$418,000 Of Debt To "Flee Trumps America" | Financial Audit

To watch episodes of Financial Auto a week earlier, check us out on YouTube. With Blue Hair you think I'm patriotic? But I can honest. I'd be patriotic when we're spending more money on bombs than we are for like social programs. Literally just got the information that you were just wrong and yet you're still doubling down. I'm a military kid and I can tell you that shit is not needed. What do you mean? I've been using a lot of things. That you don't know anything about? I definitely know more than I thought I did. What? You contribute literally nothing. You've only been a taker and yet you're the one that doesn't like the country? Then the one that gives everything is the one that likes it? Leave for where? Anywhere. Anywhere. Take it. What happened there? Because that is the reality of her situation. And maybe she hasn't confronted her to thought about it for the first time in her entire f*cking life. You own her. It's weird. Next week is the final week. Dallow-wise is finally here. Sending waves to the personal finance world. This is officially now the best bushing app on the market. And I'm giving you a special deal to download but only through March 31st. Take a free three day trial to test it out. And then you get the monthly plan at a 33% discount for the first three months. Or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan. Signed by me and mailed directly to you. After March 31st, the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dallow-wise's Start Your Free Trial. Go to Dallow-wise.com or click the link below. Hi, I'm Violet and I'm 24. Hi, I'm Daron and I'm 27. And we live in New Braunfels, Texas. And this is Financial Audit. Thanks for coming up from New Braunfels, y'all. All right. I love a good couple's episode. What do you do for a living, Violet? I am a student and an artist. 24, okay, artist. Well, yeah, Future Buristum. I see it with your hair. Also, what is it with the tall kind of fat men and like, got the women? It's a thing. It's a collection. I think they collect one. It's just like they're born and destined for each other. I don't know. Do you collect the tall fatty or does the tall fatty collect the gothy? I love tall fatties. I'm not gonna lie. Like I like that. Yeah, I like that. But like, no, I like that. It's honestly because they're super tall. Yeah, it kind of evens it out. Yeah, I guess it does even it out. So you don't make anything. I have a business that does technically make money. Business, yeah, let's hear it myself. What's this? What is it? So essentially, it's a sticker business. I go to markets and it centers. Oh, no. No, it centers around those things. I can pull up to every weekend. And they all have the same pop-ups with little knick-knacks people made in the spare bedroom. Excuse my past, a big booty frog. Wow, you're just as unique as all the other people making really weird things that think they're unique. Yes. It's every place now. It's every little place. I'm like, oh, I'm going to go to a cute little farm which markets. It's just like everyone's selling their spare-f--king bullshit they make. I mean, you'd be surprised at what people will pay for a lot of the stuff. Oh, I'm sure they do. I'm sure they do. I mean, that's why they're, again, everywhere. It's kind of crazy. So what does this business make of which you make nothing from? Um, so total revenue, I want to say, in the last year, it's been around 50K. And then-- What? And you've made nothing? I don't pay myself. What does it go? Um, primarily back into the business. I believe in reinvesting into my business as much as possible. Well, to--what's the future of this business that the investing would get us towards? Um, primarily just variation in products and-- Variation in booty frogs. Yes. So, like, there's different brands. Yeah. Yeah. There's different brands. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I would bet. Okay. So, you bring in zero. You say you're a student, too. What does that-- what's that situation? Um, so, I'm an art student. Um, so, I get money from the VA to pay for money. Why? Because both my parents are 100% disabled. Okay. So, I have chapter 35. Okay. Okay. So, you don't pay anything for college. Nope. And you're using that opportunity for a art degree. Yep. You picked up the Goth one. Other political stickers. I thought they're booty stickers. They're booty stickers, political stickers. I think art is inherently political. I mean, you know, what do you mean inherently political? If I compose a piece of music, that just sounds like-- Number one, that you're re-roy-al, yeah, for me. That's political. Not necessarily political. That's just-- Take. What do you do for a living? I am an R&D software engineer at a university. There we go. Now we know how the world is going to be. I'm going to be a part of the world. I mean, I have blue hair. I don't really do. We're not surprised. Yeah. Just out of yours. I'm kind of fine with anything. Okay. Great. I love that. Sure. Why not? Okay. So, our degree, the blue hair, we get it. But here's the thing. If our business is making fifth, if their business is making $50,000, without without. Here we go. Without their putting any effort, without them putting any effort, it's like I'm learning English again. I swear. I'm so sorry. I'm not pretending to be disrespectful. Without them putting effort into their business, $50,000, a lot of leftover finger practically right now. Imagine what it could be if she's actually f-. Let's be real. That's revenue. Yes, that's revenue. But if she, oh my f-. That's not a profit. Like at the end of the day. Can I be like a name the phobic of your choice? I don't care. Can I be phobic for a second? Can't you just be her for a second so I can just speak? So I can just say words. I don't mind any of that. Thank you. I just want to be able to talk without doing equations in my brain. Oh my gosh. I wish school I warned him and her. I respect pronouns. I don't give a f-. Integent to you. Integent to you. But- Integent to you also use they then when you don't know the gender of the person. I mean they then goes back to Shakespeare. In what context? I mean, again, I don't care about pronouns. I'm down with pronouns. I just want to talk here. I'm talking about money in your legs. I'm not trying to jump through hoops to be the good guy. Okay? So yes, I mean, I say they when I don't know things absolutely, but also, I mean, when and a chick with like her nipples showing through her thing in front of me is there. I'm thinking woman. It's not the, and it's not the, I don't wanna go down the rebel hole. I respect it, and I typically say the pronouns, and I don't really, I'm very like free to more and to do whatever you wanna do. I really don't give, I'm just trying to talk. I'm just trying to talk, and it's complicated. It's complicated. The match sum, just gonna do that. Do I have consent for she? Yes. Okay, if she is barely even touch on her business and full focus is on school, and even with her employee doing inventory management as making $50,000, imagine what it could be if she was putting her full focus on her business. That could be four times. That could be $200,000. Hey, but you want $200,000. But the thing is that I think that the business is currently at capacity at $50,000. How do you think the Sanctuary Pneural King? Because, where's your assessment? My assessment is based on the fact that of how much money they make per event, how many events they can run per year. There's only one of the events for her at school. And also you could just come up to Austin. Again, I say I walk around a corner and there's one of these pop-ups they're everywhere. I just live to Asian festivals. $1,000 every week, that's only $52,000. $1,000 per pop-up. $1,000 per pop-up. She could probably pay $250 for someone to run a pop-up somewhere. See, that's why I've been wanting to grow my team and at least get more of a team together. But you want to grow your team with other art students. That don't work. No, that's perfect. That's just an art business. That's perfect. She also works with Heartstone. She can pay a minimum wage. They're worth nothing. It's easy. Well, yep. Well, they're not getting a job anywhere else. Fair enough. She's actually in the correct marketplace. And then that way I can also pay them to go sell at the events. They can start getting more experience for themselves. I've even thought about doing the three-month internship into like a whole time job. I've also thought about, okay, listen, I mean, here's the reality. The fact is there's a big disconnect here. I know people like you. It's not necessarily a bad thing. But you and your family have ingrained in your brain that degree collection mentality. You think college and education is above all outs. But you don't realize the actual education that happens when scaling a business. You don't realize the actual education that happens out in the real world outside of just a classroom. Classroom isn't the only place you learn in this world. People that just collect degrees, they might become a professor in the end. But the most successful people in this entire world that have led generations of entrepreneurs are actually college dropouts. That's the fact is the most successful people tend to be entrepreneurial driven. You're a degree collector. Nobody respects those except for other degree collectors. I mean, I would say that at least for me, collecting a degree has been very profitable, has been very capable. You're an engineer. You could have done that with a certification. You would have been fine. I just had one on the show the other day. How was she make? I make 110. Very good. That guy was making 100. No degree. That's good for him. That's good for him in a lot of other people I know through like course career certifications and whatnot. They go ahead and get, they get a certification, they get a hundred thousand hour job. Your degree collection didn't do it. Your skills did it and getting a degree was good, but people have been able to do it without certification. With certifications, don't give me a run. >> Well, he is talking about leaving his job. >> Not only that, but the labor market is aggressively hard right now, I will say. So degree might push you over that edge a bit more, but experience will push you over the edge any day over that degree. The people that are struggling right now, the most are right out of college. You don't have those experience and a more advanced degree could help them. But you want to leave anyway. >> Yeah. >> And do what? >> I want to get my PhD. >> Oh, perfect. >> Sick. >> In. >> In robotic-sensuality. >> And what you're going to do? >> I'm planning to either work for another research laboratory or I'm planning to go into industry. >> Okay, listen, I mean robotics is great. Robotics is the future. I'm not necessarily inherently opposed to this. However, this is the income that brings, well, that pays the bills. >> Yeah. >> And if you continue to force her to go to school instead of actually making money, that's the only income that pays the bills. Also, I hasn't taken you seven years while you're such a confelior. >> Because I have to keep dropping out in order to pay for it. I had to pick up a full-time job as a stripper to be able to pay for my school. >> You still do that now? >> No. >> How long did you strip? >> About four years. >> What? You're a full-titty, titty. Flap and flapping. Buh-hole. >> Yep. >> You went buh-hole? >> I had to do nude when I was 18. >> It was the 18 plus bars? >> Yep. >> I should've done 10s. >> Yeah. Did you ever do anything out of the table? >> Nope. >> I've been told that it happens. >> It does. >> You saw I have worth it. >> I've seen other people do it, I just, I just, >> Definitely not worth it. >> No, I had lowers herself usually. >> Huh? >> Yeah, it does. >> It lowers what you make, like- >> It lowers what you make, and it also lowers what everybody else can make. >> You know, that's weird. >> Okay. >> I had lots of stripper friends, so it worked out. >> Is that where you know? >> Collected her? >> No, we met in high school. >> Someone skipped a grade and- >> I skipped a grade and he did not ask. >> I was 17. Which means you were 14? >> Yes. >> That is a bit uncomfortable. >> Like 17. If it was like your 21 and 7, I feel a little less comfortable. But 14 is like 14. 