Controlling Karen Exploits Cuck Husband | Financial Audit
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you like.

talking.

Yes.

does giving your thoughts?

I want to hear .

your answer on this to ask him what he had.

No.

no.

There's such a controlling bit.

Hi, my name is a listen and forty years old. Hi, my name is corner and i'm thirty two years old.

And we live in ford.

Welcome down to Austin. So let's start with you, elisa. What do you do for live in forward texas?

M A R S. I been for twenty years. great.

Come there sometimes.

Yes, it's very. And then I am a ma program and currently.

oh, double job.

So no, I upgraded from, but nursing to. I made one hundred, one thousand a year.

Beautiful, gorgeous. That's awesome. We love to see that. What do you make? Corner.

I am in construction. I make twenty five dollars an hour, forty hours a week. I'm proud to about four thousand a months.

And the paid time off and everything.

no paid time off.

Oh, how much time do you take off?

Usually two .

weeks here.

Yeah.

yeah. And so look .

in the probability, thousand hours here. Okay, very good. So 韩 之恋， a hundred sixty one thousand. How we live in, how we done on. So how is four worth live in one hundred sixty one thousand?

We make enough to live. Well.

uhh.

we just made some bad decisions.

Well, sure, kay.

But spending gets a little lot there sometimes.

Well, up there, we have an up their income. Maybe spending is a lot to be up there. Potentially based sensor and situations .

wasn't always our income. So he just now consistently working and making that kind of money public in just this year.

okay. Well, that's what that would help us then.

Yeah, yes. yeah. So before that and like last year twenty two and three, he didn't make he made like twenty thousand dollars.

okay. But I mean, you're clearly the income you know owner of the home bringing that span, which is awesome. Um so I guess that depends on what our spending is, whether not that a problem, right? Because if we're going absolutely and saying you taking care sizes for something and sure, that's what. Well, how long if you guys been together married?

We we got married in two thousand and eighteen, and we've together two thousand sixteen.

Very good, very good. Okay, cool. So what is going on then? What do we have here? Because for you make us i'm kind of mid, but I have a really big stack. What is going on?

Um it's just that that's piled up.

Why would .

that be piling up .

with such a strong housing thinker? What kind of debt?

Uh, a lot of credit that .

why why would be being a credit or that? So what's happened .

bryer to me prior to this year, I was not I wasn't really earning much at all.

Yeah, you bought thirty thousand thousand more, but you guys are making me know at least hundred twenty thousand hours, hundred thirty thousand and hundred forty thousand hours year as household by ring ticket, even forward. Now, one of the most expensive .

ties in the states. So and point to me to you, I took a salary job from E. R.

Nursing OK. At the top of my pay for E. R.

nursing. I was not going higher. I would pick up one extra shift a week. Um so he could be a stay at home dad. He was a stay home dad up.

Oh, kids, uh, what do we have ages?

Uh, so our Youngest is four and our old this is.

And we've made .

one thirty, forty year product, one thirty, one forty k last like five is not answering .

my question, why we can dit that?

And I took this job. We had just taken a vacation to alive nia long.

long two years ago. Month long vacation. The long vacation.

Thousand of the co.

I like you like multi many two thousand and even imagine twenty thousand, could hardly imagine thousand vacation. And how do you spend twenty thousand hours on the fiction but you do twenty thousand.

Your family.

your family, everyone, everyone in the world, the whole extended.

Uh we took her, my my brother, also his brother.

and then we took my he not a big boy, he can pay for himself.

He wasn't working.

Yes.

he maybe he doesn t get .

the qualification to be a smart decision.

And are you seen all the credit dad I have is because he .

went on a stupifying. No, what our income was like because I first I will take a peak cut hours, but I actually never did. But I can't. I use able to increase my income by working extra ships. I sure pick up a shift and make .

should be initially your income is good. Yes, I am asking guys, I will try to get back to. I will try to get back.

This is not about how oh, but why do we have critical that living for our taxes, earning over six figures as household over the meeting, household come forward, taxes. why? What am I looking at here? What is happening?

We are made payments instead .

of .

statement.

Like.

yeah, exactly. I did. I did everything wrong and I knew what I was doing was wrong.

And then we didn't change our habits like we were living that inflated of lifestyle, and we didn't change the of money we spend OK. So so and he didn't really work in twenty three. He made like twenty grants .

were in the know what fencer mister dude, the biggest contribution to the housework. I don't think that's the big problem, even just a new melon make over the median household come the worth.

We didn't change our habits. We didn't change our lifestyle.

But and you really on the habits in the sand visit, they must be beyond. And so how much came do we think? How much can .

we think we are from? K ten thousand .

hundred thousand. Take a message, refine. So I what do we talk about? So only about ten thousand hours out of pay with more payroll.

There's yeah, we got paid again day after us .

and those but you these .

are a monthly statement. Some my income .

goes into different account to pay for taxes because you do I not have the account, you have the account. So that would be IT comes out. IT doesn't go into that account at all.

We have a kind. This is across accounts. This is my magical little spread sheet. I have all the counts baked in the one yeah.

I make twenty nine in nine regions account. It's twenty nine by weekly, and he brings home about a thousand weekly. And then the other account I deposit three, fifty and IT every by weekly.

You know that that up to ten thousand, the mind doing that maths?

No, I might .

three thousand twice and then one thousand four times and then the .

seven hundred that goes into the so I say.

yeah, but from .

what from what? We are ready.

I out okay, cool. How much spent .

I think spent ten thousand five hundred, maybe ten thousand six hundred.

uh, eleven thousand .

closer, seven thousand one hundred eighty four dollars one again, just reminder ten thousand k men that you know .

taking account of refund.

One one, two, three thousand hours in one hundred dollars more that we bring in wine.

What does IT going do we .

know what we .

did make extra payments on some things, but um I also know that we did not be ate out a few times. So we should .

have as well a few times a few times would .

more than a few times .

to spend one thousand one hundred fifty hours more than we make on a month basis. Do we know the issue? I mean, I do.

We have an an incident, our own finances. So we sit down, we talk to understand. Do we know the household looks like who looks to the finances? We both like the finances to be.

Talk about the finances. What does this look like? What does the household look like?

Until recently, IT was me, but what i'm doing IT together since about a.

okay.

yeah, but both giving .

wrong numbers. He was culser. We look at them together. Do we look at them? We had wrong .

sometimes look at them, he looks at them more often.

And I look at the month, like from the first to the thirty s usually as I like all I had, I add of what we spend on the so I I when I was printing those out, like I don't know what days that stopped and started on. So .

statement bounce four months. How do you guys budget, if at all? Do you guys budget if at all?

