Imbecile Knocked Her Up, Now She’s F*cked | Financial Audit

Summary

Financial Audit Podcast Summary

Episode Title: "Imbecile Knocked Her Up, Now She’s F*cked | Financial Audit"

Host: Caleb Hammer
Guests: Bianca (21) & Tyler (21) from Lafayette, Louisiana
Air date: May 28, 2025

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Episode Overview

In this raw and occasionally biting episode, host Caleb Hammer sits down with a young married couple, Bianca and Tyler, to dissect their precarious financial situation. With a 6-month-old baby, a mountain of debt, and serious breakdowns in communication, the couple faces the full force of Caleb's financial grilling. The conversation exposes not only their unsustainable spending and reliance on payday loans but also deep-rooted patterns of avoidance, lack of partnership in finances, and an aversion to confrontation that threatens both their financial and marital future.

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Key Discussion Points & Insights

1. Background & Context

• Bianca and Tyler, both 21, married for 9 months, together since high school.

• They have a 6-month-old daughter; Bianca is a stay-at-home mom and recently started earning $500/month for babysitting her nephew.

• Tyler works 50-60 hours/week as Assistant Manager (training) at Chick-fil-A, making $20/hour plus overtime.

  [04:21] Tyler: "Currently around right under two grand. So like 1900 on a monthly basis. No, no, no, no, no. Check. So right under grand."

• Combined household monthly income: approx. $4,300 ($51,600/year), above local median for their age.

2. Relationship Dynamics & Communication Gaps

• The couple admits to significant strain due to Tyler’s work hours and lack of shared time ([05:04]–[05:51]).

• Clear pattern of financial separation: one joint account, barely used; separate finances; Bianca out of the financial loop.

• Both admit to avoiding confrontation and uncomfortable discussions.

  [20:24] Caleb: "It's just so you can avoid this and never have to talk about this."

  [20:51] Caleb: "I don't think you're, like, married. Like, I think you guys can make a kid, but you guys are not acting like you guys are together. My. My, My. Hers. Hers, hers. His, his, his. What the. Why are you so separate on everything?"

• Tyler has handled almost all finances and withheld financial stress (and information) from Bianca under the guise of protecting her during pregnancy, revealed by his secret payday loans.

  [08:05] Tyler: "I didn't want to put any stress on her. So I would, I guess, yeah. Go behind her back."

  [14:36] Caleb: "He can continue to go behind Your back on this. That is the logic he is using. And I want that to be very clear."

3. Debt Situation: Payday Loans, Credit Cards & More

• Tyler opened multiple (4+) payday loans with astronomical interest rates to "cover necessities" after a failed roommate arrangement left them paying full rent on a new apartment ([09:18]–[10:03]).

• He did not inform Bianca about the payday loans; she discovered them during the podcast.

• Frequent credit card use led to maxed-out cards, missed payments, fees, and tanked credit scores for both.

• Notable spending included a Costa Rica post-high school trip ($5,000, start of the debt spiral), household furnishings, squishmallows, eating out, and more.

• Non-essential pets and a premium on lifestyle choices continued despite their situation (dog for security after a break-in, snake, expensive couch, midwife fees).

  [48:58] Tyler: "At that time, I was in a mindset. You have high limits. You have income. The minimum payments aren't that bad. So you think you could just spend, spend, spend. But then once you spend, spend, spend. It gets to this point, yes."

• Total debt (including payday loans, credit cards, money borrowed from family, unpaid invoices): ~$27,000+, not all consolidated or clearly accounted for.

• Most shocking: several payday loans have effective annual rates >500–700+%; their monthly repayment obligations far exceed their capacity, creating a "debt treadmill."

4. Behavior Patterns & Avoidance

• Repeated cycles of avoidance: Tyler stops paying credit cards to keep lights on but continues some discretionary spending.
• Bianca admits to being "too accepting" and not pushing back: "I just feel like when I do confront, I just get a lot of excuses. So it’s just..." ([67:30])
• Tyler uses "protecting from stress" as a justification for non-disclosure: "I didn't want any stress on her shoulders. She was already overwhelmed. She was pregnant. We were doing something really different. Doing a midwife." ([08:43])
• Their lack of joint financial planning and honestly confronting their situation is identified as a root cause of their predicament.

5. Critical and Memorable Moments

• Avoidance as Relationship Norm: Caleb persistently challenges both about their accountability avoidance—particularly Tyler's financial secrecy and Bianca's passivity.

• Financial Infidelity: Caleb repeatedly calls out Tyler for "financial infidelity," likening it to cheating in terms of trust in a relationship.

  [56:23] Caleb: "It's different than infidelity, but it's in the same area financially, mentally, of like he was willing to do something pretty egregious behind your back."

• Staggering Payday Loan Interest: All payday loans are insidiously structured; a $500 loan obligates them to repay $2,000–$2,500+.

• Lifestyle Creep & Excuses: Despite hardships, they continue spending on non-essentials (vapes, new pets, subscriptions, Doordash). Caleb points out the contradiction between their claimed desperation and actions.

• Mocked Separateness: Caleb lampoons their language (“my car,” “her baby,” etc.) as symptomatic of their lack of marital partnership.

• Transparency Breakthrough: In real-time, Bianca learns details of their debts, interest rates, and Tyler’s management—her shock is palpable.

• Cycles of Excuses: Caleb notes the "accountability trope"—the couple repeatedly acknowledges what they need to do but doesn't act on it.

6. Practical Solutions and Advice

Caleb ultimately lays out three options:

1. Second Job & Real Budgeting: Bianca works evenings (grandparents babysit), bring in extra $1,500/month, throw all at debt, live barebones for 4+ years ("builds discipline for life") ([105:01]–[107:18])
2. Bankruptcy: A shortcut with severe long-term consequences—should only be considered if behavioral change can be demonstrated.
3. Let Debt Default: Let debts go to collections (credit ruined for 7+ years), but this is last-resort.

> **[108:09] Caleb:** "Pick up more hours. I know that sucks... But this is what we have to do. It's this position you guys have literally put yourselves in by choice. Choice. And now you're here and it's time to deal with it."

• Additional advice: Get health insurance through work, consolidate and monitor all finances, eliminate subscriptions, hold each other accountable, make necessary sacrifices (like downsizing apartments or selling the expensive couch).

7. Recurring Themes & Warnings

• Lack of Partnership: Functioning as two individuals under one roof—emphasized as unsustainable ("You guys can make a kid, but you are not acting like you are together." — [20:51])
• Excuses & Deferral: Immediate recognition of problems but no follow-through on solutions.
• Impending Crisis: Caleb repeatedly warns their inertia will lead to eviction, divorce, or bankruptcy.

8. Host’s Tone and Approach

Caleb is direct, irreverent, sometimes abrasive, but ultimately wants to provoke action. He employs sarcasm, pointed language, and humor to hammer home the gravity of the couple’s circumstances.

[24:17] Caleb: "For absolutely dumb sink. What the are we doing? They just told me you haven't been paying on the cars for a couple months. The guy who runs. Did you know this?"

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Notable Quotes & Timestamps

• [14:36] Caleb to Bianca: "He can continue to go behind your back on this. That is the logic he is using. And I want that to be very clear."
• [20:51] Caleb: "I don't think you're like married. Like, I think you guys can make a kid, but ... you are not acting like you guys are together."
• [56:23] Caleb: "It's different than infidelity, but it's in the same area financially, mentally, of like he was willing to do something pretty egregious behind your back."
• [42:00] Caleb (sarcastically): "Happiest city in the U.S...I don't know what the you're talking about. Declining job market, declining stage."
• [91:02] Caleb: "You guys are saying great buzzwords of what you need to do. I wish you guys would do any of it. Like. Like what the is we need a term for this. Like an. It's an accountability trope that you guys throw yourself and you throw out the words that you need to say but then you don't do anything."
• [109:27/Outro] Caleb: "You guys don't understand what you're doing. Mike creates a child. Are we not clear on. This isn't another debt. We just don't have a statement for it."

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Key Timestamps for Major Segments

• 00:47–03:31: Introductions, background, and relationship timeline
• 05:01–06:38: Strain from work schedule; relationship impact
• 07:21–08:43: First discussion of payday loans, secrecy
• 09:18–11:07: Why payday loans, details of demotion and failed roommate situation
• 14:36: Caleb’s summation of Tyler’s justifications and the ongoing secrecy logic
• 20:24–21:15: Host critiques their separateness and lack of teamwork
• 24:17: Discovery they've stopped paying on credit cards
• 25:10–29:52: Spending review; defensive explanations; unwillingness to downsize or sacrifice
• 34:40–39:15: Breakdown of credit card behaviors and history
• 48:58: Tyler's mindset on credit limits and unchecked spending
• 56:06–56:58: Restoring trust after financial infidelity
• 67:33–68:10: Bianca's attempt at confrontation and Tyler's avoidance
• 91:02: Host’s critique of their buzzword-laden but actionless mentality
• 105:01–107:17: Caleb delivers three paths forward, recommends drastic budget shift and second job
• 109:27–109:38: Episode wrap, final warning, and offer for resources

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Final Thoughts

This episode lays bare not just a financial crisis, but a relationship at a critical crossroads due to lack of communication, accountability, and partnership. Unfiltered and uncomfortable at times, the conversation is a stark, cautionary tale about the consequences of unaddressed debt, secrecy, and avoidance—especially for young couples. Caleb’s advice is firm: actionable discipline, joint responsibility, uncomfortable but necessary conversations, and a wholesale shift in mindset are essential for any hope of real recovery.

For listeners: If you’re in a partnership, let this be a warning about the peril of separate finances, avoidance, and unchecked lifestyle creep—especially when a child’s future is on the line.

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Further Resources:

• Caleb’s budgeting app and financial courses (see episode links)
• Access to post-show for further content and follow-up

If you need the numbers or in-depth breakdowns by account, see timestamps 34:40–94:50.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You don't like the rubber?

[B]

Uh, no. When she had her baby and she wasn't working.

[A]

Herbie. You guys hearing the f. Cking words? The absolutely dumb. What the are we doing? They just told me you haven't been paying on the cards for a couple months. Did you know this?

[C]

God, no.

[B]

I would go behind her back.

[A]

Our pregnant wife's back. Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium. And get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

[C]

Hi, my name is Bianca. I'm 21.

[B]

Hi, my name is Tyler. I'm 21. And we're from Lafayette, Louisiana.

[C]

And this is Financial Audit.

[A]

Thanks for coming over from Louisiana, guys. Young, young couple. Are we married?

[B]

Very young. We are.

[A]

Okay, Very cool. How long have we been married?

[C]

Nine months now.

[B]

Nine months?

[C]

July.

[A]

Oh, okay. Very cool. Well, I guess I'm gonna ask him. And it's a little. It's a little less likely these days, but it's possible.

[B]

Hello? Man, we got eloped. Are you talking about baby?

[A]

Oh, baby. I. I'm. I'm talking about baby.

[C]

Okay, well, we've been married for nine months, but she's six months old. She's about to turn seven months.

[A]

Okay. She's six months old. So technically, the pregnancy happened before marriage. Okay. Intentional whoopsie. Whoopsie, doopsies.

[B]

Whoopsie.

[C]

Yeah.

[A]

Okay.

[C]

Blessing in disguise.

[A]

You don't like the rubber?

[B]

No.

[C]

God, no.

[B]

Just anything that we ever, never, ever.

[A]

You know, more will come.

[B]

Yeah. But we just kind of resort to natural ways. Timing, natural planning. Natural planning. How'd that work with a baby that's seven months old now? Almost, huh? Yeah, not very.

[A]

So something tells me a few years from now, you'll be back on the show, and there will be 10.

[B]

Hopefully not 10, because I came up from eight, and we're trying to max out at three.

[C]

Yeah, he's one of eight.

[A]

Yeah. Your strategy is not getting you there, buddy. You're not keeping you there. All right. So how's life in Lafayette? How we doing? New kid, 21 years old. That's, you know. How are we doing money wise?

[B]

Not too good. Now, going into it, you know, we were kind of set up at that time. I had started paying off some of my debt from what I racked up from when I was 18. Over that time. We ended up spending a bunch of money.

[A]

What time? Since 18?

[B]

Yeah, since when we graduated high school. I maxed out my credit cards.

[A]

Fats Stack. Wait, since we got. Okay, how long have you guys been together? Not married.

[C]

Since ninth grade.

[B]

Since ninth grade.

[A]

Oh, for sake.

[B]

Oh, geez.

[A]

You okay? Really? Just the. The one time and forever. Okay, cool.

[C]

Nothing wrong with that.

[A]

How? No, nothing wrong with it. Just a little less common these days. Totally. Good. So you guys have been through just the taking out debt together forever game?

[B]

Yeah, kind of. It's kind of a lot of me. She really, really hasn't had a big, like, I or knowledge of our financial situation with her staying home and her not having a job anymore.

[A]

Okay, so that, I guess, was gonna be my next question. And that makes sense. I mean, new kid, but she better be making. What were you doing before?

[C]

I was working at a hospital as a dietitianist.

[A]

What were you making?

[C]

Like 1260.