14 is crazy young. I didn't know their age until their birthday. >> Yeah, he didn't know I was 14 until I turned 15. >> Okay, let's see what it doesn't matter. It's so long. It doesn't matter, it doesn't matter. It doesn't matter. It's just like, it's just- Yeah, when I hear 13, 14, I start, my brain starts firing. Okay, okay. I don't know. People all up in the grades in high school. I don't know. This doesn't take more masturbation. Weird, freak out about everything. Okay. So the main issue here though, that I'm being told specifically, is that you just hate that it's trying to shove Dave Ramsey down your throat. And I love you big fat, I know you love big fat daddy being shoved down your throat. And Dave is one. Thank you, David. >> Well, probably I'll do some more research than that. >> Yeah, we did Dave Ramsey for about five years. >> How do you do it for five years? It's not a five year thing. What do you mean you did Dave Ramsey for five years? >> Well, we tried the cash stuffing method for five years. >> Yeah. >> What the f*** happened? You guys are f***. >> Hey. >> Hey, you guys are f***. I don't think David worked for you cash stuffing. That's not even bad. Like, what do you mean? How do you struggle with that for five years and get more? How are you doing? >> We kind of got with credit cards about a year ago. >> Oh, yeah, that's my favorite Dave Ramsey strategy. Open credit cards. >> Well, that's where we started disagreeing on the Dave Ramsey thing. I thought- >> And now you guys are f***. >> Yeah. >> Interesting. Maybe old fatty knows more than blue, haired freak. >> Entirely possible. >> Listen, I disagree with him on credit cards in general. But for the average person, you guys are, you have no self control. >> Yeah. >> You have no self control on anything. I mean, his advice applies to the average person pretty correctly. >> As a children and the way you live your lives, endlessly in school, endlessly in school. >> It doesn't help that I buy a lot. It doesn't help. >> What did you guys accomplish in life up to this point that actually is tangible and real? I'm going to say nothing. Well, let's see. >> Well, we own a condo and we have a baby. >> You have a child? You're stripping when you had a child? >> No. >> No. >> I stopped stripping after having a child. >> Were you popular? >> Yes. >> Okay. >> I was one of the highest earning strippers that were there. >> You're relatively attractive. So I think it makes sense. >> But then you immediately started in an OF. >> Yes. >> Say, here we go. >> I had to. >> Had to. >> What does this had to? >> Management required it. >> Huh? >> As part of? >> As part of, yeah. When I was a stripper, management required it as part of my advertisement. >> That's interesting. Okay. You've deleted it. >> I haven't deleted it. >> You haven't deleted it? >> It's mainly where my regular is from when I was stripping, still support. So I still get not a lot of money, but it's like a little bit of money that can pay for dinner every week. >> Hold on. Are you still posting? >> No. >> Wait, how are they giving you money? They just forgot the cancel? >> They just support it. >> What are you bringing in with this? >> I'll put that down as the income. >> I don't actually know. I think it's around $60 a week. >> Okay. Okay. Okay. So 240 to 40 a month, which you would have to pay taxes on. But I mean with that, it's like so nothing. Okay. It's interesting. How long has it been since you've posted on it? >> I haven't posted on it in, I want to say like two years. >> That's good. I think it's only been a year. >> I want to be the other pipeline. >> It's only been a year. >> Okay. >> I'm happy to hear women getting out of the pipeline, especially as a mother. How old's the kid? >> 14 months. >> Okay. Have they decided their pronouns, yeah? We're letting them decide later on. >> And what's your net? >> My net is, so I just started this job, so I'm still like seeing what it is after taxes. But I think my net is around $5,800 a month. And then I also get a disability from the VA. >> Why do you get disability? You were the military? >> That was in the Navy. for two years. What'd you do? Okay, he went to school and then maybe paid for it and then he got out medically. I was naval reserve and what's your disability? For the interruption and anxiety. What's that now to get? 55,500? Yeah, sorry, 5,800 for the salary and then the money that I got from the VA is around like 2070. Okay. So what are the financial conversations in this household? You want to leave, you want to barely make any money being a PhD student somewhere? However, we'll get more money from the VA when I go back to school. Okay. Around 2400 extra. Top of my PhD stipend. Okay, well, so you're still losing though, and probably 33% overall. So what are the money conversations in this household? She went in a stripping in OF because you couldn't support her. And now you want to abandon school and you're not allowing her to pursue. Actually, you know what's even a little more stuff. She actually has a business that doesn't involve people seeing her literal clit and you're not letting her do that, but you were okay with her stripping for four years and posting her post online. It's like, what the fuck is this? What is this? Hey, I can tell you guys are pretty progressive, right? Okay, very good. We love that. Where's the woman empowerment? It's only empowering when they're showing Ariolas and you will empower her to go make a business on her own. And then you want to back out and go pursue a degree collection, but the entrepreneur actually bring it in 50,000 hours to this small business selling butts and political messages. You can't support that. Where's the woman empowerment there? I would say I just don't see the ability to scale the business in the same way. I literally bought up like three ways to potentially do it that you probably, that like immediately your brain didn't even bring up and they were the most simple things ever. Well. You don't think your lack of ability to see a business being able to scale because you've never been an entrepreneur in your life and your family's never been an entrepreneur in their entire lives because their degree collectors has anything to do whether or not she should. Your ability to see it is insignificant and pointless and not a part of the conversation. I don't give all. What you see. Why should see? Who are you to determine that? The man of the house? Is the one who gets to determine, well, I don't see this business being successful. 50,000 hours without her doing anything on the business is pretty damn successful. Small business employs 48% of the population in this country of workforce. What do you mean? You know what the fuck you're doing? Get off of us! You'll let her strip, but you won't let her sell shit? The fuck is wrong with you. I mean, big booty frog. I guess it can do pretty well. Uh-huh. Also because he's upset about me buying designer items. Okay. Well, that would be how much you're spending on designer items. Was it the strip money or is it money that you don't even bring in? It started when I was stripping. I would buy stuff for myself and then after I got out of it to go back to school, I started for you spending on designer. Um, I don't, it like depends month to month. Like for my birthday, he got me a- He got you. I thought you were being criticized if you buying designer shit. Uh, well, he did criticize me when I was buying it for myself. How much? When? What? This is the big argument. What even is it? It was like maybe- Which thing? Because I can remember the numbers. Yeah. I think the bag that I have is 4K. And then I have a wallet that- 4K? What the fuck? In what way? You guys are drowning in debt. You're in the David Ramseth program and you're getting a 4K designer something. What the fuck is wrong with you? What in what world are you living? The world where you have to pay money to make money. That's kind of what it is. So is that stripping? There used to be a bag and stripping? I've been- I've been to a strip club twice. I didn't look at the bag someone had and they're f-ing dressing room. You'd be great. In fact, I look at their titties. Yes, I'm with money. So you download a budgeting app. You start with the classic one. Why not? But everyone just elites it because it's way too complicated to use. So you go to every dollar. It's Dave Ramseth, a personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock 'em money that you got a lot of commercials, but they're owned by rocket mortgage. 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Sign up for time. Get that $350 right now when you're checking account. You would be rare because there's a lot of men that look at the money that the strippers make. The big spenders. Yeah, the big spenders look for the ones that make the most money. What are you talking about? I got some gooners in this office and I've never heard anyone mention this. That's, I would hope they're not spending a shits on the money at the club because I'm talking about this. I don't think you pay enough for them to be spending that much at the club. You're by my watch, this is your free time. Living fine and being helpful. Promptals even has this? No, this was when I was living in DC. Oh, the politics. Well, DC is a different culture though. DC is a very big about what you make and how you show it, what you look like, all that kind of stuff. So I got into getting designer stuff because of that and then I just kind of got. That politician dick did you suck? None. Not so shame. His dick is the only dick I've sucked in the last nine years. Rip? I don't know, I think it's pretty nice. I'll show you later. Okay. Okay, again, I want to know how these conversations go. Guys, I need to see some insight into this household. I'm the one who does most of the budgeting. So I sit down and I budget for the month because he gets paid monthly and so does the VA and everything. Okay, okay. Why aren't you a part of these budgeting conversations and number of? No, I'm part of the conversation. What do you mean? What does it look like then? It's mainly just us talking about what we're going to do a lot to what for each month. So like, okay, you actually go through that? Yes, we also have a few. How much did you spend last month? What was the outflow? Tell me. You should know this budgeting king's and queen's. I think I know how much it was and it was bad. I think last month it was really bad because I lost track of it. I think it was about seven months. It's always the month that we have out of all the months. Oh, we lost track of that one. And I got a little weird. I mean, that is why we came here is because I lost track of it. And I wanted to be better. What? Within one month. Yes. Yeah. What do you mean? You wouldn't be in this much debt from one month. That's no. No, we're in this much debt from one month. So what? What happened? Well, someone decided to buy a computer and all new parts at the peak of the most expensive time to buy computer parts. Why? So I'm currently pursuing my grad studies part time. Okay. Yeah. Great. And back at my old work, I had a $10,000 workstation to actually get all of my simulations done on. Uh-huh. And I didn't have that anymore. So I had to build something. Had to? Yeah. You would die without it. I wouldn't be able to finish my work. I have simulations that take up 32 gigs of V-RAM, take up easily. The school that just studying with doesn't have a rig for this. No, they don't actually. It's actually really shitty. Then why are you there in a shitty program? Because it's a really highly rated program. He's a highly rated yet. They don't provide any resources. That's awesome. No sense. I smooth the plot with Johnny Hockens. Yeah, that makes no sense that they wouldn't provide that so stupid. No, it is. Well, especially when you made your spare. What did you