Transcription
Okay. So, we know what comes in on a monthly basis. How much did the household spend last month?
>> Uh, probably like 7,000.
>> Yeah, cuz you're the knowledgeable one, right? Or who's the knowledgeable one about the household finances?
>> Me. Okay.
>> I look at it more often than she does.
>> You look at it more often. 7,000 came in. 14,000 or 14,000 came in, 7,000 went out. So, you only spent half. Wouldn't debt be paid down though if only half was spent or where would it go? I would think, which is why I just said it. So, please tell me how that how that works.
>> Well, okay. So, we went on a we went on a big trip.
>> That is spending. That would count towards money going out. Do you not count that?
>> No, it just I just count bills.
>> Okay, let's reassess.
>> You said household expense.
>> I did not. I said what went out versus what came in. I did not say household expenses. Okay. Well, wasn't I've never sentence is like 7,000.
>> I would also like I'd like to reassess this. Okay.
>> What went out? How much went out? Boom. Household income. That's probably what I said. Household income. How much went out?
>> I'm telling you, probably like 65 $7,000.
>> That doesn't make sense. You just told me that household expenditures expenditures are $7,000.
>> Well, you're supposed to make it make sense. You You said you went on a trip.
>> We did and it was great.
>> Okay, that would probably mean your the money went out is more than just your household expenses. So, how much do you think went out? How much the do you think went out? How much do you think
>> 10 $10,000?
>> K. Where did it go?
>> To the trip. I just
>> Where did you go? to the Philippines.
>> Is that where you're from?
>> Yes, I'm Filipino.
>> Okay.
>> Full bread.
>> Congratulations.
>> Thanks. It's pretty great.
>> So, yeah, it was $25,000.
>> What's $25,000?
>> That's the number that was spent. That's [snorts] what went out
>> last month.
>> Last month. No, we don't even make that much money. What are you No,
>> that's the point. That's the conversation we're having.
>> Somebody miscalculated.
>> What are you on here for? What are you on the show for?
>> To fix finances, Caleb, and to save my marriage before I
>> Why the did you just say that? Cuz that's the dumbest thing I've ever heard in my life.
>> Because there's no way we don't make We don't even make that much money a month.
>> That's the point. You're in debt. You put more on debt. Your debt went up. You mean like on credit cards?
>> That is a What kind of person did you guys find?
>> I'm concerned that she doesn't have No, no, no. I'm concerned she doesn't have the mental bandwidth for a conversation involving numbers. That's the like credit cards. Yes, like credit cards. Are you kidding me right now? What are we talking about? Well, cuz you asked how much came in and then you asked how much went out. So, I thought,
>> are you pranking me? Are you stupid?
>> Neither.
>> Is she on board to get the finances fixed?
>> Like,
>> what have you guys talked about moneywise now?
>> That we need to get our
>> Yeah, I feel like you said that.
>> I did say that.
>> Cool. Where's her head?
>> She's hopefully on board. I don't
>> Oh my Did they leave you? The other marriages? Did they leave you?
>> No, I left. Um, rude. I filed for the divorces. Probably not.
>> You filed for the divorces. You're going to just get like lost from the house.
>> Yes.
>> Okay. Okay. Fine. Fine. Fine. Fine. You left. Whatever. Whatever. Whatever. What is the conversation that you guys have? You don't even like know. You don't even like know where she's at, right? Is that what I'm hearing?
>> Not 100%. Like we
>> Why? Why not listen to her? Or does she not talk? What is the state of this conversation? I need some kind of insight.
>> We just talk about it sometimes, but it's not it's finances are hard conversation. So like we don't budget or anything. We're big on We're really big on convenience.
>> On what?
>> Convenience.
>> Oh, okay. I'll get you guys obviously on my budgeting app. Make sure you guys download it. Link in the description below. I'll get you that for free, the premium version for free and everyone that gets the premium version gets a signed cookbook mailed directly to them. So, yay, you get that and then you guys can budget. But my concern is through this conversation, you're not actually able to tell me how these conversations go. You say they're difficult cuz they're money. How do they go? Walk me through the last conversation. Um, how long ago was it? I I know it might be difficult for you to remember more than a week ago.
>> Oh my.
>> We don't talk about money. It's just like, okay, we have $2,000 left in the account.
>> This world is broken
>> after bills are paid. You say you want to get out of debt and you've told me you guys talk about it. I just want to know what her opinion is. What's hering opinion?
>> She agrees. She agrees that we're and that we have to change habits, but we don't.
>> Do you guys Do you guys agree on what you have to do?
>> Yes. But
>> what is it?
>> I feel like Well, obviously we have to budget.
>> It's a good first step. So,
>> so what what
>> I feel like I see our finances with a little bit more reason than she does and she likes to spend unreasonably.
>> So, she's not willing to cut back?
>> Yes, she said she is. I just haven't seen it.
>> Have you cut back?
>> Yes.
>> I feel like you probably haven't. Well, not this month. No.
>> Why not this month?
>> We just got back from vacation. I'm still on vacay mode. No.
>> When did you get back?
>> Like two weeks ago.
>> Philippines. It's expensive travel, but it's cheap when you're there. So, it's like what? 2 weeks. 2 weeks. Vay mode. Is this the new stupid version of birthday month that I'm being
>> Well, we did spend our birthdays over there and we were also there for three.
>> How long are you guys there?
>> Three and a half weeks. It's a long It's a long I I get the other side of the world being longer than normal cuz it's a it's a long trip.
>> It's an 18 hour flight.
>> Exactly. But you're back. It's time to buckle up.
>> Yes.
>> Tighten the belt.
>> You had your vacation. You guys have an insane amount of debt. If I don't start going through this step, we're never getting out of here. Okay. All right. Where do you think your household? Do you know what that means? It means you and her. Okay. Where do you think your score would be financially? 0 to 10. Zero being the worst, 10 being the best. 10 is a number. So zero. You can give 10 numbers in between there.
>> Five. Five. Mhm.
>> Have you seen this show?
>> Yes, I've seen the show all the time, actually. You're welcome.
>> Were you closing your ears and eyes while it was playing near you? You think you're a five? This is some of this is the one of the biggest stacks of Okay, guys. If you want your Hammer financial score, you're not a [ __ ] [ __ ] Sorry. Sorry. Go to calebhammer.com and you can also click the link in the description below and take the assessment. See where you stand financially. If you want to come down here to Austin, Texas, we'd be happy to have you. Go to calebmer.com/apply. All right. Okay. Sure. Let's talk about this stuff. Oh, what? No, we're just starting with like aing insane balance. We do spend $25,000 a month somehow.
>> Shut the [ __ ] up. Yes, you do. That's literally what you do
>> on what?
