Most Childish Couple I've Ever Had On Financial Audit

So, the passes were, for both of us, for the whole year. So now we can go anytime we want, whenever we want. What the actual? Look at this! You just spent a thousand, freaking billion, jillion dollars on this card. Rich people don't do this.

Cuz it was my birthday a couple weeks.

Your birthday?

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My name is Stephanie. I'm 27 years old. My name is Michelle. I'm 28 years old, and we live in Mesa, Arizona, and this is Financial Audit.

Wow, thanks for coming over to Austin, guys. Okay, so this is, uh, this is exciting. We haven't had a rainbow-filled episode. I think everyone's a little excited about this. It's, it's going to be interesting, uh, not because of that specifically, but because we have a lot of couples on, and it's going to be interesting to see the dynamic here.

Yeah, very curious, very excited.

Yeah. So, who decided they wanted to come on? Her? Was this a co-effort?

Definitely her. It was me. She didn't know about it until after. I didn't tell her I applied for the show until after I spoke with Lindsay the first time.

Really?

Yeah.

Yes. And do you want to be here?

Yeah, I thought it was cool. I, I showed it to her before, and I, she, I told her she didn't have to, but she's excited.

Yeah. Okay, so let's start with you, Stephanie. What do you do for a living, Mesa?

Um, I'm a registered nurse at one of the hospitals.

Very cool. What are you making?

Um, I make $36 an hour.

Oh, okay, thank goodness. But I get, um, an 18% differential for nights. So, what about is coming in on a monthly basis? What hits your account on a monthly basis from my paycheck?

I believe it's about 4,400.

Okay, cool. Works for me. And you, what do you do?

I work at Arizona State University, um, in the GRS Department, doing like reporting.

Okay, cool. What do you make?

Uh, 49.5 a year.

Yes, 49. Okay, what hits your account on a monthly basis?

Typically like 1,300. Oh, sorry, um, 2,600. Yeah.

Okay, so the month we have was obviously clearly like a three-paycheck month is what we saw, which happens a couple times a year. Because I was a little excited for you guys. I was like, "Wow, obviously $7,000 is what the math comes out to," and that's more what you guys are making. I had closer to payroll coming in of about 9,800. So this is a three-paycheck month.

Yeah.

Okay, so that's a little, it's 7,000 is not bad. 7,000 is not bad. My expectations were here, and you're here. Luckily, this is still good. Okay, so how are we living? Makes us $7,000 a month net. How are you feeling? What are we doing? Are you guys married?

No, we're supposed to be getting married in March.

Okay, good, cuz I don't have typically couples who aren't married, but you're going to get married soon.

Yes.

Are you guys combined right now?

Everything's been combined for eight years.

Eight years? Almost eight years.

We've been together for eight years. Yes, sorry. We've been together for eight years, and since 2019, you guys combined.

Yeah. Wait, how long were you dating before you combined?

Maybe like two years. Everything's together.

It's so risky, though. What about debts? Are you on each other's debts? Are you authorized users on each other's debts? You guys have debts together?

So, we're not authorized users on each other's cards, but we both use each other's.

You use each other's cards?

Yeah, we are authorized users on like one card.

But what are you guys doing? Why would you combine a sore? What, first, why did it take so long to get married? And two, why are we combining things before marriage? There's risk. I not, I don't encourage for anyone's breakup, but what if, guys? Cuz it happens.

Yeah, I, I think, well, when we combined, it was my idea originally because when we were splitting bills at the time, we were both servers, and with making money with tips, and it was just kind of confusing to me. So I just...

19 and 20, combining without being married? Yeah, but okay, it, I, I think it actually worked out really great for us, cuz ever since...

You're talking about your finances are an absolute mess.

No, that's true. But what are you talking about? We don't argue as much about who's paying for what, I guess, cuz we used to before. We, "You pay this bill, I pay that." Have to like, "Oh, I spent $30 here. Um, you, you buy this, I'll buy that." Some, some people find it sketchy if an engagement is going on for more than a couple years. What, the eight years? We...

Well, we got engaged in, we did get engaged in 2023, May 2023.

For sure. You've just been together for a very long time without engagement, marriage. Why, why are we taking so long?

I think it's partially because we were so young when we started dating, cuz I was 19 and she was 20, that we weren't like, I, we just weren't really thinking about marriage at that time, I guess. I don't know. We were both in college and just...

Sure, then, but there's also been like five, six years since.

Yeah, I, I think that we, we just weren't, we're just not in a rush.

And why is this March going to be the time then?

Um, I think it's because I graduated nursing school. That was like a big thing for me.

When did you graduate?

I graduated in last December.

When did you start March? This past March. When did you start school?

Oh, I started school, well, I've been going to school since I graduated high school.

Me. Why did it take a decade?

Because I was working full-time, so I was taking like part-time classes.

That's not necessarily bad. I mean, there's certainly an offset there. There's a mathematical, uh, break-even point when it comes to student loans, and, you know, whether or not, okay, we take some student loans out, it's at a low percentage, and, uh, you know, hopefully federally subsidized, and then we complete school even quicker. If we have to do 10 years in order to work full-time to cash flow, we complete school instead of four, and then all of a sudden our income is up, and we're able to invest it, and we make the difference, and then it completely offsets that and more. But yeah, we, I actually, I paid for a handful of semesters out of pocket because I was going...

You weren't paying cash well the whole time, even though you worked full-time the whole time? Why then? What's the point of even extending it out 10 years?

I was, I did have to take loans out for a couple of years, and especially the last two years when I was actually in the nursing program, because I wasn't working at all.

Oh, they're telling me you sent over surprise student loans last night. Jake didn't even see until like right now. I forgot about the student loans because I...

How do you forget about the student loans?

Cuz I just started paying them like this month.

What have you accumulated in student loans over 10 years?

15,000.

That's not horrendous. I... No, you really just delayed that whole potential income-earning process, which means you also delayed the best decade of your life for compound growth. The money that could have been invested, setting you guys up. You have no idea. You got only three years to go, and then all of a sudden that decade's done.

I will say, the nursing program had like a three-year waitlist to get into.

Then go to a different one. There's nursing programs everywhere.

Yeah, it would just, it would just would have been more expensive. The one I went to was probably the cheapest and the, the better one. It was a community college.

It was at a community college? Yes. You can't go to another community college with a little commute? They have like this weird thing where the all the community colleges are owned by the same comp, like Maricopa. They're all Maricopa schools. So when you apply to the nursing program, you go to like any of those schools.

Yeah.

Okay, so when I go to, so the waiting program was for all of them?

Yes, for all Amop County.

Mhm.

I did find, I actually would have not been graduating for another, probably next year I would have been graduating if I had waited the full amount. But I found a fast-track program, so I did get in sooner because I, I was working in insurance, and then I quit that job to start working as a CNA, because if you work as a CNA at a certain company, they'll let you in sooner. So I did do the fast track to do this program as soon as I could.

Okay, so $15,000. What's the interest rate?

Um, average across the board, average I think is four.

See, that's not bad. What's the minimum monthly payment?

Um, it's 163.

How long are you waiting to get into nursing school versus what were you doing in between? Like, between like, "Oh, I have enough to get in Associates, gen eds, blah, blah, blah," before going to nursing school. How long are you just waiting? Cuz 10 years is still an insane amount of time. Like, you've just, you've lost so much time.

Yeah, I, so I, I originally was going to a university. I went to a university in Northern Arizona for a year, or for, for a semester. I don't have any student loans from that.