You said you .

look at a spread. We spend a lot .

of money on groceries that we shouldn't spend, like our grocery budget is out of control.

why? I don't know. So my favor question .

and I even the costco shoes, I three hundred .

two hours and series.

That's though actually for what it's worth.

we have unknown shopping category. Unknown shopping and category can be target, can be walmart, can be amazon.

you, costco and A T V. And then there like three things, amazon OK.

We do have several as go. We put that, uh, in a service category. Just be safe, as you never know.

What can I get a piece of furniture? H, B, so little different. Why are we want so much food? Okay, yeah, we got two kids once in the teenage phase, eat everything in the world. Okay, so what do you want to do?

Ah, yeah, we kind of just win our groceries and try to do our .

best groceries big as you.

okay. Can you guys just tell me, how does that actually look when you guys sit down to go over your finances, you guys go down. Do you guys go through every purchase what we spend in each category you do? Then why do we have a different number in terms what you guys are spending? Why do you guys is that in? I'm confused. That's not possible.

Think because you went to a concert this last month.

And yes, well, then you want to know that you want to say that because you go over the finances together.

Yeah, I know.

And I the country was one thousand, one hundred fifty dollars OK yourself .

was free IT was the things that went in going to go to much for the concert. The concert was free as on the cause.

the cause of everything else.

Oh, for the concert, I got my daughter A T shirt .

there for forty five dollars. I don't .

think that d and parking for like the gas, look, not gas, but the electronic charges to get there. And then I spent like thirty dollars on target. And then we .

did go get that that .

we paid a thousand dollars .

on our credit card this last month. So so I think that might be .

doesn't matter if you ve got ahead and purchase more. So I just spending also, that doesn't go to a spending lazy C A payment on a corner if is no other transactions. So we do the mathematical offset of charges versus putting on a card.

I thought we would be slightly in .

the positive. Yeah I thought we were two, but I also like, yeah.

I thought 我 有一个 we got those refunds from ticket master。

All right, I want to know. So he set, where do you guys think your household is? I'm going to go.

Three, two, one, go on, go. I want a scores here to tends to be the absolute worst finance is possible. Ten being the episode best finance possible. Where do we think we are as a household? Three, two, one.

three, two.

K didn't time. okay? You think you're a little below average, you think you're a little lower OK if you guys want to give him a financial score, IT is very like in the description below. And if you want to come on to show to kill him, I can slash apply. Be happy to have you on couple and single, anyone and everyone going on to give us a nice little.

nice little thing.

Alright, alright, go. Sorry, the finances classic. Because why we not paying taxes?

Why does no one paid taxes and so confused? I don't get that. I will never understand IT why. Why is twenty three, twenty two good and twenty twenty one?

So twenty one um was actually like five thousand there. Some fees from like not from interest, right? That's the year that they were.

I made a lot of money, put us over a tax rate, and I had you. Now I claimed, and I did I A payment place. I being Sparked what I just did, a payment plans out of paying IT off.

why? I don't know. I should paid IT off.

I said an answer, I don't know why. Why do you choose IT? Because I know, I I, I know.

I think I was working .

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So twenty, twenty two year no any taxes. And then in the year .

twenty twenty two, what have went for twenty twenty once taxes. So this would have happened in year twenty two. You don't pay twenty twenty wants taxes in twenty twenty .

one unless you're paying quarterly or something.

I just payment paying because I what's .

your month payment? One ninety eight .

the torrent dis is gonna forever. What's is their interest on IT?

I when I called them, they said IT was gonna be below eight percent but probably seven point nine .

yeah that's below A I guess. So you're not really keep you up with the stock market if is averaging like eight percent a year appearance in downer combined. So why wouldn't we just pay that? Because then we want to be able to retirer some point as well.

You'll just lose in out. okay. Then what happened to twenty, twenty three? Because if I have ever ready to begin the .

conversation said I put money for test. I can he is a ten thousand and nine employee. We didn't put anything taxes and did you .

the form from employers necessary the people that hired you contract?

Uh, I got the the ten ninety nine phone.

Yeah IT was this is even more .

so in twenty three. We couldn't even do our taxes .

and how to do an extension .

because I did l une, the happening, lost in the mail and so we didn't even in OK.

But why do we? Oh, so we all .

because we him save for his taxes.

H why that's different. Ur, new taxes were coming. I know you more.

So we also were paying child care and he wasn't making enough.

You knew that taxes were coming. And you guys can afford tid care.

by the way. Yeah, we weren't being smart .

with our finances.

Answer I don't. We do not save. We weren't communicating with financial either. We didn't stay down each other .

like I was still handling do.

Then we did not. And twenty and twenty three, I was still on me. And at one point I was done, I was like, here, I knew you take over of this because I can make my income money more than IT is. And then he do to see what we're at because we're not making enough money to pay off .

the close to be able to be prepared for retirement, especially you you're like A I mean a decade away from being able to take that out, two decades away from being able to take IT out, uh, without any penalties. And your are three decades out essentially what are not even close to being able to take advance of any kind of retirement inside your kids. Your kids, you're going to feel morally responsible to take care of you when they see mum and dad not being able to pay bill because money and .

you have money and who know look .

like at that point and my mom financial adviser so I after but you do not talk .

to my financial ada merer give you may not give like you .

by the .

stock where this you would .

probably tell you like maybe don't have this yeah right yeah he would you be willing to do that?

Yeah and we've talked a little bit last time I saw her I to tell her like we have like a lot of credit card that that we were getting out of.

but he he would be so oh, SHE doesn't know. You mean on her knowledge? I know I guess he doesn't to give like a full investment advice that what really clean and .

knowledge I I didn't want to disappoint my mom.

Okay, well, you are exactly.

I know most of that. You say like, oh my god, my mom say that too. But if you're .

making a worse, I know you have years attacks.

I did. Yeah, I would like to get them paid off this year if we kend like my one of my goals, just have them paid off before at the end of twenty five.

Are we know alignment and you guys look at money? Are we know aligned with spending at the household where money is going, paying off debt retirement? Maybe we know what happens in the past month .

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This gave wrong answers. But okay, we pretend we do to you guys. Are you guys a line on goals and understanding of what we want to do?

I think so rare for .

a couple of the show time of those .

goals are we want to get out of all our ad, that all the hard cards, the taxes and the car, and then we want .

to start saving an emergency.

investing more in to our retirement.

But we want all those things together. We just want to make sure we can get there like we because we want to do other things eventually one day, like we want able to take our kids to on trips. You going to do that if you that?

