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

I'll spend things on whatever I want. You hear that? He'll spend it on whatever you want.

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

You haven't listened for a second. I don't understand why you think I'm explaining it right now. If I'm explaining that, you will listen and you will hear the answer that you'll desire. Is there a way to communicate with him?

I just tune him out sometimes. Like, I'm confused on how he's confused. We have two different communication styles.

Obnoxious and delusional. But you're looking at one month after having 37 years of habits built up where we're trying to take time to change these habits.

No, you're right. You're right. And I I see the results. I see the results of that. It's more than a quarter million in debt.

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

Get your Hammer financial score at calebhammer.com and see where you stand in the world of finances today.

Hey, I'm Tim. I'm 37 years old. I'm Mary. I'm 37 years old. And this is Financial Audit.

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

Uh, I mean, I make money. Uh, I work in the software engineering field. So, I've been doing that for the last like 10 years or so.

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

Uh, right now I make about $250,000. Uh, and that's including an annual bonus as a house. Yeah.

Woo. That is chunky.

Yeah, it's nice. I mean, I've worked a long time to get there. Uh, but you know, I thought I'd come in so that we can have an opportunity for you to actually look at people with finances instead of just people that have a job. So, we actually know what we're doing with finances.

Yeah. Yeah. When you're just like hustle finances.

Well, you're just having a side hustle all the time. Like, you think everyone just has a side hustle on the show?

Yeah. I mean, everyone's like, you know, doing DoorDash or working out at like the delivery window or something like that? Like one out of every eight episodes. I guess the ones that just come across that become interesting are the ones that have the

So you're not interested.

Oh, we'll have to find out, right? That's the whole point.

Okay. So, someone with actual finances. That's That's curious. Okay. $215,000.

That's great. Huh.

50?

Yeah.

Okay. I thought you said 15.

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

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

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

Combined. Yeah. Okay. There's finances, ladies and gentlemen. It's a combined account.

I'm glad you recognize that.

Yeah. What is the account?

I don't know.

But what hits the account on a monthly basis?

Yeah.

Yeah. We hit the account roughly uh $18,000 a month.

What is she know?

I just don't do the math. I'm more financially focused and numbers or it's not financially focused. We're both equally invested in budgeting, but I'm more numbers focused. Like I'll keep track of the numbers more closely than

invested in budgeting, but she doesn't know the numbers around the budgeting.

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

And you were doing before?

Uh a little like finger to the air, you know, uh keeping track of it. uh mostly in my mental uh financial spreadsheet, I guess you could say. Uh

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

That's just a number of accounts.

Listen to that. That booms the room. You hear that? I'm glad you brought you a toy to play with today. We brought you a toy so you could actually have a

You brought me a toy?

Yes.

I better than that Lab Boooo behind you.

Uh-huh.

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

I think just trying to tally everything up like in our head. We're not really I don't know. I like spend

What did life look like?

I mean, the same as it kind of does now. Like we go out to eat several times a week. We go to the movies at least every other week. We have our hobbies. We have our dogs. That's not going to the movie every other week and going out to eat every once in a while for an income as strong as y'alls isn't even close to concerning by any means. That wouldn't lead us to this.

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

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

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

This would not make or break your budget by any means. So, I'm still concerned. We didn't always make this much money. We always we we met later.

How long have you been making this much money?

I

5 years for me.

Yeah. So,

and you

I over 100K for the last 5 years. Uh five or six years.

What the [ __ ] you talking about?

Well, you guys have been double triple the median household income for minimum 5 years.

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

Yeah. But that's over 5 years ago.

Yeah. But it took us 10 years to build up that debt ahead of that time. So a lot of it a lot of the situation is us mortgaging our 30s to pay for our 20s is how I would describe it.

We spent we both went into a lot of debt. Had a lot of fun before we met each other and then now that we are in our 30s and actually meeting the earning potential that we plan to have,

which is why we spent $27,000 last month when we bring when we brought in 15.

Yes.

Yeah.

Because

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

It was a special occasion. We got married. So,

we recently got married. Yeah,

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

I'm not seeing this marriage.

Well,

it'll come up.

I mean, the state of Texas knows about it if we need to go get a certificate for you. No, I'm saying in the finances. I don't know. Maybe

we did save. So, we we got engaged and we uh we waited like almost 3 years,

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

You bring in net well 18, which is so this was just about that. I again I had 155 so it was a little less but this doesn't make any sense why you would spend 27.

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

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

Uh we spent about the budgeting app told us that we spent about $2,500 over our flexible budget. Uh so like

what do you consider your flexible budget?

Discretionary uh accounts like Yeah. the number.

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

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

Yeah.

Is your considered flexible budget?

Well, we know you've spent well beyond. Also, bad debt alone is $161,000.

$161 bad debt. That's bad bad debt. Then there's a lot of No way. No, you guys are $269,180.29 in debt and not a single one of those is a mortgage,

correct? Yeah,

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

Okay. So, I mean, what the is this? This is lifestyle inflation to the core. You guys are making well beyond what anyone in their wildest dreams makes. And yet, you're living like you make double somehow. Like, this makes no sense. You guys make what? 350. Uh roughly 3 350 mean like you make five.

Yeah,

we like nice things. We we like ourselves.

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

350,000 hours is hard, not 500.

Well, I mean a little You got to live life a little.

We enjoy ourselves.

Put the life back in a living.

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

Maybe. I don't know. That's not what I Dude, you you guys have literally uh more than a quarter million in debt. None of it's really good. 100 of its student loans, which has provided a return on investment. Sure. And then there's some 0% cards, but then

what do you mean?

I It took me 10 years to get an undergraduate degree, but

no,

nobody's autistic, though.

Yeah. Well, aren't we all? It's a spectrum, right? Uh, you can't argue about it. I've seen you.

Uh, a little a little maybe a little on the spectrum.

My point being though is that the 10 years that it took me I jumped between a couple a couple different things. I started studying music, went to accounting, went to mathematics, but none of those apply to my actual job these days.

Autistic.

All I do is that I actually I taught myself how to code and got into software. So my education that I got wasn't necessary for the skills in the job that I do now.

Well, was most of that 100 you

I'm sorry. Most of the 100 student loans,

uh, half of it is mine. Yeah, we each have about $50,000 in federal student loan.

Well, yours still paid off, though.

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

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

Yes, I think so.

Yeah. No, objectively.

Yeah.

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

because you guys have this.

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

It takes time to get out of it. 5 years of making an incredibly strong income, three times the average median the median household income in the United States. So why haven't we?

Because most of that time we spent like most of our discretionary income was spent saving for a wedding to be able to pay for our wedding.

How much was your wedding? $70,000.

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

It was beautiful. It was okay.

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

Yeah. And there we went over We had a $50,000 budget for the wedding. Uh we ended up paying a little bit more than that whenever

25% more, right? Or 50% more.

Yeah, I think so. Yeah.

Yeah, I'd say. Yeah. Roughly in that same that time frame or that

it was great

pay range.

What the cost $75,000?

Magic, my friend. Magic.

Okay, let's give an example. There were Well, there were three different parties cuz I'm I'm Mexican and you know in Mexico you have like a 3-day long celebration.

Well, I mean you're in America.

Yeah. Well,

fun fact with that one, but

we we may have traveled.

The wedding was in Mexico.

Yeah, it was cheaper.

Yeah, you saved so much.

We did.

We had what we got.

Yeah. It would have cost

Yeah, if you went insane in America. Sure. Dude, this makes no sense. This makes no sense. I mean, we we wanted to have the wedding of our dreams. We wanted to have the party that we wanted to have and we prioritized instead of Yeah, I could fix that point. Yeah.

You could have been fixing it for so long. You're saying you saved up to $75,000 over 5 years?

I don't know.

We saved up about $50,000 over 5 years.

Okay, good. And you're get out of a quarter million dollar of debt. In fact, more in two years. Wouldn't you saved up $50,000 in 5 years?

