The First LGBT Divorce On Financial Audit

Summary

Financial Audit

Episode: The First LGBT Divorce On Financial Audit

Host: Caleb Hammer

Guests: Trisha (22, Ultrasound Tech) & Carrie (32, Sous Chef) - San Antonio

Date: September 3, 2025

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Overview

This episode features Trisha and Carrie, a newlywed lesbian couple from San Antonio with a significant age gap (10 years), as they undergo a financial audit with Caleb Hammer. They candidly explore their $130k+ debt, current financial behaviors, communication issues, aspirations to start a family (via IVF), and the legacy of previous relationships and family dynamics. The episode delves into the emotional and practical realities of combining finances, tackling debt, and planning for a future together in the wake of an LGBT divorce and challenging upbringings.

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Key Discussion Points & Insights

1. Meet the Couple & Their Income

• Introduction & Background

  • Trisha: 22, mobile ultrasound tech, earns $24/hr, 40–50 hrs/week, $4,000/month take-home.
  • Carrie: 32, sous chef, $50k/year (~$3,150/month take-home).
  • Dual-income household: ~$7,100/month.

• Debt Burden & Living Situation

  • $133,734.81 in total debt, with a breakdown coming through the episode (credit cards, car loans, student loans, store cards).
  • Renting a townhouse, five dogs are a notable part of lifestyle and expenses.

"We're surviving. We're getting there." — Trisha (02:58)

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2. Relationship & Family Planning Dynamics

• Rapid Marriage & Age Gap

  • Married one month ago, dated for 2.5 years. Age gap noted (32/22).
  • Discussion on feeling rushed ("I wouldn't say that I felt rushed, but... did feel like it was in times two speed." — Trisha, 24:55).
  • Both acknowledge "playing catch-up" in different ways due to age and life stages.
  • Past relationships: Trisha was previously married to a man at 19, divorced in less than a year.

• IVF & Who Will Carry the Child

  • Want children soon, prefer three. Carrie (older) wants to try carrying first: "I would like to try first...because I'm older." (07:09)
  • Disagreement exists but not conflict; biological readiness and finances play roles.

"I'm trying to push it as much as I can right now so she doesn't end up 32 and $133k in debt like me." — Carrie (13:10)

"Instead of me succeeding you, why don't we meet in the middle and start succeeding together?" — Trisha (14:14)

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3. Communication Issues & Money Habits

• Habitual Overspending & Lack of Accountability

  • Both admit to not budgeting, and having separate finances until just two weeks prior.
  • Frequent Amazon purchases, impulsive spending, and lack of monthly financial discussions.
  • Both guests have struggles with self-control and mutual accountability, especially on nonessentials.

• Notable Quotes:

  • "Whenever I get home and there's Amazon packages...it's a little, kind of like out of left field." — Carrie (11:02)
  • "I think the conversations include her saying, 'hey we should get our finances taken care of,' and I'm like, 'yeah.' And then I just keep doing exactly what I was doing before." — Trisha (09:57)

Memorable Exchange:

• Caleb: "So, fresh into a marriage and we don't communicate solid." (20:37)

• Trisha: "Yup. 10 out of 10." (20:40)

• Joint Finances

  • Now depositing both paychecks into one account but only recently started.
  • Discrepancy in awareness of actual spending (one estimates $7k/mo, other $9k/mo).

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4. Debt Breakdown & Trouble Spots

• Credit Card & Store Debt

  • Multiple credit cards/store cards, often maxed or over limit:
    • Kay Jewelers (wedding rings): $5,172.91, large deferred interest hit. (26:32)
    • Home Depot: Washer/dryer purchase, $1,505 balance. (34:27)
    • Big Lots: Recent couch, deferred interest hit.
    • American Eagle: $334 for jeans (often unworn).
    • Discover: Over the limit, purchases continue even while maxed.

• Vehicle Loans

  • Trisha’s Honda HRV, $21.5k (5.54%): Co-signed with her ex-husband, creating risk and stress. (77:36)
  • Carrie’s nearly paid-off Jeep, $9.3k (8%).

• Student Loans

  • Trisha: $29k, missed payments have tanked her credit (474 score). Now on income-based plan. (81:03)
  • Carrie: ~$50k from various studies; not paying due to current school enrollment.

• Collections

  • Trisha has a past apartment lease in collections.
  • Carrie has possible engagement ring collections issue pending.

• Late Fees & No Autopay

  • Frequent late fees on nearly every card.
  • Neither uses autopay—Carrie: "Something about it makes me anxious." (39:09)

"You have reasonable aura in this conversation, but then you don't put in anything." — Caleb (48:05)

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5. Spending Triggers & Lifestyle Choices

• Eating Out & Convenience Purchases

  • Over $900/month spent eating out; "snacks and Red Bulls" a huge recurring expense.
  • Excuses include inconvenience of meal prepping, irregular schedules, and "seeing something shiny."

• Hobby Spending

  • Plant collections ("little collections"), impulse buys, multiple lunchboxes.

• Dog Expenses

  • $280/month on dog food for five dogs. No pet insurance. (83:43)

• Subscription & Miscellaneous Spending

  • Netflix, multiple streaming services, podcasts, "Try Guys," Heart Starts Pounding, etc.
  • Overdraft fees have occurred on checking.

• No Emergency Fund, Retirement, or Health Insurance

  • $1,000 in savings max; "acorns" app with $10.
  • No active retirement planning.
  • Neither has health insurance; can't afford/is waiting for employer enrollment. (91:36–91:46)

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6. Family & Upbringing Influence

• Trisha’s parents: Homesteader, biblical, not supportive (of her divorce or sexuality).
• Carrie's family not discussed in much detail.
• Both want to break family money habits, though Trisha acknowledges her parents are "financially successful" (33:37).

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Notable Quotes & Memorable Moments

"We're both irresponsible on this. Like, you wouldn't communicate about it and then you just let it go. Like, I don't know what to do." — Caleb (29:29)

"I know this is a partnership, but I want her to do better than me, so she's not..." — Carrie (15:33)

"In my mind, if I have it in my checking account after I pay for it, then I can afford it." — Carrie (86:42)

"If someone does three puffs of meth a day and you do one, doesn't make you good." — Caleb (71:19)

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Key Segment Timestamps

• 00:30 – Start financial audit, discuss relationship, age gap, and finances
• 02:56 – Income & debt revelation
• 05:00 – IVF and who will carry child
• 07:54 – Trisha’s past marriage & divorce
• 09:38 – Money communication struggles
• 11:02 – Amazon/package spending issues
• 13:34 – Age gap & attitudes toward money and catching up
• 16:11 – Family planning (number of kids, IVF)
• 18:12 – No budget, failure to track spending
• 19:52 – Monthly overspending, big events
• 24:41 – Did Carrie rush Trisha into marriage?
• 26:32 – Kay Jewelers deferred interest drama
• 29:29 – Apprehension about financial accountability
• 34:27 – Home Depot card, plant collections
• 39:09 – Aversion to autopay
• 47:21 – Trisha’s credit score exposed (474)
• 50:04 – Lunchboxes, food spending, and convenience
• 59:02 – "Important bills" vs. "credit bills"
• 62:02 – Why so many dogs?
• 65:49 – On sexual orientation, family rejection
• 70:02 – Poor budgeting, food/energy drink spending
• 83:43 – Student loans, Carrie's school plans, upcoming breadwinner shift
• 91:36 – No health insurance, medical cost stress
• 93:24 – Budget summary: They could get debt-free in two to three years if disciplined
• 94:25 – Final Hammer Financial Score: 0.5 out of 10

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Host's Assessment & Advice

• Primary Diagnosis

  • They make enough income but are sabotaged by uncoordinated spending, lack of budgeting, and no financial guardrails.
  • "This is just a budget situation... Just buckle down. If you guys budget, pay goes up, stick to your means... you’re out of debt." (93:24)

• Action Steps Suggested

  • Track spending TOGETHER monthly.
  • Use a budgeting app; get education (Dollarwise Central plug).
  • Prioritize debt pay-down — avoid new debt.
  • Get on autopay to avoid late fees.
  • Secure both health and pet insurance ASAP.
  • Realign priorities toward long-term goals: IVF, homeownership, family stability.

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Conclusion

Trisha and Carrie embody financial habits and emotional patterns that are extremely common among young (and not-so-young) couples in America: income that's "good on paper" goes up in smoke thanks to lack of planning, separate financial worlds, impulse spending, and avoidance of tough talks.

The episode is a wake-up call for anyone living paycheck to paycheck despite solid income—and especially for couples who want to start a family but aren't prepared to support themselves or a child. As Caleb repeatedly points out, their issues are fixable with planning, communication, and a willingness to confront hard truths.

Final Hammer Financial Score:
"You guys are 0/10 for spending, 0/10 for collections, 1/10 for emergency fund, 0/10 for retirement, 0/10 for real estate. Rounded up: 0.5 out of 10." — Caleb Hammer (94:25)

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If you haven't listened, this summary covers all the tension, the humor, the hard truths, and some tender realities behind starting over (with love and debt) as a couple in 2025 America.

Transcript

[A]

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[B]

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[A]

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[C]

Of Financial Audit A. Check us out on YouTube. I specifically have notes that you guys told the producers that Carrie rushed Trisha into getting married.

[B]

That's maybe a little bit. When we first started dating, you were like, I want this, this, and this. By this time, who wants a kid more? She wants a kid more.

[C]

Who's getting pregnant? I would like to try a weird reaction.

[A]

I thought maybe you would want to donate.

[B]

Don't speak for both of us.

[C]

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[B]

Hi, my name is TRISHA and I'm 22 years old.

[A]

Hi, I'm Carrie. I'm 32 years old. And we're from San Antonio, and this is Financial Audit.

[C]

Thanks for coming up. From San Antonio, guys. What do we do for a living? You're in front of me. Trisha, let's start with you. What do you do?

[B]

I'm actually an ultrasound tech. I work for a mobile company, so we kind of travel around a lot, but.

[C]

Okay, what are you making?

[B]

24 an hour.

[C]

Cool. How many hours a week?

[B]

Like six, maybe 50 hours.

[C]

Does that sound right?

[A]

Yeah, just gone.

[C]

Okay, because she seemed questioning.

[B]

Well, it really depends because we travel a lot, so there's a lot of drive time involved. And it depends.

[C]

Are you paid for that?

[B]

Yeah, it's only $10 an hour.

[C]

So what's hitting your account on a weekly monthly basis?

[B]

Monthly basis, probably about 4,000.

[A]

Okay.

[C]

Not bad. Not bad at all. And I assume this is a dual household income? We're a couple. Are we married?

[A]

Yes, just newly married.

[C]

32. 22. When did you guys get married?

[A]

Last month on the 14th.

[C]

Yeah, Twitter won't like that age gap, but that's okay. We live in the real world, so True. I don't give a y. And what do you do for a living?

[A]

I'm a sous chef.

[C]

Cool.

[A]

Yeah.

[C]

Did you bring us any food?

[A]

No.

[C]

I am fat and I like food.

[A]

No, this is my day off, so I left it at work.

[C]

All right, that's a little racist of you, but that's okay. What do you.

[A]

What do you make, 50 a year.

[C]

Okay, what does that break down to when it comes to hitting your account on a monthly basis?

[A]

Monthly. It's about 31. 50.

[C]

Okay, cool. So in San Antonio, cheapest major city in all of Texas. If we're adding that at 4, 5, 6, 7. $7,100 a month. Certainly not bad. How are we doing? I mean, obviously you guys are on this show, but how are we doing?

[B]

We're surviving.

[A]

We're getting. We're getting there.

[B]

Yeah.

[C]

Are we actually doing either of those things?

[B]

So we have five dogs.

[C]

What's the importance of that in this conversation?

[B]

Well, I feel like that really revolves around our life and how we live, because a lot of the times, like, if we need to go somewhere or if something like that happens, we have to find some type of care.

[C]

Why does that matter? I'm not telling you to go on vacation.

[B]

Well, just like living, we have to be home by a certain time to make sure that the dogs are fed.

[C]

Make sure you guys make good income.

[B]

Well, yeah, but as far as, like.

[C]

How you're spending that you got you into debt, what's the living Weird situation. Okay, I don't see a mortgage in here, but I do see $133,734.81 of debt. What the. You didn't know this?

[B]

Oh, I knew it was a lot.

[C]

I didn't know that. You didn't know. What did you think the debt was?

[B]

Well, I didn't know the exact number. I knew that we were.

