$216,000+ In Debt, But Says “Gambling Is More Fun Than Growing Up” | Financial Audit
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to watch episodes of financial audit a week earlier check us out on youtube you're leasing to your husband yes why and then he gives me money every two weeks he gives you money but you make double what he makes it's not fair because you didn't inform him of your situation before you guys got married he didn't know about any of this you have debt taking any responsibility growing up pretending like you're actually in your 40s like an adult for the first time in your life and actually take care of your debt

Hi, I'm Melissa. I'm 42 years old. I'm from Lubbock, Texas, and this is the Financial Audit.

The financial audit. That's what people always say. It's the financial audit. Let's see if your audit is the financial audit. Thanks for coming over from Lopit. I know that's a pretty far drive. What do you do for a living there? I'm a nurse. Okay, that's a wide-ranging career. There could be a lot of money there as well. What do you make as a nurse? My current salary is $84,000.

Delicious. Okay. $84. And are the bonuses anything on top of that? Yes, but they vary significantly.

So from like $500 to $2,000. So I don't ever count that in my salary. Okay. Now, you're a good income earner on the higher end of the income scale. Yes. I swear, a lot of the times when people come on with the high income, it means they usually come on with the high debt and the high, like, what the f***. Uh-huh. So what's going on? Well...

Well, I like to go to the casino. So I feel like I have extra money. So my extra money, I'm going to back up. Okay. We'll start from the beginning. It's also trying not to hit the table. 87 years ago. I'm just kidding. I did not know about investing until like eight years ago.

I always assumed that I didn't know about investing. I knew there was stocks and stuff, but I didn't know what any of that was. So I always thought wealthy people saved their money. Oh, okay. I thought you were about to say gamble. What?

Well, you said gambling or casinos. Okay. So I would save my money and then I would get enough saved and I go to the casino trying to hurry up to become a millionaire. But you just told me you thought wealthy people saved. Gambling's not saving. I'm confused. How does that correlate? I don't know, honey. I don't know.

Well, because I wouldn't like put it on credit cards. I've never been called honey before. I feel so appreciated. I wouldn't put it on credit cards. I would save the money to go gamble. That's what you're supposed to do. So save money and then spend it. That's how people got wealthy? Well, I never looked at it that way. Oh. But like I'm saving money to do the things I want and not.

Okay. How often do we go to the casino then? Well, it depends on what season it is. Okay. So let me explain. It's seasonal. Casinos are seasonal? Well, for me, yes. So in Oklahoma, during the summer, June, July, and August. Yeah. People love to go to Oklahoma for that. It's wonderful. But they have the million. Not for your wallet. Well, yeah.

Well, the rooms are free and I get free food. Yeah, so you can gamble all your money. What do you think? Okay, so in June, July, and August, they have the million dollar drawing. So, of course, I'm going to go. Of course. June, July, and August. Yeah. It's the logical thing to do, of course, yes. But then in between that, we don't go. Only every once in a while. So when's the last time you've been to the casino? Three weeks ago. And when's the next time you're going to the casino? Six.

Like, I'll leave here and go to the Friday. No. You're coming from this show and going to the casino. But it was so... How much did you lose last time you went to the casino? I don't... Okay, so my budget for the casino... Budget? You have debt! I knew you were going to say that. Well, then why the f*** are you going after you're coming out of here? It's not a joke! Well, wait. So it was already planned. I don't care. You haven't spent... Everything's...

The rooms are free, right? Yes. So you haven't booked. Well, you won't lose money by going away. No, I can't cancel. Why? They'll charge me. Okay. Then get charged. You're probably going to save more. No, I only. Okay. How much did you spend last time at the casino? $1,000. It's not a lot. What are you talking about? It's not a lot. A thousand dollars is a lot of money. Well,

Well, no, I don't think so. What? No, I see people like... Oh, I don't give a f*** what other people do. What? Like at the roulette table, they're... Who cares what other people are doing? $1,000 is a lot of money. I just put like $20 in slot machines. Yeah, but $1,000 is a lot of money. For the whole time.

You thinking a thousand dollars is not a lot of money is why we're in 216,000 hours of debt. That could have a little to do with it, but I don't, I don't think it's all to do with it. How, how? Because if you're going to the casino right after this and you went to the casino and lost a thousand dollars just a couple weeks ago, while you have debt, how is not, how is that not an issue? Well, I,

Well, honey, I don't have an explanation for you. What? You just told me you don't think that is the issue. Well, go on. Okay. So I save the money and then I go. Yeah, but shouldn't the money be going to the debt? Well, I put money towards the debt. Minimum monthly payments. Well, no, I pay a little bit more. Barely. I know. Barely. So you know. So why? So do you care about getting out of debt? Is this conversation even worth having? Well.

Well, yes. No, I do. But it's because it's June, July, August. You're June, July, August. Get out of debt. Yes. And September, October, September. Like, yes, that is what we need. September. Why? Why is it a delay? Why are you delaying your life? Well, because. Wait, why is gambling more important than getting out of debt?

Why? Well, it's so fun, honey. It is so fun. You just go sit. I get it. It's fun. Why is fun more important than just basic security? Well, because we don't know when we're going to die. Then guess what? If you die tomorrow, you won't know that you missed out on gambling. So it doesn't matter. Prepare for the higher chance likelihood that you're going to be alive.

Well, that is true. You're making some really good points. Interesting how that works. Yeah, I do agree with that. Cool, then you're not going to the casino Friday. Well, that's something I will consider. Who's we? You said we. Well, me and my honey bunny. Your honey bunny. Yes, my honey bunny. Okay. Yes. I thought...

I was the honey. No, you're honey. Oh, he's honey bunny. Yes. Okay. I got you. I don't know. There's nothing wrong with being in our 40s and having student loans. I don't want to do it as a shame thing. But if we have $61,000 in student loans in our 40s, I don't think we're gambling $1,000 every couple weeks. You know you're gambling it. So I don't know what the fuck you're talking about. Well, it's June, July, August.

But that's because that's my master's on there too. And then it was COVID. I don't give a shit. It's still student loans. No, I'll pay it back. But they put it in. Yeah, why not pay it back quicker? Well, there's so many. Oh, gosh, look at that stack of papers. There's so many other things to pay. So why not pay them off then? Again. Yeah, yeah. No, instead of going to the casino. Well, yeah.

Because it's fun. Why not have more fun later on, though, by just getting our shit in order once. One time. One time. Well, you do make good points. Yes. You do make a good point. But the way I see it is like it's already booked. We already booked it. Like, we have to go. What's the fee if you cancel? $500. Wonderful. So you saved $500. Well, I...

Yes, because I spend the $500 a day and we're only going for two days. So that is $1,000. So your math checks out. Your math is correct. Just find other fun. Oh, wait, wait, wait. It's my daughter's birthday. And that's. Who's your daughter? She's going to be 19 this year.

You only have to be 18 in Oklahoma. These are great habits to build as a young adult. Well, yeah, she's such a good kid. She's in college and she's such a good kid.

