The Worst Finances In Financial Audit History

In whating world did you guys think you were ready to bring in a child into this world? Mindset is that No, you weren't paying them. Your mother was. — But they were still being paid. — No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be paying house? — You weren't. YOUR MOM WAS. ARE YOU NOT ABLE TO UNDERSTAND? WHAT? Paid it off? I HAVEN'T SEEN PAY IT OFF EVER. WHERE'S THE PAYOFF? SHOW ME THE PAYOFF. I DON'T SEE IT. WHAT ARE YOU TALKING ABOUT PAYOFF? YOU'RE A DUMBASS. HOW CAN YOU TELL ME YOU'RE PAY WHERE'S THE PAYOFF? — IT PAYS OFF. You pay. Look. Okay. No, it literally does not show up. It — You ain't child in there. Your mother's good luck in there. You're — The summer budget reset is now live. Get a full year of DollarWise Premium, plus my four bestselling educational courses and a digital copy of my budget friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67% off everything. So, don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now. — Hello, I'm Jessica. I'm 32 years old. Hi, I'm Angie and I'm 31 years old. We're from North Dallas — and this is Financial Audit. — Okay. Too stiff? Oh, I don't know. Are you scared? Like, thanks for coming on. — What? — Well, I don't know. You're excited about something. Jessica, what do you do for a living in North Dallas?

— Truck driver. — Wow. — Yeah. Semis. You're not a You're You don't do conversations, do you? — No. — Well, good thing you came on a podcast. — Well, all I do is talk to her. — I'm the one that talks. — Oh, yeah. And she does all the talking for me. — Are you in the truck as well? — Yep. — Okay. Do you guys truck drive together? — Yep. — Is this how this works? Okay. So, how does this work? How does this look? Is it one paycheck, due paycheck? How does this work? Are you getting paid for the route? — Separate paychecks. Um, — so you're not in the same truck? — We are in the same truck. Why is the separate paychecks down? Are you not just completing the same route? — We're two people. — I know, but it's not paid per route. Okay. Listen, I mean, I'm not a trucker. I don't know. You tell me. Educate me. What do you make, Jessica? — I make um I want to say 13. — Oh, you're going to say, how about like what you actually make though? — It varies, but the average is 13 a week. 1300 a week. — Very good. Is that what hits your account or is that what you make before? That's what hits my account. — Okay. 1,300 bucks a week. Okay. Very good. Angie, — she paid the same. — No, make the same. — You make Okay. — The same truck. — We drive. — I did get that fact. That is true. Uh, but I wanted to make sure. So, that means the household net income is $135,000. 200 Well, $135,200 a year. That ain't bad net. and in suburbia Dallas. Now, north, you know, the north Dallas area is where it gets a bit more expensive in like the suburban life. But listen, — I could have sworn we made more. — We do make a little more, but — then why would you tell me that number? I would like to know how much you actually make. This is financial audit where I audit the finances of which I would need to know your income before we do anything. Would you like to try again and tell me what your income is? Should we do part two? — It varies. So, I put average in the middle. — Okay. Well, if that's average, you wouldn't make more. — I beg to over the course of a year. That's not average then. — I beg to differ. — She doesn't have money. — Okay. Well, you don't handle the money. So, how would you know? — I will just swipe the card. — Boom. — That's how you beg to differ. You swipe the card. That's an interesting argument. — Cuz I think I make more money. — I'm about to make myself [ __ ] — You think you make more money? Do — Make more money. Are we married? — Yes. — Congratulations. How long? — Hit a year in March. — Okay. How long were you dating before? — Uh 2020 2021. So 5 years. — Okay. Yes. Very good. Okay. Well, that's actually kind of low and slow. — Yeah. — For less — this one — situation. — Well, that's good. Well, welcome to being responsible, I think. Right. Is that what you were trying to be? Were you trying to be responsible? — Maybe. — Okay. Oh, you were her trucking instructor. Oh, you like groomed her a little? — No, we're best friends for a year and then — you're her driving instructor. Okay. — Only for a month. — And were you best friends before that or after that? — No, I met her in the truck. We met in Chicago. — And you locked her into your semi. She hasn't been able to leave ever since. — Well, I was quitting becoming a instructor and moving to just driving regular and she needed a partner. — What kind? — I needed a trucking partner cuz — you guys were driving a year together and then all of a sudden, uhoh, one trucker instructors get a new student and then I have to go off and find my own partner to drive with and I didn't want to do that. — Yeah. I was saying you guys were driving for a full year together and all of a sudden someone made a move. Got a little juicy, a little spicy. — Just a little bit. Just mild spicy. — Okay, so what's going on, guys? What are we talking about? I guess I don't know how much money you make, but listen. Or no, Jessica says this is how much you make. Yeah. And am I trusting Jessica? I feel like I'm trusting Jessica because at least she looks at the account and being told you don't. You just swipe, right, Angie? — Mhm. Dang. Swipe, swipe, swipe, swipe, swipe. That's what she sings on Christmas.

She also calls it the magic money card. — Never runs out. — Wow, that's someone I would want to attach the rest of my life to. Why the did you pick that? That's delusional. — Just look at me. You — What about you? I can't tell which one looks more like a man. Like, I don't know. What am I supposed to be doing here? — Oh, rude. — Kind of, I guess. Not really. I mean, you're lesbians. I mean, you get it. Lesbian truckers. What else am I supposed to do here? Come on. — We're here because my wife got pregnant by a man. — That is usually how that works. — Another man. Well, a man. I'm not a man. Another man. I mean, you were the one that just got insulted when I said you looked like one. So, — I'm not a man. — I mean, I knew that. — You know that. Okay. — But I did. I knew that. — Oh, you figured it out. Okay. me a little bit. — Well, yes, that is usually how that works. The nut of a semen from a penis attached to a man is usually how a woman such as yourselves gets impregnated. Well done on that. — Thank you. — How'd you find the penis? — Uh, Facebook. — What in the [ __ ] are we doing here? — Do you know about the penis? — I do. — Oh, picked the — So, you can send it to the penis. — Yes. — You picked the penis. You helped pick the penis. Penis picker. — Yes. Oh, — we looked into pregnancy. We looked at how much everything was going to cost. — We thought about IVF. — Oh, it's — way too expensive. — You guys make good money, but go ahead and continue. — Way too expensive. So, I took the opportunity to look on Facebook. There's — Facebook. — Yeah, — Facebook Marketplace. Nut — not — Facebook Marketplace. We show up to the — Okay, that makes sense. — For all this. — Yeah, there sperm donor groups. Okay. Thank you, Zuck, for providing. — Very good. Okay. So, what did you find? I don't know. I've never done this. — Yeah. Uh, well, we found a lot of creeps. — Who would have thought? Not me.

— So, we had to filter through all that cuz they like — what? They just want breeding — Mhm. — things. — Yeah. And most of them, they want to do it all natural and stuff. — Well, yes. They want to stick their penis inside of you. — So, we got to — Absolutely not. — Yeah. That wasn't an option. — Yeah. — Oh, well. Well, so what did we find instead? — Still a lot of creeps. — So you selected a creep? — No. — No, he — Well, then that's where you would answer. So what did you find instead? — He's very nice. Found a nice man. — A nice 27year-old. — Yeah. Let's see what this guy looks like. And how much did you give him? — It was free. There are people that charge. Like we um — What's the point? — They — Why did he do it? to help. He likes helping people. He has um — Okay. I mean, definitely incel, but the thing is the incel. I feel like he would do that — so that he could like have sex, but like you guys didn't have sex. Um, okay. You guys all friends? How far is he? Do you guys like live next to him? Is he going to be a part of the kid? — Oh, he lives 4 hours away. — Yeah. — Okay. Is he going to be a part of the kid's life? Is this going to be complicated? What kind of rules and regulations? Did you do paperwork and [ __ ] — A lot of paperwork. — Okay. A lot of paperwork that was legally approved or is this downloaded from lawyer. com? — I mean, it was notorized. — Oh. Oh, notorized. — Yeah. — Officially notori like actually. Okay. Okay. Well, not that they not that a notary specifically would say that yes, this document is going to hold up in a court of law, but you know, they validated that at least it was signed correctly. — Mhm. And he plans to give us three more. — What is he getting out of this? I'm so confused. — He's helping us. — He just helps people. He's very nice. — So, he just wants to spread his seat along all over the world. — Mhm. All over. I — think he has like eight kids right now. — Two on the way. — In that document, it also says you cannot get child support. Correct. — Thank for him. Oh my goodness. Don't really understand his This is a weird passion for him. — Although somebody is doing that to somebody else right now. — Well, yeah. on. No [ __ ] That's what I would be nervous of. Okay. So, he's not going to be involved again. So, listen. Are we even ready for a kid? I don't understand how we're going to do it. You want a different job? Are you going to stay home? I don't understand. What are we going to do? We live in a truck all day. Are we long haul? Short haul? What are we doing? — Uh, long haul, right? How long could we do it? — Kind of long. — Kind of long haul. — We're on the road 4 days out of the week and then we're home. — How are we doing a newborn? Especially too cuz you're going to do it again immediately. — That's when we switch in the inel. You know, these kids are gonna be shooting up schools left and right. — No. — Okay. — I don't believe it. If we're long haul right now for the next two months, — 3 months, — you give birth in 3 months. — I want to go all the way to the end. — Oh, you both tried to get pregnant at the same time. How the are we going to do that? You wouldn't be able to do that. You know, if we're long haul If we're almost long haul trucking, how the were we going to do that? — Figure it out. — Oh, what an answer. Let's know what was your plan, guys. And if that's actually your answer, then you're a selfish. — I You just roll with the punches. — No. Okay. Well, then you're a selfish cuz the kids come into this world and we're just going to roll with the punches. You weren't prepared. You aren't doing anything. You — roll with the punches. You have a kid. Plan for the kid. Make the kid's life good. — Got a plan, but not too much. — Okay. Then what's your plan? Even not too much of a plan.

