Wannabe Hipster Knocks Up Literal Clown | Financial Audit
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Get it all at maersk.com slash insights. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You told me you guys have enough money in your checking account to pay your bills, so that's why you don't tell her. Then we had a late payment. Does grandma know? That we're spending so much? Yeah. On you bullshit. How the can you get a mountain due every day if you're borrowing money from grandma? Was it borrowed or gift? Well, she'll never ask for it back. She's an older suburb.

It's like the kid doesn't matter. It's like your grandma doesn't matter. It's like the life doesn't matter. It's like our future doesn't matter. Hi, I'm Rachel. I'm 21. I'm Dylan. I'm 23. We're based out of Phoenix. And this is Financial Audit.

Welcome down to Austin. Thanks for coming, guys. And what do we do for a living right now? I guess we'll start with you. I'm a stay-at-home mom. Oh, wow. Okay, so we have a kid. Yes. Or a young couple kid. How old is this kid? Six months. One kid. Single. Very cool. Wow. Was this planned? We knew there was a risk.

It was the find out method. Yeah, that would have risk. Yeah. Yeah. We knew it might happen. So, like, you guys just didn't care? I forgot. Okay, no. You forgot that you weren't wearing a... Listen, Caleb, we went to public school. So...

We were like, if it happens, it happens. I mean, at the time we were making them. It's an interesting family planning strategy. They've been doing that for hundreds of years. When were you guys married? We're not. Yeah, we're engaged. Yes. Oh, okay. When did you guys get engaged? September 22nd. Yes, the baby was already like three months. Wow. I was already three months pregnant. Did that kind of push us over the edge to get engaged? Yeah, I think so.

All right, completely different answers from both. I always thought she was the one, so I was just kind of pushing it along. I wanted to prove to her that I meant to stay here. I just knew I was pregnant, and then we went on a vacation, and then we were engaged. All right, cool. And then what do you do, Dylan? What do you do for a living? I'm a dishwasher at home.

And there's nothing wrong with that, but I'm immediately curious how we're paying the bills as that being the only income right now. It's new. So previously I was working on an automotive shop. Oh, okay. Previously when? A couple weeks ago. Yeah. Okay. This is very new. What were you making at that? So the pay plans are strange. Okay.

My last check was about $850. I was bringing that about every week. Before that, I was making a whole lot more, about $1,600 a week. When? Last year. What happened? I got forced into a demotion. Why? So the management team at that place is very toxic and very totalitarian. They're very mean. Totalitarian? Okay. Sure.

And I got pretty sick of it. I was mostly ignorant to a lot of the stuff they were doing. So anytime they would start violating our workers' rights or just kind of being rude for no reason or expecting too much without compensation. What workers' rights did they violate? Like no lunch breaks. No lunch breaks. They would make you sign fake legal documents. They weren't even legal documents. No, they weren't. They were basically like, you're going to do this and this and this. And if you don't, we're going to give you the boot.

but it wasn't any form of work thing. It was like a printer paper with pen. And they're like, you can't pick your kids up. You can't leave to get your kids. Yeah, there was actually a worker there that he had a signed court order to go pick up his kids at five. And he said, Mike, oh no, you're going to work till six. And if you don't,

You can leave. And he's like, no, I have a court order. I can do both. Try to not hit the table. But I mean, I get it. I haven't let my employees leave in six months. I make them live here because I own them. That's what the back room is. It's good. It is. That's the shackles are for Noah sleeps in that corner right there. That is Peabucket over there, too.

No, he doesn't let them go to the bathroom. He's here to save money. That costs plumbing. Absolutely. Now, obviously, that doesn't sound like a great work environment. No. It got to the point where he was reporting to HR and they retaliated. Yeah, and they just kept retaliating. Quiet fire type vibes. So how did the emotion look? So...

Eventually they're trying to get me to quit and I'm like, I don't quit. So there's a position in the shop that's the worst position in the shop. You're working in a basement. It's about 110 degrees in there and then you're just running back and forth changing oil on cars. Were you the only one kind of making it? Now why was no one else doing anything? They got fired. So there's only one pit tank at a time. Why were you not fired? They don't like to fire people.

They were they were doing the quiet fire thing of like oh, he's a minute late write that down Oh this write that down and then so I wasn't giving them any reason to give me a fire Like i'm a i'm a good employee. I did all my tasks on time They just didn't like the fact that I was trying to hold them accountable to Like a healthy work environment. They wanted to manage their way and they didn't like that Okay, so they're just trying to give me the boot So they threw me in the hole for probably three months trying to get me to quit now. You're a dishwasher Yeah, we're getting to that point. We're getting to that point. Um

So it got to the point because the way my pace got worked. Try not hitting the table. Sorry, sorry, sorry. Where's the spray bottle? Yeah, I will spray you. It's true. It'll work. I'm armed and ready. So the way the pay works is I was getting paid off mechanical because I was...

That's so menacing. Locked and loaded. I like how you bought the black one from Target too. It's tactical. Right. It's tactical. That's what the grip is for. So originally I put it on like intense mode. Oh. Because I have to aim from across the room. It can't hit the mics.

Go on. Continue. So I was a service manager. So I was managing all the cars in service and that's how my pay was based off of. I was getting a bonus off the total commission of the shop versus the oil side gets paid off what they do over there, which in the whole it's just a flat hour rate plus like extra couple hundred bucks. Sure. So...

so they couldn't keep me on the mechanical rate if I wasn't over there, but they didn't have any reason to take me off that period. So they brought someone else new in and put them on that pay plan and basically told me like, Hey, if you want to stay on this pay plan, you're gonna have to move a couple hours away to go to this other shop and work there. Or you can put on the, uh, basically lower pay plan and,

I was going to move. Sure. I didn't want to make the drive because I'd turn my 10, 11 hour days into 13, 14 hour days. And I still needed money because I didn't have any backup. I didn't think they were going to do that. Eventually, I thought that they're going to maybe pull me out a hole. But so we're just been kind of struggling with that past couple months. So you quit? I quit. Yeah. Okay. Now dishwasher. You know, just like the first open job you could get. Was that the idea? I was planning for everything. Yeah. Okay. Well, now I actually appreciate that. You know, for what it's worth, I actually appreciate that because what I

What a lot of people do is they find themselves in like a laid off position on the show. And yes, if you're paying into unemployment insurance or insurance, you know, that that can help you for a while. And if you have an emergency fund, obviously that can help you for a while. But at some point, some people are pushed to the point where they they are not willing to take jobs that they look down on jobs that are a little easier to secure in emergency situations.

Not that they want to hire someone that's immediately going to leave, but they're probably used to being a higher turnover rate in that job. So what are you making now? $18 an hour. Okay. Okay.

It's not horrendous just for washing dishes. Yeah. It's actually a little surprise that it's like even over 15. Are we allowed to say brand names? I don't care. It's still like Texas Roadhouse. So they have really good. Yeah. The rolls. The rolls. Yeah, the rolls. Plus I can sell myself an interview pretty well. Yeah. Yeah. Sam, you've been doing this how many weeks now? I start the 7th.

