Scumbag Husband Destroys Marriage With Secret Debt | Financial Audit

Summary

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Podcast Summary: Financial Audit – "Scumbag Husband Destroys Marriage With Secret Debt"

Host: Caleb Hammer
Guests: Ruby & Boudreaux (26, Baton Rouge, LA)
Date: July 28, 2025

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Overview

This episode features Ruby and Boudreaux, a young, unmarried couple from Baton Rouge, Louisiana, struggling with overwhelming consumer debt and dysfunctional financial habits. The discussion dives into their chaotic spending patterns, secret debts, troubled communication, and the impact of these choices on their lives and children. Caleb delivers his signature blend of directness, humor, and tough love, guiding the couple through their detailed finances and illuminating where things have gone wrong—and just how deep the problems run.

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Key Discussion Points & Insights

1. Background & Relationship Dynamics

• Ruby: ABA line technician, works with children (makes $15/hr, ~30 hrs/week).
• Boudreaux: Local truck driver (makes $25/hr, 60-65 hrs/week), heavy overtime.
• Together since 2018, two young kids (6-year-old daughter, 4-year-old son), but not married—citing finances as the primary reason.
• Notable Dynamic: Both enable and blame each other for financial issues, but lack transparency and true financial partnership.

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2. Income and Monthly Flow

• Combined household income: ~$5,500/month.
• Ruby: $1,200/month take-home (after insurance and new 401k contribution).
• Boudreaux: $4,300/month (with overtime and deductions).
• Despite working, the couple is constantly behind and cannot get ahead on bills or savings.

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3. Chaotic Spending & Lack of Budget

• Fast Food and Eating Out: Almost 40% of income goes to eating out ($2,067/month).
  • “That’s more [than] people are supposed to do for the roof over their head. What lifestyle are we living?” – Caleb (09:22)
• Binge behavior: Boudreaux admits to binge eating, spending $20+ each time, even when bringing lunch. Ruby also admits to frequent convenience store and DoorDash purchases.
• Excuses for Overspending: Both rationalize food spending due to "lack of groceries at home" or stress.
• Poor Tracking: Only occasional financial discussions (“maybe once a month”), manual tracking, no real budget accounting for true household needs.
• Mutual Enabling: Both accuse each other of being the "problem spender," but continue to enable and justify each other's spending.

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4. Credit Card & Loan Mayhem

• Staggering Bad Debt: $42,291.97 in consumer (bad) debt—spread across credit cards, personal loans, and store accounts.
• High Interest, Maxed-Out Accounts: Many cards maxed, interest rates upwards of 30%. Hundreds to thousands lost in interest and fees each year.
• Examples of Questionable Debts/Spending:
  • $4,000+ gaming PC (Caleb: “You said let’s get a 32% interest gaming PC” 23:41)
  • Multiple credit cards opened for “rewards”, “spending flexibility”, or in retaliation after fights about money.
  • Separate Sofi accounts for both, not fully transparent.
  • Secret debt: Boudreaux’s “Apple Card” racked up over $2,000 on “spicy material” (i.e., pornography and online subscriptions)—a bombshell that led to marital trust issues and is discussed further in the paid post-show.
  • Motorcycle bought on credit as a “commuting solution” but now idle (“I haven’t ridden it in two years” – Boudreaux).
  • Tiny house/shed loan ($11,000+ at 25% interest) for “cheap living,” but never finished or utilized.
  • D&D (Dungeons & Dragons) and hobby spending justified as “family time” or “for the kids,” but clearly out of proportion given their financial state.

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5. Emergency Fund & Safety Net

• No Emergency Fund: Previous $2,000 fund was wiped out (car accidents, rental cars, etc.) and never rebuilt.
• $0.01 in Savings: All savings either depleted or invested in volatile accounts (not true safety nets).
• Boudreaux attempts to justify lack of cash by claiming $1,200 in investments (not liquid), while ignoring real budgeting needs.

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6. Financial and Physical Health Consequences

• Obesity & Medical Issues:
  • Boudreaux consumes 4,300+ calories/day; BMI is 48.4 (morbidly obese); struggles with binge eating attributed to work stress.
  • 6-year-old daughter is “above average” weight and height; Caleb notes the unhealthy family diet.
  • “You want to be there for your kids, [but] you’re not healthy. They’re eating what you eat.” – Caleb (52:20, paraphrased)
• No Health Solutions in Place: No gym, limited plans to address health, further complicated by financial strain.

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7. Transparency, Secrecy & Trust Breakdown

• Secret Spending:
  • Several accounts hidden or inaccessible to the partner.
  • Boudreaux’s “spicy material” spending was undisclosed; Ruby discovered it through strange charges.
• Retaliatory Financial Moves:
  • Ruby admits to opening a credit card after a fight, using it “for things I needed” (which quickly lapsed into more dining out and non-essentials).
  • Both accuse each other of lying or omission when it comes to money.
• No Real Partnership: Financial decisions and spending are siloed, not discussed in detail, and often hidden from the other.

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8. Attempts at Solutions and Host Advice

• Debt Paydown Attempts: Tax returns occasionally used to pay off cards, but habits resume and balances creep back up.
• Boudreaux’s 401k Loan:
  • Used to “pay off” high interest debt, but effectively just moved balances around.
  • Caleb: “You never actually made progress. You’re just taking out debt to cover debt.” (26:01)
• Budgeting Efforts: Sporadic, incomplete, and not grounded in reality—necessities often left out.
• Suggested Solutions:
  • Host suggests they stop using credit entirely, drastically cut all non-essential spending, and work on honest, regular communication.
  • Caleb floats bankruptcy as a real possibility: “This might be a bankruptcy situation, but you need to prove you’ve changed your behavior.”
• Behavior Change is Key:
  • “If you don’t, I’ll see you here in two years again, because you’ll be right back where you are.” – Caleb (84:52)
• 3-Month Challenge: Caleb offers a follow-up opportunity if they can demonstrate discipline for 3 months.

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9. Hammer Financial Score & Final Thoughts

• Score: 1 out of 10
  • Spending/budget: 2/10 (ignoring real needs, excessive fast food)
  • Debt: 1/10 (no collections or IRS, but overwhelming CC debt)
  • Emergency Fund: 0/10
  • Retirement: 2/10 (Boudreaux has ~$17k, Ruby almost none)
  • Real Estate: 0/10
• Financial Cliff: They are essentially underwater every month, even with heavy overtime. No viable financial plan currently in place.

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Notable Quotes & Moments (with Timestamps)

• On Spending 40% of Income on Fast Food:
  “Are you doing—that’s insane.” – Caleb (09:15)

• On Enabling Each Other’s Bad Habits:
  “You blame each other for everything yet you allow each other to do everything. Make that make sense.” – Caleb (23:58)

• On Secret Credit Card for Spicy Subscription:
  “Let’s just say the vast majority of this balance is through spicy material…” – Caleb (44:12)

• Boudreaux’s Confession about Gambling:
  “You opened this credit card to go on a gambling trip? Oh yeah, in Mississippi.” – Caleb (28:06)

• On Poor Financial Partnership:
  “You guys are bad influences on each other. Do you blame each other?” – Caleb (68:41)

• On the Unused Motorcycle:
  “Sell that.” – Caleb (63:25)
  “You put a down payment on a credit card for a motorcycle?” – Caleb (63:17)

• On Health and Diet:
  “You are not healthy…You guys want to be there for your kids. You want to have energy for your kids—not so your kid is eating what you’re eating.” – Caleb (52:20)

• On the Tiny House/Shed Loan:
  “A shed—hoping to turn it into like a tiny home.” – Boudreaux (71:56)
  “Oh, guys. What the f*** are you doing? What are you talking about?” – Caleb (72:00)

• Grand Total Debt:
  “$42,291.97 on bad debt. Not a single thing good there.” – Caleb (77:34)

• Summing Up Their Situation:
  “You don’t have an emergency fund, you don’t own your cars, you have kids, but you’re going out to eat like crazy…that is deeply unacceptable, is it not?” – Caleb (49:47)

• Bottom Line:
  “This might be a bankruptcy situation…but you need to prove you changed your behavior before you do it.” – Caleb (84:39)

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Key Segment Timestamps

• 00:50 – Ruby and Boudreaux introduce themselves
• 01:11 – Career and income details
• 02:44 – Kids and family logistics
• 06:09 – Why aren’t they married? Financial strain
• 09:00 – Fast food/restaurant spending (27.7%, $2,000+/mo)
• 13:55 – Arguments over budgeting, bills, and secret spending
• 20:40 – Affordability of “paying off” debt via 401k loan
• 23:41 – Gaming PC debt, buying expensive electronics
• 28:01 – Secret gambling trip via a new credit card
• 44:12 – “Spicy material” debt revealed, privacy issues
• 53:31 – Health consequences of binge eating and poor diet
• 61:27 – Amazon card maxed out for “deals”, now a burden
• 71:46 – Shed loan (“tiny home”) that was never finished
• 74:56 – Motorcycle debt—unused, can’t sell without a loss
• 77:34 – Grand total debt and reflection
• 84:09 – Host’s bankruptcy warning and 3-month challenge

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Memorable Moments

• Host’s Sarcasm and Unfiltered Honesty:
  “You need to sell your 3D printer. Sell it. Why do you have the 3D printer? Sell it.” – Caleb (58:22)
• Boudreaux's "Professional Gooner" Lifestyle:
  Outed for spending thousands online for “spicy” content using the Apple Card, discussed more in the post-show.
• The Couple’s Rationalizations:
  Multiple justifications for each poor financial choice, ranging from "it was a good deal" to "we needed glasses" or "for the kids."
• Caleb’s Repeated Exasperation:
  “This is you, you, you, you, you over and over again. Maybe it is you.” – Caleb (67:27)

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Tone & Delivery

• The discussion is blunt, at times harsh, but consistently focused on financial reality.
• Host uses humor and tough love to jolt the guests out of denial.
• Ruby and Boudreaux vacillate between defensiveness, rationalization, and sheepish admissions.

