I Wasn't Expecting This... Transition… | Financial Audit

Summary

Financial Audit Podcast Summary

Episode: I Wasn't Expecting This... Transition… | Financial Audit
Host: Caleb Hammer
Guest: Sam (31, Project Manager/Sales, Atlanta, GA)
Date: April 16, 2025

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Brief Overview

In this deeply personal and at times chaotic episode, Caleb Hammer sits down with Sam, a 31-year-old trans man from Atlanta, Georgia, to do a full financial audit. The conversation covers everything from Sam’s ongoing gender transition and family dynamics to the couple’s dire financial mismanagement and communication issues. Throughout, the episode delivers Caleb’s signature blend of tough love, brutal honesty, and humor while dissecting a mound of financial paperwork and unearthing how financial (and emotional) chaos is exacerbated by avoidance, miscommunication, and impulse decisions.

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Key Discussion Points and Insights

1. Identity and Major Life Goals

• Transition and Family: Sam opens up about being a trans man, his desire for top surgery (estimated cost $20,000, plus recovery time and additional planned procedures), and the financial barriers preventing these life-changing steps.
  • Quote [00:43, Sam]: “I'm a trans guy.”
  • Quote [03:31, Sam]: “I always joke about, hey, I have to come out of the closet twice... being a lesbian and being a trans guy.”
• Motivation: Sam is driven by a desire to “give my wife a very good life” while also pursuing these medical goals. Both Sam and his wife are immigrants from Brazil.

2. Employment Instability and Income

• Job Issues: Sam works as a project manager/sales for a construction company, making $82,000 but is consistently paid late (sometimes two months behind) and has no paid time off.
  • Quote [01:51, Caleb]: “Maybe you're leaving the job at that point. I'm gonna be honest.”
• Household Income: Together with his wife (who drives for Amazon and Instacart), household income last month was $10,788 (~$120,000/year), but income flow is highly irregular.
• Employment Structure: Both are contract (1099), which complicates taxes and withholding.
  • Quote [11:08, Caleb]: “You're both contractors, so we're setting aside money for taxes?”
  • Quote [11:15, Sam]: “No.”

3. Dysfunctional Communication and Budgeting

• Couple’s Communication: Sam and his wife rarely discuss money and have little knowledge of each other's finances—even after five years of marriage.
  • Quote [14:34, Caleb]: “How would you not even know... down to the penny?”
  • Quote [14:37, Sam]: “I have no idea how much my wife does...”
• Spending Problem: Despite solid income, total household spend last month was $16,000—outspending income by over $5,000.
• Vacation and Escape Spending: Frequent use of vacations and buying as a “real-world escape,” often funded by credit or buy-now-pay-later services.
  • Quote [16:10, Sam]: “When we talk about vacation, we see our... We kind of forget about credit cards.”
• Impulse and Mismanagement: Repeated purchases of furniture, cat supplies, trips, and even sending money to family in Brazil, all while not tracking, budgeting, or prioritizing needs.

4. Debt and the Consequences

• Debt Load: The couple carries over $60,000 in a combination of credit cards, buy-now-pay-later accounts (Affirm, Klarna), IRS debts, and car loans.
• Minimum Payments: Minimum monthly payment across debts is ~$1,850, with credit limits frequently maxed and interest rates above 20-30%.
• Tax Trouble: Owe ~$13,290 to the IRS from previous years; not saving for current/future taxes, leading to penalties and stress about citizenship implications for Sam’s wife.
  • Quote [72:05, Sam]: “Last week we just saw that if we owe X amount of IRS, my wife can not be a citizen. Maybe.”

5. Family, Culture, and Guilt

• Supporting Family: Both Sam and his wife feel obligated to support relatives in Brazil, sending money monthly without tracking how much.
  • Quote [44:02, Caleb]: “The dollar amount, no. Then it’s hiding.”
  • Quote [44:12, Sam]: “I just thought it would be a hundred dollars per month...”
• Cultural Context: Sam describes a Brazilian upbringing where children are expected to help parents, but recognizes this can be “stupid” and financially harmful.

6. Psychological Triggers and Relationship Dynamics

• Avoidance and Blame: Both focus on “external” factors—Sam blames his boss for inconsistent pay, and his wife blames his late pay for their problems, while neither addresses the core spending problem.
• Impulse and Addiction: Sam repeatedly mentions an addiction to buying chocolate, often going on 3 am Hershey’s runs (6–10 bars per day).
  • Quote [57:14, Sam]: “I need at least 6 or 7, 10 bars of Hershey’s per day.”
• Lack of Self-Control: Admits to both impulsive giving (e.g., sending money to family, strangers needing gas) and buying.
  • Quote [53:00, Sam]: “Because I think...the way I was raised, we didn’t have money...So when I see a family that needs gas...I can’t say no even if I put it on the credit card.”

7. Concrete Suggestions and Turning Points

• Budgeting Intervention: Caleb prescribes immediate use of the Simpler Budgeting App and sets a plan for regular joint review.
  • Quote [36:44, Caleb]: “All you have to do is use...a budgeting app. Again, not to plug, but my goodness, it’s like, it’s the easiest thing in the world.”
• Math and the Path Out: After itemizing essential expenses, Caleb calculates that—if spending can be restrained and a $500 "fun" budget is maintained—the couple could pay off all $60,000 in debt in less than two years.
  • Quote [92:24, Caleb]: “It is literally by a couple dollars…$5,993.92... That’s what you need to live... you have $3,500 extra [per month]. Choose what to do with that $500… debt done in 17 months.”
• Brutal Honesty: Caleb diagnoses their situation as a “stupidest zero out of ten” Hammer Financial Score, driven purely by failure to communicate, lack of self-control, and not adapting to a new country’s financial realities.
  • Quote [93:40, Caleb]: “This is the stupidest zero out of ten in the world… probably because you ruin your brain with chocolate, chocolate, chocolate.”

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Notable Quotes & Memorable Moments

On the root of their financial chaos:

• Caleb [25:04]: “I thought you were just talking to me and you don't even know. You belong in that week [Fat Stack Week]. What are you doing here? What's going on?”
• Caleb [36:55]: “You're obviously not a credit card person... you're not mature enough to have access to a credit line.”
• Caleb [52:54]: “Best way to help others is for you to be in a financially sound place because then you’re able to help others forever instead of barely being able to help people.”

On the couple’s communication gap:

• Caleb [14:37]: “Why you guys have been. You've been married for five years. Do you not communicate? Do you not talk?”
• Sam [15:37]: “I always was waiting for something to happen so I can start saving money.”

Lightning round of debt reality:

• Caleb [90:07]: “You’re 1, 2, 3…15 individual debts.”
• Sam [90:09]: “Damn, that's good.”

On the couple’s ‘fun’ budget (and the foolishness of their debt burden):

• Caleb [92:24]: “You have $3,500 extra [per month]... debt done in 17 months. Dude, this is nothing. There is no reason to be in this debt.”

Comedic Relief – Chocolate Addiction:

• Sam [57:14]: “I need at least 6 or 7, 10 bars of Hershey’s per day.”
• Caleb [59:13]: “What show am I on right now? My Strange Addiction?”

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Timestamps for Key Segments

• [00:04] – Sam's transition, goal of top surgery
• [01:20] – Job issues and being paid late
• [03:31] – Coming out “twice”: as lesbian and trans man
• [08:15] – Family arrival in U.S.; moving & debt origins
• [11:08] – Not saving for taxes
• [13:15] – Outspending income by $5,000/month
• [16:10] – Why they go on vacation while in debt
• [25:04] – Discovering wife's secret Affirm purchases
• [44:12] – Hidden money sent to family in Brazil
• [52:57] – Sam’s self-described non-stop empathy/overgiving
• [57:14] – The Hershey’s addiction and chocolate debates
• [72:05] – IRS debt and citizenship stress
• [92:24] – Budget solution: two years to pay off all debt

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Conclusion

This episode stands out for its raw honesty, the blend of personal identity, family obligations, and financial dysfunction. The audit is less about numbers and more about the underlying emotional currents: avoidance, cultural expectations, and lack of self-control.

Final Recommendation:
Caleb's ultimate advice: Sam and his wife must start communicating, adopt real budgeting discipline, and cut out all but the most necessary expenses—especially if they want to reach their key goals (surgery, citizenship, and financial peace). The couple's financial mess is, as Caleb repeats, both “stupid” and “easily fixable”—if only they get out of their own way.

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Tone:
Unfiltered, comedic, exasperated, and ultimately hopeful—with Caleb’s characteristic blend of empathy and tough financial love.

Transcript

[A]

To watch episodes of Financial Audit a week earlier, Check us out on YouTube. So what does a better life look like?

[B]

Be able to have my top surgery.

[A]

Top surgery?

[B]

I'm a trans guy.

[A]

Interesting. How much does that cost?

[B]

Thousand dollars to do it.

[A]

You're not gonna get your checking account. Download my new Simpler budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for Simpler premium annual.

[B]

Hey, this is Sam. I'm 31 years old. I live in Atlanta, Georgia. And this is Financial Audit.

[A]

Thanks for coming over from Atlanta. That's a pretty good trip. What do you do there for a living?

[B]

I'm a project manager. SL sales guy.

[A]

Oh, that's an interesting. That's two jobs, but okay, so you better be making money. How much you making for a year?

[B]

82.

[A]

Yeah. Okay. That's money. How you feeling living on Atlanta at $82,000 a year, I think it should be better. But living there or making more money?

[B]

Making more money? Better. Because I have a problem with my job right now and he doesn't pay me on time. It should be better.

[A]

Wait, okay, you make 82,000. How much that actually comes in?

[B]

I mean, it does come in 82,000, but the way that is coming in, he split everything.

[A]

What does that mean?

[B]

So if, for an example, if I get. I have a base salary, so it's 11:50 per week, but he doesn't pay me every week, so he's like 14 days behind sometimes.

[A]

How often?

[B]

Four years.

[A]

Okay, four years.

[B]

Yeah.

[A]

No, I'm saying how often is he late, though? Every paycheck.

[B]

Yeah, every paycheck.

[A]

Okay, well, maybe you're leaving the job at that point. I'm gonna be honest. We once in the history of the show had a week called fat stack week. And it was the thickest paperworks. Thickest stack of paperworks. And I don't go through the paperwork anymore beforehand because I like to go in blind with the audience and go through the experience with them. And when I sat down here, I was quite surprised because this is a lot of paper, dude. You belong in that week. What are you doing here? What's going on? What are we talking about?

[B]

I really want to give my wife a very good life. Yep.

[A]

Cool. How long have you guys been married?

[B]

This year is going to be five years.

[A]

Wow. Okay. Very cool. Any kids?

[B]

Nope.

[A]

So what does a better life look like?

[B]

Be able to have my top surgery. Be Able to top surgery. Top surgery?

[A]

Like, top surgery tops. Like trans?

[B]

Yes. I'm a trans guy.

[A]

Interesting.

[B]

Yeah. Oh, don't look like.

[A]

No, I mean. Well, congratulations. You've done that very well. Successfully made it to the other side, it seems. I have no idea. Okay. I honestly, this was years ago, but I had someone on the show, it pretty much their entire financial life just to get top surgery, I think, or.

[B]

That'S a lot of one.

[A]

One of the surgeries. I. I don't. I don't know which one at that point. No, that was.

[B]

That was probably top surgery.

