Wife Forced To Deal With Cuck Husband | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Is he aware of the hospital financial situation? I think as much as he wants to be. I tried to have conversations about it. He's like, yeah, okay. I've been in debt. I've been out of debt. It's just a process. Well, the process has landed you in debt.

Hi, my name is Lily. I'm 33 years old. Hi, I'm Mark. I'm 40 years old, based out of San Antonio. And this is Financial Audit.

Thanks for coming on, guys. Thanks for coming up. So this, by the way, I've had the privilege or consequence of being able to say this only a few times in the show's history. This is one of the thicker piles of absolute paper I've ever seen. And shocker, 90% debt as tends to go with this show.

So I want to know first, what do you do for a living? I am a seventh grade math teacher. Okay. What do you make? Last year I grossed $68,000. And what do you do? I'm also a teacher. So I teach social studies. Oh, very cool. That was my favorite subject. How much do you make? I think last year, $63,000 generally is what I make. Why do you make less? Because I teach math. Wow. Oh, yeah. That's right. Okay. Yeah.

Going for the, you know, STEM route. Sure. So, cool. What is going on here? What do we got? What do we got here? Because I got such a big pile. Give us any kind of just...

for what we're about to dive into. What is happening, guys? So when we got married, I had... We actually had very minimal debt. When did you guys get married? In 2018. Okay. And I slowly started to try to build up our credit profile. And...

And because of my past transgressions as a young adult being a single mom, I had to –

get lots of little debts instead of trying. I tried to get like, like I had a credit card, right? And I tried to get more credit, but in order to do that, I had to get multiple credit cards. Because you were a single woman, you had a lot of past transgressions? No, I sucked at, I sucked as a single mom, like. A single mom, okay. Every six months that we were moving because I couldn't pay my rent. Okay. So. So we have a kid. We have three kids. What ages do we have? 11, five, and six.

Wow, a brand new one. Just spawned. Okay, cool. Wow. So you brought some of the past transgressions, as you said, to the relationship. So, okay, go on. So I tried to improve our credit by...

improved like getting more credit limits and things like that but because did you know this was happening along uh yes i did okay were you like authorized users cosigner yeah generally um i was an authorized user and it gets a little bit of both like we have some that are together we have some that are separate because if something were to have happened i didn't want to affect both of our credits so obviously mission failed yeah how did we

Phil, what's going down? So when our youngest was born, because she's going to be too soon, we had actually consolidated all the debt and it was completely, all the credit cards were paid off. Let me guess, you didn't change any behavior before you did that? Probably not. But also we got into a really bad car accident and I was out of work. We got hit by an 18 wheeler. Yeah. So I was out of work. No, they actually deemed us at fault.

So... Disability? We didn't get it until four months after the accident. Why? The investigation? It just took a while. Okay. So I was out...

for six weeks of work but then once i started going back to work because we're teachers this was almost two years ago no this was november or we got that we got in the accident at the end of october oh okay so for a few months we had to live off of just one income one income yeah and it was christmas and okay well we have it well that's not how that works right we have a hard time telling how that works i know but we also have kids

I just said that's not how that works. I'm sure they want things. I would love them to get things. If something tragic just happened that prevents us from literally getting things without f***ing ourselves, I don't think we are getting the things. Sure, but... Have a Christmas in January. They're all young. They don't know what's going on.

I mean, sure. I mean, two of them probably don't, but it's hard when it's not even like the Christmas presents. It's like we want to go out as a family together and they want, they're just. Want, want, want. That's fantastic. I know. That's great. But why does want supersede love?

Literally living a better life as a family. It was also buying groceries. Well, that I'm not opposed to. We pay the majority of the bills in the house. What's the majority of the bills? Yes, because we have nine people living in our house. How big is the house? It's a five bedroom. It's like 2,800 square feet, five bedrooms. We converted the garage into a bedroom. Wow.

Who are these people? His mom and dad and his two brothers. And your two brothers? My brothers weren't living with us, but then I guess, you know, life happens and you have to kind of come back home. Yeah, one sold his house because he inherited it from their grandparents. They had a reverse mortgage on it. For whatever reason, it just fell through. Did he get anything from the sale? Yes. He got $100,000. Why didn't he put that?

Towards the living on its own? Oh, whatever. Okay, so you pay the majority of the bills. That's a valid question, but I can't answer that. What's like the... Is it rent? Is it mortgage? No, we own the house outright. Okay. See, in that case then, how could we not live off the 63? Yeah. I mean... We did it successfully. For a while? That's what I was trying to get to. What do you mean for a while? It was only four months until you got disability. I know. So how do we fall into such...

How the f*** did this happen only a few months ago? And we have literally barely any overhead. Other than obviously groceries. The credit cards were from then, but the credit cards was from this time. Which is the majority of this. Yes. At least individual. Yeah. Okay. I want to hear what this is. Some of it was, I mean, I guess some of it was when our AC went out last year, but the majority of it, yeah. You financed that? Yeah.

That's how we started slowly accumulating debt on the credit cards again because we had to buy a new... Because RAC went up. Because we bought a new window unit for our bedroom. And that... It just spiraled into...

let's put it on the credit card or i leave my debit card at home and i'd use my debit my credit card you guys like just sat down what do you do you guys have financial goals as a couple as a household as a family we try what do you mean we try what does try look like because we're not trying this isn't trying this is not trying you're right i tried to um have conversations about it and it just he's like yeah okay sure

But I feel right now she one of her goals is to open up a coffee shop. So now once the debts. But there's so much. What? How physical? So my point is the goal. The goal now can have some sort of focus when before we were just kind of. Is that the right goal for our household? That's one of the goals. I don't think it should be. We should just have one goal.

And she said you just like nod your head yes when talking about the financial goals. Are you aligned? Are we aligned? Me and her aligned? Well, she just said like she says the financial goals and you're like, uh-huh. You said the financial goals. Could you give an example? Like when I say, how much do you think we should spend on this this month? And you're just like, yeah, whatever.

or I tried to say or I tried to say hey I'm gonna pay off but is it followed do I have do you follow up with you guys budget no we don't we know we don't have a lot of overhead I try I think because you ever made a budget together no not together why

Because I think it's combined. Yes. Yes. Then how have we never made a budget together? I think it's just he's he's like, yeah, you pay the bills. I feel like I feel like our budget, you know, the budget she makes is our budget for the most part. Do you even know it? I look at it. I reflect on it. I talk to her about it. You reflect on it? Yeah. Do you guys sit down and go over the past month's purchases together and how that aligned with this?

Magical budget? We do for our big expenses like going out to eat. We track that. How is that a big expense when we have so much debt? It's just one of our biggest expenses. How? If we have so much debt, how? So what you're saying is because we have debt, we shouldn't eat. Out. Out specifically. Okay. I'm guessing it's not a cheaper way to feed nine people or five on the minimum. For sure. Right? Yeah. Yeah.

Whenever we're spending like that, it's always like this. We're in this position where we're like sniffing, you know, smelling the roses kind of. I think he also likes it. What roses? This is a pile of shit. I think he likes to take advantage of a woman's time of the month. What? In terms of eating? Yes. I mean, I've never heard about that for restaurants. What are we talking about here? Because when...

when every woman has it right and typically that comes with cravings and so he's like he's you know he's like hey let's uh let's go you don't need to cook right now let's go here let's go there him and the oldest are bad about that and you can't say that you're not depends on what oldest is 11 why are you listening he's like hey let's go to let's go to chili's just put them in front of a movie that's what we did it's because y'all have snacks that's why oh we do have snacks it's true

Okay. He didn't get to be the big boy that he is. Noah's not happy that I just said he goes through menopause. So he says, he says I have a, an aggressive post-show surprise. Great. We did, we did bring you an offering. So you'd be a little nicer to us.

I do have bad news. - You're not gonna eat it 'cause you're trying to lose weight. - Yes, I've been a few, looks good. You even put the little salt flakes, yeah. - I also made, so these are chocolate chips. - Oh, they smell incredible. Stop it! I've been successful for a couple weeks, a few weeks. - But you can have one. - Two to three, I'm down a decent bit.

One? I don't know if it fits in. So the big financial goal kind of ties into the cookies though. Okay. So the reason I want the coffee shop. Okay. We have a five. To sell cookies? Partly, yes. You bake goods and coffee. Why don't you open a cookie shop then? Because I really like coffee. Oh, okay. I like coffee too. So my. My breath probably smells like coffee. Sorry, but. No, you're good. Mine probably does too. My, our five-year-old is autistic. Okay.

And through him, I've kind of learned. I've never been diagnosed, but I'm pretty sure I'm autistic as well. Do you agree? Do I agree? Yes. Okay. But I want to open up the coffee shop to employ autistic. No one you want to be fat. Look at them. They just grab those cookies and they're just throwing them down back there. There's also matcha white chocolate. Those are delicious, y'all.

So, you know, they're green tea. They're good. They're good for you. And if you don't want them, that's okay. But they're going to go in a safe spot after. I got them. They're all y'all. Y'all can. Men are not supposed to have. And I got. So I can't eat them cookies.

So I want to open up a coffee shop to employ autistic, high functioning autistic people to teach employable skills for them. So you're opening a business for not to make profit? Well, yes. Profit's one factor, but it's not the only factor.

