Controlling Husband Exploits Young Bride To Serve Him | Financial Audit
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Need or not, they put me out. And so then at that point, I just made a decision to .

cut above was not being given to me.

You feel like you're being controlled sometimes. yeah. Do you feel like a wife in this relationship?

The time I feel like a daughter, i've told him this.

How does IT feel to be treated like an important new relationship?

I think that's about the reason I want to come on here because IT is get into that boiling point. Hi, i'm klor twenty four.

I'm thirty three who were from forward tex .

and this is financial audit.

Walking down. Awesome guys. Thank you. Um and your your spoon is out there making noise.

So I already know that we're probably a married couple, right? Yeah, very cool. And how's that? IT sounds less than two.

He's ten.

Oh yeah, sounds about all right. We have our resident, most child like him, soldier out there, making sure he's not like that. Whatever, what do we do for a living? Al.

start with you. I am a in homeless for my disabled brother.

Okay, what do you get paid for that? The government or from family?

So I get paid through the government, yeah, with a family insurance. So his insurance pays the government, which pays me.

this. Very interesting. Can I ask what's going on with the brother and why?

About ten years old went to a common. There was a male practice, and so when he came out, he is forever a ten year old and can't be left alone.

So really, wow, i'm sorry to hear that, but i'm glad he has a sister. It'll take care of him. Yeah, what what do you .

make in with this? I make ten, sixteen hour.

okay?

And I work little.

That's hard for .

four worth. yeah. And then I worked ten hours a day .

every day for five .

days out of the week.

What haven't the other two days?

I finally get to go .

home and take a.

who watches my brother, a lives with my parents. Also.

they take care on the weekend. Yes, okay, in new set IT was ten one.

ten sixteen hour.

ten sixteen hour OK. So, okay, succeed in york, five days a week. correct? Five hundred thirty dollars week before taxes. Times fifty two divided by twelve, okay, two thousand and two hundred and ninety six hours about how long we have been doing this as to be so hard.

I just started bucking.

Ber s he with his .

biological mom recently passed away.

Okay, wow, what do you do? I don't think we can live off. That is a hole.

especially the new born. Okay, I am a power line technician.

Oh, oh, there's money. And that what are you making?

Just been training as tomorrow. Actually.

we had someone on the show that did that and they they made like a hundred .

fifty hundred five. He was probably live on me. And I OK my job comprises of cutting off people's power. They don't pay a meter. Investigation just is kind of things which can be fun.

But my, oh, you don't get to have warmth today up. That's okay. And what do you what do you make?

I make as of, uh, next monday, i'll be making thirty eight.

fifty seven an hour. How many hours of work a minimum?

forty.

okay. And do you get over time? yes. How much will we bring in an per pay check?

Is booming me, about twenty one, seventy nine?

no. Oh, is that weekly? Just by week up? no. Oh yeah.

Real dom .

roque. okay. So four thousand, three hundred fifty eight. How do we feel living on that four worth? Both these together, both.

Can I know that we were in death is because both of these are so? No, because you guys aren't making nothing, right? I mean, household mean, well, we gotta take some way for taxes for you, but how are we live in on fort worth for the, uh, in this.

we actually just moved from where? From grand prayer from living with my parents.

Okay, I don't I don't know where that is. But how? How are we living now?

How's life a lot Better?

Why was a bad?

We went from having our own place in a truck that was paid off that truck.

We went from having our own .

place in a truck up north, uh, relative to where her parents live.

And around that time .

was around maybe march a sales. We will get a truck stone from the part OK and the truck was paid off and time was I like the time about that? No, we had a liability because the full amount they were charged exorbitant.

Ont, like three hundred plus. sure. And I took this a big thing, but I took a giant paca and arka coming from contractor to a full time employ with the company with now. And I just got a promotion, and i'm just about to finish training after a year OK.

So i'm Sally, how are we living now? You say life is Better, okay.

not paycheck to pay check anymore.

not paycheck to check anymore than what is that there? Well, well, I like you'd been instant payoff.

Don't give me wrong, right? Um the move out was more expensive than anticipated is always happens on the show.

I don't get that i've done so many moves i've done across country move and I just looking to a cheap in this chill what how? Watch the cause and when, about three weeks ago, okay, how much? You know the end. We just want for convenience.

What do we do in between? We try to find a place that was not to look the apartment. We're trying to go between the luxury. Why was .

the old? Are you say the rent went up? Not the move itself is expensive? No, the move both, both comments to the move.

Well, the move we lost some things on the way, just we didn't use. So you have and all that.

how much is .

the most is?

So I guess, I guess the move, I guess the move by itself was probably like three hundred hours by itself. But as losing things that cost more for .

someone that makes like six thousand hours of months as a household taxes, three hundred won't make a break. So how much should we lose?

What did we lose? what? what? what? He lost multiple containers on the move there that didn't strap down.

I was at home with the baby. He didn't strap him down. So they came off. So we most of the money went towards replacing .

the things that .

he lost or how .

much so you you wanted tell about.

I took out alone and get my retirement to get a started and good start.

I agree to this.

And this stuff we lost, where one hundred percent necessities needed to survive.

Hi gene. So toothbrushes, OK.

that's a few thousand hours of toothbrushes.

It's a very small amount was actual accessing the rest was then why do .

we do why I would burn against our retirement that kids know are of you?

If I known anything about how IT worked, I won't told him don't do well.

No, I told you, I told you was alone. That wasn't this. So against going against from our time, but I wasn't gonna that arrest.

Take a retirement. And as a concept, I mean, as you're just going and borrowing money for people that already have debt for things that we were one hundred percent necessities, so we awesome convenience. This is a bad president to start a new life on. How do you guys mean together?

Married for two years? Twenty been together for .

about five, four, four.

five years is how long we've been together, but married for two kay.

see guys met like nineteen and twenty nine, twenty and .

twenty eight, but twenty, twenty.

And okay, so in your guidance, marriage, in your conversations around money, how are we doing? What's happening here, specifically, what are we looking at?

We don't agree at all, he says, put every single thing into a savings, and I believe you gotta a have fun. Or is something, after all, the important stuff is taking care of.

do you the importance of.

I didn't borrow anything.

okay, what you guys together.

you know, I didn't agree to IT. If I known, I would have .

told him I did. What do you mean? You wait. You made a sound like, you know.

no, I I, I told that it's going to be alone on my retirement and it's not going actually affected is is, is gonna. So didn't educate .

me on what actually was going on because I would say.

what did you think was on?

I thought he took IT out and IT didn't affect anything. He could. I talk with my hands a lot. I'm sorry.

