She Hates Her Husband, But Can’t Escape | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. That screams divorce inbound. Kid's not gonna grow up in a very happy household. I don't want to be married right now. Me? Yeah, I can't. You don't want to be married to him? No. Oh my gosh. Does he know this? I've told him. He does scare me sometimes, though. Like, he can be a little reckless. I think he can change. Ring him up. Hello? Hey. Hey.

Hi, I'm Lisa. I'm 23. I'm from Dallas, Texas, and this is Financial Audit. Welcome down from Dallas. What do you do up there for a living? So within my job, we call it licensing, but like on job postings and like in the computer, it's chemical product specialist. Chemical product specialist. Okay. How long have you been in that?

Since August 2023. Okay, cool. What are we making? $23 an hour. So I think like $48,000 a year. Okay. Now, if I'm not mistaken, you're married, correct? Yes. So is this a dual income household? No.

you're the breadwinner yeah okay how do we feel living off of that so is it a you okay so you and your husband do you guys have any kids yeah we have um an eight month old daughter a month old she's little so what does the husband do he well he watches her so they stay at home um at least takes away like the child care costs because those are insane sure did he work

He did. What was he doing? He was doing quality control at an oil place. Okay, because I see $2,500 hitting your account on a monthly basis, at least this most recent month. How do we feel living off of that for a family of three right now? It's really hard. Yeah.

I mostly just don't look at anything money related, which I know is so bad. Well, that can't be a thing. I know, but I have so I like I'll start looking at it and then I will just freak out because I see like all the money leaving my account. And like, I'll just I'll just like kind of ignore it. Just like like an ostrich buried my head in the sand. Yeah, but that just makes more money come out later.

why not start solving the solution so that you don't have to freak out when money leaves the account because I feel like no matter what I'll be stuck like no matter what though why do you feel that way because that's not true I was in bad debt as well I am no longer in bad debt and it wasn't the YouTube income that took me there you know it was multiple jobs ago that I started working to get out of debt yeah and

And I mean, that's why what I kind of realized when I actually started watching the show, I was like, oh, I guess I can do better. And so I've started like moderately, I guess, tiptoeing in it. What does that look like? What's a moderate tiptoe? I calculated my debt. Like I looked at all of it. I opened the medical bills that kept coming in. I looked at them. Kept coming in. What happened? So...

I gave birth. I went to the hospital a few times while I was pregnant because I had hyperemesis. And then my daughter was in the ICU. And then she had another hospital stay when she was about two months old. And my husband has a little bit of a medical bill as well from like an infection in his toe. Oh, all right.

No, I mean, that sucks for him. Okay. So what are we looking at? Because this...

In terms of stacks of debt, I feel like a lot of the people I've been reviewing recently, it's a lot of spending issues, but the stacks of debt haven't been as momentous as we've seen in the past. But all of a sudden, I feel like I'm coming back to closer to the beginning of 2024 when there's this tremendous stack in front of me. And there is a tremendous stack in front of me. I'm happy you finally looked at it.

That's a good step number one. But what is happening? Because you're 23. I don't know how you've accumulated so much individual debt. What is going on here, dude? I mean, there's some student loans. So in total, that's about $40,000. I think there's like $19,000 federal. And the rest is Sally Mae, Miss Sally. Yeah.

Good old Sally. Everyone hates her because she's a... Yeah, I should have went with Discover, I guess. They offered, but I was like, oh, I've heard of Sally Mae. But I took out a lot more loans than I was expecting to for college because I was planning... I went to Texas Wesleyan and I was planning on commuting from my house to school, but that ended up not being an option for like...

I'm curious. It doesn't matter, but I'm curious. Sorry. It's fine. I'm interrupting. It's interesting because I was raised in a Wesleyan household and like a lot of people I knew, they ended up going to Indiana Wesleyan. Is that Islamic? Yeah.

Oh, what is that? I'm sorry. Oh, this? Oh, yes. Oh, yeah. Sorry. Yeah, that is. How was that going to Wesleyan, which is a very Christian institution? What was that like? Oh, honestly, fine. I'm just very curious. Okay. I didn't have any problems with any professors at all. People aren't just like very, very, very, very, very Christian there? And they're like, wait a minute. No. Something's not Christian here. I mean...

No, I mean, it is Fort Worth, but no one cared all that much, to be honest. I mean, there were a few...

But that was really just from a few classmates. It was an overall positive experience. Interesting. Okay. Yeah, I was just curious because I grew up with so many people who ended up going to that type of school. So, okay. I mean, I did get like Bible verses under my dorm room door a few times. But honestly, they were supportive. So I just... Oh, I assume they put that under everyone's door, right? Oh, I never thought about that. It's a religious like institution. No, it was a handwritten note.

Oh, like, yo. No, it was... Read the Bible. Oh, it was excerpts from the Bible, but it was, like, handwritten on, like, a... It was an index card or sticky note. So I assumed it was from, like, someone close. Sorry, you can continue the story. That was just a detour that just popped into my head because it kind of related to my growing up. So go ahead. Yeah.

Oh, wait, what was I talking about? The student loan debt. Yeah. Okay, so... Mountains and mountains and mountains and mountains of credit card debt and other debt and terribleness and horridness and just really bad. So, yeah, the 40K from school because I was planning to commute, but then I didn't. And then, so there was dorm stuff, a very expensive laptop, to be honest, and also summer classes,

um so i ended up taking out a lot more than i was planning to for that and my credit card debt would like like it went up in college to like i think 1200 but then i paid it off um and so i kind of like got a little bit relaxed with credit card debt because i was like oh it got high once and i paid it off and then i got more credit cards what happens let's see that's

Yeah. Okay. Sorry. I got more credit cards and they upped my limits. Of course they did. So friendly of them. Yeah. That's what I was thinking. Right. I knew I had to pay it off, but I was like, I did it before. I can do it again. It's not a big deal. So you did it again.

Oh, you did do it again? Well, not... So this is your third time going into this hike of credit card debt? No, no, no. This is the second time. It's only the second time. So you didn't pay it off again? No. Okay. I was keeping them pretty steady. I don't know. I don't remember what... What steady? You mean near the credit limit? No, it was... Well, this one is...

Well, that was after my maternity leave. When did he stop working? So July of 2023. Oh, so before the kid was born. Yeah. Why the f***? Why? He got fired. Oh, okay. I may have missed that. Yeah, it's fine. Why didn't he get another job? That's complicated. Why is he not contributing to the household? Because, again, it's fine if it's a single...

working household but $2,500 is pretty hard to live off of in Dallas and that you have an insane amount of debt which is going to prevent you from living the life that I'm sure you want your family to live uh

He just couldn't find another job. That's what he said. Like, I can't force him to do anything. Force? You guys don't have conversations? No, we do, but he doesn't listen. Why? That doesn't sound healthy. It's him. That doesn't sound healthy. No, I know, but I can't afford daycare. No, of course. It's not about that, but if he was working, I mean...

The goal is obviously throughout whatever daycare we're doing is to still get a net benefit in the end. How much was he making? He was making $21 an hour. So potentially, depending, Dallas is a large area. There's lots of different places to look for work and for childcare. Yeah, I agree. It's just I...

Kind of distrusted him to kind of do his own thing. And he said he couldn't find a job. And that's kind of been it. He said he couldn't find a job. So he became the stay-at-home husband. And I don't, I have a lot of issues right now, like marriage-wise. You do? Yeah, but... Go on. Huh?

Go on. But like... What? What issues? Communication is a big one. Also, it's like if you're a stay-at-home parent, then it's kind of expected that you also take care of the household. Sure. And I don't expect perfection far from it, but he just doesn't.