I know, but that's usually how businesses stay in business. Right. So if you have ultimate, like for example, we want to help a lot of people here. We want to help a lot of people here that aren't just on the show that are in the audience. We want to contribute a lot to like local communities. I have so many ambitious things. Can't do that if the business doesn't stay open. So the business has to make money. So we already have so much debt, but we're considering, is this a brick and mortar? No. No. Truck? We want to start with a truck. Yeah. It's still expensive. What are we talking? $100? $100?

I don't know. 50 to 100? 200? My brother... So my brother-in-law... Not my brother-in-law, my brother told me that he would build me the truck. I would not trust that because that's like the family project where it's like, yeah, then they do it for a couple weeks and then it's just like, oh, life's got busy and... You're right. Attention business owners. What if I told you there's a way you can cut your business operations costs almost instantly?

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Would he own an equity position in the company? Or he don't want his money back. He's talking about just getting his money back plus interest. What's special about your coffee? It's really good. I also make everything from scratch. So all the syrups. That's interesting. I try to do everything completely. Well, you'll be happy to know that Noah says this matcha cookie f***ed hard. And that the chocolate chip cookie also f***ed.

They're really good. Used food trucks typically go $74,000 to $165,000. New food trucks, $124,000 to $265,000. I'm assuming everything. I mean, that sounds like that's the fancier ones with grills and fryers and all of that. I wouldn't need any of that. I would literally need a cargo trailer with the espresso machine. Have you seen how much it costs to open up a coffee shop, dude? The equipment to...

I mean, I know the espresso machines alone are like upwards of 10,000 brand new. Yeah. 10, 20,000. Okay. Okay. Okay. That's the end goal. And then obviously you need city licensing. We got code things. We got all that. Then you got to pay for a place to park. Okay. But I think that's the end goal. I want to start heading into the... Okay. It's just... Oh, okay. I mean, okay. That can be a goal. I'm just going to...

That makes me a little nervous to hear that we're talking about something so expensive when there's so much debt. Now we're about to go into the debt.

but i want i'm going to count three two one go and on go i want you guys to give me your household financial score your household you guys as a family group you and the three kids how school and financial score zero being the worst ten being the best ever ten being the best ever zero being the worst ever i want to hear where you guys think you guys are at self-assessment so again it's three to one go and then i'm gonna and then you say it on go three two one two four okay

So you guys think you're average? Maybe I'm generous. I don't know. Well, do you? So it sounds like maybe you're the person that kind of oversees a lot of the finances. Are you even aware of the household financial situation? Absolutely, I'm aware. Okay. Is he aware of the household financial situation? I think as much as he wants to be. He's like, the bills are paid. I'm good. I have food. I can go outside and meditate. I'm good. Outside and meditate. Okay.

Well, the fact that you guys have credit ones. I mean, let's just start there. The fact that we have credit ones and a lot of credit ones, many of the credit ones essentially indicates we're in class because that's like the bottom of the barrel. Yeah. Yes. I wasn't aware of that, though. And I got I was not aware of that. They show up in the mail. Yeah. Yeah. Interesting.

It's the one like because it's the one that they instead of giving you a credit line increase, they just open a new card for you. Yep. And then there's fees attached to that new card and it just $1,476.83. $75 minimum payment is what you made to it. Now it's 74. You made $26 of purchases. What is it? What is it? Why are we purchasing on a card that has $35 of interest accruing?

26 dollars? Is that one of those baby bottles? No, it's... The Quixie. An app development service? The reflexology socks. Oh, nice. It was a Mother's Day gift I got for her. And his mother. The Quixie? Yeah. They're like socks that have a thing that tells you where... Why are they on the credit one, though? Why do you even have this? Because I didn't want her to see it.

Or I thought maybe she would. But in my head, I was thinking off the cusp. And I was thinking, hey, if I put it on the debit card, she's going to be asking me questions. I think he was scared that it was shady and he wasn't going to get them. Yes, and then also it was shady. So I didn't want to put my debit card number in. So you're putting it on the shadiest of all the credit cards. To be clear, well, let's talk about deserve.

This thing's getting obliterated with interest, and you're literally adding to it. So because of that, even though you made a $75 minimum monthly payment, the balance only went down $12. Yep. And that's what starts to happen. 4 out of 10, I think not. Right away from one main financial. We owe $739 here and $0.58. $51 again, please!

Purchased more than the minimum monthly payment and then the balance went up because we then had $16.14 of interest. Why? $25 minimum monthly payment. But why? Why are we putting more money on it than the minimum? What are we doing? This is two cards in a row now, guys. I don't know what's on there. You don't even know? I don't remember. What are we doing? Well, I told you I forget my debit card at home a lot.

No, you need to chop up your credit cards, close your accounts. If you're going to use a f***ing credit card, use the Fizz card because it's a charge card. So you're forced to pay it off. Michaels! And the children's place. Oh, yeah. My daughter got, um... She soiled her pants and I had forgotten to pack a change of clothes for her. How about let's stop forgetting our debit card and stop forgetting f***ing change of clothes for things that are s***ty diapers. Yeah? Yeah.

I mean, yes, but also I'm not going to let her walk around with pants. No, of course not. I'm saying prepared. I know. Prepared. Oh, you know what? I think that was from because of the oldest. Remember he was having that event at school and that's why I didn't want her to look a mess there. Not that it helped because the middle child ended up throwing up. Oh my gosh. It was a tough day.

Just be glad you don't have kids. I am. Thank you. That's what I was thinking. I didn't want to say it because it was... No, you're good. We love our kids. They're amazing. They're super smart. It's just... Smart enough to shit their own pants. Well, you know, they haven't been taught yet. And the five-year-old doesn't understand yet. It's okay. I have to clean Noah's diaper every day, too. Hopefully you didn't do something weird to those cookies so he's not obliterating those pants in the post-show. I did not. They are not sugar-free cookies, I promise.

I just don't want her to like go out into the public and people be like judging me for being a bad mom if she has dirty pants. No, of course I get that. Do you usually pack spares? Typically, yes. Okay, so there we go. That's all I'm saying. It's like the debit card. We can't like just have like a list on your way out. We're back to credit one, $521 with a $30 minimum monthly payment.

This was all purchases. 526,000 purchases on the worst card. A hotel stay. Yes. Where'd you guys go? We went to Corpus with our kids. First of all,

No, was it Corpus? No, it was Port Aransas. It was Port Aransas. Okay, I don't know. I mean, it's basically just the island off of Corpus Christi. Okay. Why, guys? Why? The spoiled thing in the last one, the gift in the first one, now going on vacation, we have a goal. Like, okay, I think we could probably have better goals, but I get it. You want to open a food truck. That's fantastic. Cool. We have a goal.

We are pushing ourselves so far away from them, from building our debts and not even making any progress on them. We're getting further and further away. So what is the point of even having a goal without any action? What are we doing? I mean, why the fuck are we going on a trip? I put it on the credit card.

And then my plan was that once we, when we got paid that next week, I was going to pay it off. So you couldn't afford it. Go to go when you got paid then. Well, we actually did have the money in the checking account. We just, then what? I just, I don't know. All credit cards. Credit one is where we put it. I think I was scared. I, I,

Growing up. I wasn't given stuff growing up. I was deprived of things growing up. And so I don't want my children to go through that. But then at the same time, I want to... No one's saying deprived, but you also just can't afford it. Well, you know what? You're depriving them. You're depriving them a future of you guys being able to retire comfortably without them having to give up their own goals because they're going to have to fund you guys because you're choosing to live in debt right now. You know what you're giving up? You're giving up paying for their college because we're choosing to live in debt right now. You're depriving them of that.

Because we want to go on a port, Arkansas, whatever. And one of them might remember. The other one certainly won't. And then one will. But I think he can handle going in like a year or something.

I mean, yes, probably, but also making memories with our kids is important for us. Memories is great. And we can do a lot of memories. A lot of my fond memories when I was a kid is we would go to the... We'd stop at a hot dog stand and get 50-cent hot dogs, and then we'd just go to a park and throw old bread to ducks. So you killed all the ducks? We didn't know that at the time, but yeah, duck genocide. It was incredible memories. And...

And that's cheap. That's not us going on a... We have those dates too. Good, but we don't have to go on a vacation and spend $526. And then you got to get food while you're there and then you're doing attractions most likely. No, we just went to the beach. Okay, well, that's fine. San Antonio, do a day trip to the beach. Drive back in the middle of the night. We've done that too. Yeah, there you go. Have we? When's the last time we drove to the beach for the day and then came back home? Go to one of the lakes. I know it's more rocky, but...

I love camping. Yeah, and camping can be pretty cheap. She's not a camper. She's one of those, like, does it have AC kind of thing? That's a lie. The last time you took me camping, I was eight months pregnant. That's true. And I had to sleep in the car. More Credit One. This one's only at eight bucks. Oh, yeah. That one I don't really put anything on. This is an annual fee because I would just close it. You're literally losing money not even having a balance because Credit One is so... Yeah, we should close it. Guys, I need you...

I'm sending you guys through our investing program. Just like every guest gets access to you. Sorry. I keep saying the investing one because that's the one that came out. Yes, you'll get that. But I'm talking about the budgeting one, especially for you guys. You guys need to sit down. You need to learn what it actually means to make sacrifices and do budgeting. Take the quizzes together. Sit through it together and actually learn how to budget. Do the investing one as well. But obviously, we need to get out of debt for you guys first. Okay. Sam's Club. We have a Sam's Addiction.