[A]

No, that one came from man to woman. You went from man, woman to man, woman to him.

[B]

Yeah, I always talk about, like, I had to come out twice.

[A]

What?

[B]

Like, I always joke about, like, hey, I have to come out with the closet twice.

[A]

Why?

[B]

Being a lesbian and being a trans guy.

[A]

Oh, my goodness. Yes. The world's very confusing. Okay. Yeah, sure. How much. How much does that cost?

[B]

Around 20 grand. Because I have to be at home at least three weeks because not working. I have someone to be pay time off.

[A]

No, no paid time off in this job?

[B]

Never.

[A]

How structured is this job? It doesn't really make sense to me. You get paid a lot of money, but you rarely pays it. You don't have paid time off. I'm just like. I'm like, so you've been there for four years?

[B]

So the way the, the way it was, he found me on the restaurant, like four years ago.

[A]

Okay.

[B]

He was trying to get my wife to work for him. And then my wife, like, no, I don't know you, and give me his number. And then months go by, he was there again. And like, hey, I really need someone to be, you know, getting calls and putting my schedule and all of that. So I gave him. She gave. I gave him a text, like, hey, and back then, I was not a trans. So I was fooling like a girl still. So I gave him my original name, like, hey, this is wife of Ta da da. And then he's like, okay, meet me here 5:30 in the morning.

[A]

You guys were married?

[B]

Yeah. Yeah. Wait, she met.

[A]

She married a chick?

[B]

Yeah.

[A]

What does she think about? Like this?

[B]

She was cool, but her parents, on the beginning, like, I was the first chick that she had. Let's say she was always straight. She was always with guys in Brazil because she's from Brazil as well.

[A]

Yeah.

[B]

So when we met and works, I guess we met and I was working on the restaurant. I was a manager of this Brazilian restaurant.

[A]

Yeah.

[B]

And then she was there Being a regular, just visiting her cousin that lives in Atlanta as well. She was in and out and I'm like, hey, you know, you look nice, you look cool. Why you don't work here, do a little bit of money, go back to Brazil with a chunk of money. Like, okay, are you gonna give me the job? I'm like, yeah. So months go by.

[A]

Are you like a butch lesbian?

[B]

Yeah, yeah, yeah.

[A]

Like I could say because you already got like the. You got the dude energy on you. So I feel like you're kind of like a. You know.

[B]

But I was only like that when I moved to United States. Like when I was away from my parents. Yeah, actually like Brazilian. Yeah.

[A]

You got the bbl. Yeah. All the goodies.

[B]

Yep. Sure.

[A]

And okay, so we're trying to save up for a twenty thousand dollar booby go. Bye byes.

[B]

Yep.

[A]

Okay.

[B]

At that. And I want to take. I might say this on ovary. Like the ovary.

[A]

Oh, we're taking out the O's. Yeah, the eggs.

[B]

Yep, yep. Because I'm not gonna be. I'm not gonna get pregnant or anything like that. So I'm just gonna take that out.

[A]

But you don'.

[B]

Want to. Okay. Yeah, we don't want to.

[A]

Right? Well, I mean, yeah, I mean that makes sense. I guess you'd have to have someone else to do says yeah, yeah. At the point. Okay, so we're scrambling and we're cutting. Sure. How much does that cost?

[B]

12, $15,000 to do it for that one. For the sur. Oh, for the ovary.

[A]

Yeah.

[B]

That is around 13.

[A]

So we have 20 plus. 13.

[B]

Yeah.

[A]

So 30. Let's call 35.

[B]

35.

[A]

Okay, so we're looking for 35,000. I don't judge. I'm just here to do math. We're on. We're in the math game here. Someone asked me what I want to.

[B]

Budget for and plus the time off because she has not. She cannot work. She had to be with me. And then after.

[A]

For two weeks though.

[B]

Two or three weeks.

[A]

Okay. Did all the things she have paid time off?

[B]

No.

[A]

The does she do.

[B]

She do Amazon deliver and Instacart deliver.

[A]

Yeah, that's contract.

[B]

That's the one thing that I really wish that she couldn't work with that. So 20, 22 was when my mom came here and she started to living with us and stuff got very tight and in her side of credit card. It's where we put a lot of moving because I have to move like so it was supposed to be my mom and my sister to live together. Because she had a house back then, like a townhouse. So you have more. But she got up to a divorce, like, right. Like, couple months.

[A]

How does this impact you?

[B]

I had to move. And I had to move her a bigger place because we were living in an apartment in one bedroom, so she was bringing her dog. And I'm like, I cannot have a dog in this bathroom. My mom cannot sleep on a couch. So. And the only way that I move with my mom, it's my wife putting, like, saying, like, I will just move if we move it in a place. In a house with three bedrooms, so we have a lot of space in a yard so the dog can be happy and all of that. So we did our research, and, like, couple weeks before my mom getting here, it's where I got approved for a house. And the only way that I got approved, it's making a huge down payment. And I had. And she had to create a credit card for that. And so most of her credit card is because we put, like, trucks moving and the down payment. Maybe a couple rents were there first, too.

[A]

Yeah. Okay. I don't know. Your finances are obviously. This is an absolutely insanely thick stack. Are you trying to say what got you into this was you had to move? Is that what you're saying? The stack of thickness is in front of me because you had to move? Is that what I mean?

[B]

Her credit card? Yeah.

[A]

And her credit card.

[B]

Yeah. In her side of her credit card. Like, her.

[A]

I don't care about her. Whose credit card? Her credit card?

[B]

Yeah.

[A]

Your wife's.

[B]

Yeah.

[A]

Okay.

[B]

Yep.

[A]

And her credit is her credit card.

[B]

Yeah. Everything is there.

[A]

Oh, this is both of you?

[B]

Yeah.

[A]

Oh, well, I mean, you guys have been together five years, and there's no kids. No, we're not planning.

[B]

No. No.

[A]

Okay. Okay. Well, where do you think you are in the world of finances? 0 to 10, 0 being the absolute worst finances, 10 being the absolute best. Where do you think you are?

[B]

0.5.

[A]

Yeah.

[B]

Yeah.

[A]

Watch your Hammer Financial score. Take the assessment. The link is in the description below. You can always just go to caleb hammer.com as well if you want to come on the show. Caleb hammer.com apply. I'd be happy to have you on here. Okay. Now, you said you do sales. What do you sell?

[B]

I sell projects. So I sell concrete, like a driveway, a retaining wall, pavers, stonework. So I go to houses. They call us, of course, to do an appointment, and then I do a walkthrough and see what the person wants to do. And then when I get home, I build the estimate up and send it to the client. Like last year, I was able to sell $4 million for the company.

[A]

$4 million. That's awesome. What's your commission percentage?

[B]

1.5.

[A]

Yeah. And that? 82. Is that from that?

[B]

Yeah.

[A]

Okay, so 82. I mean, I have. Oh, this is with your wife combined.

[B]

Yeah.

[A]

I have the household income at 10,788 for the last month. Right?

[B]

Yep, yep, yep.

[A]

That's not bad. It's over six figures. 120. Right.

[B]

It's not bad, but 120 is great. Yeah, yeah, it's great. I show up, I have. I want more. Of course.

[A]

Sure. But that's close to like median, double median. The household income in the entire United States.

[B]

I don't know that. Yeah, yeah, yeah, yep.

[A]

The median household.

[B]

The amount that I had to spend to work for him is insane.

[A]

Do you get it reimbursed?

[B]

Never.

[A]

Do you. Are you a contractor?

[B]

Yes, I tend.

[A]

So you can write it off. So I deduct right off.

[B]

The only thing that the lady, when I do the, the taxes she write off is just my miles.

[A]

Well, why, why not more? Do you. Maybe your CPA is. Maybe you get a different cpa. Why do we have to put the lady.

[B]

I, I, we change it this year. We're gonna change this year?

[A]

Yeah.

[B]

I mean, wait, we're gonna change later this year.

[A]

Do you file quarterlies? No, I mean, that would. Okay, okay. 10,000 came in. You're both contractors, so we're setting aside money for taxes.

[B]

No.

[A]

Okay. How long have you been. You've been doing this for four years. How was 20, 23's taxes?

[B]

How much I had to pay?

[A]

Did you pay them?

[B]

I paid them monthly. Huh. So it's.

[A]

You still pay them?

[B]

Yeah, I still pay.

[A]

You still pay that? Yeah, See? And, but why would we then not start saving for the taxes we're doing now if, if we're already paying previous taxes monthly? Why do we want to continue stacking that up with having to pay. It's very last year's taxes?

[B]

It's hard to do budget when you're not getting payment. It'.

[A]

Yeah, but you are getting paid. You're not getting paid on time, which does suck, and I do empathize with that. But you still, you put, you put the. Listen, have to pay taxes without getting paid. Get that? Okay. You only save for taxes when you get paid. So listen, making a payment on a rent, like if for some reason you don't get paid once that entire month, but you get paid five times the next month because the dude up. Yeah, that sucks. That sucks. But you only put aside money for taxes once you get paid. So it doesn't matter when you get paid if you get paid once a month. You said 30% aside from that away.

[B]

But when he pay me, it's already a lot of fees already gone. Like I have fees. Yeah. Like for my credit card that I'm trying to do minimum payment. So. And then enter and so fees come in and then I had to pay that and then for whatever fees that we have, like a rent or water.

[A]

Yeah, expenses. But you can control some of those. The rent, you know, you can choose what rent you have.

[B]

I feel I'd never have money on my bank account when it's blow it.

[A]

All and you're stupid about it. Listen, you made 2,000, 10,400 for the household last month. How much did you guys spend as a household?

[B]

Probably that.

[A]

No, you spent 16,000. Yeah. You spent 16,000. So I don't have money. Who would have thought I wouldn't have money if you spend 16,000? Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom or dad can step off the hook. Y Refi is known for personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private loans are burying you, it's time to reach out. Why Refi wants to help you climb out of debt, not push you further in it. Check them out at yrefi.com hammer that is Y R E F Y.com hammer or call 888 Y REFI 78. That is Triple 8 Y REFI 78. Break free from the high interest trap and get your finances under control once and for all.

[B]

Probably because of fees, right?

[A]

No, no. I mean, I don't know. I mean, we're gonna go through everything, we're gonna find out. But how would you not even know. 16,303.42 down to the penny.

[B]

I have no idea how much my wife does, so I kind of.

[A]

Wait, what? Why you guys have been. You've been married for five years. Do you not communicate? Do you not talk?

[B]

We don't talk too much.

[A]

Why we always.

[B]

There's not five.

[A]

Was it your accent?

[B]

No. What do you mean my accent? Okay, why did you guys talk? We always get nervous. Like, we're never nervous. Yeah, we're never person that knows how to deal with money or came with people that, you know. Parents, none of us are or it's good to do money.

[A]

None of us come for parents that.

[B]

Know how to do things like, hey, can we do this? Can we do that? We are counted with money that I will still receive. Like, oh yeah, maybe right now. Like all the problems that I have with my boss. Like, oh yeah, start doing with your car and I will give you a car a couple months if I see you're gonna stay with me if you're good and whatever. And I'm the only seller beside him.

[A]

Okay.

[B]

So I always put in my head like, okay, once he gave me a car, I'm gonna sell mine and we're gonna do more money and then we can, you know, pay all this stuff. But that never came. So I always wait was waiting for something to happen so I can start saving money. Ish. Something like that makes sense.