[C]

What did you. Who's bringing the. The majority of this? So we just got married a month ago. How long have you guys been seeing each other? Because Lesbians.

[A]

Yeah. Fast and furious.

[B]

Go ahead.

[A]

We weren't. We weren't that fast. We were together for two and a half years.

[C]

That's actually pretty substantial.

[B]

Yeah, for us.

[C]

How'd you guys meet?

[A]

We actually worked together. We worked at the same restaurant. I ended up going to a different restaurant, but I was management and she was bartending.

[C]

Okay. Why did you feel like you immediately had to preemptively defend that?

[A]

Because I know there's a lot of stuff on the Internet about power dynamics and taking advantage of that.

[C]

But they don't know what the they're talking about.

[A]

Yeah, I guess you're right.

[C]

But that's why I know when no one listens to them, it's like 1% of the Internet. That's just very loud.

[A]

That's fair. I just did. I wanted to get ahead of that before I came and bit anybody in the.

[C]

So what are we doing? What are we talking about?

[B]

I think our ultimate goal here is just to get out of the debt that we're in and start working towards having a family mainly. Yeah. Kids.

[C]

And I think how we doing that.

[B]

Ultimate way to do that is ivf.

[A]

Ivf?

[C]

Oh, yeah, yeah.

[B]

I mean we've talked about it, but there hasn't been like a set plan.

[C]

So who's getting pregnant?

[A]

I would like to try first off because I'm older in age and I would love to carry one of our children.

[C]

So we saw a weird reaction.

[B]

There's like a big. I wouldn't say issue, but like I feel like between the two of us it would make more sense for me to do it. But she definitely. I'm younger. I have.

[C]

So. Biologically.

[A]

Yeah.

[B]

Yeah, biologically. Physically, I wouldn't say mentally and emotionally because she definitely has that more than I do. But it just. My body would.

[C]

This is a disagreement in the marriage?

[A]

No, not a disagreement.

[B]

No.

[A]

I just.

[B]

I want her to try.

[A]

Yeah, I understand that. Biologically it would be more difficult, but that's why I want to get out of debt quicker so I can try before I'm 75 years old.

[C]

Have you spoken? Have you. Do you know you can.

[A]

No, I. We don't know. We haven't looked that far into it because all of that takes money and we obviously don't know how to spend ours correctly.

[C]

Okay. Because it's less of an age thing. But you know, just sometimes health wise.

[A]

Right.

[C]

It can be a lot harder.

[B]

Yeah. Which I mean, I think once we start working towards it and we know that it's like within hands reach, I think we'll start making the steps to go forward with that and get ourselves physically checked out. But right now we're just not in that standpoint.

[C]

So you've wanted a kid for a while? Maybe 32. Yeah, I mean, I've decided we wanted to get a kid.

[A]

I think we kind of just naturally, whenever we first started dating, kind of brought it up, talked about it a little bit. But now that we're actually married, it's like we just feel like that's the normal, like natural next step is to start a family.

[B]

Yeah, her, since she's 10 years older than me. Like, she made it a point. Like, I'm ready to settle down and I'm ready to get.

[C]

Are we nervous about the 50% divorce rate for lesbian couples? It is the highest in the country. And I have had, for some reason, gay dudes don't want to come on the show. I don't know why, but you know gay women. Okay. Seems to be a common occurrence on financial audit. Sure, why not? Most I've had. Have all had previous marriages.

[A]

Yeah. That's funny. You say yeah.

[C]

So which one? I would assume you.

[A]

No, you would assume wrong. I was engaged prior to this, but not married.

[C]

But you were engaged?

[B]

I was, yes.

[C]

I mean, you were married.

[B]

Yeah, I was. I started dating this dude my senior year of high school. He had already signed a contract to join the military. Yeah, whatever. Whatever. Okay, cool.

[C]

So anyways.

[B]

Anyways. So of course I fell into that trap. My parents were like, nah, that's what you want to do. You can do it, but you're going to do it by yourself. So he went through his training AIT and got stationed in Texas. So that's why I ended up here. And it didn't really work out. It kind of sucked.

[C]

So you got married at 18?

[B]

I got married at 19.

[C]

You were married for a year?

[B]

Yeah. Even I don't think I was married for a full year.

[C]

It wasn't a full year. You got a divorce?

[A]

I think so.

[C]

How'd you decide to leave?

[B]

I met.

[C]

Are you serious? You guys kicked it off while you were married?

[B]

Ooh.

[A]

It's. It started out platonically. It started out platonically.

[B]

It really did. It really didn't turn into something until I was like, okay, I think I'm ready to leave.

[C]

Yeah, but you were ready to leave, and then you were immediately kicking into this. Meaning that we were there.

[B]

Yeah, mentally. Yeah. But I was.

[C]

Every single time.

[B]

I was mentally ready to leave for a while, though.

[C]

Like, you were married for less than a year? Yeah.

[B]

It doesn't take much to learn from how that guy was because he didn't want to combine finances. He didn't want to do anything together. He never wanted to get married. Well, of course, there was a fake face put on before I realized that he was kind of a person, especially.

[C]

Going into the military six months before getting married.

[B]

Yeah, of course I was. But I was also pressured into being married because of the financial aspect that comes from being married into this relationship or the other one, the previous relationship.

[C]

Okay.

[B]

Because they get the. A lot of stuff.

[C]

Do we feel pressured and did we feel pressured on either side to get married in this relationship?

[B]

No.

[A]

No.

[C]

Okay.

[B]

I mean, that's why we dated for a full two years before deciding to get married.

[C]

So what's our disagreement? What's our thoughts on money? Cause there's always. There's always something here with the couple. You guys are here. Obviously, the finances are. We just read off the number we're bringing into the marriage. Bad debt on both sides. What are these conversations around money that you guys are.

[B]

Do you want to tackle that one?

[A]

Just recently, I actually started watching you maybe a month ago, so I feel like I've been trying to get my head on straight. And especially, you know, being a little older, I just want to get her on the same page as me, and I feel like we're just.

[C]

What are the conversations, though, that you guys are having?

[B]

I think the conversations include her saying, hey, we should get our finances taken care of. And I'm like, yeah. And then I just keep doing exactly what I was doing before.

[C]

If you're able to acknowledge this, why?

[B]

Um, probably because I don't think I was financially ready to be there. I think I was stuck there to beware. To be in the same headspace as her. Because I think.

[C]

Then why are we married? Because finances are one of the leading causes for divorce. You're already in the highest divorce category. So why do we seal the knot, tie the knot if we're not on the same page for one of the most important things?

[B]

Because I think it was mainly because I wanted to achieve what she wanted. So I think I wanted to get there quicker, but I needed to be on the same page as her to get there, if that makes sense. So I'm trying to go, go, go and get where she wants to be, but I'm also stuck in my old habits. And I think that sealing.

[C]

Are you doing to change it? Are you changing because you could put in some effort and change?

[B]

I could, yeah. I completely.

[C]

What are we doing then?

[B]

What are we doing?

[A]

Spending. Like, we have money to spend whenever we.

[C]

So you too?

[A]

I feel like it's more from her because I am trying to get my together, but it's kind of just one half. Yeah. Whenever I get home and there's Amazon packages sitting on the front door and stuff. So it's. It's a little, kind of like out of left field, just coming home and seeing more stuff we don't need. Whenever she says, yeah, we'll fix it.

[C]

We'Ll fix it you guys not discuss, like, not purchases.

[B]

And I think it was.

[C]

I think everything.

[B]

I think it was a lot harder because our finances were separated. So, like, I couldn't hold my. Like, I. I can't hold myself accountable. I just don't have. I can't. I can't.

[C]

What is. I can't.

[B]

Like, there's been attempts.

[C]

What do they look like?

[B]

I mean, I really haven't attempted. I just haven't even tried to do it, I guess. But holding myself accountable is really difficult with my own bank account. So I know that, like, if maybe I had the same. If I had a second person on there, it would hold me more accountable because I knew that it wouldn't be just my money, it would our money.

[C]

Okay, so in the conversation around money, you earn a little more, you earn a little less. But again, we are not making bad income for the household. What is the relationship with deciding where money goes specifically? I know we don't talk about purchases specifically, but where's the conversation about what we're doing, what goals we have, what actions we have to put in together to do it?

[B]

I think our. We're so sad.

[C]

I have notes that even though I don't really care because you guys are adults, I don't give a. That you're 10 years apart. So are my grandparents. I don't care. But it's like, we have notes that you told the producer that you struggle.

[A]

With the age gap because I've had how many years ahead of her that I am. Like, we are fixing this.

[C]

If you're two years older than me, do not make me feel older. What the are you doing?

[B]

But also, like, I kind of feel like, a little bit. That kind of made me a little mad because, like, you're 10 years older than me, but we're still in the same boat. Like, we both still have credit card debt and a car loan and student loans and all this other stuff. And I'm just like, you might be 10 years older than me, but we're also still in the same boat.

[A]

You know, I feel like right now, in this period of time, I want to get it together right now. And I feel like maybe she thinks, well, you have 10 years on me, so I still have time to figure it out, to get to how old you are, to figure it out. Even, like, I'm just trying to push it as much as I can right now so she doesn't end up 32 and 100. And however much money you said we are in debt, but why did you.

[C]

Specifically Bring up then that we struggle with the age gap because you brought this up in the pre conversation.

[B]

I don't know. I think that. I don't. I wouldn't say it's much of a struggle. I think it's just. I don't even want to call it a setback because it's not a setback. It's just. I just feel like I need to play catch up with her because we are like, we're always going to be 10 years apart, but I feel like I'm constantly having to play catch up just to get like, where she wants me to be, if that makes sense.

[A]

I don't want you to play catch up. I want you to be ahead of me. I want to catch up to you because I'm so far behind. I want to. I want you to do better so I could be better with you and for you.

[B]

Well, I think. Because instead of you like me succeeding you, why can't we just meet in the middle and then start succeeding together?

[A]

I want to get there eventually. But since there is the gap that you should be better than me because I know I have to play catch up to be even somewhat stable.

[C]

Why is it you calling out her for needing to better? Is that her needing to get better so you can get better, though? That's the weird part. To me, I'm not trying. That seems like some weird kind of bullshit deflection, in my opinion.

[B]

Yeah, a little bit.

[A]

I don't mean it to come off as deflection. I just mean if she is starting to do right at 22, that I have to catch up to get even. Because why is it a.

[C]

What is this competition thing that I'm so confused?

[A]

No, I don't think it's a competition. It's just. I want to be like, we're married.

[C]

We're together.

[A]

That's what.

[C]

We're doing this as a pair to get up. Then you're also kind of acting like you're better. Honestly? Yeah.

[A]

Oh, cool.

[B]

I don't think I'm better because I'm.

[C]

No together a bit more.

[B]

Barely.

[C]

Not like a better person.

[B]

Oh, man. Take a look at those statements and we'll figure out if I have my together because I can't even close.

[C]

They're still your languages.

[B]

Okay.

[C]

Just through your language.

[B]

Okay.

[A]

No, I mean, I just. I know this is a partnership, but I want her to do better than me, so she's not.

[C]

She's confused, though. Aren't we doing everything together? Isn't that the point?

[A]

Yeah, right, right. But I don't want her to be 30. I don't want her. I don't want us both to be 10 years from now and still in this. I want her to be at my age, and we're not even close to this.

[C]

Okay. I mean, I can vibe with that. And if we're trying to have kids, an ivf that's definitely not cheap as well. I know there's some international options, but even still, how many kids are we trying to have?

[B]

She wants 72.

[A]

Okay. That's. I want like three. Yeah, three. Okay.

[B]

I guess we are on the same.

[C]

Are we swift swapping each time? Like, boom, boom, boom?

[B]

I don't think so.

[A]

I would love to have a large family, but I.

[C]

How are we divvying out who's.

[B]

I want her to give it a try the first time, and if we. If it succeeds, then hell, yeah, we'll go for another one. But the second one, I don't. I don't want to put her body at stress. I don't want to do anything more than what it needs to be.

[C]

300,000 hours in kids for IVF alone. It's like, crazy.

[A]

Yeah.

[B]

Yeah. I mean, how are we.

[C]

We're over 100,000 hours in bad debt.

[B]

Yeah.

[C]

And we're not fully aligned of where we kind of have that goal. Of like, okay, this is where we want to get. We want to get the IVF Right. But, like, how to get there? It's like, you don't seem. You're ready to compromise on your lifestyle, but you want her to be better off than you are at your age, when she's that age. And I get that. How do we get to these goals, though, if we're not kind of aligned? Like, you want to push her to do better, but you're not really changing anything.

