$426,000+ A Year On Pokémon | Financial Audit

Summary

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Financial Audit: "$426,000+ A Year On Pokémon"

Podcast: Financial Audit
Host: Caleb Hammer
Guests: Tim & Mary (Married couple)
Date: September 22, 2025

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Overview

This Financial Audit episode dives into the contradictory finances of Tim and Mary, a married couple in Austin pulling in an impressive $335,000 a year (Tim: $250k, Mary: $85k). Despite their enviable household income, they're drowning in over a quarter million dollars of non-mortgage debt and locked in patterns of overspending, lifestyle inflation, and questionable money management. Caleb presses them to confront habits, communication gaps, and hard truths—especially focusing on their high discretionary spending, expensive hobbies like Pokémon collecting, a lavish wedding, and struggles to align personal values with financial goals.

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Key Discussion Points & Insights

1. Income, Budgeting & Lifestyle Inflation

• Household Income: $335,000/year (Tim $250k in software, Mary $85k in market research).
• Combined Account: Mary affirms all income gets pooled; Tim handles most number tracking.
• Bad Habits Persist: Despite a new budgeting app, they’re overspending by $10k in one month alone.
  • [07:18] Tim: "That's part of the reason that we need a budgeting app to keep track of it all."
• Lifestyle Inflation: Spending well beyond their means; enjoying high-end restaurants, travel, hobbies, and entertainment.
  • [08:14] Caleb: "You guys make what, 350? But you're living like you make five."
  • [08:34] Tim: "Yeah, we like nice things. We like ourselves."

2. Debt Breakdown & Rationalizations

• Total Debt: $269,180.29 (No mortgage).
  • $100k student loans (split evenly, both have seen professional benefits from degrees).
  • Multiple credit cards with large balances, personal consolidation loans, and a car loan.
  • Expensive wedding and travel financed on credit and personal loans.
• Lavish Wedding: Cost $70k+, spanning three days in Mexico. Paid mostly in cash, but over-budgeting pushed costs onto credit.
  • [11:06] Mary: "It was beautiful. It was the happiest day of my life and I don't regret it... I will fight you on that, Caleb."
  • [13:40] Caleb: "I want you guys to have this wedding. You can afford this wedding in your income, but you did it before you could afford it."

3. Financial Communication & Relationship Dynamics

• Numbers Divide: Tim is numbers-oriented; Mary relies on him for details ("I just don’t do the math").
  • [03:00] Mary: "I just don't do the math."
• Trust Issues: Tim hides overspending on Pokémon cards, previously quit a job without telling Mary, and rationalizes behavior as "not wanting her to stress."
  • [42:40] Mary (learning about Pokémon spending): "I didn't realize you were spending 400 in Pokémon cards for the month."
  • [43:54] Mary: "His boss called me because he's like, 'We haven't heard from him for two days.'"
• Conflict Resolution: In couples therapy for one month, working on communication but opting for tolerance rather than direct confrontation.
  • [35:05] Mary: "Before I worked in market research, I used to be in mental health... now we're in couples therapy."

4. Overspending & Addictive Habits

• Pokémon Card Spending: Tim blows past their agreed "fun fund" ($100/month), secretly spending $1300+ in one month on cards, calling it an "addiction" and a nostalgia-driven impulse.
  • [59:27] Caleb: "...$1300 of Pokemans so far this month."
  • [66:00] Tim: "There's probably a bit of a gambling addiction element to this."
• Other Hobbies & Gifts: Money bleeds on eating out, board games, recurring pet care, gifts, and family support. Frequent justifications ("first time family visited," "needed a laptop for nibbling," etc.).

5. Delusional Optimism & Repeated Excuses

• Promises of Change: Both believe they can pay off six figures in debt fast ("in two years"), despite evidence to the contrary.
  • [13:12] Tim: "I think two years is probably a goal, but we could probably get out of it within the next five years."
  • [97:57] Mary: "I told you I could do it in two years."
• Caleb’s Pushback: Challenges their optimism citing a lack of follow-through—points to pattern of making excuses and failing to make hard choices.
  • [12:33] Caleb: "You could only do 50 for our dream in five... Big dream day, and you couldn’t buckle down, but you think you’ll magically do it with this debt?"

6. Future Goals, Plans, and More Debt

• Upcoming Expenses: Planned honeymoon to Hawaii ($8k–$12k), future family Disney cruise, discussions of buying a house (while already in deep debt), and intentions for kids.
  • [32:32] Mary: "We're going on our honeymoon in Hawaii... That's going to be great. It's like a dream honeymoon."
• Side Plans: Mary considering buying a business to work from home if they have kids—despite no experience and current financial chaos.

7. Recurring Late Payments & Financial Disorganization

• Missed Payments & Fees: Tim incurs late fees/loss of awareness on various cards; both surprised by recurring charges and financial leaks.
  • [70:28] Caleb: "That boundary is you your payments on time and you've had a late fee this year on this card."
• Emergency Fund: No meaningful emergency fund due to wedding/honeymoon depletion.

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Notable Quotes & Memorable Moments

• On Communication:
  • [21:16] Tim: "We're trying to take the steps to get to where we need to be. Like, we want to buy a house."
  • [16:24] Caleb to Mary: "He knows the numbers. It sounds like he's really telling you what to do."
• On Spending Patterns:
  • [19:01] Caleb: "You didn't. After two months of having a budgeting app."
  • [58:22] Caleb: "Guess what? More Pokemon. More Pokemon on your honeymoon card."
• On Personal Responsibility:
  • [47:19] Mary: "It's not fair that you spend a lot of money on your hobbies. And you tell me like, no, it's just. It's $100, give or take."
• On Delusion:
  • [65:34] Caleb: "I'm concerned ... your version of resolving conversations is ... we're no longer talking about it. Instead of actually achieving a productive ending."
• On Their Only-Recently Adopted Budgeting:
  • [09:17] Tim: “It took me 10 years to get an undergraduate degree...”
    Caleb: "No, no, nobody's autistic though. ...My point being though, is that the 10 years that it took me, ... none of those apply to my actual job."
• On Excuses for Spending:
  • [28:25] Tim: "I mean, it's just a choice. We decided to spend the money there."
  • [32:14] Mary: "My family's trying to do a Disney Alaskan Cruise in like 2026."
• On Addictive Habits:
  • [66:32] Mary: "Never... been diagnosed, but he has told me from day one he has an addictive personality. ...I also think it's a little bit of ADHD brain."
• On Caleb’s Assessment:
  • [92:28] Caleb: "If you want it in retirement, which looking at what you guys do, I don't think you're going to cut back."
• On Capability vs. Action:
  • [97:57] Caleb: "Yes. If you do this, not based on what you're doing."

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Detailed Timestamps for Key Segments

| Timestamp | Segment / Discussion | |------------|---------------------| | 01:05–03:11 | Income, job backgrounds, and handling the finances | | 05:00–07:00 | Lifestyle spending habits, eating out, entertainment, and travel | | 08:10–09:01 | Debt overview ($269k), lack of mortgage, reasons for the debt | | 11:03–13:34 | Wedding cost discussion; overbudgeting and cultural expectations | | 16:09–17:40 | Household money management, communication issues, budgeting struggles | | 19:01–21:31 | No real improvement after "budgeting"; excuses for lack of change | | 27:16–29:23 | Defensiveness over wedding/travel, rationalizations for spending | | 29:32–32:32 | “Dream honeymoon” plans while in extreme debt | | 35:05–36:59 | Couples therapy; differing communication styles| | 39:33–42:40 | Pokémon card spending exposed; violation of agreed fun budget | | 43:34–45:58 | Previous secret job quitting and other withheld financial info | | 46:13–47:19 | Mary's response to Tim's spending breaches and trust issues | | 53:11–55:44 | Debt consolidation loans, their rationale, continued revolving debt | | 58:22–59:46 | Using honeymoon credit card for Pokémon purchases; more hidden spending | | 66:00–66:32 | Tim admits “addictive personality” pattern | | 72:35–73:56 | Frequent late payments, Tim surprised by financial disorganization | | 77:58–78:46 | Eating and entertainment overspending; avoiding meal prep | | 81:08–82:14 | Car loan rationale, attempts at one-car living, and pet considerations | | 83:19–84:03 | Student loans: payments on hold, looming restart | | 90:39–92:28 | Retirement savings far behind benchmarks given their income | | 93:33–94:53 | Monthly fixed costs: rent, utilities, phones, food, pets, trainers | | 96:08–97:57 | What their budget could be if not for debt; theoretical debt payoff | | 98:03–99:18 | Summarizing capacity for debt payoff; reality versus intentions | | 99:18–end | Additional support given to family; Mary sending money to her father |

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Tone, Language, and Final Assessment

• Language & Tone: Raw, combative, peppered with humor, sarcasm, and expletives. Caleb is unfiltered but insightful, often confronting guests' justifications and challenging their perceived entitlement, while Tim and Mary oscillate between justifying their behaviors and moments of embarrassed admission.
• Caleb’s Take: Assigns them a 1/10 Hammer Financial Score, calling out their pattern of excuses, lack of follow-through, and the urgent need for serious, sustained change.
  • [98:03] "I've given you guys more than anyone's ever gotten. ...This is so easy."
  • [99:18] "1 out of 10 out of 10. He was right. He nailed it. First thing he got right all episode. Just kidding."

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Conclusion

This episode is a striking case study in how a high income does not guarantee financial health. Tim and Mary’s journey is plagued by lifestyle inflation, chronic overspending, avoidance, and poor communication. Despite having the financial means to build a strong future, their repeated rationalizations, impulsive habits (especially around gaming and collectibles), and lack of real, consistent change keep them stuck. Caleb’s financial roadmap makes clear: with discipline, the couple could clear their debts fast and build real wealth—but only if they finally match their intentions with action.

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For deeper dives, see these key moments:

• [11:03] "How much is your wedding?" — The wedding rabbit hole
• [39:33] "What is the Space Goblin?" — The Pokémon spending spiral
• [43:54] "His boss called me..." — Shocking lack of transparency
• [66:00] "I'd say there's probably a bit of a gambling addiction element to this." — Self-diagnosis and coping
• [83:19] "Your minimum payment's gonna be likely about 600 bucks." — The looming student loans problem

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Memorable quote to sum up:

"You could have so much fun. Now I'm dramatically concerned that you don't have a fully funded emergency fund. Like, it makes no sense." — Caleb Hammer [96:08]

Hammer Financial Score: 1/10

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Transcript

[A]

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[B]

Like a Kenneth Cole suit made with Choflex fabric to keep them cool at their cousin in law's third wedding in the middle of July. Whatever the thing, Men's Wearhouse has the clothes for it. Love the way you look.

[A]

Men's Wearhouse to watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[B]

I'll spend things on whatever the I want.

[A]

Hear that? He'll spend it on whatever the you want.

[B]

What I'm trying to say is that we're trying to take the steps to get to buy a house.

[A]

You haven't shut the f up for a second. No, I want to understand why you think explaining it right now. If I'm explaining that you will listen and you will hear the answer that you'll desire. Is there a way to communicate with him?

[C]

I just tune him out sometimes.

[A]

Like I'm confused on how he's confused.

[B]

We have two different communication styles.

[A]

Obnoxious and delusional.

[B]

But you're looking at one month after having 37 years of habits build up. Trying to take time to change these habits.

[A]

No, you're right.

[B]

You're right.

[A]

I see the results. I see the results of that. It's more than a quarter million dollars in debt.

[C]

Why didn't you tell me it was that?

[A]

Get your hammer financial [e-mail] and see where you stand in the world of finances today.

[B]

Hey, I'm Tim. I'm 37 years old.

[C]

I'm Mary. I'm 37 years old.

[B]

And this is financial Audit.

[A]

Tim coming in, excited. Okay. What do you do for a living here in Austin?

[B]

I mean, I make money. I work in the software engineering field. So yeah, the last like 10 years or so.

[A]

Yeah, we do that here in Austin. Not necessarily the best market right now. So I really hope you don't get laid off. What are you making?

[B]

Right now? I make about 250, 000 and that's including an annual bonus as a house.

[A]

Yeah, that is chunky.

[B]

Yeah, it's nice. I mean I've worked a long time to get there, but you know, I thought I'd come in so that we can have an opportunity for you to actually look at people with finances instead of just people that have a job. So we actually know what we're doing with finances. Yeah, when you're just wait, what is finances? Well, you're just having a side hustle all the time. Like you think everyone just has a.

[A]

Side hu on the show.

[B]

Yeah, I Mean, everyone's like, you know, doing door dash or working out of, like, the delivery window or something like that.

[A]

Like one out of every eight episodes.

[B]

I guess the ones that just come across that become interesting are the ones that have the.

[A]

So you're not interesting.

[B]

We'll have to find out. Right? That's the whole point.

[A]

Okay, so someone with actual finances. That's. That's curious. Okay. $215,000. That's great, huh?

[B]

50.

[A]

Yeah. Okay.

[B]

I thought I said 15.

[A]

Oh, no. And Mary, what do you do?

[C]

I work in market research. I bring in after bonuses and everything. I bring in like 85, 000 a year also.

[A]

Great, great. Just that alone would be great, but with this 250, so, I mean, we're killing it. Well, it hits our account on a monthly basis, on average, across everything. Are we combined account?

[C]

Combined account, yeah.

[A]

Okay, there's finances, ladies and gentlemen. It's a combined account.

