Gen-Z Girl Going Into Debt To Bang Boomers | Financial Audit

My now boyfriend lives with me. Okay. Why? Why isn't he contributing to rent if he's living there? He had burnt himself out. Take a little bit of time. Take 42. It is a little weird that a 40-year-old's not working. I kept hoping that he was going to get his stuff together, but is that not red flags to you? The fact that he's not willing to do anything?

No. Hi, I'm Leah. I'm 25. I live in Dallas, Texas, and this is Financial Audit. Thanks for coming down to Austin. What do you do up in Dallas for a living? I am a lead funeral director at a modest-sized funeral home owned by a larger corporation. You touching the bodies? What do a lead? A little bit of both. We have kind of a unique situation where we don't do all of the scientific mortuary part of things, but I do get all of our folks dressed. I do hair and makeup. Folks dressed. The, the no longer existing folks. Yes. Oh, yes. So get dressed, do hair and makeup, get them in caskets and ready to go. Got to be nice and cute for your funeral. Yes. Yeah. Okay. How much do you make in this? Right now, I make something like 2160. I don't know. It was 21. And then I. What's your hourly? Is that what you're saying? Or 2100? Oh, $21. I think it's 60 something cents was my raise this year. You started at 21 and then you got up 60 cents for being a director. Okay. Um, how many hours a week do you work? Minimum 40. Minimum 40. And is there overtime? Technically, not supposed to get overtime because corporate doesn't like overtime. Oh, it's a big corporate. Okay. So it's not like a small operation. Okay. If I ever, uh, have a little, uh, death in my young age, can you make sure I look absolutely gorgeous in my casket? Absolutely. Yeah. We'll stream it on YouTube for everyone, so you got to make me look pretty. Sure. Thank you.

Okay, well, let me see here then. So I had income, payroll, $2,559. Does that sound about right for monthly? Mhm. Hitting within the most recent month? Yeah. Okay. So with that, what did you spend? What was your number? $2,559 came in. What did you spend? No idea. That always stumps people, which is interesting, 'cause we've been asking it for a while. So what do you think? Yes. Well, I know there was at least about, what, 14 on rent and utilities. So 14. Your rent's 14? My rent is, it's expensive for you. 1,234. Most of the time, $1,234 was like the average, I want to say. Pretty expensive for your income. Yeah. Working overtime? Well, why do you live in such an expensive place? That's 48% of your net. So I would was really rushed on finding somewhere. And by who? Yourself. Situation. What, uh, because I was living in a house, renting a house with my ex-husband, and our lease was up in December. 25. Wow. Okay. And I needed somewhere to go. Was this last year? Yeah. Very end of last year. What was so rushing about it? Was it getting sketch or like what was happening? The lease was up and I couldn't afford to pay for the house alone. Well, the lease was going to be up regardless. You guys just. When do you guys know you're ending things? November. Wait, that doesn't make sense. You said it ended it in September. December. Oh, December. So you had a month about. Mhm. Okay. People find apartments in a month. You look like, if you look crazy. This. I'm sure. I'm sure life was crazy through the divorce and everything, but I've found many rents for myself within a month's time, a few weeks' time. You know, I thought you were talking like a week, 'cause that would be rushed, but it was like the application process is usually pretty damn quick. And it was, but at the same time, it was the first time I. This is the first time I've lived on my own on my own. And making sure that single young woman in Dallas, there's a lot of Dallas that you don't want to live in and be a single young woman alone. Do you know the areas for the most part? Well, there you go. Then you know to avoid them. So, but at the same time, Dallas is expensive. I don't know what the average rent is, but in general, Dallas is expensive. And my biggest. How many bedrooms in your place currently? One bed, one bath. Yes. Washer dryer hookups was my biggest thing. I assume that comes in most in a, uh, well, depending where you're living, the hookups. Mhm. In a, in a place like Dallas, where it's this big urban sprawl, 'cause I know more density is less likely. No, they want, or a lot of the places don't have hookups. They want you to use their laundry facilities. Oh, in, in apartment facilities. Okay. Well, okay. I was thinking more like having to leave and go to like a laundry mat, 'cause that's a lot less rare today. Uh, well, yeah, the median rent in Dallas for one bed, one bath is $1,258. So you're certainly well above that. Even if the upper echelon of $1,400, you're even above that. So I think, I mean, you're probably, you're probably pretty picky about what you're looking for.