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Final Word

This episode is a raw exposé on the dangers of unbridled spending, secrecy, mutual enabling, and the compounding effect of avoiding hard conversations about money—especially with kids involved. Caleb’s diagnosis is grim: without radical behavioral change, bankruptcy (again) is likely. In the meantime, unhealthy diet, lack of partnership, and stress continue to erode whatever financial future the couple—and their children—might have.

Essential Takeaway: If you don’t fix the habits and the communication, no amount of income or credit can save you.

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Transcript

[A]

To watch episodes of Financial Audit a week earlier, Check us out on YouTube.

[B]

He does have two accounts that I am not on. I cannot see what the.

[A]

I just got information. Let's just say the vast majority of this balances through spicy material.

[C]

I got it. So my. My credit would be better.

[A]

You're lying now that you're on camera. Camera Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday, and for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase@hammer elite.com after that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

[B]

Hi, I'm Ruby. I'm 26.

[C]

Hi, I'm Boudreaux. I'm 26. And we are from Baton Rouge, Louisiana.

[B]

And this is Financial Audit.

[A]

Thanks for coming over, guys. I really appreciate it. You look like you're dying. You okay?

[C]

Yeah, I'm good. I'm just really excited.

[A]

Yeah, yeah, yeah. I'm excited too. Ruby, what do you do for a living? You're the one in front of me. So we'll start with you.

[B]

I work in aba. I'm a line technician. I work with children with autism and other behavioral disorders.

[A]

Okay, and what are we making?

[B]

I make $15 an hour.

[A]

Oh, yeah. Okay. How many hours a week do you work?

[B]

About 30.

[A]

Okay. And we know we got a lot of behavioral issues in Baton Rouge. That is for sure. 30 hours a week. Why so little?

[B]

So when our children were in school, I worked.

[A]

Hold on. You guys have kids?

[B]

Yes, we have two.

[A]

When they were in school.

[B]

It's summer break right now.

[A]

Oh, okay. How old are they?

[B]

We have one daughter that is six and eight. Son that's four. And we'll be starting school.

[A]

Sorry, continue.

[B]

Yeah. When they were. Well, when our daughter was in school, I would bring her to school and then I would go to work, and then I'd get off to get her off the bus. But now, this summer, we are currently staying with family most of the week.

[A]

Because you guys are working?

[B]

Yes.

[A]

Not for other weird issues?

[B]

No, not for. Just. Cause we're working. And I have more hours that I can work. But our family that they stay with lives a little over an hour away. So I am off Mondays and Tuesdays. So Wednesday, Thursday and Friday, I work 7:30 to 6. So I work about with a 30 minute break, so working about 30 hours.

[A]

Mr. Boudreau, what do you do?

[C]

I'm a local truck driver.

[A]

Yeah. And call that. I sat down and said he looked like a truck driver. That is okay. Yeah, yeah. You are. Yes, you are, Mr. Boudreau. Okay. Any excuse to get out of Baton Rouge, I'd take it as well. So what do you do? What do you make?

[C]

I make 25 an hour.

[A]

How many hours?

[C]

I work about 60 to 65.

[A]

Okay. Ooh. What? Okay. What hits your account on a monthly basis for the year? Job?

[B]

Probably about 1200amonth. 1200amonth?

[A]

That's it?

[B]

Yeah. I just recently had to be there for a year at my job, so I just recently got a 401k that money's getting taken out at. And I have insurance.

[A]

Insurance? Well, you're not on each other's insurance. You don't have insurance.

[C]

I do have insurance, but it's just mine because we're not married.

[A]

You're not married?

[C]

No.

[A]

What the are we talking about right now? What are we talking about today? You guys are each other. Getting kids, not married. What is going on?

[B]

We had talked about getting married, but it has not been financially feasible yet. So we're waiting. But we've been together since 2018, so. And we've lived together since 2019.

[A]

You know what? I sat down and I was like, these people are very interesting. And I noticed you're a trucker. And I was like, what? What is she? What does she remind me of? You look like the second coming, but with the golden arches applied. Interesting. I see it. Okay. Okay. Sorry, I didn't hear anything you said before that. I was just so focused on how you look like Jesus. I don't know. I have two.

[B]

Okay, okay.

[A]

And you. What? What? What are we talking about?

[C]

We're kind of just trying to figure out who is the problem spender.

[A]

How do you guys not know?

[B]

We both spend probably more than we.

[C]

Share a lot of our finances, so we kind of don't watch over who's the problem.

[A]

What would you say?

[B]

Probably Boudreaux.

[A]

Is this true, Boudreaux?

[C]

Maybe. Sometimes I think there's definitely some times that she could be the problem spender. And.

[A]

You'Re both lip smackers. Let's not do that, okay?

[B]

Okay. Maybe occasionally, but I think he does most of the spending on most of our cards. You can tell later when we look at the records.

[A]

Okay. So obviously we're an insane amount of debt. Why are you guys not married? We've been together forever. Right. Like, you started sticking it in at minimum, six and a half years ago.

[C]

I kind of want to wait until.

[A]

Stop smacking your lips.

[C]

I have the money to give her, like, a better wedding.

[A]

A better wedding? Better wedding than.

[C]

Than just like a courthouse wedding.

[A]

Okay. You've had six and a half years to do this so far.

[C]

Yeah. And it seems like it's just getting worse financially.

[A]

Why?

[C]

Our spending habits.

[A]

Then what are we prioritizing?

[B]

We have been trying to pay down our debt recently, but it seems like every time we start making a break, we get comfortable again and we see that we have extra money to spend, and we tend to spend it going out or bringing our kids to do things. And we have two cars that seem to need a lot of work.

[A]

What does that mean? Stop smacking your damn lips. I'm gonna punch you both. Okay, jeez. Let's talk about your finances. I can only focus on the lip smacking, so. Okay, I get it now. Why are these cars having so many issues in your. To you?

[B]

They are both 01 and they were pre owned and they're just having problems due to.

[C]

They're just really old cars.

[B]

Older age.

[A]

So how's the finances running the household? Cause I assume you guys live together, right? We have the kids together, so we're not married yet. Okay.

[C]

Whatever.

[A]

We're waiting forever to do it. Cause we'll never fix our finances. And it's only getting worse. Whatever. Okay, cool. Got it. But how are you guys managing the finances of household? How are the conversations going? What is the knowledge of the entire household finances from. You guys are twins. You guys are twins. I'm just looking side to side and. You guys are twins. Just the male version and the female version. You guys are twins. Okay, okay, okay. Sorry.

[B]

Okay, sorry.

[A]

I have just so many perceptions right here. I don't think I've met people like you before. I feel like I've only seen you on the Internet. We're on the Internet right now.

[B]

We are on the Internet right now.

[A]

So how are the finances done in the house? How are they discussed?

[C]

We share pretty much everything. We might not talk about it every time we, like, probably maybe once a month.

[A]

Okay. And once a month's not necessarily bad. But how are these conversations going?

[B]

Usually for the finances, he will write down all of our bills, how much we owe.

[A]

Okay.

[B]

And very manual.

[A]

Okay.

[B]

That's about it. And then we usually discuss when they're due and, like, what paycheck will go towards those bills.

[A]

I mean, Lindsey is Telling me right now that you've told her 80% of the time, you guys are on the same page, but the other 20%, just completely not.

[B]

Yes.

[A]

And if we're aware of our finances, then answer this question to me. What percentage of our income is spent on fast food just going out to eat? What percentage of our spending is spent on going out to eat?

[C]

40%, probably.

[A]

Are you doing. That's insane.

[B]

Probably a lot. We.

[A]

Well, that's not our number, but 27.7%, which is crazy. Or $2,000. I'm sorry, you said 1200 for your job hits the account. I've been distracted a lot during this episode. And about how much hits the account on a monthly basis from your job?

[C]

43, maybe.

[A]

Okay, so 43. First of all, you guys spend more on going out to eat than she makes in a single month. Right. That's crazy. But 5,500 comes in. That's our total household number on just a normal monthly basis. Take that $2,067.20. Divide that by the 5,500. And I mean, that's your percentage of spending. But of course, our spending's all percentage of income. Income alone that is going to going out to eat is 38% just going out to eat. That's more higher percentage than people are supposed to do for the roof over their head. What the lifestyle are we living? It can't be healthy for your kids, too, if we're being objective about it. Right? Putting feelings aside, it cannot be healthy for our kids. 40% of our income is going out to eat. And are we going out to eat sweetgreen?

[C]

I think I have a problem, like with binge eating, which is a big issue.

[A]

Okay. When. Walk me through it. What does it look like?

[C]

I like to go out to restaurants and go out to lunch. So even when I pack the fires, not whenever I go to dinner, but like whenever I'm going to lunch.

[A]

By yourself?

[C]

Yeah, I do go by myself. And I'll spend over $20 just on food for lunch.

[A]

I guess it depends on what I mean. Where are you for 20 bucks? Cause 20 bucks stretches so far, you know, only so far.

[C]

Taco Bell, McDonald's.

[A]

It stretches far at Taco Bell, that's for sure. McDonald's a little hit or miss these days, but okay. You can tell, in fact, because I have an answer to that. So. Okay. And that's obviously not good, the binge heating behavior. And you said even when you pack a lunch, you go and do this.

[C]

Yeah.

[A]

Do you know this?

[B]

Sometimes. Sometimes he'll come back with his lunch, and he'll let me know that he went and got lunch instead.

[A]

And how do you feel about it?

[C]

Well, I caught her ordering doordash to her job or going down to the convenience store.

[A]

The why? However, doordash is so expensive.

[B]

I have doordash to my job. Maybe like once a month, if that. Because it is.

[A]

Okay, that doesn't sound like caught. I doubt it's once a month. That is some deflection if I've ever heard.

[C]

She goes to Jayla's at least once a week.

[A]

And what's that?

[C]

The convenience store.

[A]

What are you getting?

[B]

I usually get the red beans and rice that they have there and cornbread. They also have, like. I have gotten their fried chicken and their french fries as well, but I've been sticking to the red beans and rice and cornbread recently.

[C]

We did agree that you would not order door dash anymore, and you kept doing it and also going to jail all the time.

