Pearl - November 01, 2024MODERN WOMAN Bankrupts Her BETA Husband! ｜ Pearl Daily
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Summary
Part 2 of Gold Digger Exploiting a Beta Husband Part 2 Today we re talking about how women are getting away with murder and why we should all be worried about it. This is a woman that is completely exploiting her husband, he makes $120,000 a year and she just loves spending his money.
Transcript
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Good afternoon. Good evening, ladies and gentlemen. Welcome to another episode of
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Pearl Daily on the Audacity Network. I am your host, Pearl. And today we are going to be doing
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part two of Gold Digger Exploiting Beta Husband. Please like the video and subscribe. And if you
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want, go to the audacitynetwork.com to support my work because we are currently demonetized.
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There you can donate and you can also be a part of our exclusive live chat and our members only
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post shows. This is the problem these days. It's no wonder you see testosterone levels of men
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join the membership link in the description below or are you going to cancel this vacation like a
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34 okay so if you sorry okay so if you guys don't remember from last time this guy is a
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financial auditor and he brings on couples or individuals onto his show and this is a woman
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that is completely exploiting her husband he makes 120 000 a year and she just loves spending his
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money your old adult that sometimes needs to make decisions that aren't super fun yes yes all you
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say is yes we're gonna cancel the thing say it's not that hard i can cancel this i don't know what
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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
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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
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will cancel it i will cancel it i don't know what even is this debt so i can just label it
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it's upstart okay i hope there's something to yell at you about because i do feel bad but come on what
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the that's the most childish thing and you're taking out debt without him even knowing what's
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the minimum fee payment on this thing 159 congratulations you have 159 dollar minimum
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fee payments that you have to take care of now with your income because you only brought in a
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few hundred bucks all right pottery barn card we have a pottery barn card i've never even heard of
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that yep what are we doing better been some well i went to some friends houses i saw their house
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and i was like we redecorated yeah we did we got new coffee table cash flow you guys make money
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people to come over in our house not be not decorated cool no no do it cash flow you guys
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make money i know but why do we have to go into debt for it we don't have to buy the most expensive
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thing either when we do it here we go i did buy so part of that party barn was that i get a desk
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from that one no no i thought i got a desk from potter barn i don't know but there was a pass do
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fee you eventually made it up but there was a past do fee yeah so we're not even responsible
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enough to pay it off and you're the one in control the finances i just forgot about it
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it wasn't on autopay didn't forget to get botox no i didn't forget to do that well we forgot to
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make a minimum monthly payment i called them and told them hey i forgot to make it like you can
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look at my you know account and see that i've history yeah and see that i've paid it every
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recent so they waived it okay promotional balance through essentially right now actually some of it
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just ended some of it ended a couple weeks ago see there is no remorse from this woman she does
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not care she does not care in the slightest and some of it's ending in a week from now and so
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interest is going to start 32.24 interest is going to start on this foolish but the balance is only
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like four hundred dollars then pay it off yeah then pay exactly i'm okay i i'm going to i plan
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on it but i don't think so because again three thousand hours was spent more than brought in so
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i know but i always i always make like i don't have missed payments on i know i did on i told
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you it was not on auto pay and i forgot about it and i was like crap so yeah i did miss the payment
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but like my normal my normal routine's not what's normal this is normal this is the month that you
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live this is normal yeah i guess i guess so okay okay here's uplift so not upstart but here's the
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other secret loan right yeah this is for our trip that we just took great that trip is at 20 interest
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yeah not good awesome so again as i always say i opened my brokerage moomoo and i'm getting in
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the s p 500 you know all about it you've watched graham he talks about index funds like someone
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addicted to them wonderful you know that you're probably getting eight to twelve percent a year
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up and down years combined on them this is double i mean this is double so it doesn't even matter
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it's like what do we do i just don't understand i mean i mean first of all no birthday of yours
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even matters until you're 59 and a half at this point you're not getting any no birthday is
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different i'm about to join the 30 club nothing matters anymore no birthday matters anymore
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just like taking trips on our birthday but we don't have to like can't can't you take a trip
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like to the local pool i mean what can you do that's that different in another country what
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we can if it's all we need to build memories out and so we can build memories at the house i don't
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think we took one last year good because you're not taking one this next year or the year after
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not last year on your birthday but we still took one in october on our daughters oh yeah we did
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go to disneyland yeah and she does not remember it she will not remember it i know no but it's
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like it's a tradition we took our son but it's a tradition that we don't need to have it's a
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tradition you just started they're barely alive they were just birds tradition this isn't some
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historic tradition tradition from the 1700s birthday last year so a first is like a milestone
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And that's, if that's the way you wanna do it, that's fine.
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We need to pause until we get all this stuff done.
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just be on your side and say you're doing well.
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Cause I don't know, we haven't gotten through all this,
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but it really feels like half of us wants to at least do okay.
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But see, women, we have a tendency to say we care, but nothing matters to men if no actions follow it.
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So saying, I'm trying, I want to, none of that.
