Bottle Girl Lives in Delusion | Financial Audit

I'm Kiki I'm 24 from Houston and this is. financial audit what do you do in. Houston for a living a lot of things um. mainly I'm a waitress in NTI and I'm. also working at a law firm and with. Houston School I mean Independent School. District whoa wait what are you doing. with Houston Independent School dist um. I teach cinnamon like well the kids are. not interested in that it's basically. like a program um it's called diad where. they have like Consultants come in like.

a 1099 contract and teach like various. topics like um Fitness spinning um yoga. I and you like run the program no you. just teach a class you have like um oh. you're teaching a specific class what. class do you teach I do cinon acting but. now I have to try to turn it into like a. social media type of thing because the. kids are not interested these are. seventh graders and they just really. want to go outside so okay and then. night life cooking no um I'm a waitress.

well NTI waitress sorry yeah okay so. just working late into the night for. that um what is nightlife waitress. that's what like at a club is that what. that means they call it bottle Girls by. we say servers we say waitresses. honestly I've been doing that for like. three years so that's really like that's. why I said that's like the first thing. I'm I'm kind of known for so something. that's what you're known for yeah I. guess like you can say that like. actually yeah oh okay interesting why. are you known for that because it's like. a c of kind of competition if you can.

say it that way because in Houston. that's like a I want to say since like. 2020 when Corona happened and everybody. was out here spending their money well. out here I mean in Houston spending like. all their money and stuff blowing it on. bottles and stuff it was like the time. but that was my when I first got into it. too and I was just about to graduate. college so it was like so you're making. a lot of money mm how much you making it. not I don't change because at this no. I'm saying right now how much you making. from the club from everything from. everything.

from everything just what I feel like I. see probably like no how much you. makeing that's me being honest that I. don't keep track like how because I feel. like as soon as I get it it goes away. why does it go away I spend it what are. you spending it on personally I feel. like maybe door Dash and bills and door. Dash and bills door Dash door Dash now. that's like my guilty pleasure that's. one thing I know I have to like delete. the app and what's the other job you. gave another job job the school Law Firm.

LA fir I've been at the law firm. probably like two almost three years um. I'm a supervisor or over like the. litigation unit how many hours a week do. you. work I'll be working I'll be working. yeah how many hours a week do you work. now I switched like this like I just. changed my work schedule literally this. week so now I'm part-time at the law. firm now instead of full-time why it. allowed me to have more space I'm. actually making more money this way okay.

I have um now that I'm at hi that's $30. an hour as a contract worker meaning. those taxes aren't getting taking off. now next year I'm be thinking about this. and then it gives me um I'm you mean net. you're getting more but not really. because you have to set aside money for. taxes but that's not real cuz you're. just blowing it all the the Math's not. working I'm I'm okay this is my like I'm. blowing it but it's not like me blowing. it on like splurging is more like a you.

just said it was door Dash that's SP no. that yeah everything else is like bills. and like stuff I'm obligated to pay for. but I and to to be to be honest I'm not. taking care of everything I should be. taken care of but it seems like wait. wait wait if you're not if you're not. taking care of stuff that you're not. that you're supposed to take care of why. are you getting door Dash if you think. about my hours that I work I don't have. time to cook sandwich have you ever. heard of one of those yeah it's a grand. new invention yeah yeah.

two SLI of bread when I tell you. clicking is more easier than making that. sandwich no it is of course it is of. course it is that's where that's where. life has got me it's also uh Beyond more. expensive and you're not taking care of. the bills according to you yeah I take. care of the bills no you don't not I've. been through your money no you do not. not all of them not what I'm I can say. not what I'm supposed to but they get. done but I have like I was just going to. say the Rainy Days come almost every day.

it felt like for a long period of time. Mercury was in retrograde for like seven. years if you ask me it was but a lot of. that was financially your choices you're. blowing it all on door Dash so what the. Yeah Mercury you did it you're your own. planet in retrograde I don't want to be. laughing looking at this I'm not. laughing no it's not yeah trying okay so. income you have no idea and you contract.

the job because you think that's more. money even. though hourly it might not be you're. just getting more hit in your account. but you're not even thinking about the. money you have to set aside for taxes. fun fact you make too much money you. actually make $10,000 came in $10,000. came in well that was like I was. explaining that was a weird month. because I was taking care of stuff in. the club so money had to pass through my. account pass so that wait that makes. sense so what was net then how much had. to go out through that pass through how. much was not yours probably about to.

keep how much of the 10 did you get to. keep like five no that's like six you. got to keep sex yeah even still with. $6,000 a month with where you'll be tax. packet wise the money that you're. getting from the Contracting situation. you're going to have to pay taxes no. okay so my question is this what I was. asking myself and this might be a dumb. question but this is a real question is. it going to cancel out because of me. still working a law firm and me.

because I still give taxes taken out. from that job you're getting taxes. withheld from that income still going to. have to pay tax on your other income. unless you're over withholding from that. income then it'll help it'll count not. necessarily count towards it in a way. but mathematically it can be viewed that. way yeah you're probably not like overly. massively overly withholding I'm only. going to work at six months just what. was your tax return last year if you. even did it correctly what do you mean. like how much I how much came back or. how much did you pay maybe you paid.