OK. I thought he would .

take the money out, but IT wouldn't affect the actual thing and just IT would rebuild on its own. I don't know he had to like why would you be for that?

Really wasn't for any of that.

But I don't want to argue anymore .

anymore system as as money and in this arguments, pretty much. But you guys have been together so wrong. You weren't a wine down any other stuff and all the at the week we were okay with at the begin.

you were yeah .

and how what was the .

alignment we were so we acted a certain way when we first .

met yeah and you were okay with that. We want to continue.

Have a kid. I didn't know much about dad anything, so I kind of just got thrown into IT once we were married.

Now how do you guys disagree? If we've moved beyond from them? Where is the disagree?

There's no happy medal. I just say, take care of the main stuff.

I stack a debt and I considered main stuff.

So I think it's main stuff. Then what are you talking about? Take care of bills. Whatever s left over after bills, put IT towards what we need to put IT towards. And whatever is left over.

then we have fun with there shouldn't be any money leftover you have dead bad .

does see that's welcome and .

warm saying and you're retirement is treasury even without you barn .

against IT so so my monetary is i've had my fun. We've had our fun.

You've had your fun.

We've had fun. What are we?

Just to be clear, we're talking that because the age, yes, he lived. The twins, you have not. So maybe you have different expectations and desires.

I don't want to go out party, but I don't want every single dime and penny I make to go towards what he thinks is important.

what's important while clearing out that.

getting a house and I got home from my family. That's that's my number one. go.

okay? And when we bring that up, we have concern diversity about that. I want to save, save, saving, put almost absolutely everything towards IT. And he wants to spend, spend.

spend. I don't want to spend, spend, spend.

I want to put .

majority of IT towards saving. But I still have a little bit of fun money, so I can enjoy my r son not being year old yet .

and get to make memories. What mean?

I'll have the memories of going to a pumpking patch. go.

He's deal with the stinky little boy that works in his office right now but he wouldn't remember IT.

It's just like get to enjoy stuff with him while he's little oh.

OK, i'm not to get going to a pump impact. Take pictures. What what's instead? A little bit of fun.

I mean, going out there was five hundred thousand dollars that could have gone towards death. Okay, maybe four hundred of IT instead, which is both. The extra spending could be a video game, could be no in APP.

Who knows? I suffered four hundred two dollars. So what's insider?

A little bit of fun? We're trying a little bit of fun. We can have. We can have a death upset is that has little things along the way that keep us encouraged.

I'm not necessarily against as a concept, but what's a little a bit of fun as well as some other thousand hours, but that didn't improve the household. I didn't get us to house. They didn't get paid.

I just wanted like a hundred box for the months to do one time.

No, no, SHE ended up being around four hundred dollars a months just for herself. At some point.

what you do to four hundred h go on go.

Four hundred was not being given to me. The most we came up with was a hundred dollars for a paycheck. And that was recently after you started making a little bit more before .

that I was .

four hundred no IT wasn't it's always been one hundred dollars a month and I use IT for little things maybe getting myself something like a shirt because I don't fit my clothes anymore because .

I burst your child but our child our child go um I mean, if you look at the statement as if that's sure, then what do we have right now?

No, I don't pay attention to your statements.

What what what do you mean? What are we reviewing? Are we not together financially like our statements?

Are we now? It's all under one, but he puts everything. He makes all the executive decision. So I kind of gave up trying .

to track IT what, why into the conversation. I should understand. I show her a part of the conversation, actually bring in a part of the conversation, sitting down at the end of the month, of the beginning of the month, and redefining what was spent this last month when we need to fix.

I tried to talk or about IT. And then and up we start off calm, and then some adversity happens.

and we end up have a screaming match. What happens? Well.

what's the university? There's no it's i'm being told this is what we're doing.

basically get over IT.

So true ah not not exactly IT starts off soften. SHE doesn't yeah so SHE won't lined up for things I believe in what we should be doing. And so that gives me little angry versus what I was saying earlier. Hey.

I want to pay off all this. Is that a productive way to do?

IT? If he hasn't worked out.

then why are we doing in that way? What would be the way that I would work for you?

Include me. Let's come up with something together. Let's figure out what everything should go towards.

Let's make a plan. Now this is what we're gna do. Just deal with IT.

You think that's how you percent? This is what we're .

going to do. Deal with IT most of the time that the way .

OK how we've been trying that method because obviously.

that's not working. Also, does that even makes sense?

Because again, we spent a thousand hours a month and both what this is what we're going to do, deal with that nothing happened in terms of a positive way and I mean, got payable that came in. You didn't make any money here and I was four thousand and six hundred twenty six from you. Literal spending was based the exact same. We spend everything. We brought in everything.

Yeah well.

so you executive decided but no progress is made. You say your goals to pay off the dead. You say your goal is to get a house that that happened under your executive resume.

Um I I crack easy um so like for example, if I my work and he calls me so it's her fault. T no not not her fault. It's a mixed both in my opinion. So it's my fault for not given her access to the money as I draw into the savings, I attempted to get access with the bank but they any difficulties en and I D but um sh'll be at walmart or getting whatever whatever might be and then he tells me before for and what she's getting and i'm an idea of what that cost and then SHE tells me i'm at the register. It's like hundred ninety .

old calling with the register.

I have no access to our money. Anything that goes into the checking go straight to the savings that I have no access to.

Yeah, I like to see why .

didn't you .

try .

harder doesn't? Is that honest? Is that the like subconscious reason, if you really have to dig deep, are you afraid for her to have access? And also, if SHE doesn't have access in a thousand, that equally lies, hi guys, I get that you need more financial audit.

So we've decided now in our membership below you get too exclusive. See nowhere else on sensor financial every month. Again, three hundred eighty four came in from your job.

How much do you think you spent? How much I me three hundred and four, you don't think you overspend seven. Also three post ws a week for every financial order you're in, right? You are youtube in the post show.

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right? Ah the executive doesn't worked, but yeah that is on the truth. I i'm scared that I just all gonna awake because in prety.

so we have to advertiser .

I want to do that.

But I guess do you are doing IT? Ah what do you mean you do you want to do? You are doing IT. How does IT failed to be treated like an evident .

in your relationship? Oh, IT pisses me off on the daily.

And but we've been married for two years. How have we is not how is not either reason, boiling point or any solution or anything? Where are we now, guys?

I think that's for the reason I want to come on here because he is getting to that boiling .

point and he wanted to apply with you.