Yes. A grocery addiction? Or the alkaline water? Buddy, I've seen people be stupid as f*** at grocery stores. Just because it has a grocery store name doesn't mean... Have you walked into Sam's Club? The whole first section is f*** TVs and phones and computers. That doesn't make me feel comfortable. I mean, we aren't buying TVs.

That should not be. No, instead we're going on vacations when we can't afford it. Well, you know. $678 balance with a $29 minimum fee payment. This is going to start stacking up. We're so blessed to not have overhead for our housing situation other than insurance, property taxes, and utilities. But you're just offsetting that by going into debt and just f***ing around instead of actually sacrificing and being adults and getting out of it. $16 of interest accrued. Luckily, I don't see any purchases.

Thank everything. I think it's on the other one. Oh, good. Well, that's fantastic. Do you find it funny? No. Do you find the debt situation funny? I mean, not as serious as you probably see it. Why? How? See, that could be dangerous. That could be dangerous, not just for your future, but for the kids' future as well. That's dangerous. Dangerous, yeah.

or just dangerous overall? Remember what happened when she was out for only just four months? These are minimum payments that are stacking up that are due on a monthly basis. What happens when our income gets stuck in half because an 18-wheeler has a little whoopsie-doopsie? What happens when a kid gets sick? What happens when one of them wants to go to college and you're like, I don't want them to go into the loan debt. What happens if we ever want to retire? I'm glad you have some state funds, but...

It's not like they do incredibly well anyway. I mean, I've been in debt. I've been out of debt. And now you're back in. It's just the process. All I care about is where we are. It's just the process. Well, the process has landed you in debt. Yeah, again. Just because you've been out doesn't mean it's good. Right now we're in. In a lot. Oh, this is a car. This is like a half a salary car. Yeah. This is the principal balance. What is this one for $31,300? What is this car? A 2021 Toyota Highlander. Yeah.

So it's in our name, but it's his mom's car. What? They took over the payment for us. Not for us. Well, when we... Are they on it at all? No. Okay, so you gave it to them? It was either that or they didn't have a vehicle. They needed a $31,300 vehicle? She kind of pulled... Not pulled rank, but she kind of asked us if...

Well, if we're going to trade it in and get another car and she was like, hey, can I just make the payment on this one? And because they couldn't they wouldn't have been able to be approved to get a car. If they weren't able to be approved. So we were risky. Is it real for your credit is relying on them making a six hundred and twenty five dollar minimum monthly payment. It's just as risky as her not having a vehicle. 750. What? Just as risky as her not having a vehicle.

Not to your credit. Picking up the kids, still working. Well, it's not risk. I think he's saying if she didn't have a car, they wouldn't have been able to get... Because sometimes they'll pick up our kids if they're sick and stuff from daycare or from school. I got that, but even an Uber a few times a month is cheaper than this.

No, 100%. $750 a month? We live in the middle of nowhere. I don't know how cheap it is. You guys said San Antonio. We're like on the outskirts. We're in a smaller city outside San Antonio. Okay. Well, I still promise you you can get an Uber. This might take a little longer. Either way, that's not even the main thing here. All I'm saying is there is a big risk that this is in your guys' name now. Still.

And you have to rely on them for a minimum. What's their income situation? His stepdad is disabled and he has SSI, but plus long-term disability. And then my mother-in-law works at a bank. She does wires. Okay. Yeah. She makes about 60. Okay. Yeah.

So we're relying on a lot. And now they live with you guys, right? Yes. We kind of moved in with them. They asked us to take over. We're going to do our own thing. Yes. Do you guys want to move out? I think I would more than him. I don't think I would want to. I grew up there. Well, that's the split. What do we do when one person doesn't want to be there and one does?

- I guess it depends on how much you don't wanna be there versus how much I wanna be there. - I deal with it. I mean, it's fine, but she had asked him for us to move in and put him on the property because she was in the rears and they were filing a lawsuit to take the property and her dad built it in the '70s. - When did you guys move in?

When did you move in? Because you moved in before me. 14? 2014? And then I moved in. I mean, I left, obviously. And then he came back. Was working downtown. Had my own spot for a minute. Did my adult thing. But then she lured me back. I think she added him back. She asked me to come back. I think she added him back in 2000. Or added him onto the deed in 2018. Oh, you're on the deed? Yes. Okay. Okay.

What's it valued at? Do we know? Yes. Ish? What? So we have property with the house that's worth about $325,000. And then we have two other pieces of property that's attached to it that's worth about $75,000. Two other pieces of property? You mean houses? Land. Land. Okay. Worth $75,000? Yeah. Okay. Yeah. $750 payment in the hand of others. One makes an okay income. Okay. Okay.

It's a little risky. Yeah. It's actually very risky. It's getting a little more risky because his mom is actually out right now on short term because she can't walk because of her knee. Yeah, as of a week ago. But she has insurance. That's why she has it. And she can work from home technically. She just has to get them to approve it because she works with high risk. What's the interest rate on this? 11. Are you guys prepared to make a payment?

When she can't? I mean... When and if? We've been waiting. Monthly, we've been like, hey, whenever she drops the ball, we have to pick it up. Okay. Thankfully, she hasn't yet. Are you financing a car for someone else? Especially someone that might not be able to make the payment. Make sure you apply to be on the show. CalebHammer.com slash apply. We'll talk about it. Avant. Avant. Avant. Oh, jeez. Interest charging $40.00.

Oh, I thought this was purchased. Oh, it is! $85, 54 sets of purchases! More than the minimum monthly payment, of course. I don't remember using that card. $1,569. How do you not feel this is bad? 13 lines of credit, if I'm not mistaken. 13 lines of credit, and you don't think that's bad? You don't find that to be stressful? I don't find that... Probably because you're not the one looking at it.

I mean, my emotional state is more important than me feeling bad because of something that short term at least I can't really impact. That doesn't make sense. How can you not impact it? Short term. No, that doesn't make any sense. You have control over your income. You have control over what you do. But do I have the money to pay everything off in one month? I don't.

You mean short term that way? Not even like six months? Do I have the power to pay it off in six months? I don't know. Maybe. But I'm thinking month to month. Is it ignorance is bliss type of situation? I mean, in part. But the other part is I'm more valuable than the debt that's there. So it's the game and I got to play it. So I'm not going to... The game? You're losing the game. We're in debt. Depends on your definition of losing money.

Well, your net worth is going down because of the debt, so you're losing that game. Sure. Capitalism. I mean, yeah, that's the game. I mean, the deed is good. Glad you got that. It wasn't of your own doing, of course, but... It's still my right. It wasn't of my doing, but... Well, right, because someone else chose it to be, but yeah. I don't know.

It's concerning that you don't find it concerning. I mean, I find it concerning, but not enough to yelp about it or just kind of get emotionally distraught. How does it not emotionally distract you, though? Because that's kind of wild. I mean, it depends on your outlook of how I perceive money, the value of money in this hyperinflationary time. Hyperinflationary time? Inflation is 3.5%. Yeah. Hyperinflation is like 50%.

I mean, we can manipulate inflation, but bottom line is it costs a lot more to live. It's going to cost more every single year. If you don't take control of your debt, you're just going to make it worse for yourself. Yeah, but I'm not going to be in a bad mood while that's happening. While I'm making the payments, be like, I'm so much in debt. Making the payments, buddy, we're only making the minimums and we're only putting more on them.

That's what that kind of mindset gets to. I'm not saying sit there, cut yourself because of it, but actually put in the work, understand the situation. If you don't know the situation, you don't know how dire it is and the consequences that can come with it. How can you put in the work necessary? And guess what? We haven't put in the work necessary. So it sounds like we're losing the game. Sure. That could be a way to look at it. Are you so lax about everything else, every other concern, every other problem that pops up? Depends on your definition of lax. I don't know. Well, the way you are with that.

Putting your head in the sand. I mean, no, I see good. I see everything, you know, the good and bad of everything. What's the good of this?

uh i get to live i get to eat because of debt no sometimes that's how it goes sometimes i have to be in debt to do the things i want to do what about the power of your income you guys make over six figures we do why would you need debt why would i need debt if i make other than property it's a it's a it's a tool it's a tool to use we're not using it as well as we can at 30 that's a good tool

No, that's not a tool. That's a hammer bashing your head in. You made me aware of that. Yeah. For sure. Okay. So $54 minimum payment on this one. Again, these are stacking, stacking, stacking all day.

Went to a clothing store, Apothodology. Anthropology. Anthropology, yeah. I will say I didn't buy clothes. Oh, what did you get? Little bowls? Little fancy bowls? Cups. Yeah, little fancy cups. Because I make coffee. Because that's more important than paying off debt. Because I make coffee videos. Coffee videos? Yes, I make coffee videos making coffee. And I left my debit card at home. I was with my nieces. Coffee videos making coffee. I hope so. They're like those glass cups that have like little charms around them. And they're super cute to make videos with.

