Pearl - MODERN WOMAN Bankrupts Her BETA Husband! ｜ Pearl Daily

00:00:00.000 Good afternoon. Good evening, ladies and gentlemen. Welcome to another episode of

00:00:05.340 Pearl Daily on the Audacity Network. I am your host, Pearl. And today we are going to be doing

00:00:10.720 part two of Gold Digger Exploiting Beta Husband. Please like the video and subscribe. And if you

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00:00:23.980 There you can donate and you can also be a part of our exclusive live chat and our members only

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00:02:01.280 join the membership link in the description below or are you going to cancel this vacation like a

00:02:05.720 34 okay so if you sorry okay so if you guys don't remember from last time this guy is a

00:02:13.700 financial auditor and he brings on couples or individuals onto his show and this is a woman

00:02:21.000 that is completely exploiting her husband he makes 120 000 a year and she just loves spending his 1.00

00:02:28.200 money your old adult that sometimes needs to make decisions that aren't super fun yes yes all you

00:02:35.360 say is yes we're gonna cancel the thing say it's not that hard i can cancel this i don't know what

00:02:41.440 to do here i i don't know what to do i don't have the energy for this dude i i don't have the energy

00:02:47.040 for this man i mean like 50 and you can't i can't even get you to say you'll cancel a vacation i

00:02:53.040 will cancel it i will cancel it i don't know what even is this debt so i can just label it

00:02:59.120 it's upstart okay i hope there's something to yell at you about because i do feel bad but come on what

00:03:03.600 the that's the most childish thing and you're taking out debt without him even knowing what's

00:03:08.240 the minimum fee payment on this thing 159 congratulations you have 159 dollar minimum

00:03:13.840 fee payments that you have to take care of now with your income because you only brought in a

00:03:18.080 few hundred bucks all right pottery barn card we have a pottery barn card i've never even heard of

00:03:24.480 that yep what are we doing better been some well i went to some friends houses i saw their house

00:03:31.920 and i was like we redecorated yeah we did we got new coffee table cash flow you guys make money

00:03:38.080 people to come over in our house not be not decorated cool no no do it cash flow you guys

00:03:44.080 make money i know but why do we have to go into debt for it we don't have to buy the most expensive

00:03:49.680 thing either when we do it here we go i did buy so part of that party barn was that i get a desk

00:03:55.760 from that one no no i thought i got a desk from potter barn i don't know but there was a pass do

00:04:00.560 fee you eventually made it up but there was a past do fee yeah so we're not even responsible

00:04:06.720 enough to pay it off and you're the one in control the finances i just forgot about it

00:04:11.280 it wasn't on autopay didn't forget to get botox no i didn't forget to do that well we forgot to

00:04:15.760 make a minimum monthly payment i called them and told them hey i forgot to make it like you can

00:04:21.040 look at my you know account and see that i've history yeah and see that i've paid it every

00:04:26.000 recent so they waived it okay promotional balance through essentially right now actually some of it

00:04:32.260 just ended some of it ended a couple weeks ago see there is no remorse from this woman she does

00:04:37.720 not care she does not care in the slightest and some of it's ending in a week from now and so

00:04:43.600 interest is going to start 32.24 interest is going to start on this foolish but the balance is only

00:04:49.540 like four hundred dollars then pay it off yeah then pay exactly i'm okay i i'm going to i plan

00:04:57.300 on it but i don't think so because again three thousand hours was spent more than brought in so

00:05:01.860 i know but i always i always make like i don't have missed payments on i know i did on i told

00:05:08.020 you it was not on auto pay and i forgot about it and i was like crap so yeah i did miss the payment

00:05:13.780 but like my normal my normal routine's not what's normal this is normal this is the month that you

00:05:19.300 live this is normal yeah i guess i guess so okay okay here's uplift so not upstart but here's the

00:05:26.500 other secret loan right yeah this is for our trip that we just took great that trip is at 20 interest

00:05:33.620 yeah not good awesome so again as i always say i opened my brokerage moomoo and i'm getting in

00:05:41.620 the s p 500 you know all about it you've watched graham he talks about index funds like someone

00:05:46.900 addicted to them wonderful you know that you're probably getting eight to twelve percent a year

00:05:54.100 up and down years combined on them this is double i mean this is double so it doesn't even matter

00:06:00.020 it's like what do we do i just don't understand i mean i mean first of all no birthday of yours

00:06:05.780 even matters until you're 59 and a half at this point you're not getting any no birthday is

00:06:11.220 different i'm about to join the 30 club nothing matters anymore no birthday matters anymore

00:06:18.340 just like taking trips on our birthday but we don't have to like can't can't you take a trip

