E-Girl Is Going To Die In Poverty, Again | Financial Audit

Hi, I'm Adriana Lee. I'm 23 years old. and I'm based in Austin, Texas and this. is financial audit. So, this is a. follow-up episode. You don't have to see. the other episode. This is. just going to be like any other. financial audit other than I'm going in. more blind cuz I like to go in blind on. follow-ups and see just how you've done. Now, I am in a little bit of pain as the. Apple Card, which is. like I don't have to look very hard to. see what this is. $7,162. on the Apple Card.

But, last time there was like a weird. tax situation which is not. Oh. paying taxes, saving up for taxes and. and then you're in a lot of debt and you. were spending so much money on just you. just like bad stuff. Yeah. That is true. And but I have done my. taxes. You did your taxes? Yeah. You did your taxes. How was that? What happened? It was good. It was a little bit. confusing, um, but and it cost a lot of. money to get done, but. Yeah. it's okay because they're finally. done. You paid So, you paid it up.

Cool. How are you preparing for this. next year? Are you paying quarterly? No. Okay. But, I probably should. I don't. know too much about taxes. Well, how. many years have you been claiming this. as your, uh, you know, primary income. and everything? Um. You're a Twitch streamer. Yeah, I'm a. Twitch streamer. Link in the description. Um, but I also stream on Kick and I post. on every social media. I'm like an. influencer like everywhere, I guess. So. And. not. What's it called? It's not Fansly. No.

Fanhouse. It's It was Fanhouse, but it. recently shut down, which was a little. bit of a crisis for me. Um, but it. rebooted as Passes. So, it's the same. thing, but it's just under a different. name. Okay. How much money you bringing. in on average on a monthly basis right. now? Um. Let me pull my phone out. Pull your. phone out. Because I have my It's really like. because May is when I first when we. filmed the last one. And I made in total.

because I also have other streams of. income. Um. $6,769. And then in June. I was balling a little bit. I made. 10,000. $484. Very nice. But then in July. I made 4,000 something. So hap- what happened? I don't know. No, no, no, no. Where did the income. source get hit the most? Well, in July. this was I still Fanhouse was still a. thing. It's just um sometimes like we'll. have people.

like as a content creator you'll have. like people who want to support, you. know? Um and then they'll like go away. Like they'll show up, drop a big. donation if it's like on Twitch, or show. a lot of support on Fanhouse, and then. they like disappear. And if you want to. support, I'm not asking for money. I'm. just asking to hit that subscribe. button. We're trying to get to 750,000. subscribers. Let's go. Yeah, but didn't. you say you're going to start streaming? I've you know I've I've thought about. streaming. I'm trying to uh. um especially if it's like Twitch. Uh. you know, I could stream on YouTube. I'm.

not as educated on that, but if I stream. on Twitch, you know, it's a 50/50 split, and I know the time, you know, versus. the money. Like plus all my team's already working, you know, full hours. Do they work more? I don't know. I I love connecting with. the audience in different ways. We're. trying to figure out the best way to do. it. That's why I stream on Kick cuz I you. get 100% of what you make. I struggle with the gambling aspect. Yeah, but. You don't you have to gamble. No, I. know. I know. Cuz I don't gamble. It's.

just I'm a little torn on that. Torn. Torn. So I'm But Twitch used to have. gambling. 100% either way. I know well, their. owner's a gamble. Oh, okay. gambling. company. Well, we'll talk. torn. I'm not 100% I'm not like anti, but I'm also not pro. I'm just like We. won't get into the the Twitch versus. Kick debate. No, sure. Cuz I'm honestly just not. really educated on it cuz it's not my. platform anyway. But so of the income. sources that come in, what took the hit. that decreased your. income by 50%. that month? Um. Fanhouse? Yeah. Okay, so Fanhouse.

dropped by like 5,000 subscribers? Or 5,000 dollars? In terms of like and I took a vacation. that month so I wasn't really like. working cuz I took like a week-long. vacation to Mexico. Um which was paid. for by a family friend. So um that's. another reason I was like away from my. computer all the time. I wasn't really. like staying on top of like replying to. people or streaming or whatever. I Vacations are good and I think. everyone in normal jobs have vacations. and we're doing like a week vacation.

here shortly, but like am I going to be. really on vacation? It's hard to say. I. think when you're in the social media. space, content creator space I. unfortunately don't think in the grind. Mhm. that there are vacations. And I'm. I'm not saying that as like I want you. to work, you have to work. I'm just. being a realist as of being in this. position. I know and I I've had like videos. scheduled during my vacation because I. try to keep YouTube consistent at least. Um. and like my reels obviously cuz I do.

Instagram reels. It's like my main. short-form content that does well. Okay. Oh, very nice. Yeah. Okay, so then we went to August. How was. August? August was also 4,500. a good trend. But then recently September. been so far? Um I've made 9,000. Very good. Where was the bounce up? Where did the money come? have. um like contracts that I can't really. talk about right now with certain. platforms and I'm also um. ma- doing like contract work as well and.

So what would it What made up the. additional 5,000 though this month so. far? So 4,000 last month. Okay, so now that that's back up and. running, people have converted pretty. well to. Yeah, and my contract work. So which I. can't say cuz I already asked. I asked. if like, "Oh, am I allowed to talk about. this?" And they're like, "No, because. they. No, no, no. We don't have to say who it. is or what it is. Are you allowed to say. financially what you might benefit? Yeah. Um. like. my contract work.

that I have right now, I make at least a. thousand dollars extra a month. Okay. And then um. very much. Hopefully it's not using a. ton of your time though. And I'm doing a partnership with Passes. as well. Oh, good. So. Oh, that's good. So, yeah. It's been about It's been like six. months. What? Why? It's been like. months? Huh? It was May. Last time where I was here. May's not. six months. Okay, it's been like four months. Yeah. Four or five months. And also I moved, so I want. Well, even still four or five months, why is this credit card.