extra I didn't pay I know I got I got. money in how much probably like 3K. probably not I don't remember getting if. it's similar to that then first of all. did you even claim all your income. that's a whole other question but either. way especially with the bottle service. probably not that's hard to keep track. of my G. say but now I'm being more cautious of. it because I'm trying to get out of it. that was out of NTI why I have so many. reasons you said you're so known for it.

though sounds like you make a. killing at some point like like we make. money as the world spins it if if that. makes sense so we have our slow seasons. and this is like this is. like I've seen it you know like so and. then also it's very um I'm about to be. 25 this year I'm not trying to still be. I train girls that's yeah that's what. I'm saying I'm like over it so the past. couple months that's really been my. drastically changes my my financial.

situation is that me trying to like. stick to my moral compass if you can say. I had to like what I wait like the money. like I had to stop thinking about the. fast money and just pull myself out of. the club if that makes sense but you. already were basically negative on. everything so what the what are we doing. now with even less it was slow season. when I did it anyway so it was like you. still made money even if it was little. it was money are you a business owner.

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then you replace it with another income. Source have you yeah what the. Contracting thing that you're not. setting aside money for no taxes do lip. injection so um what the is this a. fourth job that was kind of why I um. open up time now only work Monday. through Thursday technically so me. allowing myself that time okay that's. why I took the two part-time jobs to. give myself the the weekend and then it. Mak sense it for some reason somehow it.

makes sense now like how you got to. explain it in a way that makes sense if. it's going to make sense okay so okay. literally I don't have to work nothing. but I can't go over 30 hours at the law. firm because I'm part time now the. contract stuff um that's $30 an hour up. to 25 hours a week without the taxes. being withheld and then with the law. firm even with that if I work 19 hours. my check going to be like 700 to me was. about to leave the law fir I had turned.

in a letter of resonation I wanted to. just do the whole hi thing now I feel. like that can replace the club because. oh that might saying not loud don't make. sense oh God ruin me saying it don't. make sense but I only work Monday. through Thursday so now I can take more. clients because I couldn't take more. clients how much you making off these. clients right now I just started in. November but this is like you don't have. enough to survive even when you're. bringing in more money so how does this. this make sense it makes sense to me.

that doesn't that's not how the world. works it's not about the world it's. about me you're the center of the world. no but I'm a center of my. life that's just how I don't know it. makes sense well what what happened it's. working out though how how no it's not. because I'm taking more I I get take. more clients not clients that you're not. making any money from no. no Z I was I was doing model prices so. at first I was taking clients for like.

150 that was like consistent now I slow. down on I'm I'm going be honest I slow. down even promoting myself in all my. content because I focus on other stuff. content you gotta like these days I feel. like everything gets so content based to. even promot sounds like you you have a. new job every 3 seconds of your life but. you're not making anything anymore. you've given it all up you've given up. the actual income sources uhuh kind of. you work Monday through Thursday MH when. you were making bank kind of well is.

enough it wasn't enough it wasn't enough. but now you're making less so it doesn't. even make any sense it doesn't okay to. me I think I'm Tak you I don't care. about to you there's also reality I'm. taking that hit so I can be. uncomfortable I guess that's that was. like my whole what it makes sense to me. I don't care how it makes sense to you. explain it to make sense in reality okay. so I was complacent with the whole. bottle grow thing because I was used to. getting that money so in order for me to. take myself out of it I had to make. myself uncomfortable and just that made.

sense to me and it worked it's like. revers no it didn't you're not making. money but it's it's forcing me it would. work if it had results if it had. results thank you it's going to get it. it's going to get there well that's just. I mean that's just a hope it's forcing. me no it's not a it's not a hope one. thing about it okay I'm going to I'm. going to make it happen what do you mean. but you've never made anything happen. other than not paying on your credit. card that just that just got like that. when I swear to you when when I stopped.

when I. P all it takes is one time and it was. when I took myself out that club that. one like what does that tell what does. it tell us you don't make enough money. if you can't pay your bills we start a. business when it's risked first we don't. have a ton of debt holding us back if we. can't pay our bills we're not doing that. we do it when it makes mathematical. sense mhm so you agree oh yeah I agree. then why' you do it and why you. contining to do it I'd go back to the. club I'm still there okay I'd pick up. more hours I don't I I don't want to be. a dream Dasher dude I want you to build.

this business but what a mature adult. does first in order to take care what. you rolling your eyes what the you. rolling your eyes about because it's. like what it's more it's more to it it's. more to me this like it's very the club. is very competitive first of all like oh. my God it's not about me I can't just. walk in and pick up a shift I'm not. saying that but you've been successful. at it yeah but then I got tired of and I. lost my I just got but I will have to go. literally in order to for me to dude I'm.

saying is you're not paying your bills. I'm paying them you are not paying your. bills I'm paying the ones okay let me we. haven't even gotten to the checking. account I've never seen so many. overdraft things happening it's Insanity. that was coming from my savings yes I. know how it works we get it it wasn't it. wasn't like I you were spending money. that wasn't in your checking account so. it's automatically pulled from your. savings in order to pay for it yes but. my check my literally my payroll goes. automatically to my savings so it's kind. of like it's all door Dash.