[B]

Yeah, well, we don't really have anything to eat at the house as we need to go get groceries.

[A]

Is that true? We have no food at home?

[C]

I wouldn't say we have no food at home.

[A]

Then what the is that kind of excuse?

[B]

I do tend to just bring sandwiches.

[A]

So she lied to you out of the gate. How's that feel? And you didn't even call her on it. You know you have food at home. She says there's no food at home. So I'm gonna get done. I'm gonna go to Justine's or whatever.

[C]

Well, we. All the food that we do have at home is like. We buy stuff in bulk, like chicken.

[A]

Oh, sounds edible.

[B]

Yes, but we made that agreement before you decided to pay all the bills early. And since I do all the grocery shopping and the cooking.

[A]

Wait, what does pay all the bills early mean?

[B]

So when we discussed earlier about when he makes the budget and we have what paycheck pays what bills, he sometimes will go ahead and pay them early, like, instead of on the due date that we expect them to come out.

[A]

What do you guys discuss and budget this in? What's our knowledge on this?

[C]

Usually I'll just pay extra on, like, debt that we use for. For, like, gas, groceries, stuff like that. I'll pay extra that way.

[A]

We want to hit so much. This is horrible. How are we in this much debt, Guys? Like, seriously, your own. Your own perception? Cause this is actually a lot of paperwork. This is a lot of paperwork. More than usual on this show.

[B]

We tend to get comfortable, as I mentioned earlier. And we will start spending on credit cards that we have started to pay on because we have extra money or bills. We paid early and sometimes it's discussed, but not always as pays most of the bills.

[A]

It just feels like blames and excuses. I don't know. I mean, who would you say is the most likely to hide spending from each other? Point. Okay, examples. Because you both disagree.

[C]

Tell me like we were talking about earlier, the door dash and going out to eat while she's working, whenever she goes on lunch and stuff.

[A]

What would you say?

[B]

Whereas we have most of our credit cards are able to be. Most of our cards are shared. He does have two accounts that I do not have that I am not on. I cannot see really why. And the balance is the same.

[C]

She's an authorized user, but with certain cards it won't let her see them. Like she can't log on, but she can see the balance that's on it.

[B]

On your Apple card. It does not show me that. It just lets me spend money on there and tells me what I spent. And then we both have our SOFI cards that are Sofi accounts that are separate.

[C]

Yeah, but mine, all the money in my Sofi account goes straight into my investing account.

[A]

So what's the issue?

[B]

Just that sometimes I think with those extra cards that we can't check up on each other, we'll sometimes just spend extra money on those.

[A]

Who's the reason we're in that point? Go on. Completely disagree. Why? Why are we disagreeing?

[B]

We have always kind of agreed or like been on board with like bigger purchases, but smaller purchases sometimes, especially when like the cars need work or other things. Go ahead. Boudreaux will go ahead and buy the those items and then I will just see after the fact when we have or he'll tell me he's buying them and I won't know how much they are. And then when they come in it'll be like, wow, that's a lot more than we expected. We need.

[A]

To go buy other things. Because you pointed at her.

[C]

Well, when I buy stuff for the car, it's because we need to make it back and forth to work every day. But I pointed at her because a lot of the bigger purchases I feel like I wouldn't have made without her. Like kind of like pushed me a little bit more towards it.

[A]

Hold on. You had food poisoning yesterday. You sure it wasn't stomach flu?

[B]

No, I don't think I have stomach flu. I, I, no, I, how do you know? I guess I don't know. I just didn't feel good for like two or three hours yesterday.

[A]

Were you vomiting?

[B]

No.

[A]

Yourself?

[B]

I felt fine yesterday evening and I feel fine today. Not that I'm aware of. I hope not.

[A]

Can we get pregnant?

[C]

She. She's on birth control.

[B]

I am on the birth control.

[A]

Would we be able to get pregnant without it?

[C]

Yes.

[B]

Probably. Yes. Yes.

[A]

Okay. Should we get a pregnancy test for you for the post show? Kidding. Maybe.

[C]

I don't know.

[A]

Who tries harder to keep their finances on track? Point. You guys don't agree at all. What is the disagreement on this? Why do you think you try harder? Why do you think you try harder? Let's start with you, Bordeaux.

[C]

I watch the finances more. I just kind of like watch over all of our spending and try to make sure that we're not going above what extra is coming into the house. And that's why I feel like I'm more on top of things. Basically.

[B]

He does write the budget, but he does not usually add in for the extra necessities like groceries. And we have a dog. So, like dog food. And I go grocery shopping and do most of the shopping for items around the house. So when those aren't budgeted and accounted for, sometimes I have to remind him and be like, hey, okay, yeah, these bills are due, but we need to save up this much so we can go. Or if we have plans with friends or family. Usually I'm the one that makes the plans on the weekends and I'm like, hey, don't forget we're doing this and this on this weekend, so help. He keeps up with the bill aspect and usually I'm the one who has to remind him of the extra spending that we do have to also account for.

[A]

What do you guys think your household financial score is? 0 to 10. I'm going to go 3, 2, 1 and on a row. Okay. They are not following instructions. Okay, one and zero. Got it. Okay. If you want your financial score, just take the assessment. It's free. It's@caleb hammer.com or go to calebhammer.com apply and you can come be on financial audit. But if you don't want to be in bad finances like most guests on this show, all you have to do is download our dollar wise budgeting app and take the free trial. If you sign up for the Ann version, I'll sign our budget friendly cookbook that can't be purchased anywhere else and I'll mail it directly to you. And don't forget, if you want to take all of our educational programs, you can sign up for Dollarwise Central and get them all at a much lower cost to make it more affordable to you. Okay, so affirm. Affirm.

[C]

I actually paid that one off.

[A]

2000. You just. You paid this one off?

[C]

Yes.

[A]

That's incredible. How do we pay this off?

[C]

I took out a loan with my 401k.

[A]

Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a cosigner release program so your mom or dad can step off the hook. Y Refi is known for personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private loans are burying you, it's time to reach out. Why? Refi wants to help you climb out of debt, not push you further in it. Check them out at yrefi.com hammer that is y r e f y.com ammer or call 888-yrefi78 that is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. The. Are you talking. Why did you even use the word pay off? Why do you even use the. Why did you even use the word pay off? Bordeaux.

[C]

Boudreaux.

[A]

Bordeaux.

[C]

There's no R in the word except for after the D.

[B]

Do the roar.

[C]

I took out the loan with my 401k because it was a lower interest rate.

[A]

Yeah, but if you get fired from your job or you leave your job, that can come due. You have enough money to pay off your 401k loan.

[C]

No?

[A]

Yeah. Uh huh. And man, we've had a great rebound in the market since it tanked a couple months ago. Sure would have sucked to be able to see any of those. Are you sure? The total math in the end actually makes sense. What's the interest rate in the 401?

[C]

It's 8%.

[A]

8%? Yeah. I mean this was at 32%. Why are we affirming though so much like affirm all the way up.

[C]

A couple years ago I got a PC. Like a gaming PC. And couple years ago you're taking out.

[A]

A 401k loan to get a gaming PC by the way, is how that works out. Two years ago. What? This is a two year old gaming PC. So doesn't even have the 50 series in it. Mm.

[C]

It was my Christmas present to yourself. Yeah, we. We both agreed that I could get it for myself.

[A]

So you said let's get a 32% interest gaming PC that will never be able to pay off and you eventually have to put your 401k essentially on hold.

[B]

He did not explain all of that. He did say could I get a gaming PC? And I tend to.

[A]

You just enable.

[B]

I have.

[A]

Why you blame each other for everything, yet you allow each other to do everything. Make that make sense. What the f. How much was this? How much was the computer?

[C]

I don't remember how much it was originally. I think Black Rock.

[A]

Oh, Microworks. How much? No, no, no, because you owe three, you owed three, two. No, the initial amount was $4,000. The did you get.

[C]

It was pre built, so yeah.

[A]

Pre built. Maxed out, right?

[C]

Yeah.

[A]

Fuck. Why? Come on. What are you doing? Spend some time with your kids and wife. You're working 60 hours a week.

[C]

Yeah.

[A]

Do you have time for this?

[C]

I like to play with my kids. I usually like. I've introduced them to.

[A]

On a gaming PC.

[C]

Yeah, I have that and a couple other things that I like to play with them.

[A]

Of course you do. And how often is this justify 4000 hours at 22%. Now put in a 401k on hold.

[B]

When he first got it, he was working a little less. So it was used a little more than. But recently it's been maybe once a week, usually on a Friday or Saturday.

[A]

Buddy, sell this thing. It's not worth that much anymore. What is it gonna be worth? Like 1500? The GPU is still probably top of market, but. Or the CPU is probably top of market, but GPU is definitely not at this point.

[C]

Yeah, I don't is worth anything near what I paid for it.

[A]

Oh for sake. Now what's your 401k loan balance?

[C]

$5,000. Because I just took it out and.

[A]

Of course the payment gets taken from your paycheck. That's so stupid. 5,000. Why was it 5,000? Because this was $2,541. When you took out the 401k loan.

[C]

I put the the rest of it towards like other debts, just like a little bit towards what are we doing?

[A]

So you've never actually made progress. You're just taking out debt to cover debt?

[C]

Yeah.

[A]

If you get laid off, what are you gonna do to pay that 5? Did you even know they could call it due? They very often do.

[C]

I did know that they could call it due if I ever got fired or quit.

[A]

Uh huh.

[C]

But I've never.

[A]

Weird tariff conversations going on. That affects drivers. Truck drivers.

[C]

Yeah.

[A]

Okay, well great. So we're no longer spending on a firm, right?

[C]

Yeah, I'm not using a firm or anything.

[A]

Better not aviant. What? What's going on with this? Oh, you. Well, it's weird because you kinda.

[C]

I try to pay that one off.

[A]

Well you don't because. Feet. What's the fee? Maybe you do. I can't really tell. It looks like you do. It's a 36% interest rate, so you better. And also you $230 of interest this year so far. Plus there's a monthly fee. Why even have this if there's a monthly fee you're essentially paying, you're replacing the interest even if you do pay it off, right?

