Moron Blames Girlfriend For Their Failures | Financial Audit

Oh, here we go. Getting some o. Do you know he's using o? No, dude's paying to jerk like every five minutes. Brand new to me, but it is the age gap. So I'm a lot more active than she is.

Hi, I'm John, 25 years old. I'm Marissa, 37 years old. Based out of Austin, Texas, and this is Financial Audit. First couple on here in a long time, so thanks. Uh, but just out of the gate, what's going on, guys? So for me, at least, um, I've really been trying to get our finances in order. Uh, it's pretty frustrating, uh, just because, uh, I do have to keep track of both of our, uh, finances and stuff like that. You know, our bank accounts, our debts that we have to pay, and our, uh, her car note, which really, uh, um, I'm getting sick of that, to be honest. You know, having to, you know, back pay and all that. So, um, you know, especially with the, the age gap, you know, I feel like I'm 25 years old, she should be, uh, at a better place than, you know.

This is a big age gap. How did this happen? How? It's fine. It was, we were co-workers, and that's how it started. No one was a boss, right? No boss? No, not at all. Interesting. How long have you guys been together now? That would have been funny. Uh, we've been almost four years now. So we're saying from, if I just want to make sure I understood this correctly, you feel like her finances are holding you guys back as a couple? Uh, yeah. Yeah.

What about financial choices and, uh, as a couple, where are we? Um, um, I feel like we just, there's sometimes where we make bad decisions, and I make bad decisions, but I always seem to call us out of that, always seem to get us out of the hole, and, you know, pull money out from somewhere I don't have it, or, you know, sometimes I make decisions. I have too, yeah. But like, overall, like, you know, where, where do we? He's more stable. Yeah. I think I'm a lot more responsible, to be honest. Um, well, you've been doing the adult thing for like, forever now. Forever? Sorry. I, I just couldn't do quick math, so I said forever. No, I'm used. I get it all the time, so I'm so old. I get it all the time. Okay. But like, you've been doing this for a while. Why is, well, we'll go through the finances and we'll actually make a determination. But why is he the big boy of the relationship? Um, yeah. Why? Why is he the adult? Yeah. He makes better decisions than I. Why? He has gone. He tries to go higher and pay from the time we've been together, he's gone up and up and up, and I haven't. I've gone down. Um, why? Yeah, I've gone down. Uh, it was making rational decisions, and I left my job, and then I had to get another one that was lower pay, so that didn't help out. Yeah, that kind of, you know, blindsided me too. We had been talking about it. You know, she had some issues with her boss, but she called me one day and she's like, hey, do you mind if I, you know, you know, quit my job? Getting tired of my boss. And I was like, well, not, I mean, you have to find another job first, but, you know, I don't mind, you know, toxic environment, you know, that, whatever. But, uh, she said, you know, I already did. You know, and I'm like, well, then why are you calling me asking me if you, you know, you already are.

Are we making financial decisions as a couple right now? Yeah. No. Uh, not really. What are we trying to do? What's our goal? What's our future? What are we trying to do as a partnership? Are we trying to get married? Is this a long-term thing? Where are we going with this? Yes, absolutely. You know, we want the house, we want to get better, we want credit, our credit to be better. Um, okay. Well, we both have things in collection, right? For sure. How are you the responsible one, by the way? Uh, I feel like I just make more money. Okay. But what we choose to do with our money is what comes out. Abely responsibility. Make a million bucks a year, and you can be the most irresponsible guy in the face of right. But you also got to look at everything as a whole. You know, I'm making a lot more money, but I'm also having to spend more money helping us out, or helping us with bills and past due bills. I've been getting my stuff on track. We just moved into a house that, you know, our rent isn't that much, and I've been paying my stuff off, but it's so much, and it's so bad. Plus, I had some things happen in the past, like with college and stuff like that.

So, what's your current income? I make about 55 to 60,000 a year, depending on overtime and bonuses and stuff like that. What about you? I probably 30, 30,000. Yeah. Okay. Now, I have to go off this on an individual way. You guys are not married. Your guys' finances are not combined, except for one card. We're on a card together. It looks like one credit card. One? Yeah. One credit card. Correct. Why? I did that just so I thought I was more than capable of paying the bills, but, you know, stuff happened, and, you know, we split. Are you responsible? I know I'm trying to be. I really try to be, but, you know, there's also a lot of stuff in our relationship that's separate from the finances that we, you know, we've been rocking on. You know, we've taken a break a few times. Really? How many times in four years? Twice. Twice. Yeah. Twice. Yeah. Twice. So it's a little. So does opening a credit card together? Well, we did that. I did that before we decided to split off. It's always, I mean, it's. When was the most recent split? Last year. '21? No, last year. When I moved over there. Big gap. Oh, yes. He's correct. That's when it was. The other one was 2021. His statement of saying he has to take care of your finances and your mess and dig you guys out of the like straits of debt. Is that correct? We've let him talk. We've let him give his piece. Is it correct? Yeah. He has done it before. I think he exaggerates about it. That's where I think he exaggerates about it. He thinks he does. He's done it more than he really has. No. Okay. And, um, I want to say I've done it too. Like, I've had to bail him out of. Yeah, but I always pay you back. I always pay you back. Oh, and then I pay you back more than what you give me because I do feel bad, and I do feel, you know, I should be, I should have my going. I mean, I am. Are you? Yes, I want to with everything in me, pay him back. It's just I can't yet. Why? Because I'm not making enough. Now, you chose that to a certain extent. What is your job right now? I cook. I'm a cook at a nursing home. Okay. What is your job? I'm a maintenance technician assistant maintenance. What was the job y'all met at? Uh, I was working at a nursing home. I was, I was doing valet right before COVID, and then I got laid off from all that. So I had to. I was laid off for six months. I was getting that, you know, that nice stimulus check and all that, you know, that's why I got my car and all that. But as soon as I, they cut that off, I needed to get a job. And I want to go, uh, work at the nursing home, and that's how we met.

All right, I'm going to give you a three, two, one, go. On, go. Give me the household financial score. So I'm going to say three, two, one, go, and you guys are going to say the one out of or zero out of 10 score together at the same time and see where your heads are aligned on this. What do you mean by household financial, financial score? So like, how good are we on our finances? Okay. Well, I'm sorry, let me add some context. So are you the one that watches the show? And you're not? I'm the watcher of the show. Have you seen the show? I've seen a couple. Oh, okay. So I give a hammer financial score. Free in the link, uh, in the descriptions below. Get yours for free. It's fun. But I want you, zero being absolute worst, worst, 10 being the absolute best you can be. Five is kind of like average. I'm going to give a three, two, one, go, and you're going to give me the household score. Three, two, one. Five. Six. Six. Six. Yeah. Really? You think you're above average as a household? I don't think so. Oh, no. I just said five was average. You think you're average? I think I'm about average, yeah. As a household? Yeah. I think we're about average. Still could be a lot worse. It's important to stay up to date with the latest news, especially if the news may influence your money. With that in mind, I'm excited to introduce you to today's sponsor, Ground News. I only partner with businesses I believe in or trust, and Ground News is a game-changer when it comes to understanding news biases and breaking free from the influence of news algorithms. Their app and website gathers articles from around the globe, providing context on political leanings, reliability, and ownership. Take this headline on student loans: Biden Administration to forgive $4.9 billion in student debt for 73,600 borrowers. Ground News analyzed almost 200 sources, presenting summaries from the left, center, and right perspectives, based on ratings from three independent news monitoring organizations. Left-leaning sources focus on the relief for borrowers, while some center and right-leaning outlets emphasize the potential cost to taxpayers, nearly $500 billion. It's crucial to see all sides of a story, especially when it affects your money. With Ground News, you can compare headlines, check bias distribution, and even discover news not covered by one side of the political spectrum. Personally, I follow their financial page to make sure I stay in the loop with critical financial news. So go to ground.news/calb to try it out. By using my link, you'll receive a 30% discount on their unlimited Vantage plan, the same plan I personally use to stay on top of current events. At less than $1 a month, it's a teeny tiny investment for huge insights. That's ground.news/calb or click the link in the description below.