[A]

Yeah. I don't know the cost of living in Lafayette, but I doubt it's among the higher.

[B]

It's not too expensive.

[A]

Yeah. And you?

[B]

When I started at Chick Fil A, I started Chick Fil A.

[A]

What's your position?

[B]

Currently, I'm an assistant manager over training.

[A]

Working our way up.

[B]

What are you making right now? I make 20 an hour.

[A]

20 an hour? How many hours a week?

[B]

I can work up or I work regularly.

[A]

How many are you?

[B]

50, 60.

[A]

Yeah, I mean, you have to, because she's not. And there's a kid.

[B]

Yeah.

[A]

So 50 to 60.

[B]

Yes.

[A]

On average. So. So 55.

[B]

Yes. Overtime is 30 an hour. I get time. An hour?

[A]

Yeah. Over time. Until. Oh, okay. Yeah, sure. So what's hidden in your account on a monthly basis now?

[B]

Currently around right under two grand. So like 1900 on a monthly basis. No, no, no, no, no. Check. So right under grand.

[A]

Okay. 1,900.

[C]

And I get paid 500amonth from watching my nephew.

[A]

Okay.

[B]

Yeah, that just started recently. In about March, she started babysitting forever.

[A]

Like, how long is that?

[C]

That's gonna be until next year in August when he starts school. So not 20, 26.

[A]

So 4300. That's what's hitting our account on a monthly basis. You know, we're talking $51,600 a year. Definitely not bad for your age. But again, it's the. It's the new kid situation. Yeah.

[C]

Yeah.

[A]

And how we doing? How we doing today?

[C]

Well, it's doing good. Just him working so much, like, puts a strain on, like, him seeing us and having a relationship with his daughter. He'll go, like sometimes 48 hours without seeing her. Just depending on when we wake up, go to bed and what time he has to go.

[A]

And strain where?

[B]

Well, I work horrible shifts, so, like.

[A]

Sure, but strain, where you brought up strain is a strain with you. Where is the strain?

[C]

Well, yeah, I guess it is us because, I mean, we don't get time together anymore because he comes home late and I'm already sleeping. And then we wake up and we have our morning. But that's it.

[B]

I'm not able to help her as much and it's putting a huge toll on her.

[A]

Sure. But for what it's worth, you are helping by keeping the roof over the head on the table. But. Okay, so how's this? How's this going? What's the strain? Tell me about the strain. This is important.

[C]

I mean, we don't go on dates anymore. Like, we just don't have time for ourselves. We just. When we do have time, we clean the house. Like that's our free time.

[B]

Taking care of the baby.

[C]

Yeah. Make sure.

[B]

Passing them to family, you know, and then taking of the house.

[A]

How many hours a day is the baby sleeping?

[C]

She doesn't sleep much. She's a very much of a FOMO baby. She loves.

[B]

She has a fear of missing out.

[A]

Oh, you guys are so Southern. Okay.

[C]

She loves to be in the know, so she takes about 30 minute naps, maybe three times a day.

[B]

What do you mean Southern? I don't find us mean. Like, I never was told that we were Southern.

[A]

Like, I left Louisiana.

[C]

I have.

[A]

Okay, yeah. Yes. The accent.

[B]

Okay.

[A]

Okay. So Chick Fil A, how long have we been working at Chick Fil A?

[B]

Well, so I started there in 2021, I think in August, and then I worked up until February 2023. In that period, I worked from like $10 an hour to about $16 an hour. Worked my way up to a CT. Then our store was going to be shut down for a remodel.

[A]

Now what are you doing to combat this strain? Cause there, some of it obviously is on you. I mean, you're going to work a lot. I understand why you have to be able to pay the bills. And this is a fat stack, so we were obviously in a crap ton of debt for 21 new parents, relatively newlywed. So, yeah, you gotta work. So how are we dealing with the strain or else this is gonna get worse and worse. What are we doing right now?

[B]

Really? Nothing. We just never really had conversations about it. You know, starting to actually look at the finances now. Has kind of opened up conversation, you.

[A]

Know, tell them about the convers.

[B]

I mean, well, in between us moving in from our house and I don't know if you know this but moving in from our house to our apartment, I had opened up like two payday loans and they had an insane amount of interest on reaction.

[C]

I did not know about these payday loans.

[B]

There's like four in total.

[A]

Chilling about what does she know?

[B]

It was more of just kind of. I felt I didn't want to put stress on her. A lot of times through like pregnancy and stuff she would like.

[A]

So we do things behind her back. Our pregnant wife's back.

[C]

Right.

[B]

Yeah, I just in the time I just felt like she would cry to me at moments when we'd go to the, I don't know, I guess appointments. She would be overwhelmed by appointments when we would go for the baby and she would ask how we were doing.

[A]

Financially on take out the worst debt possible without even accounting.

[B]

I didn't want to put any stress on her. So I would, I guess, yeah. Go behind her back.

[A]

Yeah. Or are you just saying that as a way to get out of that? Because oh my gosh, that puts like the. Oh, virtuous me. You know, you got the, that gets, that gets the pushback off of you. Like I was doing it to be the good person. That's what everybody.

[B]

I didn't want any stress on her shoulders.

[A]

She was already, that's what every single day.

[B]

She was already overwhelmed. She was pregnant. We were doing something really different. Doing a midwife. We weren't at a hospital.

[A]

Yeah, you were doing something really different. Taking out payday loans. Yeah, that's what every single person who goes behind their spouse's back does. Says they do it for them.

[C]

I was working till I was 40 weeks pregnant. So I was already stressed out. Like you could have told me.

[B]

Yeah, like I guess so.

[A]

What? What? So okay, we're hearing about payday loans for the first time. Great. For why?

[C]

For why?

[B]

It was instant money. I needed it. There was moments.

[A]

Where did you need it?

[B]

Well, so when we moved into our house, we had moved in with a friend. We were going to split rent with this person. We moved in in 20, 23 December and he was going to split rent with us. We all signed on to the lease and well like three weeks in he quit his job that he was working in Lafayette, Louisiana at a construction company and he went try to go to the oil field. So from then we started having to cover the whole fifteen hundred dollar amount in rent and I Wasn't making enough money at the time because I had recently also gone through a demotion when I went back to Chick Fil A. Because between February, when I left in February, during the remodel, I got offered a job at one of the cell.

[C]

Phones because he told this girl he couldn't pull his. Pull her break out of his ass. So he got demoted.

[A]

What the does that even. I've never even heard that in my life.

[C]

She has to go on a break.

[B]

To put it in order. I had left from February to August from Chick Fil A. They were doing a remodel.

[A]

What did you just say? Someone translate that to me.

[B]

So when I got someone pull a.

[A]

Break out of their ass.

[B]

Yeah. So when I got hired back on at Chick Fil A in October, I was a manager hired on. And about January, February, a younger team member was like her first week. She had came up to me and asked to go on break. And I was the back of house manager and she was in the front. And I jokingly looked at her and was like, what you want me to do? Pull your break mail on my ass? And she started hysterically crying. Apparently she had a hard week at work. I instantly apologized. Well, it was brought up to management and then she quit and they demoted me. So that.

[C]

And then she came back, hit my pay.

[A]

A lot?

[B]

Yeah, a lot.

[A]

Okay. One, as a boss, get to know them before you with them. Once you get that thing, once you get that relationship, then you can with each other. Yeah. Two, sounds like she's a. Okay, so. Yeah, it's a weird. Honestly, that's a weird thing to get demoted by. But I understand. I mean, in our culture, I've gotten.

[B]

The position back now.

[A]

Yeah, but you got demoted. How long were you demoted?

[B]

I was.

[A]

So what was your pay hit because you had to get the payday loan for this? Some of them.

[B]

Oh, no, we weren't payday loans. So I was in full debt before that. February to October Gap. I tried out a job opportunity instead of. Like I was saying, I was offered a job to work at one of the south locations at Chick Fil A. But I didn't take it.

[A]

You are staring into my soul. You are staring into my soul.

[C]

Just because I have blue eyes.

[A]

Okay.

[B]

And after that, where was that?

[A]

But why would. I don't know.

[C]

The Cali. He went to Cali for seven months and then left me to pay the bills.

[B]

Yeah, I had already racked up all my credit cards. I didn't take the job opportunity from la. My brother was Working in California.

[A]

Oh, guys, I am so lost. You're just talking about so much random.

[B]

It's a lot. It is.

[C]

So we graduated high school, huh? And we were together five months later we took a trip to Costa Rica.

[A]

Sure.

[C]

And that was about five grand we spent. No, we had no debt then.

[A]

But did you go into debt for it?

[C]

Yes.

[A]

No, for sake. So was that the start? Is that what we're saying? That's the start of the mountain, the pile, the skew. This all is.

[B]

That was the beginning. Yeah.

[A]

Okay, so why have we done nothing in the three years to combat it? To start rolling it back. Especially since. Especially since we had nine months of knowing we were pregnant.

[B]

Well, there was one moment where I actually did try. So when one moment.

[A]

Oh, thank goodness.

[B]

When I went to California to try to sell solar with my brother. Ended up being a whole Ponzi scheme door to door.

[A]

I don't think you know what Ponzi.

[B]

Means, but yeah, scheme, whatever.

[A]

Probably closer to a pyramid scheme.

[B]

The people at the top were making all the money, doing stupid stuff, going to parties all the time.

[A]

Okay, let's talk about the payday loan because that was actually interesting. What the do you think about this hearing about these payday loans? Why the would she not know now? Yeah, I understand why she maybe I understand your logic, even though I think you're bull. To be completely honest. I think you're just trying to use that as a, you know, a little excuse. Virtuous one.

[B]

I have to ask. I was already asking family for money and paying them back money.

[A]

You said that in your nice little monotone voice. Yes, I heard it. Okay, very good. So why doesn't she now know six months since birth of the child?

[B]

I didn't want to put that stress on her. My biggest thing is I don't want to have.

[A]

You will never. So she will never be capable of being able to listen to anything you say because if she wasn't there, she wasn't capable three months.

[B]

She's already overwhelmed now taking care of a baby.

[A]

I don't yet overwhelmed forever. With your own logic though. So you know. You know what this means. You know what this means, right? And it's because you weren't able to vet other people, right? Yeah. So this guy.

[C]

Tyler.

[A]

Yes, that is his fake name I was confirming. Okay. Yeah. Is he is essentially saying that he will always think you're stressed and as long as he thinks you're stressed, I'll.

[C]

Never be in the know.

[A]

You'll never. He can continue to go behind Your back on this. That is the logic he is using. And I want that to be very clear.

[C]

And I took care of him while he was in Cali.

[B]

She did.

[C]

And I told him everything.

[B]

He took a lot of burden on that, making sure to make sure the minimums were paid.

[C]

That was really the only time I knew of the finances. Just that period.

[A]

What do you mean you don't know about the finances in general?

[B]

Well, not really.

[A]

Why. Why aren't you guys having that conversation together? This every couple?

[C]

I don't.

[A]

Why you don't know?

[C]

I don't know how.

[A]

Do you not? No. Okay. Why are you not including her then? She doesn't know why she's not being included.

[B]

Yes. We just don't have conversations about. I mean, like, we'll have conversations with, like, how much money we have left after bills and stuff. But like, beyond that, it's just how combined are we? Not really at all.

[A]

Why? You're married yet.

[B]

I mean, we do have one joint bank account, but we don't use it. It's like a credit.

[A]

How do you even know all the finances then? If one person's managing the finances, how do you even know what they are if we're separate?

[B]

I just cover all the bills. Since she's been a stay at home mom and the only thing she covers is her car, now she's making money again.

[A]

Yeah, but how? What if she's not able to cover that because she only has $500?

[B]

I was covering it at the time.

[A]

What's at the time?

[B]

When she had her baby and she wasn't working.

[A]

Her baby?

[B]

Her.

[A]

You guys hearing the words our baby. Come on. Starting to add up here. Starting to add up. Come on. The language you use, right? You hearing it all right, baby, I'm not saying there's not love here. I'm not saying that. I'm not saying to break up.

[C]

We're not breaking up. And it would be a divorce.

[A]

I'm not saying.

[C]

Because we're married.

[A]

Yeah, okay.

[B]

But some of it, I just don't ever want her to have to worry. And I know it takes, you know, through conversation and stuff to have awareness and stuff, but I don't want to put that stress when we're, you know, struggling on her when she's already commit.

[A]

Financial infidelity for the rest of our marriage. That's gonna go real well.

[B]

Guys really plan on doing it forever.

[A]

Yeah. And when would that logic change, Guy through conversations. Because you don't want to stress her out.

[B]

Yeah.

[A]

So when would that change?

[B]

No, no.

[A]

Yeah. Okay, well it's different now. And don't use the bull. That's why I'm here. Shut the look. That's not why. Like okay, yes, you're here, we can talk about things, but that doesn't mean all of a sudden his entire behavior and mindset on life that he's been living the past multi years as you guys have been together is all of a sudden changing. We can get budgeting advice, maybe conversations that you guys are able to have different mindsets of the way you're able.

[B]

To look at any of that stuff.