No, because we chose not to pay taxes because I bet you could pay taxes for last year. And if you out this year, you want to spending on your money on, hey, I bet the twenty twenty one taxes that we would have had to pay in twenty, twenty and twenty two, we could have pay if we didn't take a twenty thousand. Our vacation probably .

had that money is ably why that's probably exactly why I didn't pay them because I knew we are going on that trip in june because we did IT in April that that tracks. So yeah, yeah I just I don't know like, 哎呀 i kept thinking like I can work more and pay the soft is do a payment .

plan that's what o so a payment plan。

So try trying when is on other both on .

payment is minimum payment for .

so together it's one twenty eight for both.

one for both. It's gonna eternity. And then then there's nine percent interest of A, A, A yeah .

that's going .

to take for I would .

just wait.

there's more now I know there's more, but i'm talking about the taxes. Yeah yeah.

I know like I feel like we're china wanting to prioritize the high interest credit cards.

So the .

part of the things .

quick, they have a lot more power. So there's a little more risk and that even if the interest rate is lower.

yeah, so we had and when we did taxes in twenty twenty two, like I could have paid our taxes that I had the money in our account. And twenty twenty three, we have all already like a sinking ship, one that when we did our taxes for twenty twenty three, like this was an and we hadn't saved the year before and I felt like we were drowning and that's kind of like our rock bottom. When we did taxes in .

march of this year, that was like our rock bottom I ve been. And when you started working at everything.

yeah.

he great. Ter.

okay, what were you doing? Our Robin hood .

when he started win.

when he started working in twenty, twenty three years ago, he put, he put his money, he opened up his own account separate from mine. And then because this was money, he will be making to make up for what I lost when by not being able to work that one extra day a week. And so he put his money on a separate account, and then he would put most of IT in Robin hood and then pay his mom for childcare. And then by the time he was done with that.

there was nothing. Yes, what do you paying your month to take care?

The code we use to not anymore.

Now she's in how much so the page could come in and how you just most of you going to Robin hood.

He would buy groceries because he won't put IT in our main account and then he would pay his mom and then he would do Robin hood.

That was how much the .

Robin hood I was a spack. Um over the course of a year I might have put in five thousand or more. You made .

twenty thousand SHE seems .

to disagree. Twenty.

twenty five percent income went to that.

And the other like, what were you doing and know and how does this exist? I don't have a what .

have or you money .

are you doing?

I was just one day I lost all my discipline and pulled IT all out um stocks .

and crypt .

him what he .

had just what did .

you understand? What what was in the account?

IT, doesn't matter what I was invested in, I pulled them all and I started with options and then blew IT all. Ke, yeah, I called my mom .

and .

she's that's basically gambling. I like, I know.

So that was probably march .

this year .

and he wasn't working. convert. Just no, he pulled .

IT out in. So how much .

you were able to pull out?

Nothing because like.

like I sold all the assets and with the cash in account, I started buying options.

And in one is.

well, I started with five thousand, got up to seven thousand, and then last the seven.

nothing.

What is wrong with low and slow? And just getting to a point, our family is able to live. Why do you want to get all fancy dancing with some options?

What kind of the low and slow count?

Yeah, this happened this year. So that brings me concern if this was five years ago. But okay, we move beyond have no confidence that do not not going to back to that. Why do you do IT? And what do you stop?

Because you also your money. Why do you do IT? I wanted quicker .

way to pay down some credit, quick, fast, usually not the way shortcuts. I mean, specifically that isn't get that gets us to where we lose five thousand dollars.

So when you only make .

twenty and you ve lost five and then you paid your mom.

my mom, too much at the time.

too much, what do you mean what I talking about? What probably .

a regular um child care and now that .

you .

pay someone, is that .

what SHE requested?

Just I kind of why for why means that is wrong with that is like a concept of, okay, I have a good to heart and you know, maybe this is what i'm going to give that. And if he wasn't asking for that.

what are you doing? I mean, I brought IT up a few times and like, like, your brother needs to pay here us at the time. Like your brother knows a pair and we need to ask your mom to baby set for free.

We talk for him.

What I know, sorry. I mean, you feel.

do you feel like you just like talks for you because I I want to hear your thoughts on, but I feel like you just .

answers for you .

giving your thoughts. I want to hear your answer on this.

Uh, sorry.

was a question. see. Okay.

alright. yeah. So SHE didn't have a job, but SHE has to have a job in a while.

And so I felt like I wanted to give her a little bit of income. I was starting to make money myself. And I don't know. I I I just wasn't, I think, at the full scope of how bad of our debt was.

Can I tell me what you told me at one time?

是 i.

no.

let me ham lincoln say IT.

oh, um yeah. He SHE was saying about how I I told her we need to stop being so stingy with our money or something.

Selfish world. I was like, I brought IT up that we needed. Like three. Like how were supporting family .

members .

now I was like, you don't understand. Like we're in that. Like bad. I need to you to put your money toward our main finances. This was like and o twenty three.

what are you saying? What get to IT, i'm sorry. What what said he .

told me is like I needed to stop being selfish with our money really. I wanted him o in charge his brother for living with us and stop paying his mom as much as he was paying. He doesn't love with us anymore, but he loves us for you for free.

Okay, um alright, sure. so. We're where you're a little you're a little dominant in r yeah.

I don't mean you. I am controlling though. I try not to be controlling. I I really do.

I feel like that you see impacts decisions around the house. If we have one that's a big controlling .

are probably this is huge .

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I mean, there was a long time there where I wasn't working cover head. I don't have a job for two years old, stay at home and .

SHE SHE .

SHE was making all the money, but he was also making a lot of big purchases. And I would try to real that back again. But I thought, like I didn't the guy wasn't bringing in the money, says was having a hard time getting to .

the end of the sentence.

getting .

okay, guess i'm going .

to work for okay?

Yes, here I are, a stop payment. OK, we have this, oh, good, create cards of transactions.

So this one we pay off every month subscriptions on there. Why do we have prescriptions .

if we literally own money to, and we have no money to retire .

with a free doing good and good and was .

a use this platform on and we have now .

looks for the kids.

good use this platform, never run free. Same with this, plus uses this platform as A I .

far there .

also kids, they're done. They don't know things well, the fourteen year.

I mean, but he probably .

watching youtube .

and I guy had to put a pin number on amazon prime because good things will see return yeah on her T V, but you'll see returns on her own thing to prime because I have to let call them like .

I didn't buy this.

My does not .

spend money SHE buys .

like guitar center .

interviews.

It's hilarious. I have a time .

number self SHE can't do in anywhere.

But he was buying guitar center over and over again because he likes to watch the popper roach interviews a favor band.

I'm not .

serious.

Cancel these subscriptions. Cancel these subscriptions. There is a beautiful free life, right? And the four real doesn't know what going on the world.