and at least I was being honest about. the door Dash cuz I know that's like my. you better not lie we're not going to. get anywhere you li it like it was. reason why I'm so intense is cuz I try. to get through try to get through people. and show them what kind of disaster. they're in but you don't seem to even. like do you even care I do care why you. doing seem to show it that you care only. thing I I be honest the only main thing. I care about is somewhere to sleep so I. feel like that's probably it might sound. crazy but all I care about is paying my. rent like all matter. you have if you have other bills that're.

important too I know yes we take care of. the place we live in first and foremost. cuz we're not getting kicked out on the. street I agree with that that doesn't. mean I mean it's childlike Behavior. giving up something that's a little. tough and just saying oh we're not. paying the rest of the bills it's very. said that job was like stressful and you. just didn't like it it's just very yeah. it's. very time consuming it's more than me. being clucked in it's like literally. I don't know but it's just like at some.

point you got to give that like no. welcome to adulthood welcome to the. system we're in I want to help people. navigate the system we're in we can sit. here and be I wish I wish I wish that's. responsible still there it's not like I. I just worked last night I just got off. at 5 this morning still bills I do I. just told you I pay the bills that I. feel like I have to okay you know weigh. him out it's a joke come on $186 minimum. monthly payment and $29 of fees because.

we're not making the payment $57 of. Interest was ACR at least we didn't. spend any money on there oh we can't. because we're $169 over the credit card. limit. 2,269 not angry well usually I'm not. angry at people I'm angry at the debt. but also you're just like you seem like. you just don't give a this and you're. not willing to take a responsibility and. you're kind of like a child so I I am a. little upset I'll be honest pass due fee. $29 $562 of Interest has been acre this. so year so far why have you never paid. off this card why do you not care about. this credit card on one point it was one.

point where it was almost paid off like. it it was one point these are like this. wasn't a couple purchases that got me. this was like a did something massive. and that got on there you get what I'm. saying like at one point why didn't we. start working to pay it off so what what. I was actually trying to say earlier uh. before I was cut off like you're. starting to build a business you want to. build a business right like I've been. very blessed mostly completely thanks to. you all out there that I've been able to.

build a business here I have full-time. employees I would never have gotten into. that without a 12-month emergency fund I. would have never gone into that if I had. bad debt hanging over my head that the. risk profile is just way too immense to. go into a business like that if you. can't cover your bills and you can't. cover your bills you cover some of the. bills the the the the absolutely crucial. ones so you don't become homeless but. you're not covering your other bills. you're. overdrafting it's.

you're not doing this in a right way and. I want to help coach you to the point. where you're do I want your business to. be successful I want you to be. successful but you don't do that if you. do it in a stupid way and you're doing. it in a very stupid way this I can agree. with yeah cool so are you going to be. mature yeah cool are you willing to put. that on hold make some money right now. pay this off and actually take care of. this for the first time in your life MH. okay so you're going to work seven days. a week including more at the club.

exactly I just feel like what the club. can be taken out the equation it can be. something else put there I don't know. what I I'm going be honest I think it's. replace it with something tell me 10 to. two Club that's getting on my nerves the. hours I can work with and it's it's. about the way I get paid that's my where. my problem replace it with something. what are you replacing it with what are. you replacing it with something that's. not building in the ground up you know. that's hard it's hard only because what. can I do only I can do many things one.

thing I do want to lean back into is. just raw serving like raw yeah yeah. abely service based Industries are still. Des I'm not even going to hold you I've. been applying to like very skeptical I. swear like but it's really about amount. that you should I'm a little skeptical. ah so you're not available for the hours. that they need you that they need yeah. okay well that's different so they I. I'll apply for like a weekend job. because of the law firm and the hi stuff. you don't work at the law firm on the. weekend. no I'm saying but they don't they're not.

hiring they want me there on weekdays. okay when's the off to when's the off. that's Monday through Thursday from like. 8:30 to 12 and then I go to hi after now. most play well when and that's the club. right no hi is the school district sorry. sorry sorry yeah and when uh when does. that start and when does it end from 1. to 4:30 so I'm doing two part time you. can still get like a bar shift right for. sure but they don't I don't know if. they're seeing that I know I can put I. will I will do it but it's it's like how.

many do you apply for on a daily basis. it's not a daily basis it's like a okay. you're not doing it right you need to if. you want a job you have to apply to jobs. within that sector like it's a full-time. job you need to maximize your resume. skill maximize your interview skills. through YouTube videos through different. Services you can take advantage of. you're not if you're saying you don't. even apply to at least a job a day. you're failing you're not doing it was. that but this is before hi came along so. this is all within like the last two. months hi I just started two days.

ago that's this is all new to me up. until last year like January 5ifth was. my last normal day of life I was working. the law firm full-time. $1,795 in student loans what's your. degree in criminal justice okay why are. we not working in that in any way. whatsoever. probably by the time I was about to walk. across stage I decided I don't want to. do that any more okay but you got a. degree we can at least utilize a. bachelor degree to hopefully get into. you know some positions so maybe. customer service positions maybe sales.

positions maybe you know it helps us get. in the door we can it probably got you. in the law firm door um which is great I. don't uh so I think we could be making. better. than 30 $30 an hour is not bad but it is. not many hours that's that's what's. concerning about that the law firm I I. was getting 20 an hour now I got my. raise when I was about to quit how much. it's 20 an hours still oh that's the. raise yeah. okay my thing is and this is why I was.