I would say for, I mean, we make finances. But first, what's holding, what's holding us back right now? What is holding back the relationship? That's the whole reason why I, I wanted to come on a show. Like, I, I pay all our bills. I pay them on time. I think it's me not making enough. What about the spending when it comes to what we're making? Again, we can lifestyle inflate. People can make a million dollars to spend it all. What? So, but that's what we think, right? Is you not making enough? So do you? Cuz I don't spend a lot. I don't buy a lot of stuff. Yeah, but you don't. I mean, I, I do have a lot of bills. I have loans. Yeah. I don't want to, you know, step on your foot, but you, all the money you do have left over goes to, you know, uh, I don't know if we can talk about stuff like that. Yeah, of course. Yeah. You smoke a lot of. So I mean, I have nothing against it, obviously. A lot. I want you to be honest when you answer this question. More than a week? What do I have? Do $40 once a week? Plus the $2, $3, $4? For real? Those? Okay. It was like, say $50 a week. Like, or like, vape? No. How many grams is that? I don't know. Like, about a quarter. Yeah. She just goes, I don't. Quarter every week. So it's about. So I don't know. All the. You feel pretty dependent on this? Yes. It relieves me of stuff. That's, yeah. Okay. There is a certain extent where, yes, recreational. A lot of people can do it, just like alcohol. But there is a certain point where people have got. It's the only thing I do. Like, we don't go out, we don't do anything. It's all. But why? We don't go out because we don't have any money to go out. I'm always having to pay money. I'm always having to save money for the next bill that comes in. And, you know, when you pay later on your car note? Uh, yes, I am. But as a couple, are you guys happy? We fight a lot, especially for the finances and stuff like that. Yeah. That's the number one leading cause for divorce in this country is finances. Yeah. For sure. Going down the path conversation we've had right now, it, I don't think anyone would recommend marriage. And I am not the relationship expert by any means. Yeah. We're trying to figure it out. Finances specifically. I don't want it to, I don't want it to be two versus one. But just from the language you've used about yourself, yeah, do you feel like the anchor of the relationship, holding it back financially? Yes. Okay. Yes. What have you done to change that then, for the sake of the relationship? I haven't. Do you just work, go home, and then immediately smoke, and you're just like, satisfied with your day? Like, I mean, I take care of the house as much as I can. I am working a lot right now. I do about 25 to 30 hours overtime in a week. How many hours total? Oh, she just started. So she just started back in January. Um, honestly, I'm not sure. Say, probably two to new 80. And then you're making a week? You're making. You don't work 80 hours a week and make $30,000. I just started as well. I know. So we might have to take more time. I'm going to start with yours, though. Yeah, for sure. The guy who, uh, is the good one of the relationship. I try to be the best. I really do try. Yeah. Your dad gave you $1,800 to pay off a payday. Yeah. Yeah. That was a mistake. But that was when we had a break, and I was being stupid. Break wasn't that long ago. How are you? How are you the responsible one of the relationship if we're taking on a payday loan? The reason payday loan is like the worst loan you can get anywhere besides like a going into like a mobster hang. See, but I also didn't have good credit, so it's not like I can go to into a bank and get a loan or someone else. You need a loan, but I wasn't also, like, I grew up in a family where they didn't have the right mindset with, you know, towards your. I figure. How are you the responsible one if just recently you took out a payday loan, wasn't able to pay it, and your dad had to bail you out? Now you owe your dad money. Yeah. How can we label you as the responsible? I try to be. I just, I just try. Doesn't matter if we're trying. I just got to where I'm like, my mindset that I want, want to be at. I mean, I was young, I was stupid. You know, I used to smoke. Break just happened, not that long ago, according to you. Yeah. But, you know, I, I moved into, I, you know, I'm a maintenance technician, so when I move into, when I work at apartments, I can move into the units. And when we split off, I moved into that unit. And I moved into a unit that was way too expensive for me. Break. Yeah. But, I mean, you still owe your dad this money. Yeah. I do. Yes. Why have you made no progress in a year? Because it's hard. I, I really don't know. You make decent money. It's 18. It's $1,800 over the course of a year. Owe to your family. He also wants to be paid in full. His father. He doesn't want my dad's a little. That doesn't make sense though. He probably could have got his money back if, you know, I mean, I love my dad, dude. Bailed you out for you making a stupid decision. So I don't know. But $150 a month, he could have had his money back. So he's, he's just being stubborn. I would say dumb about it, right? You're both dumb in different ways with how you're dealing with this. Let's be, let's be real. That's why we're here. I mean, but like, but, well, yeah, that's why everyone comes on. But I'm going to give you tough love. Yeah. But that's why. Take it. I, I needed the bail out because I needed the money because I had a couch and I had, you know, I had to pay rent, and we were living separate, but I was still. Couch. Yeah. I bought a couch. Yeah. You don't take out a pay on for a couch. Yeah. No, that's not an excuse. I thought, okay, maybe you were literally going to get kicked out. You were months and months behind on rent, and they said, we are evicting you. No, I mean, my job was pretty lenient with that, so. Yeah. I know. So there was no need for the payday loan. But you, the responsible one of the relationship, took out a payday loan. Yeah. But I wanted a couch. Like, you know, wanted. Yeah. See, this is, see, this is why I wanted to do your finances first. You're also right now, zip quad paying. Right now, the responsible one taking us out of the hole. Some of that stuff is like my brakes for my car, and then K. Oh, this. Sorry about that. Yeah. Yeah. That's really helping your car not smashing, isn't it? Like $30 though. I don't give a sh. You're the one digging out of the hole, and you're the one all of a sudden going in financing things. Does that make sense? Does that make sense? How can we put the blame on her? And don't get me wrong, your finances are, we'll get to it. Congratulations. But you are not. You tried to put yourself on a high and mighty at the beginning, but you are not. You are financing both the Home Depot, and then there's your car parts. You're quad paying. You are not the champion of finances. You're both being dumb mother. You're both the anchor holding back this relationship. But we're deflecting blame on each other. And yeah, that is, this is not going to work successfully financially speaking, the way you guys are talking about it.