[A]

Yes, I guess. But you literally spend 6,000 hours more than you guys made. So. Well, what are you waiting.

[B]

That's part because vacation wise, maybe like my vacation. No, I mean, not all that.

[A]

Can we go on vacation when fees are the ones destroying our lives? You said fees like rent. It's a life fee. I assume is the way you're thinking about it, which is fine. Sure, I guess. Yeah, you gotta have a roof over your head. That's a life fee. But if you can't afford that, why are you going vacation? If you guys can't talk about money, why are you going on vacation?

[B]

Because when we talk about vacation, we see our. We kind of forget about credit cards.

[A]

Yeah. You see an escape from the real world.

[B]

Yeah. Maybe you guys run away instead of.

[A]

Actually dealing with your problems.

[B]

It is hard to talk with her.

[A]

Why? I need to know why.

[B]

I mean, she's not here now. She's right there. So.

[A]

Yeah, so tell me why.

[B]

Well, because when I say something, she disagree and I think I'm right.

[A]

Now why do you guys disagree when you're talking about money?

[B]

Give me an example for an example when I saw stuff was getting tight for us and I told him, like, look, you need to get another job, like beside the one you have to use car. So we can sell one car, use that money for pay some stuff, and then we could be better. And I can pick you up and back and forth if you need that. And she disagree with me. She's saying that the problem, it's not her with her job in the car, it's me not getting paid in time and.

[A]

Huh. Okay, so how do we resolve that then? How did the conversation usually go from there?

[B]

And I tried to make her work out more hours because she only worked from 6:30 to 3.

[A]

From 6:30 to 3?

[B]

Yeah. And then after Tisha doesn't win it anything, she just go home.

[A]

Well, 6:33, what is that? That's still eight hours.

[B]

It's not good hours to work. But the. She doesn't do that much. Like the only way that sounds like.

[A]

A full day's work though, she just starts early.

[B]

She does, but it's just not enough. Like she, I mean, she doesn't work the whole time. So around noon she go home, she.

[A]

Feed her cat during lunch. Isn't that the peak hour? One of the peak hours.

[B]

I don't.

[A]

For doordash and stuff.

[B]

I don't know. She doesn't deliver food. It's. Well, you said Amazon and what Amazon does, Whole Foods, they pick up like grocery stores and stuff and everything. So she go there and at noon she stayed there for 30 minutes. If I'm there, she stayed for an hour or two and then she just worked one more hour.

[A]

Okay, so you don't think she works enough. So what do you do? You try to talk about it.

[B]

I try to talk about it.

[A]

And what happens?

[B]

I'm like, look, let's try to do like a resume for you and like put it out there, maybe work on target.

[A]

Work a better job. Okay. A different job. Well, okay.

[B]

And she said that she like, no, she said, no, it's not the problem. Because she don't think that she's the problem. Like, she's not the whole problem. Of course, if it's both, both together.

[A]

She just thinks the problem is not getting.

[B]

Not getting paid in time. Me not getting paid in time. And that's why.

[A]

Well, no, I mean, obviously objectively the problem is, I mean, you must have gotten paid on time this month because the month that we have. Because if you're making $82,000, I mean, that makes sense with what hits your account, combined household income at the 10,788. That's not about not getting paid on time. I think it's the $16,000 you guys spent.

[B]

We never agree when it comes to money.

[A]

Yeah, but, but that, that, that, that's math. That a $16,000 is more than 10,700. I don't know if we know this.

[B]

Yeah.

[A]

Or not.

[B]

But.

[A]

Okay.

[B]

But the thing is. All right, when we. I could sell my car when it was a good condition.

[A]

Still, it's a jump. Okay.

[B]

So I told him, like, look, let's sell this car. You get a normal job, work at Home Depot. We need. Okay.

[A]

You really want her to work retail? It seems. Yeah, sure.

[B]

I mean, I don't wish.

[A]

No, I, I understand that but she.

[B]

Has a very good degree in Brazil. It's a. She has to do.

[A]

She's from Brazil.

[B]

Yeah.

[A]

Okay. What's her degree?

[B]

Producer in like radio, tv, the calls.

[A]

That's a very good degree.

[B]

I think it is. I mean, I don't have anything.

[A]

She has odd degree. I don't know if that's a very sought after in demand job.

[B]

It's not. But maybe if she kind of put the work in. Maybe.

[A]

Well, sure.

[B]

Does she? No, she. I mean I've been one year asking her like, look, let's sit down, let's put everything together. I need to know how much you do. And the way we don't know how much exactly. I mean she probably knows, but she always. Rena found money from the app like every three days. And I tried to talk with her like do weekly. But since I don't get paid and she needs to take that money off and to buy something to gas or sometimes it's so tight for me that I need to call him, like, hey boss, I need you to pay me at least $300 because tomorrow I will not have gas to work for you. And of course I do a little bit of drama saying I'm sick, my car needs to do something, cuz that's the only way I can get the money back. Like my money that he's always like on my commission. He's always behind two months.

[A]

But if he's always behind two months. Not Listen. And I'm not. I'm not saying he's okay for that. Not even close. I'm not defending him at all. But if he's always behind for two months and you've been there for four years, aren't you? Technically, if you're always getting what happened two months ago, you're still. You know what's coming.

[B]

I know it's coming. I know. Okay, it's coming. But. So the agreement was every 15 days, which.

[A]

No, no, again, I'm not supporting him, but that if it is consistently two months behind, been there for two years, like, that's not the major issue. It's. It's stupid. And you should probably honestly work for someone else. I'll be honest, it is hard. But you know, what you made two months ago, what is going to hit, like, that's just a budgeting thing at that point.

[B]

I don't know how to do budgeting. So I mean.

[A]

Okay, well, you, neither of you leave the studio until you download the simpler budgeting app. We made it specifically for you. Made it for everyone in the audience. Made it for me. I use it on a weekly basis. You get the premium version for free. You guys get a couple week trial. But make sure you download the simpler budgeting app and I'll give you before you leave a founder's edition of our simpler Money notebook. And I need you to journal your financial journey in there and I'm gonna read it when you come back on the follow up channel.

[B]

Okay, awesome.

[A]

Thank you. I'll send you guys assigned a version. If you are an annual member to Simpler Money Premium, we'll ship it. Right.

[B]

And I also have a degree in Brazil, but because. Okay, because it was a very bad college. They don't exist anymore. So there's not a way I can pull up my certificate or.

[A]

You didn't get your degree before.

[B]

But I, I moved here and I thought I was never going to use it, so I just lost it.

[A]

Honestly, a lot of places you can say you have a degree on your resume and.

[B]

That'S. I kind of nervous because of that, because I.

[A]

No, but you got the degree.

[B]

I do.

[A]

Well, it's not. You're not even lying.

[B]

I do, but yeah, just put it on your. No, no, no, no.

[A]

Just put it on your resume. I don't care. It's. Dude, just put it on your resume that. I'm sorry that the college goes down, but put it on your resume and put your experience on there as well. I need to start getting these documents because we'll be here for a thousand years.

[B]

They won't like ask for it. I. I have.

[A]

Okay, well, don't listen to this. I'm going to shoot them in the face next time they talk.

[B]

I will. I don't know.

[A]

Like, I don't think they know what they're talking about. They'll ask to see it. Like, you have to walk into the office and give them the resume.

[B]

For Microsoft, they like need people who speak Portuguese. It's different in Atlanta.

[A]

Yeah.

[B]

And they ask for it.

[A]

They asked to see the physical degree.

[B]

Yeah. And then maybe they were getting some.

[A]

Red flags in some areas or maybe that's what they do with foreign. Like I don't know.

[B]

A lot of people that I know work there and they're like, look, you need to bring the certificate because they will not hire you.

[A]

Certification. Wait, what's the certification in tech?

[B]

It.

[A]

But it's not a degree. It's. So you get your certified something. Yeah. They might want to see the. The okay, if that, that's different. If it's like a cyber security certification or something. If it's like a of bunch boot camp that is specifically designed for a certain specialty, they might want proof of that specifically because it is. It's different than just going and getting like a BA in fine arts. Right. You're going through a boot camp. Yeah. That might make sense to send proof of record for there. Maybe they also as they do the background checks, maybe those don't automatically pop up like a degree would. So I, I could see that as making sense. Listen, I'll give you a course career certification of your choice. Just go through that. So there's a lot of tech ones on there. So if for some reason yours is a struggle, just go ahead and get one of those. I got to jump into these cars. Okay. So affirm. What. What the are we doing?

[B]

So affirm. There's a lot of furnitures that happened when we. We have to move to a big house when my mom was big house when 2022.

[A]

You a. This is a five three year old affirm.

[B]

I mean most of them. Yeah.

[A]

People get this for like four payments, but we still pay.

[B]

I. I think I'm talking about.

[A]

Dude, I see caffeine army cappuccino ship station. What the are you talking about?

[B]

Oh, I didn't know my wife put that stuff up there. Enough.

[A]

I thought you were just talking to me and you don't even know.

[B]

I thought it was a debit card.

[A]

Oh my gosh. Oh my gosh. Oh my gosh. No, it's all financed car because you guys don't have the money because you spent six 60,000. Even only 10,700 comes in. Oh, okay. Yeah. This is the danger of not talking. This is the danger of not communicating. I don't care if you guys don't always agree or disagree on what the solution is, but we at Least need to know where the money is going. Money is going. We can't agree or disagree about that.

[B]

I found out because this is where.

[A]

The money is going.

[B]

I found out that we split her rent. We are rent. And I didn't know about that. Like, she.

[A]

Why is she. Why? Why? Why? Why are you guys doing things. Well, no, no. Why are you guys doing things to your household financially without talking to each other?

[B]

Well, she told me once because last year we had to bring her parents here to. To get a visit, like, visit and do a vacation.

[A]

Okay.

[B]

And why? Because her. Their visa will expire this year and that. Okay. And they will not be able maybe like, there's a big chance they will not be approved to renovate that one.

[A]

Why?

[B]

I really don't know why, but that's how.

[A]

Well, then I don't believe you.

[B]

Because they've never been here. So they have like a visa for 10 years. And I think if you never use it in 10 years, it will be difficult to prove to them to get approval. Like, well, you've never been there in 10 years.

[A]

Well, that's an actual answer.

[B]

So we agree. Saying, like, look, we're going. And that's where we have a little bit of fight. But in the end, I agree and it's our fault. My fault as well.

[A]

Wait, but did you guys pay to bring them? Yeah, we have to put a certification. Why are you bringing.

[B]

They don't have money. Like, they.

[A]

You don't have money.

[B]

But we could pay for the. For the vacation.

[A]

I saw an insane number, and it's nothing. It's nothing beneficial. Yeah. $60,000 of bad debt. You have negative money. You don't just not have money. You have negative money. So I don't know what the.

[B]

We're talking about to pay everything before.

[A]

You put it on credit.

[B]

We probably did cash flow and affirm sometimes maybe to.

[A]

Okay.

[B]

But most of the time. But when they got here, the thing was more than 80% was paid. So I told her, like, look, if you really want to bring them, we need to work a lot. I need you to do extra hours and everything so we can bring them. And that's the only way.

[A]

And let me guess, she didn't.

[B]

She did. No, she did.

[A]

Okay.

