He Came Here To Fight Me | Financial Audit

And you need them to survive. One time purchases and you need them to survive. One time purchases and you need them to survive. One time purchases to survive that are not going to be made in 2025. Doesn't matter. You needed them to survive. So our spending Hey, how about we go into the finances and look what we can fix. Here's a fix. Don't spend $120,000 in a year, you dumb. What the do you mean? Do you feel any kind of Resentment here? I don't think I would have ever married her. Download my budgeting app today

and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. Hi, my name is Lady. I'm 26 years old. Hi, my name is Manny. I'm 28 years old and we're from Pittsburgh, Pennsylvania. And this is the financial audit. The financial audit right here. Thanks for coming, Austin. What do we do for a living? Let's start with lady cuz lady's in front of me. It's

an interesting fake name we've assigned you. Like why the aren't you guy? I I don't know. Um I don't know. You look like someone named guy. Well, okay. What do you do, lady? Uh I'm unemployed, so I'm just home all the time. All right. Yep. Guy. So I am Currently a substitute teacher. Um my local How the are you guys living? No offense. Like I don't even need to ask the wage for that. I know it's not much. How the are you living? You also look like a substitute teacher. I know. So this is like

Okay. So you go in, you put a little DVD into a machine and they can just sit and go to sleep while you're there. You babysit. I wish. Um so unless you're a perma sub. Are you perma subs? We're in every day. Um currently I'm Teaching 8th grade integrated science. Our principal had medical emergencies. So the eighth grade science teacher is now the principal. So we kind of all stepped up positions. It's still the same pay, but tell me what you're making. Um, so it's 175 a day. It's daily pay. Um, it averages to about

23 and some change an hour. Okay. What hits your account on a monthly basis if the weeks are full? Because we don't get paid for like days school's closed or Like spring break or anything. Um, it's 1,400 even every two weeks. Oh, every two weeks. Every two weeks. So, yeah. 2,800 a month if school's open, but it is not always and there's like three months where it's definitely not correct. Like this paycheck is only six days, so it's going to be rough. Why? Spring break took March. Spring break was Friday and Monday and then being

here missed uh two days. So, but I do also have a second job. Why are you Unemployed? Um I am uh I'm an I am an immigrant. Yeah, you are. I hear the accent now. Okay, hold on. Yeah. So, uh I'm currently trying to get my You guys married? Yes. Yeah, we are. How long have you guys been together? Uh since May, uh sorry, June 2022. Yeah, we've been married for about a year and a half. September of 23. We got married in a year. Yeah. Yeah. A little over a year. Yep. Little quick, but

very happy. Yeah. Okay. Yeah. Where are you from? Uh, I'm from Zambia, but I am Somali from Zambia in Africa. Were you guys on a different show on TLC before this? No. No. 90day Fiance. No. Um, she was over here for school and we met on a dating app and that's kind of what kicked it off. Yeah. Mhm. Okay. So, how long until you get this work visa? Um, I applied for it. Uh, I had One and then it expired in August of 2024. What were you doing? Uh, I was working in customs service. Okay.

But that's that is money and we need money in Pittsburgh. Cost of living area, edge of the rust belt. Okay. Yeah. Not horribly the most expensive. But substitute, you know, pay with all the time like what the what the do you do in the summer? So my second job that I work at Yeah. that I work with concurrent with uh school is at CVS in concurrent With school. Yes. Oh wait, no working at school. Not being in school. Well, I'm also in school in school. What are you in school for? To get my teaching degree

for my masters. Oh, thank masters. Why master? Why are you substitute? What's your bachelor's in? UX design. So I did an online UX that makes money. As soon as I graduated um is when CO really hit and everyone got laid off. So CO really hit. That's when [ __ ] tech hiring went crazy. After a couple months after Like 6 months into co you could have got any job youing wanted. I wish I applied to over 200 US and you probably sucked at your applications. Maybe I did try. You didn't have experience for what it's

worth. But they now engineers where they were like let's overhire. Let's pay whatever is necessary to get them like right in the middle of COVID. And that is not the case anymore. And it's really hard for a lot of people. But yeah, UX I I get it. It probably wasn't as crazy, But I you had to have some kind of opportunity. Like there's a certain part where it was probably your interview or resume skills. Well, the problem is getting the interview. So, um then it was your resume skills. Yeah. Getting the experience to even get

like a resume. You would have had to do some contracting jobs. Step in the door, dude. I I try. It's so difficult. Yes, I did. It's so difficult to get anything UX even with like I had a portfolio Website that had like my school project and stuff on it. It wasn't good. No offense, I'm hiring people right now, but every time I school see a school project, it looks like a school project and Iinging run away. I would rather almost have no experience than school projects. I had a good mentor who was um he was

head of UX at BNY Melon. Um so he was local in Pittsburgh cuz we have a BNY Melon like building there. Um and he tried to help me out with portfolio and Everything. So I took his tips and everything and still just I couldn't get anything. Um, and so to get money, um, like right when we started dating, I think, um, UX design, right? Yes. Um, my sister is a full-time teacher up at the like elementary school. Um, and she said, you know, I'd make more money there than what I was doing working at CVS.

Um, so I kind of have been there for like 2 years, realized I enjoyed teaching. Um, so I started to go back And get my masters. So, which I vibe with. I wanted to be a teacher for the longest time. That's why I like making the educational things that we do. Yeah. And it's it's really fun. I enjoy it. Uh my last two classes finish up in like 2 weeks. I do have my student teaching and my practice to pass. Um so hopefully by December of this year, I'll be fully certified and able to start

making actual salary. Uh we see about 16,500 job openings Projected each year for web developers and digital designers over the decade. Over the decade, sorry, but each year uh for the remainder of the decade. And we're expecting about Bureau of Labor Statistics is projecting an 8% growth employment for web developers and digital designers from 2023 to 2033. Now AI is throwing a wrench in some things, but that was not as much of a case when you were doing that. I really think you probably just had skill issue, dude. Skill like resume issue. It it's fully

possible. Well, I don't think if you were applying to that many and you weren't getting an interview, I think I think that's Yeah, you would have gotten some interviews, buddy. Yeah. Um, I definitely didn't put my best foot forward like in school. Uh, didn't try as hard as I should have. Were you putting your uh were you were you putting your GPA Oh, my on your resume? So, uh yeah, my GPA I graduated um from My college I want to say with like a 35 36. Did you put that in your resume? Yes. Why? Uh,

who cares? Just say you have the degree. Uh, because I was told by that guy at BNY Melon that he does look at GPA and then you didn't get hired. Correct. Or interviews. Correct. So maybe we're not listening to him. I I think he was okay, but I also learned like he didn't get any job interviews. I'm perfectly fine with the fact that now that I have a bachelor's, that's Kind of useless. Um, as long as I get my masters, I'm happy teaching. The problem is like So teaching in what? What do you want to

teach? Math. Um, so I really enjoy teaching kind of like 9th, 10th grade level math. Kind of like algebra 1, algebra 2, geometry, that sort of thing. But they're telling me you guys are thinking of moving to Zambia eventually. Yeah, I'm pretty good at geography, but I don't think I can point to Zambia. Well, I'm here. So, I can point to Somalia. Oh, Zambia is south down south. So, there's like there's a lot south. There's like South Africa. Uh, okay. That's very far from Somalia. Okay. Yeah, I don't we don't need a we're not this

isn't geography audit. Okay, but if we're looking at getting a master's degree in math and we're talking about moving to Zambia, what the [ __ ] are we doing? What is going on? So, um as far as moving goes, all of my family lives Within about 10 minutes of each other. Um, so until I always said till my parents, you know, when they get older and they kind of pass away. Uh, it sounds morbid, but I kind of want to stay close to my family until, you know, everyone Then what is this talk of moving

to Zambia? After they How long is that? Is my parents right now are both about 60. So wait, this is Okay, so we're talking like 20 years from now, maybe. Like why Why the are we talking about this? Uh because obviously if I get a teaching degree now and I move to Zambia and we want to live somewhere where the GDP per capita is $1,300. Yeah. So it's kind of like okay so if we're moving to Zambia obviously her family's over there that's where she's from. But getting out of like our American debt um the

conversion is about a couple escaping from their American debt from their own pay. Also 20 years 20 years until you can even go. 20 years is 20 years. I mean, we're not 20 years of debt. Yeah. But at the same time, when she gets a job, if her work visa ever comes, um the currency conversion to her country is about 28 to1. Um so what we make over here, when we can get out of debt, if we can save up, even like a year or two's worth of salary, we're rich over there. Uh yeah, but

that's if you can save up and you pay off your debt, that is so many ifs. And if you're on this show, you probably Yourself, correct? So I don't know what we're talking about. Plus, you're just going to be a math teacher anyway. It's not like you're going to be going like crazy. True. Um, but also my teaching degree from here, I can also teach over their math because their native their native language is English. The average salary. Yes. But like I said, paying off our debt here then allows us to save and use that

American if you do it. But you're on this show, meaning you've done Literally the opposite. But it's not an if we pay off for debt. It's a when. It's going to happen. No. I've seen people on this show in their 60s. I think even one or two in their 70s. That is not a win. It you can go tell death. This is aing America, buddy. Consumerism to the tit. You're going toinging stack it all up until you die. You don't think that this doesn't just change with age. It's changing with behavior. You're not changing behavior.