[B]

I'm glad you recognize that.

[A]

Yeah. What is the account?

[B]

I don't know what hits the account on a monthly basis. Yeah, yeah, we hit the account roughly 18,000amonth.

[A]

Why doesn't she know?

[C]

I just don't do the math.

[B]

I'm more financially focused in numbers or not financially focused. We're both equally invested in budgeting, but I'm more numbers focused. Like, I'll keep track of the numbers more closely than invested in budgeting.

[A]

But she doesn't know the numbers around the budgeting.

[B]

Our budget skills are in development. We only recently invested in a budgeting app in the last two months or so. And so we're trying to stick to that and be.

[A]

And you were doing before, a little.

[B]

Like finger to the air, you know, keeping track of it mostly in my mental financial spreadsheet, I guess you could say.

[A]

Well, how'd that work out? Because I don't know if we're in it. Who knows if we were able to put it together, but two days in a row now I've had fat sex. And this is fatter than the last one. This is going to take us an eternity to get through. Finger to the Air. Oh, you have actual finances. This is crazy, man.

[B]

That's just a number of accounts.

[A]

Listen to that. That booms the room. You hear that?

[B]

I'm glad you brought you a toy to play with today. We brought you a toy so you could actually have a good time.

[A]

You brought me a toy?

[B]

Yes. Better than that. Labubu behind you, huh? Yeah.

[A]

Okay, sure. So what were you guys doing before this? I mean, you said finger the air yeah, but what did life look like before this? Oh, we got a budgeting app, which, by the way, I mean, I'm gonna see the month that you had a budgeting app, I. E. The last month. So month number two of having a budgeting app, shocker. Didn't go well. But what were you doing before the budgeting app?

[C]

I think just trying to tally everything up. Like, in our head, we're not really. I don't know, I, like, spend some time.

[A]

What did life look like?

[C]

I mean, the same as it kind of does now. Like, we go out to eat several times a week. We go to the movies at least every other week. We have our hobbies. We have our dogs.

[A]

That's not going to the movie every other week. And going out to eat every once in a while for an income as strong as Yalls isn't even close to concerning by any means. That wouldn't lead us to this.

[C]

I mean, we like nice things. We like nice restaurants. We like to travel.

[A]

What is out to eat. Spending $2,000 every few days.

[B]

No, I mean every. We probably spend. We spend, you know, $200 or so a week on. On eating out.

[A]

Be like, we would not make or break your budget by any means.

[B]

We didn't always make this much money. We always. We. We met later.

[A]

How long have you been making this much money?

[C]

Five years for me.

[B]

Yeah, so.

[A]

And you?

[B]

I over 100k for the last five years. Five or six years?

[A]

What the fuck are you talking about? So you guys have been double, triple the median household income for minimum five years.

[C]

We had a lot of debt coming into our current jobs that we have now.

[A]

Yeah, but that's over five years ago.

[C]

Yeah, but it took us 10 years.

[B]

To build up that debt ahead of that time. So a lot of it. A lot of the situation is us mortgaging our 30s to pay for our 20s is how I would describe it. We spent. We both went into a lot of debt, had a lot of fun before we met each other, and then now that we are in our 30s and actually meeting the earning potential that we plan to have, which is why we.

[A]

Spent 27,000 hours last month when we bring. When we brought in 15.

[C]

Yes.

[B]

Yeah.

[C]

Yes.

[A]

Because we got married. We were only bad before, and we're doing great now. Second month into having a budgeting app, guys, it was all 10 years ago, which is why we spent $10,000 more than came in last month. What the are you possibly talking about?

[C]

It was a special occasion. We got married.

[B]

So we recently got married yeah.

[A]

Recently. When?

[B]

June, a couple months ago. Last month didn't include. That's not in that 27,000.

[A]

Okay. I'm not seeing this marriage.

[C]

Well, it'll come up.

[B]

I mean, the state of Texas knows about it if we need to go get a certificate for you.

[A]

No, I'm saying in the finances, I don't know.

[C]

Maybe we did save. So we. We got engaged and we. We waited like, almost three years.

[B]

But last month, those costs weren't in August. Last month, our costs would have been related to paying off debt and paying for our dogs. We spent a lot on taking care of our dogs. We spent a lot on going out. We spend a lot on entertainment. Restaurants, bars, just enjoying our lifestyle.

[A]

You bring in net? Well, 18, which is. So this was just about that. I, again, I had 15. 5. So it was a little less. But this doesn't make any sense why you would spend 27.

[B]

I think that's part of the reason that we need a budgeting app to keep track of it all.

[A]

This was the second month into a budgeting app. What did you find?

[B]

We spend about. The budgeting app told us that we spend about $2,500 over our flexible budget.

[A]

So, like, what do you consider your flexible budget?

[B]

Discretionary accounts.

[A]

Yeah. What number?

[B]

I don't know. I've got to. I can pull it up on my phone. I think it's like $4,500 or so.

[A]

So 45. Well, it's okay. I don't need an exact number, but 45.

[B]

Yeah.

[A]

Is your considered flexible budget? Well, we know you've spent well beyond. Also, bad debt alone is $161,000. 161 bad debt. That's bad, bad, bad debt. Then there's a lot of no way. No. You guys are $269,180.29 in debt, and not a single one of those is a mortgage.

[B]

Correct?

[C]

Yeah, we do want to buy a house, like, in the next two years.

[A]

Okay, so, I mean, what the is this? This is lifestyle inflation to the core. You guys are making well beyond what anyone in their wildest dreams makes. And yet you're living like you make double somehow. Like, this makes no sense. You guys make what, 350?

[B]

Roughly three. 350.

[A]

But you're living like you make five.

[B]

Yeah, we like nice things. We like ourselves.

[C]

We worked hard to get to where we are. And I know that other people say.

[A]

You were but 350,000 hours hard, not 500.

[C]

Well, I mean, a little. You got to live life a Little. We enjoy ourselves the life back in a living.

[B]

We do set aside like a lot of that. I don't know, like, I'm curious to see what that 27,000 actually goes towards debt when it comes to spending because we do pay a decent amount towards our debt that we had before getting into our situation.

[A]

Maybe. I don't know. That's what I do. You. You guys have literally more than a quarter million dollars in debt. None of it's really good. 100 of its student loans, which has provided a return on investment. Sure, but. And then there's some zero percent cars. But then. What do you mean?

[B]

I. It took me 10 years to get an undergraduate degree, but. No, no, nobody's autistic though. Yeah, well, aren't we all? It's a spectrum, right? You can't argue about it. I've seen you.

[C]

A little. A little. Maybe a little on the spectrum.

[B]

My point being though, is that the 10 years that it took me, I jumped between a couple different things. I started studying music, went to accounting, went to mathematics, but none of those apply to my actual job. All I do is that I actually, I taught myself how to code and got into software. So my education that I got wasn't necessary for the skills and the job that I do now.

[A]

Well, is Most of that 100 you. I'm sorry, most of the hundred student loans.

[B]

Half of it is mine. Yeah. We each have about $50,000 in federal student loans.

[A]

Well, you're still paid off, though.

[C]

I have like $4,000 left on a state loan and then.

[A]

But yours paid off. I'm saying what you borrowed for your income that you're getting has paid off. It was a good return on investment.

[C]

Yes, I think so.

[A]

Yeah. No, objectively.

[C]

Yeah.

[A]

I mean, you guys make an incredible income again, which is crazy. Why? Why? Every time. I swear, I swear in this country specifically, it's like. I mean, there's a big part of our culture, like people are going to be envious of your financial situation. They're gonna, you know, almost be upset that you make this much money. Honestly, don't even be upset. I swear, people, every time I meet people that make a ton of money, they're in worse financial situations than those who are broke. I mean, because you guys have this.

[C]

We could get out of it. I feel like in less than.

[A]

Why haven't we.

[B]

It takes time to get out of it.

[A]

Sure. Five years of making an incredibly strong income. Three times the average median. The median household income in the United States.

[B]

So why haven't we because most of that time we spent like most of our discretionary income was spent saving for a wedding to be able to pay for our wedding.

[A]

How much is your wedding?

[C]

$70,000.

[A]

Why? Again, you guys are living a 500,000, maybe $750,000 lifestyle.

[C]

It was beautiful.

[A]

Okay?

[C]

It was beautiful. It was the happiest day of my life and I don't regret it. And I will. I will fight you on that. Caleb.

[B]

Yeah. We went over. We had a $50,000 budget for the wedding. Paying a little bit more than that. Whenever.

[A]

Yeah, 25% more, right. Or 50% more?

[C]

Yeah, I think so. Yeah.

[B]

Yeah, I'd say. Yeah. Roughly in that state. That right time frame or that it was great. Pay range.

[A]

What the cost? $75,000.

[B]

Magic, my friend, magic.

[A]

Okay, let's give an example.

[C]

There were. Well, there were three different parties because I'm. I'm Mexican and you know, in Mexico you have like a three day long celebration.

[A]

Well, I mean, you're in America. Yeah, well, fun fact with that one.

[C]

But we, we may have traveled.

[A]

The wedding was in Mexico.

[C]

Yeah. It was cheaper.

[A]

Yeah. You saved so much. We did.

[C]

We had what we got.

[B]

Yeah.

[A]

It would have cost if you went insane in America. Sure. Dude, this makes no sense. This makes no sense.

[B]

I mean, we. We wanted to have the wedding of our dreams. We wanted to have the party that we wanted to have. And we prioritized instead of. Yeah, completely.

[A]

Financially. Financially.

[B]

Yeah.

[A]

You could have been fixing it for so long. You're saying you saved up to $75,000 over five years?

[B]

I don't think we saved up about $50,000 over five years.

[A]

Okay, good. And you can get out of a quarter million dollars of debt, in fact more in two years when you saved up 50,000 hours in five years.

[C]

If we really like math isn't working.

[A]

Our big dream day. You couldn't buckle down and really figure that out and work hard?

[B]

It's not that we couldn't. It's just we chose to have the party that we wanted to have and that's what.

[A]

No, no, no, no, no. She's saying you can do $250,000 in two years if you really buckle down. But the big dream day was our big special thing that she would never regret and never take back. Okay, great. But she. You guys couldn't buckle down for five years and do more.

[B]

I think that there's actually a little bit of.

[A]

I wish there was proof. I could be like, woo. Yay. Yeah. Two. Two years and we're out of this Guys, let's go. I would totally believe it if.

[B]

I think two years is probably a goal, but we could probably get out of it within the next five years. I mean, we've been paying off various accounts, and even before we had the budgeting app, the whole goal was whenever a check hit our account, it would say, okay, what do we have to. What's our next debt that needs to be paid? We'd pay all of our debt first, and then we would use the rest.

[A]

Of my money and pictures in their wedding. This is insane. They're in, like, a castle. They got marching bands. They got. There's a parade. Ridiculous. Yeah, it was absolutely. Yes, it's a three. No, no, no. But it's just, like, it's the entitlement around it, thinking, like, because you wanted it, you could afford it. And it makes sense. It necessarily doesn't. And yes, you're Mexican now in these pictures. I thought you're Asian here.

[B]

It's not the first time she's heard that, you know, But.

[C]

But we did pay. Like, that wedding is paid for entirely. That's why we waited so long to have the wedding of our dreams, is that we wanted to put as much cash down as possible for it.

[A]

I get that, dude. I'm saying you have no proof to back up you being able to pay this off in two years when you could only do 50 for our dream in five.

[B]

What do you mean there's no proof? Like, we're paying off? We're payments towards debt.

[A]

We're making payments. Doesn't matter.

[B]

We're making more than minimum.

[A]

Well, you can see you spent more than you made. Like, that always gets offset. Oh, there's someone twerking on the ground.

[B]

That is true. Yeah. We always. We always ended how? We always know how to throw a good party. Our friends always bring the best energy. For sure.

[A]

You guys can always afford it.

[C]

We had mezcal bottles with our names on it. It was. It was perfect.

[A]

Yeah.

[B]

Little Sunday brunch the day after. Everyone.

[A]

They made her into a pinata.

[C]

What?

[B]

No, that's not her. It's just a. They do a. What's called a calenda in Oaxaca, and that was the parade that occurs after the. The wedding reception.

[A]

And boring. Is true. And we're not. I, I, I want to learn a little more about you guys. But it is true, this first statement, they made more than a minimum payment. That is true. Which is what you do. But it doesn't matter because you spent more than you even put towards the card. If you make more than a minimum payment, but then you way more than you even made in terms of the payment. Then you, you don't get out of debt. And again, the no proof. There it is. I don't know what, what is your guys's internal dynamic about our money? You guys recommunicating? How, how's it working? How's it looking? The house, the household?

[B]

I mean, when we, a paycheck gets the account, usually I'll talk to her and we'll say, hey, what do we need to pay between now and the next paycheck? And we'll pay off all those items. And then at that point we take.

[A]

How are you choosing? Because again, you spent more than you even put towards this on the last month.

[B]

It all comes to due dates for the accounts. So if something's due, so we get paid on the 1st, you're talking when a minimum is due, when a account balance, when. Yeah, when a next monthly payment is due on the account. And we pay the minimum payments for everything there. And then we have an additional fund in the budget line that's about 1500 dollars of debt that we can pay towards debt.

[A]

But again, you spend more on it than you put towards it, so it doesn't matter. And by the way, you are not answering my question. I asked how the dynamic of finances are in the household, how you guys communicate. He knows the numbers. It sounds like he's really telling you what to do. It sounds like Conquistador came in here and stealing all the gold.