If we really like,

you know, math isn't working. a big dream day. You couldn't

buckle down and really figure that out and work hard.

It's not that we couldn't. It's just we chose to have the party that we wanted to have. No, no, no, no. She's saying you can do $250,000 in two years if you really buckle down. But the big dream day was our big special thing that she would never regret and never take back. Okay, great. But she you guys couldn't buckle down for 5 years and do more.

Think that there's actually a little bit of

I wish there was proof. I could be like, "Woo, yay." Yeah. two two years and we're out of this guys. Let'sing go. I would totally believe it.

I think two years is probably a stretch goal, but we can probably get out of it within the next 5 years. I mean, we've been paying off various accounts and even before we had the budgeting app, the whole goal was whenever a a check hit our account, it would say, "Okay, what do we have to what's our next debt that needs to be paid?" We'd pay all of our debt first and then we would uh use the rest of that money pictures from their wedding. This is insane. And they're in like a castle. They got marching bands. They got there's a parade.

Ridiculous. Absolutely. Yes. No. No. No. But I It's just like it's the entitlement around it. Thinking like because you wanted it, you could afford it and it makes sense. It necessarily doesn't. And yes, you're Mexican now in these pictures. I thought you were Asian here.

It's not the first time she's

But

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

I get that, dude. I'm saying you have no proof to back up you being able to pay this off in 2 years when you could only do 50 for our dream.

Mhm.

In five.

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

monthly payments doesn't matter.

We're making more than minimum monthly payments. Well, you can see you spent more than you made. Like that always gets offset. I hope there's someone twerking on the ground.

That is true. Yeah,

we always we always end how th we always know how to throw a good party. Our friends always bring the best energy for sure. You guys can always afford it.

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

Yeah. Little Sunday brunch the day after. Uh everyone

they made her into a pinñata.

What?

No, that's not her. It's just a They do a what's called a kinda in Wajaka. And that was the parade that occurs after the the wedding reception. And

boring

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

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

But how are you choosing? Because again, you spent more than you even put towards us on the last month.

It all comes to due dates for the for the accounts. So if something's due, so if we get paid on the first when a minimum is due

when a account balance when yeah when a next monthly payment is due on the account and we pay the minimum payments for everything there

and then we have an additional fund in the budget line that's about $1,500 of debt that we can pay towards debt.

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

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

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

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

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

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

No, you'll have birthdays for them every year. You'll have Christmas. You'll have family. There's always things that'll be popping up and you guys will use that as an excuse to spend an infinite amount of money constantly.

But if we're making it, why why shouldn't we enjoy the money?

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

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

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

I I don't believe that your statements are I don't believe your calculations are perfectly accurate because

accurate as they're adding up

spending that's going But you're counting spending and all that. An example, first credit card, they paid 4,000 towards it, but spent 9,141. Just because it's not visible in your checking account doesn't mean that's not what was spent.

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

It's not just about the checking account. It's all accounts combined, big guy.

What card is it?

It's the Navy Federal.

It's your card.

Your card?

Yeah. I mean,

miscellaneous [ __ ] flown is borderline 10,000. It's right there.

On what?

Well, I don't know, but that's the category. We'll find out. Miscellaneous [ __ ] can range from video games to Monster energy drinks to who knows. We're going to go through everything. Going out to eat was $1,225. Like, this thing's crazy.

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

And then you didn't after two months of having a budgeting app.

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

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

right? And so now in the next two months,

why do you keep saying, well, what is this answer? This is that's such a non-answer though.

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

You haven't in the two months you've had a budget. Like I want to believe you. If we're sitting here and we're just having a conversation where we're not being fully open and I'm not and I'm not shut the up for a second understand why you think

because I'm explaining it right now. If I'm explaining it, you will listen and you will hear the answer that you'll desire. Why do I not think it? Well, because you say, "Oh, I'm going to do this. This is going to happen. This is what we're working on." And in a conversation, if we were just at a coffee shop, I'd be like,

cuz why have the conversation? But here's the thing. We have a budgeting app for 2 months. I have your most recent month. I see the spending that's within that month. So why am I trusting and believing that you are going to do that when all the proof that is on paper on paper is suggesting otherwise? So why would I just sit here and listen and just be like, "Oh, you're right. You are going to fix that. What the are you talking about? You have the same tools that you had the month that we're seeing here. I'm not just going to take it and believe it and stop pushing back because uhoh. Yeah,

but you're looking at one month after having 37 years of habits built up where we're trying to take time to change these habits.

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

It takes like 6 months for change to happen. So, right, like six weeks. Six months. What is it?

Two weeks to make it a habit. And then six months to see change.

Two weeks. We're in two months. But there's only these on a monthly cycle. You can't measure it on a week- to week basis.

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

And so we've made habits and changes to the way that we've been spending. Like we strug like we what we spend on a lot is like gratification.

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

three,

one.

Okay. Why do you think you're better than he thinks? Or how about this? Why does she think you guys are better than she thinks? Look, private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Wire refi has got you. They'll rearrange your payment plan, ease the monthly hit, and even let your poor co-signer off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what? 4.6 stars on Google says Wire Refi actually picks up and treats you like a real human. Shocker, right? And finance, that's about as rare as me not slamming the desk every single episode. So, if you're done fantasizing about robbing a bank, don't do that, by the way. Check out yi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to yfy.com/hammer. That is yrefi.com/hammer or call 8973-33978. That is 889733978 and see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. You ever leave a big meeting brain buzzing with ideas only to get distracted by emails, phone calls, and funny memes? So by the time you can focus, you've already forgotten what the meeting was about, let alone what anyone actually said. same until I got Plaude Note Pro. It is a pocket-sized AI secretary that captures everything, organizes it, and delivers you a beautiful summary with insights, to-dos, and even draft follow-up emails. And I'm not joking. Plaude can also brainstorm with you after the meeting using something called Ask Plaude. It's like Chant GPT, but actually knows what happened in the room. And don't worry if you get stuck in the back. Unlike your phone, it can pick up voices from 16 ft away, cancel background noise, and run for 30 hours nonstop. If you're leading people, making big decisions, and trying to get big things done, you shouldn't be scribbling messy notes like back in the day. Get the tech that works as hard as you do. Visit plaude.ai to get yours today.

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

Well, you actually know the numbers.

So, I I can answer for myself. I can say that the reason I give us a one is because we have some retirement savings. Other than that, like the rest of our financial assets.

Why did she think cuz she hasn't analyzed the numbers maybe as much as I have. Like she hasn't looked exactly at what's going in and what's coming out. Like the I have a better sense of what's actually coming in and going out on a month-to-month basis. And I think that we need to make more changes for us to be able to get to that goal of getting a house. And you know, we want to have a family. We want to have at least two kids. Like, so we need a house to be able to afford this.

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

We just enjoy what we enjoy.

Shut the up.

I don't think you actually think that.

I don't think Shut the up.

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

Huh? Huh? What? You just said something you've already said four times. I don't need to hear that. All right. Now, Navy Federal. Oh, good. It's what happens with a higher income. You get higher access to credit limits and then you just your entire life. Now, luckily, for what it's worth, I will clarify from what I said earlier where it's like, you know, like your finances are worse than someone who's broke. Numbers on paper. I mean, someone who's broke, sometimes that means, oh, they might get evicted. They're closer to eviction. They're not paying for a utility. I mean, you guys could be, too, if all your money's going to minim. But obviously, you guys have tools like bankruptcy, and that could get you to a solution faster. But I just mean more numbers on paper. Um, but $22,99. What the 70s? That's insane. What is going on with this card, big guy?

Uh, that's kind of our catchall account.

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

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

No, we we saved for the wedding. All right. We saved the wedding and we did a lot better than most people do here.

What are we comparing? Who gives a jerk yourself off harder, big guy?

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

oh no something else no one has experienced the pandemic. Okay continue.

We ended up

see what makes you such a unique butterfly.