[A]

Okay, but what honestly though to you is going to be different? Apparently now that you're getting called out by it and I'm discovering this, who even knows you know if this was even in the picture. But I am discovering that uh oh, dude's using his little, you know, virtuous looking amazing to hide things from you and will always use it. Galza, you're a baby. So what are we doing? You know what is actually gonna change?

[B]

Well, one of the biggest things.

[A]

Why would it change?

[B]

I didn't realize how much of especially with like the payday loans and stuff until I sent all the documents here. I didn't even look at some of the interest rates on these things and they're. There's one of them, it has like.

[A]

A 7% interest rate broken. You're the one that's overseeing the finances. That was your self assignment.

[B]

I know.

[A]

And she was okay with assigning that to you.

[B]

I don't even know how I was approved for them. I just applied for them.

[A]

That doesn't. Well, it's a payday loan. That's why the interest rates are so high. Because so many people just let them go into collections. Okay, that's not the point. How about the point of why the. Do you not know if you're the one that's taking on the responsibility of taking care of the house financially?

[B]

I should have looked at the same instance.

[A]

I agree. I'm asking why you haven't. Thanks for agreeing with me. Why haven't you?

[B]

It was just simple. They take it out of your paycheck. You get the funds when you need it.

[A]

I get that, I get that, I get that.

[B]

I didn't think of it.

[A]

But you have self assigned you, so why have you felt like you have not needed to go through every document and be informed on the financial houses, the finances of the house?

[B]

I feel like it's just a big of a hole that it's just overwhelming to look at.

[A]

So now you're. So.

[C]

You need second eyes to look at it. So it's not overwhelming.

[A]

No. You know what he just said? He says, now I'm. And I'm not just protecting her from getting overwhelmed. I'm protecting myself. Oh, thank goodness. Really helping the house here. You got a kid, dude. Like, we can't just, like, put our hand, you know, put our head in the sand. That's. Well, we're not able to do that anymore.

[C]

Protecting him from getting his chewed out.

[A]

I'm sure he likes it.

[B]

I don't probably, but there needs to be more conversation, and I'm sorry about that.

[C]

It's all good.

[B]

But there needs to be more done.

[C]

About that right out of this ball.

[A]

Newlyweds. I mean, I. I'm happy that you like that type of language. Like, there's. There's two look away, like, walk aways from it. There's the walk away that I think, you know, people that aren't involved in these conversations will do, but they're like, oh, good, they're green. Or there's the other way. You know, who's been involved in so many of these conversations where it's, oh, they're both agreeing so they could just move on and not have any confrontation. Spoiler alert. They told me beforehand that they avoid confrontation because you guys are just afraid of confrontation with each other. So it's. It's just like that right there, what you guys just did, that is just so you can avoid this and never have to talk about this. It's like, oh, we're drawing the line in the sand. We'll talk about to now. It's like, okay, but you're not. You just deferred that to a later date.

[C]

Yeah. Honestly, it just. This is just going to be like our fresh start.

[A]

Why aren't you putting yourself into the conversations? Why aren't you asking the questions? Because, you know, things are happening. You know, money there. You know, money's going away. You know, there's debt. Why aren't you putting yourself in there? Trust me, there's a little bit of responsibility on your end as well here.

[C]

Yeah, well, I do worry. I have my car to worry about and my everything.

[A]

My. My, her baby, blah, blah, blah. Why, guys, I don't think you're, like, married. Like, I think you guys can make a kid, but you guys are not acting like you guys are together. My. My, My. Hers. Hers, hers. His, his, his. What the. Why are you so separate on everything?

[B]

There's no inclusivity.

[C]

Yeah, Just worried about Our own things.

[B]

Kept everything so separate, so long that we got accustomed to it since high school.

[C]

Yeah.

[B]

Of just rolled with it until we realized the point where we're at now of so much where it's. I look at my bank account and it's gone before my check comes in. And yeah, I still think about her and my daughter every single day when it comes to the finances. And I realize the mistakes I made.

[A]

She called it yours this time.

[B]

The horrible mistakes I made throughout the years and the horrible mistakes I made behind your back. And pulling out those loans. I just didn't want you to.

[A]

Yeah, maybe it's just pulled out in general. I would have saved us a big headache today.

[B]

I'll never regret it.

[C]

We'd still be in debt.

[A]

No, of course not. We have the kid, we love the.

[C]

Kid, but we'd still be in debt.

[A]

Maybe even worse. Who even knows?

[B]

Kids are expensive.

[C]

Probably.

[B]

And one thing too.

[C]

We really did cut back this year.

[B]

In my defense, those payday loans weren't just used on mindless spending or anything. It was. Our friend moved out of that house. I was having to cover an insane amount of rent, paying back family and stuff. But if we bring this up, do.

[A]

What is necessary to cover the expenses without getting a thousand percent fee loan.

[B]

But in that moment, she literally just birthed the child. She was overwhelmed.

[A]

But it's a partnership. Maybe she. Maybe someone on her family side would be able to help. Not that I'm advocating for that, but it's better than a payday loan. You don't know. You guys are in a partnership together to solve it together. Okay, so that's where you have the conversation to come up with solutions together.

[B]

We lack that a lot. We don't really conversate like we should.

[C]

Why one, we don't see each other.

[B]

I work a lot and like I was saying earlier, I work a whole lot.

[A]

Now.

[B]

Luckily I have Sundays and Mondays when.

[A]

You always have something.

[B]

A month ago. Yeah, like a month ago. But you always working six days a week. Yeah, but I'm a manager so sometimes I go in on Sundays for meetings. I run training so I have team leads underneath me that I have to go in for meetings like every other Sunday.

[A]

Every other Sunday.

[B]

But I also work like a horrible shift cuz I'm only doing now it's different.

[A]

He has two days off. I'm still not talking.

[C]

On Mondays we go to the park and we take our dog to the dog park. And our nephew and our. And our dog.

[B]

Sundays is really just cleaning and family Day we bring.

[A]

You can talk. Guys, I'm talking aing hour a month.

[C]

That's sure.

[A]

Like what are we doing? You guys haven't been proactive in that at all.

[C]

We're just prioritizing other things.

[A]

Yeah, avoiding your mess. Which by the way, is one of the leading causes for divorce in this country. One, going behind her back, that's gonna be a leading cause. Two, finances. You guys are definitely headed down the wrong train. And you really don't want this. I mean, come on. Young marriages.

[B]

And I didn't realize any of that until I really paid attention and looked at it, you know, sending all this.

[A]

But that was your self prescribed job.

[B]

I know, but I guess you were.

[A]

Supposed to be looking for years.

[B]

But the stress from everything, having a.

[A]

Kid up, it's your responsibility, period. You took it on.

[B]

I did.

[A]

I mean, you could do it too if you took it on, but you took it on. You're the one that prescribed it to yourself.

[C]

We just need to.

[A]

Oh, for sake, guys, for absolutely dumb sink. What the are we doing? They just told me you haven't been paying on the cars for a couple months. The guy who runs. Did you know this?

[C]

Yes.

[A]

So you knew this and you were okay with this? You didn't know about the payday loans, but you know this? We know we're not paying on cars. We know we're our credit. Hey, do you own your home?

[B]

No. We're renting.

[A]

Okay. I bet parents that have kids that want three, which will probably have 20, probably want a house. And you're obliterating your credit. You're obliterated.

[B]

Yeah, but there is a reason why I stopped paying on the credit cards.

[A]

I. I bet it's to avoid stress. Is it to avoid stress?

[B]

No, it wasn't to avoid stress. It was to pay for necessity. We had to provide diapers for the baby. We had to pay electricity. We had to pay rent. That's also what the payday loans we use for were to catch up on all that stuff.

[A]

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[B]

But no going back to the cards. The reason. Yeah, sure, go ahead. I had seen a Dave Ramsey post and it was literally explaining if you're in a situation where you can't provide lights, you can't provide food, agree.

[A]

If you're not spending on your credit card money on the other stuff.

[B]

I wasn't spending money on anything, buddy.

[A]

I have your spreadsheet. A little tit.

[C]

Yeah, we do.

[A]

Is she your sister?

[B]

Like, compared to the amount of money I make, most of that goes to the debt and payday loans that I have to pay. That. That's where most of my money.

[A]

Most of it, actually. 41% of it net. Yeah, yeah. There's bull in here.

[C]

Yeah.

[A]

Yes, I agree with Dave because those come first. If you don't spend money on bull. I bet he didn't say the word bull, but he probably said Baines and rice, whatever the.

[B]

You know, it was just a moment because up until now, I mean, up until then, I've paid on my parts. No, I was just saying up until.

[A]

Yeah, but you still did what he said wrong. You still chose things that were not necessities.

[C]

We have. Definitely.

[A]

And you were okay with this? Cause you knew about this.

[C]

Yeah, I did.

[A]

And you were okay with it.

[C]

I'm a willing participant.

[B]

I guess it's just more of we kind of give in to each other when we have extra funds and we know bills are paid up until a certain point. We need to go get stuff. Your things like that just have freedom, spend that money on that stuff.

[A]

I want freedom. Yeah, but your freedom's being delayed because. Yeah, look, 41.9 net is what went to debt. Like that's, that's not freedom. No, you got to work to get out of this. The situation you purposefully got yourself in, you did this with your own choices. Freedom comes getting out of this. Listen, you make the literal before taxes. Actually you make more before taxes than the median household income in Lafayette as a single income household. Because of the hours you work. Yes, but you make more. So you are doing this with your spending, your choices, your. So it's all on you.

[B]

So like pretty much. Also, we live in affordable housing. So like currently right now we pay 1090. Well, it's an income limit. So when we applied for it the threshold was like for a three income house, it was like 45,000. And I made 42 with her income.

[C]

And we were really qualified because we had.

[B]

And we had, we had so that, you know, got us, you know, a little extra income. But.

[A]

Well, I do have good news. The average rent for a two bedroom apartment in Lafayette, Louisiana is $1,175. Congratulations. You gu. Aren't going to be.

[B]

Yeah, but most of them are your choices.

[A]

Again, this is not another excuse. I have data at my fingertips. All you got to do is look. And guess what? It's an infinite. I understand the want of the two bed, but maybe we one bed for a bath while we get out of the debt. Maybe we one bed for a bit a year even while we get out of debt. What? What? Why?

[C]

God no.

[B]

She needs at least.

[A]

What sacrifice are we willing to do to get out of debt though? Cuz then you can have a three bedroom. I'm talking a year. Okay, while it doesn't technically really need its own space, you kind of do. Yes, I get that. But also just put the. Make the bed. The living room, Their bedroom, the living.

[B]

Room, you know, pretty much with the.

[A]

No, no, I'm saying the fuck cribbing stuff.

[C]

Oh, that's horrible. No, that just looks weird. It makes the house look horrible.

[A]

I don't give a. I care about the future of the household. This is a one year sacrifice. And I'm not even saying you have to do this. You can afford the two bed, you know the, the, the. The average two bed there, 1175. Which you were going to complain that your rent was about to go up. Right, Right. No, it's not.

[B]

We're getting less space though, so.

[A]

Oh no.

[C]

We also have a dog.

[B]

Yeah. And it's like everything laid out is.

[A]

Guess what? I got a dog when I only had my own room in an apartment where I shared it with a roommate. It's okay.

[C]

Well, we got a dog. Cause someone broke into our house while me and were sleeping. Me and our daughter were sleeping.

[A]

I get it. I didn't say it's bad to have a dog. I don't care. I love dogs. What?

[C]

Good.

[A]

I don't know what's.

[C]

It has to be done.

[A]

Cool. I'm not against this. I don't know why you're bringing that up.

[B]

I guess she's more bringing up because we've recently got the dog a few months ago. Even though we're in all this debt.

[A]

The average rent is less than 30% of your net income. It's totally within your limits. I don't know what we're complaining about and trying to make an excuse about. No, it is your choices that is keeping you here. So shut the up. Take some responsibility. My goodness. Guys.

[C]

Got it.

[A]

That's for a two bedroom. You'll be fine.

[B]

That's so small.

[C]

War rent.

[B]

No. What are you in now? We're in a three bedroom, two bath.

[A]

Oh my. Guys, you don't need that. You don't even need two. It is much better if we move.

[B]

Into a two bedroom. We have a washer and dryer and a couch and it's a big sectional. That couch won't fit in some of the apartments that are so small.

[A]

You get a couch off a Facebook Marketplace.

[B]

What am I supposed to do with my couch now?

[C]

Sell it.

[A]

You sell it.

[B]

But I paid for it.

[A]

I don't give a. Everything you sell, you will have paid for, most likely. I don't care. Buddy. I'm trying to save you a monthly cost so you can survive. Right now you're talking about how you're not paying your credit cards to pay utilities. Shut the up. I don't give a. If you're not willing to make changes, there's no hope for this conversation. Good luck with this one.

[B]

Like when I have to like pay for a couch and a new house or something. Like it's easier to just use already used, used, used.

[A]

You don't pick the rich area, which I don't know if there is in Lafayette.

[B]

There is.

