His Wife Chooses Pleasure Over Children | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Let's go to Hammer Court. Plaintiff dumb bitch. What is going on? There's a lot of purchases being made under the guise of for the business. I want to figure out how to bring our, like, debt down so I can afford the car I want. Going to debt to get a car? I mean, some debt. I'm trying to help you get out of debt to get in debt. You gotta spend money to make money. Instead of actually trying to clean up your situation, you ain't got a...

Two? Both of them are massive mistakes. I will give them in. So this is marriage. 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 Valentina and I'm 25 years old. Hi, my name is Julio. I am 23. We live in Palm Beach, Florida. And this is Financial Audit.

Thanks for coming in from Paul Beach, guys. Oh, Valentina, you're in front of me, so let's start with you. What do you do for a living? I am a stay-at-home mom and a part-time crochet artist. Okay, so we're married? Yes. Okay, because these days, you know, sometimes we have people not married, some people divorce. Lots of interesting couples. So how long have we been married? I think you just said. Did you not just say? A little over three years. Three years and the kids. How old are they? One. He's two and a half. So just one kid? Just the one kid. Okay.

Good. So Walt, there's a kid in this picture, which immediately means any of the behavior you're making is likely selfish and upsetting. But okay. And you, what do you do for a living since she does not make money? I make the money. I am a plumber. I work in doo-doo and clean. Well, sure. And what does that make? Oh, I make $25 an hour.

How many hours a week are you working? Is this enough to sustain one house? I mean, trades can be good, but, I mean, 40 hours a week. I make a solid 40, yeah. 52, I mean, 52,000 hours a year. Palm Beach, not cheap. Not at all. Not at all. We don't just live by ourselves. We stay with a... We live with my mom. We live in a very nice big house with family. Oh.

Three years into marriage, have a kid, and we're living with mom? Yes. Okay, so you're really not being breadwinner, man-of-the-house type Tradway if wife is staying home in Tradway if we're not being able to pay the bills living with mommy.

Okay. Listen, listen. We live with my mom and my brother, and it's because they got kicked out of their apartment while we were getting kicked out of our house, and we decided it would be cheaper. Why is everyone getting kicked out of our houses? We lived in a house owned by a church, okay, and they wanted their pastor to move in after we spent a bunch of money trying to fix the house. Why would you spend money fixing a rental? Because it was filled with rats and roaches, and I didn't want to live there. It doesn't make sense. You leave. You report it to the city. I would leave.

love to do. We were not in the position. We had just gotten married. It was $500 a month. You never put money making someone else's property better. It was supposed to be temporary. But the money you spent wasn't temporary. It was permanent spend. Most of it was my dad's money. We did get months off of some rent payments. We fixed the house in exchange for free rent. What timeline did they give you before you were gone?

It wasn't very official. No, they told us they wanted to move their pastor in by June. And we left in like April. And they told you when? In like March. Okay, so that's a decent amount of time. We were like getting kicked out. Okay, and then why did your parents get kicked out? So my mom and my brother live together in an apartment. How old's your brother? 33. He's autistic. Okay.

But he's the breadwinner of them two. So his autism is not... They're a pairing. No, they're a pair, yeah. Yeah, but if he's out making a killing... Well, no, he works from home. Like, he's entirely at home online. But he can live alone.

He's working and making the money. They coexist. So the tism runs hard. It flows strong. He's great. Well, I didn't say autistic people are bad. Did I just say this? No. My lawyer tells me I'm severely autistic all the time. No medical diagnosis. I'm just...

But... But they have coexisted in a way that, like, they're not going to leave each other. Because it just works. It works for them. He brings in the money. You know, she's retired. That's fine. That's fine. So they're... Why the fuck are you guys living with them three years into marriage? Have a kid. Listen, I'm getting there. All right? My mom is leaving because her landlord wanted to move the daughter into their apartment. So...

We all needed to find somewhere to live. I had a seven-month-old at the time, so I was... So we've been doing this for two years. Just about, yeah. It's more of a roommate situation than I live with my mom. But you live with your mom. Yes, we live with my mom. And that's not necessarily a bad thing. In many cultures, there's lots of family living communal, but in our culture, it is a little more expected that you're out there. And also...

there is a little bit less of a sense of independence in this country, specifically when we're living with mommy. But in this day and age, especially in Palm Beach, how are you going to house a man who can be able to live? One, you choose to live in Palm Beach. Florida has a lot of cities. Two...

You go and work more if she's not working. Right. Three, we're almost to the point where we can get some kind of city-funded preschool-type situation. That's the plan. And then we go make some more money on this end if we don't want to trad it up. Yeah, that is the plan. But you don't have to. We're waiting until he's in preschool. He's not at that right age to be able to do that yet. Well, how many hours a week are you working? I'm working 40. Okay, you could be working 60. Plus 40 plus.

could be, but my job. If we really wanted to, but if we're going to use that in this day and age. But like, I'm trying to get on call. They're not giving me. So we could have a job.

We get a second job. I don't have. It's all easier said than done, of course, but these are things we can do, especially if this has been two years and the excuse we use. Well, I ain't got no, it's in this day and age. I ain't got no college. No, no, nothing going on. I guess if you're speaking like that, I can confirm. I mean, it works for us. I love like living with my mom. Like we coexist very well. Um,

Again, I'm not against it, guys. I'm just saying. There's no plans to move out because we like where we are. Not any time soon, even if we could. Okay, well, how do you feel about this independently if she was not being able to hear you?

I mean, because you're living with her mom. We've already lived. You're living with your mother-in-law. Right. That's a little different than someone living with their mom. We already lived on our own. We lived on our own with our son and it was great. But like you just heard, things happened and money-wise it happened.

How do you feel about that, regardless of the money? Because she said regardless of the money, she would stay. This is your mother-in-law. Close your ears. She's not here right now. There are 100% things that I wish we weren't there for. And this is what I knew the answer would be, okay? I am not against this. But I know for a fact that dude living with his mother-in-law is a little different than the stay-at-home mom living with the child's grandpa. Even me, it's...

It's not the easiest thing in the world. Ironically enough. But it is incredibly helpful. What is your account on a monthly basis? That's a big determining factor in this. If this is something we, well, at least on your end, care about. So average $800 to $900 a week. I get paid weekly, which is super sick, by the way. And then I get a...

Yeah, probably struggling. $850 times 52, oh, what? I also get a $200 incentive every month. Every month, okay. Yeah, also pretty sick. I occasionally make money, that's about it. I do crochet markets. I make crochet things and then I sell them at markets. So occasionally making money is $5 every six months. More like $1,200 every six months.

Something like that. That is entirely what it's used for usually. I hope so, but we have that right now so I don't think it's being used successfully, I'll be honest, but okay. Well, you got to spend money to make money. You got to say it. Are you guys enabling each other's insanity? Well, you enable me.

What? What does that mean to you guys? I like buying yarn. And he lets it happen. Yeah, the...

I buy a lot of yarn. There's a lot of purchases being made under the guise of for the business. Yeah. The business that brings in $1,200 every six months, how much is spent to get that $1,200? I made $2,000 last year. How much is spent to get that? Like $200 or $300 a month. Uh-huh. Something like that. Okay, so I'm not going to count that as income. No, that's fine. Oh, no. Because it's break-even at best. True. $3,883 comes in on a normal month if we're making an average. Okay.

How does that feel? Is that right? Yes. Solid. Okay, Palm Beach, that's fun. Why do we have this thing in Palm Beach?

That's where your job is. People take shits in all other cities. I'm probably going to take one right after this if this conversation is stressful enough. I have some plumbing experience, but I'm more in a very specific specialty version of it. I can't just go to another plumbing company and say I know everything related to plumbing. I think we're figuring something else out.

I mean, yes, to be blunt about it. I mean, he's up for raises every six months. Congratulations, he makes $25 in Palm Beach. I mean, like, in a trade. Yeah, but he's doing better. There's room for movement, that's the thing. He wants to keep growing in this company. Yeah, and bottles be moving constantly. He's still making $25. How long have you been doing this? I've only been doing it for two years. Okay, okay.

$25 is not bad, but Palm Beach is just horrendously expensive. It's not good, but the... It's a situational, it's a contextual thing. Right. But the growth factor in this company is better than any other garbage company I've worked with. So it's just like, at a certain point, I don't really have any other better options. Did you go to trade school? No, not at all. Okay. Would we consider doing that? I mean, I didn't. You would get into something a bit more specialized? If you're working with your hands... Mm-hmm.

I know it's hard now because we couldn't go to zero income for the house, but it could be a worthy investment if you're helping sustain right now, she's home, she jumps back in, that allows you to back off, invest in your future career, and then boom, we go back in together, post-trade school, and we kill it.

Or you're going to push back against that because why? I mean, I don't see the money being... Like, you have to pay for trade school. You have to put all that effort into there. When I can just keep investing into my job and keep making more and more money. Because...

But I want to get you closer to like 75, 80. Right now you're at 45. Right, but I'm jumping ahead of myself, but at the same time, the room for growth is very huge. I'm vibing with that. Literally, there was a...

Like, we call them team leads. These guys are the... But you say you try to pick up extra hours and they won't let you. It's a little conflicting. It just happens. So it's more specific in the fact of, like, there's the ability to become on-call and I've been putting feelers out to try to, like, hey, can I get on that list just so, you know, I can get more hours in in general. They really haven't gotten back to me on it. But in the same way, it's like, hey...

If I end up having to work on a Friday or anything like that, or if someone comes available, I can immediately just offer myself up and go for it. Do I do that?