00:06:25.060 like to the local pool i mean what can you do that's that different in another country what

00:06:31.780 we can if it's all we need to build memories out and so we can build memories at the house i don't

00:06:36.260 think we took one last year good because you're not taking one this next year or the year after

00:06:40.740 not last year on your birthday but we still took one in october on our daughters oh yeah we did

00:06:44.900 go to disneyland yeah and she does not remember it she will not remember it i know no but it's

00:06:51.380 like it's a tradition we took our son but it's a tradition that we don't need to have it's a

00:06:56.100 tradition you just started they're barely alive they were just birds tradition this isn't some

00:07:01.700 historic tradition tradition from the 1700s birthday last year so a first is like a milestone

00:07:08.820 So it's not even a tradition.

00:07:11.220 That's because you wanted to do it.

00:07:12.620 It's not for her, it's for you.

00:07:14.160 And that's, if that's the way you wanna do it, that's fine.

00:07:16.900 But like, we don't need to do these.

00:07:18.820 We need to pause until we get all this stuff done.

00:07:21.060 I don't know what to do here.

00:07:22.400 I don't know what to do here, guys.

00:07:23.760 I feel like, and I don't even wanna,

00:07:26.000 I'm not even, I don't wanna even necessarily

00:07:28.500 just be on your side and say you're doing well.

00:07:30.440 Cause I don't know, we haven't gotten through all this,

00:07:32.240 but it really feels like half of us wants to at least do okay.

00:07:35.420 And the other half doesn't give up.

00:07:36.620 I do care.

00:07:37.820 But no, you don't.

00:07:38.820 But see, women, we have a tendency to say we care, but nothing matters to men if no actions follow it.

00:07:46.980 So saying, I'm trying, I want to, none of that.

00:07:50.200 Men do not care until there's action behind it. 0.50

00:07:53.540 Your actions do not indicate that whatsoever.

00:07:56.180 You might have a part of you that cares, but your wanting of going to Disney as a first-time tradition outweighs it.

00:08:04.860 Botox outweighs it.

00:08:06.800 Chick-fil-A outweighs it.

00:08:08.120 new home in West Palm Beach outweighs it so we can get destroyed in a hurricane

00:08:13.360 ways so yeah you might care but all the care for the fun and enjoyment the

00:08:19.360 instant gratification is what you care about more so $3,143 is owed on here with

00:08:25.160 $160 for your monthly payment 20% interest okay Apple card $3,000 it's

00:08:31.360 mine oh I'm shocked I'm shocked to learn this what'd you get I have no idea what

00:08:37.240 what did we get because we we opened that card to she she needed a new laptop her laptop was fried 1.00

00:08:43.880 it it had been a long time got her a new laptop i got a bonus we knew it was coming we paid off

00:08:51.800 that apple card yes we we paid it off and then all of a sudden i charged it's got a balance again 0.99

00:08:59.640 i don't know what was it i don't know what are you kidding me open up your damn 0.99

00:09:03.400 app for me then open up your app i don't think i can what because i haven't it's been charged 0.95

00:09:10.360 maxed out since like april okay so i don't know how to like go look well i mean open up your wallet

00:09:16.600 app it's in your wallet okay oh good you're not even on it no i do i just thought the statements

00:09:23.320 i can look back i have that magical ability of clicking a few buttons transactions okay

00:09:30.200 yeah no let me look it ended over crumble so we are we have upgraded from the tips treats yeah that

00:09:36.600 place is pretty good posh mart okay well you're just you're i mean you're still i mean lc that's

00:09:42.440 for a conference that he's going to oh yeah christian conference in dallas next weekend

00:09:47.240 you see it play out this is what they try to do to the christian guys this is what they're trying

00:09:52.520 to sell you gotta fix women's problems really guys you don't owe women anything you pay taxes 0.60

00:10:01.340 that protect us you pay taxes to keep society running most of you do jobs that keep society

00:10:09.780 running you you don't owe women commitment you don't owe women monogamy you don't owe women 0.84

00:10:16.620 anything okay you can kind of go to those for free on sundays i don't think we need to be

00:10:22.420 spending money there's a conference that happens most of those religious places yep you know

00:10:29.620 posh smart great american airlines so man i was gonna i was thinking yeah dry bar panero bread

00:10:35.720 h&m i was a dry bar church so let me we're come on what is what what there's like the cafeteria

00:10:42.720 or like the cafe pack of lunch chick-fil-a chick-fil-a you go to that cafeteria every second

00:10:48.980 your life olive garden okay i thought this is a stay-at-home wife it's crazy she has time to cook 1.00

