all the finances. So I just kind of go to work. Why aren't you participating? Or why don't you let him participate? What's the work? I do let him participate. Right. Then why aren't you participating? Well, he just gives in to me. You're about to be a dad. Yeah. Well.

Okay, so if it's a he just gives him to me, does that mean she's the f*** up? She's manipulative. That's great. Um, I will... Okay.

Yeah, I mean, I can manipulate a situation if I need to. I will. Yeah. Okay. We laugh about it and then immediately admit that's true. That's weird. Okay. That's shocking. I didn't expect that. What the fuck are we talking about? Huh? That was shocking. I didn't expect that. Why'd you say that? Because, well, like. You giggled about it. Was that an immediate coke giggle or are you f***ing around? For an instance, just small instance, like it's not anything like crazy, but like the other day, like she really wanted some McDonald's.

And I was like, no, we don't need to go get it or whatever. We don't need it. We've got plenty of food here. We just went grocery shopping earlier in the week. And then she just kept hounding me and hounding me and hounding me. And finally, I gave in and I went and got her some freaking McDonald's. What are we prioritizing right now? I mean, a McDonald's order, right? That's not make or break for our life. And I'm sure you make well above the median income. So obviously, you guys should be doing pretty well. Yes. What's the issue? Well...

One of the things that really made our finances go or get us in such a big hole was the wedding.

That was a year ago. Yeah. No, no way. Listen, I don't know your finances. I'm going blind with the audience, but I see credit one at the top. The credit, a credit one is the worst of the worst of the worst. No way. You're just in just mountains of credit cards because of just the wedding. No, no. It has to be more than that. It's not Christmas. It's not just waiting. I feel.

fucking kid yet? There was at least $11,000 spent on the wedding. Oh, I thought you were going to say on Christmas. No, but I mean, I'm sure there was like at least $3,000 probably spent on Christmas. What is this manipulation that we're talking about? I want to hear more about that because it can't just be on McDonald's. I'm not going to listen to that. That sounds like an immediate deflection. It's just like...

She wants something. She'll want something. And then if I tell her no, we shouldn't be doing that, she'll just keep bringing it up, bringing it up, and just keep hounding me for it. And then eventually I just give in. How often? Okay, you brought up the example of McDonald's, but how often and how substantial? With the Christmas stuff, I didn't want to go all out for Christmas or anything, and I didn't want to spend any money at all, as little as I possibly could. And then she was like, well, we...

Can't feel like, or we can't be pieces of shit, so I'm going to put it all on my credit cards and get everybody gifts. I will say that also, like, since I've gotten pregnant, like, I use that as, like, I do use that as a manipulation, I think. For fully acknowledging this, then why aren't you...

Just stopping. I mean, like, usually if someone's manipulating it, it's one person saying, they're manipulating me, and the other person's saying no, and you're like, no, yeah, I'm manipulating him. So what the fuck are we continuing at? Well, B, we just started having conversations about this. Okay, tell me about your guys' conversations when it comes to finances. What are we doing? So he doesn't do the bills. I do the budget for every single month. Every single time we get paid, he doesn't touch it. But why do you think? He suggested it's because...

You just take control and then do whatever you want. Is that what you suggested? It's kind of what I heard. I can't say 100% like she just does whatever she wants. So then why aren't you participating? Because you're about to have a kid. Are you not going to participate in that? Absolutely. Okay, so why aren't you participating in the households of the finances of the kid that

The house that the kid's going to live in and grow up in. Now five days before coming on. That's what always happens. I don't give a f*** about that. Let's talk in the most recent months, right? Now is nothing. You were coming on the show. You knew you were coming on the show. You went through the onboarding process. This is a multi-week thing. I don't give a f*** about that time. That is nothing. That is nothing. Since we've been together, I've always done the finances. I've always done our budget and I've always... I can't even really say budget because somehow it...

Not somehow. We blow it out of the water every single time. I want to know why. Why just you? I feel like I'm not getting an answer. He doesn't spend money. Like, just point blank period. Like, if we're spending money, it's mostly my idea. The main reason why she takes care of the budget, honestly, is I'm not really that, like...

I guess I'm not, um, what's the freaking word? Savvy? No, it's not savvy. I'm just not patient enough. She's calling you patient enough. I'm not patient enough to do it. She's just better with it, so I let her do it. Okay. Again, let's talk about going into fatherhood. You're not impatient enough to look at numbers? What the f*** are you going to deal with a toddler? I ought to work on that for sure. Yeah. Yeah.

We set goals every single month. We just end up doing what we want. How possibly are we able to use the word we if you're the only one that looks at it? Because I take the goals to him and I say, this is how much money we have. This is how much money that we can spend on this. And then he says, okay, that looks great. I'll pay whatever I pay towards the bills. And then we end up spending more than what I've allotted. And then we f*** ourselves.

Then why don't you step in? I tried to. What do you mean you tried to? Walk me through that. I am trying to get a baseline here. I need to know. I need a little peek inside of what this...

money relationship is like you try to what does i try to well and how does it go so i do try to keep us from spending more money than we need to again just a lot of the time we go anytime we go do something if she just wants to if she wants to do something like if she wants to add something to like the itinerary or whatever then like is is it really just going and doing things that's it that's it it just comes down to that

It's like we're on a trip or something and it's just doing things. What is the itinerary? Like we're going to Target, then all of a sudden McDonald's gets added? Is that what we're talking about? We're talking we're going to Disney and now we're going to add a new park. What is this we're adding to the itinerary? Because that's vague. Well, I mean, being on the same account, it's kind of hard to manage who's spending what. What is adding to the itinerary? Oh, well...

Like if our friends call and they're like, hey, we want to go out to dinner or we want to go see a movie or we want to go bowling. He will be perfectly fine with just like sitting at home and I have FOMO and I don't want to not participate. So we go do it. Is that adding things to the itinerary?

You said when you were out and about. I mean, yeah, that's just like, I guess that's part of it. Yes. But like that, that right there, honestly is, is most of it. I feel like, because I, is that I will almost every weekend. Yeah. We're doing something every weekend. Prepared to have a kid financially. I mean, no way for coming on this show. Please tell me, please tell me some of this is a mortgage. Cause we are six figures in debt. It's all bad debt. Yeah.

Oh my f***! We're about to go through a thousand f***ing documents! Oh for f*** sake, we're gonna be here for an eternity! What is this? 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20! 20 bad debts?! Not a single f***ing mortgage over six figures?! What the f*** are we doing?!

No way what you guys are talking about. No way what you guys are talking about is even close. It's even close to insinuating how bad this actually is. I had no idea how bad this was. With everything you said so far, I was expecting to look at the sheet that gives like a recap of what all your debts are. I was expecting to see $20,000. What the have we done? What in the hell do we do?

We're mid-20s! What have you done? And no! How much was the wedding before you answered? You said like $15,000? $11,000. How are we over six figures? That would be 10% of this! We have a kid coming! We do have a mortgage, though. That's two of those. Two of those loans are for our mortgage. I think one is like...

11,000 and I think the other one... 10% then? And then the other one is like 20? No. So it'd be 20% but it's still 70% of it and it's all f*** you bad dad? Basically, yeah. Oh my...

And both of our cars. Well, that is bad debt. Probably depreciating asset. I don't give a... Listen, you're probably in a situation where you live in a low cost of living area where you make maybe double the median household income and you've gone to this extent? Yes. Why? Just bored working from home all day? Can I have the whiteboard? Can I have the whiteboard?

I want to see you guys do something. You're going to collaborate on this. A kid is coming. I need you to write out each category of what this kid is going to cost. Just what you're going to spend on a monthly basis. Number next to it the category. What you think it's going to cost. And talk. Talk. Don't dominate. Bring them in. Okay. Bring them in. So you got diapers. You got.

I don't know. I mean, plan on breastfeeding so you don't really have to worry about formula. We don't have to worry about formula, but there's like breast bags and like containers and stuff for like the breast milk in the fridge. So, okay. I would say feeding probably like $100 a month. If the breastfeeding works out though. Yeah. Because it doesn't work out and then we have to pay for formula, which that would be a way higher number.

And then like clothing and diapers. Diapers, yeah. Diapers, YPs. Probably like, I would say... I mean, how much is a box of diapers? I don't know. Maybe you should know about to be dad. Yeah, I know. It's like, it depends on the size, but I would say about 50 bucks for a box of diapers. So 50 bucks, I'll say. And then...

This is going to sound bad. I don't think that there's much more than this. You guys are not even close to. No, because you guys are so dumb. We don't pay for any. We're not. We haven't had to pay for anything for him. Who? Who? Him? The kid? Our son. Yeah, but you're about to. You haven't looked things up. No, we joined a parent organization. We have. But what I'm saying is, is like these things are going to are already covered.

Okay. Like, he has, like, six sets of grandparents. So, like, we've literally not purchased barely anything for him on our own. It's... No. I mean, you're talking about all the fresh stuff coming. I'm just talking about a monthly... Yeah, monthly, yeah. Oh, okay. But I...

I mean, honestly, I really don't fully know what else. Clothing, I guess. He's going to grow out of clothes quicker because he's little. Diapers, YPs, formula if necessary. Okay, so we're thinking. Okay, let's start writing it down. Clothing, I would say probably like, I would say like another $50 a month maybe because he's little. So it's not going to be like. They're not super expensive. Yeah. And then feeding, diapers, clothing. That's all I could come up with, babe. Honestly. Okay.

