45-Year-Old Lost ALL Of Her Money

Brooke, Pellafont, 45, Kyle, Texas, and this is financial audit. What do you do for a living? I actually do a lot of different things for a living, so that's a hard question to answer. But predominantly I'm a writer, so I do curriculum development, but then I also founded a nonprofit that does literacy and art programming in the county jails. Wow, okay, this is really interesting, because I was seeing as I was going through your checking account, although this is a few months, there were quite a few different sources that were coming in. So, well. Some of the freelancers are ultimately, but. Yeah, let's talk about that first one. So the writer just job in general. What do you think that brings in? Monthly basis, annual basis? So at this point, I've been doing it for a while, I have like a client that just like pop in, pop out, but I have some solid clients, so I know I bring in at least three a month. A thousand? Yeah. Okay, cool. Somewhere around there, I mean, maybe 25, one month, or maybe four another, but. Sure, sure. Well, we're just average now. Yeah. We're from 3000th, cool. Setting 30% aside for taxes? Always. Good. Not okay, maybe not totally. What? I don't know. I'm not super great at that. I do save, but I don't necessarily think of it as 30% for taxes. So what happens when a taxis and comes? What do you do? I have a savings account, and I just take it out and I go, "Oh, look, there it is." So you just have a general savings account, and you're like, "Here's the bill." And I just try to chuck some in there every month. So have you had any issues with the tax bill when it's. No, no, I haven't. Okay. Luffyly, no. Oh, that's definitely a way to do it. I like, you know, personally, when I just manage my own money, I like to make sure I'm getting the best return out of every single dollar that comes in, so I'm like, "I set 30% aside because it's going to be somewhere around there." But taxes come in, and then I know beyond that I'm able to utilize the other money to make sure it's growing faster than inflation at least. Okay, so with that writer position with one of my clients, I actually have a, quote unquote, full-time position with them, so I do like pay taxes to all of that. Is that included in the $3,000? No. Oh, what's that? So it would be six total. Wow, so that's an additional three? Yeah. Oh, very cool. And what is that full-time job? So that's a curriculum developer for real estate company. Oh, okay. That's that one. Okay, real estate school, yeah. Okay, wow. Very cool. So, okay, $3,000 that you owe taxes on, eventually $3,000 that's W2, so it gets taxed. Right. And then you mention a nonprofit. Do you get anything from that? I used to take in about 500, 500 to 800 a month. And what does the nonprofit do? We do the financial, not financial, I'm sorry. Literacy, we do like storytelling, writing, creative writing, and we do like art programming for inmates. Oh, very cool. And that has a website? Yeah. And then you can find the link in the description below. So, if you want to check it out. Oh, and speaking of that, make sure you're subscribed, because I'm really trying to get to 100,000 subscribers. And we're really close. You guys are awesome. So please consider subscribing. And check it on our website as well, which is linked below. So, that's really cool. That brings in 500. So, I'm looking at 6,500. And then any other sources? Well, I have child support. That comes to you, okay. That comes to me, yeah. And what is that about? 2700. Okay. So, until this year, and then I have one going off to college, so it'll drop. So, hold your kids. 17, 14, 13, 11. I'm still on. Hey, what is Vela? I was more than I expected. But I love them all. Okay. Very cool. So, the person that you're with at Divorce is official. Yes, we have them for a long time, like 10 years now. Yeah. All right, so we are looking at a pretty good chunk of chains that comes in on monthly basis. That's, uh, they're even more on top of that? No, no, that's all I can think of. Okay. Well, I mean, no, that's not, sorry. Now that I, now you ask me, I thought of another one. So, I have 500 a month that comes in from commercial real estate that I own. Really? Oh, very cool. I didn't pick up a hint of that in the documents and I was looking for that. Where do you own property? In Dallas. Is this like, you know, with a group of people? I don't know with my brother and my cousin. It was given to us in a trust from my grandfather, like, since we were little. Oh, wow. And so. What is it? Could you speak out on it a little bit, the property? It's just a property that we rent out to air gas, actually. Okay. So, what is that? I don't, I honestly have never even seen it. No, it's one of the, they do the big tanks of like oxygen and nitrogen and all of that. Is it like a warehouse? I've never seen it. I've never seen it. Oh, okay. Yeah. Well, it's cool and like, no to self, maybe you should like go and go and look at it. And your cash flow is about $500 a month, your portion that comes in? That comes in, yes. Well, cool. I mean, these are a lot of great sources. How obviously you don't, it sounds like you just don't do much when it comes to that property. I do nothing. Okay. Yeah, sorry, to sound, yeah. And then the child's support, you know, obviously you can think of the children that takes up time. And then they're nonprofit and then the two writing positions. Well, one's like a lot of writing positions and one's more concrete. Yes. What does your month look like? What is your week to week look like? How just like crazy busy are you? This looks crazy busy to me. I don't feel crazy busy except for when I stop to think about it. So, I mean, I have a lot of energy. So I'm always on the go and I just, yeah, you just learn to juggle everything. I like it because there's always something different going on and I've always got something like, I don't got to do this or I've got to write these articles for that client or I'm writing a, you know, a curriculum for this rare disease or I'm looking at this, you know. So I like being a jack of all trades. Okay. How many hours a week do you think you work average? I track it all through toggle usually and I would say 40 or less. Oh, okay. Cool. Yeah, sometimes 30. Okay. So how would you describe your overall financial, personal financial situation where you stand in life right now? I would say I feel pretty good. At the moment, I am petrified of retirement. I have like a lot of anxiety about that. So, yeah. Kind of like my big plan is to be to like milk goats in a commune because I'm not sure I'm going to have enough. I don't know, I keep hearing all these people say like, oh, you have to have a million dollars. And, you know, at least to retire. And if you have a million dollars, then you'll get 30,000 a year off the, you know, roughly. Yeah. And I'm like 30,000 a year. Okay. Well, that's not terrible. Like if your house is paid for and you don't really have any bills, but like my house isn't paid for and I have four children and I still have to put them through college. And like, there's just all of these things that sort of like. Wow. That is so hot. Maybe take a deep breath. Yeah. So, is the home paid for? No. Okay. What is the remaining mortgage on that? Okay. A lot. Oh boy. All right. Yeah. I just built it right before the pandemic. So that was awesome. And I. And is it just you or you married again? I have a partner. Partner, but it's not an official marriage. So nothing's combined officially. No, I'm the only financial person in our house. Oh, okay. So, your partner doesn't bring in any money? No. Oh, okay. Yeah. And that's fine. So, let's talk about the house. Again, was there any mortgage? I don't know what the remaining mortgage is. I know we, maybe