Financial Audit’s Final Boss
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. I told you they were bad. You're spending half of your income on fun. It's not that they suck. They don't do it to you. You did it to yourself. They did. Two years of three episodes a week. This might be the worst I've ever seen on this show. Hi, my name is Rosa. Hey!

Cutting that off. This is you guys have broken records. We have just I need to get into this episode like legitimately right now because this is the biggest stack of paperwork I've ever seen in my life. Listen to this sound. This is insane. So we got sad. We got Rose at 2726 San Antonio. That's wonderful. But I need to start this thing because we're going to be sitting here for like four. How in the world do you guys have so much money?

paperwork how in the world i've seen big stacks and i've said this is the biggest stack a few times because they've had the biggest stack you've broken all records all records i thought i was gonna walk in here there's gonna be a couple 40 year olds or something that have had decades to build up this much younger than me what is going on any of you please start please start

Like how we got into that? This is crazy. Anything. Yes. How are we in this today?

So I think it started, well, first I got like my first credit card when I was like 18, maybe like a month after. So I felt like that's where it started, paid that off. And then we moved into a house four years ago with nobody's help or anything. Okay, people move into houses without other people's help. I know, but like we had nothing, like no couch, no bed. We just had clothes. Okay, welcome to how everyone moves. I know, but like we didn't think of anything. Hey, I did that. They did that.

We don't have this. I know. It's bad. Trying to figure it out. Yeah, we had applied for the house in August of 2020, and then we were moved in November. What's applied for the house? Is this a rental? Is this a mortgage? No, it's a mortgage. Mortgage. We took out a mortgage. We took out a mortgage. We couldn't afford furniture. So I assume we didn't have an emergency fund.

No. We took out a mortgage without having an emergency fund? But we had moved in with only $100. Like that's how much we had to pay to move in. And then they were like, it's going to be $1,100. And then two years later. What's pay to move in? What are you saying pay to move in? Like the closing costs. Oh, you thought our closing costs would be $100? I mean, if it was a special program. No, it was $100. That's what I'm saying. It was $100. Oh, so it was a special program. Yeah, like we didn't pay that much. And then it was going to be $1,100. So we paid $1,100 for the first year. Wait.

When did you guys get this house? During COVID. So 2020. Okay. So you got a great rates. Yeah. When have you guys, were you guys married? Yeah. Yes. So you guys have been married for a while. Yeah. Yes. Yeah. Okay. Did any of this debt like,

stack of debt exists before then um maybe just a little bit maybe like five to ten thousand but the majority of it was once we had moved in just a little bit ten thousand yeah it wasn't that bad but so we had moved in it was supposed to be eleven hundred and then the next year they moved it up to sixteen hundred next year they moved it up to nineteen hundred the mortgage itself what property taxes yes so

Yeah. Welcome to Texas. Yeah. So we didn't do any... Well, hold on. Why did you not apply for Homestead? I just did like last month. So I'm supposed to get a refund for this year and then two years before that. But I didn't know about the Homestead. Oh, yeah, now, but during the time... Why would you buy a home without being informed what it takes to buy a home in Texas? Just family situation. Move out, be on your own. What's family situation? Well...

So my dad, he was paying for his house. It was supposed to be my house, but my mom ended up just staying there. So I didn't want to live with my mom for our entire adulthood. We already had a kid. I had gotten pregnant when I was 16. So we were already grown. Are you?

19? Yes. Oh, 19. Well, I was 17 when I had her. Okay. Yeah. You were 19, right? I think so. Yeah, I think so. We have like a two-year difference. Twitter won't like that. Yeah, I know. I was just thinking about that. But I think so. Okay.

So we kind of just moved in. No help. No nothing. How many kids do we have? Two. We have two. Ages? Eight. Eight and two. No, eight and one. Basically two. Yeah. They're both turning ages in November. So, wow. One very young kid. Yeah. You...

First one, assuming whoopsie, 16 typically would be, was the most recent one whoopsie or planned? Kind of planned. With this? Yeah. With this? All that. Mind you, for what it's worth-

This much is like checking account and slight retirement. Maybe like this much. Meaning this all is debt. Yeah. Okay. So we moved in a house. We didn't have that money, that much money. So over the course of the next few years, so you just guys just around. What are we doing? Because. Okay, cool. We move in. You know, we don't have as much money. We make a mistake. Course correct. Course correct. Mm hmm.

Get the emergency fund. Don't spend money we don't have. Don't around. Make sure we're prepared to take care of the kid that already exists and take care of the kid that's coming in. Yeah. Obviously, that is not what happened. So what happened? It wasn't the house that you got you into this. What happened? Because this has been four years. So so we weren't paying that much with my dad because we were living with family beforehand. So we kind of moved in paying.

1200, 1300. And we were in school. So we had got the house November 5th. Keep blaming the house. It's been four years. No, but I'm saying, okay, so then we graduated and then I lost my job. I lost my job three weeks after we got the house. It was technical support. Okay. It was a work from home. So I lost that.

So I didn't have a job for like a few months. And then I did get a job. That's why we have emergency funds. And then you had lost your job too. What did you lose? Customer service. Yeah, it was for the same company. Both in customer? Yeah, the same company. So it sounds like the company was probably downsizing. Yeah. Okay, so customer service jobs. You know, you can go get a lower paying customer service job if necessary to at least cover some time. It's not like it's a walk in the door and get it type thing. But we can start applying, right? The day of. We can start getting in the industry. Yeah.

Yeah. And either way, this is not a couple months of mistakes. No, no. And then he just got his job again because he had lost his job for another while. He went back to Amazon for a couple of months and then they changed their pay rate. So it was a huge decrease in pay going back to Amazon. So I think we're okay right now job wise, but we just have a lot of stuff to pay. Yeah. So now we're kind of having to backtrack and

I guess because I got a better job now too. So I think we're good job wise, but now we're just having to pay off everything that's happening from the four years. So what are these jobs? And we'll start with you, Rosa. What do you do? Again, 26 years old.

So I work in sales for a diabetes company. Sales? Yeah. Oh, are we selling diabetes or prevention? It's an insulin device. Yeah, it's an insulin device. So I just moved to that job. America, you're in the right place. Yeah, in March. So it was mainly the same hour because I've been with them for a couple of years already, but now they have bonuses. So that's where the increase of income comes in. What would you say comes in on a monthly basis? So I make $21.84 an hour.

How many hours a week? About 42. And then what's this bonus structure? It's quarterly. So last bonus was about $3,500. Wow, that's actually great. So we can add about $1,000 a month. Yeah, so that one was in August. That was my first bonus check. But I think my next one, which is November 3rd, I believe that one's going to be probably like...

a thousand maybe oh why i it's just the way our quotas work unfortunately but it's it we're i'm supposed to be aiming for about three thousand but it was just a bad quote i had your payroll hit of seven thousand seven hundred eighty one but was three thousand so what is it normally without the bonus um probably fifteen hundred bi-weekly okay so three thousand i'm gonna call it three thousand five hundred okay you know just doing the bonus yeah yeah that sounds about right

And then you, Sam, what do you do, 27 years old? I work in correctional institutional, and I am an officer. Okay. And basically, I would say I make about close to what she makes, about $1,500 a month. I think it's $1,400. Whoa, whoa, whoa. A month? She said per paycheck. Per paycheck. Well, he's bimonthly. I'm bimonthly. Yeah. Yeah, I had you hit. Wait.

By monthly. So like the 15th and the 30th. Yeah, yeah, yeah. I had you hit 1,446 total. That's one check. That's one. Okay, so we only had one check hit. He just got the job. Oh, this is new. Yeah. Trust me, I got so many questions I want to ask you about this job. And I'm going to save that for the post show where we just talk about all the stupid stuff.

If you guys want to join that and watch all the extra stuff we have going on, it's in the description, by the way. It's fun to talk about all that stupid stuff. Okay. I've never talked to someone who's worked in corrections. I have a lot of questions. Okay. Yes, sir. Got them for you. Got them answers. All right. I want to see where we think we are. Because, again, we need to get in this paperwork or we're going to be here until...

Yeah. I'm going to go 3, 2, 1, go. On go, I want you guys to give me at the same time where you think your household financial score is. 10 being the best it can possibly be, 0 being the worst it can possibly be. So 3, 2, 1, go.

Okay. Three thinking we're... You think we're like doing solid down the middle, even though, again, we see the stack of this paperwork in front of me. You think you're a little lower than that. Yeah. Why does your husband think you guys are doing solid straight down the middle? Because he doesn't really handle the finances at all. Or I guess like maybe like 15-ish percent. How do you handle 15% of the finances? Like we have like a joint account. So he just gets paid and then I just pay everything back.

Why don't you deal with anything finances? Because I feel like I would make more mistakes than she would make. Don't you want to be informed of what's going on for the household? I do want to be informed of what's going on in the household, but at the same time, I feel like she's really good with numbers, punching them. I feel like it'll get to me and I'll stress myself out with the numbers. Tell me how much debt you have. I'm not too sure. Go ahead. Go ahead. Give me your best guess.