So how long were you married? November of '21 through December of '23. Okay. That's pretty quick. What happened? A lot of me saying, "Okay, I'll be happy when. I'll be happy when. I'll be happy when." Okay. What was the "when"? And what first "when" was, "I'll be happy when I graduate mortuary school." "I'll be happy when we get engaged." "I'll be happy when we get married." Why are you not happy? Stressed. I could. I was so very stressed. What were you stressed about? A lot of it was finances. A lot of it is general security. I grew up not like physical safety and security, but a lot of it, a lot of financial, a lot of long-term plan. Because I'm the kind of person that I need some kind of plan. I need some kind of direction. And I kept hoping that he was going to get, get his stuff together. And at the time that it was the perfect opportunity for him to get his stuff together, he had everything laid out in front of him, and he was taking it, but leaving me behind. All. Okay. Was this a big dramatic ending? Dramatic as nobody else saw it coming, but it was not like a knockout out brawl. It was, he had seen me pulling away. And I just. You still, even with a month, I mean, you got an apartment that was more, well, more than the median in Dallas and obviously more than you could afford because it was 49, 48% of your net income. Are, are you, is it just you there right now? I'm the only one who's supporting it financially. What does that mean? Is there someone else there? My now boyfriend lives with me. Okay. Okay. Why? Why isn't he contributing to rent if he's living there? So he moved down from Indiana. And when he moved down, it was with the intentions of, he had burnt himself out and just take a little bit of time, take a break. 42. Okay. You know, I don't give. Listen, there's, there's a, there's a natural shock that comes with it, but it's honestly because of Twitter. They've, they've made everything sound so stream. You're an adult. I don't give a. This is, I, I must be Twitter brained, like where I have to have a reaction to everything about everyone's adult choices. Whatever. Okay. You live your life. I don't give a. But he moved down here, he with the intention of he was going to take a little bit of break before figuring out, you know, what he was going to do down here. It was a little weird that a 40-year-old's not working, but it was. We knew that was going to happen. We knew that was going to happen. Okay. How long has he been here? End of April. Okay. How long did we agree he would not be working? There was not necessarily like an agreement, but there is the factor that beginning of July, uh, I ended up having to take him to the emergency room because what we thought was like really bad flu, maybe pneumonia at the worst, turned out to be a mass in his chest. So emergency room was like, "Okay, cool. We can't do anything for for you right now. Go see a doctor." We tried to get in to see a doctor. And then at the very end of July, he ended up in ICU for the, or excuse me, very. Does he have health insurance? No. Why? Because his previous job didn't offer health insurance. Doesn't matter if he got laid off or something. Did he quit? He, he quit to move down here. He probably could have got on the healthcare exchange. It's like zero bucks a month. It's not something I have any knowledge about. It wasn't worth Googling. "How do I get health insurance? I have none. Help me. I die." Uh, I think I thought of it more as, well, him, well, like says, it's not your responsibility. That was kind of my thought process. Was it's not my responsibility. I let him handle. So how's he doing today? He's doing better. So he ended up in the hospital for the entirety of July, basically. Um, and currently, we're still waiting on results. So right now, he's in the process of applying for Social Security. You meet online through what? Just a website? What I prefer not to answer. Oh, come on. No, fine. You don't have to. But they were curious. Like a sugar daddy, sugar baby site? Okay. Just 'cause, you know, the gap's a bit big. Again, like, I don't give a. You live your life. But it's, it's an interesting thing that. So I wouldn't, it wouldn't draw as many red flags if you got met and you just started dating and it went about there. But met online on a website, dude quit his job, moved down here, hasn't contributed in any way whatsoever, immediately has health concerns. It's just like, I know it sounds. Are you into old dead men? 'Cause you see them orc every day? No. The joke has been made many a times. Oh, I'm sure. Uh, no, it was all happenstance. But is that not red flags to you? The fact that he's not willing to do anything? What was his job? He was working at a restaurant, and he was burnt out from a restaurant. It's not like that. Food service is a pain. I get it. But it's less that mental strain. Still, it's just more, it's more physical beat down. And there is a lot of mental strain that comes with, especially in certain positions. So don't get me wrong. A lot of it was that plus the struggle of everything. What was the struggle of everything? Lots of vague things being thrown around. He has had a lot of adversity that he's had to deal with. Again, lots of very vague things. But so when he moved to Indiana, he moved from Alaska. When he moved from Alaska, he didn't have a car, and that was fine for a while. And then COVID hit. His license expired. And first of all, who moves to Indiana? If they're moving somewhere? A friend had a place that he was, was willing to host him. No, I just liked Indiana because I lived an hour from there. That's okay. His friends still live in Indiana, and we definitely still talk a lot of about Indiana, as you should. Um, but he was fine doing fine without a car, but just what he was making, what he was being offered hours at work, and his expenses. But why couldn't he work down here even part-time? That's. Is right now, I'm just thinking about you. And when I see someone with red flags surrounding them, potentially leeching, it's just like, I'm not, we can't get there conclusively, but it does make me a bit nervous for you. And I don't want you to be in a position that's. And if it weren't for the fact that he's the only thing stopping him from looking for work right now is the medical stuff, and the fact that he's currently in the application process for Social Security and disability because of the medical stuff. Because of the medical stuff, he. What is he not? Is he able to move right now? Kind of. Kind of. Okay. So he's very short of breath still. Um, I mean, he's still healing from having three giant tubes coming out of his chest. No. Sure. Sure. Um, that makes sense. I mean, but again, he came down here and didn't work. I'd get it if something medical like this happened and then he can't work. That's different. And it wasn't when he got down here. It wasn't that he couldn't work. We had the agreement that he was going to stay home for a while. Well, no, I get that. I get that. Yeah. It's not like he came down and refused to work, but it's like he came down with the intention of not working. Okay. Okay. Um, how long were you guys talking before he moved down? December. So I went up to visit him for the first time. Red flags just keep popping up, dude. I'm sorry. Sorry. That's not to be insulting to you. Like, legitimately, there are concerns. Um, okay. I know I've, I've heard it all, trust me. I'm sure. 