He'll be fine. Shall bit sh'll one and will trapper and cause IT. K now amazon, her favorite thing.

So I think those are just thought, and those of the things we find him on our groceries.

a cat food, crave grain, more cap food to his death wish, coffee.

So that's every other yet, really, it's every other months to put in .

for a five pound bag Carry grape are right city vange planum car. Now, this is a thick boy. What is going on here?

Is this the american indians or the costa .

american airline? Es, okay.

this one is, I don't like this car. Eeg charges mean one thousand .

nine hundred hundred dollars a year.

I like this here.

Guys.

come on. I like to have a close for close. Yes, I want to pay that, but I don't want to close IT because they charge you ninety nine dollars to have the card. Yeah so that yeah what can you close IT? When you go to P, I will get IT close.

So to pay off, the bounce doesn't go away.

Yeah, I know. I just I thought we had to have IT paid off before we could close .

IT take good now, but maybe okay. So we offer.

Why is this here, guys? We had a long time ago when we were, but like we have family all over the country and we used to use the flight miles. We haven't use them IT over year. That cards worthless to us.

You have used in a number years. It's a thousand hours of being .

max about talking about like I mean now .

I at the fight miles we have to use those and over why is the baLance .

so hi guys .

why is why is the time truth um there's a .

five thousand dollar one that we got on IT because when I wrapped my car and we had yeah so it's separately interest. It's like twelve percent which is so stupid yeah so .

this sucks.

There's a it's like a five thousand dollar like separate interest like it's like a pay for plan .

yeah so no one two thousand .

one IT was originally five thousand thousand two thousand um there are two separate ones. The two thousand yeah, that one that was a very good month. Yeah was originally five thousand.

three flex. I'm right. Until pain and fall for.

Kay charges to plan for two and five dollars interest charges and purchases one hundred twenty nine dollars, and charged the standard purchase was one dollar, thirty seven cents. Okay, so interest charging across the board like crazy again, where eight thousand, one hundred, twenty five thousand of the three hundred and sixty thousand minimum being now and significant. Lucy, you guys make money, and I take seventeen years to pay off the minimum and payments the way you guys are doing IT regrating ulaan to be approaching sixty by the time .

this is paid off. So we were always so close to the cost limit. Theyve decreased IT. Since I much is fair, I would like the closet, but the five thousand dollars was so we could pay our taxes and title on our car when we reck IT and how to get new car. I have gap.

I did have gap.

and I put my money toward my down payment, and then I forgot that I was going to need to pay the taxes and title, don't roll IT into the loan. And that .

was twelve percent, which is higher in your car interest rate alone. So would have been Better to put .

in car alone. Your car run back then .

for that were rocking .

my car .

was a big setback because that I wrecked .

IT in August of .

twenty two, the month I took my new.

I told this just two years ago.

yeah, so was a setback because we had a really great interest state and a great payment and a great purchase Price on my car. And then now we have the same car for in our insurance, one up the law and way of the same car with a higher interest rate in a higher payment, because everything, the Price of everything went up, like even I got got my money is I got what I oh, and then some back on that car. And we put IT what we got back on my car as a downs yet just to get IT down close to what we paid on the first one, right?

We'll get to the car. Go to the card. Wells fargo, one thousand, sixty four hours and thirty three cents.

That's the car.

Oh, that's the mum monthly. That's the matter. what? 怕什么？ course? Tesla model.

what for a .

thousand dollars a month? Tesla model, why is like a model .

x type IT?

IT used to be seven, like sixty four. And we had a two .

point four percent A P.

R. And then I total IT me, sick of me. Get IT quicker what you .

quicker what you talk about IT goes quick. Well.

back then, like I waited eight months for my first model y like I was on the .

waiting list. Get IT another car.

Yeah, so I should have done, but I was, I didn't want to go back.

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is the two months I drove a gas car was horrible.

And I know it's .

all all the car Prices were going up and could afford.

This is really make sense for pain.

One thousand years, in the same months, I took my new job and I could afford my other car. And I .

was, I would.

yeah. And also, my insurance was one hundred eighty before now it's three sixty. I had a car accident and I told I was like.

what was the accident? So I was .

getting off on an exit that had construction. So as a makeshift exit, and both of the barriers were on the White lines. As my cardie tell me, that was because I was that White lies. I just clipped the right side of my car. B and I was exciting.

I total IT like.

tore off the whole front tire. Why would you look why IT was really narrow? They had both concrete barriers .

on both line. I get that part why you hit IT I I driver.

then you shouldn't .

be driving going thing .

at the big night screen. No, right? no.

IT was like in the morning. And I was my very first trauma meeting that I was hosting that was nervous.

You shouldn't be driving if you can't, can do that. I feel .

there's a lot of people thought there who know me, who will not .

disagree with you, that maybe I .

shouldn't be in this an actually the drive, I clip the right, the right for end of IT. And that's what total dixit ripped off the tire like, equals total. I clipped the front of the car and just pulled .

the tire off. I honestly, that mean.

was A.

A extra.

what? what? What is your thoughts on this body?

I didn't want to get a tesla in the first place. I wanted to keep our paid off equal. X sounds great. He traded IT in GTA tesla. That was the first tesla.

why? Why you guys want a disagreement with this? Why you lose?

Because what he was able to convince me that he was a good idea to get the original tesla.

How much do you ipad? And for this convincing? Not that much. assure.

No, I I makes the .

money to spend the money.

I ve always love my family, and I do not love my job at the time. And so driving to work was literally a nightmare because I worked in an E R. S.

Earners during coit. And cove IT was still very big. I know, I know, but I wanted to enjoy my drive to work and i've never not had a i've always .

had whole life enjoy our drive to work.

Get no like I was just pay my eyes. I knew I could afford IT and like I am no .

one driving to work. I'm on making the money.

He didn't wit. I did. IT was mean.

And then why did did you win though? Why did you get to win? Why you get to win that? I get the thousand word? Because we also know that the Price .

of these .

cars have gone down the first time they .

going down a new more, but they they increase their ability to produce these more effectively. They pushed out output.

There is more say that .

moto x is Better.

but I like, I know, like I just, I don't know. Like I at the time, like I really just we had already talked about getting a tesla.

He says he didn't want one, but I don't know. What I was just trying to say is that it's worth twenty one thousand .

and six o forty five. I know that we looked at that.

We okay. So oh SHE thursday, all the spending makes you thursday. OK, my mom is the thing that .

i'm work. I want to be.

I mean, you one of the tesla wrong?

A car.

And guys, honestly, probably could you guys are any financial sites? You could have you purchase a model y in cash today. Yeah.