Oh, doctor's visits. Yeah, doctor's visits. That's actually crazy. Yeah, doctor's visits. Wow. Okay. I would say like $100 a month. At the least. Probably way more than that, actually. A freaking doctor. Okay, so. It's expensive. You guys not know what it costs? Well, I know that every time she goes for like her checkups right now, it's like 60 bucks a pop every time she goes. Unfortunately, she has to go like every two weeks or three weeks. So it's like, it's at. Are you guys prepared for the cost of the birth? Yeah.

No, no, no. Well, I don't know for what we're even going to have to pay because I had to have a surgery for this pregnancy. That was pretty expensive. Already? Yes. How much? $4,000. Okay. I mean, it's kind of a walk in the park compared to a lot of medical costs. Yeah. When it comes to this kind of. But I'm saying like, I'm pretty sure I've already met my deductible for the year.

Well, is there a better split after the deductible or are you fully out? There's no out-of-pocket cost after I've met my- Not a single cent for you. Okay. With your insurance. Okay. Yeah. Usually with a C-section after insurance, typically looking at $3,214. Or just OG classic flaps going in the wind. Baby flies out $2,655. Okay.

After insurance. Typically. After insurance. Typically. So what do we got? Is that your total what it costs to raise your kid on a monthly basis? On a monthly basis, yes. How much? What are we talking? What are we talking? It's looking like 300 bucks. $350. By the way, how much are you going to spend on just like, just, you know, around?

Well, on a monthly basis, just random miscellaneous things don't matter. Just full bull BS BS spending. Oh, too, too much. I can tell you that right now. That's not a number. Um, monthly, I would probably say at least a thousand dollars. Probably. Okay. Thousand dollars.

Yeah, and by the way, USDA says $22,535 is the average yearly cost for a newborn kid. That breaks out to $1,877 on a monthly basis, so good luck with that. But also, by the way, spend $1,652 on bulls**t this last month. You're only getting worse in the debt. We know how much comes in. What was your total spending?

What was your total spending? We know how much comes in. $6,200. What was your total spending? Kid on the way preparing, doing better. He's incorporated now into the financial talks, right? What did we spend? My big guy, you're so informed. You're in the conversation style, right? Yeah. Well, if I'm not mistaken, for that month, it was at least, I want to say $1,500.

No, like for the whole month. Oh, like for the whole thing. Oh, okay. DJ Khaled is annoying. He's talking about what the fuck are we doing? For all of our expenses. I think it was close. Including debt. I think it was close to like easily like seven grand. Okay. Probably seven, seven thousand. Yeah, eight thousand. So like six thousand two hundred comes in. We have a baby coming on the way. We don't know if there's any more expenses coming with the hospital. Good luck affording on a monthly basis. Let's spend a thousand. This is eight hundred dollars more than we make.

Sounds like irresponsible food. Yeah, sure parents. Yeah, it does But so what the fuck are we doing guys? You're the one that dominates us. So you should know this you should know the number You're participating the conversation. You should know you should know the number. What are we doing? Obviously not doing good enough. That's for sure. Okay, that's bull. Come on. What are you doing? You're going in there You're not putting in the actions even though you say you guys participate in the financial conversation Where's the participate in the financial conversation? Oh

Okay. What happened? Blows your mind, right? She's shocked. Shocked to tears. What? What's going on? What's going through your head? It was just like a lot more money than I thought. Thought? But you're the one going through it. That's what he said. That's what you said. How could you be so wrong? When I write out our bills every month, like I don't even know how we could even spend that much money if we don't have it. Debt. Debt. Credit cards. Debt.

And how don't you know? Because I participate in this now. I'm in the conversations. That's what I have. So I know that, you know, she has multiple credit cards and those I can't see anything that happens on those. So with that stuff, I don't know what she spends on that. Wait, what the? Wait, how? No, no, no. We're not having a household financial conversation if there's like documents that you can't see.

What? I don't see his credit card statements either. What? So we're not having a household. What are we doing? So we're not having a household financial conversation. We don't know what's actually happening. That is so different. So you only look at the joint account? That means nothing. That tells you a third of the picture. How can we possibly know what's actually happening if we don't know what the fuck is actually happening? This doesn't make any sense. If we can't see two thirds, if we can't see two thirds, how the fuck are we guessing what the full pie is? He doesn't spend on his credit cards, though.

So it's just you. Yeah. Then no wonder we don't know how much is being spent. Right? Yeah, I mean, I don't know. There's a lot of credit cards on there, though, that we don't use. Like, we use them. It doesn't matter as long as you still use some. It's not a game where one credit card not used plus one credit card used equals no credit cards used. Right. That's not how this works. Listen, I...

I don't know how we're going to survive when just the bulls**t spending alone is like what the average cost for raising a kid on a yearly basis for a newborn is. And yet we're still, even with that spending...

$1,800 more than we bring in? How are we ever going to make progress? How are you ever going to be able to retire without putting your kid's life on hold? Are you ever going to be able to pay for their college, trade school, whatever you want to do? Sports activities, good luck. Vacation, take the kids to Disney? Nuh-uh. Not going to happen. Are you going to take them to McDonald's at this rate? Your credit cards will become maxed out, then there's nothing.

You guys aren't close. This kid's coming regardless. Yeah, he's definitely coming. He's coming. He came, then they come. That's how this works. And now there's nothing we can do. And we are beyond ill-prepared. And not only that, but we talk. We talk. He's incorporated into it. And yet we're still in a situation that we don't even know about. And it's only getting worse. Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you, Grandma. Why are you fine, says...

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Well, so what I've done, though, to kind of help and what I'm trying to do now is I've started working. So my dad and my uncle both own their own mechanic shops. And so I go and I do help them to try to make some money. This isn't an income situation. You guys make well more than the area you're in. It's not about that. You could go make $7,000 a month, and yet you still spent $1,000 more than that. This is all spending. This is behavior. Your spending was so stupid. Yeah.

Listen, you guys, before you leave this studio, you are downloading my budgeting app. Download it. Link in the description for everyone. But download it. I'll give you the cookbook so that you guys can cook. Again, the annual people out there get that. So download.

It's like we're giving you all the resources, but you get them for free. You're going to take that. You're going to go through our budgeting course, our investing course, all this stuff. You need the budgeting and debt courses first. You guys go through all those hours and hours of the best content there is. Best education. Take the quizzes. Do everything. Okay.

You have to. You need to be on this. Tens of thousands of people have done that. Tens of thousands of people. A thousand people a day take the app. Okay? A thousand people a day download it. You guys can change your life like they are. You guys have that choice. Right now, you're not. Right now, what you're coming in with is borderline disgusting. Yeah. To be clear. With a kid on the way, disgusting. Join them.

Change your life. But it's only your choice. I can't do anything. I can give you the resources. I can't hold your hand. In fact, studies show that when people pay for it, like when people sign up for the budget and sign up for premium and all that stuff, they're more likely to use it and change their life than people who get it for free because they put the investment into it. So they want to get more out of it. You guys have that choice. All right.

I'm going to go 3, 2, 1, go because I'm going to start getting into these because we're going to be here for a thousand years. On go, so 3, 2, 1, go, you're going to give me your household financial score together where you think you guys are. 0 to 10, 0 being the worst, 10 being the best. Okay? Same time. 3, 2, 1, 1. Okay, so we know we're...

That's good at least we're on the same page as that so guys want your hammer finance score It's free take the assessment see where you stand go to Caleb hammer calm or click the link in the description below It's pretty fun. It's pretty quick and you'll see exactly where you stand in the world of money I don't want to know where you stand in the world of credit or money if you have credit one your That's essentially what that equals. So what's going on with this card?

That's my card. Okay. So it's the card that is probably spending then if it's not yours from what I hear about it so far. It's mine. Why do you spend on a credit card that is basically the worst credit card of all time? I have them all. So he took my credit cards away from me and put them up. Do you not realize just how insane that is that he had to do that?

Do you not realize how insane that is that he had to take your credit cards away and hide them? Right.

But... It's an Easter for credit cards. He, if not, like, we decided that we were going to pay them all off, so we just put every credit card that we had away. So that's why this one's maxed out in your door-dashing taco casa. Yeah. But it didn't last for very long that he had them all. Oh, for f***'s sake, why? Tell me. Oh, no. What possibly? We paid them all down, majority of them. When? Before Christmas. Huh?

And then I got them all back for Christmas. Why would you do that? Why would you allow that? There wasn't really a conversation. You gave a fuck. There wasn't really a conversation about it. I just like slowly. I knew where they were. Why didn't we like chop them up or destroy them? Why did we still keep them? What was the intent of keeping them? They're not collectibles. I couldn't tell you why. Well, try to tell me something. I would like an answer. I should have cut them up, honestly. Why didn't we? Oh, come on. There was a reason we didn't. Deep inside.

I feel like at some point they might be needed again. Why? Because we're not there yet, but we have two other credit cards that are his credit cards that are completely maxed out that are like huge limits. And smaller ones I feel like would be there for an emergency. I just haven't been using them for emergencies. I use them out of convenience. You guys make way too much money for this to be an issue in your area. Right?