Well, for me, like, you know, the jewelry and all the stuff. You know, I've been paying rent for what? How long? For like, almost two and a half years. So you're 100% taking care of rent? Yeah. Like, right now? Yes. Not 100%. No, no. Not 100%. Tell me what's real. So when we first moved in together, I, I moved into her house. I wasn't, you know, good at home, whatever. So I decided to move in with her. We moved in for a few months, then we got in the apartment, and we decided we're going to go half. We're going to go half on everything. Yes. And it was maybe two months in, and she couldn't afford it anymore. So for the rest of the whole lease, I was paying what was it? Like $1,200 by myself, and I wasn't making that much back then. I, yes, you was paying rent for that, but I was helping with other stuff we needed outside of the rent. What, what, um, food? Um, I would pick up any slack that he had. Slack? Yeah. Whatever he needed, he needed. If he needed something done with his car. So sounds like we were still essentially splitting the bills, just took care of different parts. Yeah. But like, I also paid him back for all that stuff. He doesn't see it that way. Did you pay him back for rent then? No. No, I have not. Absolutely not. Are you supposed to? No. And he agreed, like, it was more his idea for us to do that. Is that true? Yes. But I did it. Then we can't hold the grudge on that if this is what we agreed upon. We can't hold the grudge on that. I just feel like, no, I'm still at the point where I'm still helping out, and it's been, and it's been. Is that where we are? Yeah. I'm still. Okay. Now, why, why have we made no progress on your end though? That's why I'm concerned. Are we just fully satisfied? We go work, we do our jobs, and we come home, and we blaze up? Like, again, there's nothing wrong with any, anything recreational in a responsible way. Uh, from what we've s talked, from the language we've used, and the lifestyle we're living, it sounds more of a, uh, dependency and just life satisfaction, not out there getting done. If he wasn't there, I would definitely go get a second job. Would you? He's taking care of you though. He's taking care of you financially right now, even though his finances are, he's still taking care of the vast majority of the bills. Why do you feel no obligation to contribute to the household in any way whatsoever? That's what pisses me off. Sorry. Not in any way whatsoever, but why not step up? If, have we had this conversation? Yes, we have. Multi. Then why have you not stepped up? I have now. Like, I think I'm doing that, working as much as I am. So what were you making before this? $30,000 a year. Well, I went from 21 pay to 17, so whatever the difference is, that is. Um, when did you go down? This January was the down. November is when I left my job. Okay. Well, that. Okay. And when did you land a job after that? In January. Okay. What happened between those two months for all the bills across the household? I was looking. I was looking, looking, looking for what? For jobs. For what kind of job? Uh, a lot. Any and every. Cuz I know you, you could have picked up something in the service industry almost overnight. Well, I'm sorry, what city are you guys? Picked up again. Austin. Oh, yeah. You could have gotten some overnight. Mickey D's. 100%. They're. I can't drive down the highway without, hey, please come work for us, or we're going to kill ourselves from service-based industries here. Yeah. And then they pay more than what she's getting paid now. And I'm like, we drive by them all the time. And trust me, I'm not saying the job's good. I'm not saying I, it's, I'm not saying it's an enjoyable job. I'm not saying it's a job I want you to make your career off of. But it's one where things are. And all of a sudden, I'm putting the burden on someone else. I'm going to at least kick in as much as I can by working some job that I don't like before I get a better job. Um, I feel like that's what it was, to be honest. Like she was real comfortable, you know, being at home for, you know, two, three, four, five weeks. Was stressed? It stressed me. It didn't look like it, to be honest with you. I told you it did. Sitting there smoking. No. And taking care of the house as much as I can, not having you worry about. But you don't work. But you don't work. That's what that's what makes me upset. That you're not working. I'm working, you know, 8 to 5, 8 to 6 sometimes, and I'm work on call, you know, I work on call all the time. That's worth all that extra overtime. And I come home, and I, you know, I got to wash your dishes, and I got to do that stuff. And it's like, like, really? Do I really have to? No, we get in the fight, you know, about that too. You know, for me, I'm real traditional. I like to, you know, pay those bills and come home and not have to worry about too much. Okay. That's what you like. What do you like? Because it's a two-way street. I would like that. But, okay, then same page about it. Why is that not happening then? No, because even if that does happen, he's still going to get on me about something. He's still going to get on me. So why not just get my job? And sometimes, but absolutely I do. You know, I'm not going to lie. Relentless bickerer. Yes, I am. Okay. Yeah. I mean, I think that it's valid. I don't think anyone ever appreciates that. I think it's valid, though. Like, I'm not going to say here and say it's not valid. It's absolutely valid. You know, I've been, I feel like I've held my end of the deal up, and it's time for the other side. But if you agree on that's how it's going to go, then there should be nothing else to say about it. Yeah, but you also agree that you're going to help me also. So it's like, why do I have to agree and why do I have to, you know, what I mean? Go with me here. We'll start with you. Where is she letting down in this agreement? In this agreement that I don't think we're fully aligned on? Where is she letting you down? Money. Money. Okay. Well, that's not what you were just talking about there, but you were going to pay as far as you pay in everything. Yeah. No, the house. Yeah. Like, you know, we have laundry that's powered up, and we got laundry all over the floor, and the, you know, the dogs are a mess, and dishes need to be washed. And you, it wasn't like that when I wasn't working. Well, let's do you. Where is he letting you down in this agreement? This specific agreement that we feel like we've made. Um, where has he failed this agreement? I guess he's just bossy when it comes to it, and he, if I need money, and he doesn't agree with it, it won't happen. For like, what? Give me an example. For no, for other stuff too, but yes. Um, well, I'm, let me play. Mostly handled that. No, because advocate on that. Like, if that's where a big chunk of your bills are personally going, and he doesn't support that habit because he sees it not being productive for your past and future. Is it on him to support that habit? No. Oh, and I, and I used to be, I used to be an addict. You know, I was homeless for a little while. For really? I was homeless. My mom kicked me out when I was 20 years old, and I was. Goodness. For one year. Later, I would never let it get to that. Yeah. Well, I don't know. Does is that? You would never let what? What does that mean though? I feel like that's what a lot of people say until it happens. Listen, this isn't like some hard drug by any means, but, and it is much less common for people to become addicted to the substance than many other. But just like anything that you can fall into. When it comes to, and a lot of other words that we're going to be bleeping from this episode, um, there, and even like gambling, this is something that people can really just fall into and just have like their lives revolve around. Which you gamble? Well, that's not what I'm talking about. You and smoking. What was your question? My head is everywhere right now. I don't know. I just wanted to push back on you saying I'm never going to let it become like that because I feel like that's what everyone says until it becomes like that. Yeah, I mean, I don't know the future. Yeah, that's, I would, I have a supportive family as well, so I don't think they would let it get to that as well. That's not how that works though. It's not how that works. Supportive families do interventions for people all the time. Doesn't mean they're successful. I think it's a little bit. They would let me be homeless. Okay. So that's what you're saying. Okay. You owe $2,000. What is, what is this? What is this? It's a debt collector. See, it's something in collections. The financially responsible one. Yeah. What is that? I don't even know what that is. Cing to him. I try to be. Who actually gives a here about their finances on a day-to-day basis? Do you? Why is that not demonstrated in any way