20 ish 20k so not including mortgage okay which is fine so not including mortgage yes well the cartoon yeah all that 30 okay yeah about 80 about 80 way off so that's kind of terrifying yes it is i have been telling that you don't even know you don't even think you're 50 of where you are no how do we get to places how do we get to a goal

A financial goal, life goal, retirement goals, things we want to family goals. How do we get there as a couple? If we don't even know how much we're even what ballpark our debt is. How do we get to a goal together? How do we do this as a partnership? How? So I think that's where the majority of this came from was I feel like I was trusted with everything. And then I felt like I kind of like does. How'd you feel?

just like okay you want to go here like let's go here oh I don't feel like cooking like let's just go out to eat why are you allowing this like I just I think I feel like I lost control which is why I had applied in the first place but when when I was thinking about applying I was telling him you know like hey this is how much like I feel like I am losing control over things why have you allowed her to lose control

She has been asking me for help and I've been gradually trying to make that effort to help her with some of that. What does that look like? Basically just keeping up with the numbers, keeping track of them. Buddy, you thought your debt was 20, then 30,000. That's 80. Outside of the mortgage. How much is your mortgage? Your total balance. Total balance. How much do you owe on the house? No, no, no. How much do you owe on the house?

I would say we owe about $30,000 to $40,000. $1,000 on the house? You owe $213,000 on the house. How much like the house is? Not on a monthly basis? No. What, you think you pay $30,000 a month towards the house? Wait, wait, wait. Like how much do we pay monthly for the house? Hold on. No, no, no. Hold on. I need to be very clear. You don't think you pay $30,000 a month to this house? It's like $5,000, I think. We only almost bring in like $4,000 to $5,000.

Oh my f***.

Okay, we're starting from scratch. Yeah. We are starting. This is like. Yeah, so it's been. So we've always been like we've been together for like 10 years already. So we came from like high school to adulthood together. And I just he's never been good with numbers. So I've just never like, okay, you get paid. All right, we did this. All right, we'll do this. Like during school, we were getting paid. We did work study. Like we were kind of just like going with the flow, bringing in money, paying things.

And then the debt just started getting really bad. Are any of the prisoners going to see this? No. Okay. When they get out and they see this, are they going to come after me? Because I bullied their favorite correctional officer? You should be good. You should be good. Okay. You should be good. Okay.

Okay. Yeah. That's a lot. That's a lot. Your answers scare me. And then your answers of the person who is running this whole thing, what is frowning, throwing it down the drain scares me. Do we have a goal? Do we have a singular goal? Getting a positive.

Yeah. That's what your guys are aligned on? Get out the negative. Michael, because I'm 26. I just turned 26 in August. So I do want to kind of get rid of like the credit card debt like by 30 because I feel like I made a lot of mistakes. Are you guys aligned on that? Yeah, I mean, the spending comes from me. Like he doesn't spend any...

You don't spend anything. He spends nothing. He does gas and for the week. You know, I have his spending accounts. No, that's that's mine. I have cards with his name on. Yeah, they're mine. You're spending on his card. Yeah. Like that's what I'm saying. Do you even know this is happening? Yes, I do know about that. And you're OK with this. Yeah. Why? Because I feel like she's making pretty reasonable decisions because she wouldn't be spending if she didn't need to spend on certain things. OK. OK.

To be clear, this is, again, the biggest stack of paperwork I've ever seen. You spend $640 going out to eat. $2,262 on miscellaneous can be video games or it could be stopping for a hobby. That's half of what you bring in. Okay. It's reasonable. That's what I just heard.

It's reasonable. We know what comes in non-bonus month, both of you combined. We're seeing about $6,500. Yeah. Actually, that is taking into account the bonus spread out. Yeah. $6,500. Okay. Why don't you tell me how much was spent last month?

It was my birthday month, so probably like $10,000. Everyone has a f***ing birthday month. Who gives a s***? Also, 26 is not even a notable birthday. It's a nothing birthday. It is. It's like your first birthday with the second chapter of your life. Second chapter? What are you doing? Yeah, like 1 through 25 and then 26. Okay, nothing changed. Okay, well, it was probably like $10,000. How much did you spend this last month? How much was spent?

Probably about 10. Okay, and you find that to be reasonable. Again, 6,500 comes in. You find 10 to be reasonable? Birthday month.

You're aligned with this birthday month thing. It was her birthday. Her birthday. Why do I give a **** about her birthday? You know whose birthday? It's about to be the two-year-old. And guess what? That two-year-old is going to grow up and have to take care of their parents because their parents never saved up for retirement. That's another 10 for the kid. Huh? That's another 10 for the kid basically every birthday. Their birthdays are a day apart. So it's one day. You guys don't even give a **** what I just said. Yeah. Because of your birthday month, your special little 26-year-old and...

and having barely anything in for retirement. Is this funny? Is this comedic? Your kid is going to have to put their life on hold to take care of his or her irresponsible parents because they thought this was funny. Well, that's why we're here.

He's laughing. He's giggling his way through it. That's like, I don't know. It's eye-opening for me. Yeah. It's eye-opening. He's in shock right now. Guys, you spent $15,262.61. Bring in $6,500. In what world is that considered acceptable? What was brought in was spent on bulls**t.

But that doesn't even matter because you spent more than double what was brought in. More than bull. Negative. Yeah, it's pretty bad. Pretty bad. Oh, but we're a five or a three out of ten. Yeah, it's pretty bad. That makes sense. Let's start this. If you want your hammer financial score, it's free. Link in the description below. If you want to be on the show and give me a stack of paperwork, go to calebhammer.com slash apply. Okay. Okay.

You guys have college degrees, it sounds like, because I heard graduate. Yeah. Okay. What's your degree in? Criminal and education. So we are kind of working in the field. Okay, very cool. What about you? Criminology and psychology. Okay, you're not working in the field. All right. Okay, this is a joint card. American Express. Is that the gold one? Cash Magnet. Oh, okay. That's the blue one.

Yeah, it's blue colored. Yeah, that's like one of our dailies. Is that how we're designating what we're spending on? What color the card is? Yeah, the blue one or the gold one is usually like our dailies. Your dailies. Guys, you spent on half these cards and there's only about a thousand of them. $5,000.

$14. Listen, that should just... Most people come on this show and I talk about one or two or three cards in that balance range. This is just the first out of like a trillion billion of these cards. Credit limit $1,000. Credit limit $5,000. And it is sitting at $5,014.41 with $140 minimum monthly payment. Okay. It doesn't matter. I mean, it's not like we have two kids. One's about to turn two. No, who really gets...

Oh, good. So you paid off some money. You started. You started above the...

the credit limit then we put money towards it but then you charge to the card three thousand three hundred five dollars and fifty three cents daily spending daily spending what kind of daily spending are we allowed to do ninety dollars and eighty nine cents of interest accruing if you are above the credit limit daily spending why do you think you guys can daily spend on a card like this in what world do you think that is okay

I don't like using my debit card. Why? You don't have money. You're putting it on. You're going above the credit limit. Why don't you like spending your debit card? It's just like a sucky bank. Sucky bank? How about this? It's sucking your money from you. It's losing $90.89 in interest on a month. Yeah. So don't give a fuck if it's a sucky bank. What's your bank?

It's like an international bank. What's your bank? International Bank of Commerce. Oh, it's Colton. But I've had it since I was like 12. Okay, walk into Chase and open a bank account. It takes three seconds. Instead of throwing our life away on a credit card. I don't get it. Yeah, it's just a sucky bank. I can't use it too many places. You have two kids. Being an adult, walking to any bank, it's so easy. It's 10 minutes of your time.

Yeah. 10 minutes of your time. If your entire excuse for f***ing up your life is, I have a quappy bank. Yeah. That's on the next steps. That's next steps. That was next step at 18. Well, it's just because I have like a lot of like, you know how you have to change the account and routing number for like. Well, there's just a lot. But I'll get it done. I'll get it done. It's tragic. I'll get it done. Tragic. First of all, you're going to cancel all these cards. You don't have to worry about that anyway. Figured. I don't even give a s***. Yeah, we figured. Well, what?

What the hell do you think? You guys have more credit cards than anyone in the history of the world has ever had credit cards. It's bad. It's where we start. It's where we start. I don't give a shit about your credit score. It's already one of you has a 500 something credit score. It's like 600 for the both of us. I have different in here. Oh, I thought it was like 599.

Nope. Or 600. Nope. Not rounding up, huh? Nope. Netflix, painting with a twist. Oh, great, guys. This is great. Oh, yeah. That's for my birthday. Your birthday. Your birthday. Your birthday. It's 26. Is that the car? Is that the rental car age? Other than that, nothing else even matters. Yeah. Nothing. 26 is nothing. It's nothing. Congratulations. You're getting older. How about you take care of your shit?

your so that when you get older even more you have a chance to retire how about that i think that's okay maybe that's important silver sub community arena management spurs it wasn't a game 360 dollars

Like a concert makes it better? It was a concert. Who'd we see? Future and Metro Boomin. So future is more important than your kid having any chance at living a financially sound life. So future is more important than, you know, maybe your house ends up being foreclosed on. And your kid has to figure out. He's not. Future is more important. I don't know. That's what your actions are showing.

Frozen treats. Sweet treats are more important. Tequila. I can never say that word, but it's $50.33. Little Caesars. River Sub. More important. I think that was a Taqueria. Is that the one? Yeah, it's Taqueria. Mexican. I can never say that. $800 in interest this year on one card. One of the million cards we're about to look at.

Alta? We have an Alta card? Yeah. For f*** sake. It's a MasterCard though, so I really don't... Oh! Oh! Oh guys, it's okay! No, I'm just saying it's not all like... I really don't like shop at Alta that much. So where you get probably the biggest rewards, that's not the place we're using it. Sweet. Yeah.