And I'm going to give her the money so she don't have to spend any money. Why not be, that could be paying for her classes or something though. Well, yeah. I think that's better for her life. Yeah. She just moved out into her own little apartment. And so I helped her to, you know, furnish it and all that good stuff. So it's her birthday. You want money? Yeah. Well, she wants a lot. She don't know how.

You don't know how you lose it every time. Oh, I know. Well, sometimes I win. Sometimes I don't. Yeah, and then you lose it, probably. Well, I'm going for the gold. I want to win the jackpot.

So is that the actual, are you around or is that like literally what's in your head in terms of your retirement plan instead of actually getting your order? Oh no, I don't think I know. Oh no, I have retirement. I know, but you are behind for your age. Kind of. No, I think it's kind of behind. It is. So let me explain. Let me explain how all this happened. I'm going to explain. And then we'll get into the document. Sure. Okay.

So in 2019, everything was going great. I had a job that paid $100,000. I saved up enough, bought my house, remodeled it. No debt. Entire house? Really? Yeah. Well, I didn't pay cash for it. But, you know, what are you talking about? No debt. What do you think debt is? Well, yeah, I had the house, but no credit card debt, no car payments, nothing like that.

Guys, there was no debt. I only borrowed the money for it. Yeah. Well, and then 2020 came and... Fun year. Good time. It was awful. But I had a lot of family pass away back to back to back. Whoa, really? And not all of them had life insurance. And that was really rough.

And so because there were so many people that passed away. How many people? Can I ask? It was five. And like very close? One week apart from each other. No, no, no. Like very close to you or is this like far extended? No, no, no. Oh, wow. I'm really sorry.

daily part of my life people. And not all of them had insurance. Was it all from? COVID. Really? All of them. My family is all pretty old, but they ranged in age from 36 all the way up to 72. No, she had a heart condition. Yeah. And then one was 52. But anyways, they all passed away and not all of them had life insurance. Okay.

Okay. Which I'm assuming you're, we're thinking funeral costs right now. Funeral costs. And then at the same time, so I had to take off work, but I took the short-term disability. Okay. And so my pay was cut to 60%. Sure. But I didn't. So $60,000 a year, still not insignificant. Well, okay. So I say $100,000, but my salary was 60,000, but I drove a thousand miles a week.

And I got reimbursed. Okay. Did the reimburse cover gas one for one? Well, yeah. But whenever I got the short-term disability, it was 60% on $60,000, not 60% on $100,000 because the reimbursement didn't count as my salary. But did the reimbursement even count for anything? Well, no. No, my reimbursement checks were like...

bigger than my paychecks. So yeah, but were you using that all in the gas and travel? Oh, no. I would have a lot left over. But then at the same time, all the people died, I went down to what is it $40,000 versus 100,000. And then I had to have reconstructive hip surgery. And

and my um was was that was their honey bun extra income though well my honey bunny yes he does work but we don't combine finance well is that you guys married yes we're married why don't you combine i don't want to why well okay what if something happens and i've

Depended on like his income and then something happened. It wouldn't be you depending on his income. If you guys combined, you'd combine across the board. Your budget in general for the both of you for the household would be depending on the total income, which is both of your incomes together. It's not my income, your income. It's the household income. Then there's household expenditures. And that includes fun. That includes everything.

I don't want a combined income. Okay. What's mine is mine and his is his. And then he gives me money every two weeks. Why? Well. You're his honey bunny or his sugar baby. I'm sweet.

That's what he calls me, is sweets. Okay. And he has no problem combining everything. How much does he give you? Well, so he gives me $600 every two weeks. Why? It's so weird. I don't think it's weird. It's weird for like married couples, kind of. Really?

Well, yeah, if you guys were combined at all. I mean, what his is his, his is mine. That's not usually the marriage oath. He doesn't have any debt at all. And he didn't know about any of this. Is he not on your mortgage? Because there's a mortgage in here. Okay. We've only been, we've been together for 14 years, but we've only been married for two years. This is messy. Okay. Yeah. Yeah. Why does he give you the money? 800 bucks? Well, because like to contribute to household costs.

So this is a contribution for like rent? Yeah. Yes. You're leasing to your husband? Well, there's not a lease. I know, but that's how it's like looking. Oh, I didn't think of it that way. No, he just gives, you know, that's... Okay. How long have you guys been married? Two years. Okay. But we've been together for 14 years. So you had to pay for the funerals. Yes. Had to pay for the hip surgery. Okay.

Okay. Well, insurance. Well, yeah, but the deductible. Yeah, how much was it? $5,000. Okay. Okay. And then so I couldn't work for a year and a half because that was the healing time on the hip. What the fuck? But I lived off the 60% of my pay, the short-term or long-term disability. Okay, yeah. But I don't think that I adjusted...

My lifestyle, I guess. I just kept doing what I was doing. And then now here. What do Mattel, Banana Republic, ButcherBox, and Glossier all have in common? They power their businesses with Shopify. Shopify is the most innovative and scaled commerce platform on the planet that also happens to have the best converting checkout on the planet. And that's no industry secret. That's Shopify.

Learn more at shopify.com slash enterprise. We are today. Well, when was this? Oh, 2020. Yes. So you went back to work mid-2021? 22. 22, so the bad stuff started mid-2020? Uh-huh. Okay, so 2022, went back to work. We're 2024 now. Why does this debt still exist here? Because you ended up going back to work, you make a substantial income, and you get an extra $800 every couple weeks. So why does the debt still exist? Well...

I don't know. Probably because we're choosing to throw it all at the casino. Well, that's what I don't understand. Really? You don't understand? How do you not understand? What do you mean? That's stupid. Yeah, I don't understand. No, you understand it. No, I don't. What do you mean? We just talked about how you're dropping thousands. Well, you know, how do you not understand it? It's like literally you're saying that. Well, it's like June, July, August. Yeah, but...

There's so much. I don't know. I don't know what's happening. I've never. Okay. When you stop at the gas station and spend $200, does that fill in a tank of gas or what else are you doing there? Oh, yeah. Oh, yeah. Which happens constantly. Yeah. What is it? Well, I smoke cigarettes. $200 in cigarettes? Well, that's for the whole month. It's not lotto tickets or anything? Yes, I do buy lotto tickets.

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Why don't you stick around in your girl's life a little more and stop smoking? Well, I've tried vaping and that's terrible. Well, it's higher nicotine content usually. Have you tried to quit? Yes. I took a...

Can I say the name of the pill that I took? Shantix. It's a pill? Yes. To try to quit smoking. It was awful. Is it a nicotine pill? Well, it's supposed to block the nicotine from entering the receptors. And it was awful. I had terrible side effects. But like, I would rather you stick around. Yeah. Yeah. Okay. Yeah. All right. Give me a second.

Give me your, where do you think your finances self-assessed are today? Zero to 10, 10 being the best ever, zero being the worst ever. Where do you think your finances are right now? I would say like a two just because of the house and I do have a little bit in retirement. Like a two, solid two. That's two things that's good. If you want your Hammer Financial score, it's free. Link in the description below. Also, if you have an interesting situation, interesting finances, opinions you want challenged, feel free to come on the show. We're happy to have anyone apply.