Okay. Yeah. How are we surviving? We're not. We used up the emergency fund. You had an emergency fund. We did. We had probably about two and a half grand. This is a different conversation. I like it. Usually we don't have people. Well, okay. That's not a fully funded emergency fund. Nevermind. It's definitely not. But you had something. It was enough to cover like one rent payment and like a car payment. And then because with the baby, there's at least $200 every month in formula. So I guess that makes sense.

why we're having this conversation in your opinion why are you guys here it's just gotten to a point where i feel like the financial literacy is almost none and we can't have conversations about it without it being like a fight and then that just is so stressful on top of not having money to do anything like as a stay-at-home mom being in a house for 10 hours a day with a baby yeah it adds stress and then the finances have always kind of been like i'd be like can we do this and he'd be like yes

And then like a couple of days later, like, oh, we couldn't do that. And now we're stressing. What example? I need an example of that. Like, oh, can we go get food today? Or like, can we go grocery shopping today? And groceries are at least like 150 now for a week.

Okay. And then he'd be like, yeah, we can because, I mean, obviously we need food, but then that wasn't the case. And then by the end of the week, we're like stressing on how we're going to pay for things. This last two months, I think we've asked his family for help like two times. Really? Yeah. His grandma covered like a gap for a rent. Grandma? Yes. Yeah.

Oh, that always hurts. Yeah. Going to the grandparents was probably retired, right? Yeah. Yeah, Mimi's great, though. What did you borrow? Was it a borrower gift? Well, she'll never ask for it back. She's an older Southern woman. She's never going to be like you. But was it like a... No, it wasn't like a loan. It was like a we're going to help you do this. How much? $600 and something. So that was like a stopgap that helped make the... The rent pay. The rent.

And a little bit extra for groceries. So, and then his mom. Why is every conversation around money a fight though? I just think we have different views on it. Okay. Tell me his views.

Well, when it comes to like hobby things, like things he enjoys, it has to be like the best of the best, like the best coffee machine, the best like tools for if he wants to go to the gym. Those things have to be luxuries. But then if I'm going to the grocery store and I'm like, hey, can we get this bigger pack of meat? It's always like, no, it's too much. We can't do that. So that kind of just immediately makes me. I wouldn't quite say that. I would say it's like, can we get these chocolate chips for the cookies? I'm like, we can just have normal cookies. You don't need chocolate chips.

do you agree with her assessment on the first thing yeah i do okay i do have an issue so is it the chocolate chips that are killing us or getting the expensive coffee equipment coffee equipment and probably okay probably chocolate chips every week like it's that mix of both we're like because i i almost feel like oh well you got this so then i get to get this for the house because you spent that money and i feel why how what wait okay well i

Why? Why does it have to be some competition on spending? I don't know if it's a competition on spending or if it's like a, like, especially being a stay-at-home mom, it's like I don't get luxuries. Like, he gets to go to the store for a Mountain Dew every day at work. I don't get that. You have to go to a store for Mountain Dew every day? What does that mean? You mean like you stop and get a Mountain Dew every day? I don't have to stop. It's across the street from my old work. That's stupid! A pack from Costco! That's fair. It's cheaper. Yeah, no sh**!

What the f*** do you think? I mean the problem was I was spending them. I was getting them every day so I didn't have money to buy them in bulk. At the Costco. And that's where it came in is like the smaller things daily of like oh we let's get this because it makes us feel better in that moment turned into... How the f*** can you get a Mountain Dew every day if you're borrowing money from grandma? That's gross. Yeah. That's gross. Yeah.

What, you're smirking? No, I'm trying not to. I'd feel pretty nasty about that, personally. I'm feeling nasty. Yeah. When you put it like that. As someone who has borrowed money from my grandparents a long time ago when I was in a bad spot, and it was borrowed, and I ended up paying it back, I'd feel gross. Yeah. And then what's her philosophy on money? Mimi's? No. Oh, hers? Yeah. Um...

So you guys had different philosophies. What is it? Yeah, usually anytime we talk about finances, no matter how good we're feeling going into it, I feel like her anxiety just cranks up to 11. And then immediately I just feel like I'm being attacked on most of my purchases or any of our purchases that we make together. So when we have conversations about money, it all of a sudden becomes, well, you spent on this. Well, you spent on this. Yeah, it's a big fight. Well, we can't get that. Well, we need this. But yeah. And then I think a lot of it too is because he took on

Like me being a stay-at-home mom and him having to pay my bills adds a little more to that. How close do you guys live to family? About 30 minutes. Okay, so the support could be there, could not be there. It's a little difficult. It's not like we don't have support. Yeah.

But, well, yeah, but... I mean, honestly, it's not like we haven't had every tool to do this the right way. How do you want to be a stay-at-home mom? Ideally, until the second kid was here. Because then I could just... We're planning for a second kid. And we literally... Well... Not soon. What's your rent right now? 15 flat. How the f*** are you... Is that with utilities, though? How many hours are you working a week? Originally, 50 to 55.

Okay. And that was... You're putting in the time. But that was only making... They required 50 hours to make 800 bucks. It was 18 plus a commission. Oh, you're making 800 every other week? Every week. Every week. 850 to 900 bucks. Okay, so you're making rent, but it's still very expensive for you. Yeah. How is second kid in a conversation then for that? It doesn't really make sense. Especially if you had a drain and emergency phone. Is that fair to the kids? I don't think so. No. You don't have a choice to come into the world or not. Right. But they're cool. Well... I'm sure. Yeah.

So is a new motorcycle. Like, yeah. We're not getting a motorcycle, are we? What do Mattel, Banana Republic, ButcherBox, and Glossier all have in common? They power their businesses with Shopify. Shopify is the most innovative and scaled commerce platform on the planet that also happens to have the best converting checkout on the planet. And that's no industry secret. That's Shopify.

Learn more at shopify.com slash enterprise. No. No. Oh. So, okay, you're making an example. Yeah. Can I have the whiteboard? I'm going to have you guys do a little exercise. Okay. Okay. I want you guys to kind of guess. I have the answers here, but you're going to... Thanks, Noah. Of course. I'm going to go back to my... As you should, where you belong. That's why you get straight-line toilet paper in your bathroom. You're a piss-stained cot.

geez they're like like some weird do you want some bullion going on sorry i'm just thinking about your guys's dynamic like when noah comes out here for the post show are you guys just gonna be like flaming him yeah i don't know what the is happening do you need help opening that oh that's the twist you broke it good job hey noah do we have a new marker i know caleb may not budget that you can't boss him around got it oh just kidding

Caleb fixed the broken marker. I believe that with this curvy line toilet paper. Okay, so I need you guys to discuss have a thing you're gonna do a bar next to each a bar next to each in terms of how much was income how much was spending and then the number inside that bar by the way your guys's message on the coffee machine is

Kind of passive aggressive. It's openly aggressive. I'm always openly aggressive. Yeah. So you're going to draw a bar based on, let's pretend that the income was $5,000. Draw a bar. Oh, okay. And then write $5,000. Like a graph. And then I have to spend it. It's $2,500. It would be half the size. I didn't graduate high school. Thank you for that. You're welcome. A little consultation. Are we doing both do one?

Or just together. Yeah, I want you guys to decide together. What do you guys think? Where do you think things are going? You want numbers? Yeah, number in there. And while they figure out what a bar chart is, a bar graph, feel free to sign up if you want to be on the show and you have an interesting situation, interesting finances, or if you have an opinion you want challenged, anything like that, you can come be on the show at calebhammer.com slash apply. You can also get your Hammer Financial Score for free. Link in the description below.

You can also get your merch on calebhammer.com. It's shop.calebhammer.com. Oh, I'm so sorry. How do you feel about that? It's fine. Do you think it's fine? Yeah. You're the money man. Vaguely. Is that true? Yeah. So he runs the money. Yeah. Okay, we'll talk about that in a second. Let's figure out what you guys got. Okay, so here's what they think. Income in...

