Chapter 1: What is discussed at the start of this section?
In what f***ing world did you guys think you were ready to bring in a child into this world? Mindset is that. Oh, you weren't paying them. Your mother was. But they were still being paid. No, that's not the point. If you guys can't even survive on your own, how the f*** do you think it's time to be parents? We weren't paying the house. You weren't. Your mom was.
Chapter 2: How do they plan to handle parenthood while in debt?
Are you not able to understand this? What paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff. I don't see it. What are you talking about payoff? You're a f***ing Dumbass. How can you tell me you're paying?
Chapter 3: What financial responsibilities do they have?
Where's the payoff? It pays off.
You pay. You pay. Look, okay. No, it literally does not show up. It does not show up. You f***ing paid child in there.
Your mother's f***ing good luck in there. You're f***ed.
Chapter 4: How do they communicate about finances in their household?
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Wow. Yeah.
Semis. You don't do conversations, do you?
No. Well, good thing you came on a podcast. All I do is talk to her. I'm the one that talks. Oh, yeah, and she does all the talking for me.
Are you on the truck as well?
Yep.
Okay, do you guys truck drive together?
Yep.
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Chapter 5: What strategies can help improve budgeting and financial health?
It's my dad's card, but we use it. Oh, okay. Then what's the... I have it in my wallet.
Your dad's card?
Yeah. Mr. Mexico?
Mm-hmm.
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He has good credit. He has great credit. Does he? He does.
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Chapter 6: What are the consequences of spending beyond your means?
I don't think he has great credit.
He never even touched it.
Doesn't matter. He doesn't even know about it.
Oh, my gosh.
You guys are pathetically. No, no, no, no, no. I'm sorry. I'm sorry. I have to pause. You guys are actually morons if that's how you think this works. Just because he doesn't know about it or he doesn't use it doesn't mean it being maxed out over $1,000 over the max doesn't impact his credit when this is his credit card. Are you guys that pathetically stupid? I have to ask. I have to ask.
I know I'm being mean right now, but I have to ask. In no way in this world do you guys think just because he is not the one swiping that it is not impacting his credit when it is his credit card. Please tell me you understand that. That's why we're paying it off. No, we're not... You dumb. You dumb. I'm so sorry. I'm so sorry. I'm being so mean. No, you are not. You are not.
We are paying it off. You put a thousand bucks to it. You spent three. You f***ing tit. Dude, you have a credit limit of 7,000 on it. You owe eight. Paying it off. Go f*** yourself. yourself paying it off. You've never heard, hey, child in there, your mother's... Have you guys ever heard of what paying it off is? You spent triple, triple of what you even put towards that paying it off.
What are you talking about? It's $1,000 over the...
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Chapter 7: How can one manage debt effectively?
Limit paying it off. What paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff. I don't see it. What are you talking about payoff? You're triggering me. You're a dumbass. How can you tell me your payoff? Where's the payoff? It pays off.
You pay. You pay. Look, okay. You pay as much as you need for the bills that month.
No, no, no, no, no. Pay off.
That's why the payment never shows because it was $1,000 over. I thought the limit was 800, 8,000. Just look at it.
Just look at it one time. You were down at seven. It doesn't show up. It literally does. No, it literally does not show up. It does not show up. You sent me this, meaning you have access to this. I did not send you that.
Who did?
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Chapter 8: What impact does financial literacy have on personal finances?
Papa? Papa in Mexico? No, I sent it. Then you can look at it! I didn't look at it. But you can!
You can! I know it's not a f***ing basket of fried chicken or whatever the f*** you love. You can still look at it!
I don't think I've ever looked at one of those in my life.
I don't expect you to do anything, but you at least.
I just found out about that card two months ago.
You're the one swiping on it.
How'd you just find out? No, it's me. I swipe on it. It's in my wallet. And I just tell her, hey, it's over the limit. Can we pay this?
Bro, you don't even have a checking account. You're 31 and you don't have a checking account. Why the f*** do you have access to this credit card?
I have access to all credit cards. They're in my wallet.
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