[C]

I try to pay it off ever since I paid it off with my tax return.

[A]

Right. Oh great. So like a month ago. Yeah, I pay it off every month, guys. Starting a month ago.

[C]

Yeah.

[A]

Okay, great. So $956 balance and $0.83 monthly fees. Just close this account and it has the monthly fees. Why would you do this? Why'd you open this card?

[C]

It's my highest balance.

[A]

I said why'd you open this card?

[C]

Yeah, so it has the highest amount that I can.

[A]

Oh, highest credit limit.

[C]

Yeah, highest credit limit. And I got it. So my, my credit would be better because I have.

[A]

Is that why you opened it? You're lying now that you're on camera. I know what the real answer to your question is. Lindsey told me what the real answer to your question is because you answered it to Lindsay.

[C]

I think.

[A]

Why'd you open this credit card?

[C]

I think I use it to put a down payment on a motorcycle.

[A]

You open this credit card to go on a gambling trip? Oh yeah, in Mississippi.

[C]

That is true. I forgot about that.

[B]

We. I did not remember that being why we opened this card.

[A]

But he remembered to tell her a couple days ago.

[C]

Yeah, I. I just forgot.

[A]

Conveniently how we forget once we're in front of the camera, in front of millions of people.

[C]

It was my. One of our friends 21st birthdays. So we wanted to bring him out to Biloxi and go gambling with Them.

[A]

I mean, now you're just getting Sushi bar, the Queen Pastime restaurant. Pastime restaurant in Amazon. Souls are stupid. Anyway.

[C]

I basically use it just to try to, like, negate the fee every month I'm trying to use it and pay it off that way. I don't have.

[A]

The fee's there though.

[C]

Right. But I get rewards every time I use it, so.

[B]

And we were able to pay. Paid off the last month that we used it.

[A]

Yeah, because you got the tax return, but you have a balance now. Monthly fees are happening. You paid interest all year so far. Hundreds and hundreds of dollars, tons of fees. Just going out to restaurants, getting Amazon, all this bull crazy. $25 minimum payment. Listen, it takes eight years to pay off minimum payments only. I know you're not doing that. Tell me about the reward structure.

[C]

I'm not quite positive. I think it's.

[A]

Then how can you say you're doing the rewards to overcome the monthly payment?

[C]

I just. I just use it until it hits that monthly monthly fee, and then I try to stop using it or just close the card.

[A]

Because, look, you got into so much debt in the first place that you're accruing interest in not being able to pay it off until your tax return hit. Only because you have kids, by the way, is why you got a decent tax return.

[C]

Yeah.

[A]

So thanks to them, which is meant to help them, you've just paid off your previous balances and now we're going out to eat again on these cards. So either way, you know, that shows that this is a dangerous card to have because you'll fall back into old habits and we'll just wait till next year's child tax credit times, too.

[C]

Yeah, I. I try to use it just for things that, like, we need, like gas and stuff, but we do go out to eat a lot, and usually I'll end up using it for that as well.

[B]

We tend to go out a lot with coworkers and our friends that we go and see on every other weekend for D and D, as they live a little over an hour away. Whenever we get there in the evenings, we usually all go out to eat as a group before we play.

[A]

I mean, I don't know, guys. It's just. It's just. It's just so stupid, the spending. It's just. You're still doing spending. We just saw the percentage of your income that goes to. It was 40%. Goes to going out to eat. Your kids eat what you eat, most likely, right?

[C]

Yeah, most of the time.

[A]

Okay. Oh, this is gonna Be some people are gonna find this offensive, but I also don't care because those people are probably the ones who will not make it to old age. But how's the cylindrical, the radius, the circumference of the children?

[C]

Our son is actually pretty small for his age.

[B]

He's in the 11th percentile.

[A]

This way. Okay. And daughter?

[B]

Our daughter is above in. I don't know her. She's fat in height and weight.

[A]

Okay.

[B]

She is taller and weighs more than she should for her age.

[A]

Okay. Right. They're eating what you eat.

[C]

Yeah. It's probably not healthy going out as much as.

[A]

Well, I mean, but that's how we doing not healthy. So yeah, I would say it's not healthy. And I'm sorry again, I'm a fat saying this, but it's just like when there's kids involved, they eat what you eat, you know, at that point you got to think about more than just the dopamine release you're getting.

[D]

The number one YouTube membership just got upgraded and for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit post shows exclusive and uncensored financial audit episodes. Our call in show Hammer it Out.

[A]

Then take the train.

[D]

And brand new shows Fat and fatter.

[A]

There is that one.

[D]

I would go off brand behind the audit.

[A]

What?

[D]

This was wild Hammer versus Internet. And now upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of [e-mail] and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you.

[A]

Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

[D]

It's okay. It's worth it.

[A]

Yeah, it is.

[D]

Join Hammer Elite, the best membership on YouTube today for free.

[A]

Okay. Oh, there's more spending. Oh, there's so much more spending. Oh, on this stupid car that has agreed so much. That has fees. Bull. Stupid. Listen, I get it. If you're putting a utility payment on here in order to get the benefit that paid off the monthly fee. Just close the card anyway. Doesn't make any sense. It's a dangerous tool. It's a hammer that you're taking back and hitting your own head. Then we're not even using it for that bull. You're using it as an excuse to go spend money. More money. Lakeside Bar Going and getting some bullshit. Bianca Bar and Lounge. Gotti's Pizza. Lakeside Bar. Dairy Queen. I think maybe Lakeside Bar. Krispy Kreme. Chick Fil A. Lakeside Bar. Panda Express. Again, not one single thing that is considered even remotely healthy. Chick Fil A. You can sometimes get some good options. Chipotle, you can get some good options. And Chipotle. And Chipotle. Okay. But it's mostly just bull. And if we're being honest, are we doing the healthy options of Chipotle and Chick Fil A?

[C]

Definitely not.

[A]

Okay, so. And thank you for being honest. But why you have to spend in order to get the rewards to negate the monthly fee. But you're using that as an excuse to just go get slop.

[C]

I think it also stems from the fact that I don't really have an emergency fund. I like to have that high limit to be able to use just in case an emergency arises.

[A]

What high limit? What's the point? But you're just blowing it all on food anyway. How about instead of just going out to eat every five seconds of our life, we build an emergency fund fund? It's a crazy concept.

[B]

We did have one last year before we totaled two of our cars. Insurance we did on both. But we had to get rental cars and put down payments.

[A]

Another car we did not have a.

[C]

Rental on our insurance.

[B]

Not on our first car that was totaled. But on our second one we did share a car.

[A]

Congratulations. Welcome. Welcome to public transportation.

[B]

We did do that for a few months. We just recently got a How did.

[A]

It drain an emergency fund.

[B]

Then it was $2,000.

[C]

It wasn't.

[B]

We did not have.

[A]

So it was a single month emergency fund. It's that. Okay, so that's different. Don't say we had an emergency fund. We didn't have an emergency fund. He had a Barely. Barely hold us over the corner. The fact that we drained a $2,000 emergency fund. We haven't built it back up. Is telling Baton Rouge ain't expensive. It's not expensive. No one wants to live there. A horrible place. No offense, but that's where all the cop shows are filmed, right?

[C]

Yeah.

[A]

These are the ones that I've seen. So, you know, that's all the knowledge I have on it.

[C]

Yeah.

[A]

Plus Louisiana is a declining state completely. So, like, it just happens. Okay. Okay. What's going on with this Quicksilver card?

[C]

Which Quicksilver is that one?

[A]

Yes. Worldly MasterCard? Quicksilver? I don't know. The one at $919.83.

[C]

That one's Quicksilver.

[B]

Probably used on a lot of the same thing. A lot of these cards we put money on for what shortly.

[A]

I don't see spending on here, luckily, but there is interest accruing and it's actually maxed out. That's why there's no spending. Great. Okay. Why'd you open this card?

[B]

I.

[A]

Cause remember, I know the real answer this. You literally have told them the answers a couple days ago. As they know I'm gonna ask the question they put in what the answer is because they're great. We have a lovely little system here. It's perfect. Hard workers. I. And the answer's insane. If I'm telling you the answer's insane. Does that help you or is there insane things across the board?

[C]

We might have macked that one out whenever I got my motorcycle.

[A]

Well, maybe, maybe. I don't know if that's the exact reason, but here's what I have. She opened this card after a fight about money, and this is where her retaliation card. Who the does that? Stop smacking your lips.

[B]

There was a lot of money being spent on Boudreaux's end. And there were some things that I needed, such as new glasses. And we were. A lot of our credit cards were being used for things they should not have been used for. And we. I was mad about it and I needed to have a way to pay for things that I needed to pay for. And so we.

[A]

What would I see if I went back in time and saw what was spent on this card to bring it to the max at 30% interest rate? Stop smacking those lips. I'm gonna get a spray bottle and I'm gonna spray you.

[B]

Probably a lot of the same thing that was used on the other cards. Going out to eat, gathering.

[A]

So it wasn't things you needed. So that was a bull excuse. That was a lie.

[B]

Probably after I got it.

[A]

Lie. Then why'd you lie?

[B]

Cause it probably started as needing it for glasses, but over the years it probably just got mixed in with the rest of our cards and just used for the same thing that they were all used for, which ended up being.

[A]

Listen, I mean $66.41 in interest this year so far. I mean, it's not a high balance, but it's a max out balance. It's a max out balance. And he has said that you use this card for Amazon purchases. Again, I don't know anything about you because I'm going blind, but they know everything about you.

[C]

We did use that card a lot for stuff On Amazon for the kids.

[B]

And for the apartment.

[A]

The Amazon. Do we share an Amazon?

[B]

Yes, we do.

[A]

Whoever wants to pull it up, pull it up. How many times have you dropped this phone?

[B]

A lot. I work with children. It's badly been thrown a couple of things.

[A]

Grade powder.

[B]

We were pure vegetable.

[A]

Glycerin bubbles. Bang Energy cotton candy. Sugar free energy drink.

[C]

That one's me.