[B]

I don't think that. It's not that I'm willing to compromise. So I graduated a year ago. Okay. It took me four months to get a job, and even then it took one. Well, I don't want to say one in case somebody sees this. It's not bad. It's just I could definitely succeed further and further, but my job that I'm in and the career field that I'm in, I have to have.

[C]

Job doesn't matter, though. Income doesn't matter. People can be the highest income earning people in the world and be financially. It depends where your money goes. You're talking about your behavior at the beginning when you open.

[B]

When I first got this job, I was obviously in Student debt. I had six months to start paying it or to. I had a six month leniency period. And I was just figuring out how to actually live off of a decent income. Because before that I was just bartending and it was like pay to daily. And now here I am trying to figure out how to survive off of a two week like pay period, if that makes sense. So switching from that to so like instead.

[C]

So you guys do not budget to be very clear because I mean, that's the immediate solve to that. If we're trying to get better, why have we not put in any of the actions that we know historically across the board works for people. That's like step number one.

[B]

Yeah.

[C]

Learn where our money goes.

[A]

Yeah, well, we know that our bills are paid.

[C]

Yeah. Honestly, when most people say that though, I go through and then it's typically not paid.

[B]

Yeah, I mean, ours are paid. Yeah, ours are paid.

[A]

There shouldn't be late fees either. They're actually paid on time.

[C]

I see. I don't know. I feel like people never know.

[B]

Don't speak for both of us. I don't know.

[C]

Are our finances separate because you were separate from your ex husband, 22.

[A]

Not anymore. As of a couple weeks ago, we started putting both of our paychecks into one account.

[C]

Okay, but where's it going with all the extra credit cards and stuff that we have access to it? Are we authorized users? Do we review statements together? What are we doing? Because that's where a lot of spending and stuff is too. That's where payments have to be made.

[B]

Right, guys?

[C]

We know what comes in. Right? We know what comes in 7100. What was spent last month across both. Both people are combined, so we should know. It's great.

[B]

No, last month we weren't combined.

[C]

Well, we're combined our statements. You can take a look back. We should know. We should be able to. If we've been combined these last two weeks, let's see what we spend the last two weeks and just double that. It's probably pretty similar. So let's see, what do we spend last month? What do you think? Both combined, including on debt?

[A]

Probably about $100 less than we made.

[C]

Okay.

[B]

What?

[C]

So it'd be about $7,000.

[A]

Yeah, I would say probably about that.

[C]

And you?

[B]

No, I would say probably like wait, last month? Oh, no, I would say closer to nine.

[C]

Why?

[B]

Because we had a baby shower and I spent a bunch. No, not our baby shower. My friend's baby shower.

[C]

So I spent $2,000.

[B]

No, I'm not Saying that. I'm just saying when I had my personal checking account, I was spending significantly more than what I'm spending in the last two weeks since we joined together.

[C]

And you're just not aware of this.

[B]

I feel like.

[A]

I mean, I care, but I'm at the point where she's an adult and she's going to swipe her card regardless.

[C]

She's your wife and you guys are in this as a partnership, and she thinks she spends 2,000. Spent $2,000 more in the month than you think you guys did.

[A]

She's. She swipes her card. That's what she does. Yeah, she, like, she sees something shiny, she swipes the card.

[C]

So fresh into a marriage and we don't Communicate solid.

[B]

Yeah. 10 out of 10.

[C]

Yeah.

[B]

Okay, so how much did we spend?

[C]

$9,257.97. Holy. Yeah, you win. You're.

[A]

Yeah. Okay. Okay.

[B]

9,200.

[C]

You said 257.

[A]

That's ridiculous. How?

[B]

I got. I got two bonuses last month.

[C]

Yeah, they pushed you to 8,000. As a household, good bonuses push you to 8,000 from 7,100.

[A]

Still a thousand of it, but half.

[B]

Of that was Lauren.

[C]

If we're not communicating about finances, when bills come due, when things are forced to be taken out, how do we communicate on where money goes? Let's talk about student loans. I know it's something we all 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 the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Why? Refi is known for their 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 student loans are burying you, it is time to reach out. Why Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 889-733978. That is 88973 3978. Break free from the high interest trap and get your finances under control once and for all.

[A]

I don't really think we talk too much about it besides the bills coming up. And we got to pay it, you know, And I just started this new job like a month ago. So for. For a better part of the last, like three or four months, she's been covering a lot of the bills because my job before this was.

[C]

So you've been the breadwinner, but for a while there's.

[B]

Whenever we were living together the first year I was still in school, so it was very limited on what hours I could work. So there's been.

[C]

So how are we dealing with. Why weren't you going out and killing. Making more money.

[A]

The job. The job.

[C]

So you get a new job.

[A]

I did. I looked for a job the entire time.

[C]

Pick up a second job. I know the dog's gotta get home, but we already have one person.

[A]

I did not.

[B]

If I'm working and going to school, I'm going to school for clinicals from 7:30 in the morning to 4:30.

[C]

Pick up. Bull. And I'm $12 an hour remote.

[B]

And I'm call center.

[C]

Crap.

[B]

That's so hard. How am I supposed to take a call at this?

[C]

I don't give up. You're paying bills. And I was talking about her.

[B]

Oh, okay. Sorry.

[A]

Yeah, I was working at. I was working for the Spurs. I can say that I was working for the spurs and I only worked whenever they had games or concerts. And it was just so fun.

[C]

Get a different job.

[B]

Yeah.

[C]

It's not even a question.

[A]

Yeah, I did. Look, I put in probably about 300 applications during the two.

[C]

How did you feel that person that was maybe at that time 21, while you were like 31, was taking care of all your bills.

[B]

Not all the bills.

[A]

It still made me feel like there's. I don't want to rely on her to just live. But I mean, that's where we were in life. So that's what happened.

[C]

Now, I asked you guys earlier about feeling pressure to be married and stuff like that, but I specifically have notes that you guys told the producers that Carrie rushed Trisha into getting married.

[B]

When we first started dating, you were like, I want this, this, and this by this time. And I was like, oh, I gotta pay. I gotta put it together. I gotta put it together.

[A]

So you're telling people I'm rushing you because I had a timeline from my life.

[B]

No, that's rude. Maybe a little bit. I don't know. I wouldn't say that. I Felt rushed, but I'm just saying, like, did feel like it was in times two speed.

[C]

I'm gonna go. 3, 2, 1. Go on. Go. I want what you think your combined financial score is. Okay. At the same time, 0 being the worst, 10 being the best. 3. 2.

[A]

1.5.

[C]

Okay, so pretty close. If you guys want to see where your finances are, take our assessment. Go to calebhammer.com or click that link in the description below. Remember, if you don't want to be like a guest on the show, all you have to do is download my budgeting app, sign up for the annual version. I will send you our budget friendly cookbook and budget notebook that cannot be purchased anywhere else. I'll sign it and I'll send it directly to you. You can also come on the show by going to calebheimer.com apply. All right, so we're trying to get the baby mode, but the.

[A]

Are you writing down whatever you write.

[B]

Down, Caleb, you write it down. So I'm writing down.

[C]

You wrote os.

[B]

Yeah. No, that's a five. I put my hammer score, and then I'm going to put her hammer score, and then I just want to take some notes.

[C]

Okie dokes.

[B]

Okay.

[C]

Kate Jewelers.

[B]

Yep, that's me.

[C]

Wedding ring?

[B]

Yeah. Ring. It's pretty, right? Custom. I picked it out.

[C]

Okay. I don't get it. I've never understood it. They all look identical.

[A]

We didn't spend any money on an actual wedding, so we spent money on our rings.

[C]

Okay, well, I guess at least you can resell that. Unlike.

[B]

I would never resell that.

[C]

Of course. Unless it blows up in a horrendous divorce in about six months.

[A]

No, six months.

[C]

I don't think that was she going off of averages. Okay, so K Jewelers. We got a balance of. This doesn't make any sense. We have a balance of $5172.91. Oh, my. Do you even know what happened on here?

[B]

Yes, I know what happened.

[C]

Why'd you allow this?

[B]

I didn't have the income to pay it off.

[C]

Then why would you do it? Because ring pop. Like you get it when you can get it. Listen, is this all stacked up? Deferred interest and it just hit.

[B]

Yeah.

[C]

That's insane. It was a $3,724.69 balance, making our minimum payments. Then deferred interest of $1,590.22 hit all at once, which pushed the balance to $5,172.91.

[B]

Right.

[C]

I didn't know over the credit limit of 4,200. You did not know.

[A]

I didn't know that it was deferred interest and that it already hit. She told me it was on zero interest, but I didn't know when it was, when. If it was deferred or what the.

[C]

Why would she not know?

[B]

Oh, my gosh. Yes, there was. There was no interest. Temporarily, I guess that's what I had told her. But I knew that there was going to be an interest coming up in 18 months.

[A]

I think it was.

[B]

18 months. Yeah.

[C]

How long does it take to pay off just making minimum depayments. Oh, no. Purchasing, which you can't because it's gone.

[B]

Yeah. 15 years.

[C]

16.

[B]

Oh, I was pretty close.

[C]

It'll be 16. Yeah. Guess what? She'll be out of IVF zone by then.

[B]

Yeah.

[C]

You'll be approaching.

[B]

Hey. Yeah. I mean, you're not wrong. Yeah, that's.

[C]

Yeah. Welcome to math. So what's more important, ring or having the kids? Cause obviously we chose ring and not actually paying it off.

[A]

I would like for the kids to be more important, but.

[B]

Well, the interest is already halfway.

[C]

How do we get the money for your ring? Cause you spent all that on her ring. How do we afford this ring?

[A]

I bought that ring, okay. With money. Money that I had saved.

[C]

What the. Is it all. So instead of actually putting it towards the future, we got it towards the ring.

[A]

Well, I mean, she's a ring also.

[C]

Why do I note that your mom gave you money for a ring? I know your guys reality. I don't know why you try to lie.

[A]

I had two thirds of it saved, so she gave me a thousand dollars and I bought the ring.

[C]

How much were you guys rings?

[A]

Hers was like 3,300.

[B]

I don't know how much hers was whatever the first pay or whatever the first purchase was.

[C]

Was this all the ring?

[B]

Yeah.

[A]

Well, that was also. We got our wedding bands on that too.

[B]

Yeah. So there's been three purchases. Well, technically two, but three items purchased.

[C]

On the $194 minimum monthly payment.

[B]

Yeah. Just went up.

[C]

Yeah. Because you weren't responsible.

[B]

Yeah.

[C]

Are we ever gonna be able to get anywhere if we're not responsible together? Like, we're both irresponsible on this. Like you wouldn't communicate about it and it's just like. And then you just let it go. Like, I don't know what to do. What are we gonna get?

[B]

I think once we hold each other accountable, a little bit more with the joint. With the joint account.

[C]

That's it.

[B]

Yeah. I mean, that Means sitting down.

[C]

Okay. Tell me how we're holding each other accountable.

[B]

I know that if I spend something on that money or on that card.

[A]

She'S gonna look and she's gonna see it.

[C]

She's like, she's gonna look.

[A]

No, I say, what the. No, we just.

[C]

That's how these conversations go. That's our groundbreaking.

[B]

Okay. She doesn't actually say what. Cause she's actually a lot nicer than that. But she does say sitting down.

[C]

We're not planning. We're not going through on a monthly basis. We're not laying down everything, seeing where money went, discussing that, talking about what we need to adjust for the next month in order to get to our goal. Here's our goal. What does it take to get to the goal? These steps. How do we get to these steps?

[B]

Not as up to this point.

[C]

Okay, so obviously that. I mean, that's not a method that's gonna work. It's like, hey, you just got an Amazon. And it's just like, okay. And then that conversation's done, right?

[B]

I guess, yeah.

[A]

Yeah. Because I just see. I see it and I see that money came out, and I'm. There's Amazon package. And I'm like, what. What is this? And then she tells me what it is, and there's. I. It's hard to push back. I just. I want her to be happy. So I don't. I'm not like, hey, stop doing that.

[C]

Because you're. You're not wanting to do it out of fear and you're not wanting to push back out of her not being happy. So what the. This doesn't sound like a method that works, in my opinion. And also just like the fear based, like, it's like the negative reinforcement that should be experienced that you'd be experiencing that's not actually going to change your behavior. It's like, you have dogs. It's like having their whole training be fear based. That's not going to work. You want to change behavior?

