This $400,000 Debt Will End Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. $400,000 of bad debt without any assets as far as I know yet. You're 50. Yes. Why are you in debt for TikTok shop? I just want to pay it out. What is pay it out? Like pay it out over time. You can't. Your minimum payments are stacked up every... Everything is so... Oh, whoa. That was the end of the debt. The fattest of stacks we have ever seen.

Hi, my name is Sylvia. I'm 50 years old. I'm from Houston, Texas, and this is Financial Audit.

So normally I would jump into pleasantries and everything, but seeing how this is Fat Stacks Week as we're talking about it, and you don't even know this, and we didn't even know this. This is a whole week of episodes of the fattest of stacks we have ever seen, and you're literally ending the week. We didn't know it was a thing until all of a sudden you replied, and we were just like, what has happened? We've just done so many of these in a row all of a sudden. So Fat Stack Week, but also out of the gate,

I saw my notes. There's a whole note. Our producer, Lindsay, she's getting all the notes and everything. I was just like, oh, what's up with today's recording? Oh, she has tens of thousands of dollars of IRS debt but is planning to go on a Europe vacation with her friend. Maybe. So how are we doing a year of vacation if we're on IRS debt? So, I mean, that's just kind of blowing my mind. End of Fast Tax Week and IRS debt. So...

It's interesting. And I'm interested. Okay. But first, I want to know what do you do for a living in Houston? And thanks for being on. I do appreciate it. Glad to be here. Glad to be here. I am a consultant. So I go into companies and help them build their ethics and compliance programs. Ethics and compliance. So what does that look like? Anti-bribery, corruption. So I write policies. But you have IRS debt. Yes, yes. But I will pay it.

But there's years of IRS debt. There is years of IRS debt. Let's pay it in 2040. Maybe, maybe, hopefully sooner. You'll help me do it sooner. I'd like to. And another weird part about this, again, there's this weird thing. So I want to call out at the beginning.

Mr. Dude over there, your son. We won't name him because we use anonymous names, but son guy. He teaches one of the Dave Ramsey classes, yet you have a fast stack of debt and IRS debt. And your kid teaches the financial peace thing. I know. He must not be a good teacher.

Okay, well, either him or you or you both. I don't know what's happening. So, but why then? If you have the resources in your corner more than normal for most people, why is this possibly so bad? Why is this possibly so thick and fat?

Well, lots of reasons. Can't really blame it on one reason, but I have. Can you blame it on anything other than yourself? Mostly myself. Yes. I have been in a marriage for 13 years where we had lots of unemployment on his side. Oh, okay. Lots of years, probably half of the marriage, I would say. Half of the marriage? How? What did he do? He's in IT. Okay.

Okay. So just lots of, lots of jobs, not jobs that he was willing to take. So that makes sense. There was, so it kind of started out my first year of being self-employed. I had saved all the taxes. I had put it in an account and he had been out of work for a year at that point. And I was like, okay, so how much longer is he going to be out of work? So he didn't pay the taxes for that year. Cause I was, what do you mean? Hold on.

Well, what was the longest stint of unemployment? A year at least, probably longer. Okay, so after that, why didn't we save up a full year emergency fund if we knew that was a reality in our situation? Why are we going into debt for that if this was a thing that was ongoing in the good times? Why didn't we prepare for the inevitable rain that we knew was coming from living in a historic, rainy...

Yeah. No, I've never had an emergency fund. You've never had an emergency fund? I was a single mom for 10 years. Congratulations. Get an emergency fund. What? No. No good reason. Woo. Good job. But get an emergency fund. Yeah. I don't... Single, not single. Yeah. Doesn't mean...

You cannot get one or can't get one. There are single moms who are superheroes out there killing, you know, just getting done. And I think if anyone needs an emergency fund more than anyone, it's probably someone who's a single parent. Yeah. Because they don't have the other thing to rely on.

So I think actually being a single mom should mean that you have an emergency fund more than not. Oh, no. I was saying that it's terrible, too. I mean, like, I know I should have had one, but it's never it's just never happened. Why? Emergency fund. There's always something else to pay. Just priorities. Girl, I got your spending. Yeah. You're f***ing around. So going out to eat, having just miscellaneous bulls***. Now, fifteen hundred bucks on miscellaneous bulls***.

Also, we're going to have you take a little sip of water because you got that going on, which is OK. That happens. But we're doing it for you, the audience. Thank you, everyone. You know, we get a little nervous on camera. It's OK. Totally good. Nothing, nothing bad. So what are we making in this consulting job? Probably about one eighty five. Tons of money. How long have you made this much money? Probably off and on for the past five or six years. I started consulting. How much did you make when you were the single mom?

Like that was the card we pulled immediately. Less than 50. Okay. Well, less than 50 when? In 2011, I was making $48,000 a year. Okay. So. Oh, okay. So 13 years ago. That had to have been relatively close to the median household in 2011. Relatively close.

What was it? Probably $10,000 more or so. Maybe, maybe. So, I mean, that shouldn't have been like the biggest thing. Now what obviously becomes a massive issue there is like taking care of the kids. Cause you got to make the money, but where do the kids go? And that's where there's usually a huge problem, but you can be a single mom making a million bucks a year, you know, being like a power boss or something. And it's like, okay, obviously the income part is not the issue there. Right. And for your portion, um,

The 50, right around that 50, it's a little hard to say, especially since we know you spend so much money on bull. So I don't know. It's the fact that single mom is such a huge thing. It really is. But the fact that you immediately pulled the card out of the wallet, that's always what gives me a little bit of concern when we're talking about why your fat stack is so big today. And we were just like, whoosh, drew it, threw it on the table.

Yeah. Even though, of course, you've been married for 14 years. Yes. 13. Yes, I have been. So I just mean like when I was a single mom, I still didn't have an emergency fund. Now I make way more. Still no emergency fund. Sure. Fair enough. Not a good choice. Fair enough. Okay. So $180,000, you didn't pay taxes. So we owe back taxes. But for the sake of future taxes, are you at least setting just 25%, 30% as high?

I'm hoping to now. Yeah. No, I haven't been. Fun fact. We're in the 10th month of the year. So I don't think the IRS listens to laughter and allows that to be settled immediately.

That from the previous year. Yeah. Also, why are you making your son watch this? I feel so bad for him. I'm like, this show has a little bit of a roast element and your kids sitting there. I would hate seeing my mom roasted. No, he knows it. He loves your show. He's the one who got me on here. Well, I appreciate it. Try not to cringe too hard. He knows every detail. So he is, he's my future accountability partner. So he knows everything. Why not current? Or past? I mean, now, but...

For my future. Because I've never, even my husband never knew all the finance stuff. I see on the good path, but you're on the path. I don't know. Maybe I passed on my good genes to him. Uh-huh. Well, real answer. I'm just terrible with money.

I mean, I try to buy happiness. Okay. So, yeah. That's American consumerism right there. Not happy in life, not happy in marriage, not happy with whatever. Just, you know. Do you not find yourself happy in life right now? Right now, I'm happier than I have been because I'm separated. So, that helps. So, now I feel like I'm in control of my own destiny. Okay. Yeah.

And you hope to set money aside? What is hope to? That doesn't make any sense. Why aren't we setting money aside like just a responsible business owner that we should be relatively? Especially since you've been doing this for five years, first couple years. I get it. Maybe a little confused. You're learning the ropes. Five years in, I think at that point we're probably setting money aside and not hoping to. The IRS isn't a hope to. Right. No, just poor money management. Just...

absolute poor money management and just buying stuff I don't need. I have to, it's the priority thing, right? How much did you bring in last month from the business transfer into your personal? Right. Last month, probably 15, 16, 11,700. Oh, how much did you spend more than that? I'm sure. Let's go with 14, 13. Okay.

So overspent earnings. Yep. While having a stack that is basically all debt. You technically have retirement, but for 50 is nothing. Nothing. It's like almost like what? Five, 10% of what we'd want you to see. Just scary. Yeah. Consulting. Okay, sure. Do you think you're going to be doing that when you're 85? Like and have to get the grind of selling yourself constantly?

Yeah, I hope not. Let me shave your business. You think that's going to? Pretty much, no. I don't want to be doing this at 85. If you're falling downstairs on the way up to my office, I don't think I'm hiring you. Right, right. To tell my business how to survive. Oh, well, how to not commit fraud, I guess. Not commit fraud. Well, I want to hear self-assessed. Where do you think you are? On the finance scale, zero being the absolute worst, 10 being the absolute best. Where do you think you are?

Oh, zero. Clear zero. Good. Well, I appreciate that. I appreciate that you at least know you're in a bad position, and I think it helps with your son being in the position that he's in as well. And if you guys want your Hammer Financial score, it's free. Link in the description below. And if you want to be on the show, you can bring your son. Sure. Absolutely. You can bring anyone you want. Come to calebhammer.com. We'd be happy to have you on the show in Austin, Texas. All right.

This is going to take so long to get through. It's only the beginning of the week. Yeah. It's only the beginning of the week and you're bringing this into my life. Okay. You're welcome. Yes. Target. Yeah. This is actually interesting because this might be like the only card that doesn't have interest, but I put it at the top of the stack. This is actually a card that you pay off. Trust me, that is not what it's like for the rest of them. So I'm a little confused. With this card...

What are we usually getting at Target? Because you spent $237 at Target. And Target's an unknown entity when walking out of. Right. So what were you actually getting? I don't know if that was me or that's the card that sometimes my daughter will use. How old is your daughter? 23. From you. Because I want to help her. Yeah, you owe money to the IRS for multiple years. So... Yeah. Yeah.

