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

Hi, my name is Adriana Lee and I'm 22. years old. I'm in Austin, Texas and this. is financial audit. What do you do for a. living here in Austin? Um, I'm a content. creator. Okay, what kind of content are. we creating? Um, I primarily Well, I guess I started. um with like Twitch streaming, but I. also do YouTube and Instagram and. everything short form, you know, the. mass short form posting, so. Oh, Tik Tok, too? Yeah. How many followers do you have on Tik. Tok, Instagram? Um, 109k Tik Tok, 112k Instagram. I'm.

jealous of that. Yeah. You people won't follow me there. Instagram's really tough, but if you. post a lot of reels, some of them might. blow up and that's where I got most of. my followers, so. Got you. Uh, and then how many do you have on. YouTube subscribers? Um, I only have 15k right now. Okay, yeah, definitely on the smaller side for. YouTube, but past that monetization. subscriber part threshold. Yeah, I get like um $6 a month from. there. Okay. So, okay, you don't make your. living there. No. And. put the most money into that one, so.

subscribers, paid followers or whatever. on Twitch? Um, it varies some like. between the months, but right now I only. have like 100 because I haven't streamed. in like 2 months. Well, I have, but not. like streamed, you know? Okay. Like I click go live and I'm like, "Hey." And then I like take another. break. So, across all sources, what are we. bringing in on average? So, take your. high months, take your low months, average, what are we bringing in on a. monthly basis right now? My average um is 4,000 to 6,000. 6, so.

that's like livable. We're living off of. content creation. Yeah. That's really good. I mean, that's. more than livable, that's fantastic. Mhm. And okay, well, how do you feel. living off of that and creating content. and all that stuff? Um, I feel good. I wish that my money. came from YouTube more than it did on. platforms that like. require my subscribers to pay out of. pocket like Twitch and stuff because if. it was YouTube, they just got to watch a. couple ads and it's. This is the best platform for content. creators. I mean, not to be a shill, but. I love YouTube.

It is the best. the best. So, um well, that's awesome. I. mean, you're doing what so many people. dream of. So, that's absolutely. fantastic. Okay. I I think so, too. Yeah. happy on that and then just growing from. there. Uh her link tree's in the. description below for those who want to. uh check out her stuff. So, that's. exciting. Where does your financial situation sit. today? Where do you think you're at? Give us a little. basic summary and give yourself a score. zero out of 10. Okay. My financial situation right now. is not good. I think it's actually the.

worst that it's ever been ever. So, I'm. glad that I'm here. What? In like your life? Yeah. Yeah, easily. Um well, I don't know, actually. Maybe not my life. When you're young? Because like my past, I guess I'll get into it a little bit. I. like used to be. um I got cut off when I was 17. So, I. had to work two jobs while I was still. in high school and then um then when I. got out of high school, I had these two. jobs. I went to college full-time. at Wayne State and I um I had to live.

there, too, because like parents. situation. And then I also was a wedding. videographer. So, I had three jobs and I streamed on. Twitch and I took a lot of Adderall, prescribed, but Well, you said a lot. That makes it. sound abused. Well, not abused. Okay. Prescribed and used as prescribed. since we're on YouTube. But um yeah, I I. worked a lot and um. I was always like really jealous of like. all my friends cuz their parents would. help them with things and even to this. day I have that jealousy over a lot of.

my friends. But um Are you addicted? What? Are you addicted? To Adderall? Do we have addictions? Yeah. Well, not anymore. But but were. Okay. Yeah. Yeah. Um but it wasn't like a like I love how. it feels. It's like I have to work. So, it wasn't like a option, I guess. I know. that people who have to stay on camera. live hours and hours and hours tend to. get into that stuff. Yeah, 100%. It's. definitely I definitely had trouble. trouble with it when I was streaming, um.

but now I don't because. and I'm grateful that like I can live. comfortably without having to do that. and I think that also buys into my. spending and how I'm like, oh like I I'm. not struggling to get by as much as I. was. Okay. Um but uh. that buys into my spending now and um. there's been like times. but when being a content creator I'll. get a lot of money and then I pay off. all my cards and then I'm like, cool, I'm not going to run these up again and. then I do.