00:10:53.860 it'll be a big purchase that got us up fleet feet european wax center gotta get wax for church lift

00:11:01.140 door dash papa j oh yeah that's another thing we can add to how expensive is the woman carnival 1.00

00:11:07.380 there it is there's some hundred six hundred dollars there target 280 yeah we took a cruise

00:11:13.540 for spring break and then i see the payment that likely came from the bonus all the way back in

00:11:18.260 in february yep gosh and then from there it was just a bunch of little you know what happened

00:11:23.060 immediately after that vineyards vine 607 yeah we went to the outlet mall and then i got a little

00:11:28.580 crazy you didn't we didn't go the outlet mall you went he stayed in the car and then he's like why

00:11:33.060 are you taking so long and then i charged like however much 600 yeah but it was all on sale

00:11:39.540 it's time to divorce it's time go to the courthouse why do men fare better financially after divorce

00:11:46.340 right here i'm so glad we can see it in front of us i am so glad like it if you're gonna spend

00:11:52.180 something like that call me before you do it and i could probably talk you out of it in that moment

00:11:56.180 the thing is i know you guys know how to like do stuff i i want you guys to go through our

00:12:00.500 budgeting class together i want you to go through our investing class together i want you guys to

00:12:04.660 go through our debt class together so you know the best ways to get out of debt and the best ways to

00:12:09.140 utilize that i want you guys to go through that take the educations you guys get them for free

00:12:12.900 for being on here but again it's like just like our audience can go through them that's just a

00:12:20.180 part of it it's like me going through math class you know i get the education but if i'm not

00:12:24.660 internalizing it if i'm not putting anything into practice it doesn't matter you know if i'm just

00:12:30.260 going through it to be able to take the test and ace it doesn't matter you know if i'm not learning

00:12:35.060 the life skills and that's what concerns me is you guys can talk about what is right but you don't do

00:12:40.660 anything and that's just what concerns me here guys and that's why i'm almost defeated in this

00:12:45.760 conversation yes okay sure i'm not feeling great so i'm a little low energy okay great but also

00:12:50.580 it's just like you guys already know what to do and you're just not doing it and what can i do to

00:12:55.320 make that different a lot of times that is most effective on this show is people come in they

00:12:59.160 think their situation is better than it is and i give them a wake-up call and i can connect them

00:13:02.260 with resources because i already know what to do and you're just not doing it and i can't force you

00:13:06.980 guys to do it that's something you're gonna have to something's gonna have to happen a rock bottom

00:13:11.320 or who knows that's just gonna have to be like oh now i care more about this than doing all the fun

00:13:17.720 so i really think that you telling her a lot of this because i can tell her something and then

00:13:23.420 two seconds later someone else will tell her and she'll say oh women have to have fear of their 1.00

00:13:28.560 husbands i'm telling you if the woman does not fear that he will leave or that there is some

00:13:34.460 consequence and unfortunately what how can men impose consequence on their women in 2024 can they

00:13:43.820 divorce well they can but she can take the kids in half as well but that is an option option two 1.00

00:13:51.580 they could take away her credit cards but then the consequence for that is women can claim 1.00

00:13:58.380 financial abuse. Yes, we can. Really, I would recommend divorce. I know I used to say that

00:14:06.040 divorce should be banned and I really meant it at the time, but I don't think men should be subject 0.66

00:14:12.560 to this misery for a lifetime because she has all the power. That's why she's not scared because he

00:14:17.500 can take away her credit cards. Guess what? They bring it to court. Financial abuse. She knows 1.00

00:14:22.080 she's in the state of texas and the state of texas i know they're looking at a law that makes 1.00

00:14:28.900 abuse even broader in texas the only consequence men have is to take away their attention that's 0.99

00:14:35.700 it that is literally all you got they used to be able to slap a bitch but not anymore 1.00

00:14:40.280 sorry you have to edit that out you see why they did back in the day someone just told me 0.78

00:14:44.840 the answer to this question when i already gave it to you yeah but also but i mean you've been

00:14:49.300 following all the so all the finance stuff i guess i just watch it for entertainment and i don't apply

00:14:56.820 guys on care credit we owe eight thousand four hundred twenty three what is this even for i got

00:15:02.260 my broke done but it was like fourteen thousand why it's fourteen thousand for the yeah yep was

00:15:09.540 this a requirement was there was this for you was was it pressured no i just wanted to get it done

00:15:15.940 in the spring time before summer yes so like march okay i mean i for self-confidence sure

00:15:23.460 and again i don't really give up you guys spend your money on if you budget it and just

00:15:27.780 but you're putting it on debt it's just finance you have finance you're financed

