He Came Here To Fight Me | Financial Audit
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One-time purchases. And you need them to survive. One-time purchases. And you need them to survive. One-time purchases. To survive. That are not going to be made in 2025. Doesn't matter. You needed them to survive. So our spending. Hey! Hey! How about we go into the finances and look what we can fix? Here's a fix. Don't f***ing spend $120,000 in a year, you dumb a**. What the f*** do you mean? Do you feel any kind of resentment here? I don't think I would have ever married her.

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. Hi, my name is Lady. I'm 26 years old. Hi, my name is Manny. I'm 28 years old and we're from Pittsburgh, Pennsylvania. And this is the Financial Audit.

The Financial Lawyer, right here. Thanks for coming to Austin. What do we do for a living? Let's start with Lady, because Lady's in front of me. It's an interesting fake name we've assigned you. Like, why the f*** aren't you Guy? I don't know. You look like someone named Guy. Okay, what do you do, Lady? I'm unemployed, so I'm just home all the time. Alright. Yep. Guy...

So I am currently a substitute teacher at my local high school. Okay, so how the f*** are you guys living? No offense. Like, I don't even need to ask the wage for that. I know it's not much. How the f*** are you living? You also look like a substitute teacher. Yeah, I know. So this is like, okay. So you go in, you put a little DVD into a machine, and they can just sit and go to sleep while you're there. Oh, I wish. You babysit. I wish. I wish.

Unless you're a perma-sub. Are you perma-subs? We're in every day. Currently, I'm teaching 8th grade integrated science. Our principal had medical emergencies, so the 8th grade science teacher is now the principal. So we kind of all stepped up positions. It's still the same pay, but I am teaching. Tell me what you're making.

So it's $175 a day. It's daily pay. It averages to about $23 and some change an hour. Okay, what hits your account on a monthly basis? If the weeks are full, because we don't get paid for days schools closed or spring break or anything, it's $1,400 even.

every two weeks. Oh, every two weeks. Every two weeks. Yeah, $2,800 a month if school's open. But that is not always and there's like three months where it's definitely not. Correct. Like this paycheck is only six days so it's going to be rough. Why? Spring break took up that much? Spring break was Friday and then being here missed two days. Yeah.

But I do also have a second job. Why are you unemployed? I am an immigrant. Yeah, you are. I hear the accent now. Okay, hold on. Yeah, so I'm currently trying to get my— You guys are married. Yes. Yeah, we are. How long have you guys been together? Since May—sorry, June 2022. Yeah, we've been married for about a year and a half, September of 23. You got married in a year? Yeah, a little over a year. Yep.

A little quick, but very happy. Yeah. Okay. Yeah. Where are you from? I'm from Zambia, but I am Somali. From Zambia.

In Africa. Were you guys on a different show on TLC before this? No, no 90 Day Fiancé. No, she was over here for school and we met on a dating app. And that's kind of what kicked it off. Yeah. Okay, so how long until you get this work visa? I applied for it. I had one and then it expired in August of 2024. What were you doing? I was working in Custom Service.

But that is money and we need money in Pittsburgh. Cost of living area, edge of the Rust Belt. Okay. Yeah. Not horribly the most expensive, but substitute, you know,

with all the time. Like, what the f*** do you do in the summer? So, my second job that I work... You just pop at me? Yeah. That I work with concurrent with school is at CVS. Concurrent with school? Yes. Oh, wait, no. Working at school, not being in school. Well, I'm also in school, too. You're in school. What are you in school for? To get my teaching degree for my master's. Oh, thank f***. Master's? Why master's? Why are you substitute? What's your bachelor's in? UX design. So, I did an online school. Why aren't you doing something UX?

that makes money. As soon as I graduated is when COVID really hit and everyone got laid off. So... COVID really hit? That's when f***ing tech...

hiring went crazy. After a couple months, after like six months into COVID, you could have got any job you fucking wanted. I wish. I applied to over 200 US jobs. Then you probably sucked at your applications. Maybe. I did try to do... And you didn't have experience for what it's worth, but they now engineers where they're like, let's overhire, let's pay whatever is necessary to get them, right in the middle of COVID. And that is not the case anymore, and it's really hard for a lot of people. But...

Yeah, UX, I get it. It probably wasn't as crazy, but you had to have some kind of opportunity. There's a certain part where it was probably your interview or resume skills. Well, the problem is getting the interview. Then it was your resume skills. Yeah, getting the experience to even get a resume or portfolio. Yeah, you would have had to do some contracting jobs. Step in the door, dude. I try. No, you f***ing did. It's so difficult. Yes, I did. It's so difficult to get anything UX. I really don't.

Even with like I had a portfolio website that had like my school projects and stuff on it. Maybe it wasn't good. No offense, I'm hiring people right now, but every time I see a school project, it looks like a school project and I run away. I would rather almost have no experience in school projects. I had a good mentor who was – he was –

head of UX at BNY Mellon. So he was local in Pittsburgh because we have a BNY Mellon building there. And he tried to help me out with portfolio and everything. So I took his tips and everything and still just couldn't get anything. And so to get money, like right when we started dating, I think. UX design, right? Yes. My sister is a full-time teacher up at the elementary school. And she said, you know, I'd make more money there than what I was doing working at CVS.

So I kind of have been there for like two years, realized I enjoyed teaching. So I started to go back and get my master's. - Which I vibe with. I wanted to be a teacher for the longest time. That's why I like making the educational things that we do. - Yeah, and it's really fun. I enjoy it. My last two classes finish up in like two weeks. I do have my student teaching and my praxis to pass. So hopefully by December of this year, I'll be fully certified and able to start making actual salary.

We see about 16,500 job openings projected each year for web developers and digital designers over the decade. Over the decade, sorry. But each year for the remainder of the decade. And we're expecting about Bureau of Labor Statistics is projecting an 8% growth in employment for web developers and digital designers from 2023 to 2033. Now, AI is starting to wrench in some things, but that was not as much of a case when you were doing that. I really think you probably just had...

Skill issue, dude. Like, resume issue. It's fully possible. I don't think I put... Because if you were applying to that many and you weren't getting an interview? I think I did. That's... Yeah, you would have gotten some interviews, buddy. I definitely didn't put my best foot forward, like, in school. Didn't try as hard as I should have. Were you putting your...

Were you putting your GPA on your resume? So, yeah, my GPA, I graduated from my college, I want to say, with like a 3.5, 3.6. And did you put that in your resume? Yes. Why? Who cares? Just say you have the f***ing degree. Because I was told by that guy at BNY Mellon that he does look at GPAs for hiring. And then you didn't get hired. Correct. Or interviews. Correct. So maybe we're not listening to him. Yeah.

I think he was okay, but I also learned... You didn't get any job interviews. Yeah, I'm perfectly fine with the fact that now that I have a bachelor's, it's kind of useless. As long as I get my master's, I'm happy teaching. The problem is actually getting the money. So teach it in what? What do you want to teach in? Math.

So I really enjoy teaching kind of like 9th, 10th grade level math, kind of like Algebra 1, Algebra 2, Geometry, that sort of thing. But they're telling me you guys are thinking of moving to fucking Zambia. Eventually. Yeah. I'm pretty good at Geography, but I don't think I can point to Zambia. Well, I'm from there, so... I can point to Somalia. Oh, Zambia is down south. So there's like... There's a lot south of that. Yeah, there's like South Africa...

Okay, that's very far from Somalia. Okay. We don't need a geography audit. Okay. But if we're looking to get a master's degree in math and we're talking about moving to Zambia, what the fuck are we doing? What is going on? So as far as moving goes, all of my family lives within about 10 minutes of each other. So until...

I always said to my parents, you know, when they get older and they kind of pass away. It sounds morbid, but I kind of want to stay close to my family until, you know, everyone's... Then what is this talk of moving to Zambia? After they... How long is that?

Ish. Ish. My parents right now are both about 60, so... Buddy, this is... Okay, so we're talking like 20 years from now, maybe. Like, why the fuck are we talking about this? Because, obviously, if I get a teaching degree now and I move to Zambia... And we want to live somewhere where the GDP per capita is $1,300. Yeah, so it's kind of like... Okay, so if we're moving to Zambia, obviously her family's over there. That's where she's from. But getting out of, like, our American debt, the...

conversion is about... Another couple escaping from their American debt from their own fucking choices. Also, 20 years. Well... 20 fucking years until you can even go. 20 years is 20 years. I mean, we're not... 20 years of debt. Yeah, but at the same time, when she gets a job, if her work visa ever comes...

Um, the currency conversion to her country is about 28 to one. Um, so what we make over here, when we can get out of debt, if we can save up even like a year or two's worth of salary, we're rich over there. Yeah. Yeah. But that's, if you can save up and you pay off your debt, that is so many ifs. And if you're on this show, you probably yourself. Correct.

So I don't know what we're talking about. Plus, you're just going to be a math teacher anyway. It's not like you're going to be going like crazy. True. But also my teaching degree from here, I can also teach over there math because their native language is English. With the average salary. Yes. But like I said, paying off our debt here is...

then allows us to save and use that American money. Yeah, it does if you do it, but you're on this show, meaning you've done literally the opposite. But it's not an if we pay him for debt. It's a when. It's going to happen. No, I've seen people on this show in their 60s, I think even one or two in their 70s. That is not a when. You can go tell debt. This is a fucking America. Correct. Body consumerism to the 10s.