$3,200 and spending $3,000. Is that $700 or $100? That's a $700. Okay. So you already think you spend, you know, $500 more. Well, that's at least the $600. Why? Why are we spending $500 more if that's what we think we're doing? Like, why are we allowing that? If rent, we already know what rent is. Then if you include your needs on top of that, your minimum monthly payments, it shouldn't stack up to that. So what are we doing?

not spending right. - Not being smart. - Buying bullsh-- - Yeah. - Why though? I wanna give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, MooMoo, where they give you up to

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I don't know. I, yeah. It's definitely not a, like a conscious decision, but it becomes one at the end of the day. It becomes one at the end of the day. Why haven't you guys sat down? Like, I know you guys blame each other. Okay. So we blame each other on different things.

That isn't necessarily the most helpful way to go about a budget. But why aren't we sitting down and at least just figuring out where the money is going and taking any kind of self-responsibility without blaming the other person on where things are going? Why haven't we sat down and at least acknowledged where our own spending habits are? That's fair, yeah. Does grandma know? That we're spending so much? Yeah. On f*** you bulls***, stupid bulls***, dumb bulls*** that does not matter in any way whatsoever.

Going out to eat was literally double your grocery store spending. It's like the kid doesn't matter. It's like your grandma doesn't matter. It's like the life doesn't matter. It's like our future doesn't matter. I didn't know that. Hmm.

Of course not, because you haven't sat down and tried to figure out where we are. Instead, you guys just point the finger and be like, you shouldn't have spent money on chocolate chips. You shouldn't have spent money on a coffee maker. You know? That's our solution? That doesn't get us anywhere. Yeah. That doesn't get us anywhere. Yeah. It's also been like, if we have the money, I'll spend it. So if we have money for groceries, I'll just go get groceries. I'm not thinking... Well, groceries isn't necessarily...

Bad as an inherent product, but certainly budgeting it, figuring out what we can do, you know, probably going through a cheaper meal plan, meal planning techniques. But when you spend $6 to $8 a day on drinks and then you try to go get groceries, you're $100 short. $6 to $8 on drinks. Yeah. It's like a daily thing. Well, both of us, I... What are you getting? Red Bulls. Why? Why are we getting packs? At least at a lower price. It just...

I think when I was making a lot more money, it kind of made us a little bit spoiled. I do say. Oh, sure. Because you're making like what? 80 a year? I was making, I made 80 grand last year. Okay. Yeah. So that was definitely living quite. Yeah. We're definitely living quite comfortably. So spending habits weren't really nothing crazy. And now he can't tell me no. So if I'm like, I need a Red Bull because the baby's been really hard all day. I'll go get the Red Bull. Now, of course, your income was correct. You already know your income. Your spending you thought was $500 more, right? Mm-hmm.

So you thought your spending was $3,700. Your spending was $6,434. Oh. You guys don't know what the f*** you're doing. No. You don't even know what your life is. Yeah. Damn. Holy s***. What was the shocked Pikachu face? Like, what was that? Like... $6,000. That's f***ing crazy. It's insane. Yeah. It's definitely on me, too, because I should have just...

asked to get on sooner to check because i like didn't when we started doing the whole he was home i like we kept separate accounts up until like two weeks ago so i never even looked at that how is your guys relationship right now it's on the out all right at best huh it's an all right at best it's on the out all right at best it's like a day-to-day thing day-to-day thing

And you think it's stemming from this? There's obviously, like, having a baby is stressful. Having a baby that fast is stressful. Yeah. Because we'd only been together for... Well, it's because you guys didn't f***ing wrap it up or take any medication or anything. And you guys were just like... Yeah. We were making 80 grand. It made sense. Because I knew I wanted kids young. I didn't want to be, like, 50 with, like, a 10-year-old. Have you looked more into the automotive industry in terms of...

trying to find a job that at least got you closer to that didn't come with the experience you had and you say you have these incredible job interview skills uh not quite i wanted to make my way out of what i i have yeah i want to get my yeah i want to get out of the automotive why um

It's dude, it's gross like working on that. I didn't like it. Um, I felt real scummy when I was talking to customers trying to get rid of selling. Yeah, I don't like selling. I didn't like the management because I have worked in a couple other different automotive fields. I've worked at a dealership before. Um, I've done, um, just like a lot of tenant, um, and, uh, detailing stuff and,

It's never been fun. It's just kind of a thing I fell into. Oh, fun. I don't give a shit about fun. No offense. Not right now when you guys are spending double what you make. Fun isn't in the equation of caring for me. I would say aligning more with my morals and what comes in a workplace. It's just gotten to the point now where I'm having to compromise on her care because I never wanted to put her in a daycare.

Because I just don't think. It's hard. Well, especially at six months. Right. Like, I get. So then now it's to the point where I'm just upset because, like, I know that I'm probably going to have to get a job. What do you want to do then? If you're the breadwinner of the house, what do you want to do that aligns with your morals? I want to be a police officer. Okay. Well, that's obviously time to go through.

that have you applied uh yeah i've applied and i just wasn't letting on this go around they said come back in two years yeah that was last year yeah that was last year so i feel like it's kind of just been like a holding out until he could apply again so you have to wait two years now yeah so what's your plan until then i'm obviously able to i have resources i'm able to give you like a certifications of course careers accounting whatever anything like that for type of career change i can't offer you a police certification yeah um

Okay. So what the f*** are you going to do until then? Because you guys got to pay the bills and right now you're not doing anything. You're also spending stupid. Yeah. What the f*** is your plan? We do have a plan. We are getting better. Oh. We spent double. Right. Right. I don't know what better is considered to you. We're just planning on me working full time. Yes. So that is the plan. Yes. And I would do part time. How do we feel about this? Well, why are you part time?

I won't have her go to someone else for care. Okay, well, what is she going to be doing? Are you both never going to work at the same time? We plan on working at the same time. Where does the kid go? You guys aren't even aligned on what you're thinking. He doesn't know what you're asking. I'm just explaining it wrong. I'd be the 40 hours a week and then he would do about 25. So when I get off or weekends, I just haven't gotten a job yet. So you'll never see each other?

I mean, yeah, but is that... That's a way to avoid fighting, I guess, but that's... And then the finances will be fixed by the time that we do see each other. No. Okay. Do you know why? No. Do you guys even know? No. No. It's not... Your income is a major issue right now, but it is your f***ing spending. I don't give a s*** how much you guys make. You're spending double what you make now. Okay. And you're borrowing from grandma to try to fill the gap, and you don't even get close to that anyway. Okay.

We're taking it from retired granny Nana. Okay. It's not going to be you making more money. It's your spending. It's your behavior. It's your lack of care. It's your lack of discipline. It's your lack of maturity. The kids popping you guys into maturity real quick because you popped it out. But that has not changed your spending. It has not changed your behavior. It has not changed your maturity. Let's get into the debt.

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Oh, okay. Something else. But you guys are not credit card people. Capital one. We have a balance. This isn't a huge balance. It's the max. It's.

oh my right it's the max yeah that's insane credit limit i've never seen a credit limit of low 221 did they lower that at some point no it was the the platinum so i paid you're over the limit no you're not you're so close though yeah it's a secured credit card isn't it it is secured so i when i got it i put down like a certain amount and then they gave me the 221 and i've had that limit since i got it when i was 18. okay so what are we trying to do here though

I mean, at least with the money that you got, you're spending so much money, but you only did a little over a minimum of the payment. Then you went and purchased it anyway. So it's like, what's the point? Yeah. Like, what are we doing?