Uh what makes me a beautiful butterfly is the cocoon that we came out of. So unique beautiful not the same.

Continue you met during the pandemic.

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

wonderful that gave you four years to save up money on a very strong income. Here's the fact I want you guys to have this wedding. You can afford this wedding in your income, but you did it before you could afford it and you put it on credit cards like dumb motheruckers who's acrewing $3,000 and paid $50,000

and then you went over budget, which means you don't get to do it until everybody goes over a budget. Everybody goes over a budget when they have weddings. That's what my best friend told me. She's like, "We went over our budget. Just prepare yourself. Your

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

and they're my friends.

But do they have reliable sources?

Do they have beautiful catering? Was it a three-day festivity?

It wasn't a three-day festivity because

they're not their money.

I mean,

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

Chose to spend more money than you saved up more money that you could afford and more money over the next few years. Like everybody get like

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

You hear this? hear your privilege, mother.

It's what is wrong with you guys? We make the money. We make the money. We make the money, but it's the entitlement to like, oh, oh my goodness, we didn't travel. Oh, oh, [ __ ] We didn't travel. Oh no, we didn't travel. Oh my. Do you guys even hear yourselves? Like, yes, if you can afford to travel, do it. But I don't give a about the Boohoo [ __ ] If you can't afford to travel now, I don't give a if you didn't get the chance to travel a couple years ago. Yeah. Afford it. Put it in the budget when you can. I don't give a

That's what we're doing.

No, you're not.

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

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

So, we're paying that off now. Slowly and surely. And like every day,

you spent more on this. Oh my goodness. What a pointless back and forth. What a pointless dumbass back and forth. Yeah.

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

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

That's the last like large expenditure that we have.

Well, we want to have a kid.

So, and then we want to buy a house.

So,

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

keeping the consumerism economy alive.

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

Shut the [ __ ]

Have you heard this conversation? We like somebody to tinker with the finances.

How much is the Y going to cost?

About $8,000.

Doubt.

It's what what's been budgeted. It's what's already been spent.

Yeah, but we know how you guys budget. So, I'm guessing if it's $8,000 for you, it's going to cost about 12.

Based on how you guys do things.

I was thinking 10.

I think 10 is probably reasonable. Yeah,

but

it's not that, man.

It's not that bad for

you have a quarter million dollars in debt. I don't give a [ __ ] about I don't care. No, you are not entitled to this. But our household income covers that quarter million dollar in debt. I'm not saying it doesn't cuz you're just keeping it. You're maintaining it. You're replacing it every time. How this does not make sense.

All it all it requires is taking a shift from doing that maintaining to actually spending the money on the debt. Like that's all it takes.

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

It's not the next step.

So why is the next step you after Hawaii? Then we're going to make it happen. That's all it's always after the next thing. After the next thing I don't have any plans for October, November, December.

We'll find them. You're going to

you're going to stick it in. You're going to have a nice little blow up for all the holidays. Like we'll travel for Thanksgiving, we'll travel for Christmas. We're not doing that. We didn't do it last year. We didn't do it last year. We've already cut that travel out. Oh,

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

It's based on a and here we go. Let's use some YouTube commentary language. Pattern of it's your pattern of history. It's your history, right?

It's your endless history.

But everyone's history can is not the prediction of their future. We can change our history. It is the best thing to use for the prediction of the future,

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

I mean, we

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

I mean, we do have my family is trying to do a Disney Alaskan cruise in like to 2026. So,

a little bit of honesty.

We got to budget that in.

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

we have the points to get us to Seattle. Uh, that may be true, but that doesn't mean we need to spend it on like this is

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

Yes. And we've talked about it for her birthday.

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

just the same way we paid for the wedding.

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

And then we're doing Hawaii, and then we're doing cruise, and then we're doing whatever happens next. We're having kid, we're having kid number two, we're having kid number three, we're having house. Uh, okay. Yeah, the minimum monthly payment on this is $36741. Yeah. Again, we've purchased $9,141, which is insane. Well, $147 of interest acred. How long does this take to pay off if we only make minimum monthly payments and we don't purchase which you're incapable of?

Six years.

Only only minimum monthly payments.

Without purchasing which you're incapable of?

Six years.

Minimum payments about 13 years I'd imagine.

Okay. 31.

So well within our retirement years,

but just to check, we didn't make the minimum monthly payment on that. Right.

Correct. Because you spent

more than more than the minimum monthly payment.

You spent double what you paid towards it,

right?

Oh my god. But we're paying more than minimum pay down.

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Is there a way to communicate with him? Like I'm confused on how he's confused.

No, he'll just he'll just fight back. You just got to keep going. Got to push forward. Push the conversation forward.

I understand what you're saying.

How do you have disagreements with him? What do you do? Well, we're I'm

Do you ever resolve?

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

Why are we in couples therapy?

Communication.

We have two different communication styles. I want to address things head-on. And she wants to take

obnoxious and delusional. I mean,

better than belittling.

Well, it could be.

Yeah.

If only we uh signed up for it.

Yeah.

Well,

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

How long have we been in this couple's therapy?

Like a month.

Yeah. It's a new thing. Uh

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

And the point is to build the foundation and and

is it time to stick it in? But

I'm sorry.

Pop a baby out. Is it time?

I mean, I'm 37.

We can't communicate. I know, but if our communication's rough,

um, we are So, we're usually able to resolve it either way. It may

I wouldn't say that,

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

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

I mean, I'm good with therapy. I'm I'm good with couples therapy. I think everyone I think every couple should be in couples therapy regardless of where they are. And I think everyone should be in therapy regardless of where they are.

But there are enableless therapy therapists out there and that's what we want to avoid. I'm not saying you have that, but that's what a lot of people get in.

Yeah.

Especially like the like latte makers.

Latte makers.

Yeah. They get into a lot of enablement therapy and blow up.

I see what you like the barista.

The the typical people that come on your show.

Yes. Yes. You're so special.

I mean, we have a lot of different accounts that we can. I've had high income earners before, you know, like similar scale.

Yeah.

Are they Do they have a quart million dollars in debt though?

Probably. I don't remember. We filmed four a week.

So, three and a half years.

What's that? What's the math?

I don't know. I don't care. Oh, okay.

So, yes, I don't remember every person's number. Definitely remember faces I hate.

Okay. So, what did we spend on here? The necessities. Well, it was Junior's comics. It was Space Goblin, Bat City, Bat City, Segeek tickets for $525 because we get to live, guys. We make money. Her family was in town that week and so there will always be something no matter what will always be.

We bought tickets so that way they we can all go to the game with them and we sold our tickets so that we offset the cost but yeah there's additional cost.

There will always be something.

Yes, I chose to take them to the game instead of them having to pay for it themselves. Yes, that was always something is the point. I'm not saying it's a horrendously evil or bad thing, but there will always be something. and learning to say no to the things or the things that that's going to be the difference between the 4,000 and the 9,000 that you.

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

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

Oh yes, you went to an Austin FC game because our city is so great. We only have one professional sports team. What a major city we live in.

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

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

We haven't always been the 11th most populated city in the country, but you are.

I haven't always been is what the statement was. So.

Doesn't matter. We are.

Subaru Starlink.

Uh, that was for Pittsburgh as an NFL team. I don't want to hear. We We haven't always been the largest.

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

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

No, you're right. We haven't always been the 11th most populated Pittsburgh. But they were in the original city, one of the original uh teams in the NFL. Like, how are you going to.

Doesn't matter. It's just a citying size, man. This is ridiculous. It's so stupid.

But that's Austin wasn't built up the same way that the Mid-Atlantic.

Boring.

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

So, uh, a hobby that I have is, uh, collecting Pokémon cards. And so, the junior.

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

I I never said it was an investment. All right. There's a difference.

I'm not I'm not.

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

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

What did I claim it was an investment vehicle?

You said everything you did with finances. I could be wrong. So many things.