For fuck's sake, what are we doing? Okay, so you unlocked it. Christmas unlocks credit cards, so we're getting DoorDash Casa Fudo or whatever? Yes. That's not me. So what the fuck are we doing? This isn't Christmas. No, it's not Christmas, but I was hungry. You're having a daily Christmas on DoorDash? I was hungry. I wasn't home, and that was the first card I pulled out of my fanny pack. Where were you? I was at my friend's house, I believe. Why didn't you get a snack from your friend's fucking pantry?

Because she like eats weird. I don't eat what she wants to eat. What the f*** are you talking about? What does she have? Roaches? Like what are you talking about? No, she's just like... She's like a salmon and like...

You could use some salmon. No, I can't have it, actually, because I'm pregnant and it's got a lot of mercury in it, so I can't have it. Well, don't have salmon, then. Yeah. I think she had more than salmon. Probably. And I probably just really wanted it, and I got it. There it is. There it is. The real answer, by the way. We wanted Casa Fudo. Fudo Casa Mi. Yes. Mi Casa Food. It's very good, and I really love it.

And it's not in my town, so when I go out to that town, I always get taco casa. Make yourself a white girl taco. You'll be fine. It's simple, easy, a little taco seasoning, cheap meal. That's what I had growing up because we didn't have money. White people tacos. It's pleasant. Yeah, I did too. I've had it before. Good. Then do that instead of caso me fudo. Whatever the fuck. What is it? Taco casa. You've never had it? What the fuck is a taco casa?

You need to have white taco casa. That's literally basically, it's just white tacos. That's all it is. So what the f*** are you even getting? I get a chulada. It's the convenience for her. It's the convenience. Convenience of waiting for DoorDash. You know what? You spend f***ing 30 bucks on that and then you have Amazon Music. Yeah, that's because we have an Alexa. It works with all the other streaming services either way. I didn't know that. I thought I had to have Amazon Music for it to work with the Alexa that we had. Because that's what it would play on.

So tell me, we spent it down, right? We paid it down. Right, guys? Yeah. We paid it down. So why the f*** is it all the way up? It wasn't all taco casa? I'm sure a lot of it is taco casa, but I do know that I spent a lot of money on the credit cards because we literally had no money. They said you spent $500 on clothes and also the car break and then also massages. Massages? Yeah. Yeah.

This is just from February? When you were in Colorado, I guess. Oh, yeah, yeah, yeah. Okay, yeah, we took a trip to Colorado. But I affirmed the $500 for clothes. That's not on that credit card. But I did use that credit card while we were on vacation. But that was in 2023, so that was already paid off. We paid that down. And then I built it back up. For what? Because it's at a fucking balance of $1,114 on a...

$35 from being maxed out, by the way. $35 from being maxed out. He shakes his head no. I mean, what? Do you have no say? No, I'm shaking my head out of like... Are you not able to have a conversation with your wife and be like, maybe we can't do this? And if you do, is she the right wife? Well, she better be. There's a kid coming out of the way. So, what are we doing? No, I was just shaking my head because I was just in disgust that it's so high. Yeah.

He does not see my credit card balances. Why? He's not on them. Yeah, but why don't you guys go over statements or, again, have a joint account on the budgeting app? We have a joint banking account and a joint savings account, but we just don't. He has his separate credit cards. I have my separate credit cards. Why don't we come together, though, guys? I'm trying to figure that out on a monthly basis. Why don't we come together and talk about what our accounts are doing? Why don't we see what the house is spending on? Spending. You know where the money's going? Spending.

I just don't... I truly just don't think I have the discipline. Like, I just wasn't doing... What? I would literally sit down and I would be like, we have this much money in credit card debt because we keep spending on credit cards. We? You? Me. And then...

Okay, he's like a willing participant. Can I just say that? Well, then tell me, because I need to know. I'm not like holding him hostage with like a gun to his head. Then tell me how this participant is willing. Because I can... Like, on this card, for example, in July, we went to...

There's like a lake by where we live. And we got... It was like $300 for a three-night stay. Why the f*** can you commute there on a daily basis if it's near where you live? What the f*** are you doing? We ended up getting a cabin there for... Like the whole family was staying out there, so we all stayed out there. He knew that I was spending money on it. So like... It's not like I spend money and hide it and then don't tell him. Like he knows that it happens, so...

And also, like, I'm pretty sure there's another credit one that she has that she didn't send. I'm pretty sure she didn't send it. What? Yeah, there's... I already have a thousand trillion to go through. Yeah, there's two credit one cards. It's another credit f***ing one? Yes. Oh, is it on your phone? Yes. Oh, can I see it? Yes.

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finally take control of your financial future or don't and you can end up right here oh for sake okay 56 dollar minimum monthly payment on this one what are we even doing with an annual fee of 39 that just keeps happening then you're gonna get your monthly fees and bullshit interest accruing yeah 75 this year so far uh basically 30 percent interest

If I just had no morals, man, I should have just been a credit card company. I should have just made the worst predatory credit cards and sent them to people's houses because the whole baby of words can works. People don't give a shit. Like, oh, I nutted in you. You're about to create an expensive living thing that I need to take care of. I better go max out on my worst credit cards ever created in the history of the world. Yeah. Do we even plan?

Was this a plan? The baby? Yeah. We did try for him, yes. No preparation at all? Honestly, not really, no. What about the kids' life in the house? I grew up in a house where it was just struggle after struggle after struggle financially for the longest time.

It wasn't bad in terms of like a bad place to live or anything like that. My parents went into debt to get us like to show that to put on a show of a good lifestyle. But man, I saw them stress and it is not the place you want to put them there.

It was not the place you want to put the kid. But, yeah, that's exactly why I... I honestly... I didn't know that she was going to sign up or to try to come here. And I'm honestly glad that she did. Really? Yeah, I didn't know. She told me, like... Did you know about the show? No, yeah. I didn't know about it. She started watching it. And then...

I can't remember if she signed up and then told me or if she told me that she was going to sign up for it and then did it. But I'm really glad because we really want the help because we want to be able to give our kid. I hope so, man. And I can build a budget and give budgeting advice and connect you with resources. But, man, again, you guys said you've been fixing things. But look what you're coming into. Again, it's $1,800 over. Okay. So $769.93 on this.

Why didn't we have a statement for this with the $39 minimum to payment? I think I saved it. I just didn't, like, I left it out when I sent it on accident. Okay, so most recent statement. Let me see this. Luckily, no purchases, but again, it's not that far from the limit, and there's endless fees and interest accruing, and it's brutal, man. Just the same amount of interest and fees this year so far, essentially, as the other one, so you're just doubling up.

How long does this one of $769 take to pay off? Just minimum monthly payments only, which is all you're doing, by the way. I think it's four years. Three, but it's still for just $700? And it's not like it's an insignificant amount of money, but it's ridiculous. Yeah. It's ridiculous how long that takes. Why'd you even open this? What's the history of that card? I opened them when, like...

The thing I struggle with most, I think, is missing out on something or people thinking that I don't have money. Well, you probably don't based on your guys' life. We went to Gulf Shores last July. What, like Alabama? Yes. By choice? On purpose? Yeah, we went there. Have you ever been there? We went for a Fourth of July weekend. Okay. So we opened Credit One to do that? Yes.

Well, it was already open then, but I didn't really use it until we went on that trip. And then I just... Did you put the whole trip on the card? Well, my parents paid for our stay. Then what the f*** are we talking about? So what happened? But, like, we rented a boat and then... Oh, and that went on the card? Yeah. Oh, for f*** sake. So parents pay for the stay, yet we decided to just... What are we trying to do? What are we trying to do? I just want us to be able to...

be like in a good place for our son yeah but are we willing to cut back because every every demonstratable fact of your spending would say no you say the words yes i appreciate it

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Appreciate that but everything says no I want to I definitely am what are you gonna do if your wife doesn't well first starters I'm definitely gonna take those cards and then we definitely need to look what happened last time here We just cut him up listen. Okay you taking them that doesn't change your behaviors my issues You'll just displace it somewhere else checking account open up a new credit card and start taking out hidden little loans like I

Like, this is what happens. You'll start paying for everything or something. Like, I don't know. Taking the credit card, yes, you shouldn't have credit cards. You're not a credit card person. I'll let you use the Fizz card because it only lets you spend what's in your checking account, so it works like a debit card. I'll allow that one. But other than that, yes, you shouldn't have credit cards, but that doesn't fix the behavior. Right? I'm hoping that after today that...

she'll have a different outlook on it. And she will fix the behavior. Yeah, because I'm usually not this big of a tit, so... Tit? Like, I usually don't cry like this all the time. I don't know if it's because of the baby or what, but... Well, I don't know, but so far, you're the problem now. I know. But I can't change it now. Like...

I've done it. Yes, you can. But I'm saying I can't change what I've already done. What you've already done. Yes, but this is what you did like walking into the studio. Yeah, this is what I did. This is the most recent stuff. I'm not going to go freak. The Gulf Shore thing, fine. It's good to know some context. But I'm not going to dig into you and go crazy about that because that was a little bit ago. Right? But literally what you just did probably on the fucking way. She told me she's getting McDonald's on the way home. We already talked about this. Yeah. Like...

fellow fat it's bonded luckily she's pregnant i can't use that excuse like oh i want mcdouble but either way so good but either way i can afford it right caloric wise probably not but i can afford it monetarily and you're just gonna go get this no you're not changing sounds like we're not getting mcdonald's on the way home yeah says you all right bank of america next what's up with this uh those are mine um

The Bank of America card, we... So it was in 2023, we took out personal loans to pay down our credit card. Oh, so we've done this multiple times. Yeah, but you also paid off your cards right before Christmas and then built them all the way back up. I'm counting that as twice. So what the f***, guys? So we had them paid down.