[B]

She. She was like working a lot and she bring a good money. But. And then after they came, we. She just. We just came back to the same thing. And it was a lot. It was very expensive. And I feel bad because we took them also in Atlanta so they can. They know where we live and Everything. And my. I bring my mom, but her. My mom paid for her stuff.

[A]

Wow, an adult.

[B]

But when it comes to food, my wife was feeling bad because we were paying for her parents and she looked.

[A]

What the. Okay, cool. Awesome. Yeah, she's getting caffeine army cappuccino on this right now.

[B]

That's good. That's helped me so much with my.

[A]

Yeah, you're affirming it and paying interest.

[B]

I didn't know about that.

[A]

I thought, well, guess why you are. Because you guys don't talk. Because when I talk. No, no, no, no, no, no, no, no, no, no. It's not even about not talking. It's that you guys just go do things. You just do things without the other person even know when I tell her.

[B]

Like, look, buy this and. Yeah. And what the. It's just very. It was about the vacation. Was everything very expensive. And I didn't.

[A]

How much.

[B]

How much did you guys spend just to fly for 5,000. The round trip because around 14, 16. Because we had to buy Magic and Kingdom, like four tickets. The Animal Kingdom, four tickets as well. And then the extra stuff, Airbnb, the car rental and food. And then we had to pay also for the tickets to go to. In Atlanta and then we had to pay the tickets to go to Orlando again so they can get the flight and go back. It was separate. And because we live in an apartment, one bedroom, we had to rent. We had to get a hotel for them and we had to pay for that. But it was not like that with the first agreement. The agreement was them pay for the. Their hotel and people. They spend everything home.

[A]

Why would you allow it?

[B]

I don't. I didn't know about that. But when I came.

[A]

But then you supported it by you spending your own money.

[B]

I'm gonna make them go back. Like, I can't.

[A]

Adults. You're adults. You can have a conversation, can't you?

[B]

But they like.

[A]

Well, you can't even have a conversation with your wife. So I know you like free things and I'm giving some things away for free right now. And let me show you. Get it first. I'm giving you a limited edition financial audit tumbler plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries. You'll still get access to that 30 day simpler budget trial and act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back, and finally take control of your financial future. Or don't. And you can end up right here.

[B]

They're going to say, well, I don't have money for food. I'm going to just eat in front of them. Like, oh my God, this is so good. And you cannot.

[A]

Oh. When you spend $14,000 and you have no money and. Yep, yep, yep, yep.

[B]

I was surprised that we were able to pay for that. I'm very surprised. And then I talk after with my wife, like, if we could do that money, why we are not doing to pay our stuff.

[A]

Yeah, that's what the. I'm saying you 600 on a firm with a 26.52 minimum payment, which is stupid. Which means is accruing at least I.

[B]

Think it's is Fiji. There's a lot of feel now. Or I don't.

[A]

Yeah. Oh, for sake. Here's. Here's. Okay, this is a different affirm loan. Okay. So I have a feeling we're about to go through a few affirms here. Here's another affirm. 318.89. This is for solid wood detail.

[B]

What it's like a furniture maybe?

[A]

I don't know.

[B]

It might be furniture because I know we bought like two furnitures on. On our new apartment and it might be that I didn't know how the price was when I saw it and like, oh, this was expensive. We're still paying new apartment.

[A]

The big house or after the big?

[B]

After the big house. Right.

[A]

So every time we move every second of our lives and we have to refresh our entire entire furniture package of the house.

[B]

Yes. Yeah. Not. Not everything, but like, like some spots that you're like, oh, something right here can go. Something right there can go. And we just buy it because it's going to be looking good. And there's a part right now and I, I told her we're not going to move for at least five years now.

[A]

Yeah.

[B]

But. Yes.

[A]

Why are you moving?

[B]

No ish.

[A]

I don't know yet what is no ish.

[B]

Because my mom today lived with my sister and cool. October. My sister is going to New York, proud of her. And then my mom's gonna be alone and then.

[A]

Is your mom incapable of anything?

[B]

Well, she has heart problem, guys. She had to go to surgery. And so she.

[A]

Is she a citizen?

[B]

She had a green card. She will be a citizen in a couple years.

[A]

I mean, she'll receive some kind of disability, right?

[B]

Because of her? No.

[A]

Well, she can't work because of her heart.

[B]

No, no, she does work, but she's very problem living alone. Like, I'm scared that she can't, you know, do something and just die or something like that.

[A]

Okay. How bad is it?

[B]

It is kind of bad. It's not as bad now because she did the surgery and before we. We lived together, but it didn't work at all. Like, I think my mom have kind of jealous. Like. I don't say if it's jealousy. It's not jealousy. She. It's weird for my mom knowing that I'm married because I always been her baby. Does that make sense? So she was kind of competed with my wife, like who gave me more attention. And after not getting attention to her or my wife.

[A]

They both don't live with her then she sounds like a brat.

[B]

Well, that's what I'm doing now. Like. And I'm saying that I cannot live with you. And I know right now I cannot afford to help her, but I. I told her that I could.

[A]

What's her job? Why did you tell her you could?

[B]

Because I don't want her to live with me. They. They. My wife and my mom don't. They don't get along at all.

[A]

Yeah, sounds like. It sounds like they're both kind of.

[B]

I don't know why.

[A]

Because they're both. Sounds like.

[B]

Sounds like my mom. She. Well, we have cameras at home, so we. We caught her talking about my wife though. So that's what she say. Well, when she. Well, let's say if she's tired one day and she doesn't do food, my wife just stay. Stay sleeping or something like that.

[A]

She's.

[B]

Tell my sister that doesn't have any respect for me. Just go in my house and do whatever she wants and talk about me and my wife saying like, oh yeah, when she's tired, she doesn't do food for us. That kind of stuff. And I got very mad because my wife is. It's not her job. My mom was the one not working back then, so my mom can easily do the food together.

[A]

I mean, it's just. It's just not a. So we have a couple weeks.

[B]

Weeks ago. And I told him, like, look, I can't. I don't want you. Like, you know how the hell we've been through living together. And I bet you don't want to do that again. And then my wife also doesn't want to live with her. But I. She said, like, if we live, it has to be like, the same conditions. The last time we had to move in a bigger house. I'm like, no, stop moving.

[A]

Listen, listen.

[B]

It was supposed to be like, my.

[A]

Sister, you are paying off furniture from two places ago, and your current place go off.

[B]

You're not moving my sister's fault because.

[A]

Okay, so she had a house back. You can't take responsibility for.

[B]

I can. I can. But it was.

[A]

You could have used furniture. You did not need to do what you did, man.

[B]

You know, it makes my wife happy. Makes me happy to see in the house looking nice and.

[A]

Yeah, feels real nice when we have all these minutes, monthly payments, and we can't afford to survive and we're paying 6. What's your retirement at?

[B]

Nothing.

[A]

You?

[B]

Nothing.

[A]

That happiness doesn't really exist.

[B]

Yeah. Yeah. After watching the show that I kind of figure out that I need to do something and realize, well, what have you done then?

[A]

What do you mean, what have you done? After watching the show, I realized.

[B]

I tried to talk with my wife about, like, doing a budget or something.

[A]

If you guys aren't compatible, if you can't even have a conversation, she's just very.

[B]

She doesn't face too much stuff. And she always walked away like, yeah.

[A]

Maybe you guys aren't compatible, or maybe she can't be the one that's even looking at finances. Maybe you just have to control and she just has to accept it.

[B]

I was like, when we got married, I was the one was controlling.

[A]

And what happened?

[B]

And then I got this job, and then I'm like, look, I don't. I don't have time to look. If I'm paying for this.

[A]

All you have to do is use that. Literally. A budgeting app. Again, not the plug, but my goodness, it's like, it's the easiest thing in the world. It's the easiest thing in the world. You just connect it to your account and you don't have to budget. It's there. Review it on a monthly basis so you know how to adjust for the next month. But it literally just tells you.

[B]

And I mean, when you have credit card, man, it's just nice to spit everything. Like. Like, oh, and because in Brazil, we don't. We have credit cards, but it's different. We don't have credit.

[A]

Then you're obviously not a credit card person. Like, listen, if it's all of a Sudden. Oh, I got all the credit. Whatever you said then you can't use credit cards. You're not. You're not mature enough to have access to a credit line. You're not.

[B]

I think I'm. Today if I'm starting for zero.

[A]

16,000 made 10. You. Yeah, that's incorrect. It's incorrect. And even if you have it, then she'll use it. Even if you're being the responsible one, then she won't be. At least from what I'm hearing in this conversation.

[B]

It was a lot not putting my saying no. I was always like, yes, yes, we can do this.

[A]

Do you have a better beard than me?

[B]

Testosterone. Interesting to use that little. You know, that little. It's like a roller with some. No thing. That helped me a lot.

[A]

Are you talking about.

[B]

It's like a little roll that you pass on your. Your face and open your.

[A]

And it worked. It worked or did the testosterone work?

[B]

No, no, it worked. I have like just a little bit like right here. A little bit right here and just right here. So I started to using that like for six months and everything just grow. And I'm only have three years in tentosterone, so it's pretty good. Yeah, you have like. You need some stuff right here.

[A]

Yeah, I got some patches. Okay. I got some patches.

[B]

It'll be nice.

[A]

Karna, you owe $289.06 with 79.71 cents on a monthly basis.

[B]

And I didn't know my wife used.

[A]

To wayfair in Walmart. Oh, another. Another. I didn't know my wife. So three times in a row I don't know my wife. Okay. Yeah. This because this marriage is going so well.

[B]

Lazy put to go to the market and she cuts to work there all the time. She's like, well, if you're not going with me, let's just do a pickup. But I thought that the pickup was always on debit. And I really, really started looking everything again since November last year. So I didn't have too much idea because I didn't have time. Like sometimes I go to work at 7am and I'm coming back 1am a.m. and I have to be. Yeah, I have to be up again the next day.

[A]

Well, she can't be lazy if she's taking all this time off during the day. She needs to go to the grocery store. Charity picks up groceries for other people.

[B]

She can say to her, like, why you're already there. Why you don't do it. She's like, well, you're not here. With me and you know, blah, blah, blah. And what?

[A]

Make a list or adults. Yeah, what does it matter if you're there?

[B]

We tried to do list but she want me to be there as well.

[A]

Oh my gosh. What is she incapable of surviving?

[B]

But she just like had to me around and when I'm around I know that likes to.

[A]

And that's fine. That's fun. You still got to do the basics.

[B]

Yeah.

[A]

When we don't get what we like that.

[B]

But I don't like to go because I kind of. I always say, oh yeah, how are.

[A]

You guys surviving together?

[B]

Just take like the ex more expensive because it's going to be better. Or let's take of two of those because then you don't have to come do a lot of trips and everything. So I tried, you know, like sometimes she like want me to go. Sometimes she just took the pickup and that's it. And yeah, I always ask like hey, if the pickup like has some the grocery more expensive. They make more. It's like no, just if you deliver I'm picking up. So it's not that expensive.

[A]

Okay, well I don't know how to fix that. It's not. I'm not talking to her. I'm talking to you.

[B]

And that's the other thing. I wish she was here because she will.

[A]

Well, why is she shine?

[B]

She's very shy. Like she's very, very shy. Like she. I don't have any pictures with her at Almost. Almost. I don't have any pictures of my wife.