And I don't know. I like them. Although my son decided to break one of them. Which one? Which son? Or which cup? Is there only one son? No, there's two. The oldest. I only have the youngest is a girl. That's it. Naughty, naughty. She's crazy. Yeah, I don't think we're buying overly expensive little cups when we are literally the balance of this debt went up.

Again, is there any debt we've seen progress made on so far? No. You said the one went down $12. It was something. Oh, God. What am I doing? Okay. And then Dave's hot chicken because, again, that $50 is more important than getting out of debt and getting to the one goal we have. I hope we can sit down and define our goals a little better.

And this one's a 31.24% interest. That's wild. That is insane. I don't even know if I've seen that on a credit card. Capital One. At least we got to a normal card. I've had that one since I was like 18. It's a classic intro. I think it was my first one. Yeah. Balance, $740. It's going to take forever to go through. Oh my gosh, this pile is so thick. This is a thick pile.

$25 minimum monthly payment. Oh my, kill me now. More purchases, $8.53 with interest of $8.22. Guess what, guys? The balance, shocking, believe it or not, it's only like behaviors being demonstrated on every single card so far, but the balance went up. Consolidation was a bad move for you guys because you guys don't know how to manage that. I would close down your credit cards. I would close the accounts. Like, close them and burn the cards.

Because you guys just can't manage it. You don't have the discipline to manage it. It was for a Wi-Fi data service for your car? It's the OnStar. OnStar. Okay. It's like the Toyota, like, whatever. You can, like, see all this stuff and start your car from the app. From the app. Like Remote Start. You can't do that with your remote? No.

So you have to pay a subscription for that? And it's like a package. Not even Tesla that loves subscriptions makes you pay for a subscription to start your fucking AC. It's like a package. You can see the car. You can unlock it and then start it and OnStar and all that. And being able to see our car in an app is worth not getting out of debt? You know, I forgot it was on that credit card. Would it matter? It's still a bill that could be going towards that.

I mean, that's true. I think I just, because it was only $8. I don't think about it in terms of... We have a solar loan. Yeah, that's an estimate of how much we owe. So they switched companies and I don't have access to the account. It just comes out automatically, the payment. It's like... What's the payment? $360. These minimums.

I think that one's a good interest rate, though, because your grandpa's cosigned for it, right? Well, it's considered a good interest rate. I think it's less than 5%. But I don't know. I know it's for 25 years. That's all I know. And I'm not opposed to solar either because, I mean, what is it? It's like a decade. It breaks even in like a decade. And obviously, this property's been in the family for a bit. And it sounds like we definitely have attachment to it. I'm assuming it's on the one you guys live in, right? Mm-hmm.

It's not always the worst thing. The one thing that just really sucks about solar is every time you get solar, just next year, a much better version of solar comes out. Probably. Yes. So the thing that helps us because we have solar is that we don't have central AC in our house. So everybody runs on window units. So in the summertime, our bill could be upwards of $700, $800, $900 if we didn't have solar.

You'll be surprised to hear this, but I've actually had quite a few people on the show that have had solar and that 5% is actually one of the higher ones I've seen. Of the interest? I think it's less than, I don't know exactly, but I'm pretty sure it's less than 5%. I don't see like 2%, 3%. I don't even have access to it. I tried to figure it out, but I couldn't. Either way, it is another minimum monthly payment. Yeah. And the thing that triggered... A lot of solar can be picked up and taken to a new place, though, if you guys do.

get another place we the reason it triggered us getting it is right before i moved in we he there was a our electricity bill was like 700 and he forgot to make the payment and it um turned off our electricity and then there was a reconnection fee and stuff so when i moved in why don't you have auto payments he didn't do it back then i set up auto payment for most things

I mean... He would just go in and pay it because at the time he was working for tips, so he'd have to go in and pay cash. How are you guys deciding how and when things get paid? It's just like... And like who manages and... Oh, I pay everything. It seems like a mess. Okay, so you've taken control? I pay everything. Okay. It's the... I go in and I... Democratic Republic of Lilly? Sure. Okay.

Okay. Which might need to be how it is to make sure we don't miss payments. But I also want to just make sure you're aware of everything and that the goals were fully aligned on and we know what's happening. Especially since you have the ability to spend as well, of course. Destiny. Second time I've seen this card. $214. 58 cents. I don't think I used it. Balance actually went down. Yay. We had interest charge of $7.10. Minimum monthly payment was made. It's $40. $40.

We didn't have any purchases. Probably because we lost the card or something. No, I have that. We are basically halfway through the year and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high yield savings accounts there are, but you can also get $300 for free with qualifying deposits. You can also get FDIC insurance up to $2,000.

$2 million on your money and get 4.6% on the money that's just sitting there. It's exactly where I put my money. Why let your money lose money when it could be making money? It's the biggest no brainer in the world. Open up a SoFi high yield savings account now and get that $300 for free. No.

It's a 35.9% interest rate? That's the highest I've ever seen on a credit card, and I thought you guys already passed that. I've never seen that. 35.9%? I remember when we were at 25 just like two years ago. I was like, aren't most credit cards like in the 30s? Unless you get like that special introductory one because you have perfect credit. Bad ones are like 29.99. Apparently not. Yeah, apparently it just didn't get as bad. Oh, here we go. We're back to just being stupid. Hey, that's a normal one.

What? This is a normal credit card. It's not abnormal. Yeah, but you went and purchased again. Did I?

Yes. How do you? I don't remember. I'm telling you, a lot of times I just grab a card. Then I'm like, oh, I don't think this one has a big balance. Okay. Okay. You know what that tells us? That means that we can't have the cards. You just can't have them. You can't have them. Yeah. I should probably put them in the safe. No. But then if I take my debit card, I can't get gas. Oh, then you're stranded and you deserve it. Have a checklist when you leave your house or just keep it in your purse at all times. Your pocket. Like, I don't care. Put it on the back of your pocket.

your phone that's how i forget it i put it in my pocket and then i don't wear those pants back a phone back a phone had maglock oh i don't like those i don't care i'd rather you not like it than be stranded 226.55 cents 21 of purchases five dollars of interest minimum monthly payment 35 we're stacking i don't know whose credit this is but 623 is not a good score that's mine

You know your credit score? It's about the same. I think it's about the same, yeah. Oh, see, it was HEB. The income to debt ratio. It was still purchased on a card that's accruing interest and has a minimum monthly payment. Your $%$% goes with the minimum monthly payment and the interest is accruing at 27.24%. It could be on a debit card where no interest is accruing. I actually think that was Gap. Either way. It doesn't matter. It's still purchased whether it be necessary or not. It was on a card that you're not paying off.

You're going to hate that I'm going to say this, but do you want to know why I put gas on that card? Why did you put gas on that card? Oh my gosh. Do you know what I'm going to say? Go ahead. It gave me 5% cash back. Okay. That's why I did it. Tell me why that's wrong. Because I pay more in interest, but... Yeah, how much more? I have like... How much more? Too much. How much more? I don't know. What's the interest on it? You pay 22% more. You got 5%. Yes. Okay.

Then there's an additional 22 because it's a 27. Yes. So does that make sense? Probably not. Probably not? How is it probably? How are we at the word probably? Probably? What's a bigger number, 5 or 27? Math teacher? Well, my kids will try to argue that 5 is more than 27, but that's another story. And would they be right? Obviously not. Okay. Fortiva credit card? Okay, so we just found every credit card that existed.

I've never heard of this one. They sent it in the mail too. Oh, great. $794. I'm just going to start sending people. If it's just about making money, if that's just what it is, apparently the business to get into is like, here, I have this high interest rate debt. Let me just send it to random doors and people will just take it out and max it out, basically. Now you're halfway. Maybe I'm grumpy because I can't have cookies.

You can have the cookies. You just have to say yes. No, no, no, no, no, no, no, no. They're delicious. Self-control, guys. But it's green tea. They're good for you. No. And it has caffeine because of the matcha. Your boy is single. 200 grand. Your boy is single. And I already have a disadvantage of being below six foot. Yeah, that's overrated. Tell the right and left swipers. Really, the only thing I have control on right now is...

Wait, so we are not eating cookies. $794.76. $60 minimum monthly payment. $12.50 of fees? Oh, it's a maintenance fee. Of course, this card just makes so much money off of you. $23.17 of interest charge. Great. Then you made the minimum, but at least you didn't purchase. Thanks. I think everything in the world. I think he has one too. It's at $34.49. I don't know how you guys found these magical cards.

Almost impressive. They just showed up on our doorstep. Almost impressive. Oh, my gosh. We're still going through. It is 48 minutes into this, and I am still going through debt. What are we? 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11. This is 12. Merrick Bank. Yeah. Okay. $675.22. You know what? The fact is, a lot of these balances are under $1,000. Yeah, but see, they're not maxed out. Wow!

So your question of can I pay these off in the next month? Yeah, a lot of these you could. Noah just ran to the bathroom and I think he's taking a sh** from the matcha. No, he's not. Emergency liquid. $51.88 of purchases. When interest is charging, we're doing it again. We're just constantly doing it.

Just ruining everything. Bill Miller barbecue because that was more important. Rush Fun Park because that was more important. Because fun is more important. Fun is more important. It was a birthday party. Oh, good. Oh, good. Happy birthday. I'm going to get out of debt. How about that? And I'll get you better gifts in the future. Well, it wasn't our children's birthday party. We had to take our son to a birthday party. And we had to pay for the younger ones. Sorry, kid. No gifts for you. I'm trying to pay my debt off. Wait. Wait.