What a freaking second! What are the student loans? Your student loans are freaking past due! Yeah, I did have a... What are we doing? And then, oh, guess what? Future wifey over there is giving you the face of, "What the?"

Well, because her dad had paid for some of the NA, so I wasn't sure if that was paid by him or I didn't even know what was left from any.

Why are you past due? I... It's 162. So that's your monthly?

Yeah, 163, you said. Okay.

Yeah. How, why? You make money. You guys bringing $7,000 a month net. What is happening?

So my student loans had been deferred for so long, cuz I was in school continuously. Yeah, and then they give you a thousand warnings that it's about to start via phone calls and emails and mail.

Yeah, I, my email was getting very full, so I, I didn't...

That's why you look at it and get rid of and act like an adult! What else is she missing? What else is she missing? What else is she missing then if the email is full? Come on, you can't just not do that.

So I, I, yeah, so I did eventually see it because I logged into the account and saw that it was past due, which is why I realized that I do need to start paying back on them.

Yes, cuz they start garnishing your wages if you don't. Yeah, they take it before you can even see your money, cuz it's the federal government. Do anything right? So I, that's why I know I need to start paying on them now.

But why are you paying on them now then? When did you find out they're past due?

Um, last, like last month, when I was going through all my account.

Why am I seeing a past due statement then? Or why is Jake?

Well, I didn't have the money to pay.

You make $7,000 a month net across the board. What are you talking about? And we're all combined. It's not even...

I didn't have enough money. Yeah, I did. I didn't have money in my debit account to pay.

Your debit account? You mean checking account? Yeah, listen, $7,000 net. This is literally 2.3% of your net income. 2.3%! You couldn't make payments?

Not at the time. I was waiting for the money.

Go where would the money go? Where would the money go? Where would the money go? How about that shopping? It's interesting. I could kind of have a little bit of insight. You make $7,000 a month. How much was spent this last month, guys? How much? How, how much was you spent? I, we make 7,000. You, 7,000. I'm going to say, I'll even be more generous because it was a triple paycheck month. You made 9,000 that last month. Normally make 7,000, but you made 9,000. So what did you spend, guys? What'd you spend?

Um, I would say probably 10,000.

Yeah, that's interesting. $21,000, guys! You, I mean, you opened new debts, bounced, got in the debts. You spent, yes, insane! What are you guys trying to do? But you're trying to get married right now, right now, but nothing. You seem further away from it than ever. You spent beyond double what you make. You spent triple what you make. I don't even... Who's, is this even a fault of one here, or is this a fault of the together? What, what are we? How'd you get? Cuz how, listen, if I had a month where it was just a crazy, freaking month or something, let's just say, I would at least know that I spent crazy above what I made, cuz how could I not? That's insane! How, how can you not? Like, that's wild! How did no one have any? You guys estimated it by under half what you spent. Under half! I'd love to hear some thoughts here.

We just didn't look at it. So we didn't...

Well, we don't really look. I mean, we look at our bank accounts, but we don't...

That helps. That helps not arguing, you said. Guys, we're in a great place cuz we're not arguing anymore.

Well, no, you won't argue if you don't look at it, cuz there's nothing to argue about, cuz you don't look at it.

Yeah, I do. I will say that I do think November was a very high spending month, and I knew that it was. I just didn't realize it was that much.

Triple! That's not a very high spending month. That's insane! It's like apocalyptic financial!

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Well, we did buy a couple things in November. Like, so in November, a couple days before, we found out that Disney was dropping their annual passes.

Okay. And when I was in nursing school... Come on! When I was in nursing school, we said, "Student!" You're talking about Disney right now. We're having a conversation about Mickey and his little mouse. What are we doing?

Well, it was my, I told myself it would be my treat for like finishing nursing school.

You don't get treats if you're not paying your freaking bills! You haven't paid for nursing school yet. You owe on it still. Oh, for... Okay, what? So the passes were $2,000 for of us for what? For the, for the whole year. So now we can go anytime we, whenever we want to any park at any time. Just to, to Disney, the Disneyland Park. Which one's that? In Cali? Oh, shitty one.

No, I think it's the better one.

The best one is much smaller. It actually has the same amount of rides almost as the one in Florida. But the one in Florida... How are you guys getting there from Mesa? Getting what? Getting pass? It, it's in LA, so it costs money to get there.

Yeah, we drive. We drive there.

Okay, well, so you're getting places to live? Does it cover the place to live when you're there?

Nope. No, we just get a hotel.

So you're spending money to spend more money?

Yes.

Cuz do you get the free food while you're in there and free drinks?

No, we pay for that too separately.

Talking about 10% off merch. Oh, man, merch! That's what we need to survive, guys. Are you kidding me? And the, the food are priced up by 95%, so yay, we save 10%. Great, guys, we're doing so well then. Merch, you can wear Mickey on you. Sure. I'm, I'm thrilled for you. This is so good. You're going to watch a new Star Wars movie or something. I just, I feel like the price of the passes is worth... You're not paying on your student loans. That is a different conversation. I wanted her to have like, you know, because she finished nursing school. You encourage that. You're, you, you are both subjects in this insanity.

Yeah, we typically agree on, on most, most big in our life. We agree on just destroying everything. We agree on not starting off the marriage in any way successfully. One of the leading causes of divorce, we all know, is financial. We just like to have fun, and I feel like we have a lot of fun together whenever we go to Disney.

Yeah, but who's pulling up the U-Haul first in this scenario, guys? For Disney-related things, it's always her. Listen, here, here's just statistical reality, right? I mean, if I, if I'm not mistaken, I've just, I've just seen it online. I don't know, so I, I might be over-promising on the reality part. But if I remember right, it's like, I think it's like gay dudes, least amount of divorce in the country. Then it's just like straight couple, you know, decent divorcing. Then, uh, female gay, high divorce rate. Okay, why would we go into the marriage that we want to be together forever with finances if it's one of the leading causes for divorce in this country? Why would we want to go into something that is statistically less secure?

Well, we've been doing it for like eight years, or seven years, married, well, not married, but like, we've never like, we didn't see it as an issue.

But also, you've done it through school, and you've done it through the, you've done it through the bull. You've kicked the can down the road. You're thinking it's, it's cute to get Disney over paying our student loans. You have yet to see what happens when you guys try to get a house together, buy a house. You have yet to see what happens when all this comes to fruition, and the debt is out. Now wages start to get garnished for not paying the student loans, and all of a sudden we need you $2,000. Maybe you guys have a kid or something, then you're trying to take care of that. Maybe you guys are trying to retire together in your 60s, and we don't have a single cent for it. And I know you guys have a little bit of retirement, but again, all of a sudden, what happens? What happens of people like you that I see that accumulate this much debt? They take from retirement. It's a shortcut to pay it off. So I have no confidence us that would stay there in this current path that you're headed. You just blew $22,000, $2,000 when you're literally not able to pay a $163 payment. They're telling me 75% divorce rate, by the way, in the last 10 years.

I thought it was much lower than that. Me too, honestly. I thought it was less than straight couples.

Listen, well, and no, it's not. And I would love, I would love for anyone who loves each other to stay together forever. I don't give a do it. But let's give you the best chance for success, and going into the marriage with the lead, one of the leading causes, makes no sense. You guys can break up easy. Getting through a divorce is hard, especially if there is all of a sudden a kid or two involved. Are we planning on children?

We've talked about it recently, and see the conversation starting. We're just up and down. Yeah, back and forth about it.

That's usually what makes a baby. That's just crazy. That is just an absolute sign of immaturity. Just immaturity that we are choosing to be Disney adults over an adult, making it a single adult decision of just paying a bill. You're choosing to be a Disney adult.