Why? I mean, your schedule varies so heavily, too. But you want to be the one that has looked to go up. Yeah. Why would we be doing not? I mean, it's just the opportunities don't come up as often as I would like them to. And when they do, we... Palm Beach, average hourly wage for plumber is $34. So you're substantially under that in terms of percentage-wise. Is that like an apprentice or is that like a... That's median. It goes up to 54, starting as low as 21. You're on the low.

end. As low as 21. 21.47. You're barely there. So this growth opportunity better equal, you're about to double. And West Palm Beach where it's a little lower, hourly wages range between 27 and

But cap lower, closer to like $61,000 a year, but you are about $20,000 from that, $15,000 from that. But like you take an average and you're like... Palm Beach Gardens, about $70,000. These aren't averages, these are medians. How many real world people are like a part of those averages? Not averages. You got to consider the outlines, man. These are medians, not averages. Does...

I didn't graduate college either. I dropped out to make money. Yeah. That doesn't mean I'm a moron. Right. These are medians, not averages. But. Okay. I mean, I personally don't want you leaving your job anyway. What is going on? Because rabbit holes galore. What is going on? We are here to get a car. I want a car.

I want a second car. I'm sorry, am I a dealership? I want a second car. So we're here. I want to figure out how to bring our debt down so I can afford the car I want. Okay, okay, okay. So to go into debt to get a car?

I mean, some debt. Okay, see that's the thing. Because you've got to get a car loan. I'm trying to help you get out of debt to get in debt. Well, a car loan. What are we talking about? Yeah, a car loan's a debt. Yeah, I know that. A car loan's a debt. Then why are you trying to differentiate it? It's not. The credit debt down. The credit debt down? Like my

credit cards down. So you're going to change your behavior just to get into debt, but you're not going to change your behavior in order to improve your life and actually have something sustainable for your child's future, two and a half years old, approaching the age of going into grade school, which is a very quick trip to, uh-oh, graduating. Hey, are we able to afford college at all? Oh,

all oh no i have to borrow everything to do it because mommy and daddy didn't sacrifice anything which is a quick way to child being in their mid-30s 40s oh mommy and daddy have nothing to retirement because they around their entire life they got car loans their entire life so i gotta put my life on hold and help them because they can't keep a roof over that because guess what mommy and daddy's mom is no longer alive being able to actually oh you know fund their entire lifestyle

Yeah, that's what's going to happen. My mom doesn't fund anything for us. She subsidizes your rent, you tit. Well, my brother does. What do you think that is? My brother pays his half of the rent and we pay the other half. Yeah, but they're connected. My mom does it for us. They're connected at the hip. Because without your mother, your brother would not be there according to you guys. But it's like, is it subsidized if we're all like... Yes. If we're all like living in our own spaces? I mean, it's like living with roommates. It is. Yes. Basically. And...

But it also is free childcare when needed. She's the one who has a kid right now. I'm not against that. I'm just saying it's not going to exist forever and you guys are doing nothing. Your kid's going to put their life on hold to take care of you guys when you don't have enough money for retirement because they will feel morally obligated because they are blood related and they're your child. You'll say what? This is what I'm going to say. This is what I'm going to say.

I forgot what I was going to say. We pay over half of the rent technically. We give them two grand a month. It's not subsidized. This is what I was going to say. Would you actually, you two with a child, go and get three random roommates? Of course not. Let's not compare this to just a roommate situation. This is being subsidized by your Tism brother.

And your mother. I love my brother. We love the Chisholm here. I don't want to subsidize, bro. It's like, because like, I'm not like,

Like I'm paying a very solid amount to live in my spot. Like it's not just- Do you know what subsidized means? You're not paying the total amount. I mean, for me, just the house is worth it. I love our house. We got a basement in Florida. That's rare, man. It feels Section 80. We're not Section 80, dog. I mean, we pay more than half. And I mean, we choose to live here. Okay, so I'm getting you on a debt so you can go into debt. That's the big question? Well, I mean, not necessarily. Well, kind of.

Yeah, kind of. Because I really, I rent this car. Like, this is not. What is a car? I want a Kia Carnival. It sounds like something a clown would drive. Yes. Okay. I want my Kia Carnival.

I will settle for a different minivan. But if we can afford a decent Kia car, it's massive and it's cool. To speak like you, it ain't cheap. No, it's not. No. I think even the used ones, even a decent used one is still almost $30,000, which was close to what our car was when we got it way back when we had way less money. This conversation will get better when you find out the car we have and the car that I want. Oh my God.

Okay. I don't give a fuck. What the fuck do you want? What are we talking about today? Because I'm actually... I'm not going to enable... Stupid. Well... Okay. I want to bring down my credit cards. I want to bring them down, get to a place where I have under 30% utilization and I can...

It's not even to get them to zero. It's to get the 30% utilization for a fucking credit score. Less than that. You have horrible motivations for the reason to get out of debt. You are not going to change your behavior in the long term. But I know I'm not going to get it down to zero because I'm still going to end up spending stuff for my yard. So what the fuck are we going to do then? What the fuck are we going to do if we're not even willing to get it down to zero in order to sustain the wants we have? Because we care more.

Listen, we need the car. We're going to get these cars. I mean, we need the car because I'm not driving him to work every single morning just so I can come back and take our kid to preschool and eventually with soccer practice and his friends and all that crazy stuff. The car we have, which you think works for us, we make work for us. I want a car that works for us.

So you guys have a disagreement in the car? Heavily. We have a, I forget the year, Hyundai Tucson. Oh, 2020. Okay. We have a 2020 Tucson. All right. Well, then, before we get into these finances, if this is the big thing we're going to do, I'll entertain it and let's see. Let's go to hammer court. Okay. Plaintiff dumb bitch and plaintiff minority. Okay. Who wants to speak their case first? Bad driver for clear reasons or...

Or it's because she wears glasses. Well, it doesn't help that she was the only one that's gotten into an accident with our car. We're pushing the limit on cancelability. I hydroplane. It wasn't my fault. Told you. It wasn't. It wasn't. It was brain. Read your case. Plaintiff number...

One. One? Okay. I want our minivan. I do events constantly, and to do events, my car has to be so pushed down, and we have to, you know, I end up buying more things to make it fit into our car. Constantly being like every two months or so. I have one booked every month for the next few months. Okay. Never mind. So, yeah, okay. I have one booked every month. Every month.

All right. Our car does not fit all that stuff in it. And then we damaged the car trying to shove these boxes into it. And, you know, I want a car with bigger space. We've kind of confirmed even with our biggest events that we...

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That it fits though. Because we make it fit. I don't want to have to make it fit. I want a card that fits the stuff. I want a card that fits the stuff. Rebuttal from defendant. I'm sorry. I'm trying to think of the right thing to say.

All right, defendant's either a moron or confused. Tell them what car you want. You saying we make it fit to me has never made sense if all the stuff fits inside of the car.

Because we make it fit. I've bought different display items just so it fits into the car. I'm spending more money. Come stand behind him. I want a, not necessarily a beater, but just like she gets the Tucson so she has something close to the minivan-ish and then I just take the sedan. Hello. What's going on, brother? Okay, argue for him. Give him the mic. You've heard his argument. Now plead it.

Listen, we don't need the minivan. We do, though. We don't need a $30,000 minivan. Yes, we do. Especially when everything fits perfectly fine. Because we make it fit. I have to make it smaller to make it fit. I want a car that fits all the stuff I already have. But it does.

No, I buy things to make it do. Okay, so with the stuff that you've purchased, it still works. Barely. And that's if I have low stock. If I have more stock, it barely, it doesn't fit actually. We have to leave stuff behind and do two trips. I don't want to do that when I'm traveling an hour to an event. This isn't like an every week thing though. It's not, but it could be if I had the space for it.

Our car seat doesn't even fit in our car. We have to push our seats forward to make the car seat fit. Don't start with the, he's going to turn around because I'm not turning him around until he maxes out the weight. I swear. Our car seat fits just as fine. No, it does not. We have to move the seats forward. The front seats hit the car seat. Yes, but it is still secure. It is still perfectly fine. Because we make it work for us because that's what we have. I didn't want to buy this car when we bought it.

We had to buy it because our car literally stopped driving. Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss you, Grandma. Why are you fine, sis?

No, no more sacrificing the family jewels. They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, you'd swear they were putting your first born on layaway. So if you're tired of monthly payments so high that you can't afford a single sweet treat, YRefi's got you. They'll arrange your repayment plan, ease the monthly hit,

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By the way. But just check out YRefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to Y-R-E-F-Y dot com slash hammer. That's YRefi dot com slash hammer. Or call 888-YRefi-78. That's 888-YRefi-78. And see how a real personal approach can help you escape the private loan nightmare. Because, let's be honest, living with crippling debt till you're 90 is not the retirement plan you dreamed of. I have a question. What?

I'm driving a U-Haul. I have a question for legal. Is your client, the defendant, sticking it in to pop up more babies soon? No. It doesn't sound like it, so I don't think that we need the bigger car. Okay.

That was the big question. That was the big question. Like I'm saying, if we move again for the eighth time now, we have way more stuff to where we're going to need a U-Haul no matter what. Well, even then, if we have to, what, suddenly pack up because there's a hurricane coming? I will have. No, I'm ready to make my judgment. May the court please stand.

- No. - Do I have to stand up? - Quiet now. I will have order in this here courthouse. - Girl, you're gonna get water all over you. - Quiet now! - Being aggressive. - Quiet! - Hold me in contempt. - I will do time. - This court with the defendant, she's a dumb . - Besides with me? - No, the defendant. Who do you think you are? - You pointed at me!