He wanted to I agree to IT. I know at this point IT is it's both that i'm kind of just, I told tell them all the time i'm tired of being treated like a child cause that's what you do. You put everything away and your child has to ask permission for this, this and that even for basic needs like the ordering or tooth space.

do you not feel feel S A bit where S S permission I get the agreement conversation is okay to discuss whether that we agree or disagreement purchases. But asking permission, like, excuse me, daddy, may I buy to face is a .

little more than that. It's sh'll start for saying what he wants to get and my, O, K, great. The sport.

Like what sixty box go? Yeah, I like down my go. K, and then SHE gets the register.

This is if he calls me beforetime, SHE gets the register is like IT turns into one ninety and i'm like, well, how that happened? What he would be getting in? She's at the register with people behind her.

And so I asked me these questions with her below people behind ders that puts pressure on her. And I ask for to tell me is what are you really getting I mean, if you want to go to get the needs, stick to the needs, stick to the budget of that shopping trip. Don't just i'm .

going in for needs and I just I guess i'm not getting the estimate correct, but i've gotten a lot Better at you.

Walk out only with needs.

I'll go there with I don't get my once unless he's with me so that he can agree that I can get in.

How was the thousand hours spent .

on how .

guys how h wasn't .

just h used org .

in months month 了。 86发电池。

Um we probably put that other other purchases. Is not missile is both not going out to eat? I only gave you missile is going out to eat.

The order and pizza， the insomnia.

let's go out to eat.

eating out.

We had video rentals, we had video game stuff, we had city smokes, we had W S S shoes and we had of tmo o and even knows possible to spend two hundred twenty four dollars on tmo. That must be the .

entire store I M B T user using. Okay, i'm given .

the and is so confusing. Listen, why is one being treated like an infant？ You already to put an instance inside of her. Why are we still treating her like one?

Um I just I don't .

get IT in listen maybe maybe he would be a complete up SHE was given all the access and freedom, I guess like maybe but isn't not just a weak relationship that we have here least on the side of money is weird.

Meat is pretty great other than money, money is the hard part .

and is one of the leading costs a divorce. So it's probably something we should take care of. Is that not weird?

And it's uncomfortable to for me and that thought process to be okay with and just not realizing it's not comfortable, 对 吧？

Even still you say I don't have like like I break easier something like you break a thousand .

dollars easy yes.

I and what's the world? Because the point, why not work together than if if executive action is clearly not working?

Yes, we should.

I want to know self. We're going to jump up in the money right now. I want to know self going to go, three, two, one, go on, go.

I want you guys to give me your household financial scores at the same time. Europe, in the absolute ten, in the absolute best. Where do guys think your household is? three? Two, one?

Zero.

one can. So we both think were pretty low and you know feels what actually guys want your hammer, a financial score. It's free.

Link and description below if you guys want to come on the show, come on. I got a screwy little voice, and I well directed in the direction. Go to scale penda. M slash. Apply american credit acceptance.

What am I looking at? Hear that is the car alone. We got about .

car to replace .

the truck on truck.

Please report on everything. Yes, nothing came.

I keep .

checking.

Do we get proper .

insurance .

to cover the sign?

Yes, the car, the car. 7 yolando。

We know. What do we know? What's .

bounds? Thousand, nineteen thousand and couple hundred.

nineteen thousand and couple hundreds, nineteen thousand, five hundred. We have a minimum month payment, five hundred, one significant likely with your income is Better now with your income together. When I was just, when I was just you, that's an expensive car payment was just you actual lower income.

You, when did we get this again? Remind me last month OK, what's the interesting? I don't see IT .

is twenty four points .

for think that's a credit card. That's a credit card. You get to all the american credit acceptance. If you go a place, call the american credit acceptance. So it's going to be guys what what's .

your created scores?

Minds six eleven. Okay, I don't think you need to. All six eleven are great, but twenty four percent in you.

The low scores like five, seventy five, the high six, six, eleven.

Any time I look at my credit score, IT says I don't have one. I've never had a credit card.

H it's a new, a new for the show. You're exactly .

where dave wants you.

You wants everyone to get to a place of no credit or that helped.

Everything just says I don't have enough information to have .

credit because I yeah .

exactly never done .

anything exactly. I want you to open up the fish card. Now it's a debit card that helps build your credit.

You open up the face card OK.

Yeah, you are probably so I want you to go here to do IT at a ressource section, say, okay, you have never use, you never had a cartoon. why? Because you ve always bend with him because this actually seems you turn eighteen years like what this dude so it's like .

you've never had the I just I don't want to screw up my credit .

and i've seen too many people but also not having created is grew up credit yeah you can qualify for a single 真 in your life。 So it's just you on the long done.

And why why .

did we accept this a reality? Why we not shop around you going .

to for multiple .

around idea was to .

get a cash car, something wrong.

Good idea.

Yeah that that was my idea at first. And then they subset point. Our pad was a limit, was about this, about that and now trying .

out to hit in the table. I know lemons are angry.

but but um we wanted .

something safe for our child.

Okay, what you think cars that were made before twenty eleven were the most dangerous construction OK you think things that are a massive S V are just gonna a get correct.

We did find the hunt A C R V on the same a lot, they believe, as a two thousand eight was like a hundred and seven, one thousand miles. I had a couple of rex on the history, and I am sure you .

out car and there's lots of competition and large city get more traces, but there's a lot of more people get in cars. And, you know, I never fully recovered three pandemic. And uh, we are a problem. A Better place for is still taking a while. The thing is given you don't put in the hard work, you don't take a car and get IT checked out by a mechanical trust like, hey, well, this just last me a long while without having to put a bunch of money into a and will this is keep me, my family safe, those of things we care about, if we don't go and do that and we don't put a little bit work, we end up with twenty five percent interest rate on a car.

Guys, for a few weeks only my new debt master classes, thirty five percent off, plus the first five hundred that sign up, will get access to a private live stream where I break down how I got out of every single center of bad debt and how I now use good debt to my advantage. We still have a few pods available to get in. Now i'll answer all of your questions there as well.

In this, that program, we don't cus on pay down. I you had to use that to life schools, how to negotiate your death and Frankly, negotiate any type of payment with anyone, also over how to curb those psychological and overspending issues that keep you from living your dream life. This includes ten tools that you can use to quick in your death ney check IT out, guys, limit a time only. Link in the description below. How long between still looking for a car and getting this car?

Did you get this car? Be honest, and march.

And when did you start looking like day? You think no.

actually was a couple months affords.

okay. So how long between starting looking in this car?

Did you get this car about a .

month saher render it's .

did you take .

any cars to a mechanic? no.