[A]

It's a little weird. Okay, this is another Clara. Wait, am I just. What am I looking at? Okay, this is endless. You had lighting Lane. This is another. This is a new Walmart one.

[B]

Right?

[A]

I don't know. It's not that you tell me.

[B]

I think like the, the thing that you don't have to be on the on the line and then you just jump because our parents are like plus 60 so they will not be too much waiting on PayPal but I can't.

[A]

Even see what's like owed on it. What's owed on PayPal? See lots of purchases on PayPal, Nintendo, Hulu, Best Buy. Like what. What's owed?

[B]

I don't know.

[A]

Or is this. Is this a PayPal like checking account? Do you own money? How do you. Buddy, I cannot help you if you can't tell me.

[B]

But the thing is I just know.

[A]

About PayPal paying for. I don't know what you currently when.

[B]

I applied to the show I had to get my. My wife phone when she was sleeping to pick everything, like to get all her stuff.

[A]

Because why? Because she wouldn't.

[B]

Because she won't do it. Like, she was just life. She is.

[A]

So what the. Why? Why is she not willing to change?

[B]

She is willing to change, but I think she expect me to do it.

[A]

Like, that's impossible. If you don't even know what her spending is, you can't fix that. That doesn't make sense. You had three. We had three accounts in a row where it's like. Yeah, that secret. My wife.

[B]

She'S not like doing behind my back. I just thought that she was doing on the debit card. Like, she tell me, like, I'm still.

[A]

That is behind your back.

[B]

I don't think so. That's behind my back. But she's still saying I'm buying this and that, but I just thought it was be debit. Okay, but. And that's one. One of the things that I'm very like. You say we're not competitive, but we are very compatible. Like, we are, but.

[A]

Wife. Mom.

[B]

Yeah. She sent money for her parents in Brazil.

[A]

Special bonus document.

[B]

That's a.

[A]

What is this?

[B]

She sent money to her parents in Brazil.

[A]

What? But this is. What? That doesn't make any sense. You guys are. You don't have money.

[B]

Yeah, but they need help sometimes.

[A]

No, no, no, no, no.

[B]

I saw that.

[A]

They need help sometimes. I get that. But you, you help. Oh, my gosh. Like, I don't know what to do because.

[B]

And I'm very.

[A]

Stop. I don't need to hear things.

[B]

You need to hear this.

[A]

Stop.

[B]

You need to hear this.

[A]

Oh, my.

[B]

Really need to hear this.

[A]

Fine. Tell me this critical information.

[B]

So her parents.

[A]

Just trying to think for a second, but okay.

[B]

Her parents live with her older brother. He's 34. He do a very good money, but he doesn't help at all.

[A]

Okay, then your mom. Then you're. Your wife needs to stop.

[B]

That's what I told her.

[A]

Okay, well, again, what the am I doing here? Because I'm talking to you.

[B]

Yeah.

[A]

What do you want me to do?

[B]

I, I want you to, you know, I don't want you to agree with me saying that she needs another job or something like that.

[A]

She needs to stop spending this, sending it like it's hundreds of months month.

[B]

And I didn't know. I, I, I just.

[A]

You didn't know about this either?

[B]

No, that's the app. That's a different app that you have to spend.

[A]

Well, she was hiding this.

[B]

She, she was never hiding. She's like, oh, I'm gonna tell you.

[A]

Yes, but the dollar amount, no. Then it's hiding.

[B]

I just thought it would be a hundred dollars per month. But no, when I got her phone secretly, and I had to go through all of that because I went to her conversation with her mom just to see the screenshot that she sent. Like, hey, mom, I send this, I send that, and then I find out what kind of app that she was using.

[A]

What do you want me to do? You guys always ask me, caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon this social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. Then to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now. Now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, Right now you can actually see what my portfolio looks like today.

[B]

Cheap. I need your help to go through all of this. I need your help to make a budget and to pay all of that. And put my. And of course, when I do that, I will feel my life will get more together. You know, that's what I need. I really need her to understand that we are not in a good position right now like we were in the past. And I think the only thing is right now is she's kind of see that we are not going too well, but she expect too much on my back. I feel I have a lot of pressure on my back.

[A]

Do you want me to hold? Is this event sesh? Like, okay, cool. Talk to her, dude. Like, I don't know.

[B]

We try.

[A]

Then you guys aren't compatible. Leave.

[B]

No.

[A]

Then what do you work? What is.

[B]

Because what after here, maybe you know, this is the budget we have to do. So we had to work like this. Or maybe if you get another job or if you work on your resume and I get another job. But I told her I cannot get another job because even if I get paid late, I still get that amount of money. But we just had to work around that. But she does like maybe last year 30,000. And then that's the only thing that I know. And then I put it like. I do the math.

[A]

Yes, the math adds up. That's what you guys made last month. I don't know, dude. Delta Sky Miles gold card. I mean this is an insane balance. This is the thick balance so far. $3,898.02.

[B]

Yeah, that's mine. Yeah, there's.

[A]

Okay, so maybe it's not all your.

[B]

Wifey little tit, but it's us together. It's not her.

[A]

Well, do you just.

[B]

It's her to be not changing jobs and understanding my side and maybe help me. But it's not, you know, her fault. Not. I cannot spend $3,000 by myself. I think it's both of us.

[A]

You.

[B]

Huh?

[A]

You don't think you can spend $3,000 by myself?

[B]

With what?

[A]

Like. Like there's a lot of feed there. Go get a nice TV. Like this is. You could spend 3,000 like this if you want to. It's. What the are you talking about?

[B]

Yeah, now you're saying tv. It makes sense. Cuz I do get a. I got a big tv.

[A]

Well, there you.

[B]

Yeah, like. Like I said I once. I never ever ever have.

[A]

Hey, how long does this take to pay off minimum monthly payments? Only without purchasing on it.

[B]

3.

[A]

Which by the way you're basically credit limit. So I know you're incapable of.

[B]

Three, four years.

[A]

Three, four years? Yeah. 14. Yeah, 14 years. Yeah, 14 years and no more retirement. No more. No compound growth. No anything. Yeah, three years. No, 14. 14. You are a fast mover. Please have a seat right there.

[B]

That's a lot.

[A]

Yeah, it's a lot. You're gonna be in your mid-40s. Yeah, I'd say it's a lot of feed.

[B]

Theirs as well. Because when we were putting the cash together to bring her parents here, we had to stop need what? I stopped paying the credit card.

[A]

Well then obviously you couldn't affecting Ford to do that. Dude, it is as simple as that. I'm sorry. Listen, I understand why you did it. It is something I would have tried to make work. You couldn't. That is that.

[B]

But they will not.

[A]

You couldn't Pay your bills. You can't do that.

[B]

But she.

[A]

Oh my gosh. But you.

[B]

But yeah, but I mean.

[A]

Oh my God.

[B]

We were like, look, we have to work more.

[A]

We have to do this. I'm starting to get.

[B]

And then my boss starting to give me day offs because he was, he was like kind of knowing that he would not be able to pay me the full day and everything. So that really?

[A]

Really you need a new job. Yes. Okay, congratulations. We've learned this. $103 and 74 cents of interest accrued in one month alone. So you're going to lose 1,200 bucks on that in one year. It's at 30% interest.

[B]

Like $1,200.

[A]

Yeah.

[B]

In fees.

[A]

Not. Well, interest interest specifically.

[B]

That is a fee. Right?

[A]

The way you think about fees. Yes, the way you've used the word fee. Sure, but a literal fee. No, but.

[B]

And then on top of that, do.

[A]

You have morphe if you don't pay on time? So if you bring them again and you decide not to pay, then yes.

[B]

I'm not doing that.

[A]

Okay, $1,111,13 on this and $0.07 blue cash everyday card. What's up with this card?

[B]

Well, that one is I had to pay like tires and.

[A]

Because you didn't have an emergency fund. Because we haven't been responsible once their money. Because also, by the way, you. You've purchased $30 on here this last month. I mean, you're still purchasing. You're purchasing plus interest accruing. Your balance went up. Your balance went up. Oh, we're over the credit limit. Yeah, yeah. It's all her fault, right? All her fault. Yeah, yeah, yeah, yeah.

[B]

But this is what happens when someone.

[A]

Brings something, someone on the show and they're not able to. Like you didn't. You guys didn't come on together. You came on and you're just like, oh, I'm the good one. I'm the good one. It's all her. It's all her. It's all her. No, you look at this. You're above a credit limit.

[B]

But it's us together. Yeah.

[A]

Don't. What do you mean? Well, let's find out.

[B]

It's us together. So.

[A]

Okay, what this cash app.

[B]

Cash app?

[A]

That's what it says. It was cash at 30.90.

[B]

Probably to pay something. I don't remember.

[A]

Probably to pay something. I would think so.

[B]

My paste. Does it say how much your cash?

[A]

$30.90.

[B]

I was about to say if it's a tip for someone, but that's too much for a tip. Maybe so.

[A]

Depends on what it is or how.

[B]

It might be tip. Because the only thing that we use Vimo or cash app is for tips. And I.

[A]

And you do it.

[B]

I remember someone was needed gas on the gas station and they asked me for.

[A]

So you go above the credit limit. They asked you. So you did it. It wasn't you. Both. It was you. You did this. You. It is you too.

[B]

Yeah, it's both. I'm not saying both.

[A]

Sure, but you've only put everything so far on her. This one, this one being over the credit limit is you. I just know. This one on this credit limit is you. You. This one, this one.

[B]

$32. Yeah. Was me.

[A]

Yes. The above credit limit credit card is you.

[B]

Okay, but.

[A]

Oh my. Oh, my goodness. Oh, my. What do you want to punch the beard right off your face? What are you talking about?

[B]

I do understand that 32 cash app, whatever. Okay. Was over the limit, but we had to use it because I didn't have money to fix my car to go back to work.

[A]

You. You didn't have to send money to someone for their own gas.

[B]

I felt bad.

[A]

Yeah, but you didn't have to.

[B]

But I felt bad about family.

[A]

Congratulations. Yes. A little empathy. I love it. We all love it. It puts you above a credit card limit. You will never have a chance to retire. You'll never have a chance to be successful in this country. You will never have that chance if you keep putting that over. Listen, Help everyone. Help everyone. But the best way to hate. No, don't open your mouth. I don't want to hear it. The best way to help others is for you to be in a financially sound place because then you're able to help others forever instead of barely being able to help people.

[B]

Now I get it.

[A]

And do you?

[B]

I do get it. I. Of course.

[A]

Don't you do that?

[B]

Because I think. Because the way I was raised, we didn't have money. I was sleeping on the floor and whatever, blah, blah, blah, all of that. In Brazil, we don't have money for anything. So when I see a family that needs gas to go home or.

[A]

Yes, there's your heart. Congratulations.

[B]

I'm not against the heart. I mean, I guess dumbassery, but even I, I, I can't say no even if I put it on the credit card and then just see if that's you. How about that?

[A]

How about that? But that's a good butt. But you water. Rebuttal. You just can't afford it. You're above A credit card level limit on there. I love the empathy. We give, we give, we give, we give, we give. But the best way to do that is be by being in a financially sound place. So you're able to give forever instead of just putting yourself up the credit limit. Now you can't anymore. You prepare yourself, you live a bit. Dude, you're ruining it. You're ruining it. You're ruining it. You want to get rid of the tits. Good luck. You. I don't know how you could afford that. You're over the credit limit. It. I'm just. You're just it. 35, 000 hours is how we started this conversation. Wanting 35 000.