Help her by you being able to retire at some point. So she's not putting her life on hold in the forties because her mom can't afford to put a roof over her head. How about that? Yeah. No, I, I'd be pretty good. That'd be pretty selfless target card. You can't afford to, does she pay towards it? No. Does he have an infinite money card?

No. How old is he? He used to, but he doesn't now. How old is he? He's 22. So a year younger. Why does she have an infinite money card at 23 for Tarjay? She is not as good with her money as he is. So that's the person we should be giving an infinite money card to. Someone that's not as good with their money. Well, it's not infinite.

There's going to be a limit on there, but yeah. Yes, but you're allowing her to bring it all the way up to it. Yeah, she can. No. Why? Because I'm afraid she won't eat. Starve. No. That's what I'd say because she won't is the thing. I don't know. She's lost some weight. You never... I seriously... 2024, year of Ozempic. What...

Okay, well, let me get some actual real information from this instead of just joking around with it. What does she do for a living? She is an account manager. Okay, she can live. She probably needs the budget. She probably needs to come on the show or go to one of his sessions. She's not open to that.

Well, okay. He would love to. No, that's actually great. That's actually great to know. If she's not open to it, then she is not provided this. If she's not willing to take the actions or the steps, then what you're doing is just enabling her around and not ever having to learn. She's going to be 40 and doing this. So, no, if she's not taking the steps, willing to take the steps to improve her life, you are not giving her money. And I think at the end of this, we need to give her a call and tell her to f*** off. Oh, wow.

And grow up for the first time in our life.

Yeah. It's hard. You want to do everything you can for your kids. I agree. And you should do things that benefit her. This is not benefiting her. Again, you're just allowing her to be irresponsible. And the fact that she's not even willing to go to one of those sessions is pretty much unacceptable. Yeah. Well, she has told me in the past that she just wants to live her life. She doesn't want to have to work a second job. And she wants to be able to go and do fun stuff. Oh, no.

Yeah, welcome to the real world, girl. Yeah. Yeah, you got to work for your shit, okay? You're not entitled to nothing. I mean, you can give her whatever if you want her to be a spoiled brat her whole life. She can be. Yeah, no, I don't. If that's what you want. I don't. Oh, okay. I don't want her to grow up and be like me. So, you know, with finances. Yeah. Or were you spoiled? My mom helped me, you know, not...

Is this help, though? Well, no. Okay. Yeah. But no, I mean, my mom helped me and she helped with the kids school and things like that. Is she in school? No, she's not in school now. She graduated. She might not even need a second job. How much does she make? I think 50. She's probably relatively okay. Young adult already in the 50s. Like, you know, she's on her way. No, she's just being spoiled. Yeah. She's probably going in there.

Getting some delicious Target scones. I love them. But mama doesn't need to be paying for them, especially when you owe money to the IRS. And this next credit card balance is at $22,986.45 and you can't pay it off for the life of you. I don't think we're giving our daughter infinite money. Agree or disagree? Agree. So we'll stop it. We'll stop it.

What? I mean, I feel like I need to give her some notice. Yeah. Yeah. No, no, no. You know, we're going to call her and I'm going to tell her to fuck off. There you go. That's her notice. Because that's not the only thing I pay for her.

What do you pay? Her insurance, her car insurance. Okay. And she's on my phone plan. And how much is her car insurance? Her car insurance, I think it's $260 something a month. Those are a little different because that's taking care of a recurring bill. This is her spending. So that's different. She's not spending the car insurance.

So those I'm okay with a little more longevity to help her transition. Now, I still think maybe wean off if, again, you have really nice eyes, by the way. I just noticed that. Thank you. Great eyes. If she's not willing to go to a program to help her understand her finances and get her finances better, that's where it's like,

The help that you're providing on that end, I still don't even know if that's help. If she was actually struggling and we saw that her money was going to necessities and she can't get ahead, that's where I'm like, yeah, mom, if you want to step in, step in. That's great. You know, that's just a loving, kind heart. But if she's around...

I mean, I'm sure she is. It's Austin. How can you not? Oh, she lives here. Yeah. And, you know, my son would love to help her. But if you text your sister right now, will she come in? Yeah, she works right down the road. So give her no context. Don't tell her what I'm going to do. Well, you can tell her to the show, but don't tell her what I'm going to do. I'm going to tell her to fuck off. She's a little bit scary. I can be scary.

All right. So why do you have this $22,986.45 loan on a United Mileage Plus card? Just spending. Vacations. Vacations.

Oh, because you're talking about going on this trip with friends. What are vacations? What does your life look like around vacations? We've done some. In the past, we've tried to do them around my work travel. So I had to go to Amsterdam quite a bit for work. Fully paid for?

By the company, my part was fully paid for. And then the kids and my husband would come out there. They've been out there a couple of times. And we went to Paris once.

As well. I think it was just like for the first time in my life, I was making really good money and I just had like no clue. That's the thing is you are making so much money and we could turn this into an incredible nest egg that it would be allowing you for probably multiple decades to be able to travel almost as much as you want if we did this properly. But now your entire existence is this pain off the past travel. Yeah.

Yeah. So the company pays for it, usually for you. Do you immediately throw that towards the bill or do you then just spend that money? I might just spend it. On what then? Another vacation or what? No, I mean, not necessarily, not necessarily vacations, but just, you know, it could be it was a time when there was no second income or it could just be a time when I thought we needed something else.

Or wanted to get something else. Well, like, yeah, no. $112 minimum payment on here. Yes. Which is an insane minimum monthly payment. Still purchasing. We're still purchasing. It's basically out of. Sometimes I just need a little something. Huh? Sometimes I just need a little something. $215 isn't little. Yeah, I don't know what that is. Hold on. Are you actually willing to cut that? You're giggling. You're giggling like a storm. No. You even care? It's embarrassing.

It's embarrassing. I'm supposed to be a grown up. $550 of interest in a month. Balance barely went down, even though you put $809 towards it and it went down like $50. Yeah. And it's accruing interest. It takes 29 years to pay off, by the way. 29 years.

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Could be, but 29 years to pay off is what this takes at the pace you're going. Actually, not at the pace you're going. You're never going to pay it off at the pace you're going because you just put more money on it. VMC Cutco. What is a Cutco? You don't know what Cutco is? No, I don't know what that was. No? Huh? They're knives.

knives you don't have knives well i do now you didn't have knives not really not what is that really okay so one of my friends her daughter is selling catco knives she's trying money for college she's in a little pyramid knife scheme yes oh my you're supporting it she's so nice she's so sweet sounds like she needs a fucking

slap uh so yeah so i bought knives she's so sweet she's being willing she's able to be sold into getting into a knife pyramid scheme yeah so i mean i'm not you know yeah so maybe we should call her in too no i don't know her that well uh yeah i don't think he knows about that one because i just remembered about it about a week or so oh my dude i just don't understand what you're doing to yourself

Out of all things for money to go to on a card that we can't pay off that has accrued $441 of interest this year. By the end of the year, it's going to be like $12,000 of interest. $12,000 of interest. $12,000 taken from you this year just because you refuse to stop spending on this card. Yeah.

I'll stop spending when there is when I hit the limit and that's what I do that it's what I do I look are you kidding me forever since forever has that been your life forever for a while when I think I started I did get them paid down some because we bought a house in 2022 okay so we did you know have to get it at a decent all

Only so you could qualify for a mortgage, not even to improve your life? Oh my goodness. I also sold my car so we could qualify for the mortgage. Where is that kind of energy now? Where is that fire under your ass now? You're not able to survive. Hopefully being, you know, separated and I feel like that's going to be my fire. Everything's my own decision now. Okay, when was the separation? Three months ago. Okay, nothing's happened.

Your debt's only gone up. So what the are you talking about? No, it has gone up because I had to I spent a ton to get into the place. Into the place. What's your place? What is the place? Into the townhouse. So, I mean, I had to buy all new furniture. Had to. We couldn't live without a couch for a second. No. Yeah. No, it was awful. You know, I had everything bought.

Listen, you chose to separate. I'm not saying it's an unjustified thing, but you chose to. You can live uncomfortably for a moment. You didn't have to go right into life as perfect. Right. I feel like I had already lived uncomfortably for so long. Okay, listen, you had to take some time if you're uncomfortable with it.

Not even that. I'm sorry. Close your ears, son. Close my ears. Close my brain from that. I don't know where that came from. I apologize. It's probably just because I just know how much we have to go through. Yeah. Oh, okay. Yeah. When I got my townhouse, I'm very much where my mom always had a place for the kids to come. So when I moved, I got three bedrooms. Your mom.

Like my mom, you know, she always had a place for us if we ever had to come home for any reason. You know, like things didn't go well for us. So now when I moved, I got three bedrooms. So I have a room for each of my kids in case they ever need. At the same time? Well, it might happen. One can be on a couch. She can sleep in the closet. I don't like we can we can figure it out. That's that's such a.

It's not coming from a bad place, so it doesn't enrage me by any means. It's just like you're just putting yourself in a harder position for a good intention and a good heart. I mean, I like that. That's wonderful. But it doesn't work for you right now. It's not necessarily an option. How much is your current rent? $25.50. Oh, it's expensive.