about to leave is because I was getting. paid $ 18850 and I was only paying my. rent just that job alone it was. literally only paying my rent and that's. when I got to back into my attitude of. okay I can't say screw the club I got to. get back into the club that's why I'm. slowly but surely back in the club now. but for a minute I wasn't I'm confident. with the right amount of work the right. interview skills the right resumes maybe. even picking up an additional. certification like if you want to work. with tech I can GI you one through. course careers they're great um I mean. there's a lot of different things yeah.

if we can maximize those skills dude I. can get you $50,000 a year we're going a. 9 to5 work a 9 to5 that might not be. what you want but we got to at least. take advant we got to kill these bills. build up a fully funded emergency fund. 12 months probably before you start this. business Endeavor and right now you're. just like around just just dipping in a. little in these different pods yeah. that's the word yeah I I don't know I. think we need to focus up 10,795 loans. so what's your minimum payment like.

125 what I'm not paying it I haven't. been I can be honest about that that was. supposed to be cuz they've been going. down on their own so I'm thinking the. government got something to do with that. what I'm at least I'm being honest are. you sure you're not get an automatic. withdraw where would they pull it from. it can't be my garnishing your wages. garnishing your wages before they hit. your account potentially I mean that's. an extreme step but it's not unknown. it's not what I'm doing that's not you.

doing something that's them doing it to. you they I haven't seen it do you look. into your pay stubs yeah you do for sure. from everywhere I only get one why are. you not paying this why are you not. acting like an adult no this is you see. how they're saying 2% paid off 1% paid. off yes you probably paid some money. towards it at some point that's not me. that's what I'm saying somebody's doing. some magic right now I was going to let. the magic keep happening and then I was. going to pay atten sh maybe Joe Biden. will come take care of that like he said. he would he tried the Supreme Court said.

no that's why I was waiting now I just. graduated in 2021 so if you can. understand I felt like that was my it's. like three years ago now do you we just. had a conversation about my maturity I'm. be honest yeah I was not thinking about. that stuff I wasn't okay I am now so. you're going to start paying yeah I'm. very skeptical you're just sitting here. no I'm be agreeable I'm definitely being. for real right now why what has changed. from yesterday to the moment you're. sitting right here this conversation. about me being I have to grow up I feel.

like I haven't said enough for you to. all of a sudden be like Oh I'm gonna. start paying everything that I decided. never to pay hon honestly in the past me. having to deal with all these changes. recently I had to open my eyes to a lot. of stuff because like you said I'm. making these choices on my own nobody. told me to go nobody told me to do. anything I I literally did all this on. my own I'm making all these decisions on. my own they tried to they had five. meetings to try to keep me at the lawr. full time it's literally should pay more. that they tried they think that $20 an. hour is what it is and I'm trying to let.

them well then you say no and you'll. find a better job it's not yeah it's not. what it is oh 2018 Missi Mirage G4. what's the interest right on this thing. I think 11% no now let me be honest I. just you say that every time because. just be honest I'm just saying like Okay. this year I paid no this not this year. 2023 in like April that was my last time. even having to pay my car not until. yesterday because I paid a lot of my. principal see that I was thinking about. because was that's what you mean when. you got the loan you threw a big chunk.

of money at it not when I got it I was. just start at some point yeah at some. point so you have to start the minle. monthly payment now yeah justum now it's. 140 it used to be 314 it's. 11% I have a history huh I have a. history with cars what I did something. dumb what okay now this I can talk about. it now because it was something just. stupid um I got my first car 20. 2019 just to I needed a car cuz I was in. college I was going to um prayview and.

driving back so I needed a car I didn't. even know how to drive got the car um. from Carana I think was paying my. monthly through I want to say I had a. finance loan through Navy. Federal then I got another car I tra I. traded that in for a caming in like 2021. now my interest rate because of the. trade off was. so I don't know the word for it I don't. think that impact interest rate well. something your credit score probably my. memory is not that good on credit cards.

not paying no no at that time it was not. like this your credit score yeah it was. my credit score but it was for something. else it wasn't for my credit card I. don't know what it was for bottom line. car got repoed and what the crazy thing. is I had the money the exact to the dime. this was was so crazy all that was in my. savings I just. wasn't that was the dumbest thing I've. ever done in my life your life that was. but I think it was a L disguise because. now my car note is way less my car is.

cheaper than what. credit but now I can actually afford my. car payments so well I could afford them. then because I had the money the exact I. literally spent the same amount of money. to get a new car the same day it was. like you could have sold the car and. there's lots of options that could have. happened that was the dumbest thing I. ever did in my life with your daily. interest your interest rate is close to. 177% 177% is death it is.

death killing it's not even worth it you. could pay this off man it's $110,000. going lie when I paid it off I was. looking at that when I paid off lump. some amount in April it was like 9,000. my balance so this 10,000 already like. it just came out. of so that. makes okay now this is the absolutely. just this is I this is this this blew my. mind. say overdrift overdrift overdrift. overdrive overdrive overdrive overdrive.