Oh, Kalehammer.com slash apply. All right. Well, let's get into these debts because there's a number of them. There's so many. And my husband did not. This is why we go to the casino and get fractures and cigarettes. I know. Well, maybe I'll win and could pay it off. My husband. Yeah. And how's that gone over the years? Oh, it's not. It's not working. Okay. So yeah, let's keep doing it. No, it's September 1st. That's like the day that we're.

Why not make it today? Well, it's just two more weeks. I've been doing this for 10 years. Two more weeks and you know you're losing. Sorry. Yeah, I don't care. How much do you think you've spent on casinos and scratchers and lotto tickets and all that shit over the years? Oh. 10 years, you said? Oh, well, no. That's probably a lot. How much do you think? Over, let's say, 10 years. I would say, I don't know.

Like $20,000 is not a lot. I don't take a lot. I highly doubt it's that little. I would probably guess more $40,000. Really? Yeah. And I have never looked at my statements, so I don't know what I spend my money on. All right. Please go through our budgeting class. Yes. Please go through it. I'd go through it with the honey bunny as well.

Go through it. Take the quizzes. Go through the education. You guys can get it. You can also get it with the investing class now bundled at 15% off, by the way. Check that out. But that's okay. So PayPal credit.

PayPal credit. Easy to sign up for. Always on the different programs. Oh, let's sign up for PayPal credit. Yes. Every time you're at checkout on any online thing. $4,205. Not insignificant. But guess what? This summer's a gambling. This summer of gambling, probably, if you include like the lottery tickets and scratchers, probably could have paid off this card. Oh, well, yeah. Yeah. Yeah.

Well, but then I wouldn't have any memories. Memories? Memories of losing money? F*** that. Go to a park. What are you talking about? Memories. You can have fun. That doesn't mean losing $1,000. There's fun that doesn't cost thousands of dollars.

You guys could have had a couple nice dinners over the summer with you and your daughter. Well, we do that, too. And it would have been cheaper. Of course you do. But it would have been cheaper, and you would have had some memories. Yes. Your only memory is going to Oklahoma out of all the states in the entire country. Oh, I know. And then gambling out of all the things. We went to Las Vegas, too. Oh, yeah. The Mecca for you, right? Yeah.

I honestly, I don't prefer Las Vegas. It's just too big, too much. But we never know when we're not going to be here. Like my whole family. But again, if you die, you won't know that you've missed gambling. So why not prepare for the statistical likelihood that you're going to make it a little longer? Maybe not with the smoking. With the smoking. Yeah. It could happen any day. Well, so let's like also quit that. So let's have fun. Easier said than done, but let's.

Like, if that's your mindset, this conversation is pointless. It really is. Because I want to because I have faith in Caleb that. No. Yes. No. That you're going to figure it out. That's not how this works. That's not how this works. Not at all. I will call out your bullshit. I will let you know what your situation is. And I'll create a broad budget to kind of understand your situation. You're the one that has to put in the work. I'm not a magic pill. I can't do this for you.

Well... There's no faith in me. No, I do. It's faith in yourself. It's putting your... Yes, I'll try. I'll try. Okay. I'll do it. You know what? I'll do it. Okay. So you're going to die tomorrow. Okay. So all this, all this, what's the point of you even saving up for retirement? You have retirement set aside. So what's the point then? Because in the event that I do live, we got to have something. What are we doing? I think I'm making excuses. Yeah, no shit. I don't know.

$4,205.73 minimum monthly payment. $144. No, you did not put extra on this one. Interest charge $103.17. Thank you for not purchasing on it. No, I don't. I don't purchase. But you're 30% interest rounded. Wait, wait, let me tell you the PayPal. So when everybody died, I had to help family get...

to come to the funerals. And so I put a lot of the expenses on that. To get them their travel costs? Well, some of them are, I know. Listen, I understand maybe you're paying for the funeral stuff. Maybe, you know, maybe that's your heart. Maybe you felt responsible for that. But for other people's travel to it? Well, yeah. I mean. That starts becoming almost, it's really hard because it gets in the situation of just death and family. Of course, that's obviously beyond complicated. But,

It almost feels a little selfish on their part that you would be paying for their transportation. Well, they're so young. They were so... What's young? In their early 20s. And so, you know... What do you mean? I moved here in my early 20s? You think I had to... I needed someone to absolutely cover that? Well, and I'm the big cousin. So, I don't know. I feel responsible. The big cousin? Yes, I'm like... So, it's not even siblings? No. You're younger cousins. I'm the only child. So, yeah. The...

I don't know. I just wanted to help them and PayPal. Is your family situation just weird in general? Oh, it's bad. It's awful. What's so bad? Well, there's a lot of addiction in my family. Obviously, you know, me, the cigarettes. I ain't potentially gambling. No, I've checked that to make sure. You've checked it? I have. Took a survey. To make sure. But...

A lot of really bad addiction. And so my cousin's father... So they have addictions? Your cousins? No, not my cousins. Their father. He's passed. He's one of the ones that passed away. Oh, probably the addiction didn't help? No, that didn't help. And then my mom, she's an addict as well. And so for a long time, I was her... Like by paying her bills and stuff. Oh, I don't know if that helps. No, it doesn't help. Can I ask the addiction? Yes, it's...

So, no. When I would pay her bills, all that would do was give her more money in her pocket. So, I stopped doing that. Exactly. Good. When did you stop doing that? About two years ago. Okay. What has happened over the last two years in that relationship? Well.

I don't really talk to her anymore. I just, I can't. You know how she's doing? The last I heard, she's in sober living. So I'm hoping, I'm hoping, I'm really hoping. And then maybe we might be able to reconnect if there's long enough. Yes. If she goes long enough, then perhaps. Okay. Well, with the PayPal, at the current rate of your pain, it's going to take 18 years to pay it off.

18 years. To pay off $4,000? But again, let's gamble instead. No. Yes, by the way you're doing it. The payments you're putting towards it, yes, that's how long it takes. 18 years for $4,000? Yeah, because you're only putting the minimum towards it. It's basically a 30% interest rate. That math doesn't seem right. Take a look at it. It literally tells you. There it is. 18 years, only paying the minimum payment. It's literally right on there.

It's like it's literally if you ever looked at a statement, you would see it. No, I don't ever. I just look at time to start looking. This is another thing where it's helpful to have united finances because you guys are able to have conversations about it and, you know, pull from each other's brains as well.

Did you even know it was at 30% interest rate? No, I thought everything. This is another thing I didn't know. I thought all every credit thing was at 27%, like all credit cards. I thought that's much better, but well, I didn't know that things varied.

Do you know how bad 20% is? 27% even? Yeah, it's bad. Your retirement account, you have retirement. What is it? It was like $40,000 or something? $50,000. Usually, if you're invested in the overall stock market, in general, if I open up my portfolio, I open up my MooMoo investing app. Okay, cool. I have that. I open it. And if I'm in a relatively broad portfolio like yourself...

On average, you're probably only getting a 10% annual return. This credit card is basically at 30%. So that's – I'm so glad we're talking about it.

I'm really glad we're talking about this. So do I stop putting into my retirement account to do this? I would take your match because that's a 100% return on your investment. And that's obviously 70% better than that card. But other than the match. Don't put extra. Not yet. Okay. Because again, if you're not getting a match, the best you're going to get on average is 10%. Right?