It's gross. I can taste that one. 28.24% interest on this. Sorry, I said it's going to be $12,000 in interest by the year end. It was $4,741 so far. It's probably going to be closer to like $6,000 by the year's end. I'm just that card. Are you feeling like guilt or anything from this separation? Is the taking care of your kid, making sure you have the rooms, so it's driven by like a guilt or

Um, no, I mean, I don't feel guilty for separating, but I do feel guilty if I can't do the things for my kids that I've always tried to do. How many kids do you have? Just two. Are they from him? No, he was my second husband. No, so they don't give a shit. Well, he was around a long time, but... I'm kidding. It's, uh, okay. Okay.

guilty that you can't give things you want to provide? It sounds like you've taken them to Europe multiple times. It's more than most people can say. It is. So what are you on about? What have you not been able to provide? It's just a mental thing. You're funding her existence right now and dude over there seems to be doing pretty okay if he's teaching a financial peace class. Yeah. He's doing great. So what guilt?

I don't know. I mean, I can't tell you where it comes from. I just. What do you feel you've not provided, though? I don't know. I really don't know. I just. I might want to talk to a therapist about that one. I do. I start that on the 11th. Oh, good. Good. Good. I like that. Yeah. Oh, and then also Grace Fellowship United. 20 bucks. Yeah. I think I registered. Oh, I registered for a course. Course. What kind? Yeah.

finance course. What are you doing? You get ours for free and ours isn't unlike all those cash grants out there. We put like three months into just deep research. Actually, I think that was the story of the Bible course is what it was. So it's not a finance course. No, that one's not. It's story of the Bible. I had to think about it with the cost. Can't you just read it? It's better if our pastor is telling it to us.

Isn't church free? Most of the time it is. They do have, you know, different classes and things that they offer that you can go to. And since separating, I've just kind of thrown myself into it. For community? Yeah, for community and just learning, learning more. Learning more about, you know, the Bible and trying to be, you know, a better person. Well, obviously you'll get access to our budgeting program online.

And our investing program. Great. You'll get those for free so you don't have to spend money on those. But I need...

Let's not spend any more money on courses, just courses in general, just because it's so hard to vet what is good. There are great things out there, and I believe that we've created good product, and I'm very proud of them. People have gotten great results. There's also so much cash grab. He's a part of a good program too, your son over there. But there are lots of just cash grabs out there. I just don't want you to fall for that when you don't have money right now. I think you can get a great return on investment from our stuff, but there's such a risk.

I'd say like 95% of the things out there that want you to get into their program. Right. Pedal. You're not a credit card person. You don't use credit cards. No, I don't. I need you to close it. Are you going to get another house? Do you want to own a home? At some point. I just don't know for sure where I want to settle. Okay. Yeah.

I'm okay with credit for a bit and then maintaining and trying to grow it once we have a bit more discipline. I just can't have you access to credit. You don't know how to manage it in any way possible. If anything, use a card like the Fizz card that's usually more geared towards college students, but like a charge card where you put the money on and you can only spend the money you put on.

It's like a secured card. Yeah, $2,000. But, I mean, Petal, I think, does Petal have some of those options? What do you have with Petal? I know they have weird things. That's a business card. So it's a basic, okay, $2,642.95. Okay. With another chunky minimum monthly payment, $105.38. Okay.

We're still purchasing on here, even though it's accruing $79 interest and it's basically at the credit limit. Yeah, they're all that way. Why? It's the Super Eats! It's the Super Eats! It's what? And trips. Uber Eats and Uber trips. We're Ubering. It's the Super. What are the dates? Well, they at least settled on the 7th and 8th of now, two months ago. Okay, I was probably traveling for work. Why are you Uber Eatsing to travel? Go downstairs, get a...

Is it? Donut. Oh, is it Uber Eats or just Uber? There's an Uber Eats. Oh, okay. Well, yeah, it was probably traveling. Probably just getting food sent in. Mm-hmm. Which I know. It should have been reimbursed. Should have been? Are you saying it wasn't? No, I'm saying, yeah. I mean, I'm sure I was reimbursed for it. How do you know? How good are you at tracking this? You don't pay your taxes, so. Well, no, I mean, I just don't have QuickBooks out in front of me, so yeah. Do you track well and extensively? Yeah.

Um, yeah. I mean, then that doesn't equate with you not paying taxes then. Well, it's the saving for the taxes. The putting the, you know, 30% aside. Make it automatic. Okay. 34.24% interest. That's like the worst interest I've seen on a regular credit card. That's insane. I want that gone. Okay. A contract, some installment loan contract. What is this? 35.64% interest. Okay.

It's even higher than this last one. What is this for? Oh my for fuck's sake. $5,000 borrowed. But you're paying $5,546 in interest. So double what you borrowed is being paid in interest. What is this for? Federal Truth in Lending. Oh, Act. Sorry. That's the bill for transparency. It was for moving. You make way too much money to have to borrow to move.

I was paying expenses at two houses for a while. Huh? I was paying expenses at two houses for a while. You make money. Great money. Man, you're $2,000 a month on bullshit. Yeah. How about we do that instead of borrowing away? I know. Losing double the money we're borrowing. Yeah, I don't want to see that. Ball, you're doing it. I just don't get it. Each payment would be $175.

Is it once a month, twice a month? What does it look like? Once a month. Oh, that's never going to be paid off. It's never going to be paid off. I got to get on a budget so I can pay it off. I got to pee. Okay. I'll be right back. I never have to pee. Ready to get back into it? Ready. So you just took this out then? Yeah, in June, I believe. Why did you take out like the highest interest rate loan you could find? Did you just search like howtofuckmylife.com?

I think they just probably, it's all based on my credit score, I assume. What's your credit score? I don't know, like 602 or something. I don't have late payments and stuff. Why couldn't family or friends help you move? I mean, I don't have many 50-year-old friends that are going to help me move. What about your kids? You know, one of them that you fund? Well, one of them was moving on the exact same day, this one.

was moving on the same day as me. Pick a different day. Well, yeah. What? I don't know. I just, it was easier to do for, you know, to hire movers. And that was also. Well, was it really? Cause now you owe $10,000 at 25 or whatever crazy interest rate. Yeah. So was it really easier? It felt like it at the time. Well, yeah, that's how the, yeah, you just, you don't see the delayed consequences of any of your actions. You were just an in moment person. Yes.

which is really going to come back to bite everyone around you because you're not going to be able to take care of yourself in retirement. And that is not fair to others. No, it's not. I worry about that. Oh, here's the IRS. I do worry. Yeah. You do worry? I do worry about that. I don't want it for my kids to have to deal with it all. But you've done no actions. So how can you worry and do no actions? I don't know. Because...

Around is more important to you. It's more important. Yeah. I mean, I guess at the time it seems like the right choice and a lot of it's doing stuff for others, but I don't need to. I don't have to do stuff for others to make them like me, but sometimes in the moment, that's what it feels like. I get it, but you do it in a smart way. You do it in a budgeted way. You do it when you're not...

You're going to die on the Walmart floor in your 60s because you just started to survive. Sorry, in your 80s. Yeah. Okay, IRS. 2021. Going all the way back to 2021. We're at the end of 2024 now. We're going back to the 2021. $23,000. $16,000 for 2020. No, we're going T! Come on! No! We're back five years. We've been paying, but we paid. Hold on. Did you pay 2022? Did I pay 2022? No, I haven't filed 2022. Oh, okay.

Oh, good. Yeah. Does your tax person know that? Yes. And what do they say? Because I didn't have one at the time. Huh? When did you get one? Just recently. And? And they know that I need to file. So we're working on it. Working on what is working on it? Getting all the documentation thing together. How are you going to file? How are you going to pay? What are you going to do? I'm just going to file and have to wait to pay.

Are you on a payment plan? I am. That's why 2018 was paid off. Oh, for f**k's sake. There was 2018? Yeah. Oh, my good death. What is the interest rate on this? I do not know. It's usually quite sh**. Without looking, I really don't know.

We're at $63,000 of unpaid taxes, but that's incorrect because you have two years, 2022, 2023, and we're going to have 2024 of unpaid taxes. Probably going to be like 120-something thousand hours of unpaid taxes, which is insane. Has the IRS not looked at you for these last couple years? Do you have no fear of an audit? No.

I mean, the no file these last few years. I don't I don't have a fear of audit because I I mean, I actually do keep my books fairly well. I paid them, but I do have accurate books and records.

You know, so I'm not worried about the audit, but I do worry about them, you know, coming after me. Yes, coming after you. But that's why we've been paying them. But you haven't filed for. Right. No, I know. Two years. I know. What? Yeah. So what do you mean we've been paying them? We're not paying them. We're not filing. Well, we're on a payment plan with them. For the ones you have filed. Right. Right.

Yes, not for the current ones. What's your payment monthly? $750. I'm going to die. I pay half of that. X pays the other half. Who? Who? Oh. So what, you guys are in the business together? Yeah.

Oh, did you guys not file? It's the personal taxes. Yes, yes, yes. And you guys would have filed jointly and did file jointly? We did file jointly. And we'll probably file jointly this year. You neither paid together jointly? Yeah. Is he making his payment? Yes. Does the IRS know if he doesn't, it's on him?

Or is it like, uh-oh, you're doing it and you guys have just agreed that you're going to split it? Right now, it's that we've agreed. Well, it will be in the papers. It will be in the divorce papers. What do you mean it will be in the papers? Oh, in the divorce papers. Yeah, it will be in the divorce papers. When's that? Is this a long-drawn process right now? No, because we don't have assets together. We don't have joint credit or debt other than IRS. The house that we were living in was his parents' house.