[C]

Like, no, it's. I mean there are some, there are some charges that are on the account where I'm like, I don't really know what that is. But then I just ask him.

[A]

And not knowing what it is. You don't know the numbers?

[C]

I mean, not specifically, no. Like, I know he makes X amount every time he gets a paycheck. I don't add it up. So when you ask, like how much hits your account every month? I don't know. Like I can guess, but I don't know the specific number. And then I know that my accounts are paid for every time. Like we don't have a late payment every time that it's due. I pay my account and I know what I spend on monthly and he spends on his stuff monthly.

[A]

I don't.

[B]

That's one thing that we're trying to do better about and that's one thing that we spend a lot of money on is eating out and eating, you know, not so much doordash but just nice restaurants. And stuff. You know, we. Her birthday was last week. We went and had a nice sushi dinner.

[A]

You guys will have an excuse for everything. There will be things that pop up forever. You'll have an anniversary every year. You'll have two birthdays every year. You'll have. And do you guys have kids?

[C]

No.

[B]

Yeah.

[A]

Well, you'll have birthdays for them every year. You'll have Christmas. You'll have family. There's always things that'll be popping up. And you guys will use that as an excuse to spend an infinite amount of money constantly.

[B]

But if we're making money, we should enjoy it.

[A]

You do.

[B]

Why? Why shouldn't we enjoy the money that.

[A]

I'm saying don't enjoy it. I say enjoy it responsibly. You're responsible. You're spending like you make 500, 000 a year.

[B]

I mean, when. Relatively speaking, when I was younger, that's absolutely how I spent. I spent 500,000.

[A]

That's how you're spending now. You spent $27,000. You brought in 15. Why the. Are we talking about when you're younger? I'm talking about you literally in the statements that we have.

[B]

I. I don't believe that your statements are. I don't believe your calculations are perfectly accurate because the amount. But you're counting spending and all.

[A]

Example, first credit card, they paid 4,000 towards it, but spent 9,141. Just because it's not visible in your checking account doesn't mean that's not what spent. I.

[B]

But how does that spin across? Like when you look at the checking account and you look at what was coming out of the checking account, is.

[A]

That just about the checking account? As all accounts combined, big guy, what card is it? It's the Navy Federal.

[C]

It's your card.

[A]

Your card.

[B]

Yeah.

[A]

I mean, miscellaneous flown was borderline 10,000. It's right there.

[C]

On what?

[A]

I don't know, but that's the category we'll find out. Miscellaneous can range from video games to monster energy drinks to who knows? We're gonna go through everything. Going out to eat was a thousand two hundred twenty five dollars. Like, this thing's crazy.

[B]

That's why we're trying to, like, adjust our spending in our budget now, because we're trying.

[A]

You didn't. After two months of having a budgeting app.

[B]

Sure. But we have to adjust the way that we're spending so that we can get to the next part of our. Our next phase of our life.

[A]

I agree. Which is why you didn't do it in Your two months of having a budgeting app.

[B]

Right. And so now in the next two months, why do you keep saying, well.

[A]

What is this answer? This is. That's such a non answer, though.

[B]

It's not an answer though. What I'm trying to say is that we're trying to take the steps to get to where we need to be. Like, we want to buy a house.

[A]

You haven't in the two months you've had a budget. Like, I want to believe you. If we're sitting here and we're just having a conversation where we're not being fully open and I'm not for a second, why you think? Because I'm explaining it right now. If I'm explaining that you will listen and you will hear the answer that you'll desire, why do I not think it? Well, because you say, oh, I'm going to do this. This is going to happen. This is what we're working on. And in a conversation, if we were just at a coffee shop, I'd be like, because why have the conversation? But here's the thing. We have a budgeting app for two months. I have your most recent month. I see the spending that's within that month. So why am I trusting and believing that you are going to do that when all the proof that is on paper, on paper is suggesting otherwise? So why would I just sit here and listen and just be like, oh, you're right, you are going to fix that. What the are you talking about? You have the same tools that you had the month that we're seeing here. I'm not just gonna take it and believe it and stop pushing back because.

[B]

Oh yeah, but you're looking at one month after having 37 years of habits build up when it takes time to change these habits.

[A]

No, you're right. You're right. And I see the results. I see the results of that. It's more than a quarter million dollars in debt. And I see the habits that you're doing literally last month, which means it's not going to 100% be a completely 180 next month. And that is blowing 10,000 hours more than you make.

[C]

It takes like six months for change to happen. So. Right, like six weeks. Six months. What is it?

[B]

Two weeks to make it a habit and then six months to see two weeks.

[A]

We're in two months.

[B]

But there's only. These are on a monthly cycle. You can't measure it on a week by week basis.

[A]

No, but it's been two months. There's been many two weeks in that two months.

[B]

And so we've made habits and changes to the way that we've been spending. Like we. Like we. What we spend on a lot is 0 to 10.

[A]

0 being the worst, 10 being the best. What do you think your financial score is? I'm jumping in these finances earlier than normal because, oh, my, we're going to be here forever. And whatever delusional world you're living in right now hopefully gets cracked. I'm going to go three, two, one. On. I want you to give me what you think the household financial score is. Okay? Three, two, one.

[C]

Three, one.

[A]

Okay. Why do you think you're better than he thinks? Or how about this? Why does she think you guys are better than she thinks? Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, Grandma. Y refi says chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Wirefi has. Gotcha. They'll rearrange your payment plan, ease the monthly hit, and even let your poor co signer off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what? 4.6 stars. And Google says Wirefi actually picks up and treats you like a real human shocker, right? In finance, that's about as rare as me not slamming the desk every single episode. So if you're done fantasizing about robbing a bank, don't do that. By the way, check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to yrefy.com hammer that is whyrefi.com hammer or call 889-733-978. That is 888-973-3978. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. You ever leave a big meeting brain buzzing with ideas, only to get distracted by emails, phone calls and funny memes. So by the time you can focus, you've already forgotten what the meeting was about, let alone what anyone actually said. Same until I got Plod Note Pro. It is a pocket sized AI secretary that captures everything, organizes it and delivers you a beautiful summary with insights to do's and even draft follow up emails. And I'm not joking, Plaud can also brainstorm with you after the meeting using something called Ask Plaud. It's like chatgpt but actually what happened in the room. And don't worry if it gets stuck in the back. Unlike your phone, it can pick up voices from 16ft away, cancel background noise and run for 30 hours non stop. If you're leading people, making big decisions and trying to get big things done, you shouldn't be scribbling messy notes like back in the day. Get the tech that works as hard as you do. Visit Pl AI to get yours today.

[B]

I I think I just have a more pessimistic view about our finances and that we need a be more well.

[A]

You actually know the numbers so I.

[B]

I can answer for myself. I can say that the reason I give us a one is because we have some retirement savings. Other than that like the rest of our financial aspect. Why does she think because she hasn't analyzed the numbers maybe as much as I have. Like she hasn't looked exactly at what's going in and what's coming out. Like the I have a better sense of what's actually coming in and going out on a month to month basis and I think that we need to make more changes for us to be able to get to that goal of getting a house. And you know we want to have a family, we want to have at least two kids like so we need a house to be able to afford that.

[A]

This is way too long of an answer for why she thinks it's a three. But you kept talking about yourself again. If you want your financial score, take the assessment. It is free@caleb hammer.com Take the assessment. Figure out where you're doing well, where you need to improve. Just takes a few minutes and you'll figure out where you stand. And if you don't want to be like a guest who ends up on the show, download the dollar wise budgeting app, sign up for the free version and if you like it, sign up for the annual version and that will save you a lot of money. And it also comes with the budget friendly cookbook that I sign and mail directly to your door. And if you want to bundle with all of our educational products together. Join Dollar Wise Central. Learn more Dollarwise.com. all right, we gotta get into this because we're gonna be here for my entire. And then I got to do. Okay. Navy Federal, the one we make more than a minimum monthly payment on. Woo. We're so excited because we do so well. Then spend double what we put.

[B]

We just enjoy what we enjoy.

[A]

Shut the up.

[B]

I don't think you actually think that.

[A]

I don't think. Shut the up.

[B]

No, you don't actually. You actually wouldn't hear us want to talk, so.

[A]

Huh? Huh?

[B]

What?

[A]

You just said something you've already said four times. I don't need to hear that. All right, now, Navy Federal. Oh, good. It's what happens with a higher income. You get higher access to credit limits and then you just. Your entire life. Now, luckily, for what it's worth, I will clarify from what I said earlier where it's like, you know, like your finances are worse than someone who's broke. Numbers on paper. I mean, someone who's broke, sometimes that means, oh, they might get evicted. They're closer to eviction. They're not paying for a utility. I mean, you guys could be too, if all your money's going to minimum payments. But obviously you guys have tools like bankruptcy, and that could get you to a solution faster. But I just mean more numbers on paper, but. $22,099. What the.70 cents? That's insane. What is going on with this car? Big guy?

[B]

That's kind of our catch all account. I love a catch all, but for the most part, I think a lot of our, like the extra that we spent on the wedding ended up going on to this account. So, like.

[A]

Meaning you could not afford the wedding. I'm okay with the wedding.

[B]

No, we. We. We saved for the wedding. All right, we saved the wedding. And we did a lot. People do here, but why are we comparing?

[A]

Who gives a. Jerk yourself off harder, big guy.

[B]

So we got. So look, we ended up getting. We met in January 2020. All right? And we met in Breckenridge in the middle of, like, right before the pandemic started.

[A]

Oh, no, something else. No one has experienced the pandemic. Okay, continue.

[B]

We ended up.

[A]

See, what makes you such a unique butterfly?

[B]

What makes me a beautiful butterfly is the cocoon that came out of. So unique. Beautiful. Not the same.

[A]

Continue.

[B]

Things.

[A]

You met during the pandemic.

[B]

Yeah. So we ended up getting engaged in 2021, and we got engaged down in Mexico City. And what ended up happening is that we Spent a week there. And then we went over. Then we went to Oaxaca for a week and hung out there and we talked about where we would want to get married. And we decided that we wanted to do it in.

[C]

Wonderful.

[A]

That gave you four years to save up money on a very strong income. Here's the fact. I want you guys to have this wedding. You can afford this wedding in your income, but you did it before you could afford it. And you put it on credit cards like dumb motherfuckers.

[B]

Who's accruing $30,000 and paid $50,000.

[A]

Oh. And then you went over a budget, which means you don't get to do.

[C]

It until everybody goes over a budget. Everybody goes over a budget when they have weddings. That's what my best friend told me. She's like, we went over our budget. Just prepare yourself.

[A]

Maybe your best friend needs to be put down. I've a couple weddings this last year. They didn't go over budget.

[C]

My friends, but.

[A]

And they're my friends, but.

[C]

Did they have reliable sources? Do they have beautiful catering? Was it a three day festivity?

[A]

It wasn't a three day festivity because they're not their money.

[B]

I mean, it's just a choice. We decided to spend the money there.

[A]

Yeah. Chose to spend more money than you saved up. More money that you could afford and.

[B]

More money that over the next few years.

[C]

We really didn't travel during that time. And like, now we want to make up for that. We want to get our finances in a good place so we can travel again.

[A]

You hear this? Hear your privilege. It's.

[C]

We've.

[A]

What is wrong with you guys?

[B]

We make money. We make the money.

[A]

We make the money. But it's the entitlement to like, oh, oh, my goodness.

[B]

We didn't travel.

[A]

Oh, we didn't travel. Oh, no, we didn't travel. Oh, my. Do you guys even hear yourselves? Like, yes, if you can afford to travel, do it. But I don't give a. About the boohoo. If you can't afford to travel now. I don't give a. If you didn't get the chance to travel a couple years ago. Wow. Afford to put it in the budget when you can. I don't give a.

[C]

That's what we're doing.

[A]

No, you're not.

[B]

That's why we have a line item for travel in our.

[A]

In our budget. No, no, no. You have a quarter million dollars in debt. None of it's a mortgage. You don't have a line item for travel.

[B]

So we're paying that off now, slowly and surely.

[A]

You spent more on this. Oh, my goodness. What a pointless back and forth. Well, what a pointless dumbass. Back and forth. Yeah.

[C]

We're going on our honeymoon in Hawaii, so that's travel that we're gonna make up. That's going to be great. It's like a dream honeymoon.

[A]

Yeah. Because everything has to be everything we want, regardless of if we can afford it.

[B]

And that's the last, like, large expenditure that.

[A]

Oh, yeah, we're going to do.

[C]

Well, we want to have a kid, so. And then we want to buy a house.

[B]

So that's why we're having to reassess exactly where we're spending all of our money.

[A]

Thank you for keeping the consumerism economy alive.

[C]

That's why we're here. We need your help, Caleb. We need. We would like.

[A]

Have you heard this conversation?

[C]

We like somebody to tinker with the finances.

[A]

How much is y gonna cost?

[B]

About $8,000. Doubt it's what's been budgeted. It's what's already been spent.

[A]

Yeah, but we know how you guys budget, so I'm guessing if it's $8,000 for you, it's gonna cost about 12 based on how you guys do things.

[C]

I was thinking 10.

[B]

I think 10 is probably reasonable. Yeah.

[C]

It'S not that, man. It's not that bad for 10.