'Cause, uh, there was definitely a big to-do when I went up to visit him for the first time, and there was a lot of, uh, pushback from my family in regards to me driving up to Indiana to meet a stranger. But he is confirmed single. Right? Yes. Okay. Well, we should obviously get into the finances a bit, but this is certainly obviously dramatically, dramatically affecting it because medical, you take care of food, you take care of everything. You're taking care of rent, but you're even just the, the roof of the head is 8% of your net. So wow. And going into that rent, the base rent, like when you look up what's the rent for this apartment is $1,500. Mhm. It's the utilities. It's the, you may have gotten a top floor, bottom floor, middle. Well, which one's the most expensive? I forgot. Either top, bottom. Is it? Yeah, 'cause that was the other option that they gave me. Um, so it's just like fees and 'cause I've got like valet trash that, yeah, yeah, yeah. And then like one of my dogs is on pet rent. The other dog's not. Doesn't have to do pet rent. Okay. Well, self-assess. What do you think your finances are? Zero to 10. Zero being the absolute worst, 10 being the absolute best. I definitely don't think they're the worst. Um, because I could be, you know, settled with like student loans and things like that. It could be a lot worse. But I know, especially with the way I feel about my finances, that it's not great. Do you have a number by chance? A five. Traveling. The biggest things we want to avoid are spending long hours waiting in line and getting scammed. So waste of time and hard-earned money. That's where today's sponsor comes in. Simo is a global eSIM service that makes getting mobile data on your trips a breeze. With Simo, you only need to download the eSIM once and then no more switching for each country you visit and no more spending on local SIM cards and mobile data coverage you'll probably only use once. If you're using iOS or Android, Simo has you covered. I personally recommend Simo because of their 24/7 chat support. With the type of work I do, I need to stay connected most of the time, and if I ever run into problems, they can fix it and help make the most out of my money. You can also get a full refund if your device isn't eSIM compatible. And getting started is simple. Just go to my link in the description below or go to simo.com/hammer and download the app. Register, select your country, and choose the 1 GB plan at checkout. Enter promo code Caleb Hammer to get one gigabyte for free. The first 5,000 people to sign up with my link get the free 1 gigabit data plan, so don't miss out. Again, just click the link in the description below and use code Caleb Hammer to get 1 gigabyte for free. Okay. Middle of the road. Yeah. You think you're middle of the road. Okay. If you want your Hammer Financial score, it is free. Link in the description below. Also, give our guest Leah, Leah, Leah, they all use fake names, so but it reads like Leah, some love for being on it. Give them some love 'cause they're brave enough for being on the show. And if you want to be on the show and have a fake name as well, and you have an interesting story, interesting finances, apply CalebHammer.com/apply. All right, ma'am. Well, you, uh, date a large numbered individual, so you have large numbered debts as well. Okay. Debts were there before he got here, unfortunately. I did. Okay. Well, then the Discover it. Let me go. Let me say what the debt is, and then I want to hear what the behind it. Gladly. Discover it. This your first credit card? It's a lot of people's first credit card. Okay. Discover it at $835.329 with a minimum payment of $203, which is insane for your situation. To be clear, insane for your situation. Um, why are you purchasing on it? Well, probably because half your money goes to rent, so you need to spend. I don't know how you're living. Actually, to be clear. Oh, you give yourself a five. Great. $182 interest is growing. You made the minimum monthly payment, but it doesn't matter. You went to purchase $512. So whatever progress we were making, if any, which we barely were with the interest and everything, 'cause the interest is only $3 less than your payment. Medical City. That was Medical City. Medical City. Medical City. Four Medical Cities. $4 vending machines. Mm-hmm. Parking. What? What are you doing? Oh, oh, it was F. It was five. Four days in a row. Well, he was in the hospital. That was just on that card. I was there every day. Is this while he was in the hospital? Oh, okay. I am eternally frustrated with how much money I had to spend to go up there and see him. Not his fault, but just the fact that the medical system is charging $4 a night for families that are there visiting their loved ones. I get. And just a side note, they also charge their employees. I don't know if it's the same amount, but charge their employees to park to go to work. Oh, are we sure that the hospital one? Is it a public hospital? Two, is the parking lot one by the city? Because again, it gets really complicated when it comes to city stuff because parking takes up so much space that can be utilized to other things that free parking everywhere would be essentially subsidized by the taxpayers and not utilizing it for profit-making motives. 'Cause all the parking that's used in cities could be profit in tax-generating things like restaurants and things. So charging money for parking, as much as we all hate it, it being free would essentially be subsidized parking being paid for on behalf of taxpayers instead of the individuals who are using car storage in public spaces, essentially. But at a hospital, I definitely get it. I definitely get it. It's luckily it's only four bucks. Four bucks for a night isn't horrendous. No. Uh, but it is annoying. I get it, especially in a life or death situation. That's where we obviously wouldn't want it. It's a. I would think more that it would be, um, uh, waived, uh, validated. I'm surprised it's not validated. Okay. That sucks. That sucks. Microsoft Store, $18. That would be for his Xbox. The Xbox? Why on a credit card that we can't pay off that's only accruing interest? Because otherwise it would be going on the debit card, which or otherwise don't get it. What? What are you talking about? We don't have to get it if we can't afford to live. You can't afford to live. What do you mean? What Xbox? The subscription is Game Pass. Yes. Game Pass. He can't afford to live, but he refused to work for months while he was down here. Sonic Drive-In, DoorDash, Chubby, or DoorDash and whatever that is. The restaurant? No, I, yeah, I assume from DoorDash. Um, okay. Another Microsoft Xbox bill, $816. Oh, we don't even know. But it's going on our card, and it's just continuing to go up. CVS Pharmacy, $206. What happened there? That one would be, uh, after he got out of the hospital, that would be his medications that he got put on post-hospital. We need to get him on some kind of health insurance like now. You can't be turned away for pre-existing medical conditions at this point. So he should get on. You need to go to just the exchanges, and he, since he's not married or anything, then dude, I really think he could be on something where it's like zero bucks a month. It'll affect his tax base. Now they're trying to get him on Medicare to help erase the ridiculous amount of medical bills that occurred from the month in the hospital. They've already. It was in for a whole month. Wow. Mhm. Wow. And they've already. One of his ER visits, they've taken care of with their. I don't know what to call it, but their. I can't think of what it's called. Okay. That's okay. But I don't like the Sonic and the DoorDash and the Microsoft Store and then the other Xbox. So there's two Xbox things. 'Cause we're sitting at a 26.24% interest rate, so it's just like, what's even the point at that point? You know, you're not a credit card person. You're, you, you're not able to utilize credit cards. Anytime you have access to money, you just spend it. This is clear. You can't manage this. It's only going up. If you ever get a credit card, it needs to be a charge card like Fizz card, Money, where, uh, cards where it forces you to pay it back by the end of the month, or you can only spend the balance that you put on it by putting money in. Like, you cannot have access to these unlimited money cards. You can't. You're just not responsible enough for it. And that's okay. But if we recognize it, you can protect yourself.