No, listen to me. Before we get into. this. I moved. And you know how much moving. I've moved every single year in my life. since I've left high school. Really? Yes. Don't you hate it? Yes. Well, except for when I was in my condo. That was the first time where I stayed. somewhere for more than a single year. Yeah, but you like own your places. And yeah, well, that's only recently. And still for 10 years though since. leaving my house, every single year I. moved at least once. Okay, because moving with like. like having to pay like the first and.

last month's rent and then the security. deposit and then I have cats, so the pet. deposit and then you have to I hired. movers to help me move. have to. I you didn't have to hire movers though. I did. Why? Because I'm only me. You. have friends here. I know you have. friends here. I'm seeing your friends here on Friday. or Saturday. It's your birthday time. little girlfriends around here that are. not going to lift stuff. You have And you know you have. You. haven't seen my any buff muscular men. going to Unless you were trying to You.

didn't ask me. I'm not buff or muscular, but you didn't even ask me. me move? Well, no, but you didn't even. ask. Exactly. I know you wouldn't. You're busy and my other guy friends are. busy. I'm busy and fat, but you could. have asked. I would have appreciated it. ask. I'm not going to Well, that's how I. feel about asking for help. No, no, I'm. kidding. But Okay, okay, okay, okay, okay. Yes, yes, yes, yes. And that's why. we have money to be able to pay it. Even. still, after 5 months, you know, we. talked about having savings on the side, stuff like this. You know, getting like. a 1-month emergency fund, all those. lovely things, all which can help can.

help offset that. Okay. Yeah. You did not do. I had saving I had more savings than I. do in this pile, but I used them to pay. my cuz I had to pay double rent for 1. month. Yep. So, I. had to use it. Which Okay, perfect. Like, that's what I. I if expense like that comes up, that. would be good. But why is the credit. card Why are we at $7,162. horrible debt dollars? That's in my snowball. That one's next. So, what Walk us through where you've.

been in the last 5 months. In your journey then. Um I paid off. three of my cards out of five. And. that's my one of my biggest cards, and. it's not paid off yet. It's my second to. last snowball. Mhm. And do you have a. 1-month emergency fund currently? No, but I have half a month. I'd get to a month because it's just. risky. It's dangerous cuz it will. actually I I have. Eventually, I want you to be like a. 9-to-12-month emergency fund cuz you're. like a business owner, and on the.

content creation side, it's so ebb and. flow that you've seen. So, I want That's. like that's what I have, and I want you. to have that as well so that you're safe. on the side. I want you to at least have. a 1-month emergency fund before we start. aggressively paying off debt. Okay. Oh, also, um I wanted to mention I also spent a. lot of money recently on furniture to. furnish my house. You did not have to do. that. Um I don't want to hear it from you. Because I saw your financial audit, and. you finance all your furniture. Yeah, cuz I can afford it, though. Yeah, but You know why I finance? I'm.

not against financing. Financing's a. great tool for those who can leverage. it. I used it because instead of. dropping 15 down $15,000 in the moment, I invested it and I'm paying it off. before the 0% kicks in. You we're on bad. credit card debt with interest accruing, just dealt with a tax situation, have a. half of a month emergency fund. Half of. a month emergency fund and you went and. got furniture that by the way, you hired. movers to move furniture. So did we. really need to go like. Yeah. Why do we need new furniture. though? You could use the furniture you.

had. uh small two-bedroom to a house. Okay. So we wait till we're out of debt. to get furniture. It's a want though. The extra furniture cuz you had you had. the furniture you needed. I guess so. Yeah. But. I wanted other furniture. And and I've. been a little I've been savvy about it. Because I Who's savvy? What is this? You've gone from $6,800 I've been savvy. on your previous balance to now $7,482.

A card that's supposed to be snowballed, but you're adding money to it. How? You went from $6,800 to $7,482. Cuz I was still paying off my iPad. No, that's not why because there's Apple. bill, Apple bill, Tropical Smoothie, Taco Bell, Apple bill, Tropical. Smoothie, Tropical Smoothie, Apple bill, Tropical Smoothie, Tropical Smoothie, [ __ ] some big cartel thing and okay, lemon insurance, that's fine. Then Apple. bill, Tropical Smoothie, Apple bill, Apple bill, Starbucks, Apple bill, Apple. bill. What are these Apple bills? $10, $15. They're probably they're like Apple.

Pay, swiping out, using buying stuff. online with the Apple credit card. You're going to kill me. You're going to. kill me. You made it sound and this is. the first time I'm seeing this page and. there's a hair stuck in my tongue, I. apologize. This is my first time looking. at this page. Mhm. I didn't even know this was coming, but I was feeling it coming. But you had. you set up the expectation. an honest. Okay, that was like what do you mean? Of. course we're looking at your most recent. 30-day statement. You can't just change. things for two days and call it good. I. can't diet for two days and say I'm on a.

diet. And I'm doing well. I actually do have. something for you. Here. I think you'll like it. But you spent money on this. Yeah, but that's okay. I don't want the other one. I got something for myself in the. Um one's chicken and one's steak.

I guess I should. see what this actually tastes like. I've. never had one. You've never had. It's 7-Eleven, though. Really? They're. so good. Okay, it's delicious and I would destroy. the whole thing. See, are they not worth it? No, not when. you're in debt. What if you're hungry? Then you make a Well, I actually did. make a sandwich before I came here. It.

was with cheese and spinach and onion. and and and meat. Mhm. I mean, you make the sandwich you want. to make. But you also went to Starbies. And all these $10, $15, $9, $9, $5, $17, all these Apple things that I don't even. know what they are. And I don't. just That's bad. That's bad. And I know, but guess what? Cuz you're going every single second of. your life. I also um been tra-. kick to it. Yeah, I also have been um. I canceled a lot of sub-.

Well, I canceled a lot of subscriptions, too. These are not all subscriptions, though. I thought maybe they were. are. Yeah, but like unless you have like. 30 subscriptions, I don't know. This is you swiping your. Apple card or doing Apple Pay and it's. coming up as Apple bill. You're spending so much money. it comes up as. That makes sense, then. Yes, you're spending so much money on a. card that you can't even pay off. Yeah, that's true. 24.24% interest rate. Oh, I didn't that. was included in this.

What do you mean? Like I didn't know. this page was included. No, yep, there's your finance Apple. finance the Apple finance the Apple. But. yeah, that's just the last of my um my. snowball. I know, but you're spending on it. If you're going to follow the snowball, don't spend on it. Okay. And also, if you're in the snowball. trying to get out of debt, we're not. going to smoothies every day, we're not. going to Uber Eats, we're not. I have something to say. August was also. hard because it was my first month. switching from Fanhouse to Passes, so I. didn't have a lot of money at the. beginning of August. So you put it uh.

all the food that wasn't nec-. There wasn't a single necessary purchase. on here, so you cannot justify that. What? There has to be at least one. necessary purchase. Let me see. Lemonade. lemonade insurance. Yeah. One. The rest was Two, cuz I have two charges. of those. Yes. Uber Eats Uber Eats. $143. was squeezed from you. Squeezed from you. in interest. Yeah, I'm not proud of that. We're. having this conversation cuz I'm your.

friend. I am going to. your birthday, my introverted being. dragged out on Saturday. And I'm here to. learn. You're here to learn, and this is. the conversation I wish someone had with. me a decade ago when I was. And I'm doing it in the exact same way, tough love that works for me. So, my. dude. I'm getting a lot of tough love from. your comments. I want to thank today's. sponsor Opus, and this is an exciting. one cuz you could win a thousand. dollars. And here's how it works. Opus. Clip is an amazing AI tool that will.