Well actually we had one prospect. Um her are my parents in law they had a uh four expedition with like twenty eight thousand miles on IT IT was other than the fact that every time IT rained IT would leak into so where the Spark clogs probably not .

doing .

that right which what we now the place .

that you applied for a long on, okay, let's say we have to get to twenty thousand our car does this do the deal ship?

Yes.

why don't we try to go outside with like our country unior .

something .

you different loans twenty .

five percent can destroy .

you and the look she's giving you right now, what are your thoughts, what you thinking?

Because this is he asked for something shining.

I found that would scare me.

I don't know much about cars, so he, in my opinion, he should have known .

enough to .

apply .

previous like of .

ten cars, because I used to get just beers upon beers and culture cannot afford anything that is mean, I know, I think about cars.

I've never had a car from a dear ship, so I don't know how any of IT work.

What does that have to be from a dealership? And so all you mean going to the process of I an ana del ship, okay, not like I got a cars.

Yes, ve never gone through a dealership. So I don't know the process and he's I .

do have this magical solution. If you don't know how things are, we are on a platform, you can just ask, how does this work? And people will show you, I believe you, I feel we just don't have excuse anymore in this world for our basic things like that.

We really don't. You can learn everything. GPT can tell you for free. We do really just just don't have an excuse for basic .

things like that. Is that A I that tels you including .

you as well walking into getting like this?

What is chapt is like you just ask you a question, yes.

about something. The search of sources, the search source, I tell the search sources when I do this, really no excuse. Well, why? Why did you not think of any alone? You just trusted the readership, though.

think that the time was just desperately to get that done.

And quick as how the kitten were OK with that. And if the minds like just going to for the us. Of our life, the is to get IT done, makes us borrower against our retirement.

to get the we lost that we want just I was desperate at the time. I was receiving pressure on all lands and will pressure from her to get a done, and pressure from our in laws to get out. So we did, you know, no, move on about our lives and be a Normal family. You currently have some.

You currently have place.

No, no pressure from her parents.

No, I said wrong. SHE. She's giving you. She's giving you face. No.

she's face tours more of like we just wanted to beyond OK.

Do you disagree? Because I am .

looking looking more pressure on himself than anything, because we needed a vehicle in order to take our child.

how meat we you .

can start that.

We met at his birthday out on a late. I went with a friend and met him. And then we went to a popular bar afterwards.

Is together. He asked you out, is bert?

No.

no. We were just kind of, there is from a end sort of thing. We went to a lake.

I hanging out there like the drinks of bears. What are then? We drove later at night to the bar together or .

with the friends.

I know we were several vehicles officers.

but we have met the same place.

All the friends are just you too.

No, all the friends of O, K, and then you really like this. My birthday.

Yes, basically.

Yeah.

you supposed to be on one night stand, but see how that went.

right? What does the term legs?

Seventy two months.

This is how we wanted A, A kid with this, with this, this add, this is what they wanted, grow up. And I was raising this canada t IT. Doesn't not great. That kid will grow up to see people around them getting a lot of things and living different kind of lives. And you will be able to give IT.

Well, you only one that sign.

I wasn't even there at the dealership to read anything.

That's just a lot of pressure. I was trying to get IT done, actually have more research.

But we get pressure for a lot of different things. If you make a stupid choice, in the end, it's still, still dress pressure. I don't know. Okay.

just just look .

at here. What is all the stuff? okay? So this must be the car on the statement, the department of a department of at, at, at, at.

Okay, so we do. We have in terms of student loans, yes, or forty five thousand and five hundred forty two. From who? From me? Kay, did you ever go to school?

Do you want to go to school? Do you want to go to school? What do you want to do?

I want to stay home and take care of the children. And I like children. I want in the few very far.

It's but it's not .

now exactly.

I don't know when we're ready.

When you ready financially know you're ready for this .

one physically. So i'm not even ready physically. So recovered .

from the previous birth.

bad birth. Yeah.

yeah. He had to be do as there was meme. He's here. He's out there, but he had to be induced.

Healing was just really hard for me. I want to do a remote job. I want to work from home so that I don't have to pay somebody to watch the kids.

Okay, let me give the course for certification me um I recommend maybe like the customer service are accounting one for like that, but go through their free program that anyone can do that attaches you to a certification that would like match with a good career. Do that then we'll pay for the phone OK. So do that go through that.

So you guys just need to go through our budget and program together, go through IT together, take the place with the new deck class, go through IT together, take questions. So you guys are on the same page about that. What is good that, what is that? How to do that? How do a good way, how to budge, how to make that you to go.

Yes, yes, then together, together, not individually. And then you will takes the investing class as well, which are highly recommend and we will tell you not to do what you've done. By the way, all three classes are bungled together for twenty five percent off.

Check him out. Okay, so the student loans for forty five thousand fly forty two. Whether you get when you agree, when you get out where you go.

I didn't finish. But my intention at the time was to get a four years bachelor from criminal le. Justice from U. N. T. And this was .

expensive. You, yes. How many years were you there?

About three, three years.

Kay, we are in state.

No, yes, yes. I took.

Did you borrow this for apartments to self to.

uh, yeah. The time I went, yeah.

there IT is. So are you making payments uh.

at the right that moment before brands? Why picks up next month for what .

once the four baLance you request to a specific for baLance .

actually know what what is that?

Did you get yourself on a payment plan of income basics repayment .

even though you guys .

well now don't make IT here? Yeah at the time the a so you might get you might not I don't know. Payments will always start. What will your payment be?

Do you know that to say up each would want to show that start date and end date and IT was four eighty eight a month for everything.

ten years to paint.

But I started IT.

I supposed to started next. Then I get that well, when was school done?

Schools done. Or one was last time school five years.

You may have done. Adult, you don't. I know the statement, so I can't see what you did. But now that's a traditional payment plan. Sounds like, okay, you know the interest rates are along along these.

They all say zero, but the status say like four, eight, five, seen those numbers .

and collection service of collection charge of what force every three for what I tell? When were things going .

in the collections now? Well.

someone pull up to their cardon carma for me because this is I don't know what the so there's no information on this thing you guys gave us.

I tried that that was a big mess, but I have a experience which shows.

and i'll trying to navigate him.

I can help you navigate IT because I am figuring .

out for is looking up well, this is for my banking APP.

And then this is experience out of so much, say.

say none of that mine.

By the way, I know no date you're got zero you can qualify for I A mortal to save you. How are you going na get a mortgage but no way your credit scores any Better than when you qualified for this alone.