Okay, this is a huge one. The interest rate is lower, but it's still a death. 14.29%. Is this medical? No. This wouldn't be. No, this is entirely, um, this is my name only. What is it though? This, if I'm not mistaken, is the RV. Is it not RV? What? Do you have an RV for? I have an RV in name only. It is my mother's permanent residence. Oh, she, she puts all. She takes care of the payment. That's. Yeah. But what happens if she doesn't? It's on you. The only way she doesn't is if she kicks the bucket. Her finances are mine. Which I don't root for, but obviously it's something that happens. No. And we've discussed that the moment. And also, what if she loses all her money somehow? Then, if something like that were to happen, then I've got a whole lot of other issues under my belt of, well, what am I? Her. I'm her person. I'm her only person. Oh, okay. So your dad's not in the picture? Not when it comes to my mom. Yeah. Sure. And you're the only kid? Her only kid. She shouldn't have to rely on you though. She hasn't made the sacrifices throughout life necessary to be able to be independent. She definitely has. It's so, like I said, this is in. You mean if things go to. She have to R. This is only 'cause she makes her. She have enough to retire. How old is she? She just turned 60. Okay. What's her retirement situation? She is, uh, 100% or no? No, no, no. Not 100%. Uh, she's a disabled veteran. So she's currently living off of her, uh, disability, Social Security, VA disability. That's her income. Yeah. All that added together could be pretty chunky, depending. Is she 100% disabled? Very close, if not 100%. I know she was fighting for 100. Why is she living in an RV? Choice. Okay. Sure. Um, no, last I checked, um, when she was doing her rundown of all that, she made, um, she was bringing in more a month than I am. Yeah. Yeah. I mean, you stack all those up. Absolutely. Okay. So what makes me nervous is, I'm glad she's paying for it because it's disgusting, but if something happens, $70,000 on your plate at 14.29% interest. That's an insane number. Insane number for your financial situation. Especially. Can we do anything for her to borrow this money or refinance the loan and get you off? So, like, why have the risk there? The biggest, the, like, what's her credit score? Do you know? What's her debt situation? Do you know? I think this is her biggest debt, um, as far as anything in her name. I think she has a couple of credit cards that aren't, you know, massive, but, um, I think the biggest reason for $133 a month. Mhm. Oh, my. That's insanity. That has slid every wrist ever known to man. That's a crazy number. Uh, sorry, continue. But that's crazy. I mean, it's, that's her rent basically on a depreciating asset, though. This is going down in value. I mean, it's better than an apartment, depending. Apartments. Apartments, they'll take care of broken things, and her insurance takes care of the broken things on the RV. Every little broken thing, pretty much so far. Okay. So far. And guess what? Rent isn't usually at a 14% interest rate. True. Um, but I think the big or kicked off to your daughter if something happens. Debatable. Not that depends if you're on the rent, but, um, please. Right now, the biggest, as far as I'm aware from what she told me, the biggest reason for having my name on there was because if anything happened to her, it would be non-contestable that I am then able to take charge and do whatever I need to do with the RV. Mhm. Is something where she got like very disabled? Like super? Like if she died, why the? Do you guys care about the RV? If she dies, just let it go. Well, that's the thing is, with this kind of debt, why would you want it? Well, no, I would let it go, but that way I have. 'Cause I have no intentions of, if something were to happen to her, I have no intentions of keeping the RV. Well, but your version of letting it go, since it's under your name, it's going to be, you're going to be responsible for it. You're letting it go is having to get rid of it. Used, and it's likely under value, underwater, meaning that you're still going to have to come up with an additional like $10, $20,000. I don't think I follow. Because you're co-signed. If something were to happen, she dies, uh, and it gets put on you, you're essentially, since you're on it, you're forced to pay. It gets repoed, and then you owe the rest. Or it just, or it completely obliterates your credit because you just don't pay anything ever. And then the third option, the get rid of it option. This is likely worth less than the loan because she's putting miles on it, she's putting maintenance on it, and it's a depreciating asset. So you're likely going to have to come up with an extra $10 to $20,000 to pay off the loan after you sell it anyway. So this doesn't, this isn't benefiting you in any way. It may have benefited her qualifying for the loan, but in terms of what you're talking about and being able to control the situation, like, I wouldn't want any part of it. Now, if you're in her will, and there's like a trust set up, and there, there, there'd be a lot of different complications where, like, you're not necessarily responsible for it, but could have the ability to take charge of it if you wanted to. You know, there's a lot of different legal complications depending on how everything's set up, but you've put yourself in the worst situation possible, and I really don't get why you would want to want to. I think the initial factor was because, if I'm not mistaken, this was prior to her, um, VA disability claims getting worked out. Whoa, whoa, whoa. When did she serve? The '80s. Now, legitimately, guys, I believe that you, everyone in your life, everyone around us, can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15% discount, and you get $100 in cash gifted to you right into your Mumu account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you. Wow. So she didn't file until four decades later? She was working, she was doing fine, and then she got to the. She had. You can still have some VA disability and work, though, right? I have no idea. Maybe not the full. I'm not 100%. It wasn't something that she was willing to fight for because when she got out, she just. She got out under, um, not so fun circumstances. And because. Sure. And she decided she was just going to, you know, move on, continue trying to live her life, and lived her life for, you know, 40, 50 years. I got it. That's fine. And then, um, either. Why did you co-sign for this? Was it just that? I think it was because she didn't have the income, so she asked you to. I would never ask my kid to co-sign for something this just so risky for you. It's just. And why can't she just get an apartment? She had an apartment, and they were her rent was outrageous. Well, it's just like, you find better rent. It exists. And it was always her dream to get an RV and to travel. Was it her dream to put it on the shoulders of her kid? No. Okay, then maybe we don't get to live our dream if we're doing that. Then I don't think we sacrifice our only kid for the dream. But it's you in front of me, not her. Okay. So you don't pay this? No, I don't pay it. It's just on my credit. Okay. Wells Fargo. Man, I see another massive balance. So this was the first credit card. Oh, oh, okay. We have a balance of $596,463. The minimum, the payment of 50. I think 75, maybe 149. Oh, dramatically different than what you thought, especially in your financial situation. You're two minimum. Well, if that $800 one hit, I don't. You wouldn't be able to survive simply. But even still, that $203, which is why it's crazy to be under name. I can't believe you allowed that. But whatever. $200. Oh, that she wanted that $23 for your first card, and then $149 for the second card. Stacking that with your situation still is insane. Okay, let's see what happened here. Uh, oh, you made a huge pay-in of $700. It didn't matter. You purchased $1,759. For sake, what are we doing? What's the point? You made it worse. It's accruing $884 in interest on that last balance, and now the balance is $11,000 more. Oh, but good guys, it's worth it. Thank goodness you have a rewards balance of $57 cents. What are we doing? Why are we purchasing on two cards? Two cards that we've looked at. We've made worse. What is the point? My system? Because I don't system it. I don't know a better way. So what? I don't. A better way than what? So what I do, I, with the exception of rent, because I don't want to get paid the extra fees for putting rent on a credit card. Yeah. So when rent comes, when it's time for rent, it's whatever paycheck is right before rent. I go in, pay rent, make sure rent's taken care of. Because it's interesting the way you look at fees because you're putting your other expenses on the cards. That's what I'm walking away from. So you're not getting the upfront fees for them, but you're getting the interest fees. You're getting a 19.4% fee on here, which is any way more than any kind of rent fee you would have gotten anyway. So the way you're looking at it, it's it's still incorrect. You're just, you don't want that upfront fee. Sorry. Go ahead. But so I pay rent, make sure rent's taken care of, make sure that there's money in my debit account for any type of subscriptions or auto-pays that are set up on my debit account. And then I take a look at. Did you spend on that? Babies on the way here, $25 in gas. And gas. Okay. Sorry. Less than $2 on my drink. Can't afford it. I had to pee. You had to pee? Yes. So I had to go in, go pee. Right now, I'm pretty sure the price of a large fountain drink from a gas station is equal to that of cans of soda that I could have brought from home as far as cost. Oh, you know what? That's interesting. That's interesting. Don't drink soda. Water bottles of water for like $5 a massive pack and do that. Congratulations. 48% go to rent. You're putting more money on your credit cards, and you're doing everything outside of your rent on credit cards. As you were trying to explain, I don't think we're getting fountain drinks. I don't think we're getting cans. I don't think we're getting any of that. What? I'm sorry. I want you to have what you want, but we don't live in a dream world. I would rather you have an emergency fund and ability to retire so you don't rely on your kid like your mom relies on you. I want you to have the dream life. I want you to be able to retire. I want you to have an amazing life. Fully fund emergency fund to take care of expenses if something medical happens again. I want you to have that life. We don't have that life without. If we're just getting everything we want at any time. Go on. So I pay rent, and then I look at what I have left, and I see what can I put towards credit cards. And then I try to put as much as humanly possible on credit cards. But then unfortunately, that leaves a minimum in my debit account, and then I end up putting all my spending on the same credit cards. How much was that? Less than $2. How many liters are in that? Got to let me see. Okay. Is that definitely not 2 liters? Probably a liter. You can get two liters at the grocery store at H-E-B for $1.52. The off-brand H-E-B version. There you go. I just saved you half your money every single time. Continue. Was there any more continuing? Maybe not. I don't think so. Okay. Well, let's see what you did here because this is an insane amount of spending. Okay. There's a thousand Medical Cities through here. We now know what they are. They're parking. Justified. I totally support that. Um, obviously, we both wish there was a way for that to be, um, I keep forgetting the term, but reimbursed or waived. But eBay, spending $22.35. McDonald's. eBay, another $23.75. There. Oh, sorry. No, $33.12. Taco Bueno. Netflix. McDonald's. Taco Bueno. Craftsman, $127. What was that? Does he have access to your card? No. What are you getting? Craftsman. It's not like the boat Craftsman. No. $127.74. First of all, that's like one of the most. That's the second most expensive thing on this card. Third most. How do you know what it is? Fourth most. $127. You basically need to budget every single penny in order to barely make it, and you don't know where $127 went in one charge. Okay. Amazon, you spent $28. Puff Paradise. What's that? Please tell me it's cream puffs. Not for me. For him. So the one that's dying with something right here is an inhaling. Probably not the best habit in his current situation. It's not. And you purchase it for him? I, okay, man. It's hard. It's hard. Gosh. Am McDonald's. Amazon. Amazon. Amazon. Dumb bats. Dumb bats. Stickers. Art stickers. Buddy, we're like not surviving. You're putting $1,000 more on this than you paid, and we're getting stickers and McDonald's and eBay purchases and tacos. I will say, well, food hurts my soul a little bit because, and I know it hurts your calories too. Yes, it does. But that was all while he was in the hospital because I was commuting back and forth between work and home with dogs and hospital, and I was doing my best. Get it. It's a hard situation. I know. So that's it. It hurts my heart to have to. 'Cause I. So he was in for a month. Mhm. And we're waiting on diagnosis for for for the lump, the ball, whatever. So the mass, they took multiple biopsies. All the biopsies came back negative, but it caused a buildup of fluid around his heart. So they had to go in and put in. Was it like a cyst? No, it was. They all. Of the doctors are convinced it's cancer, but there's no biopsy medical testing proof. Did he know he had this before he moved down? So it wasn't protruding? No, it was internal. What sent him to the hospital? Um, because so he had this cough that we again, at first we thought was lingering pneumonia or, uh, flu or something like that. He had this cough, and what finally sent him to the ER where they finally admitted him was it. He was coughing to the point where he was throwing up. He had 10 and something fever. Oh, man. He was weak. Couldn't. Yeah. So that sucks. I'm sorry. That's horrible. And I hope he's doing well, and I hope everything comes back in a, you know, negative, and it's gone. They removed as much as they could. Okay. But it's attached to his abdominal aorta, which is the big part of the heart that pumps the blood down into the rest of the body. Okay. So mostly we're just hoping it's non-cancerous. Okay.