overdrive I know it's pulling from your. savings cuz you're spending money that's. not in your checking account why is the. money not in your checking account it's. just automatically going to my savings. why don't you automatically put it into. your checking account or transfer to the. checking account overdrive overdrive. overdrive overdrive overdrive overdrive. overdrive overdrive overdrive overdrive. overdrive overdrive overdrive overdrive. overdrive there's a whole other page of. it congratulations there's like 10 more. pages of it what the why. why I do now use my second savings what.

my credit union is weird enough to like. let me do that so I just keep it in my. savings CU that money is going to just. be getting spent. anyway that's the second savings I do. have a second savings account that you. can't see because I only I can see that. that I now you not going to see it on. there because I wasn't using at that. time I used I start using it this month. when I start making these changes how. much is in that savings probably like. $600 right now be that's good.

when coming from a person like this $600. is nice and then I keep cash I keep a. cash savings because every my gosh one. thing about me every $1 bill I get I. save so that's like my for Server that's. a good little thing to do because I get. a lot of wants so. that's little sa this account ended with. $3,000 in it I. think it's all just going to the. checking to spend on Shadow Creek and. happiness nails and Skyline.

Deli that's indent to go my. daily cash app please don't be what I. think it is no no no see that was one of. the things I said was weird because of. some stuff I had to do for work more. cash app Skyland Deli that's my daily. coffee cash app Skyline daily coffee. make it yeah this is being transferred. from your savings to pay for for it cuz. you don't know how to be responsible.

Lucky. in Lexus. Nails lucky luck. in cash apping out. money going getting some bull from the. gas station toito. whatever transfer STD I don't know. laundry that's what it says it says STD. but I'm sure. it's. landre St.

Louis wor it Hilton what was what was it. what was it a steak it's not worth it. you don't have money it was worth it. that no it's. not you are that I said that day that. was 2023 oh my gosh 2023 was 19 days ago. I'm. changed I'm changed changing feel like. you're just taking this as a joke I'm. serious right now now doesn't feel. serious to me Zeal and money Apple Bath.

& Body perfumes it was my brother's. birthday Maes congratulations happy. birthday I'm getting out of debt so I. can start my business and give you. better birthday presents in the. future Apple golden something Apple. that's my sweet I have to pay for for my. business that's every week which one. golden I have to pay her every week for. my sweet which is one thing I'm trying. to change you rent the. space oh. no about that oh no what's your weekly.

cost. $150 oh my gosh what have you just done. to yourself now that is something I said. that that thing the other thing was one. of the dumbest things I ever did in my. life $50 a month on. average what my heart's racing mine is. too and it should be it's a natural. reaction to This Disaster this is. endless death so let me ask you a. question this is my thought process this. year because my my lease is about to be.

up I don't want to give up on my dreams. I don't want you to either but great. ways to go about it there's responsible. way go I want to get something where I. can do it all Under One Roof you're. going to sleep in this unit no have the. unit in my house so this lease ends soon. my my lease ends soon like where I live. what about this in June that is I'm I. can leave what I want okay and I also. have somebody renting out that space for. the days not there so it's not. like I don't get money off of it if you.

get what I'm saying like somebody uses. it not profiting a little bit yeah you. are not profiting not okay no not. profiting like I'm not seeing a back in. I'm seeing money but it's not like. stopping at the gas station getting some. B still anos and valet service yeah we. can afford that stopping in a Circle K. getting something bull Microsoft. Apple there's the golden team AAS Apple. Skyline Deli Apple McDonald's zelling.

out money zelling out. money getting those MC nugs can't afford. to pay your you're not paying your car. or student loans you do not get some MC. nugs hot spicy no lettuce I don't give a. zeling out money Apple Bill Apple Bill. door dash zeling out money Marshalls. zeling out money Skyline Skyline Apple. Bill woo zelling out money. Marshalls that was for selling out money. cashing out money Apple Bill fit fashion.

razzled Dazzle that was ridiculous. everything has an excuse no like that. rled Dazzle was ridiculous I can admit. that perfume Depot great getting taquito. at. Chevron. scooters it my brother's birthday oh my. gosh is it his birthday every second of. every day apparently he had a nice time. that week good congratulations get out. of day that yeah trip. Trace.

Takira come. on I have no worries you're not starting. your business on the right foot if. you're just blowing all your money. anyway dude like if we into the debt and. stuff I guess I would rather you pay. that off and then start the business but. if you're already in that situation. you're starting a business whether or. not that Debs there blowing all this. money makes no. sense no sense um I can agree only I. guess I'm not being conscious of.

it because I was used to doing that. stuff anyway if that makes sense yeah. it's. called growing up and becoming more. mature growing I used to do all the time. I used to bad finances bad just things. in general yeah I stopped cuz I grew up. I'm matured I think this is just my time. where I I know this it needs to be but. man if we have a follow up in 6 months. and you haven't changed oh I'm going to. be beyond the you be upset I'm going be. upset I don't know man I'm being for.

real I need to change obviously phone is. 418 don't even get me started what's. going on ask my mom what does that mean. I pay her phone bill and she likes to. roam and that what about unlimited for. $70 I I have unlimited I have get mint I. work with mint as one of my resources. tell me about it please cuz hey it's. it's your it's under your name and bank.

account just you do it yes yes you do it. it's not me it's under your name it's. going to your account right oh my gosh. right yeah so call them up and say I'm. not doing this anymore I'm switching. plans and your mom will figure it out. she's a big. girl that's easier say than done no. everything here is but it's still. something you have to do but it's still. something you have to do my mom I know. you can still pay for your mom but pay.