I messed up opening that card. All right, well, let's get real for a second. Have you ever felt that pit in your stomach waiting on a payment you needed yesterday? You know, the one that was supposed to cover payroll for your crew and kick off the next project? Yep. And that's what we call a cash flow crisis. Trust me, I've felt this. And as someone who's a business owner and responsible for my team, it's something I've personally experienced. And that's why you need to bank with Relay. Relay is an

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Sign up and get that $100 sign-up bonus at RelayFI.com slash Caleb Hammer. Trust me, this is one of those decisions that'll have your business running smoother in no time. So get started with Relay today. I think we messed up a lot. That one was a recent card. Like the American Express, I think we've had it for like two years already. When did you get this? Probably like maybe like eight months ago. Why are you opening cards? It was like eight months ago. But you already had a stack of credit cards. Yeah. So why?

What made you think? Hold on. Hold on. I want to know what actually when you open this, what was going through your head? Because you already had a stack of credit cards. Well, because I was getting like my perfumes and stuff, you know, just like. Yes. Regular. Right. So then they're like, oh, do you want to open this card? And you're going to save 20 percent. Oh, you're too impressionable. And then I was like, no, like, it's OK. I'm good. And she was like, well, you're going to save 60 dollars.

you're the easiest person to sell to guess what you probably lost $60 this month in interest I know I bet if I look yeah it was oh $108 yeah I think I was saving like 60 bucks and then I was like oh it's all done as well you know it's all gone now I do regret that one hold on these purchases what is this

They were... What is this? They were supposed to cut that. $741, $660. Oh, they were? They were supposed to cut that. Yeah. Okay. Well, we bleeped it and cut it on screen. What the f*** is this? So I learned a trick that's like a really, really bad trick, which you're probably going to see in a lot of the statements. So when I am basically like overdraft on my bank account, on my regular bank account, even if I'm a penny, they'll charge me $35. Okay.

Even if it's a dollar overdraft. Yes, welcome to the Consumers and Nations. So if I'm overdraft on my card, I'll basically transfer money from my PayPal to his PayPal. And then it goes into the bank account because we have a joint bank account. So I'm basically transferring money from a credit card into the bank account. Does that make sense? It does. But you think this is actually saving you money because...

Again, $108.66 of interest. Also, a little fun fact. You owe $5,286 on this? Yeah. Yeah, there's a credit limit of $3,700. So, f*** you! Mm-hmm. Yeah.

That one was for the house. Like when the house payment came out, like it was a credit card essentially for the house payment. Basically. Yeah. Uh, when can we not afford a mortgage when we're using a credit card to pay for it? Or also maybe we don't spend half of our income on literal bull. Yeah. So why, why was bull more important than a mortgage guys? Why was it? Hmm.

I think just the spending got out of control. Oh, no. It's probably because it was birthday month. My special little birthday. 26, the one that no one will forget. Yeah. When I set up, I was hoping. Have a birthday day. Month? Yeah. What? And then we just have 11 normal months? Oh, my gosh. Child. Back to reality. Child. Child. I'm sorry. That's what a child does. Yeah, it is. That's what your eight-year-old gets excited about.

No one gives a f*** if you turn 26. Not to f*** you. No one cares. Yeah. Okay? Sorry. When you're dying in debt, no one gives a f***. It's like a Leo issue. Like a Leo. Oh, shut up. It is. I swear it is. It is. My dude. The f*** patterns in the sky...

Literally 100,000 years from now are going to be completely different because the path of the Earth and the galaxy has moved from where it is on the path. Yeah. None of that means anything. Just because you're a dumb with money doesn't mean you have to be a dumb in life. Yeah. Leo. What's your sign? I don't give a... I'm an Aquarius. Congratulations. I was just curious on your sign. I don't know. Because it means nothing. Because...

astrology is real i don't believe in it too much but i just like the sign part just the sign part like i'm not like oh like it says that i'm having a bad day so i'm gonna have a bad day today but it just like when i meet somebody i guess i don't know what aquarius i'm being told oh y'all are probably close in birthdays astrology that's not helping hold on what is this hold on now now i'm getting my terms mixed up

astronomy is real that's what i tried to say oh i did just yeah because i deal with so many people that believe in that crap yeah astronomy is real okay not astrology yeah i don't believe in it like that but i just like to know the sign that's curious you literally just blame this on you being a leo i did i did you did you did yeah i did do that you did do that so this little little naughty thing

I don't think we're doing that anymore. I think we're budgeting. Yeah, I agree. I agree. Like I'll take them off of PayPal. I don't care if you're not a part of the finances and all that good stuff. I don't care. You guys are going to sit down. You're going to go through our budgeting program. You're going to take all the quizzes, take all the education together. You're going to do the investing one as well because I see there are a couple of retirements at the end of this. So you guys are going to do that together. Go through them. Take the coursework.

learn, actually improve your lives. You get it for free for being on this show. These people have to pay for it to take advantage of the program. 50% discount. Link in the description below if bundled. But you guys get it for free, so just take advantage of it and actually learn something.

You budget together. I agree. To avoid the birthday stuff. Yeah. To avoid the birthday stuff. Especially with like holidays and stuff coming up. Like I want to figure out all this stuff. Oh, no. No, it's okay. It was $8 at all. I thought that was $650. And I actually returned some stuff because I did get it for my birthday month and I returned it. I returned it. Yeah. Progress. Nope. She just didn't like it.

No, I returned it because I felt bad about like good stuff. Yeah. I want people to feel an immense amount of guilt, but you might need to. Yeah. I actually learned a trick. I don't know if you want me to share it right now, but I learned this trick was borderline. So let's hear this recently. So I used to watch TikTok when I'm at work because I work from home. So I used to just like scroll productive, but I feel like I feel like TikTok came like like now they're just shopping. You know, there's an ad for something and then you see it and then it's like another ad, another ad, another ad.

People need to make money. Right. Which I understand. But me personally, I can't see something like that because I feel like it programs me like I need it. I need it. So is your trick you deleted TikTok? I'm actually watching your show at work because they're like an hour and a half. So I've just been watching like I can even show you my feet. I've just been watching like

Something tells me this one's going to be longer than that. Yeah. So I've, and it's been helping because I'm like, dang, like I didn't think that it was that bad just getting like food or something. But then when I see you getting mad at people, it's like, well, you're spending $20 and then you're spending $20 like the next week and the next week. And then that's, that's a hundred dollars in a month. And that could have paid off a card. Right.

But people don't choose to pay off the card. And I felt like I was in the same boat as well. So I've just been like binge watching your shows when I'm at work. And it's been helping. Well, I appreciate that. Sloppy Toppy is not going to get you anywhere. But I do appreciate that. No, but it's been helping. Because I feel like TikTok turned into like... Like when they added the shop. Like it's just...

all like I mean everybody has to make money I get it you know but it's just like when did you just start watching um like two weeks ago okay well which is reflected in these statements if I'm not mistaken no because we're in September these are all August these are all August yeah my birthday month yeah my birthday month I know

And then it was back to school too. So I know I spent like a good amount for back to school as well. How much was the necessities? Like $400. Yeah. Cause she's grown. She's grown a lot. Our oldest and then school supplies. And then we moved her school. So then we had to buy school supplies again. Cause they didn't want to give us the school supplies back. So.

What? They can do that? Yeah, I mean, yeah. I didn't know. Yeah, let's keep going. Guys, $691 of interest on this card. So now we're over $1,000 of interest already this year. And again, we're two cards in. 31.24% interest. It's insane. Rosa. Oh, that's you. Sorry. What card is this? Pink? Oh, Victoria's Secret. I've had that one since I was 18. Looking nice for him. Yeah. I've had that one since I was 18.

And I usually don't carry a balance. I think that one might have been paid off already. Like this month.

Well, no interest accrued, meaning I think it would have been paid off. Yeah. But that still doesn't excuse the spending. The spending, because you had to pay off this card, and that money could have been put somewhere else. Agreed. And it's Victoria's Secret, marketing, ballet, bralette, bras, sleep bottom lingerie, sleep bottom lingerie, W first layer top, W first layer top.

I didn't know they showed what I bought. Bralette, bras, sleep, bottom lingerie. I didn't know either. Victoria's Secret. We got another bralette, bras, bralette, bras, bralette, bras, marketing PCB. Victoria's Secret, NC, Victoria's, Ohio. That's great. That's online. Victoria's Secret, pink, bralette, bras, VS pink,

Sleep bottoms lingerie. That is so crazy. I didn't know they showed that. I thought it would just say Victoria's Secret. Yeah. Probably should have kept that off. All the little gooners out there in the audience are freaking out right now. That is crazy. All right. And then more Victoria's Secret. Probably things we didn't need. I'm guessing. Something tells me you probably had lingerie already. Something tells me you probably already had things to wear on the bottoms. It was my birthday month. Okay. That's fine. If you say that again, I am going to have him slap you. Okay. Okay.

Because you never slap another man's woman in front of him. That's what they say. And she is your wife. I contend. Those were jokes. I want to be clear. I'm doing a little too hard right now. I'm sorry. Okay. Okay. You're good. You're good. Okay. You're good. I can't. I can't. I'm sorry. I can't. It's a lie. It's a lie. Okay. Let's move on.

Cardit won. I made a really bad joke and I don't know if it's in the episode. I'll allow you guys to... We don't care. I don't care. Trust me. It's not about... We consent. We have fun. We fuck around, but... The internet's favorite pastime is to be offended on other people's behalf. $1,000. $725.01 $725.01

Hold on here. With a $700 credit limit for every card except the Victoria's Secret, we're above the credit limit. Yeah. We're above it. Again. And it's credit one. If we see credit one, that's like the worst credit card you can get. I didn't know that. It's legitimately the worst. Didn't know that. I'm sure it's worse, but it's pretty much the standard like bottom of the barrel. Why are we purchasing $1,000?