>> I think we're going to find out. Something tells me you've seen the show before that we might find out starting now. Southwest Rapid Rewards. Okay. So, $14,372.92. Minimum monthly payment $480. That's crazy. What is up with this card? That is a crazy balance. A crazy minimum monthly payment. Even with your super strong income, that's a devastating minimum monthly payment. Devastating. Please tell
>> that's not my card. Well, it is now mine, but
>> there it is. You figured it out. You got there. Well, legally, but depends on a few things in the end. But yes, I think it is best in a marriage that we consider it all ours. What hit you out of the What made you come out of the gate with it's not mine? Because I didn't concerns me about your guys is this fastm moving 50 marriages before 30 lifestyle. Like
>> I couldn't even get approved for a $1,000 credit limit in a lifetime.
>> You probably can't imag man manage it. And yes, you would. But
>> what what's going on with it? Do you know?
>> Oh, you don't even know.
>> Well, okay. So, I think that card was used.
>> This is Southwest. Did you use this for plane tickets to the Philippines?
>> No.
>> Okay. It was used for our very first couple trip to Las Vegas.
>> How often do you guys travel?
>> All the time.
>> Okay. You're broken.
>> You guys, we're not.
>> No, listen. You guys can't afford life. You simply can't afford. You don't. Your debt goes up. That's why you're able to spend what you spend. And it's going to get pushed to a limit where you guys aren't going to be able to make it. And bankruptcy will be forced to just not going to like go see the world.
>> Yeah. You're just like not going to go see the world. You You said it. You figured it out.
>> We're just not going to go see the world because
>> you're not going to go see the world.
>> Credit cards just manage our lives. Ye
>> Yes.
>> No.
>> Well, what's the
>> then? What are we doing here?
>> You're supposed to help us.
>> In what way? I'm not a magic pill, buddy. If I say, "Hey, maybe you can't do a luxurious vacation once a month and that's why I earned dec."
>> Okay, First of all, it's not even once a month. Go off. If I just give literally the most basic thing and tell you to cut out the most expensive thing that maybe you do once a year instead, Max, WHICH I WOULDN'T EVEN DO. I'D GET OUT OF DEBT. Then maybe maybe you'd be willing to cut that back. So, I don't know what the is going on here. This is so stupid. This is so stupid already. So dumb. This is the first card. You have to be receptive. If you're sitting at this table, you have to be receptive or I'm noting filming.
>> I am receptive. I just don't agree with your logic.
>> Please explain.
>> I mean, you know, everybody everybody has debt.
>> No.
>> Oh,
>> everybody has debt and I'm just not going to have we're just not going to GO SEE THE WORLD
>> and not go travel just because credit cards have to be paid.
>> Oh my. You have you have to go make memories.
>> You have to go make memories. What are you gonna do? Just stay in your house anding work all the time.
>> No, you literally Oh my gosh, buddy.
>> Is that what you do? Is that where you're just so miserable all the time?
>> Well, yes, I am building a business here. So, I do put in more work than you've ever put in in your entire life, but I also have results to show for it. And you have now Amazon.
>> Um,
>> her favorite thing.
>> So, I think those are just shots of Yeah, those are the things we buy on Amazon that are groceries. Uh-huh. Got cat food. Crave grain. More cat food.
>> Death Wish coffee.
>> Yeah. So that's a every other Yeah. It's really good. It's every other month subscription for a 5B bag.
>> Okay. Great. All right. City Advantage Platinum card. Now this is a thick boy.
>> Yeah.
>> Yeah. What is going on here?
>> Is this the American Airlines or the Costco? American Airlines.
>> Okay. This one is uh I don't like this card. It charges me $99 a year. I'd like to have
>> Why is this here, guys? Come on.
>> I'd like to have it closed before.
>> Close it then.
>> Before Well, I have a
>> You mean pay off the balance?
>> Yeah. I want to pay the I don't want to close it cuz they charge you $99 to have the card.
>> Um
>> Yeah. So, close it.
>> Yeah. Can you close it when you owe Still? Typically, yeah, I will get it closed. Um you'll
>> still have to pay off the balance. Doesn't go away.
>> Yeah, I know. I just I thought we had to have it paid off before we could close it. Typically not, but maybe.
>> Okay.
>> So, we we opened this.
>> Why is this here, guys?
>> We had it a long time ago when we were like, we have family all over the country and we used to use the flight miles. We haven't used them in over a year. That card's worthless to us. Like,
>> you haven't used it in a number of years. It's 1,000 hours from being maxed out. What the are you talking about?
>> Like, I mean, no, I meant the flight miles. We haven't used those in over
>> Why is the balance so high, guys? I don't care about the flight. I don't care about this. Why is it where it is?
>> So, we just opened in 2021. So, a long time ago, I don't think you know what that phrase means.
>> Truth. Um, there's a $5,000 loan that we got on it cuz when I wrecked my car and we had to
>> loan like a separate
>> Yeah. So, it's separately interest. It's like 12% which is still stupid.
>> Yeah.
>> Um, so this sucks. Uh,
>> we did this.
>> I don't know what you're talking about.
>> There's a It's like a $5,000 like separate interest. Like it's like a pay for plan.
>> Yeah, Yeah, Yeah. Yeah. It's a 27.74% interest.
>> Well, no, I'm sorry. The $2,000 one. It was originally 5,000, but it's down to 2,000 now.
>> Um, there's two separate ones. It's a 2,000. Yeah, that one.
>> Um, that was orig Yeah, it was originally 5,000.
>> City flex.
>> Mhm.
>> Loan rate until paid in full. Hold on.
>> Um, okay. charge the plan for $25. Interest charge on purchases $129. Then charge the standard purchase was $1.37. Okay, so interest charging across the board like crazy. Again, we're at $8,125 with a $368 minimum payment. Not insignificant. Luckily, you guys make money.
>> Well, in our
>> takes 17 years to pay off the minimum monthly payments the way you guys are doing it. Congratulations. You're going to be approaching 60 by the time this is paid off. Yeah. So, we um weren't always so close to the credit limit. They've decreased it since then, which is fair. I would like to close it. Um but the $5,000 was so we could pay our taxes and title on our car when we wrecked it and had to get a new car. And
>> I should have I
>> You didn't have GAP.
>> I did have GAP and I put my money toward my down payment and then I forgot that I was going to need to pay the taxes and title separately. Don't roll it into the loan.
>> And so that was right when I
>> Well, you did roll it into the loan. You took out a 12% loan,
>> which is higher than your car interest rate loan. Yes.
>> So, it would have been better to put it in your car loan technically.
>> They just didn't put it in your car loan back then for that.
>> They wouldn't allow it.