You're gonna stack it all up until you die. You don't think that this doesn't just change with age. It's changing with behavior. You're not changing behavior. It is not a win thing. It is not a mathematical equation in your sense. This is you having to actually put in the action. But a big problem with like why we are in debt is because of her work issues, her work visa. If she was making a decent salary right now, 16, 17 bucks an hour, even if she's making the $30,000, we would be able to get out of our debt much, much easier. Maybe not, you know,

perfectly, but much less than 20 years. I think the main reason that you're in debt as you make $2,800 because you are being a substitute teacher instead of actually trying to figure something out and even working another job, you know, a better job, which you totally can. You're in the age range where you're in like getting close to prime earning. You have a lot of opportunities and then you spend $3,600. $3,600.

So in a month, $3,600 in a month. Yes. By the income that you are choosing, which is not always that high because you want to do this. You're choosing to touch us because she doesn't have a job. I think we should get you a job. It's not allowed. Yeah, I know. And that would be great if we can get there.

But that is not the sole reason. You're using it as an excuse instead of you actually f***ing up a little. So come December, when I can get hired as a teacher, step one pays $48,000 a year with a master's degree in math. How? Which is $13,000 more than I'm making now. Yeah, let's get a master's degree to make $48,000. That's the starting. By step 20, if I stay teaching for 20 years, that's about $98,000 a year. Oh, buddy. Listen, in our generation, because we're pretty close in age,

The average is we leave jobs in 2.5 years. Yeah. I don't think that's a lot of people that get in teaching the same teaching. You got the, you know, a lot of the government benefits. I'm not saying that's 100% you, but to just bank on 20 years with what our generation is known for.

I don't know, man. I thoroughly enjoy teaching. So I plan on staying at this job for a very long time. I bet, but you don't know what's going to happen with what you're interested in, the school you're interested in. Maybe you're not actually that good, you know, once you're in the classroom and dedicated full-time. Like, who even knows? You're banking on a lot. I am banking on a lot, but at the same time, if I bank on nothing, then I might as well just sit around and do nothing. How much does a UX designer make in 20 years? Probably well over $100,000 a year. Mm-hmm.

Right. But at the same time with teaching, I also do work a second job. I do enjoy the quality of life of, hey, I get out of school and I'm done working by 3.30, grade some stuff over the weekend. So I enjoy quality of life a lot.

I think it's because you're a substitute. Basically, any teacher I know, they're working well past 3.30. Well, 3.30, they get out of school. They can't grade after. But a lot of the times with how at least the school I work at is run now, everything's online. They don't have to really grade anything. And once you're able to start working again, what is your work experience? I have a lot. I've worked in management. I've worked in...

travel, travel ticketing. I've worked in customer service, customer as a customer rep. I've worked as a what are they called? Medtech and aid at senior living homes. I have worked logistics, that's actually the one of the longest

Logistics. So, like, with her customer experience, the company, she has an NDA, so she can't say necessarily what company she worked for because of who they helped. That's fine. But customer service, she dealt with, like, financial stuff with people. What, helping them? Because I guess you need her then. It's a certain financial app that you can invest in. She was helping them with, like, their accounts and deposits, that sort of stuff. Okay. She was...

I don't want to say bad, but her managers kind of let her have it because she's not necessarily Americanized enough to, when we call customer service, apologize to people. - I don't speak to a single American when I talk to customer service. - But like how they're all supposed to say, "Hey, I'm sorry you're going through this problem, "but let me help you," and all this stuff. - What'd you say? - She's straight to the problem, straight to the solution. Here, I fixed it, have a good day, bye. - Cool, why didn't you adjust and not be bad at your job?

Uh, because it felt like I'm faking it and I really didn't care. Yeah, but what about keeping your job? Well, I mean, I mean, technically I was good at the job. I was one of the... Except you kept getting in trouble for that. Yeah, except I wasn't apologizing enough, which I think it's fake and...

And personally, when I want... Do they tell you to apologize more? Yeah. Then that's your f***ing job. Yeah, but then, personally, I always look at it as if I was on the phone call and I called somebody and I have an issue, I want them to tell me what the solution is. It doesn't matter. It's not your company. But that was fake. But I didn't want it to be. It doesn't matter. It's your f***ing job.

I'm so confused here. I know. I don't care how you want to cook the burger. If the restaurant tells you how the burger is cooked, cook the f***ing burger. Yeah, but I didn't like that. I hated it so much. I don't care. It's your job. What are we talking about? So especially with hers, um...

customer service is so time-based that going through all that apologizing and stuff, she was going over her time limit. So she was getting in trouble for them telling her to do the thing, but then she was doing the thing and then going over the time limit. So then she was getting deducted on that. Yeah, that too. Because they give you like a time limit. Okay, so you weren't good at your job. No, I was good at it.

everybody at the job. Did you get fired? No, I didn't get fired. Her work permit ran out. Yeah, but a lot out of like everybody that was working there. What's her green card status? So you guys are married. What have we done? So we got married. We filed, it's an I-131, which is like my petition for her to stay here. Yeah. Then we had to file the I-485, which is her adjustment of status, which is basically saying like, hey, we're legally married. I want her to get a marriage green card. That's been pending about

About a year now. Over a year. And then we filed for her work permit in August. And that's supposed to take three to five months. It's been eight. Yeah. So right now she's legally here on basically a marriage green card because while that's pending, she's allowed to stay here. But we're kind of just waiting on interviews and waiting on adjustments. How are things going to change when she has an income?

we'll have much more money to pay down debts much easier. I'm looking at getting rid of... I assume your spending will just go up because look where you are. We're at $70,000 a debt. Why no? You're confident with the no? 100%. 100% confident. You already had an income before. Correct. But,

How long has she not had an income? Since August. Yeah, it's you then. That is when our credit card debt skyrocketed. This is not $70,000 in eight months. That's spending. F*** you. Well, $70,000 in eight months, our spending has skyrocketed because we also moved in after we got married because we're not allowed to live together before we got married. Oh, no. I moved into a place. That means I have to spend $70,000 in eight months. What are you talking about, dude? A lot of our expenses were with her not having a job. We have to put on credit cards. $70,000. $70,000.

That is you living above your means. You do not need to live on $70,000 in eight months. We are talking at that point, you are living off of $110,000 a year. That is you are not making that up with an income. What are you talking about? A lot of this stuff over the past year are one-time purchases that are not going to be made in subsequent years. And you need them to survive.

one-time purchase and you need them to survive one time and you need them to survive this is what i'm talking about one-time purchases to survive that are not going to be made in 2025 doesn't matter you needed them to survive so our spending doesn't hey hey you our spending is going to go down because of those one-time purchases are no longer on the budget listen listen listen next year maybe you'll want to buy a chin i don't know what's going to happen at some point everything gets pushed everything

you will find a replacement for that spending. The spending that you did last year that are one-time, you're gonna find one-time purchases next year. I only have four of these conversations a week.

That's it. For three years. So you're saying my position is the same as everybody else's position and I'm not unique in any way. So why would I be on this podcast in the first place? Yeah, basically because essentially everyone that comes on the show, trust me, I've heard that this show. Just because our spending was bad in the last 12 months does not mean it's going to be bad in the subsequent 12 months or the 12 months after that.

Behavior just changes because we wake up one day. We are here to get our behavior changed and look at what we need to change. I don't change behavior. I will give you advice on what you should and should not do. And that advice will help our behavior. Yeah, if you follow it. Yes, that's what we want to do is follow it. That's why we're here. That's why we're here. Okay, bingo. Got it. Ding, ding, ding. Buddy, everyone says that. Again, you think you're unique? You're saying exactly what everyone says every single time.

Okay, I'm here to get help. If I didn't want help, I would not be here. Then maybe you should f***ing listen instead of interjecting. Oh, yeah, go ahead. Interject. No, go ahead. There it is. Okay, your one-time purchases that you did last year, you will have one-time purchases for the rest of your life. This is what happens every single time. And even still...

Even still, she did not have a job since the middle of last year, since after the middle of last year, and you guys chose to live on $120,000. Even if they're one-time purchases, I don't give a fuck.

You chose to live off of $120,000 a year when you barely make scraps. So I don't give a f*** if they're one-time purchases. You chose that. You chose that. So how about we go into the finances and look what we can fix? Buddy, it's a fix. Here, here's a fix. Let me give you a little fix. This will solve your entire issue and we can fast forward instead of doing an hour and a half. Here's a fix. Go!

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Y.com slash hammer. That's Yrefi.com slash hammer. Or call 888-Yrefi-78. That is 888-Yrefi-78. And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. We were fiscally irresponsible and that's what we are here to try and fix. But that is not how this conversation is going to go. Stop trying to control this. Okay, you little domineering freak.

That is not how this is going to work. I am trying to learn about you. I get into your brain. We figure it out. And then we go through the finances. And then I get to learn about them based on the establishment that you set before of your personality that I get to know about you and why you did the things. Guess what?

Special guy. I don't know if math teaches this, but when I look in your most recent month, I can't see what you spent in August. So, yes, we're having a conversation about what last year looked like that got you into $70,000 of debt. I agree. Yeah. I don't think the master's degree is going to solve that equation for you. So...