00:15:33.300 when you're okay with telling people that yeah i want you to go ahead and walk around on church on

00:15:38.420 sunday and go up to the pastor and be like yo these they're financed guy no that's i want you

00:15:45.140 to walk around the cafeteria there and be like finance is financed they're not all natural from

00:15:51.940 up there these are financed i didn't get implants i just did a lift after breastfeeding my kids

00:16:00.020 this lift is fine oh my gosh yeah this is the stuff you guys gotta calculate how how insecure

00:16:07.300 is she how bad does she want to be hot that's the guys the kids brought them down this dad brought 1.00

00:16:14.740 them up okay yep we had a conversation before you were in full agreement of me doing this

00:16:22.580 i'm sure he enjoys them i i either way i was happy i didn't care i didn't you didn't need

00:16:27.940 to do this i didn't ask you to do this this was your decision listen sag lift all i care

00:16:35.220 is their finance you ever feel like you're just burning money on car insurance that used to be me

00:16:39.940 or to cash flow it again if you cash flowed them so i wouldn't give a do whatever you want

00:16:45.620 go go to brazil get that bbl do whatever i don't care you know but that takes longer to cash flow

00:16:50.980 it well no but now you're paying for it you guys have respect i mean yeah what the am i supposed

00:16:56.900 to do with that you know that statement is incorrect in this conversation you've watched

00:17:00.980 the show and this is why i am just borderline so close to just being done i'm just so close

00:17:07.780 to just being done guys it's like what do i even do with them what's the minimum payment on the

00:17:12.820 apple cart i didn't get it 80 okay you have to pay this off and the interest starts accruing

00:17:20.100 a year from now get her back get it on debt all right harbor freight what is this for

00:17:27.220 this has man written all over it we got a generator after the hurricane you know what

00:17:32.980 your barrel i don't want to be on his side but that is what like that purchase makes more sense

00:17:38.340 than everything we've talked about so far i don't know how she even said that any of this was him

00:17:44.500 i mean he spends 200 a month on tobacco who cares she just felt spent 14 grand on a breast lift 0.65

00:17:52.340 because i'm getting a generator too my power goes out like crazy i don't know why it's an obnoxious

00:17:57.620 what but again also we could have cash flowed it i know i think we just wanted it right then

00:18:02.900 so we're like let's just charge it and then we'll just pay it off yeah i mean that's why we did it

00:18:07.380 but why didn't you pay it off then because other things came up and so that got the back burner

00:18:14.020 what what came up the vacation well i mean we were in a wedding and so like other expenses

00:18:19.620 and then i went out i flew out to la to get my hair done so that was what the are you talking

00:18:24.100 i told you that i called all of these at the beginning please edit that in edit in me saying

00:18:31.060 i think the hair is gonna be a couple thousand she's gonna go through this expense oh i'm gonna 1.00

00:18:36.660 have gotten it i already know talking about no one can do hair in houston not really okay that's

00:18:44.580 bull she flew her guy that she's gone seen forever that she's from oklahoma originally moved to la

00:18:52.420 so because she's able to fly and she went out there actions just ask people listen you have

00:18:59.140 next door written all over you ask people on that app what their favorite hairdo person is okay it

00:19:04.740 was like i was in a wedding so i really wanted to go out and see him and have him do my hair

00:19:08.500 so i thought that's an expensive hair yeah i was like 700 with tip plus the travel well no the

00:19:16.180 travel all of it was free yeah i just hopped on a flight you flew there and back in the same day

00:19:21.380 and then i flew home no food no some coffee that's still even still that's expensive haircut

00:19:30.820 it was color too yeah she got her hair colored so it took but even then it was it's a lot i slurged

00:19:37.940 for a wedding that i was in i need you to get me over the fear of flying i recruit you on that

00:19:42.980 mission oh we can do that because i want to travel i want to be able to see things i mean you're

00:19:47.940 safer in an airplane than a car that's not my fear it's being stuck in a place i can't get out of

00:19:54.180 i don't care about being in the sky well if you take enough like then you'll be fine if you don't

00:19:58.740 have to do you know some kind of medication to get over that fear that makes sense so this is

00:20:03.860 what happens remember how they say there's like good women that are raised in other places she 1.00

00:20:08.420 was in oklahoma the most attractive women go to big cities and then she probably moved to houston 1.00

00:20:15.540 to find a cleanup guy which is him and christian checks out yeah i would like to just yeah be able

00:20:24.180 to do it like it would be one thing if she came in with no debt was an asset to his life watched

00:20:29.780 the kids cooked home cooked meals got on his program but this is the marriage you guys are 0.98