[A]

You have a quarter million dollars in debt. I don't give a. I don't care. No, you are not entitled to this.

[B]

But our household income covers that quarter million dollars in debt.

[A]

I'm not saying it doesn't, because you're just keeping it. You're maintaining it. You're replacing it every time. Host is not making sense.

[B]

All it. All it requires is taking a shift from doing that, maintaining, to actually spending the money on the debt. Like that's all it takes. You're not.

[A]

You're going to Hawaii instead. You're getting a house instead. What the are you talking about? You're doing an over budget wedding instead. Yes, what you say is correct, but you're not doing it.

[C]

It.

[A]

That's what the next step is.

[B]

It's making it happen.

[A]

Why is the next step.

[B]

Yeah, after Hawaii, then we're gonna make it happen. That's all it's.

[A]

Oh, it's always after the next thing. After the next thing.

[B]

What's gonna happen? I don't have any plans for October, November, December. We're not gonna find them.

[A]

You're gonna. You're gonna stick it in. You're gonna have a nice little blow.

[B]

Up all the holidays. Like we'll travel for Thanksgiving.

[A]

We'll travel Christmas.

[B]

We're not doing that. We didn't last year. We didn't do it last year. We already cut that travel out.

[A]

Oh well.

[B]

So the fact that you think that we're just going to keep doing it, it already shows a trend there that we aren't going to do it.

[A]

It go. Let's use some YouTube commentary language pattern of. It's your pattern of history. It's your history. Right. It's your endless history.

[B]

But everyone's history can. Is not the prediction of their future. We can change our history.

[A]

We can use. It is the best thing to use for the prediction of the future.

[B]

But that's not exactly what's going to happen in the future.

[C]

I mean we.

[A]

Yeah. And your precious little brain. Sure. And yeah. Go get your pasty ass sunburn. That's fine. But what happens is most likely this will continue based on you have consistently done it without any changes.

[C]

I mean we do have. My family's trying to do a Disney Alaskan Cruise in like 2026.

[A]

So we got a little bit of honesty.

[C]

We gotta budget that in.

[B]

I mean that's not on our budget at this point.

[C]

So we have the points to get us to Seattle.

[B]

That may be true, but that doesn't mean we need to spend it on like this is.

[C]

But it's my first cruise. I've never been on a cruise and I love Disney and it's my family.

[A]

Yes.

[B]

And we've talked about doing it and.

[C]

I'm talking about for her birth.

[B]

Yes. But that doesn't mean that it fits into our budget. Like that's, that's where we have to talk about these decisions that I've been saying is like we have the money to pay off this debt, but we're constantly paying for other things.

[C]

We're going to pay for it and we're going to go on the cruise.

[B]

Just same way we paid for the wedding.

[C]

Yes.

[B]

When we got engaged, my one rule was that she can have as large of a wedding as big as wedding as she wanted as long as it all was paid for in cash.

[A]

And so that was how we. And then we're doing Hawaii and then we're doing cruise and then we're doing whatever happens next. We're having kid. We're having kid number two. We're having kid number three. We're having a house. Okay. Yeah. The middle monthly payment this is $367.41. Yet again, we've purchased $9,141, which is insane. Well, $147 of interest accrued. How long does this take to pay off? If we only make minimum monthly payments and we don't purchase, which you're incapable of.

[C]

Six years.

[B]

Only. Only minimum monthly payments without purchasing, which you're incapable of.

[C]

Six years.

[B]

Minimum payments. About 13 years, I'd imagine.

[A]

Okay, 31. So well, within our retirement years.

[B]

But just to check, we didn't make monthly payment on that, right?

[A]

Correct. Because you spent more than.

[B]

More than the minimum, but you spent.

[A]

Double what you paid towards it, right?

[C]

Oh, my God.

[B]

We're paying more than a minimum.

[A]

Oh, you are.

[B]

We can start paying down.

[A]

Okay. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called $W Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to Dollarwise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com let's go. Is there a way to communicate with him? Like I'm confused on how he's confused.

[C]

No, he'll just, he'll just fight back. You just gotta keep going. Gotta push forward, push the conversation forward.

[B]

I understand what you're saying.

[A]

You have disagreements with him. What do you do?

[C]

Well, we're, I'm.

[A]

Do you ever resolve?

[C]

Yes. So before I used to work in, before I worked in market research, I used to be in mental health. So I use a lot of like my mental health tools. And now we're in couples therapy. So I know you know how to maneuver.

[A]

Are we in couples therapy?

[C]

Communication.

[B]

We have two different communication styles. I want to address things head on.

[A]

And she wants to obnoxious and delusional.

[B]

I mean, better than belittling.

[A]

Well, it could be.

[C]

Yeah.

[A]

If only we Signed up for it. Yeah.

[B]

Well, communicating together, though, that's how we actually get through this budget problem that we have. So that's what we're trying to work through when our communication style is to get on the same page.

[A]

How long have we been in this couples therapy?

[C]

Like a month.

[B]

Yeah, it's a new thing.

[C]

She's great, though, and she. She's completely supportive of us and she thinks we're doing a great job. So it works.

[B]

And the point is to build the foundation and. And nurture our relationship. I'm sorry.

[A]

Pop a baby out. Is it time?

[C]

I mean, I'm 37.

[A]

We can't communicate. I know, but if our communication's wrong, off we are.

[C]

So we're usually able to resolve it either way.

[B]

I wouldn't say that.

[A]

But if it was healthy, it wouldn't be going right.

[B]

But it is. That's what it is. We are healthy. Like, we're trying to make sure that we're improving it and making it even better. Like it's not that unhealthy communication. It's that we want someone to help us improve where our communication is.

[A]

So, I mean, I'm good with therapy. I'm good with couples therapy. I think everyone. I think every couple should be in couples therapy regardless of where they are. And I think everyone should be in therapy regardless of where they are. Yeah, but there are enableless therapy therapists out there, and that's what we want to avoid. I'm not saying you have that, but that's what a lot of people get in. Yeah, Especially like the, like latte makers.

[B]

Latte makers.

[A]

Yeah, they get into a lot of enablement therapy.

[B]

I see what you mean. Yeah. The typical people that come on your show.

[A]

Yes, yes. You're so special.

[B]

Yeah. I mean, we have a lot of different accounts that we can.

[A]

I've had high income earners before, you know, like similar scale.

[C]

Yeah.

[B]

Are they. Do they have a quarter million dollars in that, though?

[A]

Probably. I don't remember. We filmed for a week, so three and a half years.

[B]

What's that? What's the math?

[A]

I don't know. I don't care.

[B]

Oh, okay.

[A]

So. Yes. I don't remember every person's number. Definitely remember. Faces I hate. Okay, so what did we spend on here? The necessities? Well, it was Junior's comics. It was Space Goblin, Bat City, Bat City, Sea geek tickets for $525. Because we get to live, guys. We make money.

[B]

Her family was in town that week.

[A]

And see, there will always be something, no matter what will always be.

[B]

We bought tickets so that way they. We can all go to the game within it. And we sold our tickets so that we offset the cost. But yeah, there's additional costs.

[A]

It will always be.

[B]

Yes, I chose to take them to the game instead of them having to report themselves.

[A]

Something is the point. I'm not saying it's a horrendously evil or bad thing, but there will always be something.

[B]

And learning to say no to the things are the things.

[A]

That.

[B]

That's going to be the difference between the 4,000 and the 9,000 that you guys.

[A]

If I completely change my behavior now, everything will be 100% perfect. Yeah. What a great answer. Fantastic. Like, what am I doing with that?

[C]

It was the first time they visited Austin. We wanted to take him to a game. I got them little jerseys. Super cute.

[A]

Yes. You went to Austin FC game. Because our city is so great. We only have one professional sports team. What a major city we live in.

[B]

It's because college sports has been more important here. But that's. That's.

[A]

Yeah. No other college towns have professional sports programs, especially when they're the 11th most populated city in the country.

[B]

I haven't always been the 11th most populated city in the country, but haven't always been is what the statement was.

[A]

So it doesn't matter. We are Subaru Starlink. That was for Pittsburgh as an NFL team. I don't want to hear we haven't always been the largest.

[B]

What does Subaru Starlink have anything to do with Pittsburgh?

[A]

Huh?

[B]

Huh? What does Subaru Starlink have anything to do with Pittsburgh?

[A]

No, you're right. We haven't always been the 11th most populated. But Pittsburgh.

[B]

But they were on the original. One of the original teams in the NFL. Like, how are you going to.

[A]

Doesn't matter. It's just the city size, man. This is ridiculous. This is stupid.

[B]

But that's. Austin wasn't built up the same way that the Mid Atlantic boring Space Goblin.

[A]

What is the Space Goblin that is popping up every second of our life?

[B]

So a hobby that I have is collecting Pokemon cards. And so the right.

[A]

Every financial thing we can do that is just an absolute mess.

[B]

I never said it was an investment.

[A]

All right?

[B]

There's a difference.

[A]

I'm not. I'm not. What? Everything. I'm saying you have it. I'm not saying you think it's great.

[B]

But it's just a hobby, though. Like, I'm not. It's not. It's not an investment vehicle.

[A]

Like what did I claim it was an investment vehicle?

[B]

You said everything that you did with finances.

[A]

I could be wrong.

[B]

So many things.

[A]

You do have everything. That is. Why is he defensive on just nothing like that wasn't even a thing. I'm just saying he has every aspect of bad finances. Like what the are you on? Dude? Green Bay Wisconsin has an NFL team. They got 107000 people in their city.

[B]

Again, one of the original teams. And they started the the league. So it's not exactly the same comparison, but it's fine. I get it. You want to find something that supports your Midwest lifestyle. Makes you feel better about coming from there.

[A]

Huh? Huh? Midwest lifestyle?

[B]

Yeah.

[A]

Yeah.

[B]

You're Pittsburgh Midwest. You. You know you can't let them be in mid Atlantic. They had to be Midwest. And then now you're bringing up Green Bay as well. So May Texas has rubbed you the wrong way. You need to go back.

[A]

No, it's just that we don't have the amenities that other large cities have. And it's disappointing. Including aquariums and zoos and museums that are world class.

[B]

But can you go hiking 10 months out of the year in Green Bay, Wisconsin? That's not exactly.

[A]

Would I be advocating for Green Bay Wisconsin?

[B]

You just advocated for it. You said they have a bunch of.

[A]

Saying they have 100,000 people. It's silly that we don't simply.

[B]

We do have 100,000 people.

[A]

Why you can suck it on the balls of Austin.

[B]

Cuz this is where we live. We should enjoy the city that we live in.

[A]

The dude finds everything. Such an attack against himself.

[C]

I just tune him out sometimes.

[A]

Yes. I can see why. This must be the most miserable relationship we've ever lived in. This is insane. How do we even have these conversations? What is happening? Like what the. Oh my gosh, man. Just bringing up an instance where a substantially larger city has one. It would be cool if we had one. That's not an attack against you.

[B]

I'm just getting thrown off when you inject it in the middle of the conversation about the welcome to the show.

[A]

You applied for that you're a fan of. You dumb.

[B]

Thanks. Happy to be here.

[A]

Okay. Certified trading card.

[B]

Another Pokemon investment.

[A]

Okay, so we're doing those forever, so. Yeah. So with Pokemon's immediately seen. Minimum $450 so far. I'm not halfway through the statement yet. We are spending more on this car than we are putting towards it.

[C]

He's supposed to have a 1. We both have a $100 fun fund limit a month and it's already broken.

[A]

And we're not halfway through this you.

[C]

Mentioned that you were only spending $100 a month that like from our joint bank account. I always take the 100, use my other bank account and that way I can keep myself in check. You told me that you had already spent your 100 for the month. I didn't realize you were spending 400 in Pokemon cards for the month.

[B]

I went over the limit. I have a bad habit. With instant gratification.

[A]

Oh.

[B]

So I spent.

[A]

Oh, he has a bad habit. So it's okay that he went behind your back and went against his word? He has a bad habit. That's all.

[C]

So he does tell me when he's doing it.

[A]

He's other women. It, it's just a bad habit. He's injecting heroin. It's just a bad habit.

[B]

I would never do that to her and I don't appreciate you sample.

[A]

I don't care.

[B]

I'll spend things on whatever want but I'm not going to spend it on spending.

[A]

Hear that? He'll spend it on whatever the he.

[B]

Wants but I'm not going to do it. I'm going to.

[A]

It's a bad habit. It's a bad habit. So it doesn't matter.

[B]

Anyhow, I did spend more than I expected to spend and that's because I, I, I got too excited and got too into the craze and the trend and I shouldn't have spent all that money and so I am. That's why I told you I'm not spending any more money on it for at least the next few months.

[A]

Months to and it's not like this is another indication of pattern of behavior because it's not like he ever quit a job and lied and didn't tell you about it.

[C]

I forgot we told you about that.

[B]

That might have occurred.

[C]

Yeah, Yeah.

[B]

I was working for a big tech company and they, they didn't treat they didn't treat their employees the way they thought they should when it comes to return to office policy.

[A]

Great. Why'd you hide it from your wife? Like I don't give a about that. Congratulations. Quit. Tell your wife. Wife.

[B]

Because I, I didn't want her to stress out about it.

[A]

What a cope.

[B]

Yeah, it worked out the wrong way and so she ended up.

[A]

Oh, you lied. That that worked out the wrong way.