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And how long has he been home? July, or excuse me, yeah, July 22nd. So, okay. It's about a month. Yeah. Totally okay with him not working during that. Totally okay with him not working after that. Again, it's still weird that it came down to not work. I know you guys agreed on it, that's still weird, but obviously the situation has changed regardless, so that doesn't matter. Just want to make sure you're in a good position. But again, the situation's changed regardless, so it's a whole new world. And he's aware that when the opportunity comes for him to get a job, that that is expected. Apparently, I've brought it up more than I realized. I brought it up. But really? Yeah. What's his recovery timeline? We don't know. Doctor didn't have a timeline. No. We didn't even get S home with, uh, any kind of recovery instructions. They just. How do you guys pay everything? Yeah. How much is owed right now to him? Not to you, though. I have no earthly idea, but it's not to you at all. Nothing would be to you. It's nothing to me. You guys aren't connected? No. Okay. And you just don't know? Let's chosen not to add it up because the number is going to hurt my heart. Well, large medical bills will go to collections. I have a tidbit about that later. Oh, fun. Yeah, can't wait. Care Credit. Let's talk about that first. This is interesting because you paid it off, but you must have paid it off late 'cause you had a late fee. Oh, did you not even know? This is wild 'cause I would love to celebrate that you paid it off, but you're having had a late fee. Now you have a new balance of $30 'cause you didn't pay it off in time. You made the, you, you did the right thing. Late. So I am just now realizing that that's what that $30 is. Is a late fee. Because you not know? I am anal-retentive about paying my bills on time. Growing up, my parents worked really, really, really hard, and unfortunately, that wasn't always enough, and that led to a lot of accounts getting, um, past due. And so growing up, I would get home from school, and the internet wouldn't be working, and I'd do all the little, you know, turn it off, turn it back on again, do whatever you can to get the internet to work. And it would end up in me texting my mom and being like, "Hey, did you pay the Wi-Fi bill?" And she hadn't at the time had enough to cover it. So I'd go on, pay it so I could get online and do my homework. And that stayed with me. So I'm paranoid about making sure my bills are paid on time. Okay. But I mean, again, but you missed it. So I have no idea. Sorry. No, I know. Okay. I want to say also, you're over. Well, you didn't answer how much do you think you spent last month total? Yeah, this includes on debt. So I would say total spending. Reminder, $2,559 came in. Probably 2,600. Okay. Yeah. 4,520. Six. So whatever learning lesson you thought you had from your parents, I don't know if you learned it. You, you're spending almost double. You're putting yourself in that situation. You're self-fulfilling prophecy and back right into where they were. I don't think I had any idea how bad it was. You need to go through our budgeting program. Please go through our budgeting program. We give it to you for free. Go through the class, go through the quiz, uh, use the meal plan, go through that. Go through the investing class as well. Learn your investing profiles. Take advantage of the free $100 that comes with it. You guys can get them by the way, right now, they're, uh, 15% off when bundled together. Check it out. But please go through that. I need you to be able to budget. The fact that you, you thought you may have spent a little over, but it was actually double, almost that terrifies me. Speaking of things we can give you, I can give you, uh, if he wants like a course, career certification to get back into the job market, I'm happy to give that to him. You know, so you know, just feel free to talk about that. But yeah, again, we were, we were late down here. Bo. Your score is 655. We don't know our mom's credit score because I really want you to get off of that loan. Fairly certain it's about the same from last time we chit-chat. It's pretty close. Yeah. Be complicated with something like an RV. I wonder what she'd be able to qualify for. Okay. Is that all your debt? You said there was something medical related. I just got in the mail a. I know a lovely little collections notice for medical debt for myself from my old doctor's office. It's a. I wanted to take a picture of it. I like 200 and something. So it might be internal collections, may not have been sold off. What is it? You have that medical debt? Has to be some multiple of hundreds to be on credit reports now. I don't remember the exact number off the top of my head. I apologize. We can look it up afterwards. We feel better though that it might be 200. I, I don't know. But so you owe 200? Is it 200? Something like 240 maybe? Why did you not pay this? Because at the time, I couldn't. We could get on a payment plan, though. Even something like $20 a month, you may have been able to do. Sure. That would stretch it out longer than we'd hope, but you could have done something. There's. I, it seems like you both, you and him, both kind of have a mindset when it comes to him getting health insurance, getting a job, when it comes to you taking care of a debt like this, you see it and you think there's no immediate solution, so you give up. We don't look in. There's so much creativity out there in terms of what we can do. Sometimes all it takes is literally just asking, but it seems like we just don't do that, which is I.