I wouldn't say I'm a Disney adult. You literally just spent 2,000 hours.

When I go along with what she does. What? You can't speak up? Do you not, are you not able to have your own? There you go. So you're an enabler, and you did want to. So you're a Disney adult. If you don't speak up for it, then you, you get no sympathy on that end.

All right, I'm going to count down from three. Three, two, one, go on, go. I want you both at the same time to give me what you think your household score is. I'm going to treat this more as a marriage because the marriage, you guys have been together for a long time, and you're, uh, probably going to get married. I would bet on it. Uh, so cool. I want, how's financial score? Zero to 10, zero being the worst, 10 being the best. I want to hear. Three, two, one.

Two.

One.

Okay, so you think you're a little better. Why do you think you're a little better? Not that two is good or anything, but why do you think you're a little better than she thinks?

Um, maybe just for because I, we do have the retirement and a little bit of it. Um, and we don't really have any, um, car debts or housing debts. No, just every other debt.

Housing debt is not even a bad debt, though. I would encourage, I would almost want you to have a housing debt unless it's a horrible loan or negative equity position in a home. I mean, that would raise your score in my book, unless again, you did it in just an absolutely stupid way. Cuz usually means you're leveraging a relatively low rate on an appreciating asset. Said you don't even, these aren't even assets. This credit card is not an asset. There's no asset on this credit card. But is, is sitting here being, "Okay, well, guys, if you want your Hammer Financial score, it's free. Figure out where you stand. Figure out where your finances stand. It is in the description below. And also, if you want to come on the show, come on the show. I'll give you some fun little beat up. I'll roast you a little, and it's a good time, and you get to come hang out with us down here in Austin. Are you guys having a good time so far?"

Yes.

Thrilling? Are we thrilled?

Very thrilled.

Okay, so you can go to Calebhammer.com/apply and come and be thrilled with us. I'd love to have you here in Austin, Texas.

All right, so Southwest Weord Rewards. So we talked about the student loans that we're behind on. So, South, how close are you to be being behind two months on the student loans?

Um, I think we just have to pay this month for both payments and then caught up. Um, I don't know what day it is due.

Then how are you going toing do that?

I was just going to do it when we got our next paycheck.

Yeah, but what if it was due before then?

But then I would be caught up because then my next payment isn't, wouldn't be till January, and then I would be caught up for January.

What month are you behind? Just for November? So December you might miss, though.

But if I pay December and November's before December ends, then no, then we'd be fine because in January I'll just pay for January.

Maybe if you remember to do it. You didn't pay this one.

Yeah, it was November's bill, but you've been pay, paid in December so far.

I didn't for November. I just didn't realize that the paid in December so far. Yeah, it's not November anymore. You've been paid in December. Yes. What is your thoughts on this?

I, I, well, I didn't, she didn't even tell me that. I mean, I guess I did know at one point, like recently, I did know that she was going to get, um, or she's going to get, um, student loan debt, but I didn't realize how much it was going to be, and when I never told her that the payments were starting, cuz I kept forgetting about it.

Then again, that leads me to no confidence that you'll actually make the payment. What's your thoughts on that, though? The late payment and her promising she's going to double pay.

We're really never late on payments, so that's just like kind of crazy to me because I, I mean, she usually tells me these things, so it's shocking to me. I just forgot about it, the student loan, cuz I, cuz, because it's been deferred for so long, I just forgot that I was going to have to start paying it now because I've been working.

Okay, Southwest Rapid Rewards. We just put $1,946 on here. Great. The $40 minimum to payment. Why would we put so much on that? That's an insane amount of money. And again, reminder, we're not paying $163 payment on something else. It's so... Oh, plane tickets. Plane tickets. Two plane tickets. That makes sense. For what? To come here? Oh, at least some of it gets reimbursed. Starbucks, Lightning Lane, Ship Store, Seasonal Marketplace, Seasonal Marketplace. Those are all at Disney. And I, were you just at Disney?

We've been to, we went to Disney once in November, and then we went a couple weeks ago.

Are you freaking kidding me? Are you guys like literal creatures? I'm going twice in January. What? Wait, twice in January? What the? Are you guys, guys, what the? You talking about, do you care? Do you care what do you care about other than going to Disney? Cuz obviously you don't. What do you mean? Look at this! You just spent a thousand, freaking billion, jillion dollars on this card, and it's all Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, Disney, and then Wendy's.

The December trip was for my birthday, cuz it was my birthday a couple weeks.

Your birthday? It's 27. I guess that's the rental car birthday, isn't it? That's your last special birthday until 59 and a half. So that's your last birthday until 50. That's exciting.

We make every birthday special.

Why your birthday? Everyone gets them. There's, there's probably millions of people, there are millions of people with birthdays today. Who gives a? We're just on a rock that floats.

We like to celebrate each other's birthdays, and I like to do mine at Disney, which is cute.

Why don't you do that when you're out of debt and have fully funded emergency, and you're on track for retirement, and you guys are getting to life goals? What is your philosophy on this? Just, is it an entitlement thing? Do you think because it's your birthday you deserve to do all this stuff, even though you are not in a position to afford it? Two Disneys in these last couple months. Two Disney next month. What the actual? Rich people don't do that. Rich people don't do that. Probably why they're rich. But rich people don't do that, and you guys are doing it. You guys are literally poor. Great income, but you're poor because you allow yourself to go into horrible debt and not pay it.

The November, we only went for one day in November.

You still traveled there, bought a gillion gars of food. We took our, we took our nephew for his birthday. His birthday, and we did split. And then we went for my birthday.

Your birthday. And then we're going for our nephew's birthday in January. His birthday. I don't give a sh... Birthdays! What is this obsession with birthdays? Get a little piece of cake, and you're fine. Get a little piece of cake. We can even put Mickey on it. Who the cares for their birthday? You, I have a drive. Is this, um, five and a half? Yeah, about five hours.

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And since we already have the passes, we're not paying for the tickets to get into the park.

That doesn't matter. That doesn't matter. First of all, you couldn't afford the passes. But since the passes are already done, okay, but that still doesn't matter. You spent $1,000 on just being at Disney on here. $1,000 just on the Disney crap. I mean, for a day, for one day, $1,000 for a day, guys! You make seven a month net, and you blew through a seventh of it in a day. Unacceptable! Missing our student loan payments, i.e., the money you borrowed, federally backed, subsidized from us, the taxpayers, you know, these ones right here, us. You're not paying it back, but you're going to Disney.

Well, we're going to pay it back when I get our next paycheck.

Maybe we'll see that. Or you can have us bonus trip to Disney, cuz there's a hidden relative's birthday you didn't know about.

Well, next month, we, the both trips we're going on, we're going with other people, so we've already committed to splitting the hotel with them.

Yeah, call them and say, "Oh, wait, I, I forgot that I'm literally a poor."

I don't think we can do that.

I think you can. I think it's called having a mature conversation of being an adult and having literally any kind of sacrifice. When I'm telling people to sacrifice things on the show, I'm talking about sacrificing watching or listen to some ads. Sometimes I think it's okay to sacrifice not going to Disney for the 10th time in a year. I'm talking about something so small and insignificant.

But my nephew's going, going to turn three, and he's at his really few age, so he won't even remember it. He won't even remember it. He won't even...