00:20:35.620 selling this is what you're selling to men you're saying sign up anyways yeah men aren't stupid 0.98

00:20:42.820 they are not they are not dumb and the younger gen z is not with this they are watching and 0.77

00:20:48.340 they are learning what is the memorial herman my delivery with my first baby but again we've just

00:20:54.580 paid everything on it we just have been paying just but i know you guys can afford let's just

00:21:00.420 you guys make good money this is a thousand bucks thirty dollar forty four cent a month payment this

00:21:06.420 is i mean i've called them multiple times and said hey i want to pay in full can you give me

00:21:11.140 20 off like can you give me a discount they're like no so i'm like holy they're not gonna give

00:21:14.740 you this oh well i'm like either way this is one of many things that you could but that's not like

00:21:20.900 i'm freaking i'm not like freaking out about that but it's okay and then what is this three thousand 0.98

00:21:25.620 dollars celtic bank oh a firm it's a firm oh i got a water machine a water machine this stupid thing 0.91

00:21:35.860 it's i didn't even ask it's a it's a water filter well i'm not surprised that you haven't asked

00:21:39.940 them for like half this so i just a lot of i was kind of pressured my dad was getting one

00:21:45.140 or he's a distributor so he like sells them oh and then he was like you need to get one right

00:21:49.540 now and i was like well dad let me just wait to like you know end of the year like first

00:21:54.020 fear i mean dad he got a sale out of you it's kind of gross well no he i got a discount because

00:21:59.940 they're like six thousand dollars so they gave it to me for like three and i'm sure three is closer

00:22:05.140 to the real price okay well that's what that is a water system see that's another thing they plan

00:22:13.180 our neuroticism they say you need a water filter because the water is poisoned and there's this

00:22:18.800 birth control in it and let me sell you this expensive and i'm not even saying it's untrue

00:22:25.460 but i mean we're living to be like 80 years old we're living to be old how old do you guys want

00:22:30.600 to live like she's not going to live long anyways let's just be honest this is an impulsive

00:22:35.000 woman it's probably yeah i mean and i love it why what what it just filters the water no it's like

00:22:43.080 you're it's oh no it cures cancer like i told i this is my best episode ever i have called

00:22:51.480 everything i call me the queen of women call me the quote i told you guys i told you it's fear

00:23:02.760 of terrible thing that's gonna happen to you everything this is what they they got us buying

00:23:09.560 new pots and pans because they give us cancer they got us getting filters because oh it'll give you

00:23:15.960 cancer now they're saying the clothes everything in your clothes gives you maybe we're just fat

00:23:21.160 maybe it's not the pans maybe it's not the water maybe it's just that we're fat doesn't that make

00:23:28.200 more sense everyone dies of cancer and then you look at everyone's overweight and then people

00:23:33.800 said this is this is what drives me crazy people will say they'll say well we're only overweight

00:23:40.760 because they put seed oils in our food i don't know most people work desk jobs sit all day and

00:23:47.880 then eat wouldn't it make more most americans don't go to the wouldn't it make more sense that

00:23:54.440 it's actually you know choices i don't know i'm not saying the seed oils don't contribute

00:24:00.520 but there was a guy that lost weight eating only twinkies twinkies i swear guys he literally lost

00:24:06.680 like 40 pounds this guy wanted to prove that it's calories in calories out and he lost 40 pounds

00:24:12.920 eating twinkies twinkies and look i'm not saying there's no merit to this stuff but this they're

00:24:21.320 just trying to sell you they really are the best water what does it actually do if i got cancer

00:24:27.480 tomorrow i'd probably be like it's diabetes isn't it it's diabetes i love sugar i love dessert and

00:24:33.960 i would just take that out you eat it take it but what i'm not gonna do what i'm not gonna do and

00:24:39.160 whatever what i see everybody do is blame the water the pans the seed oils i i will accept that i will

00:24:47.560 accept that diagnosis i really will if if you're really healthy first i don't know you got muscles

00:24:55.320 are you in really good shape are you thin you eat really healthy then i'll accept maybe it's

00:24:59.560 something else thank you come on old statement no wait like it's seriously what does it do

00:25:07.000 it's just like it's ionizer yeah so you you can pick which level of alkalinity or acidic

00:25:12.520 water so it's like you know like when you drink like ph 10 water like you know smart water like

00:25:17.400 different phs i don't care drink it out of the hose we didn't need that thing okay and then home

00:25:25.480 and is botox good for you she doesn't care about health we don't what is your home worth now guys

00:25:33.640 do we know 408 okay so you have a great equity position you owe 264 824 on it lower than three