Or 8%, really. So it's like with that 30%, we need to kill it. We need to murder it. We need to snuff it out in its sleep. So that's why I came here, advice like that. Because I didn't know what to do. And so let me tell you how I treat financial advice. So you watch all the YouTube. You read all the books. You watch Caleb and you watch what is his name? Yeah, but I've never said to do that. Ramit. I know. Ramit?

Dave, you know, Ramsey. You watch all these YouTube. I watch all these YouTube people and I treat it how I treat religion. I just take parts of it that I like and try to make my own thing. Listen. And it's not working. I think you're talking Ram, right? Yes. Maybe that has a name. I think so. And he says, live your rich life now. So that's what I'm doing. I can't speak on that because I haven't watched too much of him.

But if you're taking any pieces from me or Davey Boy, that's not reflected in here in any way whatsoever. I have $1,000. Okay, so that's the one thing you liked. You took that away. Yes. Okay, but nothing else apparently because you didn't like anything else. Yeah. Does Ramit...

I actually probably shouldn't allow you to speak for him because, again, I really don't know him too much. I've heard of his existence. I only watched one or two YouTube videos of his and one of them said, live your rich life now. Yeah.

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That's why I have so many different checking accounts. I highly doubt he means going to 30% debt. Yeah, well, yeah, no, he did not mean that. No, I agree with that. But I have so many different checking accounts. Two. Yeah, two. And then the savings is because I was trying to keep things separate. Let's try not to hit the table. And I just...

Yeah. It's so much. It's so overwhelming. Let's keep plowing forward. Okay. City simplicity. Nothing about you is simple. I'll tell you that.

$5,352.04. Again, you just made the minimum monthly payments. I don't know what the f*** you're talking about with your paying a little extra. Well, wait. You'll get to it. You'll get to it. Okay, so it's on a select item? Okay, great. So you made it sound like it was broad. $158.66 is the minimum monthly payment.

$104 of interest. Golly. Remember I told you it would take eight years to pay off the last one? Uh-huh. How much do you think it takes to pay off this one with the way you're paying it off? Well, this one was 18 years, so probably about the same. Oh, it was 18? Mm-hmm. 21. Oh, my God. Way in your 60s by the time this card is gone with the way you're paying it off. Because again, gambling is more important.

22.74% interest rate. 22. We're getting a little better. That's not better. It's because of the whatever purchasing you did or maybe this was a transfer. Yes. Oh, that's why. If it was a standard purchase, it would be a 29.99%. So you transfer down to this. Transferring doesn't work for you, obviously. It's at zero. No, it's not.

When did it... Oh, yes. That's the one that the zero is gone. Oh, my gosh. This is why I don't even like people transferring anymore. You have to be a credit card person to take advantage of transferring things. You're not a credit card person. You don't want to manage credit cards. You probably...

had a credit card, probably transferred it on this is 0% and now interest is growing. You probably built the other credit card all the way back up. Yes. Oh, no, no, no, no. No, I don't charge it on the cards. No, no. When you transferred this though, what did you transfer it from? Uh, probably transferred it from a chase card. And did you not spend another cent on that chase card afterwards? Really? Well, the Coursera it's $50 a month. I need to get that put onto, um, my, one of the checking accounts.

City double cash. What's that? What is it? What do you mean? What's that? That's your credit card that you have. I think it's a new one. Is it a new one? I don't know. But interest is accruing. This one takes 19 years to pay off the way you're doing it. Actually, no, you put a little extra towards this one. There you go. Well...

Yeah. You put $200 extra towards it. Yeah, that's good. You're about to blow $1,000 at the casino in four days. I don't think like that. Obviously. Or else you'd be out of debt. I know. I know. Yeah. Okay. Well, it's not a valid excuse saying I don't think like that. That's not a, okay, you're good. No worries. That one has interest? Yeah.

I thought it was zero. I have so much credit cards. Girl, it's charging $159 a month in interest. What the f*** are you talking about? Well, I need to transfer that one. Transfer that one? What do you mean? Last time you transferred. What do you mean? The last one you transferred is sitting at growing interest. Well, because I don't know which one to pay. Are you supposed to pay the 0% interest? Are you supposed to pay the high interest one? Which one are you supposed to pay first? I need to get your entire situation. Okay. And then I'll tell you. Okay.

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$6,854.33 on this one with a $228.67 payment. This was also a balance transfer. You're just balance transferring to balance transferring to balance transferring instead of actually ever...

taking any responsibility, growing up, pretending like you're actually in your forties, like an adult for the first time in your life and actually take care of your debt. You're just bailing a transfer to balance transfer. Well, they have 0% interest. No, they don't. It's 45.3. It doesn't matter if they did or doesn't now. You never do.

You never take advantage of the 0% because if you're taking advantage of the 0%, you're paying it off before and it grows 1%. You're not. But remember, I couldn't work. That was two years ago. Yes, and that's when I got here. That ended two years ago. That was three years ago. Oh, yeah. Three and a half years. Oh, yeah. What do you mean, oh, yeah? It's been two years. You make good income plus bonuses plus have a honey bunny that gives you $800. Well, you're going to get to one that I pay like larger.

I pay larger on it. That doesn't matter necessarily. You keep thinking the transfer to the transfer to the transfers will save you. No, the two that you transfer to are, guess what? Accruing interest and then you never pay them off. Even though you make a substantial income plus bonuses plus ball bonus as well. And I'm losing my mind. Honey bun bonus. Bunny bunny. Honey bunny.

Honey, it's okay. We'll get through this. It's a lot. It's a lot. It is a lot. It doesn't have to be. It's the thing. That's what I'm trying to say is you putting an extra towards it. $200 extra towards it is nothing in your situation. You could be killing it right now. You could be killing it instead of killing yourself. Oh, gosh. There's so many more. Yes. I've lost my...

Quicksilver, $3,193.70. You only do minimum on this. It's going to take 22 years to pay off. Minimum is 108. Is there interest? Well, seeing how you think every card is no interest, I will inform you that yes, there is interest. $76.65, basically making only $25 of progress when you pay 107.00.

This one's not a balance transfer. These were all purchases. These were purchases sitting at 28.15% interest. What did we buy? It was forever ago or whenever. I don't know what you purchased. But the balance is $3,206. So you purchased over $3,000 of shit at some point. Well, it could have been a casket.

How do you not know, though? There's so many of them, honey. I don't know what I put there. I just, like, I don't even think you can have access to credit cards. It's not just because you don't know how to budget or not know how to utilize a credit limit. You don't know how to manage having more than one account. Yeah, no. So I need you to just be, like, locked in one financial box that you just need to use that. Oh, gosh.

Yeah, because it's out of control. My husband didn't know, and so I showed him what you and I were going to talk about, and he did not know. He just did not know that I had all this. He knew I had credit cards, but he thought I had two or three. How did he react? Oh, well, he was, I mean, we don't combine finances, but he did say he's my husband and he should know.

Yeah, no shit. I don't think you think like that. Yeah, I don't think like that. You're going to, you could at some point, sounds like you guys are not there yet, but you could at some point blow this marriage up because of your own finances. Yeah. We don't ever talk about money. Yeah, I've had two other marriages. Why did they blow up? Well, the first one, we were 18. We were too young. And then the second one, he had affairs. Yeah.