spend on that? I think in total all the parts and I recycled some old parts too. You did not recycle old parts. No, my GPUs. I kept the old GPUs. One part? That's two parts. One of the parts alone was over $2,000. Yeah. Okay. That was just the RAM though. And you bought two. RAMs? Yeah. I think I spent $7K on it. Crazy. You guys are dying in debt. $7K. Again, for your degree collection, it isn't actually even providing anything for the household. Do you not understand the difference there where she's actually contributing to this world? And you're doing nothing but a ego boost. I mean, if I spend money on it. She's earning money, you're spending money. Double my income. Potentially, but the thing is, in the worst situation you guys have ever been in, in order for your degree collection, you're putting all that money in there. I need more degrees in order to get where I need to go. Yeah, no one's ever made that much money without a degree. To a certain point is what I'm saying. It's the timing thing, man. It's the timing. Worst time to spend. By the way, that isn't even an account for, I mean, you guys spent outflows, $25,000, where income was 12. Like so, that doesn't even make up for that whole amount. Yeah. But even still, when we're already going even further in the holes, insane. I mean, I needed to get my work done. There is no other way. - Well, you didn't need the cat litter robots. - I work all day. I can't, I come home. - But you should have cats. You can't take care of them. - I was taking care of them by getting the cat litter robots. - We have one litter box. And then I was like, let's get more of these, you know, stainless steel litter boxes that are like 40 bucks each. And he said, no, I only want more litter boxes if it's the litter robots. And not any of the refurbished ones, we have to get the brand new one. - Yeah, but you're a retaliatory spender, Colton's telling me from your guys' spending, like quote, if you get to spend on what you want, then I get to buy what I want. - Yes. - No, do we not care about the household? If he's put it up, let him get up to a certain point. Leave him, maybe if you guys disagree, but not just that. I mean, I don't want you guys to actually separate. But what does that mean? You should dig the household into a worse position. - Because at the time we thought that we had enough for both of us to be able to spend and cover it. - That's where I lost track of the transactions is we kept promising like the same 4,000 to something different. - How do you guys even, I don't even think you know how to budget. Like what the fuck are you guys doing? I mean, you spent more than double that came in. This isn't about $4,000 being allocated here and there. I don't understand it. And then what's gonna happen when we lose 33% of the income for the house? What are we gonna do? - I'm gonna do for like two and a half years. I'm not planning on doing it. Huh? - I'm not planning to do it for another like two and a half years though. - Well, what happens then? That doesn't magically change the situation. Still still still being in school until she's dead. So hopefully I'll have, I'll be in my master's program by that point. - Oh good, master's in something that will never return its investment. Why don't you, don't let him influence you on this. Pursue your, your passion is actually showing numbers on the paper. Most people that pursue a dumb little business, honestly yes, it's a complete failure. But you actually have promising results. - Do it. This is actual female empowerment. - I want to do it. - I just, the biggest issue is that I think it would be worth going for it full time and like really pouring my heart into it. - Yes. - But everyone I've ever talked to around me says that my degree is first. - They're cowards. They're cowards. They're cowards. I mean, I would relatively agree in general if you were preferably getting a better degree and your business had never shown any promise. If you're like, well, I want to drop out just to start this business. All right, let's pause. Let's pause, let's think. Don't be, but instead you have something that has brought in 50,000 hours last year without you doing anything practically. - Yeah. And I have a degree. - And are you being more important than that? No, you're surrounded by cowards and pussies in degree collectors. - Yeah. - There's nothing wrong with a degree too. I don't want to sound anti-degree, but it's like when you prioritize that above all else, including contributing to this world in a real way. - Yeah. I really want my business to be the full-time thing. - Do you, are you going to let him control you? How damn it? How damn it, how damn it is he in these conversations about this business? - When it comes to the business, very. - Tell me what it's all like, what happened? - A lot of the times it's me talking about something I want to do to scale the business and him telling me that I need to focus on my degree, get that done as fast as possible. - How does he tell you that? What is this conversation actually like on any insight here? - Like, it really is just me going, I want to do this and him saying, you need to focus on your degree first. - Well, you want to like go into debt for the business. - Because I want to be able to scale the business to be bigger. And like, the problem is is if I don't do something about it, I'm just going to get stuck and like I won't be able to continue moving forward. - But like, if the business can't sustain itself right now at the fact that you're not taking anything out of it for yourself, how is it going to sustain when you go full time on it? - Because I'll be able to first off, I will be able to actually put time and energy into it and I'll be able to market it, which I haven't been doing. I'll be able to, you know, post about it on social media, which has been getting us a surprising amount of orders online. I'll be able to actually focus on the online business and like maintaining that and that, and I can work on getting someone to help me with the marketing and then after that point, it should just be able to pretty much float on in someone. Like, we don't do any marketing for the business and it like, it really does like, really well for the fact that I don't do any marketing. I don't do anything to like promote it other than go to these events. And I go to these events, I stand out and people come and they buy things and they buy a lot of stuff. I can't, I don't want to like, raise prices because I need to, you know, get someone to help me with marketing or something like that. I'd rather pull out a little bit of debt that I can easily pay off if I could just focus on the business. But that's just, it's just more, it's more debt. It's more things that we're trying to get out of. It's more things that we're trying to avoid. And you want to do all of this while still buying your designer bags. If I didn't have to go to school and I didn't have to, and I could like, focus on the business, do you think I'd have enough time to focus on designer bags? I mean, you manage to now, you manage to focus on them when you have school, when you have the business, when you like, we're being parents, and we have to do all of that. And yet you still have time to focus on, you still have time to harp on it. So when is it? When would it be different with the business? Maybe I'd be able to make my own money to pay for it. Did you think about that? I'd be able to bring in money. So I can pay for it myself. What debt have you gone into? In what way? Debt, dude. No, no, I mean like in relationship. What debt have you taken out? I've taken out, let's see, I'm taking out a student loan. Cool, but she can't take out something for her future. I mean, the way I see it is that the student loans have a much longer and much more protections. Like it has a much longer-- Has more protections, but it might not have a better return on investment. I could see that, but at least-- Also not being grutable. Hers would be. For like an SBA loan. Would SBA-- is SBA the way you're going about it? What kind of debt are you looking into? I'll be honest, I don't want you to go into that. I don't think you need to. I think you can cash flow this. Yeah. You're already showing the results of that. So I'm against the debt as well. But for you to be beatably against it, we'll go into debt for your own passions and career. Pretty hypocritical. I don't want to go into debt for the business. I just don't-- with like school and everything, I don't have the time to put into the business to make more to cash flow, something like that. Or to even cash flow, something like more people. Because the products themselves take up most of the revenue. And after that, I pay my little sibling. And then after that, we have a very little amount that I generally put back into making either different products or more stickers or more variety for the business. Yeah, but you're talking about getting a broken bag. Ideally, I would like-- What are we talking about? Are we caring about our business? We want to put money into our business. Are we getting a broken bag? I want to put-- that's why I put all the money from my business back into my business. Why are you considering getting a broken bag? Because I think that it is-- Because you know the best way to have business? Good investment. This not working. It's going to do better. They've returned normally around 10% each year. Okay. And are you actually going to exit it? Yeah. Really? Yes. You're going to leverage against it? I'm planning to obviously once it gains more value, sell it. Why not take advantage of the market, which by the way, it's closer to about 12% now. But either way, it's just like-- And that's a huge upfront cost we can get in with fractional sares into the market a lot cheaper than a massive prized broken bag. Broken bag, when you guys aren't even paying off that, the best way to go into business less risk is by having a fully funded emergency fund over approximately a year and-- We know that. We've had multiple emergencies. Exactly, but you don't know. It's no broken bag, cute broken bag. Get a broken bag and tell your aunt and you have a fully funded emergency fund. And then you're building your business. What the fuck are you talking about? I just think that-- What do you think about this broken bag thing? $16,000 to $20,000 for a larger model? I see it as only plausible if it was less than like-- if it was like 1% of our net worth. OK. Listen. The broken bag does not make sense at this situation. I don't understand why it's even a conversation. It's more of a conversation because his family is big on how we present ourselves. OK, my-- Who gives a shit? Why is it all about his family? I don't give a fuck about his family. Because my family too. No, but who cares? If they're happy, why are you allowing them to have that kind of outside of influences? I care about my family too. But do I revolve my entire life around what they value, what they care about? No. What? It's also-- Doop it. But it's also like a-- Or is it just jealousy that it grew up rich? It might be. Now, Colton tells me you are actively jealous that it grew up rich. I am very jealous that he grew up rich. I wish-- I had that. I think most people would wish that they grew up rich. And that's why he's not willing to take risks. That's why he said to Greek collector because he's never actually had to build anything in his life and knowing around him has. Yeah. But-- That's why people like you and me that come from nothing were builders. They just fall along. when they work for us. This is a Wendy's restaurant. I've been trying to convince him to do something himself that's. Yeah, he doesn't have to. He is doing something great. No, I know. I think he's really, really intelligent. I feel like he could do a lot if he were to like do something outside of it. Okay, I don't really care. He makes good money. I don't give. He can do whatever he wants, but that applies to you as well. So I just said, an actively dumbass decision. Why did you guys move here, by the way, from DC? I lost my job. Yeah. I got fired in the