The kitchen is filthy like 99% of the time. Well, he's the man up, it sounds like. Yeah, I agree. And you tell him. Yeah, but it's kind of hopeless at this point, sadly. Whoa, do you understand how powerful of a statement that is? I don't know if you know that. That literally, trust me, I am not trying to push for anything negative or anything negative.

But I think if anyone heard that's hopeless, that screams divorce inbound. I don't want to be married right now. I can't afford daycare. Me? Yeah, I can't. You don't want to be married to him. No.

Like, I love him. I really do. Like, seriously. But like, I can't afford daycare. So does he know this? I've told him and he just told him I don't want to be married. He says, if you want me to leave, I'll leave. And then it's just like, well, I don't want you to leave because I can't afford daycare, dude. Oh, it's it's that's literally the fact of paying for daycare is literally the only house is OK.

Gosh, and I am not known for being the person who enjoys children super a lot, but... Call him stinky. Yeah, they live up to it. But I have to say...

That kid's not going to grow up in a very happy household if literally the parents don't want to be around each other and they only exist around each other. Not for the sake of the kid, but literally just to not pay for childcare. Why are you guys married? Well, things were good. It was like after he lost his job. There were just a lot of changes. He got depressed and... That happens when people get fired, though. That is a very natural thing. Yeah, it is. And I...

I would kind of push him to do things to help himself get better. And he kind of just had the attitude of nothing's ever going to work. And I would tell him about things that he would need to start doing, like pertaining to, you know, just cleaning up. Also just keeping things off of the floor. Because I was like, once there's a baby, there's going to be somebody who is on our floors who we can't have like small little choking hazards all over the floor. He was like, I'm going to change when the baby gets here. He doesn't.

He didn't. I went, I had really bad postpartum depression. So I went to therapy and I was trying like really hard marriage wise. And my therapist was like a big contributor to your depression is that your husband's not helping. And I thought that she was like completely ridiculous. And then I got like another therapist who just didn't, who I am still seeing and she doesn't really push, um,

Anything like relationship wise. But it's just like after the last therapist, I've just realized a lot of things and it just sucks because I feel pretty stuck. And how would the family feel? OK, so.

There is a chance this might come off as insensitive, but I want to brace it as it's likely coming from just pure ignorance and I'm just very curious. Okay. Curious, because again, I was not raised in the religion that you are participating in. Yeah. I'm assuming you are quite traditional if we're wearing the traditional outfit. Yeah.

How does the family feel in that situation then about divorce? Because that seems like a no option in the traditional versions of these relationships typically, or religions typically. So in Islam, divorce is allowed, unlike in, I guess, Orthodox Christianity.

But it's not like recommended. And I really didn't want to get divorced. Like I didn't get married to get divorced. But you're saying now you do. Yeah, because I... Because of the way that the relationship has went. I've never heard someone just...

say so nonchalantly just because i've accepted it over and over again like mentally i've had to i've gotten my hopes up over and over again and then 23 it's gone down and how does your how does your how do your parents okay my my family would be okay with it my mom was divorced also my family's not muslim i converted um they're christian for was it for him it wasn't

It wasn't for him, but he did introduce me to Islam. Oh, okay. Yeah, like I learned about it through him. Oh, okay. So you weren't raised Muslim. No, no. He was, obviously, and I've actually tried to contact his parents and his sisters just to be like, can y'all talk to him? His dad won't talk to me at all, and his sisters are kind of just like, oh, he needs to go back home,

But that's just not really an option still because of daycare. I mean, his parents wouldn't be happy about a divorce. And I told his dad, like, that's the direction that we're heading. But I still didn't get any sort of response. Like, his parents would hate divorce. Like, they're traditional Indians. It'd be terrible for them. I don't understand. I've never met someone so comfortable saying, I don't like my husband and I would like to leave him. And the only reason not is because of child care. I've never thought I would hear something like that in my life.

That is absolutely... I don't know what else I'm supposed to say, you know? Do you like him? Yeah, I love him. I don't love the way that he acts and it's not good for my mental health. Honestly, like the way that I've thought about it is just I don't want...

to be separated. I want things to be the way that they were. But like... Is it separated from him or separated in general? From him. Okay. So there's still... Because I'm... I tried really hard. Will he go to couples therapy? No. We were in couples therapy and the therapist like started saying like, well, you're making excuses and he has to set up the appointments because I'm already going to therapy on my insurance. Sounds like he's given up. Yeah. Yeah.

Which there's no winning from that. I'm sorry. It's okay. And I know we haven't really talked about finance as much. I did not expect this. I'm sorry. Not in our notes or anything.

But obviously this very much pertains to your situation because marriage and childcare and relationships, that is all about the money. And that's going to be even more telling going to this. Feel free to take a moment if you want. There are tissues over there. Right there. Yeah. So they're a little hidden. Wow. Okay. Sure. Sure. So where would you assess your situation today financially and,

Zero being the absolute worst, 10 being the absolute best. Where do you think you would assess yourself right now? Zero. Okay. Yeah, it's just I have a bunch of debt. I don't really have any retirement savings. I don't have any equity. So zero. Right. Okay. What's your hammer financial score?

It's free in the description below. And you can apply to be where she's sitting right now if you want as well at calebhammer.com slash apply. So, yeah, let's start going into this debt. All right. Freedom card. Freedom, baby. We're sitting at $2,917.17, which is just a couple hundred dollars, a few hundred dollars away from the credit limit. Is it? Yeah. Oh. What'd you think? Like $800 more. No. No. No.

under five oh i don't know why i thought that well you went and purchased 76 so what are you doing if you found the channel you've self-confessed to that and i know you bought the budgeting program so you're not following that which by the way will refund you for because you get it for free for being on the show and i recommend that anyone buys it i mean it's it's great but okay but yeah

You're obviously not doing that following anything that we've thought because you're going and purchasing on a card that you can't pay off and it's accruing $60 in interest on a monthly basis. It's a $98 minimum payment, which on your income starts really eating at it away. And then you don't want to be with the person that you're married to. So you leave him and all of a sudden child care pops up. I don't know how you're going to afford a $98 minimum payment. So we still purchase on here. That doesn't make any sense. Why are you purchasing? Because I tell myself.

I need the rewards and then I'm going to pay it all off at the end of the month. You mean the credit card points? Yeah. No, you're not a credit card person. You're not even close to a credit card person. This is not how a credit card person manages things. If you want to be, if you want to take advantage of credit card, dude, just use a fizz card. That's what we recommend to anyone on the show because you just have to put the money in there up front and it's just,

That's you. If you're trying to take advantage of points and you're trying to take advantage of credit score, you need to use those kind of cards. Can I become a credit card person? Yes, anyone can. I was not a credit card person. I am a credit card person. I was not a decade ago, but I am today. But you're not right now. So this, I need you to move away from this now because you clearly have no discipline as of like literally right now. So you can't become a credit card person in like five days. It's budget and it's discipline. In five days? What are you talking about?

do it on here you're taking the you're you're putting the listen it's not these are just huh i said i'm sorry for laughing it's like a nervous so yeah i've accepted that at this point it's annoyed me more and more based you know when people are on here but i've accepted that people just cope laugh through the situation because it's a bad situation but that's okay it's mostly it's mostly it's transportation and urgent care yeah which it's not like i'm saying don't do that if there's urgent care to go to i'm not saying that

But you're putting it on a credit card that you can't afford to pay off. And I know you had money in your checking account. So I never know if I do. I never look at it right now. I never look at my account. Then you look. Then you look. Okay. So my fear is I'm going to have to pay rent or like something is going to auto pay on my checking account and then I'll be out of money. So you'll build up your debt that's accruing at a 30% interest rate instead? That's dumb. That's dumb.