whatsoever? Because that's from previous stuff. The when we were get your spending. Yeah. Yeah, for sure. But I've been trying to get to where we need to be at the place that we're at right now. I feel like we've gone through our tribulations and stuff like that, and we're trying to figure stuff out. Yes, we don't agree on everything. We're not aligned though. We're not aligned financially. Not financially. No. But we've finally gotten over the romantic side, I guess. We've gotten over those. And now we're finally. But this is still the leading cause of separation, right? Yeah. Like, you guys could love each other, and that's awesome, but this is like the biggest stress in our culture. Yeah. You guys do not figure this out, get on the same page, then. Yeah. And that's why we're here. That's honestly why we're here. Cuz 2,18 is no minimum the payment because it's a debt collector, right? All right, here's your car. Yeah. Yeah. My car had a 7% interest rate, so nothing thrilling. Well, I co-signed with my dad on that one. He helped me out with that. So. Oh, great. So it would have been higher. It would have been way higher. Yeah. $324.19 minimum monthly payment. What is the car? It's a 2019 Chrysler 300. My baby. Your dream car? Yeah. My dream car. Chrysler 300s your dream car? Yeah. Those things, they're like, they're, it may as well. It's, it's a. Hey, got 22. Right. Why, why is that your dream? I don't care. I don't care. I do not care. Yeah. What year is it? 19. 2019. Yeah. I got at 9,000 miles right before COVID, so it was a steal, to be honest with you. I got it for 20 grand, and it's worth about 18, 19 grand right now. So in my head, that boy math works. Stream kind that he can afford basically $324 minimum. Healthy payment. Cross 300, 300, 300. I, what you said 20,000 or 300? 300. 324. Oh, no, the Chrysler. Yeah. 300 and 300. I always pointed out. So by he loves that car. You had something happen with school, cuz we have student loans. What happened to school? I was going to college, um, and I was kind of like two, maybe hour and a half, two hours away from Austin. And I was doing all right, but I got into a four-wheeler accident. Um, I had to have surgery. Oh my gosh. What kind of surgery? Uh, stomach surgery. I have a big old scar going down my stomach. I had internal bleeding. I basically fell into a 7-foot, 8-foot hole, and I flew out. And wow. Yeah. It's kind of crazy, to be honest. So I was in the hospital for a few days, and I had, you know, like a month or two recovery, and I was so far behind, I just couldn't catch up. You know, it was also, I didn't have a job then. My parents were supporting me, and, uh, you know, I didn't really have friends out there, so it was kind of, you know, it was kind of difficult, to be honest. So I decided to drop out, and it's been kind of hard, you know, paying that back. So, well, it's a 2539. Yeah. Yeah. I can't. I can't pay it back. But it just. What's your monthly payment situation on this? Uh, I haven't been paying recently, but I know it's about $50. But why haven't you been paying? You're the. But it's not under deferment, is it? No, it's not under. Not paying it, they'll garnish your wages. I can pay $50. You can pay $50. When that, when that, Biden tried to pay everybody off, you know, all their. I put, I, he tried to do a forgiveness, and it was struck down a year ago, but I signed up for that year and a half ago, and when I signed up for it, I was told I was going to be paid for. So I had already. No one said it was going to be paid for. If you followed it in any way lightly, you would know that it was immediately challenged and then it was getting the can kicked out down the road until the court decided on it. Once the court decided on it, they delayed it by another. No, see, look, okay. No, I remember. I remember. Yeah. I remember now. When I, when it was right after COVID, where I paid it off, I completely paid it off. But it was a little bit of a while, and then I heard about the law shooting that they said they can get my money back. So I got my money back, and then the lawsuit went away. Why the are you not paying $50 a month? I didn't even know that. That's easy. Financially responsible one. And this is like the easiest bill ever. Yeah. Yeah. I mean, I could pay it off. I could pay it off. I really off. Just, just, I don't know. I don't know, to be honest with you. I just, I want to pay it off, and I need to pay it off. They pay it off. You're missing payments. Yeah. Okay. We have a cash app spending account here. Is that mine? Yeah. This is all yours right now. Awesome. Spent $3,225. Mhm. What does Amazon rent? Uh, I think that was, uh, I don't remember what that was, to be honest. It might have been like a subscription or something. Like, how much was it? $33.37. Oh, no. I remember what that was. That was, uh, recently. That was for your coffee bar or whatever you wanted. All the, like financing. Is that what that means by rent? I don't know what. I don't. Well, a coffee bar wasn't $33. No. All the little decorations she wanted for the coffee bar. Yeah. Decorations. I don't give a about decorations. Get out of. Get decorations when you get out there. Having a fully funded emergency fund. Where's your retirement? I don't know. Okay. That's terrifying. And you both should be terrified that the 37-year-old has zero in retirement. Where's your retirement? Uh, I just got, I just started this job not too long ago, so I've been saving it up. Yeah. What, where is it? Uh, I don't have. I just, just so it's set up, but there's nothing there. There's nothing there. No. So you've given up half, half, first, you've given up the first half of your best decade of compound growth to be able to retire. You've given up your first and almost your second best decade of compound growth, meaning you need to contribute extra on a monthly or annual basis to have a chance of retirement. You not care about retirement? Yes. I don't think she's. If you don't care about retirement, then why have you not contributed a single cent to retirement over the years? Tight money. I don't think she's worried about it because, like I said, like she said, her family is pretty well off, and they do support her so much. Well off? How? I would give me some context. They're all really stable. They all. What's well off? Um, what do you would say? My aunt does. I don't know. She owns. She owns. She owned a house. She just sold a house. She just bought a new house. Doesn't have a care in the world about it. She's so. Maybe she's like set up for her own retirement. What do, how does that mean you're going to be okay for your retirement? How does that mean you're going to be set? Maybe she just has enough to get her through retirement. Doesn't mean she has something to pass down. And would you be the one that would get passed down to? Um, probably not. Then why the this matter in any way whatsoever? Because they bail her out. They bail her out a lot, especially whenever we're, um, like, but not my aunt. Past due. But your mom. And then your grandmother. She doesn't agree with my life. So she doesn't. What does that mean? She says I need to get a better job. I need to pay more. Like, I need to know. I'm too old for this. You are. She's not wrong. Or whoever said that. Who said that? That's my aunt. She's not wrong. My mother didn't teach me any. My mom. My mom's worse than I am. Let me, let me give you a little congratulations on that. Welcome to pretty much every household in America. Personal financial education, almost nothing. I came from a household where they knew nothing about money. They've gotten better since I graduated high school, and I'm very happy to see that. Okay. When I was growing up, there was nothing. There was no lesson. In fact, one of the lessons I had is I wanted a piano. They said, open up a credit card when I was like 18. Yeah. See, that is not an excuse. You are two decades since 18, essentially. That's two decades on you to be an adult, go to the library, use Google, figure something out, and you haven't. So do not blame that on them. Okay. I have. Yeah, I have not. Are to done as far as that. What's a cash app loan repayment? I can't see what it's going to. Oh, I, I, I just borrow money. Uh, $100, but it's only five bucks paying it back. So I always money. How are you possibly? How are you possibly? How are you even close to possibly the financially responsible one if you are borrowing from cash app and paying a 5% interest on it every single time? That's only five bucks though. 