somewhere like 250 I'm thinking. So, not crazy. I know. You're going to. Well, for this area. Yeah, this area, it's kind of insane. So, I put a lot down. I took a bunch of the money I got. What did you put down? I think I put 75 down. Okay. So, it's like 320. So, built a house? Yeah. Yeah. You built it. And the car. I'm going to put it outside of the house. Okay. So, when did you do that? 19. Yeah, 19. No, 2000. I'm sorry. So, it's in 2018? Okay. So, the interest rate was probably. Super low. Yeah, I got the last like really awesome interest rate. So, I can't read for you. Oh, is that 3%, 4%. Okay. So, here's the deal on that. My ex-husband trashman credit, like so horrible. He used to own three houses. And then he just didn't make the payments on them. When he got them in the divorce and didn't take my name off of them. So, the banks foreclosed on them. And you know, I had really angry renters yelling at me when I was like, I can't do anything for you. So, I couldn't actually purchase the house. So, my parents actually took my money and they bought the house. So, they technically owned the house, but they've deeded me like 90% of it. Yeah. It's like a weird thing. But, so I don't take any of them. All three of them? No, no. All three of those houses are long gone. He ate foreclosed on all of them. She's okay. Why did he. Why? That's a really good question that I can't answer. And you didn't want to try to. I didn't even know what was happening. I didn't know what was happening to all it already happened. Yeah. You know, that's brutal. I'm sorry, that sucks. Yeah. Well, look at your credit. I'm curious. Oh, yeah. My credit went from like an 820 to like, I don't know. I think I was a little below 400 for a little while. Yeah, no, it was really terrible. And I've been working like the last eight years to bring it back up. And I'm. I think the last I looked at was at like 731 now. Oh, okay. So, I'm okay. But just at this point, it's not worth refinancing. Sure. I'm not going to get. Well, it wasn't interested on this house then. I have no idea. I'm so sorry. I should be better at my finances, I think, by being able to answer these questions. Maybe it's like 3.1%. Okay. 3.2% or 3.5% something like that. It's a mortgage. 1987 a month. 1987, not. Yeah, I know. I have to say, you remember. Not bad for the area. So, like, I can't rent for cheaper than that. And that certainly fits within your overall. Budget. The child support is about. Is a third-ish though. And you said that will be decreasing. Because you mentioned quite a few ages. One's going out to college. It's not like a couple more will be pretty soon. Pretty soon. So, in the next five years, I'll have three of them out. And I'm going to. in college. Okay, then this mortgage will take up a lot more. A higher percentage. But my plan is to either get a roommate or rent out the rooms for Airbnb. I mean, you don't want that to you or do you actually want that? I don't really want a roommate, but I wouldn't mind renting out through Airbnb or just renting the whole house out and like living somewhere way smaller. Well, what is it? What is it now? Square footage? 2400. Ooh, okay. And beds and bath. Four bedroom, three baths. Oh, two, like two living room. And then we also have like an upstairs loft and we have a downstairs like open room. Okay. So technically it could be a six bedroom. Close it in. So okay. Well, before it is, I'm happy with this. Even, well, now you know why fear retirement. I don't think you have well, so far there's nothing that's like screaming to me. That's terrifying. We'll continue to look in. We'll see. I think at that point, it will still be just under 30% of your take home. No, because some of this is before taxes, but it'll still just be around 30% okay, ish. And I think that'll be comfortable. And that's after all the child support is gone. So it's okay. Okay. That's good. I have to manage some things a little bit. Maybe some of your categories are a little higher right now. They have to be brought down. I'm not sure. Well, I would say that like definitely my categories are higher. Like as far as food goes and like items of clothing, because you have to, you know, feed all these people and clothe them and they grow very quickly. So they can't just like reuse clothes. And like, yeah, I mean, I guess vacation's would be cheaper because I'm not paying for five people to travel. Right. I would just be paying for myself to go visit them. Kind of. Sure. Sure. So yeah. Okay. Well, we are definitely going to talk about the college funds because you mentioned sending them to college. So it sounds like potentially painful. We'll talk about that. We'll talk about this home retirement and all that stuff. At first, we're going to start with your checking account and we'll look at savings and we'll look at some retirement portfolios we have. And then a debt as well that is outside and that mortgage debt. And then we'll get in all that good stuff. Okay. Sounds great. So you're checking the account at the point of this statement ending 5,364 dollars to in there. I'm very comfortable with that. Okay. Yeah. No, I feel pretty good with it. Yeah. Yeah. Now kind of you have to credit cards. So yes, you pretty much all the spending on there. So there's not too much to talk about here. Really what it is. We have credit card payments and you've been a lot of money. It looks like you've been my almost $2,000. That's the mortgage to my mom. Oh, okay. Yeah. So are you on this at all? Are you on the mortgage at all? No, not at all. I'm just on the deed. You're on the deed. Don't love that, but I understand it in this situation. You are in is. Yeah. I don't really have any other opportunity. No, I got you. I just wish it was. I wish it was under credit. Yeah. Me too. Well, one of the things I've been like looking into is having my mom actually report it as if I were a renter. Okay. So then it does get on my credit report. So that's actually on my list of things. And then experience only that takes that into account. I could be mistaken on that. I don't know. I just superficially dug into it and like the person has to pay, I think the person has to pay a fee to be able to like register it that way. Oh, okay. Can still do it. I just have to figure out how to do it. Sure. Because I think it would, I mean, obviously it would, it would bolster my credit quite a bit. Yeah, I'm going to look into that as well. It's, it's interesting. Because I know at least proposed changes have been talked about. I don't, so. But that, that's, that's still, okay. And your relationship with her is good. Oh, fantastic. Yeah. Well, because we don't want to see and we've seen situations in, in this show in terms of like rent and stuff like that with family members where. Yeah. Not, it's not great. Well, I mean, it is family. So it ebbs and flows, right? It is. I just don't want like the rug to be pulled under you like, oh, I own this house. Yeah, no, my parents would never do that. And I want to make sure 100% goes to you. Yes. Yes. They've actually been really, really awesome. And they've set it up in their will to make sure that everything like goes to me. So very cool. Good. I'm happy to hear that. Which is really awesome of them. Now a lot of your money, most of it just goes to the credit card premium. So there's utilities and stuff as well. So again, not crazy and lots of income sources coming in. We're really not too much to mention here. The credit cards, we are going to look at your credit cards first before we go into savings. Cause this is spending really. And so we go ahead over here on your chase freedom. Well, it says new bounce, $3,600, $7.00. You ever hold bounces on credit cards? No, no, I don't. So I kind of did a weird thing because a long time ago, my