We took our oldest to a birthday party. We had to pay for the two younger ones to enter the park. Yeah. It's the only thing I would be okay with. Not going to deprive a kid from going to their friend, their friend at school and stuff like that.

We have a thing called the TP fund that I'm putting in your budget, and that's where little things like that go. We try to. Bill Miller barbecue, absolutely not. You're right. Absolutely not. But it's the closest thing to our school. I don't give a shit. What the fuck does that mean? You know the closest thing to you when you wake up? The refrigerator. Get some lunch meat, put it between some bread. I agree. Another Sam's Club. Told you we had two. We're fans.

They're fancy. You trust me. They're making that money. Because they charge $12.71 interest on you. You made a minimum payment and you didn't purchase anything. Thank you. Oh, I didn't. Yay. Sometimes when I purchase for delivery, it automatically charges the card. Guys, we shouldn't. That's not something we should be surprised or clapping about. Oh, another car?

The minimum of the payment is $1,095? Yes. What did we get? It's a minivan, isn't it? Yes. Oh, I didn't know those still existed. It was really hard to find this one, which is why we had to... So...

We had the Sienna. The Sienna is the one that we got into the accident with and it got totaled. This? No, not this one. This is the new one. It was a red one. How did the insurance work for that? Did you get it? Did it pay off the remaining? Yes, it paid off the remaining. But in November, we had gotten a Prius.

Didn't work for our family. Why'd you get the Prius then? I tried to convince her to get the van, but I think she was emotionally distraught with the accident. And she was thinking, hey, this is different. We're going to save money with getting better gas mileage. It was an electric Prius. So it was... I thought they all were... I don't know. The majority of them are hybrids, but this was a prime plug-in. So it did partially gas, but partially electric. Okay.

So I got like 75 miles a gallon. Sure. And then the payment was lower. But three kids in the backseat of a Prius is not. Probably not. Not considering my child being 5'3 and 160 pounds. So it was hard. 5'3 isn't that tall. No, but 160 pounds between a car seat and a booster seat doesn't work. Send him to the fun park somewhere. Yeah. Bounce around. So we ended up. No more cookies.

He needs to be on the Caleb Hammer lifestyle. Yeah, he likes those cookies. He got mad because I wouldn't let him eat any of them. Yeah, let's keep that up. So we recently traded it in to get this one. Oh, gosh. Wait, did you have to exchange some of the loan balance into this rollover? Not a lot, but yes. But you did have to. Yes. A couple thousand. First of all.

I did not grow up wealthy by any means. Lower middle class for the vast majority of my life. Luckily, my youngest brother, who's going into high school soon. Whoops, babies. Yes, that's what happens. Lives a better lifestyle now because my parents ended up making some good choices. But when we were poor, dude, and they just had a beater ass sedan and all three of us. Yeah, we sat in the back.

I know. It's called literally just not being able to afford things. You guys can't. This is insane. I will say being in this, in the van makes us feel more secure. And like we were in the Sienna when we got into the accident. Yeah. And so being in this one now, we feel safe. Like the,

The 18-wheeler hit me dead. Like my door, my daughter was in the seat behind me. And it ended up nobody else got hurt but me. Sure. I had to have plates put into my collarbone. Wow. But that was the only thing that happened when if we were in anything else, we would have died. If you look at the pictures, I mean, it was completely totaled. So...

us emerging alive is a miracle. I wasn't even a fan of the Sienna until after the accident. Then I realized, holy cow, if we can survive the 18-wheeler, I feel pretty safe. So I'm happy to be back in a Sienna. Safety is great. I don't know about the Prius. I mean, they all have their different safety ratings. You can look into it. And yes,

Technically, it can help with some things as far as I understand. But it's not like other cars are just magically dangerous either. No, but these have roll cages. These are like tanks. So if you imagine a race car, how they have those bars, that's how it protects you. Okay. What's the balance of this? $48,000. We just got it. How many months? 75. You're not going to like the interest rate either. What is it? 18. No, are you...

My life. No. What are you doing? What are you guys doing to your future, guys? Well... How could you sign this? How could you see the number 18 and sign it? At 70-whatever months, with that minimum monthly payment. You guys are lucky to have a mortgage hold. That was kind of our reasoning. That's a bad reason. I mean, we can afford it. That gives you opportunity. That doesn't mean f*** up more. You're right, but we can't afford it. No. It's just...

Guys, the car's worth $31,550. Well, aren't they all always upside down like the first year? Yeah, but that's a substantial drop. That's a substantial drop. Okay, well. What is that, $17,000? Yeah. Did I math that right? I will say the Prius was upside down $14,000. They ended up only needing to roll over. Did you put nothing down for the Prius? We put $2,500 down for this one. Those salespeople made their commission.

Let me tell you, this car is f***ed. That's insane. A Target card. We really have every debt possible. Yeah, we have a lot. $271.50. Minimum monthly payment $29. $74 of purchases. It's still happening with $5.18 of interest. You purchased more than you made on the minimum monthly, so shocker, we didn't make any progress. Who would have thought? I think we bought diapers.

Okay, but on a card that is accruing interest that you're unable to pay off. Yes. Again, no one's saying don't buy diapers. It's how you're doing it. That's the consolidation loan. Oh, the consolidation loan still exists and then we built up all the other debts anyway? Yes. Oh, f***. It's just... I think it's almost paid off. If I f***ing hope so. I just can't believe you. Girl, you know math. I do. What? This math isn't math and none of these interest rates... It's just...

This is so bad. And then you don't even think it's bad. So I don't, this is, this is like, Oh, this is wild. I mean, I think it's enough to where we need to change our behavior. We need to, we need to figure out what we're doing, but I mean, I'm not going to cry over spilt milk. It's not about crying, buddy.

It's about putting effort in. No effort's being put in. Into paying off the debt? Maybe, but into making sure my family can get what they need. Flourish. Have good experiences. We don't talk about needs. There it is. Fun. Wants. For me, experience is Trump money. Trump their college fund. Trump your retirement. Trump

Those are all hypotheticals we can navigate as we move along. That's not how retirement works, my dude. Retirement is not a hypothetical. Retirement is something that needs to compound over decades in order to be able to have the retirement necessary. It's not a hypothetical. Ask the math teacher. Yeah, for sure. I mean, we can save.

We can save several. We've saved large amounts. We just always blow it. Some conversations are going to need to happen here behind the scenes because that mindset is not going to get us anywhere. Financially speaking, the world is not just about finances. This is a finance show. But what do we have in retirement? Do we know? I think I have 17 and he has 21 because we just became like I've been teaching. This was my fourth year and this was his fifth. 21 is what I would want someone to have at about 27. Yeah.

to make sure it has time to grow. 40, you have two decades left for compound growth and tax advantage outside of work accounts before you can withdraw without accruing any penalties. Two decades. Two decades. We want to utilize at least three and a half decades of compound growth. So we're just very behind, very dramatically behind. What's the balance on this? $7,000. How much? $7,000.

Okay, that's the almost done. What's the interest rate? I think it's like... It's a consolidation, so it's probably not great. It's probably like $25,000, $26,000. Oh, f***ing cool. Minimum monthly payment, $463.42 at Avant. It's the property taxes. Oh, property taxes over the course of... Why? Right now, it's just two years, but when we took over, it was behind like over $20,000. That's why they put him on the deed, so that we would pay the taxes.

okay so they had put in a lawsuit they were trying to take the house there is more overhead okay so 10 000 do you have like a minimum payment agreed on we actually don't because his stepdad is um disabled it it is deferred so we don't we technically we paid is there interest on it though no no they they stop all fees and stuff when you're considered disabled

they won't ever take the house from us. But if he passes away, they could put in another lawsuit. And what are you going to do in that situation? We're trying to pay it off. Because time does happen. No, for sure. We're trying to pay it off beforehand so that we don't get into it. We still make payments on it. We pay $500 a month on it. Yeah, losing the house is the last thing we would want to happen. You guys are given such a blessing of a situation. I don't think you guys... You're really throwing everything away because...

Oh, I think that was, was that the end of the desk? I think so. Okay. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17. Given the opportunity blessing of a lifetime that people would kill for. And we've took out 17. Well, you didn't take out the property taxes. Took out 16 debts. Wait, no, I heard rumors of student loans before we sat down. Oh yes. We have student loans. I think I sent him. I sent mine.

How much do you owe? $93,000. Oh, no. It's my bachelor's and my master's. Are you kidding? You have them? They're all government? Yes. Oh, okay. Are you doing any public student loan forgiveness? Yes. Where are you in that process? Next year, I can apply for the five-year.

And then they have 10 year. What's your minimum monthly? I don't have any minimum monthly. And you? I think I'm 50 for my bachelor's. And where are you on public student loan forgiveness? He can apply this year. This is my first year I could apply. I think the five year takes like 17,000 off of it or something like that. I could be wrong though.

So how much do you think? Let's forget the student loans because you guys are in an opportunity where some might be gone. But how much do you think? Because you're more nonchalant about it. How much do you think you're in debt? How much do you guys think you're in debt with just taking away the student loans? Not factoring in the student loans? Not factoring in the student loans.