I need you to get out of whatever, whatever that mindset is. I need us to move beyond that and be willing to ask questions, ask for help, be able to be willing to Google things for the rest of our life. Because I don't know, uh, six years into adulthood and we receive a bill and we're like, "Oh, we just can't pay it." And that's it. That's, you're not going to end up somewhere good in the end if that is where our mind is.

I can't disagree with you on that. Please don't. And I'm hoping that with the, at least with the, the collections notice, that maybe there's still a possibility to pay it out. Okay, so that's it, then. That's all your debts, all? As far as I'm aware. Oh boy, I hope nothing shows up.

No, $600 bucks in the checking account, $680 up from the $470 that we started with. You can't afford to live and you're giving someone money on Patreon? In what world? We have a membership. Thank you to everyone who subscribes because you get the post-show and a bunch of other shows and a lot of other things. It's really cool, it's really fun. If you can't afford to, don't subscribe. Who are you even supporting? It's an audio creator. Stop supporting your finances. Okay, raising Cain's Amazon Music, Waffle House, smoke and vape. Also for him, or do you participate in lung cancer as well? No. Okay, Amazon Kindle. Go to the library. Trust me, I pay a lot of property taxes for it. I do. I utilize the library as well. Wonderful. Cancel the Kindle. Dominoes, definitely can't be doing that. And Amazon Digital. I don't know. I mean, your video ask quote that you sent in when you reply to us.

I try to stay, or I try to stay and be incredibly frugal in, in general. I'm not big on spending on things for myself. Every once in a while, I will get a wild hair. I would get a wild hair and decide that, okay, okay, I just need a little treat. Little treat. Sweet treats. Great. I deserve a little treat. Okay, I've been working my ass off. I'm going to get myself a little something. Listen, I actually, I vibe with that. I get that. I want you to again, you get that. An emergency fund because you putting off any kind of financial independence, financial security, that lands you in a worse position in the end anyway. So no, you don't deserve a little sweet treat right now. First of all, you're not entitled to anything. Uh, second of all, reward yourself with that fitting it in a budget when you have an emergency fund and you don't have 30% in interest debt. Debt. Like, why hold that over your head? Why make it harder for you later on? Doesn't make sense. Deserve it. You don't deserve to suffer either, but you're bringing it upon yourself by not sacrificing at all. And also, frugal. I very much don't think you know what the word frugal is.

I think the month that we're looking at is a very difficult one because of how much spending did go towards things that I usually don't spend on. Yeah, but the parking was so cheap. Not the parking, but the, the food. I, okay, you could have packed sandwiches. Listen, I'm giving you a little bit. I'm giving you a little bit of leniency because of the hospital thing. And I do get that. But even still, it was a lot of eating out. And you spent double it. You made. And you put $1,000 more on that one credit card and a few hundred bucks more on the other credit card. It's, yeah, you're making your situation just worse. And hard times, they can lead to wanting to cope spend and have easier moments. But again, that hard time is literally just making you have more hard times. It's not worth it. It's really not. Especially since those times have passed now. You're not, he's not in the hospital anymore. You're not doing that. But now you're paying the repercussions for it. So you don't even get the joy of it anymore. You're not wrong. Well, of course not. But it's, I think it's, it's, it's shortsightedness. I mean, your spending categories go as followed. I mean, transportation was $623. $150 went to groceries. $191 went out to eat. Unknown spending, typically Amazon or Walmart and Target. That was $1,253. That may have been CVS. One second, let me see. Yes, CVS was $206 of that. But even still, there's $1,000 left over. That's Sam's. Walmart was $900. What the? For $900? Are you getting from Walmart that can't just be groceries? If so, that's insane. You need a budget and meal prep. And what? $900 at Walmart? What? The only thing I can think of is groceries. Oh, you don't even know. Well, I'm trying to think if there was anything. $900 of groceries plus an additional $150 at grocery stores and $206 at Walmart. Medical healthcare $160. That makes sense. $181 went to savings. It's weird, but okay. 8% of your spending went to subscriptions. 29.82 into miscellaneous. Bull. So I know there's a dog food subscription and Patreon, vaping, eBay, Craftsman, online art purchase, Microsoft store, and Xbox. Okay, yeah. You had a pet screening for $31 bucks as well. Okay. Okay. So what is this? I'm sorry. So $600 bucks in your savings? Yes. Okay. Albert Corporation. That is a, a, oh, it's a savings account. Auto-save. Yes. So you're at $2,397. That's great. Makes $2,600. I, about $2,000. In some ways, I feel silly having that savings when I do have debt. Yeah, but like, I want you to have enough to either cover your highest deductible or to have a one-month emergency fund. So we're going to determine what that is. Then the rest goes to debt. Is it a Korean interest in there? Yes. I don't know how much. I, uh, I mean, you're getting 35 cents. So really not much. I don't know. It's weird when there's like a traditional higher savings account. Like so far, you get 4.6%. Or you could even put it in Mumu where you get like over 8% right now of just leaving your money in there. The biggest factor for the Albert with me, that was why I went there, was that they do. It's not a set amount of savings. They look at what you have in your account and withdraw based on that. So that way they're not. It's not like, well, if you budget, you can manually withdraw. That's not a big issue. Plus, it's exciting to throw money towards savings. $18,000 in retirement. I've got something. No, at 25, I'm actually quite happy. It's a good start. It's a good foundation. There is a positive here. At that. Okay, I was waiting for us to get to that point because, yeah, the Walmart, I need to, the $900, you need to know what happens there. I need you to sit down on a monthly basis again, go through the budget program, but sit down on a monthly basis, figure out where every cent was spent. And when you do this, it's going to take a long time. Your first time, it's going to take a long time. Your second time, but it gets quicker and quicker every time you do it on a monthly basis. But you need to look at where your money is going. The fact that we can't define, like the Craftsman, we can't define $900 going to Walmart, and yet we're underwater dramatically by $2,000 a month. Yeah.