[A]

Yeah.

[C]

Change behavior.

[B]

Well, I guess I never really was, like, shown how to budget.

[C]

None of us were. Ladies and gentlemen, a financial audit. This is one of the most exciting, exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever like literal tens of thousands of people have done with our programs, go to Dollarwise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise do. Let's go.

[B]

I don't. It was hard for me because it's hard for everyone, I guess.

[C]

Yes. Were you taught how to budget?

[A]

No.

[C]

No one was. I wasn't. These weren't.

[A]

Mm.

[B]

And at what age did you figure it out?

[A]

Just curious.

[C]

Just about your age.

[B]

22.

[C]

22. I started to get into it.

[B]

Okay, cool. So I'm right on track then.

[C]

If you actually turn it around. Cause most people don't is the thing. That's the issue.

[A]

Cause I'm old and I don't have mine together.

[B]

Yeah, but I didn't know about Caleb Hammer ever. I mean, you didn't know about Caleb Hammer. You did exist all the same age.

[C]

Sorry, your channel didn't exist. The channel didn't exist.

[B]

Yeah, but I mean, I'm sure there was someone similar at.

[C]

At her if she was Dave Ramsey, I guess.

[B]

Yeah.

[A]

Yeah. But he just talks to people who have millions of dollars. So what's the. I see his clips on YouTube all the time. Oh, you have $5.5 million.

[C]

I mean, that's a specific segment.

[B]

I think my par. My parents watch Dave Ramsey. Not that I want to be like my parents, but like, what's wrong with your parents?

[A]

They suck.

[B]

They're. They're not very supportive of us. That's kind of why.

[C]

Flap on flap.

[A]

Yeah. Flap on flap.

[C]

Why? Are you gay?

[A]

Yeah. She got divorced and they're by their Bible thumpers, so she got divorced. So that was automatically strike one. And now I'm a girl, so that's like strike.

[B]

Yeah. My parents are like super biblical. They're homesteaders. They live off their land. My siblings are homeschooled.

[A]

We don't want to be like them anyway because that's nasty.

[B]

I mean, I want to be financially successful like them, but I don't want.

[A]

To be like them.

[C]

I don't give a what anyone does is get your money in shape.

[B]

Right. Okay.

[C]

I don't care who anyone is. Get together. That's my philosophy.

[A]

Okay?

[C]

Okay. All right. Well, this is horrendous. And it's at a 31.24 interest rate of death.

[B]

Not the worst one.

[C]

It's crazy. Okay, Home Depot. What's this?

[B]

Is this, is this attached? I'm sorry, is this attached to K Jewelers here? This one?

[C]

Yes.

[B]

Okay.

[A]

The Home Depot card I opened whenever we moved in together. And I bought a washer and dryer for us.

[C]

Listen, I'm not advocating for renting over purchasing over the long term. But the thing is that my first year down here, my first two years down here when I was trying to pay off debt, it made more sense than blowing, you know, a few hundred bucks or unused or a few thousand on new. I just rented washer and dryer and it made sense. And those services are everywhere. I know they exist in San Antonio.

[A]

Yeah, but that would have made sense.

[C]

Yes, but you didn't have the money to get this. And now it's on a car that is accruing $32.21 in interest. You're paying fees when we pay. You're paying an interest on this. What I paid paid in monthly rent just for my units. And then I didn't have to pay back a thousand five hundred and five dollars.

[B]

But you had to give it back after you were done, right?

[A]

Yeah, but that's ours. I mean, we don't.

[C]

We're paying for this. Sell yours for probably like 400 because no one wants your nasty ass used washing machine.

[A]

Yeah, so I don't want someone else nasty has used washing machine either. So I got a new one.

[C]

But I didn't say get used. I said maybe we rent.

[A]

Well, yeah, but aren't the rented ones too?

[C]

Yeah, but they probably clean it a bit better.

[A]

Yeah, but we got maybe, I don't.

[C]

Know, I use it. I'm okay. I don't have aids.

[B]

I mean, I guess that's true, but we don't have AIDS either because we got a new washer and dryer.

[A]

Yeah, we got, we got a new one also. That one has a lot of plant stuff on it too.

[B]

The Home Depot card.

[C]

Okay.

[A]

I need a hobby, right?

[C]

Sure. Not one where you're spending endless amount of money that we can't pay off or budget into a checking account. I mean, just you can get hobbies that don't require all that $1,505.63 on a seventeen hundred dollar limit. Yeah, I mean, I see they're telling me you spend at least four to five hundred dollars on your little collections. Your little plant collections. Yum.

[B]

It's pretty cute.

[C]

I'm sure it's cute. And so is all the interest rate. And so is not having a kid, because you guys aren't even close.

[B]

Yeah, but it's also.

[C]

Who wants a kid more? Are we equally in this?

[B]

I would say that she wants a kid more, but I'm pretty. Pretty close to being cool with her.

[A]

Pretty close to being cool.

[C]

Oh, you're not there.

[B]

No, equal. Pretty close to being equally excited.

[A]

Okay.

[B]

Or ready.

[A]

I think I'm just more ready because I know that I would like to carry our first child. So I'm. I feel like I'm more so ready because I know that the windows closing.

[C]

Not meant to be an insulting thing, just a biological thing. But aren't you gonna have to lose a decent amount of weight?

[A]

Yeah, probably.

[C]

Okay. You gotta, like, start that today, though.

[A]

Okay.

[C]

What have you lost over how long?

[A]

The last, like six months. I've lost like 30 pounds.

[C]

Okay, that's good.

[A]

I'm getting there.

[C]

Very good.

[A]

Trying my best.

[C]

Okay. Yeah, keep going.

[B]

You're not doing it in a healthy way anyways.

[A]

Can we go on with the card?

[C]

What?

[B]

She doesn't eat. She eats like maybe once a day.

[C]

You'll bounce back. I've done that. I've yo. Yoed. You'll bounce back.

[B]

Okay.

[C]

Just working in restaurants, all unsustainable.

[A]

Yeah.

[C]

This is like. You will bounce back. You will fall into old habits. That's what's happened. Like, I've lost 40, gained 40, lost 40, gained 40. This just happens. And I did like, the starvation diet too. Does not work.

[A]

I'm not purposely starving myself. I just. Since I work in a restaurant, I'm around food all day. Just the thought of eating it makes me nauseous.

[C]

Okay. We've had a late fee on this car. This guys, this year.

[B]

See?

[C]

What did you say at the beginning? What the did you say at the beginning?

[A]

Yeah, they said that there was no late fees.

[C]

Yeah. I told you this always happens. I didn't think this happens every time. This happens every time. I can't believe anyone that is on the show unfortunately, anymore, but basically anything this point, every time.

[A]

I didn't know that that was.

[C]

No, that's why you said it. Or you're a line. But this is better. I'd rather have ignorance. $136.53 of interest accrued this year so far.

[B]

I thought it Was too late, Fee.

[C]

Huh?

[B]

I thought you were telling me.

[C]

Okay, so what the. Why do you think that happened?

[A]

I don't know. I don't like putting it on autopay. There's just something about it that just makes me nervous. So I just go in and do it myself. So I guess I overlooked it. It.

[C]

Okay.

[A]

All right.

[C]

Is everything's on autopay now?

[A]

Nothing's on autopay.

[C]

Why is nothing on autopay now? After clear. Well, you. You didn't know this was happening until right now. Why are things not on autopay? What's the philosophy?

[A]

I don't know. I just. There something about it just makes me anxious, so I just don't.

[C]

What do you guys have not enough money in the checking account ever?

[B]

Sometimes.

[C]

Why you guys make money?

[B]

I don't know how to budget.

[C]

It's not just about budget. Even if you're not budgeting, you know, not to go swipe with the bull.

[B]

I mean, I've gotten a lot better at that, but I'm not gonna lie.

[C]

Just like everyone says, they never have a late payment and then I find a late payment. Everyone says I've gotten better, then they're not. I just saw 2,000 hours spent. More than came in last month. Yeah, 3,000 more than normal. So I don't give up. Oh, that's not true. Bull spending basically 900 bucks.

[A]

Holy shit.

[C]

Sorry. That's not spending. That's just going out to eat.

[A]

What good.

[C]

Oh, see? Extra miscellaneous. Basically 500 bucks.

[B]

Okay, but the $500 was her baby child.

[C]

Other large purchases.

[A]

1,400 large purchases.

[C]

As in what large purchases? Let's see, large doesn't mean miscellaneous, but it just kind of uncategorized. Unknown would draw 1350.

[B]

Oh, that's bills.

[C]

Okay, it was an unknown. And then TurboTax, 84 bucks. Uncategorized. Okay, miscellaneous. Bullshit. That's like American Eagle Overdraft protection.

[B]

That's my fault.

[C]

Did you know this?

[A]

No. Yeah, overdraft protection. So you're. Oh, you're overdrafting on your. Your checking account. Yes, I did know that one.

[B]

But it's because. It's because of the stupid pest control company that I agreed on and I accidentally signed. I didn't accidentally. I just didn't know about it. They knocked on my door and they were like, hey, we can do this for this. And I was like, okay, sure, yeah, we have bugs. Let's do it. And it ended up being a year and a half contract.

[C]

I actually got sold by a knock on the door. Pest control person.

[B]

Yeah.

[C]

I never saw people's paintball guns more than those people.

[B]

If Carrie was home, she would have said no. But I was. Was by myself.

[C]

Maybe we shouldn't allow age gaps. You have the mind of a 16 year old.

[B]

Not. Maybe in finances.

[C]

Huh?

[B]

Maybe in finances. Maybe in finances. I have a 16 year old mind.

[A]

Yes. You signed a year long contract. So it takes money every month and.

[C]

You overdraft because of it.

[B]

I forgot about it.

[C]

A courtesy pay fee.

[A]

What's that?

[C]

Well, we will see. Old Navy, TikTok shop, Academy, sports pop shelf, miscellaneous spending, Quizlet and Apple stuff. Did you buy 250. So we're talking just bull. Guaranteed.

[B]

Did you buy Quizlet?

[C]

Yeah, I bought guaranteed a thousand two hundred.

[A]

Oh damn.

[C]

And there's probably a lot more, but I think.

[A]

I think I feel like.

[C]

Oh, and then subscriptions. We have ID protect, Netflix, Spotify, Disney plus Acorns.

[B]

That doesn't seem like of your phone. Yeah. What do you want me to pull up?

[C]

I want you to open it.

[B]

Okay.

[C]

Okay. See? She's more brave.

[A]

I don't care. Nothing on there.

[C]

You have second try which removes monthly. I don't know what that is. What is that?

[A]

The try guys. It's a YouTube.

[C]

But our membership is so much better. I guarantee you our content is higher quality and more. More content as well.

[A]

Okay.

[C]

Mostly because YouTube told us that themselves. HSP premium.

[A]

Yeah. Heart starts pounding. Those are popular.

[C]

Sake again. Wrong one. And then iCloud plus. Oh no. Media.

[B]

That's a good one. No, you can't make that face cuz their is good.

[A]

Yeah, they have three separate podcasts.

[B]

It's all about like murders and stuff.

[A]

Yeah, good stuff.

[C]

Thrilling Planta.

[A]

Yeah, I don't pay for that one anymore.

[C]

Okay.

[A]

I needed it for my plants, for my hobby.

[C]

If I go through your guys's text message conversations in the post show, is it all. Are they going to be lesbian fights?

[A]

No, no, we actually don't fight that much. And if we do we just like sit down and speak like normal adults.

[C]

Yeah, we'll see.

[A]

Okay.

[B]

A lot of it is probably just.

[A]

Me complaining about my job.

[C]

Charney's family part party game.

[B]

Huh?

[C]

Char. Char. Char Edes Charges.

[A]

Charades.

[C]

Oh my. Are you okay?

[A]

Was that a stroke? You just had a stroke.

[B]

That's what that was.

[A]

Yeah. Is that a stroke? Can we just. Oh my God.

[C]

Emma. Emma. Not proud of that one.

[B]

I have it. I don't pay for that since we're. I stopped paying for that by the way.

[C]

I'M not known for being able to read well.

[B]

Oh, my God. That was funny. Wait, so was that the only thing on there for me was charades?

[C]

Yeah.

[B]

Okay.

[C]

Charades. Okay. Discover it. What's that?

[B]

Mine.

[C]

Okay, what's going on with this?

[B]

It's bad.