for your mom $30 a month on mint $70 a. month on T-Mobile I have t-mob yeah but. you're on a plan I did come it was one. of those transfer just change the plan. dude but for some reason that I don't I. don't know I know I have unlimited it's. something about that Roman stuff it's. it's the Roman in the international go. in to the grocery store 2.8 going out. the 4.6% of your spending. miscellaneous bull stop we do not need.

ever ever to survive 30% of your. spending that sounds accurate at least I. was aware of it well that pisses me off. more that pisses me off more you're. aware of it but you chose to do it. anyway and you haven't changed a single. thing that pisses me off more I'd rather. have someone come here and I get them. aware of it by going through the. situation and they change it you were. aware of it but you're still doing it. that pisses me off I'm changing now just. cuz you sit here you're not you're not. just going to look good you're not just. going to look good cuz everything called. on you're like oh but I'm perfect now. I've chosen to be perfect leaving this. doorf I'm not perfect yeah but I fixed.

everything that's how this works I'm not. fixing everything I just told you look. at. this I'm not fixing everything you're. not going to pay on your I'm going to. pay on it I'm just saying like if I was. fixing everything I'm not perfect like. this would be at least this say one no. you've kept you've kept making it sound. like from this conversation right now. everything's just going to be good yeah. see I that I do not believe that I want. to have a follow up with you because I'm. being serious prove me wrong please but. usually when I get through people and. I've seen them make progress on the.

private Discord pass guests and stuff. you know they they're still. like it's going to be hard no no there's. still like something to get through for. you for you just saying oh I'm just. going to do it this is like I just don't. believe it for a single second I'm being. honest okay I think maybe a part of me. just don't want to do it but I'm going. to do it I think I'm just holding on to. what I'm used to I'm used to Door. dashing all the time it's it's part of.

but I'm G have to change that I'm have. to go start making on sandwich you have. to but will you I don't yes okay I'm. serious I really hope so cuz it's your. future your future I need I need to I. want my business to work yeah I wanted. it to as well I hate believe it I hate. the club I know you do that's my driving. force of everything is to get out of the. club doesn't change your sping you're. okay welcome welcome welcome what's your.

rent your rent 1500 16 15 just about no. what is. it okay oh I'm sorry it's a lot it's a. lot I. know it's this is the most natural. reaction you could have to. this seeing everything laid out for the. very first time and being called on. actions is one of the most important. things that many of us can have happen. in our lives when you know we know it.

helps us. um so I get it very natural and you're. okay you still look. great okay my rent is 15 but tell me. through your emotions talk me through it. what are you. feeling like I should have been. just like I mentioned with the car thing. like I had the money I just literally.

was I get caught up in life. like half of my late bills are literally. because I forgot to pay I have the money. I was just forget to do something right. as long as you recognize it that's what. the most important thing is uh the. skepticism is just from the. conversations I've this on the show and. seeing how people leave here and what. they actually do but truly if you. believe it that is the most important. aspect of this show is digging into to. people really showing them the nightmare.

situation and these are your true. emotions. showing that have built up in you know. releasing and realizing just how bad. this. is if that's what it takes man then I. you know then that's good that's a win. it's a win cuz this. is it's being recorded fine okay it's. going to be up there it's content for. people to consume whatever people are. going to hopefully learn from it. hopefully some people are going to be. entertained by it hopefully you're.

getting something from this but in the. end this is your life life is not. something to around with you know. whether that be from my end or your end. I want you to do so well as a human. being on this planet I want you to do so. well but it requires immense sacrifice. an immense change and that's what I'm. always scared and skeptical of people. being able to take that leap but if you. realize how bad this is and I think.

you're finally starting. to I think that can be the motivation. you need to at least start the journey. what's going to be crucial is keeping. you on along the journey. yeah okay well utilities on average do. you live. alone yeah when's your uh lease done. June okay and you're considering getting. what like a two-bedroom with one being a. uh. um place for the lips and stuff mhm okay.

so rental will be about the same but we. might give up the 650 from the uh place. you're renting out the extra Place yeah. that'll be okay what are your utilities. on average lights and all this stuff gas. the gas and stuff is included inside my. rent so lights would be like. 180 now um and then probably WiFi like. $60 something like that 60 for internet. okay Dash passes cancelled that's beyond. cancelled you know I wasn't even using.

that Bett plus. cancelled I don't even use that so. exactly that's how most subscriptions. work looks like you use $86 in trans gas. like V vroom gas just is that based on. sh yeah that's based on what we gathered. from your statements um and not. including like the couple dollar. purchases when you stop there car. insurance. $229 oh. and. that's something that gets on my nerves.

okay phone we're getting it down to 200. it just has to be it's just going to be. me one year. eventually stops paying for everybody. cuz I'm paying my whole fames oh well. that's why it's so expensive yeah well I. didn't know that yeah you need to take. care of yourself this it's going to be a. hard conversation cuz I'm not going to. lie my sister is with me now too that's. why I was in like okay then I'll keep it. at 150 let's count at you and your. sister but you do need to set clear. boundaries with the family when you. can't even take care of your own bills.