If we're taking from grandma, again, I really don't get it. Why are we spending on a card that is accruing interest on a monthly basis? $6, 7 cents there. $25 minimum monthly payment. Basically at the max. You put it all the way back up to the max again. Kindle? Go to the library. PlayStation Network. We're not doing that. We can't afford to live. I'm not saying I don't want you guys to have fun or paid for fun. That is not it. You literally cannot afford to live when we're taking from a retired lady. Okay?

The Sims resource to run tune. Yeah, that's me. Stop. Right. What is that? It's like a custom content thing for the PC on the Sims. Buddy, you need the content in your life. Yeah. You need to unlock the content pack where you're able to just like survive. I know it's imaginary at this point. Yeah. It's basically a loot box for you whether or not you'll get it. Right. Yeah.

I think that definitely contributed to it's like, well, if we're gonna be poor. Yeah. So that's what we've accepted. We've accepted that our our child's gonna grow up in a poor house. Great. That's great. That's that's what a parent should say, right? No, I've accepted it. I'm not we're not poor. I'm broke. Difference. Oh, not not according to your second half. Yeah, I just Yeah, the one's given up one hasn't. How do you lead someone that's given up?

How do you go forward with someone who's given up? How do you get into the marriage with someone who's given up? How do you guys get to the final goals that you want to get to if one has given up? It's an anchor. That's the shit all over you, bud. Like, how do we do this? That's true. I mean, I'm aware that it's the problem is definitely me when it comes to spending and the fact that he took on the debt because he doesn't he didn't have any.

You took on all the debt. Well, I had debt getting into the relationship, and I think it's a little bit of a savior complex, and he just felt bad seeing where I was and then took me out of it and then was paying on it when it stopped working. So he's been paying all the bills since last year. So if you're getting into the workplace, what's your...

Have either of you gone to college at all or anything? I haven't, but I've been working since I was 16. So they don't usually ask when you have that much experience. Well, I guess it depends on the job. Right. I mean, a lot of it's office jobs, but I used to do operations for like a large furniture store. So that definitely helps. Okay. So you guys just graduated high school then? Basically. Well, no. I don't. No, I mean, that's. I don't have a vacation. I don't have one. You didn't graduate high school. No, I dropped out.

Why'd you drop out? We were just... You don't hear much of that these days. No, we were really financially stuck and it was affecting my mom's mental health. So then I dropped out to get like a full-time job at 16. Your mom's mental health is allowed to affect your basic core education? Yeah. That feels...

Well, she tried... Almost potentially a little selfish, depending. I don't know. Yeah. She tried to put me in an online school, but I was working like 50 hours a week at Chick-fil-A, so it wasn't... 50 hours a week at Chick-fil-A at 16? Wait, why? I'm so confused. Because we needed the money, so she was working... What was this mental health thing? What are you talking about, though? Like, it would be like, we don't have money... Because she moved us out to Oregon without...

an emergency fund or anything. Oh, great. This is what I'm worried for your guys' kid because it's like they don't have a choice. They don't have a choice in this world to come into the world. And then if you're just f***ing around and putting your selfish desires over them, you're going to put them in a situation that you've been in and you want to be in that f***ing

generational cycle constantly no that's why we're here okay so they moved she moved there with no emergency fund right yeah so i was um i was in school and then we were in like half of an attic it was like one bedroom like an open plan almost because in oregon there's different housing laws so he could have he could rent that out and we were paying 1200 for that and then she was working three jobs to make up for like the living cost of having two kids i i

She's needed money. So she came to her 16 year old and said, I need you to work 50 hours a week. That's kind of gross. I don't know if it was like that. I'm okay with a part time job to help into the communal thing. If the family is going through hard times, I think she puts herself as desires over it. Right. I don't know. Yeah. I disagreed with the whole move to Oregon because I was like an AP student and then it just messed

everything up and they got so you've worked in operations what have you made what has been your highest paying job it was that um yeah what was the like pay 52 a year yeah okay how long have you been out of work a year gap in resume i had a kid yeah and then usually they're a little you're gonna be headed into a harder job market yeah i have three interviews when you get back okay

I've just been turned down from five. It happens. It's the name of the game. I'm learning. It really sucks. It's humbling. Her numbers game is wild, though. Applying for jobs is a full-time job and sometimes has to be a little more curated depending on the job. You said that and...

I realized like I wasn't doing it enough. So I applied like 42 jobs just the last two weeks, but only like six of them called back. Yeah. Yeah. It is a numbers game. Even with follow-up emails. You know, depending on the job, you know, cover letters and things, you know. Ideally, I wouldn't have to work.

We're here. Yeah, I don't give a shit about ideally. Ideally is not the world we live in. Right. The world's not necessarily kind, loving, and caring. You just got to figure out your way through it. Like an adult. Are your kids going to be driving out of high school and working at 16? Yeah. Also, you're spending all of your guys' money, so I don't really give a shit. That's true. Like... Yeah. That's not like we're trying. You guys are living like upper middle class people. Yeah, we're not making... You're lower middle class. Yeah. Yeah.

Ouch. Mathematically, it's not an insult. It's not even a bad thing. But you've got to live like your real life. This is at 32.24% interest rate. I didn't know it was that high. On your card? Yeah. Holy sh**. Yeah, and you guys decide to spend on PlayStation Network and Sims. Bullsh**. Yeah, so instead of paying it off, we keep it at the credit limit. Smart. Real smart, guys.

When did you guys start dating? September of 2022. Yeah, 2022. 2022. Okay. And then we had like a miscarriage like two months in. And I think that's kind of just what... Two months into dating? Yeah. Yeah. I think this would just put us down the trajectory of like, go, go, go, go, go. One, I'm sorry for the miscarriage. And two, you guys were pregnant so quick as well at the same time. It was... It was... I'm going to look at the camera. If you're taking birth control and also on antibiotics, it will cancel out. Yeah.

So you can't be on birth control and antibiotics. Interesting. Yeah. And it most likely won't be a viable pregnancy if you get pregnant on antibiotics. I guess I need to double up my birth control. Yes, Caleb. Did you take your dose this morning? Did you miss your alarm? Yeah. Noah sticks it in every time I walk in the office. I figured. I thought you were supposed to work for you. Right. The college is helping a bro out. You're right.

Speaking of getting in the ass, let's talk about this Apple card. Yeah. That was a mistake. It's a huge $1,730.03 balance. The $52 minimum payment. And that was before the trip here. Oh. Because you had to use that card to...

Well, at least the reimbursement, the flat rate that we give you, you better put it right towards us then if that's the case. Yeah. That's the plan. Yeah. I get it.

Why is this card balance so high? Bullshit. Then why? Why are we bullshit then? That pisses me off. You're just so knowledgeable of it, but we still do it. So it's just like, what can I even do? I wouldn't say it's bullshit. Okay, so again, we disagree again. So what is it then? Not bullshit. Bullshit.

A lot of the whole reason why I got that card was I was trying to boost my credit score before we met. So I just used it for small purchases. And then once we got together and we needed some extra money, say, for a vet visit or we had an unexpected bill or something. You guys have pet insurance? No, but then it turned into like, oh, we need something at the store or gas. And obviously we don't have money because we're spending that much. Yeah.

I just didn't... We didn't have like a real financial conversation until we were gonna come on. You guys need to go... Really? Until then you haven't had a f***ing talk? Well, I knew it was bad, but it would be like the... Are we okay? And then like, well, yeah, because you didn't want me to freak out. Yeah, it's never... Wait, did you even know your finances? Of the household? I had no idea they were this deep. Why were you... Why? Wait, why? Why are you ignorant to the household? I don't know.