No, he won't. You don't start remembering things until like what, around that three or four? But I doubt he'll remember. Core memor is what is it like four, right? We took our niece for her birthday a couple years ago. She remembers the pictures, and she's forming memories in her brain, just like when you have dja Vu and you think you had another thought of that before, but your brain is just convincing you that you had a thought of it. You're thinking of the thought you're thinking of. No, they don't. They see pictures, and they're forming memories based on it. It's what we all do. If you think you remember something from wior 2, you don't.

I think she remembers. No, they have really good memor. She got a really good memory. Smart.

Yeah, well, can, I'm proud of her. Maybe she needs to get hit in the head or something. But listen, take them a year later, and they'll even have better memories, and you'll have better money. There's a lot of years to go to Disney still. I don't think Disney's going away.

Also promised our other nephew we'd take him for his birthday.

How old is your nephew? He's turning, is he turning nine? Nine? Oh my gosh! None of these are like birthdays worth celebrating. Maybe if it was like a, maybe, maybe if it was like, "You're 18," maybe if it's like, "21," a retirement. You don't get the, "I can rent the car with cheaper insurance" age Disney present. That's not really worth celebrating.

But we already told him, and we feel bad cuz we took his brother, so we feel like we need to take him in.

Take him to a playground, put up a Disney statue, and he'll think he's there. He's three. He's...

No, the other one, that, the one that's turning nine. Yeah, birthday's in May, and we're supposed to take him in May.

Oh, so two in January, then one in May?

Yeah, but the second January trip is one of my friends from ning school.

This is literally the most insane I've ever heard him. I don't know if I've ever heard anything more insane in this show. The three-year-old's borderline. He's three. He won't know where he is.

He's been talking about it. He been, he's been talking about it. He asked us if we're going to Disneyland, and we tell him yes.

And you shouldn't have said that. Z responsible. It was irresponsible.

Well, it's his parents are going with us.

Oh, so we're this great. This is great. They can go. You don't need to go. We want to watch. You'll watch vase on Instagram, and we're sharing a hotel room. Shut the up! I do not care! I don't care, guys! How are you still battling this? You seriously aren't willing to give up going to Disney only one time a year instead of a thousand just to get in into some place of financial wellness? Like, I can't accept that. How, how are you guys? Like, I can't deal with that. That's not a conversation that we can even have, guys.

Well, we already spent the money for the... Oh, well, yeah, the annual passes.

Yes, but again, that's a ticket to spend more money.

And then we already booked the hotels for both trips in January.

Get a hotel credit card to help. Oh, to help it give your points. Your points. You're spending quad, triple what you make. Triple what you make on your three-paycheck month, so probably quadruple your normal month.

Well, it gives us points to go towards free rooms for...

Yeah, hitting. Dude, you can't pay off cars if you're spending three times. Which, how do I proceed in this? I can't. You guys are like in a cult. Many Mouse isn't going to have a three-way, guys. You do not have to go. You're this, you're unmovable on this. It's hard. You won't cancel these trips.

Well, we've made commitments to our, I know, other people.

And then you have to have the hard conversation, the mature conversation, the conversation that no one wants to have, cuz it's embarrassing and it hurts. But it's a conversation you have to have if you actually want to make some progress in this. If you guys actually want to start your marriage on a successful footing, these are the conversations you have to have. Like, it goes beyond a choice at that point, and you guys can choose to do this, actually, like, go for it. But this is your future. This is what your entire marriage looks like. You guys are behind on retirement. You have retirement, but you're behind on retirement. Most of it is because of how long you were in school. You just didn't have a chance to get up. Your income should be, you should have one times your income saved in three years, two years for you. One times your income in your retirement accounts, essentially one times your household income across the board. You guys are not on track for that, and that's just setting up some basic tracking to get to where you want to be by retirement, cuz you need to have time in the marketplace to grow for it to compound as the market does its thing. But you're saying, "No, Disney, Disney now, Disney next month, Disney the month after that, and then probably a couple Disney the month after that." That's what you guys are choosing over retirement. And I, I, I don't know. It's the hard conversations, and you need to have them. We're not acting like we're 16 anymore. We can't, you can't act your nephew's age. You guys are 28 and 27. You need to have the adult conversations, maybe with their parents, and then maybe their parents can explain it to them.

Okay, so they're your, your sister or brother?

My sister.

How's your relationship?

Very good.

Then have the conversation.

Yeah, we're best friends.

Then have the conversation. If she's your best friend and sister, she will understand, cuz she will want nothing more than to support and love her sister.

That is true. But, but, um, she also, we, we're supposed to hot with her.

But what? But we could just go this time, and then we won't go the rest of the year. You're talking about going three times. People are lucky to go to Disney once a half decade or so. Even Disney's expensive. You guys are not entitled to this. This is disgusting, immature behavior that you think this is okay and acceptable. I don't even know what to do, guys. I have this Stephanie SoFi card. What is this SoFi personal loan? What's it for? $2,463 and 8%. What is this possibly for? You're going to Disney when we have an 8% $22,000 loan, completely offsetting all in every retirement account by far that you have, and we're going to Disney. Great. What is this?

So we had a lot of credit card debt that we wanted to try to consolidate. They all had, they all had like 20, over 20 something percent interest rates, so we figured the loan, we could pay them off and pay low.

You haven't made progress. You're not a progress-making people. You haven't done anything. You haven't done anything of note. You're, there's nothing to celebrate here and celebrate with Disney. You're not paying on your student loans. You're spending triple what you make, and you didn't pay off any credit cards. You just consolidated it.

We paid off some. I guess I just have to trust that we...

Well, it isn't it better to have the lower APR than? Mathematically, yes. But what happens in people's positions like yours who have not fixed their behavior first? Have you ever consolidated loans in the past?

No. No.

Okay, so what often happens is now your credit cards just go right back up. Not today, not tomorrow, but it can happen. It, that's what often happens, cuz I know you haven't changed your behavior. Again, triple the spending. It is literally documented, documented.

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I'm being told you've been bailed out before. What does that mean?

We've been in debt like twice. But so, so, so basically has happened.

Guys, did you take a consolidation?

No, but you got bailed out, then you built your debt back up. And good. What?

So we, we had probably like $15,000 of credit card debt like a few years into our relationship, and it just so happened that at the time she lost her job.

And just so happened. People lose their job every day. This is why you have an emergency fund, right?

Well, they gave her really good severance. She actually got severance for three months.

Okay, plus you file for unemployment. She got another job within four weeks. So she started her other job. Incredible. Wonderful. Delicious. Love it. Sounds like everything was perfect.

We used the severance to pay off all of our debt, and we actually brought it down to zero.

But then the debt went back up.

Brought it back up. Yes, back up to a little over 15,000 again. But then we ended up using the like COVID stimulus checks and like a few other, we got like a couple larger...

Just waiting for a big chunk to come in. That's your only way out of this. This is your repeating cycle ever. And this is your version of the big chunk is now consolidating this debt. So just endlessly throughout your life, debt, big chunk comes in, debt gone. Then we build that debt right back up. Big chunk comes in, debt gone. Then we build it right back up. Then big chunk. But this is a big chunk. This is debt you owe again. You're not going to get another stemi check. I don't think so. And Seph has to allow you to survive. You got a job in four weeks last time. That's amazing. What if you don't this time after, you know, this severance might need to be there to survive, guys. And but yet we're going 2,000 plus 1,000 in a single trip to Disney. Listen, with the hotel and with how you did Disney this last time, what's not to suggest that you're going to spend 1,000 hours at Disney each time you freaking go? You're going two times next month, and then one in March. You can't do this. You, you can't do this. You're repeating the cycle forever, and you guys don't care. You guys don't care.