[C]

Did you hear how I found out? His boss called me because he's like we haven't heard from him for two days. I'm like what do you mean? He told me he was at the office and he just came home.

[B]

I had Sent my boss.

[A]

What were you doing instead? Were you pretending to go to work?

[B]

My full time job.

[A]

My full time job pretending to go to work.

[B]

My full time job was finding a job at that point. So I was applying for like 45, $50 a month. 45 or 50 jobs a day at that point.

[A]

Goodness. That is crazy. You're pretending to go to work. Okay, now I don't feel bad for the cheating analogy. What the is that? That is crazy. What kind of person hides that kind of their partner?

[B]

Someone who's, someone who's embarrassed to admit that they're, that they're going to have to switch jobs again. Like, because I switched jobs just a year before that. So I, I wasn't proud of that decision. But I, I, I, I am highly employable. I was able to find another job within six weeks at that point. So that's what I ended up doing is that I took the next four to six weeks interviewed and found another job after that.

[C]

And he did pull his weight around the house. Like, I, I didn't have to worry about like cleaning the house and.

[A]

Well, you better not. He was unemployed.

[B]

Yeah, the, the approach was wrong. And we talked.

[A]

Hiding something from your wife.

[B]

We worked it out, worked through it.

[A]

And that's why last month you spent more than you guys decided was the fun money. And then she only finds out on the show where the finances are talked about about that.

[B]

She found out the number. I have a sneaking suspicion she, I have a sneaking suspicion that she knew that I was spending a little bit more than I should have.

[C]

I genuinely thought it was a little bit more like 150, 175. I didn't realize it was not even.

[A]

Half the statement yet because let me tell you, there's many more Pokemons coming down this list.

[B]

The vending machines that are nearby.

[A]

What's eBay$83 and eBay$293.

[B]

I those are those Pokemon cards.

[A]

Okay. Pokemon is now up to 700.

[B]

It's probably going to be over a thousand dollars.

[A]

What the.

[B]

That's more money that I should have spent.

[A]

Dude, you just got buddied by your wife. She just laid down a buddy. You're in trouble.

[B]

Well, yeah, that's something that, Come on, man. That doesn't help us get to where we want to go.

[C]

That's disappointing.

[A]

Yeah. Thoughts on that?

[C]

Disappointing. I'm, I'm very disappointed. Like I've, I, I spend, the most I spend on is like Sephora for my skin care, but I try to be really diligent. About if I don't need something, I'm not going to spend on it. I don't. I haven't bought new clothes unless I have an event to go to. Like, we. We use all of my paycheck to pay debt, and then my $100. Fun. Fun. And then everything else goes to his credit card debt. And it's like, I can. We can use that to actually chip away at debt. But I didn't know that you're spending $200 on Pokemon.

[B]

Yeah, that's not what I need to be spending money on. I. I'm not spending that much on.

[C]

My hobbies because I. I want to, like, I want to spend more on my hobbies, on my dance hobbies, and I just don't. Because I fe. I figure we don't have the money, and it's not.

[A]

Not.

[C]

It's not fair that you spend a lot of money on your hobbies. And you tell me like, no, it's just. It's $100, give or take.

[B]

I. I thought that I could relive some nostalgia, and I got caught up in the excitement of, you know, reliving things that I wasn't able to have when I was younger. But that's not an excuse, and that.

[A]

Certainly sound like one.

[B]

It doesn't excuse the behavior. It is an excuse. Thank you for correcting my English there. But that is why we're over on that card this month. And it's the reason that we're spending more than we should have. That I'm spending more than we should have.

[A]

You know, the Sephora is working. You guys both have good skin.

[C]

Thank you.

[A]

Yeah, I thought. I thought mary is, like, 31 before you guys told me your eyes.

[C]

Thank you.

[A]

It's actually working. Usually people look older on this show. You guys look younger. I see the gray coming.

[B]

It come in strong.

[A]

What's your favorite food?

[B]

Probably Thai food. Pan and curry. You know.

[A]

You know when you guys have a kid and we're talking about getting food, and he's gonna be like, let's get Thai. And the kids can be like, no, can we get burgers instead? I like burgers more. He's gonna be like, no, actually, Thai's better. And, you know, the history of Thailand is a much more populated country. And actually, burgers haven't been round. Golf team, they haven't been around as long, so actually, we should get Thai food. And you're actually really wrong. It's actually funny because that's how I talk to. So I'm making fun of Myself.

[C]

I think he'll be a great dad.

[A]

I think we're a perfect match.

[B]

Are you free later?

[A]

Let me be real with you. You can't fix your finances if you're running on four hours of garbage sleep every night. And I'm not talking about staying up late, grinding. I'm talking about tossing and turning, overheating, waking up more tired than you went to bed. That used to be me until I tried eight Sleep. Their Pod FI system completely changed how I sleep. It's a smart cover that goes over your existing mattress, tracks your sleep, adjusts the temperature of each side of the bed automatically throughout the night, and shows your sleep score backed by biometric in the morning. No waking up in a sweat, no flipping the pillow 10 times. Just actual rest. And look, if you're someone who's trying to get your life together, whether it's budgeting, side hustles, whatever, you need good sleep. Otherwise, you're running on fumes trying to make smart decisions. And right now, Eight Sleep's giving $350 off the Pod 5 Ultra and $200 off the Pod 5 Core. Just use code HAMMER at checkout and go to Eight Sleep.com hammer again, that is eightsleep.com hammer and use code hammer. This is one of the few upgrades I made that actually paid off. So if you're serious about changing your life, start by getting some real sleep. Whataburger. I'm gonna consider that fun again. Bat City. Doordash. Curry.

[B]

Well, that Texas curry place, that wasn't very good.

[A]

Best Buy. We spent well. That was only eight bucks. EBay. More Pokemons. 72 bucks there. Dick Sporting Goods. Best Buy. 139. Bat City. Again. 146. Bat City Shop.

[B]

No, it's a game shop. Collectibles, dude.

[A]

Okay, so we're easily at like 800, 900 for that. GameStop, Dunkin Donuts, Pokemon, Pokemon, Pokemon, Pokemon. Great outdoors. There's $103 for great outdoors.

[B]

Is a. We bought a ficus plant or it was a fiddle.

[A]

Fig rilled. It was totally fitting in the bucket budget. Okay. All of a sudden, like, oh, guys, it was a plan. So it's okay.

[C]

Well, it's our dog.

[B]

It was necessary for.

[C]

Yeah, we put it in a big pot and put the pot in front of the window.

[A]

And curtains are cheaper.

[B]

This episode is brought to you by LifeLock between two factor authentication, strong passwords, and a VPN. You try to be in control of how your info is protected. But many other places also have it, and they Might not be as capable.

[A]

Careful.

[B]

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[C]

He'll tear them up.

[B]

It also blocks all the natural trainer dog better.

[A]

$3 for eBay. So there's that door dash donut. Great. So that was $9,141 spent. That is insane. And then city limits Subaru 2 773.

[C]

That was a new car that we bought.

[B]

That's the down payment for the credit card.

[A]

That is green interest that we cannot pay off. Well done, guys. You really are unique. You really are special.

[C]

But we paid more cash out of our savings.

[A]

That was one car. I'm going to die. Okay, Sofi, what's going on with this? At a 19% interest rate of death. What is this?

[B]

Is that the first one or the second one? What's the balance on that?

[A]

How the I know what order the balance is.

[B]

Is 23.

[A]

23. $44.03.

[B]

So we took that. It was a debt consolidation loan that we took out back early in our in our relationship. The whole goal was to consolidate all of her debt under my name as well as consolidate the debt that I had from the divorce that I had gone through.

[A]

Why aren't just your name specifically?

[B]

I got the debt off of her account off of her name. So that way her credit score would be high in case we needed to do any spending.

[C]

My debt was lower over and now it's still low.

[B]

She still doesn't have any debt under her name.

[A]

It's all you.

[B]

Yeah, it's all on me.

[A]

Jeez for sake. Okay.

[B]

But she has a 800 plus credit score, I think.

[C]

Yeah.

[A]

Yeah.

[C]

I'm very. I'm very responsible with my finances.

[A]

Wow. How do you feel to be attached to this?

[C]

It's stressful sometimes.

[A]

$23,044 at an 18.83% interest rate with a minimum payment of $623.67. That's insane. Yeah, it's stressful. But did you think. You didn't think of the county argument. Argument. What about Pokemon, though?

[C]

I mean, that wasn't. That was not a thing.

[A]

Pokemon.

[B]

It's only in the last like oh good two months. No, it just not something that's in thoughts whenever we took out this loan. That's all.

[A]

I'm just talking about how she's impacted. She said it's stressful. All these finances are stressful, yet you're going out there and blowing on Pokemon. The are we doing Selfish. Especially when you agreed on what the fund money spent and you spent minimum 10 times that on Pokemon alone loan 10 times what you guys agreed to be the fun spending.

[B]

I, I, I tend to indulge more than I should.

[A]

You tend to go behind your word and what you agree on from your wife.

[B]

The stress.

[A]

There's another. There's this so far 72.2.22. What the is this?

[B]

That's another debt consolidation loan.

[A]

Oh, thank guys. Why?

[C]

That was the recent one.

[A]

It was recent so we had to do it again then.

[B]

Yeah.

[A]

Whose debt did we consolidate?

[B]

It was our debt that cover.

[A]

So you had debt?

[B]

Well, a lot of these.

[C]

Very little debt. Not too much.

[A]

When was this?

[C]

Around the wedding.

[B]

May or June of this year. The cost that were on that was consolidated here was like, like travel to be able to go do planning in in Oaxaca for the wedding and going and traveling to sea her family and going to Disneyland and traveling to see my family.

[A]

Yeah. Let's take out a 13% personal loan for traveling. That's $70,000. I'm going to die.

[B]

We took out the loan so that way we could lower the interest rate. We had already spent the money poorly.

[A]

Doesn't matter because then you're just money.

[B]

Poorly on 25% interest. And then this one lowers the interest rate here.

[A]

Okay. Did you consolidate the Navy Federal on this?

[B]

No, the Navy Federal was not consolidated on that.

[A]

The Navy Federal was not consolidated.

[B]

No, we consolidated an AMEX card and a Southwest Chase card on that.

[A]

AMEX card. Southwest Chase card. Okay. Was it the skylines?

[B]

Sky miles?

[A]

Yeah, I was still spending on that. And what was the other one?

[B]

Southwest. Southwest Chase for myself.

[A]

Priority. I see a balance of 1,647 coming up on a Southwest card, so. Great. Worked with. Well, okay. We have a minimum monthly payment. This is crazy. $1,335.37. This is crazy. Did you just moan at me?

[B]

No, I just had to drink some.

[A]

Water, boost that audio.

[B]

What? I'm not moaning at you.

[A]

Does he do that every time he.

[C]

Makes little bear noises? Yeah, that wasn't a bear.

[A]

That was aing orgasm.

[C]

No, he'll be eating and he'll get really into something. He'll be like, mmm, and he'll like do a little moan. Yeah, he just makes bear noises. That's what he does. It's, it's sweet. It's endearing.

[B]

Apparently I moan at people. Good to know. I'll keep an eye out for that or an ear out for that in the future.

[A]

Okay, so this is crazy. And this was just taken out. This is gonna take forever to pay off.

[B]

I mean, 70,000, $2,000 a month. Yeah. Roughly. About 35, 36 months.

[A]

Months.

[C]

Like minimum payment. But if we pay more, sure.

[A]

No, minimum's 13.

[C]

Yeah. And we'll pay more.

[A]

I hope so. I certainly hope so. I mean, you guys, again, he spent $8,000 on. On one card. Well, 9,000.

[C]

Sorry he got called out. Hopefully he knows now it wasn't 9,000 too.

[B]

But yeah, we spent more than we should have on that card. And this is all part of our plan. Like, we'll.

[A]

Glad you have a plan. I just wish you did any of it. And again, this is why it's like, it's no point. No point of me listening to it. Okay. Keep me.

[C]

It's a little bear noise.

[B]

Did I do it again?

[A]

Why do you call that a bear noise? It's. No, I'm not even kidding. Boosted. That's not. I'm not even kidding. How's that a bear noise?

[C]

I don't know. It's probably a little bear.

[B]

I think it's like, I tend to take deep breaths to, like, and then release my stress. So maybe that's what's being caught is whenever I breathe out after taking a deep breath, like, I don't know, I just.

[C]

I link it all under bear, not noise.

[A]

Okay. What's up with this Visa Community first platinum rewards card?

[B]

I think. So that's the card that hadn't been used in a long time. And we started using it to kind of capture all of the honeymoon costs that we're going to have. So that way I can keep track of all the costs that are related to the honeymoon.

[A]

Oh, yeah. Great. Now minimum payments alone are going to be 15 years. If you do minimum payments, no purchasing, which something will always pop up. Minimum payment only $44, which is. That's why it takes forever. Balance is 2000 dol. $1185.27.

[B]

We could pay that off in a month.

[A]

Yeah, certainly if you do not purchase. Yes, you can. You just always purchase. So that's why, again, that statement means nothing to me. Like, you don't get to say that if you have not been doing it. I could say a lot of things that I'm gonna do.

[B]

We've been making that much in payment on debt.

[A]

Yeah, I. I hear you understand the difference of when you then go Build it back up again. Oh my. I'm going to die. Okay. EBay 132. Hey, guess what? More Pokemon. More Pokemon on your honeymoon card. He's buddy's using it to track it, lady. He's using it to track it.