[A]

Congratulations. Pick that area on Facebook Marketplace. They're getting rid of. They're just getting rid of the time worth selling their couch. You know is worth is better spent just getting rid of it than actually trying to sell it and make money. Okay. That's what you do. So me and my friends do here in Austin. Find the rich zone Facebook marketplace. There, that's where you get all the goodies. Okay. Too bad that's a downgrade. I don't give a compromise with two bed, you'll be fine. Okay, I'm gonna go. Three, two, one, go. This is way too long of an introduction, but you guys are just a so far, immovable rock, which makes me very nervous for. Because this is a. This is a. Whoo. This is a lot. All right, I'm gonna go. Three, two, one. Go on. Go. I want you to give me your household financial score from both of your perspectives at the same exact time. 3, 2, 1. Kang, you think you're a little better. You think you're worse, but you're not willing to change. This guy makes a lot of sense. All right, cool. If you want your Hammer Financial score, go to calebhammer.com. take the assessment, see where you stand. You can also go to the link in the description below. You can also apply there. Caleb hammer.com apply. And if you don't want to turn out like these, I'll tell you how. Download my budgeting app. Link in the description as well. Anyone who signs up for the annual version, we will send you the cookbook signed right to your doorstep, which you guys get for free. Congratulations. Take advantage of the premium version. You better. It's like. It's the tool you need. Okay. Everything's automated.

[C]

He loves to cook.

[B]

I do. That's one thing that has, I mean, since we've been scrapping for money. Because in our house, we've spent money.

[A]

What do we do, though, when we're not there for dinner because of work for five days. Yeah. So like something actually reasonable after.

[B]

Because we spent 40 minutes of. On a lot of the cards is from when we just had open credit limits and would go eat out and stuff.

[A]

We're about to start going through them, discover it that. What's up with this first card?

[C]

Huh?

[A]

Then what's up with it?

[B]

I got that one when I was 18. That was actually. I opened it up on my 18th birthday. I would always kind of watch, you know, financial videos on YouTube and stuff like that. So just to kind of have an idea.

[A]

Who'd you watch?

[B]

I don't even remember at this point.

[A]

It's probably Graham Stephan.

[B]

Graham stuff.

[A]

None of them advised any.

[B]

No, no, not at all.

[A]

Watching finance, YouTube and ending up like this.

[B]

So the first, like six months, because it was a secured credit card, I paid the $200 every single month.

[A]

And then what was the minimum payment on this before you started getting late.

[B]

Minimum monthly payment.

[A]

Like, come on, head of finance.

[B]

70.

[A]

Okay, well, now it's at 317, so I'm gonna put it at 70 because we're gonna catch up. This is stupid. It's 313 right now. Because you're just not paying on it. Because we're choosing everything else that we're gonna go over throughout this conversation that you have put on it. 42 dol. $41 of fees. Fees that you're endlessly stacking. Oh, for death. It is almost $300 over the credit card limit. Did you know that?

[C]

No.

[A]

Yeah. What do we think?

[C]

How does that even happen? Interest.

[B]

Interest. It was maxed out and not making a payment.

[A]

What do you think? You're not making a pay. You are okay with not making a payment. You are okay with that. You have enabled.

[C]

I'm not okay with it. I don't have the money either to do it. Like, I don't.

[A]

He don'. Are we not together? Okay. Pure and simple. We could end the conversation here. We're not going to, but we could. Here it is. Combine your finances and if you don't, if we keep this his mine, you guys are never going to make it. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win win for both of us. What do you have to do? Sign up for a SOFI High Yield Savings Account and get a welcome bonus of 300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. There you go.

[B]

We need to combine our bank accounts.

[A]

Yes. Why didn't you.

[B]

She also says that she doesn't want to close hers. When I say just.

[A]

You don't have to close.

[B]

Join mine.

[A]

No, I'm okay with having like a spending account or something, but let's have the main bills and everything go through the joint incomes. Hits the joint. And then if we're able to allocate personal spending, we can allocate that to our personal checking accounts. You guys don't really have spending money right now because apparently according to you, you can't even afford utilities.

[C]

So tax.

[A]

You don't have spending Money. So this is your credit card. Okay. So you opened it forever ago, trying to be a little finessy with all the points and all the sign on bonuses, right? Yeah. You're not credit card people. You're the opposite of credit card people. You can't manage a credit card to save your life. Don't be credit card people. Don't try to be.

[B]

Okay, Just make it look so good.

[C]

Easy.

[A]

Yeah. And then you just make it look so 300 over the limit.

[B]

And it's also like when they, I mean, they tell you what to do, it went up to 1800 and then it's like you have more spending and then at that point your credit's good enough. And then that's when I was opening up my other cards. And then, I mean, listen, let me.

[A]

Advocate for Finance YouTube real quick. And it's not always perfect, but there is not a single credit card channel in the world that does not. That is not very clear about that. You need to pay it off every single month then is the only way to make this work. So the, the will they make it look so easy? No, you just manage it. You budget, you just be an adult. And clearly you have been incapable of being an adult with your debt, which means you should never open a credit card again until you guys are a hundred percent knowledgeable about where every single dollar, every single cent goes. Once you know that, then you can manage your credit card. But look, you're not even making your payments, man. I've been making your payments. And it started with that Costa Rica trip.

[B]

Yeah.

[A]

At that time, 540 credit score. Good luck getting the house for a kid to grow up in.

[B]

It got increased the limit and then I was able to open up, open up some other cards. And me and her had just graduated high school and we wanted to go on a vacation. I had went to Costa Rica when I was 13, so I wanted to show show her it. You know, we had been together for so long and we planned on moving out eventually from my parents. I wanted to take a little vacation.

[C]

And we went and I got a promise ring.

[B]

We spent about like 5 grand on that trip. About a grand of it was promised.

[A]

To never pull out. Lived up to it.

[C]

Amen.

[A]

But yeah, you're really gonna have forever kids, right? Just kids until you're just no longer.

[B]

Vasectomy.

[A]

Okay, there you go. That might be the way to do it. But. But you know, at your guys's rate, that means we're probably having a kid like next year.

[C]

Hopefully no more scares.

[A]

Hopefully like Two years, hopefully, but not with the way you practice. Okay, tmi, but I don't give a fucking. Already have permission. You guys. A lot. Okay, then a kid is probably gonna come.

[C]

Well, it's like. Like, he pulls out, so, like, it's safer.

[A]

But look, we literally have a child. Do we not have a child?

[C]

No, we have slept.

[A]

Oh, well, what's. What if he slips up? Slips and slips up.

[B]

The goal is not to.

[A]

Guys. Oh, my. I love it. So we're having a kid next year and then a kid the year, and we can't even afford to have a single kid, so good luck. We're not paying our credit cards on choice. How's the job market in Lafayette? Because it's in a declining state, and honestly. Exactly. So why are we in Lafayette? Why aren't we moving to.

[B]

We want to get out of there.

[A]

Yeah. Why aren't we moving to, like, Houston? That's what we're thinking about, but, yeah, not necessarily. There might be more opportunities there. You're in a declining city in a declining state.

[B]

My positions in Houston and Austin, same position. Pays 5 to $10 more an hour.

[A]

Well, okay, yeah, but cost of living is high, but I'm looking for future job opportunities probably outside of the fast world. Unless you're actually getting into that storm manager position.

[B]

I am, like, active in, like, going to leadership events and stuff.

[A]

Okay, well, keep that up. That's actually pretty good. I. I like that.

[B]

I've been working there since I was seven.

[A]

Make those connections. I mean, it is a pretty good place.

[B]

That's where I've kind of gotten all the opportunity from.

[A]

Like, the operator.

[B]

Our new one. Yes.

[A]

Okay.

[B]

The old one was horrible. He was the one that first owned the ones in Louisiana. Well, he could only own three, and he built a new location on the South Ridge side and got that one and gave up ours. He never cared about our store.

[A]

Not really in a good place again. It's just like.

[C]

No.

[A]

Baton Rouge. New Orleans is kind of. It's a cool place.

[B]

It's considered happiest city in the U.S. which one? Lafayette, where we're from. Look up the happiest city in the United States. I think Lafayette will come up, he thinks. Or what it's called. I've seen it before.

[C]

Oh, really?

[A]

Yeah.

[B]

No, not to defend.

[A]

I thought you didn't see the highest suicide rate. I'm just not 100% the highest suicide rate. Fairmont, California, ranked the highest. You know, it's interesting. Worst. Shreveport, Louisiana.

[B]

Real close. Don't go there.

[A]

Happiest cities, Fremont, California. San Jose, California. Madison, Wisconsin. Overland Park, Kansas and San Francisco, California. Worst Detroit, Huntington, West Virginia. Shreveport, Louisiana. Cleveland, Ohio. I would be from Ohio as well. I would just end it off Montgomery, Alabama. So I don't know what the you're talking about. Declining job market, declining stage.

[B]

It might have been a local news station, I don't know.

[A]

Yeah. Okay. Now obviously the kid was born last fall. Have we had a scare since then?

[C]

No, no.

[A]

Little spooky scare.

[C]

Well, I'm breastfeeding, so it's like a natural.

[A]

Yeah, but it's not 100%.

[C]

But it helps.

[A]

Okay.

[C]

Anything that helps. Well, besides the condom.

[A]

Are you anti that?

[B]

We're both anti condoms.

[C]

It makes it awkward.

[A]

Southern sex ed, ladies and gentlemen, makes it awkward. Okay, guys. Oh, we are. There are babies coming, ladies and gentlemen.

[C]

They're gonna be beautiful.

[A]

It's okay. We have a declining birth rate. We gotta have irresponsible people somewhere. Apple card. What's going on with this one?

[B]

So that was actually one that I opened up after my discover. They like had instantly.

[A]

So this is yours again?

[B]

Yeah, it gave me like a 3,000 limit and that at the same time.

[A]

Shouldn'T matter if you're a responsible adult.

[B]

I had opened it before a Costa Rica trip, so all the hotels and stuff I had put on those.

[A]

And how much of this is gonna be stupid Costa Rica? And it can't even be 100% because guess what? The other one wouldn't be over the limit if it was just Costa Rica. And then since then we made our minimum payments because you wouldn't be at the limit, you'd be under the limit. Okay, how long do you think until the last card is paid off? If you make minimum payments only without making purchases, which One, you're incapable of when you room to spend. And two, you're incapable of also making your minimum payment. But go ahead, let's pretend perfect world. You make your minimum payment, don't purchase. How long does it take to pay off?

[B]

It's probably 20 years.

[C]

30 years.

[A]

11 years, which is still horrendous, but.

[B]

Yeah, it's still horrible.

[A]

11 years for this one. A $528 minimum, but that's. What's it normally. I'm assuming this is because it's also late. You're making it worse though. What's our. Okay, how about this? Tell me what your plan was because we've been not paying for two to three months. What was our plan? Because the catch up was insane. The catch up payments on these would Be insane. So what was the plan? Obviously, you don't have a plan because you don't know about a single thing.

[B]

Hopefully soon I can pay off a little bit on the payday loans. And that's our plan.

[A]

Our plan is making payments that we're not paying. Come on. How were we making payments? What was your plan gonna be?

[C]

Using our tax return.

[B]

Pay off the payday loans as fast as possible. Because those are taking out, like, one of the payday loans is taking out, like, $800 a month, $400 a month.

[A]

Are you making payments on the payday loan?

[B]

On the payday loan, yes.

[A]

Okay.

[B]

Payday loans are off.

[A]

Tax return. I appreciate. Has it hit yet?

[B]

We're waiting on it.

[A]

How much?

[B]

It's going to be like four and a half.

[A]

Child tax credit. Yes.

[C]

Hell, yeah.

[B]

And I'm going to use some of that for one of Southern United States.

[A]

Ladies and gentlemen, every single time. Yikes. Is that the only reason we kept it to term?

[B]

Cap to what to term?

[A]

Oh, my.

[C]

Yes.

[A]

He's covering her face. She can't even. What the nuke, Louisiana. Let's just call it. Let's call it. Let's go down to 49.

[B]

49 what?

[A]

Oh. Oh, please kill me now. Lindsay, what have you brought into my office? Stay at Chick Fil a. And that's not a bad career. That's not an insult. I love hospitality. I'm just afraid of you being at something different and interviewing for it. Okay, so the Apple card, what were we putting on there? What's even the limit on the Apple card?

[B]

Do we know? It was three, but then it got.

[A]

Up to four, and now we're at 426. So we're above the limit.

[B]

Yeah, general.

[A]

I mean, I'm told we're getting, like, air fryers and appliances and washer and dryer and dresser and TV and dining table and chairs. Thousand bucks for that. Three thousand for the other 800. $500 for decor.

[B]

Well, that was spent all after, so we spent all that afterwards.

[A]

Yeah. But closer to today, after I got.

[B]

Back from Cali and she was Pay the cars and I had got a job back at Chick Fil A. I was making good money because I was a manager before I got devoted to.

[A]

What did California call it? Cali.

[B]

I. I tried to.

[A]

I was going to say, I've never heard in anyone in the world except for these two call it Cali, but we're very stuck on the Cali.

[B]

It's Cali.

[C]

California.

[B]

California is just too long to say.

[A]

But it's also what everyone else has. Okay, go ahead.

[B]

Cali and I started doing when words.

[A]

Are hard, we do try to keep them.

[B]

Well, I started doing the Snowball method, and I was able to pay down my utilization from, like, 80% to about, like, 45.