You have everything that is Why is he defensive on just nothing? Like that wasn't even a thing. I'm just saying he has every aspect of bad finances. Like what the are you on, dude? Green Bay, Wisconsin has an NFL team. and they got 107,000 people in their city.

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

Huh.

Huh.

Midwest lifestyle.

Yeah. Yeah. Yeah. You're Pittsburgh, Midwest. You You know, you can't let them be Mid-Atlantic. They had to be Midwest. And then now you're bringing up Green Bay as well. So maybe just being in Texas has rubbed you the wrong way. You need to go back. No, it's just that we don't have the amenities that other large cities have, and it's disappointing, including aquariums and zoos and museums that are world class.

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

Would I be advocating for Green Bay, Wisconsin?

You just advocated for you said that they have a better 100,000 people. It's silly that we don't we do have 100,000 people.

Why are youing sucking on the balls of Austin?

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

The dude finds everything such an attack against himself.

I just tune him out sometimes.

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

I'm just getting uh thrown off when you injected in the middle of the conversation about the.

Welcome to the show you applied for that you're a fan of, you dumb [ __ ].

Thanks. Happy to be here.

Okay. Certified trading card.

Another Pokemon investment.

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

She's supposed to have a We both have a $100 fund limit a month and.

It's already broken and we're not halfway through this.

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

I went over the limit. I have a bad habit with instant gratification. And so I spent.

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

So he does tell me when he's other women. It's just a bad habit. He's injecting heroin. It's just a bad habit.

Time out. I would never do that to her and I don't appreciate your.

Example. I don't care. I'll spend things on whatever the want, but I'm not going to spend it on other spend.

You hear that? He'll spend it on whatever the he wants.

But I'm not going to do it. I'm going to.

It's a bad habit. It's a bad habit, so it doesn't matter.

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

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

I forgot we told you about that.

That might have occurred.

Yeah. Yeah.

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

Right. Why'd you hide it from your wife?

Uh.

Like I don't give a [ __ ] about that. Congratulations. Quit. Tell your wife.

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

What a cope.

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

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

Did you hear how I found out? His boss called me. He's like, "We haven't heard from him for 2 days." I'm like, "What do you mean? He told me he was at the office and he just came home."

I had sent my boss an email.

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

My full-time job. My full-time job. Pretending to go to work. Pretending to go to work. My full-time job was finding a job at that point. So I was applying for like4 $50 a month 4550 jobs a day at that point. So.

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

Someone who's someone who's embarrassed to admit that they're that they're going to have to switch jobs again. Like because I switched jobs just a year before that. So I I I wasn't proud of that decision, but I I I am highly employable. I was able to find another job within 6 weeks at that point. So that's what I ended up doing is that I took the next four to six weeks, interviewed and found another job after that. So.

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

Well, you better not. He was unemployed.

Yeah. The the approach was wrong and we talked hiding some we worked it out. work through it and that's why last month you spent more than uh you guys decided was the fun money and then she only finds out on the show where the finances are talked about.

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

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

I'm not even halfway through the statement. Yep. Because let me tell you uh there's many more Pokémons coming down this list.

The vending machines that are near.

Oh, what's eBay? $83 and eBay $293.

Uh, those are those are Pokemon cards.

Okay, Pokemon is now up to 700.

It's probably going to be over $1,000.

What the [ __ ].

That's.

More money that I should have spent.

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

Well, yeah. That's something that.

Come on, man. That doesn't help us get to where we want to go.

That's disappointing.

Yeah. Thoughts on that?

Very disappointing. I'm I'm very disappointed. Like I've.

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

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

I'm not spending that much on my hobbies because I I want to like I want to spend more on my hobbies on my dance hobbies and I just don't because I I figure we don't have the money and it's not it's not fair that you spend a lot of money on your hobbies and you tell me like no it's just it's $100 give or take. I suck.

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

Well, certainly sound like one.

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

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

Thank you.

Yeah. I thought I thought Mary was like 31 before you guys told me your age.

Thank you.

It's actually working. Usually people look older on this show.

You guys look younger. I see the gray coming.

Uh it it'll come in strong. It's.

What's your favorite food?

Uh probably Thai food. Uh Pan and Curry.

You know, you know when you guys have a kid.

Yeah.

And we're talking about getting food.

And he's going to be like, "Let's get Tai." And the kids can be like, "No, can we get burgers instead? I like burgers more." He's going to be like, "No, actually Tai's better." And you know the history of Thailand is is a much more populated country and actually burgers haven't been around as long.

They haven't been around as long. So actually we should get Thai food and you're actually really wrong.

It's actually funny cuz that's how I talk to so I'm making fun of myself.

I think he'll be a great dad.

I think we're a perfect match.

Are you free later?

Let me be real with you. You can't fix your finances if you're running on 4 hours of garbage sleep every night. And I'm not talking about staying up late grinding. I'm talking about tossing and turning. overheating, waking up more tired than you went to bed. That used to be me until I tried eight sleep. Their Podfi system completely changed how I sleep. It's a smart cover that goes over your existing mattress, tracks your sleep, adjust the temperature of each side of the bed automatically throughout the night, and shows your sleep score backed by biometric data in the morning. No waking up in a sweat, no flipping the pillow 10 times, just actual rest. And look, if you're someone who's trying to get your life together, whether it's budgeting, side hustles, whatever, you need good sleep. Otherwise, you're running on fumes trying to make smart decisions. And right now, eight's giving $350 off the pod5 Ultra and $200 off the Pod 5 core. Just use code hammer at checkout and go to eightsleep.com/hammer. Again, that is 8sleep.com/hammer and use code hammer. This is one of the few upgrades I made that actually paid off. So, if you're serious about changing your life, start by getting some real sleep.

Waterburg. I'm going to consider that fun again. Bat City. Door Dash Curry. Well.

Oh, that Texas Curry place. That wasn't very good.

Texas Curry. Best Buy. We spent Well, that was only eight bucks. eBay, more Pokemons, 72 bucks there. Dick Sporting Goods. Best Buy 139. Bat City again 146. Best city. Is that.

Game shop? No, it's a game shop. Collectibles.

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

Great Outdoors is a a We bought a Fus plant or was a fiddle fig.

Thrilled. It was totally fitting in the budget.

Okay. All of a sudden like guys, it was a plant so it's okay.

Well, it's our dogs. It was necessary for.

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

Curtains are cheaper.

He'll tear them up.

It also blocks all the natural light. $103 for eBay. So, there's that. Door Dash Donut. Great. So, that was $9,141 spent. That is insane. And then City Limit Subaru 2773.

That was a new car that we bought.

That's a down payment for the.

On a credit card that is growing interest that we cannot pay off. Well done, guys. You really are unique. You really are special.

But we paid more cash.

Out of our savings.

That was one card. I'm going to die. Okay. So.

Mhm.

What's going on with this?

Uh.

At a 19% interest rate of death. What is this?

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

How the I know what order. Uh the balance is.

23.

$23,044.3. Uh so we took that uh it was a debt consolidation loan that we took out uh back early in our in our relationship. Uh the whole goal was to consolidate all of her debt under my name as well as consolidate some of the debt that I had from the divorce that I had gone through.

Why just your name specifically?

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

My debt was lower overall.

And now.

It's still low. She still doesn't have any debt under her name. So all you.

Yeah, it's all in me.

Jeez, for sake. Okay.

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

Yeah. Yeah.

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

Well, how do you feel to be attached to this?

It's stressful sometimes.

$23,044 at an 18.83% interest rate with a minimum monthly payment of $623.67. That's insane.

Yeah, it's stressful. But did you think you didn't think of the counter argument? What about Pokemon though? I mean that wasn't that was not a thing. It's only in the last like two months.

No, it just not something in thoughts whenever we took out this loan. That's all.

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

I I I tend to indulge more than I should.

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

The stress there's another there's this selfies $72,222. What the is this?

That's another debt consolidation loan.

Oh sake, guys. Why?

That was the recent one. It was.

Recent. So we had to do it again. Yeah.