Yeah, don't do that. Yeah. Okay. Bank of America card. That one is no interest. I know that. Okay. You're very proud of that. Yes. It's basically at the credit limit. Yes, it is. Okay. So I have a... Oh, I don't even want to say it now. But I have two new cards that are 0% interest and I was going to transfer...

Okay. To like some of it to one and some of it to the other. And then look, Caleb, I brought my cards. I'm going to tear them all up. Thank you. I am. This is out of control. This is awful. But that means nothing to me because you're going to the casino and blowing a thousand dollars on Friday. So what the fuck do we do? I already have it. Girl, it's cash that could be going towards paying off the debt. The honey bunny's paying for it.

So it's not. Oh, the way you guys live is so weird. I just. In this interest. This would be. I don't want to put this on him. That would. I'm a good. I try to be a good wife. This.

This would not be fair to him, period. No, it's not fair because you didn't inform him of your situation before you guys got married. That's on you. Well, we've been together for 12 years, so he's been like he's not. Don't hit the table. And you said that he only thought you had a couple of credit cards. So that was your fault for not informing him. Yeah. Yeah, that's true. That is true. Mm hmm.

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a month. So I got to get it transferred. Or you could just, buddy, you make income. Yeah, but I don't think I could, I don't think I can pay enough. Your mind's already set. Well, I don't think I could pay. Is anyone else picking this up like me? Like your mind is already set. You know what you want. Well, you almost want me to affirm what you think is best. because I don't think I could

pay enough in four months to get it down. Let's see by the end. I'm very curious. I'm willing to. I am very much willing to. So you won't go to the casino on Friday and you'll use the money from the honey bunny. How about I'll go but I won't gamble. I can do that. I've done that before. So the honey bunny can enjoy himself. What's that one? It's just the end of that card. Okay. Elan card. Elan? Elan? No. Elan.

Elan. Elan? I've never even heard of this. Oh, it's a MasterCard plan. Okay. This balance is ridiculous. It's the highest so far. Is it the $9,000? I can't believe we're doing that. $9,598.59. The minimum monthly payment of $96. Okay. You made a few hundred dollars more to the payment. Yes. So that's what you were super excited about. Yes. Okay. Again, Elan.

Basically nothing compared to where your spending is going. So it's like I can't get too excited about it. But OK. I don't know when the interest starts on that one. December. Oh, shoot. Then it'll be like 28. Yeah, I got to get I got to get that paid. Yeah. Yeah. Yeah.

Can you pull the mic closer to your face? Yes. Yeah. Sit wherever you want to sit and then pull the mic. Okay. City numbers. So this is what you just opened. Yes, that's a new one. You can't open debt. Well, to transfer the... You don't understand. I know, but you know what you do when you transfer it? You don't pay it off and then it just starts a growing interest anyway. You don't have the discipline. You don't have the...

ability to get this is a deferment to you it's a kick an endless kick the can down the road so the balance transfers I think are hurting you more because I think I would have bet you those two transfers that we saw earlier those two transfer cards if you never did that and you had a fire lit under your butt for the interest you may have made more progress in paying off your debt because of that than if you were just transferring and feeling like you actually made progress but you didn't actually make any yes

That is valid. Did you transfer anything to this yet? No, not yet. Good. What were you going to do in your little plan? So the $9,000 one, I was going to put the $3,000 of it. So that one would be six and that one would be three. And then I have a Discover card that's $10,500, but I transferred the $6,000 Citibank to it. And so now I have $3,000. It's a zero? Yes, it's a zero for 21 months.

When does the 21 months start? It's brand new. So 21 months from this month. Because I have to get rid of them. Because I want to, first of all. It's absurd. No one should do this ever. Then why aren't you getting out of it? That blows my mind. I don't know. I write down what I'm supposed to. That doesn't matter, though, if you don't budget.

But yeah, I don't because I don't I don't even know where the money goes. Because you don't budget. I know.

I feel like this is like the most like I feel like no thing. I know. I feel like I've tried to budget and then whenever I see that I'm not going to have any money in my checking account, like I panic. What if something happens? So I haven't. That's why you get out of debt and get an emergency. What do you mean? What would you do right now if something would happen? Well, I have the credit cards. If something were to happen for like a few thousand. Yeah.

Well, I do have the savings account. It has a little bit of money in it. One? Didn't she say 1,000? Oh, I think it has 2,000 in it. Okay. And then I have that checking account. It has $1,000 in it. And then I have my other checking account that has $2,000 in it. But...

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Okay, so you have 5,000. I just feel like, I don't know. I panic because I don't have any family left. Any? My two cousins, and that's it. My two daughters. Yeah, that's really hard. May I ask about your father? Oh, gosh. He's a drunk. I haven't talked to him since I was like nine years old. Okay, so there are really a lot of addiction issues in this family. Yes.

So I panic when I feel like, what if something happens? Well, that's why I need you to get out of that and get a fully funded emergency fund. Because if something happens, that is your safety net. Yes.

And it is an emergency not to have an emergency fund. I know. It's terrifying. It is. But that's why we act like this is the end of the world because it kind of is. Yes, it is. But you're not acting like that. No, I feel that way. But you're not putting in the actions to get a solution done. I know. I just keep getting more 0% cards. You know how you were taking care of your kid or your mom? Yeah.

Well, if you don't get this taken care of and you're not set up at all at any point, then all of a sudden your kid is going to be taking care of you. Not because of an addiction thing, but because you didn't set yourself up. And guess what? They'll feel a moral obligation to do it. And some people think, okay, there's not any issue with them feeling a moral obligation. But to me, like you chose to bring them in this world. They did not choose to be brought in this world. So you're putting it upon them. I know. It's ugly. And I do. I want to pay this off.

You keep saying that. I do. What kind? I do. I will do it. You do follow-ups, don't you? Yeah. Yeah. I'll come back. And I'd love you to come on, please do. And you'll see. Follow-up channel, link in the description below. Trying to get to 100,000 subscribers. I'm subscribed. Thank you. You've seen a lot of good stories there. A lot of good progress. Yes. A couple people haven't made progress, but you know.

$4,008.01. Oh, my God. We're still going with the credit cards? City Rewards Plus, yes. $41 minimum fee payment. You only did the minimum, and that takes 14 years to pay off. No interest. No interest until, wow, two weeks. Oh, geez. Yep. Yep, yep, yep, yep, yep.

And then you said you have another card that you just transferred things to? The Discover, yes. Oh, is that what this is? Uh-huh. So how much is on there? $6,587, a transfer from one of the city cards. $6,587. What's the minimum monthly? Oh, it's brand new. Like I got it two days ago, three days ago. I'm going to say like a really good range. It'll probably be like $100. Okay. Okay.