$39 on here. I think that was the same trick that I was talking about, like when my checking would be negative. No, but on credit one? Do you know what credit one does? Look, you're getting fees, $8.25, then interest $11.16. And I think that one, which kind of sucks, but I think that one was paid off for like a year. Like that one is a recent... You're paying rent on a credit one. On a credit one, you're paying rent. Because I think we've had that one for like four years. And I think that one, like I never touched it

Like I didn't have a card. You're not a credit card person. No. No. You're not a credit card person. I don't even... You know, I usually tell people to get the Fizz card. That's just one of the people we work with that's good for charge cards. I don't even want you guys to do that because I think you'd f*** it up somehow. No credit cards at all, basically. No, just nothing. No charge cards, no credit cards. No, nothing. Nothing that could... Yes, you did. You did the f***ing red thing and you did the f***ing red thing and you did the f***ing red thing. Yeah. Mexican restaurant and then you did the red thing.

Red thing again. Fees. $66 of fees. $13.46 of interest this year so far because you just started doing it on this card. Yeah. 29.15% interest. Sake. Are we almost there? Oh, not even a fourth? Okay. A couple pages in. A couple pages in. Yeah, I think that's where a lot of the... Okay, platinum. Capital One Platinum. Mm-hmm.

$56 spent here. 12 and 12 cents. $33 and 14 cents of interest. Oh, congrats. Round of applause. Can you please clap? Clap for me, please. Clap. Oh, me too? Yeah, clap. Congratulations, guys. This time we're not over the credit limit. We're only $20 under it. Only.

Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15% discount. And you get $100 in cash gifted to you right into your MooMoo account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you.

You guys are starting off my week with something special. $1,330.15, $1,350 credit limit. Okay. All that purchasing is definitely helping us. To be clear, the balance went up even though you paid a payment.

Oh my gosh, you did the rent thing on here. Do you even know she's doing this? I do. And you're okay with this? Do you have any understanding of it? I do understand it. She's just trying to get away from getting overdrafted into debit. But you know you are losing more money with these fees and interest, right? To be clear, you are not saving $35 or $45, whatever you said it was. Mm-hmm.

You are losing more. I agree. Losing more than what you're trying to save. Absolutely. And then what's this Airtron? That's for our AC. It's like a subscription for our AC. Subscription for AC? Well, they go and they fix everything. They fix everything for free. How often? Well, ours have... In the four years that we've been there, it's went out maybe like four times already. How old is the unit? It's only four years, but the house is... Warranty. Cheap.

Well, that's who it's from. The warranty was only a year, I believe. But yeah, they... Are the units that shit? Yeah, it's bad. The house is just bad overall. Did you buy the unit or was it new when you got the house? It was new when we got... It's a new build, everything. So I feel like we do need that. For that price of the new build? Well, because something had went out and they were trying to charge us $700. $700?

And then they said, well, if you get the subscription or the whatever, the monthly subscription, it will pay for it because it's covered under what they cover. But anyways, I canceled it. So I'll just restart when something goes out. 28.99% interest on this card. Interest this year so far, $236. Yeah. Oh, $35 fees. We've had either late payments or... Yeah, we've had a late payment this year. We've had to. I don't remember. Well, you have.

Most likely, yeah, if it's $35. Yeah. Okay. Walmart card. I don't know if I have enough lines in this notebook for this episode. Yeah, that one was recently spent on as well. $35.25 with a $28 minimum monthly payment. I didn't even get the minimum monthly payment on the last one. I feel like that one might be paid off as well. The minimum monthly on the last one is $46. So you're saying the Walmart's paid off? Yep, this one looks like it normally is. Is it this time? Normally.

I feel like it is because I only spent on it once. Yeah, we went to Walmart. Now, what was this? It was costumes and then just like essentials. Halloween's in like a month or yeah, like a month. In a month? Yeah. It was just for the kids, not for us. Why did we get Halloween costumes on September 3rd? Just to have them in advance.

In case someone moves up Halloween? No, they're for Halloween. I just bought them in advance. Uh-huh. Yeah. Preparation. Yeah, we don't have any money.

Yeah. Maybe we're doing the whole sheet with the holes in it type thing. Like the ghost. Okay. American Express gold. You said you spend on the gold, right? Oh, yeah. We spend on that one like every day. Oh, yeah. We spend on this. Okay. So I know I have a balance on that one, but if we spend $40, I add $40 first and then I spend the $40. I swear. Nope. You spent more than you put towards it. For real? For real. For real.

How much? Well, in the pay in full, you put $260 towards it but spent $295. But the pay over time, you put a little extra towards it more than you spent. Yeah. But that doesn't matter because the interest was over. It's like $120, right? $120 for that portion, yes. Yeah. It's usually $120 a month. I pay attention to that one a lot. Okay.

Okay, it looks like you pay your pay in full off before interest accrues there. But your pay over time... What's the point of the pay over time if it's accruing interest? Paying over time only makes sense if it's like 0%. So I really don't understand. Yeah, I think we just use that one every day. Like I genuinely use that as my debit card and it sucks because it has a balance. Because it's a charge... What is it? Like called a charge card? Where it doesn't have a limit? Yeah.

um i canceled that i canceled that i don't give a you just spent on it well because they give you ten dollars a month it was 33 stop with the excuses and justifications and the targets the the back to school holiday orlando um oh oh no so that's a timeshare

Oh my gosh. You guys have done everything. Is there a payday loan in here? No. Have you ever taken out a payday loan? No. So you've done everything but one thing. A timeshare? You guys are in a timeshare? I don't even think people are HD timeshares.

It just, it sucks because it's like it made sense at the time because it's like. How? Because I just like picture us like traveling and being able to like be with our family. And is the timeshare very good at moving everywhere you want to go? I mean, it's pretty good. Everywhere. And they gave us like four trips for free too. So it made sense at the time. What is four trips for free? For like flight, hotel. We can use them in four.

two years in two years we haven't used any of them we're not using them anytime soon but it just made sense at the time when will this be paid off and then it's only maintenance fees forever I sent that I sent that but we just got it in March so we recently got it

yeah but that's that's that you guys want to pass this down my producers are saying you want to pass down your time yeah it's it's for it's for three lifetimes you know it's maintenance fees forever i think it's fifty dollars a month i mean not a month a year i'm sorry a year well we'll see i want to look at this i sent i sent it though i want to look at this the dock was corrupted okay i might have you pull it up okay

Okay, so timeshare, which by the way, it doesn't even matter. We're putting it on a credit card that's accruing interest anyway. So it's like, what the f***? Amazon, Amazon, Amazon, Amazon, Foot Locker. Why do you guys think you're a lot of travel? You're not a lot of travel. You don't have any money. You can't afford to take care of your own kids. You're not a lot of travel. Smoothie King. Stopping in, getting some BS. Amazon.

Maple Street biscuit, Krispy Kreme. You guys across every card throughout here, you're easily spending on food twice a day. That's our biggest issue. So I put it in the notes, but my nephew uses on that card as well. No, he pays that Krispy Kreme, so it's not ours. I don't give a shit. Get him off. Get him off. Oh, he pays it. No. No.

No, I don't care. We can't have any accidental thing. What if he decides not to one day? You guys can't even pay your own. So I don't care. It's done. He's off. He can get his own credit card. Okay. Your cousin and not in the normal Texas way. He's my nephew. Get him off of this. Oh, yeah. See. Saltgrass. I've said that before, though. Stopping. Add a thing. Get into BS. Stopping. Add a thing. Get into BS. Oh, that's my nephew. Boba T. I don't give a shit. Get him off. Okay. Okay.

I say take your eye again. Take a year. Take a year. Get it gone. That's his student. And by the way, I've also had the conversation with her to get him off. So because that's his school. Bleep the word. Yeah. That's by the stopping and getting some BS. Cheesecake Factory. So I'm going to get bookstore at college. Raising canes.

Spending things at the college all the time. Wait, so are you in college right now? No. Those are my nephew's purchases. So it's your nephew's college. Yeah. Get him off this car. Why would your nephew be on a card? He just wanted it. We tried to tell him to not get it, but he wanted it. He just likes the way it looks. I don't know. Hey, guys. I'd like a $200 steak. You getting it for me? No. No. Okay, tell him the same thing then. Yeah. I don't care if he wants it.

Oh, good. We went to Padre Island and Ocean Treasures and Dillard's and Dillard's. That's his. Stopping at the school, stopping at the school, and stopping at the school. They're not out. That's all his. They're not out. I'm just thinking, any of the money that is just accruing interest, imagine that being in your brokerage. If I put it in my Moomoo account right now, and I was investing in the S&P 500, you guys would be set for life. You have no idea what you're throwing away right now. And that's what kills me the most, is people just don't even know what they're throwing away.

Chase Auto, at least we're getting away from the credit cards. Hold on. I didn't write the balance. Okay. Hold on. $4,779.64. $118 of interest accruing on a monthly basis with a payment, a minimum monthly pay over time payment of what? Of what? Of what? I don't know what the pay over time minimum monthly is. I don't think there is one. Oh, it says pay whenever? Yeah. Okay.

They just want to accrue inches forever. Okay, what is this car, Chase Auto? What is it? What do we have? A Camry XSE. Year? 2020.