Um, we, but you bought, you said we did. We built a house in 2022. Um, we built it. Yeah, it was 20, 20, 21 or 22. I can't remember, but one of those, we built it. Um, and then his mom passed, my mom passed the same year. And then, um,

We had to take care of his dad, and so his dad has a brain injury. And we were going to sell his house, their house, and we decided our payment just kept going up and up and up. Property taxes?

Were you claiming homestead? Yes, we were claiming homestead. But I think that they just, you know how when you're buying it, they figure out what your escrow and everything is supposed to be, but they do it on unfinished property, but then they need to do it on time. That's the only thing. Our house payment went from $2,500 to over $4,000. Yeah, so we looked at it. We sold our house. We actually made a profit in just the two-year time that we lived there. But the house that we moved into is still in his parents' name.

So, I mean, it's not mine, but the profit that we made from our house together went into that house.

No, you guys put that money into the house that you didn't own? Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15% discount. And you get $100 in cash gifted to you right into your MooMoo account.

There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you. Well, he will own it, but his uncle was making the mortgage payments because his dad, I mean, didn't have the money to do it. He's on Social Security. And so we had to pay him back. Why was the uncle making payments? Why not get it under the uncle's name then, the title, or at least get him on it? Because again...

What happens when it was, what's in his will? And he doesn't have a will. Neither of his parents had one. Does he have any kind of anything set up? Okay. I mean, he has power of attorney over him. So I mean, who does, uh, my ex has it over his dad because he's disabled, but that'll create drama when the uncle's been paying for, well, we paid him. That's why we got everything caught up. So that was where the money went to. Cause we were going to sell the house and then pay him because the house has about 400,000 in equity. Yeah.

Is the dad living there still? No, the dad's in assisted living. If he has power of attorney, do you guys have an okay relationship in terms of doing things? Yeah. Okay. Let's get the pops then to sell the home. And if you guys are in a good relationship of communicating with each other, try to at least get...

what would have been half of what you got from selling the previous house. We're just trying to get your part of the money out of it. It's a very weird situation. Yeah.

But if they're willing to do that, we need to get – what was the profit? How much did you – yeah. About, I think, between $70 and $80. Okay, yeah. If we could get you about $30 to $40. Yeah, but I don't – I mean, that goes a lot towards – a big way towards the end of taxes. He won't sell that house. Who, who, who, who? Well, my ex. And his dad can't make a decision to sell it because he –

I mean, he's got major aphasia, I guess, so he can't remember anything. But your ex won't? I don't think so. I mean, he's paying only $1,700 a month to live there, and it's a $600,000 house. So willing to get any cash out of it?

I don't know if he can. To give you the $40,000. Well, yeah. Yeah. But is he willing to do that and then just give you that money? Maybe. He did mention it. He did? Yes. He actually mentioned that. Because this seems right. Because you guys should not have put money in the house, to be very clear. Yeah. Well, it was either that or we'd have to sell it. So we had to, at the time. Sell it.

Well, we were going to sell it. And that's why we decided to move in instead because the house payment was lower and it had more equity in it than ours. You still shouldn't have put money into it like that without you guys being on the title. Right. Oh, for f***s sake, what is this? What is this? What am I looking at? A monthly payment of $746 for what? My car.

Your payments are all over 100 so far. This is insane. I don't know how you're surviving. You're not. That makes sense. Oh, it's a lease? You have a lease? Yes. For how long? When's it done? 13 months. 13 from now? Yes. It may be 12 now. What's the value of the car by the time it's done? What does it say? I don't know. What's the buy? I think I bought it for between 40 and 45. No, no, no. When the car is done...

What does it say that you can buy it at? Oh, I think right now it's like 37. When I looked at it, like if I just wanted to buy my buy out of it was 37. Well, a full. So you're talking about buying out the lease and the full purchase of the car. Yeah. I would love to not have that payment. But what are you going to do when the lease is done in a year? Try and hopefully I'll be in a better place and I can just buy something cheap. My son's a mechanic, so he's kind of on the lookout for something. Yeah.

So he's been kind of on the lookout for something. $746 a month payment. This is insane. Yeah. This is insane so far. What? I just, I don't understand the things I am looking at. So this is another lease for something? What is this? Remaining early purchase amount. What am I looking at?

That was part of getting all the furniture for the house, for the new house. Yep. Because I didn't have the cash, of course. So maybe we don't get it. Let that be a new rule going forward. If you can't afford to get it, don't get it. You're not going to die putting a mattress on a floor for a couple weeks. No.

right when you slowly build up again you guys made the choice to do the separation now you have to deal with the reality of it as well benefits and negatives right yeah you're not in touch i mean you're making it happen but just borrowing it and your minimum payments are insane so what the wait it's a 247.62 cent a month payment or something

Wait, it's rent to own stuff you're doing? No, it's not. I don't. What is this? What is this? What am I seeing? How much is left? I don't know. I don't know if it says. Remaining early purchase only 600. Yeah. If I pay it off early, it's 600. If I wait, I think my son and I looked at this. If I wait and pay it off. Yeah.

When does the early option end? Oh, September 23rd. Oh, dismissed it. Is this done though? Did you pay it off? No. Oh, now the current balance is 2058. Oh my good. Do we know what the current payment is? Is it the same? Uh, yeah, the payment's the same. Why would you do this to yourself?

Why would you do this to yourself? Why would you not pay that $600? I didn't have it at the time. You spent $1,500 on just absolute nothing. Things that didn't matter in any way. What do you mean? Yes, you did have it. I didn't have it in my account at the moment to pay it. Yeah. Oh, this is definitely a situation. These companies make so much money. Let me tell you. Yeah. And you just allow them to milk you.

One of the items on here is an umbrella? Umbrella? That kind of umbrella, like... You needed that to survive! No, I did not need it to survive. Then f***ing sell it! Yeah, that's what my son's been telling me. Sell the stuff. You're gonna need to sell everything! Yeah. Oh my gosh, this is, this is, this is, this is... My f***ing... Yeah, sell everything. Sell f***ing everything.

Oh, good death. There it is. There it is. There it is. Oh, wait, is this, is this what I was looking at? Is this what I was looking at? Is this the same thing or is this different? Is this different? Is Akima different? Is it different than, I think that, does it say that? Oh, it's part of the same thing. I thought you had another thing. Oh my, oh my, okay. Good. Thank you. Oh my goodness. Yes. Why are you a depth talk shop?

Because if I can pay it out, it just is better. Huh? I just want to pay it out. What is pay it out? Like pay it out over time. You can't. Your minimum income is worse for you. Brain, write young. What are you doing on TikTok? I can be on TikTok. Stop. Why write your brain? I need TikTok just for brainless scrolling. Clearly brainless. Oh, good. But you're on there spending money.

Not that much. Girl, you're affirming it. This isn't even a firm. It is. You're affirming it. But that's for lots of different things. But Detect Shop is some of it. It is some of it. $282,000 in minimum monthly payments for a firm. You can't have a reasonable minimum monthly payment to save your life. I cannot disagree. Yet you do it. I don't know if the behavior...

The change in your behavior is such a monumental shift that would be required to get you out of this. That is a bigger shift than I've ever seen. Plus, so matured in life. It's different than a 25 year old changing what he's been doing for the last seven years. You're doing this what you've been doing the last multiple, multiple, multiple decades. You're right. I don't know how you're good. I can do it. I can do it.

Okay, I don't want to bring down the room, but with what optimism? There is nothing to suggest that you possibly can. I would love to hear why. Because it's a new time. Oh, good. It's a new time. All right. Yep, that's what does it. I'm going to be good. We all know that f***ing just like end of year...

No, New Year's goals always work. People definitely don't fall off in the first month. I'm going to have to calculate all the Affirm stuff in the end because this is so much. We have 1840. What do you mean? I'm buying on Amazon. I don't know. That's the bad part. Let me see your phone. Let me see that Amazon app. Let me see. Let me take a little sneaky sneaky. He's got it. Okay, so total Affirm balances...

Which I'm going to kill myself from. I think it's the 1840 that's up there. That wasn't. It's 1840, 19. And the minimum monthly payment is what? 282. 282. Absolutely ruined my entire life. And you're going to keep growing it. You're going to keep growing it. So this is going to become bigger. Let's see. Klarna. Oh, good. Klarna. We're getting them all. We're getting them all.

I swear. Who knew there were so many? I swear, if I just had no morals or emotions, I swear. Should have just started a company like this. Anyone will sign up for them. Anyone could start one of these companies today because anyone will sign up with them. The moment you're out of these little microloans that you're able to take out, you will find the next one. There's an infinite loop of these. Just start one. Put a predatory interest rate on it. Gosh. Billionaire overnight.

everyone will just borrow endless money but it's disgusting i would never offer this is crazy internet's not working i don't think so i don't know if it's i'll get you on wi-fi okay i thought i was on there oh my gosh you're on snapchat too i'm yes impressed and terrified am as on can i do a screen recording we'll bleep anything private yeah

Oh my, you're getting a million emails. I'm putting it on sleep mode. I had it on do not disturb, but. Oh my gosh, you're getting like 50 things that wear to your body. What are they? I don't even know. Shave wear for a wedding that's coming up. What, you have to have three? No, I'm going to send back the ones that don't work. I got underwear and power strips and under desk things, multiple dresses, a teapot, a

Very needed to survive. Dog bark deterrent? Yes. You haven't met my daughter's dog. Your daughter's dog? This isn't even like just a horrendous neighbor that doesn't know how to control their dogs. No. This is my daughter. How does this impact you? I probably have to ship to her. I know. What? Is it just barking all day every day? He barks a lot. What kind of dog? A lot. A Chowini. Oh, gross. Gross.