>> Wrecking my car was a big setback cuz
>> when was that?
>> I wrecked it in August of 22, the month I took my new job. I totally
>> This was just two years ago.
>> Yeah. So, it was a setback because we had a really great interest rate and a great payment and a great purchase price on my car and then now we have the same car for it and and our insurance went up a lot and we have the same car with a higher interest rate and a higher payment
>> cuz everything the price of everything went up. Like even like I got my money's I got what I owed and then some back on that car and we put what we got back on my car as a down payment just to get it down close to what we paid on the first one.
>> All right. All right. We'll get We'll get to the car. We'll get to the car. Wells Fargo $1,6453.
>> That's the car.
>> That's the minimum monthly.
>> Yeah,
>> that's an insane minimum monthly. What possible car is this?
>> It's a Tesla. Tesla Model What?
>> Y performance
>> for $1,000 a month. Tesla Model Y, that's like a Model X type pay payment.
>> 1100.
>> It was um It used to be 7 like 64 and we had a 2.4% APR and then when I totaled it.
>> Guys, the interest rates for these cars right now are 0%.
>> I know. It makes me sick. It literally makes me sick cuz when we bought it, the price of the Model Y went up and then I had to get a performance to get it quicker. And
>> why [snorts] do you need it quicker? What are you talking about? It already goes quick. Well, back then like I waited eight months for my first Model Y. Like I was on the waiting list.
>> Get another car.
>> Yeah, that's what I should have done. But I was I didn't want to go backwards.
>> And the audience will hate me saying this. I get it. I also couldn't go to a other car.
>> The two months I drove a gas car was horrible. And I
>> No, it sucks. People don't really understand.
>> And all the all the car prices were going up and at that
>> But also, I don't give a could you afford this? Does it really make sense? You're paying $1,000 a month. It was the same month I took my new job and I could afford my other car and it was the same month I took my new job.
>> Less a month with a lower interest rate.
>> Yeah. And also my insurance was 180 before and now it's 360 cuz I had a car accident and I told my my Tesla.
>> What was the accident? What happened?
>> So I was getting off on an exit that had construction. So it was a makeshift exit and both the barriers were on the white lines. So my car didn't even tell me that I was clo cuz it wasn't registering I was on the white lines. I just clipped the right side of my car when I was exiting. I just
>> That totaled it.
>> It like tore off the whole front tire.
>> Why aren't you looking? Why do you need the car to tell you? I'm
>> No, no. Just you know how Tesla has those warning signs that they'll beep at you if you get close to the white line. I was just too close to It's just It was really narrow. They had both concrete barriers on both lines.
>> I get that part. Why' you hit it?
>> It was accident. I'm a shitty driver.
>> Then you shouldn't be driving.
>> Glancing at that big nice screen.
>> No. Right. No, it was like 6:00 in the morning and it was my very first trauma meeting that I was hosting and I was nervous.
>> You shouldn't be driving if you can't do that. I'm confused.
>> There's a lot of people out there who know me who will not disagree with you that maybe I shouldn't be driving cuz I am a horrible driver.
>> No, this is like an actual societal thing.
>> No, I can I can drive. But I I clipped I clipped the right end the the right front end of it and that's what total it did cuz it ripped off the tire. ripped off the tire.
>> Like I clipped total I clipped the front of the car and it just pulled the tire off. I honestly thought that I mean anyway it was total the insurance completely paid off.
>> Completely paid off and we had
>> and then we had extra
>> and then you worse.
>> No. And then he was like we should just buy a cash card. I'm like no.
>> Yeah, Maybe let's talk. [laughter]
>> What? What is your thoughts on this buddy?
>> I didn't want to get a Tesla in the first place. I wanted to keep our paid off Equinox.
>> Sounds great.
>> She traded it in. Got a Tesla. That was the first Tesla.
>> Cool. Wait, why why why you guys were in a disagreement with this? Why'd you lose
>> cuz
>> I don't know. She was able to convince me that it was a good idea to get the original Tesla.
>> How much did you yap at him for this convincing?
>> Not that much.
>> Are you sure?
>> Probably. No. I I
>> was it because mama makes the money, mama gets to spend the money.
>> I've always loved my job and I did not love my job at the time and so driving to work was literally a nightmare cuz I worked in a ER as ER nurse during CO and CO was still very big. I know. I know. But I wanted to enjoy my drive to work and I've never not had a car payment. I've always had car payments my whole life.
>> So we're going to enjoy our drive to work because we get a car payment.
>> No, like I was about to pay my Equinox off. I knew I could afford it. And so I'm like, if I'm the one driving to work, I'm the one making the money. Like, I would like to enjoy my drive to work.
>> So, the entire household. Okay. Okay. Okay. Yep. Yep. Yep.
>> Basically, yeah,
>> that's great.
>> He didn't want it. I did. It was me. And
>> And then why' you win though?
>> Why did you get the win? Why did you get to win the I get the the house award?
>> I don't know.
>> Cuz we also know that the price of these cars have gone down.
>> I know so much.
>> Oh, yeah. We bought at the the
>> the worst time. They aren't really going down anymore, but they they increased their ability to produce these more effectively. They pushed out output. There was more supply. It was, you know,
>> it is the best car I've ever owned. I will say that
>> Model X is better. But
>> I could see that I like No, like I was joking.
>> I just I I don't know. Like I at the time like I really just We had already talked about getting a Tesla. He says he didn't want one, but
>> I don't care. What I was just trying to say is that it's worth $29,000, but you owe $45,000 on it.
>> I know that's We looked at that cuz we were [snorts]
>> Okay. So, oh, she's thirsty. All the spending makes her thirsty.
>> I know.
>> Okay. I'd be thirsty if I could.
>> My mom used to tell me this thing that I'm broke cuz I want to be.
>> Yeah. I mean, you wanted the Tesla.
>> Mhm. She's like, "You're broke cuz you want."
>> There's nothing wrong with getting a Tesla or a car. And you guys honestly probably could have You guys are in a financial position where you could have you could purchase a Model Y in cash today.
>> Yeah.
>> I used to live by this. I don't see life like I feel like a car payment is just part of life. And recently I've come to learn
>> you guys didn't have a car payment. What the [ __ ] are you talking about?
>> We still did. I paid it. So what I did
>> was about to be fully paid off.
>> It had like two years left. And so what I did is I
>> What are you guys talking about? Cuz I He told me there was a paid off car.
>> It It wasn't paid off.
>> It was a year. It was within a year. I increased our car payment to $900 a month for a year. Six months.
>> Insane. What is the term on this? Um, it's I don't know. I think it's the five-year one. I But
>> 7% not great.