What's your plan? — Roll with the punches. — That's your plan. Okay. So, — until work says she — You're laughing. That's funny. Your kid's not going to have a plan. parents around her. — There's a plan. She just doesn't know the plan. — Oh, she doesn't know the plan for the person who also tried to get pregnant wants to get pregnant next. What's the plan? — Planner. — Plan is one person we make enough money for one person to d to uh work. — Maybe. I don't know. What's your rent? — Our rent? Uh 1,200. — Yeah. Yeah, you could do one person. Okay. — See, that's okay. Well, there's usually more bills than one person. I mean, I have a stack of debt. Why are you in debt if you guys make so much money? So, you What's the plan? — Shut the up. I will murder you. — I'm telling you, roll with the plan. She said she knows the plan. You don't know the plan. You've never heard of a plan in your life. — You go as the — Is that how you got here? — Yep. — Yeah. I don't think that worked very well. — You're on financial audit, [ __ ] — So, you What is the plan? with the punches — with our first one or with more to come. — Let's hear both. — Okay, the first one. My ideal plan is roll with the bunches. Stop saying that. — I'm going to still do trucking but local, which I'm be home every day and I want her to get a job that at least makes $500 a week. — How are we taking care of the kid then if we're both still working though full time? — There's dayare. Okay. You're put you're doing immediate daycare at zero. Mhm. — Okay. — Or um — you'd have to be able to afford that. That's expensive. — I could have maybe my brother he he's — that's a good breastfeeder. Um yes. Yes. Pump into the fridge. I know. I get it. — And also I'll be working overnight. So during the day, — no. — What? Okay. So you take care of the kid at night when your days off. I — go to bed sometime — cuz you got to Yeah. You have to sleep. Exactly. That's what I'm saying. Like what? When's your time with a kid then? What? You're literally a couple months away from giving birth and we have no idea how the we're taking care of this kid. That's kind of selfish. Just cuz you guys wanted to have kids. I want everyone to have kids who wants to have kids. But you got to at least think of what the life looks like. Like you're immediately going to get pregnant again. It also hurt you the one got that pregnant when you both took the nut. — Mine didn't hold. Clearly — hold. — Yeah, it didn't take. Oh, it didn't take. Okay. Well, it's a little different. — I thought you're talking like miscarriage. I don't know. Hold. — Yeah. — You got a miscarriage. No, — you got a in. You put it inside. — Okay. So, we have no plan. — We do. Thought my plan was pretty good. — You're — You roll with the punches. — How are you seeing the kid? How are you taking care of the kid? I feel like we don't have anything here. And how many kids are we going to have? — We want three. Ideally, three, — but if it comes down to it, we'll have to have four if we have four. Three boys. — Yeah, but she wants to stay at home and be a trad wife, I'm being told. — Mhm. — She's tried it before in the past and it did not work. — With who? With you? — Yeah. Who else? — Well, what failed? I don't know. Someone you may have been with before. — What the You think — I had to make her get a job? — Absolutely not. — I don't know your life. I don't know you. How would I know that? Shut the up

you obnoxious creature. So, what failed? — Laziness. She didn't keep the house clean. — Got lazy. Oh, so you wanted to be a Okay, that's not tread wife. And you were just a lazy. — But I had other things. — What other things you had? — I was making carpets. I was — Oh, making carpets. — Yeah, I was a classic wife. — Trying to find something to do. She has a lot of hobbies. — That's not treadwing though. That's just you doing what you want to do and having her work. — No, because I could technically make money. — Let me guess. You call yourself an entrepreneur, too? — Yeah, I do. — Yeah. What's your little entrepreneur? — I told you. Making carpets. — Yeah. — Custom sneakers. — Oh, wow. — Custom shirts. — Custom shirts going on. — We've made zero. — Uh-huh. I call it a work in progress. It's They're just hobbies. — Uhhuh. — Yeah. And that I mean it sounds like that's all they'll ever be. I don't want to [ __ ] on your dreams, but like you've made zero in how many years — and she — of making carpets. — She wanted me to start a hot shot business. — Started a couple months. — Hot shot. You want to start a pot shop in Texas? I mean that [ __ ] just got like pretty much extra hot. — No, we did start a hot shot business. — A hot shop? What's this? It's uh where you get like a dully truck and your own trailer and do loads yourself. — And what have you made? — Nothing. It failed. — Lasted like four months. — You didn't even make a dollar. — We made money. — Not really. — Did we not make money? All those trips we took all over the place. — For as much money we invested into it, we did not. — We're not We only did it for a couple months. We're not going to make back what we put into it, though. Well, maybe if you helped a little, we would have made a little more money. — How did you want me to help? — Booking the loads, come with me on trips or — did I not sit there? — It was your idea to make to start the business. — I have a lot of ideas on a lot of business stuff. — And that's why I stopped listening about your little different businesses. — Everyone has the everyone could have the idea, oh, I'm going to make shoes. That's any unique idea to make shoes. We've done that. Humans have done that since forever. What you're not I'm sorry. You don't have a unique idea. What's your unique idea? Everyone has picked up things and moved them. What is your unique idea? — What are your ideas on business then? You're not going to do anything if your idea in business is I'm going to make shoes. — No one does that. — Try what you have to have. What are you bringing to the marketplace that is actually unique? — Nothing. — Then stop. — But I have a lot ideas. What are your grand ideas that are not already being done the exact same way but better? — You have a new idea? — You know, I'll come up with it. I will — It's a wonderful strategy. It'll just happen. — Maybe my kid would want to join this wonderful idea. — Oh, poor child. — What the — What do you mean? What are you going to make them make carpet? — No, not carpets. It's like that's a — that's your thing. You're a — freak making carpets, clothes, shoes. You couldn't even You somehow in the world of the Dallas metropolitan area about to be the third largest metro in the country couldn't make money moving things for people. — Why would I want to move things for you guys? Business. The hot shop. — Why did you guys do a hot shot? But that was for like I'm thinking you're thinking of moving people's houses, not like — what were you moving — tires? — Good. And you couldn't even do that in a the fourth largest metro in the US about to be number three. You couldn't even make that work there with millions of people. How the are you going to be able to do anything? — But that would that's out on the road. That's that wouldn't — you're just going somewhere to pick [ __ ] up. What do you mean you're not benefiting anything? We're all over the place. All over the US. — You do have a new business venture. She told me the other day she wants to be a barber. — Yep. — Never once cut your hair. — I want to be a barber. Very good. Yes. — Again, that's not you having a business idea. That's just you wanting to do something different. — My carpets are great. — Yes. She loves — munching on those carpets. We know. Listen, — you loves switching on everything like jobs and everything. She gets tired. Well, I get bored. I do. I'm all over the place. Like I want to do a thousand different things, but you got to lock the in. You have a kid coming in a couple months. You don't get to choose this anymore. be that independent, but may I think it is. — Have a lot of ideas that he could potentially think that it might be a good idea. — Maybe let him be an entrepreneur then. How about you take care of the roof over his head today? — Easy. I'd join him. I have the money. 18 years. You can today. Make sure there's food on the table today. — I Well, I guess I'm going to have to just still truck drive until I find a new idea to come up with. — It's not about ideas. You're not coming up with ideas. Cutting hair is not an idea. What do you think you are, dude? You're the laziest entrepreneur I've ever heard or the most. I can't tell. — You're not an entrepreneur. — It's new to me. — Cutting hair. That doesn't mean it's new to humans. Other people cut hair. — I can't just think out of the box. I can't just be like, — then you can't be an entrepreneur. No, it's as simple as that. Cold hard truth. If you can't think out of the box, you are not an entrepreneur. Give up. — No, I refuse to give up. — But you're not an entrepreneur. If you can't think out of the box, you will never be successful. — Can you help? — I thinking out of the box. — Help me. — What do you want me to help you with? — What are you talking about? I want to do something that will benefit our lives and our kids lives. — Good work. You make money. You guys are over six figures net. You guys do incredible for the metro, for the country — and be on the road and never see the — You want to do something you want to do. But I thought you guys were three on, three off or whatever. I don't know. Right. — Mhm. — Okay. You're going to see the kid. — No. I want to go to games. his games. — Okay. Well, first of all, he's going to be zero. He's not playing baseball this year. So, like you have some time to do a transition into some different kind of trucking or something. — Yeah, but at zero he's even going to be smiling, seeing people, seeing colors, seeing me at zero. And if I'm — If you're working three days, you're going to see a lot of smiling for four. Just work 3 days. You're off 3 days. And if — you're off, — I mean, you could request to work only 3 days. — Well, there you get a good amount of money still. — No, — cuz you guys already make a lot of money. You can take a little pay cut. — How? — With what she just said. — You're so stupid. She just said what? — We have so many bills. You — But then you can't do what your plan wouldn't make sense then cuz your plan was based on basically only paying for rent by one person stopping working. — No. So, what? She just said you have a lot of bills. — We I just need her to get a job that's going to make her just — $500 a week. — What is this $500 a week thing? What is this? What is this target? What have you done? Does she even know this? Does she understand? Make the logic work for me. — I've told her. I've told — cuz say I continue making like at least uh $1,200 a week. That's what $4,800 a month. And then if she brings the extra $500 a week, that adds $2,000. So that'd be like 6,800 a month, that's good. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-sizefits-all solution that treats you like a number? Some generic calculator that spits out, just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, "Good luck. " They work to understand your specific scenario and help provide alternative solutions to becoming debtree. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. 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That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Wise. com. Link in the description below. Well, but that's half of what we're making now. — 30 days of work. — That's half of what we're making now, though. But I still need to get — Can you guys afford half? She just suggested no with the bills you got. Listen, with the conversation that we just had about this businesses and stuff like what the how do you guys even have conversations around the finances in the house? What does it look like? What do the conversations look like in this house? — Um, — basically I can't spend this money. — She starts talking about her business adventures and I shut them up. — And what do you do? No, tell me. I want an example. What do you do? Give me a reason about it. — Okay. I want to be a barber. — No. What about a tattoo artist? — No. — Why? — Because you've never even drew drew. You've never drawn drawing. Nothing teach yourself how to draw. — You got to You learn. It's like a learning process. — And then barbering. You've never cut in hair. — I — even my hair you don't cut. — I did too cut your hair out on the truck that one day you were like, "Oh, I need you to cut my hair. " What did I do? I balded it. I bald you. — That's not That's a baldy. That's That doesn't require skill. — I feel like two toddlers are having a conversation. This is how it looks in this house. When she talk What the This is like a grade school conversation. — What do you expect? — An adult conversation. — We just had one about — It was a grade school conversation. I cut your head on the road. Didn't you see when I took out my scissors and started snipping? — I disagree. Oh, good rebuttal. — You — well thought out, very nuanced. — I am. — You are what? What are you? — I just think that I — You guys need to get out of the cabin, man. — Why? — You can't talk. — I talk to people for in