No, I love them and probably give them a lot of pets, but you're right. They do just bark. I can picture it. More dachshund than... Just picture that. Yeah. Root powder extract. Not trying to out your whole existence right now. You get so many things to wear. You're wearing everything. But I get a lot and I send it back. Okay. Well, a lot of these were... I kept one dress. I mean, some of these are in August and I didn't see anything returned yet. No? I saw one thing returned. It was a book. Oh. You also get...

Holy s***. Hold on. Son, close your ears. What are we doing in here? What's going on? Well, it looks like I have some books to read. What are we learning about? It's for one of the classes that I'm in at church. Christopher Yon. What are you writing about, you naughty little guy? No, it's not that kind of book. It's a Jesus book. The word s*** is in the title. It is, but it's also got holy in there. Where do you think you're not?

That's what it's for though. It really is. It's for a class. I am addicted to books. Okay. Libraries. Yes. You live in a large town. Yeah. You just, you get books and you get clothes and it's books and clothes and books and clothes, books and clothes. So yeah, maybe we're not doing all that because you got libraries, you got things. I actually live just a mile from a library.

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Okay. I don't even know what your minimum monthly payment is. What are they? TikTok shop loans through Klarna as well. Nike, TikTok shop, nudes. Nudes. Nudes. I didn't want to assume. Abercrombie and Fitch. I think that one's paid off. I think some of them are paid off. They just list them all there. But Nike, yes. That was the most recent one. What's the minimum for Klarna?

So it must be 310. You must be close to paying off other things really quickly. Oh, okay. Balance is on there. Some of your balances and collections? Of what? An emergency visit? What is that? An emergency visit medical bill. Why? Why not? You make so much money. I get... I have no idea why you're taking out...

debt for things and allowing things to go into collections if we're doing smart leverage i understand some things but you make way too much money to be in 35 percent debt for stupid things and allowing things to go into collections yeah when i get a house you're not going to do that with collections right so what why was this not paid it's only a thousand four hundred seventy one which is a lot of money but again you make a lot of money because i'm paying the minimum on everything else

that you chose to get into none of this has been just for the irs exists because you went out and spent a bunch of money you don't have on fun the moving things exist because you didn't have an emergency fund because you're spending all your money on fun all that other stuff was just spending money on things you didn't need furniture and fun and fun and fun and uber eats all that type of even when you get a reimbursement you then just go and spend it instead of putting it back in your card so the only reason you have those minimum payments that mean you can't afford this because this

money on fun for someone who spends so much money on fun you think i would have more fun you probably have a ton of funny don't know what it's like on the other side to not have the fun no because you're just living life dude it just doesn't feel like it well well do you probably just have an endless like cap you know you get used to every life you're living in after what like six months or so no matter what life you're living you get used to it no matter how bad and good it is

It just becomes normal. So you're always going to be chasing that extra high, that extra fun. I want my next high to be not having to pay all this. I want it to be retirement. Oh my good death. This isn't... People... Statistically, some people... Yes, a decent amount of people hold student loans into their 50s, but...

You have so much. And you're just a consultant. Consultant's a great job, but I just mean like you're not a doctor or a lawyer. What's your degree? I have a master's.

And I have a bachelor. So bachelor of arts, master of jurisprudence from. Of what? Jurisprudence from Loyola Law. Okay. So it is in the world of law. It is. But those are not all just mine. When I was married the first time, we consolidated our student loan debt. Oh, good. And of course. So he's on it and you're on it? Yes. Who's now making the payment then? Because there's two sets of student loans in here. And guess what?

They're past due. Yes, one of them is. Both. Well, the ones with- You may have corrected one, but at the time of this, both. Oh, I thought just Nelnet. Oh, both of your Nelnets. Oh, there's a Nelnet and a Sloan, right? Oh, good death. But yeah, no. Oh, good death. Well, because they made Nelnet sell them. So they have personal, they have private, but yes. So part of that is my ex-husbands, and part of it is some that I took out for my daughter. How much is yours? Oh, for you.

Parent Plus? Yes. For one semester. You know, I am either pro or anti, just depending on whatever. Was she working? I think it was her senior year. And was she working? She was working some. Yeah, she was. She couldn't qualify for student loans? She got one student loan. And that was the cap. And that's just what she got. If she was going to have to get student loans, she wasn't going to finish. Because they saw...

She didn't want to get her own student loans. Oh my god, that doesn't mean you take out student loans. She needs to eat some shit for a bit. She really does. She needs to learn what it... You need to actually put shit into this world to get some. Like, that's...

What's going to make her become a decent person in the world of these economics? Yeah. So that's why the student loans are crazy. And I didn't know the one was behind until I went to print this out because they had been in forbearance and all the things from...

I don't know because one of them is in for bankruptcy because I'm waiting on the separation. So they are going to let us separate consolidated loans. That's coming up. They're supposed to be passing that law. So they've got it. Regular minimum monthly payment on this alone was $858, but guess what? We're past due by two. Yeah, that's the one that my first husband pays half. So half of that is his and half of it is his. And is he paying or are you not paying? Where's the issue? No, it's both of us because I didn't know until I printed this out.

I didn't know about this one. No, what do you mean? They announced last fall, 2023, that student loans were starting again. No, but they were still in forbearance because of the separating the spousal consolidation. Okay, for how long? I thought they were still, and that's when they separated it. So how I have two Nel Nets, one of them, you can see it doesn't start until September 2025. And then the other ones. This one's due in 13 days, the next payment. Yep.

So. Okay. And I don't know the interest rates. I didn't get that page. I think they're in the six, six to eight. I think. Not even the versions. Why are they in the threes? And I have a Nelnet. Wow. $134,621.62. Wow.

We got official word from the daughter, by the way. We're going to give her a call in the post show because this one's already running long, and I legitimately don't know if we're halfway through the paperwork. So we're going to give the daughter a call in the post show. She wasn't able to make it into the studio, but I'm going to give her the real deal. She can accept it or not, but she needs to. 99 cents. And then I need you to actually stick to it and not give in to wham, wham, cry, daughter.

Our emotions and all those good things. And it's never even like that with her. She doesn't call and say, it's not even her calling and saying, can I have some money? Sometimes. Sometimes it's that. But sometimes it's just, well, I don't have money for this or I don't have money for that. So in her defense, it's not always her asking. Sometimes I just take that step. Nope, nope, nope, nope, nope, nope, nope, nope, nope, nope, nope, nope, is the new rule. Next on that. What the f***?

well what are you talking about wait is this just an old statement it says current due was in march of 2022 says current statement due date in march 2022 i consolidated them like i had a bunch of separate ones and we consolidated them do we even know what's happening

I'm still trying to figure that one out. That is the one that is showing now that it's in forbearance due to spousal debt separation. Oh, is that why the due date's later? Yeah, they're two separate accounts. One's federal and one's private. But you have current amount dues. But it doesn't say. Does it say current amount due? Yeah, $1,164 with a regular monthly payment of $582. Does it show past due? No.

Yeah, 582. Okay, then I don't know about that one. My dude, what are we doing? Yeah. My absolute dude. I'm going to send you to probably the advisors that domain money that we work with. It's going to take hours just to get knowledge in your situation. This show is good for many things. For something as extensive as this, we just simply don't have the time.

My employees are going to want to go home around at least five to six. At this rate, we're going to be here till eight. There's a lot. The people over at Domain Money are great. They're great. Okay. We have their information in the description if you want to check them out first, but we can get you connected. I actually went through their whole process myself just out of curiosity and seeing what they thought about my situation. Okay. Okay. So student one, student two.

So this one's at 82,000. No, no, no. Wait. Hold on. Actually, this might be the same because this was the statement date of

Of February 29th, 2024. Did you send us an old statement as well? That was the last statement that I had from Nelnet for the Sloan because it's in forbearance. Oh, so this is just an old statement and now it's in forbearance. Okay, so $82,298 on this one, but it's probably in forbearance. This other one is live and up to date. The first one we talked about. Okay. Okay.

Venmo. You owe money to Venmo. You have a Venmo card. Venmo card. You have every millennial and Gen Z product. Like you should be a PayPal girlie. Yeah. Yeah. And that one's a business card too. It's in the, it's in. I need to take Google away from you. You cannot have access to, please get me debt. Cause that's just all you do all day. You wake up and that's the first thing you type into your phone.

You're just like, if you don't type that in, you have to go into shock or something. Maybe. Take out a debt every day of your life. Because for Venmo, you have $6,364.77. This is insane. How much debt do you actually have? You have $396 of debt. And none are an asset as far as I think. Because the least you don't even own. Oh my, it's almost a half a million dollars in just debt.

Oh my good f***. Are you okay? Oh, f***. No, this is, I just, I want a path forward. I do too. Just don't know if we'll have it. $209. This is your minimum payment, 26.47% interest rate. Wayfair, Wayfair, Wayfair, Wayfair. This sh** is sh**. Wayfair, you really need every f***ing debt that exists. Every debt that exists.

Good death. Good death. It at least looks like this one's paid off, usually. Usually. It's not. What's the balance? What's the date on this? Oh, good death. I don't know. I had to purchase this $131. Well, I went to Chicago recently. Okay. Notorious going to debt town. I used that card for some things. How many...