It is not a win Thing. It is not a mathematical equation in your sense. This is you having to actually put in the action. But a big problem with like why we are in debt is because of her work issues, her work visa. If she was making a decent salary right now, 161 17 bucks an hour, even if she was making the $30,000, we would be able to get out of our debt much much easier. Maybe not, you know, perfectly, but much less than 20 years. I think the main reason that You're in debt is

you make 2,800 because you are being a substitute teacher instead of actually trying to figure something out and even working another job, you know, a better job, which you totally can. and you're in the age range where you're in like getting close to prime earning, you have a lot of opportunities. And then you spend $3,600. So in a month, $3,600 in a month. Yes. By the income that you are choosing, which is not always that high Because you want to do this. You're choosing to. It's not just cuz she doesn't have a job. I think

we should get you a job. It's not allowed. Yeah, I know. And that would be great if we can get there, but that is not the sole reason. You're using it as an excuse instead of you actuallying up a little. So come December when I can get hired as a teacher. Step one pays $48,000 a year with a master's degree. Math helps, which is 13,000 more than I'm making now. Yeah, let's get a degree to make 48,000. So starting by step 20, if I stay teaching for 20 years, that's about $98,000 a year. Oh, buddy.

Listen, in our generation, because we're pretty close in age, the average is we leave jobs in 2.5 years. Yeah. I don't think that's ne a lot of people that get in teaching, they stay in teaching, you got the the, you know, a lot of the government benefits. I'm not saying That's 100% you, but to just bank on 20 years with what our generation is known for. I don't know, man. I thoroughly enjoy teaching, so I plan on staying. I bet. You don't know what's going to happen with what you're interested in, the school you're interested

in. Maybe you're not actually that good, you know, once you're in the classroom and dedicated full-time. Like, who even knows? You're banking on a lot. I am Banking on a lot, but at the same time, if I bank on nothing, then I might as well just sit around and do nothing. How much does a UX designer make at 20 years? Uh, probably well over 100,000 a year. Mhm. Right. But at the same time, with teaching, I also do work a second job. I do enjoy the quality of life of, hey, I get out of school

and I'm done working. by 3:30. Um, grade some stuff over the weekend. So, I enjoy quality of a life a Lot. I think that's cuz you're a substitute. Basically any teacher I know, they're working well past 3:30. Well, 3:30 they get out of school, they can grade after, but a lot of the times with how at least the school I work at is run now. Everything's online. They don't have to really grade anything. And once you're able to start working again, what is your work experience? Uh, I have a lot. Um, I've worked in management.

I've worked in Uh travel uh travel ticketing. I've worked in customer service uh customer as a customer rep. I've worked as a um what are they called? Uh met medtech and uh aid at senior living homes. I have worked uh logistics. That's actually the one I've worked the longest. Logistics. So, like with her customer experience, um the company, she has an NDA, so she can't say necessarily what company she worked for because of who they help. Fine. Um but customer Service, she dealt with like financial stuff with people. Um and what helping them cuz I

guess you need her. It's a certain financial app that you can invest in. Um she was helping them with like their accounts and deposits, that sort of stuff. Okay. Um, she was I don't want to say bad, but her managers kind of let her have it because she's not necessarily Americanized enough to when we call customer service apologize to people. I don't speak to a single American when I talk to customer service. But like how they're all supposed to say, "Hey, I'm sorry you're going through this problem or let me help you." And all this

stuff. What'd you say? She's straight to the problem, straight to the solution. Here, I fixed it. Have a good day. Bye. Cool. Why did you adjust and not be bad at your job? Uh cuz you felt like I'm faking it and I really didn't care. Yeah, but what about keeping your job? Well, I mean I mean Technically I was good at the job. I was kept getting in trouble for that. Ex Yeah, except I wasn't apologizing enough, which I think it's fake. And and personally, do they tell you to apologize more? Yeah, then that's youring

job. I Yeah, but then personally, I always look at it as if I was on the phone call and I called somebody and I have an issue, I want them to tell me what the solution is. It doesn't matter. It's not your company. But but that was fake. But I didn't want It doesn't matter. It's your job. I'm so confused here. I know, but I don't care how you want to cook the burger. If the restaurant tells you how the burger is cooked, cook the burger. Yeah, but I I didn't like that. I hated it

so much. I don't care. It's your job. What are we talking about? So, especially with hers, um, customer service is so time based that going through all that apologizing and stuff, she was going over her time Limit. So, she was getting in trouble for them telling her to do the thing, but then she was doing the thing and then going over the time limit. So, then she was getting deducted on that. Yeah, that too. Cuz they give you like a time limit. Okay. So, you weren't good at your job. No, I was good at out

of everybody. Did you get fired? No, I didn't get fired. Her work permit ran out. Yeah, but but a lot out of like everything status. So, you guys are Married. What have we done? So, we got married. We filed it's an I131, which is like my petition for her to stay here. Yeah. Um, then we had to file the I485, which is her adjustment of status. Um, which is basically saying like, "Hey, we're legally married. I want her to get a marriage green card." Um, that's been pending about a year now. Over a year. Um,

and then we filed for her work permit in August and that's supposed to take three to five months. It's been Eight. Yeah. So, right now she's legally here on basically a marriage green card cuz while that's pending, she's allowed to stay here. Um, but we're kind of just waiting on interviews and waiting. Everything's going to change when she has an income. We'll have much more money to pay down debts much easier. I'm looking at getting rid of I assume your spending will just go up cuz look where you are. We're at $70,000 of debt. Why

no? You're Confident with the No, you're already 100% confident. She already had an income before, correct? But we How long has she not had an income? uh since August 8 months. That is when our credit card. This is not $70,000 in 8 months. That's spending you. Well, $70,000 in 8 months. Our spending has skyrocketed because we also moved in after we got married cuz we're not allowed to live together before we Oh, no. I moved into a place. That means I have to spend $70,000 in eight. What are you talking about, dude? A lot of

our expenses were with her not having a job. We have to put on credit. $70,000. That is you living above your means. You do not need to live on $70,000 in eight months. That we are talking at that point. You are living off of $110,000 a year. That is, you are not making that up with an income. What are you talking about? A lot of this stuff over the past year are one-time purchases that are not going to Be made in subsequent. You needed them to survive. So, our spending doesn't Hey, hey, you our spending

is going to go down because of those onetime purchases are no longer on the budget. Listen, listen, listen. Next year, maybe you'll want to buy a chin. I don't know what's going to happen. At some point, everything gets pushed. Everything, you will find a replacement for that spending. The spending that you Did last year that are one time, you're going to find one-time purchases next year. I only have four of these conversations a week. That's it for 3 years. you. So, you're saying my position is the same as everybody else's position and that I'm not

unique in any way. So, why would I be on this podcast in the first place? Yeah. Basically, because essentially everyone that comes on the show, trust me, I've heard that this show just because our spending was Bad in the last 12 months does not mean it's going to be bad in the subsequent 12 months or the 12 months after that. Behavior just changes because we wake up one day. We are here to get our behavior changed and look at what we do. I don't change behavior. I will give you advice of what you should and

should not do that. But you spend our behavior. Yeah. If you follow it, that's what we want to do is follow it. That's why we're here. That's why we're here. Okay. [ __ ] Bingo. Got it. Ding, ding, ding. Buddy. Everyone says that again. You think you're unique. You're saying exactly what everyone says every single time. Okay. I am here to get help. If I didn't want help, I would not be here. Then maybe you shoulding listen instead of interjecting. Oh, yeah. Go ahead. Interject. No, go ahead. There it is. Okay. Your one-time purchases that

you did last year, you will have one-time purchases for the rest of your life. This is what happens every single time. And even still, even still, she did not have a job since the middle of last year. Since after the middle of last year, and you guys chose to live on $120,000, even if they're onetime purchases, I don't give a You chose to live off of $120,000 a year when you barely make scraps. So, I don't give a if they're onetime purchases. You chose that. You chose that. So, how about we go into the finances

and look what we Can fix, buddy? It's a fix. Here, here's a fix. Let me give you a little fix. This will solve your entire issue and we can fast forward instead of doing an hour and a half. Here's a fix. Don'ting spend $120,000 in a year, you dumb making $30,000. Let's be real. If your private student loans have your eye in a third job at the local taco stand, maybe it's time for a better plan. Why Refi is your lifesaver in a Sea of debt. Unlike the typical lone sharks who treat your credit score

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are here to try and fix. We want That is not how this conversation is going to go. Stop trying to control this. Okay, You little doineering freak. That is not how this is going to work. I am trying to learn about you. I get into your brain. We figure it out and then we go through the finances and then I get to learn about them based on the establishment that you set before of your personality that I get to know about you and why you did the things. Guess what, special guy? I don't know if

math teaches this, but when I look in your most recent month, I can't see what You spent in August. So, yes, we're having a conversation about what last year look like that got you into $70,000 of debt. I agree. Yeah, I don't think the master's degree is going to solve that equation for you. So, yeah, we're going to talk about maybe the mistakes you made. Absolutely. I 100% agree. So, stop with the let's go into the documents then. I know. We're going to go into the numbers that happened in the last month. Okay. Okay. So,

why the do you think it is okay to spend $120,000 in a year making 20 to 30? Never said it was okay. Then why did you do it? Fiscally. No, that you chose to do it. Why did we do it? We were fiscally irresponsible. That is not an answer. Why did you choose to do it? That is not your choice. The fiscally irresponsible is not the answer. I want to know why the you did it. self assessment try to get any kind of Reflection in your life. Why did I do it? I don't necessarily have

a great answer for it. I'm fiscally irresponsible. Oh my gosh. That is not going to be an answer. So much of this debt just spend money on dumb. There we go. There's Oh, there's an attack. So, what are you getting? This one time purchases that you're able to justify for an entireing year, which will apparently never happen again in the rest of your life. Never said that. Okay, then why are we defending ourselves like it's just onetime purchases that'll never happen again? Certain onetime purchases will never be made again. I have already replaced but they

will be replaced with other onetime purchases. What you don't want to do is replace them. They always will. But you say they always will. They don't necessarily have to always be with the with your discipline if you choose to. I that's and that's what I need to work on Is my fiscal discipline. Yeah. So let's learn about why you did those in the past. Tell me what were you purchasing, dude? Instead of just saying I'm fiscally irresponsible and trying to move on. What the did you actually do? Be completely honest. I didn't know we spent