Then we started planning the wedding and ended up using that, using those cards for the wedding, like stuff that we needed for the wedding. And that's how they got racked back up. Buddy, it's less than $30 away from being maxed out to $5,000. Thousand! Five! How long does this take to pay off? Can someone tell me? No clue. Well, I'll tell you. Your kid will be in college.

So yeah 20 20 years your kid will be in college until you pay off a card for the wedding.

And no way it's only for the wedding that happened last summer or whatever. No. Because no way it would be if you're making minimum payments on time and everything. Would it be less than $30 from the max? Mathematically, we would not be there. So what the is going on with this card, guys? Because you didn't purchase as much. My wedding dress was $1,800. And then the alterations on top of it when I ordered the dress were $200. So that was $2,000 right there. Yeah, but that was $2,000.

But by the wedding! If you were not spending on this and you were making minimum repayments since the wedding, this would be a little further down than it is now. You would not basically be at the fucking max. And also, I think we might have used that card too because we... What do you mean use? Use the card on what? We purchased on the card because I think something in our house broke. I don't remember what it was. And it was like, we used it at Home Depot. Oh, no, no, no. One of...

On one of those cards we did use to kind of redo the office area because it was like the floor is really bad I think that one was I think at that purchase was like 500 Due to it

Oh, we did. I put carpet down. We repainted. So you did all the labor? Yes. Good. You did all the labor? Well, me and my dad and her helped. Did you pay your dad? Yeah, her dad. No, my dad just helped. But I mean, that's what. Yeah, she helped. And then her brother helped as well. How much is your wedding dress? I don't even know what it costs. What did you spend on that? I spent $1,800 on it. Okay. Plus the $200 in alteration.

I think it was the alteration. Cause I'm so short. So stop. Yeah. I can wish I was taller. Um, but I'm so short. So I had to pay when I ordered the dress for them to cut the dress to length for my height. How tall are you? Four 11. Okay. Same with our head video editor. Oh, Mika. We'll put a picture of him on screen. He's micro dick height. $146 a month on this card.

brutal i mean you opened it in 2019 it looks like this is insane it's not gonna be paid off for 20 years only making the minimum fee payments 97.30 of interest accrued one month guys i've had a late fee this year so far yes what um what so with that late fee and it is truly my fault um

So for some, I can't figure out like a way, like I can't have it figured out how to like get it to like automatically come out. Call them. Okay. Well, I didn't. You're not that solution. I should have. I, yeah. How are you operating in society? If you don't know how to make a phone call to a bank. Okay. Well, the story is, this is the, you want half the DNA of the kid to be someone who doesn't know how to make a phone call. It's already done. Okay.

Oh, okay. So, what happened was... What happened is you couldn't make a phone call, but go ahead. I typically pay them on time. I usually don't ever miss. But...

I believe... So typically, I pay both the credit cards at the same time. Uh-huh. And then you didn't. They come out different days. So the first one, I paid it. We didn't have enough money to pay the second one. Why overcomplicate this? You didn't have enough money in the checking account? Why? Probably because we spent $1,800 more than we would get on with the basis because we don't care about anything. We were running low, and so I didn't have enough money to pay it when I paid the other one. And then, truthfully, I completely forgot about it until I saw that it went overdue. Auto-pay-y.

Phone call, ring, ring. Hey, bank, f*** me, I'm stupid. Please do it for me because I'm a little baby. That's what we do as adults. When we can't manage things, we at least use the systems in place. What? Yes. Okay. I don't think we've ever missed a payment before that payment, though. It doesn't matter. You missed a payment. That's all that matters. You missed a f***ing payment. And I honestly don't even believe that. That we've never missed a payment before? Yeah. I don't even believe that.

I really don't. I know on his credit cards, he's never missed a payment. I'm pretty sure I've missed a couple of payments on my credit cards, but... What? That counts. Does that not count? Okay, but him... What? No, it's just she said we never missed a payment and then she said that she missed a payment. I agree. What the f***? Yeah.

Well, I have a Victoria's Secret credit card. So that means you don't pay? No, they never send it to me in the mail. You rely on the mail? It's $1,800. We're paying our credit cards via mail? They never sent me the card or the information. I didn't even have an account number. You get an email usually. I didn't. They didn't send me anything. You can also do that thing where you call. Well, eventually they called me after I missed- Why'd you wait for that? Like a f***ing child.

I just didn't think about it after I got it. Then you don't get it. Yeah, $350 in interest on this card alone this year. Hey, more Bank of America. What's going on with this card? I see purchases. Purchases on a card that is basically maxed out that takes 18 years to pay off that interest is accruing that we certainly can't pay off right now. Purchases, what's going on?

I believe that one, like I said, one of them was primarily wedding. The other one, dude, I don't give a fuck. There's purchases on it. What the fuck is happening? Like you used it recently. Wedding? The wedding happened. The wedding's a long time ago. I don't give a fuck. It's basically maxed out. Oh, you know what? So that card does have a lot of money on it. It already did. But for some reason, when he was going to Walmart with our debit card, his debit card wasn't reading. Like it kept like denying the card.

And then he would have to use the credit card because it was $4,467.88 with a minimum payment of $117. No, I'm saying that's why there's purchases on it now. Those two cards like are off limits. We don't touch them unless it was family dollar. Okay. Well, then I see. I always know for a fact they don't know what they're talking about. Unless you wouldn't be in this situation. Like, I didn't use it a family dollar. I don't remember. I lost that card for like a year.

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I'm pretty sure you used it for, for, cause you came home complaining about how you had to use that credit card because I remember that. I remember that happening. Do you mean that you don't know? I'm so confused. Like I do remember having to use it because my credit or my debit card didn't work, but I'd never just like, especially recently, that was like months ago that that happened. I don't, I haven't used it. I haven't used it recently.

So, I don't know. I don't have access to that credit card for me to say that I used that credit card. You have your credit cards. So, you had to have used it. I don't know if it was an auto draft purchase that you have on there. I don't know, but I can tell you for a fact. Oh, okay. Well, I don't know, but it was you that used the card. So, I don't know what it was made for, what the purchase was made for. Yeah, I couldn't tell you, honestly. I did have possession of this card while...

And that's why the limit is so high. But the recent purchase he did make, I just don't know what for. What a mess. Yes. What the fuck are we doing? I just blacked out. I couldn't even tell you what was spent on that card or why. Dollar store. No, I'm saying like for the limit to be that high. I couldn't tell you what was used, what it was used for. Guys, are you fucking kidding me? Are you fucking kidding me?

kidding me there's a late fee on this one this year so far as well are you kidding me oh my oh were they both late yes it should have only been i only i know i thought it was only one of them that was late you thought wrong i took i thought i took my kid out of the steaming hot car

That's what's going to happen? I thought so, it's okay. What is going on? Who's responsible for this f***ing this? This lack of knowing? Obviously, both of us. Okay. Well, I mean, okay, guys, I just, I don't know. Capital One. That's mine. How do you guys, how...

How can you guys have conversations if you guys are never away from each other? If you guys work the same job, go into the same office, need to have these conversations, about to have a kid with each other. How are you guys even able to have these conversations without going at each other's throats?

We just don't. It's like space is necessary. You just don't? Maybe you actually need to. We do disagree about money, but we don't like... What's the disagreement? We don't like fight about it or anything. What's the disagreement? But you don't resolve either.

I mean, it is like, yeah, we, we do, we do disagree about it. Like whenever we do, uh, whenever she wants to get something or if I want to get something, she will say something or I'll say something. But typically, honestly, one of us gives into the other and then it still gets done. So it's in the wrong, just a repeating cycle of stupidity.

We're okay with this? No, we need to fix it. So why no resolve? Why no actually trying to talk? We disagree a lot on buying gifts. What about? He knows that we don't have the money to do it.

And I'll like feel bad for not purchasing a gift for someone and then I'll do it anyways. Oh, come on. You can't just do things unilaterally. Wow. Okay. I thought that worked. You can't just do things on your own. This is a group. This is a team effort. It's selfish of you to do that. Even if it's a gift for others. If you're doing it without consideration of the household, the husband, the kid, it's selfish.

I just feel bad if I don't, like, get someone a gift on their birthday and they're going to see me. Feel bad for your kid and husband. Give him a pat on the back of Back Scratch. Everyone loves a Back Scratch. Give him a Back Scratch.

Okay, I'm going to put you guys through a couple of therapy. Sound or mind, three free sessions for all the guests and I think audience members as well. And I'll also gift you a certification to course careers if one of you wants to change your career field so you don't have to be like on each other. So you can actually have appropriate conversations because a little space is healthy. Well, when it... So like...

I don't really... Like, the way I see the gift-giving thing, like, especially, like, for birthdays, I truly think that... Like, I don't even care to get gifts for birthdays. Like, I don't... Sure, it's not your love language. Sure. Yeah. So, that... And that's the biggest thing with that. Like, I...