With the baby, I guess I just didn't care. You didn't care? I didn't think it was her problem. So you didn't even ask? No. Why didn't you share? Hey, Fidelity. What's it cost to invest with the Fidelity app? Start with as little as $1 with no account fees or trade commissions on U.S. stocks and ETFs. Hmm. That's music to my ears. I can only talk.

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If she was taking care of a kid or whatever, she wasn't interested in the finances, but something was going wrong that impacts our future and impacts our kid, I would bring it up. Because we're both adults. So why did you not bring up anything? It's probably a lot because before I was making a lot of money, so it was never a conversation to ever really have because we were always okay. What conversation to have? So why didn't it happen? I just assumed it'd be okay.

Bad math. I don't know. That's not a f***ing answer. That is not an answer. Why did you think this would be okay? What was your actual logic? You see the debt accumulating. You're at max out hard. How are you like, it will be okay?

I guess I was just holding out hope that things will change. I always knew we always had enough money in the bank account where we can make our bills and we can make our groceries. So in my head, that was comfortable living. It would be okay. But of course, if we need anything else, it was going to the cart and I would just... You're borrowing from your f***ing grandma. What do you mean you have enough in your account to pay your bills? What are you talking about? Delusion. Yeah, you are living in full delusion right now. What the f*** are you on about?

I commend you for working a lot of hours. I commend you for immediately getting a job after, well, you quit, but I mean, still either way, uh, you still got a job quickly, even though it's not the job you want. We just ignored six grand worth of spending. Yeah.

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The biggest thing. You guys don't even get married. Are you sure you're even going to get married? If things keep going like this, I mean, it's... Probably not if things keep going like this. It's a leading cause for divorce in this country. Just the way that we were raised completely different with money, so the conversations are definitely always stressful. No, you guys just point fingers. Well, it's... It's clear as day. All right, you spend money on chocolate chips. All right, you spend money on coffee. Yeah. Yeah.

yeah you're you're both irresponsible as the the pointing of the fingers is correct you're both yeah point them at yourselves as well acknowledge right okay i know spending no wait no there is agave psychiatry it's my therapist okay 20 bucks how often not anymore yeah it was once or twice a month we can't afford therapy can't afford therapy

How is therapy the thing we cut when we're spending $700 a month going out to eat? What the f*** are you guys on about? I think it's... Which one's really better for your mental health? Are you f***ing kidding me? It was just that the therapist was like, the charge was like $140. And I'd rather get a $5 drink than pay $140. Well, all together, like with mine and his. So both of you were going and both stopped? Yeah, stopped. Because it was like the $6 drink. You might need couples therapy though. Well, I mean, yeah. Yeah.

Yeah, and that could, like, save you guys. Wesley, that's not going to help us get out of the hole. It might if it keeps you guys together and allows you guys to strategize and actually have conversations about money. If you can't have conversations about money, you're never going to get out of the hole. Right. If you're able to have those healthy conversations, then maybe you will. It's just, like, those big amounts are so much more overwhelming than, like, getting a drink or going out to eat. Yeah, but that's your guys' issues, the small cuts. Yeah. It's the small cuts. We can work on it, by the way.

That's one of the last things I cut. That's why I try to keep gyms in the budget as well. There are certain things that aren't a need. If we get to the end where we literally cannot afford certain things and we're already at the max of work, like, okay, that's where we can have the conversation. But those are things we try to put in if we feel like we need them. We just haven't. $34 of interest to charge this month. And again, you know, like, and I'm not against the therapy. I am against putting it on the credit card. Okay. Okay.

So we only have one car loan? It's just mine, yeah, because he has like a 97 GMC. How is it? Oh, fine. That thing's going to run for a while. It did get stolen and then his dad replaced a lot of the stuff. Yeah, so I've always been able to keep up with it working at that shop because repairs are cheap, so...

Everything's basically new on it. The motor's only got $150,000 on it. The transmission's only got maybe $90,000 on it. And then we have a Ford Focus as well. Yeah, 2016. Okay. $8,931.07. Yeah. You had a late payment. Yeah. You had a late payment. You told me you guys have enough money in your checking account to pay your bills, so that's why you don't tell her. And then we had a late payment.

So what was happening? I do forget her bills often. Yeah. Then you finances! Works! That's a, I don't, it's children, you know? Yeah. The late payment was that month we had to make rent. So I deferred it. You have to make rent every month. That was the month that we were short. So on top of the money that we borrowed, we deferred the payment and then paid it like 10 days later. And then there was... What do you think it's worth, car man?

That car? Yeah, what do you guys think it's worth? Like six grand. I would say six. 2,800. Oh, okay. That's trade-in though. What's private market? I didn't know you kept animals in the back. Let's do private market going forward. Five, private. Even still. That's a great list than we thought. Yeah, and then it was 221. Then they saw like a lapse in the insurance. Then it raised to like 280. What's the minimum monthly payment on this thing? 280. 281.

That's going to have a minimum of the payment. I mean, it starts becoming harder when we're stacking these up and we basically make no money. Yeah. There's two late fees. Okay. Great. Wonderful. It's a 5.7% interest. This isn't even the worst thing in the world. Yes, you're underwater a couple thousand dollars, but in terms of the overall grand scheme of things, as long as this is running well, it's not the worst in the world. And the interest rate isn't the worst in the world either, but you guys are late. You guys are late. You're just f***ing it up. Yeah. Yeah. Is this...

I was a whoops baby, and my parents were 19 and 20 when they had me. Or 18 and 19, I think. No, we knew what we were doing. Is that what you're about to say? Is this a whoops baby that we had? I thought you already said it was like an eh baby. We knew a fornication happened on that week I'd get pregnant. Okay, so you guys wanted to have a kid. Yeah. Okay.

I think the miscarriage like pushed it forward a lot. The whole relationship went really fast. That's not what I'm saying. It's just when my parents had me, you know, I was a wolf. So it's actually even more irresponsible that you guys did it. But I was a wolf. So my dad was, you know, a gas station attendant. And my mom was just kind of like a helper and like a glasses place. And, you know, like an eye doctor.

doctor place. Neither of them made much money and that meant the vast majority of my childhood and the vast majority of my life was growing up with really difficult finances, hard conversations, really cheap...

Spaghetti every meal, you know, that kind of thing. And it made life hard and it made I saw them struggle and they did a pretty good job hiding it from me. And, you know, they went in debt to make me feel like I was like living, you know, the solid middle class life next to everyone. But there are foreclosure notices. There are things like that. And that is what your kid's future is.

Right now, based on your guys, I mean, this car is not the worst thing in the world. The interest rate, the payment, you know, even underwater, it's not like the end of the world car as long as it's in decent condition. And you guys are f***ing it up because you're not willing to literally have a single conversation with each other about money.

You are going to have that hard thing. Now, for what it's worth, you can turn it around. My mom got a nursing degree. She has a successful career there. My dad ended up co-finding a business with some people, and they've been successful there. Of course, they had to wait until I was out of the house to be successful. But either way, you can turn it around. But you're headed through that tough childhood.

for you the kid and then you're already talking about bringing in a second one you're not even married yet so it's not like we even have like legal the government pays for your babies if you're not married i you get covered under access so i didn't we had no hospital bill there are substantial tax credits though as well i don't know what that means tax credits what does that mean do i owe them now because i had no no no no credits less less tax credit what's the what's the

Let me look at the tax credits because I'm not popping up children. I don't know either. You don't know what? What is a tax credit? Is that like when you write them off? Yeah, it's essentially against your taxes. Okay. So it's going to be credit. Okay. Oh. That's another reason too is you get more if you're single on taxes. It just, I didn't. Well, no, when you joint file as a married couple. One second. Okay. Up to $2,000 for a qualifying child under the age of 17. Okay.