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sponsoring this episode. Well, I saw. something mean on there. We we shouldn't. we Someone came on cuz I watch your. channel. Obviously, I came I originally. came to your channel and came on the. first time because I watched your. channel. Um for like a minute and I was like, "Oh, he's from Michigan. I'm from. Michigan." And I live in Austin. Anyways, besides the point, that's how I. found you in the first place. And then I. saw. um someone else go on your channel that. was like, "Everyone's been so supportive. and helpful in the comments." Y'all are. mean to me. Yeah, I have a video. You you guys.

should always be nice cuz you're a. for coming on, trying to get help, giving us an update, putting your. situation on display, other people going. to relate to. So, everyone should always. be nice. It should be a positive. supportive area in the comment section, but I know it's hard. I I know it's. difficult. okay. It's I'm a content creator. I I'm. used to it, but. Yes, the internet is full of faceless, nameless and that's something that is. unfortunately impossible for anyone to. control, but. Yeah. What's the minimum payment on this, by. the way? Oh, $294. Oh, yeah, it is high. on that. I forgot. You're losing so much money on that.

interest, dude. Who, Adriana? Oh. So, this one's paid off. Mhm. We have a. paid off one. How does that feel? It. feels good. Yeah, that's awesome. That's. really good. So, when was this paid off? Um well, I did pay it off the in June, but then I used it again. But, I paid it. off um, at the beginning of the month. Do you pay it off every time? Does it. ever accrue interest? Um, I don't think so. No, no, no, there was no interest.

charged. So, you know, I'd be nervous. with where you've been. to do credit cards and stuff like that. cuz you could easily fall into a trap. Wait, this is a different This is. American Express. Yeah, so, oh. Uh. I can't see the interest. I don't think. so. Almost kind of tastes like a hot pocket. Yeah, it does. So, Okay, you came back to that. Okay. I Yeah, so, I'm nervous about. credit cards with you. Nervous. But, Obviously. but, well done. Thank you.

good. This is We can celebrate this. This is fantastic. with a taquito. Yeah, the taquito. Absolutely. I don't like that you just spent money. on it, but It's like it was like a whole. Goofs and gags, I get it. Yeah. It was It's a business write-off. It's in the video. So, the Amex. Yeah, that's my last snowball. It's your last snowball, but why are we. putting money on it? Why are we putting. money on it? Because a lot of things are like already. hardwired to auto pay to that. Change. it. It takes 2 seconds of your life.

I know. Okay. So, also scared because. Go on. what if I. auto pay a bunch of things to my other. credit card and then I go under. Like, what's it called? Overdraft. What if I auto pay things to my debit. card and then it No, no, it's cuz you. always I would always have $1,000 in. your checking account. Okay. What? That's not the case right now. I have. like 500 as of today. Okay, so, I would. just try to get to a point where we have. $1,000 in your checking account.

The minimum monthly payment on this I'm. trying to figure out. The minimum monthly payment um, last. time was expensive because you're going. to be mad, it was $300 over the limit. You what? paid it off. See? See? That's You may as well. overdraft at that point. Overdraft would be worse. Because clear. You know why? Because I did this. Clear. It It does every year. Yeah. Where you go. I know, but if your balance is right.

there to begin with, dude, it's like. it got charged yearly, I didn't prepare. for that. There's just You shouldn't You. should But all these other ones that are. on here anyway shouldn't be there. Oh, you know why Clear's on there? Because I got an American Express deal. where it was like 50% off the first year. if you use your American Express card. So I was like, "Okay, sure.". Cool, that's great. That's awesome. But. we still have Prime Video, and another Prime thing. Amazon Prime, and your Google storage on. here. Again, if we didn't have these. recurring charges on here in the minimum. monthly payments would be at least be.

slowly paying this down, and then maybe. at that point when a $259 charge comes. in, sure it'd bring it up, but would it. go over the balance? Maybe not. I don't. know. Yeah. That's. But you're You're putting on here, dude. That So what's your minimum monthly. payment on this? Cuz I can't I can't see. it. I would say like. 300. Okay, we'll say 300. And I don't know how much.

Okay. The interest. Okay, so. What do we have here? Customize cash re-. or world mastercard. credit card. Current balance in negative, so we're. paying. Thank good. Because I had to use it a couple of. times, so I paid it right away. That's. why it's negative. Beautiful, which is great. Which is great. I still don't think. Well, we have those other debts that we. should be doing Uber Eats, Hulu, Amazon, Amazon, Amazon, Amazon, Amazon.

Well, I was buying furniture. I don't think we would be getting. furniture as we've clearly discussed. Amazon. It was cheap. Dude, it was money and you were. overspending on a credit card that you. already. If we can't pay off credit cards that we. have, we are not getting things we don't. need. Especially all that bull put on. the Apple card was [ __ ]. Well, once you see my place, you'll be. like damn, for real. I promise, it's really well furnished. Congratulations.

One, I don't care about that kind of. stuff and two, it's like I would rather. you be out of debt every single day. Every single day over me being like, oh. look at the couch. But I also feel like it's like. I'm living like I'm working at my debt. on my own pace cuz I've already I've got. Okay, listen. Your own pace? Okay, let. me finish. So, I am working at my own. pace and I'm also living in a. comfortable environment of my house. because it it was all empty and not. comfortable and what's the point of like.

going from an apartment to a house if. it's just going to I'm just going to. treat it like an apartment. to a house? So I can have more space. Mostly to make. content. Maybe you didn't need to do that yet. until you. Because I'm doing lifestyle content now. Maybe you didn't need to do that yet. until you were out of THE BAD DEBT. MIND. YOU, you're you're over the credit card. balance. Okay. Ugh. But you're lucky. because. um like you have like your niche and. like you like are like happy with the. content that you do. I do content, but.

I'm not particularly ecstatic about it. or passionate about it. I'm passionate. about my show. Yes. But I haven't been. able to do my show because of my. apartment is such a small space and I. had it in like the smallest little. space. So. I'm going to push back on this. I know, oh well, start with what you have is. what you're going to tell me and I did. Yes, and I did too. I did too. It was in. my little dining nook in my small condo. with two rented cameras. But I waited and Not until you could. afford it though. I only got a studio. when I could afford it. You didn't.