federal fire. Paulson told me you guys blamed Trump. Yeah, Trump and the ass. Oh, for the job. Yeah. Yeah, well, you worked to the federal government. Yeah. Good. Thank you. I appreciate you getting fired. I would like to not spend as much in taxes. What the ****? Why do we employ so many people? I mean, he makes no sense. I'm also set of federal research lab that provides goods for society. I would say it's a good thing. Well, in general, your defense. Okay. So Trump fired, do I guess the federal government was the highest laid off sector, but I mean, it does over employ dramatically. Yeah. So it shouldn't be a jobs program. Yeah. So we moved over here. Fortunately, that didn't cut the deficit though. So it didn't even matter. Yeah. We shortly after or like right before he got fired, we had our daughter. And I was a stay at home mom with my daughter and his mom actually moved up to D. Said you guys are for how incredibly not tried to you are. You make bombs. The bomb people you seem trashed. You're a stay at home. Life and mother and you down, near her in terms of what she's allowed to do for work and her entire life. Like what the **** are we doing? Yeah. So confusing. I was a stay home. Maybe almost like your guys as feminism is just performative, not actually resulting anything positive for women. I mean, the positive part is that I get a choice and that's do you? Yeah. No, no, you actually don't. Are you right now? Now I have to ask you a feminist to feminist. Are you? Because the fact is you literally have told me in this conversation, you want to build your business. He is making you get your degree. You're doing what you want. You have a choice. What is he? Has he worked your mind this much? What do you mean? You have told me you do not have a choice. What the **** are you talking about? You have a choice. You wait and distribute in an old F. You have a choice? That was the only entrepreneurship he actually encouraged. It didn't mean choice. There's no choice. He's not giving you a choice. Where's your choice? You don't have a choice. Says in feminism. This isn't helping you out as a woman. You being a leader. You being a leader as a woman. And pulling out. No, this is on you, buddy. I'm bringing up the shit that you're doing that she's saying for the first time and that's it in her. There's no choice. And I don't want you to be all of a sudden convinced that you have a choice. It might be in love from his perspective. But it's from a domineering perverted worldview. I need a break. Take a break. Take a break. Take a break. You're good. What happened there? And maybe she hasn't confronted her to thought about it for the first time in her entire fucking life. You own her. It's weird. Let her pursue this. I agree if she said I want to open a lemonade stand and nothing's ever happened. Okay, we have a bigger conversation as adults and a couple and a relationship as a marriage as a future, but she has had return on investment. She has numbers on paper. Let her pursue this thing. And if she fails, it's okay because she has a strong support system with a high incoming income husband. And if you guys control your damn budget and build up an emergency fund and pay off the debt first, it wouldn't even that be a big bomb in her face. And I know you love building bombs. Okay. I have trouble seeing it. Why does it matter if you have trouble seeing it? Why are you they end up be all? Why are you the dictator of this relationship? Why have you conquered the relationship village here? Why are you the houthis of the f***ing straight of this relationship? Why are you bombing any trade from going through? You're not allowing her to go out into the world and get shit done from people that demand it. I mean, I think that I'm not the only person that informs her decision to go to schools. Informs. Guy, she obviously looks to you and listens to you as the couple in you guys are more tried than you're willing to admit. Come on. What the f*** are we doing here? Just because she goes by, they, them. You guys are treaded up. I think that this is one of those situations where Violet has built up in her mind what my family wants, what their family wants. And just it's become this situation where like I told Violet last night that I think I believe in the business. I believe. And said that shit here. I didn't believe that. Let me clarify. I believe in the business. If she were to work the business, you know, every weekend. That's back tracking if I've ever seen somebody. We literally established that very thing here and you were against it. I don't see it. I don't see it. It's not happening. I don't want to see it because she wants to be able to spend time with with our daughter. That's why you think she wants to pursue her business is just to spend time with the daughter. Which, by the way, why don't you spend time with the daughter if I have a bad thing? That's not what I'm saying. To drop out of school. I'm saying that I'm saying that she believes that if she goes full time on the business, she will never have time with our daughter. Oh, she's the one that wants to go full time on the business. We have different conversations about this. What is she not telling me? That's true. I would say that right now I am not the main person that actually wants her to get her degree. Who is? Probably my mother. And who the fuck does she matter for? Why? Who gives a shit? She here? She has. She knows. She knows. She knows. No. Give a fuck. How often are they talking? Are they Skype in every night? What's going on? Talk pretty often. And when Violet talks about like needing designer bags, needing all these things and talks about them being related to my family, I don't give a shit about that stuff. What is your mother kind of manipulative? Is she showing that she needs to be shown all this to be impressed by her daughter-in-law? To be impressed of her daughter-in-law, I do say. I mean, I can see you. Yeah. So, talk to her. Instead of holding her down, talk to your mother. Let her free. I am a peacock. You gotta let me fly. I can't see an adacto you actually like, feels like discovering a diamond in the rough. You'll want someone in network nearby with open appointments, but also someone who actually listens, who explains things clearly, who makes you feel like you're not crazy for googling your symptoms at 2am. And that is why I love today's sponsor, Zachtac. Zachtac is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. 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They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many readily screaming at them about what they did wrong. So, of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. If stress isn't common from your spending, it's coming from having zero clarity and using tools that turn money into a failing grade. If you ever thought, "I just want to know where my money's going without being judged for it." You're not alone. That's exactly what we built dollar-wise. If you want to calm and clear your way to see where your money is going, try dollar-wise. Download the app today and get a three day free trial. No set of nightmare, no manual tracking, no question of it perfect. Connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download, and see if this helps you feel more in control without the stress. And if it's not a bit, cancel anytime. You possessive a woman. a press of freak man. Like I don't know, mother and law. Why the fuck do we let mother and law control our entire destiny? And if you see that, you should stand up like a man. Tell her to back off some manipulation, some feeling of pressure to fit in. When that shouldn't be it, all she should need to fit in is love. Being welcomed to the family, shouldn't matter what degree she has, what bag she has, what she's doing with her career. That shouldn't be the prerequisites checking off a list to be fit in and loved by a mother and law. Yeah. Yeah. I mean, this even came in with like, Violet was talking about possibly pursuing like, what is a tattooing or so forth, like, you know, being a tattoo artist. And I talked about it to my mom being like, hey, you know, we need to pay, we need more money for school because, you know, chapter 35 barely covers it. And my mom was like, no, like those people don't care about her degree or what she's getting or so forth. They don't care. Why are you vocal frying everywhere to say? Why, why, why, why, you just talk like this? It's obnoxious. It's impossible to listen to. I don't mean to. What? You don't mean to? There's no way you don't mean to. So whenever people are just endless vocal frying, of course they mean to. Listen, I, you need to have a conversation with this family. What do you think the household financial score is for you, you both together as a couple? Zero being the absolute worst, ten being the absolute best. Like a three. Guys, if you want your hand in financial score, take the assessment for free at Calebhammer.com. You see where you stand on the world of money, where you need to improve, where you're doing poorly, where you're already doing great. It is free and just takes a few minutes. And if you do not want to be like a guest who ends up on the show, you got to download the Dallowas Budgeting App, new and improved it is incredible. Tens of thousands of active monthly subscribers for a reason and they are changing their lives and you can be too. Get the free trial link in the description below. Sign up for the annual version to save, basically 50%. If you want it after the free trial. And you get all the perks that comes with it, like my personal meal plan that I have made for people on a budget who need to meal prep throughout the entire week. We lay it out for you. I'll sign it and I'll mail it directly to you. Check it out, guys. I'm going to wait for the woman. All right. How do you feel? She has to do a little strip of the other room. Yeah, I just got to go to the store. I'm very pleased. Still good? Yeah. I feel better. Lindsay enjoyed the show, I assume. Very good. Well, I was listening to this vocal pry for about five minutes and it was thrilling. And I don't know. Sounds like there's a lot of pressure in the family. I don't give a-- You're mother-in-law. I don't give a-- Kabadder. She shouldn't manipulate you. She shouldn't make you feel like the only way to stay welcome is to be impressed. I don't give a shit. This is your life. Yeah. Doesn't mean you can get off, especially with a daughter. That's what I'm scared of. I'm scared of my going in. Yeah, but for someone in business, as long as you guys pay off the debt first, well, like you're going to have to slow roll because you need to actively pay off the debt, get it fully funded, and eventually find them going to the business. But let's look into the finances and what things actually look like today. So, Sapphire Reserve. What the-- What's going on? It's our main card for pretty much everything. Well, he's having aggressively horrendous discussing balance of $4,661. That's because of the computer part that he needs to return. Oh, too. And then-- What are you doing? I think also-- 16 years to pay off the payment only. I think it was also the litterbox. The litterboxes? It's been like a million. Oh, it was a lot more than that. Yeah, I was going to say it was a lot of stuff. A lot more than that. Okay, $4,661.00 owed and $31.00 now. Who's the swiper on here? Is it both? Yeah, both. And what do you guys have no self-control? Why? If we are struggling even though you guys make well above with the household and the median household and the new Bronfels makes, why the-- Could we swipe in like this non-controlled? It's disgusting. It's disgusting. Throw away the computer and then take away all that. Outside of even just that alone, it is insane spending beyond insane. I think it probably doesn't help that we have like, I think this time around, it was because we were buying stuff for my birthday and my daughter. Who cares about your birthday? Who cares? I didn't think-- You care about your birthday more than your daughter. Well, then you're disgusting. No, I did. It's for my own creature. No, I just-- I