and you're not my house she's with me no. I know my like technically my utilities. could be less if you know what I mean. does she pay rent I am so yeah. okay that's a conversation to be had. that's a conversation to be had and it's. a conversation with your family to be. had that you're not taking care of them. anymore you're not subsidizing to them. anymore you're taking care of your own. life because you need to be able to. retire at some point and not die in. poverty yeah so it's a conversation you. need to have harder said than done as. you said as I always say but it's a. conversation that needs to be had needs.

to be had. regardless $300 for groceries I don't. eat that much you go to eat all the time. that's why yeah so that toilet paper. fund this is anything else you need to. exist really anything else I just call. it the toilet paper fund cuz this is. what I called it the first time. $100 um that can be car maintenance. sometimes it can be like stocking up on. toilet paper that month it can be SP it. you know whatever it is MH anything else. you need to survive other than obviously.

paying your. debt paying for those raggedy Club. uniforms is actually a expense. okay and but I think what we're doing. honestly I think what we're doing this. is not going to be an instantaneous. thing but we're applying for jobs like. it's a full-time job utilizing our. degree looking for a 9 to5 and we're. probably quitting all the jobs you have. once you get accepted into a job and. we're doing a 9 to5 temporarily well we. pay off the deck get a 6 to 12 month. emergency fund and then we're going all. in on the.

business come on please be aligned with. me there please but but. because what I mean technically I can go. back fulltime at the LA friend I know. but I we can have you making more money. I know you can make more money I I know. I can that's my thing like I want to I. don't first of all you're going to go. through our budgeting program so you're. going to know how to actually do this on. your whole thing but besides that I'm we. were also doing you're going to be. working on uh do a resume Builder online. they're not much it's a worthwhile. investment and watch YouTube videos.

great free platform on right now. on interview skills and then I want you. to set a threshold like 20 jobs a day. minimum that you're applying to remote. inperson hybrid all office manager. customer support blah blah blah blah. blah blah blah blah blah you're doing it. you're doing it we're shooting for. about I want to shoot for about 3035 an. hour shoot for we might start around 25. but even if we're working 25 full time.

instead of two kind of parttime jobs. we'll make more eventually yeah um and. even if you're working a job in the. evening temporarily you might be working. seven days a week all the time just to. get out of debt which is okay your debt. minim monthly payments is. $451 that we're going to start paying. guys it's a new year and you need to. make your money work for you you can do. exactly what I literally do right now. and put my money in the best high yield. savings account soofi I get a 4.6% yield.

on my money and I also took advantage of. the bonus of up to $250 when I signed up. you can start 2024 off Amazing by doing. the same by going to the link in the. description below so let's see what we. need to. survive and yes again when is your lease. up again. June so I'm I'm still calculating the. 650 towards it because I doubt you're. going to give up that studio right oh. I'm not gonna lie. I'm I've been thinking about that for. the cut it cut it now no it's cut it's.

not even a question anymore the fact. that it even allowed to I allowed myself. to consider it I'm going it's going to. be another month at least stop I have a. contract stop I have a contract oh but. you said you could stop it whenever is. what you like literally told me okay. fine another month and then you another. month yeah cuz she's a nice lady. fantastic congratulations to her that. does not dictate your final way like. someone I let someone use my site I'm. sure somebody could let me use theirs if. that makes sense okay but it sounds like.

you want to run it out of your place. temporarily you know actually now I. can't you should go to people's places. why don't you be that's my only option. because wouldn't people rather have like. an at home service actually no I I don't. want people at my house huh I don't want. people at my house and I can't have. people at my house right now but I don't. know in your new apartment yeah and my. new apartment is right now no that's. really what my holdup is because I have. awkward six months listen of pain $3,056. is what you need to survive on a monthly. basis after this month that's your.

minimum I do not know what you make now. you do not know what you make now. because that was weird we stopped making. we we dropped many hours to different. places things got weird I don't know but. that's what you need to survive now I. know for a fact with your degree with. your uh resume experience if we improve. some skills on resume building in. interviews and if you want to get. certifications anything like that cool I. know we can at least bring in $5,000 a. month. net $5,000 a month net giving you an. extra $2,000 a month I know we can I.

know we can I know we can first thing. you do in that situation build up $3,000. that's a one month emergency fund in. course in case anything happens after. that pay off the quick silver card you. pay uh you'd be able to pay that off at. that point within a month within a month. no spending on it not even close not. even a question not even the. consideration monthly payment to tell. them from there that insane 18% death. Insanity on the stupid car it's paid off. in five months five months and you own. the car right out it's awesome six.

months Quicks is gone and the car is. paid off fantastic one and a half months. you have a one month emergency fund so. in total 7 and a half months student. loans if the interest rates are what I. think they are if they're below 5%. minimum monthly payments set it up on a. traditional repayment plan 10 years. um and it's not going to be much it's. going to be like $125 a month but. minimum monthy payment sell that paid. off what I then need you to do if we. really want to go all in on this. business which is a risky Venture so we.

give ourselves an extra buffer uh with. where the debt Min monthly payments are. going to be gone we're going to need. about $2,600 on a monthly basis to. survive call that 12 $31,000 is what. you're going to save up $331,000 with. the additional $33,500 you have left on. a monthly basis minus the $3,000 you. already have saved up in your emergency. fund divide that by the. 2,5 $500 you have left on a monthly. basis it's going to take about another. 11 months now you can be a little more.

