The Impossible Financial Audit
01:43:20 Share

To watch epa financial order a week earlier, check out .

on youtube 观察。

Seven little. Like an actual are winning little time. Aby, what of your kids? You're going to them up. No, you're onna room in them.

Hi money is coal in twenty nine years old from dallas, texas. And this is financial .

audit coal. Coco, the amount of spending that is on the spread sheeting for me, I went through your documents. I sign your documents.

Ice lin, some things is awesome lines, but I never make this fruit. Our lovely producer, check me this fragile. And the absolute spending great that you are apparently capable of is. One of the most ridiculous things i've ever seen in my life, my guy.

it's impressive.

But what do you do in dance for a living parameter? Okay, so the hi is paying job is a what you what how much do you make in? Also, I have a technically .

of two different rates. I have a day rate and a twenty four hours, but my primary rate is twenty fifty hour.

Okay, what would you say you bring in on a monthly basis?

Take home around fifty five hundred .

and ever actually us up bad way. How many years with you work between seven.

two and a six? Oh, good. yeah.

We have to even have time to spend all the money that were about to get through.

right? I don't know IT IT just comes in and goes out as as I made IT.

I guess. So thirty five hundred, okay, take on take on for sure. Um and that's not necessarily Better at all by any means.

What's the life situation? You twenty five, there anyone else? Not twenty, twenty nine. Sorry, is there anyone else in the life now?

And depends on a wife and three kids.

Oh, what are the kids ages? okay.

My stepdaughter is eleven, and then my two boys we have together are six .

and a lot to support where I can get expensive, especially in douse of the sixty five. So what is going on here? Md, because again, the spending is radius.

What is going on? What are we looking at today? What is coal?

Coal is is a big spender because I don't like to tell my wife, my kids know. And so they're like, if we want this, we want that, like my school.

I get IT.

What happens if you say, no, they give up set. I want to deal the crying from in child.

the wife cries screen.

oh, no, no, no. My wife, my wife is like, if we can afford to.

just for kids seven, six and three, the eleven year old, two.

eleven year yeah, he is well, she's eleven so he has an active looks .

like you're going to see something that .

answer is I D but it's one of those things like I feel like I want to provide as much as I can form my family and you are yeah and so in my the way my brain works is like if my wife is, are you sure we're going afford IT on my yeah sure .

I work a couple and okay well that's a new then if you say.

well yeah well, well no. What I don't .

but you do .

say is not really I like.

but you do say, yes, we can now, but that's incorrect.

But when you tell them .

the house that's gonna an easier conversation and saying, no, we can get make IT these oh no.

because I just work more free OK.

i'm sorry. No, not, let's be honest, as be very real, your kind of pushing yourself to the human extreme in terms of the kind of physical work you're doing, terms of hours a week, i'll just work more, is starting to become not an option for you unlike many that gets on the show.

right?

Yeah, so no, that's an incorrect answer.

Yeah, I spent well outside of what I make or we make.

Yeah, but what you just said was incorrect. I will just work more. No, you can almost basically, I know if .

that is getting dangerous .

and your responsible for other people's es in the situation, if we start pushing you to one hundred and I come on, that's scary.

I mean, yeah, but i've also started like .

a couple of arts. So I hours that exists in a week already like this is our getting scary. They have side businesses.

what you have yeah so just to back like a little bit, so like my my hours, they are easier because the twenty four our shifts, so I give you break down the numbers like last .

week work me to yeah yeah yes.

yes so you get more days left this week. I work, i'll work.

You can still push your body to max though you know even still like imagine five days of that and row they have the days offer a reason .

yeah why you that's for .

over time but you say I can work more and might start getting bad for you, bad for your family and .

bad for the people you .

taking care of.

I started my own car telling business you .

look like you would. okay. Yeah, right.

It's fun. Like like the O C D M. Like really enjoys IT like you taken like a dirty .

I love those tips. Yeah I vision .

I do have time for that.

So I mean.

I guess I do for what's .

come in with that this how you have been doing IT .

since july. And I can in totality, i've done like six or seven cars.

okay. So it's pretty.

pretty man. Yeah because it's just right now it's like free advertising, like facebook next door texting friends I call me if I um so this is .

hardly a side business, even someone seems like a family friends yeah.

But i'm trying to the goal was to grow IT. So how would you grow .

IT work in eighty hours a week, trying to make sure people don't down with the hospital to .

fit in in somewhere?

There's there's small. No, real, real is the answer.

Can I think I this is a dream.

give me real. I could comfortable .

ly do a one car week if, like, my schedule was full.

Would you have to line with the people who want to get the car clean schedule as well?

right? Yeah, but working only two to three days week, I got those four days solution one in somewhere which I hope .

they're OK with those four that's true.

Using a lot of people that call me, i've only had one guy call me say, hey, I needed done today.

Would you charge for full.

full service?

IT depends on the size of A S, U, V.

three, four or two.

two full .

details to fifty.

Okay, how many hours I take you .

roughly to tune k unless like what .

do you done? Seven since july OK in the other side hole um I just .

partner up with the body in mind that works in part um doing roof sales. And .

okay.

what the is very all over the place is necessarily .

a IT almost feels like your spending looks like that work about to get into your spending looks like you think you're making a lot of money on those other jobs as well coming in. I get pretending like you ve already made IT in those jobs as soon most of that space on commission, right? Roof sales, whatever extension OK, how's that band for how long? How are you doing .

today there for a week? OK.

And so why why not pull more effort to that are the thing anyway. So if you good, you like IT the detail, I I haven't been .

put into a fire to be able to like I really would like to be you're taking time .

away when you're going to trying to do this extra third side also.

right? But that's really only busy on extern season and six formats .

at the year of what you won't be doing .

to telling but losing clients.

less focus on advertising, less focus on community building, keeping people and are people that some people, if you get the right person that want to get their car detail and if they want like a monthly appointment, well, well happens when storm is in, comes around. Well, you got out a few months.

I would agree. You got to prioritize your repeats over bring new people, in my opinion.

yes, but you won't be able to repeat when you're focused on the sort of I just feels very destroying to things that aren't even in in similar industries. Just why not focus on one that you know you enjoy and has show at least seven successful actions behind closed sales?

Because I think I see the numbers behind roof sales.

the potential liver come on. It's a potential number. I don't want to structure this organization of organization because .

let's to say.

I don't think you're in any kind multi level. I don't think IT likely in roof cells. I've never heard that could exist.

I'm sure to exist every industry, but even still come on like let's look at a multilevel for a second then I will show look what our earners make, look what our top sales people make yeah it's good if you're able to full focus on and making an amazing thing. You're not able to you work any hours. So we doing the same thing, you want to work more hours.

You say you work more hours will also trying to do this car detAiling thing in order to get the numbers that you're likely trying to get. You're gonna go door to door every single second, every single data to get up like a solar salesmen. So I don't know how you're gonna reach those numbers. You want to do with the side side of a side hustle.

Well, that's why it's the side side hole.

But I should be I don't think you're going to be able to build the relationships for an actual true sales position. That man, you got that to the ground. You grind the customer to the ground.

You grind every single second of every single day. There is not a moment your phone is off. Your phone is off eight hours a week.

Not really, really my post.

So if some do is I can out real yeah like there's a going on.

Is that job actually makes .

sense? Something more sales sales like I don't know that's like you're locked in always for the customer yeah, if you really want to do IT and now they give the time at the time, you know yes, I do.

I only worked three days a week.

I get that. But again, the time you have to dedicate to something like that is always, and there are days when you are off for twenty four hours, and then there's times for detAiling cars and try to make, how is this not making sense, guy?

Because I have enough time.

Oh my. Do you not understand the point? I'm trying to say .

I do you say i'm well.

then why do you come back with the car, put those other days that you .

can't existing .

right in the sales world? That's 嗯 OK well， is clearly you in that position where you saw a number, you saw the potential learnings, you're more excited about that you live in the world of delusion inside of the real world. For that situation, you have only done up for a week.

So i'm not surprised that a body will see. So payroll that came in five thousand, seven hundred zelin and four hundred to which you stream occasionally. This is something I talks like pretty .

streamers in a role. So I had one big month.

What do you extream you apparently have? Do you ever see if kids yeah went IT? What when .

you pass some, not leave in the door and going.

even have the sexual time, how how much time you put into witch? I was only thrilling to sixteen dollars still. People for dozens, dozens hours into touching a zero out.

I have been over a months that's from one month where I got like a hundred.

Well, either way, what's the world in a four hundred? That's a car. Okay, so six thousand, five hundred came in to you probably not setting money aside for twitch, even there is not much, or setting money aside for taxes for the cars either.

right? Because he hasn't turned a profit yet.