[A]

She knows the Snowball Method, ladies and gentleme. He knows the Dave Ramsey. He knows the financial audit. He knows the credit card channels, yet he takes the information. He's like, oh, people have changed their lives with that. Let us do the opposite.

[B]

I guess it's just more of when we would impulsively want to go on a date or go and buy something at the store. Like, there was a time where we were spending a lot of money on, like, squishmallows and stuffed animals, and she think it was squishmallows, like a stuffed animal. They're cute and they're huge, but they're.

[C]

Like $30 a piece.

[A]

Maybe focus on the sentient being in our house.

[B]

Well, we didn't have her then.

[C]

Yeah, yeah.

[A]

But it was definitely coming the way you guys were doing things.

[C]

Definitely.

[A]

Listen, the decor in your house was just ended 2023. It's like, well, she has to decorate.

[B]

All the space in the house.

[A]

Has to. That's a need for survival.

[C]

It makes it a home. You guys live there.

[A]

A roof over your head is what matters. You guys, instead of a roof over your head, you're over your credit card balance limits. That's where we are. Okay. And I think maybe financial security for the sake of our kid is more important.

[B]

At the time, I just wasn't thinking about that. I wasn't thinking about the future, clearly. But at that time, I was in a mindset. You have high limits. You have income. The minimum payments aren't that bad. So you think you could just spend, spend, spend. But then once you spend, spend, spend.

[A]

It gets to this point, yes. You're not spending on this first two credit cards, but you're already 300 over on both. You can't spend. You would still be spending if you could. Like, that has not changed. Let's not try to be. This has been. Listen, you would be doing it today. Your behavior has not changed. In fact, you've just deferred to something worse. Fees. That's gonna hurt your credit eventually.

[C]

Money.

[A]

Oh. Huh.

[C]

More money.

[B]

Having to pay.

[A]

Yeah.

[B]

Having to pay more money.

[A]

Yeah. Okay. Yep.

[C]

Just going further and further into debt, like with the late fees and the interest.

[A]

Listen, I'm thrilled you agree with me on that point. Everyone would. You walked in here with that and did nothing to change that, not even a day before. So what the. Agree with me. All you want to look good, but you guys are doing this.

[B]

My goal with my next paycheck, though, is to make sure, because I know after like, three months, they close. I'm gonna try to keep them, you know, caught up to the point where they don't close. And then hopefully I get to a point where I can start shipping more. I've been working more hours, so some of my checks have been upwards of more than 2000. Around 2100. And then her working now, she said she's going to start, you know, helping catch up on the cards and stuff like that.

[C]

Well, when we get back, we're getting a joint bank account to start. Yeah, that's going to be our start. And writing down everything.

[B]

Yeah. Actually having a budget, because it's only.

[C]

Yeah.

[B]

Budget we ever used is make sure the bills were paid even though they were.

[A]

How much do you budget on this?

[B]

We don't.

[A]

2018. Tick tock, dude. Haircut.

[B]

We don't budget at all.

[A]

I mean, I know that perm's expensive.

[B]

It's not a perm. This is all natural.

[C]

Yeah, yeah, yeah.

[A]

Well, no, yours looks real. Yeah.

[B]

How does mine not look real?

[A]

Because it's almost just, like, too much.

[B]

Well, you know, it's just product in it. But my hair is natural. I just cut it too short of it. My hair was like, almost.

[A]

We're not talking about hair. I don't give a. I was making a little joke. I can get these guys to go down any rabbit hole except for the ones where they pay off their debt and take any kind of responsibility. $84 of interest accruing at 26.24% interest rate. Huh?

[C]

Continue.

[A]

I heard something.

[C]

I just. I'm just.

[B]

What, at the fees?

[C]

Yeah. Just in disbelief, that's all.

[A]

I feel like you guys communicate with each other in some language that none of us know we do.

[B]

We can, like, communicate without talking.

[A]

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[C]

I guess we've been together for so long you're just so connected to her person by blood. What are you hail to the no.

[B]

We'Re not in Alabama or in Louisiana.

[A]

You know is defer to the next one down the ladder $854.91 with a minimum monthly payment of $81. No. What's the normal one because again this.

[B]

Is fees probably around 40. Looks like 30. All the capital were like 35.

[A]

40 again no spending. Why? Because we're $50 over the credit limit. 854.91 to the balance credit limit 800.

[C]

How many are you behind on?

[B]

Okay, so she's on all of them.

[A]

So she doesn't know. Is she not allowed to know or what's happening?

[B]

It was until recently that I told her that.

[C]

No, it's not that. It's just I just. We just. He just. We just don't have conversations about our finances. We really don't. We just take care of our own bills.

[A]

Listen, we kind of already went over the why he thinks he's not bringing it up again. I think I asked this but I didn't get an answer. Why don't you try to take some initiative and ask.

[C]

I just have other things to worry about.

[A]

Yeah, I think whether or not we lose the roof of our head and have food on the table is a pretty important one. Also diapers for the kids pretty important.

[C]

And the development of my child is also very important to me which we.

[A]

Need money to do so and Karen love and care and love. It's hard to give that without a roof and food and water and utilities and electricity and.

[C]

Right.

[A]

Everything basically car to transport them in. So why the have you not you just don't care? You don't care.

[C]

I'll ask every now and then but.

[A]

So what's the ask?

[C]

Just how much is on this card? How much is on that card.

[A]

How does this conversation go typically?

[B]

I mean recently the past six months it's really just been no conversation because it was they were maxed out and then I Was just paying minimums, and we were just.

[C]

I would ask if we needed.

[A]

You would just accept that.

[C]

I feel like you're just.

[A]

You're too accepting. You're just like. Because you like the dude, you know? Yay. Freshly married new kid. Yippee. So it's like we're not willing to push back on anything, especially out of our fear of confrontation.

[C]

I guess I just trusted him.

[A]

Him. Okay. And you still trust him?

[C]

Clearly not. Clearly. I shouldn't.

[A]

I'm asking, do you trust him?

[C]

Not with the finances, no.

[A]

Okay. Because he literally went behind your back.

[C]

Yes, I know. Very disappointing thoughts. Very embarrassing.

[B]

Embarrassed and disappointed myself that I asked.

[A]

You, and it says you're disappointed in yourself. She does. Your wife does not trust you with money, and that's it. Little disappointment. That's all you feel.

[B]

Just regret that I even went down that hole and never had those conversations with her and never was open and honest about what we needed to do in certain situations, dire or not, when it came to finances. And I should have had those conversations, and we didn't. And, yeah, it was in a sense of. I guess at the time I was justifying it to make sure she wasn't overwhelmed. But now I feel like it's gonna just put us in a more overwhelmed state at this point, you know?

[A]

How does he win back the trust?

[C]

Well, one. The joint account. So I can see everything that's going in and out and budgeting and making a list, because I just can always.

[A]

Do things behind your back there. How do you gain the trust back? Joint's great, but he can do anything behind your back.

[C]

Just go through the statements.

[A]

You know, There hasn't been any known cheating, correct?

[C]

No. God, no.

[A]

Never. Okay.

[B]

Just making sure.

[A]

Well, listen, you took up payday loans behind your back four times, so that's.

[C]

Different than infidelity, but it's in the.

[A]

Same area financially, mentally, of like he was willing to do something pretty egregious behind your back.

[B]

It was in a sense of not putting stress on her, though. I didn't want to tell her. Oh, we can't afford the first month's rent on our apartment.

[A]

I don't give a. You virtuous little defensible guy. Sure.

[C]

Still did it.

[A]

You still did it.

[B]

Decisions were made, and now we're here. Bad ones. Real bad ones. Great.

[A]

We can all agree.

[C]

Fees.

[A]

Fees forever. Interest forever. 29.74% interest. And again, it's the. The. The. The date thing. It's not. I'm. A couple dates a month, you know, Out. Can whatever get in a triple dipper? Like, sure, we can do that. That's okay. That's not obviously what got us tens of thousands of dollars into bad debt and not making payments. Okay. So that. That's not the issue. How. I mean, how often are we going off? Well now, none. But you said dates got you into.

[B]

Like this card's hole and dates and just we.

[A]

What were we doing?

[B]

Enjoy shopping.

[A]

Just how often, though?

[B]

Oh, once a week.

[A]

Where?

[C]

Once a week. Twice a week.

[B]

Once a week. Going to a restaurant.

[A]

Where are you going? What are you spending?

[B]

We would go to restaurants and then. But before the restaurants, we would go to like.

[A]

Okay, Olive Garden. That's not horrendously expensive.

[B]

Target spend money there.

[A]

Also not horrendously expensive.

[C]

Yeah, yeah.

[B]

Usually I guess it's just a. Like a. A pile of small things that just add up over time.

[A]

Yeah. If you do it a ton throughout the week. If it's once a week, it wouldn't.

[B]

Because one of our things is. Is like always buying stuff that's like cheap or at clearance price, but then we buy more of it or a bigger quantity of stuff, and then that adds up to be more than what we would have spent somewhere else, you know?

[A]

Okay. Another. Discover it. Does that mean this one's yours?

[B]

That's hers?

[C]

Yeah.

[A]

That one is 9.93 actually under the credit limit and a minimum payment owed. Maybe you should be the one that's overcharged with the finances.

[C]

H. I've never had a missed payment or a late payment I haven't had.

[B]

Up until now the past few years.

[A]

Are you ever gonna give me your guys real thoughts out of non. Like pretending like you're not afraid of confrontation. Cause this dude is up all the finances. You've never missed a payment. And we're totally chill. We're totally chill.

[C]

I just feel like, like at the point where I did kind of get information on our finances, it was too late. Like we were already. So there's. I felt like there was. I had no control and I couldn't do anything about it.

[A]

No, I'm still not making payments now.

[C]

Yeah, I know, but like I said earlier, I don't have the funds to fund him. Like, unless my stuff paid off. I know.

[A]

It's not about that. It's about the actions he's doing affecting your household, not about what you can do. You're not advocating for yourself at all or for the household or for the kid. Minimum's payment, $37 interest accruing $21 takes 7 years to pay off at this rate.

[C]

Yeah.

[A]

So what's up with this? Because this was Honestly just stopped sending down this card pretty recently for it to be basically at the max.

[B]

That one.

[A]

What were we doing?

[C]

That was that one I used when we got married and I used for our daughter's baby shower.

[A]

Six months ago. Okay.

[C]

Yeah. And a little bit after for a few things. Groceries.

[A]

Is that how that usually works at.

[B]

Our house that we were at that we don't really get much financial help from Do.

[A]

Do they usually pay for their own baby showers?

[B]

Who usually pays for it?

[A]

I don't know, but I've never.

[B]

Well, your mom did.

[A]

Never pooped out a child.

[B]

Your mom's house also.

[A]

There's multiple.

[B]

There was two.

[C]

A mixed one with usually multiple men and women. And then can be.

[A]

Okay.

[B]

Yeah. Well, she came.

[C]

She comes from different sides of the family.

[B]

So there was some separation with like. The one we threw was all our friends, coworkers, how many parents and stuff like that.

[C]

I just have two sisters. One set of parents that raised me. But I have a biological side of the family.

[A]

Did they have a baby to her?

[C]

No, they came to our second one.

[B]

Because we wanted to keep those separate.

[C]

Yeah, it was.

[A]

Why do they kill each other?

[C]

It's a mess.

[B]

No, they just.

[C]

My adopted side just hates them.

[A]

Oh, good. Yeah, very healthy.

[C]

Toxic. That right there stresses me out.

[A]

He pays for a $5 rat every month.

[C]

We have a snake.

[B]

We have a snake.

[C]

His name's Bodhi.

[A]

You guys can't afford life. Yeah, and it's not gonna defend your house if someone breaks in.

[C]

We got that right after high school.

[B]

Still cool.

[A]

Before debt, it is relatively cheap. Unless you have to upgrade tanks. That kind of. Then it gets expensive.

[C]

We already had the tanks.

[A]

Yeah, upgrade. Sometimes they run out of space.

[B]

We bought a new tank for them and I probably put that on one of their credit cards.

[C]

Oh, yeah.

[A]

When that was.

[B]

That was when we were in our last house.

[C]

It was like probably during the summer.

[B]

No, it was like the beginning of us being in our house. We got a new tank.

[A]

Interest charging. We had 27.2%. Of course we did. 27.24% interest rate.

[B]

Great.

[A]

What the. Okay, you started the month above balance, above the limit. So what the was happening. You must have just been spending on this card. You started the month above the limit on which one? The one we were just. Did her discover it?

[C]

Yeah, I did. I paid it down.

[A]

What were you spent?

[C]

Give stuff for?

[A]

Give. Give stuff from my dad. Give your phone, your discover Account. Your phone.

[B]

It was probably stuff for the baby.

[A]

I'm hoping so. And I will vet. Oh, good. Back to your card next. I see. Because there's no payment made.

[C]

Oh, the Internet connection.

[A]

Why don't you join the WI fi?

[B]

Just passing that way.

[A]

There was a QR code in the green room.

[B]

We didn't know his.

[A]

Ever fight?

[B]

I don't know.

[A]

You guys fight ever?