Yeah, we're going to talk about maybe the mistakes you made. Absolutely. I 100% agree. So stop with the let's go to the documents then. I know we're going to go into the numbers that happened in the last month. Okay. Okay. So why the f*** do you think it is okay to spend $120,000 in a year making $20,000 to $30,000? Never said it was okay. Then why did you do it? I said it was fiscally. No s*** that you chose to do. Why did we do it? We were fiscally irresponsible. That is not fair.

an answer why did you choose to do it that is not your choice the fiscally irresponsible is not the answer i want to know why the you did it self-assessment try to get any kind of reflection in your life why did i do it i don't necessarily have a great answer for it i'm physically irresponsible oh my gosh that is not going to be an answer that's why we wrapped up so much of this debt no because

and money on dumb. There we go. There's, oh, there's an attempt. Stupid one-time purchases. So what are you getting? This one-time purchases that you're able to justify for an entire year, which will apparently never happen again in the rest of your life. Never said that. Okay. Then why are we defending ourselves? Like it's just one-time purchases that will never happen again. Because certain one-time purchases will never be made again. I have already looked at certain ones. Sure, but they will be replaced with other ones.

other one that i want to do is replace them that they always will but you say they always will they don't necessarily have to always be with the with your discipline if you choose to i know that's and that's what i need to work on is my fiscal discipline yes so let's learn about why you did those in the past tell me what were you purchasing dude instead of just saying i'm fiscal irresponsible and trying to move on what the did you actually do be completely honest

I didn't know we spent $70,000 a year. That's why I'm saying I don't know what these are. Can you answer the question, guy? You don't need to sit here and try to look good. I don't know what we spent that money on, the $70,000. You can't reflect to three months ago. $12,000. You keep bringing up one-time purchases. Tell me about any of them. Couches, one-time purchase. Oh, he figured it out. He was able to get an answer. We got there 10 minutes later. Couches, one-time purchase. TV, one-time purchase. All the stuff we've had to move in, whether it's tables. That's $70,000? Couches and TV? That's what I'm saying. I don't know what this $70,000 is. Keep going, then.

All the stuff we've had to move in. Plates, dishes. You needed a TV to survive. Well, we've had our TVs. Okay, so that wasn't it then. Okay, so desks for her to sew. Sewing machine for her to sew. Okay. So she can try and make some supplemental income when she's allowed to work. How much have we made? None so far because I cannot work. She's not allowed to make any money whether it's cash or in the bank account. Good, then maybe we should have purchased for something she can't do. That's when she was allowed to work. And did you make any money doing that? No. Okay, so bullshit. Keep going. Uh...

I don't even know what other one-time purchases could be. Lots of food, lots of, you know, I mean, your passport doesn't really count because you had to get that. But going on vacation to Ocean City. Yes, that is necessary for surviving and moving into a new place. This f***ing guy. What are you talking about? Technically, that was before, but... How would you talk about sense f***ing?

the unemployment because you're the entire i want let's frame let's frame back let's get to where this started you specifically said we are going to get out of debt when she gets income because everything's going to change because we got income however obviously mathematically you can do that part you know that that is not why you're in this debt because no amount of income she gets unless she gets a six-figure job would make up for the kind of spending you guys did last year so tell me why

me what the you guys were doing since she got unemployed spending money on dumb also i don't really know this is one-time purchases also i don't really have the money coming in to kind of hey how about you work like a man then i am working what the do you mean you took three months off when she was unemployed i didn't take three months off it was summer break i worked over the summer what'd you do i work at cvs you said you weren't bringing in money you would have been bringing your money if you're working 30 hours a week okay so that is money then don't say you didn't bring any money i never said that

Did he not just say that? I think he really never said that. No, I work at CVS while I work during school. And over the summer, they don't let me work full time. They let me work 30 hours a week. Who doesn't? CVS. Okay. Because they can't transition me from part time to full time because of benefits. But you pick up a second job somewhere else. That's what I'm trying to do right now. For over the summer. No, last year. I don't give a shit about right now. We're still talking about last summer trying to follow along. Yeah. Why didn't you work a second job? Because she was still working over the summer.

You got unemployed in August. Why didn't you pick up a second job? Why couldn't you pick up a job in the evenings? You don't make enough money. I worked at CVS in the evenings. It was CVS in the evenings. So I work at CVS. Why are you working at CVS right now? I am. Why did you say that? That's what you do for a living. How am I able to get answers without a full picture? Listen, to be fair, you cut me off after I said substitute teacher and I never got to go back into that conversation. How much do you make at CVS now? It's about $19 an hour. How many hours a week? Are we currently working? During school, it's about 10 hours a week.

I work there Mondays and Tuesdays. You can do more than that. I work there Mondays and Tuesdays after school. They don't let you work Saturdays, Sundays. Sundays are only open for- Are there other weekdays other than Monday and Tuesday? Yes. Might need to check your calendar for that one. I also have my schooling that I have to do. Okay. And when does that take place? I do my schooling Wednesday, Thursday, Friday.

I'm in online school. One of the classes, what time? It's all asynchronous. So I do it whenever I have time. There's no live lectures. Oh, good. Okay, so you can work after school for a few hours. Yeah, I do work. But Wednesday, Thursday, Friday, if I come home at CVS, I usually get home 9 p.m. I have to wake up at 6 a.m. to go to school. If I do my schooling after that, I'm going to be dead. So you're doing the thing that the rest of us have done all throughout life when we had to sacrifice and maybe you get a little less sleep. Okay.

Yeah, to pay the bills for your f***ing wife, the roof over her head, since she doesn't have a choice to work. Yeah, you man up a little. Okay, I completely agree. That's why I'm looking for... Good, which is why you didn't do that. That's why I'm looking for second jobs right now. I love how this guy's just like, we're going to do this. Everything's going to be good. It's just one-time purchase. Everything's going to be good in the future. You're right. I will do that. I'm here. Guys, it was just... I was just financially insecure. How about, like,

That's not how this works. You don't just get out of a pushback by saying, you're right, I'm just going to do it. No! Why weren't you? Because I can't just believe you're going to do something if you're just going to say... Because when I'm already working in school and I'm already working that second job for two of those days a week, the other three days I'm doing the schooling... Hey, CBS won't let you work on the weekend? No. Cool, go to McDonald's.

Why would I want to go work at McDonald's? Sure, $15 an hour. Morning? Money? Yeah, money. I have schooling I have to do as well. Okay, you didn't say that. You said Monday, Wednesday, Friday. Again, how am I able to have any kind of assessment if you refuse to answer a question sufficiently? I am perfectly capable of working, but I don't want to work seven days a week. I don't give a fuck what you want. You're under by $1,000 and you have a wife who can't work and it is not her fault.

Yeah, but I am not working seven days a week while I'm in school. Yes, you are. I'm going to fail school. That's going to be more student loan money that I'm going to have to do. But you said you did school Monday, Wednesday, Friday. You did not say Saturday and Sunday. I do school Wednesday, Thursday, Friday. Wednesday, Thursday, Friday. You did not say Saturday, Sunday. Saturday, Sunday. Okay. Like maybe I could pick up a second job. Yes. That's what I just said. That's literally

That's literally what I just said. That's what I'm trying to do for the summer right now. I'm applying to jobs currently for. Not for the summer. I'm saying what. If they hire me now, I'll do it, but I'm applying for these jobs. You can say so many, you can run the rest of this conversation of yes, you're right. I will do that. I want to know why you didn't do it because I will have no faith. It's just like someone who comes on, has all this debt and says, you know what? I'm just going to pay it off in the next year. By the way, that's exactly what they just said earlier in the conversation.

How can I have any kind of belief in that if you have not been doing that? That is why I am trying to ask questions as to why you are not doing something so we can diagnose and find a way to get you to actually do it in the future. The answer of, oh, I was just financially insecure and I'm not going to be.

That's not a answer, buddy. You do not get anywhere in life with that. So why I didn't work? Yes. Why are you not working on Saturdays and Sundays? Because I'm lazy. That's my time to recuperate from the week. Great. Could I have done better? You married a lazy man. Could I have done better? Who's not willing to keep the roof over her head. How does that feel? She has a roof over her head, actually. For now. Keep going $1,000 in the negative every single month. We'll see how long that lasts. You married a lazy man. How does that feel? I don't think he's lazy. Really? I think he's okay. He's not willing to work Saturday and Sunday.

Yeah, I think he should take a break as well. You don't want the bills paid. He does pay the bills, but I think— You are under by $1,000 and debt is going up and right to $70,000 since you went unemployed. What are we talking about? You're going further in debt. That's not paying the bills. Do we know what paying the bills are? A little concerned that both of you do not know what paying the bills are. It makes me a little nervous for the future of this conversation. Going to debt is not paying the bills. We do realize this, right? That is actually additional bills now?

Yeah, but he is working two jobs and going to school. So I do not think he's lazy. He is not making enough when he has time to go make more money and he is choosing not to. And he just said, because I'm lazy. That was his own words. He literally just said he was lazy. Yeah, but I don't think he's lazy. Oh my gosh. He's not making enough money when he has the choice to go make

More money. I don't know what to do. This sucks. It sucks not to have a break. It sucks not to have a break. We all want to have a break, but we all sacrifice in the time of need. And you're in the time of need. This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings account and get a welcome bonus of $300. Sign up for Acorns using my link and get totally free.

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I'm not thrilled to say go do it. I don't fucking want to see you be out there. I don't want to see you. I don't want to see you, you know, just working away. It's not. Yeah. Okay. I'm currently applying to jobs and that's what sucks is like I'm going to have to work these seven days a week until her work permit comes in. But that's a crapshoot when it comes in. They basically said because they fired USCIS representatives.

Everything's getting pushed back, so we don't know. Currently in the process of applying for jobs, but it all depends on who gets back to me. I have remote jobs I've applied for. I have, you know, like local Harbor Freight, Home Depot, Target, that sort of thing. I'm just waiting to hear back. Like, that's the thing.