care about my daughter's birthday more than mine. That's why we celebrated-- You, I don't give a shit about your birthday. Pay for her birthday, do a little thing. That's what we did. You did yours as well, you creature? Your daughter's what, three? No, she's getting-- No, she's getting-- No, she's getting-- She's getting-- No, she's getting-- She's getting imprinted in right now, but she won't have any memory. She won't have any memory of this. She'll have some pictures. She'll still do a cute little thing, cheap on the cheap, wonderful. You're getting off dead. You're trying to become-- Create a better household for this. You grew up wealthy. You don't know what it's like on the other side, but you're about to find the f--k out if you keep going down this. You keep going down this path. If you keep going down this path, you're going to find the f--k out. Get that foreclosure notice. Get the collections in the-- In the mail. You're going to find the f--k out, and then your daughter's going to be gone from that household. All for your birthday? F--k your birthday. I don't give a shit about your birthday. You should, and either-- Who gives a shit? You're 24th. It doesn't matter. I didn't think I'd make it this long. Oh, welcome to life. I don't give a-- What? You cut yourself once? I don't care. You're here now. You have a daughter. Okay? We're not sympathizing sob story from 10 years ago. You have a daughter today. I know. Today. I don't give a f--k about your birthday. Today! Also f--k your phone. You're on a show. No, my-- Today! My alarm went off. To feed her. My alarm to feed my daughter would off. Sorry, give a f--k. I don't think I'd make it. Oh, what? Well, that's like what half the people say in life anyways. I don't even give a shit. That means nothing anymore. That's just the TikTok generation of endlessly victimizing themselves. And every way whatsoever. Your daughter's alive. Your daughter needs to have a good future. Your birthday doesn't matter. No, she does. She gets-- You don't know. With the past-- $500 for her $5.29 every month. With the past-- Yeah, thanks to the mother-in-law, right? No. From two. That's for us. Why would you do that right now? Like, you're heading down a path where you might not even be able to keep a roof over the head. $5.29 is great. I know the mother-in-law put 10,000 hours in. But other than that, $5.29 does not take priority over actually making sure that there is a-- a potential success in the future here. I love that you guys are doing it, but it might be misplaced. At this exact moment. I just didn't want to-- I wanted to make sure she was still getting her money no matter what we did. Yes, but the thing is, she is going to live with you guys for a very long time. And if the household is absolutely struggling throughout her entire life and it puts stress and strain on the relationship, which it always does and it already is, that is not better. Yeah. That was my fault then. I was trying to make sure that she does not have any. No, it's not a bad concept. This is misplaced right now. Okay. When she already has good money in her $5.29? Yeah, I just wanted-- I don't know. I think I wanted to also build out her trust as much as possible, because I think you were opening that right? Yeah, I was going to open an upma. An upma for her name. But the thing is, I want to just keep the roof over the head guys. And you guys are headed out of dark bath. Yeah. Well, right now we have a roof over my head because we're staying with my mom. So we live with her and my little sibling right now in a four bedroom house. So we take over a bedroom for us and then a bedroom for the baby. And so that's been really helping us because we can't get out of the condo that we had to leave in DC. Because we bought a condo in DC initially. Okay, okay. That's what the mortgage is. This absolutely comes down to nothing of why you are spending absolutely horrendously on this credit card. What the-- Who are we doing? Your mother, your parents, do something. Fix your shit. Where is the behavior change? You have indications, little sprinkles of behavior that are good. You know, saving up for the kid? Everything. Put them in your eyes completely-- Put everything around it. I really don't understand. I really was trying to keep track of each transaction. Like I list them all out and-- And an excel sheet. And why are you doing this? That makes it worse than ignorance. Because I actively-- You're actively choosing to do this. You can't-- No. You put it into the excel sheet. You know exactly what's going on. Also, by the way, that just doesn't work as good. Just use the $*$*. Otherwise, you guys get it for free forever. Just do that. It puts everything automatically in categories and it makes it much easier for the brain to just see things. Which actually makes you make changes instead of seeing things in excel sheet. Would you have the man we love to eat anyway? Yeah. Clearly, it's not working. It hasn't for years, even with the-- We even was the David Ramsey method. They've-- They've hit-- You're working. Ah, Providence? What's this? Providence age. Provantage. Provantage, sorry. That would be the PC. Great. Critical necessities for life. In and out. More PC. $3,200. $6.00 there. Kill me now. Potential groceries. Potential bullshit. I don't know. Another 1,800 to the PC. Bullshit. Groceries or bullshit. I don't know. Jerry's. Arrila? That's for my clients. $1.00? Oh, for-- Say something that you're never gonna fucking eat those Veronica's. It's stupid. UTSA, Refreshings. Oh. Food on campus. It's mainly food. Great. That's great. Food. Uber. Eats. are dying in poverty almost. I cook when I eat. - Oh, that's wonderful. Meal prep then. - I try to. - Okay. - I better. - Shut the fuck up. - We have five people who have to feed. - Give me your phone. - Okay. Open your phone. I can't use a locked phone. - Hmm. - Mm-hmm. - Are you going to Uber Eats? - No. - Oh. - Can you make it English? - Sorry. - No, honestly, I have a hard time too whenever I have to use this from America. Okay, you use your phone and averages six hours in 24 minutes a day. - I've been trying to work on it. - You don't have time to cook? - You. - No, that's because I put things on while I do things. I don't have time to cook. - Shut the fuck up. Put this on English so I can actually understand what's happening here. I'm an American, okay? - There's, you know, Spanish is also a language of America, but. - American continent, I guess. - Funny enough, America has no official language until I, that is-- - That is funny. - That's hilarious, I would say, actually. - Yeah. - Try that at a bar downtown. - I will. - I mean, it depends on the bar you go to. Some of them only speak Spanish. - That is true. I do love tacos. Does it mean I can read it? - Bidia hits different. - Bidia does hit different. 'Cause I Bidia. - Okay, you guys are a little too close to San Antonio for me. - What the fuck? - You're showing me a picture of your cat, you-- - Phone is just, it's doing, I don't know what's happening. I put it to English and it's-- - Oh, it has to reset to the language. - Yeah, it's just sitting there. So. - It should then just be patriotic all the time. - Yeah, I'm patriotic. That makes sense. - Are you not patriotic? - With blue hair, you think I'm patriotic? - You can still be patriotic and be wrong about economics. - I have to be patriotic when we're spending more money on bombs than we are for like social justice, or like social programs. - We spend 50% of the federal spending on social programs. - Like what? - Social programs, Medicare, Medicaid, mandatory spending, snap benefits, veteran benefits. - You mean snap benefits that people just got taken away from them? - You think everyone just got taken off snap. - Most people knew it. - Everyone, you think the majority just got taken off snap? Our military spending is 10 to 20%. - And that's the reason. - The bombs you're freaking out about 10 to 20%. So, Grecius, we spend 50% of social programs. - I'm a military kid and I can tell you that she does not need it. - Girl, you literally just got the information that you were just wrong and yet you're still doubling down. We don't spend the majority on bombs. - Okay, maybe it's not the majority, but it's well too much. - It's not even close to the majority, it's not even a quarter. - It's far too much. - Okay, you could advocate for that, but that all of a sudden it doesn't mean you just said we don't spend anything on social. That's more than half of our money goes. And what are you talking about? - I think it needs to be more. - As usual, you're uninformed about everything. - And then you're just not patient. - What do you mean? We spend more than anyone. Well, number wise, absolutely. - Yeah, technically. - By technicality. - By technicality. - By technical, by money, by birth capital, by yes. - We do a lot. We're a very progressive nation. We have the most progressive income tax in the entire Western world. - Okay. - Oh boy, I love when people have no idea what they do. And then they're just not patriotic. It's like, dude, you're literally not a contributor. You should be the most patriotic person. You contribute nothing. - I mean. - You contribute literally nothing. You've only been a taker. And yet you're the one that doesn't like the country. - I would even fight that. - Then the one that gives everything's the one that likes it? - Anywhere. - Anywhere. - You used to live in Germany. I don't live in Germany. - Where else is always greener? What would you be doing in Germany? - I could still be an artist there. - Yeah, you think Germans just immediately, they're like, oh, you want to be an artist. Let's give you 80,000 hours a year. - Well, I know that they're not gonna give me 80,000 dollars a year for me to artist. - What do you think? - What all of a sudden happened? - I think if I was able to do my art full time, I'd be able to make the money I need to make. - Yeah, Germans trying to pursue art and failure. That always goes over well. - All right, well, yeah. - That was a pretty good one. (laughing) - What do you think it would be different? Grass is always greener, dude. Grass is always greener. - That's why I'm still here. I mean, Texas, I definitely didn't want to be here. Oh. - You didn't want to be with the jobs on where cost of living is lower? I mean, that is what we're here. - I mean, I agree that. I mean, it's hot. Which I was so hot. - I was also was worried about all the like, fire, like wildfire notices that like terrifies me. - You don't have to be like patriotic where you're like, yeah, we've never done anything bad. That's just nationalism. That's, but it's okay to like the country you're in and want it to do well. - No, I want it to do well. - That's patriotism. - Wanting it to do well is not patriotism. Believe me, your country is good is patriotism. - Huh? Believe me, your country is good and everything is not patriotism. - That is basically what most people consider patriotism to be. - You're more nationalistic in my mind where you think you're absolutely incredible on everything. Patriotism is wanting the best for your country and changing what's not. - That, I mean, then in that case, I guess I am patriotic. - Yeah, except you didn't even know anything about our federal spending when you tried to make a complaint about social programs, even though that's what we spent all our money on. You should not be allowed to have a position if you can't even speak on it. Like, what the f***? You don't even know what you're talking about. How do you even have that opinion? What do you mean? - I have opinions on a lot of things. - That you don't know anything about? - I definitely know more than I thought I did. - What? - I know about a lot of things. - What does that even mean? What else do you disagree with that you want a fleet of Germany for? - I don't want a fleet of Germany. I would like. - I kind of said that. - What about us? - You said you would rather live anywhere. - I'd rather go to Iceland. - Okay, what do you disagree with our country about? - I disagree with how we handle a lot of our issues. I think the fact