>> No. So, my Equinox I increased our car payment up to $900 and paid more on it. So, to see if I could get if if that was something I could afford cuz I knew that the Tesla was going to be expensive and I
>> could you afford it if you cut back on everything? Sure. Does it still make math does is it good for the household? No, not necessarily. So, that I mean there's different conversations. makes everything harder. And And then you accidentally bought $100 for autopilot that one time.
>> Couple times. Yeah.
>> A couple times.
>> What? How do you do that accidentally? A couple time. What? What do you
>> I just I don't know. Sometimes I do the
>> You saw full self-driving. Are you talking about that?
>> That one. It's full self-driving.
>> I did that in July for a month.
>> How do you do How do you accidentally in May? It was It wasn't an accident. I did autopilot. I This conversation is irritating me. This conversation is starting to irritate me for sake. City double cash. Are these all are who? What? Who's who's BUT ARE THEY BOTH YOURS? Are they each other? What? Who? City Double Cash. What? Who?
>> So he opened that one.
>> Yeah, I open.
>> Okay, tell me about it. Cuz you're basically Well, couple thousand from Max.
>> Yeah. So, I opened about four I opened four balance transfer cards a couple months ago. Oh, we transferred balances off of
>> Okay. And what is that helping other than interest? Because you guys aren't changing behavior. Not for a single second. You guys just get you're going to make your debt worse. Every time everyone does this in your guys' situation, the balance transfer, then the card that no longer has a balance, they build all the way back up again. You realize this, right?
>> Yeah. Those people hoping that's hoping doesn't get us there. Hoping doesn't get us to not spend money. Hoping is not a strategy. What the are we talking about?
>> We want to get a wakeup call so we can get our life together.
>> I'm not a magic pill. I can help you understand your debt, get a budget, connect you with resources. Absolutely. Like for example, I mean, we're going to put you through the debt class, the budgeting class, the investing class, which are, by the way, all bundled for 25% off right now. You guys get to go through all that and you should together go through all the quizzes, go through all the education. You get that.
>> Yeah.
>> But unless you guys put in the action, if it matters,
>> you know, I go to school, I do all these things. If I go to like a music class, not if it matters if I don't go home and practice. And then guess what? We overdrafted. I'm I'm guessing that's what that is. Cash reserve manual payment.
>> Oh, is you think that's Kohl's?
>> No, no, no, no. I'm going forward. I'm moving on.
>> Okay.
>> Yeah.
>> Is that overdrafting
>> in this version of this checking account? What is that?
>> So, basically, if you have a good amount of income coming in, um, my bank will give you money on reserve and you can take it out. And
>> wait, wait, wait. What the What does that mean? Where does it go? Explain, please. So they it's like a payday loan I guess with your bank.
>> So you activated that. It's not automatic.
>> No, no, no. It's automatic.
>> No, no, no, no. What? I'm so confused.
>> Oh, did I take it out? Yeah, but
>> what how does this work?
>> They It's called cash reserve. And one day I logged in and I had it and it was like 750 uh limit. And
>> so you can preemptively borrow up to $700.
>> 750. Yeah. 750. So that's what you're doing. So you're coming in here and you're borrowing 60 bucks and 81 bucks or you're that's what's going to paying that off.
>> No, that's going to pay it off.
>> Me then? What is What is this earning earning payment?
>> That's a payday loan. That's the That's the other ones you don't know about that you know of now. Yeah.
>> I asked if this was all your debts. You said yes.
>> No, I said I have other payday loans. Remember?
>> No, but I asked once we got through the collections. Is that it? Oh, well,
>> what do you Sorry.
>> Yeah, No, it's okay. Um, earring. It's just a payday loan.
>> How much you owe
>> right now? 260. It's coming out tomorrow and then Yeah.
>> What do you mean it's coming out tomorrow? You're paying it tomorrow?
>> Yeah.
>> It's done.
>> It's done.
>> No. Stop. Lock your credit. Lock your credit. I need you to lock your credit. And I need you to never be able to apply for credit again. You are the furthest person from a credit card person I've ever seen in my life. Oh my goodness. Dude, no. Just stop. Please. Okay.
>> Please. You're heading down a dangerous path and I I cannot I do not want to see you down that path. You're scaring me.
>> No. That's why I'm here. Like, seriously.
>> Good. I'm glad you're here because if you're I'm glad you're catching this at 27. Cuz if we were still doing this in our 40s, man. Oh. So, payday loan. Payday loan. Payday loan. Payday loan. Zelling out money. Zelling out money. Zelling out money. Uh, debit empower. empower reoccurring payment. Amazon selling out money. Chick-fil-A, you know, the necessities of life that we are choosing over our responsibilities. We are borrowing payday loans to go to Chick-fil-A. What's possible finance? Is that another payday loan?
>> Yeah, the first one that you saw.
>> Oh, thank
>> with the 200 something% a year.
>> Cool. Is there any money left owed on the cash reserve?
>> 750. What's the interest on that?
>> I do not know.
>> New rule.
>> Yeah,
>> we don't sign up for anything. We don't even know. Starbucks, Beauty Master, Taquitos, Uber Eats, Auntie Ants, Atlanta today. Don't even live there anymore. Uber in a human beauty. I think
>> a human being. Oh my god. It's like coffee. It's better than
>> Oh, that's great. Yeah. You're never doing it again.
>> That's not true. We're working till we can do it again, but we're not doing it for a while. Yeah.
>> Guess what? I make some killer espresso.
>> Espresso.
>> Do that.
>> Get a cheapress machine.
>> I kind of saw that machine. I wanted it yesterday. The espresso.
>> It's an expensive way to do it.
>> Yeah. [snorts]
>> Zelling out money. Amazon. Why are you selling Facebook? $110.
>> No. So, I um got my makeup done for the Drake concert and I don't know why it says Facebook, but it was to the
>> You can't afford concerts. You can't afford concerts. I'm sure Drake is lovely. I'm sure he's a fantastic human being. Great Canadian. Awesome. Good. Good export from that country. Guess what? Your kid's future matters than you seeing Drake. Straight up.
>> Yes. Absolutely.
>> Okay, then. We're not doing Drake. And we're certainly not spending hundreds of dollars to do our makeup for Drake who will not see that makeup.
>> I saw him. We made eye contact. So
>> yeah, you think he made eye contact?
>> No, I was right there behind the little um booth that he goes up and does DJ thing. So So my shirt I like what Jake
>> Great. And guess what? You were in complete darkness cuz you were in the audience anyway, so he didn't see it. And you chose makeup over your kid. So great.
>> No, no, no. My kid has everything he needs. But the future, but the future I get it though. I get it. [snorts] Then don't try to ever justify that again because the future his his
>> Yeah, his. Yeah,
>> his future matters. Your future matters.