What is your resume? Because you're the only person in the entire world that will apply to thousands of jobs and not get one interview. That's not true. That's not true. I also applied to multiple jobs. Okay, no offense. You're in a very unique situation. You do not qualify in that. Yeah, because yours before, like, you have to, because your social says you can't work. You had to put like, hey, I can only work till August of 24. And people aren't going to hire you for that. Yeah, but that's not why I had my resume.

Yeah. But I mean, like, it does suck that like we're in this position and like, obviously I want to take care of my wife. Like I want her to be like happy and we're not in debt and all this stuff. You want to, but then you don't need the one-time purchases. I'm still not aligned with, I do not accept your one-time purchases. You chose to do them, chose to do them. If we are caring about the household, it is not getting a fucking...

dream bed frame or whatever. I don't even know the couch. We don't need that. We get a, we get a used couch off of Facebook marketplace. And I think looking back into like us making those one-time purchases in the moment, it felt like we had the finances for it, but obviously looking back on it now, seeing how much debt that we're in, it's a huge mistake, right? Like we're in all of this debt because we were stupid when we had the money. But I think now we can use that as a learning experience and to not do those stupid mistakes going forward.

Okay, let's play a little game I like to call Special Little Game. That's a good name. Again, just self-assessing where you guys are at, and we're going to jump into numbers, which is what you really, really want. You guys are like, oh, we've got to get into the numbers.

Okay. I want you guys to point to the person you think is the cause of this. Okay. I'm going to ask you a question and you're going to point to, it can be pointing to yourself. You can be pointing to each other at the same time. Okay. So at the moment, the moment after I ask it, make the point. Okay. Who is the most likely to hide their spending? Okay. It's interesting. We'll get into that. Whose financial spending is sabotaging the relationship?

Who is currently more responsible for the relationships financial stressors? We both think it's ourselves. Between the two of you, who needs financial audit the most? Both think it's yourselves. Why are you both because you both just thought you were for the last two. I think the second to last question why she thinks the financial situation sabotages her, because I think she feels like she's a burden on the relationship because she's not able to make an income.

Not only that, I do not like to cook, so I like to get some takeout. Why do you think he said himself? I don't know. Oh, come on. He's your fucking husband. I hope you know something about him. Why does he think it's him? Yeah, I don't think he spends more than I do. Why do you think he thinks it's him? I don't know. Lady, that's not good. That is not good that you can't even get in the brain of your man? Oh, boy. Okay. Okay.

And when it was most likely to hide their spending, you both pointed to her. What the f*** are you hiding? I'm not hiding anything, but I like to buy skins in video games and not tell him. Okay. Yeah. Marvel rivals. She loves it. But if someone were to hide it, it would be her with, like, video game stuff. Whose financial spending is sabotaging the relationship you both pointed to? You. Yeah. Why? So, I think...

I mean, a lot of the burden, all the burden for financial stuff falls to me when it comes with, like, making money and stuff. But this is spending. Financial spending is habitation. And so with the spending and stuff. Let me guess, the one-off purchases that I'll never happen to get in our entire lives. So with the spending and stuff, a lot of the stuff that we spend, like, I don't necessarily have to, like, approve it, but we both talk about it, and if, like, I don't agree on it, it won't be spent. So, like, if she wants to go and spend a bunch of money at Ulta. Well, is that why you guys pointed to her for the secret of spending? Yeah.

Do you feel like you do secretive spending because he won't give permission if you ask? It's not that he won't give permission, but I know what I'm going to spend on is dumb and I just don't want to tell him that I'm spending my money on dumb stuff. And you know he won't agree with it. Yeah. It's not that I won't approve it because like... Well, how do you deal with that? How do you deal with her just go spending without the communication of it? I think we have like a boundary. Like she's not going to go nuts with like... Well, what do we qualify? Like...

Maybe once a month she buys like a $20 skin for... That's not crazy, but is that all we're talking that's happening? Like she doesn't ever financially hide stuff. You don't do more than that. No, I don't do more than like $20. It was with Luz, one of your friends. Okay, I'm going to go 3, 2, 1, go. On go, I want you guys to give me your household financial score of where you think you are. 0 to 10, 0 being the worst, 10 being the best. 3, 2, 1. 5. 8. 9.

Do you want to translate? For me or for her? Well, she thinks it's an eight. I feel like you should deal with that. I think it's good. I think she thinks because... Buddy, you have $70,000 yet? Because we have a roof over our heads, we have cars, like our... You know all that can be taken away. You bragged about the roof over your head a second ago when I said, okay, he's not making enough to be able to actually do that. You know...

You know that it's not a permanent thing. Roofs can be taken away because you do not own your roof. But those, like, mandatory expenses that we have, so, like, health insurance, roof over our head, groceries, that sort of stuff, that is all 100% taken care of. Then why is last month 1,000 hours more than we brought in? So the mandatory expenses are covered. The extra stuff is the stuff that's kind of fucking us. Are you okay with that? 1,000 hours more than is coming in being spent? 800.

Yeah. You're okay with that? Yeah, I'm okay with it. What the did you attach yourself to, dude? She is very- It sounds like from what you were saying earlier, you want to change. I vibe with that. I didn't like the answers you were given because they felt like cop-outs. However, I do feel that you want to change.

How are you guys going to stay together with that mindset? Because that mindset is beyond conflicting with what you want to do. Sometimes it can be a struggle to do this stuff because she's very happy-minded and go-lucky with the attitude and stuff, and I tend to be more looking on the negative side of the aspect. It's not just negative. You want to change, but she's okay with spending 1,000 hours than you guys make. She's literally okay with that. How can you guys ever vibe on money? Ever. Yeah.

I'm okay with it, but I also do want to change very much. How do you balance? That doesn't make any sense. How can you do both? How can you be okay with spending 30% more than is coming in, but you want to change? That doesn't make sense. It's hard. Like I said, she has that happy-go-lucky mindset, so...

My impression of it is she thinks everything is okay, even if we're spending 30% more because we have food on the table, we have a place to live, we have cars, medical insurance, she has her doctor's appointments and all that. But she also does know the position we're in is not okay, having to balance transfer credit cards and all that sort of stuff. I just think she's trying to look on the brighter side of it and say it's okay because we still have a place to live and we have food on the table.

All right, if you want your Hammer Financial Score and want to see where you stand in the world of finances, go to calebhammer.com or click the link in the description below. And make sure you take advantage of our budgeting apps so you don't end up like them. And if you sign up for the annual version, I will sign our cookbook that you can't purchase or get anywhere, and I'll mail it directly to you. So make sure you download the budgeting app today also in the description. Come on the show, calebhammer.com slash apply here in Austin, Texas. We'd be happy to have you. Okay. Okay.

Oh, you've been waiting for it your entire life. The dude's about to f***ing come. We're about to talk about Discover. The numbers are bad, but I like to look at them. He loves to look at how bad they get. It's his little kink, okay. I didn't know they were that bad. What's his kink? I can tell he's a freak. He likes getting pegged, doesn't he? No. You guys sister? Is that what you were just telling me? No, I'm vanilla. I don't think he'd believe me.

Okay, $9,336 on this discovery card. What the fuck is that? With purchases, only the minimum monthly payment being made, and then interest of $34.64 being made. How long does this take to pay off? You might know. So how long does this take to pay off if you only do the minimum monthly payments without purchasing, which, by the way, isn't capable in your household because you're okay with spending 30% more than you make? Go ahead. How long does this take to pay off only doing minimum monthly payments, no purchases?

Maybe a year or two. That's interesting. 26 years. 26 years? Yeah, before we go to Zambia. Yeah. Zambia. Oh, well, I thought it was like one to two years. No, it's just the middle. 26 years. Yeah, maybe don't spend 30% more than you make. Damn. Because that was a balance transfer from Amex. That's why sometimes it's worth working on the weekend, even when we're tired. Not that we want to. Not that we want other people to. I don't want people to conflate that wrong.

But sometimes, look where it puts us. 26 years. And the longer we put that off by making less and spending more, the longer that goes. That gets to 30 years before you know it. That gets to 35 years before you know it. That gets to your deathbed before you know it.

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let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just

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Minimum monthly payment $187, which, by the way, that minimum monthly payment alone stacked on what I'm guessing is even more similar ones for your income situation is a disgusting minimum monthly payment. The bright side of that was it's still interest-free for... What? No interest is being charged, $34.64. That's a balance transfer on HerDiscover. So that should still be interest-free for... Hold on, one second.

No, no, no, buddy. First of all, that is 4%. So it's not interest-free. You are 4% on 9,222. But then, yes, of $232, you are facing nearly 18%. So, no, there is still interest happening. 4% is not the end of the world, but it is still brutal. That is 4% on a large number, making your minimum monthly payment higher on an income that can barely afford it. And why are we balance transferring like that? Interest.

The interest. Now, what happens a lot psychologically, of course, we know people balance transfer. They think they've made the progress, so they don't do anything more. And it is being suggested in your overall behavior that that potentially is mentally what you guys thought because you did not make more than a minimum monthly payment. So you guys let your foot off the gas when you do something like this. Well, for that card in particular, we've only been making the minimum monthly payments because we've been paying off other cards. We'll see. I'll go through the debt.

That better be the case and I hope that's the case. I paid off one card in a personal student loan. I mean, they're telling me you're about to buy a new f*cking fan. A fan? Yeah. Yeah. What kind of fan? Like a $20 fan? Like a cheap room fan, yeah. We want to get like a nice fan because... So that you can use the balcony? Because our AC is so expensive for our electric bill because our big patio door that we have is sealed horribly.