How many of some things? It's only a $1,000 limit, so I know it wasn't more than that. So it's at $1,000. No, no, it was probably a $500 or $600. Okay, $600 for Wayfair. Kill me now. It said a $29 minimum monthly payment on here. It's probably higher now. I'm going to put $50. Good. Good. Geez. Fees and interest this year so far. So, yeah, you don't always pay it off, and it's 32% interest. Home Depot, we're all suspending.

You seem to be on 0% plans here, but we have fees. Okay. $752.77. The minimum monthly payment of $29.75. Home Depot purchase, $27. Seasonal garden. Great. We got a plant. We've had interest accruing. Hold on. Oh, okay. The interest deferred. Do we even know what's happening on here?

Yes. What? The deferred interest. Uh-huh. That if I don't pay it off within a certain amount of time, then all the interest is going to come up front. Uh-huh. Or it's going to come due. Yes, I've got a couple like that. I just don't understand why you do this to yourself. Expiration date. Oh, f***ing like three months. Okay. Barclays. More purchases. $118 of purchases. $13 of interest accruing. Oh, f***ing.

What, thick stack week or whatever we're calling it is just... This sucks, man. The reality is, who gives a shit about me going through paperwork? This is like your actual life. And I just, I can't, I... How do you sleep?

Do you sleep well? No, I don't. Stress? Yes. Stress, worry, all the things. After going through what we went through when my husband's mom died, it was like this. And I don't want my kids to go through that. I don't want to leave a mess for them. How's your health? Good. Do you smoke? No. Good lad. It's a rarity for this show, unfortunately. $538.72 is owed on here.

purchases, interest, $29 minimum payment, two years to pay off the way you're doing it, local table. You went to a restaurant. Yeah. $118 at a restaurant. It's like we don't care. We don't give a shit. If you actually want that for your kids, then put in some fucking work. It's time to grow up. Amazon.

Great. $926.22. Minimum monthly payment, $35. On these Barclay cards, what they do every month is they'll lower the credit limit, which I get what they're doing, but they're just screwing my credit score even worse. I don't give a f*** about your credit score. But every month they lower it by like $25 or $50. That's probably good for you. Yeah, it's probably not a bad thing. You don't know how to spend. You don't.

We also might connect you with the people at Relief App as well to see what they can get for any kind of debt negotiation. It's another one of our partners in our resources section. It's just like, because that might be your only option. It's like either we have debt negotiation or we have bankruptcy or we're just... What are your thoughts on bankruptcy? I don't know if that's where we are, but what are your thoughts on it? $400,000 of bad debt without any assets as far as I know yet.

What are your thoughts on bankruptcy? Well, most, a lot of that too would be student loans. So we couldn't put that through bankruptcy anyway. Right. The chances it's so minimal. Yeah. So, I mean, I, I don't, I don't have a problem with it. My credit's already, you know, screwed. If I'm going to buy a house, it's going to be several years from now. So if I got to do that, but if I can pay it off, I can figure out a way to pay it off and let's,

Do it. You have a carnival card, like the cruise ship carnival card. Yes. I've never seen that in my life. And I've had some crazy finances on the show. Yeah. I've had that one for a while. Good. Oh, good. That one's a. It's at $4,447.

And 52 cents. Minimum monthly payment of $118.61. This is insane. This is insane. This is insane. Interest charge, $73. 17 years to pay off. 17 years to pay off. $700 in interest this year so far. I mean, you've easily had over 10,000, maybe 15,000 hours of interest accrue across everything this year so far. You had to have, especially if you equate in the fees with the lease that was baked in from the beginning. Good death.

B&H? Why do you have a B&H card? For when I started. I don't even have a B&H card and this is like the company that should. Yeah, well, because it's also for like printers, anything that I need like for work. Get a printer! They're a few hundred dollars! Yeah, that's what it's for though. But usually with that one, I don't usually pay interest. They're almost, I think, always deferred interest and I do pay that one off at times. Every time? How many times?

35.99% interest rate, by the way. No, I mean, I don't use it regularly. Plan expires in four months. Are you going to do that? Are you going to be able to pay it all off? Yeah. I mean, I should be able to. Okay. I'm going to break it down in four. Look at all this fucking confetti. So you can make $135.75 towards it on a monthly basis. Well, we'll see. I mean, I should be able to. So it's required if you're going to do it.

Oh, I need to get your son in here on the post show, see his assessment on this situation since he's a part of the Ramsey side of things. And we need to call your daughter. You cannot be sending her any money just because now you can't afford it. Even if you're just helping her, you're doing her even more of a disservice because you cannot afford it and she's going to have to take care of you. So it's like now it's just completely different. I mean, this is just stacked so beyond Capital One Business, $1,443.53. Yeah.

A minimum monthly payment of $52.

Interest, $37. 15 years of payoff. All these take multiple decades. 29.24% interest rate. $336 of interest accrued. Okay. Back to Capital One again. Capital One OG, $3,406.91. Minimum monthly payment, $116. Please, guys, if we can start adding up these minimum monthly payments because it's going to take me a year to add at the end.

Okay. $82 of interest accruing. Interest this year so far at a 28.15% interest rate. Let's see. $663. The money you just lose. You just lose so much money because of your impulsiveness. Yeah. Oh my, more Capital One. So this is a Quicksilver. Do you have an addiction to Capital One? Is that our new partner? No, it's my bank.

But... $2,637.10. $93 minimum monthly payment. $64 of interest accruing. $464 of interest this year so far. 28.15% interest rate. Oh, CareWell?

because the care well care card care credit care credit yeah yeah okay so medical stuff why don't you get a payment plan with like the hospital or is this to the insurance was it in to the insurance um no it wasn't to the insurance it's it's been there forever but it was i don't know if the hospital offered it so

I mean, I guess they do. Yeah, because there's always a way to make money. $3,839.12 is the balance. $80 of interest accruing. $140 minimum monthly payment. Takes 14 years to pay off. Oh, my good. Hold on. There's a promotional balance. Okay. Until paid off. Which has locked you in at 18.9% interest rate. Oh, no. Most of it's at 26.99. Never mind. $941 in interest paid this year so far.

thousand on this alone chase inc we got one of those oh my well you do it the wrong way yeah seventeen thousand two hundred seventeen dollars and forty nine cents yeah they'll give you big balances

Big limits. You got a limit of 19,000. We got a limit of, I think, like 90. I just opened it the other week, but we don't, obviously, I'm a credit card person. Right. Disciplined, but just seeing you with this is like, so that scares me. Yeah, they gave me both of those chase cards at around the same time. Or not gave them to me, obviously. I applied for them, but I was very surprised myself.

$562 minimum payment. Interest accruing of $390. I just wanted to wake up today. Wake up. Come into work. Get AC installed in a new room because it just doesn't warm. They couldn't do it. They couldn't do it. They're not going to. He told me I'd hear back by the end of the day to see if they could actually come back because they figured it out. I haven't heard anything. The dog's at the vet. And that's just been chaos.

lunch. I just ate an apple because I'm trying to survive. I just wanted to go watch the vice presidential debate tonight. Get a little bit of food. Don't spoil myself with a massage because it's been a stressful few weeks. Eat these few things and go to the vet visit pair. I do all these things. And we come in here. We come in here. We do all this. This is stacks of paperwork and we're not

What are we? Two thirds of the way through, maybe. Maybe. Two thirds of the way through. What have you done to me? You've just you've assaulted me with paper. You've destroyed the Amazon rainforest. Now, to be fair, I didn't destroy the Amazon. You sent it, girl. And you got in that debt. Yeah, no, I laugh to keep from crying, but I don't think it's funny.

Interest charges here so far on this card alone, 3,176. 3,176. 3,176. Which card? Ink. Ink. This is your version of tattoos, the ink card. And all the interest accruing on there. Yeah, that's my scary ink. It's just like your prison teardrop is all this. City double cash. I love the city double cash. City double cash is great. Of course, you're probably not utilizing it, correct? Nope. Yep, correct. Who would have thought? Ugh.

Okay, balance $2,683.43 with a minimum monthly payment of $94.81. $67 of interest is accruing. 17 years to pay. Interest this year so far, no idea, but probably a ton. I don't have a second page. Catapult? You have things I've never even heard of. What is a catapult? It's more furniture.

You gotta pull it into someone else's house where they give you money for it. How about we do that? - All right guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every single month. - Oh good, no way. Your couch? Hopping? - Yeah, places I like stay at for the job. - You're relying on bookings for a place to live? - Yeah.

Also, three post shows a week for every financial audit you're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama that we didn't uncover in the original episode. We can't find you on Facebook. Did you block me on Facebook?

No way. And then included in the membership, every Tuesday, we have a member live stream where you come in, you hang out with us, we answer your questions, and the whole crew gets together. We play games, we mess around, and we chat with you. I have a pair of salmon shorts on that desk. We're going to change into two right after this. So you dress like you've smoked no for the first time when you go on a date? He's first grad. He's first grad party. Yeah.

Then there's always extra bonus things like, for example, an office tour. The team grew. We have to eat out of here now. So this was going to be the fun area. Now it's not. We upload hours and hours and hours of extra content just for you. And it helps support the growth of this channel and the growth of this business. Join the membership. Link in the description below. So how much is... Hold on. Which one's Catapult? Is this Catapult?

