it doesn’t get much dumber than this…

Various sources are reporting that Heidi Montag and Spencer Pratt have been busy trying to recoup financially from blowing through $10 million!!

The credit card companies who fronted them the money are idiots as well!

The couple is telling sources that not only have they been left penniless after throwing money away on homes, cars and Heidi’s “music career”, but that they are now currently homeless and owe $2 million in taxes. According to them, they are one step away from filling for bankruptcy!

Life& Style caught up with the pair and asked them how they could get themselves into such a situation. Spencer, who claims he’s “looked into unemployment checks,” explains that they were “idiots”:

“We were immature, worrying too much about the famous part instead of the actual business part, In hindsight, we shouldn’t have spent any of our money. We should have been low-key and saved. We thought The Hills was going to be like [the original] ’90210? and we’d have another five to 10 years. The ratings were consistent. But we never saw Jersey Shore coming. Before, TV audiences were fine with seeing us all argue, but now they want you to punch one another in the face and hook up with three different people. Our cast was a bit boring and snoozeworthy in comparison. No wonder we got canceled.”

For now, the two are living off of Spencer’s parents, living in their guest house and having them go grocery shopping for them. But regardless of their sad situation, shockingly, Speidi knows that it is self-inflicted. Spencer added:

“We don’t want sympathy. We did this to ourselves and feel like idiots. But we’ve grown up and are definitely not as naive anymore.”