So it constantly runs the AC. You can kind of fix that handyman style, though. Well, so the building is super old, so all of the stuff, like the rubber around the door, is all off, and the building's not going to replace that unless they have to replace the whole patio door, and they will not replace the whole patio door. So we have, for the summer, we have big, or for the winter, we have big... And this was your everyday spending card? Yeah.

historically the annexes oh the one that you transferred into this yeah why do you have an everyday spending card a credit card you guys are not credit card people you don't know how to manage that to save your life you put one-time purchases that never happen again for the rest of your life over these because no one ever buys more than one couch yeah um so like even

Even with the fan, like our electric bill, just trying to get that high. We have big plastic tarps over our windows right now. Okay, with the $20 fan, that's not the big issue for me. It's just like it's the behavior that got us here in the first place that we're certainly not fixing because we spent $800 more than came in. Last month, $450 of that should have been for her passport, which is like... $450 out of $800? We're talking about half. Come on. What are we doing? Yeah. Shouldn't be going out to eat literally once if we're in our negative. If we're in the red, we're not going out to eat once.

I don't give a sh and that's a big problem that we have is like, I, she sometimes doesn't want to cook and I am a, not a choice. You don't have a job. I don't give a, cause that's not like traditional values or anything. I don't give a, you don't have a job. That's your job. Cause you guys can't afford anything. That's just math. Yeah. And so to go out to like sheets or dairy queen or no, why, why, why the is that even a choice? Why is that a choice? Why do you feel like you aren't, you don't get to participate in the, the, the, the, the making progress.

Because I hate cooking. I don't give a f***. He probably hates working his extra job. Yeah, but I hate cooking. I don't give a f***. He probably hates working his extra job. Can we say something that wasn't just copy and pasted? Do it! Just do it! Just like you didn't want to do the thing that was required at your last job when it was your job, maybe you just have to do it. Why don't you meal prep a couple times a week so you just warm it up?

so it's not a fresh cook every single time yeah but we both do not like leftovers i don't care what you guys like stop using this word like i don't give a you do you guys realize that your debt is getting worse you can lose your roof over your head if you can't pay rent and when your debt gets worse your minimum payments go higher which means oh at some point we might not be able to pay our rent that roof over here that precious roof that we really like yeah so i don't give a about i like

Or don't like. I like the roof over your head. I like survival. Can we choose that, please? Can we choose any inkling of responsibility? You guys are in your upper to mid-twenties. Mid to uppers.

You can act like adults, I promise. I can try, but I don't know if I could actually do it. What the f*** are you doing here, dude? Was this a desperate attempt at marriage? No. What are we trying to do? No. She's okay with spending more money. I'm sorry, I'm being rude, but I don't give a f***. She's okay with spending more money. You're not. You're willing to sacrifice by going and working your ass off. She's not willing to literally cook a meal.

What are we doing? How do you guys like vibe and last together? There's behaviors that have to change on both four parts. And those are behaviors that has to change. I have to work more. She has to maybe like step up a little bit when it comes to household stuff. But you're at least applying for jobs. She's not making the steps towards stepping up.

Yeah, like these are things that, you know, we have to work on in our relationship and stuff. And I think this is kind of— Be honest with me. Not just—not like—don't mince your words just because it's right here. Do you feel any kind of resentment here? No. Really? I love her very, very much. There's no resentment. There's nothing. There is no—no part of the fact that she's not willing to sacrifice, but you're willing to sacrifice everything. I don't use the word resentment. There are times that, you know, I wish she would cook sometimes, but never do I resent her in any way. Okay. Yeah.

Like, if I ever felt any sort of resentment towards her, I don't think I would have ever married her. I don't know. You guys married after a year. We did. I think we were both kind of at that stage in our lives where we realized, you know, we were perfect for each other. So that's why we got married. We vibe very, very well together. Our finances, you know, horrible. How were we perfect for each other?

are sure we weren't perfect for the situation no situation um i was looking for girlfriend she wasn't looking for anybody um but well were you looking to stay no you were gonna go back to zambia zambia yeah

My plan was to go back home. I got all a couple of his ideas. Yeah, she was fully set on going back home. And then we ended up dating and realized we both have the same goals in life. Don't want kids. It's a cool flag. And all that sort of stuff. So I think we kind of just hit off based on what our future expectations were. You sure you guys want to live there? Yeah. Where she lives. She lives in the capital city. So it's very nice. I get it. It's just in that...

Like equator belt. Yeah. The copper that is just like so hard to develop because of just so many natural problems that aren't even people's faults. So it's like the, and no, like no deep water ports, endless diseases, very hard to tame nature there. And this is like, is that where we, if we get to choose to live somewhere that we're choosing, it's not an African thing. Okay. It was South and North, but that middle part, that's just rough.

- That's just rough nature wise. - The rough thing about it is where, big reason why we're not going over now is because they have load shedding, so they shut off your electricity for part of the day like every day. - That's where I wanna live. - And their internet is absolutely atrocious. - And I know you're addicted to that, so that's like... - Yeah, but the quality of life there is so much better than here. - And cheaper. Like once you buy a house there... - In which way? - So many ways. - If you buy a house over there, it's yours forever. There's no property tax. If you don't pay your utilities, it doesn't matter. That house is yours until you die.

There's no utilities to pay for sometimes. They turn them off. Oh, well, you still pay for them. I mean, you still pay for them, yeah, but they turn them off. But it's much cheaper. I'm paying for things I don't get. But everything over there is much cheaper. Yeah, it's much cheaper. And it's for a reason. It's because you also don't, like, make any. Yeah, and they don't have credit, like, a credit system over there. So there's no, like, mortgages or credit cards. It's if you want a car or a house, you pay. How much is a house? You can get a house, like, U.S. dollars anywhere between, like,

20 for something like kind of... This is why you don't need a loan for it. Or they have houses that go up to like 300,000, 400,000 US that are like giant mansions over there. I'm sure you can find a loan for it. Yeah, probably. But I don't really know the market. I don't think we have loans for homes. There are no loans for homes at all. You're literally saying no one could find a loan for a home in Zambia. Well, last time I was there, there was nothing like that.

Could be new. It's been a couple years. But like cars over there, like you buy your car full cash, no interest payments. How much is a car?

About maybe $5,000. Okay. See, this makes it sound like we're going to get a new car here. We're talking $40,000, $50,000. Oh, yeah. It's a different situation. And yes, you can borrow to buy a home in Zambia. Several financial institutions offer various mortgage products tailored to different needs, including purchasing, building, or renovating a home. Zambia National Building Society. Zambian Home Loans. Zambian Static Bank Zambia. Asaba Bank Zambia. Zambian National Commercial Bank.

Yeah, but I have never heard it. I get what you're saying. Yeah. I get what you're saying. I get what you're saying. There's a reason. When people brag about why something is so cheap, there's a reason. Yeah. And you also, it's the cost of living. When everything's very expensive in the Bay Area, you also make significantly more. Yeah. Do it. If you guys want to. I'm certainly not against it. Yeah, I'm fully in. I'm not against it.

Obviously, you have to repay stuff off because making a Zambian salary over there is not going to pay student loans. Well, yeah, that's why. And we have $70,000 to pay off, but no behavioral change. But a lot of the compromise that we would get from living over there, I'd be perfectly happy with. I bet you there will be some once-in-a-lifetime purchases once you move there.

Blue cash every day. What's going on with this card? So that's our everyday spender. I opened that maybe three years ago and then put her on as an authorized user after we got married. So that's kind of what we spend up until a month ago when we got a Sam's Club card. Spend groceries on, gas on. You paid last month's off.

We're at $1,079. Is this always paid off? Not always, but the balance on that one, I usually put well over the minimum on that. I usually put $400 a month towards that. Well, that wouldn't pay it off. We're at $1,079.99. Let's just put the minimum monthly payment for budgeting purposes, $40. Okay. Four years just to pay that off, by the way, if you only do minimums. Wendy's. Spotify.

Aren't you going to miss Wendy's? I will miss Wendy's. That's where our first thing was. Wings Stop. Aren't you going to miss Wings Stop? No. Raising Cane's. Aren't you going to miss Raising Cane's? I will. Sheetz. Sheetz. Hulu. Dairy Queen. It's like we just can't be – when we're literally under on a monthly basis –

Or even if we're breaking even, but this month we have a big passport thing, right? Then you have to cut on this stuff. That is just what an adult does. That is what someone who is sacrificing doing. And guess what? Your sacrifice of having to work more is now because you refuse to sacrifice and cut your spending before. And you've gotten yourself in debt where your minimum monthly payments are higher. You are now forcing yourself. Like you could have maybe worked an extra, you know, five, ten hours a week to break even.

before, but then you chose to spend way more than you made. So now you're forcing yourself to work an extra 20, 30 hours a week. And that is no longer a sympathy. Oh, I'm sorry you have to do that because you chose to do that now. You chose to make the spending that has boosted these minimum payments to where you no longer have a choice. Are there any big expenses coming up too like

That passport? So, she just had in the past two weeks four fillings. We do have dental insurance. Good, but usually that isn't great. It only covers 50%-ish, I think. So, for her four fillings out of pocket, that was about $400. And then she has this

Two of her wisdom teeth coming out at the end of next month. How much is that going to cost? So they gave us the bill before insurance because they don't know what insurance is going to cover. It's $1,400 before insurance. So usually they said insurance covers maybe a little over half, 65%-ish. So maybe around $500 to $700 depending on what they cover. And then if she's had dental work...