[A]

Sugar free porn. Pulling a lot of weight there. Wanderings. Handmade antique envelope.

[B]

We add those for dnd.

[A]

Cool. Your dnd. I don't give a. About your dnd. DND is a fun game. You. I don't give a. You're spending money when you don't have money. When you're max out credit cards. What are you talking about? What are you talking about? What are you talking about? 401k loan in order to pay off debt. Don't do DND. Don't spend on DND and then pay off your debt instead of taking out a 401k loan. The are you talking about? You don't replenish your $2,000 emergency fund. You don't spend money on D and D wax stamps for the stupid, stupid D and D. Antique wine scaling wax beads. Probably for stupid D and D. Double sided glue, nail stickers, Vintage water cooler paper. Bang. Energy drinks. Bang. Energy drinks. Every second of our stupid lives. Why we have five things in the cart. What do we have? Ooh, rotatable hangers. For bras. I was gonna say that sounds really nice. Until it was for bras. I was gonna say that'd be be. Actually, you know, I'd be open to it. Skirts, hangers. Okay, we're condensing hangers. Probably have too much, too many clothes at this point. Then yeah, we're men's slippers, women's slippers, men's casual shoes.

[B]

Yon I am trying to consolidate for our.

[A]

Stop. How do you do though? How do you do it so much after I just said. And then you did it half a second after.

[B]

I don't think I noticed I do it. No, no one's ever commented on it.

[A]

Never commented.

[C]

Just. Oh, she's got a wet mouth. Oh.

[B]

Oh.

[A]

Oh, no. Oh, stop it. Stop it now. In fact, I'm going to go take a sonder mind therapy session after you just said that. Hmm?

[B]

Oh, nothing.

[C]

Okay.

[A]

Lots of O's and O's not to say anything. Okay, that's okay. Apple Card. $2,313. What's going on with this one, guys? The kings and queens of UMS. $2,313.30 minimum monthly payment. $78 people. I've seen so many people online since the history of the show starts say that we pay for actors to come on the show and fix the situation. If this episode doesn't prove that they're not actors, I don't know what will.

[B]

This card, he has access to. This is. I've used it one time. This is the Apple card that I do not see that I.

[A]

Because you've used it once.

[B]

I used it once to go print something out.

[A]

Minimum monthly payments only without any purchases. How long does this take to pay off, guys? What do we think?

[B]

A couple of years?

[A]

Okay, 13 years. What are we talking about? That's horrendous. Then we'll be 40. 40 something, right? 42. Let's be real. Your phone bill probably costs more than your gym membership, and it's not even getting you in shape. That is why Helium Mobile is such a game changer. You can get a phone plan for literally $0 a month with their 0 plan. And there's no contracts, no credit card. And no, that's not code for we'll hit you with a secret fee later. It's free. And the wild part? You get rewarded just for using it in cloud points. Think airline miles or credit card rewards. But for your phone, you rack up points by using the service and then cash them in for gift cards to places like Amazon, Starbucks, Sephora, Doordash, you name it, over 50 brands and nonprofits in the app. So not only are you saving money every month, you're basically getting paid to text your friends and scroll memes, coffee takeout, and even tech paid for with points. Click the link in the description to check out the free phone plan and use code Caleb to get $10 in cloud points, which can be redeemed for gift cards to your favorite brands after being a user for 90 days. Let's get back to the video. So why doesn't she see the card? Bordeaux?

[C]

I have no issue showing her the card.

[A]

So why doesn't she see it?

[C]

She sees it whenever she asks to see it.

[A]

Why don't you ask to see it more, lady? Bordeaux?

[B]

I used to, but now I. It's had such a high limit the entire time. I can't imagine we're putting.

[C]

I do.

[B]

And we pay. What car? What bill do you have on there?

[C]

I pay the Office of motor vehicles for Louisiana $50 every month, so I pay towards it an extra 50.

[A]

Okay, I just got information on this one. We're actually gonna go more in the post show into this because it's very private information. Let's just say the vast majority of this balance is through spicy material that has been purchased historically. And we'll go into the full situation in the post show for demonetization reasons and privacy reasons. So if you want to do that, check out the post show. Gotcha. That's a lot of spicy material, though. Over how long was the spicy material and how much was spring?

[C]

It was only a few months. I want to say I did that.

[A]

Much in a few months.

[C]

I did pay like yearly subscriptions.

[A]

When you got goon written all over you, I see it. Right. He's a gooner, right? He's a gooner. Right?

[B]

Possibly. I tend to stay out of that business. We stay out of the goon zone. Caused a lot of problems in the past when it was ongoing.

[A]

That's what you want to talk about in the posture, right? Okay, we'll save it for there. I get it. That's fine. That's fine. I know. Privacy, scary. Hundreds of thousands of people. Millions at the clips. I get it. Okay. So naughty, naughty, naughty, naughty, naughty, little guy. A goon card. Little goon card. Okay. Wow. I just doon card before. Well, so. Okay, well, lots to dive into there. We will get there. Total charges, credits and returns to this period. Oh, you had some. No charges. What are these charges for? Wait, what's that?

[C]

Probably Apple.

[A]

Oh, Apple. Apple. Pull out your phone for me. Because she didn't have any subscriptions. I looked now the interest at $214 this year. So far, it's at a 26.24% interest rate. Again, minimum dependent is $78,2313 30 balance. If you're gonna goon, you may as well goon on the fizz card because it's a debit card that builds credit. Am I right? Unfortunately, there' goon certification with course careers. But maybe I can convince him to do it. But it is good for boosting your resume. D and D beyond. Okay, probably cancel that. No more spending money on D and D. Sorry, sorry. You already got the PC. Enjoy it. Don't buy more games.

[C]

I did that because I just got into DMing for the first time.

[A]

Okay. And now you're out of it, right?

[B]

Yeah, we actually.

[A]

Apple TV plus is very good, but you subscribe to your service. That's fine. That's good. Okay, I'll allow that. And I got A plus. It's not the end of the world. And we need some storage here and there. Okay, both of you with just absolutely up phones, by the way.

[B]

I think it comes with the territory of having kids then working outside.

[A]

Who works outside?

[B]

He's in and out of his truck all day.

[C]

Yeah.

[B]

Dropping and hooking the trailers.

[C]

I only go like a couple miles in a day.

[A]

I'm so sorry, buddy, but do you have like a Taco Bell? Right?

[C]

Yeah, I do go to Taco Bell.

[A]

Taco Bell. Can you type in for me? If you may. If you may be some kind. Your breakfast, Taco Bell, snacks, all those stuff. In as much detail as possible. Write exactly what you get in your average orders for breakfast, lunch, dinner, and snacks, please. Okay, okay. Now we're gonna keep it going. You as much detail the items and say the restaurant locations as well. And break it down by breakfast, lunch, snack, dinner. Okay. Quicksilver card. Yours? His Bordeaux's not Lady Bordeaux. Okay, so, Mr. Bordeaux, I'll let you focus on that for a second, but I'll read out this card. He has a quicksilver in that quicksilver. He owes $2,473.96. These balances are insane. These minimum payments are stacking like crazy. Minimum monthly payment of $84. No new purchases, but interest accruing like crazy. Why not? New purchases is borderline maxed out. 15 years to pay off if we do minimum payments only without any purchases. And something tells me if we get a little more room by the balance going down, we're just going to do purchases, historically speaking, at least on your guys. And it is the $241 interest this year so far. We're talking. What are we talking about? Fees and interest combined, like $1,500 $2,000 this year so far, across all the cards, we're looking at. We're looking at basically just under a 30% interest rate. This is our entire life that we're just destroying and putting on hold dramatically.

[B]

Yeah, we have what?

[A]

For what? Just so we can keep going out to eat. We have kids. Don't have an emergency fund. And we have kids, but we're going out to eat like crazy. 40% of our income.

[B]

Yeah.

[A]

No emergency fund, children. 40% of our income going out to eat. That is deeply unacceptable, is it not?

[B]

It is.

[A]

Then why the are you still doing it?

[B]

There is no reason for it. Anytime we go out with the kids, it's always, what about your breakfast?

[C]

I accidentally hit enter. It was a breakfast Crunch wrap from Taco Bell.

[A]

And what about snacks? You got any snacks?

[C]

No, I typically tend to, like, go Gurts. Her stuff that she sends Me with lunch for snacks.

[A]

All right, dude. I mean, again, this is just putting this all in these cards we are looking at. You are consuming 4337 calories a day. It was supposed to be a 2500.

[C]

Yeah, more or less 25.

[A]

So I just wanted to call that out since we're having the conversation.

[C]

Yeah, I've put on a lot of weight over the last, like, year and a half, I would say.

[A]

Which begs my question again, are you sure we can even have kids if we were around? I don't think so. No offense, dude, but when you get, like, to that level. Cause I'm, like, on the edge. When you get to, like. I think you're, like, double me, maybe. I'm not sure. It doesn't matter. It's not a competition. Your nut's not potent. You don't carry the little swimmies. Do you guys want to have another kid?

[C]

I'm okay without anymore.

[A]

Okay, well, then you're okay. We'll just die at 60 instead, but at least no more kids. Yeah, I don't know. What do you think of that? What do you think of that 4,300 calories your husband is consuming daily? Daily.

[B]

That's not great. I don't usually count my calories either, so I'm not sure where I'm at. I usually just eat whenever. On the weekends. We usually both got to eat, and we'll all.

[A]

You eat 4,000 calories a day. What's your weight and height?

[C]

I weigh almost 300, and I'm five' six.

[A]

You have kids, you have each other. It's more than just you guys at this point. Right. So your BMI is 48.4. I've looked at you, which is morbidly obese.

[C]

GLP1 medications before.

[A]

Yeah. It can be a good way to do it. It can be a good way to do it. But even still, what. People lose, like, 30 pounds typically with that.

[C]

Yeah.

[A]

And so you're 8.4 points over morbidly obese. 8.4 points.

[C]

I also haven't weighed myself in, like, six months.

[A]

You think? I mean, with these calories, it definitely could have.

[C]

It definitely could have.