[B]

35 what?

[A]

For the eggs and for the boobas.

[B]

Eggs. Oh, oh, okay. Yeah, yeah. That's what I need. I want to say eggs I didn't like over or something like that. Yep, yep. That's what I really might go in the next two years maybe.

[A]

Yeah. Well, you're not meeting. They're not even close. You'll never get there. You'll never get there. You'll never get there. That's.

[B]

I'm here just like can get there.

[A]

That's why I'm there. Oh, that's why you're here? Yeah. There's a catchphrase. $883.32 with a $23 minimum monthly payment on this. Another blue cash. We have two blue caches.

[B]

One is mine, one is hers. So.

[A]

Congratulations, you're the one over the credit limit. She's your minimum payment. Oh. Is141.68. Didn't write it down. And she didn't purchase. She didn't purchase because you did or you did. You did. You.

[B]

Well, there's not a way to see if it's mine or hers. Maybe that one is mine and that one. The other one is hers. And I'm just confused.

[A]

You don't know who the has what balances?

[B]

No.

[A]

Oh, good. Yeah. The one who's going to be financially responsibly running the house.

[B]

I was 20, 21, 22 maybe.

[A]

Maybe bring that back.

[B]

That was very good over that, to be honest.

[A]

Yeah. Use the same skills. Did you lose them or have you become like, what. What's happened?

[B]

It's just because I think what I put in my head, I'm like, oh, I'm doing so much money right now. I can do this, I can do that. I can pay for this, I can pay for that.

[A]

And.

[B]

And all those credit cards was coming on the mail. I'm like, oh, yeah, my credit is good. And let's do this and that. And soon, when she got her papers, she applied for credit cards, and then, you know, everything just went for their vacations. Like, oh, yeah, we're gonna do a vacation. Let's do a new credit card and put it. Everything there. Like 20, 23. We went to Orlando, and that's where I have.

[A]

Is this a different trip?

[B]

Yeah.

[A]

And the one we talk.

[B]

Yeah. Disney, Orlando, Universal. Yeah.

[A]

How much did that cost, that trip?

[B]

I have no idea. I just put everything on a credit card. I was supposed to be less, but when I got home and I saw the credit card, I'm like, oh, because we had to rent car and then hotels and the tickets and then this.

[A]

I don't know how you guys have made it this far. I'm well done making it this far. Interest is accruing on this like crazy, of course, and blah, blah, blah.

[B]

It's.

[A]

It's all I got to continue. There's so much paperwork here. What? I heard you. Open your mouth. What?

[B]

No, I. I was just saying that a lot of. A lot of credit cards there. It's my little treat that I like to eat chocolate. I'm a big chocolate eater. Yeah.

[A]

Like, we have 60,000 hours.

[B]

It's not chocolate, but at least. At least, if. I don't know. Know the math on top of my head, but I am person that I need at least 6 or 7, 10 bars of Hershey's per day.

[A]

What?

[B]

Yeah. I will wake up three in the morning, go to the gashing and. And buy three bars of Hershey's. Yeah.

[A]

What is this? My strange addiction? What. What show am I on right now? Are you talking about? Why Hershey's out of all chocolate? It's like the worst.

[B]

It's not. It's the best one.

[A]

What?

[B]

Yeah, it's the best.

[A]

It is objectively the worst.

[B]

Worst.

[A]

We had, like, a blind chocolate taste test in our. In our membership. Yeah. It was the worst.

[B]

And then that one. People pick up that one. The worst.

[A]

Yeah, because it's the worst.

[B]

What was the best one?

[A]

I don't remember. But not Hershey's.

[B]

Nah, the horses.

[A]

There were two. I think there were. There were three that were better than Hershey's. Hershey's is not good.

[B]

I. I like them.

[A]

Hershey's are not good.

[B]

Yep. The King size. They're better. And I have a little thing because it's more.

[A]

Sure.

[B]

You know, one thing I explained to my wife, and she thinks I'm crazy because it Hershey's is only bad if they are about to expire the next seven months. It is crazy.

[A]

What the.

[B]

So, okay, look, when that explains.

[A]

I'm assuming they got this for you, but you probably don't need it. I obviously don't need it either, but.

[B]

If you look at the expiry date, it will not melt on your mouth.

[A]

If it about probably barely even chocolate.

[B]

I'm being for real. You have to buy the Hershey's that is about to expire in one year. Like, I go, dude, this is chocolate.

[A]

Because you probably look at me. I eat everything.

[B]

Look. Look where it expired. If it's not saying that, like 2026, it's bad. I. I hopped to gas station to gas station to find the new ones.

[A]

Dude, you're weird. I mean, it has. That's a lot of ingredients for just chocolate.

[B]

I never see that. So I like.

[A]

This is not that good as far as chocolate goes now since it's the only thing in front of me.

[B]

But again, when it's going inspired when.

[A]

Just see it open.

[B]

Probably have to.

[A]

I'm looking. You don't shut up.

[B]

You're not looking. Right.

[A]

Okay. Where would I find it? Hershey's expert.

[B]

Yeah. Yeah, Right there. Yep. Open. Trying to see if that guy's kind of blackish.

[A]

He does know where it is. Okay. 2026 to 2026.

[B]

No, that's a good one.

[A]

And it still tastes like.

[B]

No, it doesn't. I bet that doesn't open your mouth.

[A]

Almost it touched your tongue.

[B]

Thank you.

[A]

Capital one.

[B]

This is a good one. Oh, it's melting in my mouth.

[A]

It's chocolate. Chocolate melts in.

[B]

No.

[A]

What? What? I think it would be bad if it doesn't.

[B]

If you buy Tic Tac. Tic Tac. Tic Tac.

[A]

Tic tac. Tic Tac's not chocolate.

[B]

It kind of is. It's not good, though.

[A]

It's not kind of chocolate.

[B]

It doesn't melt.

[A]

It's not chocolate. And yes, it does.

[B]

No, it doesn't.

[A]

Wait, why the Are we comparing Hershey's to Tic Tacs Kit Kat? Yeah, well, there's bread in it.

[B]

Nah, that's why it's bad. But Reese's is my second one, so. But I also had to buy always. It's gonna expire the next year.

[A]

Yeah, Reese's is good. I love. Yes, I called wafers bread. Okay. Okay. Capital one. So as many of you know, I've been a big supporter, of course. Careers for a long time. I'm not just a Partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date self paced courses, one on one or group coaching from people that work in the industry. And most importantly, they help you actually get hired. Just look at graduates like Nemeso who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets coursecareers apart is that it's not just about learning skills, it's about landing a job. Their curriculum is designed based on what employers actually need and their network of industry coaches will guide you through the entire process from learning the skills to interviewing, resume help and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give coursecareers a try. Start with their free intro course linked in the description to to explore your options. And when you're ready, use the link in the description for 50 off the full course. Your future starts right now and Course Careers is here to help you shape it. $804.41 with a 30 minimum monthly payment. What's going on with this?

[B]

How. What is the balance on that one?

[A]

Oh my. Just said it. 804. 804.41.

[B]

That's probably hers.

[A]

So okay, so what's going. Do you not know then?

[B]

Because I mean, I don't really. I. I always thought that she was paying her credit card at least the minimum payment. And she is. She loves Amazon. She loves Amazon. So when I was living with my mom, I was seeing everyday package like stuck and stuck and like building, building everything. Sorry, building, building like in front of my house. I'm like hey why do you need this? Why do you need that? Why are you buying this? Why you buying that? For an example, she loves sweaters. And to. To go Georgia.

[A]

Okay.

[B]

She likes it especially when it's, you know, kind of chilly and everything. But it does get chilly in Georgia.

[A]

Can I ask a question?

[B]

Yeah.

[A]

She fat?

[B]

No.

[A]

Okay. Us fat people like sweaters. It makes us look better.

[B]

But she's shoe. You think it's hot in here right now? I'm cold.

[A]

No, Austin.

[B]

Oh, okay. It was cold last night. Just in general, but so she does a lot of, like, small purchase on very cheap stuff that can break, and then she would still buy it. Like sweaters. She likes to buy it, like the cheaper ones to go to work. But she was buying every other week because when you go and wash them, they kind of like go small because they are very bad. And I'm like, look. And instead of you paying like 15, 17 for three or four every two or three weeks, just go and buy like a. A new. Like a good one, a good brand. And then I will not shrink when you're.

[A]

This is not my biggest concern. I mean, we'll see. There were no purchases on there. Your capital one, Mike, right? Platinum.

[B]

Yep, Might be.

[A]

Okay, well, she learned how to send a statement. You learned how to send a screenshot.

[B]

Oh, no, it's hers. Okay. So my statement. It's mine and hers is Screenshot.

[A]

What's the minimum to payment? 88 bucks. Okay.

[B]

And that's what. I screenshot it because I didn't know too much how to.

[A]

$578.28 owed.

[B]

Everything there was.

[A]

This is thick.

[B]

What?

[A]

This apple.

[B]

Oh, yeah. That's the worst. They are the worst one. They have the worst interest.

[A]

Well, maybe don't do it. You did it, dude. Listen, you're not a credit card person.

[B]

I mean, I just thought it was nice. So the. The apple mind side. Apple was. And this was when my dad passed away. So I had to run to Brazil.

[A]

And put it on an Apple card.

[B]

I didn't have money savings.

[A]

Okay. $53 minimum payment. Listen, when.

[B]

When, when. So this.

[A]

20 years to pay off stuff.

[B]

Oh. So yeah, that was 2020 when my. My dad passed away. And after our spouse has been that.

[A]

High for four years.

[B]

It's more. More fee that there's more.

[A]

Yeah. Interest. But it's still. If you're making your minimum payment, it still goes down.

[B]

But I stopped doing that.

[A]

You stopped making your payment because I.

[B]

Need to save money for a vacation.

[A]

That's not how this works. Dick, that's not how this works.

[B]

That's the only thing I have, you know like that's the only thing I told my wife like look, look, this year is going to be this after we bring your dad, we have to your mom.

[A]

No, that's not how this is how this works, guys.

[B]

So we stopped sending money to him. But it's always like oh no you haven't.

[A]

I've just seen. I just went through a statement, remember couple statements ago this the secret little statement that Jake brought out. Remember that no money has not been stopped being sent.

[B]

I thought it was because you guys are great. She also pay her mom credit card.

[A]

And I think not even paying your own barely.

[B]

I think people in Brazil think because we live here and then they think we have a lot of money, but that is not.

[A]

Americans do have a lot of money, but we have a lot of spending. But that spending part is a choice. Cost of living is higher, that's less of a choice. But still we do have more margin here. We still do have more margin here. Listen, you can break down most of the top countries. You break down Germany, you break down Canada, you break down the United Kingdom, you break down France, you break down the United States. They have a lot of things right. They have a lot of things that a little higher taxes but they don't have to take care of health care or health insurance. They don't have to take care of all this stuff. So you think okay maybe Americans have a lot of money but it has to go towards all this stuff. So if you break it down on a mathical median percentage wise we still have more money left over after all expense, even after all taxes, after all expenses. Then everyone not. Well, there's obviously some smaller countries that have crazy incomes but we have more money left over than our competitor countries. So we are known for having more money. And they are correct in that we have more money net leftover. But you chose to go to Universal and spend. You don't even know how much money money you've chosen to around. You guys chose to stack Amazon boxes to the rooftop. That was your choice. Are they entitled to your money? No. But you chose to blow all the money.