So the city, there's one of the cities that's $6,000 on there. That will be gone because it's transferred to the Discover card. The city double cash? $6,854? Yes, that one is the one that will be gone. But not all the $6,854? Mm-hmm. I put it all on to the Discover. Well, there would still be a few hundred dollars left over, right? Because the Discover is $6,000. Okay, yeah. There will be like $200 left over. So it's not gone. You transferred it. You moved it. Yes, I moved it.

transfer the student loans okay this is another we brought this up at the beginning but i mean it's it's substantial oh i know i don't that's your payment so low i don't know i filled out the save application just like everybody else did it just it just i understand that i i like i i honestly do enjoy that there are programs to lower the minimum payment for people that can't afford it

and your married household income and you're filing separately, I'm guessing, for taxes. No, we file together. You guys are so weird. This makes no sense. Either way, you guys... How much does he make? He... His 48, I think. And he gives you money, but you make double what he makes? Mm-hmm.

Either way, you guys don't make a bad income at all. And then you're the one that gets a lower payment. It's just like, that's what's weird. Because he has to pay 200 something a month on his. Well, did he apply? Yeah, he filled out the save application. And then now they've put it in forbearance. I didn't ask for that. I just got an email saying. That might be because of court challenges. Yes. It's going through a lot of court.

So save might not even be around by the time that deferment's done. Yeah. And of course, I'm more than willing to pay that back. I just feel like I have to work at least... Yeah, you probably have a $750 minimum payment, $750.

On traditional? Oh, yes. Traditional would be, yeah. So you don't have to make your $71.71 payment anymore. So you owe $61,043. Golly. Yeah, it's a lot. It's a lot. Okay. And that was just for your master's? Well, the bachelor's and master's. Oh, okay. Both were in nursing? Mm-hmm.

Public? All public school? Well, my master's is in healthcare administration. All public school? Mm-hmm. Man, you can get a lot of good things done when it comes to nursing in the world of community college. Did you do community college? I did. I got my nursing at community college and then I got my bachelor's in sociology. Why? I don't know. Okay. When? In 2016. 2016?

And then 2019, I got my master's. Okay. There's a lot of alternatives. Just please, guys, if you're out there, really lucky community college. You don't have to go to the dream school. You don't have to go to the dream school. I'd gift you a course career certification. You don't really need one. But if any of your daughters want one, they can have it. In accounting or any of the trades. Oh, nice. Yeah, since you're a guest, you get access to that. Awesome. Then we have a mortgage. Yeah.

Yes. And it's not bad. And I got it in 2019 before everything went crazy. Really? Yes. Do you know what the house is worth? It's worth now about $250. Wow. And I only paid $131. Yeah. So you owe $117, $253.56. Your payment after everything? $1234. Okay. Not bad. Definitely fits in your income. Mm-hmm.

5.1%. Okay. Why did you not refinance when rates, you could have gotten like a 3%, right? So when the rates were that low is when I wasn't working and I had, I was on the short-term disability and so I wouldn't have qualified. Equity position's great. Yes. Wow, it's cheap to live out there. Yes, very cheap.

it's not like that anymore now if you look it up of course my house is yeah but a $200,000 house is great so yeah that is still a lot of people and it's big it's almost what is the median in the US like $350,000 or $400,000 yeah it's crazy so it's really cheap out there apparently okay $600 in this checking account is that all your debt then yes 10 debts pretty much all bad except for the student except for the house yeah

Okay. You went inside, you got some bulls**t, went to Green Gorilla, Rocket Lawyer subscription, McDonald's, Sonic Drive-In, Rosa's Cafe, went in and got some bulls**t, went in and got some cigarettes and lotto tickets. Yeah. Golly. Went in and got $207 worth of cigarettes and lotto tickets in the next one.

Yeah, that's just every two weeks. Yeah, every two weeks. But hit the same day was an additional $88.50 at the same place. I probably got gas or something for my girls because that's just every two weeks with the cigarette and the... $207 every two weeks? That's an expensive subscription to lung cancer. I know. It is. But it's for me and the honey bunny. He smokes as well? Yeah.

Does he have any interest in quitting? He doesn't smoke that much. So, no. What's that much? How many do you smoke a day? I smoke like a pack, pack and a half. Yeah, it's a lot. Oh, that's so bad. It is bad. And how much does he smoke? He smokes maybe five cigarettes a day. Okay, well, that's still obviously addiction then. Yeah. Because if it was going to be like one and a blue moon, that's different. Are you guys willing to... So he doesn't want to quit? No, I don't think so. We don't ever talk about it. It's just normal...

A pack in a half a day? What does that mean? Is that a cigarette in an hour? I feel like it's a lot more than that. Maybe. I don't know how many is in a pack. I've never had a pack. That's like 30 cigarettes and I'm awake for, you know, 17 hours a day. So whatever that is, it's a lot. That's wild.

It is a lot. But let me tell you, most people say they want to quit and they don't enjoy it. Well, if I didn't enjoy something, I'm not going to do it. I do enjoy doing it. No, I'm sure. There's habit. For some people, there's flavor. And then obviously addiction as well. I get it. I mean, I love coffee. I have no desire. But it probably makes me more anxious than I'd like. But again, I like the ritual of it. I love the taste of it. And I do enjoy the energy. But perhaps get down.

Perhaps cutting down would be... No offense, but your addiction leads to literal death. Much higher chances of death. It makes things like COVID, the thing that you lost a lot of people to...

People in your position with more likelihood of heart complications and lung complications, especially with that disease, makes you much more susceptible. Because, you know, for that, it was really the people that got affected were people with medical conditions. And you're like a one-way ticket to one. Oh, I know. When I got COVID, it was bad. It was awful. I've heard you wheezing over there. Yeah, yeah. It's bad.

So as hard as it is, and I know this is so much easier said than done. Like when your life's in line, do whatever it takes. Yeah. Yeah. Well, plus $400 a month. That's crazy. That's more expensive than any of your other minimum monthly payments other than your mortgage car payment. That is a car payment. That's one thing I don't have is car payment. It's good. You replace it with cigarettes. Then went out 35 bucks, went to Subway, $20.

mcdonald's venmoing out dollars slim chickens green tortilla forty dollars inside gas station mcdonald's then another checking account twenty dollars two and two twenty dollars of amazon and then two in totem amazon again ferguson ebay oh the air conditioner broke and we had to buy parts to fix it but it didn't work

Oh, that's where some of the money went. I had to buy air conditioners for the house. What do you mean some of the money? Where? For what? Well, some of my savings account. Because the central unit broke. What are you talking about? So I didn't put it on a credit card, though. I took out of my savings account and bought window units for the house.

Your central AC broke and you bought window units? Yes. That can't be more effective. No, the whole thing. It's so old. It's like 20 years old. But you're central. Yes. Okay. We're going to have to get a whole new unit and it's going to be like $15,000. Yes. And how much did all these...

Other mini units cost? Oh, like $800 for all of them. No, for all of them. Are they actually keeping the house cool in Lubbock? Yes, I think they're working better than the central. Is it as price effective on an energy basis? I haven't gotten the first. I'm very curious to see that. I'm very curious. I'm curious to see as well.

but for a whole new unit, it's going to be about $15,000. And I didn't want to put it on credit cards and I didn't want to finance it. Depending on how this impacts your energy bill, it may have actually been a relatively creative solution. Because $15,000, I couldn't have had you do that right now. But I also couldn't have had you have heat stroke. Not that I'm thrilled with that $800, but that's obviously...