that from this-- - I mean, health care, I would say like Medicare for all stuff like that. - Yeah. - What about it? - I think that it should be a universal program. - Okay, how's the NHS going? How's Canada doing right now? - Oh, I have a friend in the UK. - There are way times have gone even further and further. I have a friend in the UK. She had a migraine, took her three days to be seen. When she had a severe medical issue being happening. - Yeah. - I mean, but I think she could get seen. There are people here that can't get seen at all. - You can go into, that's not true. That is objectively not true. Anyone can go to an emergency. - So, do you think that? - Yes. - How many people are stuck in medical debt because they went to an emergency room? - Buddy, you know how insignificant it is to go through bankruptcy in this country at this point? I'm not even saying it's great. I'm not defending our system, but I would rather at least get seen in a life and death situation. - But most people don't even know - But I'm saying that life is more important than debt. What do you mean, most people don't know? People go to emergency rooms from their primary care. People know the option. - You see that people know that they can go to emergency rooms. There are many people who don't go. - You're not gonna have me aggressively defend our care system, but if you wanna bring a system that is not working in Canada and the UK here, I don't think a lot of people are gonna be in favor of that. - Okay, I'm not saying that like, UK or Canada have that like, you wanna do Germany where it's mixed between public and private? - No, I actually think that like China's system is pretty good. China's healthcare system is pretty good. (chanting) Concentration camps in Western China. That's a system I wanna replicate. - We have concentration camps here. - I was literally talking about a concentration camp, you know, where you go for a week to learn and focus. You know, oh man. - We education camps where we force people at gunpoint to learn our culture. - Do you know what my-- - You're actually gonna consider-- - Concentration camps that we have here. - Bro, at gunpoint, learning our culture and just in forgetting everything about their religions, you think we do that? - Yes. - What the fuck? - Your world view is pretty good. - That is nine states and native people. You think they didn't do that shit to natives multiple times? - So you're comparing what China's doing right now with what happened before any of us were born. - History does mean something. - Yeah, but it's not happening now. I'm talking about using the system now asshole. I'm not going over to Germany and crying about the Holocaust for every political decisions they make today. That's such an immature baby argument. - I would argue that Chinese development of infrastructure is much better than ours. - Yeah, you know how? Because people can't stand up and speak for their rights, their property rights. You want that? You want us to be able to plow new brumples to the ground to build high-speed rail between Austin and San Antonio. - Okay, that might be a hot take, but actually I am so pro that that that I should be fine. - I'm pro high-speed rail, but if you're okay with literally the government, you not having any say on what the government does, then yeah, we can build a hospital overnight. You're absolutely right. We'll make sure people die to get it. - I mean, if it saves more lives. - That's your worldviews are weird. I would say actually Western culture is pretty good. We've done a lot of good things. It's been good for you as a woman. - It has. - I don't think I actually want to go to a regime that has either forced abortions and reeducation camps and 25% youth unemployment. - You're in a forced sterilization in places like Puerto Rico. - When did we do that? - Do you know anything about the history of Puerto Rico? - I'm asking you a question. When did we do that? - Would you like me to pull up a specific year? - Ash, decade, my goodness. You're the one that brought it up, brought it up, have some kind of knowledge of your documentary. - Where it's 20th century. - That is 20th century. - Okay, very good. In our lives. - So you want me to only care about the things that have happened right now. - Things that we can change. You can change the youth unemployment in China and the reeducation camps. We can change that now if we were Chinese. We cannot change what happened in Puerto Rico already. - We can change what's happening for-- - Yes, and we are not cutting out people's balls in Puerto Rico today. - But we still have like horrible infrastructure built in Puerto Rico from those decades of like continued-- - Now that is an actual argument. - Not bitching and moaning about something that wasn't in our life. - Well, if you let me finish a sentence, I'd be able to actually get to that point. - Yes, please. We caught off people's balls and that's why they don't have roads. I was worried about that. - Yeah, 'cause that's what I said. - Yeah, I was worried about that too. And guess what? You probably are against data centers too. - I am. - Aren't you? Why what's the argument? - Oh, wait, sorry. - Other than you just have blue hair, what's the argument? What's the argument? Because Texas is leading a data center curve. Construction, what's the argument? - Well, the fact that-- They're bad for the environment. Okay. Why are they bad for the environment? Well, through one, they use a lot of the fresh water in the work starting to have that fresh water. Okay. They use less than.5% of all fresh water in the United States. Longs, lawn maintenance in this country uses 2.5% of all fresh water. I also don't think lawn maintenance is a good thing. Very good. Almonds. And California alone use over 1% of all the United States water. We have now closed system loops and data centers that barely use any water and now data centers that are being built by Amazon, Amazon, Google are actually net contributors to water in this country. So you're again, again, something you have no information about. Now, if you wanted to say energy, there's a valid argument there. I was going to say I actually like data centers. But of course, you're just blue hair to uninformed and you can have all that. On everything and you want to flee this country and you have no idea what you're talking about. And by the way, all the other Nordic countries with all the social programs you like, they build data centers like no other. That doesn't mean I support them either. But you should. What's wrong with that? What is actually wrong with that? I just don't think that they're contributing to like anything. Well, objectively, they're the only thing that grew the economy last year. Yes. And two, do you want to have China completely dominate that? You know what happens in countries that didn't invest in the infrastructure of the 20th century? They're left behind. Doesn't mean we can't not be those people in the 21st century. The electricity, that's a valid argument. But guess what? 70% of the US entire electrical grid is near retirement because we have an investment in in 20 years at all. The only reason we're even having that conversation is because of data centers. In data centers, many states are requiring them to have on-site electricity generation and any connectivity to the overall network and generation being powered by the network, they have to pay for 100% of the costs. That actually happened from the Trump administration with Democratic governors and Republican governors. I mean, that in the states of Michigan. I think that was Microsoft that led that effort. Microsoft is leading that effort. They were pioneers on that. Absolutely. So again, your argument is invalid there. Now many places have seen local increases in electricity prices, but now we are fighting that. We are fighting that by making them build on-site and pay for 100% of the cost. Okay. So you're against them still? Well, I'm against the on-site generation when they're using turbines to do it. I think that's ridiculous. Well, it makes sense when it takes three years to connect to the power grid because our regulations are absolutely insane. That means by the time they want to build the dam and set up, if they do not do on-site actual electricity, it means they have to wait three years just to open it, which means the 1,200 jobs are so that are created with each building of an actual complex, like in Abelian, Texas, would take three years just for those people to start working. That doesn't make any sense. In fact, they were able to cut property taxes in half in northern Virginia where the highest concentration of data centers are. And guess what? Now they're banning all new construction of data centers because of people like you that have no idea what they're talking about. And they're just on the next thing of outrage and they want to flee to Germany where they build data centers. You're just, and have no idea what you're talking about. Open your phone again. We'll see how much that was cut. Starbucks is bulls**t 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 gamers' subs at home for just 40 cents of 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 GamerSubs. 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. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new, Dalawaiz budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars in hiring dozens of people, we've completely rebuilt Dalawaiz and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time. Or trying it again after you use the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now. Take your free trial to test it out and get the monthly plan at a 33% discount for three months or take the annual plan for an insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download Dalawaiz and start your free trial. Go to Dalawaiz.com or click those links below. Girl, you're just on YouTube all day. Yeah, that's why I leave it playing while I'm. Leave it playing while you cook. Yeah, that's what I do. But you just said you don't cook. Because I have afternoon classes. So I get up in the morning and then I cook for the dinner and then I go to class. One of you needs to wear more deodorant. No, that might be me. Who's going to cheesecake factory? You can't afford to shit the state, save your life. That would be awesome. In Chick-fil-A, that's real progressive. Homemade BBQ can just taste good. It does. It really does. Unfortunately. It really does. Okay, this is so funny. Now we have to leave in a part of that conversation. $21 a month for chat GPT. I was using it for a little bit. I canceled it. But. That's very good for workflow. There's nothing wrong with utilizing a tool. I was using it for their codec integration. Uh-huh. And here's the thing. Listen, I'm not. I would actually rather A and A be a thing because I'm terrified of what it's going to do for jobs. I'm not going to be ignorant to the reality of the world and we can't get left behind. The fact is, if you're going to be so anti-AI that you're not going to learn it, you're actually going to get left behind in new industries. No, I'm not anti-AI. I'm anti-using it for stuff like art, but I'm not anti-AI as a total. But even still, people are going to use it for art. I don't like it either. That's right. But if you don't figure out how to use it for what you do, you're going to get left behind. No, but that's what I'm saying. It's another tool to use, but I don't like when people use it. I mean, we use it for some of your business planning. Yeah, I was going to say I use it for my business plan. Okay. Well, you're using the data centers. They use 10 times the electricity per query in chat GPT, then you do a Google search. You're doing that. And then you're saying, they're so performative. They have no actual values in this world. They don't even know what they're talking about. Oh, I'm glad I got to meet one in person. I'm so dead. I'm so glad. You guys are horrendous. I'm so glad civilization doesn't listen to you so we can all progress. Just remember I can vote. We know. We know. And I don't think you have an impact in