risky cutting that in half having a. six-month emergency fund before you go. all into the business i' still work on. the side just cover the basic. necessities uh about $2,500 on a monthly. basis but but I would try to get the 12-. month emergency fund if you can now best. way to do that increaseing income uh by. working every single second of your life. I don't you it doesn't sound you don't. have a ton of responsibilities in your. life as far as I understand it come on. responsibilities like extra things you. have to go do have to have to there's.

obligations but have to do you don't. have to break that down some more 9 to. five uhhuh and then after 9 to five a 5. to nine 5 to 10 yeah I feel like that's. my life it is but you're doing it in a. terribly unproductive way where our toes. are barely dipped into things that are. not milking us a good return so we're. getting you a decent 9 to5 that I think. will give you at least $5,000 in net so. this is all easier said than done but. that's what you have to shoot for by. working on the resume skills in the. interview skills and applying to minimum. 20 jobs a day on LinkedIn and indeed let.

me tell you oh gosh okay I did this. seven days a week thing before no this. is temporary do you not understand that. this is tempor temporary I did it before. I'm telling you I had a sej my sleep and. that's scary because of that though is. that what your doctor was my lack of. sleep I was not getting sleep at all no. no no no we don't say I feel like we go. see a specialist and we determine why. told me that that that's how I feel I. don't care how you feel we see a medical. specialist and expert and we try to get. diagnosed. we don't dictate our lives around a I. think I if a life-threatening event.

happened if a lifethreatening event. happened we see a specialist cuz you're. 24 years old you're probably on your. parents health insurance sure yeah yeah. okay take advantage of that there's. going to be co-pays there might be some. Auto pocket expenses it's going to. happen I'd rather save your life yeah so. talk I would actually go see your doctor. like immediately this week um D you you. had an actual season right I'm so. serious yes okay I connected it to I. don't give a you connected it with I I.

don't give a sh I need you to go the. reason I don't give because your life is. too important for you to be like I think. this is why you're going to go see a. doctor you're going to start going. through the system you're going to try. to figure out a diagnosis and they're. going to tell you what kind of extremes. you're going to go to now sleepwise I. said 9 to 5 5 to 10 that's still you're. still going to get eight hours of sleep. there that's chill you're just not going. to have a lot of free time but it's okay. free time is less money spending you do. not have money to spend I know what I'm. saying sounds so hard but I'm talking. for the sake of your business I wanted.

this to be my business so I saved off a. big fat emergency fund before I went all. in on it that's what you got to do it's. a sacrifice that you don't want to do. but it's what you got to do for your. dreams cuz your dreams in your life are. more important than. these than these debts so go kill. them because I think you could actually. bring in about an extra I think you on. top of the five bring it in I think you. bring an extra $1,500 net on a monthly. basis that speeds up this whole process. I think in a whole year at that point.

close to a whole year all the bad deaths. are gone and you'd have a comfortable. enough emergency fund to be able to dive. in on the business for the vast majority. of time a year sacrifice at 24 is. nothing nothing nothing compared to the. decades and decades and decades you have. left in your life. nothing Closs what are your thoughts on. all that I know that was a lot it's a. lot it's a lot to think about especially. the sacrifices already. kind of sacrific my free time anyway so. that it's not that big I know but you're. not making progress I'm giving you the.

path yeah so what do you think about my. path I think I I like it and I like that. the fact about the year sounds nice it. sounds lovely because like you said. comparing it to the years and I mean. Decades of just working inly to try to. pay off the same thing when I can handle. it now and then be comfortable I rather. that go through the budgeting program. that'll help you at least stick build. out a budget and know what you need to. live from there you just need to work. and pay off the debt and only stick to. the needs in the budget which is so hard.

it's so hard but it's so worth it it's. so worth it I personally did it and I. know you can do it too the things I want. us to get once we're in the business and. we're paying taxes everything are good. that's when the exciting things happen. we start to build wealth we take. advantage of the years we have left of. compound growth you start investing 20%. a month will still be good for you in. your situation at that age you can throw. it in uh solo 401ks things like that for. tax advantage accounts if you want to. buy individual stocks like I do I throw.

it into Mumu that's really great that's. what I personally use you can there's so. many different things that this is. that's the exciting part and I am. excited to talk to you about that when. that happens but today you need to take. care now it's not an. option it's not an. option thoughts questions comments. concerns. more more more scared to anything but. I'm ready it's good to be scared it's. good to be scared if that's a driving. motivator for you yeah good I really.

really really want my business to work I. do too I really want sacrifice for a. year go crazy for a year for myself. because working for other people. constantly every day is dragging me down. so I'm ready sacrifice to get. there no more door Dash it's obvious. that across the board add up everything. across the usual categories Hammer. Financial scour is not going to be. higher than zero so 0 out of 10 make. sure to check out all the resources. Linked In the description below they are.

what I use or would use in specific. situations including the best budgeting. program in the history of the Internet. thanks to all of our patreon producers. for making this episode possible if you. want to participate in an episode of. financial audit and you're able to make. it to Austin Texas please fill out an. application in the survey Linked In the. description below you can also send a. link to your friends or family who you. think might be good to be on the show if. you have any questions you can email. casting cop hammer.com com.