Yeah, but you still okay. Are you going to be able to .

adequately claim everything? I think, yeah, i've got everything seemed .

to twitches and made .

a profit.

That's the profit ever. Oh, okay. yeah. So well, six thousand five hundred came in and that's more than Normal. How much now how much .

you spent probably a penny y of that one out.

one penny shy in which way, like I thought.

whatever what you say.

six thousand and five thousand, two cents yeah.

I probably spent six thousand four hundred OK .

one thousand five hundred. I don't think you understand your life again. I think you think you're already successful. And all these other things that you can spend like you are, you're not the spending and saying, guy, it's almost double, almost double.

It's bad.

It's bad. What about your kids? What are your kids are there?

They're there, but they're not .

going to have a good they're going to have any kind of cause they're gna have you're not going to retire. So they're there. But I don't know their future is kind of getting put on hold get and you're like this.

I just hope this is because you're excited to beyond show. I hope this maybe a cope thing, but just sitting there just kind of sort in time. O, K, good.

I always had to call IT out because I know IT doesn't feel like IT is from the audience. For that there are always like a large, great. We'll someone out for the life. I get IT when I just see this person sitting across me the whole time.

and they like this, look, yeah, it's a copy.

I am just like, what of is the first thing I taking a serious c because put so much energy and time and the emotions expending by always on is that. And i'm .

really good about getting rid of all my dead and then replacing IT right back.

What is that in?

So i've knocked out my dead completely twice over the course, six years.

Anyone currently struggling with that? You're not alone. I've been there and i've especially seen friends and family go into debt over the holidays, many of lights, gifts and even vacations.

Once you in that cycle, it's tough to break out. You've been making payments every month, or somehow that bounds barely shrinks. That's what the sponsor and my friends over A P, D, S. Deck comes in. They create a personalise plan that helps you pay down your dead faster and save more while you're edit.

If you already making payments each month, barely seeing progress, P, D, S, that has solutions to help you pay off your that in a fraction of the time IT would Normally take. And here's the best far. If you, I have ten thousand hours or more and eligible debt, you qualify and there is no minimum credit are required.

So no matter where your credit is, that pdsa can help start planning today. Get a free dead analysis right now at P D S that that come slash Caleb only takes thirty seconds as P D S D E, B T that slash up free. This is just a few clicks away. So had A P D S that that come flash live today is never too early to take control .

of your financial future.

What about how few years .

ago I did a dead console, lida one.

so I gone all out but like I empty .

out all my created cards and had alone but then I recruit all my credit cards .

while still in every yeah .

and then in march um we bought .

in this year.

yes, we bought in solar house. So okay.

you don't buy and tell within one .

month I bought I sorry, I sold my house to buy my current home OK sorry yes. So we had bought a home and twenty twenty back when rates and markets were low. So I bought a house two forty um in the one we sold IT in march. I only owed two ten is older .

for three fifty love .

IT yeah was great and then turned around and boat this home sticker Price was four ten, was able to do twenty percent down, and then paid off like half of our debt.

Do you not understand the mistake you made both times? Because that won't matter if we pay this off. You not understand IT is what everyone struck us with, because I fit so many people that have paid off debts on the show and repeat the cycle. You not understand.

I understand. What if you don't .

change the behavior before you get out that you took two shortcuts? One was from position, evacuate from an investment that you gained. That is good, good job.

That one. The other is a consolidation, that is count a reward. That progress is not an accomplishment. But either way, you if you don't actually fix the behavior and the emotions around finances and anything that actually got you there in the first place, if you go and take those shortcuts, one earn, one not IT doesn't matter, is the way the decades back, you've never got out of debt by earning and grind in IT out.

You hadn't investment that paid off again are not against that as a whole, but you never change your behavior. Got out of debt by actually fixing your finances. So if we if we get another shortcut that gets us there, get and pay that off a third time in six years and what matters, you get there again.

yeah. And then the top off with the house, with the house I have. So the house we bought in twenty and twenty was uh black is the dr. Harden and spec home .

like actually don't know.

So dr.

Harden is the builder one back.

you just pick your lot and the four plan and they build whatever like you don't get to pick and no color.

like a cheap .

builder OK very cheap. yeah. And so we vote from win. We sold that home that we never buy another dear home and home again.

Why I was bad is just pace.

poor quality. The ability didn't give a so from frame to move in was like ninety days which ww it's like that .

yeah so then we had so many like .

foundational problems and just all kinds of problems with the house .

of foundation. You can repair and get a warranty around them .

but even still go yeah and but they're like arguing with the and to fix anything. You'd have Better look arguing with this wall.

Most of homes have a year to volunteer something.

And so we saw that home and they were like, we're never going to idea or home again for r.

something tells me you bought A D R. Heart home push. Well, you keep setting that up.

So this house that we bought was built no nine back. You know, people, actually, what I thought gave building houses. Well, my wife changed.

Okay, my wife going through like, I guess, like the tax records of the old home, found that he was also built by dr. horton. ohh. And so with that, we have now discovered that they build this house incorrectly.

What's incorrectly? How do you build an house? Increate.

I mean, I wish I knew.

but it's been wrong for almost a couple decades. So like what is incorrectly .

is the sighting of one of the sighting ships of my house has fAllen off because the wood in between the sighting and the frame of the house has rotted away from water damage because they didn't put correct flashing in talking in around two. So now I have to that fixed and that's .

once going expenses right now.

Yeah so I have to have I had a uh the guy who works for the roofing company come out and inspect that one spot and he's like, I can fix this now but i'm more afraid of like .

what else is yes.

And so he's going to come.

How detail is your home inspection? I know they don't necessarily always get in the walls, but you didn't really guess them.

The x year of the .

home look fine. Y, I pay a lot for my inspections, but well, I box.

No, IT was our relations inspector and usually they are okay.

But that's like general yeah. But like if you look at the outside .

of peeling apart the boards, which I don't think the norm inspector would do, you seen anyways, I was intact and in good shape when we bought IT. And then, just ironically enough, after we bought IT fell part of. And so my inspector gonna come back next week to look at like the right is going to pull apart some the sighting and look to see the real extent of the damage, to see if I have ever had interesting crime.

Okay, but I hopes on that. Have you going to quote of what this is onna cost? He's working on, again, double what you makes. You know how you're onna spend more?

yeah. So he's working on the core for just a quick fix, which that IT should only be, I say, only but this is a quick fix smart, I don't think so.

I just depends on looking IT just .

depends on the extent of the rest of the house.

So you spend double what you make most of the i'm credit.

Where do you .

think honestly, honest self assessment, honestly, where your brain is think you are there to times you're been the worst finance and be the best finances where you think you are like .

a one point five.

Okay, thank you. If you want to him for financial score, it's free. Inking description below, see where you stand.

And if you want to come down your Austin, texas coming out, it's fun, but then you will also become friends with a really nice producers and then have an awesome taxi at a big good time. You have fun so far. Yeah, I appreciate you coming down. So it's time that comes to supply .

check IT out is an easy drive.

all you can find out, sir. yes. yeah. I mean, people come from like anywhere, but yeah, I know .

where else managed other than text .

OK chase an amazon card or is this amazon addicted household?

It's a shared account.

So like that .

yeah yeah thank you question. Yeah so me my wife used the amazon car and in my parents used the .

amazon account parent the the .

aon account OK. Um but there there also .

maybe sometimes .

one of my purchases gets on one of their purchases gets on my card, but it's really not big deal .

mean a big deal. Okay, you spend double you make. Now we have a home repair that we probit can for the insurance that covers. So I think that kind of does matter if all people are using our money .

that we don't have.

What if okay. Well, that sounds to you then. I mean, I don't know why they can use their own. Can just to be safe.

I mean, their cards on the account cards at the day is on the just feels .

like extra confusion and I think .

and fathered in with the super cheap amazon prime oh, Price because I got i've had prime for since prime.

Mais a thing I get, I get IT. Okay, three thousand seven hundred, twenty one thousand, three twenty one s on here, ninety seven hours of the pain. Not cheap, not cheap. See again, here is this, must be this, a thousands, three hundred fifty five dollars on a card. When you have kids to take care of that, if you know what's the point of of college, you not their plan.

They went to know, do you want to pay for their college? You want them to have a fund? Do you want anything to done? Is going to what you want for future because again, you only put the minimum of payment torrid at at which at the time was seventy eight dollars, I think and then one thousand three hundred fifty five dollars spent on a car that is a cruel in sixty thousand and seventy cents in interest interest.

And I even come to close the pain and off. no. And even coming close to be an objective here with your behavior.

So what are your plans for expense? Do you what do you want for them? Because right now, you're not getting them anywhere except good luck once you push .

out the house yeah with the old she's infatuated with animals.