$70,000 a year. That's why I'm saying I don't answer the question, guy. You don't need to sit here and try to look. I don't know what we spent that money on. The $70,000. You can't reflect To three months ago. $12,000. You keep bringing up onetime purchases. Tell me about any of them. Any Wait, couches onetime purchase. Oh, he figured it out. He He was able to get an answer. We got there 10 minutes later. Couches onetime purchase. TV onetime purchase. All the stuff we've had to move. $7,000. Couches and TV. That's what I'm saying. I

don't know what this $70,000 is. All the stuff. all the stuff we've had to move in. Plates, dishes. You needed a TV to Survive. Well, we've had our TVs, but Okay. So, that wasn't it then? Okay. So, desks for her to sew, sewing machine for her to sew, so she can try and make some supplemental income when she's allowed. How much have we made? Uh, none so far because she's not allowed to make any money, whether it's cash or then maybe we shouldn't have purchased for something she can't do. That's when she was allowed to

work. And did you make any Money during that? No, cuz Okay, so [ __ ] Keep going. Uh I I don't even know what other onetime purchases could be. Lots of food, lots of you know I mean your passport doesn't really count because you had to get that. Um but going on vacation to Ocean City we Yes, that is necessary for surviving and moving into a new place. This guy what are you talking about? That technically that was before but how much you talk about since [ __ ] the unemployment cuz your entire I want

let's frame let's frame back. Let's get to where this started. You specifically said we are going to get out of debt when she gets income cuz everything's going to change because we got income. However, obviously mathematically you can do that part. You know that that is not why you're in this debt because no amount of income she gets unless she gets a six figure job would make up for the kind of spending You guys did last year. So tell me what the you guys were doing since she got unemployed spending money on dumb. Also I

don't really purchases. Also, I don't really have the money coming in to kind of Hey, how about you work like a [ __ ] man then? I am working. What the do you mean? You took 3 months off when she was unemployed. I didn't take 3 months off. It was summer break. I worked over the summer. What' you do? I work at CVS. You said you weren't Bringing in money. You would have been bringing in money if you're working 30 hours a week. And don't say you didn't bring in money. I never said that. Did

he not just say that? I never said that. No. I I I work at CVS while I work during school. And over the summer, they don't let me work full-time. They let me work 30 hours a week. Who doesn't? CVS because they can't transition me from part-time to full-time because of Benefits. But but you pick up a second job somewhere else. That's what I'm trying to do right now over for over the summer. Last year I don't give a [ __ ] about right now. I'm We're still talking about last summer trying to follow along.

Yeah. Why didn't you work a second job? Because she was still working over the summer. She got unemployed in August. Why didn't you pick up a second job? Why couldn't you pick up a job in the evenings? You don't Make enough money. CVS in the evenings. It was CVS in the evenings. I work So I work at CVS. Why did you work at CVS right now? I am. I Why did you say that? I asked what you do for a living. You How am I answers without a full picture? Listen, to be fair, you cut

me off after I said substitute teacher and I never got to go back into that. How much you make at CVS now? Uh, it's about $19 an hour. How many hours a week are we currently working during school? It's About 10 hours a week. I work there Mondays and Tuesdays after school. You can do more than that. I work there Mondays and Tuesdays after school. They don't let you work Saturday. Sundays. Sundays are only open for Are there other weekdays other than Monday and Tuesday? Yes. Might need to check your calendar. still have my schooling

that I have to do. Okay. And what when does that take place? I do my schooling Wednesday, Thursday, Friday. I'm in online school. Um when are the classes? What time there? It's all asynchronous. So I do it whenever I have time. There's no like live lectures. Okay. So you can work after school for a few hours. Yeah, I do work. But Wednesday, Thursday, Friday, if I come home at CVS, I usually get home 9:00 p.m. I have to wake up at 6:00 a.m. to go to school. If I do my school like after so you're

doing the thing that the rest of us have done all throughout life When we had to sacrifice and maybe you get a little less sleep. Okay. Yeah. To pay the bills for your wife the roof over her head since she doesn't have a choice to work. Yeah. You man up a little. Okay. I I completely agree. That's why I'm looking for which is why you didn't do that. That's why I'm looking I love how this guy is like we're going to do this. Everything's going to be good. This one time purchase. Everything's going to be

good In the future. You're right. I will do that. I'm here guys. It was just it was just I was just financially insecure. How about like that's not how this works. You don't just get out of a push back by saying, "You're right. I'm just going to do it." No. Why weren't you? Cuz I can't just believe you're going to do something if you're just going to say, "Because when I'm already working in school and I'm already working that second job for two of those days a week, The other three days I'm doing let you

work on the weekend." No, go to McDonald's. Why would I want to go work at McDonald's? Sure. $15 an hour. I morning money. Yeah, money. I have schooling I have to do as well. Okay. You didn't say that. You said Monday, Wednesday, Friday again. How am I able to have any kind of assessment if you refuse to answer a question sufficiently? I am perfectly capable of working, but I don't want to Work 7 days a week. I don't give a you want. You're under by $1,000 and you have a wife who can't work and it

is not her fault. Yeah, but I am not working seven days a week while I am in school. Yes, you are. I'm going to fail school. That's going to be more student loan money that I'm going to have. But you said you did school Monday, Wednesday, Friday. You did not say Saturday and Sunday. I do school Wednesday, Thursday, Friday. Wednesday, Thursday, Friday. You Did not say Saturday, Sunday. Saturday, Sunday. Okay. Like maybe I could pick up a second job. Yes, that's what I just said. That's literally what I just said. That's what I'm trying to

do for the summer right now. I'm applying to jobs currently, not for the summer. I'm saying what? If they hire me now, I'll do it, but I'm applying for so many. You can run the rest of this conversation of Yes, you're right. I will do that. I want to know why you didn't do it Because I will have no faith. It's just like someone who comes on has all this debt and says, you know, I'm just going to pay it off in the next year. By the way, that's exactly what they just said earlier in

the conversation. How can I have any kind of belief in that if you have not been doing that? That is why I am trying to ask questions as to why you are not doing something so we can diagnose and find a way to get you to actually do it in the future. The Answer of oh I was just financially insecure and I'm not going to be. That's not a answer buddy. You do not get anywhere in life with that. So why I didn't work? Yes. Why are you not working on Saturdays and Sundays? Because I'm

lazy. That's my time to recuperate from the week. Great. Could I have done that? You married a lazy man who's not willing to keep the roof over. How does that feel? She has a roof over her head actually for Now. Keep going $1,000 in the negative every single month. We'll see how long that lasts. You're married a lazy man. How does that feel? Um I don't I don't think he's lazy. Really? I think he's okay. He's not willing to work Saturday and Sunday. Yeah, I think he should take a break as well. You don't want

the bills paid? He does pay the bills, but I think you are under by $1,000 and debt is going up and we're at the $70,000 since you went Unemployed. What are we talking about? You're going further than debt. That's not paying the bills. Do we know what paying the bills are? A little concerned that both of you do not know what paying the bills are, which makes me a little nervous for the future of this conversation. Going to debt is not paying the bills. We do realize this, right? That is actually additional bills now. Yeah,

but he he is working two jobs and Going to school. So, I do not think he's lazy. He is not making enough when he has time to go make more money. And he is choosing not to. And he just said, "Because I'm lazy." That was his own words. He literally just said he was lazy. Yeah, but I don't think he's lazy. Oh my gosh. He's not making enough money when he has the choice to go make more money. I don't know what to do. This is sucks. It sucks not to have a break. It sucks

not to have a break. We all want To have a break, but we all sacrifice in the time of need. And you're in the time of need. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high yield savings account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and

earn up to $5,000 In cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So, use the links in the resources section of the description below and get yourself $5,320 right now. So, you can do it. I I'm not thrilled to say go do it. I don't want to see you be uh out there. No, whatever. Well, what I don't want to see you Uh I want to see Yeah, you know, just working away and it's not Yeah. Okay. I'm currently applying to jobs

and that's what sucks is like I'm going to have to work these seven days a week until her work permit comes in, but that's a crapshoot when it comes in. They basically said because they fired USCIS representatives. Um, everything's getting pushed back so we don't know. Currently in the process of applying for jobs, but it all depends on who gets Back to me. I have remote jobs I've applied for. I have, you know, like local Harbor Freight, Home Depot, Target, that sort of thing. I'm just waiting to hear back. Like that's the thing. What is

your resume? Cuz you're the only person in the entire world that will apply to thousands of jobs and not get one interview. Uh that's not true. That's not true. I also applied to multiple jobs. Okay. No offense. You're In a very unique situation. True. I you do not qualify in that. Yeah. Cuz yours before like you have cuz your social says you can't work. You had to put like hey I can only work till August of 24 and people aren't going to hire you for that. Yeah. But that's not why I had in my resume.