What are we doing? Oh, I got description number one. And then we skip all the terms. Good, because we don't need to print all that out. $80 weekly payment. $80 weekly payment. A weekly payment of $80 averages out to basically $1,051 a month, taking all the weeks in the year. It's been an hour and a half. An hour and a half? Yes. Okay. So anywhere from $3,039 to $6,308, just depending when you pay it off. I mean, that's just...

Crazy crazy crazy crazy crazy crazy crazy because it's at a billion percent interest rate. Oh cool's card sure throw it in Throw it in I to two thousand seven hundred thirty one dollars ninety five dollar minimum to payment interest sixty eight dollars It's at all the interest rates for basically five hundred dollars in interest accrued this year so far a living spaces card

Yeah. Because you filled every inch of your house. Well, no, that was the other house. So I'm still paying on it. Furniture that I don't have. With interest? Most of these places are like interest-free cards and shit. Oh, no, they did it. And then all of a sudden I'm over the limit now because all the interest came up. $162 minimum payment balance of $4,402.61. Stop it. Stop it. $17.00.

Sorry, 17 years to pay off. Interest rate of 30%. Probably interest accrued this year so far a million. Who even knows? I don't have the page. Oh, yes, I do. $2,000. Yeah. Yeah. The deferred interest payment. So what have we lost? $20,000 in interest this year so far? $20,000 that you could have had. You could have had. Gone. Oh, my gosh. I just got the number for your minimum monthly payments. It's a first.

Has to be a first that it is that high. That does not include a mortgage. Oh, that's the same. Why do I see Mercedes Benz? That's the lease. That's the lease. So the one we've already went over. Yes. 746. Yeah. Thanks. Get us there closer. Nordstrom.

Don't go into a Nordstrom. You can't afford it. It's the anniversary sale. I'll copy what this guy's program says. The only time you say the inside of a Nordstrom is with your work in there. Okay? Okay. Yeah. Balance $2,070.96. Entrances accruing $56.77 of minimum monthly payments. Nine years to pay off.

31.15% interest rate. Basically $500 interest this year so far. You know, for what it's worth, this is what most people come in here with. This. That's not even a joke. So I came to the right place? I don't know. I don't know. You can help me. Dude. I have faith in you.

It's not about me. It's your situation. Yes, we can get you cut back all the way. We need to figure out your budget at the end, where your expenses are. Who knows? If there's things that...

PayPal credit. What do you owe? You just refuse to owe a little bit of money. $2,739. Always basically at the credit limit. Minimum payment of $97. I want to punch. $70 in an instance of interest. We've had fees this year. Almost $1,000 in interest this year so far on here alone. And a 29.24% interest rate. Oh my goodness.

Q card? What is the Q card? Again, brand new cards. I swear, you just new cards that have never been seen. No, that's QVC. QVC? I'm old. It's obligatory. But you are a generational debt. You have all the new debt and all the old debt. I'm like Lori from Shark Tank. I don't know. Going into debt for her? Listen, 30 years ago, I would have gone into debt for her.

I don't know Lori from Shark Tank. Oh, that's okay. Q card. The minimum monthly... What am I even saying? $1,298.13. That's your balance. Minimum monthly payment of $50. L-O-R-I. Lori. She's the one that did like Scrub Daddy. Oh, okay. She did the Scrub Daddy deal. Okay. Okay. Love that show. $36 of interest recurring. Eight years to pay off.

32.24% interest rate interest this year so far 233 oh whoa that was the end of the debt unless is there more debt that I have not talked about I think we're missing one what is it I recently had to do a loan because I had to travel for work

You said it gets paid for. It does, but not ahead of time. And then you never pay it off anyway. You just spend it on you. Anyway, so I guess it was like a payday loan is basically what it worked out. You are $50 a year taking out a payday loan? In what world? What? Tell me. I freaked out because I wasn't going to be able to do the trip for them. And I was worried I would lose the client.

So, yeah, I don't know where that one is. What? What? What is it? It was $6,800. And with all the interest and everything else, it's going to end up costing me like 10 something. I owe $4,200 on it currently. $128 a day. In payments or interest? In payments. $128? Except for on the weekends. It's almost $2,500 a month. That's just...

What's the balance? $4,200. But it's going to be much higher? No, no, no. In total paid? You have to pay it. Yeah, you have to pay it. Even if you pay it off early, you couldn't pay it off for cheaper. So, yeah. Yeah. So, I owe $4,200 on it. I think I have about 90 days left. Gosh. Maybe. No, not 90 days. Probably 45 days. You have every loan. Yeah.

That has been invented besides the little shark guy, the loan shark. You have every loan but the loan shark. Unless what's the loan shark loan? You must have one. No, I don't think so. You capture every loan. It exists like they're Pokemans. No, I think just the payday loan was the worst one. I'm so scared for you. Yeah. Did we? Is that including out in the minimum monthly payments? $2,500. $2,500.

It's $128.35 a day except for on weekends. Except for weekends. Yep. This is so... What have you done to your life? I'm sorry. I don't mean that as like an insult. I'm like, just like, what have you done? Oh my gosh. I wonder what he is thinking. Oh, I cannot wait to get his thoughts in the post show. If you were my mom, my heart would beat. I don't even know.

This is almost like tragedy levels. Yeah. I don't even know if you know how bad this is. No, I know. Do you? Look at your spending. I think I do. We're about to go through your spending. If you knew how bad it was, you're selling money. You're selling money. Door dashing. Jack's Fight Clubs. World Market. Hula Car Wash. Chicken and Pickle. Klarna. TikTok Shopping. Great. Academy Sports. Car Wash. You're going to get Car Wash every second of your life. Baskin Robbins. Amazon. Amazon.

Agrocombi and Fitch, TikTok Shopping, Amazon and Nike and Amazon and Amazon and Nail Spa. Get in our nails, dude. High and single. Ready to fuck McDonald's. That was my daughter.

She also has my DoorDash account. No, no, no, no. No, she does not. No, she does not. TikTok shop, Amazon. No, she does not. You don't have money to survive. You're taking out payday loans. You're taking out payday loans. Your daughter does not have access to a credit card of yours, nor does she have access to a DoorDash, nor are you paying for her car insurance. She can be a grown adult who makes an adult salary, a good out of college salary, and she could be a adult.

Airports. Spending. Zelling money out. Courtyard. Courtyard. Amazon. Amazon. Wayfair. Amazon. Bahama Mama. Smoke shop. What is that? Gummies to help me sleep. Have you talked to a doctor? No. Well, I mean, about not sleeping. You might be treating something you don't know. Yeah. No, no. I mean, I have talked to a doctor in the past for the sleep stuff, but nothing's really ever helped. Your mom's a f***ing druggie.

I learned from the best kids. Where do you think I learned about that stuff? It's okay. I'm pretty sure half my employees basically do like Amazon, Freddy's, Amazon, Amazon, nudes, Amazon,

Just because you're sending a lot of hot young dads fresh nudes now that you're single doesn't mean you need to be going into nudes and spending $42.65. Zelling out money, zelling out money. Netflix, Hulu, Hulu. Karna, TikTok shop and QVC payment. And Pooh the Rescue. Nike. Rock and roll at Peak Road.

I think those are the, the joint one is not. Yeah. Good. Our capital one pink. Ending balance negative. Yeah. I don't know which account it is, but that's definitely possible. I don't know, but you went to Red Oak Kitchen, but you're negative in there. No. Okay. That one, that one is actually my ex's account. Nope. She took the, he took the joint accounts off. I don't know what Red Oak Kitchen is.

He knew you were going to say that because he preemptively typed it and highlighted it red. He knew you were going to say that. No, I really don't, though. But I believe you. Red Oak Kitchen. I believe him and all the f*** he smokes on a daily basis. Yeah, overdraft fees. I don't think we're surprised. Oh, but don't worry, guys. We have a dollar in Webull. No. The world is saved. Retirement. Oh, it's happening. $131 in SoFi. You know I love it.

And then $35,000 in our retirement account. What do we want you to be at at this point? Your yearly income? Probably like over a million just based on your income specifically. And the good thing, I would say, the good thing about my income is that I can, I mean, there are months when it's better. Like this month I made $7,000. It doesn't matter if you don't set any money aside for taxes. Right. I know this.

You know it, but you don't do it. Well, I know. So do you say for taxes first? Do you start paying off the debt first? IRS comes first. IRS be scary. IRS can come f*** you. All right. Okie dokes. Yep. Okie dokes. I have a pen somewhere. It's scattered in the mirage of insanity that this is. I don't know what happened to it.

I assume if I throw this, I will hear a thud of a pen at some point. I found it. Your rent was what again? $25.50. If she needs to get another job, your daughter, I will be nice for one thing.

Because you guys already got your shit figured out. I will gift her a course career certification if she wants to go on there, take their quiz, figure out what's best for her for what different side jobs and stuff. She can get certified in something. She can go make more money if money is her problem. Say your rent again. $25.50. Is that including utilities? No. How much for all utilities including internet? I'd say probably $120 for electric, $30 for gas. $30.

Internet is 71. And water is about 80. 301. Gas, vroom, vroom, drive, drive. Just you. I think we came, I think we looked and said like maybe 250. Car insurance if it was just you. Well, I have them separate. Okay, what's your car insurance? My car insurance is 292. How much is hers? 263. Stop it. Fun fact, your debt minimum payments, $8,221. What?