Anything I just brought down because .

less pay .

that because you for .

worth you, I want to say, to get our housing cash collections, tions critic collections, all state. Why did we pay?

All state? That was, uh, insurance provider that was charting as a crazy amount. And I played my bill and they think I didn't. And so I just let .

does that mean you paid your bill .

but they think you didn't? You win. You're willing .

to get a twenty five percent interest IT to not pay one time four hundred seventy three, even if you got isn't that worth saving thousands?

But you can still do now you a few months.

Ago, when was at the time?

When was this? Three years ago I moved to? 是 this been .

three years。 okay. Ambit energy, did they get charged as well? Something you already paid? Or ambit energy.

most of that history. What .

happened?

Man, I called IT. It's been a long time. I think I was living on my own while trying to .

finish on my senior in high school. No, I wouldn't be any credit, buddy. Often years.

so at least six years ago is going .

to happen.

Then by that was IT with your X.

Y. Yes.

no, no, no.

X, you OK was your kids there?

Thank good.

Thank any almond or anything?

No, no, not there. IT was a, not, not a fun break up, but I was clean.

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had collection .

of an partment.

I got bitter and .

I just didn't care what .

you yeah .

and then charter, we didn't pay internet two thirty five, which by the way, even with your past income, you should have been able to pay this often you could have improved to scored by hundred points this three of but I don't get why. Maybe fifty, seventy five.

my name, because you've got all these deaths with .

all these other places.

Sounds about right.

The electricity in my name .

because of this.

Yeah, they say i'm OK try her and I didn't to IT, which I should have.

But then what are you doing, guys? The conversation of the beginning was about how you aren't taking charge to pay off your dead and do all these things. I see no debt being paid off and confused what is, how has your care? How do you cared about paying off that? Apparently because, uh, nothing is happening.

Well, just started. And so I start watching the show OK.

When you start watching the show, kay, then you're not living in the show. I don't see in these statements and a dep .

pay off yeah I just I want to get into the points to were here now on the same page about this and .

obviously were not just i'm OK move, fine, fine to address what can we do to get on the same page? What do you care about? What do we what do you want a house?

How about that? What do you want a house? uh.

Ten years ten .

preferred than five years.

Kay.

etta, have realistic dreams here.

And five years, if we really just kill that.

we could do IT. But according to your dead.

are not willing to kill IT to get to five years. I don't know if we can not yet.

I don't think they'll be able to because, well, my job does bring in decent amount. Now it's not forever. Eventually, my brothers is gonna go into A.

And when is that? We don't know. He's there's years long waiting for group holmes right now and his mother didn't do anything. So now we're kind of playing .

catch up OK.

Yeah it's of a mess situation. But there the clean up is going to. We're thinking, what about a year you might have that maybe a little longer.

hopefully two year. Some, like them, give me time to actually build a savings.

Yes, okay, so can we? But we agree we want a house. Yes, okay.

What does the sacrifice we're willing to do to get the house? Can we agree on that? Yes, what are we willing to sacrifice? how? What kind of lives are we willing to live in terms of needs? Once, where are we? Where is our minimum that we're willing to sensually come to?

Well.

I don't have much to sacrifice.

Okay, hold on, you're the one that's begging for money to spend. No .

news.

No, you are saying wants and going out and live in your twice. So and we need to establish what are minimums. We need this.

I'd say probably between both of us and like family fun, I i'd say probably we can cut out subscriptions. Uh, we can cut out, yes.

we can cut our our sugriva. Yeah.

every single one. I don't use OK and .

I used one for podcasting, but I got that up. And as far as other things, far as the bills go, the bills are probably going to stay staring, obviously. But I cut that out, which you'll probably save this at least hundred bx a month of subscriptions at the very least. And then the whole eating out stuff we can eat, I wanted eat out .

maybe like once a month you eat out daily for work .

that's not true.

Even going to costco and getting a hot dog .

yeah is eating out .

for three dollars doesn't .

matter if for box five box and have like I make you .

watches and put him in the fridge, you just don't .

gravel yeah that that I am bad about that sh'll make me stuff and h why I just I just forget .

IT sort remember and what there's so much available guys today, we can set reminders that make sticky out this. We were not in, I don't get this these basic things that people just fail to every problems of, I get forgetting the first time, but you forget the first time. You problems of, okay, we don't live in fifteen, one hundred.

Yeah.

i'm so confused.

We didn't get a costco membership to help out with bulk buying to maybe .

reduce that. What I seen here, USA federal savings, eight thousand dollars.

said the that's a vehicle that is collection. Say, before mckale, I was spending left and right on mainly just a fast car and boss.

what was the car is a twenty .

fourteen ford musing great as .

highly modified sure.

And currently is sitting because IT no longer runs in .

your thing. Yes, IT wasn't reported.

No no, wasn't um they just .

send the action before they try to get anything .

from they have to try to reach out for that or anything.

How is that in collections?

Uh, three years probable.

okay. So that's up for a long time. So if if you trying to get a house, kay right now in .

the process of my friend, showed a great interest in that who is a cargo himself and he's wanted to pay me for IT. But I I have to make negotiations with USA to let me pay for because last communications had with them, they said we can't transfer in the boy's name that was four years ago.

Didn't you get like an inheritance though? Some kind of scanning your .

notes for this, yeah, I am that couldn't .

pay for your booze. And when did you get your inheritance? And what was that?

What even was IT? Yeah.

played for all of IT. So how much in?

When and for why? My father passed in twenty people. He's Better now. But he passed along one hundred and thirty eight thousand dollars to me.

What happens?

Wrong people around him.

what? Well, right after that, i'd discovered a dollar in my first marriage.

And that discovered adultry as and he was deleted. En, or you were dead.

I walked on her dEllen you.

what did you join? That's IT sorry you with their bad time. I shouldn't ke.

but I walked on that. And there was an aggressive divorce. With that likely neither party took money from each other, but a clean sort of divorce. But okay, awful, that throw me down a really bad spiral. Yeah of so really bad is sorry.

take you time and believe me.

the only person that will forgive me is myself.

Okay, are you, are you so hurt on yourself about about you? Pass your best is your best man. I have them so much in life and there are issues, but they feel like some, i've so much in lifetime. But what defines me, who I am today, what i'm doing today, or what happened a few years ago, you know, you learn, you grow with the human experience, I understand, is also a human emotion to always do well on things like that. But what what happened to the inherent .

at all guys spent on that? Most you're looking, even those not paid off. The modifications for IT was the girl hundred .

hundred over .

one hundred thousand hours into a must not just okay IT going out to eat um not working.

