Rachel Cruze

Okay, so that's another flag here, Dylan.

You don't really know what's going on in your household.

Between you and her.

The two adults, no, no, the two adults that are supposed to be in charge of taking care of a household and these two kids, you guys don't know what's going on.

Like, you don't know what's going on with each other.

You can't, you tell, you said that you're, that's her responsibility, the car, and she just takes care of that.

And then I'm over, and I'm like, are you two roommates?

Like...

No.

And part of that, honestly, though, Dylan, part of the synergy is that you guys are so scattered.

You're making decisions on urgency in a situation.

You're not coming together and talking about this.

That's one of the benefits of getting married is you have two adults sitting in the room with two different brains that you actually get to lean on each other and talk.

And you guys are making decisions in vacuums and you're making them urgently and in desperate situations, which usually always equals vacuums.

bad financial decisions.

So stay on the line and Christian's going to pick up and we're going to give you guys a year of every dollar because our goal for you, the very first step, Dylan, together tonight, sit down with your wife.

Open up that app, start plugging some numbers in and use some of the content in there to start creating a step, which are the baby steps.

You need to get a thousand dollar emergency fund and then you guys need to start attacking this debt.

It's eating up your income.

You have to get out of debt and you do nothing with your life, nothing with your life, but sell stuff and get out of debt.