Yeah. But I mean like it does suck that like we're in this position and like obviously I want to take care of my wife. Like I want her to be like happy and we're not in debt and all this Stuff. You want to but then you don't need the one-time purchases. I'm still not aligned with I do not accept your one-time purchases. You chose to do them. Chose to do them. If we are caring about the household, it is not getting aing dream bed frame or whatever. I don't even know the couch. We don't need

that. We get a we get a used couch off of Facebook Marketplace. And I think looking back into like us making those onetime purchases in the moment, it felt Like we had the finances for it. But obviously looking back on it now, seeing how much debt that we're in, it's a huge mistake, right? Like we're in all of this debt because we were stupid when we had the money. But I think now we can use that as a learning experience and to not do those stupid mistakes going forward. Okay, let's play let's play a little

game I like to call a special little game. It's a good name. Again, just self assessing where you guys are at. Then we're going to jump into numbers, which is what you really really want. You guys like got to get into the numbers. Okay, I want you guys to point to the person you think is the cause of this. Okay. I'm going to ask you a question. You're going to point to it can be pointing to yourself. You can be pointing to each other at the same time. Okay. Okay. So, at the moment, the Moment

after I ask it, make the point. Okay. Who is the most likely to hide their spending? Okay. It's interesting. We'll get into that. Whose financial spending is sabotaging the relationship? Who is currently more responsible for the finan for the relationship's financial stressors? Oh, we both think it's ourselves. And between the two of you, who needs financial audit the Most? We both think it's yourselves. So why are you both Cuz you both just thought you were for the last two. So I think the second to last question why she thinks like the financial situation sabotages her

is because I think she feels like she's a burden on the relationship because she's not able to make an income. Not only that, I do not like to cook. So, I like to get some take out lot. Why do you think he said himself? I don't know. Oh, come on. He's youring husband. I hope you know something about him. Why does he think it's him? Yeah, I don't think he spends more than I do. So, why do you think he thinks it's him? Um, I don't know. I really That's not good. That is That is

not good that you can't even like get in the brain of your man. Oh, boy. Okay. And when it was most likely to hide their spending, you both pointed to her. What the are you hiding? I'm not hiding Anything, but um I like to buy skins in video games and not tell him. Okay. Yeah. Marvel Rivals. She loves it. But if someone were to hide it, it would be her with like video game stuff. And who's financial spending and sabotageing relationship? You both pointed to you. Yeah. Why? So I think I mean a lot of

the burden all the burden for financial stuff falls to me when it comes with like making money and stuff. But this is spending financial spending is have the One-off purchases that'll never happen again in our entire lives. So with the spending and stuff um a lot of the stuff that we spend like I don't necessarily have to like approve it but we both talk about it and it's like I don't agree on it. It won't be spent. So like if she wants to go and spend a bunch of money at all. Is that why you

guys pointed to her for the secret of spending? I don't think Do you feel like you do secretive spending because he won't give Permission if you ask? Uh, it's not that he won't give permission, but I know what I'm going to spend on is dumb and I just don't want to tell him that I'm spending my money on dumb stuff. And you know, he won't agree with it. Yeah. It's not that I won't approve it because like Well, how do you deal with that? How do you deal with her just go spending without the communication?

I think we have like a boundary. Um, like she's not going to go nuts with like Well, what do We qualify? Like maybe once a month she buys like a $20 skin for That's not crazy. But is that all we're talking that's happening? Yeah. Like she doesn't ever find You don't do more than that. No. One time um it was with Lose one of your friends. Um Okay. I'm going to go 3 2 1 go. On go. I want you guys to give me your household financial score of where you think you are. 0 to

10. Zero being the worst. 10 being the best. 3 2 1 5 8. Um, do you want to translate? For me or for her? Well, she thinks it's an eight. Do I feel like you should deal with that? I think it's good. I think she thinks because But you have $70,000 in debt. Because we have a roof over our heads. We have cars. Like our You know, all that can be taken away. You bragged about the roof over your head a second ago when I said, "Okay, he's not making enough to be able to actually

do that." You Know, you know that is not a permanent thing. Roofs can be taken away cuz you do not own your roof. But those like mandatory expenses that we have, um, so like health insurance, um, roof over our head, groceries, that sort of stuff, that is all 100% taken care of. Then why is last month a,000 hours more than we brought in? So the mandatory expenses are covered. The extra stuff is the stuff. Are you okay with that? A thousand hours more Than is coming in being spent. 800. Yeah. You're okay with that? Yeah,

I'm okay with it. What the did you attach yourself to, dude? She is what? It sounds like from from what you were saying earlier, you want to change and I vibe with that. I didn't like the answers you were giving cuz they felt like copouts. However, I do feel that you want to change. How are you guys going to stay together With that mindset? Because that mindset is beyond conflicting with what you want to do. Sometimes it can be a struggle to do stuff because um she's very like happy minded and like go-lucky with the

attitude and stuff and I tend to be more looking on the negative side of the aspect. Um she's negative. You want to change, but she's okay with spending a thousand hours than you guys make. She's literally okay with that. How can you guys ever vibe on money ever? Uh, I'm Okay with it, but I also do want to change very much. How How do you b How that doesn't make any sense. How can you do both? How can you be okay with spending 30% more than is coming in, but you want to change? That doesn't

make sense. It It's hard. Um, like I said, she has that happy golucky mindset. So, my impression of it is she thinks everything is okay, even if we're spending 30% more because we have food on the table. we have a place to live. We have cars, um, medical insurance, she has her doctor's appointments and all that. Um, but she also does know like the position we're in is not okay having to balance transfer credit cards and all that sort of stuff. Um, I just think she's trying to look on the brighter side of it and

say it's okay because we still have a place to live and we have food on the table. All right, if you want your Hammer financial score, want to see where you stand in the world of Finances, go to caleb.com or click the link in the description below. And make sure you take advantage of our budgeting app so you don't end up like them. And if you sign up for the annual version, I will sign our cookbook that you can't purchase or get anywhere and I'll mail it directly to you. So make sure you download the

budgeting app today. Also in the description, come on the show. Caleb.com/apply here in Austin, Texas. We'd be happy to have you. Okay. Okay. Oh, you've been waiting for it your entire life. The dude's about toing come. We're about to talk about discover. The numbers are bad, but I like to look at them. He loves to look at how bad they get. It's his little kink. Okay. I didn't know they were that bad. What's his kink? I can tell he's a freak. He likes getting pegged, doesn't he? No. What? You got sisters? Is that what you

Were just telling me? I'm vanilla. [Laughter] I don't think you believe me. Okay. $9,336 on this Discovery card. What the [ __ ] is that? With purchases only the minimum monthly payment being made and then interest of $34.64 being made. How long does this take to pay off? You might know. So, how long does this take to pay off if you only do the minimum payments without Purchasing, which by the way isn't capable in your household because you're okay with spending 30% more than you make. Go ahead. How long does this take to pay off

only doing minimum payments, no purchases? Uh maybe a year or two. That's interesting. 26 years. Yeah. 26 years. Yeah. Before we go to Zambia. Yeah. Zambia. Oh well. I thought it was like one to two years. No, it's just 26 years. Yeah. Maybe don't spend 30% more than you Make. Damn. Cuz that was a balance transfer from AMX. That's why sometimes it's worth working on the weekend even when we're retired. Not that we want to. Not that we want other people to. I don't want people to conflate that wrong. But sometimes, look where it puts

us. 26 years. And the longer we put that off by making the less, making less, and spending more, the longer that goes. That gets to 30 years before you know it. That gets to 35 years before you know it. That gets to your deathbed before you know it. You guys always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see

just that. A couple weeks back, I stumbled upon this social investing app called Blossom and Thought, "All right, let's give it a try." And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in, and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So, if you're curious About how I'm investing or

just want to get smarter with your money, download Blossom right now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So, hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now you can actually see what my portfolio looks Like today. Okay. minimum monthly payment $187, which by the way, that minimum monthly payment alone stacked on on what I'm guessing is even more similar

ones for your income situation is a disgusting minimum monthly payment. The bright side of that one is it's still interest free for what? No interest is being charged. $34.64. That's a balance transfer on her discover. So, that should still be Interest free. No, no, no. Hold on one second. Cuz we No, no, buddy. There. First of all, that is 4%. So, it's not interest free. you are 4% on $9,222 but then yes of $232 you are facing nearly 18%. So no there is still interest happening 4% is not the end of the world but it

is still brutal. That is 4% on a large number making your minimum monthly payment higher on an income that can barely afford it. And why are we balance transferring like That? Interest the interest. Now what happens a lot psychologically of course we know people balance transfer. They think they've made the progress, so they don't do anything more. And it is being suggested in your overall behavior that that potentially is mentally what you guys thought because you did not make more than a minimum monthly payment. So, you guys let your foot off the gas when you

do something like this. Well, for that card in particular, we've only been Making the minimum monthly payments because we've been paying off other cards. We'll see. I'll go through the debt. I That better be the case. And I hope that's the case. I paid off one card and a personal student loan. Yeah. I mean, they're telling me you're about to buy a newing fan. A fan? Yeah. Yeah. Uh like what kind of fan? Like $20? Cheap room fan. Yeah. Like we want to get like a nice fan. Um because like so you can use the

balcony cuz our our AC Is so expensive for our electric bill because our big patio door that we have is sealed horribly. Um so it constantly runs. You can kind of fix that handyman style though. Well, so the building is super old, so all of the stuff like the rubber around the door is all like off and the building's not going to replace that unless they have to replace the whole patio door and they will not replace the whole patio door. So, we have for the summer we have big or for The winter we have