the shipper. — In the shipper? — Yeah. — I don't know what the shipper is. where we go to unload the truck. — Okay. So, okay. The shipper. Very good. Now I know what a ship is. — Glad I learned something today. Okay. So, that's okay. Conversation around the job. Sure. What about when it comes to spending, budgeting, our goals, everything like that? How do those conversations go? Who's what? Cuz I know you blame her for the debt. I have to know. I was just typed that you blame her for the debt. Does she even know you blame her for the debt? — Angie, do you even know that she blames you for the debt? — No. Okay. So, what are the conversations that happen? What is the insight? I need insight and how finances are communicated in this house. Please, — literally, I want to, hey, can I buy this? No, — you at least ask for everything. — Not for everything. — Then what are you saying? You're leading me down a path. — Store — and I'm like, oh, this is cute. I'mma get it. — Cute. What's cute? — Baby clothes. — Okay. — And I'm like, oh, I'm going to get it. But me, she'd be like, "Oh, no. It's too expensive. " She'd be like, "No, don't do it. " But I'm just going for cuteness. I don't care if it's — Oh, Jessica, what do you think about this? — How do you communicate back? — What Because my communication would be divorce and murder. But what would yours be? — No, never. — You wouldn't murder me. — Okay. How do you communicate back? I just get just a simple no. — That's it. And there's no push back. There's no worries. Then why are we in debt? — What are we struggling with? If you can just say no and you're the financially responsible one, you can just say no. And she's like, "Okay, then why the are we struggling? You guys make a [ __ ] ton of money. If you've been pregnant for what is it, it seven, eight, I forgot. — Seven. — Seven months. " — Mhm. — Why is this not improving? Why is this still bad? Why is the most recent statement? Why? Cuz you have a kid coming. — Okay. — And if you can just say no and she's like okie dokies. Then why the are we IN THIS SITUATION? — We just started taking over the bills. Yeah. — We from — my mom. — What bills? — What do you mean bills? — The house. The — the house. What about the debt you're in? Was it your mom's debt that you took over? — Utilities. What? — It's all — all your mom's debt. You don't have any debt. Well, the thing is um when she has debt when we started working — we saying she says you have debt. So why are you trying to gaslight me? What the are you talking about trying to improve? — I did not know that we had debt. — You didn't know that you had debt? — Yeah. — Are this is our — What kind of broken are you? — This is our second month doing our own bills. — [ __ ] spending was 1,750 regardless of debt, 750 was out the door and just [ __ ] nothing. not improving life at all. — At a minimum, by the way, minimum — you what? — We've redid our house. — That's not miscellaneous [ __ ] — Stopping in a gas station. Stopping a McDonald's. — We used to smoke. — I'm glad you don't cuz you're pregnant and you almost were. If you want a high five for that, I ain't going to give it to you. That's kind of basic. — You sure? — Yes. Glad you don't smell like a nasty piece of [ __ ] Well done. Proud of you. You woke up to what we all figured, don't you? — Gas. Who said that's not miscellaneous [ __ ] That's transportation of which is very expensive. In fact, it's 38% of your spending. I'm not complaining about that. I might, but I'm not cuz I assume you guys fill your own tanks cuz you're independent contractors, right? No. Is correct. — So, how's the transportation so expensive? — Probably going into truck stops and buying food and stuff. — No, no, no. Transportation. You usually it's not gas. Oh, would it be like — Oh, [ __ ] We'll have to go into it, but I would like to hear I was thinking maybe you would have any kind of insight into your finances. I thought you were like, — this is our second month ever paying our own bills. — How guys, I'm so confused. We're 31 and 32. What the is wrong with you guys? — Well, even — our mom our mom. — Oh, her mom. — Okay. Why were you never independent in your life even before her? — I'm irresponsible. I don't even have a bank account with my parents. — How are you surviving before her mother? — My parents. — Your parents. So you guys are coddled children. And yet you thought it was time to bring a child in of your own. — We grew up. — Pathetic. No, you didn't. Growing up wouldn't be this. putting more on a credit card than you spend. — We still have a house over our head. We still have electric on. We still have water. — For now, we grew up — for now. from our parents. Well, not I don't know about you, but from my parents doing everything for me, you know, to us well me now paying stuff on our house. I think I grew up. — You're pathetic. I'm calling your parents in the post show. — Oh, well, my mom died, so you can't. — What? — Yeah, my mom died last night. That's why we're taking over. — Oh, yours is dead, too. — Yeah. Stop it, — guys. Everyone's getting dead parents. Stop. — I'm sorry. That's hard. — Your father. — You can call him if you want. — Okay, got one. We found one alive. — You know, don't call mine. He doesn't speak English. — I'll call. No, we wouldn't do that. We like — He's in Mexico. Uh, yes. — So, you could call them all you want. — We'll just drone them instead. — No, we make jokes. No. — So, that's why I'm saying it's only been — I'm sorry to hear that your mother passed away, by the way. — Since we was in charge of paying all of our bills for us. — So, that's why I stopped 2 months. — Yeah. — Okay. — I didn't even know that was that much money. — So, — all of it We just gave her a flat. I'm being told we're going to call your sister cuz your sister's living off you guys milking off of you cuz she was milking off a mom and now mom's not there. Now she's milking off of you guys. Which doesn't even I mean I don't even know if that's your Yeah, sure. She might be like a [ __ ] sister or something, but you guys have your own lives regardless. Even without her, you guys are just destroying it by spending more and more money. You guys are afraid to confront her to get her out of the house. Why are we afraid? How can you be afraid? Uh — she used to beat me up when I was little. So — Okay. Well, you're certainly not little. I'll tell you that. Hey, — fight back. — Hey, — what? — That's mean. — Yes, you're on financial audit. — Okay, but talking about somebody's weight is rude. — Did you not watch the 15-minute onboarding video where I said, "I'm going to make fun of your weight, and if you don't like that, tell me. " — Oh, yeah, I did. — Oh, that's weird. Okay, so you're not tiny anymore. Hit back. — No, it's not worth the headache. — She'll stop talking to me for a while. — Good. Right. Isn't that what we want? To get her out of the house. — No. Just because she stops talking doesn't mean that she's going to get out of the house. — Okay. Who owns the you do you own the house? — It is our house. — No. Do you own the house? — Like is it in OUR NAME? — YES. YES. WHO OWNS THE HOUSE? GOOD DEATH. THIRD TIME. — My grandma the house. — Okay. — Grandmother's perspective on this then? — She's not alive. She's dead. Who' the title get passed to? It would — then — Me, but not yet cuz it just happened in March. — Okay. So, once it is your house, take your legal authority and kick her the out, right? If you Why are you afraid to confront her? I'm so confused. Because she's violent. — No, it's just violent. — It's not worth the headache. — Well, but okay, then what's her what's the problem with her being there? If that's not worth the headache, then the headache of her being there must not that be that big. — She has a dog. — Woof. Like, okay. Welcome to American Households. — Her dog is mean. — Okay. She has a bad dog. — Yes. — That's our big issue for wanting to kick her out. — Well, she leaves her dog at our house and then she just leaves for days and then comes back. — And you've brought this topic up. — Mhm. We brought it up to her. She — She does her own thing. — Walk the way. — Okay. Then she'll text her. So you'll kick her out. — Then she won't talk to us. — Okay, then kick her out. You're living with a child. — Why she doesn't talk to us? — Cuz you'll evict her. You own the house. — We don't No. Yes, she does. — Not yet. — But she's about to. — She's about to. I'm saying when she gets — about to is going to take more than — a year. — It's going to take a year to get the title. Two years. Hawaii challenging. — My uncle's the executive of the house and — he's in prison. — The is wrong with your family. — Never said our family was perfect. — Okay. But you want to move into a new house anyway. So I don't even understand the purpose here. — I do. — We are not going to do that. — Why? Because our house, — you've been in that house, that family household for — how are we even going to get a new house? — Your whole life. You sell that house that we're currently in. You sell it. — How? The uncle's in prison. — Well, is he going to be in prison forever? — You made it basic. It sound like it would take 2 years. — I mean, yeah. — So, she can't sell to the house for 2 years. — She could rent it. Can she — Can you — can't get the sister out? — She'll come with the house. — You don't have a roommate. — Uhhuh. Okay. That's not a real answer. So solution to your issue. You want to move. — Yeah, I Why are you against this? I guess this I'm being told this is one of your guys' biggest disagreements. — This is our biggest disagreement. It is. — What's the issue? What What's he What's What are you advocating for? — I want to move. Okay. We got married. We have a kid. Why not move into a house that is ours that we can call ours, not a childhood home? I moved out of my childhood home. — Why wouldn't you want to move out of yours? — The house is paid off. The house is almost paid off. We It's a four bedroomedroom, fourb house, and we only pay 1,200 — and we live in the suburbs. So — Okay. Well, you'll still live in the suburbs probably cuz that's really all Dallas is. — What if I don't want to live in Dallas? — What if it wants to move to Pennsylvania? — I want to move somewhere closer to my family. — Do you want to? — No. — Okay, then obviously we're going to have a problem. And also, who knows if the opportunities are as good as wherever you are going to be in Pennsylvania. Where in Pennsylvania? — It's probably not, but it doesn't have to be. — Where in Pennsylvania? Then where? Okay, Philly has opportunities. — Yeah, but it doesn't No, she's not going to feel comfortable enough to live over there. — What? Why? I don't know anybody over there. — Well, no. But that that's moving. It happens. — Yeah, but it's like she'll never feel comfortable enough around like my side of the family. Well, how are we coming to any kind of agreement on this topic then? We want to move. We want to move somewhere else. No, we're not going to move the mortgage payment. I mean, that's a decent argument and I do get that, but you still sell the house. You can still sell the house and then you can walk away with that massive equity position, but — I wouldn't get the whole amount of the house. — So, it would it's not just you on the title. Who would? — No, it does go to me, but my mom said that if the house — Yeah. — said — Yeah. said — said might not be enough. You might get the full amount. — I know, but I'm pretty honest person. So, she said if the house ever gets sold, I got to split it between my brother and my sister. — Okay. But they don't get equal rights to the house before selling. — We would get a bigger portion and they know that. — Then that's not equal splitting. — Well, they know I'm paying on it and have been paying on it. So, — how long? — Uh 2 years. — Oh, your mother wasn't. — Uh-uh. We would send her mom money. — How much were you guys giving her? — We gave her $2,000 a week. — A week? — Yeah. — What? — To pay all of our bills and — Oh, wait. She was paying y'all's credit cards. — Yeah. — Whoa. You guys are actual children. Why do you guys think you are in the place to bring one into this? — Electricity. — No, no. Just like credit cards and basic [ __ ] Not knowing that [ __ ] at 32 and you're bringing a kid into the picture. Wait, you didn't even know because you only started doing it for two months. — It's our second month doing our — second month. I got that part. But you are seven months pregnant. In what world did you guys think you were ready to bring in a child into this world? What the irresponsible selfish behavior mindset is that? — Paid. — You wouldn't even know. You weren't paying them. Your mother was. — But they were still being paid. — No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be parents? — You weren't. Your mom was. ARE YOU NOT ABLE TO understand electricity? — Are you that much of a [ __ ] — It's our money paying all the not doing it. You couldn't Can you even tell me how much of So $2,000 a week and how much of those went to actual bills that were your own? — Who knows? — See, then you can't tell me. LIARS. EXPENSES are $5,000 a month. You guys found out on your own, I'm being told. But $2,000 a week being taken from mom, where'd that go? $8,000 a month. Where'd that go if it was only $5,000 in expenses? No, but it's only 5,000 in expenses a month is what you guys have found out. Where the additional three? — We went on a lot of vacations. — But your So your mom would pay for them. So your mom had the savings. — Yeah. — What? So your mom was putting it into savings for you? Why the did your mom think this was a good way to live? — It worked. — No, it did it work. — It did. — Okay. Total savings $460.