I don't care and I won't like I won't buy this stuff and I try to tell her not to but she'll still do it because she feels like she needs to well like it's hard like especially during Christmas like we'll have like a conversation with the family and be like we're not gonna buy gifts this year like we can't and then they'll like we'll go over like okay I mean okay I get it they buy us gifts and then I'm like

Well, we look like pieces of s*** if we come in empty-handed and everybody else has bought us a gift and spent money on us. But that's the thing. Like, they're our family.

And they know they're like, like, obviously our family knows what kind of position we're in. We were open about it. So if we tell them, like, look, we can't afford to do this and like we shouldn't be doing this. Whether your family that does it the worst. That's besides the point. We still need to stick to our guns when we say we're not going to buy Christmas gifts and then not freaking do it instead of, oh, they got us gifts. So we have to put it on a credit card to get it. Like we need to stop doing that.

I just feel like they should stop doing it. Like, they should stop. If we're saying it, then they need to be respectful of the fact that and not get us gifts as well. But that's hard for me because it makes... I feel like it makes us look bad that we're not... Like, I don't want us to, like, look like we're, like, mooching off of other people or, like, mooching off of... It's not mooching if they're giving you gifts. It's not like you're asking for the gifts. Like, hey, I want this, this, and this. $1,000 worth of... And then...

We now we got to buy you stuff in return because you got us gifts. No, like they give us stuff because they want to give us stuff. And if we talk to them and be like, hey, like we can't afford to do this this year. I feel like it'll be OK for us to skip a year of Christmas of gift giving on Christmas to help ourselves financially. The only way that I can fix this should not do it anymore. But it's that's like the hardest thing for me because I hate to make people I hate to feel that way. Like it makes me feel about his feelings. Yeah.

Yeah, we're getting put in a hole because of it. And then I have to go work at the shop that I hate working at so that I can make extra money to put food on the table. Yeah. Because I'm okay at working on cars, but I don't like doing that. That's why I work behind a computer. But I also work overtime when I can. I understand that. To make up, like, to make extra money too. But that doesn't make it okay to spend a ton of money that we don't have for Christmas. Yeah.

i don't think you're wrong i just it's like a mental like it's like a brain thing for me it's hard to not want to give when people are giving to you okay oh gosh okay capital one quick silver one that one's 239.34 have we looked at one of his

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Okay. What a match. $25 a month. $5 of spending. Yeah, stars of interest. At least the payment was on time. She stopped at Sonic. She got her little blast. Little Sonic blast. Yeah, it was probably a cherry limeade.

I had to guess what it was. And that is more important than our kid's future. A cherry limeade for $5. Cherry limeade for $5. What? For a cherry limeade? $5? $5 is not an insignificant spend for a limeade.

You said blast and that's even less expensive. I don't know what people get a Sonic. I was just talking off the cuff. I don't go there because I'm not a disgusting freak. Sonic is disgusting. Go to a Sonic and it smells like death. We have Sonic in our dug dug stream for our elite members in it. There's nothing that has smelled worse in this world than Sonic.

I don't go to Sonic! And I'm fat! And I don't go to Sonic. So I don't know what people get from Sonic. I don't care. Five dollars for a limeade? Route 44s are expensive, dude, if you get them before 8 p.m. What the fuck is that? What are you even talking about? That's like the biggest one. Like the biggest drink. You're getting a fucking... Like, what's the ounce? 44 ounces. You're getting a 44 ounce thing of sugar at 8 a.m.? Yes. So you are a child in your actions and beverages. Great.

Oh, don't encourage them. Who's encouraging them? Either Jake or Lindsay is encouraging them and saying use the app because they're 50% off. They're not a sponsor. I have the app, yeah. So you don't even do that? No. No, she uses her app on McDonald's. She uses all the freaking time. Oh. Yeah. I have like 20,000 points. It's not a good thing. No. It's not a f***ing brag. I mean, it's beneficial, but I'm saying that's why I use the app.

It's beneficial now because I get free $100,000 in debt. 30% of that being for the house. Beneficial. That's going to pay off $70,000 in debt. Okay. And maybe our money doesn't go to McDonald's and it goes to debt. Another capital one. How many? Oh, we haven't had a capital one credit once. That's right. Okay. So capital one, what's going on? That one's mine as well. $496.05. Yep. Transactions. That equals you. Late fees equal him. Okay.

Okay, so $27.87 of transactions on a card that is, yeah, close to being maxed out by $100 that we can't pay off. That interest is accruing $12.94, minimum to payment $25. What are we doing? What are you purchasing on?

It's probably fast food if I had to guess. Okay, how can we just be living off of fast food every second of our life? We're okay with this? No, but I'm pregnant. So like at the end of the day, I don't want to cook every day. I don't trust him to cook. Meal prep? What do you mean you don't trust him to cook? That's the problem. That's the biggest issue. Like I can cook. What is he going to put like cayenne pepper in? What are you talking about? She's got a weird thing with meat.

She doesn't like it's weird. And she was a weird thing with me. He's the type of person we can go to like out to eat or something. And she will buy a $20 meal, take one bite of it and get like a piece of fat or like a gristle or something and waste the whole meal. What the fuck are we talking about, guys? We can't cook because you're afraid of gristle? I can cook, but I just don't feel like it. Meal prep. Microwave. Meal prep. Microwave. Meal prep. Microwave.

You don't trust him. What do you mean? What can he do? What would he fail at? Making spaghetti. What'd he fail at? Exactly. That's what I'm saying. Like, if it's undercooked. Cut through and check. But you can't tell. Yes, you can. Pork's a little hard, but beef and chicken's easy. He made beef stroganoff the other day. Yeah, beef's super easy to tell if it's raw. Exactly. I don't know. It's just my brain. What? I just think that I can't trust it if I didn't cook it.

Is that a medical disorder? No. I mean, I've never been diagnosed with anything, but I don't appreciate it. You don't appreciate it? A husband cooking for you? How are you going to survive when there's the kid? You're taking her to the kid and maybe he's going to cook for the house. What? You're just going to eat McDonald's for every meal for the rest of your life? You're going to die at 40? So what the f*** then? What are we talking about? I can't eat fat meat. And I can't eat food that I didn't cook. Then get chicken. Chicken breasts.

Chicken breast is as white as fuck when cooked. She could literally... Before even cooking the chicken, she sits there and picks pieces off of it and cuts all these pieces. She'll waste a quarter of a fucking chicken just trying to cook it. What the fuck are we doing?

What do you want then cook meatless then and I'm a meat addict. I'm just good every second of my life I obviously I'm in the situation. I love meat, but I can't tell what's pregnancy. What's not I don't I just don't like fat on my meat then chicken breast Has fat on it, but you trim it off and have some cook it trim cook trim cook trim cook

Come on, chicken breast is like the easiest meat to tell if it's under. It's white. It's as white as you when it's done, right? Yeah, but it's also, I just don't think I'm going to budge on him cooking it. What the, what the are we talking about? I would rather get better about. Okay, what about meatless?

What about pre-cooked meat? What about pre-cooked meat? Oh, that's even worse. That's absolutely disgusting. That's even worse for her. I don't even know what you're talking about at that point. That's even worse for her. You can't f***ing do like the pre-cooked chicken tenders to just f***ing. I can eat dino nuggets. That's it. That's the only time. There's a lot of different variations that are healthier versions. No, I can only eat one. Oh, are you autistic? Are you the real autism here? I don't think so. I don't think so. No.

You can only eat dino nugs. Yes. This is love on the spectrum, ladies and gentlemen. I've never gotten a bad piece. She's just weird like this. Why can't he make spaghetti without meat? He can make it if he makes it with the frozen meatballs. What about just without meat? Because who wants anything without meat? No one, but you're with him cooking. So go meatless when he cooks.

He doesn't like not having, he had the gastric. I agree. He can have meat for him. You do no meat when he cooks and do meat when you cook.

i'm confused we can always find a solution are you four how are you gonna tell how here's an actual honest thing how are you gonna be able to tell your kid no you have to eat this if mom isn't willing to eat well i've already told because that's obviously from her upbringing but i've already told her like my kid me and my brother is not going to be that way her brothers are even worse than her well like his family eats like pigs feet and stuff

Huh? His family eats like pig's feet and like... What's your ethnicity? I'm half Mexican.

Okay. So, like, I'm sure that our son will be fine. I'm sure he eats more than just pig's feet, though. No, but I'm just saying, like, that's the grossest thing. And, like, pozole and... What's pozole? Menudo. It's like a Mexican, like, basically kind of like soup. But it has fat in it. Like, the meat is solely just fat meat. Yum! It's freaking good. Yum, yum, yum, yum, yum! That's crazy. What? Fatty meat? That's why people have freaking filet mignon. Less flavorful, more fat. Because it's more tender. No. No.

Ribbing throughout? Okay. I was enabled my whole childhood with my food. Yeah, maybe try to fix it. Yeah. Go to therapy again. I'll fix my... I will put an effort to fix my finances, but I'll never put a piece of fat meat in my mouth. No, you're going to McDonald's every second of your life and fucking Sonic for a little slippy drinky. Slurp, slurp, slurp, slurp. Like, we don't fix this unless food is eaten at home. Unless things are packed for lunch. Breakfast is at home. Limeade is stirred in a pack.