I used to live by this. I don't see life like, I feel like a car payment, which is part of life in recently, i've come to learn.

have a car payment.

What a whistle did I? So what I did.

I had like two years left.

And so what I did like.

did you guys target about because I he .

told me there was a paid off car. IT wasn't paid off a year. I increased our carpet to nine dollars a month for a year six month.

saying, what is the term on this?

I don't know, think it's a five year one. I but seven .

percent not not great. No so my equal ox.

I increased our car payment up to nine hundred dollars and paid more on this. And see if I could get if that was something I could afford, that the tesla was going to be expensive. And I you're formed.

if you come back on everything, sure does IT still make math that is a good for the household, known unnecessarily so that, I mean, there's different conversations.

makes everything harder. And and then you accidentally bought hundred dollars for autopilot at one time. Couple .

incident, couple.

I just, I don't sometimes .

I do that drive.

Yeah, driving. I did that like that in an accident. I.

this conversation is hitting me. This conversation is a me first six city double cash. Are these all? who? what? whose? Whose are? What are they both years? Are they each other in the cash?

So he opened that one .

OK tell me about because you are basically cup a couple thousand for max.

yeah. So I opened about four o and four baLance transfer cards a couple months .

ago .

for baLances of okay.

And what does that helping other than interest? Because you guys are not change your behavior and not for a single second. You guys you're going to make you that worse every time everyone does this in you guys situation, the baLance transfer and the car that no longer has bounced to build all the way back up and you realize this right, that is exactly happens. Hoping, hoping doesn't get us there. Hoping doesn't get we wanna get a .

wake up call so we can get our life together.

Magic pill, I can help you understand that get a budget and you resource solutions example, I and we're onna put you through the deck class, the budget in class, the investment class, which are, by the way, all bundled for twenty five percent off. Now you guys get to go through all that and you shot together, go through the s go all. You get that.

yeah. What is you guys put in the action out of the matters? Oh, you know, I go to school.

I do all the things. If I go to like music contest of matters, I don't call home and practice. Okay, so this a bounce transfer, I want to get two .

thousand and and no, there are this multiple baLance .

transfers OK to pay two nine arks.

Why max out is just so can yeah .

he there's like four baLance transfer cards. I think .

that expires and there's one .

that expires and like twelve months in the rest .

are fifty eighteen month and about .

trans for four, of course.

that why would you want to do?

Sorry, I know. I guess because of the eurasian.

You guys, not people you don't even know, is a fish cards geared more towards called students. It's a debit card that helps to build IT. And I recommend that to every guys. And you guys kind of kind but the arguments to count, but those the kind of you, so you don't have access to them, you want to hope OK then close the .

account you can .

spend money on, oh, my god. And you can.

They haven't annually, but I, yes.

you go out and accidentally by full self driving for a month. And i've .

closed sounds of that. I've closed a few like some of the cards that we transferred on here. I've closed those. We had a target card to close that one like IT was that, that was one of the transfer.

One of these not how to do than do for all them. Why not? Why have you.

I just thought, had to pay them off to close them so I will get them close cause I don't I agree with you, i'm not a credit card person. Obviously, if I got myself into this kind of mess.

okay, we got .

a costco. He has been so bad.

I don't need to give this.

We were still using this one for a while.

and we were .

making guys for this is sane IT isn't sane is IT even in like .

what is happening.

So actually, I used to be much higher. I used to be twenty thousand thousand like we stopped using IT and started .

like we're trying that's our focus is a two hundred, one hundred eighteen thousand .

forty crazy all in .

costco spending?

yes. Well, now you can buy that. You can use anywhere.

No, i'm asking you guys.

No, I mean, mostly we would spend like a hundred dollars go to costco.

And would you go to costco?

We would go like twice.

And I our grocery, I don't understand why would you guys get in using .

I will use that car a lot.

Does not answer my question. You just just that. What are you guys kidding?

I kind of just by wine there vi in .

in that's a lot of wine whole .

closed. Spent twenty thousand and twenty.

We had a winter.

why? why? How are you living in a million of life and you guys have forty thousand, thousand and entirely in more than none and debt?

Yeah, that's a good question.

That's a pretty down good one. I was a good answer. Well, twenty five years to pay off if we only do our mining payments interest this year so far. And just this card, three thousand, two hundred dollars, of course, free atam all probably five, six, seven thousand hours of interest this year so far absolutely crazy insanity.

That's maybe I did not .

interest up for like a month, one time. What is monthly and its insein it's like a car.

My keep going. Okay, who's discovered IT what .

I want to baLance transfers?

Oh my god, 是 OK。 So you, the baLance transfer king is your thing. Ten thousand, two hundred eighty seven dollars and thirty seven cents, the two hundred six hour minimal pain.

You're only doing the minimums. Okay, see four percent until february of a year from this outcome. And trip y, so we have some time there, but still it's such a huge bounce of that time. Is like if we followed snowball ler avalanche either way, is like do we get to by the time the interest free period bronze that I don't know?

Yes, okay.

that's gaff rewards.

So use on my kids there. I have to pay statement baLances. I don't make a.

but do you trust you? So I don't trust you have a created downs. Such a sense. You have paid interest on this car this year so far. So obviously.

you do not paid off in time all the time. Yeah I that's true. I I switched to the stay imbaLance early this year. I have been .

early enough because when I first .

like I first have them all.

yeah.

So I had IT linked to auto pay off my device ard, and my device at expire, and I didn't realize I was not auto paying that car. And I had to call them. I think they were reversed, ted. But that's what that view was.

This pay pal paid off every time too, looks pretty close .

at the master card paper. Yeah it's what it's linked to my my steam account and .

what you get.

We like to play videos.

please, okay, great, please. The games ready, help.

So my son will buy like expansion when I he .

does chores around .

the house like that's .

what yeah he those are .

his purchases but he give him cash. He had cash .

from Christmas. Get themes microsoft, microsoft, microsoft lizard and boz's .

ds domino's .

not gaming board .

would .

be dominis not gaming.

But IT was related to we are .

playing the well and the .

new expansion came out. Money, money you pay A A A .

few years .

you to be working to deck quicker. I don't even like .

yeah like I only new seasons and expansion and I had IT and I don't have to pay for anything. I think you had to buy some coins.

I don't I don't guys. I don't need a just like such a story. I'm sorry, it's like you don't have money, don't spend IT.

but that's why we went to dominus because .

we didn't have money.

Mom didn't want cook that day. I wanted to play video game.

Yeah, your child.

I was that we can. My my fourteen year old called me a child because he was like to you. I not playing your games right now. Like all you want .

is I think and hope you yes, if for forty years has to tell us that's not a joke. That's funny, funny and all guys. Good， really, really. So just keep going, just keeps going. American express blue cash everyday, that is for there.