>> Yeah,
>> it does. Float me.
>> That is a paid loan. That's done.
>> I need you to lock your credit immediately. I wish I could take your credit, burn it, and make it make make it never used again. This credit's not helping you at all. You're just being like abused within the credit system. taking out $160 ATM. Who knows where that went? Probably going to the Drake concert. Zelling out. Zelling out. Zelling out. Ross stores. Ross stores. We're doing lots of lots of shopping in the In and Out. We're going to In-N-Out. We're getting terrible burgers. Rent or something to the apartment. Yeah.
>> Amazon. Ross stores. We're back. Sorry. What? Uh the Kohl's or whatever. I got that confused for Ros Stores, which you go to all the time.
>> No, [snorts] that was just to get outfits for um Nothing. Nothing. Keep going. Sorry.
>> Yeah, Not for Drake. Hm. Right. Yeah, definitely not. Definitely not for Drake. Great. Cookie cutter cleaner.
>> Actually, those are workout clothes. So, Ross,
>> you didn't have any clothes
>> for working out? No, I just hired a personal trainer and so we've been doing that.
>> No, I need it. Maybe I want to go back to the old me cuz
>> it just it just becomes very complicated because yes, I'm all about that. We we put money into mental health. We put money into physical health. I'm good with that. We're taking out payday loans. Literal payday loans. Three payday loans. Three payday loans around here. Four payday loans around here separate and then multiple of each.
>> Yeah.
>> So that I I It's a hard It's a hard time, man.
>> It's hard for me to say.
>> I feel like I definitely need the personal trainer.
>> Cookie Cookie Cutter cleaners trainer.
>> Cookie cutter. No, they they're amazing. They had to come and clean the house when we first moved in cuz it was like ridiculous.
>> The landlord didn't pay. Um, they paid because they they had the people come out and change the carpet immediately. But yeah, I mean the place needed to be cleaned for sure.
>> One time.
>> Oh yeah, that was just one time. That was it. But when I'm better off, I would like for them to come back.
>> No, no. When you're better off, I'm totally if it fits in your fifth 20 when you have a fully funed emergency fund and no bad debt. Absolutely. Uh, guess what? No, we're not there. ATM $260 went out. ATM $200 went out. ATM, by the way.
>> [snorts]
>> Drake, how much was a Drake tickets for you? Just for you.
>> So, that's a story, but it was like um $6.
>> So, over $1,000 for this lovely Drake.
>> But when I literally got to the front, my tickets had voided. I died literally. And um they made me go to the box office and they were like, "Oh, we're sold out." Basically was cried. And then the manager was like, "32 for two tickets." So that's what I bought it for. And I got my refund from ticket master.
>> My life is about to be void going through this statement.
>> Merch. I spent a lot of lot of money.
>> Oh yeah, because that's coming up. Great. So, we're spending more than $1,000 for Drake when we don't have We don't even We barely What is it? Let's get to it. Let's get to it. Where is it? Where is it? We don't even have $1,000 in our retirement.
>> $1,000 to Drake. Don't even have $1,000 in retirement.
>> Yeah, great choices. Chick-fil-A roster. Sorry, that was that was mean. But it's just it's just it's just it's just it's so hard to see someone doing this. It literally it drives me wild and I am scared for you and it it pushes me to just like my actual brink. [snorts] It's very difficult for me to win.
>> Lay it all out like this. Yeah. I mean, very disappointed in myself. I didn't know, you know, cuz you have small purchases here and there and you just don't think about it, but then like it adds up. These are all like these are all like three time this is one of the longest statements I've ever viewed. We're halfway through. These are like three times a day. These are you're not just small purchases. They all add up. You do like three different purchases a day. I'm bull.
>> I mean,
>> so like selling out money uh to the mom. Why are we giving so much money to mom?
>> She I'm selling the phone bill so I have to pay her for the phone bill. Um it's
>> expensive. 290.
>> So 290. No. So, okay, we had we had a trip to HHN and so we were basically like
>> what trip? Why are you doing trips?
>> It was the hotel and all that was already paid for. So, we I was selling her for the RIP tour ticket. So,
>> Oh, so it still wasn't free because guess what? You still paid for it?
>> Yeah.
>> Cool. She wants you to come. Mom, I'm in bad debt. I'm literally taking out payday loans. Uh, I can't do it. Oh, okay, sweetie. I'll pay for it. That's That's what your mom sounds like, right?
>> No. And [snorts] maybe she does it. If she really wants to do it, she does it instead of you just getting further and further behind. $700 in your 401k at 27. Kill me.
>> Level up human. This starts to pop up all the time. What is that?
>> Level up. Oh, that's a human being. Again, I don't know why they have different charges for that.
>> That's a what?
>> That's a human being. The coffee.
>> Oh, the human being. That's right. So, we're getting Chick-fil-A and coffee, some merch in Amazon, and selling out money. Zelling out money. Chick-fil-A. Oo, we love that chicken and chick that Chick-fil-A and Cava and Amazon and Amazon and having a lift ride [sighs] membership at Bright Zelling Out Money ATM cash withdraw 80 bucks. You take a lot of cash out, but you don't even know where that goes. Probably all Door Dash, Amazon, Chick-fil-A,
>> Amazon,
>> Tiny Organics.
>> That's my son's food. The Human Bean. Chick-fil-A taking out money to the ATM. Oh, that's Amazon. Now we know. Polished beauty. The Human Bean. Door Dash. Look. Cinemas. Amazon. Human beans selling out. And guess what? Payday loan. Payday loan. Payday. Payday loan. Payday loan. Cinemas. Some legal.net thing. Pressed juicery. Juicer. Juicery.
>> Uh, uh, payday loan. Payday loan. Payday loan. Payday loan. Starbucks, Chick-fil-A, uh, IAD Safeus US.
>> Oh, yeah. So, um, the legal thing was cuz they messed up my lease and then they basically wouldn't mean to sign it for like $700 more and that's where the legal stuff is coming. I don't know where the safe one that was like a bundle
>> merch human being. Yeah.
>> Rosar, we're back. Chick-fil-A. Door Dash. Pay Oh, yep. Payday alone. Payday loan. Payday loan. Payday alone. Zelling out money. Amazon selling out money. Amazon's selling no money. Amazon kickoff.com.
>> Okay, that's to build my credit kickoff.
>> Dude, I don't give a about I don't want you to have credit. I want you to lot credit. Credit has done nothing but you.
>> Damn, there's still more statements.
>> Yeah, I'm telling you, dude. It's seriously three to four times a day. I'm not even kidding. Three to four times a day, you're swiping your card at something that is not a necessity.