And $1,700 of it is refundable, meaning that's like literal cash in your hand. It's just in it. So it's phasing out if you start making more than $400,000 a year jointly or single at $200,000. And it really doesn't matter if you're married or single on that part. But there are tax benefits for married couples. But married couples was one of them without income. Weren't you both about to have an income though? No, but we didn't. Is that what you're talking about? I mean, yeah, but I know. The second child was like an if-

I mean, obviously now it's not. I'm not going to have a second child with someone I can't even talk to. I don't know. Not based on what you said. So how am I supposed to read your mind? It was just the plan. You're not a credit card people. Use a charge card like the fizz card guys. You just don't know how to. This is ridiculous. You can't even pay your own bills. You need to be forced to pay your bills. Yeah. We were on auto pay, but then it kept drafting us into the negative because we didn't have...

The amount on the account. It's another credit card. It is. Credit Union West. I have two accounts on there. They're both MasterCards, though. One of them's a credit. One's a secured line. This is a... It's a credit card. Yeah. Okay. And we're sitting at $454.38. Interest is accruing. New purchases. Guys, this is... I'm... This is like...

How much more of this can we think? Why are we purchasing on this? What are we supposed to do if we don't have money to get... I'll tell you. Don't go in and get Mountain Dew and don't go to a smoke shop. These are not requirements to life, so f*** you. What are you supposed to do? You don't do it. Don't be a dumbass. But that's what keeps the morale up. F*** your morale. Your morale doesn't exist. It's not going to matter if we're making income if we kill ourselves.

Killing yourself by not giving yourself lung cancer? What the f*** are you talking about? But, you know, there's things. There's vices. Everybody has a little thing that keeps going. There are vices. You can do puzzles. Figure out... Okay. Sorry. I'm oversimplifying this. Either way. In general, obviously, glugging down the Mountain Dew, not good for you. Glugging down f***ing smoke, whatever. It's not good for you. And...

You cannot say that, well, how are we supposed to spend money if it's on things that are a want and those are a want, no matter the addictive tendency of it. It's a want. You're putting it on a credit card that's building up, that's near max out, that's accruing interest, that you're not paying off. That's not where we'd put it anyway. I'm okay with the vice. You get on that. You already bought the expensive coffee equipment. Get on the vice of making fancy coffees, you know? You know?

Maybe. Easier said than done. This is more of an addiction that would need to be worked on. I can't put it in your budget, but... It's just when you're in those moments and life is shit because you don't have any money, you get in my own dude. I get that, but why is life shit now? And why do we not have any money? Because you guys are accumulating your debt. So I'm not against the... I was kind of joking when I said...

What was the word? Morale. It's not about that. It's like literally your morale is just going to be forever getting worse because you're kicking the can down the road and this is going to become so bad that maybe bankruptcy is the only option. Maybe we have to borrow a ton of money and have a hard conversation with our family. There's so many bad things that are down the path you guys are headed that are going to make your morale worse. So I don't care if the morale is slightly hurt by not going and getting...

whatever you're getting from the smoke shop. Babe. I don't care if that morale is hit in that moment. If in the long term of your life, your morale is up. It's just,

So I don't give a shit. It's not that easy when you're in it. No, it's not. It's not. Everything revolving these conversations is easier said than done. We would have to sit here for 10 hours if we went into the nuance of every single little thing. The addiction is something that you're going to have to work on yourself. I can't put it in your budget. I will not allow myself to put it in your budget. That's something you need to work on for yourself and for the longevity of your life so that you can be around for your kid longer.

not develop your weird whatever lung is gonna eventually hit you leave my lung fungi alone huh you leave my lung fungi alone i'm growing it with care yeah it's not funny you're gonna die and leave your kid okay okay it's not a joke it's not a hee-haw hee-haw it's kind of it's disgusting vaping or yeah he like legitimately is like i don't care i'll shame it i don't care it's fine you can shame it

Like we don't even know the long term consequences of that yet. There's going to be millions of people that are just going to that we're going to have to take care of because they're like, let me have flavored nicotine. I'm just glad that you've never had to.

Yeah. I've had to stop my own vices. I have my own vices. And nicotine is one of the most addictive things. It really is. You know, one of my producers back there kicked nicotine. It's super cool of him. One of my best friends here in Austin also has done that. And it's really difficult, and I know it. Maybe set up reward systems for you along. Your support system is, who knows. But it's difficult, and that's something you have to work on yourself, and I can't help you with it. But I can't put it in a budget. Okay. Okay.

No budgeting for nicotine. No budgeting for a future lung cancer, no. So 17% interest. $50... That's medical debt. Just $50? It was a no-show. Huh? It was a no-show. What? A no-show fee. I didn't know that was a thing. Yeah. Oh, it genuinely didn't. No, they'll charge you if you don't go. They're going to make their money. Yeah. They're going to make their money.

Okay, I guess I've just never missed one. That was just a joke. They asked for a record of cash on hand. And I told them I have a jar of coins to throw at a robber. So they wanted documentation. Okay. That's what you asked? It's a big f***ing jar. Sure. Got like 10 bucks in there. Oh, good. We'll get our checking and chases in negative. This is wonderful. This conversation continues to get better and better. And we're sending out Apple cash? Like, what the f*** are you doing?

Again, I'm good with the gym, but you're negative in your checking account. Plus a monthly service fee. And we're negative $11. What the f*** are we doing, guys? That was to you. For what? Drinks. When we're negative? What are the f*** we doing? Also, I thought you guys said you were joint now anyway. So what is happening? Well, I still have my account and he has his account. But I'm on his account. Why is anything going through here? You're negative. I just didn't switch it over. Switch it over! Be a f***ing adult for two seconds!

Well, it wasn't a big deal until like a month ago. You're negative. Okay, right. It's a big deal. Okay. Oh my, okay. Do you guys even care? Like, what are we doing here? Well, yeah, but when you're in the moment. Wait, is this another, what is this? That's counseling. Past due counseling? Is it? Yeah, that's the 145 I owe to the therapist. I was under the assumption that it was covered. And then they sent me that bill with all of it together.

That was for three appointments. I don't know what your insurance covers. I don't know what your deductible is. Right. Do you? I mean, it's Medicaid, so no. Okay. And you guys are just like, let's have a kid for fun. Okay. Like it's a toy. Sure. At least there's $710 in this. Is this the shared checking account? Yeah. This is. Guys, this is the dumbest thing I've ever seen in my life. So stupid. So selfish.