Is that makes sense? That's falling into or you too? Well, okay, we have a thousand five hundred and four hours on here and seventy five cents, wonderfull minimum one day, forty.

And that's away for towards IT. It's can take four years to pay off the way you doing. And now, which means the interest certainly going to start before.

Did we have a plan? What was the plan? I don't see anything indicating a possible plan within here other than the large repayment on that one credit card. This ends a year from now. Do we have a plan?

Keep making larger payments on the high interest credit?

S K, O, A lunch method. Yeah, at the rate redo went so far, we get out of that. and.

This a patter here. We get out there one hundred and eighteen months. So .

bad .

plan, guys, bad plan. That that .

that's too many months.

That's too many months. That's more months.

And I would like, sorry, I just do some signature wife only you illegally allowed to do that in the state of texas.

We use legally to do that, say, in texas.

I was something .

created card. So this one was another one that had the my deck card connected to IT that expired. And so I had two most payments. But when I went to go call them and try to get a reversal as I never had a this payment before, I said an auto play, they offered me zero percent if I close the account. So I took IT and I close the account and took the zero percent.

Good, tom, good. Zero percent forever.

Yes, in so many, and they have a minimum monthly. So right now, that sound our top for you at zero percent. Me too. I was like, can my other cards do this visit? All because I missed two payments because of the ah i've called, I called is that and none of them even well.

take four years to pay forty four dollars yeah month. Is this your text? L breakdown. Think I see full self driving on here.

Yeah, we didn't add IT to the thing I gets. It's just we didn't pay extra for fossil driving.

This is capable.

but it's not we didn't pay extra for IT.

You got the performance breaks.

We got the performance because I was still onna be the .

other is for five .

months black all you .

got the premium material and you get the premium interior guys.

We got IT exactly the way are the when I was, but the model p the model y de performance inside the model .

y long range. So IT was like thousand got the performance battles, guys. He makes you will .

not buy another car until that is paid. And we have cashed by another AR still .

on the option.

yes.

So seriously .

continue.

What bother me know is that know tesla doesn't have offer gaining to when you buy your car from them.

you get insurance to other insurance providers like .

I do because .

I don't i've call don't get .

tesla insurance. No, I I have state farm and they don't offer gap insurance.

okay.

And so if we have an accident ent network because our car literally is not work well.

we know you're not able to drive with the wall next to you.

So true yes exactly. Thank god that can try all no um but if we had another car and then like that's our only car, we only have one car so we he has a work fan .

but and we know you dramatically .

water yes so like I don't have gap insurance, I I don't know where to get gap insurance. I've called have you so progressive will offer IT, but I have to switch all myself to progressive. And since I have an accident on my record, be work with the broker and SHE SHE put IT plugged in through all of the other places and they couldn't SHE couldn't give me a Better rate than what I was getting .

at saving rate, but SHE able to get you gap.

SHE could get me gap. My monthly would go up.

No, like IT wasn't a .

gap that made to go up. The gap wasn't only like six dollars a month. I was everything else because I state farm, even though they're charging me an extra hundred and fifty a month. I had that was a total because .

I had a had a court .

to IT a great state with state farm because they but they my rates are like a hour of the dealers more than they used to be, actually way more than but it'll show you the accidental fall of soon, but it'll show you on there you're getting charged like a premium hundred and fifty dollars a month because you've had a coracle dent. And should I talk to them .

today on our way? Well, fargo says they do.

They offer insurance. So do I just need to call them and ask them?

We take two seconds ago, le. You guys have done around the technology of google for a while now. I don't understand why no guests on the show is capable of literally finding out if something is true.

I didn't know that.

I don't even hear anything you said. By the way, i'm sorry my voice drowned out your voice at this point. I was reading what they were typing to make because they were searching that so that we can, uh, correct your thing so so I can call, well fargo .

and ask, add gap insurance .

on google S I .

don't know.

Then do, what is this? So, fine, master card.

that's a zero.

is the band .

transfer. Fourth one.

why are you the best transfers him?

Because all the credit cards were on my name, and he had nothing open. And he had a seven, thirty critics. Ce, so he opened, did IT, I came home from working is like, help and for baLances transfer.

Ds, without you knowing, because we, you let me to believe that you communicate. But now with the tesla, with this, that is incorrect. So why would you do this without her knowing?

My dude, I SHE was happy I did IT IT was .

you did IT without her knowing a big financial move .

blaming and yeah.

it's kind like why would you do without her knowing?

I felt we had discuss IT previously and I just I just screen shot about .

zero percent credit cards on my yeah I would never I would never get a proof for that like right now and that's like none option for me. But dy buddy.

why?

Because you just .

not that and he doesn't .

a sa day, you just move the day and you pay transfer type of IT. I know that there is center, but usually most people just build the death back on the car that now has zero. I don't care about that reason. I want to know why you did IT without talking.

If you saw your high field .

savings rate drop down, you need to keep listed. The feed just started cutting rates with more expected to be on the way, potentially even dropping all the way back to zero. Even I get a notice from my bank about the cut.

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not the first time .

either what what else .

you open that credit card, the couple of one create card that you had that we had to that we pay off with with those without me knowing in the checking account the savings count and you start work.

Why why are you doing all the things?

Um you are .

not a few words, doesn't mean you can't tell her anything.

Don't know that .

not the answer, 不该 说 the answer。 Or do you think he came home? Boom carcas .

zero percent if charge .

money to, so do I.

I was a little bit like taking back that you didn't ask me, but then also was kind of like, well, this will help us if we can make big payments on other ones, so I will help. IT wasn't a bad thing, actually called my mom and told her and talk her about IT too. Afterwards, I was like, hey, like Nathan opened up from zero percent cards to transferred that too.

He's I just to know how much that we have but also IT wasn't a bad thing. I wasn't mad. But I also was like, IT is only going to work if you don't use these cards.

And I think there's one card where when I went to go put in our because I have had logged enter all of our auto page stuff and I like both milk. What is that? Why are you are using this card? Not a transfer?

Yeah you then so .

he like has a history of opening up, saying is out being a family decision.

hey, which would lead me to believe that that is not going to not happen again in the future.

IT would lead you to believe that I would I see how need to believe that?

How do we prevent this? Not a good thing.

Know how did not prevent IT member just did not. Do IT remember .

plane ticket to new ork. So the plane ticket in new york, one one .

OK.

So like when we hit rock bottom in April, may, like he was just to fly in new york for his brother's bachelor party, and we had decided that like that's not like we can do financially. He is a little brother, you can go. And then when he came out of our his gaming room to tell me that he touched his brother, IT was to tell me that he bought a plan to get said.

what do you into and you not married and confused?