>> That's crazy.
>> It's ser it's seriously one of the craziest spendings I've ever seen in my life.
>> Are you serious, sir?
>> I'm not. No, I am not kidding. I don't fake anything. I I'm not I don't lie. This is in one a single statement. This is one of the craziest statements I've ever seen in my life.
>> It's ridiculous. And mind you, $700 is in retirement.
>> Mhm.
>> Amazon, Tiny Organics, Universal Something, C GCC,
>> Amazon, uh Payday Loans, selling our money. Amazon selling our money. Amazon, we got our Spirit Airlines, Spirit Airlines, Chick-fil-A, Taco Bell, Sprinkles, That was a gift for my nanny when she was here.
>> Gift for your nanny? Yeah.
>> Cool. Gift yourself getting out of debt. You already gift her by paying her for doing her job. Winston's fish chips. We do we do gifts when we get out of debt and we have a fully funed emergency fund meeting retirements. Then we gift this [ __ ]
>> That's her last day. I was like, "Thank you." You know?
>> Yeah. All right. Winston fish chips. Human being Door Dash. Door Dash selling out money. Amazon Door Dash. Amazon or No, sorry. I'm I'm just lost. I've just read so many things. Human Bean, In-N-Out Burger. We're not even getting good burgers. Human Bean, Door Dash, Chick-fil-A, Einstein Bros, Human Bean, Amazon, Tiny Organics, Jersey Mike's, Chick-fil-A, Price Press Juicery, [snorts] I can't say. Juicery, [laughter] Door Dash, Vola, Human Bean, Door Dash, Door Dash, Door Dash, In-N-Out, Chick-fil-A, Taco Bell, Human Bean, Antie Anands, Float Me. Mind you, by the way, in the same day, Taco Bell, human bean, anti-anss, and the float me payday loan. That's just one day to give you example. The other day, the the day previous, we had Chick-fil-A in-n-out, Door Dash, Door Dash, Door Dash.
>> What? No,
>> maybe that's when they landed that day.
>> Yeah, it had to be.
>> Okay, but either way, either way, even if that's what they're landing that day, you're still multiple multiple multiple multiple times a day. Three, four, five times a day going crazy.
>> Oh, would we believe it? A whole other page. Shock.
>> Selling our money. Amazon. sell a lot of them. Amazon, Volola, Tiny Organics, Palo Alto, something whatever. Um, payday loan. [sighs] Oh man. ATM, which also Amazon selling out money. Amazon selling out money. Amazon selling out money. Amazon selling out money. Amazon selling out money. Amazon selling out money. Amazon. Did you selling out money? Amazon. [sighs]
>> You needed what?
>> We needed like furniture. That's There's a lot of
>> You didn't have You didn't have furniture in your previous place.
>> Um, so we moved to a shoe box. So, a lot of our stuff either went to family storage or something like that. So, no, we needed we bought a couch, we bought like patio stuff, and we bought kitchen stuff. Bought a lot of stuff.
>> I would [snorts] have you I bet. Okay. Cuz I'm not there. I can't see it. I think just having to move from bigger to smaller places many times. I think you could have reused more than you did and you justified a lot of it.
>> I I think so. I think we
>> Good. I'm glad you acknowledge that.
>> Zelling on money. So, that's Amazon. Payday loan. Payday loan. Taking out ATM money. So guess what? Amazon payday loan. Payday loan. Payday loan. Payday loan. Payday loan. Payday loan. Payday loan. Payday loan. Selling out money. Amazon payday loan. Payday loan. Payday loan. Payday loan. [sighs] This is insane. Credit build. That is not That's the last thing you need in your life. Zelling out money. So, Amazon,
>> that's a lot right there.
>> Selling out money. Amazon. $2,000.
>> I don't even know what to think. I don't even know what to think. As someone who wants you to succeed, as someone who wants you to have an amazing future for you and your kid, potential future husband, I don't even know what to think. I'm beyond disappointed. I'm actually, frankly, I'm pretty disgusted.
>> That's disgusted. I've never seen a statement like that. Wow.
>> If I was Gordon Ramsay in the back of a restaurant in Kitchen Nightmares, I would have just found the most rancidant thing and made me vomit. That's what the equivalent of that is for finances.
>> That was That's really bad. Like, I've never seen my statement printed out. It's really bad.
>> I hope this is the wakeup call that allows you to get a fire under your future.
>> Yeah,
>> I've said it and I'll say it again. Your future matters. You as a person, as a human being existing here matters. The way you are living is throwing your life down the drain and is essentially saying mentally, you do not give a about your future. You not give a about your future and you're going to throw everything on your kid when it's time for you to retire or anything happens to you medically. That is what is being said through the numbers.
>> Yeah, that's Yeah, it's bad. It's just really bad. So definitely trying to make a change. I
I think therapy is helping a lot.
>> Good.
>> So I'm um Yeah, I'm realizing like, you know, I can't just keep spending like that. It's not going to heal the inner child or whatever.
>> No.
>> So, >> and I want you to have fun spending, but it's not going to be for a second. And again, $798 in a broad market index fund is kind of what it LOOKS LIKE. OH, I BUY POWER. He's a little gamer gooner. I'm assuming you.
>> Yeah, the uh the I by power is my son's for last Christmas.
>> How old?
>> 13.
>> Why the does he need aing top end gaming PC?
>> I buy it is not top end.
>> What is it? How much is it?
>> Uh it's an i5 10600 uh nonk I think. And then
>> how much was it?
>> Like 620 630.
No, that's not possible. No, no, that's literally not possible. Paid to date has already been 1,155. What the are you talking about?
>> Oh, I had to change the So, it was going to be And then they didn't have the graphics card I wanted for it, so I think he got like a 2070 or something. Yeah,
>> cuz I wanted to give him a 2060, but they didn't have them.
>> Mhm.
>> Why the are you even getting this, dude? This makes no sense. And now you're paying minimum monthly payments on this forever. What's the interest rate on this? I bet it has interest rate. Oh, there's a new way after this. My goodness. He's full game.
>> That one's my fault.
>> Yeah, that's that's her.
>> You game goon, too?
>> No, she does not.
>> That was for the Steam Deck that I wanted.
>> That has now been sold.
>> Yeah.
>> Great. Well, we have a debt for it, so I don't give a
>> That's even worse that you don't have the asset.
>> Yep.
>> Okay. Well, you still owe $322.17 on this I buy power.
>> Yep. Yep.
>> The minimum payment looks like 6543.
>> And that was that was on a a bet, a dare. I I don't know what you call it.
>> Huh?
>> I bet my son couldn't get straight A's. And let's just say it's
>> I appreciate that, but why does it have to be with something that cost $1,500 on interest?