So for now .

she's yeah so I mean.

i'm asking what plans do you have to set them up if you choose to in anyway?

There is one because we just can't afford to make a plane.

but that's you that's your choice.

yeah. I mean.

like what I mean, you can afford, you can I .

know it's there somewhere i'm sure.

No, no, no, you can afford IT. You are choosing not to what's .

your mortgage payment?

Thirty to fifty? 哦 yeah .

of why why .

do you guys saw the son get this， that everything so this is the .

definition .

of house poor. Maybe you don't have the money off. So you said thirty four, thirty two, fifty, thirty two, fifty four sake.

Wow, it's sixty percent. That's not a joke, man. That's a literal dangerous. That is gary, and you don't need to be doing that. And dallas, that kind of percent .

is six and quarter hh. My mortgage, my interest six and quarter.

okay was Better .

than what?

Okay, sure, sixty percent of your income. I don't. Interest rates, sixty person of income, six person regards to. And A A, I would be horrible. But this way, at sixty percent of your income, man, that is dangerous. That is, I was kind of joke in to begin I say you I thousand move now IT becomes a real, now becomes real. Man.

get hurt. You're done in yeah and you're always .

going and doing something and you're gna try to be a professional guide every next month or something with how you do things. You're on to the next thing every second of every life everything has to be a yeah man so I don't know that you see so sake, you're right. You probably can't afford to set them up because if our needs to already a sixty percent without anything other than the roof were ahead. Gosh.

everything with my last house to this house is double.

Why do you get selling? move?

We didn't. We were out. We had outgrown our home.

You behind on your O A. 这个。 So what you saying that .

only because what are you saying OK? So to go back to the house, yes. So everything in the house double because we we bought and we own four to eighteen years, great for IT. And then we had our third kids, and then we were, max passed in the house, and there was just no room for.

like all of us, the kids in other. There was a room, never everything you want to come on. People did eight kids, and like, seven hundred square feet, like hundred years ago there was room, you know.

And so we sold in boat, and in this house is the everyone.

That was the only reason .

that was IT more space.

You didn't need the word literal need. You did not need you wanted IT .

was a IT was a need for one.

I'm sure there were some annoying, but people done IT since forever you would have been OK. This is the like, classic american, entitled with space, which great if you can afford IT if you can. You did not need IT to be very clear. And now you've put you what was your morning .

treatment done in eighteen fifty? At three person.

You want from a relatively part for thirty percent of your income, relatively depending down some work to sixty. I don't think you understand. How about this is just looking at you .

don't know idea? okay. yeah.

Trust me.

Remind previous .

single person that comes on the show is not used to begin front of the camera.

So I get IT. It's one of those like it's always every day I think about IT are you .

do what's your your footage now?

Thirty one hundred. Oh.

you did really go up OK everything double both the Price of the house you .

got now for ten, twenty person down.

How suburban? How far from core?

Five minutes?

I'm still wo you're break up into downtown.

I'm really in the city .

because because of Austin. I can't imagine anything being closed down less I have. That's crazy.

That's crazy talk. Not even a lot of land here goes like lesson a million five medicine downs. That's crazy.

Okay, wow. Good for U S. On that part but is very .

intercity. Everything, anything and everything we would need is a ten minute drive.

No, that's great. Um and your house is a five minute existence from being taken from you, literally, if anything goes wrong. But back to the h way, you have savings right anymore.

You don't know, you don't the position you put your kids in some joke, i'm around. There is nothing here, no entertainment factor required in this thing. You don't know the dangerous position you put your family in.

This is scarier than you could possibly imagine. That is irresponsible, irresponsible, scary. Death ruin your family, putting your kids to trauma because they don't know. I grew up the scene for cost or notices a couple times on the house. Okay, likely they're able to beat through IT that stick with me, stuck with me. And one of the reasons why I care about being good with finances say, but take that the wrong way, or make IT get worse if they take the wrong way, or you have IT worse than my parents did and you don't make IT because you have already pushed yourself to like basically the human limit, to be honest. You're going to them up.

Yes.

you're going to ruin them. Then they're going to go from that to a four, five, six, seven hundred square for the apartment. And then if you think you didn't have enough space, then you will.

And that's all because of your consequences because you thought you needed something that you've actually put yourself into a position. Now you don't have savings and you're behind on your h way. Yeah, tell me about the H O way.

This is huge for financial lot IT. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space. Online, we have a budgeting program where I teach you how to create, manage and revolutionize your budget and control your money.

And then there is the investing program where I teach you to define what investing profile to you and your life, and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program, where I teach you the best ways to pay off that, managed that and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now.

And just like over ten thousand people who taken our educational programs, you can now take address of all three of them bundled together at a fifteen percent discount type red from thousands of people now who've taken these classes, and they've literally change their lives for the Better. And finally, you can, to have a more affordable Price, had the care of hammer dot com, or click the link in the description below, you will not regret this. This is raising .

they changed billing companies and didn't our phone number or email. And so we never .

were told that they they ever .

is a letter .

h always means are obsessed ing.

Okay, so I went I went out to the office yesterday um and told .

them because I knew that what are you behind um what are you behind .

to .

do is five very long that is the annual court.

What do you most say say my any so it's one hundred year.

You know, I have that.

No.

you're ready for all ne. No people can lose their houses for H. O S. You gna lose your house in two ways, more gain. H, O, A, that's really taking care for family guy.

or stretched beyond. Then.

no, you're spending like a moron.

Yeah, I mean, my my spin has been really drastically at a time lately.

why? When things are worse than ever? T I .

wish that's not .

an answer. Come on. Why did you think I want to see self self report here?

I want to sell some uh, system self realization. Why do you you think so? I can at least see where your .

mindset is today. I think it's really lately is a lot, a lot of the stuff we spend money on his food, like going out. Going out is killer for us.

You you, I thought, be a lot more honestly.

trust me.

there is other category, there are other category. But seven hundred, six eight, first of all that they compared to your k income common, seven， six, eight, five, five, five hundred, and you spent fourteen percent of that already insane, all right. If max on our needs out of fifty percent ready at sixty percent per spo and percent gone out, come on, that could have paid for your packages away. And i'm not willing to do IT and you're willing to .

get a lean or not willing to get a an.

but you are you literally are through your numbers because you spend the money on fast food or eating out or whatever that could have gone to that. So yes, you are you are willing to get a lean mean. You are your customers say so.

And I actually do have raged widness. I know you've done anything that pissed me off, but I always wind because your children are gonna be impacted more than you know. And that pisses me off because they have no saying this right interest on these cards, securities said.

The numbers not see, are you kidding? Every line is highlight. Every damn line is hide.

I means this all both things that don't matter. And no, this wasn't going out the it's wasn't amazon because it's the amazon card. Let me see amazon and can go pull IT up and also some board room. But these statements are to read blizz sonic, amazon golden chicken, amazon joy donuts, something video games can do you the .

amazon account or the card, I want to see the azure account.

I want to see the things that will actually being purchased. And can you start a screen recording for us?

Can record screen to the security policy.

peace.

A lot, a lot of the purchases on here from my parents. So because .

this is the same account and I am, so you tell me as I call them, okay? And I even know what any other stuff is. They all look like both little little things that you get from late night television and ads.

Thing at the top and in the following .

one of where I was.

yeah so the thing at the top and and the following those for me so the top one is for my rifle and the one below IT is for a life.

You're right, you can't afford your mortgage. You are not going to shoot the bankers when they come. You're right now.

yeah. So I don't think we need to be dealing with that. You can't afford you more or just your hobby really more important than your kid's life.

No, be a man. It's like, what or something? I'm hoping that's not for grandma.

That's my parents. What are all these sudden? There's like all these dog toys. Why there's like gorilla things. And just.

yeah so h go do, do, does.

Why we need one, two, three, four, five, we can to for our mortgage. In fact, there is two pack, three packs. This is like ten toys, ten toys.

But the dogs aren't na have a house to live and they they got us. But guys, they have toys. They have toys when they live in corner in the middle of nowhere because they get kicked out of their house.

They do on around the house of .

my wife bought in two or three.

Because SHE asked me, he said, I put all his dogs with hard and said, which ones do you want and said.

I don't get bio. And so SHE bought all though classic White mom, the wine glasses with i'm fabulous ran on, mom.

come on like a chemical mine, the bike my parents bought from a son. A lot, a lot of that is my parents, which is find.

But I saw your amazon purchases. We had over a thousand dollars in IT. 我 这边 说 did you really need the camel lage J B L clip three waterproof speaker who would buy that？ Is grammar camo ge speakers, a river guy? What is your sister on here too? What is this is like pure amazon instance.