5% interest. Yes. I don't see $5 as that much, to be honest with you. I don't care. It's 5% interest. It doesn't matter either way. That's what you're going to get putting into like treasuries or something. So it's just like, you're just giving them free money because you're borrowing $100. What is $100 anyway? Someone making $50,000 a year. $100 should not be a make or break. Why are you borrowing $100 every second? Because I do feel like, uh, I have to support her. And it's like, so it's an immediate deflection under her. Yes. I do. Yes. Absolutely. Absolutely. I do feel like. What do you think? I think it's crap because he makes decisions, messed up decisions without me, like that don't involve me, that aren't paying for me. That sounds like an immediate deflection to me. That sounds like an immediate excuse. I'm making poor financial decisions because of her. I mean, if you want to see it that way. I don't age. I don't know. That's because I also, I got to pay, like, I got to buy the groceries. I've been buying groceries by myself for about three months now. You're also buying Chick-fil-A and you're borrowing, getting going to the gas station, getting some bull. University Market. You're going to the university market every day. Every day at your job. I don't give a pack of drink. You're going there every day. You borrowing $100. You, if you're buying $100. We're not going to the university market every day. University Market. University Market. Apple subscription. Cinemark Theaters. I love the movie. We don't go there if we have to borrow $100. Liter to just survive. Amazon Digital Services. Probably can't afford that. Netflix. There's nothing on there anyway. Certainly can't afford that. Vivid Seats. $214. Certainly can't even come close to. Take it. You're taking out little microloans. Going and getting a drink. Going and getting a drink. Party City. Uh, go in and get in a drink or taquitos or whatever. The gas station. He doesn't want to take lunch. You got to take lunch. Yeah. I know. I get lazy about that, to be honest. Want to take it? Take it. Yeah. I mean, but like, I, I grew up that way, and I grew up eating sandwiches. She couldn't use that excuse. Neither can you. Yeah. I'm not going to lie. She gets on. She gets on me about it with all the leftovers, and we had to throw away. So yeah. Yeah. And she's correct on that. My. Sure. But it's just so much easier. Yeah. No, no. It's easier. That's the point. It's easier. It's more expensive. That's how they get you. You can't do it. You're borrowing $100 every second of your life, and you have things going into collections, and your dad had to bail you out like a child. Amazon Prime. Ate a vending machine. When we have to borrow $100. McDonald's concessions. Concessions. Going and get in a drink. Oh, here we go. Oh, getting some o. Oh, yeah. Dude's having like multiple. This is why he gets away with a lot of. Cuz I don't even know what he spends. Do you know he's using o? No, this is brand new to me. Dude's paying to jerk like every five minutes. Brand new to me. But the reason why with that is, it is the age gap, so I'm a lot more active than she is. But I'm so in wrong. Cuz I smoke here and there, but it's not like it's that much. You smoke like every single week. I don't know, man. You, this comes out to the point. One, yeah, you can't get it for free. Two, uh, it's basically, it can break down to one, one and a half times a week that you're paying. Yeah, but that was, that was just, that was just that one, that one month. That was just that one month. Okay. Okay. I only have access to one month, so I will not accept that. No. So, o, Apple bill. Apple bill. University Market. University Market. O, back at it. 20 bucks that time to get coffee that we have at the house. No. O is the. Oh, I'm talking about the market. No. Yeah. Yeah. Roku. What the Roku sending money out? O, we're back. 10 bucks that time. Sending $80 out. Check in the box. Cabo Bob's burritos. Sending money out. Uh, filmographer and editor who's editing this right now loves Cabo Bob. I've never been there. It's best. That's awesome. Yeah. It's also best to not have to borrow $100 of your life going in and getting drink or taquito or whatever. Taquitos. We're back to the O. Paying the. I'm so mad. If I want to go out to eat, it's a fight. It's a big no. You go out to eat all the time. No, we do. I don't know what she's talking about. We do go out to eat. You go out to eat. You stop at the market. You're essentially, you're paying for that naughtiness that as well. But I also feel like it's cuz I'm getting the, the bare minimum done, so I feel like I have any extra. I feel like I have the right to to enjoy myself. Well, sure. You have the right. Your life, of course. I don't. If that's how you want to look at it, you have the right. Of course, you have the right. You have the right to go out there and run into a pole and die. I don't want you to. And that doesn't mean it's good. But of course, you have the right to be stupid. I just also don't want to be the only one supporting us if that makes sense. Like, I don't want to have to. This is excuse. This is not the excuse zone. I don't want to be. I don't give. How does that? You have to. Okay. So you don't want to support your guys's longer? Fine. Go on your own. But even if you go on your own, guess what? Your spending is not getting you out of the. You haven't paid your debt back in a year of what, according to your salary, should have been an easy payback. Yeah. PlayStation. Back to O. Burger King. Is it really that much? I think it that much. Is it that much? Yes. Oh, wow. Yeah. That also can easily turn into an addiction. Be very clear. I just started getting into your videos right after this, like around January. So then I, no, I've been figuring it out. I, I haven't bought that. Nope. That's not how this works. This is the end of January. This was like a second ago, and you can't. There is, you cannot come on here and be like, I just started working on fixing things. I could say I'm on a diet if I've dieted well for two days. That doesn't mean I'm on a diet. I'm trying to fix it. I'm trying to fix it. Trying to fix it is what? For you. Reality TV shows out there. Tammy said, uh, Big Girl Tammy, very big girl on 1,000 lb Sisters for four seasons. She said, I'm trying. I'm trying. Until she ended up in the hospital because she was dying, and then she actually took care of her. So don't tell me you're trying, and then your actions don't correlate with that by any means whatsoever. University Market. Burger King. Cricket Wireless. It's expensive for $109. It's both of us. Yeah. It's both of us together. So, and that's with insurance and all that stuff. So if I were to break my phone, I'd look at Helium Mobile. I've partnered with them. It's really cheap. It's

Like 20 bucks a month. Bucks, take a look at it. We'll email you. Hopefully, it's better than what happened this morning with all that outage and stuff like that. Everybody, yeah, I heard a couple Bobs were back. Amazon, mind you, we're going through one month. How many things have I been through? Financially responsible one. Financially responsible one, but you also got to look at all the rent and all that stuff too, and all the groceries. I'm not putting in the necessities. I'm only calling out the, okay, why would I call out things you have to pay? See, but I know it's, and I'm trying to fix it. I'm trying by not doing anything that indicates I'm trying. Shut up. Sending out $500. Dr. Uh, or, oh, uh, Basin, uh, what is that? It's the coffee place. Basin Robins. Dunkin Donuts. Yeah, Dunkin Donuts. Yeah. She.com. Poos, something that was a gift card. Gotti Town, Sonic drive-thru, Texas Roadhouse, JD's, Apple Bill, University Market. That was a month. How long does that take us to get through? Five minutes. That was a month. Here's your checking account. $162 in there. We're drawing for Cash App, 16 bucks. Pay with four pay. I bought an Apple Watch. Oh, why do you need an Apple Watch? You don't. You don't. You're borrowing $100 just to survive. Apple Watch. Congratulations. I love it. I wouldn't do it if I couldn't afford it, right? But you're not even wearing it. No, no. Look, that's it. Got stolen from, like, they gave it to me and it was an empty box. So I got all my money back. I got all my money back. So still paying for it? No, I got all my money back. That $98 that you put towards that, all of it. I got all my money back. Cuz they delivered it empty. Yeah, I got all my money back. Join from Cash App. University Market. Oh, we're back. We're doing it on both cards all the time. Uh oh, something. Fanatics. Uh oh. That was a jersey. What for? Who? For a Cowboys jersey. You guys suck. Yeah. And the Lions, honestly, beat you. Let's be real. The Lions actually, well, they didn't, cuz if you look at the scoreboard at the end of the game, you know, it's kind of a W. But I got that jersey for when we went. Did you guys even make the playoffs? We went to the playoffs and we went. That's, and then you lost the first game. We lost the first game. That's hilarious. We're R ey fans. Yeah. See you guys in the Super Bowl. Never in my lifetime. $56. McDonald's. Price