[B]

I did feel good at time. No, that did feel good.

[A]

So just like your 3am candy bar like yes. No. Why don't you just buy in bulk instead of going at 3am the that's so weird because.

[B]

And then I eat more.

[A]

Oh my God.

[B]

Because.

[A]

So you have no self control ball chocolate.

[B]

No, I don't.

[A]

I really don't love the chocolate. Okay.

[B]

It's not shitty.

[A]

It is.

[B]

I mean if I do Brazilian chocolate, it's way more bad. Like do it at home. But.

[A]

But we have endless chocolate here, man. You can get European chocolate here. And it's great.

[B]

It might be more expensive too.

[A]

Yeah, it might be, but at least it's not. You're gonna still spend. Knowing you, I love. They want me to give you another piece, but you don't deserve it.

[B]

I do.

[A]

You've not been good.

[B]

I've been a good boy. Yeah. I've been there.

[A]

Okay. Yeah, let's not say that. Let's not say that. Okay. Truest. What's up with this one?

[B]

Is that a credit card or.

[A]

That's a credit card because we have.

[B]

Our bank so our bank is tourists as well. So I don't know.

[A]

Okay.

[B]

So that is mine. Okay.

[A]

Well you only 145. I don't know why the we're not paying that off. With your strong income, it must pay off. You only make your minimum payment 20 minimum payment. It might be interest charge $3.73. What is up with this? Why is it not just paid off?

[B]

I put auto paid so just to pay minimum and sure but why not.

[A]

Just pay it off? You make the money. I've seen that much in spending so far. Minimum because. And I know we have yet to get to the spending because. Oh I.

[B]

Because I always think if I do paid it off everything I will need the extra money to pay one of our actually bills like the bills that we have to have to live is your rent 17.

[A]

Okay. So you have plenty left over and then. So you what bills.

[B]

I'm just afraid not to get paid or she's not doing that much because.

[A]

If it rains stuff money assigned because if you're gonna stay there, you know to have a chunky emergency fund. You've been there for four years. Maybe you be an adult. My gosh.

[B]

We never talk about that. And that's bad. We don't even have to and the. The bad. The bad things of being a family of Brazilian that they do kids to take care of them. And right now it's.

[A]

It's stupid.

[B]

It is. We. We realized that cuz my mom.

[A]

So I don't give a Congratulations you're here.

[B]

Yeah.

[A]

You don't have to to you, huh?

[B]

Not right now, but before we like. Because when my dad passed away my. I was 100 helping my mom in Brazil. 100 because she. My pat and I would do the same thing.

[A]

It's the Entitlement to it that I don't like.

[B]

But she's just working right now after 20 years because my dad was a type of guy that, oh, yeah, woman doesn't work and all of that. I'm the man and blah, blah, blah. But my dad was not a great guy with money as well. Very, very bad decisions that made us going to sleeping on the floor and my mom making me go bed hungry when I bed early.

[A]

I get it. I asked you why you haven't paid $143. I don't know. We ended up with sleeping on the floor for the fourth time. Like, I get it. That's sad. I do empathize with that. Why the haven't you. Why not prevent having to sleep on the floor again? How about we do that?

[B]

Okay, so when I thought, and this is kind of dumb right now. It's dumb after, you know, being here or watching your show, I thought when you make the minimum payment, there's no fee on that or interest in fee. I thought if you hunt. Because in Brazil it's like that. And I know this is not Brazil.

[A]

You've been here for a long time.

[B]

Yeah, but I always pay my stuff off. But I'm like, okay, let me just put it on before marriage. Before.

[A]

You've been married for five years?

[B]

Yeah, I've been here for 10.

[A]

So this excuse holds no weight.

[B]

And I only had a credit card the first time because. Okay, my sister told me it was a good idea. Credit one.

[A]

I mean, you just blow past what I say. Irs. Yeah, here it is. Yeah, we saw this coming.

[B]

That's that.

[A]

And I'm 13 $290 and 68 cents.

[B]

Last. Last week we just saw that if we own X amount of ar, my wife can not be a citizen. Maybe.

[A]

Well, yeah.

[B]

Yeah.

[A]

Honestly, fair.

[B]

Yeah, of course. But taxes, I'm paying monthly. I'm paying them.

[A]

You're paying your past taxes. You're not even gonna. You're negative. You have no money. You spend more than you make. There's no way you're paying for your 20, 24 taxes. Good luck.

[B]

Yeah.

[A]

So no, you're not paying for your taxes. Taxes.

[B]

Yeah, I'm scared about that too, because again, we didn't put any money on side and.

[A]

Yeah, and you still don't. I didn't. It's not. We didn't. It's. You don't. You do not. It isn't past tense. It is present.

[B]

It's hard.

[A]

Okay. It's hard. It's very. No, yeah. It's Hard when you spend 14,000 hours. When you make 10, it's 8,345 from 2020 and then 4,954 from 2023. Okay. Crude failure to pay penalty. Are you kidding me? What's your monthly Damn payment?

[B]

Only 140. 150.

[A]

Yeah. Let's allow that interest to accrue even more. I'm gonna mark it as 150. Stupid dude. Why A lot of the interest to accrue even more.

[B]

I didn't know it was. I thought like it was a one plan thing.

[A]

Huh?

[B]

I thought it was a one plan thing like you, you if I did like If I own $5,000 and you can pay more. I know, but I thought so why I didn't know there's fees if I just paid the minimum.

[A]

Buddy, you've been here for so long. All you have to do is look at one statement. Ever do one. I never did that. Ever.

[B]

Well, no, I never.

[A]

That's what I'm saying, dude. That's what you're copying what I'm saying. Okay. Kia forte.

[B]

Yeah. That's a bad decision.

[A]

Yeah. Has there been one good decision in here so far?

[B]

I don't think that was the worst one.

[A]

That one less than paying our taxes, preventing us from potentially being able to stay in this country. No, I think that would be the worst.

[B]

Well, that car I only had to buy then him to work because I had a Corolla was paid off and everything. But I got in an accident that for some reason.

[A]

Do you have an llc? Do you have a business?

[B]

No.

[A]

You don't even have a business?

[B]

I try to talk with my boss like, hey, do you think it's a good idea he said no.

[A]

Your boss is like borderline actually stupid. He doesn't pay you on time. You trust the guy that doesn't pay you on time?

[B]

I trusted him until last year.

[A]

Oh my. Dude, I'm starting. Yes.

[B]

Yeah, I know. Yeah, but and he promised me like.

[A]

Hey, if you bought this business expense and it's actually accurate as a business expense, there's things you'd work with your CPA dramatically lower your tax, do anything. You need a new cpa. Do you have no agency? Are you incapable of doing anything? Like you just say like no one's willing to help. You're not willing to have a conversation, nothing. Everything is out of your control apparently. Well, but I asked bad happened to me. I do about it. Like I will never understand this lack of effort.

[B]

I just thought it was normal that that's the only thing that we had to do because I. I trusted her and she looks professional than me.

[A]

Trust people.

[B]

It's not that what we like, if you not have that education, you just have to.

[A]

None of us have that education. And it is a very small minority that have financial education. None of us. I didn't. They didn't. Your wife didn't. No one that I work with, as far as I know, had any financial education. We learned it because we put in the effort.

[B]

So I tried like last year I tried to ask about like, hey, do you think it's a good idea to do LLC with my condition and I work with this and I put all my stuff over there and then. And even did that say that was kind of the same thing being a 1099. So I'm like, why I'm gonna do LLC if I'm not going to be with this guy?

[A]

Well, it helps with organization. Like, it's. It is the pass through. And LLC is a pass through.

[B]

I have no idea. What is that?

[A]

Okay.

[B]

I have no idea.

[A]

Honestly, that's the least of my concerns right now. I'm just like, Listen, you owe 479 on this. What's the car worth?

[B]

A sixth? 6,000, I think. Because that car today in Atlanta is one of the most like people rob there. So after a couple months when I buy, I got this letter from Progressive saying like, hey, we're gonna raise your.

[A]

It's worth about 10,000. It's worth what you owe as far as we can tell.

[B]

Well, I bought it from Carvana. And when I do like my bad decision. Yeah. When I do like put in all my information, put the miles and everything, they say like it worth $6,000.

[A]

So that's what they want it for, so they can sell it for Hired Carvana. We put in your VIN and the information we got 10,000.

[B]

Well, it's someone I. We got in an accident.

[A]

400. Yeah.

[B]

Two accident, one week.

[A]

But did you tell us that information? So we put it in. We put in the information you gave us and we have $10,699 private sale.

[B]

I didn't know about that. And because you look. Well, I look on Carvana like the place that I bought and they say.

[A]

That Carvana is aing machine that buys your car for way undervalue so it can sell it for over value, honestly.

[B]

But is that like all dealer do like they're gonna pay used cars?

[A]

Yeah. But Carvana, that's their entire business model.

[B]

Well, knowing that.

[A]

Okay, was it as well as Fargo.

[B]

It's out of the car.

[A]

What's this car?

[B]

What is it? What?

[A]

Yes, what is this car?

[B]

CHR. Toyota year 2021.

[A]

You guys got cars that you probably could not afford. That was a 9% interest rate. What was the interest on the last one?

[B]

20 something.

[A]

No, no, no, no. Yes. Maybe. I don't know. I'm just saying. Kill me on the Kia. 20 something interest.

[B]

Yeah.

[A]

What are we doing man? Then you don't get it.

[B]

But I didn't have it gonna work. How I'm gonna work. I need that car. And. And when I try to like what.

[A]

Did you buy it for what price?

[B]

20. Yeah.

[A]

You didn't need a 20,000 hour car.

[B]

Something. You didn't even. It was 2022.

[A]

But.

[B]

But it was so expensive.

[A]

It was really hard. But you put in the extra effort, man. Because I assume. Listen, when everyone. Everyone complains about. It's the car. It was the car market. I made a good ask them and then they tell me they go to one dealership and I'm just like okay, well then yeah, you deserve it. Listen. On this stupid ass 9% car, $13663.14 is owed with a minimum 3 monthly payment of 539.53. She has a higher minimum to payment and balance than you. Even though she makes less money at least.

[B]

Oh, we never are late on that.

[A]

Okay. Congratulations. Bare minimum effort.

[B]

Yep. At least.

[A]

This apple card. Does she have an additional apple card?

[B]

She does.

[A]

Why is he a collections?

[B]

Because she doesn't pay for many many years. That was the car that we had to put that we had to put our down payment for the house. And when we.

[A]

Listen estimated.

[B]

When we moved like from that big house and we got back to a smaller apartment, we also put everything over there. And then when we moved to this apartment and 2000 in January 2024, we had to move again because.

[A]

What are you saying, dude? Just what the are you saying?

[B]

A lot of moving was on that card.

[A]

Congratulations. Don't be a dumbass. We all move. I've moved once a year my entire life. Except for once where I stayed somewhere for two years.

[B]

I. I like not to move. But since 2021, right then you make money.

[A]

It's inconsistent, but you make it. You just budget correctly around that so much. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Oh my gosh.

[B]

Yeah.

[A]

And they're also. They're not cheap. They're not cheap. Amazon. Amazon. Amazon. You guys share an account yeah. Pull it up, pull it up, pull it up, pull it up.