big. And this is your everyday spending card. Historically, the MX Oh, the one that you transferred into this. Yeah. Why do you have an everyday spending card? A credit card? You guys are not credit card people. You don't know how to manage that. To save your life, you put onetime purchases that'll never happen again for the rest of your life over these cuz no one ever buys more than one Couch. Yeah. Um so like even with the fan like our electric bill just trying to get that high. We have big plastic tarps over our windows

right now. I'm okay with the $20 fan. That's not the big that's not the big issue for me. It's just like it's the behavior that got us here in the first place that we aren't certainly not fixing because we spent $800 more than came in last month. Um 450 of that should have been for her Passport, which is like 450 out of 800. We're talking about half. Come on. What are we doing? Yeah. Um shouldn't be going out to eat literally once. If we're in our negative, if we're in the red, we're not going out

to eat once. I don't give a And that's a big problem that we have is like I she sometimes doesn't want to cook and I am a not a choice. You don't have a job. I don't give a that's not like traditional values or anything. I don't give a you Don't have a job. That's your job cuz you guys can't afford anything. That's just math. Yeah. And so to go out to like sheets or Dairy Queen or No. Why? Why the is that even a choice? Why is that a choice? Why do you feel like

you aren't you don't get to participate in the the the the making progress? Because I hate cooking. I don't give a He probably hates working his extra job. Yeah, but I I hate cooking. I don't give a He probably hates working his extra Job. Can we say something that wasn't just copy and pasted? Do it. Just do it. Just like you didn't want to do the thing that was required at your last job when it was your job. Uh maybe you just have to do it. Why don't you meal prep a couple times a week

so you just warm it up so it's not a fresh cook every single time? Yeah, but we both do not like leftovers. I don't care what you guys like. Stop using this word like. I don't give a [ __ ] Do do you guys realize that your debt is getting worse? You can lose your roof over your head if you can't pay rent. And when your debt gets worse, your minimum monthly payments go higher. Which means, oh, at some point we might not be able to pay our rent. That roof over here, that precious roof

that we really like. Yeah. So, I don't give a about I like or don't like. I like the roof over your head. I like Survival. Can we choose that please? Can we choose any inkling of responsibility? You guys are in your upper to mid20s. Mid uppers. You can act like adults. I promise. I can try, but I don't know if I could actually do it. What the [ __ ] are you doing here, dude? What are you What was this? A desperate attempt at marriage? Like, what are we trying to do? She's okay with spending

more money. I'm I'm sorry. I'm being rude, but I Don't give a Like, she's okay with spending more money. You're not. She you're you're willing to sacrifice by going and working your ass off. She's not willing to literally cook a meal. What are we doing? How do you guys like vibe and last together? There's behaviors that have to change on both of our parts. And those are behaviors that have to change. I have to work more. She has to maybe like step up a little bit when it comes to household stuff. But You're at least

applying for jobs. She's not making the steps towards a stepping up. Yeah. Uh so like these are things that you know we have to work on in our relationship and stuff and I think this is kind be honest with me not not like don't mince your words just because she's right here. Do you feel any kind of resentment here with this very very much there's no resentment. There's nothing there is no no part of the fact that she's not willing to sacrifice but You're willing to sacrifice everything. I don't use the word resentment. There are

times that you know I wish she would cook sometimes but never do I resent her in any way. Okay. Like I I would if if I ever felt any sort of resentment towards her, I don't think I would have ever married her. I don't know. You guys married after a year. We did. I think we were both kind of at that stage in our lives where we realized, you know, we were perfect for Each other. So that's why we got married. We vibe very, very well together. Our finances, you know. How were we perfect for

each other? Are you sure we weren't perfect for the situation? No situation. Um I was looking for girlfriend. She wasn't looking for anybody. Um, but Well, were you looking to stay? No. You were going to go back to Zambia? Zambia? Yeah. Yeah. My plan was to was to go back home. I got to look up for Zambia. Yeah. She was fully set on going back home and then um we ended up dating and realized you we both have the same goals in life. Don't want kids. Um it's a cool flag. Oh, and all that sort

of stuff. So, I think we kind of just hit off based on what our future expectations were. You sure you guys want to live there? Yeah. Where she lives, she lives in the capital city. So, it's very nice. I get it. Isn't that that that that like equator belt? Yeah. The copper That is just like so hard to develop because of just so many natural problems that aren't even people's faults. It's like the no like no deep water ports, endless diseases, very hard to tame nature there. This is like is that where we if we

get to choose to live somewhere is that we're choosing it's not an African thing okay south and north but that middle part that's just rough that's rough thing about it is where big reason why we're not going over now is Because they have load shedding so they shut off your electricity for part of the day like every day that's where I want to live and their internet is absolutely atrocious and I know you're addicted to that so that's like yeah but the quality of life there is so much better than here and cheaper like once

you buy a house in which way Well, if if you buy a house over there, it's yours forever. There's no property tax. If you don't pay your utilities, it doesn't Matter. That house is yours until you die. There's no utilities to pay for. Sometimes they turn them off. Oh, well, you still pay for them. I mean, you still pay for them. Yeah. But they turn them off. But it's much cheaper. I love paying for things I don't get. But everything over there is much cheap. It's much cheaper. And it's for a reason. It's cuz you

also don't like make any. Yeah. And they don't have credit like a credit system over there. So, there's no like mortgages or credit cards. It's if you want a car or a house, you pay How much is a house? Um, you can get house like US dollars anywhere between like 20 for something like kind of this is why you don't need a loan for it or they have houses that go up to like 3 400,000 US that are like giant mansions. I'm not sure you can find a loan for it. Yeah, probably. But I don't

really know the market. We I don't think we have loans for homes. There no loans loans for You're literally saying no one could find a loan for a home in Zambia. Well, last time I was there there was nothing like that. Yeah. could be new. It's been a couple years. But like cars over there, like you buy your car, full cash, no interest payments. How much is a car? Uh about maybe 5K. Okay. See, this makes it like we're going and get a new car here. We're talking 4050. It's like it's a different situation. And

yes, you can Borrow to buy a home in Zambia. Several financial institutions offer various mortgage products tailored to different needs, including purchasing, building, or renovating a home. Zambia National Building Society Zambian Home Loans. Zambian uh Static Bank Zambia Asaba Bank Zambia Zambia National Commercial Bank. Yeah, but I get what you're saying. Yeah, I get what you're saying. I get what you're saying. There's a reason. When people brag about why something is So cheap, there's a reason. Yeah. And you also It's the cost of living. When you when when everything's very expensive in the Bay Area,

you also make a significantly more. Yeah. Do it if you guys want to. I'm certainly not against it. Yeah, I obviously have to repay stuff off cuz making a Zambian salary over there is not going to pay like student loans and everything over here. And we have $70,000 to pay off, but no behavior will Change. But a lot of the compromise that we would get from living over there, I'd be perfectly happy. I bet you there will be some once in a-lifetime purchases once you move there. Blue Cash Every Day. What's going on with this

card? So, that's our everyday spender. I opened that maybe three years ago and then put her on as an authorized user after we got married. Um, so that's kind of what we spend up until a month ago when we got a Sam's Club card. Um, Spent groceries on, gas on. You paid last month's off, 179. Is this always paid off? Um, not always, but the balance on that one I usually put well over the minimum on that. I usually put 400 a month towards that. Well, that wouldn't pay it off. We're at $1,79.99. Let's just

put the minimum monthly payment for budgeting purposes. $40. Okay. Four years just to pay that off. By the way, if you only do Minimums, Wendy's Spotify. Aren't you going to miss Wendy's? I will miss Wendy's. That's where our first Wingstop. Aren't you going to miss Wingstop? No. Raising Can Aren't you going to miss Raising Can I? Sheets. Sheets. Hulu, Dairy Queen. It's like we just can't be do like when we're literally under on a monthly basis or even even if we're breaking even but this month we have a Big passport thing, right? Then you have

to cut on the stuff. That is just what an adult does. That is what someone who is sacrificing to. And guess what? Your sacrificing of having to work more is now because you refused to sacrifice and cut your spending before and you've gotten yourself in debt where your minimum monthly payments are higher. you are now forcing yourself. Like you could have maybe worked an extra, you know, five, 10 hours a week to break even Before, but then you chose to spend way more than you made. So now you're forcing yourself to work an extra 20,

30 hours a week. And that is no longer a sympathy. Oh, I'm sorry you have to do that cuz you chose to do that now. You chose to make the spending that has boosted these minimum monthly payments to where you no longer have a choice. Are there any big expenses coming up to like that passport? So, um, she just had in the past 2 weeks four Fillings. Um, we do have dental insurance. Good, but usually that isn't it's not great. It it only covers 50%ish, I think. So, for her four fillings out of pocket, that

was about $400. Um, and then she has two of her wisdom teeth coming out at the end of next month. How much is that going to cost? So, they gave us the bill before insurance because they don't know what insurance is going to cover. It's 1,400 before insurance. So, usually they said Insurance covers maybe a little over half, 65%ish. So, maybe around five to 700 depending on what they cover. Um, and then she's had dental work 14ish fillings over the past year and a half. Oh my. Yeah. And, uh, that was crazy. That was before

we had insurance. Um, so that was all out of pocket, which was probably cost four grand total. And that was Care Credit credit card. That was all interest free for 12 months. that we paid off. Um, so that's all paid Off, but it it was still $4,000 for all of her dental work cuz they don't how we do in America, go to the dentist every 6 months. They don't. They go when their teeth hurt. So her teeth never hurt. Zambians back home. Zambians. Yeah. Plus, I also don't don't like going to Lent at all. Well,

no one likes to. Yeah. But hopefully after these teeth are done, I mean, half of her teeth are filled, so she should not wait. Okay. Okay. I'm Teeth are not one Time purchases. I don't know if you know this, but they also exist for the rest of her life until you pull them out. So, no, that's not how that's going to work. More work will be done in the future if you both want to keep all your teeth. I think big reason why she got a lot of the dental work done at the beginning was

because she never really saw a dentist over in Zambia because her teeth never hurt. When we started going every six months here, they went, "Oh my god, Like you have so many cavities." I'm sure you had a lot more sugar when you came here. Yeah. Just just Yeah. It just Yeah. comes in our diet. Yeah. So hopefully now with her seeing the dentist every 6 months and she's taking care of her teeth much much better. That maybe only one filling every now and then rather than 8 n 10. So hopefully much much cheaper. Over the

past year and a half, my team and I have worked with experts to create the literal best Four financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So, I'll teach you how to budget no matter where you are in life. How you should be investing based on your investing profile and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life. And