Potentially a creative way. And the $15,000 is something we're going to want to do in the future and then you're going to sell your window units used. Yes. Yeah, but what you told our producers was specifically, I live in West Texas and the summers can get well over 100 degrees. My central air went out. I didn't want to spend my money on repairing it, so I wanted to go to the casino instead. Yes. That's different.

Well, yeah, but I didn't want to finance it. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one?

- I don't even want one stripper. You don't them, you just touch them and you move on. - Why would I wanna do that again? - Because it's fun. - Is that? - And it's wholesome. - How is Caleb as a lover? - I would give a solid nine. - How do you get to a nine? - I just don't know how to answer that because I mean, I just do, I just do. - For the upper tier memberships. - All the people from the crew from over there, they come together, they make a crew cast and they talk about the behind the scenes content and how we do everything here. - I think he's a bit on the husky side personally.

Oh, that's brave. Twice a month, we have a live stream with you guys, and we hang out with you. We answer questions. We chat it up. We talk about the show. We just have a good time. As far as what I understand gooning is, I believe it's an endless edge, an edge without no end. It is an edge that never concludes. Actually, I don't know. Does gooning conclude? And then most exciting, right here at this table with even more pie charts, we have an exclusive uncensored ad for...

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That would be my casino money. No. Your casino? Oh, my gosh. Listen, there's... But I didn't want to finance it because it's going to be like 15% interest. I'm going to be real. I can tell you're a genuine person that wants to get out of debt, so I'm going to finish this. I'm going to make the budget for you. We're going to do the post show, all the classic things. But the fact that your language on the casino and a lot of these other things, this is like...

I think, again, that you want to have a solution that's easy and caters to you and is not a real solution. And that's making me thinking that, like, it might not be, this might not be worth it. But I want to be proven wrong. I want to have you on the follow-up channel. But I don't know. So with the Mechies and then Ollie's bargain outlet for $717. That's where we got the ACs. Oh, okay. Yeah.

And then another $287 with them. Then another $199 with them. So that's well over $800 so far. That's over $1,000 now. Oh, dang. I thought it was about $800. You don't even know your... Yeah, see, I don't look at it. I don't... I don't... You don't have to look at it, though. It was there. You swiped on it. Well, yeah, but just the $800 is what I guess stuck in my head. Went in, got some lung cancer. Did at home. ATM fee, ATM fee, ATM fee. Resort payment. All soups.

All soups? Supps. All supps. Oh, all supps. Yeah. Probably gas. Hard to know with you. $106. That was definitely probably cigarettes included in that one. More resort food maybe. Amazon Pizza Hut. Venmoing out $60. It's the girls. I want to help them as much as I can. Help them by getting out of debt and being able to retire so they don't have to put their life on hold in a couple decades to take care of you. Yeah.

Yes, I agree. I do. $900 in there. I don't see the savings account unless that's what it is. The $900? Yes, the $900. I thought you said $2,000. No, that is now is what I have, like today. $2,000? Yes. Okay, $32,000 in this Fidelity account. This is a...

Retirement. I don't. Yeah, but. Oh, here we go. Okay. All accounts is $51,000. Yes. Rollover IRA, $20,000. Sorry. Wait. One of the past places you worked at, 401k. Or probably the current place. We need to bleep that. We need to censor that on screen. That's our workplace, I think. But your workplace, 401k, $20,000. Cashman. Oh, your individual account, $8,000.

You're following the overall market. It's looking like... Is this a Coinbase account? Yes. So, I don't know. They were talking about Ethereum, Dogecoin. Who's they? What are you talking about? Like on the internet, on Reddit. On Reddit? Yes, and my stepson. And so... Stepson? Yes. And so I went and bought...

And it's never, I've never gained any money. So I just leave it sitting there. 1,200. And red is down 749. Because you're in, no, this is watch list. I don't know what you're in.

Oh, Dogecoin on the watch was great. Yeah, let's keep listening to Reddit in that sun. Are you in WallStreetBets? No, I just, I don't know. I bet you are. You probably just don't know it. What? R slash WallStreetBets, you're probably in that. No, no, I'm not a member of anything. I just read. Yeah, no, no, no. You probably read WallStreetBets. Oh, probably. Yeah, probably.

I don't have anything against crypto as a part of a well-balanced portfolio, kind of a minimal part, but I don't think Dogecoin is what we're going after. Oh, no. I will never do that again. Oh, Webull as well. $508 in here. Yeah. You're actually up on that. I would just, like literally a dollar, I would just take it. Sell Webull. Yeah. Okay. Get your $528 out of there.

Even if you're down a couple bucks, like who knows with whatever we are today, just sell it and put it towards a debt, dude. You just got to get out of this debt. It is 71. No, it...

Oh, cumulative. Have you been buying and selling? No, no, no. I just did it one time. Oh, my position's Dogecoin. So you held Doge? Yes. You held Doge. Well, I think I bought it at the highest. Litecoin? Where's Litecoin? You lost $324 in Litecoin. I think I bought them all at the highest they will ever, ever be. And then... We don't know that for sure, but also this is just stupid for your situation. Yeah. Well, and I bought these years ago. Oh, f***.

Mm-hmm. Mm-hmm. Yeah, and years ago, you were on disability. So it's just not disability, but you know what I mean. Yeah. Yeah. So this is, it's so f***ed. It is. I know. That's terrible. Okay, so we can fix it? You put 3K into Dogecoin and lost it within a month? No, that spread out between all of those. Doge and Ethereum. Yeah. Three cars. Why do you need three cars? Um, well...

one of them is my honey bunny uses one i use and when my daughter uses uh can your daughter get her own car she does have her own car but it doesn't have an ac so she uses mine during the summer okay then can you get her car and just give her your car yes cool and then sell that car and sell that car how much is that car worth oh gosh maybe 500 bucks it's like a what is it yeah um

A huge SUV, a Buick Rendezvous. Okay. Who has the Ram? That's the one my honey uses, my honey bunny. Who has the Ford Focus? Me.

And then your daughter has the Sonata. How are the conditions of all three? They're good. They're all good. They're very high mileage though. The Honda and the Dodge, they're well over 200,000. The Ford only has 47,000 miles. The Ford is worth right now 7,453 from what we could get. 6,499 for the Dodge Ram, 3,343 for the Sonata. Yeah.

The thing is, let's build the budget. But with your spending on cigarettes and stuff, it's like, I can't put that in your budget. Yeah, that's okay. But also, it is a huge part of your budget, so I don't know what to do. The honey bunny. He'll do whatever. Or we quit and live a longer life. Yes, we can quit. We can work on that. Singularity, bringing down the life expectancy of the United States. I know. Stop. Okay.

So income, $4,893.96 a month. Okay. At least that's what came in the most previous month. Okay. Let's get your minimum monthies. Thank you for at least not missing payments like many people. No. What are your daughters going to think when they see this episode? Oh, well, they know. They expect. Do they know you're coming on? Yes. What did they say? Oh, they were excited. I love that.