The last time we, or I guess before this time, we, uh, we got into a car accident, and so the car was totaled, and we got money back for the car, but we paid off that loan, and we used what was left to pay off more debt. So the cycle is now happening for the fourth time.

Oh my! Is there another one?

Also got paid for being injured in the accident. Oh, yes. So we got about nine grand separately.

Same time, combined? Yeah, so com... Oh, but even still, fourth time, guys. It's obviously not working. So maybe we don't follow what you think is right, as in, obviously this Disney not working. So maybe we follow what is known to be right, relatively normal. Take our debt class. Take our debt class so you can understand how bad your debt is, debt payoff strategies, what makes sense for your situation. And we're going to help you by the end of this, including creating a budget. You'll go through the budgeting class because you guys have to be able to look at accounts together. You have to be able to go through all these together, take the quizzes. It's hours of education, but it's good. It can change your life. Literally over 10,000 people have taken the stuff. You go through it because you get it for free. Go through it. You guys get it for 15% off as a bundle, but you get it for free. So go through it, guys. I'm going to set you up with a counselor to talk about this too. It's just one of the resources. So we'll set you up with Domain Money. Uh, not Domain Money. Well, why not them too? I'll get you guys connected with the financial advisor so you guys can meet them. But then I'll set you down with the Sand Mine, uh, three free sessions with them. So it's the resources that we get to provide that we partner with.

Okay. Okay. Okay.

You can open a savings account with them, and I love it. But instead, you're just giving them money. Practically, you're giving me money. Oh, the monthly payment is $875.

Yeah, 875.81. It's more, but the loans for three years, which I figured would be better than paying off credit cards for 10 years.

Well, sure. But even still, this is a seventh of your income, and then you're still choosing to put your money other places that is not beating it. That is not, you're not beating the market. Your retirement is probably not beating the market. Usually stock market up and down gets 8% a year. This year, sure it's beat it, but next year we don't know. You could go underperform. Like the interest rate on this is horrendous. Let's keep going. I guess Freedom Card. What's up with this? That's what we put the Disney passes on. We, but okay, but you're not even on the card.

Oh, we, yeah, we just, we...

Yeah, you did. 364. Yeah, 2. You said it was 2000. So was the other 2,000? It's not like you guys have that. That was probably for just something else, casually, just something else. That's great. The interest rate period ends in 3 weeks. Yeah, you guys are so... why do this to yourself again? Fourth time's the charm? No, that's not how this works. Why would you try the same thing over and over again and expect different results? Four times in a row, guys. This is so clearly not working.

Well, we didn't expect to get large sums of money. We just so happened to. Yes, but then you didn't. Your behavior once you paid off the debt and it went back up again. And this is the fourth time. When that's going to happen? You're building the debt right back up again. Again, you consolidated the credit card. So what did you do? You put $3,000 on this one. You put $2,000 on the one previous. What the... I don't make any sense. We put $5,000 on the credit cards immediately after consolidating them. Is that... are you guys like, no offense, that is literally like what a stupid person would do.

The thing is, is I figured. So I started working this year in March. Yeah. And when I started working, I figured that everything would kind of work out because we'd have actual income instead of living off of hers. So I thought that it would just kind of balance out a little bit. Spending has balanced? Of course, has. Because you spent three times your guys' household income. So that's very far from balancing. There's not any work towards balance. Not even double that would be balancing. You spent three times your income. It doesn't make sense. Your income goes up, you guys spend double. Your income goes up, you just spend double what the new income is. You guys spend up. Well, you, you. So you bring in $4,400 in a month. You guys already added $5,000 to credit cards that we've looked at so far. And you bring in $4,400 a month. You just, you immediately just excuse to more spend. Your lifestyle inflates. Yourself, and it's all fun. You're just like, "Oh, more income, more Disney." I just figured it'd be pretty easy to pay that off. You figured wrong. It's not easy, dude. Look, you, you see how easy it was. You had to consolidate it. You never paid off any debt before. You've always just had big lump sums of money happen because of a world event or something almost catastrophic. Like what historical precedent would suggest that it will be easy to pay off for you?

Well, a lot of. So the, the stuff that's on the loan, the debt that's on the loan, mostly came from while I was in nursing school because I wasn't working. So we would use it to pay for groceries or whatever we needed to buy. Doesn't matter. That's not what this is. I know. I just figured that because I was working, we could pay off that nursing school debt we incurred. Instead, we're just not even making those payments. So we got Annie's hot dogs, only in San Francisco. Do churro cafe. Went inside Target. Got some cheap, you know, $26 bucks. So it wasn't necessities. Republic Ramen. Big expense at Target, $485. What do we go to Target for? At Disney? Get parts? No. My. No way. Wait, no. What day was that? Uh, it released processed on the 7th of last month. I don't know what that would have been. We don't even know where I bought my friend's Disneyland ticket. Oh, yeah, see. But she's paying me for it. And has she? She's paid for. Been over a month. I know, but she's paid for part of it. She just, she just owes me like the other half of it. Well, good news then. There's $2,000 of Disneyland tickets after that. And then more Target. Oh, wait. What? What is this? Out there, $485. There has to be another Disneyland ticket. Another, another ticket. What is happening? What is happening? How is this? What are you guys? I've never met Disney adults before. At least I didn't think so. Who is this? What the... actually, like, you guys are creatures. You guys are a cult. The, the, you're spending so much money. You don't have $3,000 in Disney on this month. And then $11,000 on the other card. $4,000 in Disney in one month. And you're going two times next month. And one March. And then a million more times next year. Two times in the last couple months. This doesn't. It makes sense. How does this keep going? How is Disney continuing to populate throughout this conversation? This is crazy. Crazy. Is this not crazy?

Well, they're paying us. The two people we're going with at the end of January, paying us back for those. Paying has been over a month. It is also risky. You're essentially loaning out on your credit card a balance you have not paid. Well, she is our old roommate. And she's always paid on time. So I just trust. Always takes once. Just like your once of not paying your student loans. Hey, you're a perfect example of what can happen.