[C]

It's purchasing on a card that is accruing interest that is over the credit limit. Did you know that? Yeah, yeah, it's over the credit limit.

[A]

We. I just found out, like, a couple nights ago that she was still charging stuff.

[C]

Tell me, how'd that conversation go? Why. Why did it even happen? Because you're coming on the show, and it's about to be exposed.

[A]

Yeah, that's exactly what it was. We were coming on the show about to be exposed, and I said, do you even spend on your credit cards? And she said, honestly? And I looked at that one.

[B]

Oh, I thought. I said no. I honestly thought that because it was maxed out, I didn't have room to spend any money on it.

[C]

But I guess you put a little payment that brought it slightly under the new spent, and then interest hit, and now you're over.

[A]

Yep.

[C]

She's $125.93 over the credit limit, $146 minimum payment. Again, $190 of purchases, while $125.99 of interest is accruing. Why the. Regardless of max that or not, why are we purchasing on a card that we cannot pay off and that interest is accruing?

[B]

Question is, the whole time here, because I didn't have the money in my checking account.

[C]

Then why are we spending it?

[B]

Because I'm not good at meal prepping. That's a large majority of what that is.

[C]

Well, you have a significant other as well, who, by the way, you know, does cooking things.

[B]

Right. But as soon as she gets home from work, she's tired from cooking at work, so she's being lazy.

[C]

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[A]

I don't think it's lazy. I get my.

[C]

Just sounded like lazy.

[A]

Yeah, I get beat at work every day.

[B]

Yeah, I also get beat at work every day. It's not the same concept, but it is similar to a similar meeting.

[A]

I just don't want to cook whenever I've been cooking all day.

[C]

Yeah, but we have to because we don't have money. We just saw that. What was it? 800 I was going out to eat in a month or 900, I don't remember.

[B]

Which is honestly like a real eye opener because we. I know that we didn't really have a budget, but we kind of eyeballed it and we thought about doing credit's 543. No, not.

[C]

You said you're just. This is your discovery.

[B]

My credit is not 543.

[C]

It says this is your credit.

[B]

There's a copy of my credit credit report. It's bad.

[C]

Was it worse?

[A]

It's not 540.

[B]

It's worse.

[A]

It's lower than 543.

[B]

It's bad.

[A]

Oh my God.

[C]

What is it?

[B]

But it's because.

[C]

What is it?

[B]

474. It's because my student loans.

[C]

Are we gonna get a house together?

[B]

Maybe one day.

[A]

I mean that would be nice.

[C]

If we want to get a kid, sometimes we want to get a house with it. That's classic America. Yeah, not with that.

[B]

I know.

[C]

Not with this debt to income for either of you.

[B]

Agreed. But it's my student loans hit my account.

[C]

None of these are necessary purchases.

[B]

No.

[A]

No.

[C]

So this wasn't because I didn't have enough money in my account. There's the American Eagles, Subway Norris snacks, Dunkin Donuts or Baskin Robbins. Nora's snacks, Starbucks, the liquor store, McDonald's going in and getting some Bull. Going in and getting some B.S. starbucks McDonald's. McDonald's. Oh, late fee this year.

[B]

This year.

[C]

Oh, my. Guys. Guys. What is wrong with you? You have reasonable reason. You have a reasonable aura surrounding you when you talk in this conversation, but then you don't put no anything.

[A]

I think we're just. I'm ignorant to a lot of her spending, and I'm assuming she's ignorant to a lot of my spending.

[B]

But give us a little bit of grace, because we are friends. So we just combine our finances.

[C]

That doesn't matter. You should have been making a minimum monthly payment. I mean, I agree that has nothing to do with fresh marriage.

[B]

Yeah, but of course we're ignorant to each other's finances, because we didn't.

[C]

No, you're ignorant to your own.

[B]

Oh, well, that's. I. I never said I didn't have a late fee, though. I never said that.

[C]

But still, you didn't know you had this.

[B]

Oh, yeah, you're right. I mean, I get it. I didn't. I thought that I made all my payments online. Credit card.

[C]

You don't do auto pay either?

[B]

Credit card? No.

[C]

Well, you don't have, like, the missed payment. You were late.

[B]

Oh, well, that's not. Well, did I get a fee?

[C]

Yes. Late is where it hits. Or missed payments where it hits your credit.

[B]

Oh, okay.

[C]

That's letting it sit there for a bit.

[B]

Gotcha. Glad we cleared that up. I didn't know that. I didn't know the difference. I thought late fees hit my credit karma as well. Not just a missed payment.

[C]

Also, credit karma is not perfect.

[B]

No.

[C]

So what are we doing? This is Nora's snacks and Dunkin Donuts and all this. It's so much bull bending.

[B]

I know. And it's. While I'm on the road at work, I don't ever just leave my house.

[C]

To go to market a sandwich. You guys are women.

[A]

Oh. So we should be in the kitchen. Yeah.

[C]

Let's be a little sexist real quick.

[B]

Okay.

[A]

Real cute. Okay.

[B]

Yeah.

[A]

Okay. Yep, we should be in the kitchen.

[B]

I don't always have a refrigerator or guys.

[C]

We have a kitchen here if you guys want to touch it on your way out.

[B]

Oh, cute. I was already in there. Thank you.

[C]

Classic. First place we went.

[B]

There's not always a microwave or a kitchen available to me, so it's hard to pass.

[C]

No sandwiches. No, no, no. That's cooler.

[B]

Yeah.

[A]

She has a lunchbox.

[B]

I do. I have an income lady. Lunchbox.

[A]

Lunchbox.

[C]

That is not a very good one.

[B]

Yeah, it's not a good one.

[C]

Then get a better one.

[A]

She just keeps buying lunch boxes.

[B]

Actually, yeah, I'm on like my third lunchbox.

[C]

What are you doing?

[B]

I feel like I just don't never have enough fruit.

[A]

No, she just likes to spend money so she sees a lunchbox that's cute. So she spends money on it.

[B]

I actually bought one that included containers and a lunchbox for a cheaper price.

[C]

And you equally use none of them?

[A]

Oh, yes, I do.

[C]

Well, then why. What is all this then?

[B]

I can't pack a coffee in a lunchbox.

[C]

You can do it in a thermos.

[B]

Yeah, but I like my stuff cold, not hot.

[C]

Then make it cold in a thermos. What do you think a thermos does? It maintains temperature, you dumb tit.

[B]

The cold. The cold. I don't like watered down coffee. And the thermos always keeps it cold. Yes, but the water.

[C]

Then put a non melting liquid little ice pack in there.

[B]

In my coffee.

[C]

A little thing, you know, it's like plastic, frozen with water inside. It doesn't melt.

[B]

The woman was too stunned to speak.

[C]

I don't know what it's called, but we know what I'm talking about, right, guys?

[A]

Like a reusable ice cube.

[C]

Yeah, like that, kind of.

[A]

Come on.

[C]

Or like a little bowl. You get the possible. Some people put in their whiskey when they don't want it to water it down. Oh, my.

[B]

I was unaware. I didn't know those existed.

[C]

You're obsessed. Aren't you? Guys, like, obsessed with Amazon, like, just look things up.

[A]

I wouldn't say obsessed with Amazon.

[B]

We really don't go crazy on Amazon. She pulled that. Or she brought that out of her butthole. Her butthole. But she didn't. It's not like we go crazy on Amazon. We don't spend hundreds and hundreds of dollars a month.

[C]

So how long do you guys think you're gonna stay married?

[A]

Forever. Forever?

[B]

Yeah.

[C]

27.24% interest rate on here.

[B]

It's a little bit better than the cake.

[A]

Oh, thought you're gonna get that to me, huh?

[C]

Then what?

[B]

The case. The Kay jeweler card.

[A]

The other card.

[B]

It's 31%.

[C]

Apple Card. Who's this?

[A]

Mine.

[C]

What's going on?

[A]

I opened that card originally, like five or six years ago, and I bought an iPad. Yeah, I don't use it.

[C]

No one uses their iPads. Except for.

[A]

Yeah, but I opened it and I had a line of credit and my life kind of went sideways, so I maxed it out.

[C]

A lesbian breakup?

[A]

Yep, Lesbian breakup. I moved out of the house and she took all the furniture. And everything. And I was stuck paying two months of rent somewhere I wasn't living. Then I couched her for six years. Six months. Excuse me. I've just kind of been in a hole that I have not tried to get out of.

[C]

Not tried.

[A]

I mean, I've monthly minimum, but yeah.

[C]

It'S gonna take 10 years. Yeah, 42.

[A]

I haven't like, sat down and been like, I'm getting out of this now until recently.

[C]

Yeah, but then you guys haven't done anything. You still spent. You discussed, well, let's get out of this. And then you still spend more than you brought in.

[B]

Yeah, I agree. We need to sit down and have a conversation.

[C]

But that's what you guys already did. That's what you just said.

[A]

Yeah, we talked about getting out of it, but it's not like we set up a plan. We haven't set up a plan.

[C]

What's the point of talking about getting out of it it. If we're not doing the action required?

[B]

Well, it's hard whenever I see her, like two times a week because we work opposite schedule. So it's hard to just.

[C]

You guys never see each other.

[A]

This is the one day off I have a week.

[C]

So this is why you guys have lasted longer than most, maybe.

[A]

No, we like each other.

[B]

I mean, we like each other, but like, a lot of the times it is because we only see each other on an hour at a time.

[A]

Like, Wednesday nights and Sunday nights are the only time we really see each other.

[C]

That's crazy. How the are you gonna maintain a healthy relationship? Honestly, I like her. Like, not joking. I know, but how are we gonna maintain a healthy relationship? You can like someone and it doesn't have to be healthy.

[B]

I mean, I don't.

[C]

Cause if you don't, if you see each other two hours a week. That's brutal.

[B]

Yeah. I mean, yeah, it's tough, but like, it. It makes those moments more cherishable. Yeah.

[C]

Yeah. But it also makes it impossible for us to have hard conversations. Cause you don't wanna spend those limited hours to see together.

[B]

Which I agree. But like, I feel like with our limited amount of seeing each other limits the amount of hard conversations that we have to have.

[C]

But we need to have the hard conversation now with, like, what?

[B]

I mean. Yeah, finances.

[C]

What do you think? What show are you on?

[A]

Duh.

[B]

Okay. I. I just feel like the hard conversations are very limited because we don't see each other well.

[C]

So you guys are barely married.

[A]

Yeah, but we also don't have the arguments over stuff like that. Because whenever we did. Sat down. Sit down, obviously we didn't go into any kind of action plan, but whenever we did sit down to talk about this, it was a very pleasant conversation. That it was just like, this is what's going on and we need to fix it.

[C]

You know what's interesting? You're the butch mask one.

[A]

Thank you.

[C]

But you have a more feminine voice. You have a more masculine voice.

[B]

I also have a scratchy throat because I have allergies. This isn't.

[A]

Not a cold.

[B]

I don't normally. I mean, I guess my voice is about the same.

[A]

I have a very feminine voice.

[B]

Oh, that's. Yeah.

[C]

48 minimum payment, $1,493.19. Odon here. No purchases that month. I honestly think I'd be a fantastic lesbian. I'll be completely honest.

[A]

I agree. Honestly, I have a very masculine. Like a feminine, but also masculine.

[B]

She has a girlfriend.

[A]

Yeah, he talked about it on the show. Interesting.

[B]

Dude.

[A]

Yeah. Whenever you yell at her, do you go, I'm gonna yell at her? Oh, no. I don't know.

[B]

Why do you yell at us?

[A]

Finances.

[C]

You guys are dumb.

[A]

Is she dumb?

[C]

No.

[A]

Does she have good finances?

[C]

Yeah.

[A]

Yeah, that was like, one of the criteria.

[C]

I didn't think about it a bit because I don't. You know, it's not like we replicate this show in every instance, in every aspect of life.

[A]

Your first date is this.

[C]

Yeah. Okay. I don't see interest accruing.

[A]

Caleb.

[C]

What?

[B]

These papers are stressing me out. Can you, like. Can we straighten them just a little bit? No, I'm not.

[A]

No. Ocd maybe.

[B]

If anything, she's got a little bit on the spectrum. She's agreed to it, though.

[C]

But I'm just agreed to being on the spectrum.

[B]

I mean, she agrees that she. I mean, it was her. Like, it was her.

[C]

She consented to being on the spectrum. I'm confused.

[A]

Okay.

[B]

Anyways.

[A]

Anyways.

[C]

I don't know this. Oh, Big Lots. Great.