Listen, I mean, honestly though, it's a fair thing. I actually, I know we're being a little silly with it, but it's a fair thing. If we're not planning on having more kids soon, and if everything already fits, and if honestly you only use it a couple times here and there, this is a dumb debt to get into. But my

This is a moronic reason. This is a moronic reason. When I could just get the one I want. Because it could be cheaper. It's easier. If there's more cars available to choose between, it allows us to get a better deal, a potentially better rate, a potentially better loan. All I am saying, this is a horrible reason to get out of debt. To force ourselves to get into more debt.

Because if you go and search just a specific kind in order for something that's honestly dumb reasons, you are going to do what is ever necessary to get it. And that could be a bad interest rate, a bad term, a bad loan, a car that's not even good. What were you going to say? So you have said this before. Like we got to meet in the middle somewhere because, you know, I love you. You love me.

Always a friend. We're a happy family. Heck yeah. We can, like, what would you say, judge? I'll get a cheaper minivan if that's the case when we want to get it in a year and a half. Because we still have value in the Tucson if we were to, like, trade that in and try to just get a bigger SUV so we don't get a full-blown minivan. But you've been yelling at me about wanting to have a paid-off car. But you're going to go to Tucson.

You don't give a f***. That's how we've always done it. We pay something off, we get something else. And how's that working? Living with mom? Listen, that works for us. It works for us because you can't afford anything else because of the life you've given yourself. Because of the choices you've made. Yeah, and now you

This goes back to like... Again, with free child care, and now I don't think my mom would let us move out because she wants to stay with my son. We're kind of anchored down now. She loves my son. Tax return doesn't count that hit, but we know what your income is. It was actually lower last month at $3,598. But either way, it doesn't matter. And I'm not going to count your income because guess what? We know that it's...

Because you put more money in than you get back. So it doesn't matter how much you spent last month. Actually, no, because some of that could be for your business. So let's add up your income to it. So we know that total came in was a lot. My whole goal with my business and having credit. Quiet. $5,223.90. What?

Because we know business expenditures are included in that, so I included your business income. So $5,500 came in, what went out? Come on, household, we're married. Wait, the $5,000, does that also include the tax return spending? That's all taken out, right? I was going to say, did that include the payments with the tax return? Everything. Well, did it include the credit cards that we paid with the tax return? This is spending as in going up.

As in spending. Spending. Not making payments and tax return barely counts. You got a child tax credit. You didn't put any effort in. Was that the month I got my computer? It might be. For work? Was it for work? I'm a blue collar guy. He wanted to build his own computer. Gamer.

They're different, bro. He's a PC gamer. I don't know. That's not my world. He wanted to build his own computer for years and finally did it. That was like 15 years ago. I'm glad we did. I'm glad we saw just...

a slight, a slight ray of sunshine because our child tax credit hit and the return came in, but you didn't do any effort. You didn't do anything in life other than stick it in that actually gave you this money. You haven't done anything. You're in the situation where you honestly probably get more back than you put in because you're in that income back situation. I mean, again, you're in the bottom...

50% of household earnings. In the bottom 50% of household earnings essentially contribute 1% to the overall income tax situation in the United States. Bottom 50%. So you don't really contribute much. And you got this big check back, and that's fine. I'm not saying that's bad, but I'm saying you got a little ray of sunshine for something you did not do.

And instead of actually trying to clean up your situation, which it sounds like we took a little step towards using something that, you know, wasn't behavior change. So I'm not going to give you credit for it, but you went and got a gaming PC too. Instead of putting it in, that is behavior. That is behavior. Getting the income, getting the tax,

return that wasn't behavior choosing a part of your tax return to go get gaming pz's it wasn't because of the tax return no went straight to cards that was all cards yes i immediately put money back on exactly which is the same thing it's different that's the no it's not you moron

Can I draw this out for them? I'm just saying, I haven't made no big... I haven't made no big what? I ain't make no big money moves like that in like a solid... Listen, you and I didn't live in Oklahoma that long. You did nothing to do it.

You have a kid. That's it. It's the only reason. You know why it's there? I'm my own man. It's to help fund the kid. You used it for a fucking goon station. Hey, man. I don't like slander. I don't appreciate that. I don't give a fuck. That's a slur. Okay. Okay, right? So here's the thing. Here's the thing. You're saying tax didn't fucking... We had maxed out credit cards. Here was the tax return you got. You said tax... Shut the fuck up!

an example. Shut up! Shut up! What the f***? What, actually? Like, shut up! I'm making an example! You f***ing goon! Well, actually, we never said well, actually. Here's your credit cards. Maxed out or not doesn't f***ing matter, okay? Let's say it's like a 3-4 or whatever. Here's your taxes, okay? You're right. You didn't use the tax money to pay off the credit card. Instead, that went to over here and that deleted this much. Woo!

Yay, now our credit cards are only halfway and the tax money is going out. But if you then, because you now have room on here, spend it up for gaming PC, you did use the tax money, which is f***ing

in the federal budget to help with you having a kid as in I pay more taxes to help you. Fun fact, I just bought you a gaming PC. 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

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Right now. Come on. That's what you used it for, for a selfish reason, for something that's actually meant for actually supporting you, for supporting the child. That's what it's meant for. Well, like, I haven't been selfish in like a solid... Good, you're a dad. You don't get to be. And if you go work more and bring in extra money, pay off debt, give your son a sense of any kind of security, son. Yes, son. Any kind of sense of security and future financially, then you're allowed to be selfish. But you stuck it in. Now you actually have to pay

the fucking bills and be a man. Uh-oh, consequences of actions, who would have thought? I mean, the reason I've said that, like, I'm not, my goal isn't to bring it down to zero is because, like, my whole business venture, I want it to be, you know, where... Business. I quoted, I did the... Profits, negative money a year. It didn't, it was green last year. Grosses $2,400 a year. Probably. Like...

If I use my card, I want to just do an event and pay that off because this is more of a hobby to me than a business. Well, thank you. Let's use that word then instead of business. And here's the reality. You're putting your hobby over your child because that extra money and that extra time that you're spending on that could be picking up a part-time job that is going to make more money, that you could be working at home, that you could be doing a call center job, customer service, whatever, answering emails, answering phones. I don't give a fuck.

Let me talk for a second. My goodness. I hear you. I'm just saying that time could be spent doing something more productive that would bring in more money, that would be able to pay off debt quicker, that would get an emergency fund quicker, that would be getting our own place quicker, that would be getting a child fund quicker, that would be getting money for their future gymnastics or sports or whatever the fuck they want to do. And if they want to join band choir lessons, I don't give a fuck.

Pencils for school, all that good stuff. That's what it could be going towards. But instead, you want to put all your time into a hobby, not a business, let's be honest, because you are choosing your selfish desires over what is actually important of being a mother. And a mother isn't just there wiping the diaper, taking out the diaper, wiping the butt, potty training, congratulations, drowning the child in the toilet.

Whatever a mother does, it's more than that. It is also a financial aspect because you're a parent too. Well, that's the plan. Next year once he's in school, I want to go back into my dog grooming and actually start supplementing income to the house. I just am not doing that until he's in preschool. I agree, but instead of focusing the time and energy going, wrong, that's knitting. I don't knit, I crochet. Okay, it's the same joke to me. Yeah, not to me.

Congratulations to your mother. Crochet only has one hook. Knitting has two needles. That's the difference. Okay, so it's a less productive version. Got it. Incorrect. So the thing is, that time could be bringing in more money to actually put your child off for success.

That is the reality. And you're putting your own selfish desires and what you want to do over it. And honestly, you're enabling her because you're not willing to stand up. You don't like living with your mother-in-law. I could tell. And you pretty much admitted it. And you're not willing to stand up for yourself. You're kind of a pussy. Am I right? You're a little bit of a pussy. I want to know what you think your household financial score is. Zero to ten. Zero being the worst. Ten being the best. I'm going to go three, two, one, go. On go. I want you guys to say it at the exact same time.

Three, two, one. One. Zero. Okay. Well, at least we're aligned that you guys are in a horrible place, but...

We're also aligned that you're not willing to do anything to change and you're not willing to stand up for yourself and have any kind of authority in the household. Well, it's hard to stand up. If you want your score, see where you are in the world of finances, go to calebhammer.com. Click that link in the description below. Take the assessment. It's fun. You'll see where you are. And also, if you want to be on the show, go to calebhammer.com slash apply. We'd be happy to have you down here in Austin, Texas. Don't forget, if you don't want to be like a guest on the show, just download our budgeting app. Take the annual version. I'll send you our cookbook that can't be purchased anywhere else. I'll sign it and I'll mail it directly to you.

It's a good time. Let's jump into these finances. The fun part. Great. Amazon Chase. Chase Amazon. Are we authorized users on these? It's just one person's card? This is me. It's just you. Okay, just the wifey. What's your insight into any of these that are just wifeys? So in reality, she manages the finances more. When have you ever had a backbone in life?

You don't have, you're not able to get any kind of insight. You're not willing to stand up for your living situation. You're not willing to stand up for paying off the debt and her business and it not being a productive use of time. You're not willing to stand up to try to get more hours at your job and go do things. You're not willing to send, all you're willing to do is get a PC tower and goon it out all day. That's all you're willing to do. I know you got crusty socks, dude. Dude, I don't understand that. $3,426.