And are they paying you interest? No. Not that they would have to. But you're about to pay 25% interest on them in a couple weeks. Balance is $3,000.24. The minimum monthly payment of $40 on your credit. Chase Amazon. This one's also for Michelle. A lot of the credit cards are in my name. Why? Uh, I, I don't really know. It just kind of. She doesn't care. Like, I just, I don't. Yeah, I just have two, I think, in my name. And then the all the. You guys can't be trusted with credit cards. You're not credit card people. You're not credit card people. Spent $816 on here. Or $8,818 again. Is this even more spending with the now minimum the payment of $280.83? Balance $427. Ian, this is the, the spending is f***ing out of control. No wonder you guys are in the position you're in. The spending is out of control. I think I'm the one who typically spends on that one. I think that's just my Amazon card. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. A lot on Amazon. Interest rate this year. Let me see your Amazon. Oh, I have multiple. Um, no, it's just this one. Okay. Um, some of those are gifts for people for birthday. You can't afford not even Christmas. And Christmas. You cannot afford things. Guys, Myers, cleaning, gift, gift, gift. We didn't buy those. Myers. The Myers thing. I guess it was on a subscription. That that little tennis skirt. That was for Disney. For her. My other tennis skirt got. Playing tennis at Disney? No, I just like you. Where's clothes? Rain jackets. Gray. Oh, guess what? More tennis dresses. What the... OPA fleece-lined thighs. They were tights. So see-through. So you can't see through them, but they look like skin color. I wore those under. That's what. Okay. Under the tennis skirt in LA. Yeah. Actually, Anaheim is pretty chilly for me, at least. Hair tags. You guys don't need or can afford them. There's some dog food. Usually don't see that stuff being bought on Amazon. Lots of things for cats. Don't 100% need all that right now. All the little jumpy-jumpies. Probably can't even afford the cats and dogs. Gloves. And what is this? A professional metal compass. I don't know what that is. What the... What are you doing? What? It's for woodworking. Sorry. It's $17.50. She likes woodworking. I don't give a... I like you being on debt and being able to retire. Parents communicate when you're spending? Or we communicate a lot. Well, most of the time, it's when she buys things on Amazon and it just shows up and I don't know what it is. And she'll tell me about it after she's purchased it. But she does return a good amount of stuff. I saw a couple returns in there. I saw a million purchases. Yeah. And I will say, I'm planning on returning one of the dress, the tennis dresses because it didn't work out. But. Well, after you got your sweaty Disney. I didn't wear that one. I just wear the skirt. I didn't wear the dress. Oh, this credit card balance is insane. Oh, that's. This is your. It's a new one. Well, get a balance transfer. So again, again. And then you built up your. And then you spent $5,000 on those other ones. $5,500. It's just. We have a long time to pay that one off. Guys, you're making me want to give up. You've done this repeatedly over and over again throughout your life. And you don't seem to even suggest that this is a bad thing. It has not worked before. Well, I figured giving us a longer amount of. You figured a lot of things throughout this conversation. And one of them has not been correct. Well, now that I have a job. That one. We have until 2060. You get your job March. You've had a job since March. You didn't get it yesterday. The goals that you guys have. You're talking about having kids. Do you want a house? Um, I think eventually we do. These goals, these wants, these are things you're not going to be able to do because you're around and you're repeating the same mistake for the fourth time now. Major life mistakes for the fourth time now. That is not acceptable. You get an excuse one or two times. We all make mistakes. I've made plenty. And we all still do. But you don't get to make them over and over again for the course of a decade and still be like, like sympathetic towards it. You know, it's hard. You should have learned at this point. Oh, no, she's not. Okay, stop. You have some sickness? Yeah, a little bit. Well, she, she's not sick right now. She was sick like a couple weeks ago. And the cough has lingered. I'm a nurse. Don't worry. She's not contagious. You're what? I said I'm a nurse. Don't worry. She's not contagious. I wouldn't let her be here if she was. You guys are doing your minimum payment. Wonderful. $75 a month. Uh, $74. How long does this take to pay off, guys? Um, I was. How long does it take to pay off, guys, with the minimum? Yeah, I don't know. Like, maybe like five or six years. That's it? Maybe? I don't know. What do you think? Is it that much? $75 a month. And it's at like $7,300. Five years? Maybe not. Oh, she went under. Okay. 13 years. Oh, yeah. Big fee. Balance transfer fee, $360. Uh, yeah. 13 years to pay off. Is that what I said? Uh, okay. The interest rate period ends in a year and a half. Not even a year and four months. So that's going to be a lot of interest being paid. I think I thought that was enough time to pay it off. Again, it would be if you're, if you're disciplined. It would be if your other debts weren't going up. It would be if you didn't spend three times your income. It would be if you wouldn't have your wages garnished for not paying any student loans. Yes, it would be if you did the opposite of what you're doing. So in what world would you actually be able to, if you continue the way you're doing, plus three Disney's planned? San. That doesn't make sense. That doesn't make sense. I need to make sure you know that does not make sense. You can't continue to have these thoughts in mindset because it is not true. I just figured I'd give myself more time. I'm gonna die. I'm gonna myself. What, what the... What do you mean? Because we, because that debt was again, mostly from nursing school. So, and it was on a car that had a pretty high interest rate. So I, I thought I would. I had started working, but we were paying off all the other car. So you're going to pay it off before interest hits. How much does it take to do that on a monthly basis? I'm not sure. Oh, but we're so confident that we're going to do. And we don't know the f***ing number. Well, we were trying to focus on the things with interest right now. Uh-huh. And then all of a sudden, you just randomly have an extra $7,000 to pay it off. How much on a monthly basis, guys, starting today?

Um, I don't know. A few. $463 a month. Got to round up. $464. Yeah. Yeah, that sounds about right. Yeah, it sounds about. What you're not doing. Let's see. Is it deferred? No, I don't think so. Keeps going. My gosh. Okay. Uh, more Stephanie. Apple Card. Why you guys have so many cards? You obviously are not credit card people. You can use the, the type of credit cards that act like debit cards, like the Fizz card. It's the one we work with where it only lets you spend what's in your account. But you guys just spend all the money. All the money that you don't have. You're not credit card people. You owe $2,415.56 on this with a minimum payment of $125. Did you get? I think we have some. We, well, I have Apple Card as well. She does. But we. Oh my gosh. You. So subscription. Oh, the more Disney. I can't believe this. I've never heard or said of Disney more in my life in a day than today. Netflix, Starbucks, World of Disney, $43.08. And then Tiana's Place. It's a restaurant at Disney. Wonder. We got the Apple cards because we're like, "Big Apple people." So then we. Wait, no, no, no, no. Wait a second. No, no, no, no. You also an additional thousand. Yeah, we have installments for my phone. You do? Or both on of us on this card? Not on this card. Okay. Well, so this thousand is you. Is me. Yeah. For my phone. Apple Store, Apple Store, Apple Store, Apple Store, Apple Store. I see four, five different things. So I have my phone. And then I got an iPad. With Apple. You needed that. So that was actually because I just recently opened a small business. And I'm using it for my small business. Yeah. What's your small business? I have an embroidery shop where I embroider like sweatshirts and shirts. How's that going? Um, I just opened it in November. And so far, I have. I've sold two sweatshirts. And I have four that I'm making right now. Uh-huh. And how much did you put into it, including all the equipment and everything, versus how much you've made? Let's chat about your savings for a second. If you're letting them just sit in a regular account, especially one with a low interest rate, you're missing out. It's time to talk about CDs, or certificates of deposit. And I've partnered with Money.com to make finding the perfect fit for you as easy as it can be. With CDs, your money earns more interest than it typically does in your regular savings account for the savings you don't touch but want to grow in the meantime. Money.com has made a lineup of the best CDs from top banks all in one place. You can easily compare options and see which one suits your financial game plan the best. But why should you care? Because with CDs, you're not just saving money, you're actively growing it. They're safer, they're steady, and they come with guaranteed returns. No stock market ups or downs, just good old predictable growth. So check out Money.com's list of CD choices at the link in the description below. Finding a CD that fits your savings timeline and goals is important, and only a few clicks away. Trust me, your future self will thank you. This is a paid endorsement, sponsored by Money.com, which is compensated by its marketing partners.