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Men do not care until there's action behind it.
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You might have a part of you that cares, but your wanting of going to Disney as a first-time tradition outweighs it.
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new home in West Palm Beach outweighs it so we can get destroyed in a hurricane
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ways so yeah you might care but all the care for the fun and enjoyment the
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instant gratification is what you care about more so $3,143 is owed on here with
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$160 for your monthly payment 20% interest okay Apple card $3,000 it's
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mine oh I'm shocked I'm shocked to learn this what'd you get I have no idea what
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what did we get because we we opened that card to she she needed a new laptop her laptop was fried
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it it had been a long time got her a new laptop i got a bonus we knew it was coming we paid off
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that apple card yes we we paid it off and then all of a sudden i charged it's got a balance again
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i don't know what was it i don't know what are you kidding me open up your damn
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app for me then open up your app i don't think i can what because i haven't it's been charged
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maxed out since like april okay so i don't know how to like go look well i mean open up your wallet
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app it's in your wallet okay oh good you're not even on it no i do i just thought the statements
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i can look back i have that magical ability of clicking a few buttons transactions okay
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yeah no let me look it ended over crumble so we are we have upgraded from the tips treats yeah that
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place is pretty good posh mart okay well you're just you're i mean you're still i mean lc that's
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for a conference that he's going to oh yeah christian conference in dallas next weekend
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you see it play out this is what they try to do to the christian guys this is what they're trying
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to sell you gotta fix women's problems really guys you don't owe women anything you pay taxes
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that protect us you pay taxes to keep society running most of you do jobs that keep society
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running you you don't owe women commitment you don't owe women monogamy you don't owe women
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anything okay you can kind of go to those for free on sundays i don't think we need to be
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spending money there's a conference that happens most of those religious places yep you know
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posh smart great american airlines so man i was gonna i was thinking yeah dry bar panero bread
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h&m i was a dry bar church so let me we're come on what is what what there's like the cafeteria
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or like the cafe pack of lunch chick-fil-a chick-fil-a you go to that cafeteria every second
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your life olive garden okay i thought this is a stay-at-home wife it's crazy she has time to cook
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it'll be a big purchase that got us up fleet feet european wax center gotta get wax for church lift
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door dash papa j oh yeah that's another thing we can add to how expensive is the woman carnival
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there it is there's some hundred six hundred dollars there target 280 yeah we took a cruise
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for spring break and then i see the payment that likely came from the bonus all the way back in
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in february yep gosh and then from there it was just a bunch of little you know what happened
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immediately after that vineyards vine 607 yeah we went to the outlet mall and then i got a little
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crazy you didn't we didn't go the outlet mall you went he stayed in the car and then he's like why
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are you taking so long and then i charged like however much 600 yeah but it was all on sale
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it's time to divorce it's time go to the courthouse why do men fare better financially after divorce
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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
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something like that call me before you do it and i could probably talk you out of it in that moment
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the thing is i know you guys know how to like do stuff i i want you guys to go through our
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budgeting class together i want you to go through our investing class together i want you guys to
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go through our debt class together so you know the best ways to get out of debt and the best ways to
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utilize that i want you guys to go through that take the educations you guys get them for free
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for being on here but again it's like just like our audience can go through them that's just a
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part of it it's like me going through math class you know i get the education but if i'm not
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internalizing it if i'm not putting anything into practice it doesn't matter you know if i'm just
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going through it to be able to take the test and ace it doesn't matter you know if i'm not learning
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the life skills and that's what concerns me is you guys can talk about what is right but you don't do
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anything and that's just what concerns me here guys and that's why i'm almost defeated in this
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conversation yes okay sure i'm not feeling great so i'm a little low energy okay great but also
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it's just like you guys already know what to do and you're just not doing it and what can i do to
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make that different a lot of times that is most effective on this show is people come in they
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think their situation is better than it is and i give them a wake-up call and i can connect them
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with resources because i already know what to do and you're just not doing it and i can't force you
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guys to do it that's something you're gonna have to something's gonna have to happen a rock bottom
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or who knows that's just gonna have to be like oh now i care more about this than doing all the fun
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so i really think that you telling her a lot of this because i can tell her something and then
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two seconds later someone else will tell her and she'll say oh women have to have fear of their
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husbands i'm telling you if the woman does not fear that he will leave or that there is some
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consequence and unfortunately what how can men impose consequence on their women in 2024 can they
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divorce well they can but she can take the kids in half as well but that is an option option two
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they could take away her credit cards but then the consequence for that is women can claim
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financial abuse. Yes, we can. Really, I would recommend divorce. I know I used to say that
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divorce should be banned and I really meant it at the time, but I don't think men should be subject
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to this misery for a lifetime because she has all the power. That's why she's not scared because he
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can take away her credit cards. Guess what? They bring it to court. Financial abuse. She knows
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she's in the state of texas and the state of texas i know they're looking at a law that makes
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abuse even broader in texas the only consequence men have is to take away their attention that's
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it that is literally all you got they used to be able to slap a bitch but not anymore
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sorry you have to edit that out you see why they did back in the day someone just told me
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the answer to this question when i already gave it to you yeah but also but i mean you've been
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following all the so all the finance stuff i guess i just watch it for entertainment and i don't apply
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guys on care credit we owe eight thousand four hundred twenty three what is this even for i got