ex was causing a lot of problems financially. And he would like decided, didn't feel like paying child support anymore or make up. Anyway, it's a long story, not to get into, but it cause a bit of trepidation. And I got worried that like what would happen if all of a sudden he's like, "Too, this is not to pay." And then I can't pay. And then there's like an issue. So I actually have my credit card prepaid one month ahead. Okay. So like everything's like, I technically every month have a zero payment. I just go ahead and pay the balance at that time so that I have two months just in case like life ever through me, a curve ball or something terrible happened that I could be, like, it live for at least a month and not and like, find any job anywhere. Sure. Sure. And that's where emergency funds come in, which will get to your savings. I think we're looking pretty good there as well. But let's look through here. Definitely some fun stuff like race way and going. Okay. Yeah. Yeah. We went on a skeev vacation. So my, my kids opt to get no Christmas presents. Oh, okay. To go on a skeev vacation every year. So and then I do buy them presents like I really do. I don't even, I don't even like, not a lot, just like a couple things to open. And there's also going out as well to eat and, you know, gas and lows and lots of going out to eat. It looks like it kind of looks like a fun card. HB sprinkled in every once in a while, but the vast, vast, vast majority and we're, you know, putting it on the screen for a lot of this stuff. It's just fun and coffee and toll roads and subscriptions like Netflix. And again, sprinkle in some groceries. December is kind of my fun month. Like, it really go work really hard. And then December comes and it's like, all right. It's the holidays. We're going to go out and we're going to go on a family. But that's holidays accounts. I feel like anything after October 31st is the holidays. Okay. So well, it makes me a little nervous here. 3,607 dollars spent there. 2,000 to the mortgage and then on the other card, 4,955 spent. That's all your monies. Oh, sorry. I think I lost you. I tried to keep my cards somewhere between like 3,500 and 3,000. So yeah, 36 seems pretty standard for holidays. But then I pay it, paid it off. And then you have the other one, 43. It might have been more. What I'm looking at the same card. Yes. Oh, okay. Yeah, I see. You have another card though, capitol 1, right? Yep. It's just a backup card. I don't actually do anything in case I lose the other card. Oh, I just have a card. And every now and then I'll charge on it. Okay. So most of it's done on the Chase Freedom. Everything's on the Chase Freedom. Okay. So never mind. It's not as scary as I thought it was. So looking through both tabs, then I was like, oh my god. I think it's the same. Yeah, okay, cool. So it's still a lot of money. It's like 5,600 spent on this card and then your mortgage. And then there's utilities and stuff on that. So it is a lot of your money. Yes. Yeah. How do you feel about your overall budgeting situation and how you manage your money? So I feel that these months are kind of an anomaly compared to my other months because I generally give myself 100 to $120 a day for my budget. 100. So that comes up to be like-- Is it like-- Is it like different categories or-- No, just like everything I spend. So in my head, I think to myself, okay, you have about $100 to $120 to spend every day. Well, if you spend $300 today, then you need to not spend as much for the next two days so that you can balance everything out. Does that make sense? It's an interesting way to do it. That's a stressful way to do it in my mind. Yeah. I prefer like, here's the categories. Here's what I'm allowed to spend on a monthly basis in order to make sure I'm meeting the goals that I'm trying to hit. Like-- Okay, I'm thought of it that way. Like, just even an amazing example, $1,000 in fast food, let's say. That's what you can spend. But if you've hit $1,000 in fast food and it's on the 28th of the month, then you want to go get me-- Donald's, uh-uh. Because you already passed your $1,000 limit. You're splitting things up in different categories, which are allowed to spend. Because you know your total pie that comes in on average, you need to budget out on average. Now, if you know you're going to have a lower month in the season, then you budget around that. If you know you're having a higher month, you can budget around that. I prefer the rest of the good savings, but yeah, stuff like that. It's better. Instead of like $100,000. But then I would like a weird and I would want to make an Excel spreadsheet and count it down and do all of that. And instead of just in my head, I'm like, did I hit $100 today? No, I didn't. Or I'll check my credit card because I do everything on my credit card. Well, except for the Venmo to my mom for the mortgage and stuff like that. But other than that, I just like, I'll check my-- OK, so maybe this is a little neurotic. But I have like a day planner, and sometimes I'll go through, and I'll be like, for each day and like the calendar, I'll be like, OK, here was $75, here's $40, here's $160, and then I'll just kind of like look back and in my head, I'll go like, plus 30, minus 20, plus 10, like that. That is the way to do it. I just wouldn't be surprised if that's adding extra stress that you don't necessarily think about. OK. All right, I'm willing for a new strategy. Budget apps, and there's a lot of them. There's a lot of good ones. OK. And I'm hoping one of them will sponsor me, but they haven't yet. Well, let me know who's going to be. they are and I'll say their name several times. But there's a lot of budgeting apps that will connect to all your accounts and it will show what's being spent in specific categories and then you can say what your limits are for each on a monthly basis and it'll tell you where you are and how high you recommend. That's a great way instead of having you get into that Excel spreadsheet life. Right. Not my favorite life. Yeah, because little chaotic right now, we're talking about you're doing it, but it's okay. Because in the general savings account we have $68,204. Yeah. Yeah. That's good. That's an emergency phone. That's a really good emergency phone. I think with what just spend, I'd probably have $30,000 minimum, maybe go towards $40,000 sustained you for six months never needing to get a single paycheck. Right. I think 30 to 40,000 would be great for you. So I think this is actually a little over that being said, you also take from here to pay for your taxes. Right. And because you're not organizing that in a specific way, I think this is okay. This is where we get a little more nuance with our financial behaviors. And we say, okay, so $40,000, that's what I need to survive. You put that in, I don't know what this is then, but you put that in a high yield savings account and something that's getting you close to even 4% today. So it's continuing to at least keep up with normal inflation. And it's only at that right now because interest rates are pretty high right now or on the climb. Okay. You leave that $40,000 and you never touch it. That's something for taxes, that's not used for anything unless an emergency happens. And then you can use it and then you rebuild it as quick as you can. Okay. And then the taxes, what I would do for this money that's coming in that isn't already taxed $30,000 or 30% of it. And you get to just sit in. Into a different savings account and separate them. Have two different savings accounts? Yeah. And you can do something like Ally Financial where there's different buckets you can put it in. So one savings account, but you can put them in different mini accounts within them. Oh, okay. It's a good way to do