$300 for groceries, follow our meal plan, tweak it to your needs. $100 for TP fund, this is anything else you need. Nails, all the good stuff. Okay, gym. Are we gyming? Medical, any ongoing medical expenses on a monthly basis? I mean, I have a prescription, but I actually just got a call on the way up here because I had a bunch of biopsies done because I have...

basal cell all the cancer stuff um so you said you're healthy i am healthy but i do have to get my skin i get my skin checks okay yes so but they and i just went it had been two years since i'd been so i have to go have a procedure and i know it's going to be even with insurance probably a couple thousand dollars okay but not no no ongoing medical bills no ongoing it's ten dollars a month for prescription phone bill if it was just you

Because it's about to be. If it was just me, I don't know, maybe $150? Do you own your phone or do you owe on it? Oh, I owe on mine and on hers. When you're done, switch to Helium. $15 a month, I think. Same towers as T-Mobile. Okay? Saves you money, but you have the phone. So you said like $150? You need to pay it off first. Yeah. I know they have something like a special application that you can win where they'll pay off your phone, but...

pets they have pets yes how many one what uh he is a black lab pet insurance no i don't have pet insurance get it okay guess what would you like to guess how much my vet bill has been at the emergency vet for these last couple weeks five to ten thousand thirty oh get pet insurance you can't afford it you can't afford it okay i can't afford it i will hopefully find out soon but if i did not have pet insurance

That's a lot of money. Yeah. Luckily, pet insurance helps a lot. Does it? Oh, yeah. Okay, good. I'm putting $25 in there for you, I think. How much for dog food? $70. Our furry pets are expensive, and they love to do dumb stuff. She had a little part of a toy. Little part of a toy. That's all it was. That's all it takes. Boom. $30,000 if you don't have pet insurance. Oh, my gosh. Boom. Yep. Luckily, the vets have been incredible and everything. Yeah. But still...

You never know what they're going to do. And you're not just going to let them suffer. No, I know. It happened with my daughter's dog. Exactly. So have the money or be just prepared. Anything else I need to put in your life? Ongoing. We got car insurance. Obviously future taxes. Yeah. Because you will have to file for the last couple of years and this year.

I know there's a couple of subscriptions that I have for work, like Adobe. Okay, well, you can write those off. Yeah, don't worry about those. Adobe and QuickBooks. What are your business expenses? My business expenses are low. Okay, what? I mean, $100 a month. Cool, I'll minus that. I mean, not deducting internet and all those sorts of things. So you make about $10,500 after you set aside money for taxes. I'm going to say after business expenses, you make about $10,000.

Let's see how much you need to survive. I think we're about to quickly find out why you are not paying taxes. You say I can help you. There is just a math reality and we've already surpassed the math reality. Fun fact as you probably already knew. And that's not something I can solve with a magic wand. It is going to be a few options that you can do.

And this is without you giving her anything, by the way. Oh, there's also tithing. Sorry, I do. That's on there. That's $400 a month. Okay, well, fun fact. I mean, without that, it costs $12,269 to live. Saving money for taxes, you can't. And even if you're not saving money for taxes, you barely can.

So you're not. Yeah. The tithing thing, isn't that all? Isn't it more about if you can? Like you can't. Your payments exceed what you have. Tithing is supposed to come first. First, the first 10%. I'm not doing my 10%. So the tithing is, I'm not doing 10% because that would be, I mean, a thousand bucks a month. What did it say in the sex book? Did it say, did it say if you could afford it?

No, I, I, my understanding is that you do that first. So if you end up going, if you end up going bankrupt, God will provide for me. Okay. I guess that's the thumbs up. So go bankrupt. But I will. Once this, let me say this. Once the, the payday loan is paid off,

That's going to open. That's going to make a big difference. I know that was just still going to be behind by, uh, uh,

Because that's $2,500 a month. Yeah, you're going to still be behind by $5,000. It's better. Sorry, sorry, sorry, sorry. $3,000. Yeah, but that should help. You're going to be behind by $3,000. It means you need to go make an extra practically $5,500 because you're going to have to set money aside for taxes. Yeah. So that's your solution is just to break even, you need to go make an extra $5,500 now. Actually, about $7,000 now because of the pay-a-day loan. You need to go make that extra money and set aside money for taxes. Yeah.

That's the immediate action. Or honestly, the more realistic. Dude, we went through 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31 deaths. We went through 31 deaths. None of them small. Only one under 1,000. Now, there's a four under 1,005.

$500,000. Everything else is over $1,000. Many over $10,000. Yeah. So like today. And then include the tithing and you pretty much have to go make an extra $6,000 regardless of the payday loan. $6,000. Oh.

And I do have one client, and I know this irritates him, that I haven't billed in several. Bill. Billed in several months. Bill. I know. How much? I'm going to guess that they probably owe me about 15 by now. Bill. Yeah. I wish that even made a dent in your situation. You owe $400,000 in bad debt. Not if it's good. It's not a single debt in here that's good. No. Why haven't you billed them?

Just their billing system. And I've gotten used to it. There's no excuse, really. I mean, I just haven't done it. They're a new client. And so I've had these others for so long that I'm like, this is what I'm used to making. I just need to do it. It's been just going in and doing it. If we're going to do the timing thing, which I just, okay, okay. You know, that's just a part of you and your life. That's not something...

like a credit card or something. It's not something that we can just take away. That is a part of you. It would be impossible for me to have a real estate conversation around that. You need to go make the extra money. If you're going to tie $500 a month, you need to go make an extra $500 a month. It's as easy as that. Okay. Okay. You're just going to have to go make it.

And I got, like today, I had an extra project this month. So I had an extra $7,000 this month. Which is great, but that needs to be every month at basically a minimum. Because that needs to be every month at a minimum after setting money aside for taxes. That's still only going to put, like, what? An extra $1,500 towards taxes? Okay, cool. Or an extra $5,000.

an extra $1,500 towards our debt. Cause I was only trying to get you to break even. So, okay, cool, cool, cool. An extra $1,500 towards our debt. Let's see. Let's just do a little math. It takes you 266 and a half months to pay off your debt in that case. Um, okay. That takes 22 years and that's without contributing an extra to retirement. So all of a sudden that gets us to 72 and we have, um, basically no retirement. Um,

And but at least we're debt free finally. Like that can't be an option. No. I think it's bankruptcy. Yeah. I think it's bankruptcy. It's bankruptcy or your business essentially doubles. Yeah. And there's not enough hours in the day. Can you bring someone on?

I don't know how the structure of yours works, but I don't know if there's not enough if there's not enough hours in the day because there is so much business, then usually for a business that suggests then it is time to bring on someone else because they're able to provide more value to the company than they suck. Yeah, no. And that's that's a possibility. I mean, it definitely is. It's just going about it because if I hire someone, they're going to want to make about like what I make if they're at the right level.

I need you to start having some conversations. Conversations with one, collecting that billable hours. Two, with the ex to try to see if you can get your money from the sold house. Three, might want to just talk to a bankruptcy advisor and bankruptcy lawyers just to see what your options are around there. Three, sell everything, everything, everything. But that's, again, all these little things, they still don't even put like a dent in it. Even if we're fully following the method from the boy over there,

You're selling everything, going crazy, everything. You'll probably make a dent of like $100,000. Even still, it's just $300,000, which is going to be so... You're so far behind in retirement that I almost need that to be your focus. And even bankruptcy, how much is going to be discharged? We don't know. And then there's the student loans. So it's just like... The student loans are 25 years that I've been paying on them. Sit down with the people that don't make money. They're our boys. I need you to sit down with someone there with multiple sessions. I need you to go through their whole process. They might have a solution. Yeah.

But this is too extensive for the show. You can work your ass off, but even if you work your ass off and bring that extra 7,000 hours a month home like you did this last month, 22 and a half years to pay off all your debt while living on basically nothing. Bankruptcy might be the play. And I hate that. I hate that because it's expensive. It's stressful. You already have enough stress in your life. You're taking gummies just to sleep. Like, I don't want that extra stuff on your plate because I wouldn't wish that on anyone. I wouldn't wish that on anyone. All right.

It also doesn't feel good, like on my end, to just not pay it, believe it or not. No, of course. I get it. I get it. But I'm just thinking that $400,000, if I just opened my Moo Moo brokerage and I just bought the S&P 500, what that $400,000 would be worth in 22 and a half years would be wild.

Yeah. This is where we are. I need you to do those actions. It's the solution from this show. Yeah, you can put all those actions in. The selling everything, getting the money from the ex for the sold house, collecting that $15,000, maybe even get an employee. If that's something that's even possible in your business, I don't know if there's really not enough hours in the day for the business that can be done to make more money. Even still, we're probably only making a dent of $75,000.

which unfortunately for your situation is unfortunately just not even substantial, which is crazy because that's a lot of money. But as you start tackling these debts, you know, of course, there's just more and more money you have left on a monthly basis, but it still takes 22 years to pay off just about from what we've been able to do in two hours. So I wish this was a more uplifting ending. I think you need to have some serious conversations with people in bankruptcy, people in different advising areas, people who are able to sit down

Not for two hours, but for like two weeks, two months. Yeah. This is just one of those rare situations. And honestly, this whole week of when this is being uploaded of just thick stack week, whatever it's called. They've been the unique rare situations in this show where the path forward has many angles and none of them are good.

Yeah. But it is the situation you got up to, got into. And I will say, if you continue down the path of what got you in this situation in the first place, there will be no hope and all of it will fall on your children because they will have to take care of you. And that is unacceptable. Right. No, I agree. All right.

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