Better have a great interest rate then. It's average. You got it in? 2020, right before the house. What's an average interest rate? I can't see it. Like a 5.3 or 5.1. Okay, it's not the worst. And we should... Depreciation and everything is definitely bad. Yeah, we should pay it off by next year. But I am planning on paying it off earlier. Because you actually have equity in this car. You actually have equity in this car. Past due. No, I paid that. We're past due! We're f***ed.

due. When is that? Oh. Oh. It's a quality statement. I don't know why. It's hard to read. But you're past due. $573 is the minimum monthly payment. You were past due. I don't even give a f*** if you've made it up. You were past due at the time of this. So we're past due people. I think they put that. You guys are collecting every infinity stone of getting f***ed

I think they put that behind the, the loan. You put it at the end? Yeah. You know, this is giving more time for interested crew. How many times have you done that? Only, this is my second time. I did it during COVID, but I can't do it anymore. Like, I don't want to.

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the free money because i'll punch you you gotta stop you gotta stop with this madness dude did you know i didn't know what do you think a lot of news that we were about to get paid off you know this is extending your payment which is allowing interest to accrue longer what do you think i think something gotta change something's gonna change scholar okay that's the best news we heard so far yeah that one's i think paid by next year you have a four thousand dollar equity position in this car

I don't think so, but... Well, we recently got hit. Like, somebody hit us and ran. Was that calculated into it? I don't know if that's correct. Jake, was that calculated into it? The hit? Them getting in a car crash? I put it as $4,000. $4,000? It's worth $4,000 more than you owe.

On KBB and usually they're pretty conservative too. I had thought it was worse because we have like a, I used to use it for work and it has like 100,000 miles on it. Did we do the miles? Yeah, we did everything. We got your info that you gave us. Okay. And it's 4,000 more. Okay. Okay. So you owe 11,895 past due. I can't believe you're doing it. Have you, the accident, has it been...

it was reported but they left so because i was in but is it like is it just looks it's the bumper uh-huh have you fixed it no you could fix a bumper before selling it though yeah they try to quote us like a thousand so i just it's our daily so i don't really care what it looks like yeah but you do have an equity position which i like to see okay that's good

This is technically your card. And I thought, okay, we're going to see spending from him. But you're saying you spend on his card. You are an addict of spending. I'm a saver. He is a saver. There's no savings to speak of. What are you talking about? Saver. What money are you saving? No, she's not yours. She's spending it all. And you're allowing it. You're going to dinner with her, right? You're a saver. You're a saver. You haven't saved a thing in your life. I tried to save. No, you didn't. If you try to save, there'd be savings. I don't want to hear that. That's going to be delusion. That's going to hold you back for the rest of your life.

Amazon Chase card. And we owe 5,000. Oh, we did it again. 5,196 dollars and 50 cents. Credit limit of a 5,100. We're over. We're over. How do we do this? We're addicted to over.

i so that one turned off turned as a it not a balance transfer because i'm not we've never done a balance transfer but we had a um which again a bad decision but a good decision in my opinion so we had a um what is it called for the water water softener the water softener for the entire house bathed in dry water well we don't buy water bottles

At all. Can you not drink non-soft water? It was nasty. Because we live on the outskirts of San Antonio. Get a water filter. Well, it is for the whole house. Okay. So anyways, that's what that's on that card. So that's what is water softener. Yeah. Like that. That's how you need a water softener. Well, I didn't know that at the time. Well, I mean, yeah, like it saved us a lot of money. Water can be obnoxious. Yeah, it's it was really nasty. But that's how that card started.

It's not how it ended, but that's how it started. No, because he spent $165 on it, so I don't even know what the f*** I'm talking about. Because it's a big balance. $185 minimum monthly payment. Oh, boy, guys. $119.27 of interest occurring over the credit limit. Amazon, Amazon, Amazon, Amazon, Waterburger, Amazon, Amazon. Oh, I have your Amazon spending at the later half of this. We'll go over that then, what you got.

I just don't know why you do this to yourself. $459 of interest accrued this year so far. Fee! Fee this year! You've had a late payment on this too. Passed due on the card. Passed due on credit cards. You know, the other ones. I bet the other ones have had passed dues at some point in fees this year so far. I just haven't... I didn't look. I didn't look. Damn it, guys. Legitimately, 50 minutes into this, I do not think we're halfway through. Doesn't look like it. No. You...

Single-handedly responsible for destroying the rainforest. Oh, with the paper? That, yep. That too. Cook silver, $882.31. This one's not always paid off. Nope. Interest accruing, $38.28. $15 of purchases, $48 minimum monthly payment, $47, sorry.

I'm kidding. PayPal. PayPal. What on PayPal? What PayPal? Try a subscription. No more subscriptions. How much is it? You don't get to subscribe. Is it $8? $15.74. It's a subscription. We don't get subscriptions. You don't have subscriptions. You can't afford subscriptions. There's no subscription in your life other than subscribing or trying to just survive. That's the only thing.

You don't have subscriptions. That's canceled. That's done. No more subscriptions. Oh, guys, I wish I looked for the other. I wish I looked for the other cards. I'm upset that I only started looking now. Two. Two past due or late fees this year so far on this card. Two. Double. Double. Two. $311.89 in interest so far. How many thousands of dollars now have we stacked up to in interest this year?

Throw your car on top of that. City double cash. I love city double cash. City double cash is great. Not for you. It's double penetration. Oh, we are over the credit. No. Yeah, we're good again. We're over the credit limit again. $1,507.35. With interest, $40.61. Minimum fee payment, $62.96. Okay.

36 purchases. We're purchasing on a card that we're over the limit and it's accruing interest. Oh, this is a tough episode to make it through, guys. Amazon, it's for Amazon. Great. Wonderful. Thrilled. Couldn't be happier. Late fees. There's been late fees this year. There's been late fees. There's been late fees. Have you known? Have you known that there's been this many late fees? You guys aren't even paying your damn bills.

Interest accruing this year so far, $246. Okay, wonderful. I'm just going to... Which one is that? I don't know. What am I looking at? That's the timeshare. Huh? That's the timeshare. Your timeshare has an interest rate of 13%? Mm-hmm. Even if it wasn't a timeshare, it's a shit interest rate. Mm-hmm. And then you incorporate the fact that it's a timeshare, and it's almost impossible to get out. Yeah. I didn't know y'all had that one. Well, I sent it, but...

That was encrypted. Yeah, that's that one. What timeshare even is it? The company? It's called Ascendant Holidays. Okay, I don't know it. Balance before maintenance fees, $7,410.20. Minimum monthly payment before maintenance fees, $137.48. This is the loan, dude. This isn't your...

No, there's no maintenance fee. Isn't it at the bottom? It says maintenance fees. Nope. Oh, this is your maintenance fee summary, but I'm just talking about the loan. Oh, okay. Yep, it's at a 12.9% interest rate. And the fees haven't kicked in yet. So you're not... Once the maintenance fee's kicking, that's where you're going to get boned. So you don't even know what they are. Speaking of traveling, you have some travelable card. That's from the... Company. The company. Yeah. The...

Maybe I just need to give up all of my morals and just be in the business of giving people like 50% loans. Because apparently there's people out there like you. If I just ask you if you want it, you'll take it. Because you'll take out any debt that is presented. Okay. A worldwide vacation travel. Okie dokes.

With a $5,993.43. Congratulations, guys. You're $6.76. Nope, I didn't do that right. But just about $6.57. Under the credit line. Really proud. With a $209 minimum monthly payment. Oh, good. We're purchasing. We're purchasing on a timeshare credit card. PayPal, $288. The same thing. What? What?

The trick. This is the trick still? Your special little trick where you get with $107 in interest? Are you still convinced that you saved money doing this trick? No. Okay, good. Glad. By the way, it takes 20 years to pay off. Minimum monthly payment. 20 years. You'll be in your 40s. $409 in interest on this card so far. That's already. No. Wait, wait, wait, wait, wait, wait, wait, wait, wait, wait. Okay. So to be clear...

4,281 on the normal card and you're getting interest accrued from that. Did you guys know you also are on a second play?

That was the six months without interest. Oh, how does that work? Can you tell me? Give me a little sneak peek on how that works. You have interest. You don't have interest for six months. And then after the six months, you get charged the interest that's still on that balance. And where are you going to pay that off after six months? I think that would be October. That's in about two weeks. But they said that we can extend that.

They said that they would extend it. In what way? Extend it in what way? Like they'll give us like six more months or 12 more months without interest. Yeah, but they'll probably add. There's going to be a catch. There's going to be some catch. Because you have to pay this off in two weeks. Or your new, by the way, the balance you have to pay off in two weeks is $1,712. And if you don't, you get added $221.91. Is it deferred? In back interest. Yes, deferred. Yes, you've done that. Mm-hmm.

Oh, okay. I'm just going to just keep digging into this. You know, honestly, that's the first time where I'm almost like, I almost understand you guys not going through your finances because this is insane. It's a lot. Yeah. We've had the most insane situation that's ever been on the show multiple times and they've all been true. And honestly, that's going to be this again.

Because apparently it's a competition. Some people, everyone's one up in each other. Did you guys even know it was this bad? Like as bad as I am telling you it is. As in, as in, as in, this might be the worst I've ever seen on this show. Did you guys know it was going to be that bad? I felt like it was that bad. Two years of three episodes a week. I felt like it was that bad. Okay. TJX, whatever, is that TJ Maxx? Yeah. Oh, great. That was like Christmas presents last year. You don't get to give Christmas presents.

You really don't. You can afford it. $707.48. $27 monthly payment. Purchases? Of course. What would it be without purchases? Barely under the credit limit. Great. It takes four years to pay off doing minimum monthly payments, which you guys are doing. Charles is spending on it, so it takes longer to do that. Hold on. What did we spend? What was it? Where are you? Where are you, you little fucker?