Whose debt did we consolidate?

It was our debt that cover.

So you had debt.

Well, a lot of these expenditures.

Very little debt. Not too much.

When was this?

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

Yeah, let's take out a 13% personal loan for traveling at $70,000. I'm going to dump.

We took out the loan so that way we could lower the interest rate. We'd already spent the money poorly. Doesn't matter because then you're.

Spend the money poorly on 25% interest and then this one lowers the interest rate here.

Okay, then what did you consolidate the uh Navy Federal on this?

Uh no, the Navy Federal was not consolidated on that.

The Navy Federal was not consolidated.

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

MX card, Southwest Chase card.

Okay. Uh was it the Skylands?

Sky Miles. Yeah.

Still spending on that. And what was the other one? Uh, Southwest Chase for myself priority.

I see a balance of,647 coming up on a Southwest card. So great. Worked really well. Okay, we have a minimum monthly payment. This is crazy. $1,335.37. This is crazy. Did you just moan at me?

No, I just had to drink some water.

Boost that audio.

What? I'm not moaning at you.

Does he do that every time?

He makes little bear noises. Yeah.

That wasn't a bear. That was aing orgasm.

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

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

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

Mean, $70,000 $2,000 a month. Yeah. Roughly about 35 36 months.

Like minimum payment, but if we pay more.

Sure.

Well, no. Minimum's 13.

Yeah.

And.

We'll pay more.

I hope so. I certainly hope so. I mean, you guys, again, he spent $8,000 on [ __ ] fun on one card.

9,000. Sorry.

He got called out. Hopefully, he knows now.

I hope it wasn't 9,000, too. But yeah, we spent more than we should have on that card. Uh, and this is all part of our plan. Like, we'll pick.

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

It's a little bear noise.

Did I do it again?

Yeah.

Why do you call that a bear noise? It's.

No, I'm not even kidding. Boosted. That's I'm not even kidding. How's that a bear noise?

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

I don't know.

I just I link it all under bare noise.

Okay. What's up with this Visa Community First Platinum Rewards card? Uh I think so that's a card that hadn't been used in a long time and we started using it to kind of all of the honeymoon costs that we're going to have so that way I can keep of all the costs that are related to the honeymoon.

Oh yeah, great. Now minimum payments alone are going to be 15 years if you do minimum monthly payments. No purchasing which something will always pop up. Minimum monthly payment only $44 which is that's why it takes forever. balance is $2,18527.

We could pay that off in a month.

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

But we've been.

I could say a lot of things that I'm going to do.

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

Yeah, I hear you.

You understand the difference of when you then go build it back up again. Oh my, I'm going to die. Okay, eBay 132. Hey, guess what? More Pokemon.

We.

More Pokemon on your honeymoon card. He's But he's using it to track it, lady. He's using it to track it.

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

I don't know. I'm just telling you cuz you probably didn't know.

I No, I didn't know. But we spend on every one of our cards to keep it rotating to help our credit score.

Charters. What is this charter?

Yeah, that doesn't mean the boat.

Yeah, that's the.

That's a boat tour in Hawaii. An activity market. I think that's.

Equaabased company.

I don't know what all those are.

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

That's great. Acquisition Ace.

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

Oh, but he's using this to track his spending on the honeymoon.

So, business acquisition.

She knew about that. I told you that twice. I told her about that. She knows about that. It's not the purchase alone. You say you're using this credit card for the honeymoon stuff to traffic track it. But it's it's all other stuff except for one. And then Target 54. And then hey, guess what? Another $139 of Pokemons.

This we're at about 1300 of Pokemons so far this month.

This month?

Well, what the month we're reviewing over the course of July and August. All these align don't align the same way but.

1300 that could go towards debt could go towards whatever you guys want.

You doing well. So let's let's take a look more into these analytics.

It is a lot of money and I I've already like.

I acknowledge it. I told you about it. Yes, I wasn't honest about the full dollar amount, but it's something that I'm not happy about. It's something that I'm embarrassed about. It's something that has to not be spent anymore.

Why didn't you tell me it was that much? Because I'm embarrassed about it. I don't have a better answer for you.

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

I It doesn't excuse the behavior. But it's shame and guilt and embarrassment.

I think he'll learn. It's not three strikes. Okay, great. Yeah, that's what that's what this is going to be really productive.

Marriage is on three strikes. No, it's not.

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

How long have you guys been dating?

5 years.

Over 5 years.

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

No. Your life. No, no, no.

I know. But if we're going to use the same thing, it's like that's not the majority of your life.

Right? But we waited until we were in a good spot in our own lives. Yeah. To to start like dating seriously. Yeah. Yeah. I before him, I only had like one serious boyfriend. Then you cannot use that exc.

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

Because the exact Okay, that doesn't matter.

Marriage is not three strikes.

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

Well, he'll learn. So productive. It's going to go so well. What is this? Soft parenting your husband.

That's turned out well for an entire generation. Yeah, give him an iPad.

Yeah, give him an iPad. It's going to go really well.

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

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

I'll give you some cocoa lemon and you'll you'll wind down.

I don't think he understands.

I don't know what cocoa lemon is, so I have no idea.

Okay. Are you going to be a stay home mom when you have a kid?

I would love to, honestly.

Okay. So, that's going to immediately eat uh big chunk. I don't I don't think I'm going because I don't think we are in a financial spot to do it which is why we were looking at that like.

What is it business acquiring thing where.

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

And then.

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

Working remote as a main operator.

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

Have you guys ever ran a business?

My mom did.

I ran a business.

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

No.

I've run my own consulting firm before.

And.

And I didn't enjoy doing that work on my own. So I.

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

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

Uh-huh. How long did you do it?

I did it for about 8 months.

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

Maybe I mean I remember my mom working like.

What is it? Acquisition.com Hermosy's thing. No, it's.

Acquisition accep is something different. Yeah. Uh but heard of it kind of it it's.

What are you guys going to spend on a business?

No more.

Million dollar in debt. What are you going to spend on a business?

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

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

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

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

Yeah. But no, no. It's an unwise move if if the entire town is to keep her at home and you think this is the way to do it. Like that concerns me because I think you think it's gonna be easier.

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

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

Good luck. Let me know how it goes. Target. Target. Oh, here we go. Guess what? These are these next numbers I'm going to read are all Pokemons that I did not see yet. $54 $54 $324 $61 $102 $107. So we are uh,700,800 in Pokemons.

Are you serious?

Oh yes.

Oh yes he is. Tim.

I I have no words. I It's.

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

Do you want an unlimited year-long pass to your hobby?

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

I can't spend that. I I need to spend less. I'm concerned about the and maybe your therapist can work on this where it's like I think your version of resolving conversations is we're not uh we're no longer talking about it instead of actually achieving a productive ending because every time something comes up it's dude that's not okay he's like yeah it's not okay and then the conversation's ended which means it ne we never fix this in the future it just happens again and then you're like dude that's not okay and he's like you're right that's not okay and then it happens again then it happens again. It's like, what the.

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

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

I mean, I didn't realize.

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

I didn't realize the Pokemon was as bad as it is. I knew I knew it was a little out of hand, but I'm like I said, it was I thought it was 50 $75 out of hand, not thousands. I there's there's a a I'd say there's probably a bit of a a a gambling addiction element to this like because that's the whole fun of it, right? Like you you you get buy them, you open the packs and hopefully you get something big. And I.

Is he is he throwing out the word addiction for uh cope and sympathy or is there something real with this? Cuz with him I think he's really good with his word. I think he is very good at manipulating. Never I don't think it's ever been diagnosed, but he has told me from day one he has an addictive personality and I believe it and I see it and I also think it's a little bit of ADHD brain. So, not necessarily tism, but definitely neurode divergent.

There is tism. Oh.

Uh.

Yeah, I don't I don't deny that in the slightest.

But he will he will go ham into a new hobby or topic of interest and he'll just go go for like a couple of months and then he'll just dip.