Oh. You know what that makes you? I don't know how much. A bad credit card user. Yeah, you're not. a credit card person. You're not a. credit card person. But it's hard not to be. not a credit card person. It's hard not to be because American. Express loves me. Well, no, they love to. you. Well, we haven't gotten. through it but they love to just. Uh that. Yeah, well, I guess that's fair but. they're they're they're ruining you. They love your debt, they love your. interest, they love to just. Yeah. So. But I love them. Give Why the Why? Because they upgrade me to first class.

sometimes. Is that worth everything? I I really like it actually. Why don't. we just do better financially so you can. just afford first class? I want to take a brief moment to thank. today's episode sponsor, Kudos. Be. warned, this sponsorship is for credit. card people. If you are not a credit. card person like many people in these. episodes, close your ears, skip, I don't. care. This is for credit card people. only. Summer is right around the corner. and the average household is expected to. spend $2,644. on travel. And if that sounds like you,

you should try Kudos. Kudos is a free. shopping extension that works on your. computer and iPhone to get the most. rewards back from your credit cards. whenever you shop online. But don't just. listen to me, Kudos has saved the. average user $750 per year. So don't. wait, use code Caleb to get Kudos for. free by clicking the link below or by. going to join kudos.com. Caleb. The future will thank you later. Because like it's like free. Yeah, but you're what I think American. Express is potentially the last one in.

this death pile pile of death. Exactly. So, you're losing all this in interest. So, why are we I am. Ooh, you're getting. me. Okay, you're getting me immediately. Okay. a score zero out of 10. Okay, my score. is one right now. But sometimes I can be. an eight. But right now I'm one. Maybe not eight. No, yeah, eight. Yeah, cuz I paid Okay, I'm going to tell you. something right now. Tell me something. right now. In the beginning of 2022, my credit. score was 760. That doesn't necessarily. mean your finances were good though. But.

they were. Okay. But now. I'm chilling at high 500s, which is. really bad. Dude, that's terrible. But before we get. into this, I would like to let you know. I. called my credit union in Michigan and I. said, "Hey, can I have a loan Michigan, woo. to consolidate my debt?" And. they're like, "Yeah, we can give it to. you at 15%." And I was like, "That's. really good cuz my credit cards are. high. And um It's bad when that's. considered really good. Continue. But. then they were like,

"Where are your taxes?" And I was like, "Well, I haven't done them the past 2. years." What the. No, no, no, no. No, but listen. I just. got a CPA and I'm doing 2022 as we. speak. Are you doing back taxes for. 2021, 2020? Yes. Well, I did 2020. You. already Okay, 2021 you're doing back? Yeah, I just haven't gone through all my. statements on 2021 yet. Dude, why did. you not do it? I know. I know it's bad. But. to in my defense. there's no defense, but everyone around.

me is like, "It's okay, I don't pay. taxes either.". They're stupid. Them. They're stupid. 2 years behind and I'm taking care of it. now. Only 2 years behind. If you don't. want to be 2 years behind on your taxes, I don't know how is going to help, but. hit that subscribe button cuz we're. trying to get to 500,000 subscribers and. we're so close. Yes, IRS don't come for. me. Well, I don't know if I can help you. with that part, but yeah, we're we're. working with these CPAs. Did you file. for an extension for this year at least. or have we just got it paid? Okay. I. checked the IRS website. They're like, "Oh, due in October." So, I'm like,

"Okay, cool." And then your taxes are. going to be due not too long after that. again for this year. So, are we setting. money aside right now? For for the for $4,000, $6,000 that. comes in, are you setting 25% aside. minimum? I have money aside. How much do. you have set aside? Um I have 2,000. That's not enough. in an account in an. account. And then I have 900 in an. account, and then I have 3,000 in. Robinhood. But I was trying to save to. move. You you have to pay taxes. Taxes. comes before moving. Yeah, but they have.

a payment plan. Don't do a payment plan. I did a payment plan for 2020. Yeah, but. don't. That's You're just going to be on. infinite payment plans. Just save the. money and pay it. If you're on payment. plans, that takes from your disposable. income that you could be investing. Yeah, I guess you're right. Pull up that Pull up Let's Before we. even get into this, let's see this. Robinhood. Let's see this Robinhood. What is I've never pulled anything out. of Robinhood besides Doge. Just you know, it's been growing for a. while.