it. But again, we just want the emergency fund to separate because it's something we don't think about. It doesn't touch it. It doesn't touch it. Yeah. Unless something happens. And then we're saving up 30% on the side around that for taxes. Okay. I hadn't thought about doing two savings accounts before. Because one thing I don't want you to do is I don't want you to save too much. And then especially in all low-wheeled savings accounts, we're losing money with inflation. Right. No, that makes sense. Yeah. But last year, my financial goal was to combine all my retirement accounts into one single account and figure out where everything was so that it was actually doing something and not just sitting there. Sure. So I did that. But then I called the guy and I was like, "Hey, and this is a while back." And I was like, "Shut up, I put some of this extra money for my savings account into these things." And he was like, "Well, the market's actually going to turn. I wouldn't put anything in the market." When did you say that? I don't know. I think it was nine months ago, ten months ago. That's fine. I mean, typically the way I do it, this is non-efficial financial advice, it's only what I do because I don't give investing advice. What I do, mark it up, down, climbing, sinking, due to dollar cost averaging across the basis when you're putting money in, I put it on a consistent monthly basis. And then something like the S&P 500, taking advantage of that dollar cost averaging over the course of a decade, typically from the start to where it is now, the S&P 500 averages out, down, up, down, up, 10% gain. Oh, so maybe I should like look at doing something like that with my money? What I would personally do and what I'm doing now since the market is at a point where it's down, I am putting money in because this is going to be, as some way, if it continues to go down, this is definitely going to be considered a dip. Right. And I'd be getting in at a low point. Get a good point. Right, so then, oh no, that makes sense. Okay. I was on someone's stream the other day and I was talking about the S&P 500 and people thought I was, well, they don't know anything about finances. There wasn't a stream that was finances really. And they thought I was a lunatic for instead of putting money in at the peak of the market and putting everything in at the peak that I was putting money in when the market's slightly more volatile right now. And I'm like, what are you guys talking about? Right. Because it's going to make so much more money over the long term and turn instead of them where they were only putting money in at the peak and they refused to put money in at what will eventually be considered a dip. It was really weird. It was very weird. So, that's my mindset around that I hope that makes sense. But I want to make sure the money is just working for you. Well, we can look at the retirement accounts. Okay. The 401k. I might become a goat milker. Okay. The 401k, is this through that real estate rating position? So if that's the one, yes, this one is. Yeah. Okay. And you're getting 100% out. I max it out. Through the company match, you're getting 100% up to 3%, then 50%. I thought you were supposed to max it out. So I was just max it out. Sure. Why not? I mean, no, I mean, that's great. There's some, again, nuances to maximize. But what I cannot see in this, all the other ones I can see where they're going, this one I cannot see what your 401k is invested in. Oh, I have no idea. I have no clue. When did you set up this 401k? When I started working for them, it was just kind of like, do you want to set it up? And I clicked yes and walked through the steps. Did you click a fund of some kind? I think I clicked high because I was like, well, I'll just make some high risk, medium risk, low risk or something like that. Did I? And I just clicked high risk because I was like, well, I mean, why not? Okay. You don't access out. Oh, I don't. No, you put 5% in. You take the match. You take the match match. But you're not maxing out your 401k. Okay. Yeah. I read. Because 401k, you can put in a lot more on it. Should you? Well, again, there's nuances. And we can talk about that depending on what the rest of the situation looks like. All right. That's okay. I would like to know what they're in. But these other ones, we do know what they're in. Okay. So, I think that this might be a, is it a Roth IRA? Oh, okay. So, I think I have a traditional IRA and have a Roth IRA. Okay. And you think the one that's at 18,000 versus the one that's at 26,000 is Roth? No. I think the traditional IRA is the one that's like at 100 something. Oh. Then what's the difference between 26,000 and the 18,000? Unless are these questions? One might just be like assets that's being invested and then the other one is the Roth IRA. I think that's how that works. Okay. I should know more about my money. I feel like now. Like you're asking me these questions and I'm like, I don't know. Well these are both pretty similar. We have, it's spread across that out Jones, NAS, ECASB 500, AMX, interestingly enough, just a random company being company. Yeah. I don't like to do anything with this. I would, you said you're 45? Yeah. I mean, I probably would switch getting a little more into the bonds game maybe in my 50s and 60s. Okay. Make it a little, over a risk throughout retirement. Is an option that's something that a lot of people talk about. The money guys show they talk about that and that's. So all the retirement I have is cashed out by my ex-husband. So this is me starting over from scratch. Did you sue him? He can't just do that. Can I mean, yeah, he can. - No, no. - He cast it all out. - Well in the settlement and the divorce. What was agreed upon? - Well, it was done before the divorce. - Did you ever talk to a lawyer about that? - Oh yeah, yeah. I spent a lot of money on lawyers. There's nothing I could do about it. - How much was it? - $250,000? - Yeah, thank. - When was the divorce? - About 10 years ago. To the 2015, it became final? - Yeah, and that probably would've been like 500,000 today, maybe, something like that? - Yeah, yeah. I didn't have to pay the taxes on it coming out, so that was good. Yeah, so those kinds of things are gonna set aside, and then I had saved a bunch of money, and then it, some of it got stolen, so then-- - So then how, from mine or from what? - So I was stolen. - Like cash from my house. I was like saving money, and I had some cash in the house. - That's why we don't do cash. Well, how much was stolen? - Yeah, I know, I know, super, I really don't, I don't wanna tell you, 'cause it's super embarrassing. - Rage? - 50,000? - Oh, yeah. - It's a lot of money. - Yeah, we don't do that. - No, no, it was super stupid, and I, like I blame myself a lot for it, but at the same time, I thought that I was safe in my own home, and I was helping out. Yeah. So that has happened over the last couple of years, so I just feel like I've taken several hits in the last 10 years that have made me feel really financially stressed, and so I don't really, like when I look at this, I'm like, okay, yeah, I mean, it seems really nice, but like, I guess I just have like all these fears of like what happens, this isn't actually that much. - Yeah, I'm definitely understanding the little more now when you said, you're anxious about retirement. - Yeah. - I understand it. So, we don't know which one's the Roth specifically, or which one's just a brokerage, but again, you think this one, the 26,000 is the Roth? It doesn't say either of them. - Yeah, I don't know. - But either way. I think that this one, wait, let's see, what's the initial, maybe if I knew what the initial value was, I might be able to figure it out. But I don't know I don't know Oh prior and I'm not