[B]

No, we kind of try to avoid that.

[A]

I get it. But at some point, it's important to have only really conversations.

[C]

Finances is the tough conversation. We really don't do things to piss each other off or try to nag at each other.

[A]

Well, that would be very active. That doesn't mean people don't fight.

[C]

Well, no, I know.

[A]

I mean, my concern is like, that you guys aren't willing to ever have conversations at all about anything.

[B]

It is scary.

[A]

Okay, so the statement before this. Here it is. There it is. $45 to spending credit score you 6. 45. No. We went in the gas station, got something, and then we went to the candle smoke shop. Yeah, for the baby. Exactly. That was gonna happen and tell me it's for the baby. Yeah. Huh. Great. So what do you get at the gas station? Monsters are smokes.

[B]

What did we get at the gas station that day? We did get a vape at the smoke shop.

[A]

Oh, good. Why live long for our child?

[C]

I don't know what we got at the gas station. Maybe snacks.

[A]

You vaping?

[B]

I mean, on low?

[C]

Sometimes.

[A]

Why pick it back up? You went nine months without.

[C]

I did. No, I did. I did. I did.

[A]

Okay, so why not just keep it off? Why pick it back up? There's no reason to.

[C]

Mama is stressed.

[A]

Yeah, you're gonna be more stressed when you have lung cancer or whatever.

[B]

And, you know, it's definitely something we need to stop.

[A]

You do it a lot.

[B]

I vape, too. Yeah.

[A]

What you guys spend on vape?

[B]

Maybe $20 every two weeks. $40 a month. Buy one. Vape every check.

[A]

Dude. All right. Capital one must be yours. Like I said, $645.75 minimum. Three payment. What is it normally?

[B]

Yeah, those were usually 25.

[A]

Okay, $25 right now, 72. Because we're behind interest accruing, fees being charged above the credit limit. $645. 700. With the limit being $601 past doofy. Looks like. What are we putting on this? Dude? This car. This card's only a couple years old.

[B]

Is that the.

[A]

We immediately max it out. So it's capital one. Platinum.

[B]

Yeah, platinum.

[C]

I Only knew about three of them.

[B]

Everyday spending gas.

[A]

I mean, I'm being told date nights. He asked about doordashing as well.

[B]

Yeah, in our old house, we weren't cooking at all. I wasn't cooking at all. So we would doordash at night. I would go pick up canes at night. I would pick up food on the way home.

[C]

Especially towards the end of my pregnancy. Just the convenience. No lie.

[B]

I was getting it for easy, convenient. And the cards were probably 80 utilization at that time when we were spending on them, definitely.

[A]

So we bought it to the max with all our door dash. And then once we were at the max, couldn't spend any more. Any more money. We decided not to make payments on them. And now fees are accruing. It's a 31.24% interest rate. Oh, for sake. We have a credit one. That's the worst of the worst. So that's when we know we're showed up in the mail and you're like, yeah, let me destroy my life. Great. Oh, good. It's maxed out by over the limit. $110. So balance $410.79 with a minimum monthly payment of 60. No, that was the past due.

[B]

Usually 30.

[A]

Usually 30. We owe double the payment, plus more. Oh, no, because minimum fee payment is now 1 29. Because we got late fees and then regular fees and then interest. And you, what did you put on this? Probably more bull. Dumb things. Stupid vapes and bull. You just opened this one last year. Yeah, no, this one was just open to like a few months ago. What are we doing? And it's over. Maxed out already. You're okay with this?

[C]

No.

[A]

What are your thoughts? Because you're so just.

[C]

I'm just baffled. Like, I just don't know what to say. Like. Like I'm finding this out with you.

[A]

Yeah. But you're just gonna accept this forever?

[C]

No.

[A]

You're never gonna push for him to change his ways because you never confront. You never confront. He's just gonna be allowed to continue like this forever without you standing up and slapping him into shape.

[C]

I feel like when I do confront, I just get a lot of excuses.

[A]

Well, yeah, that's always been doing this entire conversation.

[C]

So it's just.

[A]

Yeah. Take some accountability for your actions. Be a, you know, adult.

[B]

I just know it stresses her out to have conversations like that and Stresses you out. Maybe it stresses you out to have those conversations.

[A]

Maybe you're a little pussy.

[C]

I'm just not a pussy.

[B]

Scared.

[A]

He's acting Like a pussy.

[B]

I guess it's more of taking that.

[A]

He is in his actions. You're saying he's not.

[B]

I think it's more of that.

[A]

Look, he's not willing to have a conversation with you. Cause he's scared.

[B]

I think I'm just scared to take that accountability from you and. And being held accountable.

[A]

Not only that, but you need to start participating. You need to be checking in on the overall finances, not just a balance of one account that you want to spend on.

[B]

Yeah.

[C]

Yeah.

[A]

Okay. You guys need to be sitting down at start multiple times a month, probably almost weekly. Then go to bi weekly and then go to monthly.

[C]

Okay.

[A]

I mean, again, all this would be automated. You'd know it all if you had the budgeting apple. It's all automated. It's there. It tells you everything.

[B]

I just. With being in so much debt, I didn't think it was a smart thing to get another monthly subscription or something.

[A]

Yeah, but it's a monthly subscription that people have that then they pay off tens of thousands of dollars in debt. It costs us money to have it every time you connect an account. So, yeah, every time someone has a free account, it costs us money too. So, yeah, there's going to be a subscription, but people subscribe, you know, a few bucks a month and then they pay off thousands of dollars. It's good math.

[B]

Yeah, I know. That one was a dumb one to take out.

[C]

All of them were so amazing ones.

[B]

Where you just go on credit karma. And it's like, oh, you're approved for this one.

[A]

So you just take everything you're approved for and instead of paying for a monthly subscription, that helps you. You get versus.

[C]

You and the vapes.

[A]

Yeah, me and you. Living past 60 when you have a kid, that's a weird no.

[B]

I agree it's something we need to.

[A]

Stop, but you don't. Words are great guy actions. Let's have those for a change. Okay. Must be yours because. Oh, this one's even an extra bonus. We are above the credit card limit, of course, because, you know, it's the quicksilver. But we also purchased. We also purchased $15 with six. What's your normal monthly payment? 25 probably good minimum.

[B]

And then I don't know what the purchase was, though. I was gonna.

[A]

I'm about to tell you, if you have a little bit of patience. Calm down. 334.56. Balance fees, interest. He went into Circle K and got some bowl.

[B]

Circle K. It was probably gas. I don't go in the circuit. I don't go inside of circle case.

[A]

I mean, it's possible. I don't know. Yeah, I'll take your word for it. But you still put it on credit card. That is now over max. That you can't pay off. That is green. It's just that you're not making minimum payments on. Which means it is accruing fees. You're doing that. Oh, here we go. The big daddies, the payday loans. What's the balance of it? Not even now?

[B]

What? What? They were when I got them.

[A]

How about now? Because we're talking about now. And I also said Now I finance 500, but I. What's the balance now?

[B]

Total of payments is 1900 balances.

[A]

You don't know the balance. How far. When did you get this?

[B]

Which one is that?

[A]

Oh, I just showed you cred.

[B]

Like credit ninja, buddy.

[A]

I just showed you. Take a look again.

[B]

You prove it. I took that one out. That's the. The one she didn't know about. That I took out when we got into our new apartment.

[A]

When did you take this out? Was the question?

[C]

November and January.

[B]

Oh, December or January.

[A]

This year?

[B]

Yeah.

[A]

Oh, good. Okay. So the balance is gonna be like high.

[B]

Yeah, yeah.

[A]

It's probably like.

[B]

I don't.

[A]

With the finance church and the. Listen, it is at a 547.87 interest rate of death. Death.

[B]

I didn't even see that until 500 paid 2000 back.

[A]

I don't know. It's probably at a thousand dollars now with interest in the. I'm just gonna say I, I, I, I, I. I don't know. I don't know. I don't know. You don't know? You don't know?

[C]

I definitely don't know.

[A]

Why don't. Well, here, let me tell you. The minimum payment is $108.84.

[B]

Every check.

[A]

That's bi weekly.

[B]

All of them. Are you. Everyone is bi weekly.

[C]

Oh, God.

[A]

God.

[B]

That's why I said one of them was passive.

[A]

You just allow this? You allow this? You allow.

[C]

I don't allow it.

[A]

I didn't know, you know, if he cheated. If he cheated on you and he's not going to, and I don't think he would, but honestly, I don't know. He is in that kind of realm of whatever. Either way, let's pretend he's not. If he did, you would just be. I don't know. That's it. That's. That's how the conversation would end up. That's it. There'll be no talk. Let it be Nothing. And he'd be like, I did it so that I didn't hurt your feelings by asking for a lot.

[B]

Having to move out with a month old baby.

[A]

You're right. He'd use that excuse for why he's someone else.

[B]

And I did. I wanted to make sure we had a roof over our head. And it was a dumb decision.

[A]

Am I hearing the same thing I've heard 10 times?

[B]

Yeah.

[A]

Oh, good. Copy and space. Good, good. Copy and paste. Well done. Keep it going.

[B]

I just wanted to make sure that bills were covered. It was all used for. None of it was mindless spending. It was used for rent and things like that. But.

[A]

Enough with you. Quiet. Now they're telling me, the producers are telling me that your wife. What is it? Dolores? No, Bianca. Who knows? Su, Some weird Southern name, doesn't know that some of his money went to getting a dog. Some of this money do you approve of? Yeah, payday loan for dog.

[B]

But like she said, somebody had broke into our house, so she wanted. She wanted to make sure that there was something there to keep company and have like, just awareness. Because the dude was just.

[A]

They loaned it you. I get it. That would scare me too. Gun over a dog, but I get it. I mean, people still break in the house with dogs because most dogs are just.

[C]

They'll just sit and get there. I was sitting on the couch and he just came like behind me. Like, there was no, I can't grab a gun in that situation. No, he took my deodorant.

[B]

It was a kid that was like sleeping in.

[C]

He didn't have no time to rob me because I caught him in action. I turned around and seen him.

[A]

Did he need it?

[B]

I don't know. They said he was sleeping in other units. The kid was like 16. We pressed charges and everything. We don't know what it was. Went to. They said they had to find a guardian because he didn't have parents, but pretty much I had left.

[A]

Well, you press charges and you haven't heard anything, then nothing's happened.

[B]

Yeah, I left for work and then he apparently got in the back door somehow without, like breaking anything, and it was. He woke up while the baby was still in the room.

[A]

Very spooky. Very spooky. I get it. Listen. But a lot of dogs, I mean, this is what happens. Let's just be honest. Today would probably just be like, oh, yay, a person to pet me. Yeah.

[B]

But at least, like, you would know someone. It would go to the person. Like, she had no idea. He was just sitting in the third bedroom for 20 minutes, you know, so.

[A]

We took out a payday loan. That is very scary. I get it. They're telling me you didn't even leave work. When she called, though, and said, there is someone in my house with our.

[B]

Baby, it had took a second because it wasn't even registering in my head.

[A]

There we go. Well, an actual emotion for once in her life.

[C]

Yeah. That kind of pissed me off because I. I mean, I called him and said, the door is open and there's shoes pointing in. And he was just like, yeah. I don't know. Maybe it's like the homeless dude. What?

[B]

I didn't.

[C]

But the door is open.

[B]

And Granny. This was a meeting. Right when I got my promotion back and I was going to the meetings, trying to, you know.

[A]

Yeah. And there was not a single manager. There is not a single manager that would not understand.

[B]

They understood and I left. And I was the one that.

[A]

After how long? Because it sounds like not.

[B]

She called two minutes later when she actually realized he was in the house and walked. And then I called the cops.

[C]

Skipped around my rug like he'd been there before. And he just shushed me. Like I turned around and he said, shh. Skipped around my rug, gave me a little smile and shushed me again.

[A]

Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire Internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by. By far. So I'll teach you how to budget no matter where you are in life, how you should be investing based on your investing profile. And how to get into real estate for the very first time. Or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people, people who have gone through my educational programs and have changed their lives. And to learn more, just go to caleb hammer.com or just click those links in the description below. Man, he was just around. He was honestly just entertaining himself.

[C]

No, honestly.

[B]

Yeah.

[A]

Because he didn't steal anything.

[C]

No.

[A]

Yeah, no, he took it. He just wanted to throw.

[C]

Hey, go ahead. Get some charges against you.

[A]

Maybe. I don't know. When did this happen?

[C]

In January, middle Of January.

[A]

Okay.

[B]

But yeah, it does.

[A]

All right, so that's a horrible payday loan, as I'm sure these all will be because. Here we go. We continue. Yeah. This one said worse. 779.68% interest rate. What the. What are we doing with our lives, guys? When did you take this out?

[B]

Is it Lucent? I don't. Whatever the name is. I'll be able to.

[A]

Bear Claw.

[B]

Bear Claw.

[A]

Bear Claw.

[B]

Credit Ninja.

[A]

Bear Claw. All right. Knowledge. I'll have you look at it. But it says Bear.

[B]

The Lucent. Yeah, the Lucent Cash. So I took this one out at the same time or similar time.

[A]

For what?