I can also teach you how to Get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to calebhammer.com or just click those links in the description below. Yeah. And apparently you caning just go crazy on birthdays. You

got him aing massive oculus black limited edition uh Steelers tickets/coins getting couples massages. This is like you guys are spending so much money when one is not working and the other one makes peanuts. You guys are living a lifestyle that you're not even close to and it is putting you in such a bad place and still I I really like I really don't care like live wherever. I I'm you Know I'm cheeky, I make jokes, whatever. It doesn't matter. Um but it's like you guys are living the bougie lifestyle. like how's that going to translate

to over there? It's like like I'm very curious to see the kind of lifestyle you guys live over there. But either way, you're never paying off the debt and saving up the money that you want to live to make it over there. If you got a million bucks saved up, the compound interest and all that good stuff by the Time Yeah, you could live like kings, right? But it's like you're never going to get there if you're living $120,000 lifestyle like you guys refuse not to do essentially off of 20 $30,000 a year income. So,

I don't know how we're ever going to get to that Zambian point. So, the like bougie and Zambian even making $20,000 here is rich for I I get that. But it's the lifestyle. Like, do you have access to all that stuff over there that you Like to do in either way? Okay, great. So, and that's if a coup doesn't happen. That's true. Uh, I'm just saying if you're living the $120,000 a year lifestyle now while making 30, how are you ever going to pay off this debt and save up the amount of money that you

want to have to live over there so you don't have to make that, you know, median salary or whatever. Now, I I looked up their GDP per capita, not even the median salary, but let's Say you make $1,000 a month. You know, you want to save up more money to live that higher lifestyle there. How do you get there if you're living off 120 now? Yeah. So, I like I think this shows kind of the big kick that both of us need um to like essentially change everything that we're doing with how we're spending money.

Like obviously I'm going to need to work more whenever she gets to work like overtime if they allow it. Um so like I think this is the big kick in the Ass. We need to get that debt away and then we can save up for a couple of years and then we could be perfectly fine living over there. Um it's not a guarantee that we go over there in like 5 years or 10 years or 20 years or whatever. Um, we'll just get to it whenever that comes around. But we do need to pay off

this debt first. Like that is number one priority to us. With a master's degree with a lot of experience in Zambia, you can make about $3,000 as a math teacher. But if you go private, you can get $5,000 a year. Okay, that's good. US or quatcha? Hm. US money or quatcha? That's our currency. Okay, that's good. For for quatta, you can go up to 106 820 quattas. Cuz what did you make over there when you were working logistics? Yeah, it was like 800 US a month. Yeah. And that was like good salary for them. Yay.

Let's do that again. Okay. City Double Cash. And I love this Card. I use this card, but you guys are not credit card people. And the last one. Yeah, you're right. You paid off the last balance, but you did have interest acrewing this year showing that you do not always pay off the balance. Meaning you're not credit card people. Don't use credit cards. It doesn't make sense. takes 11 years to pay off this card. You're only making minimum payment. Looks like it's at a 0% uh period right now, but $3,92.50 is your minimum. Oh, is

your balance with a minimum payment of $41. 11 years to pay off, but interest kicks in in a year. No, less than a year. It's like nine months. Yeah. Yeah. That one I think we transferred over in December. That was from the M transfer. So, it's transfers to transfer. for our transfers to transfer. Yeah. It's like again, if we're transferring to transfer, you never get out of debt and never save up the the stockpile, the arsenal that you Need to get over there. My thought process for transferring balance transferring these was if we kept that

whole balance on the MX card being that that's at like a 27% interest rate. Um, we wouldn't be able to make those minimums. I get that, but again, you're only making the minimums and you're never going to be able to go find Coney. Okay. Yeah. It's Yeah. My thought process was do that. make the minimums until she can Hopefully get her work permit and then we can try and hammer down on those since I would like to pay the credit cards off first before like student loans or anything because they're the highest interest rate. Um

and then we can But you just defer to defer to defer to kick the can down the road. Yeah, I really get that. And I haven't seen a card that we're making that like, okay, this is where we're putting all our energy cuz even still on that one card Where you paid off the balance, but you don't always and you're certainly not this next month, you're still spending on it, which is not our hyperfocus, you know. Do you think it would have been a better use to keep all of those balances on one card or

do you think it's about that? It's about what you do after what you did. Yeah. It's not You're not doing the hyperfocus. You're doing the foot off the gas that a lot of people fear like Dave Ramsey is super against credit card transfers and is against cons consolidation. I'm not. Yeah. But with stipulation not to do what you're doing, which is where you don't bring that intensity to it. When you see interest going away and being hit from it, you bring that intensity and that's why people like Dave are against it. Yeah. So, it's just

it's the what you do after and what you're doing after. I think it was my thought process at the Time was to have that be on like no interest or that 4% interest on that discover one just to give us a little bit of more leeway to try and pay some stuff off but we don't have the money to pay the stuff off. That's the struggle because you still spend money. Yeah, we saw the spending and apparently you collect sports cards so there's even more spending. Don't spend money on them though. I got like find

them under a dumpster. I had a bunch of old sports Cards from when I was I'm literally being told you've spent thousands and thousands on them. So, I don't know what you're I got cards graded that I want to sell. And you have not spent thousands on them. Thousands? No, I spent to get them. You know, the only way they get that information is if you tell them that information. Thousands? No, I've spent to get them graded. It was like Oh, sorry. Never mind. I just read it wrong. They said you have thousands and Thousands.

Yeah, I have cards worth. What's it worth? What's your card collection worth? the So, the ones that I have graded, I have a bunch of like pulse skins, PSA 10. How much? Um, if I if I sold them all right now on eBay, um, I'd probably make 1,500 to 2,000. So, why not for the sake of our family do that? That's what I've been thinking about doing, but at the same time, I'm like, the one rookie who plays for the Pirates, the local team, He's the best pitcher in the MLB. So, it's like, do I

sell that now or do I hold on to it because let's just get out of debt to meet our future goals that we want to do. Yeah. Or what's what's more important? A card, a potential day trade of it or our family? I'm choosing our family. I'm choosing the household. That's what I'm choosing personally. Yeah. That was Oh, and you collect, too. What the do you collect? Manga. Manga. What the is a manga? Isn't That anime something, right? Yeah, it's uh Japanese comic books. Okay. How much? Uh about $20 each, I think. And I have

about Oh, 30. Some of them are 30 cuz some of them are light. How much? Uh total. Yeah. How many? Uh I have maybe 15 of them. Okay. It's not the worst, but it's it's priorities of where we're going, man. It's priorities of where we're going. Yeah. I mean, we're going to be kicking into that 22.24% 2 4% interest rate. Like that is not the life we want to live in 9 months. No. And what is required to pay this off in 9 months is certainly not what you're doing. You're only making the minimum monthly

payments. So with that balance what was at $3,92? Yeah. 9 months you got to do $34355 a month. Sam's Club. Okay, we keep going. Luckily, this one's relatively small. It looks like you might pay this one off every month. So, I'm not going to write It down as a debt. But right now, it's at 16769. Mhm. Because you purchase 197769. Yeah, that one's for the Sam's Club groceries and gas that we just get there. And I do pay that one off every month. We just opened it maybe 2 3 months ago. Why are you opening

new cards if you can't manage your other cards? I'm glad you've done this well for a few months, but your other cards are showing that you cannot do them Well. In fact, you're balance transferring to get out. Yeah. To get out of the world of interest. What is suggesting that you are safe enough with credit cards to be able to make it? I figured with that one, we only spend that at Sam's Club. That's not a spender that we use, which I hope for now. For now, it's 3 months. Look what you've done with your

history. It's the history thing. I know that if I have uh thin little Debbies in my house that Historically I eat them. Oh, I did well for a month. I I'm okay to have them in the house now. Uh-uh. I probably fall back into it. are just human instincts and you guys are clearly not good with budgeting or spending or managing or credit cards whatever it is that we are discovering along the way. You might do well for a couple months. This is a dangerous weapon weapon with that card. That card never stays in my

wallet. It always stays at Home unless we are going to Sam's Club. Okay, for now I I I agree with you and I believe you. It is based on your history that this is a ticking time bomb and that's what I'm trying to not do with this one is do any of that stuff because I know it's a ticking time bomb and so that's why I leave it at home and I never want to spend any money on it other than just for our grocery. Is this the second Discover it? Yeah, that's my uh personal