It's it's the family.

amazon on account family but it's confusing, doesn't like you don't know what purchases are. You got confused. Rest, watch things and music .

and and .

I the the sad thing is off. Sometimes music programs and SHE continues to advance. Sometimes there's a little like, hey, money needs to money for these extra. You're going to send them to state, you're going to send them to locals, you're going to do a lot of different things that cost money to participate and they're gonna horrible. Hopefully maybe I am not the practice and we'll see well, i'm going to be able to four descent then the way .

you're doing that well right now with her school program, um SHE gets reduced fees.

There's still no there's .

still there, but not so like her instrument usage is like a hundred box, but we use that. We only had to pay .

for you rented.

had to not spend in three dollars.

Of course, what's IT really depends on the schools. Some schools they have an its .

were in a sound like popular school districts. So they have instruments to let us rent .

the school ransom.

We read different from the .

school like you get to you yeah. But this one time .

fee not like a monthly fear anything okay.

now we have a plan of card.

That card, by the way.

you're spending on what what do you mean?

There's I two axes. One of them should be dormant. One of them should have .

something on IT um all this planet okay one thousand and one hundred forty two with a forty thousand minim payment.

That one has a baLance but I don't use new pay.

overtime charges, interest and new charges. Feel your line. I don't know what the you're talking about. There's new charges .

on both things.

Go this is your most recent statement unless someone else in the house is used because everyone shares everything, getting gram up what is on everything. So it's just like.

I see my 我是 在 说， oh, wow, I .

thought so.

I I youtube TV would and .

I thought I was on a different card.

but I keep when football season is over youtube.

bad news is foobar season and bad news is for closer season.

Not yet, still got six more weeks .

audio books that .

comes the car and they disposed to .

take IT off because I the .

problem I know.

but it's not there.

okay.

So more more charges. Yes, there's your little red zone, but body you're having twenty six dollars ventures occurred in there, then twenty and then okay, twenty six, seventy three of interest growing. So it's interesting on two cards and are still putting money on a card that we can pay off.

That is Green interest. Oh sorry, total interest. In this car case you get another twenty nine yeah sorry.

okay. Fees this year so far, seven hundred and seventy five and must be okay. The three hundred forty five dollar interests this year so far on this car alone. This I just don't know why you're accepting this. You're not a credit or person, use the face card, debit card that accuses, still builds credit, but at least you can spend more than s in your bank account, don't want you such yourself after that self.

It's fun.

Watch my really good at .

that 看 best buy that's .

my wife's laptop in .

microsoft office stuff。 So .

it's does interest being well, how do you not look? You not look, you guys not look at statements. What is you and your wife's relationship with money in the household and understanding where things go? Do we not at least understand where things go? You guys sit down and look at statements, look at the household budget.

look at where money is happening. I don't look at statements at the bill because .

I was told I was percent probably wasn't certain that old.

It's supposed .

be there for a year, have been six months.

I don't know. fair.

Come on, come on.

I did miss one payment because I think that's one of the one of the few cars do.

So now we back behind the intro in house no bounds car, by the way, so far I .

call payment.

but you're missing here. So I don't care .

because it's one of those wear card that do like the first second day of the month, which is od.

B the right.

so you you're not responsible, you not your twenty nine old baby, come on.

But I don't like auto pay because I like to physically pay my bill.

Great, but I have auto pay set up. Just a case you forget to doesn't pay.

still take IT out if you pay IT .

I like if you pay the bill.

but like say you they set IT .

up on a certain weight. Your statement bounds pay off you have, which is automatic pay for the minimum payment do if you have an on the minimum monthly do when you only make a payment that discovered in the minimum of payment, do you likely want have to cover that if you have a statement bounds do is probably IT will probably take the full statement bounds. There's a lot of different ways you can set up up.

Some things are car dependent. Just take a look at that and set up paying thirty doors. Why pay thirty dogs to have access to this card for a month?

That's what you just did, right? But if my say my build so I give my buildings on the tenth, but I paid on the first, but other pay is gonna on the tent th and my paying .

that card twice, I don't think so.

Yes, that's what I don't know.

That's why I do not what you think what?

Because I don't write out to pay .

scares you will x thirty dollars. Es.

one time is one time. You.

yes, thirty dollars. And also might not just look to see if that would .

cause all IT says is yes .

or no and yes, but then see .

if .

IT thirty seven little like an actual or will be a little cry aby when IT comes of money. Yeah, you're get of an old play. Yeah.

you IT messes with my ocd. I like to control what I pay.

great. That worked really well this one time.

Listen.

that's not true. You've had one hundred and one dollars in physical far. It's happened three to four times on one.

He does not even know. Do you not see the issue here? Do you not see the problem with what you're saying?

You didn't even know what up one time. Oh, know if that happened three, four times. Oh, happened more, you don't know. So set of pay use the lovely thing called google. It's really cool and find out if.

Let's get straight to the point. If you're paying more each month than your more gifts than you d like or have a reason for change and maybe kind to consider financing likely money, that com has put together a list of his best options that could be a game change for. First off, refinancing with the right company could significantly lower your monthly payments.

Who doesn't want to keep more money in their pocket each month, money that can makes IT easy. By showing you multiple refinance options in one place, you can quickly compare companies to find an option that best fits your financial goals, plus you might want to happen your homes, equity for renovations or a big purchase money that come can help you find the best companies. So you compare in options to get the deal enhance is your financial lexi book without the extra hassle.

And the best far is all straight forward, no dragon, no in this browsing, just a simple, clear path to find a Better, more good situation. So if you considering refinancing, check out best options, that money that the link in the description today, I can seriously be a financial game changer. This is a paid endorsement sponsor by money that come which is compensated by its marketing partners, should have baLances anyway.

Again, you're not a current person. No, so that didn't be a part of the conversation. Hundred thirty seven dollars interest being. And yes, we have the interest rate right there of the thirty point nine nine percent. I don't know when you're interest free period ended because we are obviously as that lovely.

The third interest.

I mean, there's a six months option and that's probably what you had. There's a lot of options, thirty six, twenty four, eighteen to six, i'm sure you're interest won't want you to have that longer .

once they probably gave you .

the option of six months because they went to trust you to have a longer to request for requited.

Six ninety.

i'm surprised.

Have A G Y normous available credit?

Yeah you actually your limits are kind of high, but you just still hold bounces.

Yeah, my credit was a hundred point higher a couple years ago.

sure.

But then dumping me, I see my giant credit score because I ve always wanna try to get eight hundred and my all who I have a seven fifty years like a seventy ty five. Let me go get like what I would consider like on the .

league card or why? Why is that?

That thing I don't know. I wish I knew, but it's like in the back my mind it's like I really I don't .

understand why people care about IT. I really don't. I just get whatever is best for the points that live with my lifestyle. Yeah, I know that who gives up? gives.

So then I get these shiny cards and then you get a dog of mean here when you spend on IT.

And then I just go, oh, okay itself, admit that's great. Then you can use cards. No, okay, just envelope system yourself. There you go. You should you just said.

IT, what is yeah put the money .

that are in each category is spending. Actually, you got a budget. Go through our budgeting class.

Go their investing class, go through our deck class. Go through all them with your wife, please. nothing.

Eleven year old? Not yeah. But you know, let them have IT eventually. If I take the quiz is learn, you get for frame.

They're all bundled together for fifteen percent off, literally over ten thousand people taken, actually change your life, we've heard from them. Take IT for free. Once you learn that budget, you learn what goes into each category and take dollars and put them in the envelope.

Once that categories dollars have been fully spent, you cannot spend in that category anymore. You're forcing yourself. You're not getting in the opening of .

the swipe or the chip or the tap like physical dollars or just like.

yeah, that's a baby mode. You are in baby mode. okay? You have no ability to manage your money to save your life.

I can manage .

humors. sure. So you start with that to train yourself. And then you can transition to more of a digital wallet and things like that.

But you have self admitted that you get that dopamine rush, not every time you swipe a card. And I need you to manage that. okay.

So then how to wipe?

You need to have an endless gone session .

set of the things I B.

Going have to be digital, but we can still what I would do is essentially um a good way to do that could be having that proper money necessary for that bill set aside maybe in an evil open and we deposit cool. Now you know that bill is taking careful. We're still not spending digital .

because I was taking how am I gonna d eighteen envelops a month no.

no, I am not suggesting inly money definitely .

that's a great idea. But so this one .

this won't seem zero percent or at one thousand and one hundred seventy nine thousand and two twenty five cents. What's the thirty five thousand minimum payment I think is the best by minimum, the best by minimal fifty one. These are starting to stack for someone that only has forty percent of their income after housing and I, including utilities, internet, anything like that.