— No, it didn't work. Where'd the extra 3,000 a month go? for years. — It went to vacations. — You took 3,000 hours a month vacations every single month. — It went to — So every two months you guys were doing a great grand European vacation cuz that's what that could do every two months. — No. — Then what the are we talking about? — Well, we did have a lot of arguments with her of why we're paying so much. — Yeah. And she said, — "What did she say? " I don't remember what she said, but — what? And you guys just allowed it and continued. What the are we doing? — I think we lowered the amount we gave her. — Two, — 1,500 — each. No, for the 1,500 a week. — Yeah. — Well, that would make up for Oh, I No, no. That Yeah, it would still be a thousand more than your bills, though. I'm like, where would that go? Didn't go to savings. She had 400 bucks. — She probably gave some money to my brother. — Oh, nice little redistribution from y'all's — brother. brother, sister. — So, money got taken from you. Give it to your brother. — And also, we were paying for her doctor's visits and stuff. — Well, that's fine, but you should be able to allocate how much money you want to be providing to that yourselves. — We told her to retire and we would take care of her. — Take care of her, — right? But she's taking the money without you guys designating how much money you want to give. — Why would we designate where the money go? — Cuz it's your money. You can choose how much money you give, but you had zero insight. You're giving 8,000 for 5,000. You had no idea where money was going. She was just blowing it. And now you guys have zero life skills to be able to actually manage. — Huh? — I'm not good at math. So, I wouldn't know how much. — I can tell I'm actually very nervous that you are on the road. — Do I have to do math on the road? — She's not a good driver. — My brain is broken. Exactly. One, you're a woman. — Women can drive. — Can I? — Can you drive a semi? No. — Exactly. — But I'm a [ __ ] — Well, nobody told you to be that. — No, just like woman. No, I'm kidding. We love women drivers here. Better than immigrant drivers. — Do you? — Yes. — What's wrong with them? — Who? — Immigrant drivers. — What do I What? I didn't say anything that would respond to — You said that you love women drivers rather than immigrant drivers. — At first, that was a joke. That's why I looked at the camera like Jim from the office. But also too, I got it. — I mean, yes, there have been actual documented issues. — I didn't catch the joke. — Yes, that's why I said I'm concerned of your brain being on the road behind a multi-tonon vehicle at 70 mph. — Working. — When and where? We have not found out. — Our truck goes 75. — Even scarier. What's the financial score of this household? 0 to 10. Zero being the worst, 10 being the best. I think we're at a solid four. — Oh, we agreed on it. Mhm. — We agree on things. — We could agree on things all things. — Good. Glad to hear it. That's — Would you agree that ours is a four? — I don't know your finances yet. I wanted to get the baseline, understand what happens in this household. Now, I'm going to go into the portion of the show that you signed up to be on where I go through the documents, and then I'll tell you your score in the end. — Great. — Okay. If you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45 minutes to get yours like they do, but you can get yours at calebmer. com. Take the assessment. Takes a few minutes. See where you stand in the world of finances, where you're doing bad, where you're doing great. Again, it is free at caleb. com. And if you do not want to be like them or they're just figuring [ __ ] out now for the first time in their lives, download the dollar wise budgeting app. That's what you guys should be using. Get your free trial. See if it works for you. Most people take the annual version because it saves a lot of money. And when you do, you get the digital version of my cookbook and my 30-day detailed budget meal plan where you can meal plan every single snack, drink, meal, everything on a $300 person budget. It is awesome. We verify it each quarter to make sure it's sticking with that budget. We'll raise it when we need to. I'll sign it, mail it directly to you. This is what you need to change your food life, change your budget. Download. Tens of thousands of monthly active uses for a reason. — Check it out. — Is it signed? — No. I thought you just said Jo sign it for me. — Excited for the annual dollar wise. — She missed that part. — Looks good. — dollar. com link in the description below. Let's get into this. Who has the quicksilver? Do we even know who has the quicksilver yet? — It's both of us. — You're both on it. — We're not on it at all. — It's my dad's card, but we use it. — Oh, okay. Then what's the — I have it in my wallet. — Your dad's card? — Yeah. Mr. Mexico? Mhm. He has. — Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollarise annual, you'll get my four course educational bundle as a special bonus. So, you can get financially ripped while you track your money. And normally, this would cost over $700, by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four best-selling courses. Oh, and you'll also get a free copy of my budget friendly cookbook, PDF, to download, so you can also get your body in shape, too. Don't wait until your first vacation to try to get your finances together. Go to dollarwise. com or click that link in the description below. That's kind ofing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3. 5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. He has good credit. — He has great credit. — Does he? — He does. — When on a card that is maxed out over $1,000, it's his card. I don't think he has great credit. I don't think you — He never even touched it. — Does it matter about it? — Well, you guys are Oh my gosh. You guys are pathetically No, no, no. I'm sorry. I have to pause. You guys are actually morons if that's how you think this works. Just because he doesn't know about it or he doesn't use it doesn't mean it being maxed out over $1,000 over the max doesn't impact his credit when this is his credit card. Are you guys that pathetically stupid? I have to ask. I know I'm being mean right now, but I have TO ASK. IN NO WAY IN THIS WORLD DO you guys think just because he is not the one swiping that it is not proacting his credit when it is his CREDIT CARD. PLEASE tell me you understand that. — That's why we're paying it off. No, you are not. You don't. I'm so sorry. I'm being so mean. No, you are