00:25:43.560 percent interest it's incredible so that's fantastic it's nothing to complain about here

00:25:47.480 two thousand four hundred twelve dollars a month okay bank of america card some purchases on here

00:25:54.280 interest charge 167 dollars yeah that's my rural caribbean card oh you so this is the one

00:26:01.640 wait but it's at its limit yeah so it was maxed out then i got the so then i got the loan the

00:26:07.800 6 000 this is where i'm against this is where i'm against credit consolidation for people who don't

00:26:13.560 fix their behavior first because this is like i know so like yeah you just put it back up and

00:26:19.560 then you're in more death than you were it just gives you the ability to not figure it out i mean

00:26:24.360 i guess you should just give me a pacifier since i'm an infant listen i'm just i'm just i'm confused

00:26:29.080 like i actually don't know what do we do other than take it away or you change it but you're not

00:26:34.520 so i i don't know right i mean what would you say what would your solution here be

00:26:39.960 you've tried it all you say you're at six thousand nine hundred three dollars on here

00:26:46.600 that's why i got the loan because the interest is like a hundred and i don't give a but you brought

00:26:51.080 it all the way back up again yeah okay great with a 200 divorce that would be my answer she's not 1.00

00:26:59.480 going to change divorce she might take the kids but go you can go get a new woman get some new 1.00

00:27:05.160 kids this is not worth it no no no no no get and give you know what find a male judge and give this 1.00

00:27:13.560 video to the judge he'll understand he really will before dollar minimum oh but you know what

00:27:19.240 child support this is why men have a tough time getting stay-at-home wives he'll be on the hook 0.94

00:27:24.760 for more because she stays home payment 99 of purchases great 167 of interest takes 23 years

00:27:33.320 to pay off the way you're doing it well actually that's without any purchases a firm great so we're

00:27:39.720 paying for a firm payment on another debt so we're dead we're affirming in a firm wonderful

00:27:45.560 and then shop flab city that was a thousand dollars in interest this year so far on here a

00:27:50.520 thousand dollars great it's like a one percent tax from your guys's take home on a yearly basis

00:27:58.760 one percent immediately just gone just because you refuse to be responsible with money okay

00:28:05.240 two 401k loans the mid one a thousand one hundred eighty three and then the chunky one screams fresh

00:28:12.360 all over it at fifteen thousand did we just do that what was that for again to pay off personal

00:28:19.240 loans that i paid off credit cards with so i'm basically moving money down the road yeah

00:28:26.360 so what would your solution be my question is still there what would your solution be because

00:28:30.600 obviously cancel the accounts like i need to call my roller kirby and card and like calling are you

00:28:36.360 sure you wouldn't just immediately put this all on debit though your would your spending even change

00:28:43.080 but debits cash yes but you're taking away your ability to put it on credit yes that helps okay

00:28:49.000 but you haven't fixed your behavior again so you'd still be spending so how do i fix my behavior oh

00:28:54.440 my gosh i don't think american women we don't deserve to not be in poverty we really don't

00:29:01.480 because stuff like this there's a woman in a third world country i i would love to just show this to

00:29:07.960 women in poverty just no i mean that might be mean not in a mean way but just she has it so good

00:29:15.320 she's such a all she has to do is stop spending that's it that comes down to you that is the 1.00

00:29:20.760 discipline of maybe you need to check your budget on a weekly basis and make sure you're holding

00:29:25.240 yourself accountable i'm just like how do we hold you accountable though that's because what i'm

00:29:29.800 figuring out there's no consequences to your actions because all you guys are disagreeing

00:29:33.560 and then you're lovey-dovey again and nothing ever matters not that i want you guys to fight or blow 0.69

00:29:38.280 up or anything like that that's not what i'm saying either it's just like yeah i don't know

00:29:42.280 you're not facing any consequences for your actions i'm really trying to think and my brain's

00:29:46.920 not at 100 right now i mean closing the account i feel like that prevents you from spending but

00:29:51.880 and i like delete apps i delete my gotta take her name off everything divorce it's about that time

00:29:58.520 what do you think divorce i mean it's gotta be worth if it because think about it okay he divorces

00:30:05.000 her tomorrow they have a one-year-old yeah now he's gonna pay her child support let's say she 0.83

00:30:09.080 takes half his income at least he can budget go down in lifestyle and not be in debt he'd probably

00:30:15.080 be happier in a one bedroom i don't know two bedroom apartment four in the suburbs i mean

00:30:21.240 i know my sister's paying like two in the suburbs so i mean the government takes a good chunk but 1.00

00:30:28.040 oh i don't know what it would be right i don't know what he would take home with child support