Me too. I'm that same person. I'm that same person. Let's Someone typed addictive personality as a copout for bad behavior. Maybe. I mean, I would define myself as addictive personality, too. So, I don't necessarily agree with.

Well, it's not a You might be using it as a copout, but I have that similar thing. You know, we're both similar. We're both with our words. We're both combative for no reason. And we're both probably and we're both, you know, money obsessed and we're number obsessed. And we get addicted personalities and in hobbies. We get that. However, um, buddy, first of all, I'm 7 years younger and I have figured out that, uh-oh, maybe I shouldn't do this hobby right now because I will fall into it and it will be 100% my life and I will blow all the money to do it. I tell myself that. I moderate myself. Because if you're able to tell yourself you're an addictive personality, you know then not what not to do. Because you can no longer self-admit that you're an addictive personality but then just give into it because that's not how it works. If you're willing to accept it, then you going then you're just going down that addictive train on whatever the next thing is is you're just not giving a.

So obviously this card's not great. Spending not even close. 17% interest. Okay. Best Buy. What's going on with this? Oh, good. We spent $1,686. Like, hey, how do we spend more than we put on cards? Hey, but I I put more on cards. There's like it's nothing.

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

What the [ __ ].

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

Nibbling.

Nibbling.

So, I helped them purchase a laptop for their um for their fish conservation uh degree that they're working on uh starting this fall. I have a question, audience. I have a very gay LGBT gay man to my right named Colton. Hi, Colton. Nibbling's kind of, isn't it?

Look what he told me. I had no clue it existed.

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

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

Maybe not everything needs to be respected. They they needed a laptop for uh for school. Uh their department recommended a certain level of specs when it came to a laptop. Uh I worked with.

What major are they going into?

Fish conservation.

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

For them to be able to run models to be able to.

Also, by the way, why is it you doing it for a nibbling? like why aren't their parenting doing it for their own uh child bling?

So my I so I have a very close relationship with my sister and her kids. Uh I live with them for a few years and so I.

So it's still their kid.

That it is and I I decided that I wanted to help out like I wanted to help them be able.

Even though you're completely financially that's smart. Well, yeah, that's true. And so I chose to help them instead of prioritizing my uh financial goals. But I I remember going to college and being given all uh for my technology needs. Uh and I just didn't want them to have to go through the same struggles that I did. So.

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

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

I have.

Yep.

No.

Not that I'm aware of, but.

Well, now you're aware.

How much was the late fee?

30 bucks.

Okay.

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

Genuinely surprised on your credit. I uh I I highly dou It didn't probably hit as a missed payment, which is what would hit the credit. Late fee is more that he's just giving the bank more money.

If it was late for a long time, it would be a mispayment that would [ __ ] his credit.

Okay. Okay.

So, that's not our worry. But the worry is one disorganization indicative for the future. Two, he didn't evening know it until I'm saying it now. And three, it's costing him more money. It's costing you guys more money. It just means paying off the debt slower and slower. You ever try hiring someone? It's like online dating, but instead of getting ghosted after the first date, you're ghosted after reviewing 300 RS. You post the job, then sit back and wait and wait and eventually sort through a mountain of kind of may who either don't respond or already took another offer. Or worse, you find great candidates, but they're not even looking. So now you're just left at staring at a blank inbox. But the good news is the future of hiring looks much brighter because Zip Recruiter's latest tools and features help you speed up finding the right people for your roles. So you save valuable time. And now you can try Zip Recruiter for free at ziprecruiter.com/caleb. With their new tech, you can connect with qualified candidates in minutes. See someone good? Instantly unlock their contact info. And with over 320,000 new résumés added monthly, you're never short on options. Use Zip Recruiter and save time hiring four out of five employers who post on Ziprecruiter. Get a quality candidate within the first day. And if you go to ziprecruiter.com/caleb right now, you can try it for free. That is ziprecruiter.com/caleb. Ziprecruiter, the smartest way to hire. Um, listen, I mean.

I I recommend for people like you, again, it's like something like the Fizz card, debit card that builds credit. Like, that's fine. And you guys don't need it for your career. So, uh, gift it to [ __ ] uh, Nibbles. Mr. Mr. Mrs. Mrs. I can't say that either.

I always put Mr. Ms before things. Okay, so we have Southwest Rapids reward card. This is one that we consolidated at some point.

It's probably yours.

Yes.

Great. All right. Well, we purchased,723 after payment and stuff. A little back payment. We got $1,647.64 cents owed on it with a $40 payment. $153 of $159 of fees were added. Cash advance $154.

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

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

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

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

This is one of the costs that went over that we didn't have the cash for at the time. Don't do it. It's as easy as that. He also has Chad GBT on here. What's the Cane Center?

The Cane Center.

Oh, the K9 Center.

We're training for our dogs.

Training, training, training, training, training, training. Austin FC again, $1,229.

We're season holders. Season pass.

Holders. Dude, come on. As a guy myself, I mean, here's the thing. One, not that great. Is this the season we're getting season tickets to? I wouldn't say so.

And no, this is your annual membership fee, this one. But we've had $337 of fees this year. Oh, and there's the transaction fee as well.

Yeah. So, I mean, most of the charges on that card are just for the K9 center. Uh, we send our dogs there weekly for tutor and and recess, just a little like doggy daycare and.

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

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

PayPal credit. Well, what's going on with this? Uh, PayPal was one of the accounts that was consolidated on the second consolidation loan. It's really just like a a catch-all account for online.

$949.87 with a minimum monthly payment of $30. 5 years to pay this off. Got Apple bill. Apple bill. One was $359. Who knows that is Oh, good. Here comes another hobby. PlayStation dice legend.

Oh, that's just dice for my D and D group.

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

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

YouTube TV maybe. And Patreon membership.

Uh YouTube TV. Yeah. And then.

$61 on Patreon. What the [ __ ].

What do you have a Patreon for?

$61 too.

It's for uh.

Oh, Dan Carlin.

Yeah. For who?

Yeah. Dan Carlin. Hardcore History.

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

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

And we do three premium shows posted every single day for Hammer Elite, which is literally uh a sixth of that cost. Three premium shows posted every day, Monday through Friday. That's wonderful. What a use of money. $30.39. I mean, I appreciate supporting a creator. You can't afford it, don't do it now.

Amazon Chase card.

That's mine.

That's yours.

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

Who is?

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

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

$10 11 $25 10 months to pay off. Okay, it's all Amazon. There's also Animal Draft House, Prime Video. Prime Video Pool Burger. It's not even all Amazon. Of course, interest this year so far. We don't always pay it off. Pull. Someone pull up the Amazon. I don't have the app, but I can pull it up.

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

That was replaced my vape.

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

It's the game.

that we played when we met. The day that we met, he came over to play secret.

>> Nostalgic purchase. Don't die. We We enjoy playing board gaming. We enjoy playing board games.

>> Well, that's not a two person game. No, but our friends enjoy it, too. So, >> we enjoy hosting, having friends over, too.

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

>> Quick silver. What's going on with this card?

>> That's me. >> I pay it off every month down to zero on time. >> No interest is acred this year. Okay. Yeah, I'll I'll cross that off. Okay. But it was still $414 of purchases. I could have gone with paying off that. And it's Marshalls. It's Almo Draft House. It's Fetty. And it's Fetty.

>> I think I get points for ride shares. So, >> wonderful. Great. We're spending money we don't have. I'm thrilled. Southwest Rapid Rewards.

>> That's mine also.

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

>> I don't know.

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

>> Probably annual. I can check.

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

>> It shouldn't be a late fee. I've never been late on any of my

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

>> We just go out and have a good time.

>> That is his first day. You did not have to tell me.

>> Sometimes we're really tired and we don't want to cook and we Yeah, yeah, a little boohoo. Yeah, we're >> meal prep. You tit.

>> We No. I like fresh food and I don't like leftovers more than like 2 days.

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

>> I don't know what those charges are.

>> Mythical store. Like GMM.