I don't even for breakfast. I don't even eat. I literally just like drink a cup of coffee. Yeah, you have 1% of your stomach. Yeah. So it's literally she will just she'll just get whatever she wants. Typically, she'll order something or she'll go. She'll order something on the app from from McDonald's and then she'll go pick it up on her lunch break or can't. You won't be here for your kids graduation before your credit cards are paid off. Right. Yeah.

Take out life insurance before they deny her. I do have it. Thank f- Yeah, on both of us. Thank f- Definitely not headed anywhere good. Fees? Late fees on this one too, probably. Late fees? Like, probably two. This year so far. I don't know what other fees would be added to this card. Um, is there not an annual fee on that card? No.

Then it very could possibly be a late fee if I didn't have auto pay on it. How many Capital Ones did you have right there? We're at one. I'm pretty sure she has like two or three of those. I'm sure we'll find them. I guess we've done two. I see two Bank of Americas. Oh, Capital One Quicksilver. The Quicksilver is, yeah, Capital One.

So how do we actually solve this if she can't eat food at home from home? I can. I just need to cook it myself. Impossible budget. Like, I'll cook it myself. Then cook it. If that is your choice, then you have to do it and it's not an option. Yeah. It's as easy as that. If you're going to be a child about someone else cooking, then you have to be the one that cooks. It is your choice. Blue cash. What's this? I don't have a statement. I have screenshots. Yeah, that one's mine. What's blue cash? Okay. What's going on?

Oh my f- Why do I keep crying? I'm not like- It's a great question! Offended or anything, I just keep crying. What are you saying? The third one? Oh, the third one you have to pull up for me? Okay, let's talk about the blue cash and then we'll pull up the third Capital One.

That is an American Express card. Okay, well, I'm sorry. And I can't get the statement because it's like... What's the balance? I think it's like $1,200. Minimum monthly payment? $40. Probably late fees this year. So $1,200. No, I can't. I literally can't pay that one late. Go on. It's not just my card. Like, it's my stepdad's card. So he'll pay if you don't? Women's Health, Walmart, Whataburger. Hopefully your doctor tells you to stop that.

I actually already got my gestational diabetes test done and my sugars are very good. So I don't have that. Well done. What about heart disease? Okay. I don't know about that. Bubble tea. Yeah. Yeah. It's whole funders. You're right. So this is around as usual. Interested crew and probably. All right. Pull up that. Pull up that extra. What? It's a capital one, right? Yeah. Oh, sick. Why? And you couldn't pull a statement?

I'm confused. I think I did pull it. I just didn't send it in. Like, I had like, I have 650,000 credit cards right here. Yeah. Maybe you should be looking at them on a monthly basis. Guys, you have to use our budgeting app. Please, please download our budgeting app. Please. I'm going to furiously just machine gun. Do you want this? Slap you. Yes. Oh, well, it's zero dollars. Now. But at the time, it wasn't. What's at the time?

When we send the statements in. Pass due fee beginning of last month. What are you? Why? Why? Why do you do pass due January as well? It's every other month there's a pass due. It's just, God, we're just passed due every second of our fucking lives. You don't pay. Unless Daddy's on it. If Daddy's not on the card, we're just passed due.

Why? Oh, sake. Sorry, I didn't mean to throw you. You're fine. Oh, just like, what the f*** are we doing? We're past due on just everything endlessly? I didn't have it that autopay turned on. Why? And then I just, I didn't end up paying it on time. Why? Multiple times, multiple cards. I just didn't have it turned on. I do have it turned on. Why did you pay?

then? I did pay it eventually. Oh, not on the fucking time though, it was just what matters. Right. But I did have autopay on, I turned it off, I forgot to turn it back on. I'm assuming she maybe turned it off because we didn't have the money for it to come out at the time. Oh, maybe. Yeah, that could be it. It's the only thing that I could think of would be the reason why you did that? Yeah. Because we've shared the same civilization. Civilization is broken. These are the leaders of tomorrow? Oh, fuck me. Yeah.

What kind of finances are your kids going to learn, guys? What kind of discipline are they going to learn? Mommy's not going to eat because Daddy cooked the meal. What are they going to learn? They're not going to learn a single dick. Synchrony what? JCPenney? What are we JCPenney-ing? That was my wedding band and another band for her set. What are you, multi-banding?

Yeah, I have three. Why? What the f***? You got married three times? What's happening? No, so when he proposed, he didn't take the wedding band out, and I just kept it. And then when we went to go buy his, I got another wedding band to go underneath it. Marriage, guys. Come on. It is time to cut down your financial stress and gain total financial dominance.

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$30 payment. Current balance $387. Didn't send a statement. Can't see your purchases. There's no other purchases. That's it. We've never used it again. Can't see if there's late fees. I bet there are because half of these have had late fees. That one's on auto pay. Don't believe you. You may not have had enough in your checking account when it hit leading to a late fee. Okay. Synchrony Home. What's this for? That's cons. That's for... Cons? Yeah. It's like a home appliance store.

What'd you guys get? We... This is a washer and dryer and a fridge. $2,065.17. Minimum monthly payment $1.04. These minimum monthly payments are insane. What the f*** are we doing? What did you spend on a washer and dryer? It was like $3,600, I think. Whoa, you could have gone cheaper than that. It was washer, dryer, and a fridge.

What the fuck? I bought a... When I moved into my most... The house that I live in now, I bought a nice washer and dryer and I think, like, a really nice washer and dryer is, like, that much fun. Like, why'd you need that? We went into...

Facebook marketplace. Okay, so when we bought our house, everything that was in our house stayed in our house. Like, we got everything that came in the house. So we didn't purchase anything new until shit started fucking up. Yeah, but maybe you don't purchase brand new and you don't have any fucking money. And I tried to just go to... Because we got a flea market right up the road. They typically get pretty good, like, washing jars. I was down to just do that. What? This is a historic thing. We already know they get washing jars. Yeah. Oh, fuck.

God. She wanted to go... She talked me into going to cons to go look at a brand new one. I wanted something with a warranty on it so that it would... If something were to happen... Oh, for f***'s sake. Warranties are how they make money. I just wanted to have the reassurance of like... Or you get a cheap set...

That you test. Then if it breaks down, it's not the biggest deal because it's a cheap set. Instead of being on a minimum payment for the rest of your fucking life forever. That one is three years no interest. Yeah, how long are we in? A year. Is it deferred interest? A year and a half. I don't know if it's deferred or not. Oh, you don't even know because we can't pull a statement. Someone pull it up for me. There is a statement, but the website was down when we were trying to pull it.

Oh, yeah, that's what it was. When I was clicking on the statement, it wouldn't pop up. It wouldn't pop up. Pull it up. Pull it up. We also got a fridge at that same time. The fridge was $1,200. Like, the total we spent was $36. But the fridge was $1,200. You still didn't need to get new. That's how we got the deferred. We were selling our fridge from our old office. You could have got that. We probably sold it for like $50. I don't even know.

Because there's always people looking to get you rid of stuff. And the fridge, the fridge wasn't broken. But if we- No! For f***'s sake. To store all our food we don't cook? I do cook. I do cook a lot. Yeah, you also go to McDonald's every five seconds. I do. Do both of the things. Two things can be true at once. Oh, there's a f***ing thing. Here it is, finally.

I'm clicking on statement. Nothing's happening. Yeah, that's the problem we ran into. That's the problem we were having when we were trying to get it. You didn't go on the internet? Yeah, that's on the internet. You didn't go on the app? They closed down. Synchrony? No, not synchrony. Yeah, but it's usually, but this is through synchrony, so it would be in your synchrony app. I don't have the app. Why not? I just go to. I'm going to take that back. I don't know, guys. Maybe it's deferred. Maybe it's not. Gosh, if there was a camera under this desk, my balls are practically out. These short.

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SelectQuote. They shop, you save. Go to SelectQuote.com slash SpotifyPod today to get started. Let's just keep going in. These shorts are in. Ball cam. It's time to size up. They're just creep. They creep. Very comfy though. Except for the creep. Alta? Yeah, that's mine. You're pregnant. Yes. Doesn't even matter what you look like because you're going to be pregnant either way. So it's just like, it's just like, meh.

I'm pregnant. Everyone sees you and they're like, that pregnant. Like, what are we doing? I buy my shampoo conditioner from there. That's usually what I use it for. Okay. Interest. I don't even understand why there's a fucking balance. It's $159.97 for the minimum monthly payment of $30. Just pay it off. Interest is accruing. It's a 30.24% interest. Don't do that.

Dude, they're all right around there. Best Buy, what's going on here? We got 806. 806.17. That was from a few years ago. A few years ago and we're still holding a f***ing balance of current interest? Yeah, because I've only been making minimum payments. Well, not even actually. I think the minimum payment is like 30 something. I pay like 50, but it's not much more. But I bought a PC a few years ago. For how much? You paid the PC off though? No, I didn't. Oh.

Why'd she think that? I don't know. Why'd you think that? Well, I don't think that when we consolidated, I thought he paid everything, but I don't think he paid that off. How much did you spend on this PC?

The PC was like 1800. It was like PC. Like it was everything. PC, monitor, like mouse. What's the GPU? Like everything. I'm sorry. GPU? Honestly, I don't have that much. Where the fuck did you buy this? You don't even know the computer. So I went with a friend of mine. And so he like helped me pick it all out and everything because I didn't really know much about it. But I had wanted to get into it. Unfortunately, I didn't really get that much into it. And I did.