not. — Hey, — you put a,000 bucks to it. YOU SPENT THREE. You tit dude. You have a credit limit of 7,000 ON IT. YOU OWE EIGHT. PAYING IT OFF. GO YOURSELF. PAY it off. You've never heard any child in there. YOUR MOTHER'S HAVE YOU GUYS EVER HEARD OF WHAT PAYING IT OFF IS? JUST SPENT TRIPLE WHAT YOU EVEN PUT TOWARDS THAT PAYING IT OFF. WHAT ARE YOU TALKING ABOUT? IT'S $1,000 OVER the limit. PAYING IT OFF. WHAT? PAY IT OFF. I HAVEN'T SEEN PAYING IT OFF EVER. WHERE'S THE PAYOFF? SHOW ME THE PAYOFF. I DON'T SEE IT. WHAT ARE YOU TALKING ABOUT PAYOFF? YOU'RE DRUNK AND TRIGGERING ME. YOU'RE A DUMBASS. HOW CAN YOU TELL ME YOUR PAY WHERE'S THE PAYOFF? — IT PAYS OFF. You pay. Look. Okay. You pay as much as you need for the bills that month. — What? No. No. — That's why the payment never shows because it was $1,000 over. I thought the limit was 800. 8,000. — Remember? — Just look at it. IT ONE TIME. — NOW IT'S SEVEN. — It doesn't show up. — I THINK it literally does. You — No, it literally does not show up. It — You sent me this. MEANING YOU HAVE ACCESS to this. You — I did not send you that. — Who did? Papa. Papa in Mexico. — No, I sent it. — THEN YOU CAN LOOK AT IT. — I DIDN'T LOOK at it. — BUT YOU CAN I KNOW IT'S NOT A BASKET OF FRIED CHICKEN OR WHATEVER THE YOU LOVE. YOU CAN STILL LOOK AT IT. I don't think I've ever looked at one of those. — You're I don't expect you to do anything, but you at least. — Yeah, — I just found out about that card two months ago. — YOU'RE THE ONE SWIPING ON IT. HOW DID YOU JUST FIND OUT? — IT'S ME. I swipe on it. It's in my wallet. — And I just tell her, "Hey, it's over the limit. Can we pay this? " — Bro, you don't even have a checking account. You're 31 and you don't Why the do you have access to this credit card? — I have access to all credit cards. They're in my wallet. — Huh? — What do I do here? This I'm sorry. This kid's Can we just be candid here? THIS KID'S WITH YOUR not understanding of credit limits or looking at accounts or you having access to cars. You don't even have A CHECKING ACCOUNT. YOU DON'T HAVE A PLAN TO SAVE your life. Uncle who controls everything's in jail and you're spending 3,000 wolf putting a,000 couple hundred towards it. And you didn't look at — We're learning. Yeah. It's a learning process. — You're learning. You're 32. — You're 32. — At 32, YOU COULD LEARN ABOUT INVESTING in mortgages, but you're 32. WE DON'T. AT 32, WE DON'T LEARN ABOUT OPENING A CHECKING ACCOUNT. We never had to learn before. — That's what I'm saying is the problem. Don't bring in a kid yet. — Well, a little too late for that. — IS IT? GO TO COLORADO. — NO, you can't do that. — Okay. I wasn't advocating for it anyway. I'm just saying you guys are — him a little. He's kicking. — He's going to need to kick a lot harder to end it. I'm sorry. — He's just he's — is learning. You learn. Like I said, you roll with the punches. — You don't have a checking account at 31. — I'm your — Exactly. So, your kids? — No. I'll grow up. — Why haven't you then? — We didn't have to. — Yeah. THERE WAS NO NEED. — WHY WERE WE IMPREGNATING OURSELVES? — WELL, you're still getting taken care of. Cuz your grand died two months ago. You got impregnated seven months ago. Everything was taken care of. That's why. Why? Why else? We had a roof. We had all the bills covered. We gave the money that needed to pay for bills and then some. It was taken care of. Yeah. We have the financials for a kid. — You have the financials. You're over the limit on this. You have the financials. — Yeah. Well, how much extra money do we make that you were just talking about? — That's a great question. Well, here's the answer to that question. You brought in 6367 last month. I don't know how. Maybe hours were cut. You spent — Oh, and I didn't even work last month. — Well, that's why your income was half. — Yeah. — And I didn't even That's what I just said. — Hey, that was me. — You guys are so — I brought that in. Yeah, you brought that in. You guys are so stupid. That's — cool. — Yes. I just said you made half income. Well, I didn't even work last month. Well, yeah. Don't [ __ ] — You spent You spent $11,000. I don't care WHO BROUGHT IT IN. WHY DOES IT MATTER WHO BROUGHT IT IN? WHY DO YOU GUYS THINK THAT WAS A RELEVANT part of this conversation? I AM JUST TELLING YOU — because I don't even have a bank account and I brought in the money and I have all these ideas — for a new job and I still brought in that. Look at that. I'm doing something right here. I am capable of having a kid. — Oh, you spent 10. You spent 11. 11 will spend. So telling me your financials are good. Is that what you said? How much money do we have left extra? What do you mean left extra? — That was just last month. That was a bad month. — Oh, it's always conveniently a bad month. The month that I have the statements for. How does that work? Shut the up. Bad months. There's a bad month every month. That's how months work. — I told you we went into a situation two months ago. We got our last month situation. — Last month. Why weren't you working, you? And even when you weren't, why'd you spend more than you made? — I Well, I was working, but I got forced on leaving. — I got to even work last month. — Yes, you got forced. — Forced by who? — By the uh my trucking job. — Why? Who'd you run over? What kind? — They found out I was pregnant and they forced me to go on leave of absence. — What? — Yeah. — Make that make sense? — Exactly. Make that make sense. Uh, — I'm pretty sure it's illegal to do and technically I still work for that company and I'm still on leave of absence. — Okay. So, this is your dad's, but okay. Who's making the minimum payments on it? — We are. — We Okay. You don't have a check to go. Okay. But and none of you are — author brought in money last month. — Proud of you at 31. Well done. So, who — Thank you. — Are you guys on this authorized users? — No. Perhaps nothing. It's not on y'all's credit. — We uh — we just want to pay it off and close it. — Which is why you spend 3,000 after putting a,000 couple hundred towards it. — Yeah, but really strategy. — The month of March when I had no — Yeah, that's when you cut spending. Dumbass. — Dumbass. Dumb ass. — It'll get paid off eventually. — Great strategy. It's interesting how it always defaults to that. It'll happen, not it's happening. 24 years to pay off. who won't be alive and the kid will be out of college. — Yeah, but he'll have money. He will be a-ok. Okay. — You guys are the dumbest people. — Huh? Who said — me? — Why? — You the way you process information and the things you say. — Very nice. — It's cute. — It's scary. It's not cute. I'm not attracted to mentally disabled people. That might be a fetish of yours. Not of mine. — I'm not mentally disabled. — It's a Pennsylvania thing. — What? No. — What? Just cuz your senator can't read. — Never even looked at — cuz he had a stroke. — None of this stuff ever in my life. And I still don't. — Great mother. You'll be — Well, she's the math person. So, — cuz she's Asian. That's racist. Mexican. — White Mexican. — Your toner is running out. — Okay. So, you guys have access to law again. — M. — Okay. So, we don't send daddy money to pay this. — No, we just pay it from our account. — You pay you swipe and you his credit in the meantime. — We help his credit. — Over max out by a,000. You are not helping his credit. I promise you that. — I didn't know that. I should have read that. — Doesn't matter if you know it or not. You're doing it. 10 minutes ago. We found it out. — Just found that out. — That's You sent me this statement yourself. — Don't look at the statements. — That is equally — also. Why is it just not in dollar? You would see it all. It's automated, man. Okay. Okay. Quicksilver. — Mhm. — $7,934. 89. Minimum monthly payment 266. aggressive, especially if we're about to cut our income in half. Again, you won't be alive when this card's paid off. And the interest at a cruise on this is insane. It's almost like 200 bucks a month. — Yeah, I know. That's crazy. — Yeah, — I don't understand. — Just pay some extra on it. — No, she doesn't understand interest. — Is that what you're confused on? — Yeah, — it's the I'll tell you later. — It's not even worth it. It does. That's not even like that's honestly not even the critical part of this. It's just the fact that you're spending and look at this. None of it is making your life better. It's actually making your life worse. To be clear, — it's fast food. This is all — you got to eat. You don't got to eat yourself into the grave. Don't you want