You're losing $500 No, no, no, you're. losing six, seven hundred dollars on. interest a month from the cards and you. were over a max on a credit card. Dude, this is I'm not beating you up. This is. out of love. I want you to do better. I. cuz imagine you being able to fully. focus on your content creation because. you didn't have to worry about debt to. pay off. Yeah, I guess I just get too. excited when I get passionate about a. new project, so I just want it to. happen. That's fair. I I get that with real. estate. I get that with real estate and. you know, I made uh some impulsive. decisions that I'm learning you know,

what to deal with. None of them have. been have negative life affected me cuz. I'm still relatively smart about them, but yes, I at least get that concept in. the mindset around it. I'm just. we do we're not spending. including that furniture. until. we are out of bad debt. No more. Let's. prioritize. You're free to make any. content you want to make when you don't. have obligations to a debt company.

Yeah. Right now you have obligations. They're. holding you back. I guess it's just like the struggle with. content creation. It's like I. Talk about it. I have had like this. niche, but I want to venture into. different niches and different. audiences. you describe your current niche? My. current niche is Omegle and like. um what's it called? Like improv. audience work. So, I'll like go to the. bars and I will. um like interview people and like make.

jokes and like kind of like troll. And. then I'll do the same on Omegle. I'll. like come up with a character. Like I'm. going to be. weeb. So, I'm like on Omegle like saying. all this weeb stuff. You know what a. weeb is? You don't know what a weeb is? I'm. You're not that much older than me, I. found out after watching the whole. thing. I'm 23. Oh, not but I am older than. is? It's like a fan of anime. That's like kind of cringe. And you're like meow. You know. Okay, anyways. um but that's I just make up characters.

and then I'll go on Omegle and see how. people react to them. So, that's what I do. And I like it. It's a creative process. acting out as a character, but it's. it's just like a rinse and repeat kind. of thing I do. Mhm. Which I'm like fine. with it, but I want to do content that. makes me feel more fulfilled on a. creative level. So, tell me about that. What do you want. to do? So, I like production. So, I. really like my show called Drinking with. Dre that I haven't like done this whole. year because of the money, really. Like. I've just paused it because I haven't.

done it since February because I can't. really afford to do it right now. Which makes sense. And um. I like coming up with a production and a. talk show where I like bring my friends. on and like other content creators and. we talk about like the industry and we. talk about like. it's like you put down like the. like content creator wall and you just. like talk like people. Like that's the. point of my show, which I really am. passionate about. And then I want to. make content that it's just more of the. content I consume, you know, like.

commentary and like. um like creative. I don't know. I don't I've had so I have. so many ideas, but I don't have a way to. execute them yet. Yeah. But I think I. should make. Don't you think you get more freedom to. try those new ideas if you do not have. like a. uh. $600 a month obligation to a balance. you've accumulated and you continue to. accumulate? I feel like the thought of. credit cards has never really hindered. me.

Because I know a lot of people have. really bad anxiety of holding debts and. I know a lot of the comments I've seen. you guys um comment like, "Oh my god, I. could I'm stressing over $1,000 and this. girl has $11,000." It doesn't really put. me in an a state of anxiety having this. debt cuz I know. or I have faith that eventually I'll be. able to take care of it. What? There's. There's some And I'm working towards it. There's some quote in the world of faith. and I'm not going to get it right, but. it's like faith without action is like.

Did you see how much I was making last. time a month versus. Well, I also saw you putting. $1,500 on the Apple Card that's having. interest get charged like crazy and then. you put a lot of money. and I've made a lot of money in the last. time. You've made progress, but I am not one. 4 months. I am not one. It's been five. rounded. And you've told to even like. touch the credit card down. And I've. done it in 4 months. Listen. Five. Whatever. I am not one person. I am not a person who if I care about.

people, I am going to excuse bad. behavior though. I celebrated the cards you paid off. Like this card. This is awesome. This is. great. Yeah. Thrilled. But if we just. sit here and say everything's perfect, everything's fine. everything's perfect. No, no, no. But if. we don't call out what's more. disastrous, Yeah. I'm not doing my job. I'm doing a. disservice and I'm not doing. to you what I would do to any friend or. what I would want someone to do to do to. me. Okay. So,

I I get what you're saying. I do. I want. you to have more creative freedom and. for what it's worth, yes, you're right. I've been incredibly blessed and it's. all thanks to these amazing people. Mhm. I've been beyond blessed, but I. I kind of get what you're feeling. I'll. I'll be honest. In general, I actually really don't like this job. I mean, that's what happens when you. take a something that you have as a. hobby and you turn it into a job. It. starts It feels like a job. it's it's a little different for me. I. love these conversations and I like. working with my team and all that stuff.

I don't like the online pressure. I. don't like. even I'm very blessed to have an. audience because it pays the bills. I. The number next to it gives me a lot of. anxiety. There's a lot of people and the. bigger you get, the more people out. there, random people you'll never meet, assume that you're some evil person. who's, you know, doing whatever and all. this crap. And that kind of stuff it. gets to me. It gets under my bones and I. So, no, I get what you're saying. I. really do. I can relate. It is really hard. I mean, like the. comments I've gotten on the last.

financial audit I was on, it's like most. They're very misogynistic and it's very. like, "Oh well, she should just start an. OnlyFans." Or "Oh well, she'll find some. dumb guy and he'll take her under her. wing and put a baby in her." And I'm. like, "Why are you saying. That's like quote for quote what I just. read recently. But it's like it's like. to the point where my therapist told me. to stop reading the comments on the. financial audit because they It's like. you can't. It's easier said than done. You know. what I mean? I can sit here and say like.

you can't let it get to you, but it does. get to me from time to time. If I'm. having a bad day and I see something. that I probably shouldn't have even. looked at for my own mental health, it. like throws me off the edge and then I'm. crying and watching PLL all night doing. my work when I should be editing or. something. Yeah. So, I And especially with you cuz. didn't you say you just started YouTube? Yeah, it was like a year and what, a few. months ago? Yeah, and I've been doing it. for like like consistently as a job for. like three or four years. So. So, make.

sure you're being nice. We got We've. been called out correctly so for there. being some more toxic stuff in the. comment section. Like before, it's. gotten a lot better. You guys have been. a lot better and I think it's because we. frame it in a different way where I. mean, it's very clear you're a bad for. being on here trying to get help. So, the comment sections have gotten a lot. better and I really do appreciate that. Honestly, from the bottom of my heart, I. really do appreciate that because I know. the guests do as well because they're. here to get help and they're here to. help people out there. So. Um and I I am sorry that especially then. before we started making that proactive.