But at the time, I'll be like, I'll just put it on here. And then like, I'll get home in a couple, like in a couple of days, I'm going to put it on my credit card and budget it. And then what happens in a couple days? I get too stressed out about putting my money on the credit card. And you're not a credit card person and you won't be in five days. If you get too stressed out just even existing in that, in that world, then just don't, you don't need to be a credit card person. Who gives a f***? Credit card? I mean, not credit cards, like the credit bureau.

I see what you're saying. So, you know, potential mortgage, something like that. I get that. But again, you can take advantage of different like the one I recommended that still contributes to your credit score. And there are other debts. But when you have access to a credit line, you can't manage it. You don't manage it. It's scary. Yeah. So don't let yourself have access to it. It is scary. You're right.

You need to close it. You need to end it. You need to ruin its existence. Okay, but I... That's like... The freedom isn't my oldest card, but I have a discoverer that you'll see, and that is my oldest card. And my credit score is actually decent. Oh, I'm sure the f***ing debt companies love you. So I shouldn't turn it off. Because my credit history...

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Apply right now at meetfabric.com slash Caleb. That's M-E-E-T fabric.com slash Caleb. Thanks again to Fabric for sponsoring this episode. Listen, and I want that too, but again, again, the argument I'm making this, I love credit. I want people to take advantage of credit. The argument I'm making this is when you have access to a credit limit, you are proving that you cannot manage it, and it is more detrimental to your finances right now. Sure, if you kept...

All the credit lines open, and even with those higher balances that you have now, you might have an easier chance qualifying for a mortgage. Absolutely. But you are going to be put in a situation where you're building up your balances constantly. You have such high minimum repayment stacking across all the board that you're not going to be able to afford to pay for a monthly mortgage anyway because your finances are so fucked.

So that's my argument with that. It's not saying I don't want you to have a credit score. It's you have proven right here, dude. You're basically at the credit balance. You're purchasing on a card that you can't afford to pay off. It makes no sense if it's in a 30% interest. So get rid of it. It's destroying you. It's 30%? Yes. It's 28.9 or something. Oh, I thought it was 25.

Well, it's not. That's what happens when we don't look at things as we think and we don't know. Because it's scary. 27% interest rate. 28.9%. So I was correct and then I was told I was wrong, but I was correct. It's okay. We'll beat him up in the post show or something. Yeah. We'll take the bats we use to protect the office and we'll just me and you together. It is scary. And if it is scary, then why put more money on it at the very least?

At the very least, that doesn't make any sense. I'm also scared of not having a credit card because my family is often asking for money, like in the family group chats. Sure. And I'm scared if I don't have a credit card, then I'm going to become that person. Let me offend them. F*** your family. I don't give a s***. You have a kid. You have a husband that refuses to get off the couch. You barely make enough money for that area. You can't even pay your minimum monthly bills.

I don't care if they're asking you for money. You're not going to become them if we just manage this. I'm sure you love them. I love your family. Sure. Why not? But also, their financial failures, that doesn't define you. It really doesn't. Yeah. And I know they can probably hear me in the lobby. I think it's just my mom's husband if he hasn't gone outside. Okay. Amazon Chase card. You almost paid it off, but then you put so much money on it and then...

Fees. Fees. $9.43 of fees. There were fees? For what? Fees! For what? I will find out. We will find out. I think... You purchased $1,000! That's half your paycheck! What are you doing? When was that? What are you talking about? It's right there! It's in your most recent month! Scary. That's scary. That you don't even know that you spent half your paycheck? What are you talking about?

That's scary? Come on! I genuinely did not realize I spent that much money. What the f- So I assume you haven't started taking the budgeting course. I watched a few classes. And? I got to the savings part. So you're not enacting any of the education. I was going to. I am going to, okay? I'm going to do better. I'm honestly really shocked by that. How? I...

And you have $34 of interest and basically $10 of fees. It's a little bit at a time, you know? A little bit at a time is over the course of a month. Yeah. I just don't realize it. I just, it's like, oh, I'm going to go get something to eat. Oh, this is a nice little thing. And I think that card is actually connected to our Walmart account. So I think I've been putting groceries on it.

$1,171.35 a Zodan with a minimum repayment of $133.78. What are we doing? Amazon. Uber. Uber. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Going inside getting some bulls**t. Going inside getting some bulls**t. Amazon. There's a class. I don't like that you did it on a credit card. It's a Memorial Day sale. Yes. I think everyone should take the... Everyone should try to improve the financial situation. I wish I had access to something like that when I did.

Plus, we're giving it to you for free. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Uber, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Dart. Oh, that's the public transportation. Yeah. Potbelly, Uber. Do you drive? Oh. Why? I can't. Okay. I don't know how. Oh. Like, I've been kind of taught, but there's still some things I need to learn. It's pretty easy. Yeah. Who can teach you?

I've been told by like plenty of family members like that they'll teach me and then it's like you call and say hey can we do it this weekend no I'm doing something can we do it this weekend no I'm doing something dude that just sleeps on the couch constantly he can't drive either oh what the we can't drive how do we get the kid places my mom and you live with them no

uh how close do you live i think we're like 20 30 minutes away she lives in if i live in north dallas okay that's crazy yeah i don't like it for a mattress firm a plan fee for mattress firm that was the fee yeah um when i was pregnant we were sleeping on an air mattress and then that got moldy how long were you guys even together

- We've been together since like 2020 is when we met. And then we got married in June, 2022. - Oh, okay. Was the pregnancy planned? - It was. I thought money was decent. And like, I know I had a ton of student loans, but in my head at that time, I was like, everyone has student loans, who cares?

uh yeah money was decent we were both working things were looking good and so and now we're here yeah amazon amazon as well yeah but i needed a mattress because my back hurt 20 yeah i would want to get a mattress as well um doesn't mean you need an expensive one i don't know how much was the mattress 1 000 okay well that was the whole bed set i mean when i oh okay well that might be okay then when i moved down here a few years ago

I wasn't pregnant, but I am fat. No, that doesn't count. It's not the same, but I slept on an air mattress for six months, and then I just got myself a $300 mattress. Yeah. I slept on that for a couple years and finally upgraded last year. I can be done. Don't need to get in.

expensive mattress that's true now they will last that was on the cheap end because like when i was there they had much more expensive mattresses they'll sell you on anything yeah so i just like cars that was the cheaper end like i'd never looked into mattresses before so i honestly thought that was the average and my mom has actually never bought a mattress either she was with me she's only ever gotten secondhand mattresses so you brought like the least educated person on it

I didn't know who was educated on it. Hopefully someone that bought a mattress. You're going to ask who has bought a mattress before? I don't know anyone who's bought a mattress, I don't think. What the f***? Like, my twin sisters, they live with their parents. I think they just recently bought their own mattress, but that's been after I had mine. My oldest sister, her and her husband got a mattress from his mom.

so all right you're amazon we're getting natural baby mucus thing something that was refunded supplements amazon brand mama beer diapers oh okay newly 120 piece breast milk storage no one milks me in the post show gross i tell him to stop it's him not me

ballpoint pens cute first father's day i don't know a little bit of love there still yeah try detergent why a daughter needs a dad you're trying to tell him something but it's a cute book my sister's got me the why a daughter needs a mom story for mother's day and so i was trying to be nice and i got him the opposite one dual brush pen art spill stopper seth

This feels just like so what this starts to feel like to me is that oh, that's nice for this. That's nice for this That's what's nice for this. Let me buy this. Let me buy this Let me that and then also we're at a thousand dollars of purchases in a month Which is half of our income pen brush jet stream metal edition pen. Whoo. We really need that more pen art more pen art and

Queen sheets probably actually need that. Ballpoint pens, a notebook, three notebooks, and other notebook because... Oh, replacement orders. Yeah, because they like sent three packages out and then like they said they were delivered and then they weren't. And so I got the replacements and then the replacements... Like both sets ended up being delivered like a few days later. Do you regret any of these purchases? I mean...