>> Oh, yeah. Yeah. Yeah. Good. Mythical warning.

>> Hey, listen. They're doing very well. You're dying in debt. What are we doing? Almo, Draft House, Domino's, Liquor Store, Dash Pash, Ladybird Society, Ladybird Society. That's yogurt. yoga lock combine summer moon coffee Alamo and Space Goblin again. So there we go. Add 1516 to the to the Pokemon. A lot of interest has accured this year so far. So but this is $32 and then this is paid off. So what the what are we doing? What are we doing? This is just soing moronic. Did you find out was it an annual fee?

>> No,

>> it was late fees.

>> No, I don't know. I just

>> It was late fees.

>> No, I don't No, I don't.

>> If it's not annual, then it probably was.

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

>> I think it's too late fees.

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

>> What's the card specifically? What's the card?

>> Southwest Rapid Rewards.

>> Um,

>> Southwest Plus.

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

>> probably zero. I I pay off all my cards down to zero.

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

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

>> There's so much good mac and cheese here and you went to Golden Corral. Very disappointing. Yeah, we're never going back. I just learned mac and cheese, mashed potatoes, and a dinner roll.

>> The mac and cheese pizza from Cece's is better.

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

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

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

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

>> Yes, it is.

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

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

>> I really got you.

>> We >> $43,900.84. What's the I needed a new car. What was going on?

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

>> Oh, I wouldn't. It just got me from A to B. It was the only purpose of it. Uh but it wasn't sustainable.

>> I know. Usually a $2,000 hour car though, A2B is still going to cost money to keep it going. You know,

>> uh it cost me $1,000 to buy and then I've spent $600 on like just like brakes and and

>> proof that it can happen, guys.

>> Even still today.

>> But then our available if anybody wants

>> usually do like 5,000 for beers when recommended these days.

>> Our dog chewed up the deed, though, so it's not just sitting. Oh, that's fine.

>> I had to go get two titles. It takes you just mail in.

>> The the title is in New Jersey, though, so

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

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

>> Okay. Here's Department of Education who has 53,927.

>> That might be me.

>> Insane.

>> What degree did you get?

>> Psychology, bachelor's.

>> 12. Okay. What's your minimum monthly

>> of payment?

>> Right now, she's not making any payments on anything.

>> Why?

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

>> loans, which obviously didn't. So,

>> well, and then COVID hit and uh I think Biden stopped all college payments um college payments. They were deferred and then I got out of it and they just haven't started back up. I check it every month.

>> They're still in deferment until November 30th.

>> Yeah. Just now.

>> And then you're going to pay.

>> Mhm.

>> Okay. Your minimum payment is going to be likely about 600 bucks.

>> So much. That's so much money.

>> You borrowed it. Okay. Is this

>> I think it's all part of hers still.

>> All part of hers.

>> Is this yours or hers? Still

>> I don't know.

>> I'm not sure. You can't get a statement from them. So, it's only like screenshots. Okay. Yours. probably at

>> 43,000 or so.

>> Okay. Do you have a minimum yet?

>> Uh I've been paying roughly $86. No, about $1,000 a month.

>> That's not your minimum.

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

>> I wouldn't do more than the minimum for your student. Well, you have high interest debt. That doesn't make any sense to me. Your minimum is likely going to be about 500 bucks.

>> It's more than that. It was 860 last time I had

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

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

>> What is that? That's my second loan. That's my state loan.

>> What do you owe on that total?

>> Like 3,000.

>> Okay. What's your minimum there?

>> 165 a month.

>> Okay. This is insane. Ally 262.

>> That's our checking and savings account.

>> Such a low balance for your guys' income. It's so dangerous. Wine levy to Austin FC. Great. Uh Austin FC or Austin FC I think. And Wonderlust Wine again. They're just spending so much on bull. What is Levy? Is that

>> That's the vendor at the stadium. Okay.

>> So when you buy something at the stadium, that's what they

>> Austin FC, Austin FC, Central Machine Works, Los Dant Donszantes.

>> Los Dantes.

>> Oh, it's a really It's like the best birya in Austin.

>> Best what? BDS

>> birya. Birya.

>> What did you just call me?

>> A birya. A birya. It's like a It's a Mexican like stewed pork and they give you a little cons on the side.

>> I love stew when it's 100° outside. Hop squad Brewing. Go fund me. What the

>> That was for the uh

>> fund youring future kid, dude.

>> It was for the kid. You You donated to a kid.

>> Oh. Uh

>> you guys have no ability to not spend.

>> He just became an orphan.

>> Sucks for him. I'm sorry. No, I'm kidding.

>> No, that is really hard. But again, you know how much money you could give in the history of your lives if you got out of debt, had a fully funed emergency fund, low risk over your head, you could allocate so much money to giving on a monthly basis. You doing little giving, lots of fun, is preventing you from giving more. You could find an orphan in a few years if you actually buckle down and pay this off and you could give them a incredible lump sum of money. It's awesome.

>> But you're preventing from getting yourself there to actually help more people.

>> Well, that's what we're working on. No, you're not. Zeling out $125. Z $250 $258 $86 no Junior's Comics. Great. Target, Ladybird Society, selling on Money, Chick-fil-A, uh some restaurant on South Lamar, Uber Eats, Uber Eats, Starbucks. Do you guys not eat out ever?

>> Yes, we sense when

>> we Well, we go and get groceries from the farmers market and then we cook at home

>> whenever we have energy. I that doesn't that math is not working. Getting some bevies, Eagle Farm restaurant, Malaka Creations, Animal Draft House, Austin Wild Flowers, Shark Tail Creek, Addiction, Stoke,

>> Yappa, Artisan, Empiñatas.

>> Those are all vendors from the farmers market.

>> That's wonderful. Great. You spent a ton of money at the Venice Market when you're supposed to get groceries. Um, I mean, I know empanadas were not groceries. I know for a fact. Okay. PayPal now $269. La Mexicana Venmo out $100. Uber Eats Venmo out $50.

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

>> Ven out $120. What are you working out every What the You're out.

>> I have a trainer. I have a trainer who comes and trains me.

>> Venom out $50. Venom out $250. Ninja sketch. You might not be able to afford it. You are going to have to choose what you guys want and what you don't want. Cuz right now we have about 15 things we're paying for endlessly just reoccurring forever. You are going to need to make some sacrifices. Ven out 50 ATM withdraw especially if you get this is not a good market.

>> For what?

>> For what?

>> Tech right now. I don't know what you're in specifically.

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

>> What is it?

>> I work in data management and data analytics.

>> Mhm.

>> Uh Bleep it. Bleep it. What company? So I work I work as I work as the data

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

>> I agree that no one I think no one's immune right. Uh, but

>> especially in your sector right now.

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

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

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

>> I know. But imagine if that occurred. You're the big chunk of the household. What? Like three4s of the income. And look at this situation. What would we do? Uh, okay. Anti $33.

>> Sure. Tail Creek, Rar Righteous Greens, Better Day Garden, Wolf Dog Treats,

>> Farmers Market.

>> Yeah, I recognize some of these. Is this the Mueller one?

>> Uh, Sunset Valley.

>> No, you should go to the Mueller one. It's nicer. Enterprises, Texas Food Ranch, Michaela Creations, Simple Promise, Regels, Rachel's Regels, Dome Mama,

>> BC FM, Sourdough,

>> Big Brazo, Stoke,

>> HiFi waxing. All right. Well, I know you guys are working to get a baby, huh?

>> Hi-fi waxing.

>> Going in nice and clean.

>> Yeah, you're waxing crescent.

>> Yeah,

>> my eyebrows.

>> Oh,

>> yeah. Is that for the wedding?

>> Yeah.

>> Yeah.

>> Venmo. Venmo. PayPal. Venmo. Los Danzantes. Los Danzantes. Los Wendy's. American. The American Statesman. He p He pays for the declining paper. American.

>> Pay for it. No, she insists on paying for it.