to be around for your kid? make it to his high school graduation? — We're truck drivers. What else are we supposed to eat? There's not a lot of room. We can't just go to the back of the truck and cook food. — Yeah, but you could at least be even stopping more at healthier places. You're not. This is Wendy's and Burger King over and over again. — That's all that truck stops. Have you been to truck stops? — I have been to truck stops. — You wouldn't say it's the healthiest. — Okay. What are you getting there? — It says it right there. — No, it does not say what your Wendy's order is. — Oh. — What's your classic Wendy's order? — Biggie bag. — What comes in the biggie bag? Junior bacon cheeseburger. — Okay. Well, there you go. You're not getting a salad. — Ew. — Who gets a salad? You need like the greasy food to keep you up, to keep you driving. — Well, that's going to make sure she doesn't make it to high school graduation again. — She already went through high school. — Oh, she's a [ __ ] The the I know you're But the thing is, people like her don't make it to mid-50s. — Calling me fat again. — I'm not calling you fat. You are fat. — She's pregnant. She's not fat. — Can't say that. — Anyways, I got this way being a trucker. — Well, she's a trucker, too. I've seen other truckers. In fact, my uncle's a trucker, not more. — Sports. — Yeah, I should play sports. I — Maybe you should play sports then. That's not you being a trucker. It's you not playing sports. The thing is, listen, why is it People ask why is that a part of the financial conversation? One, there's three things. One, they're bringing a kid into the world. can't change the fact that you're morbidly obese now, but that does increase complications. Two, I want you to be to his high school graduation at this trajectory. You're not. Three, it's expensive the lifestyle you're maintaining. — She eats healthy. — A biggie meal is not. — That's my order. You didn't ask her order. — She's not eating healthy. You don't maintain that. — You don't know that. — Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic math. I'm sorry. It just is. Might be eating healthy, but it's a substantial amount. So, you want her to eat salads? — I don't know. It's a start. And the point is, number four, if you're going to do the ima the immense amount of sacrifices that is required to pay off this debt, what is the point if you won't be around to even enjoy the benefits? So, there's lots of reason we bring up weight on this show. And five, let's add a fifth one to it as well. If you are healthier, more in shape, you have more energy to make more money to pay off debt quicker. That is a basic reality. But you need money to pay off debt. — That's what I just said. — That has nothing to do with health. — Yes. Usually healthy people have more energy to work more to make more money to pay off debt quicker. — But we have a set route. So — you guys do well. You guys do well financially, but that is an additional argument that can be done. And you have days off. That's more jobs. — Okay. It's inapp purchases. — It's Burger King. Microsoft payment. Wendy's. Wendy's paying for a U-Haul. Smoothie King, which is not healthy, by the way. Sugar, he feels like 600 calories. It's brutal. They are delicious. — They got fruit in them. I get a strawberry banana smoothie. I don't see them putting in sugar. — You don't see it what it is. — You watch them make it. — You They put sugar in it, dude. — Just saying. — Teeu. What are we t-uing — baby stuff? — Well, you basically tu t-mooed the baby himself, so — yeah, — guess we may as well keep that up. Getting going against some [ __ ] Uh, this U-Haul lonear boat thing again. — U-uh. We help it your sister — twice. — Oh, we paid for her. Uh, — Timu Uber membership. Thank goodness. Teimu. Okay, we're teaming a lot. You guys are crazy. — We love Teeu. I know you're Asian. You went and you got some [ __ ] again. What's this? — Fatti. — True. — Who? — Filotti. — No idea. — Great. Wonderful. Incredible. — How much is it? — $28. 71. — Olive Garden. Real healthy. Fatti again. Fruity. Guys, — never heard of it. — Good death. Well, someone's doing it multiple times. Uh, yeah. Driving things that make sense into it. What the are you paying for into it? Doesn't make sense because you're not independent contractors. I don't get it. Play pass. Some inapp play pass thing. Cube smart. So we have a storage unit for $82. — We have two. — Why? Get rid of it. Doesn't matter. Get sell everything. — It's my sister's apartment was is in there. — Why are you paying for it? — Because — Stop. — She's she can't — stop. Well, she needs to get a job and she'll figure it out. — She has a job. that she can. — No. — Yes. — She can't. — Yes, she can. Why can't she? — Tell him — what? Tell me. — She'd rather go out and — so she can. You don't understand what can't is. She can. And you are enabling her just like your parents have enabled you guys. And that's why you guys are today. Bank of America credit card. Okay. Uh well, this one. — Oh, that's good. paid off, but it's not anymore. Now it's maxed out again. — Okay. So, who who is this? — It's both of ours. — Are you guys actually on it? — She is. — It's mine. — So, it's yours? — Yeah. — So, it's not hers. Her credit is not on it. — No. — Okay. So, it is Jessica's. Very good. $288. 25. 13 months to pay off. $25 a month. This is again you guys just swipe. That's funny. Mhm. That's funny. Your lives. Yeah. Nice gum smile.

Going in and getting some [ __ ] PlayStation. Going in getting some [ __ ] Lost jalapenos. There's the Mexican in you. $66 there. PlayStation. McDonald's. Little Caesars. Going in getting some [ __ ] What are you going in and getting some [ __ ] at 7-Eleven? — Gatorade, energy drinks, water. — We live down the street from it. — Oh, very good. Buy a ball. — Pizza. Here you go, gamer subs. Well done. That is your energy drink that you'll be making on the road. You'll be making at home. It is 40 cents a serving with my 10% off discount code Caleb. Link in the description below. Just go to gamersups. gg. Get free samples of different flavors. Figure out what flavors are your favorite. Then order those. It's 40 cents a serving. You're making your energy drinks at home and on the road just like you would make your coffee. It is much more affordable that way than stopping in and getting a $4 one like you did there. [ __ ] McDonald's. Leia do right. Leia Li do right. Eli do right. — No idea. — Great. It's a restaurant. It looks like 19 bucks. Fuzzy's Conco. Carl's Duncan. Charles Philly Cheese Stakes. You're killing yourself. You're killing your money. This is embarrassing. And you're smiling. This is a joke. You have a child coming in a couple months and this is a joke to you. You're pathetic. — You're pathetic. — No. — You're pathetic. Yes. — I got to eat. — Got to eat. Make a sandwich. Have you learned your gender? — Yeah. I still got to eat. I don't like eating at home. — You don't have to make it home. Take it with you. — I am. — You're not. — I do. Take it home. — Aren't you supposed to be a trad wife? Isn't that what you want to be? — To have to learn how to cook. — Do you not know what a trad wife is? I'm sorry. Like, I'm not even advocating for trad. But if that's what you want, that's what it is. — I just want to stay home, clean the house. But you wouldn't even do that. — Oh, you're so we got a robot cleaner. — Pathetic. — The little vacuum. Oh my goodness. — It cleans for us. — That's not cleaning. That's just vacuuming. — Okay. — You got to clean toilets and [ __ ] too. And K. Oh my gosh. You guys are never going to make it. How the did you That's why you predatorized her. She was in the truck. She couldn't go anywhere. She couldn't even figure out what the door handle is cuz she's And then you her Oh my goodness. — I know what a door handle is. — Wells Fargo. — That's mine. — Oh god. — Isn't that yours and your sister's or just yours? — Yeah, I put my sister's name on it when I was younger — because she would uh deposit stuff into it. — It's a credit card. You can't deposit stuff into it. — I'm talking about my checking account. — And don't forget, I want you to be on the next episode of Financial Audit. So, go to calebmer. com/apply or click that link in the description below. You'll have a great time and I'm going to roast the [ __ ] out of you. Starbucks is [ __ ] and a waste of money. And you already know that by making your coffee at home and investing the rest. So, now you need to do that with your energy drink as well. MAKE GAMER SUBS AT HOME FOR JUST 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. — The number one ranked energy drink is Gamers. — Literally, the cherry flavor is insane. — Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs. gg or click that link in the description below. Type in code Caleb. — The credit cards just — Okay. Hey, well, you only made the minimum on this. No surprise to anyone. Well, it was a couple bucks more than the minimum supposed to do. — Shut the [ __ ] up. No, you — didn't say make minimum payments. — Who says — the app? — Yes, that is an option. option. You married an impol, — but you got to make the minimum payment if — she's not in charge of the financials. That's very true. — She just carries all the cards. — She's driving. — I know how to drive. read signs on the road. — No, you have no processing ability. — Yeah. Stop means stop. A green light means go. Got it. I know the gas and I know the break. — Wow. There it is. That's everything you need to know, right? — Yeah. — $795. It's maxed out. No one's surprised. Four years to pay off. Kid will be four by the time this is even pay off. You made $75 payment which I like I said is more than the minimum but then I realized it was worthless anyway because you purchased $95 on it. So you it completely you it'll see what do we even get interest acrewing [ __ ] [ __ ] Oh Pizza Hut. Thank goodness. Going inside getting some [ __ ] a couple times. And pizza hut. — Pizza Hut's good. — It's actually not. It's like the worst. — What's your choice of pizza? Anything besides Pizza Hut? It's greasy and it tastes like nothing. — Are you a Domino's fan? — Better than Pizza Hut. — What? — No, — bro. It's not 2012 Domino's. — Nice. So, what's your favorite pizza? — Well, first of all, not going to be a chain. I'm just going to say that cuz there's a lot of good pizza and the chains aren't it. — Yeah, we don't have that option. But yes, Domino's, Papa John's, Hungry How's, you name it, it's better. Pizza Hut's the worst. — I don't think so. — Cuz I mean, yes, Pizza Hut might taste a little better than Little Caesars, but Pizza Hut, you're paying the same price as actual good pizza places. — Pizza is the best pizza. — Wow. — Yeah, — I understand it. Okay. So, you've had a late fee this year. — Are you surprised? — No. — Oh, — but I would like you to be. Because that should be that should be a big wakeup call. And it's not a good thing. — How much was it? — Remember your whole make a minimum to payment thing? That's what avoids that. — $25. — Oh, that's nothing. — Oh my gosh. So, that's the mindset that gets people in the show and into bankruptcy and losing their children and their house and their everything. Smile about that. That's wonderful. — Yeah, but you got we got other credit cards. So, if we miss one minimum payment on this one, we still got other ones. It's not like it's going to break us or — Jessica, I'm sorry. You picked the wrong partner. — Just financially. — No, that's one of the leading causes for divorce. divorce in this country. — He just doesn't understand. — We don't argue over money. — It's cuz you have nothing to argue about. You know nothing. You just go. — You are — a child. Oh, no. No. — This I'll be honest. I'm more worried for this child coming to this world than most any child. This is actually very scary. You don't understand the impact of what is happening here. — The child will not have to worry about money. No, — that's not how this works. They will grow up in a house where he will be worrying about money. — No, he won't. — That's not how this works. You guys are so ignorant to this. — We didn't. — We didn't worry about money when we grew up. — Yeah. And it set you guys up for so much success. — It did. — Is that the argument you want to use when we're talking about this with where you ended up? I mean, you're looking at papers. I don't look at papers. So, — she just looks at how we live. — No, no, no. — I look at what I got. — She needs to go through an education plan. And that needs to be an ultimatum. And if not, you need to leave her. — What? — Oh. — You guys are not going to make it in life. And then I'm me, an actual contributor to this world is going to have to subsidize you. — What do you mean? I'm living right now. I'm going to make it alive. And so is my kid. Oh, what did that have to do with what I just said? — You're because you think that we're not going to make it alive cuz you're reading these little into — I said I mean I have to subsidize you. Why are things more expensive? Healthcare morbidly obese. Why is uh interest and everything so horrible? People go through bankruptcy. No consequences whatsoever. Boom. You guys, why is everything so bad? Takers. People that will never learn any responsibility because you'll take advantage of every system that has ever existed. — I know. But we barely found out about this stuff and we're working on it. — She doesn't care at all. She said a mispayment or a late payment is not bad. — Well, that was one. There's a lot of them. — Oh. — Oh, well, I didn't even know that. Pathetic. — You guys are why things are bad for those who work. — But we work. — Yeah, we work — for now. You already talked about cutting your income in half. — Yeah, for when the baby comes. — And your income's going to go down. Then you'll get more access to social programs that I pay for. And then you'll get more child care subsidy. — Too much money for — you. Get your child care subsidy. You're welcome. — We wouldn't even know how to go about getting — I was just about to say — it's called the standard deduction and it will be automatic for you cuz you will declare the — But don't you got to apply? — No, you would show that you have a dependent. — I don't do taxes. — You She does my taxes. I've never once done my taxes. — Taxes I could do. I think — the IRS will literally take everything from me if I miss $1 in taxes. You guys, they won't even give a and then I have to give you all my money. It's pathetic the way we've built society to just encourage people like you. It's disgusting. Hey, mortgage. This doesn't make sense.