Discover. Oh, for [ __ ] sake. Okay. Also paid off every month. Yeah. Yeah, that one that's the one that we really hammered down on over the past maybe year, year and a half. Um, I had a balance on that one of maybe like 4,000 that we just paid off. But even the spending on this is I mean it'sing Open AI and Microsoft Ultimate. It's like we can kind of cut that. Yeah, Microsoft Ultimate is my game pass for my Xbox. The chat GBT is what I help uh helps me Make lesson plans for school

and for my homework and stuff. Future is your children's education, ladies and gentlemen. It's I'm just saying let's we the more and more and more we can cut out the better cuz you are not making enough to survive. Mhm. You're a substitute teacher. Come on. Yeah. Come on. Let's be honest. Yeah. Yes. It's stepping stone. Hopefully that stepping stone is done by the end of This year, which I'm down for. It's just like I don't think you need this right now. Yeah. I I I can agree to that. Honestly, I'm going to go Dave Ramsey

about it. Let me get the hands in the armpits. You know, you shouldn't even have enough time to be playing your Xbox with how much you're working to get out of debt. Okay? And honestly, there's a part of that that is true with you in this situation. It's a it's a situational thing. Do I want you to do That forever? No. No one would suggest. People think I'm mean. Oh, work. Can't spend money. Okay? They're little [ __ ] The fact is, I want you to actually live a better life. And sometimes you got to

make a little bit of a sacrifice in order to do that. Just sacrifice. Okay. Temporarily so we can get to the goal. You guys have a 20-year goal. Mhm. That's awesome. A lot of people don't have a 20-year goal on this show. So, let's take that and do what is Necessary to get there. And right now, it is kind of something hardcore that is working our ass off and it's cutting the unnecessaries. Even though you pay it off every month, it is still money that you have to put towards the card that could be going

towards the rest of your debt. A farm. Oh, that's dangerous. Especially for you. Yeah. Yeah, that's uh our mattress. What the are we even buying? Mattress and that Was her. You could have cheapified the mattress and the phone. You did not need an iPhone. It sucks. It's horrible. Yeah, my old phone was also not worth I don't know, dude. Just get an SE. It's cheaper. Okay. Affirm me. Are any of them interest? No. No interest. Thank What's your minimum monthly on all this? Uh the $4142. Yeah, 4142 for the phone and the mattress is about

$6970. Okay. So, we're looking at $1112 on a monthly basis. And we owe $1,67346. Yeah. Nectar. I got nectar. Nectar is a good bet. You did not need that. When we're dying, when one's unemployed, and the other one's making pennies, we don't get the nice mattress. And I love my nectar. Okay. You don't need it. We don't need a brand new iPhone. Well, these are priorities in life. Well, what? We kind of did need the bed cuz the bed that we had was like two Twin beds. You did not need a bed. That is you

do not need a bed that is literally more in value than the GDP per capita of your homeland. That is not what we need to do to survive. When I moved down here, I slept on an air mattress. Survived for 6 months while paying off debt. Then when I did upgrade, I got a $300 mattress. There are so many options between sleeping on the floor and getting a near $2,000 mattress. There are options. And This is what we do when we want to live a better life. This is what we do when we don't make

much money. I'm sorry. You don't get to live the life of the rich and famous when you don't make the literal median household income of the United States, which is close to like 65,000. You make less than half of that. So, I don't give a You're not getting a nice mattress. Also, less than half. We do make more than less than half. I make About 45 a year. 45 a year. Substitute teaching brings in about 35 plus I make close to 10 with CVS. You're you're extra. Okay. Yeah. It's that extra that keeps cuz it's

still not wonderful but cuz I don't think you're making 35 with your substitute teacher with your with what you make working fulltime net. Well, I'm thinking net, right? I'm thinking net is like that's if with no time off is 33 and I you have a lot of time off. I'm guessing you're closer to Like 22. Uh, I've only taken off no three days. The months for the teaching income. Uh, yeah. The summer break, the winter break, the spring break. Look, you work six days this month. But 175 times, we have 180 days of school and

I've only missed this is my fourth day of school that I've missed this week. So, I've been there 88 180* 175. 175, but that's not 175. No, that's probably times 88. You said 180. 180 years, sir. 180 days. Yeah, it's probably closer. Like I said, 25. I said 22. 25. Okay. Yeah, cuz they take out a decent chunk for So, it's probably even less. It probably is closer to 25. It's called pasers. They take it out. It's the Pennsylvania State Education Retirement Service. There it is. Yeah. At some point, you'll get it. Hopefully, it's being

invested. Well, they don't uh they m I think they take four and then I put in an additional three or four. So, is it a pension or do you get to control What it's going in? Uh I the one that I'm in now is a pension cuz they have a bunch of different categories of it, but you can't get in those other categories. Pensions in the United States sucks. They invest like [ __ ] Yeah. Like the Canadian teacher, the the Ontario teacher fund. Woo. They own like 5% of the world. So like uh like

the peasers thing that they call peasers, but like I put 4% in. I think they take 4% out. So it's like a decent chunk of my check That comes out. But it just usually doesn't return what you'd want to see. Yeah. Your own investments. That first 4% is mandatory. Like they take it out for anybody. Um, and that second 4% is like voluntary, but they kind of default that as so I can take that out. Um, but you can only do that once a year. So I can't get into like the actual teacher pension, like

the good stuff until I'm salaried. Well, you'll get there. Yeah, that's not my biggest concern. My Concern is I see this [ __ ] bull. No statements for these, but these are numbers. Okay. I see car lease one 789. Is that what's left? Uh, yes. That's what's left. That is my car. I have two months left. Uh what are you going to do in two months? What's what's what's the buyout? 135. Just 1,300 13,500. But the car is worth about 17 to 175. But we also don't need two cars right now. So my what are

you going to do? My thought process and I have to talk to my brother-in-law cuz he sells the cars. So he know he knows more about this than I do. He's But he's not the guy who We bought the cars off of him, but he doesn't work there anymore, but he has friends that work there. Um, since my car value is more than my residual, buy out the car and immediately sell it. Make two, three grand off of it, whoever wants to buy it. I know. I I would talk To him. I would talk to

him. I'd really try to get him to assess it. I really try to get him to assess it. I'm down. I am down for it if it actually works. And I want you to be very careful about it. Yeah. I have over three years I only have 14,000 just use the one car. Yeah, cuz she's not working. Okay. So, I'm going to cross that off for now. Uh that minimum payment will be gone in a couple months. What is the minimum for now? Uh on that one, it's 260. The next two Months. Uh 263. Okay.

For probably Okay. The next few months. Okay. Carly Ste. This one's bigger. We have a remaining 5,760. Not ter terrified about the balance. That's not But um Okay. But what's the minimum monthly? And for how much longer? Uh 319 and some change and it's for another 18 months. See 31950 we'll call it. How many more? 18. We're like halfway through these. How are we doing with mileages and everything on these? Super low. Mine which is why we Only need one car. Yeah. Mine that's about to be up in 2 months. I have just over 14,000

miles on it. So I'm under half of what they expected. Um so that's why mine's worth a little bit more. And on hers, she's at about 115, which is under what she should be for this time in the lease. So, well, that part's good. And you haven't fooked anything up on them. Good. So, let's use this one car. But when we're using one car, our mileage will be a little higher, but not Terrified with what you guys do. Yeah, cuz I mean my a home and then you goon permanently for the evening and then I

go, you don't know what you do. She games. Marvel Rivals, right? Yep. Got to buy the skins. Okay, so 319 a month on that forever. Now, this one's disgusting. Student loans. I see a couple different things. I saw a different number in in here than here. How much in student loans do we have for her name? She has about 20. Why the Oh, Cuz you went to school here. Yeah. Why did you go to school here? Um because my sisters were here and they said it's amazing, so I came. Yeah, it's fun. She was going

to take an American degree and go back home and degree is worth much more over there. Yeah, but how much more do you get uh to put in 40,000? What do you get? How long does it take back to earn that extra 40 versus not having an American degree and having a Zambian degree? A Long time. Exactly. Yeah, that is a truth answer. I like that. Okay, so how much for her? Uh about 21. She has a loan for 16 and a loan for about five. What's the minimum? um 129 and some change and then

about 60 or 70 on the other one. We pay I think it's about 190 total. Yeah. And then you what's going on? Um Joe, uh so my mom has loans that she took out like parent plus that are in her name. Okay. But that's not in yours. So I'm not too Terribly worried about them. I get you probably want to pay back and I'm down for it. Uh but let's worried about like what's in your name. Uh, so just in my name, I just paid off a Discover one that was 5,000. Uh, student loan or

private student loan? Discover. I had to get one for my last semester of my bachelor's degree because So, are the rest federal now? Yes. Everything else? What? How much? Um, I want to say maybe around 35 to 40 just in my name. And There's about 40 in my mom's name. Okay. How much for your 40 is your minimum monthly? Zero right now cuz I'm in school, right? Yep. And that's okay. That's okay. That's good. That's good. And so I'm in school. I'm taking one class in the fall that goes along with my student teaching. Student

teaching should end in about You have to borrow more. I have. So they gave me that money already. It's sitting in my account. So I'll use that account to pay. So if I See that, it's not going to count. Yeah. So where is that in here and how much? Where's the cash? That money? Yeah, that money is in my personal savings account. Okay. So we'll see with that. So this is Is that it for debt? I think that's it for debt. Is that it for debt? Yes. Yeah. Okay. Citizens. Okay. So, in here I see