14-ish fillings over the past year and a half. Oh my... Yeah. And... That's crazy. That was before we had insurance. So that was all out of pocket, which was probably around... How much did that cost? Four grand total. And that was care credit, credit card. That was all interest-free for 12 months that we paid off. So that's all paid off. But it was still $4,000 for all of our dental work. Because they don't... How we do in America, go to the dentist every six months, they don't. They go when their teeth hurt. So...

Her teeth never hurt. Zambians. Zambians. Yeah, plus I also don't like going to dentists at all. Well, no one likes to. Yeah, but hopefully after these teeth are done, I mean, half of her teeth are filled, so she should be okay. Okay, teeth are not one-time purchases. I don't know if you know this, but they also exist for the rest of her life. Until you pull them out. So, no, that's not how that's going to work.

More work will be done in the future. If you both want to keep all your teeth. I think the big reason why she got a lot of the dental work done at the beginning was because she never really saw a dentist over in Zambia because her teeth never hurt. When we started going every six months here, they went, oh my God, like you have teeth.

So many calories. I'm sure you had a lot more sugar when you came here. Yeah. It just comes in our diet. Yeah, so hopefully now with her seeing the dentist every six months and she's taking care of her teeth much, much better, that may be only one filling every now and then rather than eight, nine, ten. So hopefully much, much cheaper.

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Again, couples massages. This is like you guys are spending so much money when one is not working and the other one makes peanuts. You guys are living a lifestyle that you're not even close to. And it is putting you in such a bad place. And so I really don't care. Like, live wherever. I'm cheeky. I make jokes. Whatever. It doesn't matter. But it's like you guys are living the bougie lifestyle. Like...

How's that going to translate to over there? It's like, I'm very curious to see the kind of lifestyle you guys live over there. But either way, you're never paying off the debt and saving up the money that you want to live. Make it over there. If you got a million bucks saved up, compound interest and all that good stuff, by the time you get there, you could live like kings, right? But it's like, you're never going to get there if you're living a $120,000 lifestyle like you guys refuse not to do, essentially, off of $20,000, $30,000 a year income.

So, I don't know how we're ever going to get to that Zambian point. So, like, Bougie and Zambian even making $20,000 here is rich for a... I get that. But it's the lifestyle. Like, do you have access to all that stuff over there that you like to do? In either way. Okay, great. So, that's if a coup doesn't happen. That's true.

I'm just saying if you're living the $120,000 a year lifestyle now while making $30,000, how are you ever going to pay off this debt and save up the amount of money that you want to have to live over there so you don't have to make that median salary or whatever? I looked up their GDP per capita, not even the median salary, but let's say you make $1,000 a month. You want to save up more money to live that higher lifestyle there. How do you get there if you're living off $120,000 now?

- Yeah, so I think this shows kind of the big kick in that both of us need to like,

essentially change everything that we're doing with how we're spending money. Like, obviously, I'm going to need to work more whenever she gets to work. Like, overtime, if they allow it. So, like, I think this is the big kick in the ass we need to get that debt away. And then we can save up for a couple of years and then we could be perfectly fine living over there. It's not a guarantee that we go over there in, like, five years or ten years or twenty years or whatever. Um...

And we'll just get to it whenever that comes around. But we do need to pay off this debt first. Like, that is number one priority to us. With a master's degree, with a lot of experience in Zambia, you can make about $3,000 as a math teacher. But if you go private, you can get $5,000, Aaron. Okay. U.S. or kwacha? U.S. money or kwacha? U.S. That's our currency. Okay. That's good. For kwacha, you can go up to $106,000, $820,000 kwachas. Okay.

Because what did you make over there when you were working logistics? 10K. Yeah, it was like 800 US a month. Yeah. And that was like good salary for them. Yay. Let's do that again. Okay, city double cash. And I love this card. I use this card, but you guys are not credit card people.

And the last one, yeah, you're right. You paid off the last balance, but you did have interest accruing this year showing that you do not always pay off the balance, meaning you're not credit card people. Tell me these credit cards. It doesn't make sense. It takes 11 years to pay off this card. You're only making minimums to payment. It looks like it's at a 0% period right now, but $3,092.50 is your minimum. Oh, is your balance with a minimum to payment of $41. 11 years to pay off, but

interest kicks in in a year. No, less than a year. It's like nine months. Yeah. Yeah, that one I think we transferred over in December. That was from the MX. So it's transfers to transfer are transfers to transfer. Yeah. It's like, again, if we're transferring to transfer, you never get out of that and never save up the stockpile, the arsenal that you need to get over there. My thought process for transferring, balance transferring these was if we kept that whole balance on the MX card, being that that's at like a 27% interest rate,

We wouldn't be able to make those minimums. I get that, but again, you're only making the minimums and you're never going to be able to go find Kony, okay? Yeah. It's... Yeah, my thought process was do that, make the minimums until she can hopefully get her work permit and then we can try and hammer down on those since I would like to pay the credit cards off first before like student loans or anything because they're the highest interest rate. I get that, but you just deferred it, deferred it, deferred it. It's the can down the road. Yeah.

I really get that. And I haven't seen a card that we're making that like, okay, so we're putting all our energy. Because even still on that one card where you paid off the balance, but you don't always, and you're certainly not this next month, you're still spending on it, which is not hyper-focused, you know? Do you think it would have been a better use to keep all of those balances on one card?

Or do you think what we did? It's less about that. It's about what you do after what you did. Yeah. It's not, you're not doing the hyper focus. You're doing the foot off the gas that a lot of people fear. Like Dave Ramsey is super against credit card transfers and is against consolidation. I'm not. Yeah. But with stipulation, not to do what you're doing, which is where you don't bring that intensity to it. When you see interest going away and being hit from it, you bring that intensity and that's why people like Dave are against it. Yeah. Yeah.

So it's just, it's the what you do after and what you're doing after. I think it was my thought process at the time was to have that be on like no interest or that 4% interest on that discover one. I understand that. Just to give us a little bit of more leeway to try and pay some stuff off, but we don't have the money to pay the stuff off. That's the struggle. Because you still spend money. Yeah. We saw the spending. And apparently you collect sports cards, so there's even more spending. Don't spend money on them though.

Wait, you like find them under a dumpster? I had a bunch of old sports cards from when I was a kid. Okay, I'm literally being told you've spent thousands and thousands on them, so I don't know what you're talking about. I got cards graded that I want to sell. And you have not spent thousands on them? Thousands? No. I spent...

To get them graded. You know the only way they get that information is if you tell them that information? Thousands? No. I spent, to get them graded, it was like... Oh, sorry. Never mind. I just read it wrong. They said you have thousands and thousands. Yeah, I have cards worth... What's it worth? What's your card collection worth? So the ones that I have graded, I have a bunch of like Paul Skeens, PSA 10s. How much? If I sold them all right now on eBay, I'd probably make...

$1,500 to $2,000. So why not for the sake of our family do that? That's what I've been thinking about doing. But at the same time, I'm like the one rookie who plays for the Pirates, the local team, he's the best pitcher in the MLB. So it's like, do I sell that now or do I hold on to it because it's going to be worse? We don't need a day trade. Let's just get out of debt to meet our future goals that we want to do.

What's more important, a card, a potential day trade of it, or our family? I'm choosing our family. I'm choosing the household. That's what I'm choosing personally. Oh, and you collect too? What the f*** do you collect? Manga. Manga? What the f*** is a manga? Isn't that an anime or something, right? Yeah, it's Japanese comic books. Okay. How much? About $20 each, I think. And I have about... Oh, $30. Some of them are $30. How much?

Total? Yeah, how many? I have maybe 15 of them. Okay, it's not the worst, but it's priorities of where we're going, man. It's priorities of where we're going. Yeah, I mean, we're going to be kicking into that 22.24% interest rate.

Like that is not the life we want to live in nine months. No. And what is required to pay this off in nine months is certainly not what you're doing. You're only making the minimum of the payments. So what that balance was at? $3,092. Yeah. Nine months, you got to do $343.55 a month.

Oh, Sam's Club. Okay, we keep going. Luckily, this one's relatively small. It looks like you might pay this one off every month, so I'm not going to write it down as a debt. But right now, it's at $167.69 because you purchased $197.69.

Yeah, that one's for the Sam's Club groceries and gas that we just get there, and I do pay that one off every month. We just opened it maybe two, three months ago. Why are you opening new cards if you can't manage your other cards? I'm glad you've done this well for a few months, but your other cards are showing that you cannot do them all. In fact, you're balance transferring to get out. Yeah. To get out of the world of interest. What is suggesting that you are...

safe enough with credit cards to be able to make it. I figured with that one, we only spend that at Sam's Club. That's not a spender that we use. Which I hope for now. For now. It's three months. Look what you've done with your history. It's the history thing. I know that if I have...

Uh, little Debbie's in my house that historically I eat them. Oh, I did well for a month. I I'm okay to have them in the house now. Uh, I probably fall back into it. There are just human instincts and you guys are clearly not good with budgeting or spending or managing or credit cards, whatever it is that we're discovering along the way.

You might do well for a couple months. This is a dangerous weapon. Weapon. With that card, that card never stays in my wallet. It always stays at home unless we are going to Sam's Club. Okay. For now.