In 74 cents with a minimum monthly payment of $122. So you're saying you have no insight into this because she just runs the finances and you're not involved. Why? Because it's all her cards. The only thing that doesn't go on the board are your cards because I have no idea what you do with those. So you're both equally the problem. You're the problem financially, but you're the problem because you're not willing to stand up and say anything ever and have any kind of...

responsibility or whatever, or any kind of voice. Here's the thing. I don't give a shit about trad dynamics or anything. Anyone can live the life they want to live, but the fact is you're a stay-at-home mother. You're the breadwinner. If we're doing that, you have to be able to stand up and speak on the finances if you're bringing in the money. You have to be able to say like, no, we cannot do this. This is what is coming in. This is the work I'm doing. You have to be able to... First of all,

Regardless of trad whatever, both of you should be involved in that conversation as equals. Instead of just her steamrolling you. She's not steamrolling. Come on. I mean, is she the one that's spending most of the money? Yes. Yeah. How long does this take to pay off? How long does this take to pay off if we do minimum fee payments only while interest accrues without making any purchases? Which...

By the way, you purchased so you're incapable of. But go ahead. How long does it take to pay off? It's going to be like four to five years. Okay. Like 13? Okay. It's going to be 14 years, so your kid's going to be almost graduating high school by the time this is paid off, if we don't purchase anything, which...

Yeah, we purchased $430.96. Why are we purchasing on a card that we cannot fully pay off that is accruing interest? That is my go-to card. Huh? That is my go-to card. Why would you have a go-to card? You're not a credit card person. You shouldn't have a go-to card. I don't think I'm not a credit card person. You have a credit card with a balance that is accruing interest. What more ironic statement is that? I have a lot more credit cards that are completely empty that I paid off. It doesn't matter. If you have one credit card that accrues interest, you're not a credit card person. That is the rule. Well, I...

I think I'm pretty good at paying off my cards. I'm just better at putting more balance on it. I'm literally $3,426.74 and purchasing $430.96 takes 14 years to pay off and $88.29 of interest screwed on it. What the fuck are you talking about? You are so delusional. Anytime I make money, it goes towards paying off the balances. But you didn't pay it off! I don't make that much.

a credit card person. Listen, what happened with this card? I was keeping it where I was paying it off every time I had an event. I hope stock and chase. But then I got an event. You are making me more wealthy because you're a moron and thinking, no, because you think you're a credit card person even though you're objectively not because your behavior is insane and your logic is ridiculous. I just, I don't know. You are giving them money. I think it could be worse.

That doesn't matter. That doesn't matter. I have done pretty well. In what way? You live with your mother and you have credit card debt and you spend more than you make. Not by choice. It is by choice. You couldn't live on your own in Palm Beach. You only did because the church subsidized your rent. That was not in Florida. You have $30,000 of really bad debt and some of it is to your mother, I just saw. So, fuck off. You are not doing well. That is a ridiculous statement. You're doing...

No, you're not. You are not doing well. I can't have you. No, no, no. I know we're making lots of jokes and, you know, we're friendly and I like you guys in general, but the reality is you are not doing well and I cannot let you think you're doing well because if you think you're doing well, you are not going to have any effort or desire or that real push and incentive to really get to a better spot because if we're doing well, why do we need to actually do anything? You're not. You're doing sh** and it's going to impact your f***ing kid. How old's your mom?

How old is my mom? 67? Almost? Yeah, she's not going to be around forever. She's a very late in life kid. Huh? I was a very late in life kid for her. Yeah. Yeah. Youngest of four. You could have used a bit more attention. Absolutely. I agree. The fact is, you're not doing well. It's not even wrong. No, you're not. You're not doing well. I mean, it's not that I disagree. I'm going to murder someone. I just...

think I have the capability of doing well you know I think I think wonderful I'm glad so why aren't we because we're just not there yet that doesn't make sense how do we get there a tax return doesn't come every month well not in the tax return I want to get my job like I want to go back into the job you know I just I want to yeah I want to I'm not yet because I don't have the child care available for that because my mom still works by choice and you know

Well, maybe she shouldn't. No, she must retire in a few years. If we're doing collective household, maybe she should step up by doing that and allow you to bring in more money. If that's how we're doing it, if we're doing full eastern version of household. On their side of things, it's mostly just on my brother-in-law, her brother. She just has her...

Essentially like another side business, but it's actually a business. Well, no, that's her career, yeah. She went to school, did the whole thing. Now she has no debt. She only works when she wants to. She has her clientele. I hope so. She's almost 70. Yeah, she works when she wants to. She's a strong woman. She's almost 70. I would be going crazy if she was this young. But you will be there if you can continue down this.

What did you even spend on? I mean, I don't know. Well, I have like, I have, well, yes, it's mostly yarn and stuff for my yarn. $401 in interest loss this year so far on one card. That's not surprising. $401 that could be going towards the future, compounding in the overall market. Yeah, I don't know. Into a school savings account, into anything. No.

I mean, like there are times where like I will bring down the credit card, you know, pretty heavily. And then suddenly it's like all back up. And suddenly, yeah. No, you need to close the cards then because you have no ability. You can have the Fizz card. I will allow that. You guys know the Fizz card. Everyone knows the Fizz card. It just allows you to spend on your checking account. So it's like a debit card. But you can't. You can't do on a regular credit card. You can't manage that worth anything. Okay. Okay.

And also, that is something I could do to help you with your career. If you want a course career certification, I can help that as well. I mean, yeah. And I'll put you guys also through therapy. Heck yeah. So, it's been a while. We need some of that. No, we don't. Yes, we do. We could use it. I'm going to give you those three resources, okay? I'm going to give you those three resources. We just buy a lot of stuff. Me. I buy a lot of stuff. What's next?

The spending. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Etsy, Patreon. Etsy will be... Patreon to who? That one's probably crocheted by Jenna.

Okay, well that's bullshit because I guarantee you they do not put out better and more high quality and more frequent content than our membership. Well, it's not content. Well, you don't put out crochet patterns. I get free patterns. Well, why would I do that? I want to entertain people. And I want crochet patterns. Canva, Amazon, Etsy. What is Canva? Oh, I use that for like my Instagram posts and...

Pull up your Amazon. It's at a 26.49% interest rate. I didn't get the Wi-Fi. Why? Because I wasn't, I don't know. I didn't see it. So it may load. I will say this is like the bulk of

the bulk of the spending yeah and you're okay with that and you just allow it you don't speak up i mean why don't you speak up it doesn't help when she says hey i bought this but at the other yeah but you speak up about what we can do in the future it's not about necessarily past it's yeah we correct we look at the past to learn from it but we don't beat ourselves up over it but we do address the future and you're not why not address the future guy

It's hard. We're very out of mind at this site, people. Why? What does she do if you bring it up? You've seen it. You've been here. You've had it. It's a small taste.

That's kind of how it goes every single time a conversation like this comes up. I'm really good at rationalizing what I purchase. That's my thing. I have a note that he told Lindsay, the producer, that you just cry when you get into big arguments. When I get overly frustrated, I start tearing up. It's not that I cry. It sounds like overly frustrated happens every conversation. That's not true. Even though crying is a real emotion, it can also definitely on the other side feel a bit manipulative. I've never cried about buyings.

something. The biggest problem is when she sets her mind to it, it's like literally punching a brick wall and like speaking to a brick wall. Like I have tried every route that I could to try to get you to like de-rationalize buying something and then it just doesn't work. If I ask you like, hey, can I buy this? If I go ahead and ask you ahead of time, you say no, I won't buy it. Folks, the American dream is unbearable.

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And I was going, I had all this stuff in my, I had like $400 of stuff in my Amazon cart, but I would not buy it until you gave me the okay. And then you went ahead and bought like half of it without me knowing, which thank you. That was a gift. It was very kind. It was a gift. Can I get,

get it you know I'm like you know five six months into the girlfriend situation I like to gift them I like to gift I like to gift alright so I got your Amazon so yeah there will be things for like our kid because occasionally I'll just be like man I want my kid to have this so I'll just buy it

It doesn't happen all the time. Plant fertilizer. Incredibly important to survive. Got some batteries. We got Earth Bath Mat. Incredible for survival. Neem Oil. Incredible for survival. Window Privacy Film. Incredible for survival. Cat 6. Ethan had to be locked in. He has to get his frames. Yeah, dude. Flora Washable Runner Rug. Incredible needed for survival. Same with flowers.

I think we're in the flower game apparently. Leaf shower curtain. Incredible for survival. We definitely had nothing. I don't give a f***. How about you repay your debt off instead? iPhone case probably didn't have one. Floral iPhone case probably didn't have one. Screen protector. Screen protector. Gaming keyboard. F*** you. He has his RPG. That was my gift for him for our anniversary. It's both of your money. I don't give a f*** anniversary. Hey, happy anniversary. Let's pay off debt so we can give our child the future. I don't give a f***.

96-piece, 25-millimeter, 3D glitter safety eyes for girl's sake. Oh, for fuck's sake. What a joke of a business. I paint the eyes. Baby blanket flossing lilac lounge yarn. Gaming microphone. We got a real big gamer here. Again. Buddy keycaps.

Well, he wants to get a streamer too, huh? That was supposed to be the only thing I bought was those keycaps. And we got more decorative blanket ladder. This is all bullshit. The fucking deodorant's the first thing where I'm like, yeah, you should probably have it. It's funny. You probably get all stinky. Put that on there just so I could get same day shipping. Yeah, you put it on there just because it wasn't the first bullshit thing, if we're being completely honest. We were. Mark Roshan, bullshit. Doug, my first daily magnetic calendar. That's for a kid. Don't care. Yeah.

Like, I don't know. I really want to redecorate right now. I don't care. Well, I mean, we've moved. Pay off your cards. What, we moved, what, six times? Cool. I think back and forth. Still don't care. Back and forth, back and forth constantly. Don't care, don't care. All we were doing was getting rid of all of our stuff. We're finally in a spot where we're not going. Oh, oh, I don't care. I hear you.

But I care. But I don't care about my space. It makes me happy. You already had decorations. You wanted to redecorate. I really didn't. Listen, the word you said was redecorate. Well, it is redecorate. To me, it's not redecorate. It is just decorating. I said redecorate.

It'll happen. Hey, how much is in your retirement? Absolutely nothing to my knowledge. How much is in your retirement? I got $300. Fuck you both. I don't give a fuck about decoration. You have nothing. You're losing your best decade of life for compound growth. You're about to lose your second best decade on this path. It's all bullshit. And that's all through just last month. Look at this. Fucking mini trampoline. Fuck them kids. Oh, he loves it. We do not. He's on it constantly.

You don't say that to him. He needs a trampoline. He needs something to jump on, dog. Oh, yeah. He's a jumper. He's been... Yeah, no. He's fallen off the bed. Good. He'll learn. He has learned several times. Good. Yeah, he would think so. Yeah.

But, you know, trampoline he loves. The trampoline's in the basement, so he doesn't have a bed to jump on in the basement. Shut the fuck up. No. I don't care. I'm sorry. It's so pointless. I used that swing. None of this matters. Getting on a debt, having a fully funded emergency fund, having retirement, having school funds, that's what matters and you don't care because you guys are selfish and put even your joy of seeing him have a gift over actually providing for the household, which you need to. What a joke. 26.49% interest rate. What a joke.

Who's the Capital One Quicksilver? Both of us have one, so. Okay, who has the balance of $1,406? That's mine. That's you. Yeah, that one was our... He's delayed by three seconds. That one was probably our vacation stuff. Like, I went to go visit my dad last Christmas. Where? Oklahoma.

Yeah. That's where we moved back and forth from. We moved from Oklahoma to Florida to Oklahoma to Florida. We did a whole lot of that, which is part of the debt was moving back and forth from Florida to Oklahoma. Yeah, but what else is he spending? Well, yes, no, there is a lot of spending. Some of these cards were just like moving though. Like this one, this one is like the Airbnbs and I think for our trip before that. So this is all just travel. This takes 10 years to pay off. Oh yeah. It's mostly travel that one, I think.

Oh my gosh, I have a note that you guys said. They spend a lot on, well, you guys spend a lot on food up until recently because you don't like cooking. I don't. Of course, that recently is everyone changes their behavior one to two weeks before coming on the show. F*** you doesn't count. But you don't like cooking. No. You're a mother. Listen, you got to give the kids nutritious food. Even if we're going to be that f***ed.

at least give your kids something because they don't get a choice on their food. That is the biggest perk of living with my mom. She cooks all his meals because he just eats whatever she makes. Then you are a child that you are then going and spending money on food then. That's like her thing. You eat out daily? Yeah, we eat out daily. You are children. You are children and you can. You can.

if you can afford it. You simply cannot. I got a weird thing with food. If it doesn't sound appealing, I just, no, if it doesn't sound appealing, I just straight up won't eat and he won't allow that. So he just goes out and gets something. Okay. Cause you're a child and you can't stand up and be like, yo, sit down. eat than starve. She won't starve. She will eat. No, that's valid. That's me. I,

I'm the only one with that. No, my thing with food is awful and I hate it, but like I. What is your thing? Explain it. So I like, I don't know. I hate eating. I like, I hate, I hate, I physically hate eating. Okay, well clearly not. I'm sorry, but. Leave me alone. I've lost 60 pounds. Well, I'm only allowed to say that just like, but I'm allowed to be fattest. Thank you for allowing it. Because I'm fat. I don't know.

I don't know. But I hate eating. I hate thinking about food. I hate preparing food. I like good food. I like to eat when it's good. What do we define as that? I hate eating breakfast, lunch, and dinner. Einstein bros bagels every morning, which apparently you do every morning. That's him. That's him. I don't eat breakfast. If I don't want it, I will not eat. I'll just skip the meal. What do you want? I don't know. It's in the moment. It's literally in the moment.

Like, genuinely. You can't enable this. You have to go to fucking therapy and you got to start coping and you got to figure this out because this is not a lifelong thing that is going to, because it's clearly not healthy. No, it's not great. It's not financially, it's not physically, it is not good. Like for breakfast, I will just make like a protein, I'll drink a protein shake at most. That's fine. I will just drink something. Good! That's fine!

Good! I will 100% own up. You get food out every single morning. Most of the food stuff, it's like breakfast and lunch, me out at work. I eat most of my meals at home unless we're eating dinner together. Then we'll get food out. But you eat out way more than I do. Anything Einstein Bros or Publix is probably me. Yeah, Einstein Bros and Publix. And all the Publix, if it's under 50 bucks, it's him just getting lunch for the day.

Under 50? Yeah, if it's under 50 bucks, then it's him. I don't know, because most of your things are like 20 and less. They're like 20 and less. That's not insane. A $20 lunch daily? It's breakfast and lunch. That's insane. I can get you to $300 a person in our cookbook. I've told him several times if he tells me what he wants for lunch, I'll prep it for him and put it in a lunchbox. But you both are children and you fully enable because, again, you tell him that but you don't push back against it. I mean, no.

Because I also don't want to make him lunch. You guys are going to enable each other into a fucking homeless situation, into losing everything when mommy's no longer there. Is brother going to be with you forever when mom's out there? Probably, yeah. We room with him really well. So we would probably just stay in the house that we're in as long as possible. Well, he probably just looks at his computer all day, right? Yes, he does. I mean, yeah, that's easy to room with. Yeah, he's great. And you're turning into that. He is a solitary guy. Yep. It's kind of hilarious. Yeah, he's great. Um...

Okay. Well, the quick silver, $48 minimum fee payment, $34.32 of interest is accruing, 29.24% interest rate. Sounds about right. It's insane. Yeah, it sounds about f***ed and we're so choosing to do it because we could be paying this off, but we're going to Publix every day and getting $20 f***ing breakfast lunch. Bullsh**, bullsh**, bullsh**, bullsh**. I could literally...

Following our meal plan. I mean, several months ago it was worse because we used to get breakfast every morning of the weekend as well. Like breakfast, lunch, and dinner every weekend. I could get every meal down to $3.33 on average.

Yeah. Through meal prepping. I mean, also on that card, I think it was paid down. It was paid off completely, that card. This is why you're not a credit card person. You're proving it. Oh, she says I know. And then, and like, it was completely paid off. And then somehow in your pocket, you paid for Walmart Plus. Like the app opened. We never would have done that. And we called, tried to get it taken off. And it was just like, well, no. So we did use Walmart Plus for a very long time to get like groceries. And we were eating out a lot less when we had Walmart Plus. Oh.

But that gave me permission to put more on the card once there was a balance on the card. Permission for you. I know. You don't understand things. I hear you. The way you look at the world is crazy. Yeah, that sounds about right, actually. I've been told that several times.

That one was on you. If people are confronting you on that on a consistent basis, why have you done nothing to try? You say you hear that from people. Okay, then why haven't you done anything? If I hear multiple things from independent sources, that means I should probably work on this. It depends if you just see the world differently. I don't know. I hear that from people. That's it. That's all I'm saying. I see the world weird. Everybody does.

Yeah, but you can see it rationally. You can see it in a way that's beneficial to your child. It's not that I don't see it that way. I just, I think I'm a bit more lax on it of just, I'm allowed to do something that I shouldn't do. Allowed by what metric? Free will. Yeah. It's about it. Free will work. Your free will though, you have dependence. I do. You're acting the same age as your kid. No. Your mentality is there.

Our kid screams anytime anything frustrates him. I'm not doing that yet. And you wear children librarian glasses. So, I mean, we have, you know, we're all on different levels. Nah. There's like, I don't know. I want to bring this shit down. I want to bring it down to zero. I would like to bring it down to zero. Would like to, but you care about getting below 30% so we can get a car. Well, no, my thing is I want to bring it down to zero and I want to keep hanging out. Not more than you want to spend money. But I, and I do want the car.

But it's like, you know, I want the car so I'm able to do more things with my son. A minivan doesn't enable more things with your son. Well, a second car enables that. I just don't want to get a car that I don't want. We don't need a $30,000, $40,000 car. I don't care. It's a tool. It is, but I've already gotten a car as a tool. I want now a car as a luxury. What luxury? You don't work. He doesn't bring in enough money for bad beach. That's why I want to work so I can pay for the car that I want.

At no point will I ever get a car that we can't afford on a monthly basis. You already are because there's pretty much more than you bring in and the only reason you're able to put any kind of money towards that is because you got a child tax credit. You have no idea what you're talking about. All the money that I made also went towards all the credit cards. You have no idea what you're talking about.

I'm sorry, you don't. Man, we left Florida to get out of the rain. The debt was at $0 a year ago, they said, so clearly we're just... It was over a year ago at this point. Well, it was like two years ago when we moved here. We're obviously... I mean, we're going in the wrong direction. Yeah.

That one and I think one other was also at zero like two years ago. Why do you care about your luxury of a car instead of your child's life and his life and your mother's life and your brother's life? Well, I don't want that to be part of it. No, you are clearly desiring the luxury car and the selfish desire to be behind the wheel of whatever you want over them. I'm a band.

Because to me, it doesn't make sense to get a car that, you know, we make work for our family. I know. And I want the tool to work better. Like, I want one that works for me. Listen, if there's a hurricane coming, I have to pack what I can get. I would like the bigger car. That's what makes sense. Oh, guys, a minivan is what gets us away from a hurricane. It's a bigger car. I would like to be able to fit my whole family into one car if that's necessary, you know, with my mom and my brother. Like...

I want something big. It doesn't make sense to me to get something smaller. If we're escaping, technically everyone could fit in a sedan. Not in our car, especially not with the giant car seat that we have. I can't fit my mom and my brother back there. Yeah, we can have a temporary, we can have another kind of car seat for emergencies. Listen, if we're only going to use that, I'm not even advocating that, but if you're going to use that as the excuse, it's fine.

just one more reason you know okay your quicksilver you spent what you put your minimum payment towards it which is now $28 higher why is that because because you purchased $320.30 the balance is now $799.32 I think that one's mine with six years of minimum monthly payments

I don't know what you do with your cards. You know what I do. And if it is anything on that card, it's just getting the food. It's food. It's just the food. I don't know. Did you put computer parts on this card? Computer parts? Because he put some computer parts on my card. What do you even have? I have an AMD Radeon 77. You went Radeon? Do people really go Radeon these days? 7700 XT. I don't like NVIDIA. I don't like...

The idea of them in general, so I went AMD. The idea of them? Yeah, bro, like the 5090 came out. That thing looks garbage. Absolutely rude. Six years to pay this one off. My computer is very nice, by the way. And your son uses it to play Sesame Street. Yeah, dude. What do you play? I just beat the DLC for Elden Ring and Night Rain just came out. Those are great. Wendy's.

Getting lunch and breakfast, Dunkin' Donuts, Caribbean Fire, Caribbean Fire, Ramen Lab Eatery, Taco Bell, lunch and breakfast, Chipotle, McDonald's, Papa John's, McDonald's, Carlin's Handcraft, Dunkin' Donuts, Wendy's, lunch and dinner, or lunch and breakfast, breakfast and lunch, Einstein's Bros, lunch and dinner. It's all f*** you bulls***. It's all you bulls***. That is our biggest thing, yeah, is the food. Why'd you open this card?

So the only other card, I only have two. My Discover card is the other one that has way higher balance and all the other stuff. I just thought in case of an emergency, I guess. Except this is what you told the producers. You guys can't follow instructions? It says put it on do not disturb and silent before we film. Mine is always on silent. Bad behavior, bad with finances. Who would have thought they would be combined?

Also, I don't remember hearing that either. But you told the producers that you likely felt that she pressured you to open this. I mean... We changed our tune now that we're on camera? No, I just don't remember when we said that. He said it. You said it. He admits that he probably felt pressure. It was kind of like... It's kind of like a side thing where it's just like she has a lot more than I do. And I just felt like I wasn't...

adulting correctly if I only had one Discover card? She's adulting correctly? She's a disaster. He fed off my bad behavior. That was it. We've been together since we were, what, 16 and 17? Yeah, dude. Dude, she was 18 and I was like... I was 17 when we started dating. When she turned 18, I was 16. I'm setting Twitter after you. Well, I mean, his mom wanted to get a restraining order on me at that point in our relationship.

That was very fun. We're in a great place. I love her. Things were great. Love you, Mom. Yeah. You felt pressure. Yeah, I started, I had really bad habits. So, like I said, we've been together since high school. Like, right out of high school, I had two cards. I just kind of thought, like, I should probably have another card. Yeah. Essentially, just in case. And then...

I try to use like non-credit card stuff first, but when I get to like a certain point in my checking account where I'm at like 50, 100 bucks. But this is all bullshit. This is necessity. Right. But like. Like I understand it if we are spending everything on necessities on our debit card and then all of a sudden there's no more money. Okay, we use the credit card for an emergency because we're never disciplined. We don't have a fully funded emergency fund. Got it. That's the consequences. Then we do everything in our willpower to pay off the credit cards. Okay, cool. No, no,

None of this is that. This is the complete opposite. I mean, the rationalization of it is that... You ran out of money, so you spent on your credit card bullshit? I mean, the rationalization is that that's what we eat and we don't buy groceries, you know? During this time, we literally, like, rarely ever went to the grocery store because we kind of caught ourselves in the fact that a lot of food was going to waste anyways.

We were buying groceries and going out to eat pretty much every day, so we stopped buying groceries. Obviously, it's always better to just buy groceries and stick to that and yada yada. Obviously. And we don't do the obvious thing? I mean, at a certain point, it was like... I get paid every week. So? And immediately out of my paycheck... Which is so budget monthly. Right. Immediately out of my paycheck, though, everything comes out.

So it's like everything gets paid and then it's like whatever's left over is basically what we got for that week. Here's the thing. A lot of it goes to food. Obviously we don't know how to budget.

Use our budgeting app. You get the premium version for free forever. Automatic connections. Use the community features. It's pretty good. We're implementing even very soon an AI bot version of me that you can talk to. Based on your budget, it will give you what I would say. You need that. Use it with the app. These are the resources I'm giving you for very clear reasons because it has worked. It has worked for literally close to 50,000 people. It has worked.

Do it. Then when you're ready, you can take the investing one. When you're ready, you can do the real estate one. But you have to at least take the budgeting and you have to at least take the debt classes and use the budgeting app, okay? If you come back on the follow-up channel and I don't see that you guys have used it, I'm going to freak the f*** out. Fair enough. I did download...

I did download it at one point, but it wasn't working. It would not let me connect to your accounts at all. It was an annoying little thing. I think they were saying in the community, it was like, hey, we're working with the patches. And I was like, okay. No, we fixed it.

I'll come back when it works. Building something from scratch is always a little messy at first. I will say though, it's just like, obviously that looks bad, right? Like we all know it's good. We all know it's not good. Yeah. But like I was saying before, it's like, if I'm buying groceries and we recognize the fact that it's just going to waste and I'm buying nonsense, is it really? Don't make it go to waste, you moron. Is it really better though? Yes. When you don't make it go to waste, are you, what, what are you?

I mean, like, I'm telling you exactly how it goes. What's your ethnicity? We're not doing it on purpose. Oh, I'm Puerto Rican Dominican. What do you got to say about that? What would they think? What would they think if all your food was going to waste? What would they think? Well, my mom, she never really taught me anything about budgeting. It's not about taught, but all your food goes to waste and you throw it away. What would they think? Your ancestors.

I mean, well, I have no idea about my Dominican roots. We don't know much about your Dominican side. My Dominican side is long gone. I was going to try to make an example. A lot of people have food insecurities all around the world and you're allowing your food to go to waste. It's kind of disgusting.

Okay? Yeah. Makes it better. I'm half Brazilian and then German on the other side. Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet.

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All right. Discover it. Discover was my very first card. Well, good. Well, when I got it. That means we should fuck our life with it. When I first got it, like my mom was the one like paying for the minimum. I was like 18. I didn't even have a job. Great. So you've been unable to your entire life. $5,107.93. And now she's helping take care of your rent. Well, your brother, because they're attached to the hip. I consider them one person. 21 years to pay this off. Your kid will be in their mid-20s.

Yeah, that one's fun. Yeah, and you can't do anything but purchase way more than you put towards it. The minimum monthly payment is $123. Purchases is $525 on a credit card that cannot be paid off, that takes 21 years to pay off, that is a great $102.26 in interest a month.

What the fuck is going on here? That one actually for a long time had no spending on it. For like several years I had no spending on it because I had like a balance less than like $1,000. And I think we started spending on it again when we were moving from, yeah, back from Oklahoma to Florida for this like final time. We started and I put like the U-Haul on it and like moving expenses. Okay. Sorry, keep going. Oh, I mean, no. Although we did move in together very quickly.

In that regard. Go, go, go. But we... You're purchasing on it now. Yeah, but we are. Like I said earlier, it gave me permission to use the card again. Defend that logic. Well, I don't know. When it's at zero and I'm doing good, I keep that flow. Object in a motion stays in motion. So I keep that flow. If I get screwed up, now I start using it because now that's the card I pull out of my wallet. Newton's first money spending law. Yep. Yeah.

So that one just is the one I use now, especially since they give me a credit increase. Luckily, it's still not maxed out. You stream? Oh, dear God, no. You have the mic. Yeah, but it's to talk to friends. That was me. I was going to say you're kind of funny. Hey, thanks. Maybe you could have done it. I...

To be fair, I'm trying to do more with my crochet social media. Okay, yes, because we're talking about you right now. Listen, I want to be involved. She's the one that's going to try to have an online Etsy shop. I'm just trying to enjoy my life, man. Let the man have a moment. No.

No, you don't speak up in this relationship. Who would have thought? You're quiet. That's the thing. He's always been. I'm always the one that talks like, you know, for him. Yeah, this goes back to like childhood trauma type stuff. How quiet is he in the nightly peg? You're not very loud, but we also have my room, my mom like next door to us, so. True. You got to be quiet on here. Yeah. Yeah, I got no choice. Okay. So we've worked this on. Ollie's bargain outlet. F*** you. Yarn. No, no.

Joanne closed. Joanne closed. Joanne closed. Joanne closed. Joanne closing was our downfall for a solid couple months. Honestly, good. It's like taking the drug away from you. You should have just accepted the withdrawal. I had to go get it while it was cheap. This is a disaster. There's nothing considered cheap here. You're f***ing your life. You're accruing interest. You're paying fees.

I mean, the only stuff is also stuff for ourselves. Every piece of yarn you get, you are essentially paying fees. Probably. With your interest. That's how we can mathematically make this work. Although not every time. Sometimes I use debit when I buy my yarn. Every time you buy yarn on here. Yeah. This is so fucking moronic. This makes no sense. You are a mother! You would be a big fan of going into the basement. I do. I have a big yarn wall. Okay. Yeah, I have a really big one.

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It's a 29.24% interest. All my interest actually went down recently, funny enough. Oh, 24.24%. Yeah, they all went down by 1%. I don't know when or why. Interest accrued this year on this card alone, $400. I mean, we're easily over $1,000 in interest accrued on all these cards combined. $1,000 taken away from you guys making about $40. Like, come on, that's horrendous. We can't do that. We need that money. We need that money. A couple hundred dollars in retirement? F*** me.

What a joke. Okay, who's... There's another discoverer. This is yours? That one's mine. Oh, you're both absolutely ridiculous. That was my first big card. First big card. Well, you started as an authorized user on my card before you turned 18. I'm going to murder. $5,584.70. $5,584.70.

minimum monthly payment of 118 dollars these are stacking 19 years to pay this one off good luck to everyone 103 dollars to purchases balance went up even though we put a you put a little more than your minimum monthly payment on it but the balance went up because you purchased and then 97.89 cents eight 97.89 cents interest hit then you purchase 103 dollars what the fuck are we doing

Honestly, it's... What the f*** are we doing? What are you even purchasing? Do you know? Do we know? It's usually the side food stuff. It's gonna be food. So, like I was saying, every week when I get to that... We're both addicts. That low point of the actual money... This episode is my low point. One second. Cramp? Yeah. You need to drink more water. All right. That's just coffee, man. You need water. You need to drink more water. Hydration.

water at you because she was being annoying. You did throw your water at me. That's true. That hurt. Bolle WPB Bono Pizza and Pasta Microsoft Ultimate and Taco Bell. Shout out Bono's. Microsoft Ultimate. Yeah, his little Game Pass subscription. Oh. Yeah. We do need to cancel this. Pull out your phone. Yours or mine? Both. Okay. What you want? Give it. Open it. Yeah, I got it. I got you. Stuff. Whatever.

She has premium, Patreon, Apple One. Okay. The Apple One's like the whole family thing, so my mom's on it. And just...

Your little cousin is on it. It's music. So it's Apple Music. I know what Apple f***ing 1 is. Well, we switched it because we were paying for music and arcade. And at that point, that was like $25 a month. And we were just like, oh, we could essentially have Apple TV for free at that point if we're paying for these two. So we switched over. Might be better than...

than the Caleb Lee. Might be better than Caleb Lee. We just want to watch... And it's not. We just want to watch Ted Lasso. That's the only reason I wanted Apple TV. No, I'm really excited. At the end of this month, we're launching all these new shows. It's going to go fucking crazy. We're the second largest on the entire platform for a reason, ladies and gentlemen. I do pay for the post shows. Well, yeah.

That one's fine. It's not the good tier, but it's a good entrance. Yeah, because I have you on the background pretty much all day. Oh, then you're better up there, Julie. Because literally three shows a day, Monday through Friday, every single day, dedicated shows.

I watched an episode with my mom who wasn't super happy about us coming here. Why? Well, because she helped us start our credit journey. She wasn't happy about you coming here? No. Not at all. Tell me. No, because she didn't like that we were putting ourselves online and portraying ourselves as stupid. She's very... She's very image. These guys are being stupid though. She's very controlling of her outward image. Yeah, so she didn't like that we were putting ourselves online. She also likes anonymity and...

keeping our lives private, which is valid. I've always been like that too. This, I just kind of was like, this sounds like fun. It is so far. Yeah. I like getting yelled at. I think it's funny. It's fun. And it's interesting. I always see videos out there where it's like,

Man, Caleb's been to his guests and they made the bad thumbnails and stuff. Like you guys didn't go through the whole process and watch the episodes before and go through this. It's that classic meme where it's like, I consent, you consent. And then someone out there is like, but who did you, did you forget to ask me? It's like, what the fuck?

That's Jesus. That's who it's got to be. It's got to be Jesus. Unlock it. I had to connect you to the internet. I need to look at your subscriptions. I ain't got none. I was going to say you should. Well, I'm confirming. Apple One you're attached to already with the family thing. Most subscriptions. Okay, yeah. He had Apple Arcade, but that's it. Yeah, that's why we switched over. Okay. Well, he definitely has Microsoft Ultimate and he goes to food every second of his life and he has insane credit card balances. Okay, Capital One, what's this?

Probably mine. That's probably mine. Well, no, because we did your Quicksilver. $1,084.30. Minimum monthly pay is $37. Everything else is from Alan. Okay, well, no purchases, but of course, $26.23. Eight years to pay off at the rate you're going. That one and the Quicksilver would have had no purchases, or does have no, I don't remember. Those ones have been sitting for a long time. Um.

No. No, you guys just paid off your phones and then you went in and got brand new? No, we did not pay off our phones. We traded them in. So we paid off the, like, or paid something. We paid something. It'd be like 400 bucks and then like got a thousand dollar thing for this one. But you're on a payment plan? Yeah, but we don't pay for it. Who does? My dad. Father. We're going to start contributing though. We...

You guys have no independence. You're still children. Last time I told my dad, I'm like, yeah, I'm going to send you stuff every month. And he's just like, okay. You guys are children that just had a child. Oh, yeah, for sure. 100%. You accept it, Greg. I was 22 when we had our kids. Parents must be so proud. Nordstrom? You have a fucking Nordstrom card? Yeah, I rarely use it, though.

Um, my aunt was visiting from Brazil. She wanted to go shopping and I had to buy a dress for her wedding. Okay, it looks like this one's paid off every month. Yes, I pay that off as soon as I never use it. But you did still purchase $132.58 that could have gone towards something else. It was a dress and shoes for a wedding. And you did not have dress or shoes? Not for this wedding.

It was a black tie event. I only have sundresses. I also don't have that many dresses. I'm biased, but I can actually attest to that. Huh? I'm biased, but I can actually attest to that. Yeah, I don't have very many dresses. I'm not a dressy person, so... Okay.

And my mom offered to pay that for it, and I was like, no, she didn't need to. She usually does when— You've been enabled your entire life, so I'm not surprised. Well, when she takes me shopping, she's like, it's my treat. That's why I'm taking you shopping. Okay, yeah. You owe your mom $2,500. For what? So that specifically, it's like $2,000, $2,500, something. I don't know. Yeah, $2,500. It's not specific. But for what? She took a balance off one of my cards. Oh, my gosh. And then we— It's paid off. It's still at zero. Yeah.

Yeah, but look what you're doing on the other cards. You haven't changed your behavior. You're spending more than you make and you have nothing to show for it. But that one specifically was... Yeah, but your mom bailed you out. You guys are fucking enabled. My mom loves a balance transfer card. My mom loves a balance transfer card. That's how she did all of her things always. You guys will never make progress in life because you're just enabled by each other and by dad and by mom. It was done via association though. Huh? What?

Yeah, because your mom... Oh, well, no, it is my taste. My brother got a card and my mom was like, do you have a balance to transfer? And she took my highest interest card. Why is your mom involved in your guys' finances, though? She always has been, always will be. But you guys are married! You're moving on! You need to separate. Just financially. You guys need to have some kind of independence or you'll never learn anything ever. This happened like a year or two ago, like when we moved in. And yet you still owe us, so that makes it even worse. Because she never asked me.

I asked for it. Does it matter? Does she have to ask for it? Does she have to ask for it? Does she have to ask for it? No, she doesn't. I tell her if I'm going to give her money. Responsible daughter and mother. I would love to give her money. And she's like, no, put it on something else. She doesn't want to be paid. And that is another form of enablement. And guess what? And then you put it towards something else and then you rack your debt up again. So it matters nothing. You need to pay her off. You need to pay off all the other debt. Need to be responsible daughter and mother. And you need to stand the up and put down some rule.

Have some opinions. I mean, this is probably what the therapy's for at this point, dog. Because, like, this goes back far. So it's like, it's a little harder on my side to, like, go. To stand up? Yeah. To my mom specifically. To both of you combined. Yeah, that's fair. It makes it harder when it's combined. Yeah. Why? Why?

Because now I'm arguing with two strong Brazilian women. Because both of us will bounce off each other if my mom agrees with me. We tag team. That's why we can't be liberal!

I don't see that. She's not involved in the relationship. You cannot live with mom if she gets involved in these conversations. It is not a f***ing sustainable relationship household. She wants to retire in three years and move to Portugal anyway. So, you know, right now. She lives like, you know. It's not like this is how we plan on. She lives the life that she enjoys. We don't plan on staying like this forever. No. Obviously, I don't want to be like this forever. I'm okay with living with my brother. You can't have conversations because she's there.

And you're going to live like this forever. You've gotten comfortable with two and a half years and you guys have done nothing to change it. That's a lie. Keep telling yourself that. Good luck. But you have an 84-month term on a car and you want a second car? Good the fuck luck. That car. Yeah, what is this car? What is this car? That's our 2020 Hyundai Tucson. 2020? We got it in 2020, in October of 2020. Our CRV broke down. We had a fun story with our CRV. I probably don't want to hear it. Well, I mean, I totaled my car. Oh.

That is fun. Well, I hydroplaned and I hit a highway median at like three o'clock in the morning in the middle of nowhere. Oklahoma. Yeah, so my uncle offered to buy just a beat-up car because we were on a road trip from Florida to Oklahoma and he offered to buy us a beat-up car to get back. Okay, listen. And that car. Listen, we have a car loan.

I'm sorry. We do. I don't care. So close to finish. I can speed it up. I never let women finish. Well, you know what? That sounds like a skill issue. Watch, watch. This car was a piece of crap for like several years. Oh my gosh, I don't care. I'm sorry, I'm so sorry. This is why we got this car. You have this loan. Babe, he never lets the woman finish. Watch this. We had a beater. It broke down. We got rid of it. We had to get a car. That is interesting. We walked into a dealership. We needed to get something to get back home.

We got some. Tell me more. We got a really good deal. I will say that. No, we argued with them like crazy. Hold on, you're ruining it. No, that's the point. And so then we had a car. And now we didn't have to worry about a car that can break down or die on us. We can go where the hell we wanted. It's a good story. I'd listen again. We gave the car back to my uncle. I'll leave you a good review. Five stars? Hell yeah.