touching any of this is kind of like my my thoughts I don't I don't touch it. I just put money into it So yeah, and then again the other accounts of the 18,000 on account 26,000 dollar account third distributed into different things Like the Dow Jones and that's that doesn't be 500 amx and then a few treasuries as well Pretty much the same on both so okay cool If those were your only two accounts I would definitely be concerned at 45, but we'll look at your larger account now. Yeah, I don't Larger ask Larger All right, so this one you said is your traditional IRA? Yes Okay, so was it rolled up from like a previous 401k? Yeah, there are a whole bunch of different ones like from different places that I had worked and They were kind of like oh, we've got one with I and G And you've got one with this person over here and one over there and so I just was like okay Let's just put all into one big thing instead of letting it just sit somewhere rotting. Yeah, okay, that makes sense and then this again your distribution into different funds Pretty it's again exactly the same Dow Jones NASDAQ SB 500 amx 30 or treasury 10 year treasury So okay, and this one's sitting at 103 51 of course all these accounts are taking a little bit of who that's okay up down worrying about it right now okay It's not coming out right you probably won't retire for 20 years, right? I don't know when do you want retire? I don't know that I ever really want to retire. I actually really like working so but I mean like so I don't know When do you well eventually Distributions will be required to take out but when do you plan on with drawing from these accounts? I guess I should say I guess when I need them that sounds like a really like try it answer But I mean I'm thinking like oh okay if I have like some kind of medical issue when I get older but like you have a health savings account All no, okay, yeah, okay, do I need a fine? It's not it's if it's offered through your work I mean it's a oh yeah, so tech and tax advantage accounts a good way to take care of medical expenses But it's not my it's not a glaring error by in your like I'm not freaking out about it, but since you said that specifically Yeah, no, I just like I actually have never even thought about that question. I just like I'm like okay Well, we'll just go until we go and then we'll see how it goes I guess I would probably try to figure that out It's been so long since I haven't had four kids that I'm sort of like I don't know what happens after they leave the house And like what expenses look like and you know you hope everyone's employed and you know, maybe they can Survive on their own One hopes so I don't even know what like life looks like in 15 years so sure my plan is Figure it out in 15 years which Isn't always best. Well we'll get to some planning and again We're gonna loop back to things but we have one more thing to go through a debt I do not know what this debt is for has an overall balance of $5,281 with a minimum worth of payment of 921 dollars. What is this? Okay, that's my car. It's a vehicle. What's the interest rate on this? I don't know You ask me these questions. I have no idea. It's important to know Oh, no vehicle loan. Okay, they have credit karma on your phone Okay, so the vehicle loan that I got for this was when my ex husband trashed my credit and they would they were the only people who would give A loan for anything. Oh, it's probably absolutely wretched and they were like well You've never missed a payment on a car. So we'll give you a loan I put a bunch of money down on it and then I pay three hundred dollars a month. What's the car? It's a Dodge Durango. Yeah 2000 I was forget it this I think it's 14 2014. Okay Do you have credit karma downloaded on your phone? No, we'll get you down later. Okay. Yeah, that's a 31 Nice. Yeah, that feels good. That's like the three almost 400 points higher than it was like eight years ago After he trashed you. Yeah, absolutely. Come and make it a comeback In history 100% good credit card use. Okay, so everything's falling off good good good total accounts 23 I yeah still okay, you're gonna look at me like that. I have no idea But I know some of the accounts that he didn't take me off of or still on there Number one that you say you don't use the census $3,670 on there. Okay Yeah Go on. So I let my partner use my credit card. So he's paying that one off. That's not on my debt. Yeah, he has paying it off Yeah, he has paying it off totally or yeah It's totally all his charging No, like is he paying it off like we're gonna pay it off in a few months or we're paying it off like this month Well, you'd like to pay it off this month all of it But it's gonna give me about a thousand dollars a month to pay it off Why don't you just pay it off and have some pay you back Because the interest rate oh yeah, no interest rates crazy. It's like 40 bucks a month. Yeah, technically. It's hitting your credit Oh Well, it's only 19% utilization so the good news is it's okay I saw 3670. I was like okay, that's probably relatively high utilization compared to normal So that would hurt the credit no not not paying on it and not the interest of current um But it's 19% so it is below the 30 okay, well it's fine if you want to do this one. Hopefully in the next two months It's paid off is kind of the idea so Uh, okay, if not if not then I'll know to pay it and and do it a different way. Yeah Okay, so here's the car 58% paid off or 68% sorry Okay, so it's a 73 month term which I hate yeah, well, I had zero options when it came to the car. Yeah Um, typically sometimes I can have to cry just to get him to give me a loan I mean sort of kidding Sometimes it can guess on here and quite accurately what the interest rate is and that was my Curiosity, okay, how far off were you? It's not guessing is the hard part I don't know I'm still assuming it's bad. Yeah, I would make that assumption. I think you're correct Okay, then we can talk about what I would do a lot of the other accounts are just close accounts So never mind. Yeah, it was not crazy. Okay. It was those old accounts So let's do a couple things here this retirement account because we definitely need to talk about retirement Okay, that's one of your large anxieties. We have one oh three seven five one and one we have 26 169 and another and we have What's it 18 oh, and I just put in six more in December I put my full six in for the year and my traditional good I put in traditional because they told me I could um, I could write it off on my taxes that way instead of putting into the Roth and I can't write it off So this year I chose to do traditional rather than Roth And that's fine if you're earlier in life. I'll be like just do Roth and I know but I'm not I spring chicken anymore My 45's not old. No, it's not spring though. It's definitely a summer. Okay. Yeah. Yeah. Okay. I'm a summer chicken I can buy it with that okay, and oh the car the car so the car I put it somewhere now. I'm getting lost in all the paper Look car is Oh, what have I done We have just about 70,000 dollars sitting savings right? Yeah, yeah about that 68. Yeah, 68 70 Where it is okay? I like set a savings goal every year and I'm like this year. I'm gonna save 30,000 dollars or this year I'm gonna save you know 25,000 dollars Okay, so Big picture here's the goals. Okay, not a fish financial best. What I would do if I were in your shoes You have a pay off amount on your car of Five thousand two hundred ninety Jim yeah The moment I get home I'd open up the computer. I go to the pay off amount and be like okay pay off From the savings okay for real because like yes, I have sometimes Thought like okay, is it worth it? It's building my credit right to pay it every month So I've been doing that and then I was like