>> Oh, I need to cancel that.

>> You need to cancel that.

>> I've said that for months.

>> They don't really do much. Ladybirds. No, actually, they're fine. Actually, techn I I am subscribed to them. I'll be honest. You guys just can't afford it. I was me them for no reason. High fivei short tail creations out money. Venuing out money. Levi Austin FC Hop Squad Brewing going in some BS. Elmo Draft House Taco Deli and Google Fiber. Google Fiber is fine. That's internet. But this is crazy. $9 in this Alli savings account. That's wonderful. Uh okay. Checking and see. Well, no. Checking in this account. 340 and then 75 in savings. Uh Apple bill. Hamburgers. Water burger. Apple bill. Apple bill. This ising crazy. 34 in this. Nothing. Nothing. $55,000 in this

>> retirement. Retirement. Whose retirement?

>> It depends on the account. I don't

>> $55,000

>> might be mine.

>> Hers, I think.

>> Uh, Fidelity. Is it TransUnion? Like, uh,

>> let's see. This is Fidelity.

>> It's hers. Okay.

>> Then 75. And this Fidelity. That's mine.

>> Okay. That's

>> those are residual accounts from uh uh stock that I got from startups that I work at. So, there's nothing in it. It's just like $20.

>> $25,000 on this.

>> No, $25, I believe.

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

>> That's mine.

>> Okay.

>> Uh well, your entire in uh what's your guys' What's your gross income?

>> Gross.

>> 350.

>> Yeah. 3 325. 325 in yours gross?

>> No, that's as a household at 325.

>> Oh, 325 as a household. Okay. You guys should approximately be at retirement total combined about $500,000. So, you guys are certainly behind by about a fifth. So,

>> yeah.

>> Yeah.

>> Yeah.

>> Now, I know that makes it even harder. It's like that's so much money, but it scales with your income in terms of where you should be at if you want to maintain the lifestyle you have now by retirement. So, your retirement score is not going to be perfect,

>> right?

>> And like I mean that would be great for uh that would be perfect for someone your age making, you know, $100,000 a year. Like they would be killing it. They would be beyond killing it. well beyond their goal cuz you guys are at total retirement looks like 166,000 like if someone made 166,000 or no if someone made uh

>> I mean yeah you know what I'm saying

>> yeah we're just it scales with your income

>> because it comes down to maintaining lifestyle at that point

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

>> I think we'll surprise you.

>> Okay, come back on the follow-up channel and prove it. I'm just looking at literally what you do right now in front of me. I And none of these are a mortgage. Okay. Okay. 36741 plus $62367 plus 100 uh $1,335.37 plus $44 plus $29 plus $40 plus $30 plus $25 plus $646.14 plus $600 plus $860 plus $165. Especially when those student loan payments start back up. Your minimum monthly payments to survive are $4,7659. The other car does not have a loan on it.

>> What other car?

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

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

>> 2650.

>> It's okay for your income.

>> Utilities including internet all combined?

>> Uh 350.

>> Gas room vroom. Drive. Both of you

>> kind $200 a month.

>> Yeah.

>> 250 to be safe.

>> Car insurance.

>> Uh, we paid a month. We paid 6 months at a time.

>> How much every six months?

>> 1600.

>> Okay. $267. Phone bill.

>> Uh, $220.

>> Yo, why?

>> New phones.

>> You financing them

>> for hers? Yeah.

>> T-Mo I use T-Mobile here, so it's good.

>> Mhm.

>> Same coverage for Helium is like literally $40 a month for the both of you combined. If you want to do a budget option, that's really good. Yeah, this is one of those third party carriers kind of like uh Mint and those other ones that just use the same towers, same service, but they do it on the cheap.

>> Um, okay. Food. I mean, we could I don't even need to do 600. Like, listen. Oh, let's see how I can work your budget. 600 for groceries, let's say. But I'm going to say eating out. This is how crazy this is, guys. I'm going to say eating out $500. Let's see what happens. TP fund. This is anything else you need to survive. $200. And I'm going to say fund spending $200. Medical, healthcare, co-pays, anything. Let's

>> uh Yeah, under my insurance, but co-pay is like $25.

>> How often?

>> Uh once a quarter.

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

>> $50 a session.

>> And how many sessions a month?

>> Two a week. So, eight a month. 400 a month.

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

>> Uh $60 the subscription for the total machine that we have.

>> Okay. So, 460 bucks subscriptions. I'll call it 50 bucks. Go crazy. You have a pet?

>> Mhm.

>> We have two pets. Two dogs.

>> Two dogs. Ages and health.

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

>> Okay, let's call it pet insurance. 120 bucks. Dog food, how much?

>> Uh $100 a month. Yeah.

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

>> Oh gosh.

>> It's about $400 a month.

>> Yeah, that's pretty crazy. All right, let's see where this lands us,

>> guys. If you didn't have your minimum monthly payments on all this that the life, it's insane. You could have so much fun now. I'm dramatically concerned that you don't have a fully funed emergency button. Like, it makes no sense.

>> Hey, you got tapped out for the wedding. That's not an emergency.

>> And then I got tapped out for a honeymoon.

>> That's not an emergency, [ __ ]

>> It's going to be a good time though.

>> Certainly will be. It won't be when you get laid off and you don't have a [ __ ] income.

>> I mean, knock on wood.

>> Knock on wood. I hope you don't. Obviously. 1,00 $11,15759 is what you need to survive with the fund I'm giving you. So, off that gives you literally

>> $4,000 and

>> Yeah. Well, no. So, according to your 1,800 net, $6,842. Let's round it for Wiggles. 6,500 left. Student loans, that'd be minimum payment until they're paid off. So, what does that leave us with? You can go highest interest or smallest balance, whatever method works for you. I don't really care. Actually,

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

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

>> Avalanche being highest interest for us.

>> Yeah. But

>> how much quicker depends on the situation. A lot of the times it's really not there.

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

>> Yeah. Now, minusing the student loans brings us to 168,000. But I'm also going to minus the car because we can minimize the payment until that's paid off at that interest rate. So, immediate debt to pay off is $124,16255 with $6,500. God, dude, the Come on. It's less than 2 years. It's a year and a half and get an emergency fund. This is so easy. And I gave you more fun than I've ever given anyone. I don't want to hear this. This is baby.

>> I told you you could do it in two years.

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

>> Yeah, that budget doesn't include uh having uh someone come clean the house.

>> No, I gave you guys fund spending of 500. Allocate that how you wish. TP fund. No, sorry. 200 for fun. 500 for going out to eat. $200 for your TP fund. You can allocate that. Maybe do like a bi-weekly cleaning or something. I don't know. 400 for I gave you guys so much. I've given you guys more than anyone's ever gotten. Join us in the post show. We'll bring in the producers. We'll talk about that. There's always things that come up. It's the best membership on YouTube. Hammer elite by far. Let's get this hammer financial score. Spending a budget. You overspent. We figured out how. Zero out of 10. You were confused. I don't know how. Z uh debt. I mean, the debt is really bad. You guys can just get out of it. There's no collections. Going to save for your income technically. Two out of 10. Emergency funds somehow. Nothing cuz emergencies of Hawaii. Retirement. Yeah, you're at a three out of 10 there. The math we were doing. Real estate 0 out of 10, but you'll get there eventually. I mean, that's a hammer financial score, right? Am I I don't I want to confirm. Yeah. One out of 10.

>> 10. He was right. He nailed it. First thing you got right all episode. Just kidding. Join us for the post show, guys. Join Hammer Elite. Click the join button now. I'll see you there.

>> My dad lives in Mexico and my sisters and I send him money every month.

>> Um,

>> how much money are you sending him? It's not that bad.

>> You're still doing that

>> less than your Pokémon.

>> Did we agree not to do that?

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

>> I thought it was like a onetime thing for like 6 months. You're doing this every month. We already have

>> once your parents need help and I need help.

>> Okay. Well, my dad does need help.

>> Okay.

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