Okay, you're past three payments. — I told you what happened. — You make so much money. — No, my mom died. So, we had — You didn't immediately call the bank of the house you live in. Yeah, we didn't. I didn't know if the payment was due or not. — THE PAYMENT'S ALWAYS DUE. — NO, BUT YOU DON'T know when. We just took over these. It's 3 months. — 3 DAYS. — You call the bank that don't know how bank it is. — You look at the mailbox. — That's what we just FOUND OUT. — GOD, THREE MONTHS LATER. WHAT IS WRONG WITH YOU GUYS? YOU CAN'T DEAL WITH [ __ ] OKAY. — It — shut up. — Let me write this down. Shut up before I have to hear your nonsense. — You got to write quickly. — Shut up. — I can't when I have to deal with you cuz you're impossible. — So, you can't do two things at once. — No. — Well, that sounds like a personal problem, but — brains cannot adequately do two things at the top level — at the same time. Top level. Shut up. Great interest rate. Don't give this up. If you do, it's pathetic. — Insane. — And then you didn't pay. You didn't even call low. THE SHUT UP. THE BALANCE IS $53,3519. Do not give that up. Do not let this go to foreclosure. I will kill you in Minecraft. Please. This is the This is such a glorious thing in a booming area where you have an equity position. Do not this. So, your normal minimum monthly payment is $1,240. 31. — Mhm. — Do not give up this amazing equity position in a boom area. Do not this up. — So, I'm not moving. — No. I mean, well, no, no. I don't want you to lo. You can sell the house and get have an incredible equity position. You can do that. I'm just saying don't lose it to foreclosure. Okay. Uh, why are we passing you on T-Mobile? the answer is always going to be the same. — We just took over it two months ago. — We didn't know. — But two months ago, What do you think would happen? — We didn't even know the login. — That part is okay, but you can call. — Well, we tried to call to um lower the bill and they told us no. — So, you did call to pay the bill, but you called to lower it. — Yeah, we paid the bill. off. — Well, off. — You want to lower it — off, guys? Okay. What is this? — It's a card that we just got. — You guys has got a car loan and you can't even figure out credit cards. — We needed — I traded in my truck for it. — Why? — Because her truck's a gas guzzler. — My truck payment was 1,300. — Okay. So, it wasn't a paid off truck. What's the interest rate on this? I can't see. That's not on the statement. You wouldn't know. There's no way you would know. You know nothing. Not even worth me asking. — I think it's 12. — Uhhuh. Uh-huh. What do you think this car is worth that you owe $25,82 on? — Think like 23. — Okay. It's worth $16,000. — Is that good? — No, it's not good. Oh, — Asian math failed this time. $25,8. Yeah, but it's worth the a cheaper payment than paying 122,000. — And you know that's the poorest mindset that Americans have. — You know that's what Americans is they stretch payments further and further thinking the minimum payment is all that matters. Listen, yes, this might be better than the truck, but your equity position is horrendous likely because you rolled over negative equity either way. But the thing is that mindset right there is what most Americans paying for it. It's cheaper. Do this, do that. Everything's cheaper, cheaper. stretching it longer, but then you're stacking more and more debt forever on top of each other. Keep more risk over your head forever. You want to get out of debt as quick as possible. — We're trying. — Especially No, you're not. So the [ __ ] if you spent more than you made to try every credit card that was there that you spent money on, you spent more than you put towards it. Try. YOU DON'T KNOW WHAT the word try is. You've never tried anything in your life. You've never done Like actually, So you can't say that. You've literally never done anything. You've been a child and you still are. Minimum monthly payment is 47646. — Disagreeing with you on that one, but we are getting better at paying things. — No, no. Like, no. — Reminder, we also are 2 months in on doing all this. — Oh my gosh, I know. And that's [ __ ] And whatever. — Hey, that's my car. — Oh, what car do you have? possibly owe? $46,227 on a You're and you have this. — I have a 23 Jeep Gladiator Mojave. — Why? Why do you have a $46,000 car? Why do you need that? — It was cheaper than — Why do you need that other Cuz her Scat Pack got totaled. — What did you just say? Also, you're past. Okay. So, you're past due by 4 months. What is wrong with you? How do