Oh, there was no payment. There was no purchase. It was just the interest. I was stupid. Okay. $131 in interest this year so far. 32.24% interest rate. Target card. Every store that exists you have a card for. Okie dokes. With barely under the credit limit here. So no progress has been made to be very clear. Not a single cent of progress. $1,355.25 with a 32%

and 95 cents of interest eight years to pay off 28.15 interest rate 248 dollars and 52 cents of interest this year's farm many thousands in interest a synchrony card rooms to go seriously every door guys that was our furniture yeah but that one doesn't have interest i know that one for sure

No interest accruing right now. We have until next year. $105 minimum monthly payment. Balance $1,707.73. I'm going to have to go on to a second page. I've never had to do that before, I don't think. Probably get the three. Yeah. The percentage for it when it kicks in is 34.99. I've never even seen that. If we make the minimum monthly, it'll be paid off by December. And that's when the...

promotion ends oh some of them are extended even further you know you have minimum monthly payments on some of these until 2027 you're going to be paying off furniture in 2027 that's we want to have debt until 2027 all right navy federal card 1467 dollars and 65 cents the 36.90 minimum monthly payment okay just under the credit limit 21.90 of interest 10 years to pay off doing what you're doing

18% interest. Fees? We've had a late payment this year. Yeah, that one I for sure have. $180 of interest. Yeah, because they don't have automatic payments. I don't know why. Cancel it. Close it. Kill it. I don't give a... Yeah. Moving on to the next page in my little special book. I'm getting like a sweaty ass we've been here so long. Discover... Oh, I have something to talk about on that one.

Wait, which one is that? Is that his? Yeah. So we recently got on a plan. We can't use it, which I want to close it anyway. But the interest was what, like 28 percent? I don't know if you could see it, but they actually lowered it for a year and then they lowered the monthly payment, too. So I had called them. Oh, my gosh. You're over the credit limit. Well, because they charge a lot of interest. I know, but your minimum payments take care.

It was like not even enough. No, your minimum payments are enough if you're not putting anything extra. I don't think I was. Or fees. Then you weren't putting enough towards it. You weren't doing the full minimum. 29 years to pay off this card. Well, yeah. So we recently got on that program. Okay. But it still probably takes just as long. I think it'll be a little bit less. But yeah. Okay. Maybe it's 20 years instead of 29. Yeah. Yeah. So they lowered the interest rate and then they lowered the monthly as well. What's your new monthly? 140. Okay.

Oh my gosh. A credit one, another credit one. Guys, you're just under the limit again.

We're either at it, over it, or just under. $30 minimum monthly. Luckily, no spending. $8.25 of fees. That's credit one for you. It's just constant fees forever. Then $11.44. $74 of fees this year so far and $85.70. That company is making so much money, let me tell you. Why do you say that one's like the worst one? Like just the fees? Look at the fees. You're getting fees on a monthly basis even though you're not missing anything. Just to have the card, people open like...

You never really see someone with one credit one. They always have like two or three or four million. All right, Quicksilver, $1,276.14 with a $49 minimum fee payment. $33.01 of interest. 11 years to pay off doing it the way you're doing it. 29.96% interest rate. Oh my, oh my, there's been one or two missed payments on this cart this year. We're addicted to missed payments.

259 dollars of interest accrued this year so far. I don't even want to continue this. This is crazy. But actually you guys are very pleasant people so I am going to for you. Because I like you guys. But this is insane. No, of course. I just want to go lay in my office. I think, are we halfway through now? It doesn't look like it. Oh my gosh. It's been an hour. Best Buy.

Guys, everyone give love for Salah. He's the one who's throwing all the numbers and graphics up on screen. And he has a lot of them for this episode. $338.69. That one's on a promotion as well. With a $29 payment. Just under the credit. But it's deferred interest. I'll pay it. I swear. Usually I'll pay that one. Okay. Well, I usually pay all of them, but... We'll go pay it by when? Is it March? It is. Yeah. Okay.

I'll pay that one. Fees. We've had a late payment. Guys, we'll pay this one, but we've had a late payment. That one was waived. They gave it back to me. One may have been waived, but there's still... I don't know, because if it's waived, it would have taken it away. It would have taken it away from here. I'm pretty sure. It was recent. Yeah. How recent? It was like last month. Oh my gosh. This is as of last month. We're still late? Yeah. But that one... And then interest, of course. You still had $4.30 of interest accrued this year so far. Yeah, they gave that one back. Deferred $51.65. Yeah.

Samsung financing. I've never even seen that. Yeah. Those are groundbreakers. That one, I bought my sister a watch. Huh? I bought my sister a watch. What kind of watch? Like a Samsung watch, I guess. I don't know. She's like an Android user. Ew. Stop it.

But yeah, that's... And that one's the promotion too. And I will pay that one off before. It's next year. That's what you say. Next year of 2025. That's what you say. Well, I've seen late fees. Girl! This one? Hey!

Hey, hey, I'll pay this off by then. I pretty promise. But guys, it was my minimum. But guys, it was my birthday month. So I have to go spend three times what we make. It was it was if I do the minimum payment, it'll be paid off by. Yeah. That's why you miss minimum payments every second of your life. I don't want to hear it.

It applied to like six of the cards we looked at, seven of the cards we've looked at. So all it takes is it'll apply to this one one day. You just won't have enough in your checking account. You'll do your fancy little thing. It was our birthday month. My tummy is grumbling. We've been here a year. We're going to be here another year. And you say you're going to pay this off by the time the deferred interest hits. We'll see. I'll come back next year. Do it. On the follow-up channel, $234.88. Okay.

With a $14.68 thing. Just hit me. It's kind of cool that I get to be a YouTuber for a living. It's kind of weird. I just called out another channel for people to watch. Which one? Like the follow-up channel that hopefully you're on. Oh, you did. Yeah, yeah. But that's cool. That is weird. Like that's weird that you get to be paid for this thing. And they're both your channels. That's so cool. That's so random. That's so... I'm dying. I'm seeing the like little happiness thing.

I think that you get a little glimmer of happiness before you go. The seven minutes of your entire life. $14.68 of interest accruing. Okay. PenFed Credit Union. Oh, this is a big balance. They were getting smaller for a bit. Well, we're back. PenFed. And you're a Fed, aren't you? Stop it.

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$3,500. You're at the credit limit. Oh, wait. Sorry, sorry, sorry, sorry, sorry. Your balance is $3,375.33. Did you get that book on Amazon? What book? That book. What book? The book you're writing in. Yeah. It looked familiar. Yeah, don't open up the Amazon app. Okay. Minimum monthly payment, $68. Okay.

Interest, $10.42. 17.99% interest. Some of these things. Okay, well, is this new? Because it just started accruing interest. Maybe it's period end of like 0%. Not too sure. I don't think so.

Again, you not even knowing brings me zero confidence that all these deferred interest ones you're going to take care of by the time they're done. It's going to be the month of and it's going to be like, whoops, uh-oh, apparently I missed a payment a couple months ago and now we're about to get Navy federal credit. Another Fed. $1,442. Minimum monthly, $36.51. $21 of interest. $10 to pay off. My producers say we've crossed the... Tony...

Basically at the credit limit. No surprise. It's kind of what you guys do. $173 of interest accrued this year so far. Another Discover It. Oh my gosh. That one's mine. And that one's on the same promotion. I have like a... It's either six months to a year and they're charging 9.99% interest. But Discover... I've been trying to call them. Everybody in Discover is the only one that's really wanting to help, I guess. But...

That one's on the same promotion. Listen, there are some good companies out there. There are some good companies out there. Like, again, we work with, we partner with a bunch of people to like help in certain areas depending on people's situation. We have the Relief app, which will kind of do what you're trying to do with this, but with all your debts. Mm-hmm.

And I recommend them for most people. But with you guys, you almost use these negotiations as a way where it's okay to spend more money in other places, which I recommend them to most guests. I wouldn't recommend them to you. We don't spend on that one. I wouldn't recommend it to you. Yeah. You have a balance of $2,880.07, $24.64. Interest accrued.

And yes, it's at that 9.99%. And it takes 11 years to pay off. City. Preferred card. My energy is running low. I almost just might also pay for you guys to sit down with a financial advisor at Domain Money. That's our financial advisor service that we work with. So half of them just sort through all this for you guys. I'm going to give my thoughts on it by the end, but...

I think you're going to need to sit down with someone. Our two hours or whatever that we're doing today, I don't think that's actually... Usually it's enough for someone's situation here. I don't think it's enough time for you guys. Like, it's going to be, well, one of them is going to be, like, five by the time we're done. And I want you to sit down with, like, real financial advisors. So...

We might set that up. I mean, we're willing. Like, we already have our house. We have our car. Like, we really don't need anything else, like, credit-wise. $715.33 of a balance on here. Just under the credit limit. And $18.22 is... Oh, f***. That's the interest. The minimum fee payment is $35. We've had a late fee this year. F***!

Interest. $118.76. Ah! Custom cash from Citi. You're addicted to Citi. $2,710.32. With a $92.67 minimum monthly payment. I don't know how you guys are reporting this at this point. All stacking up. Can someone back there start adding up all of their minimum monthly payments outside of their mortgage for me? Because this is going to take a long time. Um.

$65.67 of interest accruing. We've had two to three missed payments this year so far on here. You are... It doesn't make sense that you were in charge of finances in any way. And then you don't know your numbers at all, so it wouldn't have made sense for you to be in charge. But I wish we were f***ing talking. Because I think we could at least counterbalance each other and be like, ooh, maybe we shouldn't be spending money when we can't make our f***ing payments.