Hey.

only has one brother. I didn't go .

to either one .

of sisters .

conversation about them ever. We had a conversation. The .

conversation was that it's probably financially smart that we don't do this.

Do you not think you're married and confused?

I think i'm married.

Why do you act like you're not financially? Does SHE have no say, they have no interest? Or is that because she's so dominating that you want a little independence?

I think that I mean, I I do like to have control of situations, but I also don't. I do care about what you need to want. I just don't.

I was hope in you with the answer are not you. But I got .

some help to pay for IT.

And so I just did IT .

with everything in my body .

yeah i'm like, sorry guys .

guys whole boy OK advantage. Who's stood alone do we have um .

so it's if it's one point, one percent is mine. Um I think advantages me and then .

let him yes advantages small yeah .

what did you do .

this is yes that is right. We have two thousand four hundred twenty seven hours with your monthly payment like .

twenty something and the other twenty .

five because there is small. So one point eight six percent I would monthly payment itals paid off. Who has now that would .

ah what .

do you got? Would you do to get this? You went the country to trade school.

what .

you do.

And that loan was essentially just to help me survive my early twenty years. I guess .

you even use them for like to school do okay monthly payment, fifty nine box, not crazy, fifty thousand and fifteen and then we own six thousand and two hundred forty eight dollars and forty eight and forty four cents. okay? The interest rates were looking at three or four, so I would minimum to be pay off.

And then on mine there's it's tube, it's broke down out no way. There was only one, but that was two thousand twice.

What's your other mineral m payment?

Twenty IT comes out to fifty nine total a month or forty nine? Yeah yes, forty nine minus thirty nine total one months. But they're both about two thousand.

Like every year when I would do my fast a whatever, they would do a whole new loan. So they're all the entry, but they are just separate IT out. I've always just pay the minimum because one .

so we own our home.

Yes.

yes.

What is the worse? Do we know? Do we know?

Yeah it's worth like anywhere from dependent on site. You go on like four eighty to five fifty.

okay? We have a great equity position. We only own two hundred and ninety nine thousand, two hundred and ninety seven dollars and ninety one cents. wonderful. The middle of payment of two thousand.

five hundred, fourteen thousand .

and forty seven, seven, four package. Yeah, yeah, yeah. Two point five percent payment and IT off. Great equity position. What did you guys put down for?

And fifteen thousand IT. Wasn't .

beauty one of fifteen .

thousand?

Make IT for one key. We pulled out. Move about house. Yes, I know. IT literally. I was the four one key that we did that we pulled out. I was, no, I was whatever, because I moved back from washington. So instead of rolling IT, we just took IT out and use that to put down on our house and then started my photo in k over and twenty, twenty. I know I did tell my you're .

lucky and worked out.

yes, I put that out the yes.

yes, yeah, great. Available bells, six, one hundred .

and .

have .

enough. Yeah.

we don't .

like IT to go. Yes, I know. OK we?

Starbucks, check late, raising canes. Blizz more blizz that must be, you zin out forty five.

That's long service. A one more.

Before I was amazon, amazon, costa.

costco.

I know what costco is, guys. Roman, I don't need this for every purchase. I don't M K R N B event target, never really know.

I M I Q the children, something express great american amazon, seven forty five. Zeno, fifty. Prime video, prime video.

King cares. target. So the recurrent car transaction, something three or forty eight .

dollars insurance through international date, 嗯， target .

amazon covers, amazon, starbucks, all this what we have arrested that mind new. And we have to console IT or we have to transfer our deck because we can pay. So let's go get starbeam amazon.

Those were the purchases my daughter made that we got refunded single one.

No, no. There are some bigger ones.

I had to buy some stuff to make a pumpkin for work because we have to submit decorated pumpkin. It's a part of our clearing they gave you. No, I L.

you have to spend your own money.

You don't have to go a out on the pumpkin like I do. But it's a very intense competition.

Four thousand dollars so far. Savings.

that's for taxes. We just .

just started IT like this .

year play for taxes for the year, forty three thousand hours in a retirement funding. Sly S P.

Five hundred, actually fully us. And two hundred fifty.

okay, you're right. Thirty five to go under that. Who is me? okay. So do you have nothing?

nothing. why?

Well.

you had some gaps in my employment relations. Why aren't .

you investing while you didn't have the gaps?

I guess that's on me. I guess I could have put money into L I thing for you.

Why can he do himself?

He's not your child, I thought. And I said .

why he had currently investing in my retirement .

because .

of all of our bad debt.

But you could save money on your taxes.

So he's .

a tay. He could save money, honest taxes.

taxi band and .

retirement and maybe a little for .

one king 啊。

Top ten thousand five hundred that we greet upon at the beginning in terms of net ad in our account。 But how what what number of that is yours?

Uh, probably forty five hundred. Wait for income .

coming to account. You make IT a your minimum that you'll make every if you work four hours as a thousand a week.

Yeah, cool. Let's have four hundred side for taxes. So s eight hundred side for taxes. Yeah, I put seven.

Because you have to do direct deposit to get count.

We probably need to actually set aside one thousand, two hundred dollars .

month for taxes OK.

One thousand, two hundred? cool. So real income, then seven thousand, three hundred fifteen hours.

If you actually pay your taxes, and we know you guys don't like to, but maybe we should start doing that always. Okay, that pensee non mortgage up. Oh my god, tesla is is crazy.

Costco card, this of a wide to discover IT. These are huge. So many cards. Guys, what world are we living in? Kay, not, not even including mortgage.

Our debt payment is two thousand, five hundred ninety four dollars and sixty nine cents sing our mortgage OK two thousand five hundred fourteen dollars and seventy, uh fourty seven cents. Where they see, by the way, that five has gone out the 3 great。 What about utilities, internet? All that .

combined on international forty five water is a electrics to seventy five. Here is, I think, water. I was .

eighty .

gas for the .

five k forty five phone bill.

So we, there was two of five, but we have, i've called A T N T. I look at my bills Marks. We we had phones that we turned in.

They give us guys, what is your phone bill? two? five? I don't know. It's one forty five.

Now I removed a one of things off of IT. If you.

if I switched in the.

then do that the same time is team obble. Guess the room, room. Drive, drive. Well, we know you don't. What about yours?

Usually a month.

kay coinsurance, three for both. T.

P, find anything .

else you need to survive. This is also including the pencils or suffer school for the kids to another box OK. Very food we can easily do, planned in our thing, apply to yourself.

to the journeys I am. I think my kids are good for school for the last year. And then like we just got calculate .

in your food budget, please. Which should be able to a thousand. You're meal prep in a couple times a week. guys. Medical health care copy anything really good?