[B]

Hey, they close, though, so.

[C]

Huh.

[B]

Big Lots closed.

[C]

Yeah. Probably not the bank servicing it, though.

[B]

No, but I'm just saying that I can't spend any more money on that.

[C]

Card because it's not available at other stores.

[B]

No.

[C]

Oh, they closed the card.

[B]

They closed. I mean, technically, yeah, because it fell off my credit, but obviously.

[C]

Well, it better be because you're over the credit limit.

[B]

Yes, the interest just hit on it, too.

[C]

Yeah, but if you make your minimum payment and you never make. Miss a payment, you wouldn't be above the credit limit. That's not how that Works mathematically.

[B]

Wouldn't be above. Yeah, I have. Have I missed a payment on there?

[C]

Potentially. I see a fee this year, but it's not very long. But I. I can't see last year.

[A]

Oh, we just got that. Yeah. At the end of last year, I.

[B]

Bought a couch on it.

[C]

Sick.

[B]

Yeah.

[C]

You owe $1,287.48 minimum payment. $46.34 minimum payment made. That's less than the minimum required.

[B]

Maybe that's just went up.

[C]

A minimum went up?

[B]

Yeah.

[C]

Why would it go up?

[B]

The interest just hit on it.

[C]

Deferred. Oh, I see it. Oh, I didn't see it. Oh, that's why it's above. It's not because just random interest is accruing. It was deferred interest. This is the second time. Second time you've allowed a car to just have deferred interest. Why the are we buying things and not doing the minimum monthly payment required to pay it off before the deferred interest hits? Because I'm okay with 0% financing things, but you got to be strategic.

[A]

Well, that one, it was. The payments had to be higher than the low.

[C]

Yes, that's how it works.

[B]

And I was unaware of that. I.

[C]

You can do math for three seconds.

[B]

The statement came in my email. It said, pay this much. I paid that much. I did not.

[C]

Why don't you look at things?

[B]

I don't know. I just.

[C]

Don't you have any care in life? What do we care about in life?

[B]

Making sure my bills are paid on time. Except the Discover card.

[C]

The correct bills though. Cuz. Also now this has just hit $376.17 of interest. Meaning in my mind, you did not actually have the bills hit.

[B]

In my mind, the important bills are rent, car and electric. These are important, but they're not, you know, necessary to live now.

[C]

You have to pay more.

[B]

Yeah.

[C]

And if you want to live in a house, they are necessary. Cause they're your credit.

[B]

Yeah.

[C]

So I don't understand what you're talking about.

[B]

Okay, I understand what I'm talking about.

[C]

Does it sound reasonable?

[B]

Yeah, sounds okay.

[C]

Do you agree with her? Take.

[A]

No, No, I don't. Cause these are bills that we put on ourselves, so they're obviously necessary to pay off, but I don't know. Yeah, our rent's paid, so I guess that's where she's coming from.

[B]

And our dogs are fed.

[C]

Yeah. Part's not horribly difficult, but it is.

[B]

When you have five dogs.

[C]

It's just expensive. And I get like the best dog food. And I did before I made good money. Like, it's still relatively chill in the grand scheme of bills.

[B]

Yeah, I guess.

[C]

Now a big vet visit, that's a different conversation. But 31.24% interest rate, and now that is consistently accruing going forward. Yeah, because we decided not to get ahead of any of our bills. Why? What are we doing? There is so much here. All right. TSC Tractor Supply. Who's this? That sounds like you.

[A]

Oh, that's mine. Yeah. Huh. The big witchy lesbian. He asked me.

[C]

$958.41.

[B]

Here, you need mine?

[C]

No. Minimum monthly payment is $34.

[A]

That's not bad.

[C]

Interest is accruing 24.26. Takes five years to pay off. Okay, what happened? What's this?

[A]

That was. It started a while back whenever I was getting my dog food. Only from there, I haven't spent on it in a long time. I. What?

[B]

What is it?

[C]

What do you think?

[A]

Is it elite?

[C]

What do you think?

[B]

What is it?

[A]

Don't say it's a leash.

[C]

She has a leaf fee this year.

[A]

That's. That's a bull. That's a bull.

[C]

She has a late fee this year.

[B]

That's not surprising.

[A]

I, I, I didn't know that.

[B]

Is it just one? Does it just show one? Maybe we should consider auto Pay, honey.

[C]

Consider 33.24% interest rate.

[A]

What the.

[C]

What the.

[A]

I got it whenever it was on one of those promotional things and spent money on it and haven't really.

[C]

That's great. That's a quick path to financial success.

[A]

But I need a dog food. So, like, I needed the.

[C]

Yeah, but you need to. Need to put it on the credit card or you guys got dogs when you financially should not have because you are responsible for that.

[B]

Oh, well, that's agreed. We just got a dog last year.

[C]

Why do you guys have five?

[B]

Cause I, oh, shoot. I have two. She had two. And then we just got a puppy. He's a year old now.

[C]

Why? You guys want to bring kids too? Yeah, I know it's gonna be a chaotic.

[B]

It's gonna be.

[C]

Why?

[B]

Is it an apartment?

[A]

No, a townhouse.

[C]

Okay.

[B]

But our, our last dog that we just got was kind of like a spur of the moment type thing because our, one of our friends was trying to breed a dog, and they ended up being the wrong type of breed because the wrong male dog got ahold of the female and, and she had an extra dog. And we were like, yeah, we'll take him.

[C]

Okay. Who's The American eagle? Me $334.69.

[A]

Yeah, because we have to spend $100 on a pair of jeans.

[B]

Oh, he's not. $100. It might be my sweatshirt.

[A]

Sorry.

[B]

Did we move it?

[C]

No, you're just not even wearing them.

[B]

Oh, my jeans. Well, there's a reason for that.

[C]

Are you pregnant?

[B]

No. No.

[C]

What? No.

[A]

What's the reason for you not wearing the pants that you spend?

[B]

Bloated.

[A]

Oh, she's on her period.

[B]

They're not comfortable. Whenever I need to. I need to get a new pair.

[A]

Yeah. So one week out of the month, every single month, she can't even wear the jeans that she spent $100 on.

[B]

Also, I'm in scrubs almost six out of seven days of the week, so I hardly wear the pants that I actually own.

[C]

$334.69 minimum fee payment, $30 purchases. You're purchasing on here still?

[B]

Yeah.

[C]

78. Yeah. Like, that's okay. That's okay.

[B]

They had promotions and I bought a pair of pants.

[C]

Doesn't matter. That means you're making them money and you're yourself.

[A]

For pants that she doesn't even wear. Pants out of it for a pants she doesn't wear because she's in scrubs all day. She just said that herself.

[B]

Yeah, but I like looking nice. And the pants fit comfortably well. What?

[C]

You look fine.

[B]

I look nice.

[C]

You look fine.

[B]

Whatever. I like the pants that I put in there.

[C]

I look fine, too. We're both dressed basic as.

[B]

Yeah.

[C]

$30 minimum payment. 14 months to pay this off. Yeah. Purchasing American Eagle. Okay, let's see here. No fees this year, surprisingly.

[B]

Hell yeah.

[C]

$29 in interest. It's at a 34% interest rate. Yeah, let's. So let's keep purchasing on this card.

[A]

For jeans that we don't wear because we're in scrubs all day, every day.

[B]

I also don't just buy jeans. You know that.

[C]

Who took. Whose last name? Did we do that?

[B]

I haven't done it yet.

[C]

Are we going to.

[B]

Yes, I'm gonna take her last name.

[C]

Parents probably not happy.

[A]

We pretty much cut them off, so.

[C]

Really?

[B]

They may or may not know. Who knows?

[C]

Really? Full cutoff, huh?

[B]

My ex probably told them just like he told them that I was dating a woman, so.

[A]

Oh, yeah. The ex likes to stop all of our stuff and tell the parents everything.

[C]

I can see him taking it personally because you guys kind of.

[B]

Yeah, well, literally married his last two girlfriends.

[A]

Previously.

[B]

Ended up gay, too, so it's not a me problem. It's a him.

[A]

Problem.

[C]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows exclusive and uncensored financial michelotted episodes. Our call in show hammer it out, then take the train. Yes, and brand new shows. Fat and fatter. I would go off brand behind the audit. This was wild shop smart. 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. Join Hammer Elite, the best membership on YouTube today. You're in the middle. Or have you fung swole What? Swung full.

[B]

Well, I'm married to a woman now, so I would say I went full.

[C]

Oh, I don't think that. No, no, no.

[A]

You can still have different sexuality.

[B]

Yeah, but I'm not interested. No thanks. I'll pass it.

[C]

All right. She's being very defensive right now. I don't know why.

[B]

I'm not trying to be defensive.

[C]

I'm just saying this is asking a casual question.

[A]

No, she's sassy. So I wouldn't be surprised if it sass just came at you. The rest of the conversation.

[C]

Yeah, she's kind of a $25 minimum monthly payment.

[B]

Okay, that was rude.

[C]

You like that one?

[B]

No, I mean I can be a. But it's. I'm trying to be nice. No.

[C]

$300. That's the limit. But you're at $297. 20.

[B]

Whose is this?

[A]

Mine.

[C]

Oh, oh, this is capital one.

[B]

Yeah, but there's platinum. Is that me? I think that's me.

[C]

Well, it's maxed out of 300.

[B]

Does it have a name?

[C]

No.

[B]

Is it Trish or Carries?

[A]

Does it have any spending on it?

[C]

44.70.

[B]

I think it might be mine.

[C]

15 months to pay this off, we're going to Raising Cane, Starbucks, Gordo's Many Tacos.

[B]

But the tacos though off.

[C]

Dude, do you got. Okay, do we want to have a kid or not? Because so far in at least this side. No, we don't really care. 22. So we still want to like live. Still want to live young, go crazy.

[B]

I don't necessarily think that. I don't think that I want to go out and have fun because I feel like a typical 22 year old is trying to go out every night and have a good time with friends and every night.

[C]

I don't know.

[A]

We don't go out every night.

[B]

I don't ever go out to a dog.

[C]

Well, you see each other two hours a week, so I wouldn't think you.

[B]

Would okay, but I don't even go out with friends.

[C]

Well, you have to be home for the dogs. We already know this.

[B]

Yeah, but even if I had dogs, I don't have any friends.

[C]

Yeah, but you're still finding your way to splurge. You're still finding your way to.

[A]

Around.

[C]

Okay, it's pushed off to something else.

[B]

Yeah.

[A]

Food. The thousand dollars in food.

[C]

Yeah, food. Constantly interest accruing. This year so far. This is crazy.

[A]

Before we came in, we were talking about, you know, having kids and stuff and we. I thought maybe you would want to donate. I mean, you're smart and I would like my baby to be smart. So we were just talking about it a little bit.

[B]

Just an idea.

[A]

He doesn't know how to talk to him on that one.

[C]

No. Since the only joke I had was desperately inappropriate. Oh, Freedom card.

[A]

Yeah.

[C]

By the way, I don't think I can have gay sex. I don't.

[A]

Gay. We're.

[B]

We.

[A]

Okay. I don't. That's not how donating.

[C]

I mean, $40 a month is the minimum payment on the Freedom Card.

[A]

Yeah.

[C]

Whose is this?

[A]

Mine.

[C]

Okay. It's at 383.47. What's going on with this card? Anything?

[A]

I don't know. Are there any latex?

[C]

Actually, it looks interest free.

[B]

Wait, the whole card is interesting.

[C]

This is interest free until a couple months from now. Okay, so we need to take care of this now or else it's gone.

[A]

And there's no purchases on that one, right?

[C]

No purchases on that one.

[B]

Any late fees?

[C]

No late fees. Petco. Who's that?

[A]

I did good on one.

[C]

Oh, that's fine.

[A]

We buy the dog food only from Petco.

[C]

Okay. It was interest hitting $6.47.

[A]

Sense.

[C]

We're at a balance of 201 on a credit limit of 250, so that's not great. What's your credit? Do you know mine?

[A]

Like 2, 4, 6, 6 18, something like that.

[C]

What?

[A]

618.

[C]

Okay, 618. Gotcha. Yeah, interest is recruiting this year. So far it's at a 36% interest rate.

[A]

Yeah, I didn't. I think that was one of the ones I. On a promotion thing. Why? We just buy the dog stuff from there.

[C]

And who's Quicksilver?

[A]

Mine.

[C]

Okay. Credit limit, $500. But we have a balance of $426.08 transactions, $56.21. So you're purchasing on a card that is accruing interest that you cannot pay off. I thought that was only for her to do. But you're doing that now. So what the are we doing?