effort that the comment sections have. gotten bad. for your audience cuz I have people in. my audience way attack people, you know, if I go on their show or whatever. Like. you can't really. um control, I guess. You can like set an. example for your audience, but you can't. control what your audience does. So. Sure. Anyways, so a little side note. So, yeah, again, I want you to get to. the place where you can experiment with. new content and do the content you want. to do. I'm blessed, I'm doing the. content I want to do. I want you to be able to do that as.

well. Um. You know, I get the thrilling reward of. being able to see people in the comment. section and in our email and people who. come back on the show or just keep us. updated who've paid off their debts. And I get so [ __ ] excited and I want. you to have that thrill with whatever. you're doing and what you want to do. Yeah. You can get there. Let's get there quicker by not putting. balances on our credit cards. Okay. I can't promise you I'll be perfect, but. I um, like. reason I don't like that and I have to. push back on that is because you're.

setting yourself up for potential. excuses. Don't set yourself up for. excuses. No one's ever going to be. perfect, but when we say that out loud, we say, "Oh, it's okay that I'm not. perfect." Right now, swipe, swipe, swipe. I've actually, I'm not going to. lie, I have cut back a lot. I know it. doesn't look like it, but in. terms of like my thought process when I. go to like, "Oh, I'm so hungry, I might. want to order food." I will like cook. more often. You know what I mean? news is when you're out of bad debt, have a fully funded emergency fund and. you're contributing 20% to your. retirement. not spend, I know. Not that. You have.

30% of your money that you can spend on. whatever the [ __ ] you want. I don't. care. You're We're just not there yet. So, you pay this off. Again, this is. awesome. I still wouldn't be doing the. bulk purchases that are on there, such. as that furniture and the Uber Eats. I. wouldn't be doing those. watching, the balance was 3,500. So, that's good. I mean, that's really. good. That's really, really good. Um, PayPal credit. This is You were paying people through. this, right? Yeah, I pay my editors. through my PayPal credit or I'll like do. my um, what's it called? Uh, like not copyright.

sounds for my music. Yeah. Um, I will do that through this. So. this off every month now? Um, I was. carrying a balance the past 2 months. because I was in. a lower. time in my life, but it was 700, but now. it's zero. Good. Because I started. making more money this month. So, I'm a. little nervous having access to credit. What we do instead is we have big. emergency funds to get us through those. situations, but yes. Okay, so let's see here. Do you have a. checking account balance? Yeah, you're. like Yeah, just under 500 bucks.

I'm squinting because I'm trying to see. PayPal stops in my Kia, probably from. the moving. IKEA, Mooney's burger. Dutch bro Okay, so remember, almost. every single day on that Apple card was. you getting some eating out. And then. we're coming on here and we're. continuing and we You know, there's. Venmos out. at my income. Income's great, but we just. But I get No, I'm saying. telling me nothing has come through? get paid like a lot of different um I. have a lot of sources of income.

That's great, but that money should be. going towards paying off debt. And it has. Not all of it has. but it should. Cuz you wouldn't have to. deal with this right now. I know. No, I'm Okay, right now, maybe, but you're going to have to You're going. to have to deal Don't you Don't excuse. Don't excuse. Don't justify. No, because I am going to justify. because You didn't need to buy the. furniture. You didn't. Listen, for the furniture, buying the furniture, right? And then. when when I moved, I didn't have my.

kitchen. completely packed or unpacked, so I was. ordering food. It's called unpack it and. pack it, like an adult. I know. What? You can't use your own laziness as. the reason why. Now, you know I'm not. going to allow that. Come on. Come on. We know each other. You're not going to. You know I'm not going to allow that. But that's just that is the reason, though. Being lazy doesn't mean it's. good. Being lazy or not, that is the reason. Yeah, but like that's a terrible reason.

Yeah. And I agree. Good. Throne gifts. was a deposit. Oh. Mhm. Throne Throne gifts, a deposit. Okay. Chiquees Chiquees love. I don't know. Coffee. Red Robin. Oh, the Red Robin. It's only $12 because. it was my birthday and um Happy birthday. pay off debt. I got a free I got a burger, but I had.

to buy a drink. And tip by tip It's an expensive drink. Well, I tipped. Yeah. Happy birthday pay off debt. Uber Uber. Atlanta Air. god. Oh my god. I'll tell you this. Okay. Lollyfish box top. why. I'll tell you why. Okay? So, my. My friend was like, "Please come to. PAX." And I was like, "All right. I'll. try." And then as my it got closer, I. was like, "I don't think I can. financially do that right now." And she. said, "Don't worry. We'll pay for your. Airbnb and all your food. You just have.

to buy your airplane ticket cuz I get. invited to PAX, you know, cuz I'm gaming. content creator or whatever. Um. So, come down to it when I was there, I. was like, "All right." cuz I had like no. money. Mind you, I had like nothing. And. she she was like, "Sorry, like my. sponsor didn't pay me. So, I can't pay. for your food or anything." And so, we. were splitting Ubers which were like 40. bucks each and I was like super stressed. and sad. I didn't want to like pin it on. her because even though I made sure.

multiple times beforehand, I was like, "Are you sure? Are you sure? Are you. sure?" because I don't really like to. rely on people for that because like. growing up like I had no one to rely on. So, when I got there and I had to pay, it. was just it was very stressful for me, but. um. that was out of my control. And I don't want to throw her under the. bus because she said she didn't get paid. by sponsors. up and Sake House and Sug Soda and El. Bistro. Like, come on, we're eating out a lot.

A lot. That was for my trip. games. Then we have. Is my bills account? Yeah, it's for. bills. So, the other one is a few. It's my spending account. The account. We're not We just We're not spending, though. I'm I'm just I'm a little concerned. Why. How did that not get across last time? You shouldn't be spending money on b-. But sometimes I'll be out and about and. I have to spend money. That What? Like groceries. I spent. Did I read off a single grocery?