I want you to invest, but we have to pay. we have to take care of the things that. are required to pay before we can do. things. Dude, just trust me. I know you have a. lot of money in. like that it's in Robinhood because I'm. impulsive and crazy. You Yeah. Um I. never touch Robinhood. Okay, let's put. it in a high-yield savings account that. you would never touch anyway. Okay. Yeah, I mean, it it's grown from 2,900. to. 3,100. So, it's not It has And that's. over a year. So, it hasn't even been. that incredible. In fact,

I mean, it was once at 2,230. So, you're. down from your peak. What are we in? We're in HL HL HL. What's HL? Oh, that was my free one. mining. my free one. S&P 500, I'm chill with. this. $410, no, that's great. VOO I. watch the Stock Guy. Shout out Stock Guy. on Twitch. He. I like him. Oh, and. in two S&P 500. Okay, I already know you're going to. yell at me about this. So, I'm going to. tell you this. I had a family friend reach out to me.

and be like, "Oh my god, I'll be your. financial advisor." And I was like, "Okay, I guess I need that." And they. put me in life insurance. And I was. paying $100 a month for life insurance, which is like. like they grow it. Term or whole life? Um. I think. even know. I don't even know. That's fine. And I told them. I told them I was like, "Hi. Um I want. to take this out and I want I wanted a. Roth IRA. That's what I asked from her. in the first place." And then she's. like, "We can't do that because you have. credit card debt." And then this other.

guy came on the phone started. mansplaining and it was just like I. literally have argued with them. for like literally hours at a time. And. so still I have $700 sitting somewhere. What the. Did you open a Roth IRA? No, I wanted. to, but they wouldn't let me. on it. You got this debt that we haven't. even come close to touching yet. And. then we're maxing out our Roth IRA cuz. you're 2020. You have eight years left. of the best. decade of compound growth in your life. Fantastic. You could be incredibly. easily a millionaire. Easily a. millionaire. That's if we get out of.

this. Yes, really, but that No, but not. the way you're doing it. Not the way. you're. Well, because I think of it this way. I'm young. Yeah, you're young. That's why you have. the time to get to a million. Yeah, but. I'm young and I want to live my life. Live your life. and prepare for the future life that. you're living. $6,500 a month a year is. not much when you're. is not much when you're bringing in $400. a year. Yeah. All right. So, looking in here in. this bills account is $374. Yeah,

because that's my account that I put I. usually keep that at like around 2,000. That way or like 3,000. I don't know. I. keep it high because I just everything's. auto pay out of there. I did use it for IKEA recently. Yes, you did. $122. Yeah, I did. I bought a new slab of wood. for my desk. Did you need a new slab of wood when. we're in debts that you're not paying. off? Yeah, because I was making a Tik Tok. Did the Tik Tok pay for it? No, because. Tik Tok does not pay. Yeah, but I Okay.

I just did my whole setup. I reset it. So, it's going to help me be motivated. to stream more. All right. So, we're making excuses. We're justifying. Then we're paying off. cards. We're paying off cards. We're. transferring things around. We have a. $10 overdraft. You overdrafted. pause. So, that overdraft is not for me. I never let things overdraft. But, you. still overdrafted though. Yeah, but it. was her fault. So, and I texted her. about Okay. So, we're getting this back. in. It was technically someone else's. fault, but you still overdrafted. If you.

were helping and taking care of someone, you we just can't I told her I can't. help and take care of her. Like if she. wants to use it, that's on her. But, you. need to be in a position before you do. anything where you're not getting hurt. $10 taken away. Overdraft. Yeah. And latitude and we're just paying. things off and restore What's restore? Okay. Cuz you go there every single second of. your life. Restore. Wait, how do you know that? Cuz it's all. over here. Okay. It's a monthly payment first of. all cuz I have a membership. Monthly payment my. It is. Okay.

And it's my IVs. What are you IVing? Okay. So, I get IVs because I had a. problem with my hair falling out and. when I drink, I can't throw up. So, um. usually I'll get an IV that way it like. restores. as in the name. It restores me. Does it work? Yeah, it does. Because I can't throw up. So, when I. drink and I feel like really disgusting, I can't just be like. which I wish I could. But, um I get IVs. instead.

I I guess I could go without it. I mean, I don't I I don't know anything about. it. And we're just paying off cards and. we're just paying bills. I don't know. anything about that. I can't talk on. science. I do not know. It's okay. But, you could also just not drink. Yeah, I haven't been drinking recently, so. Not the best habit. Drinking, but. Okay, then this is the checking account. We have $1,450 in there. Okay, I'm. chilling. And actually, a lot of it came. out because I had to pay the tax guy. $900 to do my taxes. So, we're sitting.

at what? Like $750 or something? I don't. know. What's What's What's the math? I don't know. We're sitting at like. $550? I think so, but I also What I do when I. have a lot of money in my checking is I. just move it to some of my credit cards. