If Her Husband Sees This, He's Leaving | Financial Audit
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Hi there. My name is Kristen. I am 28 years old from Austin, Texas, and this is Financial Audit. Thanks for coming into the studio. What do you do for a living here in Austin? I am a social worker at a nursing home.

Social worker. A lot of school. Not always a lot of money. Has done better in the last few years. But what do you make? Right now, 71. See, it's done better. See, it's doing better. And now for a lot of the school that goes into it. But 71. OK, so what's hitting your account on a monthly basis right now? I get about 23 each paycheck. So probably 46.

Wow. Yeah. Okay. So how do you feel living in Austin? How are things going? I more recently. Okay. We're planning on moving somewhere cheaper. We're planning on moving. My husband and I. Yes. Oh, this is a jewel. Yes. Yes. Okay. What does he make? He just started working as a behavioral assistant at an elementary school. So it's a total household. Yeah.

So starting next month, he'll start getting $1,200 a month. And then August. $1,200 a month? In August, it'll jump up to, I think, $27. Even still? Why is he getting paid nothing? He's not quite a teacher yet. So his goal is to get a salaried position as a teacher. But he's just not there quite yet. So $5,000.

800 comes in on a monthly basis. But for Austin, okay, you know, you're in the median. So I'm surprised he's making so well. How old is he? He is 24. Okay. Okay. That makes more sense. So we have a lot of debt. Why is he not here?

Uh, he's working right now. Oh, okay. So what is going on? What are we talking about? I think I have a little bit more wiggle room than I give myself credit for. I, I want to get that. I don't, what does that mean to you? I mean, I don't, I, all of my bills, like there's leftover money and I, I don't do well with it. So I, I want to figure out where to do well with it. I need to put more towards debt. And that's why we're here. I have a lot of debt. My debt to income ratio sucks. And it's really limited. You have a lot of debt.

I haven't made the best financial choices. Why haven't you made the best financial choices? Good question. My husband and I would love to figure that out. He's kind of lost a lot of trust in me financially, and there's a lot I need to figure out. He's lost a lot of trust in you financially? How long have you guys been together? We started dating end of 21. Okay, so where was the trust, and where is it now? There were a couple months last year where...

We weren't meeting rent and that was kind of my- - We weren't meeting rent? - Well, we met- - Were you making this income? - We eventually, like we never were late. We ended up, we got help. - Then what are you talking, you got help? What's help? - We got his parents and my parents. - His parents, were you making this income? - Yeah.

How are you missing rent? His parents. Yeah. So your father and mother-in-law had to cover your rent when you make $70,000 a year? Not all of it. They would cover the portion that we couldn't. But how are you possibly missing?

Okay, I'd lose trust in a partner too if that were happening. Right, yeah. So what? What was possibly happening? I had to pay my car bill. I had other bills to pay. Yes, as we all do and everyone else in this entire literal country. Right. So what was unique about your situation when you made above the median person in this country? I think part of it, I think I want to be able to refinance my car. I have a lot of credit card debt, student loan debt, everything. No, why were you not paying your rent? Right.

I just once those others both came out, I didn't have enough. You just said you have enough wiggle room. You just didn't know. I wasn't up your money. So what do you mean? Well, I mean, I was using credit cards for rent for a little bit for a couple months. For why, though? Again, the mathematics. What's your rent? About 2000 a month. Okay.

That sucks. For the 4,600, was he making any money? Not, he had just moved back. So why are we guys in a $2,000 place at that point? Because if we're bringing in 46 a month. Well, at the, when,

That's pretty brutal. We're talking about 43, almost 44% of your net going to rent, which is pretty brutal. Then we have utilities on top of that. Renters insurance is pretty minor. Internet and then all your bills. Yeah, I can see it starting to become hard. So why are you guys going to rent? That was obviously more than you could possibly handle. At first I was doing okay. And then when he...

He came back. I kind of fell off the horse and wasn't spending wisely. Well, he was he we were kind of long distance for a second. So I moved to he was up in Wisconsin. That's where that's long distance. Yeah, that's where we met. So he was finishing college up in Wisconsin while I was establishing down in Round Rock because I got a job offer. Yeah.

I actually lived with his parents for a couple months while looking for an apartment, found an apartment, did well, and then. What was the price of that apartment? $2,000. It was that apartment? It's the same, yeah. So what went wrong? How did it get bad once he got here? That doesn't make any sense. He was still looking for work, and then when I first moved into the apartment, I didn't have the other credit cards. I only had one credit card. Yeah, why does a credit card matter unless you're f***ing it?

Yeah, so they got spent on, and then I had more bills to pay with the money that was coming in. Why were you spending more on the credit card than you could possibly? And I honestly didn't even think about rent until it was close to due, and then I'd realize, oh, shoot, I don't have the rent money to pay. You're saying your husband, husband? Yeah. Has lost trust in you? And it's because of this? Yeah.

What does this look like? This loss of trust? That's crazy. You guys are barely married. You couldn't have gotten married that long ago. In October. Is he trusting you? What does that look like? It was during our engagement period where it was like, I don't think we're going to make rent. And that's when he... How the f*** did you guys make it past engagement? Love. But he told me...

When we started not being able to make rent, he was like, what do you mean? We've been fine. That's when he found out that I was putting some on credit cards. And he was like, that's when we got our joint account officially started. Because he was like, I want to see what money is coming in and going out so I can figure out where we're going. Single household got it, basically. And now he runs the rent account. So he'll take out every portion. Yeah, so he...

With his bank has a rent account. So you needed him to come in and rescue? He wanted a roof over his head. So he took that portion over. Yeah. Why couldn't you even be considered close to responsible enough to deal with it? Well, I'm responsible enough now to make sure that there's 500 each paycheck that he. 500 each paycheck. Yeah. So we each contribute a thousand to meet the 2,000.

He only makes a thousand. Yeah. So all his money currently goes to rent and he doesn't have, he has some, but he had to take this over because you could not do it. Correct. Uh, but so there's a loss of trust that is obviously critical. I mean, you guys are trying to make it in a full marriage.

what does this loss of trust look like today? What are you like not allowed to touch it? Like what, what does it look like? Well, at this point I've been, as soon as my paycheck hits, I will pay all of my bills. And then we have a little bit left over. He takes the 500 out immediately. Each paycheck. Yeah. But what does the lack of trust look like? It's gotten better. No, for the most part, because I'm able to divvy out. Yes. But what does it look?

like what is what are you talking about it's it's better

It's better, but what does the relationship look like with the lack of trust? You told me he doesn't trust you. There you go. Thank you for an actual answer. He questions a lot of my spending. And I'll go to him. I'll be like, I'm thinking about going to get my nails done or something. And he'll be like, why? That makes no sense. That's $60 that you don't need to spend. Probably seeing how this is a lot of paperwork. So I usually...

Not that he requires me to, but I usually run anything coming out of our joint account, which is where I spend all my money. But you said lack of trust. I run everything by him at this point. Yeah, but you are. He's not asking you to, right? He prefers that I do. Okay. Yeah, he checks the joint account almost daily. That's lack of trust. So I asked before. So it's not that a privilege was taken away. Right. He just monitors everything a lot more closely. So basically.

so that he doesn't have to ask if he sees something that I didn't tell him about. What about the fucking... Before you guys got married, what about the 27 years leading up to that? Or the nine years of adulthood? I have never been great with money. I started working when I was 16. Financial situation growing up, I... I've never really been frugal with any money I've got. Then how did you guys' conversations with money go leading into the engagement, leading into the marriage? Well...

When we first moved in with each other, I didn't have to pay too much in rent. It was only, I only paid 20% of the rent. So that was about $200. And that was,

$200 was easy to pay. Yeah, but your communication with money. So you had to require him to question? You guys didn't talk about what you guys' finances were like? No, not until he couldn't really hit rent. Because there was nothing to question. Why does it have to be questioned? You guys are getting a long term... Everything was fine, but wouldn't you want to know what your significant other's finances look like if we're headed into a lifetime? I knew he was good financially. Does he have any debt?

Student debt. Yes. Federal, private? I think both. But he's only paying his federal. His parents are doing his private. That was their agreement. It's their agreement. It's still an interesting dynamic, I'm sure. Why did he have to borrow so much school? Is it a public? No, it's a private school. Oh, shit. Okay.

Okay. Great. For his $1,200 a month he makes. That's wonderful. You guys didn't communicate. So I'm not surprised that there's a lack of trust now.

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Check it out and get a hold of your finances today. Well, at first there wasn't really much to talk about because we were doing fine. So we just assumed, oh, we're all good. There's nothing really to question. And then once we were able to make rent, it was like, oh, now we have to question it. Well, what's an interesting dynamic that I'm starting to see already in this and kind of why I wish he was here.

Listen, he's not making much money. His parents are paying for his federal student loans. His parents jumped in when you were not able to pay your rent on time. Are they helping in other ways? Right now they pay for groceries, but that's... They pay for...

groceries for a 28 year old who makes $72,000 a year. They seem happy to do it right now. I'm sure they seem happy. I'm not saying that they are evil, but what they probably are doing unintentionally is enabling your stupidity. You bring in household $5,800 a month, $4,600 from you. Do I have all household expenses or just your accounts? I mean, he doesn't

Do I have any accounts of his? It's all mine, but there's nothing else that he's paying for. So there's no other accounts that he's spending in? He has like his personal account, but that's his own thing. Okay, so $4,600 comes in. How much did you spend last month? Probably that much.

Why would you still be in debt or going into worse debt? I don't know how much. I can't put a dollar amount on it, but. You have no inkling of what you spend on a monthly basis? Probably about $4,500. Okay, $6,900. Okay. You spent $6,000. It was basically $7,000 and you're bringing $4,600. You do not leave this studio until you download the Simpler Budget app.

Because you get the premium version. So it automatically connects your accounts and everything. Okay? Okay. All right. And there's the community so that you can ask questions to everyone else as well. Where did that number come from? What else did I spend there? Oh, we're going to go through it. You better believe it. But that will tell you. You will never not be able to answer exactly how much you spent in the previous month. You will never not be able to answer where that money went to. You will build up the categories. It will be automatically connected. You get it for free. They get a free trial.

Before they commit to the premium version, which the free trial is good anyway. But either way, you get that. And just like those who sign up for the annual version, I send them a founder's edition. One of these all signed. You will journal your budgeting process and you will bring that back on and I will read it. Okay. When you come back on the Financial Audit Follow-Up channel, okay? Okay. Will there be like any wiggle room in the budget for like fun or are we all focusing on debt?

What do you want to do? I mean, I want to be debt free, but I don't want to have some. Well, then what the f*** are you talking about? How about you have fun after you get out of debt? How about you already had fun and that's why you're in debt? How about it's time to grow up? It already looks like you're graying anyway. Okay. Well, I mean, fun as in like, you know, twice a month nails done, hair, you know. I don't party or anything. He's even against it. Do some f***ing strap on nails. That's not what they're called. Glue on nails. Press on, yeah. Press on nails. Okay. I will work on it.

But I don't think I spent that much. I can't think of how I would spend $2,000 over what I... It's because you don't f***ing budget. You don't track your s***. No, no, no s***. I used to budget, but... Well, congratulations. Used to is used to. Why the f*** did you stop? You know, maybe it should have been a sign when our literal mother and father-in-law had to pay for our food and rent that maybe we should budget again. How long ago did you budget? In college. My undergrad.

Why'd you stop? Well, I budgeted actually a little bit before I moved into the apartment in October of 23. Oh, good. Now we have a massive rent. I think we should stop budgeting. Why? Well, I budgeted to see because we had two apartment choices. So I budgeted the month depending on the rent of each place to see where we could land. Why don't you budget on a monthly basis? The why?

I'm not good at following it. So it doesn't make sense for me to sit down all the time and plug in all these numbers and then nothing happens. But you'll never follow it up if you don't sit down. You sit down, you see what you did, and you adjust it for the next month.

You build out your categories dependent on that. Yes, action is required. Well, you think you just build it out and it just happens? Well, I get that, but I would also budget and then if it went astray, it's not like anything bad happened. So I was like, oh, well, we don't really. You spend $7,000, you make $4,600 a month. Nothing bad happened? Yes, you have an absolute. Oh, my God.

Listen, I don't see the paperwork anymore before these episodes because I like to go in blind with the audience and find out what they find out. This is way thicker than I thought it was. That has heft. This is crazy.

It could be bigger. I mean, I spend... It could always be bigger. Are you fucking... What are you? I pay all my bills on time and everything. So, I mean... Will that be true? I mean, it's been true the past... Will that be true? Yes. Yes. It'll always be true. It fucking better be. I will lose my shit if it's not. And I don't know because I don't go through them again before like I used to. I will lose my shit. That's what I mean by it hasn't been bad because I pay all my... You're minimums. It doesn't mean your debt's not going... Yeah, I only pay minimums. But, I mean, they still make them on time. Oh, my God.

What do you think your finances are today? Zero to 10. Zero being the absolute worst, 10 being the best. I got to get into this fat stack of documents or else we'll never get through this. Where do you think you are?

Two and a half. Okay. If you want your Hammer financial score, check it out. Take the quiz and we'll tell you exactly where you stand at calebhammer.com or click the link in the description below. And if you want to come on the show and I'll give you a financial beating, give you a wake up call, get you connected with all these resources, you get to meet the team. Have a good day here. Go to calebhammer.com slash apply. We'd be happy to have you here. Here we go. Chase freedom. The freedom to f**k up our entire marriage.

With a $2,490. Oh my. You are literally. Literally $9 away from the max. He's lost trust issues.

Who would have thought? I haven't spent on that in a couple months. $2,490. You can't. You literally can't. Except for like a $2 taquito or something. You literally can't. No shit. That spending probably went to a different card. It had to have with the amount you spent last month. I don't think so. It had to have. We will see. We will see. $2,490.

$2,490.69 with a minimum monthly payment of $80. Okay, so what was the purchase on here? All this interest accruing. What was this? Freedom Rise. I think that one. I don't remember why I got it initially, but less than a year ago, I used it to get hair extensions before I went on with my husband and his family. All right.

I'm going to bring in some cash. Can I have some cash? I'm going to bring in some cash. I need you to do a little math. How much did it cost to get those hair extensions? What was the amount that you spent? The install was $1,800. Okay. And guess what? We're going to do a little math.

Here's a big fat sack of cash. So what you're going to do is you are going to lay out for me and count out for me exactly how much that will cost in the end with your minimum monthly payments after you only put your minimum monthly payments to it and interest accrued until it is paid off. Those hair extensions. Count out exactly what you think it is. I need to do the mental math. No, go 100, 200. One, two, three, four, five, six.

15, 16, 17, 18. Okay, so you think it'll cost 18? Well, you said hair extension, so are you asking the whole card? That's basically what the card was. How long do you think it'll cost you total once it's paid off? Only doing the minimum of the payments. 18, so 19. That's 2,000.

At least $5,000. My guess, probably $55,000. You're okay with spending $5,500 on hair extensions. I didn't spend that much. That's what you are in the end. That's what you are in the end. Well, those were paid off. No. That's what it is in the end. Your cart is all the way up. You just replenish and push it all the way up. So in the end, the way the math works is your one-time hair extensions...

You think it's $5,500. That's worth it? One time you'll pay for hair extensions $5,500. But we won't pay rent. We'll pay $5,500 for hair extensions. But we won't pay for our own groceries. Well, I didn't keep the hair extensions. The hair extensions were only in for like two or three months. So it's even more stupid. Three months of hair extensions was worth $5,500 to you? Well, after the second... Is it worth...

500 to you that's what i'm no that's what i'm saying well guess what either way 6 000 that's what it's going to cost you by the end 6 000 with the way you're doing it 6 000 for three months of hair extensions congratulations that's why i took them out so i wouldn't keep spending money on them but guess what you are still spending a total of 6 000 on them that are already done in the trash gone well you don't care

That's why I took them out so that I didn't keep having to accrue all this on the credit card and just focus on paying it off. You're not. You've only made the minimum. It's $9 to the max. What the fuck are you talking about? You haven't focused on anything. You haven't done a single cent of focus. You don't know what a focus is. Never focused in your life. What are you talking about? $9. $9.

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1% APY on that money. That's like a 16% return. It's crazy. It's absolutely awesome. Get the free money now. Link in the description below. Let's do this thing. Let's make some money. Focus. F*** you, focus. There's no focus. How long have you been focusing? No. $9. That's the focus you've done. $9 of focus. I used to pay above the minimum payment, but, you know. $9!

I'm going to take them all on time, like days before. It doesn't matter what you've done before. There's only $9 on it. So even if you did more than your minimums before, it doesn't matter because you immediately replenished it with purchases because there is only $9. And I'm not even spending on it anymore. Because you have $9.

Whoa. Whoa. How do I get that through to you? You can't. I know. Then don't jerk yourself off over not spending on it. You literally ass. And I don't plan to. Because you can't. This show. My gosh. How long does this take to pay off with the way you're doing it? Probably a lot of years. Oh, that's a great number. At least five. Ten. Yeah.

I can pay it off quicker, right? Yes, but you're not. I will. There is no indication of that. You spend $7,000, bring... I could round up to the nearest hundred. Girl, your husband's parents have covered your rent and pay for your groceries, and you spend more money than you make still. Shut the...

You're not going to get out of it by saying, I will. F*** you. You would have been doing that. Don't pull that. That is not how this conversation is going to go. Oh, Freedom Classic. Chase Freedom Classic. Okay, I didn't know there was multiple freedoms. Well, yes, I did. $4,369. These balances are insane. $4,369.31 with a minimum monthly payment of...

Of 148. Okay, that's also starting to stack pretty aggressively. Oh my, it's only like $130 from the max. So not much you can spend here either. Good, and you didn't, but you only did your minimum monthly payment, $105 of interest. What is going on here? What is this? That was my very first credit card in college. Oh, so we better never pay it off.

What have you spent on this? Random stuff, probably. When did you bring it all the way up? Part of that was the rent that we were talking about. Oh, this is where you put your rent? Part of it, yeah. No. How much rent did you put on this? That one, I think probably two months. When was the last time you had to put rent on this? I assume then the parents stepped in. Like almost a year. It's been several months. And then the parents stepped in. Okay.

Oh, what are they? Two? They come on. They helped only like they only helped once and said, we're not helping out. What is their genuine opinion of you? Do you know? Do you even know? Yeah. And they love me. Yeah, they love me. I love their respect you. Yeah. I think they wish I'd do better, but they love the person that's

I'm going to have a kid with their son probably. But this first credit card that I put the rent on. Who are you moving this conversation? I don't think they respect you. They cover the rent. Once. You're the breadwinner. Yeah, after you put it on a credit card. And now they pay for your groceries. You just got married in October. How could they have a positive opinion about you? Sounds brutal, but how could they? Like, genuinely, how could they?

Because outside of my finances, I'm a decent human. No, I'm sure you're a decent human, but look what you're having to do. You're milking them. I don't want them to keep doing it. Then why do you allow them to? Because I still have to eat. You still have to eat? Why can't you pay for your own groceries if you make above the median household income in Austin? Not household, but medium salary in Austin and the United States. Your household is, though, as well.

I have bills to pay with the credit cards and my car and rent and loans. Yeah, but those were your choices that you got into, so now they're bailing you out? How could they respect that? How could they want their son to be with that?

Just that.

Yeah, that's a pretty big thing. But they also pretty reoccurring forever. Yeah. Because like I said, right now, my husband just makes enough for rent. But in August, it'll go up and look at you. We'll be fine. Look at you. You make a great income. That doesn't matter for a single second. Him bringing in more money won't matter for a single second. Second.

You make great income and then you blow it all and more. He doubles the household income, let's say, in a decade. Doesn't matter. You triple the household spending. Look at you. That's what you've done. Doesn't matter if he brings in more money. Without the change of behavior. And I'll change my behavior. Then why haven't you?

I can say I would do a lot of things, but if I haven't done a single inch to doing any of it, why would anyone believe me? Why would I believe you? I've had good stints. Like, I'll go on, like, two months, I'm solid, good, we're on track. You know that makes you look worse, right? Because that means if you do well after this, I have no faith you continue. And I don't love that. I want to be consistent. Okay, so what have you done to fulfill this want? I...

By nature, I'm just impulsive. So I don't think before. Yeah, but you have to constrain you then by either not, you either need to remove access to the credit cards, need to, again, budget, actually see where your money is going. It literally tells you the day of. I've been meaning to just shred the credit cards. Meaning to, but again, this is lots of I've been wanting to or I'm going to, yet none of it has ever happened. Not one time.

I have scissors. You can cut them up at the end. If you're brave enough. How long does this take to pay off? Probably that 10 year mark. No, that gray is going to extend even further down your scalp. It'll be 15. And that's just with the minimum payment? Or even if I pay above interest? Just the minimum, which is all you do. Borderline maxed out. All righty. Fill a couple tanks and you're done. I think I have a little bit more wiggle room to pay above. I just need to figure out what that amount I need to pay. Girl, you spent $7,000. Yeah.

$7,000. What are you talking about? I don't think I spent that much. We weren't ever in the red or anything. It's math. It's math. It's math. It's math. Okay. How much debt do you have? Just student loans is about... How much debt do you have in total? I'm trying to calculate because student debt is 90... Probably about $150,000.

You're okay with that. It's 160. I'm not okay with that. It's 160. And you say, we haven't been in the red? Your entire life is red. You're not a credit card person, obviously, so I'll do what many in the audience do and all other guests and use the Fizz card. So at least it only allows you to spend what's on your checking account. Slate Edge. That was my second credit card. We owe $4,055.50. With a minimum monthly payment of $40...

Now they're 15 years gone. No purchases. No interest. Is this interest free? Again, this is basically maxed out by $145. I think it's interest free for a certain amount of time. And that one I got in December of 20 or November of 23. But my sister had just had a baby in Oregon and it was a whole family reunion kind of thing. And I wanted to be able to go. Were you making money yet?

Yes, but not enough to pay the whole trip. What was the trip? Well, I had to get the flights for both me and my husband, rent a car, hotel. Couldn't I have Ubered a couple times instead of renting a car the entire time? Well, where we got the- That maxed out the fucking car? No, there were probably other spendings spent. And also rent probably went on that car. Rent? More fucking rent? Are you kidding me? Ah, fees. Was this a transfer? Yeah.

What are the fees? That must have been a late payment. I've never late paid on those. What is the fee then? What is the number? 40. This year so far. Is that not just... That's my minimum payment. No. 40? A fee has been charged to you of 40.

Would that be the interest? It was the previous one. Pull up the thing. I'll show you. Pull up the app. I will show you. No, it is not interest. It is interest free until literally four months from now. Please tell me it's not deferred. Okay, it's not. Jeez. It's going to be 28.24% interest once it hits. That's crazy. But as far as because that card I had used one month.

I guess it was a late fee. Um, but like I told you, I told you that's all it was. You lied. You lied. You lied. You lied. Hey, he can't trust you. I can't trust you. Who the will ever trust you again? Cause you don't even know you're lying. Turn the phone.

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That is f***ed. I told you. How did I even know? I have not looked at this. They have not told me anything. I'm going through it. But through your entire setup, I could tell. With this many documents and how you go about things and the justifications you have used, I knew for a fact at some point there would have been a late. And it was literally just a month previous. Con, I saw it in your f***ing eyes. Those White Walker eyes. I saw it. Late. Yes, and that is late.

Hey, you have an interest-free card. The interest anyway by fees. Why are you late? Huh? I probably just forgot to pay. Why would you forget? Why don't you have our pay? Liar. Liar. Well, I get paid on the 10th. So I just go through all of the bills that I have to pay in that pay period. I probably just forgot. You can't forget. Fees. Fees. Fees are being added.

liar i called that sh** i've been through enough of these now i know exactly who would have a late fee it's you one day is not horrible it doesn't matter it is a 40 thing you are in an interest-free period that's not that i don't have a habit of late pay i don't believe you i simply can't

believe this statement. You told me there have been no late fees and I've seen that this year so far there was one. We're a couple months into this year. I don't believe you for a single f***ing second because either you're a liar or you don't know what you're talking about. And the fact that he can't trust you? Yeah, I understand it now. Jeez. The

You're on an interest-free period. You may as well take advantage of that, but you just lost. You lost it. You lost it by letting that fee accumulate anyway. What's the f***ing point at that point? There is no point. There is no point. It doesn't make sense. It doesn't make sense. I just don't understand why even... Trying to think of what else went on that card. I think it wasn't...

The Invisalign. That was probably the other thing. Is that why I hear a list? So I have been paying, trying to pay it down so that I can continue making the monthly payments for everything. But...

I don't habitually just... I don't neglect it. That's what I meant by paying late. You don't habitually what? Like, neglect paying. That's what I meant by late. You might not habitually neglect paying, but you act like a bitch and tell me the incorrect information. Oh! It was an accident. I didn't... I mean, I didn't realize... Yeah, but how many more accidents are there? Because you don't even know. What? They're telling me that you want to do even more elective cosmetic procedures on this car. After everything's paid off. What?!

What? I had braces so they're like around the brackets it can something with the calcium or whatever. What are you going to do? And I was just fixing a couple chips. Oh my gosh. How much is that going to cost? You don't have money. I haven't even entertained it because I'm not going to pay for it yet. Your parent-in-law's fucking

for your groceries and yet you just choose cosmetics over actually leaving an independent life you did with the Invisalign did with the f***ing Invisalign after you've already had braces anyway well I was getting married I needed to you need brain cosmetics you need brain cosmetics I'll pay for three free therapy sessions from Sondermind alright

Our audience uses them. I use them. It's good therapy. And I'm going to need them after this conversation. I can already tell. This is a blood pressure kind of conversation. I can already tell because I have a fucking liar in front of me. What are we doing here? It wasn't an intentional lie. I just forgot. But I can't trust that. It was a day late and I blanked. I can't trust that. I can't trust that. It's $40. It's $40.

dollars on an interest-free card this would be zero dollars that is the benefit you are getting and it's literally if i saw it for last year who even knows what i would have seen because now i'm seeing only for 2025 if i saw 2024 for all your other cards i bet i would see late payments with how you did always it's a day late it doesn't matter yes it does it is 40 stop stop it get some help that card's 15 the other's so like are you talking on top of each other

What? Like 15 plus 15 plus 10. So that's 40 years I'm going to be spending on paying off credit cards. Are you, you think that's how you fuck? What are you talking about? You think they hold their 15 off until you take care of the other 15? I see now. I see what you're saying now. No, I get it now. I get it now. Oh, fuck. God, jeez. Fuck.

Like I said, I think- This fucking conversation's a special little conversation, isn't it? Or we're here. We're just gonna, I'm just gonna move along. Just gonna have a little, little move along. All right, what am I talking about next? Synchrony? Yes, that would be either Care Credit or Ashley Furniture. Ashley Furniture fucking sucks. I needed a couch for the apartment. Oh my, you little shitty titty. It is $3 from the max. $3.

That's the care credit. F***ing dollars from the max. What are we doing? That's probably the care credit. It is the care credit. You don't have to credit four times. What are we doing? I use it for the vet and I used it a couple of times for dental stuff. I assume no pet insurance. And what is wrong with your teeth? You're always f***ing teeth. Everything is teeth. Well, I had some cavities I had to get filled. So, and those aren't. No more candy. I, I.

I haven't had any cavities since. $89. Well, you're still paying for it. Congratulations. So it's basically a financial cavity. It's in your root canal. Now you have $3 available. It's another 14 years to pay off this 14 years to pay off this $89 minimum payment. Wait, no, no, no. $250 of purchases. $250 of purchases. $250 of purchases. Why? Why? My dog. Why? Why do you not have pet insurance?

Because they don't go super often. So I don't want to- That's why you have health insurance. You probably don't go to the emergency room very often.

Well, I have, it's like $80 a month. What do you think insurance is? Yeah, maybe. I don't know. Age and health? Age and health. Oh, my dog, he is, well, I have two. I have a two-year-old and he's healthy. Okay, that's probably like 45 bucks a month. That's healthy. Okay, and that's probably like 45 bucks a month. So we generally only go like once a year. So it's, I've been paying more to health insurance. Yes, two years in, two years in. They have many more years, hopefully.

Hopefully, those will pop up. What are you going to do then? You have no money. You have three dogs. I'm infuriated. What are you looking at? What are you possibly looking at? Wait, I don't want to see a picture of them. No, look at them. Oh, wow. It actually is a picture of them. They're cute. They're dogs. I love them. They're really sweet. That's congratulations. Maybe you should actually be responsible with them. How are you going to afford a big surgery if one of them eats something bad? That's what happens. Trust me.

What are you going to do? $3 available. Yeah. How are you going to do that? I don't think you're going to let them die. You're going to let them die. You're right. The average person can't. That's why we do pet insurance. I would find a way to save my dog. You just said the average person couldn't. Yes. I will tell you the way. Pet insurance. Pet insurance. Pet insurance. Are you actually what the fuck are you doing? Are you incapable of hearing that word? No, I will look into pet insurance. Your budget.

Perfect. It'll go in my budget and... I'm just thinking that pet insurance, they would have covered like... I mean, once you hit your deductible, of course, they would have covered it. But don't you have to pay up front and then they reimburse you? So either way, it would have... Yes, like most insurances except for like health insurance. Then I'll look into pet insurance for my children. Well, the $250 is deferred, luckily, kind of. Oh, deferred insurance. No. Oh, no. Oh, no.

There is deferred interest of $87 on a small $309 purchase that is about to hit in two months. One month. One month. One month and one week. Yeah, the care credit does that. Yeah, the care credit does that. Yeah.

The plan was to pay it off. It just, it definitely, you've had so many plans to do things. Other things come up. That's why you don't put it on deferment. If you're putting things on deferment, everything will always come up eventually that you're not expecting. That's what life is. Then everything will be infinite deferment. You irritate me so much. I always have a plan. Then the plan never works out. And then I'm going to do this. And then you never do it. Gosh, I don't know. I don't know. It's deferring. I don't even know the percentage interest rate. Oh, well,

32.99, that's great. Just to even give you an example of how bad that is, I just negotiated a new deal for...

just for one of our partners. This is like talking about money and how it can actually grow, right? So Moomoo, I always talk about that for our investing thing. The thing I think I just got, and I think we just signed on it. It's like I put $2,000 in there, right? I remember the audience puts $2,000 or you do whatever. It doesn't matter. Anyone can put $2,000 in. They literally get $150 immediately. It's a great return on investment. It's like 8%. And then there's an 8.1% APY on there.

That is an incredible investment. That is like a 16% return on your money. It's unheard of. It's better than the stock market. It's incredible. Yours is twice as much as that.

That's how bad this is. What a joke. You're just going to let her hit. Do you understand deferred interest? Yes. That one was. So I paid it. Deferred interest to me. Interest isn't applied until six months later and it won't be applied if you pay off everything. And why aren't you paying off everything within those six months?

Well, guys, cause unexpected things happen. Well, yeah. And part of the reason I have to use that is because I don't have it at the beginning. It's no longer unexpected if it's expected because it's expected that unexpected happens. So what do you do if unexpected happens? It's kind of like a safety net. Like if something pops up with my dog, then I have, then I have this to kind of fall back on if I can't put it on my debit. No, you don't. There's $3 on there. What? That will be $3.

Well, can you show me? The $250. Should we go? Can we go right now? Can you take me? That'll take $3. But the $250 was from like a week ago when I had to use it. So now I just have to spend it back down to be able to have some wiggle room. Oh, but they're dogs. They're dogs.

meaning that it could eat something right now $3 $3 we can go we can go fix them for $3 the only one that would do that is my two year old okay so also known as one of them he'll just throw it up yeah until he doesn't and it gets stuck in his intestine hasn't happened yet yet he's two years old so I'll get the pet insurance okay but you don't have it now where do we go for the $3 treatment nowhere hmm interesting what's your credit score

I can't remember what the credit karma said. I want to say it's low 600s. That plus a horrible debt to income ratio. Good luck affording the financing at the vet clinic. But he's healthy now. So now we don't have to. You don't understand. Both of my dogs are healthy, too.

You never know what happens to them. They get a hold of a thing of dark chocolate. You need to take them in to do the vomit thing so it doesn't get into their blood. You don't know what happens. Anything can happen. Dogs are dumb. They're smart dumb. So we'll get the pet insurance and... Yes, but that wouldn't fix today. Pet insurance still takes like two weeks to actually implement after you even find the one you want.

What was all this other deferred interest in here and the non-deferred interest that is accruing to 30%? What is that? Most of that is just bet stuff. It's all bet stuff. So you've deferred all annual checkups to right now, $2,500 of annual checkups. It just automatically defers.

But $2,500, you haven't dealt with your previous $2,500 of that checkup? I pay the monthly... $2,726? Your monthly minimum. Do you not understand what that is? That takes 15 years to pay off without you putting anything else on it. And you always do because you have annual checkups. Talking about lady. Do you not...

A minimum monthly payment, if you're still putting money on it, doesn't actually pay off the card. Do you understand that? I need to make sure you understand that. Do you understand that? I do understand that. My hair's about to get as gray as yours. Okay, come on. I do understand that. I need to calculate to see how much I need to pay to actually advance the interest off the monthly. You know what I mean? Literally, the minimum monthly payment does that. If you're not putting more on there, you always put more on that. That's your issue. Your minimum monthly payment is more than the interest.

Well, that was just one little thing. Like I took my dog to the vet for a follow up last week. Ladies and gentlemen. No, that's not every single time. I took my dog to the vet last week and then my other dog had a checkup this morning and that was all on my debit card. So I don't use it every time. Because you have three dollars on there. That's why you can't use it. We're back to the first card. You would put it on there if you had availability. If I needed to. If you had a...

I don't use it every single time I go to the vet. I only use it if something goes awry and I need to... I don't have the money in my bank account, then that would be the backup. So I don't use it every single time. I see it's going to be one of these type of conversations. Oh, buddy. I still think there's something to work with. Yeah, well, your new husband doesn't really think so. He has more hope than he did before. Ashley Furniture...

This one's kind of cheap, but wait. No. Well, no payments. Okay. Yeah. Wait. No. Yeah. $77. 82 cents. Thank you. No interest is agreed. $14 minimum. Six months to pay off. And the promotional expiry is pretty far. So you'll be good. What'd you get? A couch for my apartment that I moved into. Do you even have it anymore? The couch? Yeah. Yeah. That's the couch that I got in 2023. Okay.

and that's they had like this promotion going and i just oh yeah it's actually furniture yes a promotion going on is very unique for them what is this what am i looking at yeah personal why why please about a year ago um i got a personal loan to pay off credit cards

Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two-week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founders Edition Simpler Budget.

budget notebook and it is signed by me sent directly to you so that's a special thank you for putting your trust in us to create an amazing budgeting app and let me tell you the features that we're going to release throughout this next year are about to be crazy i'm going to make this the best budgeting app that has ever existed seriously download simpler budget now it's incredible the time to take control of your finances is literally right now i paid them off and i didn't use them how many times do we have to do this

Oh my fuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuoooooooooooooooo

What's the interest on this? What's the interest on this $10,667.65 balance? I would have to... Yeah, why don't you have to? Go for it. Why would we know anything? Sure, head it into a conversation about our literal finances when you knew questions would be asked. Good for you, people.

Let me take that. Minimum monthly payment, $331.58. Which at the time made sense because that would have been cheaper than all of my credit card payments combined. That's not the only f***ing factor. That is not the only factor. Do I really? Do I have to explain this to you? No. Then tell me why it's not the only factor.

I wasn't paying attention because I was looking for the interest. Sorry. I paid 11% of the principal. It's not the... Hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey, hey,

The minimum monthly payment is not the only... Well, at that time, I was paying above minimum. The minimum monthly payment is not the only factor. Tell me what the other factors are. The interest. Okay. Guess what? There's more. There's more. What's the other factors? What are they? What are they floating around? If I have the interest and the minimum, I'm not... Grab them. Grab them. What are they? Yeah. Oh, yeah. Find it. You'll have to tell me. Are you serious? I'll find out the interest and the minimum. Are you serious? Yeah. I might be just...

blind to it if you could tell me. No, I'm going to draw it for you because I think that's the only way to get it through. Let me draw this for a time. Can I draw on a little whiteboard? A little whiteboard real quick. This is what we call... Uh-oh! That's not good! Oh, that was so scary! Okay, so we borrow a first one. Oh! There it is!

Earth's alone. Oh, did I spell that right backwards? Earth's alone. So that means we paid off our credit cards. What's the other factor, lady? What's the other factor? We saved on our minimum monthly payments and our interest. What's the other factor? What is it? What's the other factor? I mean, they both have interest. What's the other factor? What is it, girl? The years it takes to pay off. What's the other factor? What is it? What are we doing? What's the other factor?

It's literally drawn in front of you. There's two options on this fucking light for us. What is it? What is it? You'll have to tell me. Are you fucking serious? You then spend on the empty credit cards. Now you have double. Yeah. Are you serious? Yes. Oh, sorry. I'm just, it's Friday here. Losing my damn mind. Oh, my God.

We're going to be here forever. Landmark? What'd you do with Landmark? That's my car loan. Oh, is it? What do you drive here in? It's a 2020 RAV4. RAV4? I feel like I always see commercials on RAV4. Yeah. $26,553.76. I think you've made me... I think... Oh, you betcha. What did you... What's your little minimum payment on this car here? 604. 604.

What is it? 604. That's insane. I would love to refinance it. That my debt to income ratio. Yeah. Cause you're literally stupid with your money. You build it all the way off to your credit limits at every single second. So no shit. Your debt to income ratio is fucking you. It's because you're yourself because you don't know how to, you don't have to fuck yourself anymore. You have a husband now. Stop, stop, stop. Why do this?

What's your interest? On that one. On that one? Well, I mean on that. You don't have two cars, do you? No, no. I don't remember the interest off the top of my head. You make me feel like I'm on f***ing... What is the interest rate? Pull it the f***. Okay. Oh, there's a checking account in here as well. $20. $20.

$20. Oh, that's just 15 random dollars just sitting in there. No, it's 20. It is 20, actually. Well, it's not like I owe the 20. That's like a credit. That's what I said. Yeah. I said in your checking account, it's $20. Yeah, I haven't touched it. How much is it worth, do you think? I don't know. The 20? What do you think? Oh, yeah. No, no, no. The $26,853. What do you think it's worth? I think the 20 is worth 20. What do you think the $26,853 is worth? That car. What little car are you driving around that rad for? Uh...

The 20, the car I got, are you asking how much the car is worth? Because it's, I think it's. Yes. The car, well, I got it for 30, 28, but I think it'd probably only be worth like 15. 19, thank you. Oh, gosh, that took you a long time to get there. Mental math is not my strong suit. No, this is a question. It's an answer. You can just throw it at anything at this point. I don't give a. The interest rate is 9.79.

How much? $9.79. Oh, yeah. Okay, so you're losing it to the market then, depreciating assets. How's the car? What's the condition? How many miles? Mileage is about 50. Great condition. I haven't had any issues. I just do oil changes. Good. Good. Good. $19,000. Jeez.

We might sell it. We might borrow the difference. We have to get our credit cards, our debt to income ratio a little better than you might sell. You might borrow the difference. You might have a $15,000 loan instead and you're getting a $10,000 car out of that $15,000 loan, $16,000, $17,000 loan. But that'll be better than a $26,000 loan. And the interest rate will be pretty similar. It'll be like from nine to 12, but you're going to pay it off quick anyway. And we'll probably do that. Okay. Okay. Sell a car. Oh my fuck.

Yes. I can sell it while I'm financing it? Listen, listen, listen. You're going to borrow the difference. You're going to sell it. You'll make the money and use the money you borrowed for the difference to pay it off. Then you're using the $10,000 of the loan that you're borrowing. But that's Teddy. I love Teddy. What? Huh? My car's name is Teddy. I love Teddy. I don't give a f*** about Teddy. F*** Teddy. It doesn't matter. You have a husband. You don't need to be f***ing Teddy. Teddy's done. We're done with Teddy. Teddy's going to the pound. Pound. He's done. Teddy's done. I didn't even know that was an option.

But okay, we'll sell. We'll sell. Everyone just has their car for the rest of their lives. I have a matching car with a co-worker. So I want to be able. It's a good bond we have. So stop having these bonds. Stop having these bonds. Friends. Bonds with our first credit card. Who gives a f*** bond with our second credit card? Who gives a f*** bond with our co-worker friend? Who gives a f*** if a husband? Bond. Bond. Bond. Okay. Okay. What? What?

Student loans? Is that what I'm looking at? Am I having a little look at student loans? Yeah, that's my Experian credit report. So that's just all of the accounts. Oh, gosh, this is why there's so many pages. Oh, man, it's all just the individual student loans. Oh, shit. Okay, I don't need all of these. You were wrong about your number of student loans, by the way, when I asked you. You know that? How much is it? Let's find out. Because I thought it was about 80 or 90. Closer on the second one. Higher? Maybe.

$109,663. Social work, right? Yeah. So much. Everyone borrows so much. And the income's actually not bad, but it's the income for the... Social work is just my master's. I got a different degree undergrad. The usual general rule is for no matter the amount of schooling you do, your first year's income for the entry-level position of whatever the degree you're getting is...

Should be more, if not equal, than to what you borrowed for it. If you borrow more than that entry level, you done math wrong. That is the general rule. If we're just talking the masters, then I meet that criteria. But it's your entire borrowing for school. That's all that matters with whatever you're going into. Your entire borrowing.

You don't separate it. Yeah, I don't know any social worker who makes above $100,000. Exactly. That's why it's sometimes kind of a degree to get. Not that we don't need them. I get it. I understand it. It's a difficult situation. You got to have the heart for it. But that's also why you grind the out of it with desperate scholarships, public institutions, in-state, community college for what we can. You got to do it a smart way. Okay. Apparently, there's federal. Apparently, there's a private student loan somewhere. So actually, you're federal. You were correct.

It is 86,968. That is crazy. I didn't even know. I didn't even know that there's prep private. That's crazy. That's crazy. We've seen some people get some success working with like a company like a Y refi for potential refinancing. I don't think with, with, with your public service, I probably wouldn't do that. Are you probably trying to go for a,

But maybe for doctors it would be good, dental people. But for you, no. You're probably going for the forgiveness, public student loan? You have to work for a nonprofit. You're not going to? As of right now, I don't work for a nonprofit, and I haven't been looking for any other jobs. Because you have to work full-time in a nonprofit for 10 years.

Yeah, no, it's brutal. Sometimes the return on it's not even worth it if you make less than the nonprofit anyway. And that's kind of what I was looking at with, uh, if I was to transition to a nonprofit, I'd have a pay cut of like 15 to 20 grand less a year. What about government positions though? Um,

There are some state positions, but I don't think that's non-profit. I mean, I could go back to... Yeah, but you can qualify in government positions. This isn't necessarily like loan forgiveness, but to help in paying off, I mean, I've worked at Starbucks several times, so I could always go back as a second job and kind of put stuff away. Does Starbucks forgive? Are you saying to make more money? No, just to make more money to put towards. But it's your spending that's fucked in which job. Because I love my job. I love my job, and I don't want to leave where I'm at. No, I'm not suggesting leaving your job either. No.

I'm just saying with the amount of money. Are you in? You don't owe, it looks like. Not yet. I start owing in May. Okay. Income driven? I was in the SAVE program. Did they even accept that? Well, SAVE program is basically dead. Yeah, it's dead. I was in the income driven and then 2020 hit and I don't really know. I didn't. Well, it's probably going to be like a $950 payment, right? Yeah.

Uh, no. So you're on some kind of program then? Yes, I'm still in a program. I just remember hearing the same program went away. Tell me what payment is doing when. I'm going to move on while you look that up. All right. First mark. Oh, what is this? That's the private student loans. Oh, these are the private? Mm-hmm. Oh, okay.

Yeah, oh, $22,750.30. Kill me now, that's insane. With a $240 minimum to pay with, 96 cents. How much interest accrues on a monthly basis? Does that have to take care of this? - It's a different interest rate per loan. - Well, six and 10, six, 10 and nine. Hold on. Yeah, technically you're paying above the interest that is accruing on here, but it's gonna be a slow grind.

It is going to be a slow grind to pay these off, let me tell you. How'd you go through school? How'd you decide to do it? Undergrad and everything. How'd you do it? Both schools were private schools. Well, there you...

You can do social work for cheaper. Well, I didn't go into my undergrad thinking I wanted to do social work. I figured that out at the end of my senior year of college. I studied pastoral ministries. At private? Yes. Well, that has to be. It was a private Christian school. Yeah. What? And I studied. In Minnesota? No, in Washington. Seattle, Washington. Okay. Okay.

It's still floating. But yes, I studied in Seattle, Washington for my undergrad and then started my master's in 2021. I got a graduate assistant. So either way, you were going for a career that didn't make a lot of money. Yeah. The undergrad... At private institutes. Yes. Okay.

I've always wanted to just follow what I'm passionate about and just. Sure, but you can do it in a smart way. I followed what I was passionate about. I leveraged to get some scholarships. I did what I was passionate about. I had a lot of scholarships in my undergrad. I was able to. I did borrow student loans, but I was getting a better return on investment with the money I was making. I still made money through my music compositions. You went private. You borrowed over six figures of student loans for degrees that do not pay that. I dropped out. I was dumber.

Maybe not that I didn't get six figures of debt. I think my scholarship probably equaled to about 30% of my tuition and then the rest I had to pull out. Pull out? For loans. Like I had to pull out loans to cover the rest of my tuition. All right. What do you think the NelNet payment is going to be? Just think. What do you think? It's obviously an outloading. So what do you think? In the past, it was $187. As long as I can still qualify well for... Checking account, $77. Probably $250. Final answer. No, no, no. $250? $250?

What? Okay, whatever. $2.50. Checking account, $33. Savings account, $44. Yeah. It's all... Oh, my... Here we are. Here we go. Good. I'm glad you gave me time to calm down since the stupid shit from before. Are you kidding me? It's all just damn pages of purchases. It's all just bullshit purchases. It's all... Look at that. Just look at it.

Guys, look what I am dealing with here. Something that is in full control saying, I'm gonna do this, I wanna do this, I wanna get out of debt, I'm gonna get out of debt. But then I look here and it's all just, it's all just, it's all just . Dutch Bros, Amazon, Zelenow 500, Hat Creek Burger, Raising Gains, Dutch Bros, Burger King, Dutch Bros, Dsw, Nose, good thing we only have 30 to go. Ben Winnow, $10, Dutch Bros, DoorDash, KFC,

KFC we're door - unit - oh my dad I have six figures and I'm door - in KC Jack in the Box Amazon Olive Garden first watch which is breakfast Amazon Nintendo that's $4.00 in persons touch cooking who the Burger King it is Burger King but it

Most of that, I just get tired after work. I don't want to go home and, like, put the whole meal on and all this kind of stuff, so I just stop along the way. I don't care. Meal prep, meal prep, meal prep, meal prep, meal prep. I'm tired. You microwave it. It's easier than going to a drive-thru or pushing buttons on a app. You push buttons on a microwave. Spend a million on $40. Domino's pizza. Amazon. Domino's.

Not as far. Water Express. Water fucking Express. We're getting Express water. Can't even drink anymore. Water Express, I'm pretty sure that's a... Can't drink anymore. DoorDash and Burger King. Gas station. Burger King. Burger King. Well, the gas wasn't gas then because it was very cheap. You went in there and you just...

- Popeyes DoorDash, Popeyes DoorDash, we're getting Popeyes DoorDash. Don't worry guys, we're back with Burger King DoorDash, then we're DoorDashing Wingstop 'cause we have to DoorDash every second of our life. Domino's, Dash Bros, Dash Bros, Venmo now $14, Dash Bros, guys, we really wanna pay off debt, we're really gonna pay off debt. Torchy's, McDonald's, Steam Games,

Domino's, McDonald's, Taco Bell, Torchy's, Culver's. And I love me a Culver's, don't get me wrong. Painting with a twist. You know what a really good twist in this would be? Being an adult. That'd be an incredible twist. I would love to see that. Dutch Bros, Taco Bell, Dutch Bros, Door Dashing Mighty Fine Burgers, Taco Bell, McDonald's. What the is this? What a joke. What a joke. What a joke. Jeez.

That's crazy. $800 of fast food. Nearly $1,000. You ask me if there's no way I could have spent more than I made. There's no way. There's no way we're in the red. We've cut down recently, I think. Shut the f*** up. If this is cutting down, I'm going to f***. I'm going to sleep. Not that cutting down. I mean, since that point. Oh, shut the f*** up. I'm on financial order, so I'm going to do okay for a week. Come on. That's the usual. That's an infinity f***ing stone. Oh, that is bingo. Ding, ding.

Guys, I did better for a week before I went on the show where I knew my finances were gonna get called out. I don't think either of us realized it was that much. So once we, now that we know it's that much, we're, I mean, it's not gonna... Chase, $1.95. It's more!

I'm going to retire. DoorDash and wing stuff. Torchies. DoorDash. Dutch Bros. Apple Bill. DoorDash and Torchies. McDonald's. DoorDash and First Watch. Breakfast. McDonald's. Apple. Dutch Bros. Spotify. Ben went out $10. All well. Mommy and daddy-in-law take care of us. Just the groceries. Yeah, just the groceries. Yeah, you have groceries taken care of you. You spend $900 going out to eat on a monthly basis and you literally get free food. F*** you.

Stupid. Stupid. I'm pissed. I'm pissed. That's the dumbest, most entitled bulls**t I've ever heard in my entire f**king life. That is so f**king stupid. That is so stupid. I'm going to have to... Between here and the post show, I need to like step aside for a second. So f**king stupid. This is so stupid. Your minimum monthly payments, not monthly payments, is $1,797.78. Meaning that is...

A loan, 40% of your f***ing net income. Your rent, you do $1,000. Because apparently we're separate. No, I did household. I did household. So we're doing the full f***ing monthly stupid expenses. What's his student loans on a monthly basis? Student loans right now, $240. For him? Oh, for him, $3 something. $350. Okay, rent, $2,000. Utilities, total? Usually $150 to $200 a month. $200. Internet? Internet.

- It's covered by the red, our complex covers. - Phone bell! - One. - Why? Why would it be in the three digits? - I think it's 140 something. - I live here, T-Mobile has good service. Switch to helium $15 a month. What the fuck? - I had T-Mobile and then I switched to AT&T 'cause- - Congratulations, you can't afford it. 150 you said? - Yes, roughly. - When you pay that off then you can switch. Gas, vroom vroom, drive drive for both of you. How much?

like 150 a month for both yeah we don't car insurances both um he doesn't pay his car insurance i pay about i just switched so i could save 80 dollars about 117 yeah 117

No groceries. TP fund. Anything else for you guys to survive? That's $200 for TP fund. Medical health care. Anything on a monthly basis? It's about to end. I was paying 62 a month, but that I think I have one or two left and there's no interest on it. The other one, I don't know what's happening with it. What? The medical medical what?

Uh, there was, I had to go to the ER last year and I didn't have insurance. Medical debt? Yes. I thought that's what you were asking, but health insurance just comes out of my paycheck. So that 46. Yes, but like ongoing appointments and medications. Uh, there's not like a monthly thing for that. No subscriptions for either of you. Pet insurance. I'll do 90. Pet food. How much on a monthly basis? Uh, monthly? Uh,

His is probably about 160. But yeah, it's usually every other month. So I... I'm so glad we're at the end of this. Anything else that needs to be in your household budget that I have not taken into account? Anything else that needs to be in your household budget that I have not taken into account? That should be all that we spend. We have an extra, I'm going to call it $750 on a monthly basis. Legal room. How much in student loans does he have?

I don't know. What do you think? Probably 30 something. Call it $35,000. So $195,604. It might be less. I don't know. Takes 260 months to pay off your debt or 21 years. Increases income. Pay it off in 10 years. Declare bankruptcy. And I'm done. I'm done with this conversation. You lied. You've misrepresented. You gave horrible answers. What the fuck?

I don't understand. I am being a dick right now, but I'm done. I don't want to be here. I don't want to be here. I am a person in the end. I don't want to be here. 20 years to pay off. Go public sector. Get that vast majority forgiven. Make him go public sector. Get the forgiven 10 years. Blah, blah, blah. Figure that out. Maybe it takes five years to pay off the rest of the debt. You can do that. Go through bankruptcy. Student loans wouldn't be included in that. And that's your biggest chunk. So don't do that. You know.

If we declare bankruptcy, though, we can't, like, get a house in the... Eventually down the line. You're thinking of getting a house. Eventually. What?

Oh, in 20 years, we're moving and rent will be a lot cheaper. We're going. There you go. Cut down on rent. There you go. That does a lot. Double his income. Get your raises. Work part time. We could probably get this done in about seven years. It is going to be a grind. It is going to be a slog. You better come back on the follow up channel. You better show me. I'm sorry. I'm done with this conversation. I can't do more. Seven years. I think you could do that. Cut the rent. Increase his income to pick up a second job.

Okay. Join us in the post show where I f***ing f***ed myself. I had the state of Wisconsin f***ing dollars last year. Because you didn't pay your f***ing... I didn't know that they weren't getting taken out. Because you didn't pay your f***ing taxes is why my money had to come in and pay for your own s***. Are you kidding me? You're putting payments... You're putting furlough. You're winning... Just once. Just once? Just one mispayment. Mispayment this year. To watch the financial audit post show, click the join button below.