Picks. Now we're gambling. Now we're gambling. Did you know he gambles? Price Picks. Resurrected games. Going in, getting some taquito. University Market. University Market. University Market. Quad pay. $56 more. Fanatics to wear to a game and lose. Prize Picks. More gambling. JD's and University Market. My gosh. University Market. What do you buy at the University Market? Oh, every morning I get, get a Starbucks and a pastry. Oh, what a joke. Go to Trader Joe's. Bake a thing of pastries. They're easy. They're delicious. Take them out and brew a coffee. It's easy. We have them there. They're there for him. Where? At the house. At the house. That was 45 minutes and we went through the financially responsible one. I got to call you out, man. You're making excuses. You're deflecting. You're pushing off. You're no. Yes. How? Okay, your scoreboard toward the math at the end. Your statements just told the math at the end. How do you possibly, how do you possibly disagree with that? How do you possibly push back against that? It was reality right here. And if you're not willing to come on and take a wakeup call, then what the doing here? Cuz you also got to look at her money and her stuff like that. It doesn't matter what she's doing. It doesn't matter what she's doing. If your spending is like that, it doesn't matter what you. When I have to support both of us, it doesn't matter. You going to the shop and gambling and doing some o and spending all the money on fast food is not supporting her. I don't know. I don't agree with that, to be honest. How do you not agree with that? Because how do you not agree that going to the University Market is not supporting her? How do you agree that paying the jerk is not supporting her? How are you agreeing that buying jerseys is not supporting her? How do you agree? Cuz I'm paying the rent. I'm buying the groc. That doesn't matter. Did I call those out? Did I call those out? No. I called out the bull that you're spending and you're not willing to agree. You're not willing to agree that you can't afford that. You're borrowing $100 every second of your life and paying 5% on it cuz you can't afford to live. No. Yeah, that I can agree with. But like I said, I do that because I feel like we, I get the bare minimum done. You're destined for failure with that mindset. I'm just going to be real. Like, leave the conversation at this point, honestly. You, if that is your mindset and you are not willing to open up and change, you're destined to be a financial for the rest of your life with that mindset. I don't want you to be you. Even with you, even you being a Cowboys fan, you deserve a live a good life. So I want you to live a good life. Yeah, I mean, I want to. But with that mindset, you are never going to financially. Yeah, reflect on that for a bit, cuz we're starting your documents and kill me. 730% interest rate death loan of insanity. What is this even for? What did you borrow $450 for and then have to pay $1,080 of interest? That was a loan. Yes. What was it for? I needed the money to pay bills. That's what it was. What bills? I thought he was taking care of the bills. That's what I've heard this whole episode. No, um, I actually think that was when we were separated. And so I needed a loan to pay for my, which was over a year. Over a year ago. Yes. You paying for it? I'm not paying on it right now. I have. Why not? You're an adult who signed a contract. I need to pay it all at once. So that, that sound true. That's sound true. That's sound true. You had payments, $139, $139, $139, $139. You're choosing not to pay them. That's not true. Don't I have the documents in front of me? I know the reality. I, yes, I paid because they took out, but I had stopped and I want to stop and paid all at once so it's not as much. That's not how you. But you can't stop the minimum monthly payment. That's not how that works. I agree. Sure, save up a bunch of money and paid off early. That doesn't mean we stop paying the minimum monthly payments. Well, there's, I mean, no point. And if I'm going to pay off at once, no, no, no, no. You can't miss minimum monthly payments. They hit you with penalties. They send it to collections. You, so that's that. I was for, um, yeah. How much do you owe on this right now? Do you even know? Um, I haven't looked at it lately. No. I'll save this because I don't know how to put that in your deck column. I don't even, I don't even know what it's. Okay. Oh, kill me. So a phone that was, you borrowed $179 for over a total 27 payments, buy monthly, $7.7844, and paying back a total of $288, $285, also known as the finance charge being $125 for your phone. What predatory is this? Buying an iPhone. You didn't even know that. Did you know it was this bad? No, I didn't. How? Because I don't look at it. I don't look at. Sign for it. Yeah. Well, that's under, that's under my name. He did. This is yours. Yeah, but it's her phone. But she's been paying. That's where we got it. It's her phone. I'm the one paying. Attention. I know this is hard for you guys, and I'm giving you like, I'm beating into you, and it's for a reason. This is the point of Kitchen Nightmares where we called the bull. Try to get something at the end. Well, let this be educational for you all out there. Learn what you're signing up for. I know a lot of the people that learn things from the show, you're not going to learn the, the same things that like the money guys talk about. This isn't an investing show. This is for the vast majority of Americans who need a wakeup call and get the finances started. Let this be a lesson for you. Finance charge of $1,205 on a thing that was $879. Are we making the payments? Yes. Yeah. I think. What's the balance right now? The last two payments. How many? When did this start? Uh, I was over a year ago. What's the balance now? I think it's about $319 to pay it off in full. So we're almost done with that. I, it was less, but I didn't pay it, so they put another charge on. Ago. Yeah, it was a while ago, to be honest. She's had. How long ago? I'm not sure how long ago exactly. It was a year ago. It'd be paid off. It's a 13-month plan. It's almost a year. Almost a year. Then almost a year. Yeah. I'm just trying to figure out how many payments we have left. Two payments. Two. Yeah. I can pull it up on my phone as well. That doesn't make sense. The payments are $78.44, but they charged me for not paying it. Yeah, because she wasn't working, right? And he didn't want to pay it. No. Not going to pay that. So this is soon as I get paid, that's where it's going to too. Is a kid in the future? No, no. And I don't have to worry about that conversation when it comes to the life you guys are living and what you'd be pushing on. Well, not right now. I asked the future. I didn't ask right now. Oh, yeah. No, not right now. Got to look. It's not possible. So, yeah, it's kind of hard. It's hard for her. So, and that's fine. I'm not, I'm not saying you should or shouldn't. Just trying to figure it out. We both want a kid. That's where we put it. Okay. Well, o is not going to create one, just let you know. It's not how that works biologically. Yeah. Didn't even know about that. Someone tell me. What is this? Your couch. Oh, this is my couch. This is my couch. Yeah. What's the balance left on it? I think it's about $1,800, $1,700 right now, something around there. Yeah. It's not a lot. It paid off some of it. Paid off. Not all of it. Yeah, some of it. Yeah, some. What's the interest rate? I'm not sure, but I was paying about $200. And you guys not know any of the things I'm asking? I just couldn't find it. I forgot about it. And I tried calling them, getting all the information. But what's the minimum monthly payment? Uh, it's $283. Oh, my death. The cost of the couch was $879. Yeah. And after making payments, you owe $18,000, $1,800 on, $1,800. What's the minimum monthly payment? $283. You guys are getting taken advantage by like every payday bull. High interest rate craziness. Yeah. $218 a month. Yeah. I feel like I, I made a few bad decisions from the beginning. And I'm not going to lie, you know, yeah, I did. But I'm trying to, I'm trying to fix it. I, and also wasn't making that much. Have to be behind it before we say we're trying. Well, I mean, I got a new job and I'm, you know, I'm moving up. You've been in this job. I got it about in August, so it's been a little while. Having a new job making no more money does not matter if we spend all the money. You're borrowing $100 to get the next thing. Yeah. Literally making more money does not matter if at all is squandered. Yeah. For sure. Absolutely. Capital Credit in Nevada. That's my car. What, what kind of car do you have? Uh, 2013 Nissan Altima. Oh, that sucks. I had that exact same car. The transmission died almost immediately. That's what I hear about him. Yeah, no, that's