you fall behind? — Yeah. — How much is it past due then? — Four months. — I know. What's the number? — $1,362. Normal minimum is $362. — No, that uh payment is $1,300. Oh, so you're okay. You didn't make the full payment. You couldn't — So, I see your current amount full due is 1,72520. — The regular amount due is $1,36. You have $1,362 monthly payment on your Jeep. — Yep. — No, that's not the number, is it? — It's more than the house payment. — Is that the number? The number on screen? — Uh, they did not send me bins. — They're sending you. Uh, actually, let me double check that should be in the email. One of actually this is for the Jeep. — The Jeep I did not have a vent. — Oh, dude. Dude, you owe $1,300 a month on a car that you owe $46,000 on, which your interest is probably like 30% or something. Predatory. — It's not% I think it's like 11 or 12. — Yeah, it's still [ __ ] Shut the [ __ ] UP. — SHUT UP. — DIRTY is dumb, — dude. Oh my gosh. Why are you still on the previous topic? I'm trying to move on. Are you incapable of having conversations? So, should I start that again before getting interrupted? Okay, thank you. Let me try this again. So, you owe $46,000 with the $1,362 monthly payment. What do you think that car is worth? — I'm going to say 30 something. — What would you say? — I don't know. — Try. What do you think? What do you think it's worth? — A lot of money. — Okay. $15,990. You got predatored. — No, not for a Mojave. — Might be a little more, but that's what we got. But it's certainly no more than half of what you owe. No more. You're do you guys everything and you're bringing a kid into this mess? This is disgusting. You are easily within the top three highest minimum payments ever, but you are easily the most ever. So, this is horrible and you're stuck and you can't get out of there. You can't borrow the difference. You're [ __ ] — We're not even trying to sell it or nothing. I like the car. — Oh, good. She likes $1,300 monthly payment more than her mortgage. — That's a nice car. — Good luck in there. You're — No, he won't. No, he won't. cars will be his probably. — Okay, I have a [ __ ] ton of collections. I'm not even going to — It's just whatever. Listen, I mean, it's all bad. It's about $1,000 in collections. Who — both? — No, I think that's you. The $1,000. — The thousand added up — cuz mine's way more. — Oh, yeah. — Oh, okay. Who has uh I think this is a firm. Yeah, — you're affirming your tim. Let's owe down a firm. What is this? What? What is this? Is this different brand? — That's CLA. — What do you owe on a firm? — Doesn't it say right there? — What's your monthly pay? No, that's your upcoming payment. — I think it's like — Okay, total you what? — There's three different ones and they're like 20 each. — Okay. Total a firm owed is $263. 32. going to guess. — They're all almost paid off, too. — Almost, but they're not. 53 payment. But it's all stacking. That's where your mindset's broken. It's stacking. So, CLA 100 116. What are we claing — TVs? No, it's eBay. — Oh, — TVs multiple. — Uh, we have a 100 in TV. — That's already paid off. Why do you have a 100 in TV? You guys are so man. — To play Fortnite. — You get to see the people really big when they're really far. — So you can shoot them. — What are you doing? — We got anywhere from 100 in to a 75 in. — You know that actually goes against the gamer mindset by the way. — Why? — You actually want relatively smaller screens so you're able to analyze better. I'm too blind to see. I need the big — It doesn't matter. I'm not considering you guys professional gamers. The CLA, — you guys are so man. CLA is 262. 98 uh owed, but your minimum appears to be — that is a lot of papers. — Yeah, you're behind on that one, by the way. But either way, uh that'll be paid off in two payments. Shut up. 13195. Okay. — Autopay. Yeah, it says auto pay. — Yeah. Well, you probably don't have enough in your checking account. Yes, it can. When you don't have enough in your checking account, — it doesn't get paid to our checking account. — When you don't have Yeah. — Oh, — you guys are not nothing. — Like, I don't even know if this is even worth continuing. You guys won't be able to do anything. You guys are starting from negative knowledge. Like it's actually so broken. I don't even know what this is. This is an the other one. You have an eBay. This is a firm. This is another affirm. Who's affirm? Her affirm. — I don't have a firm. — Another affirm. No, that's the payment that came from the previous. Okay, whatever. Listen, I don't even know if these are debts or not. This is such a mess. You got to figure it out. — Seat geek. That's a chief's game. Okay, this one's closed. It's a closed account of a th00and. So, this is a collections that I think Jessica has 1,326. Pathetic. Okay. And now checking account. And I don't even have to ask who's cuz you're a literal child at 31. And it's disgustingly pathetic. You have 131 in your checking account. Yes. You probably bounced at one point and had a payment that failed. — What? You see cheeseburger? What? Burger King. Taco Bell. Went outside, got some [ __ ] Went some [ __ ] Uber, Amazon, Sonic. You see how you just destroy your body and your life and your finances? — It's me. I have the cards. — You see how you just destroy your body, your life, and your finances? Shut up, both of you. You have a child coming that in a couple months. Apple bill, ATM withdraw. Who knows where that $100 went? Waterburg. Patreon off. Ancestry. What? You wanted to figure out if you're Asian or not? Uh, going out to eat. $45. Apple bill. Stopped in the gas station. Got some [ __ ] Use Gamer Subs. It is so much cheaper and it tastes better. Photo print online. What are you doing? Zelon Money. ATM 240 and who knows where. When is I got some [ __ ] Use Gamer Subs. Amazon. Apple Bell. PlayStation. Uh, I think somewhere in your town. Uber and Amazon, Donuts, Subway, Patreon, Google, Hulu, Netflix, Subway, Premium. This is so ridiculous. Wait, who was Bank of America then? — That's mine. — You have two checking accounts? — No, it's a savings. — Oh, our savings that only went down. That's good. Okay, so this kid is going into a savings collapsing household. And then our Wells Fargo savings went from 1,600 to 25. — Yeah. — Oh my. patient. — Oh, that's more important than our kid. — He's going to be taken care of. — No, that's not how this works. The world is not just sunshine and rainbows. It's not. I don't want to boomer this, but like this is that's just not how this works. — You will be okay. — Oh, wonderful. You hear that, kid? — We just took over. — No issues. That means nothing. You drained your savings to go on vacation. — That was That wasn't a vacation. No. — What was it? No. We went to Mexico for my mom's last day on Earth. — She was in Mexico. — No, we took her from Texas to Mexico. — Okay. Well, listen. I can appreciate that more — cuz that's what she wanted. — Yeah, I can appreciate that much more. I can appreciate that. And you guys make enough money to be able to fund that. And so you would immediately in that circumstance of which I can appreciate immediately replenish savings with the next paycheck is how that works by the way. So total

income well it's going to get cut in half but we'll put a $11,266 for now for the next 3 months. But your minimum monthly payments including the mortgage is $2217. 72. That's not you catching up on minimumly payments. That's normal minimum monthly payments. What's your gas, electric, internet, all that combined? All your utilities. How much? Uh, two, four, five, 550. — Uh, gas of vroom vroom, drive, both of you guys combined, not work. — It's going to be uh 80 for the month — for both of you. — We work at the same place. — Why' you say that? What the? But yes, but you told me your transportation was that much because you're driving. Chuck. Oh my goodness. Phone bill. — It was in there. I was like, "No, it's $3. 89. " — Pay off your phone, switch to Helium for $15 a month. — We have a lot of — Yeah, you need to pay off your devices and then do that cuz it actually has the same coverage as T-Mobile or various T-Mobile. — Shut the people. — Then get rid of them. Get them off. You are independent now. Car insurance, how much? — Uh 350. — Okay. Necessary food. I'll do a little more cuz you're on the road for a little bit of needing to go out and stuff, but 800. You will be meal prepping mostly. Coolers like a you just have to. This is not an option. TP fun again. A little elevated cuz you're on the road, but I'll do 300. Anything else you — don't It is everything else. It is toilet paper. It is toothbrushes. It is tampons. It is everything. It is makeup. It is everything. Okay, fine. 200. — That's still too much. I think like 100. — Subscri I doubt it, guys. — I'll do it. — Subs. Shut up. Subscription 75. Medical healthcare. Are there co-pays on a monthly basis? — Yes. — How much? — Um I know I still got uh to pay 1,500 for the — No co-pays, just ongoing co-pays. — Uh yeah, I pay uh my insurance to the How much is it? 65 every two weeks. — Okay. 3:30. — Yeah. — Is there a gym? — No. — Are there pets? — Yes. — You guys are truckers. Why? What do you have? — A Rottw RER? — He's five. And he's so adorable. — He comes with us on the road. — Oh, okay. Pet insurance 50 bucks. How much for pet food? — Um about 50 a month. Anything else that needs to be in this budget that I've not put in? — A little bit more for subscriptions. — Go [ __ ] yourself, kid. Come — a lot. And his food. — You're cutting a lot. — His food's on a subscription. — I know. That's why he said — I put that in as a separate line item. You — do not understand things. — She has selective hearing. — No, she's actually a [ __ ] Like actually. — Not as an insult. Like she's actually stupid. That's kind of alarming. No, I just don't know nothing about this stuff. — Okay. Needed to survive 309 or uh sorry, 5,91 72. I'll give you $500 in [ __ ] spending. Congratulations. It's going out to eat subscriptions, whatever you want. — So, let's call it 5,600 — spin. — 5,600 to live. Let's call it that. which when your income cuts in half is not going to be much left and you have to cut your [ __ ] spending. And until then, you have an extra, let's call it 6,000 just to be conservative left on a monthly basis of which of that of the 141,935,000 of debt minus about $2, let's call it 400 of collections minus the mortgage of 53,351. Okay, so $86,184 of bad debt of the $6,000. If you maintain it, which I would appreciate would take actually 14 months to pay off the debt. Then you could get a fully funded emergency fund. So actually I would do that. I would continue these work hours as much as you guys can even through the birth can. If obviously do things that you have to do, but of those months that you're able to do the kind of work that you're doing now. If you follow this budget, you can pay off your debt in 14 months, which sets you guys up for a great success. Call it in a year and a half to pay off your bad debt and get a fully funded emergency fund. And then at that point, which is six months of your living expenses, at that point, your kids's going to have a great life and you're going to live within your means, which is 50% on needs, 30% on fund, which is a lot of money for you guys, and 20% on savings, so you guys can have a retirement so your kid doesn't have to take care of you. What a joke. This is so easy to pay off. You guys make so much money, you're just literal children. It's actually kind of pathetic, especially with a kid on the way. This is pathetic. The fact that you guys haven't learned anything until 31, 32 is very pathetic. We're going to call this uh the sister in the post show. We're going to confront her. Um, and then yeah, I guess you're getting sued and stuff. Okay, we got to talk about a lot of stuff in the post show. Let's get the hammer financial score first. Hammer financial

score. Spending in a budget. Oh, you ever spent 0 out of 10. Debt, there's collection 010. Emergency fund, you drained it to zero. 0 out of 10. Practically retirement, didn't see anything, 0 out of 10. Real estate, not on the title yet. — Can I give a score to that? I can once you're on title today, it has to be a zero, but it will. and you're behind on the either way it will go up to a five or six depending on where you are in the payment status pretty quick. Could be a seven or eight if you're actually caught up really well and it has a good I can do position maybe even a nine but today is zero. Hammer financial score 0 out of 10. Get yours at Caleb Hammer. com. Click that join button. Join Hammer Elite to get three premium shows every single day 6 days a week including an extra 20 minutes of this episode called the financial auto show where we're going to call our sister. I'll see you there. — Hello. We're talking about you how you live with us and stuff. I am trying to find a place, but I have not saved anything yet. — You as a family are planning a huge trip to Disneyland. — I wanted to have some fun. — We were thinking paying us dollars a week. — Yeah, I'll think about it. — I think she's the most person I've ever met. Don't forget the summer budget reset IS NOW LIVE. GET A FULL YEAR OF DOLLARWISE PREMIUM, plus my four bestselling educational courses and a digital copy of my budget friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything. So, don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.