00:30:31.880 and everything i'm just saying i think at least he could plan and be more in control if she wasn't in

00:30:38.680 the picture divorce i i deem this couple get a divorce it's time she won't change go go get a 0.96

00:30:46.440 younger hotter woman instagram like i'll delete amazon apps delete the target app like do something

00:30:51.800 shiny on instagram or like oh we need to do this or that so it pausing it does help but we've we've

00:30:57.800 really got to tackle the spending problem not the where it comes from it's just spending savings

00:31:03.640 account basically nothing 504 bucks in there 576 in this fidelity account what is this

00:31:09.720 we have we both opened up iras for fidelity yeah okay college savings 1 300 and then 400 for the

00:31:20.040 other this one was the great one i'm assuming is this your 401k probably 289 000 that's great but

00:31:26.760 i just we're borrowing against it how many years ago did we borrow against it it's been a while

00:31:31.880 well it's for the house so it's for the house yeah but then you just did another yeah i did mine

00:31:36.920 the 15 that was on her i thought that's on my retirement oh this one the 64 000 yeah okay mine

00:31:43.480 should be paid off this is what sucks is like compared to a lot of people that come on the show

00:31:47.480 you guys have a halfway decent retirement but you're up with everything else i mean what and

00:31:54.040 we're not on the same page if we're gonna pull out from our 401k why would you pull out though no no

00:31:59.400 what isn't it smarter to do the loan then potentially but again you're not changing

00:32:03.960 your behavior you're just kicking cans on the road i would have rather you just like you

00:32:07.800 shouldn't have gotten in the first place which is pay off for personal loan then after you get a

00:32:11.320 home in west palm beach which i don't even what's special about west palm beach i want to see i and

00:32:15.960 i am not backing down from i'm all about your miscellaneous bull that could be things like

00:32:20.120 video games it could be anything it was a thousand dollars or ten percent of your spending but again

00:32:24.280 of the percent of your spending you did spend three thousand dollars more than came in going

00:32:28.200 out to eat was a thousand one hundred forty three dollars and nine point seven percent of your

00:32:31.560 spending subscriptions point three percent savings point six percent great i'm always

00:32:36.360 wanting him to like add to savings but i'm the only one that adds to savings i put like

00:32:41.560 oh my god do you see this gaslighting three hundred dollars in our savings every check

00:32:47.720 you guys could be doing something for i'm just it's just i don't know okay let me get some of

00:32:53.000 your living expenses i mean this should be a relatively easy thing the thing is it's just

00:32:57.160 change your behavior and i don't know you've been trying to do that since forever and i don't know

00:33:02.040 what's your phone bill 174. do you own the phones yes gosh you guys you don't listen to anything

00:33:08.360 that you watch hopefully the other version of you out there that's watching this for entertainment

00:33:13.400 actually learns something and decides to fix their life this time car insurance i know you

00:33:18.680 guys own your cars right now but car insurance is 109. it's not bad gas room from drive drive

00:33:24.600 fibers like 50 bucks okay let's see i skipped a little mortgage 2004 that's actually not

00:33:31.000 bad for a gig up and down i'm confused i don't know i've got fiber optic over and jim's 87

00:33:40.840 a month you're probably canceling your golf thing for a moment i was getting a trainer

00:33:45.960 for a while it was like probably canceling that just yeah subscriptions no do you guys have pets

00:33:52.120 no no pets anything else that needs to be in your budget that i'm not taking into account yet

00:33:57.000 we have home security we pay that how much 48 a month and then we have a boat storage storage oh

00:34:04.920 good wait one second yeah oh i heard boats are the biggest like cash sink ever how much was your

00:34:11.400 water again 150. okay how much was home security 48 how do you how often do you use this boat we

00:34:18.440 haven't you know quite some time we've talked about selling it sell it but it's storage oh yeah

00:34:23.560 i'm and i'm we're totally fine with that just haven't had a chance to yep so do it how much

00:34:29.160 do you think you could sell it for low end low spot what's the kid thing so 67 hours a month

00:34:34.600 their programs 625 a month hold on 625 what what are they doing they go to mother's day out twice

00:34:41.480 a week from august it's like daycare it's called it's mother it's called mother's day out it's a

00:34:45.720 daycare twice a week why you're right wait hold on so that's like there's that dollars okay hoa

00:34:52.360 you have to pay all up front i mean they want it's due january for the next year january 2025

00:34:58.680 so we'll get it november it'll be like 800 you need to pay okay okay and then like the kids have

00:35:04.200 well hold on just set it to set that aside 800 okay so we're adding 66 we could we could slowly