Okay, purchasing we're so purchasing IT is zero percent, but I still take six years to pay off in the minimum without more and you enough ly add. So I get, I vote your previous bounce damage. Your current bounce is one thousand, three hundred sixty thousand and five cents.

This one is primarily for gas because it's OK fantastic.

Well, you're putting IT on a card that is this your percent? I guess what you thought your best buy was a zero percent. So do you know in the sense tell me please didn't know .

that is your percent. I I said I don't look at the statement. I just pay the bill.

You're paying the minimum. But so you like thousands of doors taking away from your .

hard .

earned money that you actually working hard?

no. okay.

What you are doing that .

when I put myself in the situation, I mean, the only thing I can do is the minimal payment.

I know. So we stop spending on here. Where is all the first statement is both IT was all amazon dumb things? And we went through and I was, there is nothing that there was a real true necessity.

There has been interesting years so far. way. okay.

So always interest. Yeah, we have something. You have a you've got back into a .

promotional apr.

I when do you think IT ends so present IT? okay. Seventy dollars of fees is year so far. I'm sure you've had late fees.

probably about two probably because you .

don't know anything about your money because never look at the station in your life. Please go through our that implementing program please for sake how you probably someone inquire probably to get onto a promotional please help us word rowing promotional thing or someone of the bank like or big of amErica is america. He has an american flag right there. I love him. Let's give him a little take .

to get that card because he is the same one.

You guys separate finances.

So we have a combo like mean have a joining account and then he has her own checking account. We separate that years ago because I spend all our money, oh, I spend and I am the typical my s been dollars walking out of my shoes. I'm not gone to buy myself new shoes. me. I'm like, okay, i'll spend all the money on the kids and I find new new shoes to go buy OK.

We're obviously have to make more money to get the situation. What do you want to do? Do you want to do eighty hour per IT for the us.

Your life? No, I actually want to a completely .

change fields.

because what do you want to do? I want. So that's what .

i'm pondering ing for good .

giving you have a few of yeah i've got like set path. So for one path this days in the medical field, I want to go be A C R N A. okay.

But that that takes four, five, six, nine years, seventy nine years. I don't. No, no, no yeah ah C R N Y it's um basically in the nest with surgical capabilities 是是是 and starting pay fresh out .

of college， no experience fresh where .

es the problem was the .

second that one .

takes seven and nine years because I know I don't have a degree. I just had trade schools. So an aspect, number two, I want to go be a criminal defensive turney .

for do you have anything that takes less than nine years?

No.

again, this is more good situation you going to put yourself in us.

That's where the big problem comes in of me not being able to go back school so I can circuit some of the schooling with um my wife is getting .

heard degree and she's using .

in what healthcare business administration but she's going online. Okay, you cut that .

uh uh cut the school name. Yeah okay, that's fine. Um I mean, that's where everyone goes online. So what .

I can do is partners with Sophia. And Sophia, you basically pay fee or month description. You could take a as many classes as you want and all you do is you can shortcut these courses so you take a test. If you pass the test.

you can create for for the class hour created.

And then .

just saying the name, we have to believe that every time and learn.

And then why do not know? I don't want people to know that where he goes to school, I know, but you keep saying IT.

So even if I don't want, keep OK.

So then sofia is accredited with another online school that accept these credits that you can fast .

considering how much.

So some idea is like ninety hours a month and you can take as many classes you want.

And then the online school, you you.

you got a real college, but I can cut out two .

years yeah ish if I need like sociate like the gents.

No, you can get a four year degree from this online school.

So I get the online school of through Sophia.

It's both.

I don't know much about the Sophia thing. I right.

So you pigg you back to both of them. So you do as much as you can to Sophia to transfer to the online school. And then you finish to agree with online.

So many people that happen to whose the audience I would love to hear your thoughts on that. I i've never heard of Sophia. I know the school she's .

going to yeah so that's the school is in a credit university. So then I can cut out years on my bachelors and then if I want to go, the lawyer is a created school, and then to get to law school and apply and pass. And then if I get in to law, if I get in law school, then that's three to four years.

three, four years of having to pay for this. Morgan, forty six percent.

So then the problem is we last school, law schools full time after four, five days a week.

I know the problem is that you got the schools in the problem, law schools in the problem, that the year goals on the problem. The thing is you've set yourself, offer an expensive lifestyle that you can't afford if you want to do anything but grind forever, right? That's the problem.

You are miss, uh, again. And this is actually worrying that you are named in the wrong problem. You don't understand that what you did that got to hear is the actual problem because that just means that you're gone to end up here again.

Poor school. You're gonna live sound flag yourself to if you guys are making like a hundred, fifty, three hundred thousand hours year as a household income, you're still gonna your household, a Morgans. We like sixty percent to have this castle because you need more space.

I need two movie rooms or whatever. Like, that's how you will do IT if you do not learn this mistake. Just like when you can soldat you that in your soldier and you use that could be position that you made money on and you just built your deck back up again, the fact that you do not know the actual problem is dangerous and scary.

Well, I guess that doesn't help you if you wear, if your wife, I guess I can give you, I I could give you, of course, concern ant has nothing to do. What you've done IT is twenty five percent off, uh, is black friday, whatever black friday think is twenty five percent off for all the certifications for those interested in the audience by the um there is anything we can provide you on that education front. We definitely will them, right? So save your one capital one.

All this baLance is sick, dude. Well, you spend on, and like a dump, you spend more than you paid towards that. What you mean that never goes where you come on now, a little victim.

You did this. No, no. And IT never goes a way. You don't allow IT to go to way. You want IT to be there because you allow IT to be there .

because you have a least around IT.

I think IT has .

a no you spend on IT IT dos .

has a little by your.

I think we ever least on each other.

Sure, some kinky thing, whatever. Seven thousand, six hundred nineteen thousand and seven four cents in insane bounds for, yeah and all these upper, absolutely wild for you to life for the income that is happening in the two hundred and fifteen thousand. And the payment, I do not know how this is all gona fit men, I do not know four hundred and forty thousand of purchases, but you only made the minimum moment, the month before that.

What the again, we are doing this on a card that is a cream one hundred and seventy four dollars and nine cents, and interests on a money basis. You don't know because you don't look at the statement. You just want to make sure you can make your minimal experiments.

I'm not sharks. We have late fees everywhere throughout here on these cards because again, you're late on all your payments. So you're late on the H O.

A. You can't afford to pay that. We have no savings because you to hear about why here in a second because you said you did not anymore.

That means something. So and just that surprised we see we've had late solo the web fees. We go. We've had a late few this year so far.

There is I see new and I didn't see that what I was going through here and scanning when I was looking at today. Okay, because this is crazy, because you stretch yourself, be on the way you can go to. So making sure you say you don't know the interest, you don't be in spend here.

You don't know the money because you can make your but do all these cards, you have missed minimum monty payments. So that's not even true. Your logic of I just make sure I have enough to make minimal ity payments isn't true because you're miss them disney plus who netflix subscriptions, I promise you don't need if the little kids need to watch up to put them on this free APP, it's great. And then and utilities and walmart, twenty four dollars, who knows? Then donations to a church, I think, okay, so the thing we believe there was a sports restaurant .

that you into .

for seventy dollars in the house. Sorry, the only reason i'm angry, I go again.

It's a kid. It's a kid. No.

get off your force. And they go through what is going to be traumatic in our life. And you don't care.

In one thousand, five hundred dollars lost this year. So foreign interest and just this card, one card a lot good. Cope smiled.

And there you're going to get through this, that, of course, we've missed payments. huh? Better than crying.

No, it's not crimes of real emotions that are trying to laugh your way through this. It's not a joke. It's real.

Kids, are you going to be crime when they force of their house? Cause you you twenty seven point seven four percent interest rate. This is sleeps going, what are we in fat stack to wino city costco card that I .

wants gna be that I wanted to .

have a high spinny ure, oh no, has a high beds, two seven thousand, one two thousand or cards in your in .

that one has the move on IT, which the move royal.

Sure, everything is everyone else is for to you. What do you?

I want 这个。 They quoted me fifteen hundred dollars to move from one house to the other, which was not far in distance. And then when they moved me in, after they broke a bunch of my charge ment in thirty .

two hundred hours, okay, one, did you get the insurance to them? So often times insurance you can get to them, they offer IT. okay? Then we don't use those movers because every move or office insurance is usually how they make extra money, but they stop great. Number two, they probably charge you per hour included what they thought IT take and ended up being twice as long.

They quoted me for six hours. They were two hours late.

How many men did they quote you for versus how many .

showed for two trucks?