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my broke done but it was like fourteen thousand why it's fourteen thousand for the yeah yep was
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this a requirement was there was this for you was was it pressured no i just wanted to get it done
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in the spring time before summer yes so like march okay i mean i for self-confidence sure
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and again i don't really give up you guys spend your money on if you budget it and just
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but you're putting it on debt it's just finance you have finance you're financed
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when you're okay with telling people that yeah i want you to go ahead and walk around on church on
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sunday and go up to the pastor and be like yo these they're financed guy no that's i want you
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to walk around the cafeteria there and be like finance is financed they're not all natural from
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up there these are financed i didn't get implants i just did a lift after breastfeeding my kids
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this lift is fine oh my gosh yeah this is the stuff you guys gotta calculate how how insecure
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is she how bad does she want to be hot that's the guys the kids brought them down this dad brought
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them up okay yep we had a conversation before you were in full agreement of me doing this
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i'm sure he enjoys them i i either way i was happy i didn't care i didn't you didn't need
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to do this i didn't ask you to do this this was your decision listen sag lift all i care
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is their finance you ever feel like you're just burning money on car insurance that used to be me
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or to cash flow it again if you cash flowed them so i wouldn't give a do whatever you want
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go go to brazil get that bbl do whatever i don't care you know but that takes longer to cash flow
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it well no but now you're paying for it you guys have respect i mean yeah what the am i supposed
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to do with that you know that statement is incorrect in this conversation you've watched
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the show and this is why i am just borderline so close to just being done i'm just so close
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to just being done guys it's like what do i even do with them what's the minimum payment on the
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apple cart i didn't get it 80 okay you have to pay this off and the interest starts accruing
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a year from now get her back get it on debt all right harbor freight what is this for
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this has man written all over it we got a generator after the hurricane you know what
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your barrel i don't want to be on his side but that is what like that purchase makes more sense
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than everything we've talked about so far i don't know how she even said that any of this was him
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i mean he spends 200 a month on tobacco who cares she just felt spent 14 grand on a breast lift
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because i'm getting a generator too my power goes out like crazy i don't know why it's an obnoxious
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what but again also we could have cash flowed it i know i think we just wanted it right then
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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
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but why didn't you pay it off then because other things came up and so that got the back burner
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what what came up the vacation well i mean we were in a wedding and so like other expenses
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and then i went out i flew out to la to get my hair done so that was what the are you talking
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i told you that i called all of these at the beginning please edit that in edit in me saying
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i think the hair is gonna be a couple thousand she's gonna go through this expense oh i'm gonna
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have gotten it i already know talking about no one can do hair in houston not really okay that's
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bull she flew her guy that she's gone seen forever that she's from oklahoma originally moved to la
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so because she's able to fly and she went out there actions just ask people listen you have
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next door written all over you ask people on that app what their favorite hairdo person is okay it
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was like i was in a wedding so i really wanted to go out and see him and have him do my hair
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so i thought that's an expensive hair yeah i was like 700 with tip plus the travel well no the
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travel all of it was free yeah i just hopped on a flight you flew there and back in the same day
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and then i flew home no food no some coffee that's still even still that's expensive haircut
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it was color too yeah she got her hair colored so it took but even then it was it's a lot i slurged
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for a wedding that i was in i need you to get me over the fear of flying i recruit you on that
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mission oh we can do that because i want to travel i want to be able to see things i mean you're
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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
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i don't care about being in the sky well if you take enough like then you'll be fine if you don't
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have to do you know some kind of medication to get over that fear that makes sense so this is
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what happens remember how they say there's like good women that are raised in other places she
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was in oklahoma the most attractive women go to big cities and then she probably moved to houston
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to find a cleanup guy which is him and christian checks out yeah i would like to just yeah be able
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to do it like it would be one thing if she came in with no debt was an asset to his life watched
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the kids cooked home cooked meals got on his program but this is the marriage you guys are
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selling this is what you're selling to men you're saying sign up anyways yeah men aren't stupid
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they are not they are not dumb and the younger gen z is not with this they are watching and
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they are learning what is the memorial herman my delivery with my first baby but again we've just
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paid everything on it we just have been paying just but i know you guys can afford let's just
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you guys make good money this is a thousand bucks thirty dollar forty four cent a month payment this
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is i mean i've called them multiple times and said hey i want to pay in full can you give me
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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
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i'm freaking i'm not like freaking out about that but it's okay and then what is this three thousand
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
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
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fear i mean dad he got a sale out of you it's kind of gross well no he i got a discount because
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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
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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
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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
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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
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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
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
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
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
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
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
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
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
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
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
00:35:51.960
personality right would she be happier as a a mother or be a single girly living in new york
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
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
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