Okay, you owe $10,794.06 with a $369.19 minimum payment. You do have an equity position of maybe $2,000 to $3,000. I'm going to say $2,000. Probably a little less. Last time I checked, it was worth $14,000.

We're getting about $13. Does that include the vendor? I don't know. It's got a cosmetic. You're probably about breaking even. That's privacy. What's the interest rate on this thing? $4.05.

Okay, that's not horrible. But what is horrible is the 84-month term. Yeah. Because that means that's going to allow interest to accrue for so long. Yeah, because you're f***ed. Well, no, especially at the time we had barely gotten jobs. It was like mid-pandemic. How's the car? How's she doing other than the cosmetic? She's great. 40,000 miles on it. She's great. What the f*** is this? What am I seeing?

You guys sent the screenshot. I didn't send, I never sent any. Come on, yes you guys did. Didn't they? I didn't send any screenshots. I don't know what that is. I sent only statements. March 2025. Balance $3,010. What's this? Are those my loans? My student loans?

Yeah, I see the rating and the scheduled payment, so probably. Okay, yeah. Oh, for fuck's sake. Four different papers? Yeah, because they're just individual ones. Well, I had subsidized and unsubsidized for two different schools. Gross. Yes, one of those was a massive... Well, both of them were massive mistakes. I will give them a... I'll give it that. So is this marriage. Anyway... No, I went to... I'm moving in with mother-in-law. Yeah, I went to... So, okay, what...

Yeah, what was your schooling situation? So I went to college right out of high school. What was your major, babe? I went for graphic design, something like that.

Graphic design can be okay. Yeah, I went for graphic design. Can be. There's jobs in that. I was expecting something a lot more. And then I was major shift. I was going to shift my major to like early childhood education. I was going to do like elementary school teaching. That's okay as well. But I'm not good with schooling. I'm really not. But I had to essentially go to college to live in the dorms. Okay, why do you not have a payment? I was like on the save plan or something. So it was

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It's probably going to be about $100.

A month. They say, yeah, it was like 74 for one, like 25 for the other, something like that. It showed like regular payments. That's all your debt, correct? Yeah. You have more debt. Okay, checking account, $204, savings $260. Okay.

Well, in this one. This checking account's not much. It's just moving money back and forth. Nothing crazy. That's mine. So we're separate? Well, we have our separates and then we have a joint. Okay. Amazon, Apple Bill, Shippo.com. Apple.com. Sales. Joanne, before she died. Apple Bill. RIP. RIP, thankfully. Agreed.

I love Joanne. He's f***ing getting a voice. He hated going to Joanne. You hated going to Joanne. I would drag you every weekend. That was my only outing. I don't leave the house otherwise. And, you know, if we go out, I go where I want. So I would go to Joanne or Michael's. I prefer Joanne, though. Yeah. Lock yourself inside and cook yourself meals. Because you need to eat at home. I do mostly. I eat my breakfast and lunch at home every day. Dinner? Dinner.

That's up to him if he goes out and eats. You need to step up and be a fucking man. Sometimes we'll eat frozen meals. That's about it. 454. Well, total. 331 in this checking account. It says fucking ramen, zealot money, Dunkin Donuts, Grand China, Kid to Kid, Chipotle, Taco Bell, Uconnect, Uconnect, zealot money out. That's probably me. Einstein Bros, US Connect,

McDonald's, Beer King, Lucky Chew, Coca Chocolate, Philly's House. I don't need to have a little thing for everything. It's okay. Meats, barbecue, Benner's Farm Fresh, Dunkin' Donuts, Appleville, Einstein...

I'm going to keep going. Quiet. I'm sorry. Einstein Bros. Zelling money out. Taco Bell. Einstein Bros. Apex vending machine. Einstein Bros. Steam purchase. Has to buy his games versus gaming PC. Taco Bell. Einstein Bros. Blano pizzas. That's it. Apex vending store west. Grand China Chinese. Zelling money out. Chipotle. Einstein Bros. Einstein Bros. Dunkin' Donuts. Baskin-Robbins. Vending machine. Vending machine. Two-plan bakery. Zelling money out. Steam game says fuck. Bullshit.

You don't have retirement. You don't have an emergency fund. Your kid has nothing. Okay.

over. This is sad. I'm glad we're able to goof and joke around this episode, but this is disgusting actions of selfish parents. And I'm going to call it as I see it and I'm not going to be nice about it. The only thing I will say is the Zelle payments, if it's the $500, that's rent that comes out of it. That's Apple, Apple, Shippo, Apple, Joanne, Apple in another account and then transferring money back and forth. Nothing to show for it in our entire lives.

It's disgusting. This is disgusting, selfish behavior, prioritizing yourselves over your child. Buddy can't even escape his own mom-in-law. That's probably why he's always going out and trying to get food. Just to get away from her. This is me being literally out at work. Yeah, you're gone all week. I got to eat food to take care of my family. Dude wants to pick up extra shifts to get away from her. Dude, listen, no matter how loving he is and how nice he is and how much he can't speak up for himself...

There's not a guy in this world that wants to live with his mother-in-law. No, and we couldn't live with your mom at any point. Ironically enough, though, it's mostly because of the issues between them two that I think we should move out. I mean, it's hard to live with family. $3,883 is what comes in on a monthly basis. $3,883 is what comes in on a monthly basis. Let's get you a minimum of two payments.

That does not include a new car because we're not going to be morons and I'm making that illegal. Well, not anytime soon. Shut the f*** up. Not anytime. We'll see where we're at in a year and a half. We'll come on the follow-up show and prove it. But right now, your minimum fee payments are $835.19. I will drive here in my minivan. $1,600? $1,600.

Your, your car? Yeah, so we send $2,000, but $1,600 is our rent, $200 is our car insurance because it's on her credit card for some reason. I don't know why. And then we send her an extra $200 for like utilities, groceries, whatever. $200 for utilities, okay. Groceries, we don't need nothing else. Well, you're going to be eating more at home. You're going to be

more home so i'm giving you extra money for groceries no no that's just whatever i contribute to like my my mom i whatever she spends it on yeah she buys her groceries with it i'm saying you are i'm contributing more money from you guys to groceries because you're not going out to eat anymore does that make sense yes if we had a sake you can probably do 600 bucks to groceries tp fun because there's a kid 250 bucks for anything else that's necessary phone bill

Dad, right? You can do helium when you're on your own if T-Mobile's good in your area. Same coverage, but like 15 bucks a month. Last time we hit T-Mobile, it was trash. Okay, maybe T-Mobile's not good in your area. Okay, medical health care. Any co-pays on a monthly basis? Things like that? Medications? Why not? No. Gym? No. We have a home gym in the basement. No, but I want one. Nope. Nope.

You're not out of place. Not yet. Not yet. Not yet. Yet doesn't matter. You are not. I'm waiting. Anything else that needs to be in your budget that is not in your budget? Yarn? Nope. You got to budget my yarn, man. I got to do it. Well, let's see what we have. I was going to say, let's see what we get. Remember, this is... Okay, no. I'm sorry, no. Okay. Listen, this is with your parents covering a lot of your... And you still...

$3,685.19 to survive on a monthly basis. After his little $200 bonuses and you're making no profits, you only have an extra $197.81. I will only allow you to spend on yarn what you make from your business, but you do not get to spend a dollar more. That was always the plan. Okay, that's the plan, but that's what you're following. You only have an extra $197.81 left on a monthly basis. You're never going to get out of debt with that.

It's as easy as that. You have $30,000 of debt. Does it help if I get a yearly bonus as well? How much? So it increases every year. How much? Last year was $1,500. That helps a little.

But right now it's a 12-year process, which I would rather you go through bankruptcy and clear a lot of this shit except for the student loans, which won't be dismissed via bankruptcy because that would be quicker. Obviously, I still wouldn't recommend it because you need to change your behavior for at least six months before I allow you to do bankruptcy or else you'll be right back here in the same situation again. But yeah, that helps. I'm sure that brings this down to maybe like six years, but even still, it's not great.

The reality is the moment the kid can go into public kind of education of any kind, put them in it and you go get your ass a job. That's fun. Bring in an extra just $2,000 a month net. And with that, let's just say $2,000 total is left over. $30,000, $2,000. We can pay off our debt.

Then that's where, yeah, a full payoff debt and having a six month emergency fund two years. That's incredible. So that is our goal. The entire thing is you have to change your behavior to get here. This isn't just about getting another job. You get another job, your behavior is you spend more money. So you need to follow a budget, go through all of our educational programs, use the budgeting app, follow the budget here, come on the follow up channel and we'll keep doing this process until we get you there. But that is what you have to do. I'll calculate your hammer financial score.

But first, guys, join us for the post show here in a second. Make sure you join Hammer Elite in the description below. Best YouTube membership on the platform. The platform that has told us that themselves is the second largest on the entire platform as well for a reason. So join that. Come watch the post show. Lots of extra shows. Thousands of hours of extra content. Hammer Financial Score for you guys. Spending a budget. You overspent, so 0 out of 10. Debt. There's no collections or anything. It's not the worst debt. It's just really bad for your income. I mean, it is bad debt, but it's not like...

Like the crazy. It's just bad for your income. Two out of ten. Emergency fund. There was like a couple hundred bucks sitting in a couple different accounts. I'll give you a one out of ten. Retirement. You just started, but you're dramatically behind. One out of ten for the household real estate. Zero out of ten. Hammer financial score. It is going to be rounded up to a one out of ten. You can't go to...

Brazil. That's your grandma. She is almost dead. She's actively dying. You know what's cheaper than a flight to Brazil? Not going to Brazil. A Ouija board. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.