[B]

It was for electricity.

[A]

Well, we still spent all our dumb spending. Okay. Yeah.

[B]

And rent. Cuz the credit Ninja one as well.

[A]

We still spent all our dumb money. Okay, this one's probably at a thousand dollars too then. Because it's basically the same. It was just a 500 little. It's insane. You're gonna pay back 2,500 for this one? What the. This one's $136.33 every other week.

[B]

Yeah.

[A]

If I had no morals, man, I should have just gone into the payday loan business. Let me tell you, just delicious money. $272.66. Did you even know what you were signing up for, man?

[B]

No.

[A]

Why? Why didn't you ask? You didn't even ask. You was just wa. What did you think was.

[B]

Everything was online. There was no calls or anything. It was an online application.

[A]

Like Google it or GPT it. Like what would be happening? Rocket. Anything. It you could. Chinese Blue. Whatever it. Like you can learn about one of them. I kn.

[B]

A 200% interest.

[A]

And that's okay? We're okay with that? We accept that.

[B]

And the other ones? I didn't look into it. I. I didn't. I wasn't even aware until I printed those PDFs out and realized how horrible the interest rate and why the payments were so high.

[A]

Have you ever cried?

[C]

Have I ever cried? Yeah, here and there. Yeah. I cry when my daughter was born.

[A]

Out of pain or excitement?

[B]

Excitement.

[C]

A little bit of both.

[A]

Both. Okay. But do you ever like sad cry?

[C]

No, not really. I grew up with like all brothers, so I'm pretty tough.

[A]

Like, is it tough or is it.

[B]

I am more the emotional one.

[A]

Something?

[C]

No, I just.

[A]

Cuz you don't seem to experience emotions.

[C]

I do experience emotions, but I just. I don't know. I don't cry. I don't like to cry. Who likes to cry?

[A]

Crying can Be good.

[C]

I mean, yeah, just take you a nice relaxing bath.

[B]

Don't cry. Like when she gets overwhelmed with the baby and stuff like.

[A]

That's crying.

[B]

She does still cry.

[A]

Yeah, yeah, that's still crying.

[B]

She's not.

[A]

Just make sure you're capable.

[C]

Well, yeah, of course.

[A]

Of feeling things some people don't.

[C]

Sociopaths, maybe.

[A]

Well, I didn't want to say the word because it comes across a lot stronger because you'd think I'm, like, throwing something to you, whereas it's more of a medical term. But I'm not diagnosing, just asking. Oh, yeah. Let's continue with the 200 interest rate loan. So this is the one. You understood the loan. Okay, so this is cash. Not first electronic bank or ninja.

[B]

Oh, no, credit Ninja. That one was.

[A]

Would you take this out?

[B]

My dude took that out right when we moved into our apartment. That was the one I used, buddy.

[A]

I don't know when the that is. When did you take this out?

[C]

It was end of November.

[B]

End of November.

[A]

December, Thanksgiving. I'm guessing this one's probably at like 2,500. Yeah, but you're gonna pay a total for borrowing. 1400. Total back of 4,500. Minimum monthly payment. It was a long episode, isn't it? $226. So what was this for? This was a very different time because.

[B]

We moved in literally Thanksgiving week. We are. Our lease ended.

[A]

Okay.

[B]

And our lease started.

[A]

Let me ask you guys, because my. My fear is with how you guys are doing things and, you know, not budgeting and stuff. Have you guys ever been close to losing a roof over your head?

[C]

This in our last.

[B]

What's coming up in October?

[A]

There you go. You almost got evicted.

[B]

Yeah, that's why I picked out the first pay.

[A]

That's exactly what the. I'm talking about here, guys. And then you're just prioritizing call. This is. It just doesn't make sense.

[C]

Of course.

[A]

You've almost been evicted before 21. And you've almost experienced an eviction. Come on. What are we doing? You have a kid. And by the way, at that time, you at least knew there was a kid coming.

[B]

We did. Well, we didn't know until literally a month after we moved into the house. But then two months after the friend didn't pay his obligation or stopped living there.

[A]

Doesn't matter. We've already almost faced eviction. Yeah, come on. We're around with our money the way.

[C]

And now with his raised, like, we don't know if we're able to stay in Our apartment now because he makes.

[A]

Too much go to a two bedroom. Did we not have this part of the conversation too? We have to loop. Are we looping? Do we have to go back? We go back in time.

[B]

Yeah but our debt to income ratio like you have to make three.

[A]

You're right.

[B]

It's yeah. And that messes up the three times rent because I'm paying so much rent.

[A]

No, you're gonna have to shop around like crazy. You're gonna have to shop around like crazy.

[B]

That's why we were only able to get it all affordable housing apartment.

[A]

Well you're probably.

[C]

That was before your race.

[A]

We were probably going to have to mom and Pa landlord but honestly they probably won't trust you. Why would they? They're going to look at your credit be like oh this guy. What's the rent going to go up to?

[B]

What would rent go up to? Or.

[A]

Or they just kick you out.

[B]

They would. I don't know. It says it auto renews. I have to look at the lease and see what we would have to do to renew it or if they reach.

[A]

When is it up again again?

[B]

October.

[C]

October.

[A]

Okay we have a little bit of time.

[B]

October.

[A]

Okay okay okay. We almost experienced eviction me first month's rent payday loan. You're going to do that again?

[C]

Hope not.

[A]

And what are the other options? Where's grandma Grandpa of any side?

[B]

Both yet.

[C]

Yeah. We all have our families. We have our families down there. Yeah.

[A]

Do they work full time?

[C]

Yes.

[A]

How old are the ages?

[B]

They're in their early 50s.

[C]

Mine too but they work full time. All of them.

[B]

My parents had. They knew the situation we were going through from house to apartment. They offered to take us in if we because we literally got approved two days before we home.

[A]

One thing we might have to do a couple days a week and I know this is hard but might be dropping off the kiddo at one of the grandparents houses in the evening and then you're picking up a job. You're getting back out there. Unfortunately. Know it's a hard situation but you guys have put yourself in this situation. Like this is what you guys have.

[B]

Chosen in this situation.

[A]

Okay. Okay. So that is that the only is that the rest of the payday loans. Okay. I have a 32.88 interest rate loan of something that was you.

[B]

That whole loan was used for the security deposit of the house that me my friend crazy my friend had said he was going to have the money to go and then he didn't. So I took out that line because if I hadn't, we wouldn't have gotten the house. And. Yeah.

[C]

I mean, but in that point in time, we really didn't need to move into a house.

[B]

I know we couldn't afford it.

[A]

I just. I don't know. You guys just finance everything. This is. What are we doing? Okay, one main.

[B]

Doing it on the assumption that. That Andrew was going to be paying his half, and it would have been at what we're at now. But then also cost of utilities and everything else.

[A]

$1,670.61 minimum payment. $79.57. The interest rate is crazy. And this is going to last forever. You guys had no plan. You were just hoping. You were just hoping. And you agreed to all these debts that have been taken out other than the payday loan. Like, you guys sat down and talked about them?

[C]

No.

[B]

No. Not really. Like, whole conversations. No.

[C]

No.

[A]

What the Are we doing?

[C]

Not since he was in Cali, California.

[A]

What the. No. How are you guys get. How are you guys gonna make it?

[B]

It's scary.

[A]

It's scary. That's a great response.

[C]

This is gonna be our turnaround.

[A]

Now with the actions you guys have shown.

[C]

So far on the yellow Brick Rogue.

[A]

The producers are calling this guy a monster. Oh, wow. I wasn't gonna say it, but one of them are saying that you're a monster. Dragging her down. That's their opinion.

[C]

Beauty and the Beast.

[A]

Incapable of advocating for yourself. You just don't give a Anything. You don't give a. You just let everything happen.

[B]

We should have had more conversations. It's. It's a lack of I. We're scared to communicate about it, and this is our first time really having conversations about it, and it's uncomfortable, but it's the uncomfortable conversations we were supposed to have. That was the first payday line I took out.

[A]

Great. Okay, when was this?

[B]

Right before we got. Well, it was during the eviction situation. I used that so we didn't get evicted. So.

[A]

Buddy, you do not know how to say when. When I asked when.

[B]

October.

[A]

Oh, gosh. This is also recent. Okay, on the balance now at least I can see the balance on this one is $2929.84. Can't even see the interest. That's probably insane. The minimum. Minimum monthly. 385. Or is that BI Weekly?

[B]

BI Weekly.

[A]

385. BI Weekly, BI weekly.

[B]

Whoa. Bi weekly.

[C]

Once we clear it up. Like we're gonna.

[A]

Once you clear it up. Good luck, though, lady.

[C]

Yeah.

[A]

I don't know, man.

[B]

That's the one I was talking about is a loan.

[A]

Why'd you choose not paying the credit cards over not choosing the payday loan?

[B]

Well, I thought. Well, the payday loans, they're like taken out of my check automatically. So like most of them, I can't go and.

[A]

Oh for.

[B]

Can't stop.

[A]

You've signed up for those.

[B]

I can't stop them. I can't even stop the payments on them. They don't let you miss, like skip a payment or like pay later. None of that.

[A]

$770.60 a month is the minimum payment on that bull. The. Are we doing good? You guys have put yourself in a permacycle.

[B]

It's bad.

[A]

It's bad.

[C]

It's rock bottom.

[B]

But at the time maybe we had the baby just born. We're trying to move. It was.

[A]

Let's hear some excuses. Go ahead. You're a professional at that.

[B]

Impulsively ramble it off.

[A]

Is this all. Is this what he's like every day? Just excuse, excuse, excuse. Never. Not even a silver chain. You don't even have a damn chain. You have like a steel chain. Silver chain or steel chaining. That's what I'm dealing with. A steel chain kind of guy. Well, good news. You can actually borrow more on this if you wanted to.

[B]

Never.

[A]

Yeah, it's at a 300% interest rate. Oh yeah. One of producers said that it was one of the most episodes they've ever worked on in terms of finances ever in the history of this show.

[C]

That's the first for everything, I guess.

[B]

Not proud of it.

[A]

See, that's what. What the. How the deal with that.

[C]

Just like you don't give a. I do care. I mean, it's just. We're in it already. It's just now time to get out of it. Get our plot.

[A]

How you're in a vicious cycle that you cannot get out of in your spending, which we haven't gotten to yet, but we will. Is not allowing you to. Good.

[C]

Cut back.

[A]

Yeah, maybe you should have done that. Literally.

[C]

We have a lot though this past year. We have a lot of force.

[A]

You can't spend above your limits anymore. Like you're just incapable of spending. Like. Because you are literally not allowed to. Like, it's forced. It's not behavior. You get the money back, you'll spend it. Get to get the credit limit raised. You'll spend it.

[B]

That's what happened.

[C]

Discipline. We just need discipline.

[B]

Accountability of each other.

[A]

Yeah, you guys are saying great buzzwords of what you need to do. I wish you guys would do any of it. Like. Like what the is we need a term for this. Like an. It's an accountability trope that you guys throw yourself and you throw out the words that you need to say but then you don't do anything.

[B]

It's like now that I'm realizing the severity that's now.

[A]

Yeah. Reminder. You were the self appointed head of the financial household. You should know not every number down to the cent but at least where interest rates stand. Minimum payments, the overall balance of all the debts. Oh my. Is this really anothering debt? Are we. Are we seriously going Snap finance? What even is that? I've never heard of that.

[B]

That was our co. Ouch. What did you buy the moved into our house?

[A]

Are you little tit. You little tit. What are we doing?

[C]

We also have a washer and dryer payment.

[A]

Remaining amount for maxim maximum number of renewal periods. Main amount for early bio adoption. You're probably not going to do the early buyout are you?

[B]

Oh, it's past 100 days.

[A]

So what's the balance on this?

[B]

Like 300 left?

[A]

I think it's 554.

[B]

Last time I checked I think it was.

[A]

I'm putting 554because I don't trust you. And 50 cents with a minimum monthly payment of $92.42 and that comes out biweekly. How much was the damn couch?

[B]

1400.

[A]

Then why was total paid today? Oh, cause of interest. $3,000. Jesus. For see got a you. You spend $3,000 on the couch guys by the end. $3,500 on a couch. Yeah, yeah yeah yeah.

[C]

Facebook market sounds real good right now.

[A]

Just so just guys, I don't know what to do. What are you going to do if you ever do move again? You'll just do this again. Won't have learned anything. Is this budgetable? Let's find out. I'm so curious. What the even is this invoice for professional midwife?

[B]

Oh yeah, that's our fee for.

[C]

For our daughter.

[B]

Cuz we did it at a midwife. She had a natural birth and I was only able to pay.

[A]

I wonder why.

[C]

Because that's what I wanted.

[A]

Sure. And now you owe shit money instead of putting your kids future ahead. I think a doctor can do okay. And your insurance would mostly cover it your copay, you know, deductible, who knows.

[B]

But she just all wanted to make sure she had a safe environment. And we had the conversation with the mother in law.

[A]

Historical security are. You know hospitals are historically not Safe.

[B]

They're just very loud and bright and not very welcoming to brand new baby.

[A]

I get that.

[C]

And now we don't regret it.