Um, I put in about $4,000. And then I've made about $60 so far. But I just opened it. Mind you, you're not paying on your student loans. I don't give a... I wouldn't have done this yet. You can take a risk like that when you have the ability to take that risk. You already have risk hanging over your head. Unbelievable risk. So that's why the minimum, the payment was so high. That makes sense. Yeah. And it's at 20.7% variable interest. Apple Card. Right? Yep. Yep. Yep. Okay. Balance of $30,913 with a minimum monthly payment of $961. Congratulations, you won the Apple Wars. Your minimum monthly payment is better. More Amazon purchases. And then we went into Target. Got some. That's my therapist. I go to. Okay. Well, I support that. That's good. Remind me of that payment when we do the budget. And then you have two Apple things. So you actually owe an additional $8,000, or sorry, $880.63 on two Apple things. One was 2019. And another was 344. Um, one is actually my sister's. Her cell phone. She pays me monthly for it. Great. Until she, you know, gets hit by a car tomorrow and then can't. I hope it doesn't happen. And then it doesn't happen. Um, is my watch. But it could happen. Your watch? Apple Watch? Let me see. I actually. Uh-huh. Exactly. It's what always happens. No, I wear it. It's. It's in the hotel room. It's in the hotel room right now because it was getting big use. Interest charging. 18.7% interest. Yes. Yes. Yes. Yes. Yes. It could. Gosh, there's so much paper here. All right, Michelle. We're back. This is IHG. This is your special little hotel thing. $880.63 with a minimum monthly payment of $40. Yeah. You just put brand new purchases. And then $99 fee. What is that? Is that any annual store card fee? That's the annual fee for the card. So we, we actually have to spend like $3,000 on it to get our bonus. And what's the bonus? 140,000 points. Which equates to in dollars? I don't know. But it was like a. Mind you, $100 a year. I think it's like five nights that you get. Five nights? Where? How much in like most of their? Yeah. Well, shocker. It's hotel. That was for my birthday Disney trip. Yes. One of the bajillion Disney trips. Of course, it is. Is that all the debt, guys? Went over the student loans. Is that all the debt? This is horrendous. The only other one we have is she has student debt, but it's involved in some like weird case right now. So it's deferred. What? It collects interest. But I. E. It's in a. Are you trying to tell me it's in a. Income-based repayment plan? No, no. So it's in some weird case where they may or may not be wiping a certain. Did you go to a potentially sketchy school? No, no. Okay. What are you talking about then? Do you want to explain it? Well, um, I don't. I don't know. It's just some case that. I got emailed about. A go one. I don't know. It was just that I was part of it. And I, the government, some weird fraud thing that they may or may not be wiping the loans for. Yeah, because the school, I guess it was that I. I don't know. What do you mean they may be? They haven't decided. Or I think there's supposed to be like a date. So there was two groups. How much in student loans? $32,000. And what was your minimum? Um, I've never had to pay on it. Um, it's always just been deferred via. You. Um, no, from that weird thing. Well, so the case has been going forever. No, that was recent. And you're not requesting deferment? No. Are you on income-based payment? No. I don't know. I just. Why didn't you bring a statement for us to look at? Because I might be able to to tell you. Oh, well, I just figured because it was in that thing that it wasn't. Yeah. But don't you want to know more about it? Well, yeah. Don't you? She has an email about it. I just can't. I can never remember what it was for. I just didn't really think about it because. And it's very scary. They said that. It'll be wiped if, like, if they don't make a decision by a certain date. Yeah, which is like next year. Sake. Any other debt besides that? We are paying. There's no statement for this because we're just paying a family member for our car because we bought the car from them. What car? The car. What is it? Car. A Mazda 3. 2013. Miles 160. Okay. We owe $1,000 left on it. And we pay her $150 a month, which is what she wants. So. So it's almost. Well, still got almost a year. Okay. Now, is there any more debt? No. Okay. Okay. So Sofi. You guys do have the Sofi account. See. And I like it. I use it too. And for my emergency fund. You have the checking account. You use. Okay. U. Beginning balance $184. Current $2004. Okay. So much. Just Panda Express. Panda Express. QT. Inside. Apple cash being sent. Panda Express. TJ Maxx. What? Oh, this is so much more. Amazon. Costco. That's hard to tell. But these are really cheap purchases, meaning that they don't really seem like necessities. Like, who's going and getting a $325 necessity from Costco? Sounds like Guzz. Probably. It doubled up. Guzz. Maybe. See. Go be some BS from Target. Some vending machine ice cream. Starbucks. Amazon. Guzz it up. Raising Cane's. Starbucks. Why are you guys guzzing so much? PayPal and Uber Eats. For sake. That's the only. We don't actually use those delivery services a lot. I was at work and I work at night. And so the cafeteria was closed. So I had to Uber Eats something for lunch. I think Michaels hates lesbians. I think that's Hobby Lobby. I think Hobby Lobby or maybe it's Michael's too. I don't know. Maybe. Maybe I don't. A lot of people do follow who hates who. World Market. Who do they hate? Starbucks. Einstein's. Bro. Hoover Eats again. $21. Some bullsh. Target. Probably zelling out. $50. Some Cafe. Starbucks. Starbucks. Talking Sticks Resorts. Resorts. Fry. PayPal. Paying for $270. The. That was for my embroidery machine for my small business. For your small business. You just say for my small business. Come on. You haven't made anything. Uh, you can do that later. You don't need that now. For my small business. I love small business. Do it. It's great. You don't have that level of risk. Our savings. Amazon. I think we're done paying that one off. Yes. But you put so much money into it that could have been paying off debt, changing behavior, saving for retirement, saving for an emergency fund. Amazon. Walgreens. You got some bull. Walgreens. Walgreens. Probably those are probably medications. I hope so. Panda Express. Apple cash sent. McDonald's. Some guzz in it up. Store. Is this called store? 757. Amazon. Amazon. Black Rock Coffee. Store again. 757. Store. Guys, I have no idea. I have no idea what that is. They must not either. Uh, okay. I guess no one. Uh, high flying foods at a gas station. Gas station. Went in and got some bull. Target. And Z out. $1,000 to who? That's our rent to her brother. My brother. It's house. This is so interconnected and weird. It is like incest on your side. Financial incest. Everything is intertwined. Got to stop it. Causes weird drama eventually. You just haven't experienced it yet. If you have, you should have learned your lesson. Casino. Really, guys? Einstein. Einstein. Guzz it up. Amazon. Amazon. This is so long. My throat's starting to hurt. Like Mickey had a turn with me. Bag. Old crab. Hot stone. Taco Bell. Sonic drive-thru. City Pass. $162. Apple. Bill. Pen. Uber. Oh, more, more Uber. Uber trip. Starbucks. What is this? Forever. Is our roundup on there? Is that why? Well, they. No, it's not. No, it's not. Oh, it is a little. There's a little, but it's not that much. Popeye's. Black Rock. Also, your spending is insane. Still, regardless of roundup. Went in and got some bull. And Amazon. And Apple cash. And Apple cash. And has a bull. Target. Probably. And win in a gas station. Got a bull. $90 of Apple cash being sent out. Another Apple Bell. Taco Bell. Peacock. Peacock. What the... What are you watching on Peacock? Hara Arena. $23. Amazon. Amazon. Ono. $518. Italian. Dutch Bros. Dutch Bros. Gravity Coffee. Venom. $25. Biding. Car wash. Guess you are in a desert. Desert and snow. That's when I'm okay with it. Even still, for just maintenance purposes. A car that. It was so many pages of bull. Pure bull. We don't cook a lot because I'm not. With. We're on different schedules. So sometimes it's hard for us to coordinate with who's cooking. Prep. Warm it up. For sake. Guys, you're 28 and 27. You're not 12. Meal prep food is like never good. Good. Yeah, you're good. Being in debt is never good. Duh. That's not true. There is good debt. Not your versions. Not being able to retire is never good. And maybe make better food. Learn how to use some seasoning here and there. If I took that amount of money and just put it in my Mumu account, my investing account that I use, that would have just been growing. That money would just be growing and compounding. It'd be making money. Instead, you're just throwing it all away. $1,000 spent going out to eat in one month, by the way. $1,000. Yeah. Joke. Everything. Everything you guys are doing is a joke. You're living like children. Good luck having any with that mindset. Okay. See, here we go. $111,000 in your retirement. That's pretty okay. You know, I'd want you to be a little more by the time you're approaching 30 in a couple years. But we are on a track. Close to a right track. Yeah, you. Well, $571. Yeah, you did. You were in school for so long. Is this the same thing or is this separate? Um, no, those are separate. Good. So we're looking more. $22,000 for you. And then I have at my current job. It's at. What was the. Who has the traditional IRA? Me. Oh, so this is even more. More. Okay. You're, you're, you're. Yeah, you're on track. I think you're, you're on track. You are on track. Which means though, if we're married, we're only half on track. So let's see where this all comes to. So $7,000 on a monthly basis. Not going to put any of your business income in there, that's for sure. I'm going to put the big minimum three payment for that one credit card so we can pay it off before interest starts accruing. And just. It's just like, let's not be stupid. That's going to push our. Just our debt minimum payments are already insane without just that. I don't. I don't know how you guys have allowed this. And if your student loans kicking, you're probably at about $400 bucks a month if that all goes to minimum payment. Guys, on this, can't be true. Do I need to re-read this? I'm going to read this because that seems insane. Yeah, I got it wrong. But now I don't. That with minimum payment is $2,272.23, which is pretty wild. It's B. It's. It's, you know, it's pretty darn close to half your income. Half your net. I don't know why you guys are allowing this or accepting it. How much is rent? $1,000. Yes. What about utilities? Um, we pay $150 for water. And then electricity is $270. No gas. That's included with the water. Internet. $55. Rent insurance. We don't have it. We rent from her brother. He has like ins. Homeowners insurance or whatever for the house. I'd get it just to be extra safe if you're legally renting it through them. I'm putting $20 in there. Get it. Okay. Phone bills. What are we looking at? Are we together? My dad pays for mine. It makes his line cheaper. So he says he wants it on. Oh, mine's $40. That's not bad. It's actually not bad. Okay. Gas. V. V. Drive. Drive. Um, probably about $160 a month for both because we have one car. I work remotely. She works remotely. So it's just really work remotely. And well, guys, we don't have time to get any food from the kitchen. Car insurance. $153. Definitely not the worst. TP. F. Anything else to survive? Giving you guys $200 bucks. This is nails. This is makeup. This is toilet paper. This is whatever it is. Tampons. It is everything you need to survive that is not covered in this additional stuff. You apply more detailed going through the budgeting class that you need. Okay. Groceries. I'm going to give $600. Follow the meal plan in that class. Medical healthcare. Um, okay. Therapy. How much is it on a monthly basis? Um, well, it really just depends on when I want to go. Well, give me an average then. Um, for $50. Okay. Medications monthly. Um, like if that's like $250. $250. Yeah. For what? I didn't see that. She doesn't even know. For what? No, it's for your. Um, oh, yeah. Her. Well, yeah. And she gets those the injections from like the compounding pharmacy. The like semaglutide injections. So they're like. What's that? Two. That's like O. Epic, but like the cheap version. Okay. Anything else medical? No. Have you lost weight? Yeah. How much? Over how long? Like 15. Um, in. I don't know. Like 4ish months. I think with all the Z out. I'm surprised, honestly. But good job. Good job. You have pets? How much for pet food? We spend. Well, yeah, probably about like $250 for pets because we have five cats and a dog. Good. And they all have pet insurance? No. So we don't have pet insurance. And we were looking into it when our dog got sick earlier this year. Yes. But now that she has. It's considered a pre. What was her sick? She was like severely dehydrated and had like Giardia. And then one of our cats too. He's had a bunch of illnesses before. So I feel like getting it for them would. Can you get the other cats? I'd get them just for those. Who? You can. I'm going to budget in $150 because it'll literally save you thousands. You're not going to let them die. And if you can't afford pet insurance, you can't afford pets. Anything else that needs to be in your budget that I have not put in? Speak now. I don't think so. Okay. Yep. We still have enough. I'm not going to give you any fun because this is so stupid. I've been doing it. And you need to learn discipline financially for the first time in both y'all's lives. So $879 left on a monthly basis. Okay. That is. But that is paying off the, the, the Stephanie's USA Bank by the time that interest accrues. So we'll cross that off because that gets us there. I put that in your minimum monthly. Yeah.