>> Lack of bad judgment in the moment.
>> Like, I I'm down with that. That makes sense, too. Encourage him to get
>> He had an effing band. How am I supposed to know?
>> I don't know.
>> Same. But now he's doing well. But why are we promising a $1,500?
>> Cuz he had an effing band.
>> Dude, if he's an effing band, he's like throwing spitballs on the ceiling.
>> Exactly. So I thought Fortnite is strong apparently cuz he all of a sudden he's a master.
>> Fortnite on a $300 Xbox S.
>> He likes to be the cool dad and say like, "Oh, well, I'm a gamer, so you want to be
>> I think a lot of it is shame because I spent a lot of years where I couldn't buy them anything."
>> You still can't. You guys are just trying to debt.
>> I know. I know, but it's that's
>> that's my only that's my only crappy attempt at justifying it. Okay,
>> we could
>> I like the encouragement to get good grades, but there's so many other things we could do at a such lower price point. So, dude, a trip to uh like Six Flags would have been cheaper
>> in Oklahoma. Do we have
>> you come down to Texas? You
>> I've never been to Texas. I didn't know you guys have a Six Flags.
>> Six Flags over Texas. What? Yeah, we've had Six Flags. [ __ ] [laughter] grew up in California. What?
>> You had Disneyland.
>> Six lives are everywhere. It doesn't matter. You could have done a lot of things. You could have done a lot of things.
>> I I'm aware. I've beat myself up about that. And you're free to do it, too.
>> Just know in in the future it's autom. That's wonderful. Okay. So, what's the interest on this?
>> Oh, man. Uh, probably 35%
>> through a firm. I'm so proud.
>> 35% probably 35.95. Yeah, something like that.
>> Ladies and gentlemen of financial audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year cuz that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more, or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. Death. Yeah.
>> When did we get this?
>> Middle of last year. Summer, I believe.
>> Right after we got this year. This has been over a year that you're paying for I by Power.
>> Yes. And
>> And it's I BUY POWER.
>> OKAY. We'll come back to that cuz there's another computer you're going to hate even more on there.
>> From I by Power. No. I by power is a saint compared to the next one. Just wait till you get there cuz I I'm happy to put that other company on. Blessed [gasps]
>> I will say that computer showed up. Well, I usually build them myself.
>> We go through electronics and computers like people go through underwear in this house.
>> Yeah, that's by far our biggest problem in every form of life is electronics.
>> It's like HP's version of their pro gaming [ __ ]
>> No, I by Power is a it's an OEM. It's standalone.
>> It's all you can upgrade later and everything. It's all offtheshelf parts. It's fine.
>> Okay, fine. Okay, then I'm not freaking out. Expensive on their website, I'll say.
>> And I also have I by Power in my debt, too.
>> Oh, this is just a full Goon household. Okay, this new egg. This is for an 8K display port, 1.4 cable, 6.4 ft, Steam Deck.
>> No, no, there was a cable and the Steam Deck. We did not pay We did not pay whatever that was.
>> So, you don't even owe this anymore. And it was $1,000. Yeah, cuz I he wanted Well, he wanted me to get
>> Well, I wanted her to get the cheaper one $400 Steam Deck. And no, it had to be the OLED. Had to be the one TB.
>> And by the time I decided to say screw it and sold it, uh she had two hours on it total. And that was months.
>> Why?
>> I don't know. I didn't It didn't I couldn't use what I wanted to use on it like I thought I could. So, I just I used my Switch more. So
>> you guys just blow all the money in theing world on anything you guys want in the moment.
>> Yes,
>> but you communicate about it. You're saying?
>> No. No. This big purchases you said communication in his in his defense. I told him I would pay the monthly payment for the the steam dick.
>> I Why is it I we when it comes to marriage
>> prejint finances, nothing was done together at that point.
>> Yeah. But I'm curious the why was it?
>> I mean it is we. She tried to justify it because I said I didn't want another monthly payment and she tried to justify it and she said, "Well, I'll make it." She didn't make any of them.
>> Did you make money from the getting rid of it?
>> Yes. Yes, I have the money to pay it off. Just be done with it to hold debt.
>> So, what was it? How much did you get for it?
>> Uh, I got 680 for it. And then I also [clears throat] s I I've been selling a lot of electronics for
>> Yeah. We're trying to We're trying to declutter our house.
>> Yeah, it's time to sell everything.
>> That's what I'm doing. That's That's why I said this debt. That's why I said some of the incoming might have been from uh eBay cuz I am selling everything actively.
>> Yeah, that is that's not even a choice. I'll sell this, but this is a ridiculous,000 hour purchase and you lost 500.
>> Yeah.
>> 400.
>> Yep.
>> I think the Xbox was more egregious than that even.
>> Yeah.
>> Yeah. So, we get every little gaming device that is possibly on the market. It sounds like there's not one we don't get. Great.
>> I'll be hopping cuz she hops to a different Cob have been so expensive.
>> Yeah.
>> Yeah.
>> Okay. What is this? A serenity sleep bundle for what?
>> Yes. No.
>> Is it not?
>> Nope. Uh I don't think so. What's the total on that?
>> You spent 997, but you've already you're
>> That might be the bed.
>> Oh, 1,200.
>> Yeah, sort of. It's our bed.
>> Yeah, I thought that was the couch. I thought we were going to start.
>> Are we getting this? I mean, listen, mattresses are expensive.
>> The bed was mandatory because
>> cuz we were sleeping on a mattress on the floor and the mattress like the springs was popping through and like cutting
>> Yeah, I had that mattress.
>> Did you have to get a $1,000 mattress?
>> It has to be California king. I'm 7 foot one. It's not. And I already have knee problems. My legs hanging off the bed.
>> 7.1.
>> Yes.
>> That's crazy. I've never met someone over 7.
>> Having a big a large bed was kind of
>> We got There's no frame or anything. That's just a mattress in the box springing because I tried to keep it cheap, but California Kings are so expensive.
>> Yeah, for no reason.
>> Are you sure you're 7.1?
>> 7172. It depends on the day and my posture and my back problems, but
>> it's a $7252 minimum monthly payment.
>> Yes, that is the bed then.
>> Endlessly forever. Probably at a 35.99% interest rate of death.
>> Yes,
>> it's like double. This is This is just like fat stack week again where we just have literally every debt you could possibly accumulate in a stack as large as Yeah.
>> I don't know. This is This is just crazy, man. And of course, autopay is off. Who would have thought?
>> Yeah, I've got a mental block with autopay. I told you it's terrifying to me and you accumulate fees and your debts is taking forever to pay off and it's going to take even longer. Yeah, I would like to get to the point where I'm comfortable that we'll have money in the account to just turn on autopay.