I mean, cars alone were over $70,000. Yeah, I'm going to, you know, $120,000 to $150,000. Wow. That's what I'm going to guess. And we really feel relaxed about that. You know that's a mortgage, right? Yep. That's a mortgage, and it's literally all on bad debt. And then that's not even talking about the student loans. You're pretty close, $135,800.29. None of it's good debt. And we don't seem to care about it. Okay. And if that was just $123,000.

If I went and I purchased $123,000 in like the S&P 500 and in Moomoo or whatever, you know, whatever the preferred investing platform, $123, I got some SPY, just its average return on a yearly basis. I mean, I don't really have to do the actual math on that. You'd gain $12,300, $12,300, but instead it's sitting all in bad debt. That's again, another reason why that's urgent because that's,

Half of what you have in retirement, essentially, is what could be gaining on a yearly basis just from that. Okay. Checking out $856 in here. An Apple bill. Amazon. Amazon. Subway. At least eat food. Gross. Ah, there's your solar loan. More Apple payments, bills, in-app. Who knows what it is? Amazon. Amazon.

Bill Miller barbecue. Shocker. More in-app. Apple, $21.64. Amazon. Coca-Cola. Oh, vending machine. Going inside a gas station, getting some bullshit. Amazon. Amazon. PlayStation? No. Yeah. It's PlayStation. It's our sons. Going inside, getting some absolute bullshit. Amazon. Amazon. Amazon.

More Apple, wait, no, appliance technology, something. Con Appliance Technology, $169? - It's our washer and dryer. - You got the balance for our washer and dryer. - What do you mean? Is it a debt? Is it rented? - No, it's like the rent to own. - Rent to own? Well, at least it's to own. How much is left? - Less than a thousand. - There's more debt! - I think it's like 900. - There's more debt!

I have to ask you, just based on this conversation, and don't be insulted, or do. I don't want to give up. Do you feel alone in this? I think sometimes, but I like numbers. Obviously, I teach math. I know, but if one person cares about it, how are we doing the effort of the household?

I kind of just let them know like, hey, we need to tighten it up. We need to not do so much. Do I not? Well, obviously that has not worked. I tell them all the time. I know. But then I feel bad. Look at these lines. I feel bad. I become guilty. Like I'm not. Do you guilt trip her? No, I don't think they do it on purpose. I think it's just me and being a mom and wanting my family to be happy. I love that. I love it. It's great. But again, this is goals.

It's a very sad moment, and we've seen it happen on the show from the parent side a couple times now, where people get to the age of retirement, and they literally have nothing because they never sacrifice, and they're just around, and then their kids have to put their lives on hold to fund their parents' retirement because no one's going to let their parents die under a bridge and go hungry. Oh, my oldest thinks he's going to live with us forever. He's like, I'm never moving out. He's 11. He'll figure it out. That dude will see a one day, and he's going to put them like,

He's going to freak out. It's going to change his life. He'll move out. I'm pretty sure. I'm not going to. God, save that for the, I got to save that, that kind of talk for the post show. Sorry, regular audience. The inappropriate talk. Uh, Texas best. Oh, Texas is a gas station. Yeah. He went inside and got some bull. He's got a drink. Probably. Or it was my eyes. Amazon. Printfully. Huh? Printfully. Printfully.

printify print if i have the letters are kind of cut off for me printify well we spent 68 bucks there i kind of wish we knew what that was bill miller barbecue going inside a gas station getting some bullshit sweet green it's expensive amazon it's okay uh child care is that bright will yes okay child care and obviously that's fair you're paying for an ai assistant lucy why

Huh? Oh, no, I had purchased a jumpsuit and it got refunded back. Like an outfit. Clothes. It's Lucy and Yak. Oh, okay. Printify is a dropshipping custom merch store. Oh, wow.

That's the shirt. I deserve a treat. At least once a day. No, you don't. Who the f*** does he deserve a treat? No, you're not entitled to anything. Clean up your s*** and you can afford to get a treat. I will say most of the time I make the treat myself. That's good. That's good. That's a more affordable way to do it.

Doesn't mean we can always afford it still, but either way. Sonic, more in-app Apple, $14. Going to gas station, getting some bullshit. Going to gas station, getting some bullshit. We're constantly doing that. We're obsessed with that. I don't think so. You guys need to look at your Apple transactions then because we're close to like $100 now. Bill Miller BBQ. We eat at Bill Miller's a lot. Yeah. I don't like it. Who would have thought? What the fuck are we doing? What's so good about Bill Miller? Our school is the middle of nowhere and it's the closest thing we can... You guys work at the same school? Yes. Yes.

Wow. He teaches eighth. I teach seventh. Romantic. We teach in different departments, so we don't see each other very often.

But the point is we got 30 minutes typically. And if we forget to bring food, we only have Bill Miller. No, we're forgetting. We're forgetting. We walk outside of our house forgetting things all the time. I don't know about forgetting to bring food. It's either we – because we cook for everybody in the house, so nine people. And so if we don't have leftovers, I can't pack. The school doesn't serve food that you can have? It's disgusting. And it's $6. That's less expensive than Bill Miller. By a few bucks. I mean the quality is – Well, a half. Quality is –

I wouldn't even call the food. Half the time the students don't eat it and they get it for free. Glad I didn't go to Texas schools. Yeah, it's not that good. We're glad you didn't either. What does that mean? I was like, is Michigan any better? Oh, they teach you to put condoms on. Nice.

Amazon going inside a gas station getting some bullshit. McDonald's, Bill Miller Barbecue, Taco Cabana going to a gas station getting some bullshit. Going to a gas station getting some bullshit. We do this daily. How do you know it's... Amazon going to a gas station getting some bullshit. Yes. We're not counting gas. Okay. We know the difference between gas and not. Well, in the Prius, gas... Oh, I didn't have a Prius. Also when it says inside as well. And I don't think you're requesting specifically $16.61 of gas. Yeah, probably. W... NWS. Isn't that a... NWS.

$58. Coca-Cola. Oh, f***ing vending machine. Going to the gas station, getting some bulls***. Amazon. Going to the gas station, getting some bulls***. Amazon. ArcaMoney Premium. Okay, f***ing use it. I think that was the first payment. TexBest. TexBest. Bill Miller Barbecue. TexBest. Old Navy. Sometimes we do have to get some things. I don't know. Sometimes it's a want. Kids grow out of clothes so fast. Yeah. Like, my daughter is not even two and she wears 40. So she's gone through...

zero to three months all the way to four t in less than two years i'm happy i don't know what that means but for toddler she's two wendy's yeah yeah old navy is a pretty affordable way to go about it as far as like buying like actual new clothes goes wendy's shisha cafe shisha amazon oh i thought he was gonna say something going inside getting some bulls**t mcdonald's

Rush Fun Park, again, Pizza Classics, nails, getting our nails did. Make them do your nails. Spotify, bubble bath, car wash. Come on. We have to car wash our stupid thousand-hour minimum payment? I don't think so. Nespresso, I thought you liked coffee.

I do. I have an espresso machine and an espresso machine. Okay, let's not be lazy about our coffee. So my brother-in-law gives me cash and I order the pods for him so he can make coffee. Oh, because they live there. That's right. Amazon. Oh, that was so much spending. That was absolutely ridiculous. Is the kid in there an iPad kid? I guess kind of. Could he be buying things? No, he did do that. He did do that as like a few years ago, he had racked up like $500 in Apple payments and we had to like...

have that talk with him. He's pretty good about asking, but I don't know. We might want to check. Yeah, probably, but I don't think... Is the card attached? It is. The debit card is attached to his... Oh, f***, guys. We should probably check. Yeah. He's more of an iPhone kid now because he has his own phone. Oh, sure. I got you. Amazon. Wow, own phone at 11. Times have changed. That's not a negative or positive thing. I don't know.

because I just don't know. It's wild. Well, he's had a phone forever because of my in-laws, but I don't know if that had the savings accounts. We do have money in savings. How much is your guys' phone bill? I'm betting these phones are financed. $270, but it's six lines. Six lines. You can get 20 bucks per line, though, with helium. What's that? $120. Oh, yeah.

I would rather do that. Would Helium work for us at the school? I don't know. Because that's the only service that works. We have AT&T because it's the only service that works at the school. It uses the same towers as AT&T. We can double check. We'll double check for you to make sure. Because maybe it's like Verizon or something, but we'll double check. Yeah, we used to have Verizon, but it never worked. And so when my son, like because of the five-year-old being autistic. Why don't you guys move to Civilization or something?

move the civilization? No, move to civilization. Oh, no, not at all. Oh, okay. It's nice to be in the country. Then we can't make excuses about the town being small. We walk outside and we sit in our egg chair and drink our coffee and look out into the green grass. Yeah, people can't sit outside or have green grass anywhere else. My house doesn't have an outsider green grass.