absolutely terrible. How many miles are around that? Um, I think it's about 90. It's 90. How does it even survive that long? That car is terrible. I had that exact same. Wow. Good luck. Yeah, I don't know how long this is going to last. Yeah, exactly. But she needed a car, so it's not like we. No, I got you. I got you. But that's, that's a to have minimum monthly payment $318. Are you paying this? I haven't since I've. Oh, no, you. My job. The last two payments. I haven't paid. Haven't haven't. We just paid one of pays. We just paid one of them. So the other ones have all been good on the time. It's the last two. Missing one is missing one. And that's all it is. That's all it takes. I don't care if you made them all. You missed one. You missed it. That I didn't have my job and I'm still waiting to get paid from this one. I know, but you could have gotten a service job. You could have gotten something that was and sucked and no one wants to do, but you could have gotten it cuz they're desperate in this town specifically for an overnight MC nug. You could have done that. I, I mean, I applied. I was on need all the time. Applying, applying, applying to those types of jobs. No, no. It was like, yeah, I, because that, that can't be true. Yeah. And then like, I, to be honest, I don't know. She never. I don't know what your resume looks like. Your resume may have your interview show. Things may have been like, may have smelled like weed when you showed up to the interview. I don't know. No, um, reasons not to be hired. But anyone should be able to with a good work experience, decent resume, skills in this town specifically. I can't speak for everywhere else in the country, but in the town you live in, they are beyond desperate. Hire those less desirable jobs. I didn't get hired. They weren't. I don't think you applied to those. And then I, because you would have said you applied to those the first time I brought it up if you did. And now you're bringing it up. No, I did. I applied on a need to McDonald's. No, not to McDonald's, but I applied to like Target, Ross. Um, no, I didn't want to work McDonald's. I don't care what you want. Nobody wants to. No, no, no, no. It's a temporary situation. Why is this about want? Why does everyone have this on the show? I don't give a about what you want. You're an adult. You're almost 40. You have needs. Needs suede wants in every category. I'm going to be a 40-year-old working at McDonald's. You would be a 40-year-old paying your bills instead of missing them. I applied. I did apply. And then I finally find a job and they took forever. You changed your story like 10 times. If just no, you've changed your story like 10 times now. I'm not going to allow you to just say things that make you sound good. Department of Education. Like, I think this one's yours. I think this one's yours. I think I accidentally got this in her pile. Yes, that one was mine. That's what I thought. This one's yours, though. We have collections. It's raining collections in your life. It's it's raining collections in your life. $194, $470, $528, $671, $817, $920, $14, $1,163, $2,389. It just screams beyond irresponsible, beyond immature when it comes to finances. The finances. I'm not saying you are in life in general, but the finances. Good at least, cuz I'm not. Um, yes, finances. It's a work. Huh. It's so I, I don't get into it. I don't. What I don't. And I need to. But I. What do you mean? What are you? What are you saying? I don't look at all, all of it. I matter. You still took it out. Why are you not paying anything? Ever? Can't not ever. It's not not ever, buddy. You have 1, 2, 3, 4, 5, 6, 7, 8, 9 things in collections over the course of years. That's insane. And they would fall off in seven. So this is insane. A lot of these were 2023, 2022, 2021. That's crazy. That's insane. Yeah, I think those are some of her medical bills. She didn't have insurance. The insurance is not the best where she works at. So, um, kind of be honest. Capital One. That was, no, that's his. That was mine. My credit card. The credit card. Sorry. With these documents, we did have trouble with the screenshots seeing what is who's and how. Tell me about this. Whose is this then? Before I assume. Are you paying your student loans? Me? No, no. This one's hers. That one's hers. I need. I, oh, good. Yeah. So Trans World Systems. So now there's $693, and then $281 to something else, and then $194 to something else. Plus we have $1,000. Who even knows if that's the correct number in student loans that we're not paying? Oh, my death. This is mine. Mhm. Dude, I don't know if I can help you. I hope you can. Uh, I'm a work in progress. Best me. You've been a work in progress for 40 or 37 years. You're halfway through your life. Grow the. Taking money from your savings, getting some taquitos, a loan repayment. You're also taking money from Cash App and then paying it back. That's pretty much all for you. I'm a little confused. You said she's just spending a bunch on bull stuff like that. 99% of. Well, she, she wasn't making, she wasn't making any money, so I was paying like going out to te. She did ask for money sometimes. She was making money during the statement we've been looking at though. No, but like going out and, you know, she didn't want to make food and stuff like that. Is this true? Is this true? Sometimes I would. We, I would go out to eat or would say go out to eat. Yeah. It's not just me. No, it's never just me. It's on your stat. Yeah, for sure. But it's not most of the time. We go out to eat. We go out to eat together. Stuff like that. Groceries are that much cheaper. Is it because you don't want to cook? No, I honestly don't think groceries are that much cheaper. They are that much cheaper versus us two. They are. I mean, it's pretty basic math. If you, you're going through the budgeting program that we have here, you're going through it. Take it. That will probably be more helpful. That probably be like the best thing you guys to do. Do it. And there's a grocery, there's a grocery shopping list there from HB that you guys can follow with good to First meals. They get your caloric needs that are healthy on a daily basis, weekly basis, monthly basis. And it's $300 a person. Yeah, we, we paid less than that. We were paying about $500 for groceries. Groceries. Yeah, but you're eating out. Yeah, so doesn't count. Yeah, we got a whole fridge of groceries in the house right now. And then a card. We're on stupidly together. Oh, there's the Cap One. Okay. Yeah, that's the Cap One. $500. And I pay that every month. But I had to. I don't think I paid that one in time. So, but it's down to $400 right now. I've never used it. Great. It's so it's $100 down. It has to be because at the time of this, you were over the credit limit. Yeah, with interest accruing, purchases happening, more purchases than putting money towards it. Only $50 went towards it. Yeah, but now it's down. It's down to $100. So, oh, good. What is it? Going and stopping and getting some drinks, getting some Sonic, KFC, Le get chicken that tastes like like food, and then P terries. So this is, this is [ __ ] so this is what we're doing then. We're paying late fees and crap and buy dumb. A lot of it's late fees. Makes it hard. Yeah, I know. Yeah, kind of hard. So we don't spend the money going out to eat because nothing on there was a necessity. And if nothing on there is a necessity, and we miss, you make pay, miss payments, then we're just being dumb. As easy as that. Debt payments, $436.19. Net 11.5% of the overall spending for the household. $882.1991, or 23.2% went to housing. $109, or 2.9% went to phone. $232.49 went to transportation, or 6.1%. $488.6 went to groceries, and that is 12.8%. $511.128, or 13.5% went to eating out. $13.69, or 3% went to unknown shopping. That's usually Amazon, Walmart, Target. Thinks we can't determine what came from there. 1.1% medical or healthcare. 