Debt payments total $982.74 a month on just credit cards. Yeah, I know. That could go somewhere else. Your mortgage, $1,234. What is your electricity, water, gas? All the utilities, it's about $5.50. Okay. Internet, is that included? That's included in the $5.50. Okay. What's your phone bill? $130. Okay.

for four lines and we get free amazon prime okay gas room drive drive

For all of us. No, no, no. Just you. I don't know. What do you mean all of us? What's all of us? Because you're combined or you're not. Are you paying for their gas? Yes. How much? Well, probably all collectively. Probably about $250. We'll say $250 a month. $250 for three people? Yeah. I don't know. They run around a lot, I guess. Car insurances that you have to pay for? I pay that all twice a year. How much? It's $1,300 twice a year.

You're going to, since, I mean, you don't have that much money left over on a monthly basis usually, you're probably going to budget that out and section that out. So $217 a month. Okay. TP fund, anything else you need to survive, make up whatever, $100. Okay. You're allowed to contribute $300 to the grocery budget. Okay. No more. Okay.

Do lots of meal prepping. I don't know how the food situation at home works. No, we, we, there's a lot of fast food on there, but I feel like we eat at home all the time. The fast food was kind of minimal, but it wasn't as egregious as we mostly see. $300 though. That's what groceries is. You can do it.

probably no subscriptions. Do you have a gym payment? Do you have a pet? Yes. I have four dogs. Do you, what's three chickens, two ducks who pays for everything? How much? Uh, we'll say a hundred dollars a month. Okay. That's not much at all for that much. Well, it's probably more than how much then we'll say one 50 do one 50. Do you have pet insurance? No.

Are you going to get pet insurance? No, but the time you pay that pet insurance, it's cheaper just to take them and pay out of pocket. That's not true.

I think it's so expensive for four animals. It is, but surgery for an animal is beyond more expensive. Well, they had all their hysterectomies, whatever it's called for a dog. And I feel like everyone that has a dog has like one surgery at least. Yeah, and they've all been fixed. Okay. Well, that's not the kind of surgery I'm talking about. I'm talking about the eight something and they get...

It's something I'll certainly look into. Copays and stuff on a monthly basis for you? Put $50 for that because I have to have my... Gym? No, no gym. Gym. And the only subscriptions I have is Netflix, Hulu, and Spotify. No, you don't. Okay. I'll put $10. Okay. There's just Spotify. Okay, let's add this all up and see where we stand.

Yeah, you have $900 left over, essentially. You need $3,973.74 to survive on a monthly basis. And I know he even sends some over for utilities. Let's just pretend that doesn't exist. Just a set example for you. Okay. So you have $920 left over. Okay.

So what I would do is just in general pay off. I think this is going to be easiest for you to pay off smallest credit cards, the largest credit card. So put everything towards the smallest. Okay. Nor the interest rates for you. You're not disciplined enough to be able to do the avalanche method and stick to it. That's okay. That's crazy. All right. Credit card debt, 38,591 that you've refused to pay off, which takes 41 months to pay off in your current situation. That's how many years for?

Yeah, basically. Three and a half. Oh, that's not bad. No, but that's you not going to the casino once. That's not getting scratches once. That's not getting cigarettes once. Unless, of course, the other one's paying for it. And even still, if we take in the money, he pays for utilities and stuff. And our rent to you.

You know, that kind of offsets it. Maybe it's closer to three years. But even still, that's a lot of time for someone who spoils themselves a lot in terms of experience and memories. It's a lot of time to not do it. It's a lot of time to not give your kids a single cent. It's a lot of time to really sacrifice. And that is literally just that. And then you have the student loans on it. I highly doubt you're ever going to get any kind of forgiveness of your $61,000.

And then we still need to catch up on retirement. We still need to get an emergency fund. Emergency fund, if we minus the debts, except for the mortgage, I mean, you need to get $18,000 saved up as an emergency fund. So it's a four-year process. If it's three years to pay off the debt, it's a four-year process to get to the fully funded emergency fund as well.

That's a while. Four years total, debt plus emergency fund. Well, that won't be too bad because I've been winging it this far. No, I agree it's actually not too bad in terms of the entire life that we have to live. However, us as humans, we're impatient. Us as humans, we experience the instant gratification and the dopamine hit. So sacrificing for that long can be very difficult. I think it's very worth it because you live an amazing life after that. Yes. A very financially free life. Literally...

It actually fits in. Once your debt payments are gone, you can actually 50-30-20 because your needs will be 50% of your income. And then you still get some from the husband to help pay for things, so it's actually less. And then I would invest 25% of your money to retirement after that and use 25% or more if your needs are less than 50% on fun. And with your income, that's a substantial amount of money that you could spend on fun. But that's four years.

down the road right now it's just paying debt yes but it is worth it that's the point okay i i feel like i could do it faster so i didn't say this okay but before 2019 i was in this exact same situation and i was able to do it in two years because i'd like i can what are you gonna well what's the what what changes what what's the math difference

I think it's, well, I hate to give trauma-based responses, but I think it was just so awful during 2020. No, I get that. But what was the math different? Because right now. Well, the house. I didn't have a house. Oh, well, that's substantial. But yes, but I still had to pay $1,200 in rent. So the math is still the same. Okay, then what was different then about the math? Like what got you there quicker? Yeah.

I don't know. You made more money? Oh, yeah, a little bit. Well, that's very important. Can we get you to $100 again somehow? Yes, I can. Picking up more shifts? I can pick up more shifts. I would do that as well because if that speeds up your process to paying off debt with the money coming in from him to two and a half years...

You know? Yes, because four years, it's not a lot for how much debt it is, but that's a long time. Well, that's without your student loans as well. Yes. If your student loans are all below 5% interest, I'd probably just do minimum fee payments until they're paid off on a traditional payment plan. And then...

While investing 25% minimum to retirement so that you're offsetting it. But right now, just on the retirement, I will just do the match. Yeah, you'll catch up. You'll take the match, 100% return on your investment. That's what I would do. We did it. We made it through. We made it. We made it through. Now we're going to talk about the post show because I know there's a lot more about your life and the producers know it. They're going to come in and we're going to talk about some of the more tea side of things, the drama. But spending in a budget, actually, let me see.

So total that came in, you did have some Venmos in and stuff like that as well. Lottery, $10. Wow, great. And ATM deposits in as well. But, oh, you're so dramatic. Even with all the money that came in from the Hubster or whatever he's called, it was $7,461 with everything coming in. You still spent $9,370. Oh, yeah. That's why you need a budget, my dude. So spending in a budget well over zero out of 10. Debt, two out of 10. Yeah.

It's really, really, really bad. Not the worst they've ever seen. Don't allow yourself to think that it's not that bad, though. I was just happy it's not a zero. Yeah, that's usually collections or IRS debt. Emergency fund, one out of ten. Well, two out of ten because it's at $2,000 today. We need to at least get to $10,000. Retirement, definitely behind. A little behind for your age, but it's not dramatically horrendous. And we're going to start catching up as well. Okay.

Six out of 10 real estate with the value and equity position you have. It's great. Got to fix that central AC though. Cause if people want to buy it, they're going to want to buy it with central AC as well. I'm going to give you a solid seven out of 10 there. It's going to be a hammer financial score of 3.5. Um,

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