Mostly. It's just very funny. I didn't point out the purchases I regret. Okay. This is very funny because I'm going to call you out a little. Just a little behind the scenes information from everyone else. You literally told us before this that you did not regret any purchases. I know.

And then I ask you. Because now I feel bad. Now I feel bad because you showed me the debt. Okay. Well, you know, that's actually valid. That's actually valid. Like you said, I'd spent $1,000 in a month before. I didn't think it was anywhere near that much. That is actually valid. I'm not using the brush pens. The metal pen that I got, I thought it was going to be so nice because it's metal. But then it's super light and flimsy. They're different colors.

- Okay. - And then like these Rite Tech brush pens, I didn't need those 'cause I already have so many other brush pens. - Check it out. - What is this? - Write it. - I like that pen. Isn't that a good pen? - It's a decent pen. - Okay. - The weight is great though. I love the weight. I just like, I have to write with it more to figure out like the experience.

Okay, then return them. I can do that. I can do that. Queen size duvet cover. More brush pens. What are we doing with all this? Notebooks, notebooks, notebooks. Baby walker. He's learned to walk in some way, I guess. More supplements. We're just chucking those things down. There for breast milk production. So many notebooks and stuff.

- I only brought, let me tell you the actual amount of notebooks I bought. 'Cause like the repeats make it hard. So I brought one, two, three, four, five, six, seven. 'Cause there's that other one. So yeah, it was just seven that I bought.

Which is not a just, but there are some reviews. What are you talking about? Dude, I have this one notebook. This is our third. This is my third notebook I've used in the history of this show. We've been doing this for over two years now. They were in the deals. And so I convinced myself. You spent $1,000 in total. What do you mean you didn't? No, yes, you did.

What do you mean? You just admitted you did and then you regretted purchasing because you spent $1,000. It was over the span of a month. So like in that moment, I was like, they're on sale and I'll use them eventually, which is not like- That's stupid. You can't afford it. You can't pay off your debt. Interest is accruing. That's dumb. Yeah. Yeah. Next time I will budget it, but it doesn't help anything now I know. Get cheap pieces of printer paper or something.

oh that you have to like tear like what are you doing there's always that paper sucks yes it does your debt sucks your marriage sucks there's things we deal with first fair oh i can go back to the 45 cent show the dude this video and he'll see a dude yelling at you and maybe that'll make a man up for the first time no okay he doesn't like you it's not very nice of him i know he doesn't like that i'm here

because he thinks that's gonna be great uh it doesn't matter i mean it matters but it's okay there's a lot of people that don't like me we just you know that's what happens when you become popular but why doesn't he i i don't know i really don't it's the face it's the face i have a little bit of should i call him he's probably not gonna answer doesn't answer his wife not all the time ring him up

Hey, Siri, call future X. No. We still got to have optimism. You're the one who said you were done. I'm still optimistic. It didn't sound like earlier. I think he can change. Oh. Hey, why don't you like me? Why don't you like me? Who are you? I'm Caleb Hammer. Hi, Yugga. Hi, Yugga. Hi.

We're using it. I don't care. It's going in this hole. I saw that, Kovig. I knew he wasn't going to talk to you. Wow. Okay. That's interesting. You'll never know. No, it's fine. I thought it was just fun. I was just going to grow him a little. I'm sure some parasocial people are taking that really weird right now. But, like, that was just... I wasn't expecting to hang up, though. Okay. Freedom card. Another freedom card. No, there's only one freedom. That might be another statement. Because I sent two statements.

Then I'll move on from this. Because I have a Freedom, the Prime Chase, and then Discover It. Those are my three credit cards. No, I actually have a Capital one, but I didn't submit that because I don't have any debt on it. But you have a Discover card. Yeah. You said this was your OG card? Yes, that was my first one. Okay. We're sitting at $2,652.42. A lot of these are lower now, by the way, because of a debt consolidation loan.

Thank you. Thank you. You didn't purchase on a credit card. I am relieved. Well done. Thank you. Well done. I don't physically have that one. So that's why not because of any control, not because of any level of maturity or caring about your future. It's because you didn't have access to it. I could have requested a new one though and I never did. Oh, f*** me. Well, I take back my thank you.

I didn't request a new one. That doesn't matter, though. If you had it on you, you would have spent knowing your behavior. That's why I didn't request a new one. Well, okay, then. Half thank you, then. Thanks. Okay. I'll take that. $76 is your minimum monthly payment. $55.72 of interest is accruing. It's going to take 10 years to pay off only during the minimum, which is all that you're doing because you are not prioritizing where your money goes because we do $1,000 on Amazon a month. 25.24% interest rate. Not great.

Oh, now we start getting into the... Medical debt. What is your insurance situation? I actually have pretty good insurance. Okay. It's Blue Cross Blue Shield through my job. But I'm insuring me, my daughter, and my husband. Yeah. And they take out $480 a paycheck. Sure, sure, sure, sure, sure. Yeah. What's your deductible? I don't know. Do you know if you've hit it? No. No? I don't know. Oh, you don't know. Yeah, I don't know. Sorry. Okay. Okay.

wow this was in 2023 anyway you didn't even like try to find out the deductible i mean i figured my insurance would cover all of that like if i hit the deductible then my insurance is good to check though because insurance companies i don't really like them i don't understand them to be honest i've just kind of like i got the insurance through my job i give them the insurance card and that's like as far as i go um

I mean, if we're going to like an urgent care or like a different doctor, then I see if we're in network. Yeah, yeah. We were in network. You owe $3,658.98. And what, if any, negotiations were there in terms of bills? Just anything at all on behalf of the insurance, on behalf of yourself? Was there anything, any conversations? Some of it was covered by my insurance already. I know. They paid the majority. Yeah. $27,537. Yeah.

You owe $3,658. But still. Okay. Okay. Well, that's just past due. Why haven't you enrolled in a payment plan? Because like it's... Because I don't think I can afford it. Probably not. That's why I was ignoring them. I don't know. You spent $1,000 on Amazon though. I mean, this would fit in it. Yeah, that was on credit. So that makes it okay. No, it's not okay. But like if that money left my checkings account, then I may not have been able to pay rent. Yeah.

Your account is now significantly past due. This must be another one. This one is gaining fees, I think, because you're not paying for it. I think you're gaining fees because you haven't paid for it. I didn't know that. I think. Okay. I'm trying to look. I think you owed. Credits balance. Oh, well, maybe not. So for this one, is this all birth related? All of the Texas Health is either birth.

In ICU. Yeah, it's going to be either childbirth or in ICU. Okay. Or the visits from when I was pregnant. So all like related to that. Okay. Yeah, that one's $884 though. Yeah, that's a lot. And they could probably put you on like a low payment plan too. I don't know. Like there are some that went to collections. And when I went to like the website and I like tried to look at possible payment plans, it started at like $200. And I was like, I can't do that. How's the kid today?