>> $997 mattress, but you're paying a total of 1,300.
>> Yeah, I'm I'm not perfectly versed in all of our totals and percentages and everything, but I do look at them regularly and obsess over them.
>> Then why are we still spending? That doesn't make If you're obsessing that that is not lining up.
>> Pettiness. I don't know.
>> Pettiness.
>> Yeah.
>> It's the competition. You know
>> what? She buys dumb stuff and then I'm like, "Well, I want dumb stuff." And it's
>> so we're children.
>> All of my dumb stuff has happened in the last 6 months, I'm pretty sure. Unironically, cuz I don't buy myself things like ever. Like big stuff. That's all happened because we in January.
>> So, what the changed in 6 months then?
>> Well, so I we gave up on having a kid, funnily enough.
>> Yeah. We had tried forever.
>> We tried for 3 years, didn't have one. January we said it and uh made some dumb decisions and all of a sudden that's when
>> you still had two.
>> So you gave up on how long did you give up? When did you find out you were pregnant? You're having a baby next month
>> in February.
>> So we had one month of reckless. No, you were having reckless well beyond one month. There's no way.
>> My my big things were about one month. Yeah. Oh, you haven't gotten them on yet. It's juicy. Just keep going through the bundle of joy.
>> Oh, I am. I have no other choice. Walmart. Okay. What the did we get at Walmart for $1,200? I think that was
>> Was that Christmas?
>> Yeah, that was And
>> it was just [ __ ] Christmas presents.
>> Yeah, he bought he bought a PlayStation for his nephew.
>> I will defend that PlayStation to the death. I'm ready to fight you.
>> Why?
>> So,
>> yeah, let me defend a 35% interest rate when I can't afford
>> I'm aware. I'm aware the way I got retirement. I'm aware of the way I got.
>> No, that is dumb with your lack of retirement, lack of emergency fund, and overall debt situation is dumb regardless if you spent it on debt.
>> Yeah, I'm I'm aware of that part. But my nephew was born with a heart condition where every couple years he has to go get a valve replaced, open heart surgery, and he's laid up forever. And his parents are very anti- new technology. Like his newest thing is an Xbox 360.
>> So I got him a PlayStation 5.
>> It's not supported on anything. He can't update any games.
>> Most of his discs don't work. And we don't have a game store where we're at in
>> Why does it have to be your responsibility?
>> I know it it shouldn't be. I'm I've had that conversation with him. I appreciate the heart of it, man. I appreciate
>> That's what I'm saying is I'll defend the heart. I know it was a dumb financial move, but I'll I'm going to die on that.
>> Also, it was more than that. You spent double than just the PlayStation.
>> Yeah, it was the PlayStation and then
>> go on
>> Nintendo Switch for my daughter.
>> Mhm.
>> That she broke 2 months later.
>> Oh my. You guys just get everything you don't get.
>> There is nothing you don't get. And I see a smartwatch on you.
>> Uh this was cash flow. No financing, no paid off. It
>> doesn't matter. It would have gone towards debt.
>> Well, no. It was I traded in my old Apple Watch when I swapped off of Apple.
>> And I have this free. This was 100% free.
>> Which mine was also a I need to I need to have it because [clears throat] it's the newest one, but I'm not wearing it. I had the same.
>> I would have rather you sold the Apple Watch and put it towards that, dude.
>> Yeah. I was using this for the gym cuz I dropped like 104 lbs in like 8 months. I'm trying and I needed something to track my heart rate and everything. Yeah, but you could get a Fitbit.
>> But this was free. I couldn't trade in the Fitbit.
>> No, but you could have sold your Apple Watch. Got a Fitbit for the cheaper. Use the Apple Watch.
>> Got rid of the Apple Watch. I was not versed in selling on eBay and all that. And in our town, nobody knows what the hell a computer is.
>> Electronics do not move.
>> Are we living in that town?
>> I moved with family when they came here for the installation.
>> I would like to move and go anywhere else, but clearly we can't. So
>> why
>> can't afford to? because we screwed up for the last 5 years.
>> Eventually like like 10 15 years that's the goal to get out
>> 10 to 15 years.
>> Yeah, I'm shooting far. But that is the goal eventually to get out
>> deal with it for 10 to 15 years living in this place.
>> You can I'm asking you.
>> I mean I don't like our house but
>> we have a mortgage on something we don't even like.
>> She she doesn't like I don't like it.
>> But my standards are skewed. Four walls and a roof. But
>> why would we go into debt for that though?
>> I don't know. It just it was like a rushed kind of situation.
>> Rushed into a house. Why?
>> Like we got married and like 2 days later we signed the paper for our house.
>> Oh, why? [screaming] No one's ASKING THE ANSWERING WHY.
>> So we looked for about a month and we had no clue what we were going for. We just wanted to look originally.
>> I didn't even know I could get approved for a house. And then I just went to a a company and they were like, "Here's these houses.
>> We'll approve anyone for everything."
>> Yeah. Um,
>> but I mean we like we did get a deal on the house because the the person that owned
>> deal you hate it.
>> The person that owned it
>> moneywise she doesn't hate it. Just
>> aesthetic wise
>> the person that owned it she was leaving and her contract was up so she needed to sell the house so it was very like they knocked off like $10,000.
>> Why do you hate it?
>> Cuz there's just like a lot of cosmetic stuff that just
>> that they need to fix but like we can't afford to fix it. So
>> how many bed how many bath square footage?
>> Uh four bed, two bath, 1300 ft I think. 1,300.
>> Yeah, it's it's small, but it's a lot of rooms and and the garage is half renovated into a liveable.
>> For Americans resellability, you usually want minimum 1500 if it's a single family detached house.
>> And with if the garage gets finished being converted cuz they already have
>> No, you're converting a garage.
>> No, no, no. We bought it. It was already half.
>> We had already started converting. It's half converted. So,
>> that's a part of the square footage.
>> No, no, that's going not right now. It's not.
>> You're converting the garage though.
>> Yes, we're going to eventually, but
>> Americans are obsessive over garages. So, you're making this house fit a car in that garage. It's so small.
>> You're making this house even harder to sell in the future.
>> But it is it's the only twotory house and it's a corner lot in that town. A lot of places no one wants to live in.
>> No, it's a military town. They have to live there. It's not optional.
>> Why though for the three years?
>> A lot of people do.
>> I have no idea. I don't
>> Yeah, my my parents just sold a house there and it took them 3 weeks I think cuz
>> maybe they dramatically undersold. Maybe their house is better. I don't know. No, it it was a nice house, but they didn't underell. They made a lot off of it.
>> No, no actual own.