He was in .

time no okay. So we weren't .

replanning shing IT at all. We were just using IT for how long .

over the course?

How long you very, very I met him .

right at the I was full student. Ut, and you know, when that hold divorce happened, I got I got crazy. Well, with the my father dying in the divorce following just firm into spiral way.

I have a capital one also in collections that's .

the other credit or in collections OK .

was staying.

Then what was that seven? So when did this going to .

collection in seven thousand one hundred thirty four last year .

we're .

having last year. We were together for a long time at that point. So what happened?

I was not last year .

twenty three, the last statement .

you got that while we were dating, we were not married when you ve got that credit card.

Oh my god, s great. timely.

Ines IT started. That card was my, we just .

paying minimal pay on this is credit cards.

I racked up really fast, and we wacked .

IT up really fast. The minimum on this was probably what, like seventy five, though.

could make that, I think, was two fifty.

Oh, do something.

okay. What that I racked IT up really fast about a month.

Well, you're together. We were not boosting bad hopping we were doing whenever we were going .

to a place called texas runs on sphere. It's works. A hatchi for take what?

okay? Yes, what was going to? What's going to that sounds will repeat runs.

Yes, of course I am.

Is this like a twenty for our renison during five days a year?

IT goes for two months every day.

How many turkey legs? Who gets this?

I wish he was turkey y legs. Or are we?

To the first day, I spent about thirty seven hundred dollars.

one in what possibly garb, weapons you guys want to get. You didn't even care. You didn't not care.

How did I care? I got drunk. Also.

our finances were not put together at that point.

So I did. You even know what you were doing more?

I was drink. So part of IT, yes. Part of IT.

no. I don't think you can drink.

They have a lot of the a lot, they have a lot of me there.

I got crazy. yeah. And then .

afterwards on those payments, I got I got angry with IT. Okay.

you can keep doing this because that has been an a recurrent story throughout one. You get angry if you make a decision is something you get angry. Collection, get in that a that I get in that cars not working, i'm gonna pay IT know, is not how those the words are going to work.

What are you going to do? What you getting ride the kid just gona walk away. This, this, this is a recurring thing throughout your life, and that is not going to result in any positivity, because what is this company and then why ens, your car get so much to go get a car? What you qualify is twenty five percent interest. You just made .

a salesman.

It's about the action you do. I can be an emotional person too, but that doesn't mean I go out in my life. There's have been wrong with emotions.

Emotions of human and natural isn't my voice right now. It's all motions. But but i'm not like destroying my life. With that, your england is to walk away and give up.

That is not going to be okay if feels just you sure, why not dying a pit? But now you have a kid, don, you have a wife to take care of. Okay, so it's not about you anymore.

You can do that anymore. It's time. The man of god, I believe if you don't like IT, you got ta deal with IT.

I've tried .

telling you.

And why hasn't that come through when your wife tells you 我要？

Because he just doesn't listen to me， he'd rather listen to somebody else who tells what he wants to hear.

Who who's only .

need that friends, male friends.

try be power .

point away from.

Yeah, I just use, use. I just then how .

do we prevent this in the future? Because this has been a really current thing over at least .

the past six years. I mean, I have a suggestion and include me in IT. Let me mediate. Hey, maybe this isn't such a good idea. If we only have this much for that needs to go towards this, let me see what we have so that I can put in at least some sort of an opinion, be able to help out with, hey, I know you want this, but you know what? Maybe that should go .

towards this instead. Yeah, but we didn't do that for last four years now. So you've been there for .

I have never been able to see the savings and known exactly what we have without asking you to send me a screen shot.

okay. So I started doing that because we were living about before you go four years ago, living in brisport at the contractor job. Um I was seeing just realizing after year being there, we were saving a time as why I started looking at and then there will be time to go the girtin or winning like fognini, ours, whether with needs or not, if freed me out. And so when I decide to.

do you feel like you're being .

controlled sometimes?

Yeah do you feel like a wife in this relationship?

Most the time I feel like a daughter. I ve told him this.

I let's be real for a second. Dealing with car insurance is absolute death. One minute you think you're getting a decent way and the next your hit with some random fifty dollar fee.

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been telling him this since he put everything in the .

same things at least a year, probably.

Why have you done nothing when your wife comes to and says, I feel like i'm your kid, that you.

Um i'm just scared to death. I'm terrified of doing so.

You are good. Y yeah.

scared that of repeating. But I did what you think.

What didn't including her help? why? Why is her being able to locky things? Repeat your but that isn't make sense.

Yeah just I just petrified what .

that what that did not answer my question. How does her be a part of that? Repeat your mistakes.

And also you're borrow ing against your retirement to replace your once that you lost, you are repeat in your mistakes. So h how how was her being able to look at statements you repeat? This doesn't make sense.

We wanted to get a new furniture, but I I just suggest getting use furniture at first, but then take good story.

Certain things grows me out, but I know I should have just, dude, wealthy neighborhood .

ds face with markers. Wealth neighborhoods give out of everything for nothing. IT is not gone.

I was more worried about getting a couch that somebody .

did .

the dirty on, did the deed on.

People have everywhere. You've bend in battles that people, if I IT doesn't, who cares? As long as there not, not everywhere, IT doesn't matter.

The thing that could be all over that cow.

get the couch clean. It's cheaper. Get a bunch of use, Frances, to fill the place.

Have a cleaner over one time to deep clean everything. And I guarantee that is your furniture new furniture is so beyond ridiculous. expensive.

We got IT for because we .

ent and it's probably not going what is that?

Just three year clinic for about eight hundred .

and that's cheap or three seat recliner. So okay three, eight hundred. okay. Yeah I can see that it's kind of on the mid sure.

see that matches IT for six hundred. Hi, new bed, new mattress.

king side. Find you what we have a twenty five percent interest card. okay?

That was for about seven fifty for the king size metro and bet frame and bedrooms.

And her I want her and we .

got a six ear table in a bench, so four chairs, a bench for six hundred. But they refunded us five fifty of IT because they were relate on delivering IT.

I don't think that was the couch you could have gone cheap er on that end with you, you could then you probably .

get to get some some kitchen wears. Well, I ve said it's .

certainly not the most expensive for natural stuff. So this was our big disagreement. She's not a lot to look at finances because you guys got cheap new furniture.

No, our biggest disagreement .

is so that what okay what about IT uh door .

dash h have high disagreements against so you said you have .

a dordick in three months.

Um i'd say less than three months .

no what what is our disagreement?