But you're also probably like two feet from somebody else. Yeah, that's a deal breaker for me. I never hear them or see them. I don't know what's going on. I feel like just claustrophobic whenever everybody's two feet from you. Two feet? You fart and somebody else can hear it or smell it. I don't think you guys know what suburbia is. You're talking about living like downtown in not even like a real condo. You're talking about living in like a closet or something. Whatever, it doesn't matter. $515. $515.

in that account and you made the car payment and transferred some money in there was $20 taken out of a cash app account okay it's nothing but oh but we had fees anyway because we like to get everything that has fees oh that's the same is this a savings i think so okay so why is this sitting here and we aren't haven't paid off some of the debt because four thousand five hundred in savings it's actually like we typically save money we just don't use it to pay the debts

I mean, so we did use $2,500 of that to put the down payment on the van. Okay. And then, so right now we have like $2,800. I say like throughout the year, like $10 to $20 generally. Where does it go though? We have in savings, we just keep it and just allocate it. $10 to $20. We say, I try to save $600 a month. I move $300 every pay period.

Okay, well, that's $7,200. At least once a month, I end up transferring from savings to checking to cover. Okay, well, then we're just obviously not budgeting. Again, go through the budgeting program, please. Please. And a lot of this, of the $4,500, was when we got our short term. What was this, egg chair? I must have missed it. No, it's paid off. You affirmed it? It was paid off.

At 36% interest. Oh, did it take the full 10 months though? I did. A chair, an egg chair, whatever that even is. It's those things. And it's 36% interest. Very comfortable and loungy. Trying to have a lounge. So it was on sale and we bought it. And it was on sale.

But a lot of the money that was in the savings account. Yeah. A lot of the money from the savings account was from the short term disability. From when I was out, that's what most of those funds were. What carrier did you say you needed? We have AT&T. That's the only one that we get at school. They use T-Mobile. No, we had T-Mobile. Yeah, it was horrible. Okay. I mean, that's fine. If it doesn't work, it doesn't work. No, it's not true.

Okay. This is someone's retirement account? Yeah, so I... So this is what's in there right now. 17,000 years? Yeah, that's mine. What's this? That one's his. Because the statements... So if you look, the statements... Oh, this is his.

Because they only generate a statement once a year. So this is the last statement. This is the current balance. Oh, so I had some older ones as well? No. So that's what was generated in August for me. But this is what's in there currently. Because they only generated at the beginning of the school year. Oh, I see what's happening. So like he started with 17. There's some 17,000 for you. 21 for you. Yeah. That makes sense. Oh, I made it. Wow. That was aggressive. That was... Okay. Nat...

Money that goes to debt, $2,103.02, or 22.7% of your spending. Housing, 1.9% or $179.35. Phone, 3.5% or $323.48. Transportation, 8.4% or $779.29. Obviously, we took out the payment that just hoping that your mom... Wait, that doesn't make sense. But I guess that's all that went to the car at the time.

Well, so the car that I normally pay the car payment like for our cars out of my the Capital One account. Yeah. And then we didn't see the thousand dollar payment hit. Oh, because we haven't paid our first payment yet. It's that new. Yes. Brand new. Like it's still paper plates on it. Kill me now. Eight hundred. Well, for what it's worth, mine did for six months. But that was me just being a naughty little boy.

$887.39, or 9.6% went to going to get groceries. 7.3% of spending, or $680, went going out to eat. Unknown shopping, typically Amazon and the Apple bills, was $1,000. Dang. 10.9%. Medical healthcare, 0.3%. Savings, 1%. Subscriptions, 0.6%. Miscellaneous bulls**t.

things that do not improve this, doesn't matter, just extra bullshit. $760.26 or 8.2% of spending. Other large purchases, $2,370 or 25.6% of spending. So the large purchases for a little more context there. Instead of the kid watching Space Jam, I should have put him through a course career. He probably would have loved it, to be honest. He actually codes his own video games and stuff like that, yeah. Oh, gosh.

He wants to do YouTube and TikTok and all that. Really? Yeah. He wants to make video games. He wanted to see your setup back here, but then he was kind of denied. He was denied? I'll show him it afterwards.

I can also tell him all, do you want him to know all the bad things about this room? I am very transparent with him about debts and that we have a lot and we paid for... No, no, no. Do you want him to do YouTube and TikTok? I'm fine with it. Because if not, I can tell him all the bad things that no one else sees. I mean, you can, but... I think he's just a very tech kid. He...

has always been like last summer was it last summer he made 16 video games yeah his own make sure he never says anything even slightly naughty like he's never allowed to make one mistake okay it was the hotel the large purchases the hotel a cash withdrawal of a thousand dollars a quick see printify bright wheel credit card portfolio management ssa

And then even something at the school district, $78.11. Oh, the $78 is after school for the two older ones. Because we get a discount for them to be in after school care because their school ends before we get out of work. So they go to school in the same district we teach. And they won't bus the kids to us. Yeah. Other districts do, but they don't. So they get to suck money from us. Okay. Now I'm obsessed with whatever this post-show surprise thing. Oh, it just arrived. And it's going to make me cry. Okay. Uh-oh.

Like cry of happiness? I have no idea. Who knows what this guy does? Net. What hits our account in net? I made a mistake by giving him a budget for the post show. Now he's abusing me with it. I want to say it's almost $8,000. By the way, guys, in terms of income and spending, in came $9,098, which is great, by the way.

But total out net, and this means debt going up as well, was $9,266. So we were in the hole in the red last month. Oh, well, some of it was DoorDash. And who did DoorDash? I DoorDash.

Occasionally. I try to. That's how I pay the car payment most of the time is I try to make at least the car payment. And then we have an unknown and then some Zelle, but payroll is $7,748. Oh, his brother, the younger one who just moved in recently, we started making him give us money for groceries. Good. Oh, for groceries especially. And then he's on our insurance. Why are you doing DoorDash? I like it. It's our opportunity to get out.

she drives in complete silence and makes delivery really so that's why you do it that's the actual reason yes but it's also uh i i don't want the car payment to take away from our normal income so i try to supplement it a little bit just the way i'm reading it it's like you're so zen about the debt again but your wife is running doordash to try to get out of debt he stays home with the kids

He's like, I'll stay home with the kids. I'll hang out. I'll play with them. You go do your thing. He doesn't like it. That's why we started... Don't you live with your grandma and grandpa, though? Yeah. And, like, stepbrothers and sisters and, like, a million other people? Yes. They can't, like, look after something that poops its own pants? They do, but...

I mean... Okay, what's our utilities payment on a monthly basis? Not including anything that anyone gives you. Just the electricity. What do you guys pay? Electricity, gas, internet? $177. Do you pay your home insurance annually? My mother-in-law pays the home insurance. $177 for utilities? That's on top of the solar. Debt payment minimums. Let me figure this out. Give me a second here. So much clicking. A lot of click clack.

Imagine teaching seventh graders how to add all that up by hand. No, thank you. I would never like to see a seventh grader again in my life. Hey, we do a pretty good job at it. $3,137.64. No, I love teachers. I love teachers. This is like...

Middle schoolers. Like the devils of the world. When you were in school, though, it was probably like a drill and kill. Like, here's the formula. Well, I was the devil in school. I was the middle schooler who made my teachers' lives miserable. We thankfully don't drill and kill them. We make them use their brains. Oh, I don't even... I don't know what method... Whatever. $3,137.64. That's our debt minimum payments. That's not even including the taxes. Back owed.

or any of the student loans. So lucky you don't have payments on those. Y'all. Internet? Is that including the 177? My mother-in-law pays it. Yeah, she pays it. What was the phone bill one more time? I think it was like 268 or something like that. Gas. Vroom, vroom. Drive. Both. Oh, did you share the car? We go to the same car. So we... It takes probably $200 a month because it takes about $50 to fill up. Car insurance? Yes.

It sounds really high. Probably because it is. It's $487,000, but it's with his brother's car. Yeah. Does he give you money? Yes. Guaranteed? Yes. Has he ever missed? No. Okay. So what's your portion? $287,000 for our two vehicles. Okay.

We have a paid off car. I have a Camry at 13. That's what I typically drive. I'm not into getting new cars, those kind of things. Do you need it? I prefer it just in case something hits the fan. I know you're probably going to try to get me to sell it, but... It'd be cool. Yeah. You can get like 9,000 for it. Yeah.

Yeah, I could just uh... Right now if you guys use my MooMoo link in the description below you can literally get 8% on your money that's sitting in there for three months. It's absolutely incredible. Plus you'll get 15 free stocks just for signing up with my link. This is literally free money so make sure you're taking advantage of it now. There is no reason not to. Sign up now. Link in the description below. I was like your parents like can you not borrow that car? How much are they really driving?

She drives across the city every day. She goes into San Antonio every day. It's easy, 25 miles one way. 25 miles one way. Because that's where the bank is that she works. But she's on leave. Right now, yes. She just got on leave. That was a day or two ago. Oh, gotcha. Okay, groceries. I'm just doing you guys. People, let them be adults. Kind of tough. We buy groceries for everybody. Not anymore. And if we don't, I don't... They're just going to eat our food? They'll just... Lock it up. Have a conversation? Yeah.

What can we do here? Because we need to start. We need all the money to be going to the debt. Because we're dramatically behind retirement. We don't have a fully funded emergency fund. We're in a risky situation. We have back taxes. Yes, but how much did we spend on groceries? Like $1,000? Is that really like a ton of? That was for all nine of us. We could make it less. We could make it. I think we could at least, at the very least, save $200 from that. That's $200 that could go towards that. About $800 a month instead of $1,000.