1.3%, or $503 went to subscriptions. $458.44. Now $458 and 44 cents, or 12.1% went to miscellaneous. This is you going and getting your coffee every single day. Coffee and whatever pastry you're getting. $476.00, or 12.5% went to other large purchases. The other large purchases were mostly cash apps out of benefit G, uh, Guarant, uh, what, what do that say? Guarantee. That was her insurance when she, um, guarantee. Yeah, she, when she lost her job, we had to pay for insurance. Cash app loan repayments and Vivid Seats. Great. Concert. That's all we can afford right now. Well, that one, that Vivid Seats, we had her friend pay us back because I bought her tickets because don't have a credit card or whatever. But I did our tickets on the zip. Whatever. You still can't afford your tickets. I, but I did it on zip, so I did it in four. And you can't afford that. And that's one of the most irresponsible financial things you can do when we can't afford to make minimum monthly payments on our student loans. Yeah, but those are Cowboys and sh. I'm, oh my gosh, oh my gosh, oh my gosh. You, man. Oh, I'm sure you're pleasant to be around outside of a financial conversation, but you just B everything just bounces off of you. Bounces. It just, it's insane. I put out anything that is reality, and you cannot internalize it. Everything is an excuse, a deflection, a blame. It's insane. She agrees with. Yeah, that better be a cop laugh because at this point, my heartburn is going insane. Of the household, what came in payroll is only $3,036. From, yeah, that's just mine because she wasn't working. So what went out? $3,799. That's probably just extra money that we had previously. No, you have no money. You're borrowing money. Your credit card balance went up. I know it didn't. Sense that statement, but okay. It's no, it's money you did not have. Plus, there is barely any money starting the accounts to begin with. So no, that's not true. Don't even make. At least I don't spend. Oh, I want to make a budget. I don't think you guys are even close to the same page. No, we just fight about it. You fight about everything. You def fight on everything. You know nothing when it comes to finances, and that's okay. They're both okay. You're having a natural human defense that is totally natural within human psychology. You just have no education and personal finance. You both have your own addictive tendencies. You with the O, you with the, you with gambling, and you with, yeah, it's all I. That's the only thing I spend. Yeah, but it's a lot. The only thing. It is a lot. It's not money that we have. I don't think me making a budget is going to be helpful. Um, I think it will, especially with her. With her, she just got another job. So, I know, but I don't think you guys will fall. What I say? You didn't even listen to like, any of the. I said it all just bounced off you. I'm just trying to see what's effective for selfishly, just my time. So I don't think it's going to be worth anything. I. We want to change. Yeah, I think we do. Oh, this is, this is. I'm going to freak out if I hear I, I'm trying, or I want to. If none of that is backed by any actions, it doesn't matter. But we've also been making the wrong choices. So I think we need to like a guidebook. Like a little. You're going to go through the program. Go through the program. But as well, in your mind, how are you paying the loans off? What's your strategy? Do I want to keep working the same overtime that I'm doing, which is more than enough to pay my bills and pay on the loans? Yeah, but are you going to? Because every time we make more money, uh, uh, it all just goes to instead of putting extra towards the loans. Yes. As a household, the one is there. Yes. So I can make the budget again. I can make it. Whether or not we follow it is. And I don't think you will. I think what's more effective. Have you guys ever been to couple therapy? Have you guys ever been to couples therapy? We talk about it a lot. We haven't. Okay. I know it's hard within your insurances or whatever, whatever you guys have. I don't care. Let me cover the first session. Find a couple therapists that were for you guys. Let me cover the first session. Just so you guys can see if it's even something that might work for you guys. Let me cover the first session. I think that if you guys are not on the same page, I can make a budget all day and it won't matter. But if I can start getting you guys as a couple working together and on the same page better through someone who's mental health qualified in that way, because that's not what this conversation is ever going to be about. We're just about finances. Start there. Start there. The relationship needs to be the core thing that we're bonded on here before we start. You, you could follow the budget and she could not. You could follow the budget and he could not, and then it's just, it all falls apart. There's no point. So let me pay for that first session. See if you guys like it, and then continue it if you can. Uh, and you should. And, uh, go through our, uh, budgeting program. Go through our budgeting program. And then get connected with all the other resources that we're going to send you as well. And stay in touch. And then let us help you. But right now, making a budget is going to be, honestly, a waste of my time, waste of the audience time, because you guys are not going to follow it. At the certain point, we need to take care of the relationship right now. Yeah. I, agree. Yeah, absolutely. You know, especially, you know, we've been sometimes we, you know, add each other's necks. Both our parts. Yeah, both are parts. Absolutely. Um, but, you know, and also if you're looking for more on his part, cuz you're an Austin to Tech City, I'd be happy to also. I like to do this for guests that seem like they might not know what they're doing in their career field. Let me send you a link to course careers, who I partner with. There are different certifications. If you're interested in any of those, I'll gift you one as well. Yeah, like, do you want to make this work? Like, that's education. Get certifications, and it might help a career change. So let me gift that as well. Um, if that's something you're interested in. There's also no pressure to do that, of course. But what scares me is you guys have nothing extra for you. Extra, extra, extra for you. Nothing in retirement. That is the most terrifying part of this. Collections, we can just let sit. It'll fall off. Whatever. It'll credit. That's fine. What happens if something happens to you and you just, you have no money? You're going to be living on the streets. Social Security, we can't really rely on that by the time we retire. It's because I have my family to rely on too, sometimes. For now. For now. For now. What if they're just like, what if they just like, we've tried to help so many times. We're just. First of all, they are just enabling you to be very clear. They are just enabling your bad behavior. They are not helping anyone. It whatsoever. So they might cut it off. And I think they honestly should. I would because I think that would actually be more medicinal to you. And at that point, what do you do? So you have nothing in retirement. And that scares me. I need you guys to go to the couple's therapy. I need you guys to get the relationship on a solid foundation. Get aligned, aligned on your finances. Then go through the budgeting program together. Take it together. Take the quizzes together. Build out your budget together. Get connected with the other resources we send you. Feel free to accept your gift of certification, looking to better career options. Go from there. Pay off the debt through the budget as quick as you can. And I'm willing to help you in that time and talk about the order to pay it off again. I don't think it's productive for this conversation right now. Do that. Save up a full six-month emergency fund for each of you because you guys are not married. So whatever it takes for each of you to survive on your own, do that because we know you guys can take breaks. So don't get in a situation where you're both taking payday loans out again separately. That's insane that that happened. Stopped doing that. Ab. And then at that point, you need to start contributing maybe 25 to 30% on a monthly basis to retirement. And you need to start contributing about 20%. We can start opening, uh, 10 tax advantage accounts. And then once you max out your tax advantage accounts and potentially 401ks, is whatever offered at work. We can start opening brokerages and stuff. I use Mumu, that's a good one. I can get you guys set up with that. We just need to start maxing out those accounts and investing. And from there, then we'll finally start to have a financially secure life. And you guys can retire. And the financial stress of the relationship can finally be minimal. Until then, dying in poverty. Dying in poverty. Relationship is never going to last. That's the dark future I see if we continue down the path we're going. Absolutely. Let's not continue down that path. Be receptive to change. See couples therapy. I mean, we're in collections. We have nothing to save for retirement. There's no emergency fund. Our spendings beyond out of control. Every single category of our H financial score category is zero. So Hammer Fin. You said six and then a four. You said five. That's a joke. Hammer Financial score for both of you, zero out of 10. Make sure to check out all the resources linked in the description below. They are what I use, would use in specific situations, including the best budgeting program in the history of the world that they're both also going to take. Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of financial audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at cam.com.