Okay, so your rent is how much again? After utilities and fees and all that? Uh, the number in my head is $1,234. After utilities and fees and everything? $2,340. Okay. Does that include internet? Gas? Electric? Internet? Not electric. Gas? And how much for electric then? Jesus Christ. It's Texas in the summer. So like, place not very efficient. No, my pay, my, how much? Somewhere between $1 and $200. $150. Renters insurance, do you have it? Yes. I paid for it upfront a year. Yeah. Okay. Gas. Vroom, vroom. Drive, drive. How much on a monthly basis? I probably fill up twice a week. So eight times 30. Eight times 30. Filling up twice a week, about $30 bucks a. Oh, you fill up twice a week? I think so. I heard that as once every two weeks. Sorry. $240. Wow. Okay. Car insurance, yes. Uh, I think it's like $110. Okay. Your debt minimum payments is $352. It'd be over $1,000 though if something happens to your mom. Obviously. Hopefully not. Of course. But, you know, there is the risk there. That is realistic. $100 for TP fund. Anything else you need to survive? This is makeup. This is whatever. Gym included in the apartment. Luckily. One of the few benefits. Do you have medical, ongoing payments, co-pays, things like that? The only thing on a regular basis that comes to mind is going to be medications and required vitamins. That's what a lot of those, let's call it $50. You have pets? Yes. Pet insurance? No, because I did and it did not benefit me a single bit. How every time I tried to file a claim on it, they told me, nope, doesn't count. Who do you have then? Uh, SPCA. Okay. I don't know about them, but my pet health insurance has literally saved me $6, $7,000. No, I would love to have had it work because I did. I paid for it for over a year and it didn't do anything for. Well, I would look at true consumer. Well, that's I almost. It sounded like I was giving a brand. True consumer review. No, that's not a. But like actual consumer reviews. That one, because that was the one that my company benefits was like, here, this is the one we support. Okay. Yeah. No, I just want to make sure they're, you know, good. And luckily, the one I have is okay. I got to do groceries. But with you and your boyfriend, it's. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Mumu, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, Sofi, where they'll give you 4.5% on your money and up to $300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Mumu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money, because I'll punch you.

What all do you cover related to him? I cover food. I don't consider rent because I would be paying the same in rent no matter what. Uh, food, phone. What's your phone bill? I think his is set at, I think it's $25 a month. Okay, that's not bad. No, he's using something like Helium. We both use Mint. Mint. Okay. Yours is $25 as well? I think mine's $30 because I pay for more, uh, data. Okay, so $55 for phone. Groceries, $500. Meal prep, $500 is fine for both of you if you're meal prepping just a few meals a week. Frozen up, refrigerator, meal prep, meal prep, meal prep. What else do you cover? Like I said, uh, and then probably the other big thing for him is non-essentials. So give me a second because I feel like I'm being really quiet. Biggest thing, non-essentials. His big habit is he does smoke cigarettes. Well, I don't know how to go about that, but I can't put that in the budget. Not gonna put that in the budget. He smokes cigarettes and vapes. And he just had something in his lung. The vape is very, very, very, very little. And it's the T or the CBD, 8 or the T. What? Okay, sure, sure, sure. Uh, he should probably. He's cut back. He's cut back for someone who's had a habit for a very, very long time. He has cut back. You wanted to. Okay. Smoke in the house? No. No. I can't put that in the budget. What else do you have to take care of? Anything else? Not that I can think of. Subscriptions. How much for pet food on a monthly basis? I think it's $60. Listen, because that's also kind of enabling his addiction and bad behavior. So it's just like, I really can't put that in the budget. And quitting. So much easier said than done. I know that's, that's one of the hardest addictions to break. It's horrendous. Like I get it. But it's coming out of your budget. And this is obviously not good for him as well. It's just like, it's hard for me to put that in the budget. $2,019. $131. Okay, so we're under because you have $2,559. So there's really no way for you to budget this. Um, a lot of that is because groceries are more expensive. And this is without putting in the cigarettes. And the big reason why we're over is because, you know, your credit cards, they, they just keep going up. It's probably because you're underwater, so they just keep going up. And of course, your rent has 48% of your income. When's your lease up? December. Okay, you're not living there anymore? No, no. I'm getting the heck out of there. Well, why? According to you? According to me. Well, part of it is what I'm paying versus what I'm receiving is not working out. Okay. Either way, getting in a, in a, you know, relatively safe environment, get a $1,100 place, $1,200 place. You can't afford this. It doesn't make any sense. You'll at least be close to breaking even around them. In your current situation, how many hours a week do you really work on average? 42. Okay. The reality is, and this is that it's completely up to you if you want to take care of this dude. Um, completely up to you. And if you do, the reality is you're going to have to work another 10.5 hours somewhere else. Or else you're just underwater. It's as easy as that. I mean, you can always even if we forfeit our credit cards and let them go into collections, credit score and all that stuff, even do that. Getting rid of those minimum monthly payments doesn't get you to break even. You're still underwater. So that's not even what's going to do it. Your, the meal prep's a pretty aggressive meal thing. Do you have a car payment? No. You're lucky there. Your gas is expensive. What do you have? What do you drive? Kia. Okay. Lots of miles. You fill up twice a week? I think that's an estimate. I like. I mean, your phone bills good. Of course, you're taking care of his, uh, socks. It's, yeah, it's your rent. Your rent is killing you. You and taking care of. If you include your rent, your debt minimum payments, and taking care of him, if you include that, and you get rid of those, uh, and have an affordable rent, you know, you have a few hundred bucks extra on a monthly basis to start throwing to it. It's like a Roth IRA. You have to work a couple hours extra. You have to work an extra 10, 15 hours a month. You have to, uh, a week, sorry, a week. I wish it was a month. A week. You, so you're getting a coffee job, you're getting night stocking of shelves, you're getting anything and everything. And I've looked at it. I, I've looked into it. The hardest part is availability. Yeah. No, you're going to have to get creative. But real, the, because the only other alternative is like, literally, I mean, the, what's the alternative? Like, you're just going further into debt because you literally cannot afford this. Or you're going to break your lease, or you're going to get kicked out. Like, honestly, it's something that might be worth it is having an honest conversation with the leasing office and being like, I just simply cannot afford this rent anymore. What can I do to break my lease so you can get out of it early? Because the fact that you have to do this for another four months still is insane. Insane. This rent is too much for you. If your rent's ever near 50% of your net, don't. You're supposed to be living off of 50% needs. You've already maxed out your needs with just your rent. I want you to have a nice place. You just can't afford this place. And math is math is math is math. And you're making your life worse and harder.