[C]

I don't know what you want me to say to that, Caleb. Look, I don't know.

[A]

I'm just telling you because you probably didn't know.

[C]

I didn't know. But we spend on every one of our cards to keep it rotating to help our credit score.

[A]

Charters. What is this? Charter? Yeah. That doesn't mean.

[C]

Oh, is that the boat?

[B]

Yeah, that's the.

[C]

It's a boat tour in Hawaii.

[B]

It's an activity shoppers market.

[A]

I think that's equa based company.

[C]

I don't know what all those are.

[B]

I'm not sure off the top of my head.

[A]

That's great. Acquisition ace.

[B]

Oh, that's a. We were. I'm think we were talking about getting into business acquisition as a. As a way for her to do something different with her career.

[A]

Oh. But he's using this to track his spending on the honeymoon. So. Business.

[B]

She knew about that expenditure twice. I told her about that. She knows about that.

[A]

Is that the purchase alone? You say you're using this credit card for the honeymoon stuff to traffic track it but it's. It's all other stuff except for one. And then Target 54 and then hey guess what? Another $139 a Pokemon. We're at about 1300 of Pokemans so far this month.

[C]

This month?

[A]

Well what the month we're reviewing over.

[B]

The course of July and August. All these align. Don't align the same way.

[A]

But 1300, that could go towards debt. Could go towards whatever you guys want doing well so let's take a look more into these analytics.

[B]

It is a lot of money and I. I've already like I acknowledge it. I told you about it. Yes. I wasn't honest about the full dollar amount. But it's something that I'm not happy about. It's something that I'm embarrassed about. It's something that has to not be spent anymore.

[C]

Why didn't you tell me it was that much?

[B]

Because I'm embarrassed about it. I don't have a better answer.

[A]

But that's what he says every time he does something he doesn't tell you. And that's what he'll say every time he does something he doesn't tell you because that was his excuse for the cigarettes. That was his excuse for the. For the quitting the job. That's his excuse for the Pokemans. So next time he does something, he'll just be embarrassed, so that's why he won't tell you.

[B]

It doesn't excuse the behavior, but I think he'll. Shame and guilt and embarrassment.

[A]

Yeah, I think you'll learn it's not three strikes. Okay, great. Yeah, that's what. That's what. This is going to be really productive.

[C]

Marriage is on three strikes.

[A]

No, it's not.

[C]

You don't know. Caleb, you've been. You've been single for the majority of your life.

[A]

How long have you guys been dating? Five years.

[B]

We've been out there over five years.

[A]

Okay, that's not the majority of your life, you dumb. But either way.

[C]

No, your life. No, no, no, I know, but if.

[A]

We'Re gonna use the same thing, it's like, that's not the majority of your life.

[C]

Right, but we waited until we were in a good spot in our own lives. Until you started dating somebody. Yeah, to start, like, dating. Seriously? Yeah, Yeah. I. Before him, I only had like one serious boy boyfriend.

[A]

Then you cannot use that excuse. You cannot say that.

[C]

No, I can absolutely say that. What do you mean?

[A]

Because the exact. Okay, that doesn't matter.

[C]

Marriage is not three strikes.

[A]

No, and it doesn't have to be. I'm not saying that. But you're just using that. Oh, he'll learn. After he continues to do this.

[C]

Well, he'll learn.

[A]

So productive. It's going to go so well.

[C]

We are.

[A]

What is a soft parenting your husband that's turned out well for an entire generation? Yeah, give him an. Yeah, give him an iPad. It's gonna go really well.

[C]

Okay, well, I don't. I don't know.

[B]

I have to fix my behavior. Like, I. I know that doesn't like change anything and whatnot, but I'll give.

[A]

You some cocoa Lemon and you'll. You'll wind down. I don't think he understands.

[B]

I don't know what Coco Lemon is, so I have no idea.

[A]

Okay. Are you gonna be a stay at home mom when you have a kid?

[C]

I would love to, honestly.

[A]

Okay, so that's gonna immediately eat big chunk.

[C]

I don't. I don't think I'm going because I don't think we are in a financial spot to do it, which is why we like. What is it? Business acquiring thing.

[A]

Where and what is that going to do? You're going to spend money to acquire a business and then do what?

[B]

And then, and then she'll be the main operator That'll be her job instead of her working.

[A]

Working remote as a main operator.

[B]

No, it could be something local. It, it depends what kind of business you acquire.

[A]

Have you guys ever ran a business?

[C]

My mom did.

[B]

I ran a.

[A]

We can use this for the long term relationship excuse. Have you guys ever ran a business?

[C]

No.

[A]

Okay.

[B]

I've run my own consulting firm before and, and I didn't enjoy doing that work on my own.

[A]

So I was going to say you're certainly not doing it now. So I don't think it worked out very well.

[B]

I chose not to continue doing it. Yes, that's correct.

[A]

Uhhuh. How long did you do it?

[B]

I did it for about eight months.

[A]

How much did. Okay, I think you think that's going to be a lot easier than it really is going to be.

[C]

Maybe. I mean I remember my mom working.

[A]

Like what is it, acquisition.comhermos thing?

[B]

No, it's acquisition Ace is something different. Acquisition Aces. Is it something different? Yeah, yeah, but it kind of. It, it's.

[A]

What are you guys going to spend on a business? No more than quarter million dollars in debt. What are you going to spend on a business?

[C]

Like no more than 300,000 is what we said, right?

[B]

No, we, we would, we would get a SBA loan and then work with somebody to hopefully find someone with some sellers. Financing as well would be the goal. But that's why it was something just to look into and learn about what.

[A]

And then we're also getting a mortgage and then it's just like, oh, we're about to be a million dollars into debt before we get know it.

[B]

But there's just one potential avenue to look into and educate ourselves on. Like I think spending a couple hundred dollars to educate yourself about what options are out there for you to change careers isn't a, isn't an unwise.

[A]

Yeah, but no, no, it's an unwise move if, if the entire tent is to keep her at home. And you think this is the way to do it? Like that concerns me because I think you think it's going to be easier.

[B]

I'm not saying it's going to be easier, but her being a stay at home mom and her being a business operator aren't necessarily like, they aren't like the same thing.

[C]

Yeah, I, I would see my mom work like 14 hours a day to run her small business in our hometown. I don't want to do that, but I don't mind like overseeing businesses that we already own and like hiring managers, hiring other people to help run it. And then I'm. Good luck.

[A]

Let me know how it goes. Target. Target. Oh, here we go. Guess what these are. These next numbers I'm gonna read are all Pokemon's that I did not see yet. $54. $54. $324. $61. $102. $107. So we are 700 a thousand eight hundred in Pokemans.

[C]

Are you serious?

[B]

Oh, yes.

[A]

Oh yes. He is.

[B]

10. I. I have no words.

[A]

I. It's.

[C]

Dude, that's not okay. That, that's like an unlimited year long pass to my hobby.

[B]

Do you want an unlimited year long past year hobby?

[C]

I mean, we can't afford it. That's what I've been telling myself.

[B]

I can't spend that. I. I need to spend less.

[A]

I'm concerned about the. Maybe your therapist can work out on this where it's like, I think your version of resolving conversations is we're not. We're no longer talking about it. Instead of actually achieving a productive ending. Because every time something comes up, it's, dude, that's not okay. He's like, yeah, it's not okay. And then the conversation's ended, which means that we never fix this in the future. It just happens again. And then you're like, dude, that's not okay. And he was like, you're right, that's not okay. And then it happens again. Then it happens again. It's like, what the.

[C]

I mean, I take his word that he's.

[A]

He's broken his word many, many times here, come on. Why are you taking his word?

[C]

I mean, I didn't realize you love him.

[A]

That doesn't mean he's the most trustworthy person.

[C]

I didn't realize the Pokemon was as bad as it is. I knew, I knew it was a little out of hand, but I. Like I said it was. I thought it was 50, 75 out of hand, not thousands.

[B]

I. There's. There's a. I'd say there's probably a bit of a gambling addiction element to this. Like, because that's the whole fun of it, right? Like you buy them, you open the packs and hopefully you get something big. I see.

[A]

Is he throwing out the word addiction for coping, sympathy, or is there something real with this? Because with him, I think he's really good with his word. I think he is very good at manipulating.

[C]

Never. I don't think it's ever been diagnosed, but he has told me from day one he has an addictive personality. And I believe it and I see it. And I also Think it's a little bit of ADHD brain. So not necessarily tism, but definitely neurodivergent.

[A]

There is tism.

[B]

Yeah. I don't.

[C]

I don't deny that in the slightest, but he will. He will go ham into a new hobby or topic of interest, and he'll just go, go, go, go, go for like a couple of months, and then.

[A]

He'Ll just dip me too. I'm that same person. I'm that same person. Listen, someone types addictive personality, cop out for bad behavior, maybe. I mean, I would define myself as addictive personality, too. So I don't necessarily agree with. Well, I. It's not a. You might be using it as a cop out, but I have that similar thing. You know, we're both similar. We're both, with our words, we're both combative for no reason, and we're both probably. And we're both, you know, money obsessed, and we're number obsessed, and we get addictive personalities, and in hobbies, we get that. However, buddy, first of all, I'm seven years younger, and I have figured out that, oh, maybe I shouldn't do this hobby right now because I will fall into it, and it will be 100% my life, and I will blow all the money to do it. I tell myself that I mod rate myself because if you're able to tell yourself you're an addictive personality, you know, then not what not to do, because you can no longer self admit that you're an addictive personality, but then just give into it, because that's not how it works. If you're willing to accept it, then you going. Then you just going down that addictive train on whatever. The next thing is is you're just not giving a. So obviously this card's not great spending. Not even close. 17 interest. Okay, Best Buy. What's going on with this? Oh, good. We spent $1,686. That was like, all right, how do we spend more than we put on cards? Hey. But I, I. Cars. There's like, it's nothing.

[B]

That was a purchase for my nibbling because they're going to college in the fall.

[A]

What the.

[B]

It's the gender neutral term for niece or nephew is what I've been told.

[A]

Nibbling.

[B]

Nibbling. So I helped them purchase a laptop for their. For their fish conservation degree that they're working on starting this fall.

[A]

I have a question, audience. I have a very gay LGPT gay man to my right named Colton. Hi, Colton. Nibbling's kind of isn't it look when.

[B]

He told me I have no clue it existed.

[A]

Okay, good. That's, that's the dumbest thing I've ever heard in my life.

[B]

I don't disagree. I'm just using the words that I've been taught by my younger generation and.

[A]

Trying maybe not everything needs to be responded expected.

[B]

They needed a laptop for, for school. Their department recommended a certain level of specs when it came to a laptop I worked with what major are they going into? Fish conservation.

[A]

Okay. So when they make me my they them latte, it'll taste incredible and I will be very happy. And I don't think they needed a laptop for that.

[B]

For them to be able to run models should be able to also by.

[A]

The way, why is it you doing it for a nibbling? Like why aren't the parenting doing it for their own childling?

[B]

So my I so I have a very close relationship with my sister and her kids. I live with them for a few years and so I so it's still their kid. That it is. And I, I decided that I wanted to help out like I wanted to.

[A]

Help them be able to completely financially. That's smart.

[B]

Well yeah, that's true. And so I chose to help them and so instead of prioritizing my financial goals. But I remember going to college and being given for my technology needs and I just didn't want them to have to go through the same struggles that I did.

[C]

He has a very big heart, so that's why he offered. But I did insist at the very least that he ask his sister to contribute some because he was about to just buy it flat out. And I'm like no, no, no. It's let's put in, let's set those boundaries and let's see how much your sister can I have a boundary.

[A]

That boundary is you your payments on time and you've had a late fee this year on this card.

[B]

I have.

[A]

Yep.

[B]

No, not that I'm aware of but.

[A]

Well, now you're aware.

[B]

How much was the late fee?

[A]

30 bucks.

[B]

Okay.

[A]

Which is the standard late fee. It's usually 30 to 35 depending on the card.

[B]

Genuinely surprised.

[A]

Not on your credit. I I, I, I highly. It didn't probably hit as a missed payment which is what would hit the credit late fee is more that he's just giving the bank more money money if it was late for a long time it'd be a missed payment that would his credit. Okay.

[C]

Okay.

[A]

So that's not our worry. But the worry is one disorganization Indicative for the future. Two, he didn't even know it until I'm saying it now. And three, it's costing more money. It's costing you guys more money. It just means paying off the debt slower and slower. You ever try hiring someone? It's like online dating, but instead of getting ghosts after the first date, your Ghosted after reviewing 300 resumes, you post the job, then sit back and wait and wait and eventually sort through a mountain of kinda maybes who either don't respond or already took another offer. Or worse. You find great candidates, but they're not even looking. So now you're just left staring at a blank inbox. But the good news is the future of hiring looks much brighter because ZipRecruiter's latest tools and features help you speed up finding the right people for your work roles so you save valuable time. And now you can try ZipRecruiter for free at ZipRecruiter.com Caleb with their new tech, you can connect with qualified candidates in minutes, see someone good, instantly unlock their contact info, and with over 320,000 new resumes added monthly, you're never short on options. Use ZipRecruiter and save time hiring four out of five employers who post on ZipRecruiter get a quality candidate within the first day. And if you go to ZipRecruiter.com Kit Caleb right now, you can try it for free. That is ZipRecruiter.com Caleb. ZipRecruiter the smartest way to hire. Listen, I mean, all right, I recommend for people like you. Again, it's like something like the fizz card, debit card that builds credit. Like, that's fine and you guys don't need it for your career. So gifted.