I agree with you and I believe you. Yeah. But it is based on your history that this is a ticking time bomb. And that's what I'm trying to not do with this one is do any of that stuff because I know it's a ticking time bomb. And so that's why I leave it at home and I never want to spend any money on it other than just for our grocery. Is this a second discoverer? Yeah, that's my personal discoverer. Oh, for fuck's sake. Okay, also paid off for

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per month yeah yeah that one that's the one that we really hammered down on over the past maybe year year and a half um i had a balance on that one of maybe like four thousand that we just paid off but even the spending on this is i mean it's open ai and uh microsoft ultimate it's like and we can kind of cut that yeah microsoft ultimate is my game pass for my xbox the chat gpt is what i help uh it helps me make lesson plans for school and for my homework and stuff future is your children's education ladies and gentlemen

I'm just saying, the more and more and more we can cut out, the better. Because you are not making enough to survive. You're a substitute teacher. Come on. Yeah.

Come on. It's stepping stone. Hopefully that stepping stone is done by the end of this year. Which I'm down for. It's just like, I don't think you need this right now. I can agree to that. Honestly, I'm going to go Dave Ramsey about it, so let me get the hands and the armpits. You know, you shouldn't even have enough time to be playing your Xbox with how much you're working to get out of debt. Yeah.

Okay. And honestly, there's a part of that that is true with you in this situation. It's a situational thing. Do I want you to do that forever? No, no one would suggest. People think I'm mean. I can't spend money. Okay. They're little pussies. The fact is, I want you to actually live a better life. And sometimes you got to make a little bit of a sacrifice in order to do that.

Just sacrifice. Okay. Temporarily. So we can get to the goal. You guys have a 20 year goal. That's awesome. A lot of people don't have a 20 year goal on this show. So let's take that and do what is necessary to get there. And right now it is kind of something hardcore that is working our ass off and it's cutting the unnecessaries. Even though you pay it off every month, it is still money that you have to put towards the card that could be going towards the rest of your debt. Affirm. Oh, that's dangerous, especially for you. Yeah.

Yeah, that's our mattress. What the f*** are we even buying? Mattress and there was her phone. You could have cheapified the mattress and the phone. You do not need an iPhone. It sucks. It's horrible. Yeah, my old phone was also not working. It's a 16. Oh, dude, just get an SCE.

It's cheaper. Okay, affirm me. Are any of them interest? No, no interest. Thank fuck. What's your minimum monthly on all this? Looks like $41.42. Yeah, $41.42 for the phone and the mattress is about $69.70. Okay, so we're looking at $100.

$11.12 on a monthly basis, and we owe $1,673.46. Yeah, Nectar. I got Nectar. Nectar's a good bet. You did not need that. When we're dying, when one's unemployed and the other one's making pennies, we don't get the nice mattress, and I love my Nectar, okay? You don't need it. We don't need a brand new iPhone.

Well, these are priorities in life. Well, what we kind of did need the bed because the bed that we had was like two twin beds. You did not need a bed that is you did not need a bed that is literally more in value than the GDP per capita of your homeland.

That is not what we need to do to survive. When I moved down here, I slept on an air mattress, survived for six months, we'll pay it off debt. Then when I did upgrade, I got a $300 mattress. There are so many options between sleeping on the floor and getting a near $2,000 mattress. There are options. And this is what we do when we want to live a better life. This is what we do when we don't make much money. I'm sorry, you don't get to live the life of the rich and famous when you don't make money.

The literal median household income in the United States, which is close to like $65,000, you make less than half of that. So I don't give a f***. You're not getting a nice mattress. Wah! Also, less than half. We do make more than less than half. I make about $45,000 a year. $45,000 a year?

substitute teaching brings in about 35 plus i make close to 10 with cvs you're extra okay yeah it's that extra that keeps because it's still not wonderful but because i don't think you're making 35 with your substitute teacher with your with what you make working full-time net well i'm thinking net right i'm thinking that is like that's it with no time off is 33 yeah and i you have a lot of time off i'm guessing you're closer to like 22 uh i've only taken off

No, no. Three days this year. The months. Oh. The teaching income. Yeah. The summer break, the winter break, the spring break. Look, you work six days this month. But 175 times, we have 180 days of school. And I've only missed, this is my fourth day of school that I've missed this week. So I've been there. 180 times 175. 175, but that's not 175 now. That's probably 140 times 88, you said? 180. 180 years, sorry. Yeah, 180 days.

Okay, it's probably closer. Like I said, 25. I said 22, 25. Okay. Yeah, because they take out a decent chunk for... So it's probably even less. It probably is closer to 22. It's called PESER. They take it out. It's the Pennsylvania State Education Retirement Service. There it is. At some point, you'll get it. Hopefully, it's being invested well and they don't...

I think they take four and then I put in an additional three or four. Is it a pension or do you get to control what it's going in? The one that I'm in now is a pension because they have a bunch of different categories of it, but you can't get in those other categories. Pensions in the United States sucks. They invest like pussies. Yeah. It's not like the Canadian teacher. The Ontario teacher fund? Woo! They own like 5% of the world. Yeah. So,

So, like, the Peasers thing, and they call it Peasers, but, like, I put 4% in, I think they take 4% out. So, it's, like, a decent chunk of my check that comes out. It just usually doesn't return what you'd want to see in your own investments. That first 4% is mandatory, like, they take it out for anybody. And that second 4% is, like, voluntary, but they kind of default that as your...

So I could take that out, but you can only do that once a year. So I can't get into the actual teacher pension, like the good stuff, until I'm salaried. Well, you'll get there. Yeah. That's not my biggest concern. My concern is I see this fucking bullshit. No statements for these, but these are numbers. Okay, I see car lease one, $789. Is that what's left? Yes, that's what's left. That is my car. I have two months left. What are you going to do in two months? What's the buyout? $13,500. $13,500.

Just $1,300? $13,500. But the car is worth about $17,000 to $17,500. But we also don't need two cars right now.

So what are you going to do? My thought process, and I have to talk to my brother-in-law because he sells the cars. Really? He knows more about this than I do. Oh, but he's not the guy who did it. We bought the cars off of him. Oh, okay. But he doesn't work there anymore, but he has friends that work there. Since my car value is more than my residual, buy out the car and immediately sell it. Make two, three grand off of it, whoever wants to buy it.

I know. I would talk to him. I would talk to him. I'd really try to get him to assess it. I'd really try to get him to assess it. I'm down. I am down for it if it actually works. And I want you to be very careful about it. Over three years, I only have $14,500. And then just use the one car? Yeah, because she's not working. Okay, so I'm going to cross that off for now. That minimum repayment will be gone in a couple months. What is the minimum for now? Oh.

On that one, it's $260. For the next two months? $263. Okay. For probably, okay, the next few months. Okay. Carly's too. This one's bigger. We have a remaining $5,760. Not terrified about the balance. It's not, but okay. What's the minimum monthly and for how much longer? $319 and some change and it's for another 18 months. $319.50 we'll call it. How many more? 18. We're like halfway through these. Okay.

How are we doing with mileage and everything on these? Super low. Which is why we only need one car. Yeah, mine that's about to be up in two months, I have just over 14,000 miles on it. So I'm under half of what they expected. So that's why mine's worth a little bit more. And on hers, she's at about 11,500, which is under what she should be for this time in the lease range.

Well, that part's good. And you haven't fucked anything up? No. Good. So let's use this one car. But when we're using one car, our mileage will be a little higher. But I'm not terrified with what you guys do. Yeah, because my workplace is only a mile away. Yeah, you go home and then you goon permanently for the evening. Hold on. I goon you. I don't know what you do. She games. Marvel Rivals. Right. Yep. Gotta buy the skins. Okay. So $319 a month on that forever. Now, this one's disgusting. Student loans.

I see a couple different things. I saw a different number in here than here. How much in student loans do we have? For her name, she has about 21. Oh, because you went to school here. Yeah. Why'd you go to school here? Because my sisters were here and they said it's amazing, so I came. Yeah, it's fun. She was going to take an American degree and go back home, and an American degree is worth much more over there. Yeah, but how much more do you get?

To put in $40,000, what do you get? How long does it take back to earn that extra $40,000 versus not having an American degree and having a Zambian degree? A long time. Exactly. Yeah. There's a truthful answer. I like that. Okay. So how much for her? About $21,000. She has a loan for $16,000 and a loan for about $5,000. What's the minimum? $129,000 and some change.

and then about 60 or 70 on the other one. We pay, I think it's about 190 total.

Yeah. And then you, what's going on? Um, Joe. Uh, so my mom has loans that she took out like parent plus that are in her name. Okay. But that's not a year. So we're not too terribly worried about them. I get you probably want to pay back and I'm down for it. Uh, but let's worry about like what's in your name. Uh, so just in my name, I just paid off a discover one that was 5,000, uh, student loan or private student loan discover.

I had to get one for my last semester of my bachelor's degree because... So are the rest federal now? Yes, everything else is... What? How much? I want to say maybe around $35,000 to $40,000 just in my name, and there's about $40,000 in my mom's name. Okay, how much for your $40,000 is your minimum monthly? Zero right now because I'm in school. Right. Yep, and that's okay. That's okay. That's good. And so I'm in school. I'm taking one class in the fall that goes along with my student teaching. Student teaching should end in about... You have to borrow more.

I have, so they gave me that money already. It's sitting in my account. So I'll just use that account to pay. So if I see that, it's not going to count. Yeah. So where is that in here? And how much? Where's the cash? That money, yeah. That money is in my personal savings account. Okay, so we'll see with that. So this is, is that it for debt? I think that's it for debt. Is that it for debt? Yeah, that is it. Okay. Citizens. Okay. So in here...

