Chapter 1: What is discussed at the start of this section?
To watch episodes of Financial Audit a week earlier, check us out on YouTube. I have ran right to my left. If he doesn't get his finances fixed immediately, there's no wedding.
It's not even just the debt that's making me want to call it off. I'm also the only one paying for it.
Chapter 2: How does their financial situation affect their relationship?
Bro, she literally told us in private without you that she's thinking of moving out.
I'm exhausted every day. Is that what we're going to do when we go back home? Do you want me to pack up and go? Because if that's what I need to do, I will.
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Hey, this is Kimberly. I'm 26.
Hi, I'm Hudson. I'm 25. We're in South Bend, Indiana.
And this is Financial Audit.
Thanks for coming down, guys. An hour from my hometown of Kalamazoo, Michigan. Nice to bring you all down to Austin, Texas. Kimberly, what do you do for a living?
I am a medical assistant.
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Chapter 3: What are the couple's views on wedding expenses?
I think I take home monthly about $21.
A little fun fact for everyone, Indiana, not expensive. So that's actually potentially okay. Say your take home one more time for me.
Roughly 21. A month? A month, yeah. Okay. I get paid every two weeks.
Hudson, what do you do?
I work at a steel factory.
Sure. There's Northern Indiana for you. If you've ever heard of Gary, Indiana, that stinky, shitty place on the lake. Oh, yeah. That's where they make shit. It's horrible. Okay. I mean, you kind of look like it. I fit into the group. You really do. What the fuck is that hairstyle? It's, you don't even want to. Can you lift it up? That's not what I was talking about. This? Okay. It's bad.
You know it looks like it's receding more with your weird thing down the middle.
This is supposed to be here, but it's bad. Did everyone in the steel plant encourage you? The hard hat, you don't see it, so it works out. What do you make, steel?
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Chapter 4: How do they plan to manage their finances moving forward?
I'm at 2125. Sure. What's your take home? Take home, it's about 2200. It only brings an extra 100?
No, that is not. You're making more. You're close to 700. Why does she know and you don't?
I know it's like 700 a week.
Take home. So times four.
Which is? 28.
28.
And that's why he hits metal for a living.
Okay. Well, okay. Now you combine that and you live in South Bend. That ain't half bad. But here's the thing. I have written right to my left. If he doesn't get his finances fixed immediately, there's no fucking wedding. Which I assume is coming from you, if you're saying him. Absolutely. So what is going on?
I wouldn't get married to someone who's shitty with finances either, but what is going on?
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Chapter 5: What are the consequences of not paying debts?
Now I just need to. Oh, that's a good reason for not paying. What the f*** are you talking about, man?
Yeah, that doesn't make any sense.
You owe the whole thing, obviously, at this point.
We're both aware that you need to do it. Why aren't you doing it?
I got to the point where I had a payment plan and then I didn't have any money because... Well, how do we get on a payment plan again?
You owe $1,715.54. Obviously, that is the total balance due immediately because you just haven't paid in forever. Yes. The f*** are you getting on here?
That was being used for a lot of food back then. Yeah, that was for food mainly. Pretty much anytime we went out to get food.
Staying at Indianapolis and stuff.
Indy, Cincinnati.
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Chapter 6: How can budgeting improve financial situations?
Contact and get them out of a payment plan if that's even available anymore.
Well, and I've even told him that. Like, just give them a call. I mean, they deal with how many people every day that are like, I need to get taken care of. How do I do it? And he just won't. He just won't call them. Oh, you'll email them.
Why won't you do anything? I know she's probably a nagger, and it's probably annoying. We don't like that. But why don't you do anything in the end? Make the call, send an email, do anything.
Well, I got to the point where I sent emails. I didn't get a response from them, but I did set up a payment plan, and then it never got paid, so it just kind of fell off. And I haven't done anything with it since.
Yes, but she is saying reach out, call, email. I am asking why today you will not.
Well... I have done it. I just haven't paid it.
Yeah, you set up a payment plan, but then never paid the payment plan. And now they took it back.
Because whenever I was going- Okay, when was that? I'd say it was about a month ago. No. What the fuck?
Two months ago.
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Chapter 7: What is the significance of lifestyle choices on finances?
Can you make the payment now? That's gone. It's revoked. They revoked it?
They took it off. The payment plan, they took it off.
Why'd you not make a payment two months ago? That's no longer Indianapolis.
Two months ago, I didn't make the payment plan because I didn't have the money in my account.
It was probably like $30. $30.
It was $150, I think. They did a six-month... $150 is a lot of money. It is.
So it's $1,067, which is what you guys spent going out to eat last month. So what the f*** are we talking about now making a $150 payment? That's a choice. That's not being responsible. That is not being good parents even, actually, I would say.
The food is the problem.
The food is a part of the problem. Unknown shopping, an additional 984. We'll see where that went. Miscellaneous bullshit could be video games, could be trinkets, could be whatever. 987.
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Chapter 8: How does communication impact financial decisions in relationships?
Bullshit on here most likely alone will range from 2,500 to 3,000, if not even more because of the large purchases, as an additional 1,200. Now, why did you look at her when I said miscellaneous bullshit?
Because I barely buy many things for myself.
I barely buy anything for me either. Okay, well, someone is, or combined. Because this is minimum $2,500 in bullshit, most likely closer to $3,500 in bullshit on a monthly basis when we're crying about not being able to do a $150 payment. Who the fuck is doing what?
Take some responsibility, both of you. Those trips to Target is going to be in there.
Yep. And I, yeah, I would say probably Target, but there's also.
What are you doing at Target?
There's also a $50. What are you doing at Target? Buying for my kids.
Buy what?
Formula's $50. We usually buy that.
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