She's good. Good. She's nice and healthy. Good. $1,213 from that one. Okay. Yeah, because that was $40,000. But you owe $1,000 from that $45,000. Insurance is good for something. Sometimes. Okay, what's Miramed? That's a collections agency from medical bills that have already gone to collections.

That was actually the one that I looked at and tried to see what I could do on a payment plan. And that's the one that started at like $200. Through the collections? Not through the hospital? Through the collection. Well, I think through the hospital. They're usually a little more generous with that. But they already sold it. No, I know. But that all of a sudden discount, that doesn't mean you shouldn't talk to the hospital about the hospital bills that currently exist. Okay. Yeah.

Because, yeah, I mean, the collection... I mean, they're just trying to get all the money because they bought their money. Okay. Yeah, you owe $3,452 on that one. It's in collections, though. Okay, United Revenue. I'm assuming this is also collections. Yes, that is. I can't figure out... I have to call them. Well, is this also medical? It's got to be. Yeah. I don't know the specifics of this. Okay, so I understand maybe not being able to afford minimum fee payments, but it looks like you haven't, like, tried to pay anything. So, like...

What's been going on with that? Because it looks like you haven't even attempted, which makes it a little harder for me to have sympathy about it completely. Ostrich head in sand. It was just like really stressful. I am terrible at handling my stress. Are they showing up on your credit report? No, I don't think so. Yeah. There's been also rules changed about that. It was like, I think the rule was like if it's less than 500, then it can't be on your credit. But most of mine are more than that. Yeah, we do have one of 3,515.

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It's so easy. You can start your claim now with Morgan & Morgan at ForThePeople.com/caleb or click the link in the description below. But I just, I get really stressed and then I just kind of ignore everything that makes me stressed, which obviously like logically doesn't make it better. Yeah, I mean you're just making it worse. You're kicking the can down the road and then you're gonna have to pay more. So it's dumb. And it's just, I get it. I get it. I can kind of shut down sometimes in an overly stressful situation, but

You just can't. You're making that. When you finally lift your head from the sand, you're just making the world around you so much worse. Yeah. And then I bury my head again because I realize how bad it is. And I am legitimately trying to stop that because I know that it has made this situation a lot worse than it needed to be. And there was a time when I was doing decent with budgeting.

And like things like started to spiral and then it was like that. I just kind of shut my eyes because I didn't I couldn't handle the stress, which at that time it was a lot less stressful. So I could have like actually like forced myself to just deal with it. But I kind of covered my eyes and just said, la, la, la, la, la. Everything is going to be OK. And then everything was not OK. I was going to say, how's everything? Yeah. OK, so.

So they also give a year grace period, the three credit bureaus, they give a year grace period before things show up on the credit report and negatively impact your credit report. Medical collections under 500 are not included in credit reports. Hmm.

After the one year grace period, anything above $500 will start damaging your credit. Hasn't been a full year though, but it's actually really close. Oh, that makes sense. She's eight months. So yeah, that makes sense. Sadly.

But, and this, these are the changes that I've been following because this month, and we reported this in our Your Week in Money show, the CFPB proposed a rule to remove medical bills from credit reports entirely. But it was a proposal. Okay. Yeah. So I just wanted to make sure you were as informed on that as possible and anyone watching and myself. Okay. Medical collections number three. I think there's two from that company. Uh.

Yeah, this is Credit Systems. $216. Oh, my... No, no, no. You have three from this company. At least. I thought there was two. Well, we know you don't like to look and figure it out. I have a sheet of paper with it written. Because, like, I told you I did go through them eventually. Oh, the Sally Mae. This is insane. That...

sally so what did you study biochemistry that makes sense because that's what you're working in okay and you went to you went to a private school though yeah because i thought i had most of my tuition covered with a scholarship and i thought i would be commuting from my mom's house and so my payment would have been a lot lower and you weren't commuting from your mom's house i did the first two semesters and uh

Well, then you wanted to party and rage? Absolutely not. I was not that person. Mental health stuff from being in the house and my mom. There's not a single person. There is not a single person, I swear. I mean, just like, I feel like I just, everything. This is, okay. I don't want to discount what you say, but it really, I, okay. How do I say this without getting in trouble? It's kind of like the thing where people,

There's fatigues out there. Yeah. There's fatigues because people use words for everything these days. They overuse certain powerful words to describe certain people who do certain things, even though it undercredits the actual versions of those things. And every single person I swear I talk to in life, not just a show, every single person, mental health, mental health, and mental health. And mental health is so important. You already see therapists, so I'm sure there is actually things there. But I'm just like, oh, immediately.

You start getting fatigued because it's like, well, okay, I guess everyone has an issue. So it almost becomes like, I don't know. It's really difficult. It's difficult for me to deal. So what were you dealing with at home? My mom was struggling a lot with her mental health and seeing that had quite an impact on me. What was it? She just had a mental breakdown. She was pretty paranoid.

It's like manic. I guess you could say that. But me and her ended up moving in with my sister and she moved back in with her husband. I did not move back with her. So you moved out. Yeah. And so I was living with my sister and I was in Garland and they didn't really have. So you didn't have any mental health issues, but it was hard to be around her.

with mental health issues? - Yes, I guess. - I mean, you started getting negatively affected, but were you diagnosed with anything medically? 'Cause that's where I also start to have problems when people throw around things without getting medically diagnosed. - At the time, no, but like this semester, okay, so I moved in with my sister that summer.

And then there was the fall semester. And then that spring semester, I started seeing a psychiatrist. And so I did. I was diagnosed with depression and anxiety then. OK, well, there you go. OK. And my sister, they just don't have a great bus route in Garland. So I wouldn't have been able to catch the bus and then the train and then another train and then the other bus to get to Fort Worth because that's what I was doing my first two semesters.

It was like a two-hour ride. Did he go to college? Yeah, we went to the same college. Did he graduate? Yes, he did. We have the same degree. He graduated soon come lot. Okay, then he can get a job. Yeah, he's just lazy. He's very smart. But lazy. Lazy. Gift him a certification for the course careers, but I don't even want to waste it on someone like him who can't even do anything and get off the couch. Okay.

So the Sallie Mae, the low rate is sitting at 9.875%. The high rate is sitting at basically 12%. Hey, by the way, did you know you're late? Oh, okay. I did know that. You did know that? Yes. My sister called for forbearance and they... On your behalf? Yeah. She's a cosigner.

Your sister co-signed her Sally Mays. Yes. Oh, fuck me. Okay. So they were supposed to forbear it. And then they said that she was supposed to call back when she paid one month for me. But she didn't. I called her. She said they did not. Why was she going to pay a month for you? To be nice. To be nice? Yes. To help out.

So she said that they did not tell her that she had to call back and pay. But I talked to an agent and they said they could get me on a plan. And this was after I paid like for 450 or 480, one of those.

This was after I paid that. They said they could get me on a plan for six months to only pay interest. They went through the whole disclosure statement that I had to agree to. We went through the whole thing. They said they were going to take like 260 something out of my bank account. And then it was going to start. And it never did. And have you called them back? I'm planning on it. Why would you not call them back immediately? This is hundreds of dollars. It's so much money. It is. To just be like...

I'll call them. Yeah. Are you a little lazy as well? Has it rubbed? It's during my work hours. I don't have a good reason. I'm not going to lie. I don't.