Texas. Can you be stressed? No, you don't have an impact in Texas. I'm not even a pro state government here in Texas. I think they go way too extreme to the right. But listen, it's like we can vote. Yeah, but you have a turn out out here. You haven't done anything to save your life. So okay, cheesecake factory. Yeah, I'm glad we can have financial people that are completely undisciplined and can't speak on a subject to save their life. Nanny's cakes, Neem and Marcus, what is this about him? Kristen LaBaudin. That's Louis Vuitton. Louis Vuitton. Louis Vuitton. What the fuck is spending $185 on when you can't even keep a roof over your fucking head potentially? Was that your first or second pair of shoes? I only have one. Oh, no, I do have two. And you're going to spend $5,000 going to the place you'd rather live England soon. What the fuck is happening here? We're going to England to visit my best friend. Okay, make them come here if they can afford it. You can't afford a $5,000 trip. No, they have come here multiple times. But you can't afford this right now. Face time. You can't afford this. You can't. That's just a reality. I want you to see your best friend. The fact is, and this is how a lot of people are going to see this for the first time. They're going to see me as being Ruhu pro AI, a Ruhu pro Republican government in Texas or Ruhu anti-traveler, Ruhu, I hate Germany. No. You guys are just so broken in every perspective in an extremist position, including you're not willing to cut back on a trip to go to the UK. I want you to go there. I want you to have a best friend. I want to get you to that position. But you've thrown away your life so much that you're only going to go further down a hole that is going to hurt you and your child and they matter more than seeing your best friend. They do. That's a fact. Yeah. But now, well, that's why we're here is to fix it so that we can't. Well, cancel it. I'm talking to you. You will not go to the UK. See, that's why you're here. That's not why you're here. You want to do what you want to do regardless. You're setting your ways. That's why you have opinions on things you're not informed about because you're upset in your ways. You're not open to alternative perspectives and information. They cancel the UK trip. You cannot afford $4,000. You can afford the $7,000 PC. You certainly can't afford a $5,000 UK trip on top of it. Well, cancel it. You will. Yes. Officially. Yes. It's done. Yes. There's no way to pay off the debt before then and then take the trip. What's the trip? The summer. The summer. Can you get a 12 month emergency fund before doing that? Doubt it because that's what you need before she can do business full time. You want to ramp up the business. With what time? Wait. Do this. No. Do this. No. Please. I know why. I have a bit I'm trying to do. I know. That's what stinks. It's not. But okay. You like to get up. there in them Harry Pits. Absolutely. Listen, you look like friend of the show Papa got if he had hair and he loves getting his wife's Harry Pits and I love that. I love that for him. I love that for him. Oh, I did get a big whiff as you put them down. So actually, okay. I kept them down. Starts bakery, dairy queen, university of Texas, San Antonio. I think you just bought something there. Two Tarts Bakery in a, Lily Go Starbucks, Neiman Marcus. You can't afford an even Marcus asshole. I don't know what that was for. Oh, you're not even know what it's for. That's when you know you're in an absolutely horrendous position. You're a fake moralist. You really just want to live a bougie lifestyle. Yeah. That's it. Yeah. That's it. Let's just be honest. You don't actually give a fuck about anything you talked about here that you're uninformed on. I would like to be more informed on it. I just. Why have it opinion before being informed? I don't know. I try not to allow myself to. We all fail in that as humans. Mainly just I try to stay as informed, but I forget a lot of the things that I read. And I don't. Where do you read? A lot of like sources from like I'm big. I was a psychologist for. Where do you read your information? Mostly journals. What journals? Depends on what we're talking about. From where? Mainly from government sites. Government sites. It's not usually the most reputable reporting sources. I try. I try. I know, but I try to find a source that's as close or as reputable. What do you mean? I would rather have an independent journalist that's going into a government organization. Especially the current administration. Almost any information they put out. I'm like, that's pretty. I'm not listening. But I need to be able to. Because they're all hype on their shit. I'm not going to listen to their shit, but I wouldn't listen to the Biden administration. Either. I'd rather look. I'd rather the Wall Street Journal look into what the administration's doing. Get some sources on record or off record. Make a report. That is like if you can still trust them after all the firings again. Wall Street Journal? Are you talking about the Washington Post? Oh yeah, I mixed up with the Washington Post. Oh my gosh, they know nothing. They have opinions and they know nothing. Amazon Uber eats Nordstrom Sephora, Lily's Cookies, going in and getting to bullshit. Amazon going to get to the bullshit. Nordstrom again. How often do you go to Nordstrom asshole? Um, decently often. Why? Why do you feel entitled to that? I mean. What do they call them? Caviar Socialist? Something like that? I knew he was going to say that. Oh, this shame. And Showsl. Am I wrong though? No. No, you're not. We actually had to talk about this recently. I mean, objectively you are. Yeah. Louis Vuitton, Nordstrom, all this insane shit. Poppot, AMC, AMC, Target, Target, UT Commons Cafe. When I go to Target, it's poetry. I hope so, but there's also a couple of purchases of the same day. One was like a grocery amount. One was like a five-dollar purchase. Oh, he doubt that's grocery. That's probably Starbucks. Probably Starbucks. Why are you living up to every stereotype? It's so unfair to you. I'm not even doing it. D-pad, Michael Stores. Turn style coffee-brea. Signature nails, signature nails, McDonald's, Amazon, Barnes and Noble Barnes and Noble. Jerry's. Are Robb-a. They have one there? Yeah, in San Antonio. Oh, they're all around? Yeah, I think that's the only. They have a spinning Jerry? I don't think so. No. It's like a smaller one over there. There's a cool Jerry's in Arama here. Is there? Oh, really? The big spinning Jerry. Don't go there after here. There we go. I'll think about it. Debrand. Debrand case or skin? Yeah. Oh, for like 200 bucks, Mike and I. I love them. They support the channel, but you can't afford them. Nords from again? Oh, HB, Bucky V. Yeah, but HB was bullsh*t. It was $2 and then you went to get your shoes at the same day. We also get the pharmacy. No, okay, that's fair. So it's like the small amount of. I'm sure you're on a lot of self-diagnosed meds. Not self-diagnosed, but a lot of meds. That's very good. I see. Co-serial gay men to be self-diagnosed. Oh, I'm sure you do. I bet you're getting endlessly enabled. Come on, we've seen it so much in this culture. Have you seen the mental health diagnosis among young women in this country? No, I'm talking about physical. physical shit. It's wrong with you. A lot. My entire autonomic nervous system doesn't work properly. You're gonna have to tell me what that is. So you're. At least I don't pretend to know something when I don't. No, that's fair. Autonomic nervous system is what controls like your heart rate, your sweat, your. like a lot of. Why are you so stinky if you don't sweat? That actually happened after pregnancy. Yeah, after pregnancy. Like my cold body. I used to not smell at all and then like now I can't really. You have information in the Mexican. Is that's how you want to put it, sure? Yeah, I didn't really sweat before and now it's completely different. I'm like relearning my body right now. So Co-serial gay men have the 2000s. That's probably better if you kill me now. You both are horrendous. Michael Stores, P&H photo, $806. Wait, P&H photo, I think it's from my. Yes! Wait, what was that for? Oh, great. No, no, no, no, no, no, no. How much was it? Ah, ah, ah, ah, ah, ah, ah, ah, ah, ah, ah, ah, ah, ah, ah. What was it? Balsa, balsa, balsa. This is so f***ing stupid. Okay, okay, let's move on with the second card. Okay. I thought you guys were protesting Starbucks, aren't they on the. BBC list or whatever? Oh. No. I think they are. But like, that's why we were like rationalizing it because it's the. The negative, the target, the Starbucks versus like the other stuff. There's no values. All of you use the mine card. It used to be the Fizz card. It's the mine card. Thank you for the footsie under the table. I appreciate it. That's okay. Let's play footsie. Let's touch those. I mean, I'll play footsie with you. Well, we'll play footsie. You're getting cucked over there. We're playing footsie. Oh boy. All of you guys use the mine card. It used to be a Fizz card. But it's the mine card now. It is the debit card that builds credit. I highly recommend it. Okay. I can't spend more than this in your checking account. Because that's what you do. Mine card. It's going on here. Any business purchases. I wanted to switch to a different one. Okay. Those, the reason it had a balance at the time was for a business. Prime for me. Oh, I've been to the firm. I know. $273.87, $35. That's under you. You have a business. Oh, you want me to pull out. No, whoever has it. And yeah, I mean, well, audible. That's that business. No, that was an accident. That was an accident. It was because it's connected to the same Amazon account. Arts and crafters. I'm going to make sense for the business. I guess square pad services. Mark and Mark actually none of this is Amazon. So I don't even need to see that. Yeah, I was going to say that I don't find any Amazon. Markets for makers in Canva. Yeah. It's all just purchases for business. Oh, Mario cheers to Kondo. This is good. I love a Kondo. It's expensive payment. Oh, whoa. This is an expensive Kondo. Yeah. This is as much as my Kondo. That was like downtown Austin. And you're a new Bronfels. No, no, no, no. This is it. That's an alligator. Oh, that's indecisive. Okay, what's the, what's the, what's the, where are you going to sell it? We've been trying to sell it. We're trying to sell it. Oh, what's elicit for? It's me. What's elicit for currently? It's elicit for for 20. What was elicit for it? It's start. It was originally elicit for, it was originally valued at $450. You've only cut it by 30K. Yeah. Since May. Yeah. Well, now we're trying to rent it. And we're getting, yeah, I was going to say, because if you, you're not going to sell it at $420, with that, I mean, with obviously clearly the market has shown. But not only that, but you would break even a best. Yeah. Because after all costs and whatnot, with the 385, 840, 0.63, you owe on it. Yeah. But break even. Yeah, we thought we were going to be staying there a lot longer. But I needed help with the baby so we came here. $2,921 since '61. I'm Matthew Hattchenky. And how long have we been trying to rent? Only like two months. Two months. And we have one possible renter lined up. Shit, man, what are you trying to rent it for? $2,800. That seems to be what the market is doing right now. And so we're going to be definitely losing money on this because you're going to have the payers, you're going to have maintenance, you're going to have all the shit. And then not even that, it doesn't even cover the mortgage. Yeah. I really want to get out of it. But who's student loans? If it's aid advantages, mine. Aid advantage. Federal student loans. So these are on pause. Yes. That's good. So long as I'm in school and we did A off a little bit. Forever. Yeah, at this point. Well, okay, $27,512 since 33 cents for our degree, we can't finish. Well, some of these do not have great interest rates when they do resume. No, that's why we started paying them off a little early. Well, I wouldn't now because I mean, we're not dead. No, not