He Came Here To Fight Me | Financial Audit

"So, I kind of have been there for like 2 years, realized I enjoyed teaching. Um, so I started to go back and get my masters. So, which I vibe with. I wanted to be a teacher for the longest time. That's why I like making the educational things that we do. Yeah. And it's it's really fun. I enjoy it. Uh, my last two classes finish up in like 2 weeks. I do have my student teaching and my practice to pass. Um, so hopefully by December of this year, I'll be fully certified and able to start making actual salary."

"We see about 16,500 job openings projected each year for web developers and digital designers over the decade. Over the decade, sorry, but each year uh for the remainder of the decade. And we're expecting about Bureau of Labor Statistics is projecting an 8% growth employment for web developers and digital designers from 2023 to 2033."

"Come December when I can get hired as a teacher. Step one pays $48,000 a year with a master's degree. Math helps, which is 13,000 more than I'm making now. Yeah, let's get a degree to make 48,000. So starting by step 20, if I stay teaching for 20 years, that's about $98,000 a year."

"Uh, probably well over 100,000 a year."

"So, how long does this take to pay off if you only do the minimum payments without purchasing, which by the way isn't capable in your household because you're okay with spending 30% more than you make. Go ahead. How long does this take to pay off only doing minimum payments, no purchases? Uh maybe a year or two. That's interesting. 26 years. Yeah. 26 years."

"11 years to pay off, but interest kicks in in a year. No, less than a year. It's like nine months."

"My car that's about to be up in 2 months. I have just over 14,000 miles on it. So I'm under half of what they expected. Um, so that's why mine's worth a little bit more. And on hers, she's at about 115, which is under what she should be for this time in the lease. So, well, that part's good. So, let's use this one car. But when we're using one car, our mileage will be a little higher, but not terrified with what you guys do. Yeah, cuz I mean my a home and then you goon permanently for the evening and then I go, you don't know what you do. She games. Marvel Rivals, right? Yep. Got to buy the skins. Okay, so 319 a month on that forever. Now, this one's disgusting. Student loans. I see a couple different things. I saw a different number in in here than here. How much in student loans do we have for her name? She has about 20."

"So, are the rest federal now? Yes. Everything else? What? How much? Um, I want to say maybe around 35 to 40 just in my name. And there's about 40 in my mom's name. Okay. How much for your 40 is your minimum monthly? Zero right now cuz I'm in school, right? Yep. And that's okay. That's good. That's good. And so I'm in school. I'm taking one class in the fall that goes along with my student teaching. Student teaching should end in about You have to borrow more. I have. So they gave me that money already. It's sitting in my account. So I'll use that account to pay. So if I see that, it's not going to count. Yeah. So where is that in here and how much? Where's the cash? That money? Yeah, that money is in my personal savings account."

"The thing is just sell it for now. Just sell it for now and pay off the interest debt. Lower the risk over your head because you're headed into a summer with I don't know the pay. We just discussed that. I'm going to go into student teaching for a semester, right? Is it a semester or a quarter? Yeah. Uh, I don't know the pay. So, lower the risk of the debt over the head. Let's minimize our minimum to payments that we are required to have when we don't know what the pay that we're about to have is. Okay? It's not about the crypto. It's about sell it. It looks like it's lost some value anyway. So, there's no capital gains taxes that you're going to have to pay. Boom. Pay off some of the debt. What do we have in crypto total? Um, so between those two, I want to say maybe four."

"You guys can do this. It is literally just the basics for you guys cuz you make enough to break even. Not a lot of people have that on the show. You guys are in a blessed position making almost making very low income and still having enough to make it. Okay? Even after all the mistakes we've made. So, with this, you just need a budget and grind out the school thing, get in your career, then put everything we have towards this. Build up a six-month emergency fund, then we are saving and investing, and then you can live the life that you want to live."

"You need to budget. You need to use the budgeting app. You get the premium version forever. Take the classes. You know, it sounds like you know some things, but you guys need to take it together. You need to take the budgeting one and the debt one. Understand the consequences of the debt. What's good debt? It's bad debt. Take the budgeting class together so you guys are united on what is good and bad. Do this and then the investing class for what we need to do to save up for what we want to do in Zambia."

"Debt, no collections. It's not the worst debt. It's just the income going along with it. That's not the best. Student loans are pretty brutal, though. But I'm going to give you about a 2 out of 10."

"Emergency fund, we do have a little bit. We're about a four out of 10 there."

"Retirement pension hasn't been going for very long, has it? Uh, two years. It'll be two full years. I'm going to say about a 2 out of 10 there. Cuz I know you don't have anything in real estate. Zero out of 10."

"Can't buy our $20,000 house yet."

"$16,000 student loans are private. She's not allowed. I can't get federal loans."

"Do you have to keep paying your your student loans? No, I don't think I could. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content."