He's holding that when I was freshly post pardon, I was unable to get up and thin for myself and cook for myself. So I would dash food to me in order to eat well is .

at work that seems relatively fair.

not about forty thousand time.

All that. I mean, you could have also just spent a Better husband and had meal meals prepared yeah someone .

that got up that yeah we an I made your girls reform, you know, most of time.

but I could not cook for myself .

like physically you could not i'm taking your word on this.

I if I stood for too long.

I was an exciting like last two months of IT, about the first.

what all done to wait with.

But for the last couple months, as he was close part o that's .

when I ordered a lot of door dash because I oh yeah.

OK couldn't .

get up in fin for myself.

When was postpartum one? Well, IT is seven, right? ten.

It's ten. okay. Yeah, he was born in december.

But that sucks. That suck. But no, it's SHE has slow down. But initially was a lot ordah a lot.

What is the issue here if there's not door d anymore? I'm confused .

and use .

store dash is when you wanted food. And so we ordered something for me.

What are you guys? What are we talking about? If there is no door dashes, what you said, then what are we .

even talking about here as a couple days ago while working?

No, I could eat what's at my mother's house that he ordered for us.

O SHE show, call me and say, like, she's real tired and doesn't want to cook, which oh my okay. And then order the door shit. Do you cook? Why don't you? Well, Normally.

Now, what is this? I have another saving singing collections. Seven thousand four hundred fifty one.

What's that? Is the U. S. A credit ard I had before, two collections before?

No, I don't think so. Then employ alone, up six thousand and dollars as now.

what is the interest rate on this loan?

Ten and a half percent. So and I obvious endor combing the fund, I opened up my broker. Mom and I, I do this like a couple times a month.

I go in there. I buy some S P, five hundred, obvious. That is combined ten percent.

some of the total return.

yes. So you're yourself, you are even making a difference. If you're making a difference, we can have a conversation.

What's the point? So you taking out a ten percent interest is worth all that you got. What did you get? I need to know.

What did you get? All the fury listed?

Thank you. You said you lost. What did you lose that you had to buy?

Well, we actually lost and get rid of a lot. We urge.

What did you lose in the move? You said you have replace things.

Did you lost? What did you move? We lost A T V OK.

Come on.

We only luxury some, uh, a brea breast pump. Breast much is a .

breast pump. I've never breathe my pump .

hundred and fifty box per.

We're not even enough to four thousand hour guys.

What did we lose? All the money went to actually getting into the apartment because my credit was so low. They required, yes, they required a month rent fee.

You because we're .

in an apartment before no, we were at .

say for a month for sake.

That's what we try to do. But the last two months we saved, but previously we didn't. But to that apartment most that .

then do another too much and safe i'm confused. Yeah guys, we're not boring at ten percent, ten, twenty five percent against our retirements. If we cannot, we're. On movie into an apartment, if we have to borrow at ten point five percent every time, that's a up about that.

I wanted to say longer, but you know.

thanks for my special needs. Brother was moving in and didn't have a room anymore.

things I haven't sleep .

between you guys. I don't know, know. No, I get I get that that that is an actual that that is a fair point .

that does that .

put that puts the time around on IT. Everything is easier, sad than done, but there are solutions, people who give up or just accept the expensive thing. One of five percent interest on our car is someone who just didn't put in the work.

Find solution to get creative with someone who says, oh, I just forget my lunch every day. Dairy queen, peace, a currency role, come on, guys, will be done with subscriptions. Winning garden B S from gassion charlie filly stakes jato two hands prime video cash up about twenty, cash up out thirteen, cash APP out thirty six. Prime video zero out twelve. And was a marketplace and was a marketplace zin out five hundred.

We were paying my family five hundred dollars for utilities that we were using while living there. So five.

this is kidwelly year old work.

He goes with me.

that's right. Because his family, yeah, police station network. We don't need IT what we're trying to survive selling out a hundred waters burger door. Dh, t, we do. H, team D, D, sounds chinese to me 哦。

OK.

amazon s, on driving city smokes. You trying to die before the kid was old? Stop what you smoking.

I guess what did you do that? Well, there was in you. No, then you can probably not pick a back .

up instead I picked back up. No.

I just had someone on whose, uh, based, uh, since he was in her early teens other day yeah, he also one episode. T hasn't got off since we record of this.

lovely.

Yeah, you want to do that, want to lose and necessary.

We like breathing.

I'm going to P, I, O.

Then I enjoy IT.

I don't want to know, you know, I enjoy pop up in this. I probably do IT cause the scars. I need to pop this one. I don't do what because of scars.

I I want to go get five guys after this is not like I made in great condition, but I could get fat as I really did what I wanted to do. So just because we want and we like means we don't stop. I don't get a stop if you know you can one hundred percent stop up.

IT was really hard to stop, but I can try and stop.

IT was, but you did IT and you did IT for your kid, right? Yes, do for your kid again. They're going to see you smoking.

What's going to prevent them? I do not want him smoking and I want him to get addicted like I am hh.

and maybe stop.

I am actually the process of .

stopping myself vertes. What is where in the process I have .

these tablets and dissolving in a month like a twelve program that costco sales IT .

was you that I never want you.

I tried and omit .

too much high .

the beginning. Yeah, can you start? Hf.

I don't know if they have.

because they're like me, tablets and they have gone option.

talk to a doctor. See.

you could probably talk to a doctor and get something different. Just seems like the gum and means are more expensive than .

the waves about you, about you. We do not know the long term consequences. Again, loss along the other day on the show. Vending machine, vending machine n machine who's gone to the vending machine .

every second I don't go anywhere.

Stop jack in the box. Panned express, talk about going and getting to B. S.

Maybe who knows? Prime video again, movie rental. Dor action. Jack in the box .

that was not jack in the box.

Tmo, tmo, tmo. T mot, what are you getting? An N T moon team moves like five cents of the thing you ve ever seen. What are you getting?

Usually Christmas gifts.

where in october I, and this was in August.

I spread IT out over the year so I can.

okay, what are you getting for teen, for someone?

They are actually pretty good stuff.

What .

are you getting .

a few .

place?

That's right. Those are you new shoes? okay?

You don't have .

shoes pair that were all part pair .

that you only had one pair.

I need one issue, yes, but as far as the collection of IT.

no.

like maybe at least .

seven one per .

ten year tender 这样。

The issues have for you starting to play tennis?

No, but I all I have like cowboy boots and those are exactly K.

O, K, O, K, O, K. What the tmo, it's a lot of money to spend .

on tmo more than anything like decorations.

decorations, Christmas gifts, right?