00:35:10.920 save and put that yeah 67 hours and dump it off in one spot what's the kid thing so 67 hours a

00:35:15.560 month their programs 625 a month hold on 625 what what are they doing they go to mother's day out

00:35:22.760 twice a week from august daycare it's called it's mother's it's called mother's day out it's a day

00:35:27.640 care twice a week why you're at home just to have social interaction with other kids okay take them

00:35:33.640 to the park or just find something cheaper there's other things go do it with them during the day

00:35:37.880 you're at home we're canceling that because it just doesn't make sense now if it was daycare so

00:35:42.120 you're working and stuff that's different but this is just like go go to programs that are cheaper

00:35:47.160 guys don't believe me when i say women don't like kids that much she would have okay just take this 0.99

00:35:51.960 personality right would she be happier as a a mother or be a single girly living in new york 1.00

00:36:00.520 city working her flight attendant job traveling the world i mean sometimes i think we got to be

00:36:06.040 honest with ourselves i i don't think you can really change people's core that much like who

00:36:13.160 they are some people can i'd say it's an exception so a woman like her i don't know if children are 1.00

00:36:19.240 a great thing i don't know you know i don't think it's really fair to the kids you know

00:36:24.760 she doesn't really want to be with them you can tell you don't you do not need to be doing this

00:36:30.520 correct it's cancer i'm giving you 500 hours a month for fun that can be included for the kids

00:36:36.520 taking the kids doing things okay okay and having social interaction and you know maybe

00:36:42.280 i guess a t-ball starting soon for one of them probably i don't know there you go there's a

00:36:47.000 little interaction so with that six seven seven minus 500 minus 6068 and then minus 67 that you're

00:36:58.200 saving for hoa you have an extra three thousand hours a month oh no what do we do we spend it

00:37:04.280 nope not anymore i gave you 500 hours for fun i'm saying in the past you guys are getting with me

00:37:09.160 this is just so easy you just and this is what concerns me is again it's just like we can figure

00:37:14.440 this out it's just all about you got to keep each other accountable maybe do couples therapy but

00:37:18.680 i mean we do do therapy i am so good i should have added that into the what is the cost of women 1.00

00:37:26.840 do therapy harder or find a different therapist forty nine thousand one hundred eighty five

00:37:31.800 dollars a debt how much is that forty nine thousand one hundred eighty five dollars a debt

00:37:36.520 i mean it's barely over a year it's a year and a quarter and you guys are debt free it's the easiest

00:37:40.760 thing that's ever been on the show get an emergency fund call it a year and a year and nine months

00:37:46.200 and hire a divorce lawyer be conservative say two years but that's the easy it's so easier than

00:37:50.600 everyone else on this show you guys are in so much privilege you have no idea literally requires the

00:37:55.160 the most basic sacrifice i'm done this is just so easy just do it or don't decide to live a great

00:38:01.640 life or don't that's your choice and at that point like i don't give a this hasn't been put

00:38:06.000 upon you this is your choice this is your choice you have the easiest way out of this than almost

00:38:10.700 anyone that's been on the show and if you choose not to i have no sympathy because that is your

00:38:14.380 choice but you guys can live an incredible life and that's up to you and i'm done spending budget

00:38:19.360 you overspend zero out of ten debt there's no collections or anything like that that's pretty

00:38:23.560 bad again for your situation numbers wise i'm the worst in the world you just have to take care of

00:38:28.380 it three out of ten mercy fund one out of ten because we barely have anything started retirement

00:38:33.020 okay for your age for your income that's the thing that's going to be holding us back what

00:38:37.760 do you want to be i'm going to give you a solid the 401k loans are going to go against you six

00:38:43.420 out of ten there real estate owner home great equity position great mortgage good great rate

00:38:47.900 I'm going to give you an eight out of 10. Hammer financial score, three and a half out of 10. I'm

00:38:54.180 going to bring my producers in here. We're going to talk about extra things that they know about

00:38:57.640 you that I don't. Extra drama in the post show. Make sure you guys are joining that

00:39:01.060 in the description below. And also make sure to check out our new debt class where you can.

00:39:05.660 I don't know. Maybe, maybe Caleb, maybe he comes here. Help us, you know, monetize again. Now that

00:39:11.840 YouTube's gone. Anyways, guys, let me know what you think in the comments and let me know if

00:39:16.840 you've had any challenges yourself when it comes to finances and being in a relationship like the

00:39:23.660 video on your way out subscribe to the channel I love you guys and I'll talk to you later bye

Pearl - November 01, 2024

MODERN WOMAN Bankrupts Her BETA Husband! ｜ Pearl Daily

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