Okay. This is literally your future. This is your child's future. It is. You know? So. I think my logic is since it's their mistake, then that means that whenever I call, they'll have to fix it. So that's why I haven't really been rushing. What's the SoFi loan for? Is this a consolidation? Yes. For what? What did you consolidate? Credit cards. When was that?

was that you didn't tell me that i did i thought i did such as that you paid off the credit cards and you built them back up by paying off did you mean you consolidated them no so the payoff was years ago i built them up then i paid them down so it did happen so you built them up three times you said no too so it was three times i guess it was buddy you're the one with the bachelor degree i don't even have that come on i'm sorry

loan balance eight thousand dollars at a 13 interest rate listen it's better than the credit cards that's why i did it it is it is and you can save money that way i'm not against the product of consolidation as a whole because yes you go down for like 30 to 12 and of course i like them for high yield savings accounts that's what i use that's great but but the thing is for people that have not changed their behavior consolidation helps nothing because then you just build the credit cards all the way back up and we already know you did because you're almost at the

limits for those credit cards and you're continuing to spend on them. So this is not a beneficial product to you. I would have only recommended doing this after you've proven multiple months in a row that you have the behavior change, the budgeting discipline to not build up the credit cards all the way to the top again. I thought I did. Like...

What do you mean? It was clearly my intention. Like, I got into that loan and I was like, okay, this is the end. I am going to pay off these credit cards. But you didn't. But you didn't approve it before you took out the product itself. Okay, no, I didn't approve it. See, there it is. Better just change it in the moment. I keep thinking I can. And then why can't you? I have no idea. I think I have a... Okay, this is dumb. But I was going to say, I think like there's something wrong with my brain. I feel like other people can just...

say they're going to do something and do it. And I feel like I struggle a lot with that. And it's a human condition. We're all a little bit on the shorter end of the bus. Okay. We're all right. We're all taking the ride in different ways. That's fine.

That kind of feels like an excuse, though, to just say there's something wrong. Yeah. And then we just continue doing it because there's something wrong and that's okay. No, I do try to overcome it. And I know that that's not a proactive way to think. And also you have a therapist that you can talk to this about. Yes. And also, if you know that's an issue, figure out coping mechanisms to deal with it. Because if you're able to diagnose it.

do something if it was unknown and you didn't know that that was a thing then okay sure let's figure that out but you know it so it just sounds like an excuse to me not saying there's nothing going on trust me don't get me wrong just haven't done anything to solve it i go to therapy yeah are you putting in the work that comes with it because just showing up isn't the name of the game hasn't really given me any new tools i need to find any therapist recently

I mean, I don't know what happens in there, so I can't say that for sure. Also, to be honest, if you go through my statements, I have multiple charges of 105 from missed therapy appointments. If I go, they're free. But if I miss them, then they're 105. Why? Why are you missing them? Mostly oversleeping. Although last weekend it was because I unexpectedly. I can choose the time. So I was trying to.

Yeah, I started to. They were at 9 a.m. And I kept telling myself, like, if it's at 9 a.m., then I'll force myself to wake up. And I didn't. And then last weekend, it was at 3. But then we unexpectedly went to a family function. And I was telling myself, I'm going to, like, just call in and, like, just go and step out in the corner. But I didn't have an alarm set. You were all over the place. There was, like, no responsibility. It's crazy. Okay. Yeah.

That's wild. $8,000. Interest is 12.49%. $268 minimum payment. That's due soon. Yeah, it is. The bias in this balance has gone down at all. Have you not had to make a payment? No. And that's just starting now? Yeah. So when did you consolidate? May, I think. Oh, this just happened. And you built a credit card from May? No way.

You've built it up since May? Do the statements have when I paid them off? Because the balances are lower now than like the 2000. I'm going to pull it up. I'm going to pull it up. That doesn't make sense. We request your most recent statement. We only have what you have. And we specifically say and indicate multiple times, tell us if anything has changed. We're not told anything. Sounds like you don't know how to follow instructions. I thought I sent the most recent statements. And that's what we just went through.

What is happening here? Because the statement, they don't reset until the end of June. And they did ask about the significant financial changes. And for some reason, I just thought that

They were on there. We ask if anything has... That's okay. I'm glad that something might be smaller, but that's not my fault. I'm just going to give you the new balances because that's completely my fault. So Discover is $442.10. $442? $442.10. So you took that down from $2,000. And I'm going to look at the other two cards. I mean, they're still bad.

Prime is 1712.5. That one went up. It did? Oh. Yeah. So that one went up. 172.5? 1712.5. So that one went up. So you completely offset it. Actually, with the money that went down in the... Okay. The freedom is 234 cents. Okay. $234.31. So that one went down. But one went up. So it's just like... Okay. Okay.

Now that federal student loans. Yes. Those are on. I'm not paying those right now. I don't have to until I think like March of not March. Maybe it's March sometime in 2025 next year. Yeah. March 2025 the 14th. They're all like four and a half percent ones at three and seven. So I would minimum payment till those are all paid off. Okay.

- I think that's not updated, the Rocket money you're looking at. - Well then I'm not gonna look at it. - Yeah, I mean the savings are. - Everything we put together. - Yeah, the savings amount. - And then I also have virtually here a firm. - Yes, that is new. - So what is this? - That's brand new. I won a photo shoot a while ago on Facebook. - You won a photo shoot? - Yeah, on Facebook, like I signed up for it and then they gave me like a $700 discount.

700 discount and then you had to pay how much? It was... I'm sure it was a real discount. Listen to the whole thing. So it was like, I think, $2,400. For what? Listen, listen, listen. Okay, so we got an album. Me and two of my sisters, we got on payment plans for it and they split it three ways. Oh, this...

discount to get you to spend money and you put it on our payment plan. Photo shoot? What are you talking about? Like a family portrait. We don't have any of those. Does that normally cost $2,500? I have no idea. So you just paid it without doing a Google search? I've never paid for a family portrait. Like an album of photos. Yeah, how many pictures? 19. I could have just had my filmographer take it for you. Oh, yeah.

It's at 25.27% interest rate of death and insanity. I did not realize that, by the way. Great. Well, you didn't realize if it was a deal or not either. And I don't know either. I don't know either. I mean, let's find out. Average cost of a family photo shoot. $400 to $1,000. $100 to $400 an hour. How many hours did it take? Like one. One.

Yeah, you really got a discount. You have to get the price of the photos because they said that the photo shoot would have cost $300. And then it's just like actually getting the photos that cost the money. What are you talking about? That can't be true.

that's what they said hey can you call in our photographer i wanted us to have nice family memories and i would like that too that's not what i'm against does it sound like that's what i'm against no it doesn't i'm just giving you my reasoning like oh yeah me and my sisters and mom my cousin as well we have these photos of when we were kids and we all took photos together and i just i wanted to have that for my daughter let me see one of these expensive photos

Oh, they actually did send me an email with the photos. Brandon, we need your expertise. He, like, legitimately is paid constantly. Like, this isn't someone who just likes to take pictures. He does this professionally. He does lots of shoots. Brandon, why don't you wave real quick into the cameras? Which ones? You know Brandon if you've been around here for a while. That's Brandon. Can I see one? Yeah. Yeah.

That's the low quality version that they sent out, though. What are we looking at here? Do you do photography? No. Okay. I paid for like an album of photos from a photography center. Oh, you were smiling. Yeah. Yeah. Oh, okay. So you're allowed to do that? I mean, my mom really wanted it. So are you not allowed to smile? No. I took off my veil. This is very interesting.