How many people though? Five, five. Don't be. No, man.

there's five or six. And then they quoted me for two trucks for six hours. And IT took two trucks in seven hours. But they, so they were two hours later. I was like.

time shift just moved. okay. Why you despite .

the charge I did, i've never did the charge before. And when I disputed IT with them, I don't know. You only get one like paragraph to put like one opportunity to say this is why I don't like discharge and they the city bank denied IT.

they denied this. Only get, what did you put in the reason?

yeah. So when you then .

what is a matter that you only had one chance explain.

I thought you ve got to do. Like this is a summary of what happened. Okay, we're gonna contact you. And then I can further explain, like going .

somewhere lacking.

you shouldn't done that regardless less.

Why would you want to have a action summary for something so expensive?

Because I thought they were going to come back.

And why? Why have a acting some mary regards?

They had a five hundred character limit and I couldn't put I don't know .

what the basic you told me was less than five hundred. Hey, they charge as sales as much as they said they were going to. And they broke all our stuff and didn't offer us insurance.

But I wanted to have like I had like time stamps and line ims.

And I okay.

so good. That's what I was hoping that they would come back. And IT did you call them?

No, you haven't even call them that. I have no sympathy that you have them typed enough number to call. Have no sympathy.

said the dispute is closed.

and if you have even tried to call, you never know what can happen, and you didn't even put the effort come on. And banks are usually pretty darn good about what you're disputing and they think there's any anything else go on working. But I don't know, man, I just sounds like you probably didn't know what you're set up for.

Think I could still call.

I mean, I don't know where everything's worth a try.

Yeah.

but I still don't believe you knew what you're even doing.

I mean, I knew I was signing up remove vers, but when they hit me with the Price I like, that's insane. And so to get honest.

sly, for that many people that checks out on IT isn't same for that much time. Um well and i've done moving and I do two people, one truck. Typically I have three people.

The last time cost me five, six hundred dollars. And is this for a couple hours of six hours, two trucks, six guys, seven hours? I'm not really surprised because .

a couple of the other companies i've quoted me was there's one bigger company that they were going to send four guys with two trucks. Those people like nine grand.

you can move this expensive due if you don't do IT yourself. Absolutely okay. You made you a little more than the minimum member. Doesn't matter because you purchase a thousand seven hundred eighty seven dollars tires.

So I had to put new tires on the ice car. And there was tired centers was like fifteen hundred. And then .

you going to have to retire us .

again at some .

point for .

any car and for your .

spending on going out. E and office few, if we know we have to get, we can afford. Put on something republic, who eighty eight thousand forty one sense of interests growing. So costa did the tires, yes. And then there's also costa spending, costco spending and dream sleep machine that was.

I went hundred, six hundred, and I went to a sleep doctor trying get sleep study.

You have sleep problems.

My wife says I don't. My wife says I and start breathing in the .

middle of I sleep just for that, you stop breathing.

This is like a sleep also. Okay, that's good. I couldn't get the no, not like as. And I, I, I, I paid IT.

But I talked to a doctor for three seconds and he goes, you have trouble keeping the healthcare. Yeah, that sucks. He was like, have trouble sleeping.

I, no, I sleep just fine. My, I saw. I think, okay.

You felt your assessment of her sleep. good. bye.

okay. yeah. I was the honors, whatever that charges. So the lady company, and she's like, hey, your insurance is gonna be six hundred years and I first leeds city and I said, no, thank you.

Walked out. And well, the fact is, is with your income and with your life and with the dependence you have, you probably should do and you probably for today, if you weren't done with your house, if you weren't down with your spending, because this actually .

something I would say you should do.

If I get that, you can, you spend more than I going out is so great. So, but you could die. And then, and then what do you have? Life insurance, please? Yes, because you're going to be stupid and get yourself killed and not taking care of yourself because you're putting food seventy dollars that are in restaurant over. You've been able to survive the night, but your priorities .

are whack for my so stupid for my life insurance. I up, I went above like the otto accepted minimum. It's up good because you're dead.

Your priorities or wax man, you're just acting like a dump. I wouldn't be surprised. A chrysler, what what am I looking at?

My car, zero percent to the lease. Oh, okay. Well then all that relies, baked in.

Let's seven hundred twelve dollars imus with the payment. Oh, oh, is this going to be possible? Oh, possible. No.

your death going.

But do you spent more than double what you make because you put your spending on credit cards that just going up, your luckily have a high create element allow you to do this, you think as possible because you have been able to do that so far. But if you're going to hit the .

credit limits and then you this purchase wasn't my fault. I got salesman.

oh, you stop being .

and happened. I went there for one thing short.

but that's gna pissed me off. How do you have no responsibility in this world? Are you a dam child? And every, and since that is gonna ge me, what? what?

I went for a different vehicle use vehicle, literally half the Price I sales. And I, crazy .

story, dude.

great. yeah.

Is fun, baby. 这个 thirty too。 I don't like two parts of my rage here.

I have to explain my rage because the garden doesn't understand when I can go to. Part social, wait, but whatever. Okay, so my rage.

What is that one I got? Salesman, of course, is not your fault. Everything control too.

I don't know what we're going to do, man. That seven hundred twelve has to pushed us to our limit. We incorporate whatever our expenses in your life, including food for the family.

IT has to have pushed you to your limit, and I don't know what to do. I'm scared to find out where this ends. Kay, what's your turn on this and where are you .

in that time over in february?

This come in brush oh, thank goodness, thank goodness, is the only bright spite because you're not gonna buy IT no, no, you are gonna go get a ten thousand in our car max and you're not gna get salesman because you don't want to advocate for yourself that's going to be IT okay, are you reading videos? S is a full time creator.

It's a grind between in scripting, editing and oh, all those and less little tweak and sometimes that feels like to keow would be honestly a Better career choice. But that's where day's sponsor in video A I comes with over ten users across one hundred fifty countries. In video A I is the world's most use A I video creator.

I remember hearing about other general A I tools what feels like ages ago. And when I recently looked, most of them aren't even available to the public yet, but video A I V three is going to be available for access soon. All across the world is the only tool that are truly put you in the director.

see. So here's how IT works to start and enter any detailed prompt. For example, show drone view of waves crashing against the rugged ID clifts along big sur.

Go I point beach with a voice over. Am I the only one who didn't know? Big get point beach is this breathtaking and a glowing sunset over the water, creating a golden glow.

The golden light of the setting sun cost a new theory al glow, making the whole scene look like a painting. Have a way house on an island overlooking the beach, and changed the voice over to my voice. And there in the distance, a queen lighthouse punched on a small island standing guard over this majestic vista.

In videos, A, I will generate a rough draft based on your input, and it's unlike any video Operation tool i've ever used before. Remember, you're the director here and can prompt whatever changes you need, just like I did. So if you haven't checked out in video A I V two already, go check IT out right now for free with paid plans, starting from just twenty dollars a month. And if you use my code kilo hammer fifty, you'll get two times the number of video creation minutes in the first month, again, the Q R code on screen, or check out the link in the description below to try out the future video Operation today.

I've actually been looking for like older model and use.

I'm not saying get you off sometimes you can get off. You get too cheap of the car and have to put more money into IT than and even worth i'm not in with that. You get a ten thousand our car. Make sure you get to taking to a mechanic so the mechanic comes up that it's gonna few years without you, put a lot of money into IT without you A A dangerous situation, okay physically and financially ah so problem .

i'm going to run into a the least is .

my miles what you know .

it's like yes.

i'm time so .

the cap is forty five k and i'm currently at forty nine.

What's the twenty .

five cent of a mile? I think that's like the standard.

So are you going to be what the one .

give a take? A thousand and fifty. Call fifty to five. Do you safe 啊？

Five thousand? eighty?

No, no, no. Oh, miles, fifty, two thousand, five hundred on the car when to turn in one thousand? Two thousand? Yeah, my round trip to work alone is like thirty miles to.

And how much that was you were allowed to do?

Fifty eight year to forty five total, just like seven, two hundred.

And yes, twenty five. So in the charge for mile twenty .

five since .

we why can I enter that math? 喂， 我 我， how do you do that as, uh, h time? Okay, I can do that. And then I got, I got, got so you can have to own one thousand one hundred seventy .

five just in marriage.

just in because they're to get in there.

There's a couple chips in the wind. You've been patch, but I mean, they going to I know a new wind. Children were in five, six hundred box.

I'm not saying I want you to, but you might be able to roll this over into the thing that through that, as you're forced to get IT with that ideal ship, which is dramatically limiting your options for getting the best car at the ten thousand hours you might be able to roll out over, i'm hoping they're some luck there. But one thousand nine hundred seven five technical, we could be able do stupid to your house if you didn't do student to their spending. And no, for that, I guess .

the other option I had thought of was because my wife worked from home. Now that your .

way works more.

should you have a job? Yeah, we're doll income.