So just childish and gross. Started off the conversation with pleasantries and I'm, and you guys are lovely people as people, but this is gross. It is a door dashing for 40 bucks. We're borrowing money from granny sending Apple cash out, going inside, getting mountain dew, sweet treats, uh,

apple cash sent out i hop getting mountain dew sweet treats mountain dew sweet treats withdraw atm 43 who knows where the f**k went withdraw atm $2 probably a fee burger king going inside getting some mountain dew sweet treats mountain dew sweet treats mountain dew sweet treats mountain dew sweet treats tiktok shop 136 000 tiktok shop you getting how much was it for 136 from grandma

was that 17 i looked i looked at the line doesn't connect very well no that was um a father's day gift yeah it was a father's gift are you borrowing whose father my father his okay you're borrowing from your father's mother his mom's mom but yeah to get oh okay well that's close

So I don't think we're doing that. I just don't. Right. It doesn't make any sense. Burger King, Netflix, nothing on there anyway. Manscaped. Do you need a subscription? You don't. So you're getting a one-time thing? You can. For your special mustache as you've been touching all conversation? Yeah. Yes. More nicotine. And Microsoft Ultimate sending Apple Cash out, Apple Cash out, Burger King, Netflix,

Modern Market Eatery, Jack in the Box, Blue Martini, Blue Martini. This is f***ed, guys. Mountain Dew, Sweet Treat, Spotify, Spotify.

Cash happened out $30. Cash happened out $8. Apple cash out $8. Apple bill in-app subscription, who knows, $10.31. Going inside, getting a sweet treat Mountain Dew. Disney Plus. Apple cash sent out. Goodwill. You never really know. You can get things you actually need. Okay. I'm okay with that. What I'm not okay with is then going and getting Mountain Dew sweet treats and Mountain Dew sweet treats and Mountain Dew sweet treats.

Apple cash sent out guys is dick. Oh, so look you guys sending money to so much It's between him and I cuz if I don't have money in my account, don't you guys use this jointly? I? Guess we've just been lazy. I haven't so say stop being lazy. How how are you guys allowed to be lazy? How is there even room or time or anything here for laziness? I'm not when you're raising a kid. You're not thinking about you're raising the kid to try to live a better life and because you're a little lazy right now you're in their future and

Is what I would say to that. Okay. Before you try to make an excuse about the kid.

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Modern Market Eatery, Mountain Dew Sweet Treat, Amazon, Blue Martini. Again, we're obsessed with that place. $141 there. We got sent that back, like half, almost all of it. Because I go out with my sister and then she sends it back to his card. Okay. Mountain Dew Sweet Treat, Smoke Shop. So we have two addictions. Diabetes and lung cancer. Apple Bill, Mountain Dew Sweet Treat, Mountain Dew Sweet Treat. DoorDash and McDonald's, great.

Withdrawal by check, $72. Who knows where that went? Plus a fee of $5. Panda Express. Waffle House. Are you kidding me, guys? Mountain Dew Sweet Treat. Super Star Car Was. It's a car wash. Car wash? Car wash? I forgot that was for. What? Where do you live again? That was my car. I forgot. Arizona. Okay, you don't get snow. You do get a lot of dirt. Okay, well, dirt's okay. You're not getting like the...

Salt and rust and shit. What date was that? Use a hose. You can't use the water at the apartment complex. You get fined. You spit. Alright. Apple Cash. Sportman's Warehouse. Mountain Dew Sweet Treat. Withdraw from the ATM. $43. $2 fee. Another $23 out with a $2 fee. Mountain Dew Sweet Treat. Amazon. Apple Bill.

Mountain Dew Sweet Treat, Apple Bill, and Mountain Dew Sweet Treat. This is f***ing insane. You spent $2,000 more than you brought in. This is f***ing insane. Also, you guys can have your little special vices that you guys do every day. Childish, immature, putting yourself before your kid's future. It's gross. It's gross. I'm disgusted. What? I just... You don't care? It's not that I don't care. It's just... Are you kidding me?

I agree that some of it is definitely childish. I just think... Some of it? Six months old is the kid. They have 17 and a half more years with you. This is what they're going to have to deal with? Is their mom and dad putting their vices over them? No. That's why we're here.

That's not an excuse. That's what a lot of people say. That's why you're here. No, I'm answering a question. And if you answer it and you don't seem to care, I'm going to call it out. Okay. Being here isn't a magical solution. I will give you the wake-up call. I will connect you with the resources. Go through our budgeting class. Go through our investing class. It's bundled now at a lower price, by the way. I guess it is like selfishness. I don't know.

I had like really bad PPD. So it was... PPD? Yeah, postpartum depression. Oh, yeah, that does suck. Yeah, so then it definitely was on me because I'd be like, I need this thing because I'm like super sad. And then he would get it. Okay, was that clinically diagnosed? Yeah. Okay. I just got off WebMD. That was a joke. It was clinically diagnosed. Noah thinks you look like a flamboyant pirate. You can make fun of him not having hair on top of his head in the post show. That's all right. You'll lose it. I'll keep mine forever. Did he just type that out to you? Yes.

This is why we need to keep him in the back. I know. Flamboyant pirate. You miss me when I have a long hair. Look how fruity he is with some of your guys' guests. I look great. I think you look good. Thank you. You like touching it. It's like a pet, too. It is like a huge pet peeve of mine. It's just like you sit there and you hear... I always lick my... The lip ticklers? I always get a long hair right here. Yeah. He calls them his feelers, like a bug. That's pretty funny. It's not funny when I'm trying to eat a fucking sandwich and I eat half a mustache, though.

Yeah, hopefully you're making it because you can't afford to buy one. I'd be the one making it, but yeah. $47 in this checking account. So what's the point of this checking account? This is your checking account. So my grandmother had set up this checking account when I was a child and she was just putting a couple dollars here and there all the way. What's Harkins Nortira? That's a movie theater. Great. So movie theater, movie theater.

More Mountain Dew sweet treats. ATM will draw $303. Who knows where that went? Great. For the rent. This is more spending. Rent's okay, but more sweet treats and movies. Because again, our pleasure, our instant gratification, that's more important. $3,000 invested. Is that what's invested to our name? My name. Yeah. All right, because you guys definitely don't consider yourselves together.

In terms of like an actual partnership, actual commitment for the future. That's as clear as day with the language you guys use. You've been good. I'll put this away. You haven't touched the table once. I'm glad we've earned. I switched my mustache. Yeah. I mean, necessary food was 6.1% of your spending. Your spending we also know was...

50% more than you made. But either way, within that spending, 11% was going out to eat. Miscellaneous bulls, 8.4%. Other large purchases, 11.1%. Like, this is just insane, guys. That's laundry mat, ATM withdrawal, $303. And Apple cash out, $212. $200 amount in due, we think. Just about insane. Yeah, well, like that, yeah. You're the next boogie. Congratulations. Oh, great. Yeah.

No, you're dating way too within your age range to be boogie. That's a fact. What is this? Nothing. Don't worry about it. Do you know? Not people making money at jobs. Yeah, that's true. No more terminally online. If you're going to get a job, get a job.

which is honestly a play. I like that you guys can do it without putting the kid in child care and you guys are just working weird hours. That's just the one thing I won't compromise on. I'd rather have us fight every day. And that's fine. It's going to be interesting. Curious to see how sustainable it is. That's the worry. All right. I think, what's your rent again? $15,000 after everything. After utilities and internet? Yeah, it's after utilities. And internet? Yeah. Rent is insurance? Okay. Yeah.

phone bill uh 200 something well i don't i don't pay mine she's 98 his parents pay for his 98 guys i assume you still owe money on your phone uh mine's paid off that's just what my mom said i owed her get your own line with helium for 20 bucks a month dude you just do that i don't do they get service everywhere yes t-mobile towers

T-Mobile's not that great. T-Mobile, well, it's great here. I have T-Mobile. I have T-Mobile. Well, good for you guys. I like my Verizon. Great, yeah. Let's continue to pay for things we can't afford. Are they going to? Spoiled. That's spoiled brat behavior. No offense. I mean, I don't care.