It doesn't matter. It does. I guess not. It does matter. there wasn't any grocery trips recently. on that card. No, cuz I don't call it. grocery trips. Grocery trips are okay, so I didn't call them out. All that I. called out was b- though. That shouldn't. be do-. Okay, you're right. You're right. I'm. listening. I'm listening. You You're. Okay, you're listening, but I don't. think you're going to I'm do- I don't. think you're going to do anything cuz. you didn't last time. You've made. progress, yes, but you shouldn't have. made progress this quick. Just a quick reminder that you have. until the end of today to fill out the.

survey near the top of the description. below. Four people will win 250 bucks. that we'll send directly to you. We're. just trying to learn who our audience. is, and then we're going to be keeping. you up-to-date with exciting things. going on around here. So, don't forget. to fill it out. Love you all. Thank you. This That's kind of unfair. No, it's not. Because you said Okay, yeah, I have s-. some money, whatever, but I also have. made twice the amount of income as last. time in the video, and you said it would. take me years, and it hasn't yet. your income goes up, that part will go. quicker, but I'm just doing relative to. the money that has come in. You should.

have gone at least a third as quick. So, I mean, you 30% quicker. You You But you were just spending all. your money on which is b- It's stupid. You That's not fair to say. these are bills. These are bills. Whatever. And bills. Um. but. what you're choosing to do That's Uber. trips. Uber Uber Uber Uber Uber Uber. Uber Uber Uber Uber Uber. the August? Overdraft. Overdraft. Overdraft. Wee-woo. Wee-woo. Overdraft. $10 overdraft. Let me see it. Cuz that might not be for me. Okay, so.

you overdraft for a reason which I. am not. happy with. I'm not happy either. And. fix it. Fix it is all I'm going to say. Fix that. That's stupid. More Amazon. Fitness, that's good. Are you still doing that thing where you. go and get a bunch of needles and. liquids in you? Um yes and no. I don't do it. cuz I don't really have to, but cuz I. don't really drink anymore, but um It's. good. I haven't canceled the.

subscription. That's not good. I know. because I tried to and they're like, you. need to give us a heads up. 30 days. So, it should be next month it. won't be there cuz I tried to cancel. this previous month, but then. um. I get I had to give it like a month in. advance, so. You're bringing in 10,000. bucks, but then again, are you setting. 30% aside for taxes? I was. I I said 20% aside. No. Why 30? I don't think we're in the same tax. bracket. No, because you're going to have to pay. things like self-employment taxes and.

everything like that. Yeah. Top tax bracket is like almost 40. So, it's like but I want you with. self-employment taxes and everything. write off what? Sure, sure, but don't. wouldn't you rather be safe? I guess so. Instead of having to fork. over some money that you're not. expecting. It might be under there. I don't think so. I sent it. Oh, 900. Oh, yeah, my little. All right. It was It was more and it was in a high. yield. um. 4%.

Is that correct? 4% high yield? I don't. know. Was it 4%? I don't know. 4.5 SoFi is what I use. Oh, before? Yeah. Okay, I use SoFi now. cuz it's 4.5%, but Am I going to get. penalized for switching? No. Okay. Let me think. $2,735. on rent. It's a lot. Wait. Okay, I pay half of. that. Okay. So, you pay good. Good. I. was going to say cuz after you set 30%. aside for taxes, which you need to start. doing,

honestly, these next few months, I need. you to start setting 50% aside for taxes. to catch up for the previous months, or. else you're going to have a scary tax. situation again, and I don't want you to. have to pay penalties and all that. stuff. And then you're going to want to. start doing quarterly next year. Okay. Okay. So, good, you pay half of that. That's with That's within your budget. Transportation, 5.8% of your spending. Medical, and I bet it's that thing that. you haven't canceled. Well, there's also. the dental the dental. Yeah, I had I had. a fractured tooth and. Luckily, you're bringing in a good. amount of money. It was 5.2% of your.

spending, but but all the extra. miscellaneous stuff, which by the way, was probably eating out all those Apple. swipes. That was in That's the big one? Uh that's just extra. Other large. purchases, something for KeyBank. Latitude Restore. Bank is my car. Latitude is my old. a Truck, an oil change, ClearMe, lot of. $668 of Amazon. That was Lots of PayPal and out. A lot. of that for work, a lot for splitting. things. Big Cartel. Oh, that Yeah, that could have been for.

work, splitting things. Yeah. And then Apple charges as well. So, uh your BS food is likely actually. closer to 10%. 10% of your spending went. to. But and 10% doesn't sound like a crazy. amount, and it's not. And when you have. no debt and a fully funded emergency. fund now, but guess what? That's 10% of. your spending that could have gone. towards debt. Yeah, but the extra other. things were like my car and stuff, so. they should be in the other categories. Do I Do you hear me being upset about. those? Yeah, I I No, I know. No, so. Sorry. The extra stuff,

then Spruce, Tiny Aquatics. You know you. you know, Don? No. Don's Koi is the. owner. Uh I knew someone who worked. there, though, who was actually. streamer. Who? So worked or works? Worked. Oh, do. you know John? No. John's pretty cool. He's like the big dude. Maybe. Cuz. everyone there is super friendly. So I'm. always talking to everyone there. They're really cool. But yeah, I just. got Non-paid sponsorship. I just got a. bunch of plants from them and just some. soil. The soil is hella expensive. Yeah,

aqua soil. Definitely. quite the expense. Then IKEA and stuff like that. So I mean. you spent a good amount of your money on. uh and all probably about 10% eating out. and getting like drinks and stuff like. that. Just the juices, the smoothies. So. Yeah. Again, not a crazy percentage. It's just that could have gone towards. debt. You're elongating your own pain. and your own situation. That's what. you're choosing to do. You'd rather have a little temporary fun. now. instead of getting rid of the debt. aggressively and then being able to live.

up your life. I could be getting rid of. it aggressively. And I would cuz then. you can live your life. Then you have. lower risk to try the other new shows. You can just do the things you want to. do. Mhm. $10,000 comes in. What's your. What's your portion of rent? 2,350. divided by. 2,735. Oh, but that may have been. utilities and stuff. Oh, it might be then. So just divide. that by two. It could be utilities cuz I. just. Rent, mortgage, water, utilities, and. electric. Nope, that's okay. So you do. Do you split utilities and all that. stuff too? 1,350 divided by One second.

Do you split all that other stuff too? Yeah. Okay, then I'll just do the total. Okay. And we have to hire pest control right. now because we have a scorpion. infestation. Surprised that the. landlord's not taking care of that. I know. I texted them and they said, "Oh, whatever you have to do to be. comfortable." I have That's weird. I I. have a few properties that I've. renovated and then rented out so that. people, you know, It's just because. people would want to live before. But. either way, whenever there's issues like. that and stuff, I try to be, you know, a. really responsible and respectful.

Yeah, so I don't know if. new house. It was built this year, so. that's why the scorpions are there. apparently. Cuz we did some research. It. it. that new houses are more likely to have. in a new house. I have not seen a single. scorpion. Well, if it if it was built on. the. control, though. Okay. So, I guess. I've done a DIY pest control, but it's. not It's not good. No, probably not. Okay. I tried going the cheap route. Okay, what is internet, phone, all that? Um.

my phone bill is. I think 100. Mhm. But I'm paying for my mom's right. now. How much is that? So, 250. Total? My mom and my brother, yeah. Okay. And. Uh. roommate pays for that. Okay, so 250. for phone. Okay. Uh your debt? Looking at. 600, so actually. Damn.