Then $564 of interest accrued this year so far. This is another city card. I'm going to blow this place up. Chase Inc. An unexpected player has entered. Chase Inc. $300, $144.84. With a minimum monthly payment of $97. $66.19 is accruing. You guys still having fun? Because I want to kill myself. $191.72. $191.72.

of interest to see her so far down there best buy you both have a best buy then jeez for f*** sake you guys like apply together is that your version of dates is that your version of intercourses let's apply your cigarette after f*** is applying for a debt no my cigarette after f*** ice cream my crave ice cream do you like sandwiches after sandwiches no no I was just asking no clue sandwiches after hey you know what to do man that's not it

He likes candy after. Yeah. Sweets. Sweets. That's where I'm at. $1,452.19. I also like to be left alone. No one ever respects that part. $47 is your minimum monthly payment. Fees...

Fees. We're having fees. What's the fee? What's the fee? A fee this month. This month. This isn't even one that happened this year. What is this fee? That one was the one that was put back. I thought it was the other one. Oh, so the other one wasn't put back. No, that one is. Oh, come on. $2,900 fees and $2.61 of interest.

30.49% interest. Doesn't even matter if this fee, 'cause you've had more fees this year so far anyway. - How many? - $13.35 of interest this year so far. $191 of deferred interest. When does this end? When do you have to pay the soft buy? Mm-hmm. - May. - Oh, multiple deferred interest. Two deferred interest. When do you have to do it? - Is one May? - One. When's the other? February. You would've it up. - Next year, yeah. - Apple.

2,500 numbers don't even look like numbers anymore. $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2,556.02 $2

What is this? Cash up. Cash up what? Borrow. Do you still owe this? I don't think so. I think I paid that one off. You promise? No, I don't promise. But no, I think that one's supposed to be due October 2nd. So that one's closed. Oh, the whole thing? Yeah. Is it all at once? I don't pay it like weekly. I just pay it off. $175. Foot Locker? Shoes we didn't have? Yeah, my shoes.

$64.95. So your minimum monthly. Nope, that's your bi-monthly. Your minimum monthly is $129.09. Foot Locker. $259.80 is the whole thing. Bi-weekly as well.

Yes. Gym shark? What the f*** is a gym shark? Oh, that's close. But... Who's going to the gym? I am. Who's fresh in the gym? So I am. But... Congratulations. I'm going to return those. Since when? Oh, you gave up. No, I'm returning them. Like, for my money back. Did you give up on the gym? No. I just have clothes. You down any poundage? Yes. And I think... Good job. I think... Thank you. And I think it wasn't making sense to buy clothes right now. Sandwiches after s***. Not going to keep the pounds off.

Yeah, so I'm returning those. I already did the little... Then I'm not going to put it on the... Okay, what is this? Credit Karma. What the f*** am I looking at? Oh. Hold on. What? Open derogatory... Oh, no, no, no. T-Mobile! No, wait. T-Mobile and collections? Wait, pause, pause. Pausing. So that one was four years ago. Okay. But they keep putting it on my credit. Yeah, no f***. It was four years ago. But I don't want to pay that one.

why it was it was like it was like some family stuff and i know they fall off after seven years guess what guess what guess what you still know it okay yeah whether or not it's family stuff so i i have tried to call to see if they'll lower it and they gave me half off but i just don't know if it makes sense to pay it off if it's gonna fall off in three years so i did want to ask you about that one

That's not my top concern out of all these things. It's not. You should pay it as an adult, but this is stacking up so f***ing much. They keep taking... So that one shows 2024, but it wasn't. It was four years ago. $900. I didn't know. I was showing up to this when I showed up to work today. 591 credit score. So round it up. Lakeview. Lakeview what? Oh, mortgage. Oh, we made it to the mortgage. That means we're almost done with the debt. Holy s***.

House. How much is the house valued at right now? $315. You think so? Yeah. $213,166.14. I'm saying that weird. I'm losing my mind. And a monthly payment. $1,581. $1,581.63. And that one's going to be lowered next year. $1,586. As well.

Okay. Because of Homestead. I didn't know about the Homestead. Yeah, yeah, yeah, yeah, yeah. Okay, let's see what we got. We got a little camera thing. We got some tape. We got a fitness tracker. Some vitamins. Some flea and tick shampoo. Becoming a supernatural book. Yeah, it's a book. It's a book. Yeah, no. Get the other book. Are you capable of reading if you're buying a book like that? Yes, but look at the other one. Life of Game. Game of Life. No, the other one.

Oh, Dave Ramsey. Yeah. The other ones don't make any sense with that. Yeah. Cream of Nature. Oh, that's your hair stuff. It's for his hair. Okay. You made that sound so nasty. Dude, I just literally read the name of it. Some J earrings. Are you even wearing them? They're not earrings. Return them. They're not earrings. I don't care what they are. Return them. Burn them. I'm already wearing them. Jump rope. You're paying for a gym. Yeah. They don't have a jump rope. You're paying for a gym. Return the jump rope. The Miracle Journal. Okay. Okay.

There's nothing happening in your life. Air filters. Yeah, that's valid. The 44 laws of peace. What are we doing? Aren't we buying so many? Yeah, you are not reading a book a week. I've been reading a lot though. Not a book a week. No. Okay. Also go to the library. Okay. We don't have a library. Evicted property and profits. What are you reading? So I'm reading it because I was looking away. I have a response.

I have a response. So I'm trying to obviously get out of the mess that I've made. And I'm just trying to read books on the situation. This is going to get you into some 0% down real estate crap or something. I don't know. I haven't read it. I'm not surprised. You have a thousand billion books a month. Yeah. That's it. There's no more debts. Yay. Oh, an hour and 25 minutes. Okay. Here we go.

- Kind of mind blown a little bit. - Oh, we've got one more. What? What? What? What? What? Oh no, there's not another death. - Oh, I'm sorry. - $202 is our balance in our checking accounts. I don't know how we're surviving. Overdrafts this. - I told you they were bad. - You absolute.

I've never seen $681 of overdrafts in a year. In a year. You, you, you, you. It's not that they suck. It's not that they suck. You're spending half of your income on fun. It's not that they suck. It's not that they suck. They don't do it to you. You did it to yourself. They did. I said I did. Nah. You need a juice box. $680.

$81 of overdraft in a single year. It's unheard of. $70.86 in overdraft this month alone. And mind you, mind you, this is well, all those other cards doing this thing where we're transferring money from credit cards and off credit cards so we can avoid overdraft fees. So it would probably be double. It would probably be double. It would probably be double.

I wore this nice little shirt to have a nice day, a nice good day. - It is a nice shirt. - All right guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits. Oh good, no way. Your couch, hopping? - Yeah, places I like stay at for the job. - You're relying on bookings for a place to live? - Yeah.

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

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

Then there's always extra bonus things like, for example, an office tour. The team grew. We have to eat out of here now. So this was going to be the fun area. Now it's not. We upload hours and hours and hours of extra content just for you. And it helps support the growth of this channel and the growth of this business. Join the membership. Link in the description below. But you ruined it with your over-trophies. I know. I'm sorry. Hiya.

Don't do this. Look at that. We're overdrafting $700 a year in all these lines of bullshit purchases. You don't have to use to overduce. For fuck's sake. We actually have juice boxes at this office. Wow. I'm sure this is way too calorically dense for what I am trying to achieve in life. Who would like a juice box? You need a real drink. You had some over there. I appreciate it.

Going in and getting some BS. Cash Apping Out. Amazon. Wendy's. Dropaless. Cash Apping Out. Amazon. Mark's Outing. TJ Maxx. Journeys. Cash Apping Out. PayPal. A farm. We're farming. Somehow we think we can afford Uber Eats when we have $700 in overdrafts in one

Uber One. Cash App. Uber Eats. Apple Cash sent out. Amazon. Kindle. Cash App. Zelle. Amazon. Cash App. Amazon. Body Works. Body Works. Ulta. Thought we were done with Ulta. I thought we decided we were done with Ulta. Apparently we're not done with Ulta. Apple Cash sent out. That was your other thing. Apple Cash sent out Denny's. Cottage Irish Pub. American Perfume. Cash Go Eat. We're

Where's all the Apple cash going? Well, I have an Apple card. Apple cash going. Apple cash. That's coming in. No. No. No. Apple cash sent. 40. 100. 180. Oh, that was his hair. All three? The. He had three haircuts a week? The 180 and then the other one. You guys got me up to 90 heart rate. Do you have high blood pressure? After this conversation. Chick-fil-A. Chick-fil-A.

PayPal. No, actually, I checked it out of curiosity. It's fine. That's good. But after this conversation, I don't know. Cash app. Sending money out. Church's chicken. Chipotle. Overdraft fee. Overdraft fee. Cash app now. Venmo payment. Good. With the state, you have $255 in retirement. I'm thrilled. I've never been more excited in my life. That's what we're basically there. He's a saver. Didn't you know? He's a saver. He just started that job, remember? He's a saver. I'm a saver.

And you have $2,239 in this retirement account. I don't know. And then infidelity of $8,540. That's actually pretty okay. It's surprising. You're not putting anything in more than matches, are you? I recently decreased it. And then I had another one. It was $5,000. It was a ShareWorks. It's investments as well. It was like $3,000, $3,000, $4,000. Guys, I've lost the budget.

In the chaos, I've lost it. I saw it. I've lost it. This one? Nope. Oh. I think I'll find it. It looks like. You took up so much space on my notebook. You owe me a notebook. That's why I asked where you got it from, remember? Total income, $6,500. Debt minimum monthly payments, not including the mortgage, $2,918. Car insurances. $100. Total? Yeah. Flat. Flat.