[C]

Nibbles.

[A]

Nibbles. Mr. Mr. Mrs. Mrs. I can't say that either. Oh, I always put Mr. And Mrs. Before things. Okay, so we have Southwest Rapids reward card. This is one that we consolidated at some point.

[C]

It's probably yours.

[B]

Yes.

[A]

Great. All right. Well, we purchased $1,723 after payment and stuff. A little back payment. We got $1,647.64 owed on it. With a $40 payment, $153 of $159 of fees were added. Cash advance, $1 54.

[B]

That if it's a cash advance fee, then that means it probably was used to pay a vendor for the.

[A]

Why are you doing that on this card that would have this. Because you've had $337 of fees. This Year so far on this card. That's $337. That is not an insignificant amount of dollars. Also 1, $367 of interest this year so far.

[B]

When we had to make payments. When we had to finish making payments to vendors in Oaxaca, we had to do that through Wise App. And that's where all of the. And like, so those are money transfers. And so they end up being.

[A]

Why not on your checking instead of a credit card where you're getting one of the cost obliterated.

[B]

This is one of the costs that went over. They. We didn't have the cash for it at the time.

[A]

We don't do it. It's as easy as that. He also has chat GPT on here. What's the Cane Center?

[B]

The Cane Center.

[C]

Oh, the canine center for training for our dogs.

[A]

Training, training, training, training, Training, training. Austin FC again, $229.

[C]

We're season holders. Yeah, the season pass holders.

[A]

Dude, come on. As a guy, mean. Here's the thing. One, not that great. Is this the season we're getting season tickets to? I wouldn't say so. And no, this is your annual membership fee. This one. But we've had $337 of fees this year. Oh, and there's the transaction fee as well.

[B]

Yeah. So I mean most of the charges on that card just for the K9 center. We send our dogs there weekly for tutor and. And recess. Just a little like doggy daycare and working.

[A]

If we have to buy a plant just for them to not destroy the house.

[C]

Working. It's. He's gotten so much better. He's. He was super reactive and now he's like getting better about walking and he listens PayPal credit.

[A]

Well, what's going on with this?

[B]

PayPal was one of the accounts that was consolidated on the second consolidation loan. It's really just like a catch all account for online.

[A]

Catch all $949.87 with a minimum payment of $35 years to pay this off. Got Apple Bill. Apple Bill 1 was $359. Who knows what the that is? Oh, good. Here comes another hobby. PlayStation Dice Legend.

[B]

That's just dice for my D and D group.

[A]

Great. Let's pick up a 10th hobby that cost a ton of money. Love Alchemy. Great Domino's Ultimate Guitar or gear. I'm not sure. Apple Bill.

[B]

Yeah. Ultimate Guitar is an app for tabs and stuff like that.

[A]

YouTube TV maybe. And Patreon membership.

[B]

YouTube TV. Yeah. And then $61 on Patreon.

[A]

What the.

[C]

Why do you have a Patreon for $61 too?

[B]

It's for, oh, Dan Carlin. Yeah.

[C]

For who? Dan Carlin. Hardcore History.

[A]

How much content does he put out in his exclusive membership?

[C]

Oh my God. He puts out like one every other year.

[A]

And we do three premium shows posted every single day for Hammer Elite, which is literally a sixth of that cost. Three premium shows posted every day, Monday through Friday. That's wonderful. What a use of money. $30, 30, 39 cents. I mean, I appreciate supporting a creator. You can't afford it. Don't do it now. Amazon Chase Card.

[C]

That's mine.

[B]

That's yours?

[A]

Oh, crazy.

[C]

That's mine. But I, I am not the Amazon spender.

[A]

Who is?

[B]

Well, we both buy things on Amazon. It's not just me.

[C]

No, I don't frequently buy. I'm. I'm one that like if I need something, I'll go buy it at the store. I'll go physically buy it at the store. Unless.

[A]

$10.11. $25, 10 months payoff. Okay, it's all Amazon. There's also Animal Drafthouse, Prime Video Prime Video Pool Burger. It's not even all Amazon, of course. Interest this year so far. We don't always pay it off. Pull someone pull up the Amazon.

[C]

I don't have the app, but I can pull it up.

[A]

Whoever has the app. Guitar pick. Yeah. He will spend unlimited money on all his things. Sour strawberry, Sugar free chewing gum.

[B]

That replaced my vape.

[A]

Crazy. Okay, that's good. Secret Head Hitler. I mean, it's fun, but you don't have money.

[C]

It's the game that we played when we met. The day that we met, he came over to play Secret Hitler.

[A]

Nostalgic purchase.

[C]

A little.

[B]

We. We enjoy playing board gaming. We enjoy playing board games.

[A]

Well, that's not a two person game.

[C]

No, but our friends enjoy it too.

[B]

So we enjoy hosting. Having friends over too.

[C]

It's free if they come over and play Quicksilver.

[A]

What's going on with this card?

[C]

That's me. I pay it off every month down to zero. Honestly, time.

[A]

No interest is accrued this year. Okay, yeah, I'll cross that off. Okay. But it was still 414 hours of purchases. I could have gone towards the paint off that. And it's Marshalls. It's Animal Draft House. It's Fetty. And it's Fetty.

[C]

I think I get points for ride shares. So Wonderful.

[A]

Great. We're spending money we don't have. I'm thrilled it was Southwest Rapid Rewards.

[C]

That's mine. Also.

[A]

Total Fees? Is that a. Is there an annual fee on this one?

[C]

I don't know.

[A]

Or is that too late fees? I don't know. 70 bucks of fees this year, probably annual.

[C]

I can check.

[A]

We'll see. I don't know every single credit card.

[C]

It shouldn't be a late fee. I've never been late on that.

[A]

You didn't think he was either. I won't write it down because you got no interest accrued this year. By the way, yours that sometimes get paid off have had interest this year, so I'm putting down the balances. By the way, Taco More, Uber Eats, Hulu, Habos Restaurant, East African restaurant, Paramount Theater, Spotify, Netflix Line, Hotel restaurant. It's just. It's just eating and going out and blowing money constantly. You guys live such an insane lifestyle.

[B]

We just go out and have a good time.

[A]

No, that is as clear as day. You did not have to tell me.

[C]

Sometimes we're really tired and we don't want to cook, and we. Yeah, yeah, a little Boo hoo. Yeah.

[A]

We're just meal prep, you tit.

[C]

We. I like fresh food and I don't like leftovers. More than like two days.

[A]

I don't care what you like. I'm talking about paying off debt. You. What are we doing?

[C]

I don't know what those charges are.

[A]

Mythical store, like gmm.

[B]

Oh, yeah, yeah, yeah. Good. Mythical morning.

[A]

Listen, they're doing very well. You're dying in debt. What are we doing? Animal Drafthouse, Domino's, Liquor store, Dash patch, Ladybird Society. Ladybird Society. Oh, that's Yogurt Yoga Lock Combine, Summer Moon Coffee, Alamo in Space. Goblin again. So there we go. Add 15, 16 to the. To the Pokemon. A lot of interest has occurred this year so far, so. But this is $32, and then this is paid off, so. What the. What are we doing? What are we doing? This is just so moronic. Did you find out, was it an annual fee? No, it was late fees.

[C]

No, I don't know. I just.

[A]

It was late fees.

[C]

No, I don't know.

[A]

I don't. If it's not annual, then it probably was.

[B]

I don't think it's an annual fee. It's probably two late fees. You said $70, $35 a piece.

[A]

I think it's too late fees.

[C]

No, there's no way I pay them that off. I mean, I don't. Here's the thing. I don't know how to find.

[A]

What's the card Specifically, what's the card?

[B]

Southwest Rapid Rewards.

[A]

Southwest plus making it up for you. Nope. Does not have an annual fee. Oh, wait, wait. Rapid Rewards. Not the Southwest. Rapid Rewards credit cards. There. Wait. Oh, there is an annual fee. None of the current consumer business are fee free. Okay, this doesn't matter. Okay, here we go. Discover card. What's the balance on this? Because I don't. See, you didn't send Discover. Real statement.

[C]

Yeah, probably zero. I. I pay off all my cards down to zero.

[A]

I hope so. Sephora. Amy's ice cream. El Pollo Rico going in, getting some BS from the gas station. Golden Corral. Amy's ice cream. Golden Corral.

[C]

I had a craving.

[B]

Yeah, we gave in to a craving there. I think that's the first time I.

[A]

Had so much good Mac and cheese here. And you went to Golden Corral.

[C]

I know.

[B]

Very disappointing.

[C]

Yeah, we're never going back. I just wanted Mac and cheese, mashed potatoes, and a dinner.

[A]

I bet the Mac and cheese pizza from Cici's is better.

[B]

A lot of these cards that have, like, small balances on them come from, like, she has a belief where she needs to use those cards every month so that way they don't get locked up.

[A]

This Wells Fargo card was paid off as well, but it doesn't even make sense because it accrued $87.70 of interest this last month. Because you didn't pay it off in time.

[C]

That was. That was our bad. We used that to buy our wedding bands. And our plan was to take advantage of the no interest and pay it all off. And I forgot when the no interest was going to end, so the interest hit and then we paid it all off.

[A]

Okay, here's our outback. And I mean, again, without everything else, you can afford this $43,900 car loan. What is it? A 1.9% interest rate?

[B]

Yes, it is.

[A]

That's good. I do like that. And again, the car is not ridiculous for your guys's income situation. This is. Combine it with everything else that it might be.

[B]

Yeah, the. The 1.9 interest rate is what made us decide to actually pull the trigger on the purchase.

[A]

I really got you.

[B]

We.

[A]

$43,984. What's the. I needed a new car was going on.

[C]

Well, we. We did try to do. We tried to be a one car household. That. That wasn't working. He did find, like, a little beater for $2,000.

[A]

I wouldn't recommend that.

[B]

It just got me from A to B. It was the only purpose of it. But it wasn't sustainable.

[A]

I know usually a $2,000 car, though. A to B is still going to cost money to keep it going.

[B]

You know, it cost me $1,000 to buy, and then I've spent $600 on, like, just, like, breaks and proof that.

[A]

It can happen, happen, guys. Even still today.

[C]

But then our.

[B]

It's available if anybody wants.

[A]

Usually I do like 5,000 for beaters when recommended these days.

[C]

Our dog chewed up the deed, though, so it's now just sitting.

[A]

Oh, that's fine. I had to go get two titles. It takes just mailing the.

[B]

The title is in New Jersey, though, so.

[A]

Oh, I don't know about that. Okay.

[B]

Yeah, and it's also not titled to the guy I bought it from. It's titled to the guy that he bought it from. So it's in a bunch of pieces. And I have a sale contract. It's a whole thing, and it's not something I look forward to sorting.

[A]

Okay, here's Department of education. Who has 53,927.

[C]

That might be me.

[A]

Insane. What degree did you get?

[C]

Psychology.

[A]

Bachelor's 12. Okay, what's your minimum monthly A payment?

[B]

Right now she's not making any payments on why.

[C]

So before COVID I'm going to make this as short as possible. Before COVID I was working in mental health, so it was one of those, like, we can hold off your payments, and if you work here for 10 years, we'll pay off your loans, which.

[A]

Obviously didn't so well.

[C]

And then Covid. Covid hit, and I think Biden stopped all college payments. College payments, they were deferred, and then I got out of it, and they just haven't started back up. I check it every month.

[B]

They're still in deferment until November 30th.

[C]

Yeah, just now you're gonna pay.

[A]

Okay. Your minimum payment's gonna be likely about 600 bucks.

[C]

That's so much. That's so much money.

[A]

You borrowed it. Okay, Is this.

[B]

I think it's all part of hers.

[A]

Still hers. Is this yours or hers? I guess. Still.

[C]

I don't know.

[B]

I'm not sure. You can't get a statement from them, so it's only, like, screenshots.

[A]

Okay.

[B]

Yours, you're probably at 43,000 or so.

[A]

Do you have a minimum yet?

[B]

I've been paying roughly 806. No, about a thousand dollars a month.

[A]

That's not your minimum?

[B]

I don't have a minimum yet. No, it has been. It was.

[A]

I want to do more than the minimum. For your student where you have high interest debt. That doesn't make Any sense to me your minimum is likely going to be about 500 bucks. Bucks.

[B]

It's more than that. It was 860 last time.

[A]

Okay, we'll do 860 then. I wouldn't put more to it than that though.

[C]

And I think this is a different loan. That should be a different loan.

[B]

What is that?

[C]

That's my state. That's my state loan.

[A]

What do you owe on that total like 3,000. Okay. What's your minimum there?

[C]

1 65amonth.

[A]

Okay. This is insane. Ally 262.

[B]

That's our checking and savings account.

[A]

Such a low balance for your guys income. It's so damn dangerous. Wine Levy to Austin fc. Great. Austin FC or Austin FC I think and Wanderlust Wine again. They're just spending so much on. What is levy is that.

[B]

That's the vendor at the stadium.

[A]

Okay.

[B]

So you buy something at the stadium. That's what they.

[A]

Austin fc. Austin FC Central Machine Works. Los Dan Zantes.

[C]

Oh, it's a really. It's like the best biran Austin Boston Best what?