what am I actually gonna save an interest because I'm really not paying that much interest anymore Because it's the end of the The loan does that make sense? You're in the second half of it So my so those were my thoughts. I mean that was my rationale that I was like 30 dollars an interest a month right now currently. Oh, okay times 12 that gives me what like 30 $360 a year and it sure does help yes, and it sure does help with the building the credit as well so there's a few things what I would I would still I would still do it because I don't like to One the car is a little older at this point. It is So I wouldn't want to have debt on a depreciating asset that is could be entering in its later years It's definitely not a spring chicken. Yeah, you never know with the car and I'm not a car person So I definitely can't say for sure, okay, but I wouldn't want to have debt on that It's just an easier situation if something were to happen to it You know, okay, so at this point it maybe it's not worth holding on to to build the credit because Maybe not what I would extra do to confirm So I would just go and check out what that interest rate is again. You're right. You did mostly pay the interest But okay, and if that is the case even still Now that you're entering the more principal area or so, you know, 30 dollars an interest is what you're paying on Yeah, I hate paying interest. It makes me angry Makes me super mad and it would be great especially as child support payments starts to decrease that That's a good point. Bill's gone. Okay. Yeah. No, no, that makes sense in your savings is even if it Even if we weren't even thinking about the credit and even if This was a zero interest loan at this point because your savings is just Add a really good place and we're anxious about retirement and monthly bills and all that stuff Then with the 70,000 hours, I'd cut five out of it and the car's gone - Car is owned. - Okay. - Yeah. - And one thing we can do-- - No, that makes sense. That makes sense. Some more I'm thinking about it. Yeah, okay. That frees up another 300 a month, which then when the child support goes down, I've been really concerned about like, okay, how am I gonna make all the ends meet? I mean, one child doesn't eat $800 worth of food a month, you know, so. - Sure. - And I'm gonna help them while they're in college. So then there's more money coming out and less coming in. - And I still wanna talk about that. Oh, good. This, the one thing you can do with the $300, you can then pretend like-- - It doesn't exist and put it in the-- - You can take the $300 and maybe put it into a third savings bucket. And you can sense your car is-- - It's not old. It's not old. It's just not a new car either. - We're both summer chickens. - I don't know. (laughing) I don't know that car in the longevity that car how many miles does it have? - 136,000. - I would start putting the $300 into another bucket and that's your car fund. And then when your car either has a repair that's not worth it for the car or it just breaks. - Okay. - Then-- - So I've been really lucky because my partner is mechanic. Like he is mechanical skills. And so he's really good at fixing car things and doing stuff like that. So that has been super helpful and saved us a lot of money. - Mm-hmm. - So. - 'Cause eventually what will happen is, you know, a repair will be too expensive for it in a little break. And then hopefully your car fund at that point that you're saving $300 a month for you can use that to get a car. - Cash. Not to put down. - Oh. - There's no more need to borrow at this point in your life. - Well, I'm really ready to like, you know, get a smaller car too. - Okay. Yeah. - Well then you definitely can and we're gonna aim to get it in cash because as you are heading in the years of really trying to maximize your retirement, well this does not have a monthly bill, especially a monthly bill where again, at the beginning it's all going to interest and not principal. And as we just want less payments possible as some of the income starts to go away. - Okay. - So they want to be putting money in places. So that's what I would do when it comes to the car. I'd get rid of it. Start saving up. You can even do more than 300 if you want a month. It doesn't matter. - Something, as long as there's something there to. - Something that's actually moving a needle. You know, if it's a few bucks, it's like what's the point? - Right, fair enough. - The savings, we already talked about that, 40,000 in a high yield. And then since tax season's coming up, probably the rest of it besides what you put on the car. - Yeah, I should probably just keep that there until I know. - Not in the emergency fund, but in a separate bucket for taxes. - Right. - Starting now, we're putting 30% aside into that bucket for taxes in the future. - Yes. - Yeah. - Well, with the dependence, that helps. I've never, I haven't really been super great at figuring out my taxes. - Well, sit down with the CPA. It's worth like 500 bucks to just get it all figured out. - Okay. - You'll probably save more in the long run than that $500 initial investment. So that is very worth it. - All right. - Now you talk about, we'll get the retirement. I wanna touch the college sink first. - Okay. - Is there a college fund? - Oh, okay. So this is really weird. So maybe I started a college fund for my kids when we lived in Virginia. It's like a 529 savings plan. And I put $30 in for them. And now they have $33. It's very exciting. So I have $33 save for them, which would buy them all of, I think some pens, but I'm not sure. - Maybe. - Maybe. - It would have bought this single pack. - Right, they'll just have to keep up with the pen. But, and here's, okay, so I know think that my parents have some kind of college savings for my kids, but they've never told me about it. Other than saying we have a college savings, and then they tell my kids that they have a college savings, but I'm not sure if they're actually contributing or not. - Is someone's graduating this? - Yeah, this year. - In like, yeah. - What are their college plans? What have they talked about? - MIT. - Have they got accepted? - Harvard? No, but they got deferred. They went early action and they got deferred for regular action, so that's super exciting, 'cause you know, not a no is awesome. - You and I are gonna like my thoughts on this. - Oh, it's a 3.9 acceptance rate. - He's not gonna like it either, or she and her. - No, then, yeah, both. - Yeah, okay. - So, so Harvard, Yale, Stanford, kind of your Ivy Leagues, their fallback is UT, so that's really great. Because of the income. - The fallback is what they should go to either way. - No, I agree. - And if they don't listen, then maybe you don't pick. - Well, here's kind of the neat thing, is that all of those Ivy Leagues schools because of my income level have free tuition. - Okay, that is a different story. - So, now I'm like, okay, yeah, right on applied all of them. - I'm like, 100% guaranteed? - Yeah, it's all need-based. And if you make under $100,000 a year, then it's free. - Yeah, they do have ridiculous endowment, so. - Yeah, no, it's fantastic. It's like applied all of them. - Out of state. - Yep, mm-hmm. - Cool. - So if you get free, yeah. - So I was like, all right, yeah, no, that's great. - Then I'm happy about that, yeah, that makes sense. - Gather through your different story though. 