How much are you contributing to your 401k percentage wise? I'm not sure. Okay. You might be contributing over your match to get to that balance already. Um, so I would actually probably bring it down to whatever the match is because the match is 100% return on your investment. But honestly, even if you're not even breaking even with your rent, get rid of your minimum monthly payments. But your rent, even that, like a roof over your head's more important than a match. So. But to first start, drop it down to the match because I think you're contributing higher. We need more money in your pocket right now to just take care of our things because you need to pay off the $5,964 credit card as soon as you can. Then $835. $8353 card. You, like you need to pay those off immediately. I have a query for you, please. Would part of me thinks that it's an insane stupid idea, but at the same time, it's the only one that I can think of. Would pulling from the 401K to get rid of the debt be an option? Like, I don't know. That's, that's where I'm at. So you're going to face an immediate 10% loss, okay? That's a penalty, early withdrawal. And then you've likely taken advantage of a lot of 2023 and then then 2024 gains in there. You're going to get some long-term capital gains and even some short-term capital gains on those gains. So your tax, your hit could be like 20, 25% total. Meaning you're getting kind of like a 20, 25% interest on that money, which is similar to the credit card. So it actually might not make sense mathematically. And well, but let's say it did make sense mathematically. Let's say took a loan against your 401K at like a low percentage, like five, 6%, and you paid off your debt with that. That doesn't solve the problem though, because you got into the debt due to behavior issues. You can't control your spending. You don't know how to manage having debt. And you paying them off isn't going to be a mission success. You paying it off gives you the ability to spend more money on them. You paying these off by never spending on them again, cutting them up, sticking to a strict budget, builds the behavior that you don't. Credit cards again. If you just consolidate them through some kind of method or whatever, at this point, you're likely just going to build them up again. We've seen it time and time again on the show. So you just kind of double hurt yourself because then you've drained your retirement or took out a loan against it, and then you're going to have to pay off your cards again because you're going to build them all the way back up. So I wouldn't do it. Okay, I wouldn't do it. I'd rather, I'd rather let them go to collections and just, you know, hope that they don't sue you in like small claims or anything. But, you know, I don't know. $8,000 bucks is a decent amount of money. Uh, there's, there's certainly a mathematical cutoff terms of where they'll come off through you legally, but they're entitled to. They're entitled to. For a few hundred bucks, they certainly won't. For a few thousand, they certainly won't. Approaching $10,000, it's a chance.

What do you think? I'm thinking I need to take my family's advice and finally sh. Did your family say shake down my ex-husband for the rest of the money he owes me on the credit card? He owes me a what? So what? Again, like I said, when we got divorced, it was pretty. Was this in the agreement? Signed? No. Okay, then he probably doesn't owe you anything. But go ahead. I did not get anything. Neither of us split anything legally money-wise as far as the divorce. I didn't receive anything from him. He didn't receive anything from me. But the agreement we made, um, was that verbal agreement? Yes. And he has stuck to it. It's just not been upfront. It's been, "Hey, can I get money for the, towards the credit card debt?" Okay. How much? Started out with like $8,000 because that was the balance on the credit card at the time that we got divorced. He was going to, that was the agreement was that he was going to pay off the balance because it was. Why hasn't he? Call him. I will. No, call him. I'll talk to him right now. I don't think that's a sound idea. Why? First of all, I would hope to God he's at work because that was an issue. Um, part of it, I don't want him to know how bad I am at, like, how bad of a situation I'm in because he's just going to get. When's the last time you've brought up him giving you the money? Last week. And he sent over $750. Where to go? Currently, it's sitting in my debit account, but it's going to go. How frequent does that come in? Anytime I ask. How frequently do you ask? At least once a month, if not twice. Okay. And it's somewhere between. Ask more. Ask for a bigger amount. Sounds like he's giving money if you do it. Yeah. It's just not. Say what you need and say how much he owes left. I have it. Just get it. How much is owed left? I think it's two or $3,000. I know barely makes it dance because you've just been irresponsible with the card. Okay, well, obviously get it and throw it towards the car. But again, what that has proven is that doesn't change your behavior. You need to change your behavior first because that's what's going to actually make a difference here. Spending a budget. You overspent dramatically. Zero out of 10. Debt. You have collections. Zero out of 10. Emergency fund. Not a great. Nothing. It's not. Oh, wait, no, no, no. Actually, if you actually, okay, so you do have a month's worth in there, which is great. So I wouldn't throw any more to save savings. The rest goes towards that now. Okay. But you do have a month's worth. Going to give you a two out of 10 there because it's like $2,500. Okay. Retirement. Pretty happy for your age. Pretty well, actually, for your income level. That actually makes me even happier. Going to give it a seven out of 10. Real estate. Zero out of 10. It's going to be a hammer. Financial score of two out of 10.

Make sure to join us in the post-show. We're going to bring in the producers. We're going to talk about some extra drama and stuff that we didn't have a chance to talk about in this episode that they know. And then, uh, also check out all the resources linked in the description below as they are what I use or would use in specific situations, including the best budgeting and investing program ever created on the internet, which are now discounted at 15% bundled price off, something like that. Join us for the post-show today on the financial audit.

Post-show, you guys agreed together that he would be moving down without a job. You guys agreed to this. How was this proposed? In his words, he would be a house bit, stay-at-home person. So he had no intention to get a job then? Not initially. When was your divorce? November. In November. Divorce and you started talking to this guy in December and he moved down only a few months later. And there's red flag warnings everywhere.

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