Dal insurance, we just had the paper. That's the another thing that came out of our account recently was our daughter surgery.

IT was like fifty, but that's very .

rare but no going my addition medicine.

Okay, we have pats to have part insurance.

No but our dog is ten hard, but we he's honest. He's m make IT past this year cat. So the cat is a is a pretty Young cat. I don't have P I D .

get pendency twenty thirty five there because that makes IT easier IT. Once I guess the situation of like the great day hopefull the great game lives many, many.

I would love, I would love him to get to twelve, but he is. We lost our great, other great, and twenty twenty two, twenty twenty two was just a really rough year. And like other great died and we cost us a thousand .

dollars to put him down fully a very long day.

Yeah, I think he's at ten. I would love him to look again. I would love to yeah okay thirty .

five for the time um and then next time you guys get your parents helps in those type of situations okay, pet food. So we buy our dogs .

food at costco and it's we all into our grocery budget because the forty five books, I think, for dog food and then the cat stuff was already on here. We buy the can food once a month, the dry food .

every other month.

Guy's pet food.

How much of month? One hundred. Okay.

i'm sorry.

All right, jim gin s anything else .

that I need to put in .

your budget that I have not taken into account when i've had one of these in second for you know high income owners but and order to be guys to survive because of where you got in yourself, we actually need and actual um. One hundred forty two doors a month you guys are under.

So are you factory the seven hundred I put into so far every month? And that I make thirty one hundred? I bring home thirty one hundred twice a month, sometimes three.

It's like, so I get twenty six checks a year, so I always bring home sixty two hundred and he brings home I guess I don't you're right. I'm sorry. No, you create that that math works because he bring some four. So that's ten four.

And reminder, we are saying twelve hundred to separate access of the exes. So we're behind.

So I mean, I can always work, appear. And b, you can.

we can, but we have a potential solution. I don't necessarily like this. You're gonna you do this.

You're gonna do IT the exact perfect. It's not to get IT goes one to sell your house. I mean.

we would be up open for IT if IT was like a way for us to be dead free.

I don't necessary want you guys to.

but here's the thing we're like we've talked about IT like should we sell our house and pay off all of our debt and then rent for a little while, but we'll never see a two point five percent of R.

I know that's the heart that sucks one thing. And potentially considering IT is a movement of that, but IT potentially helps if you close all your cards. If I don't feel your qualifying, I think you maybe home a home equity.

We've talked about that.

I know. But again, so like the about transfer, you still get to paid off what IT is gonna go down plus is going to help you your interest go down. The only way i'm going to to do if you close all your create cards and you follow the budget, the only way to do IT if you saw the house, you will have enough money.

That good position is your valuation correct to pay off your dad and put the down payment down on the house? Your rates going to be costed about six percent. That sucks. Six percent is still historically okay.

What if we did that? We would probably move to a cheaper area because the text is expensive, like.

well, you guys .

would move .

maybe sounds like .

more like her saying that my .

and okay, you guys .

not want maybe for night. I don't know. I thought you were making for night. You're right.

single. Get another job again. Governing and actually thousand hours a months. And this takes one hundred. And what was one hundred and eleven months to pay off here is that I takes ten years after I think you guys have gun yourself and to such a whole, you cup so much that either consolidate through. And I really think what I only wanted to do, if you guys fully follow the budget, demonstrate that you have the behavior to do this, that you aggressively pay that off, aggressively pay that off because I don't like if you guys still have your death to have access to. And then you say your spending, if you do IT, you're just moving and making a worse or so the house I next, if this is your guys to dream house, I don't want .

you to get rid of IT a dream house, but I also don't know where we would like.

Well, you will still have a chunky down payment. You'll have a choking down for me. You'll get a house that a more expensive SE absolutely will feel like that. But listen here, but your wipes in your debt .

will be smarter to rent .

and you your minimum ency debt payments outside of your mortgage is more than your mortgage payment and you're wiping that yeah yeah.

We've talked .

about IT like we have. We weren't I don't .

want you to earn, I guess, what you fit yourself in the situation where you almost needed to or you can take or you can go make more money, work more in general or get a Better job, or you're gona pick up a lot more nursing, the second nursing place to another.

I can do IT.

If you guys do that and bring actually three thousand dollars a month, then we're talking about pain all the soft, like three years. But you guys have to do that at first three years. You can do that and keep out if you guys want to.

And you still need a beautifully from the different from the get up new time and twenty five percent of months, both of you every time. I would short cut this because of people have a lot of emotional home and I understand, yeah you might, the kids might you know, there's a whole family thing here. If I saw home was just me, you know, and my dogs okay, there will be on in your this is there is more going here, but if you guys are able to, you really don't care. That might be the best option as a shortcut, you know, when we still get a substantial equity position in the home, but we get a higher way and read a more expensive because home Prices have gone up. Yeah, but that could be away and is still even if your more payments in next two thousand hours a months, you're still saving in yourself two thousand and five hundred ninety four doors and one payments and that's I rest that, kay.

Yeah, my ones big one.

So those are the options. That kind of how i'd go. That's what I person to do.

Again, consider that is a big family thing because that's a big family impact. So have big conversations around that. If not, go bring extra three thousand hours a month. I know you guys can combine, but it's also more work and it's also more childcare and also know the things think about .

but there are some cakes are coming up and their sing to is like a .

work we can exactly, there are options, but they suck. And yeah, I person rather do the house, but IT is of you guys. And if you do the equity, you're just moving IT. Mind you, again, you're not actually make any new progress. I don't want to think you are, but you need to close all that .

and you need to follow the bug. The interest rates on the IT.

i've seen some six, six, seven percent, but I don't know you guys call for because you can cause. So that's why I .

still like this, are that income is really high .

really and your credit age is pretty low because you just open a bunch of credit. Ds, okay, spending your budget, our friends you are attend that you have, I arrest that ten emergency, that's tax money for action. I don't immersive once.

So are a time retirement. There is retirement dramatically behind for forty, forty. With the income you make, we would want to see you at.

club. For your income, we probably you want you two to three, two to three to four hundred. okay.

So no, your retirement scores is really bad to, on the time, real. This is what we have a great right was going to save. And that is fantastic, absolutely wonderful.

Okay, going to be a hammer financial score. Two other ten guys make sure to do us for the post show. We're going to try to convince her to call the mom and see if h she'll finally confess how bad this whole situation as will bring the producers.

We have a lot more to talk about that the producers know because they know your entire lives and make sure to check out the debt investing and budgeting course. You can really change your life like ten, over ten thousand people bound together. Cheap Price, twenty off. Please tell me the.

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