Because, again, I'm very ignorant about that, but I'm also just very interested in general. Okay. So why don't you explain to Brandon this product that you purchased, exactly what you got for it, how much it was, and what you got off, and this thing on Facebook that you won. So I won a photo shoot from a portrait business. And they...

they paid off the photo shoot so that was 300 and then there were 400 extra dollars put toward um like whatever photos we wanted to get and so we chose an album and the album was 19 photos and then me and my three sisters we split the price two sisters I don't even remember the total

Like each of us is on like a 900 something dollar payment plan. How long was the photo shoot? Like an hour. It was an hour and she got how many photos?

in total there were 30 photos 30 something we chose 19 to put in the album well how many did you let you choose between could you have done all 30 yeah that would have been a lot more money 30 over the course of an hour he did editing and he put together not yet they haven't done the editing yet they'll edit it and then send it out okay they will do the editing included in that for two thousand five hundred dollars how does that sound could i could i see the quality of the stuff

They don't. They only have the unedited photos and the ones that they sent me are also like... He knows what a photo looks unedited. They only... Like, these are the low quality versions because these are like the free ones that they sent me. I can see through this. Oh, that's interesting. I mean, from what I can see, it looked nice. Yeah. But this is a discounted... You said $900 each? What is that?

I think it's like, I think the payment plan is $980. And that was, you shot for an hour? About, I believe. $2,940 after a discount. Can you show me his other finish work? And the reason I say that is because if he's spending hours and hours and hours making all your skin perfect, that's going to be tedious and that would make a lot of sense. But if he's just kind of like...

cookie cutter like packaging your stuff and batch editing with like a batch edited grade yeah you know that's like a twelve hundred dollar shoot they have photos on their instagram um okay that's cool we need to capture all this information afterwards so we can pull this up oh wow yeah no this is this is cookie cutter doesn't uh change the backdrop this is really interesting actually did she get scammed because remember this was a thing she won

on facebook uh yeah you kind of did um there's a lot of photography is this in austin are you austin no that was in dallas oh wow oh no they were we're in dallas that was in frisco but still you know dfw the dfw area there's a lot of photographers in dfw that could reach this quality in their sleep and charge you half the price okay so you guys came thank you brandon

Sorry. I mean, I'm so glad you got the experience. But I mean, immediately when I heard you won a discount on Facebook, I was like, you didn't win a discount. This guy made you think you saved some money so that you could come in and give him a lot of money. And then you financed it at 25%. I didn't really know how a firm worked. That was my first firm loan. So I didn't even know the APR until...

like days after remaining balance 400 or 944 dollars 91 cents please make that your last affirm last debt at this point except for mortgage maybe a car loan at some point but careful with that 25.27 i'm trying to look at your monthly payment what's the term i think it's 36 months oh my gosh

$64. Killing me. Killing me. Killing me. Your student loans will probably be $250 when those kick in. Yeah. A month. So, yes. No. You're right. The medical debt is harder to pay and get on payment plan because you've minimumed your payment yourself up to your neck. So. Drowning. You just have to... You have to be done getting in debt at this point. Because that's just all you're doing and that's all you know how to do. And with your purchases, you're just getting in debt, getting in debt, getting in debt, and...

That's just your life. And at some point, it's going to end in a bankruptcy. It's going to end in beyond stressful situations, not being able to pay for bills, not being able to pay for school supplies. And I don't want that. It's going to get so bad. You don't want that. But yet your actions right now are literally, literally doing that.

I feel like I'm just going for instant gratification, and I know that's really bad. Spend $1,000 on Amazon and things you're just swiping that made sense on all those books. You put that $1,000. If you buy the S&P 500, just buy SPY, not investment advice, but if you were to have bought SPY in Moomoo, $1,000, you let that grow 8%, probably closer to 10%, but 8%, no additions over the next...

I thought SPY was like 5%, like the average. No, it's 10. Oh. I think it's closer to 11 right now. Either way, over the next 37 years, $1,000 would have turned into $20,000. This is just an example. Just an example. Yeah. Checking account, $923 in there. Oh, here we go. Zelling out money. Going inside, getting some bulls. Fabulous app, Paris. Is that $1? Yes. Oh, yeah. Yeah.

It's a mental health app, but I canceled it. I canceled it. What? It is. It's like productivity slash mental health. It has like meditation and also like tasks for you to do for your mental health, but it wasn't helping me, so I canceled it. Okay. Because $1 wasn't the real price. That was a trial price. It's $40. Okay. Uber. Dave. Dave.

I did. You're not Davey. Only once. Oh, don't. I did Dave and Moneylion. You did? No! Oh, this has gotten so much worse in the last inning. Oh my gosh, what are you? I don't know if you guys knew this about me or not, but

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Those are basically micro payday loans. Yes, that's why they're paid off and the apps are deleted. You can never, never, never, never, never, never do that again. Why did you do that in the first place? I was short for rent. You know why you're short for rent? Because you spent $1,000 at Amazon. Dave. Monopoly Go, not again.

- No, it's been months. - Okay, so I downloaded one of those play games and win money apps. Not win money, but like, you know, you get so far in the game and you earn money. I realized it was dumb afterwards, after a while of playing because the goals they wanted you to hit were very unrealistic. But at the time they said they were gonna like, there was a prize, like spend $3 in the app, get $3. And so that's why I did it. 'Cause I don't like the game.

I don't even like the game. Come on! I was duped. Instacash repayment. Dave Inc. Going inside getting some... You going inside and get some bull... You stop for drinks and snacks? What are you doing? Is it Racetrack?

There was that, but then there was more on that other card we looked at as well. You were like, you went on Amazon and got something for like two and a half dollars. Amazon? No, no, no. Walmart, sorry. You're just stopping in and you're just swiping for a quick sweet treat. Oh, that was probably... I might have been picking up a prescription and then I got a drink. That's probably it. Come on, dude. Uber. You have a f***ing kid. Yeah. That's very important. Paying for, paying for, paying for, paying for. Oh, I've done that a lot too. Uber, Uber. F***.

the paying for stop you're just making it harder for yourself because you're just making those minimum payments a stack chocolate secrets oh i was i was stressed out it's a chocolate dessert place great i'd be stressed out if i had no money too probably can't get sweet treats when we don't have money 205 dollars in this uh nothing really happened yeah robin hood our chance of the future

$47. That's our retirement? That was... Is that our retirement? No. You have a 401k? There is one at my job. I have recently talked to HR about it because I'm confused about how to do it.

They do it through Fidelity. Okay. Cool. That's actually perfect with Fidelity, actually, because literally, because again, just like you're on here, take the investing class. Go through it. We literally actually tell you how to set up accounts and how to actually manage that. We teach you everything about that. So go through both classes. Plus, you get a free $100 in cash rewards from Moo Moo as well. So there's... Yeah, go through that, please, because...

I don't think that's what we're going to talk about right now. Yeah. Long way to go. I want to see if you have room here. I'm a little nervous. The dude, I think the dude might need to step up. I mean, I'm already planning on finding a weekend. I think he should have been here. I think he's kind of a... He didn't want to be on camera. I know. I think he's kind of a... Because this is like the chance that I think you guys have to actually make your...

financially secure. And I get not being on camera. That's fine. He could have been off camera. We could have talked a lot. I told him he didn't want to be here. There it is. I don't think the dude's willing to step up and take responsibility in anything. I really don't. No, I don't really know him. I can't fully judge him. But just from everything so far, and, I mean, dude couldn't even last 30 seconds on a phone call. It's like, I think he needs to man up and actually contribute to the household. $2,500 comes in. Debt minimum monthly payment. $1 million. Close. Close.