You did? And there's still a balance? But at the time, I don't even remember what we had going on, but I ended up not paying it off whenever I sold it. I'll tell you what you had going on. McDonald's of every five seconds of your stupid life, and then you spent more than you brought in, so you just used that to supplement. And then whenever my brother graduated, I ended up using that card to buy him a graduation gift as well. Where'd you get them? I got them at Xbox.

So stupid. Four years to pay off, 30% interest. I don't understand. This is the, what the choices you guys make are crazy. Okay, what am I looking at? Oh, it's a firm at 36% interest. A firm, what are we affirming? That's for when we- What are we affirming? Closed.

Did you not have clothes? It was for when we went to Colorado. And you didn't have clothes? It gets cold here sometimes. It doesn't get that cold here as it gets- But you probably have a jacket for the few weeks a year it happens. We planned on going skiing.

So when... You couldn't afford this trip. No, I agree. Yeah, you're still affirming. Okay, so we had like a whole family trip. There's like 13 people that were supposed to go on this trip. Supposed to go? Yes. The only people that ended up going were us two and his parents...

So cancel. But it was too far into it to get any kind of refund on the Airbnb. Yeah, but you would have still spent less. Yeah, we would have saved a lot. You would have saved a lot. Not going, but instead we still went and spent that money. What's your balance on a firm? I have two more payments left on it. So like $58. Yeah, I'm going to call it $60 and it's $2,809 payment. So stupid. The interest you paid on that is the dumbest fucking...

Stupid thing ever in the world in the world. I also there's another credit card in there I don't know if he's I don't think you sent it the Academy credit card From your both I'm pretty sure I did send that to you, but I'm assuming you didn't send it to him So are you just like collecting them? Okay. Can someone pull it up? Yes for the fifth time. Well, you said it's Academy. Yes, I

Are you autistic? Probably. Okay. I'm probably... I'm genuinely just curious. I'm probably autistic. I probably have the... It probably just missed you. Just grazed you. I'm the full collection. I'm probably palleted up. I'm a sampler of mental. Well, they looked this up. Sad news in the financial auto family.

Two of the three fish jumped out. They died. Yeah, she had told us when we came in. Lindsay told us about it. My theory was that they thought that you were yelling at them, so they killed themselves. Okay, here. These are living things you're joking about. Yeah. You beast. Okay. The interest is a creature. Oh, what even? What even on this card, huh? Can someone tell me?

I believe that was one of those Christmas gift things. $450, one cent, minimum monthly payment, $30, 18 months of payoff. F*** you. Stupid. It's just stupid. It's dumb. It's stupid. Okay, okay, what is this? What am I seeing here? This is more Affirm? This is additional Affirm? I think that's the same one.

Twice. Okay. What is this? What is $11,897.44? That would be part of the home loan. That's part of... Yeah, that's part of the home loan. What is this home situation? Is it a mobile home? So, the home... It's so cheap. It was my aunt and uncle's home. And they ended up going to stay with my cousin. And while they were there in Virginia, they ended up getting sick and passing away. My cousin sold the home to us for very cheap, like $50,000. And so...

Instead of getting a loan ourselves, my parents offered to help us with it and got the loan for us. And so now we're just paying their loans for them. Okay, $333.81 a month on this one. No, no, no. It's every pay period. Twice a month? Mm-hmm. It's $667. Guys, I'm running out of fucking ledgers here. Okay, you owe $11,997.44. What's the interest? $11,997.44.

I think it's like 7%. Oh, okay. But that's only half of it. Where's the other half? Is this the other half? Yes, that's the other half. For fuck's sake, I'm out of fucking ledgers. Okay, so this other one is $10,709.82. The minimum payment of $411, right? Yes. Okay, interest? That one is...

10. I think so. What is this for? Our home. It's the same thing? Yes. So his mom got a 401k loan out and we pay her every month for it. And then his dad got a resource one loan and we pay the other portion of it on to him. This is so weird. It is very weird. Yeah, it's super weird. How is there more debt? That is my loan for the consolidation.

Interest! That one's like 30%, I believe. Yeah, that one's bad. SICK! Minimum monthly payment $338.33. I think you guys are f***ed. I think you guys are f***ed. $6,714.25. If I flip this, is there going to be more? More loans? He has a loan as well. SICK for what? For the consolidation. I'm taking out my pen. I accidentally just threw it out of rage. I don't know what my body does when I'm upset.

Thank you, Lindsay. Do you feel safe? Okay. I feel safe, yeah. What the f*** am I looking at? What is $1,526 a month? So this is... No, no, no. That's not... That's what's left. Oh, thank f***. That's what's left. I guess I'm going to start writing on this f***ing page because this is insane. What is this car? So I got this car in 2018 and my boyfriend at the time co-signed for me on the car and I got into an accident.

In the car, but I didn't have insurance at the time. It was a single car. Why? Why what? Didn't you have insurance, you tit? My parents took me off of the insurance. So get your own insurance. But I didn't know. I thought I had it. Tell me that I wasn't on it. You guys can't do anything. You guys are incapable of anything. I was like 18 years old. Oh, wow. You're an adult that has adult responsibilities like everyone else at 18. I don't give a fuck.

I don't know how that's avoidable if I didn't know I wasn't on the insurance. I don't know. That's just your word, but you didn't know you were missing a payment. You didn't know you were missing 50 payments. You didn't know you were making purchases on this car. You didn't know you went into the dollar store. What do we know? We don't know anything. So I can't believe you. I do. Okay, so what? You got in an accident, no insurance. Did it total it? It totaled the car. Oh, you still... So I didn't want it to...

My credit or his credit. So I have just continued paying on it. And this is the remaining balance of what's left on the car. I'm getting fucking pen markers on my fucking clothes. Balls out pen marks. It's a dead car. We still owe on it, huh? Yes. Did you scrap it at least? No, it's sitting at his dad's. Scrap it? Why? Why is it sitting there? I think...

I just don't know anything about it. It honestly does need to be scrapped. We just haven't yet. Okay, what's the interest? It doesn't matter. It's almost paid off, I guess. The interest was 9%, I believe. Okay, so $370 a month, right? It's $262. Okay, you're paying more on it? No, so I didn't know this when I was...

but if you defer a payment, it goes to the back of the loan. Oh, jeez, for fuck's sake. So there was this... Where do you think it went? Well, I just thought that it... I don't know what I thought, truly. Deferred? It went away? And I just thought it increased my loan by a couple months. I'm moving on because fuck me. Oh my gosh, we have debt to each other's parents? Yes. Okay, to Brandon's parents, $1,750. For what? That was for our property taxes. So we...

In the beginning of the episode, when we said that we get our bonuses, we get bonuses on top of what we make. My bonus last year was like $1,650, and he was going to get one for the first time this year. So we fully expected to get that money to pay our taxes with, and then our bonuses ended up only being $600. There you go. Don't rely on bonuses. Lesson learned. Do you pay Brandon's parents monthly? They want us to pay them in full. Why?

I asked my dad if he wanted me to just start making a get on a payment plan with him and just start paying it to him. And he said, do you think you could save it up? I was like, yeah. And he's like, okay, we'll just save it up and just give it all to me when you can. Okay. To your parents, we owe $1,500 for what? That was towards the wedding. Why did you have a wedding that you couldn't afford? It's a great start to the marriage. One of the leading causes for divorce in this country is marriage.

So we start marriage with debt? Well done. Is there a minimum monthly on this? No. So no progress. Great. Well, I have paid money towards it. What was it? It was $2,000, so I have paid some money towards it. Of course, it would be a year. Is that all the debt? I believe. No. No. Remember, we have toll bills. Oh, we do have toll bills. We completely forgot to send in.

And we had $1,000. What about a Mustang? They're telling me about a Mustang. Oh, yeah. We have two cars. Two more loans? Yes. Guys, what are we doing? I'm never going to leave here. I want to go home.

It's the end of the day. What are you guys doing to me? It's five. Pull up one of the loans. Yeah, I sent those two or two. Lady, what are you doing? This is why I can't trust you about the insurance. You can't even send half the statements. Did you actually send me the actual statements or was it screenshots for those? It was screenshots. His resource one is just like that. But here you go. There's the two right there. Okay.

These better not be substantial. I'm going to... They are. Oh, my. The first one's $12,000. Okay. What's this first one? It's a Mustang. 2016. Okay. So someone's running around like a fucking douchebag. It's real. $12,822.92. I'm guessing you're the Mustang. What's the interest? 2.7%. That's not bad. That was after I refinanced it. It's not bad. Minimum payment, $538.26. Okay.

What's it worth? I think Blue Book says like $16. I'm getting higher, $19. Oh, sweet. But yeah, I've looked on Marketplace just to kind of see what other people are going for because I've kind of debated on selling it. You're selling it. You're not debating. You're selling it. We also have another vehicle. Yeah, I see that. No, additional. A fucking Kia Stinger.

It's paid for. It's paid off. Well, what is it? It's a 2000 Chevy truck. 2000? What's it worth? Probably like four grand. Sell it. You can't survive. I don't have a title. We could get a mechanics lien on it, I think, and get like a mechanics lien title, but it's not going to be a clean title. So I think that would diminish the value as well. Whatever you can do. Whatever you can do. Get the money. Scrap it even. I don't give a... My idea on the situation is...