Yeah, admit a monthly payment on your student loans until they're paid off. Yours probably same once you get them. So we have to work to pay off outside of the those $3,419 of bad debt we should never have allowed us to get in this position. It takes 34 months. It's not the worst. It's about 3 years. It's about three years. But you guys got yourself into a three-year mess. But that doesn't include being able to go to Disney once at all. If you do, if you do go to Disney, I will allow you to go make more money with the second job. Someone, both of you, whatever it is, or raises or whatever. And once you're able to put $1,000 towards the debt to pay it off in two and a half years, I will allow you to put a little aside over $1,000 after you put $1,000 towards that towards Disney things. If that's what really keeps you going throughout the situation. But $1,000 a month needs to go to a minimum. If you're not willing to go get another job, then you're not going to Disney. This takes 3 years to pay off. And then probably another 7 months to get an emergency fund or something. That's what this is looking like. My job does have a lot of, uh, overtime opportunities. So take them. Nurse them. Put in those needles. Whatever you guys do. Okay. Okay. There's options here. Consolidations going forward or not. Now, it's a discipline change. Now, it's a maturity change. Now, it's finally taking control for the first time in our entire f***ing life. You can pay this off in 2 and a half years, even quicker if you really want to take more overtime, get more raises, pick up a second job, whatever you guys need to do. But you're not allowed to go to Disney unless you're putting literally a minimum of $1,000 a month towards this debt. And then an emergency fund after that. That is when you're able to go to Disney. Probably not as much as you do. I would still put more towards the debt because maybe we as a SW get out of this in two years rather than three. Why go to 30 and 31? Why be there when you pay off debt? It'll be 30 and 29. And 10. It's a little better. Then you can, you know. We're about halfway of where we need to be so far for the retirement. Actually, a little less because it's not an equal split. You do make less. You make half as much. Meaning you guys are about a third of the way to your retirement goal in a few years from now. Okay. About a third of the way. So you're behind. You're behind. But you can change it. This is specific. You need to do now. Disney's not really in the picture unless you do it the way I discussed.

All right, guys, join us. Join us in the post show. We have. That's where we have all the extra goony, wild conversations. We talk about some more juicy stuff that we can't talk about on the main show for demonetization and privacy reasons. Make sure to join us. Join Hammer Elite for the best value. Over 1,000 hours of extra content. Let's get your Hammer Financial score. Spending in a budget. You overspent. Zero out of 10. Debt. No collections. It's really bad. Dad, I can't give it any better than a two out of 10 because it's basically as bad as it's close to as bad as it gets. Um, emergency fund. There wasn't savings, was there? No. No. Guys, you're going to Disney. That's a joke. Zero out of 10. Retirement. Again, you're about a third of the way there. I'll be generous and give a four out of 10. I can't. Now it's a three out of 10. Real estate. Zero out of 10. Hammer Financial score. You hit it. One out of 10. All of our education is bundled together for 15% off. Link in the description below. I'll see you guys in the post show. It'll be fun as always. We still owe for the wedding. But what do you mean you owe for the wedding? Our debt payoff strategy is three years with literally no fun. So that's more debt. Yeah. And I, I did about sick. For sake. What? What possibly? How much more debt for the wedding? You've ruined this whole f***ing thing. No, we still owe on it. To watch the financial audit post show, click the join button below.