[A]

Now I'm in the obese category, technically, obese class one. But then there's obese class two. Then morbidly obese, there's overweight under obese class one, and then there's normal weight. In order for you to be normal weight, you would need to be at max 154lbs, which is half of your weight. Half of Your weight is considered normal weight. BMI is not perfect, but I'm just throwing it out because this is important to think about. Because you guys want to be there for your kids. You want to have energy for your kids. Not so your kid is eating what you're eating. Okay. If you're consuming 4,300 calories a day, what are our kids doing? You know, maybe. Is the boy a little more active? Is that why he's keeping it off? I think he's also younger.

[C]

I think he might have adhd. So he has a hard time, like, sitting down.

[B]

He doesn't sit down, and he doesn't. He's also very picky about what he eats.

[A]

He's very picky. Good. In this context, for the first time ever. Good. It just concerns me. It just concerns me. Do you understand my concern that I'm not picking on you?

[B]

Yes.

[C]

Yeah.

[A]

Because a lot of people think it's fat phobic to, like, talk about it in a medical way. No. If I was sitting there and saying, you're disgusting for being fat, that's like fat phobia. Right. But if we're just talking about you are not healthy.

[C]

I talk about it all the time, so I don't.

[A]

Why have you done nothing? I think it's a bit of a hypocrite for that one, but I think.

[C]

It'S hard, like, working in the truck and like. Yeah, like 12 to 13 hours a day.

[A]

Every truck driver I've ever seen is obese. Absolutely. Yeah. But you got to pack your foods and you got to find times outside of work to try to get some workouts in. And again, I'm a little hypocritical for this one, but. Okay. Capital One saver card. Who's this?

[C]

That was mine.

[B]

I believe that one's mine.

[A]

Okay, cool. What's up with this now? Purchasing interest is occurring. Almost maxed out.

[B]

I am not quite sure.

[A]

All that to get to that. Okay. $1,863 and 15 cents.

[B]

A lot of these cards we've had for years, and they've had high balances on them probably the entire time.

[A]

Takes 13 years to pay off. Minimum depayment, $66. Apparently, this is the same time as your retaliation card, I'm being told. So.

[B]

Yeah. Probably used on unnecessary purchases during that time. And back in.

[A]

I mean, you only saw spending on it recently because. Because it's not that far from max in.

[B]

We probably 20, 23.

[C]

We like Christmas presents and stuff as well.

[B]

We did go on a trip out to San Antonio in 23. 23 San Antonio.

[A]

It's like not.

[B]

They have the solar eclipse.

[C]

Yeah, okay.

[A]

But it's not expensive. That's what I'm saying.

[B]

Sure. We probably used.

[A]

It's a road trip.

[B]

One of those credit cards. Yeah, it was just a road trip during that time as well. And used.

[A]

$236 in interest accrued this year so far on this card. It's at a 29.74% interest rate. Okay. Best Buy screams you.

[C]

Yeah, that's me.

[A]

There he is.

[C]

Well, we had just moved into a new apartment after living with my mom and some friends.

[A]

So better go get some gaming things. Better go get some gaming things. Right?

[C]

Yeah.

[A]

I'm a gamer. I play Fortnite.

[C]

We got a tv, a printer and a switch. And then we also got.

[A]

You need a printer at your house?

[B]

We needed it for some stuff for work at the time. It doesn't get used. It doesn't get used super often.

[A]

Yeah, it's a printer in 20, 25. It's like workplaces.

[C]

I don't think we ever even got paper for the printer.

[B]

We've had paper we have used.

[A]

Sell it, sell it. Go to Kinko's if you ever gotta get it. Okay. If you ever got a print. $1,160.19. At least. This one's not maxed out. $11.62 minimum payment. It's actually interest free right now. And you got your tv, so you can get your Fortnite frames. I get it. Got a switch because you have a kid, which is a good excuse to get a switch. I can't find a good excuse for me to get the Switch 2 right now. So maybe I need to put a baby in someone and then I can get a good excuse. It's a big commitment though, just to get a switch. 2.30.49% interest rate. But why isn't it. Okay, so. Oh, lots of deferreds. Well, one ends at two end in a few months and then the other three end at the beginning of next year in about six months.

[C]

Yeah. I've been trying to make sure that I'm able to pay those off before the interest hits.

[B]

It's all deferred.

[A]

$613 of deferred interest has been. Is just waiting. It's just waiting.

[B]

What are you guessed to by August, right?

[A]

Yeah, for some of them, yeah. A month and a half. A month and a stupid half. You have to pay off? $369.

[C]

I should be able to pay that off.

[A]

$369 divided by. Well really, you just have to essentially just have to make that payment next month. Okay. You put that in parentheses. It's essentially the only option. Or you get. Oh, it's a 3D printer.

[C]

I do have a 3D printer. But no, she's talking about.

[A]

Why do you have the 3D printer? Sell it.

[C]

Okay.

[B]

I think, yeah, we, we got the 3D printer.

[C]

I think I got it pretty cheap.

[A]

Yeah, sell it. Make a profit.

[C]

I usually use those for like minifigs for D and D. Yeah, we're no.

[A]

Longer spending money on D and D.

[B]

Yeah, we just told them the other day that we were cutting down on sellers.

[A]

Sell it often.

[B]

We were coming out there.

[A]

Sell it. Hey, you got a TV. You got a PS5. You didn't tell me that.

[C]

I was getting there.

[A]

Uh huh. Professional Gooner. Always getting there. Never arrives. That's what she said. Why? Dude, you're just a gamer to the core, but you're blowing all your money. Put it on debt. That's about the. If you don't make a massive payment by this next month.

[B]

Yeah, I think we had it budgeted in to pay extra towards that this month.

[A]

Budget. You guys have no money. I don't know what the you're talking about. Yeah, and the interest rate's insane. Okay, what's the Amazon? Who has the Amazon card?

[C]

That's me.

[A]

Really?

[C]

Yeah.

[A]

Okay, what's going on? What's going on with this?

[C]

I opened it because, I opened it because I, they, they had this deal going on whenever you first opened it to like get so many like.

[A]

And now the deal is that you're purchasing and you have a balance that you can't pay off that takes eight years if you only do minimum three payments without purchases which you're incapable of. And 34, $34.25 of interest accrues on a monthly basis with a minimum payment of $49. That's the deal. That's a good deal. Okay. Yeah, I'm sure you got some sign up bonuses, but look, it's you. You're not credit card people.

[B]

Yeah, we got, it's maxed out.

[A]

It's actually maxed out.

[B]

Yeah, we use that to get a lot of things for our payment.

[C]

I just realized that my Amazon prime payment goes on there and I've only been making minimum payments instead of paying the extra for that.

[A]

So I think it's crime and crime video.

[C]

I think it's been going up instead of down like I wanted it to.

[A]

Yeah, that's what happens when we don't look at our finances? You guys said you looked like once a month, right? I usually something you would catch.

[C]

I usually just look at like the balance and, and the balance isn't going down.

[A]

What does that tell us? Maybe we look at the purchases.

[C]

I don't think I paid attention to it. That, that.

[A]

$173 of interest this year so far. 26.49 interest this year so far. All right, financial audit listeners, I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know, after a couple years, I finally made the switch to a better platform for investing. And I got a lot of sign up bonuses so you can get some money if you come with me. So I made the switch to webull because it is the first platform that, that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control. I'm talking real deal charting tools, technical indicators and stock screeners that actually help you make smarter moves. So whether you're just starting out or just paper trading to learn the ropes, or you're like me and want extended hours, Weeble's built for that. And this is where this gets good. Because if you open a new account or you're transferring one over, Weeble's tossing out some wild bonuses for only my audience. If you put in 100 bucks, you get 30 days of Weeble premium transfer in or deposit 2,000 to $10,000 and you'll get $200 in cash right now. And if you've got big monies, like $5 million. Yeah. There's up to $30,000 in cash bonuses. Oh, and I'll throw in an extra $1,000 and they'll throw in an extra year of Wall Street Journal. So if you've got an account just sitting somewhere collecting dust, move it to Webull like I did. Do you want to start investing? Do it with Webull like I do right now. You get in the hint here. There's a lot of money just sitting there. And this is a much better platform than the one I was using before. So just go to webull.com or click this QR code. Links are in the description below. Just get started. Get money. Credit one. Credit one? Who's Credit one?

[C]

That's me too.

[A]

This is the worst it gets. This is like the worst credit card.

[C]

Yeah, that was my first credit card.

[B]

Yeah, I Was like. He's had that since before we met me.

[A]

Man. Why the fees that are just hitting usually.

[C]

I used to have two, but I did cancel.

[A]

Then cancel this one.

[C]

I have to pay it off first.

[A]

Pay it off. $973.57. At least you're not getting those fees up the butt. Like, usually with this. And then a 28.65% interest rate. Four years to pay this off. $49 minimum to payment. What'd you put it on here?

[C]

I think just random bull.

[A]

Did you use this card to put 500. 500 down on a motorcycle or was that the last card?

[C]

I think I. I did it on a couple of cards because it was 2000.

[A]

Put it down. You put a down payment on a credit card for a motorcycle?

[C]

Yeah.

[A]

Do you ride the motorcycle?

[C]

Not the last. Like two years.

[A]

Two years. Sell that.

[B]

We're. We're trying to.

[A]

We've been trying to.

[B]

We've had it on Marketplace. We've talked about to people.

[A]

Then it's priced too high.

[C]

Yeah.

[B]

Yeah. Because we were.

[A]

What are you trying to sell for?

[B]

What we still owe on it was. We financed on it. Woodrow made some points on.

[C]

I thought it was cheaper because of gas and insurance. And then I realized that the driving in Baton Rouge is really bad. And it kind of scared me. And I was like, I don't think.

[A]

Yeah. You'd get shot.

[B]

Yeah. At that time, we were living over 45 minutes away from his job. So we were looking for. And we were sharing a car. So we were looking for something that was a little easier and would be a little cheaper for a second vehicle option. It turned out to not be feasible after we got it. But he. We. He wrote it for a while. And now the battery has trouble.

[A]

Man. Oh, for stupid. Absolutely. Dumb, stupid, stupid sake. What the. Who's Capital One Platinum.