Yeah. Car insurance? Uh my car insurance is 250. All right, whatever the food situation. is at home and all that stuff, you're. allowed to contribute $300 a month to. the pile. And then you have because I. know a lot of it has to do with work and. stuff like that, too. I'm going to give. you like Yeah. toilet paper and makeup fund, all that. stuff, 200. It's usually Yeah, that. should That's fine. Uh usually I do 100. I also recently. um I don't get my hair done anymore. I. did it myself this time with a box dye,

which is so bad for your hair, but. because of what you said last time. um cuz I used to spend $400 getting it. done. Oh, well, that's a lot. So, um. But I know women's hair is very. expensive. I did it myself and. um. I've been drinking out less. I haven't. really gone out ever since. And um yeah. What other What else is in. your monthly thing? There are some. insurances, we'll call them 50 total to. lemonade. I guess. Is there a debt? It's Yeah.

I forgot to include it, but I owe. $11,000 on it, so it's the same as my. MX. But you said I was in the better half of. the loan because it was originally. What's the rate? I forgot. 8. Huh? 8%. Oh, you're in the point where the vast. majority of your payments are going to. principal, not interest. I see. I paid most of it out, yeah. the interest, okay. I know it's a lot. I. got it when I was 19. What's the monthly payment? Um. 400.

I was going to give you $50 for. something. What was that for? Makeup, hair. Uh no, that was 200. What about gas? Um Oh, 50 for the. different lemonade insurances. Oh, yeah. Cuz that's my pets. Yeah. Um I don't. know how much I spend on gas cuz I. don't really drive that much. 90. That's what we had.

Yeah, that was my one time I filled it. up. Cancel everything else, other. subscriptions except for business stuff. Business stuff is good. uh I need a business. to pay my editors. How much goes into business? Let's just. put it all in one for simplicity. Okay, I pay my editors 175. average per video. How many videos a. month? It can range from. Let's do average. Let's say three. And then for shorts, $60 per short, so. 60 * 3, too. So, 175 + 60.

* 3. Okay, any other business expenses? 705? Oh, that's a lot. No. to make $10,000? I guess for business expenses, um. I guess makeup kind of plays into that. Um I put that in your TP fund, so that. works. Or. I like props or anything I I to buy for. like a stream, I guess, but 100 bucks a. month, would that cover it? Yeah.

So, let's call that 805. And then let's call it you have other. subscriptions and stuff for the business. purposes, which are fine as well. So, that's 805. This is round it to 1,000. for business. how much it was last time, too. Was it? Oh, cool. Um okay. So, let's add it to your. budget. And I get $50 more for food now because. last time it was 250. Inflation, baby. Inflation, let's go. You think inflation hit that fast?

You know the dollar. what I'm allowing you to contribute to. store is now the dollar 25 cent store. Did you know that? No. Isn't that like absurd? Uh. yeah. Surprised they didn't just lower the. portion sizes. They probably did that as well. And five There's no such thing as a $5. footlong at Subway anymore.

Yeah, I did know that. That's been a. while, though. So, you easily have $5,500 left on a. monthly basis if you bring in $10,000, which this month you're definitely. projected Yes. If you're not around. Okay, okay. and and and you're [ __ ]. around, so stop it. No, because my extra. 5,000, I guess you're you could be like, "Oh, you could pay toward your debt.". But I've been buying furniture, and I've. also had my extra moving costs, so. what? Stop. So, $5,500, dude, 1 and 1/2 months Apple Card is.

done cuz you're not spending a single. cent on it. It's literally as easy as. that. Sure, the income might be a little. less, sometimes business expenses might. be a little more, but on average, month. and a half month and a half from now, dude, the Apple Card is done. The Amex. Card is done. in just over 2 months. And then the car, I would just because. An additional 2 months from the 1 and. 1/2. Yeah, so at that point we're So three. and a half. Let's call it four months. Let's call it. four months total. Just be conservative.

with the income fluctuating. The car, you're right. You're on the other side. of it, and I was just trying to finesse. things, but what I want to do for you is. I want to make you not have minimum. monthly payments. If you don't have. minimum monthly payments, you're not. obligated to other people, meaning you. can take more risk on businesses. businesses. Last time it was I knew I was aware, but. this time I'm more fully aware of you. wanting to venture into different. things, which might take a business hit. without those the $1,000 you have in. minimum monthly payments. We're just.

trying to fully get rid of them so that. you don't have to worry about those. things. So, in another let's just call. it three months just to be super. conservative the car is done as well. So, additional three months from that. It'll take six to seven months. Six to. seven months. six, seven. Okay. And then it take minus. the debts the $1,000 debts. I. I did not take your advice for. something. I still have $4,000 in my. Robinhood. But it's in the S&P 500. I mean that's.

fine. This is. it's it's like it's growing, but it's. also my interest rate. is it is. The S&P 500 has done great. this year. It's just it's not even. coming close to beating the 25% on. Apple, so it doesn't matter. It makes. sense. could sell it, but I'm like scared to. sell it cuz I'm scared to even touch it. Fine. Do this in seven months and you. don't have to. Or you make it go even. quicker. That's up to you. Then from. there what I need you to do. is at least a nine-month emergency fund, which is $31,500 in a high-yield savings. account at all times, while setting 30%. aside for taxes, which we did not. account into this equation. So, you're.

right. This is actually probably going. to take. nine months until you're fully out of. the debt cuz you're setting 30% aside. for taxes. Nine to 10 months and you're. fully out of the debt. So, that's what we're doing our next. episode? Sure. Okay. And just keep me. updated along along the way just like. everyone else, but. um. $31,000 You never asked for help along. the way, though. Like A lot of people. ask for help, you did not ask for help. or advice. I feel like. I feel weird asking for help because I. know this is like your content. It's more than that, though. what I mean? Cuz I originally Okay, let.

me let me be clear. I would do this if I. was not if I was if I if we weren't. making videos cuz I love this. Okay, cuz I I'll tell you what, for the. first financial audit I went on, I went. on the show primarily because I was. going to buy your $300 little private. session thing so it wasn't public. That. was a long time ago, yeah. But then I was like. I'll just ask him if I can go on the. show. And then free? Then you were like, "Are you going to come on my show?" And. I was like, "If I'm invited to, I will.". Um. So, that's why I didn't ask for help.