[A]

That one was because my debit card got lost because they thought that there was fraud going on. And it took them like two. It was like two weeks that they. I got the notification that it was locked. And then two weeks later and we're.

[C]

Not going into the gas station and getting some bull. You definitely did.

[A]

That's all I did on that one. Yeah. Cause I. I get my Red Bulls and my snacks on the way to work.

[C]

Yeah. Red Bull snacks. Red Bull snacks. Red Bull snacks. Red Bull snacks. Red Bull snacks.

[A]

I need caffeine to survive. Cool. Cool.

[C]

Brew coffee. I don't give a.

[A]

It doesn't taste the same.

[C]

No, it doesn't. But you're poor. Even though you guys make a lot of money. Money. You're poor.

[A]

Yeah.

[C]

How does that feel? That's not great. Imagine making a really good income above the median for the household in this country and in San Antonio and in Texas. But you guys are poor.

[B]

Yeah.

[A]

Double homicide, it feels like.

[C]

But it's what you guys are doing. What? I see something. What?

[B]

I also feel like we're not the only ones that are poor that make a decent income.

[C]

What is that matter?

[B]

I guess I'm just.

[C]

What?

[B]

Who gives a. I mean, it's hard not to compare, you know?

[C]

Yeah. I feel like that is a desperate cope. A cope to make yourself feel okay for being pieces of money. No. Who cares?

[A]

Okay?

[C]

If someone does three puffs of meth a day and you do one, doesn't make you good.

[B]

Yeah. You're.

[C]

What?

[B]

Nothing.

[C]

Oh, come on.

[B]

I. I don't have a.

[C]

You know her. I feel like she's holding back.

[A]

Yeah. She wants to call you a dumb or something. She's a coin.

[B]

I mean, you're just a smart.

[C]

Yes.

[B]

I get it. It's cool.

[C]

Yeah. The show that you watched that you applied for. Yeah.

[B]

Yeah.

[C]

Huh.

[A]

She just. I think she just wants to justify her petty spending whenever. It's only a little spending here and there.

[B]

But it's not, though. But I understand. It's just an immediate add.

[C]

A little spending here and there.

[B]

Right. It's a big spending here and there.

[C]

No. Are you. What are you talking about? We just went through your statements. It was a ton of little spending.

[B]

Yeah, but it adds up to be a lot, though. That's what I'm trying to say.

[C]

Okay. What's the point?

[A]

She just wants to. She just wants to fight. That's it.

[B]

That's just the defense mechanism. I automatically just want to tell you. Shut Up. Stop talking. But I wouldn't do that. I mean, I can, but I can't.

[A]

I wouldn't. Because the whole point of this is to.

[B]

So for you to. On us, but it's just irritating because.

[C]

You know, on us, but because it's also true.

[A]

Yeah.

[C]

And it doesn't feel good.

[A]

Yeah.

[C]

To have to recognize that for the first time in your damn life.

[B]

Okay, carry on.

[C]

Maybe deal with your. And you won't have to be.

[B]

Yeah. But I feel like I need somebody else to bring it up to me before I can do it myself.

[C]

Of course. Okay. No late fee on this one, but interest is accruing like crazy. Again, it's just energy drinks and snacks. Come on. It's not good for you either.

[A]

Yeah.

[C]

Can I have a kid?

[A]

Yeah, but I need caffeine. I just need it. If I didn't have caffeine, I would be a piece of person.

[C]

Guys, if we're trying to make a little hammer, we gotta.

[A]

Is he agreeing?

[C]

We gotta all come together. That was a yes, sir.

[A]

We'll all come together, but.

[C]

28.99% interest rate. Please. Women don't come when they're with me.

[A]

Oh. Oh, I'm very sorry for your girlfriend.

[B]

At least this finance says you're straight.

[C]

28.99% interest rate. Okay, so this must be your Quicksilver, then.

[B]

I don't have one.

[C]

You have double quicksilver.

[A]

Yeah. Well, the first one. One of them is a Walmart card.

[C]

This is also basically maxed out.

[A]

The Walmart card got bought out by a capital one, so it's now just a capital one card.

[B]

Did you see that? Discover also got bought out by Capital One. That just happened, like, three days ago.

[C]

$719.04 minimum monthly payment. $25. Four years to pay this off. No purchases, but $17.62 of interest is occurring. So, I mean, that one's basically maxed out. So. So, I mean. Yeah, not much in terms of purchasing could be done, but that's at a 30% interest rate and we keep going. Care credit.

[A]

Yeah.

[C]

Okay. What's going on with this dogs?

[A]

Yeah, the little one had to get his year checkup and his balls chopped off.

[C]

Yeah. Okay, well, $268.37 minimum payment was made. $30 for the minimum. $8 and 6 cents of interest is accruing. Takes 11 months to pay off.

[A]

But that one's on. Is that one on deferred interest or. No?

[B]

You said interest is accruing.

[C]

Oh, my. There's been. I think I Think a late fee this year.

[A]

For what? We just opened it and then I didn't pay. No, I just opened it like two months ago. What is the chart? What's the fee?

[C]

$30, which is typically a late fee. There's also a 33% interest rate on this. No, it is not interest free.

[A]

What?

[B]

I thought it was like a six.

[C]

So not only were you not paying, but it's also accruing interest.

[B]

Yeah, but I thought that it was like six months free if we paid it off within six months. That's not it.

[A]

I guess not.

[B]

Oh, okay.

[A]

That was one of the promotional ones, too, where if you spent a certain amount of money, it was zero interest for however many months.

[C]

No, it's not.

[B]

But we.

[C]

It's literally not.

[B]

We had it for a while. A while. But then we didn't use it, so it closed. So she had to get it open again.

[C]

What am I seeing on this? I'm seeing count name, best egg, Cross River.

[A]

Oh, that is how we pay our rent. Oh, it is.

[C]

It's debt.

[A]

No, I mean, technically it's a loan, but we.

[C]

But it's paid every month.

[A]

Yeah, we pay half the month.

[C]

Who has collections?

[A]

I do.

[C]

You're 22. What. What is in collections?

[B]

Because whenever I lived in my previous apartment before I moved in with her, I guess I technically broke the lease, but I also made sure to do it correctly, I guess. The apartment complex was a very apartment complex. They had. There was some type of leak on the upstairs apartment. It caused mold to occur in my bathro. I reported it. They didn't do it within seven days, which is like, what was.

[C]

Well, did you report it to any city agency? Try to get some law firm? Anything? No, pro bono.

[B]

I just wrote a letter to the maintenance guy or to the management. I'm leaving.

[C]

Just left.

[B]

Yeah. Because they didn't hold up their end of the deal.

[C]

Yeah, I agree.

[A]

So is there a way we can.

[C]

Do that in your account? When was this? I don't think so. This is so hard because you're going to have to prove that it's there. This is word now.

[A]

Yeah.

[C]

Okay. Well, you owe it.

[B]

Yeah, I'm not paying.

[C]

Is this. I think so. We don't want to get a house because it's. At that point we're just talking like that could be.

[B]

That's not my number one priority. Sure, I'll pay it, but I'm not.

[C]

Doing credit the quickest.

[B]

Really?

[C]

Yeah. Getting rid of collections.

[B]

Okay, then maybe that needs to be a higher priority for me.

[C]

It Depends on what you want and what your goals are.

[B]

I mean. Yeah, you know, our goals. Our goals is to buy a house and have a kid, but I didn't realize that. That paying collections was first priority to get my credit.

[C]

I'm not saying necessarily first priority, but it can have a. Some of the quickest effects.

[B]

Okay.

[C]

Depends on the entire situation. Because you have so many max out credit cards. That could be one of the quicker ways.

[B]

Yeah.

[C]

For an immediate effect. Okay. What the is this? We have a balance of $21,540.04.

[B]

It's my car. Oh, what do you have a 2020 Honda HRV.

[C]

Okay. Interest rate is 5.54%. It's not the worst.

[B]

Yeah, yeah. It's because I'm the co signer on the car.

[C]

You're the co signer?

[B]

Uh huh.

[A]

Don't look at me.

[C]

Who is it in whose name is it in?

[B]

My ex husband's.

[C]

Really? Okay, and how's that?

[B]

Fine. Payments are there.

[C]

Are you guys on talking terms?

[B]

No. But when we. When we wrote up our divorce, we wrote up a paper basically saying that I was responsible for any damages, payments, anything like that. Both signed it, had it notarized and.

[C]

Wow, that's interesting.

[B]

That's all that's been said.

[A]

That's one of those things that we do have pretty constant conversations about because I would like to get it refinanced even if I have to be a co signer for her, but I want his name off of it. Yeah.

[C]

How did you and the guy meet?

[B]

We went to high school together.

[C]

Okay.

[B]

We lived in a really small town.

[C]

Okay.

[A]

Yeah, that's a sore subject because every once in a while he'll show up out of the blue and start about. He says it's about the car, but it really just attacked him.

[B]

I just recently blocked him like within the last month. I kept the communication open in case, I don't know, maybe I was able to refinance it. Just something. And then it ended up being something that had nothing to do with the car. So I did end up blocking him because it wasn't for the car. It was the purpose of stirring some just to be in a ass.

[A]

But I know that both of our credits are pretty trash right now, so we want. That's like going.

[C]

Yeah. Refinancing would be right now, to be clear.

[B]

Yeah. And the interest rate on the car is pretty low. Pretty low.

[C]

What do you think it's worth? You owe $21,540.04 minimum depayment 50477.

[B]

We just looked. I think it said 7:15-17 sounds about right.

[C]

We're getting about 18, but yeah, there's.

[B]

Damage to the back of it. It.

[C]

Yeah.

[B]

Yeah.

[C]

Cuz we're underwater for sure. However, we could save ourselves maybe about $5,000. Getting yourself a $10,000 car, borrowing the difference to pay this off as well by selling it.

[B]

I don't want to sell my car.

[C]

It's a car. Who cares? Who cares? It's like do we want to get there or not? Yeah, we can do a lot better. We can get to where we want to get. I'm guessing the Jeep is you then.

[A]

Yeah, The Jeep is me.

[C]

One. Okay. So smaller balance. $9,328.60. Minimum monthly payment. $392.52. Okay. Okay.

[A]

Yeah, it's almost paid off. I. That was my first big purchase.

[C]

But I'm an unpaid balance part though.

[A]

Is that not the total that that I owe?

[C]

I can't tell. What's the interest rate on this high?

[A]

It's like eight. That was my first purchase.

[C]

Well, it's worth about what. It's worth just about the same. Yes.

[B]

She's not gonna sell her car.

[C]

I'm not saying to her car's at a reasonable price for you guys. Situation.

[B]

Okay. Sorry.

[A]

Yeah.

[C]

You're gonna sell your car.

[A]

I would like to refinance mine just so that 8% was lower. But I know I only have about a year left. That was like my first big purchase. So I did take the longest loan. But I have had it for five years now. So it's almost. We're getting there.

[C]

Okay. Student loans. Who's this under me and.

[B]

Okay, I think those are mine.

[C]

How much Is it total?

[B]

29.

[C]

Me are payments started?

[B]

Kind of. I didn't realize that the interest had started accruing on the payments, so I missed a couple payments. That's why my credit score drops so low.

[C]

So what's the minimum monthly now?

[B]

I don't know.

[A]

She just signed up for the income based one. So it's. It's on.

[C]

So weird because you guys do not have bad income. So I don't know like what the. Like your. Your payment would honestly be if it's 29, maybe 250 bucks. You can totally afford that. You be on something special, I think.

[B]

Okay. I think.

[C]

Why should you be?

[B]

I don't know. I guess because I can't straight up pay the balance that's due right now. The balance due right now is like.

[C]

Because of your Debt choices. Yeah, that's because of your spending choices. If it's income based, your income can afford this. You should have to pay your program.

[B]

In that case they'll tell me that my income based whatever is not.

[C]

No they won't because it's dumb.

[B]

Okay, well now I'm based on a 90 day hold and I don't make a payment until they decide okay, I'm gonna.

[C]

I guess it's going to be like 50 bucks cuz it's always something like that.

[A]

I think it was like 110 whenever she looked.

[C]

110.

[A]

What was the payments that you were supposed to be making?

[B]

No, my payments that I was supposed to be making was $304.11.

[C]

Yeah. Which you could if you weren't spending $900 a month on going out to eat.

[B]

Understand?