Yeah, you're finding the entire chinese coming is party all the cash f our sixty box cash f out fifty five box cheese cake factory, hundred forty eight doors kill me now.

Yeah.

that car wash. great. You live in taxes. You're find there's no one, there's no sult, barely any CNY dust. Okay.

come on that from recently the car .

washed .

August end of August. Then cash up in out five dollars on my set. You guys up with the financial advisor at domain money because they just have more time than I do.

I personally use them. They're great. And you guys can just sit down and talk about your goals with them and they can really map IT out more than what we have time for. Am I such you guys up with the advisor with under great, I have to recommend, but I I want to get a budget. And then we can see what life might look like, what we might be able to sacrifice, what things could be to get to some kind of go on, what we can cut back on. What's the rent?

Uh, seventeen and eighteen? Oh, good. That's with water and all that.

Oh, that's all utilities.

No, that's everything .

about electricity.

What's electricity to fifty? We just moved in.

but that's predicting .

IT is projected to be between one fifty eight and .

one seventy five once. I guess, we just .

moved .

in at the beginning .

october for you. And then we have the hard.

The other mean toyota.

So our debt minimum payments only on two decks, one thousand fifteen and seventy seven cents. great. Internet, is that including rent?

No, that's fifty.

Come, guys, is everything okay? Guess from from drive.

drive.

If a full ten classes, me a week takes forty box.

i'd still like two thirty to be safe. Two or seven. Kay tip, you find anything .

else need to survive this for your makeup. This is also just for like the kid needs anything. This is for whatever whatever ever i'm going to gave one hundred fifty box, okay, groceries.

And this can include like depression stuff as well, preferably T P fun. But I think we can meet proper. We can do things with the kid.

I think, think, think we could do seven, fifty floor meal plan, tweak IT to your needs in the budgeting class. Medical cope. Is anything, nothing giving birth?

My art copy at the end of all of IT was two you.

Peter, yes, you paid to jim. The gym pets two .

lepardo cos, but I breed my own worms to feed them. So they .

don't read worms.

The meal warns that turned a little black beetles. You just feed them. And the endless food .

to cry OK. No surprise .

is no surge.

no medical phone bill.

We are just now agreed recently got a Better deal. I'm paying forty four a months for everything I need. Um i'm just you yeah just mean it'll be A D A A month .

for you own on the phones no .

could do here.

Um same time team obble fifteen box per line four thousand and four hundred forty five dollars. We make six thousand. And if i'll give you two hundred fifty dollars for fun one either ago, right? Is that okay? Well, we live up for two hundred twenty five, two hundred years of fun. Yes.

I was OK with a hundred. I don't need.

I think so.

Have you guys senior spending four .

thousand six hundred and ninety five thousand seven seven senses, which you guys can spend? You bring in six thousand. One thousand and three hundred four dollars left on a monthly basis should be the easiest damping in the world. okay. So if you actually a line and your goals actually can do this first, what do you have anything in savings?

You know the answer again, I can't .

see you three .

hundred foot.

You should also proudly mention we had to take multiple trips to amaro.

Oh yes, yes, my why my grandfather had passed away and not so .

long ago o so sorry, so back, because that's a sad things in this one. I'm sorry, i'm sorry. That's really hot.

We got to say goodbye three .

and half months, save up one month of merit fun OK. There you go. Then you guys have a bit of safety in that.

In case anything, what happened to either of you? Your jobs? Yeah, yes, don't IT cool. And then we started attacking that stupid car, compared IT off. And a little over a year.

Yeah.

takes fifteen months to pay off. Go make money a cup back and find you do a quicker. But right now we are at a year and a half year and a half, we have one month emergency fund in the car is is paid off the ones minimal payments until they paid off.

After that, I would kill your other collections to improve your credit, the ones that are just about the fall off. And we can call that another year just to be safe. Then fully for an emergency fund, we will call the entire process three years.

Three years.

Yeah.

i'm OK with that .

three years. And I give you fun money. Come on. This is so simple.

And if anything, extra fun money that isn't spent. And just.

oh, actually I would pay off your, sorry, I pay off for your ten percent retirement. One, actually so that's eight thousand hours. Let's call this to three and a half year thing, three and half years and you should be able to do for years well with with once the dead is made of thousand hours month that speed up things yeah three and half years.

Anything actually from like over time or not just but yes.

absolutely, you kidding me. Makes this become three and half years, two, one and a half years, if you can. But I mean, is pretty damn simple.

And I just start putting twenty percent each and retirement. No, you do. Author a, you do for one. K will be fine. You will be a good life.

Yes, at that point you .

should be able to easily fifty percent our needs. Then what I would do if the houses really go maybe fifteen percent for retirement, uh, twenty percent to, uh, housing down payment fund. Can you say fifteen percent retirement?

Oh, I am thinking of really .

priorities in a house and a sound like we both want that fifty percent of retirement, twenty percent to uh into a highest saving scout for hometown payment and then fifteen percent of our income on fun OK until you get the house paid and and fifty percent of our needs and twenty percent of in after we get into house and then you can have thirty percent of fun if the house is, I think of A O OK. So pretty damn simple, guys.

It's literally this is what the issue is and this is what you need to deal with, maybe with the family council or something is you be going to spend more money is not working. You give me in is not working. You taking full control is not working, and you not getting turn and falls in the financial conversation is not working.

If we are on the same page of this, specially by going through the budgeting and debt class, you guys are on the same damping page and you sit down and make sure that I went to the things is supposed to the last month and you guys are judge for the next month, you guys will be fine. And you have one of the easier situations. We've had lots of easy situations recently.

These people are just you guys are just sounds and general lights for no reason. Spending in the budget technically made IT and you didn't have to go into further debt. But more money should have been going towards then was going towards fun.

I'm only gonna you a four out of ten there because you should have been spending a big different way that me, being generous, get things in collections and going against your retirement, so that zero emergences barely started to give you a one to be generous retirement like power against that i'm going to hold a pretty far down two out of ten. And then you need to start then real state. We're not there at zero at ten where we have our financial score for today.

We are gonna be at a two out of ten, make sure to stick around for the power. We're going to talk about some extra drum and all that extra juicy stuff that either we didn't have time to get in to or I don't know yeah because the presses are going to come in and they know everything about you guys. So join the membership, link the description to check out our courses, bother together, present of change your POI. Would ve, if I understand correctly, what exactly you bought? Because IT sounds a wide, would you just spend on garb?

I bought me and her this together and thirty seven hundred, and one day got her a let.

thirty seven hundred hours. halloy. For a day and we .

do you're gonna do a .

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