'Cause the other three have their father's income to deal with. The older one, all same dad, but the older one was thrown out of the house when they were 11. - What were the ages again? - 17, 14, 13, 11. - Okay. - Yeah. I told them they're gonna have to marry Rich. I'm just kidding. - Okay, if they get free college. - Well, one of them, yeah, one of them. - Yeah, 17, yeah. Crossing my fingers, and they have the grades for it, and they have the scores, so. - And then if not, and if they go to UT, and it's not free, they're applying to every single scholarship. - Yes, 100%. - 100%. - Yeah, very cool. - Yeah, and all of them are applying to scholarships. - Good, one thing I would do tonight is ring up the parents, hey, someone's about the grade. - I did get a little more insight. - Yeah, that's probably a good idea. - 'Cause that changes the whole conversation. - Yeah, I think of it. You know, honestly, it just felt like a really awkward conversation to have to be like, hey, just calling to see how much you're giving a kid for college. - Well, you frame it a little different. You're like, hey, I am planning out what I'm gonna do to support them throughout college. And, you know, different college funds. I just, you've mentioned this in the past. I just wanna know kind of what that picture looks like, so we can incorporate that into my planning and stuff like that. - I think you need to send me a copy of the recording so I can just write that down, and like, read it off of me's a favor. - Oh, you can send this down to me as well. - Yeah. - I'll be like, hey, just check that out, we need to talk. - So that's really cool, and I hope they get every council, I'm rooting for that as well. - Yeah, me too. - The 14, I could see a point where no matter what the 11 year old does that you could have their tuition paid for if you really wanted to. I think so, we could get to that point. - Okay, I'm open. - Not to anywhere. - Well, no. - But like, no. - Two years of community, and then two years at Texas State. - Yeah, okay. - Well, I mean, I've always told them, hey, all their grades are high, they're all straight-A students. They do a wonderful job, they participate in sports and clubs and things like that, and all their own motivation. So, which is awesome. And I just was like, hey, there's lots of scholarships out there. You gotta take advantage, so. - Well, that's great, then heck yeah, as much free stuff they can wrap up. - Yeah, no, that's great. - I love for them to get out without any debt. - Yeah, it's exactly, 'cause that was the main part of the conversation that I was gonna go into, but it's just changed from, you know, all that we just learned in the past few minutes. So that's great. I think as long as you agree with what they're doing and they're doing in college, any financial support you want to, that's fine. I want your diversion to be into retirement, 'cause it's gonna be a little different. So there's a couple different ways to look at this. There is the, you can divert some of what you need to retire comfortably into paying for college if necessary, you know, and like, we don't know. It sounds like, you know, maybe that's not a good idea. - Maybe, I'm not sure. - Sure, yeah. - But you could do that, however, that diverts some retirement. So what that ends up happening though, it might feel good for them in the moment, I'm not having to work or anything during college. It will put a burden on them later because you won't be able to retire. That puts a burden on kids. - Right, and they're gonna have to take care of me. - So I almost prefer, if, let's say, college isn't fully taken care of, that they find ways to work through college and everything else. - Oh no, I think they should work through college. - They should, and pay for it, while you're focusing on your retirement because when they're trying to build their careers at some point and trying to build their families, they're not gonna have to worry about taking care of mom. - Yeah. - They will thank me later for not helping them. - Yeah. - Yeah. - Exactly, so, if the context is put out there, they understand. - I mean, ultimately, I just wanna be able to, like, if my kids fall on hard times, or they need help that I have something there and I can be like, hey, okay, don't worry. I can give you half your rent this month, you're okay, life's not gonna fall apart. - Also teach them the importance of an emergency fund. - Yes, yes. - And then they, that's something. - We have actually already opened up accounts with them. So they actually have their own bank accounts and things like that, so that's cool. - Yeah, they should never have to rely on you, but if you want to help, that's okay. - It's a parental thing. You just wanna, like, hold those baby birds in a big nest and make sure they're okay. - And as your money, you can do whatever you want with it. - Yeah, I mean. - We just don't want them to have to, right? - Right. - No. - Yeah. - Yeah, if they have to, they gotta come live back at home. - Yeah. - And nobody wants to do that. I know I tried that for a year. - I've done it. - I did. - Again, I'm pretty comfortable with where, well, I wouldn't say I'm comfortable with college, but I think things are gonna work out on having that vibe. - Okay. - With them. - And then-- - I feel better than the magic eight ball. - Sure. - Yeah. - If they can't, if they don't get into a college, it's free. If they're not getting all these scholarships, then be like, okay, I will support you, but if you go to community college. - Right, no, no, no. Two years community college, get your basics down and then move on. - Yeah, but not like, don't like, be like, I'll support you no matter what. Like, if you go to the sixth semester, it's cool ever. - The other three's father will help them too. - Oh, okay. - Well, you know for a fact? - No, but I mean, to make the assumption, that's not a great assumption and given our history, but-- - Yeah, I was gonna say, I heard it before. - I was like, but, I mean, he really loves his children, and that's really important. - Good. - Yeah. - Okay. Well, Hopefully you save enough for that thing because that's also I have no idea So and I don't think he's spoken to me in eight years really yeah What do you think you need to retire in 20 years if you just tired? I mean if you want what do I really think I need? Annual basis how much money do you need on an annual basis? Oh, that's a good question Okay, so maybe I need like 50,000 a year. I mean is my house paid for those are the questions is my house paid for You know how much is remaining on your home? How many years? Maybe you said he got it 10 years ago. Okay, so how's the house should be paid for I think we got a 20 year 20 year mortgage Does that sound standard 15 or 15 or 30? Oh 15 or 30? Oh, okay, so not 20 Maybe 30 then probably a 30 year. Okay, but I mean the other plan is to like make that extra mortgage payment every year Just to principle just one extra And then I thought there is not like whole thing where if you make one extra payment to your principle It's not gonna It takes like change the overall years off your mortgage I guess I don't know the matter one extra payment. I don't know Maybe I read that a long time ago. I don't know Okay, I don't know what most people need like if it's just you it's like a person No, that's like I'm thinking like 50,000 a year seems pretty 50,000 a year in today's money and today's worth it. Yeah, and today's worth of the dollar I mean that seems like I could live off of that. Maybe I'm not like taking expensive trips to Europe or anything But like I mean I really eat that much and Both my dogs will be gone by then I don't say that We just don't talk about that. Okay, so I'm guessing I need two and a half million dollars I'm seeing about two million. Okay, you'll be able to pull off like three percent ish No, well, we're gonna talk about compound growth and how to get there So right now with where your account is at now and what you're invested in in Today's well two million in today's money to be clear. Yeah, so that's what I'm doing the math off of Let's see how much you're down to invest on