[C]

Great. Glad we're subsidizing. You're going out to eat. Okay. Yeah. Yeah. Past it. Yes. Do you have student loans?

[A]

Yeah.

[C]

Okay. What's your student loans? It's a little hard to tell who's who's in here.

[B]

Oh that's all mine. Mine are like. There's like six individual.

[A]

I don't know if mine are in there. It's about. Yeah, I think 50,000.

[C]

For what?

[A]

I went to school right out of high school to be a math teacher. Teacher. I got my associates and dropped out. I went to culinary school in Denver for a year and doubled my student loans in the one year and I actually just started going to school last semester.

[B]

Why?

[A]

Because I want a career in psychology. I want to go to child psychology for sake.

[C]

So because you're in school you don't have to pay, right?

[A]

Correct.

[C]

Sake. Listen, it's not child psychology. But if either of you want a course career certification, I'll give it to you. I don't think it's actually applicable to you guys situation but either way that's crazy.

[A]

Yeah.

[C]

Now we're going back in. How much school do you have to do? Full four years.

[A]

I have to get a master's.

[C]

Oh kill me now.

[B]

All of those are your student loans.

[C]

And you know this and you're aligned with this and you're okay with this?

[A]

You're okay with me going to school?

[B]

Yeah.

[A]

Those are. That's just my credit.

[C]

It's gonna take away time for more conventional work. Yeah, especially once master starts.

[A]

Yeah, but I like income will be.

[C]

On you again as a breadwinner.

[B]

That's fine. I'll have my certificate.

[C]

But you have to pay off the debt too.

[A]

That's why we're trying to get there.

[B]

Before I get a better job.

[A]

You did that.

[C]

You paid off.

[B]

No, I said I get that. And within the next year I'll have a certification in the actual job that I'm doing and I can get a better paying job. I just passed a test. Triple.

[C]

Is that true? What will the job be?

[B]

A travel contract for ultrasound.

[C]

Okay, good. I love that. We'll use that and we'll feel that towards the future.

[B]

Okay. Can I ask you a question though? As far as travel contracts go, do you know anything about the taxes behind that?

[C]

Because are you a contractor or W2?

[B]

That would be a contractor. Yeah.

[C]

It set like 25% aside for taxes.

[B]

Okay. That's all. I didn't know how that worked.

[C]

If you're a contractor, that looks like all the debt. Is that all the debt? Looks like all the debt.

[A]

That.

[B]

No, that's all.

[A]

I think that's it. I. I actually do have something in collections, but it isn't on my credit report.

[C]

How long has it been?

[A]

I just got a. Like a packet, so it might hit soon.

[C]

What's it for? And how. How much?

[A]

It was for the previous engagement ring, but I'm trying to dispute it because the ring. I did take the ring back to them. Them. They have the ring, but they still try to send me. It was like fifteen hundred dollars.

[C]

Okay. I won't write it down. We'll see if that happens. But. Okay. Checking account. 69 bucks in here. It's not good.

[A]

I don't know what account that is.

[C]

We all have the same rbfcu.

[B]

We all have.

[A]

We both have one individual and we have the driver.

[C]

It's one requisite.

[A]

Oh, that's mine.

[C]

So 69. Okay, good, good, good. Going in, getting some Starbucks. Affirm or affirming. Sonic, Getting some bullshit press coffee. Apple Bill going in, getting some bull press coffee, going in against bs. Apple Bill, Spotify, Academy Sports, Jimmy John's, Starbucks. How is this helping us get to the, you know, healthiness for. Baby, this is all bad for you. Even before eating once a day. Make it healthy. Right, right. Disney Plus Apple bill going in, getting some BS going and getting some BS going and getting some B.S. going and getting some B.S. going and getting some B.S. Going and getting some BS, going in and getting some BS. What are your thoughts on that?

[B]

I'm just. Or sorry. She's just as guilty as I am.

[C]

So you're okay with it?

[B]

No, I'm just saying that it's not just me that's suspender in the relationship. What I say I'm more. Yes. But I'm not the only one.

[C]

One.

[A]

In my mind. If I have it in my joint, in my checking account, and there's still money in my checking account after I pay for it, then I can afford it.

[C]

Savings, $21, overdraft protection. And this account at 309, that's. And that's so we can get Netflix and courtesy Pay fee and Amazon, Big Country, Whole Navy and Target. Raising Canes. Chick Fil A. Go and get into BS but just Chick Fil Chicken, Starbucks, Tick Tock Shop, McDonald's, Amazon, Academy Sports, Laver, Lavernia. So please.

[B]

Lavernia, It's a town.

[C]

Okay, well, that one's not as easy as charades. Charades. Mason Donuts, Starbucks. Store. Raising Canes, Dutch bros. Dairy Queen, McDonald's taco cabana. Going to get into. Going to get into. Going to get into Gordo's. Any Tacos, Casa Garcia, Spotify. Oh, my. This is endless.

[B]

Dude, I know it's bad.

[C]

We obviously just don't care in our actions. In our actions.

[B]

I'm just circling our actions. I'm just circling back to Starbucks.

[C]

Texas Roadhouse.

[B]

Don't have a way to pack a lunch.

[C]

Except we literally disproved that earlier.

[B]

Yeah, but the ice, the coolers. Doesn't always make.

[C]

Get a better one. Okay. Or just get a cooler.

[B]

Yeah. You travel in a van with five other ladies.

[C]

Well, congratulations.

[B]

They'll be okay with you eating enough room.

[C]

Put it on your lap. You have a lap? Do you have a lap? Does she have a lap?

[A]

Yeah.

[C]

Put it on your lap.

[B]

Okay.

[C]

Go and eat in some bs. Gordo's Mini Tacos, Nora's Snacks, Academy Sports, Starbucks, Amazon. Okay. You've had three overdraft fees this year so far. You. I know, it's ridiculous. Taco Gabbana, Dairy Queen. Going and getting some bs. Pop shelf. Pop shelf. Starbucks. Go in and get in some BS. McDonald's. Go in and get in some BS. We're never gonna get there if she's still like this. Yours was not good, but you, I can tell, are going in a direction. She is so beyond fucked financially in just her actions, where it's like, I don't know if how we're gonna get to the same goals together. I don't know.

[A]

Okay. Yeah. That's like one of those hard conversations that we need to have about getting our heads out of our asses and actually doing something. Product active.

[C]

And in this checking account, went in, got some BS and then in acorns we have 10 bucks.

[A]

Yeah, I just started that because you said that we need retirement. I mean, I knew we needed.

[C]

Yeah.

[B]

Hey, you didn't even talk about how much was in this account.

[C]

It's a thousand dollars.

[B]

Hey, it's a thousand dollars you're spending on it. Well, yeah.

[C]

This is why I don't think the money's gonna be there for very long.

[B]

Rent comes out of this checking account.

[C]

I don't think the money's going to be there for very long.

[A]

Okay.

[C]

He went in and got some in there as well.

[A]

Yeah.

[C]

Total income for the house, 7100.

[B]

Hey, this is not bull. I'm sorry, but that's that Petco is dog food and HB is groceries.

[C]

Did I hide. Did I say those things?

[B]

No, but you said bull. There's no other.

[C]

I said going inside and getting some. When you stopped at the gas station and went inside and spent a few bucks. So you. Your debt. Minimum monthly payments is $1,739.29 cents. Not good.

[A]

Rent, 1650.

[C]

Utilities, including Internet.

[A]

Well, Internet. Phone bill.

[C]

Yeah, Internet's 40. What about utilities? Gas, electric, whatever.

[B]

Oh, all of it.

[A]

Electricity is about 130. Yeah. And gas? We don't have gas. Trash is 100, 104 every three months.

[B]

Yeah.

[C]

Oh, and what was electricity again?

[A]

130 on the highest end.

[C]

Cool. So I'm gonna say 164.67. Phone bill.

[A]

Mine's 120. What's your phone bill?

[B]

Do I not include the wifi?

[A]

No. Say everything together. Okay.

[B]

The WI fi and my phone are 1:45amonth.

[C]

So I'm crossing out the WI fi from before. Okay. $265. Gas. Vroom, vroom. Drive, drive.

[A]

About 250 for both of us a month.

[C]

Car insurances.

[B]

$340 for both of us.

[C]

Okay. $600 for groceries. TP fund. $250 for $200 for anything else you guys need in your life. Life, for example, your bloat, medical, health care, anything that is required.

[B]

I had that since I was in school and I couldn't afford health insurance. I did like the free health insurance or whatever that you sign up for.

[C]

So that co pays and stuff. Like what about how much you spend?

[A]

We don't know.

[B]

We don't have health insurance.

[A]

No prescriptions.

[C]

You don't have health insurance?

[B]

That's where I was trying to get out.

[C]

What the is wrong with you guys? Get health insurance.

[B]

I had health insurance.

[C]

Just get health insurance.

[B]

It's f Cking.

[A]

Expensive?

[C]

Yes.

[B]

I can do it through my job, but I have to wait for the enrollment to open.

[C]

Let's get health insurance. We'll just get you bottom of the tier. Just 500 bucks a month. Bottom. Oh, like the worst you can get but it's gonna prevent you from going bankrupt.

[B]

Okay.

[C]

Pen insurance. How much?

[A]

None.

[C]

What are you guys doing?

[A]

Well, my.

[C]

Are you guys doing?

[A]

My dogs are old. They're both 10, so I can't.

[C]

So not that. What about those? Yours, Ages and health?

[B]

Oh, four.

[C]

Four and healthy. So two four year olds?

[B]

Yeah, two four year olds and then the new puppy.

[C]

Get them on Pet. 105 Pet. Get them on pet insurance now.

[B]

Oh, that's not bad.

[C]

Well, it's gonna be like 105 to 120. Let's just do 120. Yeah.

[A]

Okay.

[C]

K Jim, 39 dog food.

[B]

$70 every week.

[C]

70 a week?

[B]

Yep.

[C]

280. Anything else that needs to be in your budget that I have not taken into account?

[A]

I don't think so.

[B]

No.

[C]

Guys, we have room. You need $6,147.96 to survive on a monthly basis. 7,000. Okay, so you have $952.04 left. So, so stupid. There's no reason to be in this debt. It's just your irresponsible spending. We saw where the categories went and then you overspent on your money. Why'd you with my pile?

[A]

We didn't.

[C]

If we. Minus the student loans, Our debt is $51,959.21. Now you are going to get that pay raise, which I'm excited about. But even if you didn't, you can still do this. And it would actually take quite a while. It would take about four and a half years. Call it five and a half years. When you know, fully funded emergency fund and everything. But you're probably going to do this in like two and a half to three years. Just double. Just buckle down. Just buckle down. This is just a budget situation. This is not a crazy like, do this, do this, do this. If you guys budget, your pay goes up. If we stick to our means and we just track it. Use the budgeting app. Do whatever you gotta do. Have the conversation you need to have. Go through our educational programs, go through that. Stay disciplined. You guys are out of debt and you have a fully funded emergency fund. It's pretty simple. It's just time.

[A]

Yeah.

[C]

What you have to do is just simple and communicate. Sit down and talk about on a monthly basis.

[B]

Okay.

[C]

Guys, join us in the Post show Join Hammer link in the description below. I'm about to give them their Hammer Financial Score, but join that the best YouTube membership on the platform and we will have a nice juicy post show. There's always something that I don't know about, something we didn't get to talk about. I don't know. But spending in a budget? You guys are 0. 10 because you spent more than you make. Debt collections 0 out of 10 emergency fund is a thousand hours 1 out of 10 retirement 0 out of 10 real estate 0 out of 10 okay, well ham financial score rounded up 0.5 out of 10. I'll see you guys in the post show. Make sure you download the budgeting app, sign up for the annual version. I'll send you the cookbook and notebook signed by me that can't be purchased anywhere else and I'll mail directly to you seeing the Post show. Bye. What is the tax situation?

[A]

I don't know at all.

[B]

What happened that caused a big strain in our relationship? Relationship for a good three months.

[C]

Why the do you possibly owe taxes? Who owes taxes?

[A]

Both of us?

[C]

What do you owe about what the are we doing? You're both equally as exclusive members Content Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. Martha listens to her favorite band all the time. In the car, gym, even sleeping. So when they finally went on tour, Martha bundled her flight and hotel on Expedia to see them live. She saved so much she got a seat close enough to actually see and hear them. Sort of. You were made to scream from the front row. We were made to quietly save you More Expedia made to travel Savings vary and subject to availability. Flight inclusive packages are atoll protected.