I mean. I think that's realistic. Guys, have a conversation with them. They're adults. They also bring in money. And if they don't, they need to figure it out. $800. That's what you get for groceries. Okay. TP fund. This is anything else you need to survive in life. And this does involve like school stuff or new clothes if that needs to happen. So diapers, all that good stuff. $250 a month. I think that should be fine because we have the two younger ones are both in diapers still because. Subscriptions. Yeah.

When do five-year-olds, when do they get out of diapers? He's autistic. He's autistic. So he does, he's just, I just had my very first conversation with him like a back and forth last week. Is that why you're still in diapers? No. Thank you.

For whatever's coming. For whatever torture he's giving me, I'm giving him pre-torture because I know he's going to deserve it. My goal for the summer is to potty train both of them. So I'm hoping because this younger sister is potty training that he'll figure it out. He'll tell us when he needs his diaper changed. Is an 11-year-old out there potty trained? Yes. Good. Hopefully. Medical. Anything ongoing medical? Like monthly basis prescriptions? Costs? Things that warp in? Gym? 50. It's 25 for each of us.

Anything else not in here that I need to include? This is your starter budget. You guys actually nail it down, but this just gives us an idea for a plan. Because it takes hours and hours to build the first. I think that's it. Thankfully, my brother-in-law pays for most of the subscriptions, so we can still watch Disney Plus and Hulu and all that. Whatever you have, cancel. I don't think we have any. Okay, we have room. That's the good news.

We have room. And to answer your question, what you can do in a month is actually a decent amount. $7,748 is what you bring in. Now, do you guys do the thing where you make your payments split 12 months a year? Or do you go, good. Yeah. Very good. They don't let us do it. Only over 10 months. Good, good, good. $2,578 is what you have left over on a monthly basis. It's a good amount of money. How much was sitting in there? Wait, is the $3,000 with the Highlander or without the Highlander?

You're right. You're actually right. So from the debt, we actually need to take off the... Now, you need to be prepared to pay for it if they don't, but there is an extra $750. So you actually have left over $3,328. The fact that you guys' debt is getting worse when that's when you could have left over is like...

That's so behavior driven. It's just you guys need to have a conversation, be on the same page. Whether or not you both fear the death the same, you need to understand the consequences and like what your goals are and what you want to do in order to get there. You need to figure that out and actually button down. And because of this, I rarely get to do this. It's exciting when I do. But just, you know, fun and stuff for the family. $500. $500 of a fun budget. Oh, Texas. Texas.

What? The $500 that we pay towards the taxes. Okay, but that's not minimum required. You just do that. $500 I'm giving you towards fun. Okay. You and the kids. $500. Thank you. I usually don't get to do that, but you guys have the opportunity here. I'm excited about saving now. How many times have I told you we need to stop eating out so we can save and pay off debts and you're like, but I want it. How much was in savings again? Right now, $2,800.

No, no, no. 28 plus 5. I thought I saw more. Yes, but that was before we paid the down payment. So what's in there? 33, 32. Yeah, because it's across two. Okay. Will the 800 include dog food? It could. How many dogs? Five. We have five. We have four. Okay, I'm taking 100 out of your fun fund for dogs. That works. And now your fun fund is 400. Okay. Okay.

$2,826. First month. You're setting $1,000 of that aside into your savings and you have a one month emergency fund if anything goes. Okay? And there's an extra $1,800 left. I think for you guys, especially for you, who you're not as like woo-woo about the debt, I think you're going to see more reward and excitement by doing Snowball, which is smallest to largest. So kill immediately. So how many debts here? I don't even know what's the smallest.

Kill immediately. Destiny. That's killed off. What do we have? 1,800. So we just killed off 214. Kill target. 271. We still have so much to play with. I wish this was in our sheet that I could sort. Kill to discover it. 226. Kill after that. It's going to be one of these. Oh, 600. No, 500. Sam's Club. 509. Still have 580. Wow. We throw that 580 to...

No, we pay off credit. The credit one, that's at 521. Cool. There we go. That's the first month and you guys literally just paid off five cards. And then trashed credit one. And then you have a one month emergency fund. One month emergency fund and you killed five cards all in one month. So that's what you can do in a month? A lot. And that's with you having $400 of fund money. Nice. So those good things that can happen here. From there, the rest of this debt

Let's add up the credit cards, not mom's car. And every single debt you pay off also is more money on a monthly basis. They can go towards that. That's what they call the snowball. Just snowballs and snowballs. I've heard Dave Ramsey talk about it. You've heard Dave Ramsey. I've listened to Dave Ramsey since I was like in high school. Yeah. So I don't... I try not to listen, but you're there so long that things kind of make it in. I mean...

It's not that I try not to listen. I know I just said that, but it's just, I don't know. It's not as entertaining watching him as maybe watching you. Well, thank you. No, I loved it. I think it's hilarious when he gets mad at people. Yeah, that's the cool part. So the $12,266 of credit card debt and the consolidation should be gone. Oh, I was like, I don't think we have $12,000 in credit cards.

It should be gone in four months. Four and a half months will turn it to five. So six months total after the first month. So six months and you're literally credit card debt free and consolidation free. That's insane. That's really good. Solar will probably be a minimum monthly payment until it's paid off. High five when you do it. I'll do it. Then with the money you guys have left over, honestly, the taxes should be paid off in three months. Really shit at that point. So that's nine months. Student loans, hopefully forgiveness. But that's not eating out.

then it's the car and i really think just for safety of your life in the minimum monthly payment i really well especially because the interest rates high if it was at like three percent and it was for four years then i'd be like okay minimum monthly payment but so we're nine months in let's say it's at 40 47 000 because it's all going to interest right now anyway divide that by probably the 3 500 you have left on a

And that does take over a year. That takes 14 months, but that's okay because two years, a two year total process to your total process to get out of how many debts did I just add up? That's wild. That is like literally for the average guest that comes on the show. That's like a, like a two decade journey.

You know, you guys are beyond blessed and you need to take advantage of it. If you don't, it's it's literally like it's the biggest waste of an opportunity that I think I've ever seen in the history of this show. You guys have two years and you can change your life six months after that. Not even six, three months after that, because your overhead will be so low at that point. Three months, three to four months after that, you'll have a six month emergency fund.

Less than two and a half years and your guys's life is completely changed and then because you have such low overhead just 20% going to investing for the rest of your For the rest of your life or until retirement you guys got to play a little bit of a catch-up game Maybe it's 25% 25% but you literally essentially because of the low overhead have 60% to play with for fun you guys are living like

It's crazy. You guys get to travel and do all these crazy things and give them the experiences. Dude, that guy out there will be 13 at that time. He can fly him to Europe. I'm not even kidding. That's not even over exaggeration. And that's why you guys are catching up on retirement at the same time, having a fully funded emergency fund and not having any bad debt.

I would move to see if the parents could get a loan of some kind and try to take the car out from under you just to minimize risk. Student loans, you know, were, you know. But that would clear things up. Like, you guys, you could have a celebratory trip in three years because you'll save up some money because it'll cost a lot of money to, you know, take five people. But Paris, you guys could do it.

That's well, you know, framed well. So I'm on board. It takes two years to sacrifice. Are you sure? Because you say that. And then we went. We did go one month without eating out at all. We spent $0. I'm giving you $400 to eat out a month. I felt good. I dropped some weight. I was feeling like younger, you know. Guys, $400 a month and you're literally able to go to Paris while catching up on retirement in three years. I mean, like, what are we even doing here? That's the most no-brainer decision anyone could ever make. No. No.

So that's where we're at today. Make sure you guys stick around for the post show. Noah really wants me to plug that today. So do I have to cancel my Patreon for you? Yes. Okay. I actually enjoy watching the post show. No, thank you. I mean, we put work into it, but...

Only if you can afford it. You can get it in two years. Can I put it into that $400? Yeah, you can put it into the fun money. It's taking away fun from him. But yes, you can put it in the fun money because I gave you fun money. Okay, spending in a budget. Right now, obviously, we were over by $200. So we're going further in the debt. So spending a budget, zero out of 10. Again, you gave yourself a four. You gave yourself a two of the household debt. Zero. Back taxes. Yeah, it's not really your fault. But with where the debt is, this is so beyond horrendous.

Yeah, that is a 0 out of 10 because of the back taxes. But again, it wasn't your fault, but it is attached to you. Emergency fund, we do have a start of it. 2 out of 10. 3 out of 10. Retirement, again, we do have a start. Pretty behind for our age. I think we're at about a 3 out of 10 there. Real estate, paid off real estate that you are on the title for. It's pretty darn...

And at $400,000. If people don't like that, I like to have a cash flowing property or two. And I'm just thinking of the best of the best is 10. Like eight is still an insanely great score, right? But people like, you know, they're upset when they don't get 10s. Eight out of 10 though. My dream is to buy a rental on the beach. Sure. That's like way, way, way down the line. But yes.

But because you guys in the first two categories, Hammer Financial Score is still a three out of ten. So it's actually in between what you guys said. Make sure to check out all the resources linked in the description below as they are what I use or would use in specific situations. Make sure to stick around for the post show and make sure to take our investing program so you can take control of your life finally. And it's basically free with the cash gift you get from Moomoo. Stick around for the post show.

Okay.

That was good. Thank you. Thank you. Yes. To watch the financial audit post show, click the join button below.