Yeah, well, I paid it the six months, but I'm probably not going to be able to do it this time. When is it due? December. But I will have a bonus. And how much will it be monthly? $91 a month. Yeah. Okay. How much in gas? Room, room, drive, drive. $140, $150? Nothing. Probably $140 together. Oh, together. Yeah. Phone bill? $160. Switch to helium. $20 a month. What are we doing? $15, isn't it? I don't even know anymore. I think it's $20 a month, but we owe on our phones. Oh.

Okay, once it's paid off. How much then? What was it again? $160 for five lined. Okay, there it is. House. $1580. $1580. $63. Utilities? $160. Electric. $110. Water. What else? Internet. $52. Gas? That's included. In what? In the electric. Oh. $322. Okay. $322.

We should be able to do groceries for about $900 a month. Meal prepping. Meal prepping a couple times a week. For example, my second in command over there, you know what disgusting thing I learned? This is like more than I would suggest. But he meal preps for two weeks at a time. He eats two dinners a month. You can do that if you have a goal. You can do that. That's a good idea. Probably smells like refrigerator, right? By that time.

So $900 for groceries, we should be able to do. Follow the meal plan in the budgeting program. Tweak it to your needs. TP fund, because the kids, it gets a little harder, probably about $200. Anything else you need, this could be sports equipment. Save one month, spend it the next, whatever you need. Co-pays, do we have to put it on? How much is the gym? It's $28, but it's paid for the next three months.

But it's normally 28? Yeah, but I don't have to pay until January. Okay, well, that's going to come before you know it. Yeah. This is a long-term thing we're dealing with. That's including my training. My training's covered. Any prescriptions? No. Dogs? Pets? I did see a thing. How many? Three. It's probably 60 a month. In what? Dog food. We'll flee and take... It's cheap. Yeah. Cheap food. It's probably a little bit more than that, actually. I'm going to put 100, and I think that's still conservative, but if you're doing it right...

I would do pet insurance. You just can't afford it. But if one of them gets sick, I don't know how you can afford anything. What else needs to be in your budget? A lot. I have a list. I'm sorry. What? So I have a mutual fund for both kids. That's 25 a month. Nope. I take it out. Yep. That's not in it anymore. I pay on a plot. Nope. Like a funeral plot. What? For who? For us. Oh, f*** off. Cancel it.

You can restart it eventually. You're going to live a long time, statistically. Okay. Okay? Canceled. Next. My dad's headstone. Is that... Is he dead? Yeah. Oh. It's financed? No, I just owe. It's like 40 a month. So it's a debt? Well, it's just a contract. I just have to... For how long? Like two years. I pay 40 a month. Okay. What else? That is... Why do I... Wait. Why is there so much paper there? It's on my debt as well. Oh. Okay.

Okay, you can take a tissue. And then life insurance. No, okay. Not through work? No. How much is life insurance? $62. Okay, that's not bad. And then HOA. One second. A headstone is $20? $40. HOA? Yeah. How much? $26 a month. Okay. And then trash is $26 a month. Oh, I would have put that in utilities, but that's fine. Okay? And that's it. Okay. Nothing else needs to be in your budget.

Are you okay not doing the, I get the headstone thing, but are you okay not doing your own grave yet? No, because it's under my dad's. How much was it? It's like 150. A month? For how long? I think like five years. Okay, let me see what I can do. And how far are you into that? Two. Okay. That's okay, I get it. I get it. It's very hard. When did you lose your dad?

About three years ago. I'm sorry. That's really hard. Okay, here's the reality. We've just dug ourselves. You could do, I want you to be able to do that. And we could do that so easily if not for the $2,918 and minimum payments on all the other loans. That's the thing. We've put ourselves in such a bad situation that now you're not able to do the things that matter to you.

Because we're prioritizing our spending and just having fun living life. Right? So combine everything that you need to survive plus that plot, $6,739.26 we need. Now your bonus doesn't always come in. So it's more $6,000 a month plus the bonus hits. So really we need to minimum make...

An extra $739.26 a month. And that is someone is picking up a part-time job somewhere. But that makes no progress, to be clear. So let's say you make an extra $1,000 a month after taxes. So $225 can go to the debt. The debt, not including the house, was $80,000, just about. So let's just round this thing. That takes 320 months to pay off. Or 26 and a half years. Okay.

Well, he is going to get a bonus. I mean... And bonuses are good. Well, it's an extra $101 a month. So that's coming in October. Okay, that helps. So we still need to make... Even still. I mean, even with that. You know, I'm assuming an extra $1,000, right? And it still takes 26 and a half years to pay off. Yeah. And that's unacceptable. We can't do that. There's no retirement. There's no college fund. There's no mutual fund for the kids. There's no... There's nothing there. So...

What I'm happy to do is you guys are looking for an extra job. If you guys want to increase your resume at all, because someone's going to get a second job. One of you is. This is flat out. Or you guys are going through bankruptcy. Which one? And bankruptcy is expensive. It costs thousands of dollars and a lot of time and a lot of stress. Can you even do that with the mortgage? Well, no. We're going to make sure that, yes, there's variations you can go through. You can still keep the car. You can still keep the house. I don't mind. But it starts getting...

Yeah. It really does. It is stressful. It's expensive. But it is an option. There's also the go make more money option. The most I can work is 45 with my job at least. So I know if I do five and five, that'll bring in 300 extra.

There is also, again, there is the relief app option we talked about. So there's a lot of options here. You're going to sit down with the financial advisor. They can go over different options. There's also the option, and I hate this option, but don't pay on anything. Let it go into collections. But technically, some of these, especially some of the bigger ones, they legally can go after you if they actually want to and take you to court. They can. Many don't, but they can.

And you're really rolling the dice with this many individual debts. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32 debts. Because two were closed, you son. 32 debts. There's one other episode that has just about as many debts, but you definitely have the largest balance with those amount of debts, I think.

So I need you to sit down with those advisors because you're going to have to go through multiple meetings going over this. We can't solve this here sitting down here. The budget, sure, we can do that. And you can get set up with the education and the resources. And we can at least keep you – we know that we can keep you afloat living on the minimums and bringing in an extra $250 a month. We know we can keep you afloat or an extra $500 a month.

We know we can do that. So that's important to learn from this conversation. The debt payoff strategy, we don't fully have. If you go bring in an extra $2,000 a month, you know...

That leaves an extra $1,500 left over of the $80,000 of debt. And we do have like $5,000 coming in from the homestead. And these are great, but these are one-time things. But even still, with the extra $1,500 a month after your living expenses, it's still 53 months to pay off. Let me make sure I did that math right. 53 months to pay off debt.

or four and a half years and that's working your ass off for in a crazy amount of times there is one option and this one's hard because you have such a great rate and you're building you know

Rent is going to be comparable to your mortgage payment, but how many rooms do you have? What's your square footage? Five. 24. That's actually pretty darn good. Yeah, we have a five-bedroom, three-bath. Gosh, because you could live in a two-bedroom for what you pay. But if you sold your house, took out, you know, you sold it and used $100,000 of that, you know, you'd be debt-free with $20,000 going towards the down payment on a new home. And that's a way to clear this up and start fresh as well. So there's options here. Which one is right for you?

I really want to mull this one over because there's so much life-dependent stuff, and I think you need to sit down and have multi-hour long conversations because this is going to be a path. This is going to be a fight. A journey. But I'm glad we at least know you need to go right now, make an extra $250 a month right now.

Like I said, I'm happy to gift a course career certification, go through the quiz, figure out what makes sense for you, and they'll attach you with one and then we'll pay for it. Put it on your resume, get another job. It's just a second part-time job. And with that and following the budget, we can at least break even. So our debt's not going up, right? But I'm sorry, guys. That's kind of where it is today. It's kind of where it is today. There's a lot of options.

Some of them long, some of them a lot of work, some of them giving up, which I don't like, some bankruptcy, which is expensive and stressful, and some of selling the house, which I also don't love. There's a lot of options that I don't love, but many of them do work. What's right for you is going to have to be determined. I agree. So we're going to go into the post show. I want to hear some interesting things about your job. But we also have more, much more we know about you guys through the producers, and they're going to come in. And, you know, it's usually where we save some of the dramas for the post show. Okay.

in the numbers for the main show. I mean, your hammer financial score, this is, oh, the real estate plays into it. Okay, spending or budget, you overspent, it wasn't even close, zero out of 10. You have collections, so debt, zero out of 10. Emergency fund, there was nothing there, zero out of 10. Your retirement, not horrible, your retirement is a joke. So together, I'm going to give us a retirement three out of 10. Real estate,

Not having an emergency fund hurts, kind of. But just the real estate itself with the equity position and everything, it's good. It's in there. It's happy. It's an 8 out of 10. Okay. So Hammer Financial Score, real estate really pulling its weight. It's going to be 2.5 out of 10. That's fair.

Join us for the post show link in the description below. Make sure to check out our investing and budgeting class, which are bundled at a 15% discount down there as well. I'll see you guys in the post show. Today on the financial audit post show. I noticed on a few of your credit card statements, you have cash advance balances in addition to your purchase. Your cash advance?

Oh, you're cash advancing? Was that the cash back one? No, no, no. Cash advancing. You're taking cash from your credit card. I'm not like trying to call you a liar. That's the only way that those balances can... You're destroying yourself. Yeah, I'm going to just take off all the cards. Every infinity stone besides payday loans, I think. To watch the Financial Audit Post Show, click the Join button below.