dead. But, um, okay. Well, I thought you had student loans. I don't see them. Oh, they should be there. We submitted them. I just got to, uh, and would be Ed financial. I just got to, uh, uh, okay. Well, either way, you're in school so they're paused as well. Yeah. But how much are they? I believe I have 20,000. Okay. All right, check it out. Is this combined? This Navy Federal, what will it be? - That's combined. - Okay. - Yeah, combined everything. And it was seven down from 10. Seven's definitely a good balance to have. I mean, I don't know if I'd even keep that much in there. Personally, maybe like five. Nah, it depends. I mean, I know you guys are budgeting not. So that's why you should have a lot because it means you don't get up. But if you're actually budgeting properly, you wouldn't need that much in there. You could actually make some money growing a high yield, like chime. - I'm really bad with like switching everything to digital. And. - What? - You were in the cash stuff. - No, 'cause when I was cash stuffing, it was easier to keep track of everything. - I'm super pretty. - Okay. San Antonio, San Antonio, UG San Antonio. Who's the only UG San Antonio? - I am. - I am. So what was that? Almost 2,000 bucks with their two purchases. - That would be paying for my classes. - Okay, and then you get reimbursed. - Yes. - Okay. Okay. - How much is going on? Okay. Where was savings? Is there savings? I know we have investment accounts here, but was there savings? - That'll be it. - Was it just in the check in the case of the check? - It wasn't the check in the case. - Well, shit, that's dangerous. - Oh no, wait, did you not submit the rest of the savings accounts that we also have? - I don't think we have. - We have. - We have. - We have the investment accounts. - No, we have the savings account. - Which one, Ruby? - The VA savings account. - That's in the combined. - Is it in the combined one? - Yes, in the combined one. - Okay, then yeah. - Oh shit. - Okay. - This, Roth IRA. - Mine. - Okay, good. For age. Actually, yeah, okay, I'm happy with that for one account. Let's see what the rest looks like. Is this Vanguard separate? Or is this just within inside of it? - I have a separate brokerage. - It's 17. Okay, great. Then I am happy. You are on track for your age. That's good, but we have a household in here. So if she has zero, that's gonna bring you from a tenant to a five out of 10. But, the reality, what's this? 734. - Oh, that's 529, the kit? Well, I thought too good. - No, so that was a 529 that I started before she was born. - Okay. - And who is this? 'Cause I have a Roth IRA and a UT Savers. - So both are mine. - Okay. - UT Savers is a-- - Well, you have an additional 7 sitting there. Just about eight coins, 446. - Mm-hmm. - You as well? - Yeah. - Okay, what do you guys? So you're at about like, what, 85? - With the-- - Mentally, I think so. - Okay, and then so far, who's thrift? - That's me. - Okay, about 50. So we are actually more than on track. And who's 13 on edge or Edwards Jones? - Edwards Jones. - Good, and your parents are talking to you skills. Why the fuck don't you have anything? Why don't you contribute? You've worked, you've made money. - Because I've put my money into his stuff. - Even? - Are you pre-knuffed? - No, we're not pre-knuffed. - Okay. - Okay. Okay. Well, he doesn't think he put money into his butt. - I did. - Are we talking about like, we put money into your author from my dancer money? - And his author, I should, that's-- - Yeah. - I don't know if that's kosher. - No, if we're married, I think that's-- - Yeah. - And I was making money at the time too. - Well, he was making money at the time. - So like, it's about like earned income. - Okay. - It was 'cause we were trying to combine everything. - Listen, for the household, well, since the household, actually from all technical math, household is 10 and 10, 'cause you actually bring in nothing. If you brought in money, it would actually bring the household financial score. So since you meet over one time's income currently, you're actually, well, that's what's gonna carry your score. But let's get this budget figured out. 'Cause I wanna get you guys to one, you being able to be that woman here on icon, you wanna be, they then icon. I want you to get there. So all that including the mortgage 2000 and, (imitates a voice) and so on, and I can't include the renter yet. I can't until we have them in there. - No. - Okay, so all that included is gonna be $2,999 to 61 cents on a monthly basis. Okay, now you're still paying for utilities and whatnot. So the utilities are really cheap right now. - They say $20. - Okay, good. - That's about $85 a month? - Okay, for $2, that's not bad. Car insurances? - That's new, so that's-- - Yeah, that's new, that was $130. - For both? - No, for me, they're still under there. - I'm still under there, mom. - Yeah, they're mom. - Car gas, from Drive Drive, how much? - Gas is about-- - It's a lot because I have to commute-- - It's about $135 a month. - I don't want-- - No, it's not much. - No, maybe it's more than that, because I think-- - How much is the gas, guys, please? - So I have to get gas every like, I would say like every three days. - What's the number? A month? - Let's say like $200 a month. - That's okay. - That's not-- - Okay, that's okay. - Is the baby from the booby? - No. - She's not-- - She's not-- - She's not-- - She wasn't a formula, but she's not a formula anywhere. - What is she, baby food? - She eats regular food. - Yeah, she eats regular food. - Like human food. - Hmm. (humming) - Okay, I think we should be able to budget $750 for food for the household. - So the only catch-- - So the only reason is that-- - Based on H-E-B-O, what's the catch? - We have to pay for-- - We have to pay for-- - For the whole household. - It's an entirely different kind of flying, all together. - It's an entirely different kind of flying. - We make food for our-- - Oh, well, this is in the house. - My mom and my little sibling. - Are they okay with your meal prepping on the cheap? Well, you're gonna have to give me an idea with them 'cause you guys are trying to get yourself to a better financial position so you can move out. - Yeah. - Yeah. - We should be able to budget for about 1,100. - Okay. - We have a meal plan, we will give you that. I don't have it right here, but it's right there. We'll give you that and we'll also give it the cookbook. - Based on HB prices. - Oh, bet. - Cool. - Yeah. Okay, Tp fun, anything else for you, the kids, all that good stuff, about 200 bucks a month, medical health care, know you're broken. What is our copay and our monthly basis? - So copay is about $30 for each. - Not the basis, come on. - You've had a lot of appointments. - I have them. - Let's say once a week. - Yeah, once a week. - Let's just say like 160. - Okay. - 160. - Good, is there a gem? - Not right now. - Subscriptions, let's try 40. Are there pets? - We have three cats. - Oh, what's wrong with you? $150 for pet insurance, 'cause you couldn't afford a-- - It's actually $65 for pet insurance. - Well, those are probably, those probably really bad pet insurance. - It was the ASPCA pet insurance. - I don't know what that's covers. I would reassess. - I think that's okay. - Okay. - I'll put a 65 for now, but I would reassess because a lot of people with cheap, that's actually quite cheap for three cats. - Yeah. - And with that, it might not cover a big expense, which is the whole point. - It was, it's extra than-- - Just take a look at all of these ones. - Just take a look. - Okay. - I'll put up for 65 for now. How much for cat food? - I believe there cat food is about 120 a month. - Anything else that needs to be in this budget that I have not put in yet? - I mean, are we still gonna be contributing to the $5.29 plan? - Let's take a look. - Okay, we probably can $5,999.61 on a multi-basis. Obviously that math change is a little in your favor when you get the rent here, but we have to get the rent here first. - Yeah. - income right now, 240 from you. But household is 8,110. Now we'll go down, but that's in a couple years. I'm not freaking out about it yet. - We'll save the money from my stuff. It's about 1,500 a month. - Yeah, isn't that just paying for school though? - It gives a little bit extra. - How much extra? - 300. - Okay, plus 300. So you have an extra 3,310,399 cents. So we know how to manage the credit cards. Obviously you pay those half immediately. That's not hard. - And that's a really big part of it. - Make sure you have some of the plan that you wanted to do for paying off the credit card. - Oh, I was just planning to throw everything that you had to credit card. - Yeah, just throw it. You paid off in a couple months. That's not a big deal. - Yeah. - My big thing right now then, after that, I kind of like you don't have a renter, we get rid of the rest of the debt payments. Your living expenses to like 5,000, we'll call it 5,000. I want her to be able to go into this business full time. What I would essentially do, I'd save up nine months minimum, save up 40,000 dollars of which with the, how much was left on a monthly basis? - Didn't you just say 3,000? - It was the 3,000. - Okay, good. - Good. Which, I mean, you save up in just a little over a year and then you can go full force. That's nine months emergency fund. That's incredible. I think in just over a year, you guys have a nine month emergency fund. Your debt's gone except for the mortgage and student loans, student loans for the minimum to pay until they're paid off. Once those are even started, mortgage hopefully we can sell that at some point when the real estate market recovers. - Yeah. - You guys can easily go out on your own, have your own place. And I hope you find, you guys will be fine. You can focus on your business and install a joke. - Hey. - Actually, it doesn't not that hard. It's a stupid position to be in, 'cause it's not very hard. - Yeah. - Okay. Well, I know the post show's gonna be interesting. And what I'm gonna go through, they're texting see how this dynamic, that dynamic that I was tracking from the beginning concerns me. So I'm gonna go through that and we're gonna figure some things out. Now they wanna put their daughter in private school. We'll talk about that. It's ironic. Oh my goodness, okay. Oh, they're finally moved to Austin. Okay, there's so much shit. We're gonna go into the post show. It's gonna be fun. But let's get the hammer financial score first. Spending in a budget, you're overspend zero out of 10. No collections. Oh no, that's not that bad. That's your guys income situation. I'm gonna give it a four out of 10. Emergency fund, nothing in an emergency fund. Yes. The money said, I'll give you a one out of 10 'cause there's so many in the check-in account, but we're gonna move some sort of their retirement due to the income situation. Is it 10 out of 10? Real estate, it's worth about what you paid for. Well, you don't even know. Reds, you would be less than breakeven. The interest rate isn't that great. Not the best real estate, six out of 10, but at least during the market, that's kind of what matters there. Hammer financial score, rounded up, 4.5 out of 10. Starting to show the post show, guys. Yeah, 'cause your finances weren't that bad. It's like, it's like, okay. But, starting to show the post show, it's gonna be a good one. See you there, join Hammer Lee. Wait, why do you have Bumble Premium and tell July of us, you're? Wait, what the (beep) Why are there hinge notifications happening right here? There's hinge on her phone. She's (beep) messaging dudes every second of her life. Oh my goodness. There's men like you knew every thought, you're just chatting to men and she's fully (beep) you, she's fully (beep) you behind your back, this is insane. Don't forget to download the new Dowloized Budgeting app. This is officially now the best Budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and meal directly to you. After March 31st, the cookbook is going away forever so this is literally your last chance. One is the opportunity of a lifetime. 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