[B]

Can I pick?

[A]

Yes, please.

[B]

It's gonna be her phone.

[A]

I don't care.

[B]

I really need to go to the restroom. Can I go?

[A]

Go pee. I'll look at your Amazon. Go pee. Have a little. Have a little tinkle. Socks. Long sleeve workout. High waisted workout. More socks. Hair care. Cat treats. More cat food. Cat toys. Cat lounge thing. Cat toys. Cat litter. Okay, it all goes to cats. Okay. More clothes. More clothes. More pet things. And cat stuff. And cat stuff. And cat stuff. And face stuff. And cat stuff. And cat stuff. And cat stuff. My gosh. This is crazy. Shampoo, meal prep bowls. Cat stuff, cat stuff, cat stuff. Cats. They really are gays. Okay. My gosh. Salt and probiotics. Bloating. Someone was bloating. Gloves and jackets and. Yeah, I mean, it's just so much cash stuff. I don't think it's 100% needed. Obviously we want. Yeah, I'll save it. Oh, my gosh. Ladies and gentlemen, I just looked down the checking account. Started with a negative balance and it ended with a negative balance with $9,000 going in and out. What the are we doing here? Push it out. Oh, Sherry, I'm not sharing chocolate with a non hand washer. Why don't you wash your hands? I did. Sit down. I don't trust that. What the. Are we starting with negative in our checking account and ending with negative with negative in our checking account? Get right up on that mic. Because you're quiet, remember?

[B]

Yeah. Am I negative my count right now?

[A]

Like, oh my.

[B]

I mean, I know sometimes we might be because I didn't get.

[A]

But you ended and started negative when I. Oh, my. You started negative $44.64. Ended negative $33.28. You have fees. Let me guess. That's an overdraft. Has to. To be. Has to be. But guess what? We. We went to a steakhouse. Thank goodness we went to a steakhouse. We had to go to a steakhouse. Really? Had to go to a steakhouse. We wouldn't be able to survive if we didn't go to a steakhouse. Well, if you see the selling out of thousand dollars.

[B]

If you.

[A]

We ain't got some ball that donuts. Lottery. Lottery.

[B]

It's not mine.

[A]

Lottery.

[B]

Probably mine. Yeah, it's probably mine. But that.

[A]

It wasn't mine. It's probably mine because we both lost Gambling. We're gambling to try to pay for the tit removal. Brazilian bakery.

[B]

Well, that checks. But Zell is for my. Our own Account together. That's it.

[A]

Stupid. Because you're negative in your checking account.

[B]

But that's when I. I get my check.

[A]

You went in and got some Starbucks. Brazilian Bakery when he got some Starbucks.

[B]

I I need to eat so.

[A]

Oh my. We need another.

[B]

I, I.

[A]

Why should I say that's not too horrible? Something that. Yeah. Cleanse.

[B]

You see, that's why I get chocolate when I'm nervous. Like you.

[A]

Like you're nervous because you're a dumb with your money.

[B]

Well, I'm nervous when I wrong Lottery.

[A]

Victoria's Secret.

[B]

That's for my wife. My God. It's probably for her. Yeah, of course I don't use it. I can get her stuff presents when she need. Neil's pennies. Like real nice ones and everything. I want to see her like looking.

[A]

Intense to take them off anyway so why does it even matter? Went in and got some Brazilian bakery. Brazilian bakery. Zelling out money. ATM withdraw 162. Who knows what the that's for. There's the fee. Went and got some B.S. paradise. Zelling out. Zelin out. Pan Express, Apple Bill.

[B]

Yeah, I. I eat a lot as on. On the road. It's she milk. I do meal prep once I'm working only at the office because they have microwave. But most of the time I'm two hours away from mine.

[A]

All those cheeky little producers. We got you something that you have, well, really love to fulfill your addiction. And it ain't the chocolate in this case. We got you a special little scratch off. Why don't you scratch it? Let's see what you win. Let's see what you win. Oh, there's a little coin. Scratch that. Maybe you can pay for the big old surgery. Let's see.

[B]

You are so.

[A]

Yes. Okay. It's true.

[B]

True. Kind of nice.

[A]

Okay. I don't think there's anything else under there. Starbucks Zelling it out. Getting some Bull Zel Panda. Zell getting some BS Cloud 9 smoke.

[B]

That's probably when my mom was smoking. Yeah, she stopped on your car.

[A]

Buddy. This is a month ago.

[B]

She probably. Yeah, she stopped like a month ago because she had.

[A]

Does your mom have your debit card?

[B]

I was with her and she probably didn't have money then.

[A]

You didn't have money.

[B]

But she paid me. Yeah, she paid me back. She stopped smoking after.

[A]

Don't want to get into BS Zona money. Going to get into BS Brazilian Bakery.

[B]

Yeah, it's very.

[A]

Oh, our other checking account, it only has a dollar in it. Sorry. A dollar 21 cents. So we better Gamble.

[B]

I don't know why my wife. I mean she. She opened that one because she.

[A]

My wife. My wife. All my wife.

[B]

She doesn't use that one.

[A]

My wife. I. I think she transfers back in for. It's not evening on here. Okay, what we got? Okay, this chicken account actually has money. Well, it started with $93, but it ended with 1,000. I'm sure that's not normal. Got. Went in and got some BS. What are you going to the store and get. Who's going into the store and getting things. Is this the Hershey's? We going and getting her it. Actually me. No going and getting some Hershey's. Going and getting some Hershey's. Brazilian something. Go ahead and get in some her. Wow, there's so many purchases on here.

[B]

Yeah, I use my car for everything.

[A]

Guys, I have to read these.

[B]

Yeah, that's. That's our main account.

[A]

Restaurant. Amazon restaurants.

[B]

I'm working and subscriptions.

[A]

Netflix. Oh, there's a whole other page. I hate this Apple store purchase out of even know hulu rose. Brazilian McDonald's. Little burn going in. Getting some Hershey's. P win and get some Hershey's. Winning. Got some Hershey's Shake Shack. Hershey's.

[B]

Yeah, most of the time I'm not eating. I just get Hershey's. Yeah.

[A]

Amazon Baner Bread. Brazilian Bake Lottery. Shopify Lash Tech. Who's getting their lashes done every five seconds? Amazon Paramount.

[B]

Is that Lash version. It's just like the cheap ones that she probably. She goes and buy it on Amazon because she used to do her.

[A]

Oh, Panda Express.

[B]

Yeah. Wait.

[A]

Chocolate. Brazilian Bake. Amazon chocolate. Chocolate. Chocolate. Chocolate. I'm trying D cure McDonald's. Amazon overdraft. There it is. Chocolate, chocolate. Amazon Panda Express. Chocolate Rocket money. You don't even have to pay for that. You get this.

[B]

Yeah, I stopped paying Overdraft.

[A]

Dude, this is stupid. Stupid. You blame that on your wife.

[B]

No, it's not.

[A]

I'm not hearing your voice anymore. I'm. I've concluded the $5 in this account. We're going to the lottery. Twice we go to the lottery and every account except for the one that she has, by the way.

[B]

Well, no, this is her.

[A]

Oh, you're gonna talk. Yeah. What are you talking about? What are you gonna say?

[B]

The lottery is both of us. But I know she likes to grumble a little bit.

[A]

That's right. You both like to just destroy everything.

[B]

It if we win.

[A]

You're not a credit card person. If you're going to use a Credit card. Use a fizz card. Cuz it's at least a debit card that builds credit. You can't have access to credit lines. This is so dumb. You're 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 15 individual debts.

[B]

Damn that that's good.

[A]

Let's see if there's even a chance here. $10,788.05 is what came in. Let's see your debt. See, pain is my life.

[B]

Just to be clear.

[A]

I don't what it's not.

[B]

I don't want. I don't want people to think that I'm blaming only my wife.

[A]

But I say what you want to say.

[B]

I just want you know, maybe if we change she change that will be.

[A]

A little bit better.

[B]

You like getting maybe a paycheck that only like 15 days or it makes a little bit a better way.

[A]

Your debt, minimum payments. Your debt minimum payments.

[B]

My guy.

[A]

Oh my. Come on dude. $1853.92. What is your rent? One more time. 1700 17. What about utilities on a monthly basis?

[B]

100. Energy 100 and water comes like 40.

[A]

That's it. Okay.

[B]

Internet, it's already included on apartment 140.

[A]

Okay, very good.

[B]

Gas, both of you maybe $600 per month. Car insurance is both of you right now is 450. Phone bill 270. $66. My mom, so she paid me. She's paying. She paid me very like before.

[A]

Well that's calculating your income. Cuz we calculated everything that came in. So TP fund. Anything else is for five. $200. Groceries $600. Use the cookbook that comes with the butching app. Anything medical? Medical on a monthly basis?

[B]

No, just we have insurance for our cats. Gym $20.

[A]

Okay. How much for the cats insurance?

[B]

$60.

[A]

Both 60 each.

[B]

No. Okay, six both.

[A]

Six for both.

[B]

Okay. Cat food, 120 per month.

[A]

Anything else that needs to be in your budget that I have not put in your budget that is necessary for survival.

[B]

Our car payments.

[A]

I put all your debt in there.

[B]

Insurance, car rental. I'm trying to remember here but I think that would be it. And I know like per month I might need like $5,000 to survive maybe.

[A]

No. Buddy roundup, it is literally by a couple dollars. Basically 6,000 but $5,993.92. But you still have left low for money. There is no reason to be in this debt. And that's why I'm gonna just fucking nearly borderline just end this let's just call it 4000. Get $500 of fun. Sure, sure. $500 to send to people or $500 for fun. It is up to you, but that's what I allow. You have $3,500 extra. Choose what to do with that 500. Okay, great. You have 60,000 hours of debt. Cool. 3,500. Good. It's done in 17 months. Dude, this is nothing. This is no reason to be in this debt. It is listed a year and a half and you're out of the debt. And I gave you $500 of fun money which everyone, everyone who's been on the show wishes they had. You'll have a fully funded emergency fund and be completely debt free within two years. I'm done. I'm done. We're going to the post show. We're going to the post show. You can join our membership link in the description below. Hammer Elite has more content than any other YouTube membership. And it's also one of the largest memberships on this entire platform. And that is for a reason confirmed by our internal sources. So make sure you join that Best value for your dollar. Hammer financial score spending in a budget. You overspend 010 debt. You have collections and irons that 0 out of 10. First of all nothing to save in zero ton retirement. Nothing in their no zero real real estate zero. Even though there's no reason cuz you have so much money left over on a monthly basis. This is the stupidest zero out of ten in the world. But you have a Hammer Financial Score 0 out of 10 for absolutely no reason whatsoever. Probably because you ruin youring brain with chocolate. Chocolate. Chocolate. Chocolate.

[B]

Chocolate.

[A]

Chocolate. We're going to the post show. Chocolate.

[B]

It's not go.

[A]

We're going Download the pudgeting app. Download the budgeting app. Seeing the porch. I'm gonna let you know he blamed you for all.

[B]

It's not like that. You think I am the problem and.

[A]

I'm not the problem.

[B]

You don't help me too much. We start the conversation blaming me. I am the one who pays forever.

[A]

What do you think of your wife all of a sudden being like I'm a husband now? That's not good to watch the financial audit post show. Click the join button below.