because I don't want to like take. advantage You're not. Any financial. You're not. Anyone who's a guest This is. I think for a lot of people when they're. looking through a screen, it all seems. fake and all this stuff, and I get that. I know how like I've been in so many. different shows. I've been so many. but I have a team now that helps. So, we want every single guest along the. process because the most rewarding thing. in the world, regardless of the income. that comes from this, if you get out of. debt and you live your amazing life, it'd be incredible. So, not for a single. second do you think I don't want you to.

think for a single second that you can't. reach out for help or advice. Okay. Always. Always. Always. Always. Always. Please. So, in an additional. That was like five or six months I need. you to save up $30,000 for a nine-month. emergency fund. And then, you're. perfectly fine to 50/30/20. 50% on. needs, 30% on wants, and 20% on. investing. Okay. Always 30% set aside for taxes, though. People always ask me what high-yield. savings account do I use for my own.

money? Some of you know by now it's. SoFi. I love them. It's great for my. checking account needs. It's great for. my high-yield savings account needs. And. right now I'm getting 4.5% interest on. my moneys. I love that rate on my money. So, if you want to get a great rate like. that on your money, just check out the. link in the description below. I have a. paid affiliate link there. You can get. bonuses all the way up to $250, and I. took advantage of that, and you should, too. Okay. 30%?

Yes. Okay. Fine. Cuz I was going to do 20, so 30 is. fine. not mistaken, so you're right. I did. Well, we had discussions about 20 last. time and stuff like that, but I think um. our boy Graham reacted, and he was like, "No, she could get into a dangerous. situation. She should do 30." I think. me a millennial. Yeah, you're not a millennial. I'm 23. No. I'm on that edge, though. I fall into. neither categories. Well, I want to say you're not a. millennial, but you didn't even know. what a weeb was. Weebal? Weeb. Like what a weeb is. Like.

you don't know a lot of internet I don't. know. Gen Z say I'm a millennial, millennial say I'm Gen Z, so it's I. guess you're on the edge. Yeah. I'm in. that weird hybrid. So, either way, that's what I think. I think in a year, if you do this right, a year, year and a. quarter, fully debt-free, taxes are. always paid for, and you have a 9-month. emergency fund, and you can just live. the best life. ever. How do we know what is emergency and. what's not? Emergency is like okay,

something. So, let's say you always have $1,000 in. your checking account, right? And. something like a car happens, or. something medical happens, you know, anything like that. I know, exactly. So, when that happens, and it goes above. that $1,000 in your checking account, then you use your emergency fund to pay. for it. And then But then, you don't. have fun until you refill that emergency. fund until it's back up to normal, and. then you resume life. Okay. So, it's there's safety net. Car. breaks down, you go buy a car.

Like fully breaks down, you know. And then I buy it. I don't finance it? I. would not finance. Okay. No. I don't know if it's like Again, as you. said with like me and my financing. furniture, when you're very financially. savvy, there's ways you can finance cars. and. technically squeeze out an extra 1, 2%. on your money overall. And I like doing. that. For the average person, it's not. right. know specifically if this is a thing. with taxes cuz I'm not really educated. on that. Hence why I'm on the show. Um but with taxes, isn't it like if you.

have a heavy car, you can write it off? Yes. Cuz I have a Land Rover. What? It's When did you buy it? No. In 2019. There's definitely work with your CPA. Definitely work with your CPA. I mentioned that to them, but they're. they're not really hands-on. They just I. just sent everything to You might need a. new CPA. I I might, but I'm scared. Um. It's really hard to find one that. understands. the debt on that. So, you you can. manipulate some things with your debt. So, Oh, also I was going to ask Yeah. um. how your Omegle experience was. Oh,

that's right. So, she convinced me to go. on Omegle once, and I thought about. potentially doing a show out of it like. random audits. my video cuz I do Omegle videos. Okay. do it. Um. way too many schlong-a-dong-a-dongs. um for me personally. And that was pretty much the experience. And I figured out if I'm going to make a. show, probably shouldn't have uh things. flopping all over the place. Yeah, but you were just. censor it. Or cut it out. You on the. live show? I do it on Kick cuz they're.

not as strict if we actually see if we. actually see penis and like, "Uh." And I. skip it right away. I don't want to pay. my employees to have to censor dongs. I know. My editors have a fun time with. that. It was I mean, it was whatever. Yeah. Not for me. Okay. Well, who knows? Maybe you'll find love on. Omegle. But I'll be on your show, though. Yeah. I'll do that. We'll we'll do uh finding finding Caleb. love on Omegle. Finding Caleb 500 dongs. on Omegle. I mean, if you're into that,

Uh, you can find that, too. You can find. anything you want on my videos. everyone finds that on her videos. But, yeah. Any final thoughts? Any final. questions? Um, I probably do have. questions, but. I don't know them right now. That's. totally okay. Well, I'm we're all, yeah. Don't hesitate to ask. Let's get you out of debt. Let's get you. to have an amazing life, yeah. Oh, our. next podcast Yeah. or whatever this is. This this show? This is a podcast format. Yeah. People. consume it as a podcast. Mhm. Yeah. I.

do. When I'm like folding clothes. Mhm. Um, I don't have any questions for the. video. Uh, you said our next podcast. Oh, yeah, when is it? Oh, whenever you want to do. another update, whether that be 6 months. or when you're out of debt. know I'd be coming back so soon. Yeah. I. won't even lie to you. But, I'm glad you did cuz I think we. caught some. on. And I was like, okay. Yeah, we want. to have you on. You're the third most. viewed video. We're friends in real. life. So, we may as well we may as well. record another episode. But, I'm. actually really glad we did cuz I didn't.

have access to your finances before. this, you know, obviously. Um, and hopefully we caught some lots of. justification, lots of things that you. can get out of this a lot earlier. instead of stretching this out to 2 to 3. years. I agree. I I will try to get it done. All right, for Adriana, making progress. Obviously, she could be doing a lot. better. Her Hammer Financial Score, actually don't remember from the. original one. Curious if it raised. It. will be raising really soon as she gets. out of debt. For the spending and the. budget, that was just insane. It was.

insane. It was insane. I'll give it a. one out of 10. Luckily, it's because her. income is so strong, but it was still. really bad. Debt, two out of 10. Emergency fund, at least there's. something a little there, one out of 10. Retirement, a little bit in single. stocks, one out of No, it was a S&P 500, but a little bit in Robinhood, one out. of 10. Real estate, not a part of the. conversation yet, zero out of 10. So, that's going to be what, one out of 10. And don't forget to check out all the. resources linked in the description. below. They are what I use or would use. in specific situations. If you want to. be in an episode of Financial Audit and. you're able to make it down to Austin,

Texas, fill out the survey in the. description below.