[A]

Bds.

[C]

Biria Birya. Did you just call me a birria? It's like a. It's a Mexican like stewed pork and they give you a little consme on the side.

[A]

I love Stew and it's 100 degrees outside. Hop Squad Brewing. Go fund me. What the. That was for the fund your future kid. Dude.

[B]

It was for the kid you. You donated to a kid?

[A]

Oh, you guys have no ability to not spend.

[C]

He just became an orphan.

[A]

I'm sorry. No, I'm kidding. No, that is really hard. But again you know how much money you could give in the history of your lives if you got out of debt had a fully funded emergency fund low risk over your head. You could allocate so much money to giving on a monthly basis. You doing little givings lots of fun is preventing you from giving more. You could find an orphan in a few years if you actually buckled down and paid this off. And you could could give them aing incredible lump sum of money. It's awesome. But you're preventing from getting yourself there to actually help more people.

[C]

That's what we're working for.

[A]

No, you're not selling out. $125 down $250 z$25 z86 or no Juniors Comics Great target Ladybird Society Zelling on money Chick Fil A some restaurant on South Lamar. Uber Eats. Uber Eats Starbucks. Do you guys not eat at out ever?

[C]

Yes we. When we well we go and get groceries from the farmers market and then we cook at home.

[A]

When. Whenever we. That doesn't. The math is not working. Getting some bevies. Eagle Farm Restaurant, Malacca Creations, Animal Drafthouse Austin, Wildflowers Creek. Those are all addiction St. Stoke Yapa Artisan empanadas.

[B]

Those are all vendors from the farmers market.

[A]

That's wonderful. Great. You spent a ton of money at the vendors market when you're supposed to get groceries. I mean I know empanadas were not groceries. I know for a fact. Okay. PayPal now $269 la Mexicana. Ven moing out a hundred dollars. Uber Eats. Ven moing out $50.

[C]

That's. That's part of working out.

[A]

Venuing out $120. What are you working on?

[B]

Every.

[A]

What? What? What?

[C]

The venom of a trainer. Of a trainer who comes and trains me.

[A]

Venoming out $50. Venoming out $250 ninjas for that. You might not be able to afford it. You are going to have to choose what you guys want and what you don't want because right now we have about 15 things we're paying for endlessly, just reoccurring forever. You are going to need to make some sacrifices. Ven out 50 atm withdrawal. Especially if you get. This is not a good market for what. For what tack right now? I don't know what your inspec. Specifically.

[B]

Oh I'm. I mean I, I hear that but I, I'm. My, my skill set is in need regardless.

[A]

What is it?

[B]

I work in data management and data analytics.

[A]

Bleep it. Bleep it. What company? So I work, I work as the data more resistant. Recession resistant but not recession proof. They are still. It is the second highest, highest sector of layoffs this year so far and the only one that's higher than that is federal government because the new administration came in and cut a lot. So you're in the private sector. You are by far in the highest laid off sector. I just wouldn't want to think we're completely immune. I agree you're more resistant, not immune.

[B]

I agree that no one. I think no one's immune. Right.

[A]

But I think especially in your sector right now.

[B]

Yeah. I'm part of a leadership team that's trying to overhaul the business and the way that it works.

[A]

So I hope that works. Leaders get cut all the time too though. Sure.

[B]

And I think that we need to have a plan for if that were to occur.

[A]

I know, but imagine if that occurred. You're the big chunk of the household, what like three fourths of the income. And look at this situation. What would we do? Okay. $303. Sure. Tail Creek Rare, Righteous Greens, Better Day Garden. Wolf Dog Treats.

[B]

Farmers Market.

[A]

Yeah, I recognize some of these. This is the meal. Mueller 1.

[B]

Sunset Valley.

[A]

No, you should go to the Mueller one. It's nicer. Enterprises, Texas Food Ranch. Michaela Creations, Simple Promise Rage, Rachel's Regals, Dough Mama, BCFM Sourdough, Big Brazos, Stoke. Hi Fi Waxing. All right. Well, I know you guys are working to get a baby, huh?

[C]

Hi Fi Waxing.

[A]

Going in nice and clean?

[B]

Yeah. Then, yeah.

[C]

My eyebrows. Oh, yeah.

[B]

Was that for the wedding?

[C]

Yeah.

[B]

Yeah.

[A]

Venmo. Venmo. PayPal. Venmo lost. Danzantes. Los Danzantes. Los. Wendy's. American American Statesman. He pairs. He pays for the declining paper.

[B]

American pay for it? No, she insists on paying for it.

[C]

Oh, I need to cancel that.

[A]

You need to cancel that?

[B]

I've said that for months.

[A]

They don't really do much. Ladybirds decide. No, actually, they're fine. Actually, technically, I. I am subscribed to them. I'll be honest. You guys just can't afford it. I was moving on them for no reason. High five. Shortail Creations. Ven Out Money. Venoing Out Money. Levi Austin. FC Hop Squad Brewing. Going in against BS Elmo Draft House, Taco Deli and Google Fiber. Google Fiber's fine. That's Internet. But this is crazy. $9 in this ally Savings account. That's wonderful. Okay, checking in.

[C]

See?

[A]

Well, don't check in this account. 340 and then 75 and savings. Apple Bell. D Hand burgers, Water burger. Apple Bell. Apple Bell. This is crazy. 34 in this. Nothing. Nothing. $55,000 in this retirement. Retirement? Whose retirement?

[B]

It depends on the account. I don't.

[C]

55,000 might be mine.

[B]

Hers. I think Fidelity is a transunion.

[A]

Like, let's see. This is. Is Fidelity.

[B]

It's hers.

[A]

Okay, then 75 in this. Fidelity.

[B]

That's mine.

[A]

Okay, that's.

[B]

Those are residual accounts from stock that I got from startups that I work at. So there's nothing in it. It's just like 25.

[A]

$25,000 on this.

[B]

$25, I believe.

[A]

$25. Sorry. $7 in Schwab. $23,000 in Vanguard.

[B]

That's mine.

[A]

Okay, well, your entire. And what's your. Guys, what's your gross income?

[B]

Gross income?

[A]

350.

[B]

Yeah. 3. 325.

[A]

325. And yours? Gross.

[B]

No, that's as a household at 325.

[A]

Oh, 325 is household. Okay. You guys should approximately be at retirement total combined about $500,000. So you guys are certainly behind by about a fifth. So. Yeah, yeah, yeah. Now I know that makes it even harder. It's like that's so much money. But it scales with your income in terms of where you should be at if you want maintain the lifestyle you have now by retirement. So your retirement score is not going to be perfect. Right. And like, I mean that would be great for. That would be perfect for someone your age making, you know, a hundred thousand dollars a year. Like they would be killing it. They would be beyond killing it. Well beyond their goal because you guys are at total retirement. Looks like 1 6D6000. Like if someone made 166,000 or no, if someone can make to. I mean. Yeah. You know what I'm saying?

[B]

Yeah.

[A]

It scales with your income.

[B]

Yeah. Because it comes down to maintaining lifestyle at that point.

[A]

If you want it in retirement, which I looking at what you guys do, I don't think you're going to cut back. I don't think you're going to want to cut back.

[C]

I think we'll surprise you.

[A]

Okay. Come back on the follow up channel and prove it. I'm just looking at literally what you do right now in of front front of me. I. And none of these are a mortgage. Okay. $367.41 plus $623.67 plus 113 $35.37 plus $44 plus $29 plus $40 plus $30 plus $25 plus $646.14 plus $600 plus $860 plus $165. Especially when the student loan payments start back up. Your minimum monthly payments to survive are $4,765.59. The other car does not have a loan on it.

[C]

What other card?

[B]

The other car. No, it's paid off.

[A]

$18,000 is our net income on a monthly basis. What's your rent?

[B]

2,650.

[A]

It's okay for your income. Utilities including Internet, all combined.

[B]

350.

[A]

Gas? Vroom, vroom. Drive. Drive. Both of you. Come on.

[B]

$200 a month? Yeah, 250 to be safe.

[A]

Car insurance.

[B]

We paid a month. We paid six months at a time.

[A]

How much every six months?

[B]

Sixteen hundred.

[A]

Okay. $267. Phone bill?

[B]

220.

[A]

Yeah.

[B]

Why new phones?

[A]

You financing them for hers? Yeah, T. I use T mobile here, so it's good. Same coverage for helium is like literally $40 a month for the both of you combined. If you want to do a budget option, it's really good. Yeah, this is one of those third party carriers, kind of like mint and those other ones that just use the same towers, same service, but they do it on the cheap. Okay, Food. I mean, we could. I don't even need to do 600 hundred. Like, listen, let's see how I can work your budget. 600 for groceries, let's say. But I'm gonna say eating out. This is how crazy this is, guys. I'm gonna say eating out. 500. Let's see what happens. TP fund. This is anything else you need to survive. $200. And I'm gonna say fund spending. $200. Medical, healthcare, co pays. Anything.

[C]

Yeah, under my insurance. But co pay is like $25.

[A]

How often?

[C]

Once a quarter.

[A]

Oh, okay. So we'll just put 25 bucks in there to be safe. How much do you give your trainer?

[C]

$50 a session.

[A]

And how many sessions a month?

[C]

Two a week. So eight a month.

[B]

400Amonth?

[A]

Yeah, 400. Is there any other gym costs outside of that?

[B]

$60. The subscription for the tonal machine that we have.

[A]

Okay, so 460 bucks. Subscriptions are called 50 bucks. Go crazy. You have a pet?

[B]

We have two pets. Two dogs.

[A]

Two dogs. Ages and health.

[B]

One is six and one is one. They're both in good health.

[A]

Okay, let's call pet insurance. 120 bucks. Dog food. How much?

[B]

$100 a month.

[A]

And how much for all the training and sitting and everything you guys are doing?

[C]

Oh, gosh.

[B]

It's about $400 a month.

[A]

Yeah. That's pretty crazy. All right, let's see where this is. Lands us, guys. If you didn't have your minimum monthly payments and all this debt, the life, the. It's insane you could have so much fun. Now I'm dramatically concerned that you don't have a fully fronted emergency fund. Like, it makes no sense.

[B]

Tapped out for the wedding.

[A]

That's not an emergency.

[C]

And then I got tapped out for a honeymoon.

[A]

That's not an emergency.

[B]

It's gonna be a good time, though.

[A]

Certainly will be. Won't be when you get laid off and you don't have a income.

[C]

I mean, knock on wood.

[A]

Knock on wood. I hope you don't. Obviously. 1011.157.59 is what you need to survive with the fun I'm giving you. So off.

[B]

That gives you literally $4,000 and.

[A]

Yeah, well, no. So according to your 1800 NAT 6842 $2. Let's round it for Wiggle. 6,500 left. Student loans. That'd be minimum payment until they're paid off. So what does that leave us with? You can go highest interest or smallest balance. Whatever method works for you. I don't really care actually.

[B]

It's not really a big difference there between the speed in which those are paid off.

[A]

It's hard really. It's so situational. Avalanche does always get there quicker.

[B]

But Avalanche being highest interest first.

[A]

Yeah, but how much quicker depends on the situation. A lot of the times it's really not that.

[B]

Okay. So it's almost six hand. Six in one hand, half a dozen in the other.

[A]

Yeah. Now minusing the student loans brings us to 168,000. But I'm also going to minus the car because we can minimize the payment until that's paid off at that interest rate. So immediate debt to pay off is 124. 162.55 with 6500. Yeah. Dude, come on. It's less than two years. It's a year and a half. And get an emergency fund. This is so easy. And I gave you more fun than I've ever given anyone. I don't want to hear this. This is baby.

[C]

I told you I could do it in two years.

[A]

Choose what? Yes. If you do this not based on what you're doing. Yeah.

[B]

That budget doesn't include having someone come clean the house.

[A]

No, I gave you guys funds spending a 500. Allocate that how you wish TP fun. No, sorry. 200 for fun. 500 for going out to eat. $200 for your TP fund. You can allocate that. Maybe do like a bi weekly cleaning or something. I don't know. 400 for I gave you guys so much. I've given you guys more than anyone's ever gone. Join us in the post show. We'll ring in the producers, we'll talk about that. There's always things that that come up. It's the best membership on YouTube Hammer Elite by far. Let's get this Hammer Financial score. Spending a budget. You overspent. We figured out how 0 out of 10. You're confused. I don't know how zero debt mean. The debt is really bad. You guys can just get out of it. There's no collections going to say for your income. Technically 2 out of 10 emergency funds. Somehow nothing. Cuz emergencies of Hawaii retirement. Yeah, you're at a 3 out of 10 there. The math we were doing real estate. 0 out of 10. But you'll get there eventually. I mean, that's a Hammer financial score, right? Am I want to confirm? Yeah. 1 out of 10 out of 10. He was right. He nailed it. First thing he got right. All episodes. Just kidding. Join us for the post show Guys, Join Hammer Elite. Click the join button now. I'll see you there.

[C]

My dad lives in Mexico and my sisters and I sent him a money every month.

[A]

How much money are you sending them?

[C]

Not that bad.

[B]

You're still doing that?

[C]

Less than your Pokemon.

[A]

Did we agree not to do that?

[C]

No, we. I didn't. I didn't talk to him about it.

[B]

That was like a one time thing for like six months. No, you're doing this every month.

[C]

We already have once. Your parents need help. Okay, well, my dad does need help.

[B]

Okay.

[A]

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