Okay, how much did .

you make fit to so a year? Yeah, why has account salary? Hold on. But is there also .

more expenses in debt that he has that I don't know.

So I have to give her some of the bills every now.

And but the household income is more than fifty five hundred a months. Yeah, what's the not? Tell me this.

what comes in U. S. For my income?

What comes in for her account?

Take home is twenty four hundred a month.

a month because he pays.

he pays on the yeah IT helps.

IT helps when I need to know, do you know those amounts for the bills? He takes care of two.

it's whatever I telling to pay, usually at the utility bills.

So for everything SHE does like insurance.

and everything SHE pays four fifty for health insurance. So oh.

before before her money. Yeah oh, OK, I thought you like some insurance.

No, no, no. I I have the o OK.

So the okay, so seven hundred and twelve hours a month. Okay.

but back to the car. So and i'm sure this is a bad idea. A but to avoid like these fees and all that, if I turn IT in, so C, D, J, R cars or dodging brain, whatever has the deal like if you turn in your least to .

get another, please. No, we're stop in the cycle. OK, we're stop in the cycle. Furniture, good, four of four thousand, one hundred forty six hours, want a lot of ensure, apparently.

Okay, four thousand, one hundred forty six dollars and twenty six cents old for furniture with the minimum I payment of a hundred sixty six dollars OK. And let's see here they're gonna be at eighteen percent. But one, 喂， 喂喂喂， oh, it's the first interest.

One is the end of step up. You don't know anything. We learn this to this conversation.

I don't even want to be care. I'm sorry, but I don't. I want to to trust your number. It's not on here is IT wait, got IT twenty four hours again. You do not know what you're talking about, man. One ends in seven months, okay, and twenty four, the one thousand one hundred ninety nine dollars is over in seven months. A crude interest so far on that one is five hundred forty five dollars and it's only gna go higher. The other one is probably the longer one that's gonna end more in like a year and seven months, okay, that's three thousand, seven hundred and ninety, but that already a crew three fourteen years to curing fifty six hours a month and interest that you will have to pay if you don't do you understand that? Yeah that that interest pull back at you?

Oh, no, I didn't know that.

What did you think I was talking about this entire time when I was talking about interest cream? What did you think was happen 本人？

Well, on this one specifically, what you mean by bag, because it's zero is zero percent. For example, time.

if you don't pay the entire bounce in seven months of thousand, one hundred ninety nine dollars, the interest that I was a cream on the back, the third will hit, oh, which so far five hundred forty five for that one IT will likely be cost about seven hundred dollars, okay? And then the three thousand and ninety going to be like a thousand dollars by the time that hits.

No, it's going to a thousand five hundred, maybe two thousand by the time that hits OK. If you do not pay IT off in time, that make sense. This, another debt can we be done with? Debt is a house. She's hope that means at the end of the desk, because this is were still going. This is a wrong episode, three hundred twenty five thousand, nine hundred forty dollars and forty three cents old at at six point six two five percent interest.

And just about where we're at today and the minimum monthly payment, including all the good is distributed is three thousand hundred of the year, right? Yeah, you especially well, again, the wife come that actually coming in help to see what the percentages now still very, very bad. About forty two percent.

You would capital about thirty. You are still putting yourself in a dance position that is crazy as I was, but it's so very dangerous or what is this? For you? yes.

So you did go to school. You drop out. Use IT for help.

I use IT for trade schools.

Did you complete trade schools?

Yeah, i'm also .

great in permanent .

in .

two thousand and five hundred fifty six. It's was season crazy.

I got IT in twenty.

What's your in twenty?

And there are both low interest once, like three percent millions, four percent .

hundred forty .

one one there.

There are two different one.

They're broken up. A weird that's .

the student on for a federal once at least I .

did have a year of like whenever they this is that the that oh my gosh, now is one more than I guess I didn't submit my wife's car no.

apparently it's on it's it's included. One of these second account is on the a plus. Yeah, let me find IT hi kidding me how we still going through that an hour and seventeen minutes.

And okay, it's in the a plus carded. Okay, it's a low interest. You said this was your wife car, kay, four point.

four point .

two five. Again, you do not know things. Let me see you talking about your numbers. You do not look at them, so I will tell you what they are. It's forty thousand dollars because .

they had a rolled over of the negative event from the last car because they were.

what's the car .

currently? It's a ta hoo twenty eighteen toho L T. nothing. Fatty.

do you know what it's worth?

Twenty three, twenty two, well, more than I want to.

You guys have had to separate your money. Just for the soul. Fact, the german not matching up to not spend money.

That is crazy. I feel bad for her. Feel bad for her that she's married to someone so immature financially. And sure, you're great.

And so many other ways is always financially no, come on, you married a child is financially mini payment six hundred. Again, this is getting us in a crazy dangerous position. What is the m term term lakes on this?

Seven two from tony two.

Oh, i'm really good to I think we're onna, call her in the power. So we have the significant other confrontation. So make sure you guys join our youtube membership, guys.

You get the post show and thousands of hours of other audits and other content that we do. There's even a Colin show breaking Colin and get my take on your situation in any kind of situation. So make sure you guys join that, uh, elite for all the extra content, especially in a private discard.

Now lot of stuff super okay. And this second one two thousand one hundred and thirty six is horrible ah two thousand and four twelve eleven um proper sCooper twitch rain for twitch subscription dominos chick fully trick, fully witness I got some push sushi, a hundred and three hours of sushi in herbaut. Come the guy you can afford that.

When I got stichting some pulse, ultimate proper cup system, i'm going, people come by. No dogs. Yeah, no, you are a one proper scupper off the internet. And you do IT or make the eleven year old do .

IT or you like the eleven?

Do IT dad make dom, you figure out out taking a parenting course, watch videos, talk to someone that knows what, if they're doing in parent, your child. Okay, so come out, the president, to tell you how. But do IT guess what? I was rebell a little pieces.

I still picked up my poop. They probably told me a play fast some time. That was enough obert obert madona dd, smooth king wing, stop. Academic force, hoping for the kids two hundred.

my first day .

Carry sports close.

Okay, happy .

birthday. We're not gona lose the housewife, how about that? You want to have a gas station, gas boss, the local open you got are eating out every second of your life, every second of your family. Wife to witch stanly stanly my .

daughter.

How can get them a birthday of not having to get evicted? Course s wup. Come on.

Is spending is the damage? Mother, stupid, ever? Would you believe .

if I do just been worse? Yes, I would.

I would cause I know what i'm looking at right now. I've learned you throughout this when inside a gas station. us.

And stupid, but drink whatever snack, who knows? Pizza, starbucks payout out more. Subscription of microsoft more twitch, twitch, what are you twitching constantly? You have twitch money you like IT just thrown out.

What you doing, you don't know. How about your life is you just thrown in all so horrible to sea. More scoping of the pope in, oh my good paying out out and golden check paypal, paypal and scope domino star blocks. You can get the pope and scope when you take care of money. And I I can an adult apple subscription.

The paypal is .

meals at work joke. The .

paypal, its meals at work like I have to pay in because we go go to shopping to.

You know what i'm going to say, do you do you want .

to show you?

What am I onna say.

bring your own lunch. Make a .

sandwich. You feel you can get cheaper than the communal thing. Doesn't to bend.

Everyone else is wishes for lunch. Thousand million guys in this little cash up and investing I L sea fund. Oh, retirements just around the corner, almost there. Oh, but why you have never heard nothing yet. Two and five dollars more.

IT was my wife.

my wife and me guys. We're gona live in lux xury forty two hours in this Robin hood. Wonderful, well done.

Really, really such yourself. Oh, good. And I been told, look, and apparently it's all in doge coin.

I made a lot of money on of IT what's .

all a lot .

like five grain worth. So you took IT all out. Thought I had us some most of IT good.

Yeah, because you can afford to pay bills.

So I just .

left IT in. Take a vera retirement .

account a couple grand.

And OK good for one. K kay, you could have send me a statement. But all right.

is that like a sixteen percent R R for fifteen years probably?

Spending stupid. If you're want to take a look at IT and I wanted in front of me anymore, i'm scared to make this budget. I am scared. I think this is going to be the upside down.

a Better subside down. So what's the .

solution then if we really know what subside down, there's no point. And people love IT when I don't make a budget. But again, if it's upon what is the point, what do we do? What's your solution? What did you think i'm so gonna IT, but what did you think you we're going to do? I know what is you .

in your wife's plan? I know the things I need to get rid of, one being my car, obviously. yeah.