I see 6,243. What is this? What's up with this account? What's going on? So that account, that's the one that has the most in it, right? That will be our joint account. So that's what we use to pay our rent, pay our car. And none of this is for the school? No. Okay. Okay.

It's a good balance. Why isn't any of that going towards debt? So I'm worried with over the summer, if one of these jobs don't hire me, that I kind of need that as a backup fund just to pay those bills. That's true. Yeah. So I don't want to spend all that money and then we end up having no money and then no place to live. $1,690 in this one. It's just money back and forth between things. Yeah. So that is my personal account. I get paid into that. My paychecks come and then I just transfer them on our bank's app to the joint account.

Then 1,988 in this. What's this? That is the student loan money. That's it? That's all it's going to take to make it zero? One class. And that's what I want to talk about too with that student loan thing at the end. Student teaching. Sometimes paid, sometimes unpaid. Don't know yet. Okay. Well, hopefully yours. You're going to be working your ass off outside of school hours. Yeah. PA started a $10,000 grant last year that I applied for within like the 10 minutes they opened this year. They're waiting for more people to sign up. And if I get picked, it's $10,000 over three months.

And if I don't get picked, I have to work for 40 hours a week for free. Yep. And then you're going to work 40 hours a week outside of work making money so you can survive. But luckily I signed up enough for it. And yes, he's going to probably without a break because he's a big boy who's going to do a little bit of a sacrifice and maybe you should too. We have a very heavy work culture here. Yeah. Yeah, I've noticed. But it's for a good reason because if you want to spend like crazy, you have to earn. You don't just get to live the high life and not provide anything.

$2,784. In what? Assets? Bitcoin and Ethereum. I mean, that's... Okay. And then that's what we're having in Robinhood as well. $2,500. Just to think, I'm not against crypto. I have crypto for like 1%, 2% of my portfolio.

The thing is, just sell it for now. Just sell it for now and pay off the interest debt. Lower the risk over your head because you're headed into a summer with, I don't know the pay. We just discussed that. I'm going to go into student teaching for a semester, right? Is it a semester or a quarter? Three months, yeah. I don't know the pay. So lower the risk of the debt over the head. Let's minimize our minimum payments that we are required to have when we don't know what the pay that we're about to have is.

Okay, it's not about the crypto. It's about sell it. It looks like it's lost some value anyway, so there's no capital gains taxes that you're going to have to pay. Boom. Pay off some of the debt. What do we have in crypto total? So between those two, I want to say maybe four. There you go. Pay off city double cash.

Yeah. Because I bought into those. You've sent in double cash and most of a firm. There you go. Is it taking care of interest? No, but it's taking care of minimum payments. And it's taking care of about $151 of minimum monthly payments that you no longer have to take care of. Yeah. I bought into those right during COVID when like I had no expenses because I was still living with my parents. Which is great. And I honestly, I don't need the long-winded version. Just sell it and get, just, there's no point of having minimum monthly payments over our head when we're going into an income situation that we don't

Foley? No. Okay? Right? So you think it's worth paying the city one off even though that's no interest over the Discover with the 4%? You can put it where you need to get. I'm trying to get rid of minimum monthly payments for you right now. A little less about the interest but the minimum monthly payments when you don't know where your income is going to be coming, if any, soon. Because minimum monthly payments get scary. Interest makes the balance go up. Minimum monthly payments are required. So total income right now, well, with both of your jobs combined, what are we looking at net on a monthly basis? Again, if

Full 10 weeks or 10 days weeks. It'd be $2,800 for the school. And then $10,000 at $19,000 would be an extra $380 before tax. Okay, we'll call an extra $250. So $10,000 times $9,000. So it'd be $720 per month, $380 for paycheck. Oh, okay. $720? So we'll call an extra $600. $3,400 on a monthly basis. Debt minimum repayments, let's get that.

Not including the release that's about to be paid off because no need. Either way, that's being gone, whether I buy it out and sell it or just return it. Which I definitely, yeah. This is what you guys have done with your choices for the critical one-off purchases.

$888.62. What's your rent? $1,000 even. Okay. Utilities, including internet preferably? Internet's $50 a month. Electricity varies. In the wintertime, usually about $60. Give average gas and electric. We don't pay gas, just electric. I'll actually give you average. For the full year, maybe about $120. Okay. Because summertime's... Vroom, vroom, drive, drive, gas. Okay.

I fill up once a month, so $40 a month for me, and then she usually fills up once to twice a month. Yeah, twice a month.

Because her sisters live about 45 minutes away. So, how much? 120? Total for both of us, yeah, about 120 a month. Is car insurance per car or per individual in Pennsylvania? Per car. Okay, so what's the car insurance on that car? Because that's going to be the only car. Yeah, so right now combined, they're 212. If we get rid of her one car, it's going to be a little more than half that because they give us a discount for having two. Yeah. So maybe about 110, 120 for the one car. I'm going to call it 120. Phone bill. Phone bill.

We have mint, so we each pay $180 every... What? Three months. How many mint do you pay for? Six months. Oh, every six months. Sorry. Because they don't do a per month. You have to buy so much. We'll call it 30. Yeah.

Okay, TP fund, going to call it $150. Anything else you need to survive in life, it's makeup, blah, blah, blah. Groceries, $600. That gets you a follow-up meal plan, meal prep. I don't care if I want to. Medical health care, monthly basis. Ours is really cheap right now because we're on one income. It's about $50 for health insurance and about $30 for dental. Does that take before pay, though, or after? We go through the state. It's through penny. Okay, go ahead. Continue. How much? Through penny. Okay.

It's about $55 for healthcare for both of us. And then our dental and vision is through someone else. It's about $35. Now, what about co-pays on a monthly basis typically? Or prescriptions or anything? She will do therapy twice a month. Co-pays are $35, so $70. And then if she goes to the doctors or whatever, that's another $35. But that's usually once every two to three months. Two to three months? Wow, okay. I'll put an extra $20. Okay, so I'll call it $180.

Okay, do you have any pets? No. Good. Anything else that needs to be in the budget? Not that I can think of because everything else is kind of expendable. Well, and this is the stupid, stupid, stupid part. I get it with the passport. That is, you know, an interesting thing. But you guys make enough money to break even if you actually lived within your means, but you refuse to because I don't want to.

So I don't give a fuck at this point. This is your choice. You are choosing this. Now, some months are going to be less, but you need to go get more. You supplement that income by driving Uber East if you have to. You will do anything. I know it's not perfect. I'm not allowed. Different type of car insurance required in Pennsylvania. You will do anything that is necessary illegally to make the money, okay? You'll be selling butthole pics on the internet. That is a joke. I'm in. That is my retirement plan personally.

Uh, okay. But yeah, so you will get this income no matter what. You will work all the jobs, all the hours, all the days to do it. But you have an extra...

$141.38. Will we make substantial progress on that? No, but we can keep up and we can start making small incremental progress towards the debt. You will sell the car and hopefully you make some money. If you do pay off a car, get rid of minimum monthly payments. Okay. Boom. There we go. Maybe you can't do that. We don't know. Figure that out and be safe about it. Don't get yourself in a situation where all of a sudden you lose, you know, it gets dumb. Okay. Now, big thing.

You're right. I wouldn't pull from that checking account, but I would liquidate our crypto and I would pay off some of these debts to eliminate the minimum monthly payments, maybe the Affirm especially because it's a chunky minimum monthly payment. And then I would just start grinding down from there. I mean, even with your debt, with your money that you have towards that, you can pay off that blue cash in like eight months. Yeah.

you know, even with your current situation. So we can start eliminating some of these minimum payments. I think you guys can live the dream you want to within this 20 year thing, and you can save up enough to do it and get out of debt. But now in your current lifestyle, your current lifestyle is $120,000 a year lifestyle making 40, you know? So this is behavioral. You need a budget. You need to use the budgeting app. You get the premium version forever. Take the classes.

you know it sounds like you know some things but you guys need to take it together you need to take the budgeting one and the debt one understand the consequences of debt what's good debt what's bad debt take the budgeting class together so you guys are united on what is good and bad do this and then the investing class for what we need to do to save up for what we want to do in zambia

You guys can do this. It is literally just the basics for you guys because you make enough to break even. Not a lot of people have that on the show. You guys are in a blessed position making very low income and still having enough to make it. Okay? Even after all the mistakes we've made. So with this, you just need a budget and grind out the school thing, get into your career, then put everything we have towards this, build up a six-month emergency fund. Then we are saving and investing, and then you can live the life that you want to live.

Absolutely. Now, there's an absolutely crazy thing that we can't talk about for privacy reasons, but they agreed to talk about in the post show because it's behind the paywall and other people won't see it that they are trying to hide it from. Spending your budget, you overspend zero out of 10 debt, no collections. It's not the worst debt. It's just the income going along with it. That's not the best. Student loans are pretty brutal, though, but I'm going to give you about a two out of 10. Emergency fund, we do have a little bit. We're about a four out of 10 there. Retirement,

Pension hasn't been going for very long, has it? Two years. It'll be two full years. I'm going to say about a 2 out of 10 there because I know you don't have anything in real estate. Zero out of 10. Can't buy our $20,000 house yet.

Okay, it's going to be Hammer Financial. We're rounded up just barely. Two out of ten. Join us in the post show. This is about to get juicy. $16,000 student loans are private? She's not allowed federal loans. I can't get federal loans. Oh, for f***'s sake. Oh, my f***. Talime is an evil f***. I don't think Talime can come for me. Do you have to keep paying your student loans? No, I don't think I could. Mark Luce.

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