Car insurance for both? I don't pay car insurance. We do mile by mile because it's cheaper since I don't drive. You don't pay for car insurance? His parents pay for his car insurance and phone. You really are a child. Okay. That's okay. I mean, if that's what they want to do. I was paying it for a little bit. You're getting money from everywhere. Yeah. From everyone because you guys can't. Mine is... Mile by mile? Yeah. So because I don't drive that often, it would have been $500 a month because I have accidents.

So I just did mile by mile. So what is it normally? Like 120 a month. How much gas for both of you? 50 over two weeks for mine. Mine's maybe $40 a month. So like 90. 140. 140. I said every other week, yeah.

TP fund, anything else you need to exist, $200, and that's because the kid's expensive and you've got to put all that food. We're meal prepping aggressively a couple times a week. We're just eating cheap, but we're eating healthy. Use the one in the budgeting program. Address it to your needs. And with the kid, I'm thinking you guys can do. We also use Aldi, which is really good. Yeah. Yeah. $600 a month.

that's more than yeah that's more than i'm used to spending on groceries yeah but you guys go out to eat yeah i guess that's true i'll do i'll do 500 if you can do 500 do 500 but i'll allow up to 600 medical let's get those co-pays a couple what if you do like two therapy sessions a month what would that cost you each 200 bucks huh if we did two a piece yeah 200 bucks is that just for you all together let's see if that works what's the gym membership it's just mine which is 25 i think

Yours is 25? Yeah. I thought it was 15. No, I have the black card so I can take Blake. Ah. And you guys said you had a pet? Correct. Yeah, we have a dog. Pet insurance? No? No. I think you should. Yeah. Because that can add like a $5,000 bill to you because they eat. I guess it's the same thing as like when we got the vet charge was like, you know, like a thousand. How much for a dog food a month? $6,000.

That's $80. No. No, because it's, I mean, we get his food like once every three weeks and it's $40 for the. Okay. So $80? Maybe. Just pay $80. And your minimum monthly debt payments, $281 plus $25 plus $52 plus $25. We're looking at $383. Let's see where you guys are at. You guys think you know where you're at? Or is this like a. I took the test. We're about to find out. Yeah, we're not going to be great. How much hits your account on a monthly basis right now? $850 a week.

8.50 a week. 8.50 or 9.00 a week. Hits.

Just do 800 every week. That's what hits the account, though. That's not what's before taxes? No. Yeah, that's what hits the account. Times 52 divided by 12. Some months are longer. Some are shorter. 3,466. You guys have room. There's no excuse for borrowing from your grandma. There's no excuse for spending the money that you guys have. There's no excuse for being short. You guys have the money. And you're going to make more and you're going to bring in money. Honestly,

I mean, this is kind of simple to me. You're going to work part-time. You're going to get a full-time job making like $50. You guys are going to be able to pay off this debt pretty quick. Just pay off medical, then therapy, then Capital One, then the MasterCard, then the Apple Card, then even pay off the Ford Focus just to get rid of risk, get a fully funded emergency fund. I think you guys can do that in like a year and a half. Pay off the Ford Focus in a year? In a half. Yeah, because you guys are already making more right now.

then you need to live barely. And if you truly focus in and just tackle debt as the top priority, yeah, absolutely. With you making 50 and you working part-time, yes. Absolutely. But what would that be like a month just going into the car? Huh?

Well, after all the other debt is paid off, your minimum payments again are lower at that point. You'll have like an extra $100 to throw towards it. And then you're making again $50 and then you're making part-time. Probably making what, like $75,000 a year maybe, depending. Plus with paying less in taxes because of the kid. Just seeing those numbers makes me feel so stupid. And then if you guys are married, you'll have married tax benefits as well.

Is it a benefit to get married, though? Like, actually money-wise? Yes, you get tax benefits. I can bring up the exact... I just... In general, I don't know. Because, like, my mom always said it was easier not to. I don't think you should be taking... Well, easy in what way? Like, sure, yeah. Like filing or with kids? Do you... No. Okay. I believe you. I don't think you should be taking financial advice from your mom. That's fair. I mean, I can sit you guys down with our in-house CPA that... You guys can talk to if you guys want to be coached.

You get a higher standard deduction and lower tax rates as a married couple. Obviously, there's child tax credit and earned income tax credit as well. Oh, I forgot about this, but there's also the spousal IRA contribution. So one with little to no earned income like you, we're able to contribute to both of your tax retirement accounts, essentially almost like doubling your IRA, which is kind of cool.

And obviously, spousal and survivor benefits for Social Security. I mean, there's a lot of things here, guys. I should just probably stop listening to people. Well, I mean, I don't know the exact argument. I can't argue against it unless I know what it is. You guys have this? You guys have this? Yeah. Once you start doing your job and you're doing the part-time thing, if you're able to do it for a year and a half, let's call it two years to pay off all the debt, have a fully funded emergency fund, then you can figure out what you guys want to do for careers and everything from there. But that'll be when you can apply to the police again. So...

You guys just need to cut back. Pretend like you're living on nothing because you guys are living on nothing right now. You can't afford anything. That's not how I want you guys to live. Don't get me wrong. But this is like the literal reality of your situation. And you brought a kid into this world against their will. So live a good life for them and with them. And you can do that with simple sacrifice.

Like literally just simple sacrificing just for a couple years, which is absolutely nothing. You'll be 25 and you'll be 23. So, or you'll be 23. So there's just, that's nothing. We're in our mid twenties and you guys have a fully funded emergency fund and no debt. You guys will retire multimillionaires contributing millions.

If you do 50-30, 20-50% on needs, 30% on wants, 20% into investing. If I open up my MooMoo app right now, my brokerage that I use, and I buy like some S&P 500 or some SPY, and I compound that over the course of multiple decades by the time I hit 59 and a half, that's where your tax and energy accounts like the IRAs can be withdrawn penalty free. You guys will have a couple million bucks if we're actually making the money that you suggest you're going to be making.

And you're going to have a great pension program likely through your police force anyway. So there's a lot of opportunities here. Sacrifice for just a year and a half, guys. Your life is done. But instead, you guys have been acting like children. And you're putting your wants and vices over your literal child. Yeah. It's a pretty easy solution. It's literally just your sacrifice. It's literally just basic things. Spending a budget you overspent by double, zero out of ten. Your debt...

it's not even like the worst debt you guys just you're spending stupid so you're allowing yourself to get into bad debt three out of ten emergency fund nothing right now you drained it zero out of ten retirement i know you're nothing you started for your age i'm happy combining it as a household kind of pretending like you guys are married you're gonna put that at uh three out of ten because you're kind of anchoring down on that real estate zero out of ten for now

It's going to be a hammer financial score only rounding up 1.5 out of 10. Make sure to stick around for the post show. We're going to have Noah come in here who they seem to hate. So we're going to bash him. We're going to jump into some more drama. There are some things that we didn't get into that are on the more drama side of things, the more tea side of things. So we'll talk about that in the post show. You can go into the link in the description below. Also to make sure to check out all the resources there as well. They are what I use or would use in specific situations, including the best budgeting and investing programs now bundled at a lower price range.

Check them out join us for the post show today on the financial audit post show. We heard a little birdie Say you maybe have a touch of the tism I wouldn't be surprised. Yeah, I do anything like more expressive. Huh? Do you want me to be more expressive? I don't care you be you pick up on the social cues and stuff We're still going this is starting Because we get like you understand numbers and stuff to watch the financial audit post show click the join button below