And then go to the girl you store more versus going out all the time. I will cut down on a spending. And then I .

think those are .

two are bigger suspends atures.

That's that's that's all who you are. You going to .

do me to get me started.

How are you going to get to ten thousand our car in a few much to plan there are you are planning to just get another list that would not help. You have had another chunky payment. Your ad ministry told, by the way, two thousand, two thousand, two thousand and two hundred thirty dollars in sixteen by seven, including your mortgage, your mortgage again, three thousand and two hundred fifty eight doors, four nine cents or utilities.

Water bill averages between one hundred and twenty and one hundred and forty and electric bill lily has been averaging about one .

hundred and fifty. And IT A D .

books amount right room from gas.

gas for both of you.

So it's different now because knowledge e's work from .

which room room gas gas for both of you.

I would say hundred eight dollars .

among concerns for both.

It's three twenty for both.

T, P, find anything else. You survive this, include things for kids school, and suffer that into two hundred box. Hopefully can cut that back.

Necessary food. We should be able to get guys going to be there. Your kids are going to be so bored with the food you get.

They can they can go to back. They can get hungry and maybe, I know, but either way, be meal pay only a couple times a week. So it's going to be a lots of repeat. But as we got a, you know, survive, I think we can make i'm going to do a thousand. And I know eh medical health care copays anything.

Um so i'm i'm changing my insurance coverage that the turning you want to get new benefits because i'm trying to get more healthy. I guess i'm I picked the monthly expenses. I don't know IT, that's the problem. So no one consistently to the doctor .

right now OK jim.

don't have one. I don't have a membership.

Pets, how many three? Pet food? How much getting .

from costco? So it's cheaper, but it's probably eighty dollars among what are they?

Dogs, cats?

What I have two rought, right? As in the people .

can the a the insurance. No, he responds.

my mother and not works at the back clinic. She's the manager of IT.

So you can save a test life for free if they need a surgery. No, exactly. So you don't have pressure. Irresponsible call IT forty box per said three hundred twenty dollars kids.

what you going to do and .

let them die? No, I just I say .

I pay for you pay for a ten thousand Operation .

if needed to exactly if do you have a pet and you don't have petters you meaning you're allowing them tough die, meaning you're not be a responsible pet on or in my eyes, i'm sure other people see a different way, but that is how I see you because pets are everything me.

I did IT because we ve been in a situation .

like that before. Ten thousand and I .

got thirty. Somebody broke my people's leg stamp in .

clean and and I put thirty phone bill. I don't .

pay because I mom, mom's account.

the one for your wife kid .

doesn't what other expenses .

are not aware of that your wife takes.

take care, come over a thousand thousand month.

Did what I thought, if he works at home.

he's part time. The Youngest.

there's only one. Can you take? Can you sacrificed little for that?

We tried.

But the problem, the problem we probably we just like simply can't right? Like what about the other something we know we can right? Yeah again, total household then come over IT five five zero zero plus two four zero zero so seventy nine hundred months, not a bad households and come with where you guys got yourself. So shall go to the girl lot at home and he's .

not a work from home kid.

So he goes to daycare.

Just, I mean, is difficult, you just very moxi and loud. So he goes to daycare for the, for the front half. I go from eight noon, and then when he comes on, takes a nap by the time. Via F, S.

Nab are the same parent.

They work full time.

How do there? My grandparent .

or my parents are. My dad is sixty. My mom is fifty collations men.

If you actually budget, you made IT, you actually made. So i'm glad we did about you. I am you barely made IT.

I mean, let's be honest, your break even. But because i'm sure those expenses we have been taken account for T P know it's even flow. You got to make the budget together. You made by twenty one hours and forty five cents.

So i'm considering that break even, possibly under, possibly over, most likely over more than under, cause you, you and your wife need to sit down, take the budget in class, learn how to make a budget, and then manage to figure out, yes, the thing is working your schedule on all the stuff following this budget like crazy all the way through your february, you're still enough to such a take out ten hours loan on the ten thousand car and probably even thousand, twelve thousand not to the role. The negative thing, if you do that problem. Now you might just to take person on to deal with that and you might have to then ten thousand years so you can use all the different lots in town.

So you don't the roll over news that one not um which currently we is. So you're probably going to add ten thousand hours of this but your minimum payment hopefully we get closer to four five hundred versus the seven hundred fifty of the car and that actually starts giving you some room but only like two hundred fifty dollars a room and two hundred fifty dollars a room. This math body, I just want to put this perspective.

You have that extra eet is spending. No, you don't. Because I do just want to put this into any kind of perspective. If we take away the mortgage and we had that ten thousand our car on and we add that fifty hundred you borrow to figure out at least situation, we have two thousand and five hundred nine dollars if you follow this completely, sorry, actually want to get rid of the least all the leases and on there because that wouldn't be it's not oh 哦 no， all we did but that only uh takes a two thousand one hundred and seven seven eight so okay, eighty thousand five hundred thirty two m extra two fifty dollars a month now.

So that still takes you three hundred twenty two months to pay off that which is obviously unreasonable, or twenty six years, which is being close. Stories have focused, we need to be able to retire. So this leads us to a few different interesting little things.

Cancel the house. No way. Gain equality position because you're going to it's going to cost you what like five ten percent to sell the house anyway, six to ten percent.

So study even worth that bankrupcy bankrupcy might be an option. Maybe start talking to a bankrupt y turning get their thoughts on IT. Um i'm going to set you up with the free you and your wife are going to sit down with people who I use for my own financial advisors license.

Financial advisors don't mean money and that we because of my situation, my partnership with them, everyone everyone including the audience and you gets a free session with them if you sign up. So how they recommend that, like C P A R, A licensed financial advise. So do that get their take on IT and see if they think bankroll is an option.

But probably stop your side hustles. If you really do have extra time to work, put IT towards a guaranteed income. If you bring in a guarantee, come in to a thousand hours month, which is going to be hard for me because I think you are to push in your body that I X really do.

I don't want you to end up in a dangerous position um but just pretend you do again. What was eighty thousand hours of that? I mean, that takes eighty months to pay off.

So what is that? That's still six and hf years might be bankrupcy keep in the cars, keep in the house, but bank crapy sells for bit. I can be able to take out credit, but you really start fresh for ten years in terms of being to take advances of any kind of leverage. But at least you and your wife get a relatively fresh start, not fully still, get to figure more situations, get to figure out car payments .

also left you for a is seven years, whatever depends which .

crupp you go through. But we just assume a decade. But when you have to bother to get this new car, you're going to yourself there or you're going to get something predictor.

So there are consequences and negativity. Think so. There are our options here.

You work yourself to a limit that I wouldn't recommend, and that still takes six years to have the that following the most rigid budget avert or you're paying off into your fifties, you know, go in the other way without changed anything. And this isn't included going back to school. I'm sorry, this is a dyna glum right now. Um the proper and buttery ath is probably bankrupcy which socks is really the last option because there IT makes expensive to go to bankrupcy and you know it's going to cause pressure on the house.

on the household. So her both her uncles axy found for bankrupcy and did they went really well for them? They did the whole doesn't .

they have kids?

I think at the time that each were married with a single.

I can cause stress on the household. You know, people are gonna try to come get their money, is going to be fights. But IT can work.

You can work. And I think you've such a situation, where might be the option? I want you to sit down with the domain money people first time OK really do.

um. okay. Yeah, I mean, that's I take that's when I take. I'm so I wish I had a Better answer. You can do the long way. You could do the midway or you could do the quick away relatively.

But then I think again, my big concern is what do you do about your car when the least is done if you do have bankrupt in your and then you have to borrow essentially to a rank, also won't be done by that problem anyway. so. It's hard, my man, spending about your experience or attend that you put yourself in such a beyond dangerous position but you don't have I that or collection.

So one out time merchants y fun, nothing in save time, retirement barely getting started. One another time, real say you do have a house, no longer have an equity position. We've got all twenty percent down, but I get a house gona lose guarantee ten percent.

So it's not great and it's forty percent of the household income, sixty percent years. I have to give IT a mid five other time because of that. In a financial score rounding up one point five out of ten.

Come to the post show guys, we're going to call the wife. I need to get to take on this. I need to confront her, and I need to see what their relationship with money is like with each other.

And I also make sure to bundle our three educational programs that over ten thousand people are taking adventure of. You get IT all for fifteen percent off, if bungled. I'll see you guys in the potion you told me because he doesn't trust you, because you spend every to see. Then why would you be the person responsible for paying the bills when I got? If you gonna know you have late payments and hundreds doors of fees this year so far, mabe sounds get .

a little ring, ring.

Why you allow call to be the one that's in control of paying the bills, not what he said. To watch the financial lot of potion, click the join button below.