[A]

Of course not. I don't you guys regret any of this. Which is the problem because the fact is you guys did this. Which I'm okay with you doing this. You did this while taking out forward payday loans and a ton of other. You couldn't afford it. It is easy as that. You guys chose this and now you owe this. Are you on a monthly payment? Payment?

[B]

I haven't paid on that in like four months.

[A]

What was the minimum? What was the minimum?

[C]

No, it was like 200.

[B]

It was like 175. But I was paying 200.

[A]

Yeah, on 75.

[B]

But the balance on there is what we owe.

[A]

$5,790.72. Is there interest on it?

[B]

No.

[A]

What are we doing? Guys? Guys. Is this another one or is this the same statement?

[B]

That's the same one. It might if there is interest. But I don't think there is.

[C]

I don't think there is for the next few years or something like that.

[A]

There was two separate accounts. They were combined. Oh my. You creatures. Money owed to family. $740 for what?

[B]

That was probably around the eviction time in September, October where I was asking family members for money and then $740.

[A]

Are you paying them monthly or what's happening?

[C]

And I pay my biological dad for my car. 300amonth. So that's probably what's.

[A]

Well, we'll talk about that in a second. Are you paying your family monthly?

[B]

Right now? I'm not paying anything.

[A]

Do they want you to to?

[B]

They haven't. They said whenever I have the means to.

[A]

You'll never have the means to with your spending. Good luck. Money owed to cash app for why?

[B]

That was just a borrow that I have on cash app.

[A]

Oh, is there a minimum monthly?

[B]

I think it's like 20, but it's like what the. It's like just a flat fee, no interest. So it's like $5 fee on the $100.

[A]

I'm sure there's. Yeah, $5 fee. That's what it is. And we have this stupid little tit of aing car to our dad. So is it in his name or your name?

[C]

My car? Yeah, it's in my dad's name.

[A]

Okay, so it's not in your name.

[C]

No, but I just put it in the budget.

[A]

I'm not putting it on the debt. Cuz it is not a debt in your name to. But what is the balance, we're not putting it in the debt.

[C]

6,000.

[A]

Good, great. What about you? What's your car situation got?

[B]

I drive her car. Yeah, she stays at home.

[A]

Yeah, right.

[C]

I think I got a year left to pay it off.

[A]

Checking account. Here we go. Balance is $16. How the. How the are we five in off of that? Usually it's under overdraft. Oh my fuck no guys, no. The immediate overdrafts of immediate. A tit of an overdraft. Me.

[B]

They'll charge me hundreds of dollars in overdraft fees.

[A]

Yeah, cuz you're spending money it don't have you. Yeah, I mean four, $5,000 came in, you should be able to manage that. And they're overdraft fee. A second overdraft fee. Good. New parents, barely in our 21s. Also according to TikTok, an infant child. Both of you. Oh but oh guys. Oh, you won't believe. I'm gonna kill someone. You won't believe this. But guess what? Why are we overdrafted? For a doordash dash. Pass it, end it all. What are we doing? Zelling out 600. To whom?

[B]

It might have been to pay back my brother from when I owed him. I owed more. And I had paid him back from when he had helped me with the eviction time before I took out the payday loans.

[C]

Oh my.

[A]

What was happening during the eviction time? Why did you not have money? Cause you were making money.

[B]

Well, at that time it was about three months into my demotion and my hours got cut so my pay in hours were short.

[A]

Why were you making on a monthly basis now during your demotion?

[B]

After my demotion was like $1,200 a check.

[A]

So cool. Congratulations. You probably still had enough money. Even more congratulations if you actually budgeted and even extra congratulations you would go pick up a second job. Oh geez. Cash app out $300 to what?

[B]

Probably the same thing to the brother.

[A]

Or a different family member.

[B]

Probably my father. Cause if I was ever short on electricity or something, he would send the money to make sure we get him back on.

[A]

And then he goes and spends money at Chick Fil A. Oh, but he gets overdraft to do it. He gets overdraft to spend money at his work. Oh yeah, and then Roku for spending money at Roku while we're getting overdraft. Apple bell. Apple bell. Apple bell. Hulu. Thanks. We're doing Hulu when we can afford to take care of our damn new kid. Smoke shop good. Feel the addictions that instead of our child's future in the roof over his head while we're getting eviction notices and zelling out. $15. Both of you pull up your damn phones now. Now. Now. Oh my getting a fever from this one. Listen, when you're ready to go back I'll give you a course career certification so you can get. Just give me your phone. Give you a course careers thing so you can make some money. Yeah. Give me this. Am I going to find Tinder on his phone? Okay.

[C]

I hope not.

[A]

She's not even confident at this point. Apple Music. Wait, this is whose phone is this?

[C]

Mine.

[A]

Okay. Period tracking. You don't need that right now. So I don't know why we're paying for that a ton.

[C]

It's only once a year. So I mean great.

[A]

So cancel it before it renews. Also doesn't the Apple health app do that? Then glow baby tracker and grow that's.

[B]

To track like feeding times, amount, sleep.

[C]

Everything for the baby development is important.

[A]

And then him Chronicle bill organizer use RS app that I should have Apple TV plus Great. Then he's paying for Gmail probably storage.

[B]

Because I ran out of storage.

[A]

Was paying for AI Image editor da Vinci and to browser.

[B]

That was. It's still taken out for that.

[A]

What is to browser for browser that.

[B]

Was something my brother had used and I It's just a little bit app for what the tour browser at the time.

[A]

What do you do on there?

[B]

At the time he was buying like marijuana and what do you do on there? I got some marijuana with him.

[A]

Huh.

[B]

Cuz I was from.

[A]

You don't care about anything.

[C]

He's a grown ass man. What do you want me to do?

[A]

Also I feel like he's hiding a little.

[B]

She I don't think in the tour browser her. She's familiar with that.

[C]

I knew about that but I mean.

[B]

I didn't know I was paying a.

[A]

Subscription for the tour be taking care of you.

[C]

I'm an independent woman.

[A]

You're a kid. You're independent. You don't have a job. Shut the up.

[C]

I babysit.

[A]

Yeah. $500 a month. Good luck living off of that. Hope it goes well. Sake guys. I don't know what you're doing. Okay. Any balance? $72 in savings. We're doing so well. $27 in this checking account. Zelling out payment to cash app Target Target getting Bull Target for that one. That's $5. No way. It's a necessity. Apple Bill Prox Minute Prox Minute Prox Minute B R E A U X Minute.

[C]

Brosmart.

[B]

That might be a local store that we have.

[C]

Yeah.

[A]

$6.71. Dowdo is.

[C]

No, I think that was tacos. I think that was cheese that night.

[A]

Oh you were making apple meat already. Potential bulls from Target. And then transferred from savings cuz we didn't have enough money. I guess we're not overdrafting on this one. $45 in this checking account. And there's the transfer into the checking account. No retirement speako.

[B]

No nothing. No savings.

[C]

Roy.

[A]

Is this one budgetable? I don't hate you guys so I'm going to make a budget budget. But I don't have a lot of confidence. I think you guys have yourselves for not being willing to make sacrifices in the past.

[C]

Yeah.

[A]

Minimum debt payments. Insane income again 4,300. Net debt $2,230.93. What's our rent?

[B]

1,093.

[A]

What is our utilities? Including Internet?

[B]

180.

[A]

Gas? Vroom vroom.

[B]

Drive.

[A]

Drive. How much?

[B]

$40 a month.

[A]

Car insurance?

[B]

We don't pay car insurance.

[C]

No, my dad does that.

[A]

Okay, what's your car payment though? 300.

[C]

300.

[A]

Put that there cuz it's to your dad even though it's not your name. $40 for gas. So you do not really drive?

[B]

No, I live two miles from work. I go to work back.

[A]

Maybe you should have went home quicker when someone broke in. Necessary food. $600 or is she tit? Only the baby.

[C]

We just switched a formula just recently.

[A]

Okay, how much for a formula?

[B]

On a monthly basis probably 82 cans.

[A]

Okay, output food is $700. Use our cookbook meal prep budget on cook on a budget cookbook again sign up for annual, we'll get you that signed right to your doorstep. Only way to get The Cookbook. Physical TP fund $150. Anything else you need to survive. Gonna actually do that to 200 because the kids kid medical health care.

[B]

She has private health insurance through her adoptive guy. I don't have health insurance at all.

[A]

Well do you have to pay for it?

[C]

Oh no.

[A]

Oh so he does.

[C]

Yeah.

[A]

You don't have health insurance?

[B]

No, I lost my Medicaid cuz I.

[C]

Made too much money.

[A]

Good. Get health insurance through work.

[B]

It's like $300 a month.

[A]

Yeah, you need health insurance for the sake of your kid and wife. They have life insurance on you. No, do that. Take it. It gets hit before. I'll mark your total income as $400 now. $4,000 because you're getting health insurance. Okay. CO pays and stuff though. Medications Anything Monthly basis co pay for the kid? No. Okay.

[C]

No.

[A]

No subscriptions. Pet food. How much?

[B]

Probably like 25.

[A]

Stop smacking your damn lips.

[B]

$25 on month, Jim.

[C]

No, we have one on our apartment complex.

[A]

And enjoy the metabolism while you have a phone bill.

[B]

170 now that we're with T mobile.

[C]

With a new plan.

[B]

Cuz we got close, huh?

[A]

Anything else that needs to be on your budget?

[C]

My car's ah. Just my car. That's all. Yeah. That's the only thing I can think of that comes out of my car.

[A]

Well yeah, you guys are under. Why about a thousand. Which you wouldn't have been until you took out the payday loans. And you did not need to take out the payday loans, but you did. $4,938.93. In order to survive, this is what I would do. Three options. Three options. Okay. Option number one, the one that builds the discipline that I think is going to give you a better outcome for the rest of your life. That is Mommy, Mommy and daddy watch the kiddo for a couple a few nights of the week and you go work a second job. We try to bring in an extra thousand $500 net. So you're actually going to be working a lot. A decent amount in the evenings. Going to be doing that $500 towards debt. We can start paying down debt. It's going to take a long time with that $27,000. It still takes 52 months or four and a half years and that is quicker than these other options for what it's worth. So four and a half years. Then you get an emergency fund, we start investing. That's okay. We're starting in our mid-20s. That builds discipline for the rest of our life because you have to budget in order to be able to accomplish this. Right. Because you're living on your necessities and you're going crazy for a few years and it doesn't matter because the kid won't be forming memories until you're done and anyway so doesn't even matter.

[C]

Okay, okay.

[A]

Not talking about trauma but I'm talking like don't need to be paid for.

[B]

Like daycare or something because I. Both our parents on both sides work full time.

[A]

That's why you're doing in the evening.

[B]

They, I mean they get off at like 5.

[C]

I can just find some that.

[B]

Yeah. Okay.

[A]

Yep.

[C]

Yeah.

[A]

That's what you're doing because you want to survive. Then there's another option. The shorter cut option still requires you bringing in a few thousand Bucks. But that's bankruptcy. It's going to your credit. You won't be getting a home for 10 years. And honestly, people will ask you if you declared bankruptcy for the rest of your life, but it won't be on your credit for after like 10 years. But even still, typically a shortcut option because you don't have to change your behavior to declare bankruptcy. You can go right back into debt and there will be debts that you can open right after bankruptcy. I don't advise this option until you have at minimum at least changed your behavior. And the best way to do that is again by proving the system. System. And by proving the system, you're out of debt in four and a half years anyway. So. And then the next option, don't pay the credit cards, let them go to collection. But that fix your credit for seven years. Good luck ever, you know, getting a house or anything in that time and again paying off debt is four and a half years. So I would rather do that anyway.

[C]

Yeah.

[A]

Pick up more hours. I know that sucks. Put in string. I get it. Pick up more hours. You work. You don't see each other very much for a few years. But this is what we have to do. It's this position you guys have literally put yourselves in by choice. Choice. And now you're here and it's time to deal with it.

[C]

Correct.

[A]

Join us in the post show. Lindsay's been giving me looks that she has something juicy, so I don't know what the is going on, but join us in the post show. Sign up for the elite version where there's more content than any other YouTube membership that exists on the platform. Thousands of hours, extra shows, a lot of things. Let's get that Hammer Financial score though. Spending a budget. Do you overspend? He spent 5,163. Payroll is 4,010. So zero out of ten debt. Well, everything besides IRS debt. So basically as bad as it gets. Zero out of ten. Emergency fund, nothing. Zero out of ten. Retirement, nothing. Zero out ten. Real estate, nothing. Zero out of 10. As one of the producers said. St it was like the worst they've ever seen. Yeah. Hammer financial score, 0 out of 10. Come on guys, join us in the post show. And if you don't want to be like that, make sure you download the Simple Budget app and take the annual version to get that cookbook signed and sent to your door. See you in the post show. No more babies.

[C]

Definitely not.

[A]

You guys don't understand what you're doing. Mike creates a child. Are we not clear on. This isn't another debt. We just don't have a statement for it.

[B]

I wasn't able to log into my account.

[A]

How much she owe? How. Yeah, you have to go make $2,000. So you're making your wife have to work or you're gonna have to work 80 hours while she works 20. I don't know what we're doing. Elusive Members Content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.