a monthly basis. Oh no The number's getting a little high. Yeah, I think I have to invest like 27 2800 a month to make it to that Make that about 3400 what no to make it into days money Today's money for how many years 20 years 20 years. Yeah 10 years with what you're Invest in taking those things out. I'm giving you an average rate of return of 8 percent and taking an account inflation for the value of money Okay, I mean yeah, so what it'll actually be probably Probably ish around probably 2.7 million in future money in 20 years, but we're talking inflation. Okay. All right Yes And such a clear security we don't want to rely on that person's like I need to get another job Not necessarily. Okay, that's good. I mean, I think I could probably save like 2000 a month Well, depends how much you want to be able to if you want to return Okay, be able to return. Yeah, I'm feeling like ramen. That'll get you six free. Well, that'll be 60,000 So it's a little less to be 50, but I was just doing some rounding up. Now. I'm starting to feel nervous again like I should put in my goat milking application soon So right now that'd be saving 48% of your money not Including the child support so take away child support and this is 48% if you did what we talked about Um 30 400 okay, which is a big percentage to save okay. Yeah. No, no, no, it makes me feel little um Little warm. Yeah This is why it's we always talk about Starting investing early and of course you went to the horrible thing, but just for example for the audience The best years of time you would just want the years of compound growth and you're only if we're talking 65 I'm gonna be able to take advantage of only 20 years of compound growth and that's annoying That's annoying for you But that is okay. Well, I only talk about what I would do. I would understand that You know understand the math around that the way we've laid it out and I would do it because I have to do it. Yeah, so I would just is what it is luckily with your child support You know we're talking and this is gonna bring it closer to like 35% of your income and that's not a terrible percentage of something 35 of post tax Okay, okay, no, I feel like it's doable. It is. Yeah That's where the monthly budget comes in if you know here's the pie of money I have Divi it out we have a minimum four thousand four hundred dollars that we're putting into brokerage No, we're maxing out Roth IRA every year Or your traditional IRA and where you know you can max out well because the 401k tax advantage You know probably tried to get as much of it in there as well. So that'll be pulled from your three thousand dollar paycheck as well Some of it there and then The rest you can put into the brokerage. So you'll just have the math at out and you can sit down with the financial advisor Then okay, um math at out in terms of where it's best to take from So but as much as we can take to put into your 401k as well first is a way to go Yeah, versus putting in a broker to the rest will be put into like a savings account right no Yeah, okay, no because that will just even if it's a high yield will only be garnered 3% We're at least growing at 8% this money has to grow at 8% to meet the goals we want okay In in this 3400 dollars, but also keep that savings bucket Yeah, not put it over there and then take it out if I need no What we already have for the emergency fund is fine and then we're saving up for the car and we're saving up for the Okay, yeah, one thing you can do and I wouldn't necessarily do it this way If you know what car is getting older, but if a car breaks down you can just use the emergency fund to pay for like a 20,000-dollar car and cash and then just An emergency save up as much money as possible to rebuild it to 30-40,000 dollars. Okay Yeah So let's up to you how you want to go about it. I would rather have a car fund if I know the status of my car So it's just again this will come down to budget Where is the money allocated and we're sticking to the strict rules that you set out for yourself right then you could put 3400 dollars a month I think on this now once all child support is gone Which is actually going to be a while because the youngest is 11 and then 13 above that Right, so I have you know, I have five years. Yeah until it's really We can take a look at making sure that those side hustles for the writing you know go from 4000 or go from 3000 an average of 4,000 to 5,000 on average anything like that helps if you're so I get much more comfortable at the 2700 starts being replaced Through the writing. Through other things. Okay. Yeah. No, that's definitely been a concern But oh and again, but my time will also free up and I'll have more time to like work when you don't have to Take care of four kids right absolutely. Yeah, so the thing is coming to the end of this My thoughts on this in terms of your anxiety. I think a lot of the anxiety is Just you don't know Yeah, just you don't know what retirement looks like we don't know if we're going to afford the home We don't know about paying for college. We don't know where our budget is so these the more you construct to these things Having this concrete budget knowing what we're saving to meet a retirement goal which we can hit if you put that money aside It gets rid of these anxieties and I think you can you'll be in a good place I think you're in an okay place now. I think we get to a good place by just structuring some of this out Okay, okay. Well that makes me feel better. Yeah, sort of Now just takes the step of actually doing it right yeah, yeah No, now it's just kind of like like you said like kind of figuring out to Think about it from a different perspective than I've been coming from And be like oh, okay. How do I maximize and make everything work? Absolutely and you can sit down with whoever your representative is at this investing platform I'm not sure that who that is as well Um, and if they suck then I would transfer to someone who doesn't suck No, I like the guy so far so good. Yeah, yeah, he's been really nice so cool And make sure that you're trying to at least get something that averages out on a 10-year average of at least eight percent I would try to go for that 10 percent which I don't like having everything Only in one thing but the S&P 500 on average gives you that 10 percent just over 10 percent on average. Okay, so That's that's where you stand in my shoes. I think you have a good path forward Just kind of down to discipline structuring things and stuff like that. Okay. What are your final thoughts? Well, I'm feeling better. I'm feeling a little better. I mean the fear that known is just so hard like you're just like Well, what does life look like later? And I think that's something that's been causing me like a lot of anxiety So this makes me feel better knowing like hey, it is possible. It's gonna take a little bit more elbow work And that's okay. I don't mind a little bit more work But knowing like oh, okay, having that number in my head and being like okay Let's try to get that into an account because it's gonna be better later will be um that makes me feel better Just like okay, I got a goal. I can hit it Again and again and again For Brook her overall financial position is pretty okay pretty middle of the road That debt situation she's gonna take care of it today then debt for you except for the house So that's really good she seems to save a little more for retirement to kind of catch up with the money being stolen and everything like that So right now hammer financial score six out of ten but it will quickly be a seven and an eight if not a nine then the ten and the coming years Make sure to check out all the fun links in the description including my twitter and instagram. Don't forget to subscribe. Thanks