[C]

That's me.

[A]

Is everything yours?

[C]

A lot of it's mine.

[B]

I think we both have a Platinum.

[A]

Okay. Balance of $315.98 with a minimum monthly payment of $25. What's going on with this?

[C]

In November, we decided that we were going to get some outfits for Renaissance Festival.

[A]

You. Oh. Why do you spend so much money on this? You. I would love you to. When you don't have that.

[B]

Yeah. We have definitely put in way too much money and time into DND and RenFest and stuff over the years. It's something we enjoy. But we definitely could scale back a little bit. And how much we invest.

[A]

Scale back to zero. You have no money. You don't have an emergency fund.

[C]

I figured you scale back.

[A]

You scale back.

[C]

I figured after I paid for those outfits, we could continue to wear those outfits. So it was like kind of an.

[A]

Yeah. You're wearing them to Walmart just so.

[C]

The Renaissance Festival every year.

[A]

Uh huh. And.

[C]

And we've only worn it once.

[B]

So for Friend Fest last year. Or we wore them twice. The. The two times that we went this past year.

[A]

Oh, for sake. Dude, You've had a late fee this year.

[C]

I did call and get them to undo that late fee.

[A]

I don't. It's not. It's not showing me undone. Okay. Undued. Not showing me undued.

[B]

That laypee was due to. We were relying on my paycheck to come in. And it was the first time my paycheck ever did not come in.

[A]

Why?

[C]

Capital One had a big issue, so.

[A]

They shouldn't have to rely on a single paycheck to make a minimum payment of $25. If that's where we are, we're beyond. We're not talking about scaling back. We're talking about going to zero.

[C]

It's because I used my past paycheck to pay off all the bills because I figured there was going to be another one coming in for there.

[A]

Why live on the edge that always have a little bit of a cushion in the checking account. Like 1000 bucks.

[B]

We sometimes have a little bit of a cushion, but it's never been that.

[A]

Much and it never lasts that long.

[B]

Yeah.

[A]

Hundreds in interest, I think. 27.99% interest rate. Okay. Quicksilver 1. Who is this?

[B]

It's probably mine.

[A]

Finally back to her. Good. Oh, substantial bounce with this one, let me tell you. Maxed out 1,000. No, about 100 bucks away. 90 bucks. $558.09 is out on here with a minimum monthly payment of $58. What's going on? 12 years to pay this off.

[C]

I actually think that's my quicksilver.

[B]

Might be your quicksilver.

[A]

Oh, dude. This is you, you, you, you, you over and over again. Maybe it is you.

[C]

Who's this house, cuz? Mine has the 1600 balance or 30% interest rate.

[A]

$190. Why'd you go into this debt?

[C]

I want to say that I just use it for just random bull.

[A]

They're saying you got to get more credit.

[C]

Yeah. Just to have a higher balance. Like a higher limit.

[A]

That's so silly. Why have a higher limit that allows you to have more interest accruing constantly.

[C]

Well, so ruins you. I get it. And Then I say, I'm not going to use this. And then we end up using it.

[A]

And then you do it every single time. You think that that won't apply the next time?

[B]

Yeah, I'm not. I don't remember which one, but some of these credit cards we did use last year for the. For the rental cars. And we did a group. We did.

[C]

That was Mission Lane.

[B]

That was the Mission Lane that we used.

[A]

Dude, I don't know, man. Discover who has Discover it.

[C]

That's me, dude.

[A]

It's just you, you, you, you, you.

[C]

Yeah, I. They are the problem because I make more than her. I'm usually able to get.

[A]

But you also spend more. Yeah, we're combined household. Wait, we're not married. Why? Again, maybe we should. I don't know. You guys just enable each other. You guys are bad influences on each other. Do you blame each other?

[B]

We do tend to enable each other on a lot of purchases, but it's the purchases that we don't discuss that seem to lead to everything.

[A]

58 doll minimum payment balance of $1,668.23. $37.85 of interest accruing 6 years to pay this one off. Oh, he got this one for a balance transfer. I wish you guys could tell me instead of what you guys told the producers the other day and then somehow completely forgot by the time you came on that show. Well, it's a balance transfer, but it's at 27.24% interest.

[C]

Well, it was supposed to be a balance transfer for 0% interest rate. And then once I got it, it didn't allow me to do a balance transfer because they only had it for a limited time for some reason. So they marketed it as a balance transfer, but once I got it, it wasn't. So I just kind of spent it like a normal credit card.

[A]

May I ask, what's the level of down syndrome in this household?

[C]

Zero, I believe.

[A]

Okay, just checking the cell care credit.

[B]

We got that for our dog.

[A]

Of course we did. Because pet insurance. Why would we.

[B]

We do have pet insurance and.

[A]

Well, I guess that makes sense because it's a 485 instead of thousands and thousands, right?

[B]

Yes. He so far this year has had to have both of his canine teeth removed for he was a stray. And they were. We brought him for his checkup this year for his rabies shots and everything to be up to date. And they said both of his teeth were canon. Teeth were infected or good.

[A]

I'm glad they got him.

[B]

And so they removed Both of those.

[C]

He's also going through heartworm treatment.

[B]

He is going through heartworm treatment right now.

[A]

Okay. Yeah, it's hard.

[C]

The insurance doesn't cover his heartworms, so. Okay.

[A]

It's bad insurance.

[C]

It's because he had them. He was diagnosed with them before we got.

[A]

Well, it is interest free. $30 minimum to pay. This expires on February end of February next year. Okay. It is deferring interest. $50.85 so far. 485.5. Pay that off and let's call seven months to be safe. Okay. We need to make 69. We need to make a $70 payment on a monthly basis. So we need to make sure we're doing that.

[B]

Okay.

[A]

Okay. 32.99%. Yeah. We gotta hit this hard. Okay. One main financial. Whose is and why? 25.3%.

[B]

I think it's both of ours, but.

[C]

It might just be on my name.

[A]

Wait, what is this? Is this a car?

[B]

No.

[A]

What the is this?

[C]

We actually switched from a different loan that had a much higher interest rate.

[B]

Much higher than 25.26 and much higher monthly payment.

[C]

A shed Hoping to turn it into like a tiny home.

[A]

Oh, guys. What the are you doing? What are you talking about?

[B]

We're.

[A]

And how'd that go?

[B]

It did not. Yeah. We have not been working it. We were looking for.

[A]

Are you renting it out?

[B]

No.

[A]

So what the is the purpose of this?

[B]

We were looking to buy a trailer and we had put down a down payment and we had signed paperwork and we're just waiting to sign closing paperwork and something came up and we were not able to get it. But we had moved out of our apartment and we're living with family and we thought it would be a easy way to cheaper and have a place of our own and have a place for our own to move into.

[A]

Guys, what's going on?

[B]

The.

[C]

But we haven't really wrong.

[B]

Ida hit later that year and then he started truck driving hurricane. And then he was over the road for the next six plus six months.

[C]

Until we just don't have the money to renovate it.

[A]

Yeah. No. So where'd this money go to? You're breathing heavy.

[B]

Okay.

[A]

Which is okay. There is another. No, no, no, no. It's okay. But it's another indication of we should probably. Probably. We need to really get on a diet. Okay, Keep going.

[B]

A year after we got the original loan with the. The tiny house, they cut his hours significantly. So we went from paying the higher interest rate and almost 800amonth. For it down to the 430. That is on the one main.

[A]

Yeah, it's at 420 on a monthly basis. 25.26% interest rate. $10,932.18 is your current balance. So what the fuck are we doing with this then? Can we get rid of it?

[C]

We still want to pursue maybe living in it at some point, but we have to find the money to put into it to be able to.

[A]

Okay, what about Mission Lane? Who is this?

[C]

That's mine, dude.

[A]

It's all yours. She's had.

[B]

I have three or four. Yeah, most of them we share together. We just.

[C]

Yeah.

[A]

Minimum monthly payment. $750.63 is the balance of the minimum payment of 26.73.

[C]

That was when we needed the rental cars, big man.

[A]

Okay, well, we're losing $18.73 in interest for past rental cars. Earned $96 this year so far at a 29.99 interest rate.

[C]

Yeah, we. Even when we had the coverage for the second rental car, we still had to put the damage waiver on the.

[A]

Car, which was how much?

[C]

It was like $400.

[B]

Yeah, it's.

[A]

Oh, here's the bike. Here's the stupid mother. Stupid tip bike. Okay. What the even is it? What's the model? What is the model?

[C]

It's a 2018, a soft tail slim.

[A]

She wrote it for two years.

[C]

Yeah, I haven't written it in like two years.

[B]

We. We. We jump it and we start it every once in a while, but he has not drove it in a while.

[A]

430. $430.52 a month. Is the payment or no? Yeah. Is the monthly payment. What's the balance, though?

[C]

It's like 12,000.

[A]

No. At what interest rate?

[B]

I. I think it's lower than that now.

[C]

I think it's like 17.

[A]

10,000. It's 17 for a motorcycle. What is it?

[B]

Yeah, we. We were just going to look at it, and by the end of the time we left there. We've been there a couple hours.

[C]

I actually wanted to get it that day. I thought about waiting, and I was just kind of pushed by the salesman and by.

[A]

Pushed. Oh, are you not a fucking. Are you not a man? Say no. Not saying. You can't say no to a salesman. But. What the.

[C]

Well, it wasn't just him. It was also. Ruby kind of pushed me into it because it was a. It was a good idea saving gas and insurance.

[A]

You pushed him into it.

[B]

I. It was something he wanted. And do you know the desk.

[A]

A father of your child?

[B]

Yeah. Looking more into it now. It definitely looks pretty dangerous. I've had a lot of relatives that rode motorcycles and they haven't had any problems on them. So I didn't realize how high it was until after looking more into it. So I'm not upset that he has not been riding it as much. We have been looking into trying to sell it, but most of the inquiries we get are people saying that they can get a new one for not much more than ours.

[A]

Yeah, probably so. Good market for you guys versus when you got it.

[B]

Yeah. So we have not had much luck with that.