6,243. What is this? What What's up with this account? What's going on? Um, So that account, that's the one that has the most in it, right? That will be our joint account. So, that's what we use pay our rent, pay our And none of this is for the the school. No. Okay, it's a good balance. Why isn't any of that going towards debt? So, I'm worried with over the summer if one of these jobs don't hire me that I kind of need that as a backup fund just to pay those bills. That's true. Yeah. So,

I don't want to spend all that money and then we End up having no money and then no place to live. 1,690 in this one. It's just money back and forth between things. Yeah. So, that is my personal account. I get paid into that. my paychecks come and then I just transfer them on our bank's app to the joint account. Then 1,988 in this. What's this? That is the student loan money. That's it. That's all it's going to take to make it one class. Okay. And that's what I want to talk about too with that

uh student loan Thing at the end. Student teaching. Sometimes paid, sometimes unpaid. Don't know yet. Okay. Well, hopefully is you're going to be working your off outside of school hours. PA started a $10,000 grant last year that I applied for within like the 10 minutes they opened this year. Um they're waiting for more people to sign up and if I get picked it's $10,000 over 3 months and if I don't get picked I have to work for 40 hours a week for free. Yep. And then You're going to work 40 hours a week outside of

work making money so you can survive. But luckily I signed up enough for it to Yes. He's going through probably without a break because he's a big boy who's going to do a little bit of a sacrifice and maybe you should too. We have a very heavy work culture here. Yeah. Yeah, I've noticed. But it's for a good reason because if you want to spend like crazy, you have to earn. You don't just get to live the high life and Not provide anything. $2,784 in what assets? My Bitcoin and Ethereum. I mean, listen, I am

that's okay. And then that's what we're having in Robin Hood as well. 2,500. Here's the thing. I am not against crypto. I have crypto for like 1% 2% of my portfolio. Uh the thing is just sell it for now. Just sell it for now and pay off the interest debt. Lower the risk over your head because you're headed into a summer with I don't know the pay. We just Discussed that. I'm going to go into student teaching for a semester, right? Is it a semester or a quarter? Yeah. Uh, I don't know the pay. So,

lower the risk of the debt over the head. Let's minimize our minimum to payments that we are required to have when we don't know what the pay that we're about to have is. Okay. It's not about the crypto. It's about sell it. It looks like it's lost some value anyway. So, there's no capital gains taxes that you're going to Have to pay. Boom. Pay off some of the debt. What do we have in crypto total? Um, so between those two, I want to say maybe four. There you go. Pay off city double cash. Yeah, cuz

double cash and most of a firm. There you go. Is it taking care of interest? No, but it's taking care of minimum payments. It has taken care of about $151 of minimum monthly payments that you no longer have to take care of. Yeah, I bought into those right during COVID when like I had no expenses cuz I was still living with my parents, which is great. And I honestly I I don't need the long-winded version. just sell it and get just there's no point of having minimum payments over our head when we're going into an

income situation that we don't fully know. Okay. Right. So you think it's worth paying the city one off even though that's no interest over the discover with the where you know need to get I'm Trying to get rid of minimum payments for you right now. Little less about the interest but the minimum payments when you don't know where your income is going to be coming if any. Okay. Soon because minimum payments get scary. Interest makes the balance go up. Minimum payments are required. Mhm. So total income right now, well with both your jobs combined, what

are we looking at net on a monthly basis? Um again, if full 10 week or 10 day weeks, um it'd be 2,800 for the school and then 10 at 19 would be an extra 380 before tax. Okay, we'll call an extra 250. So three 10 * 9 3. So it' be 720 per month, 380 per paycheck. Oh. Oh. Oh, okay. 720. So, we'll call in an extra 600. Yeah. 3,400 on a monthly basis. Debt minimum payments. Let's get that. Not including Louis that's about to be paid off cuz Yeah, no need. Either way, that's being

gone. Whether I buy it out and sell it or just return it, which I Definitely Yeah. This is what you guys have done with your choices for the critical one-off purchases. $888.62. What's your rent? Thousand even. Okay. Utilities, including internet, preferably. Um, internet's 50 a month. Electricity varies. Um in the winter time usually average give average gas and electric. Um we don't pay gas, just electric. Electric. Give average. Um for the full year maybe about 120. Okay. Cuz summertimes vroom v room drive gas. Um I fill up once a month. So 40 a month for

me. And then she usually fills up once to twice a month. Yeah. Twice a month cuz her sisters live about 45 minutes away. Um total for both of us. Yeah. About 120 a month. Uh, is car insurance per car or per individual in Pennsylvania? Um, per car. Okay. So, what's the car insurance on that car? Cuz that's going to be the Only car. Yeah. So, right now combined they're 212. If we get rid of her one car, it's going to be a little more than half that cuz they give us a discount for having two.

Um, so maybe about 110 120 for the one car. I'm going to call it 120. Phone bill. Um, we have mint so we each pay $180 every what? Three months. A mint. Do you pay for 6 months? Oh. Oh, every six months. Sorry. Cuz they don't do a per month. You have to buy. We'll call it 30. Yeah. Okay. TP fund. Going to call it 150 bucks. Anything else you need to survive in life? It's makeup, blah, blah, blah. Groceries $600. That gets you follow the meal plan, meal prep. I don't care if I want

to. Medical, healthcare, monthly basis. Uh, ours is really cheap right now because we're on one income. It's about 50 for health insurance and about 30. Does that take before pay though or after? I we go through like the state it's through Penny afterwards. So, okay, Go ahead. Continue. How much? So, through Penny, it's about 55 for healthcare for both of us. Um and then our dental and vision is through someone else it's about 35. Now, what about co-pays on a monthly basis? Typically, um she no prescriptions or anything. She will do therapy twice a month.

Co-pays are 35, so 70. Um and then if she goes to the doctors or whatever, that's another 35. But that's usually once every two to three months. Two to three Months. Wow. Okay. Put an extra 20. Okay. So, I'll call it 180. Okay. Do you have any pets? No. Good. Anything else that needs to be in the budget? Not that I can think of cuz everything else is kind of expendable. Well, and this is the stupid stupid stupid part. I get it with the passport. That is, you know, a interesting thing. But you guys make

enough money to break even if you actually lived within your means. But You refuse to because I don't want to. So I don't give a at this point. This is your choice. You are choosing this. Now some months are going to be less, but you need to go get more. You supplement that income bying driving Uber Eats if you have to. You will do anything. I know it's not perfect. You different type of car insurance requirements. You will do anything that is necessary legally to make the money. Okay? You will be selling buckthole pics on

the Internet. That is a joke. I'm in. Um, that is my retirement plan personally. Uh, okay. But yeah, so you will get this income no matter what. You will work all the jobs, all the hours, all the days to do it, but you have an extra $141.38. Will we make substantial progress on that? No. But we can keep up and we can start making small incremental progress towards the debt. You will sell the car and hopefully you Make some money. If you do, pay off a car, get rid of minimum monthly payments. Okay? Boom. There

we go. Maybe you can't do that. We don't know. Figure that out and be safe about it. Don't get yourself in a situation where all of a sudden you lose, you know, it gets dumb. Okay. Uh now big thing, you're right. All right. I wouldn't pull from that checking account, but I would liquidate our crypto and I would pay off some of these Debts to eliminate the minimum monthly payments, maybe the affirmed especially cuz that's a chunky minimum monthly payment. Mhm. And then I would just start grinding on from there. I mean, even with your

debt, with your money that you have towards debt, you can pay off that that blue cash in like 8 months, you know, even with your current situation. So, we can start eliminating some of these minimum payments. I think you guys can live the dream you want to Within this 20-year thing and you can save up enough to do it and get out of debt, but not in your current lifestyle. Your current lifestyle is $120,000 a year lifestyle making 40, you know. So, we this is behavioral. You need to budget. You need to use the budgeting

app. You get the premium version forever. Take the classes. You know, it sounds like you know some things, but you guys need to take it together. You need to take the budgeting one and the Debt one. Understand the consequences of the debt. What's good debt? It's bad debt. Take the budgeting class together so you guys are united on what is good and bad. Do this and then the investing class for what we need to do to save up for what we want to do in Zambia. You guys can do this. It is literally just the

basics for you guys cuz you make enough to break even. Not a lot of people have that on the show. You guys are in a blessed position making almost Making very low income and still having enough to make it. Okay, even after all the mistakes we've made. So, with this, you just need a budget and grind out the school thing, get in your career, then put everything we have towards this. Build up a six-month emergency fund, then we are saving and investing, and then you can live the life that you want to live. Absolutely. Now,

there's an absolutely crazy thing that we can't talk about for privacy reasons, but they Agreed to talk about in the post show because it's behind the payw wall and other people won't see it that they are trying to hide it from. Uh, spend in your budget, you overspend 0 out of 10. Debt, no collections. It's not the worst debt. It's just the income going along with it. That's not the best. Student loans are pretty brutal, though. But I'm going to give you about a 2 out of 10. Emergency fund, we do have a little bit.

We're about a four out of 10 there. Retirement pension hasn't been going for very long, has it? Uh, two years. It'll be two full years. I'm going to say about a 2 out of 10 there. Cuz I know you don't have anything in real estate. Zero out of 10. Can't buy our $20,000 house [Music] yet. Okay. Hey, it's going to be Hammer Financial Core. Round it up just barely. Two out of 10. Join us in the post show. This is about to get juicy. $16,000 Student loans are private. She's not allowed. I can't get federal

loans. Sick. Oh my is an evil. I don't think Sally May can come for me. Do you have to keep paying your your student loans? No, I don't think I could. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.