$1,091.45. That's without any of the other minimum payments that could be negotiated for medical. What's your rent? $10.20. And then utilities usually take it to like $12.50. Oh, take the total to $12.50? Yeah, yeah, the total. Is that including internet? No, internet's $50. $55. So the loser can sit at home and play in his video game told them? Yeah, actually, yeah. League of Legends. I know. I'm on.

i've met people like that what's your phone bill 191 dollars why because we're paying off the phones okay when you're done with that switch to helium i tell it to everyone you probably already know that 20 bucks but i can't i can't do that yet because you had to pay off your phone yep okay vroom vroom gas uh i sometimes pay people for gas um that drive me or oh that's right okay how much do you spend on average for like transportation with dart and uber

Dart is just $100 a month for me, maybe like $20 to $30 for my husband if he has to do something like go to a doctor's appointment with my daughter. Is that how to get him outside? Yeah. And Uber can be like $100 as well. Honestly, though, I can cut back on Uber and ride the bus more. That's definitely something I should be doing. Sure. Yeah.

130 bucks. Okay. TP fund, anything else to survive for you and your kid and dude? 150. 200, because I know the newborn shit is expensive. Yeah, she still needs diapers and all that kind of everything. Groceries. I think you could do seven. Seven? 100. Yeah. I think you could actually be better. But we're going to put that there. Cut it back as much as you can. Yeah, we go to food banks. In a healthy way. No subscriptions. Medical. Copays.

Anything? There's $40 for my daughter's doctor's appointment. And she has to go how often? Right now, it's every three months. So she has one coming up next month. Then we're not going to put that in the monthly. Okay. Okay. Then no monthly co-pays. It's just if I miss therapy, then there's that big fine. Well, don't. Yeah. Be an adult. Anything else I need to put in your budget that I have not put it in?

I mean, your debt minimum payments and your rent almost maxes out. Probably giving gas for getting you places. Probably just 50 for catching a ride. I mean, I can already tell we're under. Yeah, that's why I've been scared. Yeah, but that just ends you in a worse situation. So now is the time to confront. And... That feels a bit high, but maybe I'm just...

Sticker shocked. No, actually that was right, but I just lost the number. Answer me this truthfully. Outside of the lack of, you know, I'm sure there's like a lack of intimacy. I'm sure there's a lack of just everything in the marriage. Lack of him respecting and communication, all this stuff. Lack of all that. How is he as a father? Besides not contributing to the house, but as like just the actual relationship, how is he as a father?

he loves his daughter he takes um good care of her he does scare me sometimes though like he can be a little reckless like he likes playing with her like oh okay yeah and so i get nervous because he'll like be nervous you know like throw her not like high but you know like put her in the air and stuff and i'm like is he a good father or is he bad or he's good he's good well you're underwater on a

that's not as bad as i thought it was gonna be oh that's because i lied a thousand one hundred bucks oh that makes i forgot the first part that's terrible yes um that's because i just immediately started thinking of solutions yeah uh it's he gets a if he's not willing to work and he's just gonna be a little nerd sitting at home jacking off all day professional gooner then i need you to get a better job or work more hours which really sucks or do your parents work full-time

Yeah. Well, my mom doesn't, but her house is not good for babies. Why?

It has stuff everywhere. Like it's filled to the brim. Is she willing to do something that's not hoarding? No. Oh, yeah. It's an actual thing. Yeah. I could ask her if she could babysit at my sister's house because she's done that before. So I will ask about that. Yeah, ask about that. Because if you can figure out the child care situation, because yes, it's expensive. But if he also goes and works his ass off, I think that you'll still come out positive.

But either way, he needs to work or and communicate and actually contribute and try to build something. You need to talk to an actual family because I'm not going to say go get divorced because I don't know. It's like, I mean, you guys do your thing, but also talk to like a marriage therapist and they say get divorced, maybe get divorced. I don't know. I don't know. I don't know because you might have to live somewhere cheaper, but it's the finances. It gets even harder as a single mom, but you're basically a single mom right now if we're being honest.

I mean, not monetarily. Because he's taking care of Chuck. Yeah. Yes, that's it. But there's also tax credits. And daycares can be like $300 a week, man. I know, I know, I know. But he could still... Again, if it's $300 a week and he goes and makes $2,500 a month, it's like you guys actually closed the gap and you can at least...

make slow progress on your debts right now it's an income situation so he actually needs the man up or something major needs to happen or unfortunately and it sucks that it falls on your plate but you might have to work just a million billion quadrillion hours which i hate and i that's not that's not the route that i think we should go i think he should actually contribute to the household now don't get me wrong you need to stop spending

You need to be fiscally responsible and budget. So this isn't an all him situation. It's you as well with the spending and the budget and the recklessness and building up debts and consolidating and then building them up. Bad. Stop. Okay. It's not an option anymore. We're not just buying 50,000 notebooks on Amazon. We're not doing overly priced photo shoots because you got a deal that you won a discount. We're not doing that stuff. We're not spending this kind of money anymore. We're having free fun the most we can.

And then, yes, he needs to step up or we need to just find a way to bring in more money. Income solution isn't always the solution that's coming into these issues. But for you, it's going to be a minimum requirement because we haven't even touched the medical bills. We haven't done anything. And some of those are going to start negatively affecting your credit. So, unfortunately, right now, I realize a lot on the conversations you're going to have. Behavior, yes, on your end. But for the income thing, there's some tough conversations to have.

Tell me what you think about that and how that's going to go, though, because I have no faith in him from everything you've said. So what are we doing from your perspective? Because I feel like I've almost just put you in an impossible situation. I'm definitely going to look for like weekend jobs, most jobs. So you're going to work more. So I'm planning on finding a weekend job.

Hopefully something that has like longer shifts, at least like, you know, eight hours just on, you know, Saturday and Sunday.

That's really, I can, I have looked at jobs in the area. In my field, I'm actually making like on the higher end in Dallas just for having a bachelor's degree in biochemistry. If you go out to like Coppell and stuff, then there's higher pay. How far is that? But that's very far. Like, especially because I don't have a car. Like, I can't drive out. Maybe just take a driver's class, though. Driving's really not hard. But that costs money. Yeah.

It does, but again, if you're going to be making tens of thousands more? Thousands more? Thousands more, yeah. Okay, thousands more. I think 500 bucks or something could be worth it. Okay. It's an investment, right? So I'd have to budget that out. It's like school's an investment, right? Yeah, I mean, I have 300 saved now. The 200 in EECU and then the 100 in Rocket Money. Sorry you have to do this all on your own. Sounds like... Thank you. That sucks.

I hope you make the right decisions for you and your future. Keep us updated. And if there's any resources we can connect you to, let us know. Get some of the behavior under control as well, just on your end and try to have some tough conversations. It's definitely a coping skills thing. I mean, I know you guys are relatively close as a family because we're having an entire family reunion out there. So like, let's, I think they can watch the kids sometimes, you know, because I'm just sometimes, which could help.

So my husband doesn't like when they watch her. I really don't give a shit. And that's that. Cause I don't like them. So spending and budget. Oh, let's see. Make sure to stick around for the post. I'm sure there's some kind of bit, but I'm sure I'll emotionally abuse Noah in some way as usual. And then he will physically abuse me in some way as usual. Yes. Okay. So total income five, uh, 2,556, uh,

Oh my gosh. Yeah, but there's an ATM cash deposit of $440. Where did that come from? Oh, I occasionally get bonuses, but they're unpredictable. Okay, so fine. $3,000 this last month. How much do you think was spent total? This last month? Yep. Most recent statements. $2,050. $4,016. Really? You thought it was less? No, absolutely not. So zero out of 10 spending in a budget, you overspent by minimum $1,000. Debt?

We have collections, 0 out of 10. Emergency fund, you've saved up now a second. So 1 out of 10. Retirement? 0. You haven't started, so 0 out of 10 because you're confused, which is fine. But real estate, 0. That's going to be a hammer financial score.

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