You know, I said I was debating on selling the Mustang. I was thinking about selling the Mustang and then, you know, that'll get rid of $700 a month right there just in payments and insurance and then just daily drive the truck. Well, do that. If it's in okay condition. The truck, it's in good condition. Then do that. It needs a little bit of work. Then do that! So that's, yeah. Okay, I'm the fucking king of both. $495.86 is the minimum to pay me with the $24,351. What's it worth?

I think it's about the same as what? Like, I think it's like 21. 19,000. You are underwater by five. You're above water by five. She's underwater by five. Cancels each other out. Sell the car. Drive the other car. Put it into this loan. There we go.

Then sell it because you can get 19. You get the remainder of his from his previous sell. Boom, you've paid off the car. Go get a $10,000 car loan on a $10,000 car. Just save you $15,000. It's not an argument. It's not a conversation. F*** you. That's it. Did you say there was another loan? Or was that a... You said tolls? Yeah. Yeah, we do have tolls. Oh my f***.

what are we on tolls guys this is never ending so we had a toll we got a toll tag because when we got my car what do we owe on tolls uh i don't even give a about the stories at this point uh 1500 onto contours and then an additional 300 1500 on her car 300 online eighteen hundred dollars that's just dumb and i also have student loan debt are you guys

How much? $10,000. And are we paying? I don't know. I don't know anything about it. Well, I can make a call. I don't know anything about it. Make a call. I'm not paying on it currently. By choice? Like, there's no, I don't have, they haven't reached out to me. When did you graduate? I didn't. When did you finish? When was your last school? 2020. Yeah, you owe money. Okay? Okay.

It might be held up in the courts. What? The school I went to, like... Is it being challenged? Closed. Is it being challenged? I think so. If it's being challenged, that's why it's probably on hold. It might be forgiven. It might not be. I don't know. $2,000 in this checking account. Okay. Why is it just $2,000? Oh, okay. Because here we go. Let's see. Let's find out. What? Well, it started with $180, so I doubt that $2,000 is normal. What? We owe the IRS. Not back. Okay.

What? $1,000. Why? So when he got his... You've used more pages than anyone. Are you on a pay... It's paid for. Now it's paid for. We just paid it yesterday. Are you on a payment plan? No, we plan on paying it in full.

If you have money, sure. Great. So IRS, $1,000 interest and fees are probably current. What was it for? It was for our taxes. Our taxes. When? What taxes? This year. Last year. Yes. Or this past year. Yes. Okay. Checking account. Oh, it's so fucking just immature. McDonald's, Taco Bell. Fucking going in and getting some bull being quill bullshit.

McDonald's, Solman's, Apple Bell, McDonald's, Cici's Pizza, Sweetwater, Sweetwater, Brom's Store, Chick-fil-A, Oh, Sonic, Whataburger, Apple Bell, Microsoft, McDonald's, Peddler's, Amazon, SONIC! This is so f***ing stupid! Uh, M-spec-O-F. Hmm?

Doubt that kind. I don't know going and getting some bullshit Apple bill Amazon McDonald's of Microsoft Apple bill Sonic Domino's Amazon Amazon What?

Sonic and Amazon and Apple Bell and Netflix and Roku for Peacock. F***ing Peacock. Apple Bell, Scorpion Quill, Encantos. Hey, Kristen, how's it trackin'? With Carvana Value Tracker. What else? Oh, it's trackin'.

In fact, value surge alert trucks up 2.5%. Vans down 1.7%. Just as predicted. Mm-hmm. So we gonna... I don't know. Could sell, could hold. The power to always know our car's worth. Accelerating, isn't it? Tracking. Always know your car's worth with Carvana Value Tracker. Selling our money. Who knows where it went? We sold, we sold, we sold, we sold.

Oh, Zellen, saving 600. Okay, what are we doing? That's insane. All of the Zells are coming in. That's from me going to the shop and helping to make more money. Well, no, we pay his parents through Zell. Incorrect. We do pay our mortgage through Zell. We send them the money. Then no, it wasn't. Sorry, I thought that's what you were talking about. Jeez, guys. Is that...

Can't please be eight? You don't even have retirement? God, you're f***ing s***. I do have retirement, but it's really insubstantial. What is it? Like, two grand. Well, when you're ready, we'll get you set up with the Moo Moo app, but for f***'s sake. This is just, I don't know, guys. I just don't know. Like, there's not going to be anything left over to... Oh, my f***ing guys. Oh, my f***ing guys. Oh, my f***ing tits. You're titting me, dude.

Didn't expect to envision that one today. So many numbers. We don't even know if it's going to add up right in the end. We're about to find out. This is fucking crazy. That's probably why I don't ever get it right. Well, maybe you could take a little more time, but we don't have as much. You have all the time in the world to fix your shit. It's going to be close, but is that right? It's not $4,000, is it? Your debt minimum monthlies? No. Let me redo this. If you're including our mortgage, then probably so, and our cars. I got to redo that because that just sounds insane.

Oh my f***, okay. Debt minimum monthlies, $3,350.17. What the f***? Utilities, how much? About $3.50. Internet? Is that included in that? Yes.

Gas that you both use for driving. Vroom, vroom, drive, drive. Well, luckily, since we work from home... How much? I would say... $250. A month, yeah. Car insurance is combined. $530. Food, $600. Use the cookbook. Again, everyone that gets a premium version of the mobile app, I'll sign you a personal cookbook and send it directly to your doorstep. You get it for free. TP fund, $200. Anything else you need? Makeup, whatever. Shampoo...

Tampons, you got it. Medical, healthcare, anything on a monthly basis? Yeah, well, at least for the next three months, I have at least $120 of prescriptions every month. Pets? Three dogs. Oh, f*** me. Me, health and ages? They're all in good health. One's one, the other one's...

two and a half and then the other one is seven right seven so i don't know about the seven year old but we'll do at least eighty dollars for the other two and pet insurance on a monthly basis pet food how much i would say about thirty dollars every forty dollars every two weeks maybe eighty bucks okay uh gin yes how much i believe it is 40 a month

Anything else that needs to be in here that I have not taken into account? Our phone bills. Oh, how much? $236. Why? We have Verizon. They're financed? Yeah, they're financed. When they're not financed, switch to f***ing Helium. Same towers as T-Mobile, so it's cheaper, dude. Just f***ing do it. Don't be a tit. But until then, what was your phone bill one more time? $236. Guys, I think you still have...

Somehow, wiggle room, not much. You need $5,836.17 on a monthly basis. You guys are f***ing lucky. It's mostly the cheap living situation. I'm not taking baby costs into account, to be very clear. So you probably will just be breaking even if that, when that happens. But when's the kid? July. Okay, so we have a little bit of time. But that's including, like, with our car payments, if we...

Yes, exactly. You're budgeting as if we didn't sell the car. Exactly, which you will. Then you'll have a $10,000 car. That'll eliminate some of the car insurance. Mustang, obviously, higher car insurance. And we're talking minimum payments close to like $700 in the $700s. Like $750. So we'll get the minimum payments down to like $300 because you're going to get a $10,000 car loan. But even still, I just want to do an example. You have an extra $363, right? Your debt was like $105,000.

This is if you did nothing. It takes 399 months to pay off the debt with the situation and the spending that you guys have gotten yourself in, and that spending hasn't slowed down. You spent $1,800 more than you made. It takes 33 years to pay off this debt. You guys can get that down much further down. Take care of those cars, limit the minimum of the payments, throw all your debts towards it. It's still probably going to be at least like a decade process, especially with the expenses of the kid coming up. But it is worth it for the sake of your kid, because your kid will be 10, and then you can live the best life ever. Okay? Okay.

You guys just have to do this. Take all of our classes, especially the debt and budgeting ones first. The investing ones eventually. Okay? The real estate one eventually. Download the budgeting app. Use that. Use the resource. You get it free forever. Don't f*** around. There is no more time. You guys have put it to the worst. If you go more from here, you're done. You're done. You've hit the limit. It's time to buckle down. Sell the cars. Take out that loan. Buckle down. Change the behavior and do not f*** up.

And prove to me you've done it by coming onto the financial auto follow champ. Okay, hammer financial score. What's the value of the house? 127. Okay, real estate score. It's a weird situation. Confoluted, I'll give you a 6 out of 10. Retirement, I'll give you a 1 out of 10. Emergency fund, 1 out of 10. Debt, 0 out of 10. That is a f***ing get. It's IRS knowledge. Spending, you overspent, 0 out of 10. Real estate's going to be what carries you, but it's a weird situation. Hammer financial score.

For now, it's going to be a 2 point... Let me make sure I do that math. No, 1.5 out of 10. Sorry, one second.

Yeah, 1.5 out of 10. Guys, join us for the post show. Join below. And if you want even more content, we upload every single day with all these exclusive shows, thousands of hours extra content for Hammer Elite. And it really helps support this channel. And it is the best YouTube membership proven, proven by the platform on the entire platform of YouTube. So check that out and join us in the post show. It's great. Hundreds of hours of content uploaded on a monthly basis. Thousands of hours already there for you guys to binge. Thank you.

gambling all your money and winning guys that's not okay i went no you don't if you did we wouldn't have so much i just don't understand why that's fun spending your money to press a with your friends is so fun but i don't have to spend money that's 12 that's 12 to watch the financial audit post show click the join button below