[A]

What are you trying to sell? Oh, you're trying to sell it for the balance alone, we're saying 10,000.

[B]

Yes.

[A]

It's worth about 8,900. We're seeing.

[B]

Yeah, we have seen that. We have considered putting it lower and then just paying the difference. So we would have lesser balance.

[A]

No. So you don't have another minimum fee payment. You can't do anything right now. Is that all your debt?

[C]

I think so.

[B]

I think so.

[A]

That's a horrendous list.

[B]

A very long list. It is a very long list.

[A]

It is a very long list. It is $42,291.97 on bad debt. Not a single thing good there. You don't own your cars currently?

[B]

We do. We do both of them. We.

[A]

Is that out of debt?

[C]

No, we own them out.

[B]

No, we own them. We bought them.

[A]

Okay, good. $10 in this checking account. What the is this?

[B]

If it's my checking account, My checks are also.

[A]

What are the condition of these cars, by the way?

[C]

They're really old.

[A]

Years and miles.

[C]

They're 2001 Chevy Suburban and then a 2001 Grim. Over 200,000 of those.

[A]

Okay, so the market. What are we gonna do when they inevitably do not work sooner than later?

[C]

I'm a do it. Do it yourself mechanic.

[A]

Cool. You did it for your last cars so.

[C]

Well, those. My last cars were totaled. How?

[B]

The first one, he had a one. It was just his car like one accident.

[C]

I had a What if you hit.

[A]

A poll, what are you guys gonna do? You can keep put. You can keep fixing it, but that's also money to share a car.

[B]

Had been doing. And then the. We went and we financed a new car.

[A]

Blowing away a new car every three months on. You guys is going out to eat every three months. The amount of food you guys are putting in you is the amount that you get a. Okay. Used car. Not great.

[C]

Four months after I hit that pool. We did buy a new car. And then.

[B]

Which is what we use the. And then we used the little bit.

[C]

Of money we had like seven days later.

[B]

And exactly a week later, a guy ran a red light. And we told the accident and no one looked into it, so we were deemed both at fault.

[A]

Dude, this checking account is $10.14, yet we're going and getting some bull. Bull. Doordashing, cash apping out, door dashing, Chick Fil, A Pizza Hut. Food Mart. Food Mart, Food. Martin, every time we go in, there's this bull. Your dumb little jailer thing.

[B]

Yes.

[A]

Surprisingly, no overdrafts this year on that one. And then this other one that doesn't have much money in it.

[B]

Money goes to his bank account.

[A]

So his next checking account, Wendy's. McDonald's going in, getting some BS. Lakeside Bar, Texas Roadhouse. Lakeside Bar. Water Burger, pizza, Waffle House. McDonald's. McDonald's going in, getting some BS. AMC, AMC Chili's Atheim withdraw. Domino's Lakeside Bar. Walk on Punjab. Diarrhea is an Indian place. Sounds about right. And we went in and got some B.S. again, no overdraft fees. Savings $0.01. We're on our way.

[C]

I put all of my savings into.

[A]

A lot of safety for our kids. An investment account, that's not an emergency fund. An investment account's under an emergency fund. You don't know what the market's gonna do. Okay, this investment account, $1,237. So that's what our big savings are.

[C]

Yeah, currently I'm trying to put $100.

[A]

And then someone who's principal financial group.

[C]

That'S me, that's his partner.

[A]

Well, at least you're at 17,362. That's the 401 is definitely dramatically behind for retirement because before taxes, you're probably times 12. Probably. Probably want you to. Yeah. For your age, we'd want you at minimum to be at about, see, 32,000. So we're still dramatically behind. And then you have nothing, do you?

[B]

Very little.

[A]

Okay, we have nothing. Gotcha. Okay, let's see if we can budget this, guys. This is. I don't know. I'm quite defeated. I'll be honest. Just these numbers stack and stack and stack and stack and stack and stack and stack and stack and stack and stack and stack. But your total income for the house is 5,500 debt payments. Oh, here we go. Our debt minimum payments. None of this is even a mortgage. It's $1,499.26. No car payment. We do have a bike payment, but no car payment. This is insane. Debt payments. What's your rent?

[C]

1,212 50.

[A]

Utilities all combined, plus Internet.

[C]

150. 210 with Internet.

[A]

Good Gas room drive. Drive. Both of you combined probably like 500k. Car insurance?

[B]

It's 275 for both cars.

[A]

Phone bill?

[C]

250.

[A]

Yeah. Do you owe on your phones?

[C]

She still does.

[A]

Once that's paid off, switch to T mobile. I saw you had or I see you have T mobile, so switch to helium. 250, you said yes. It's crazy necessary food. You and your kids should probably be able to do 1200 and that's being generous. Can meal prep and actually I'm gonna do 1100 meal prep. Use our budget friendly cookbook meal prep. And I don't care if you guys don't like it or if they don't. 1 Diet. 2 Financial Diet. TP Fund. Anything else you and your kids need to survive. I'll do 350. Get 300. Medical healthcare, anything on a monthly basis. No CO pays, blah, blah, blah, prescriptions, anything like that. No. I don't know if I should ask this, but. Jim.

[C]

No Jim.

[A]

Okay. Subscriptions will do 50. What's your pet insurance?

[B]

70.

[C]

Oh, it's 80.

[B]

80 pet food, probably about 50.

[A]

Anything else that needs to be in your budget?

[C]

I know. $50 for the OMV.

[A]

What's that?

[C]

Office and motor vehicles.

[A]

50?

[C]

Yeah.

[A]

I don't know how you're gonna survive. $5,564.26 is what you need to survive on a monthly basis. I mean, you're obviously underwater by $64.26. What the was your plan? What was your plan? Because I couldn't talk about a plan. But what was your plan? Because right now it doesn't make sense.

[C]

I've been working a lot of overtime and just trying to like push to get.

[A]

This is with your overtime though, right? Cause you said the monthly that hits Your account is 4300.

[C]

That is on a. On a month where I'm working 60 hours a week. I can work up to 70.

[A]

This dude, you're gonna have him working 70 hours a week on the road?

[B]

He's not on the road. He is at home. He's not at home, but he's at.

[A]

A 70 hours a week still. 70 hours a week. So you can work 30.

[B]

It's not what I want. He is required to work those hours at his job. Unless he leaves.

[A]

He's not required to work 70.

[C]

Just 60.

[B]

If they're having a Saturdays.

[C]

Yeah.

[B]

I also pick up extra hours on the weekends and on days that we have people available to watch our kids.

[A]

It's essentially the only option. Listen, here's the thing. I don't know how you come up with 369 to avoid that deferred interest. You guys don't make enough money. But let's say you bring in 6,500 instead and you have an extra, let's call it $900 with this debt, 2,200 divided by 947 months. Or that still takes four years. Four years to pay off debt. But you guys bring in an extra net $1,000 than you do now. That's not easy. That's not as easy as that. Guys, I'll be honest. This is what I think I might do. I might prove our behavior by budgeting like crazy. Stop paying on some of the debts. Budget like crazy. No more spending. Show that you're being disciplined. And if you can do that for three months, come on. The Financial Auto follow up channel. Let me see, three months of statements. And if you do that and you actually budget, you don't around. Bankruptcy sucks. It ain't cheap. Few thousand bucks. It ain't stressful or it ain't not stressful, especially as a couple. Some can be less stressful, some can be more stressful. These are a lot of accounts. And you got to pay for the legal behind it. And it's still going to be on your credit. Seven to ten years depending. It's going to. Yeah, you're going to essentially have to stay at your place because good luck getting another big apartment complex type rent. You need to stay at your place as long as you can. But I mean still four years bringing an extra thousand hours a month. He's already working 70. What are we doing with the kids and everything? It's hard. This might be a bankruptcy situation, but you need to prove you changed your behavior before you do it. Because if you don't, I'll see you here in two years again, being right back where you are. And we've seen that on the show. People who've been through bankruptcy and they're back to right where they were because they didn't change your behavior. So you got credit and then you got finances. Let's just do. Let's just settle with credit. That might be what I do. Or put in the hours. If you can bring an extra thousand hours a month, there's that. Now I know we're going to talk about your crazy pornography in the post show. It's going to be very interesting, very curious to hear about that because I don't know I spent thousands on that a couple months. But yeah, that's going to be interesting. So I'm going to do your Hammer Financial score. Bankruptcy is probably the thing you got to come back on the follow up channel. But guys listen. Join Hammer Elite in the description below. Join our membership. Hammer Elite is the middle tier. It is the best tier, best YouTube membership on the platform in the history and they have told us that as we are the second largest now on our way to number one on the platform because it is the best. So join that. Thousands of hours of extra content, multiple dedicated shows a day every single day of the work week. Not just financial audit. More shows that you get to enjoy throughout the day. So subscribe. It's awesome to get your Hammer Financial scores Spending a budget technically because a little extra money came in just do choose some extra payroll. You actually made it but it just all went all to fast food. So the spending within the budget 2 out of 10 because it still wasn't going good. Spending debt is horrendous, but at least no collections or IRS debt. So 1 out of 10 is better as you can get. Without those two emergency fund there's nothing. 0 out of 10 retirement. Yeah but if we combine you guys together that brings you down dramatically. So 2 out of 10 real estate 0 out of 10. It's going to be a Hammer Financial school score of 1 out of 10. All right. Join us in the post show. You already know it's going to be a really goony conversation. It's going to be a good one. But if you don't want to be like someone that would be a guest on the show, all you have to do is download the dollar wise budgeting app, start your free trial, sign up for the annual version. I will sign our budget friendly cookbook, mail it directly to you and join Dollar Wise Central which is the all in one membership which includes the budgeting app and all of our educational programs all in one for a much cheaper cost and buying them individually. I'll see you in the post show.

[B]

Decision was made today to keep this behind the scenes.

[A]

You were sending pictures of to girls.

[B]

I used to find out just because I would see like the payments on the card. It was like what something. It would also be like videos.

[A]

What would they do?

[C]

Just say my name.

[A]

People do this.

[C]

You can tip on there for certain things.

[A]

The you tip it for elusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.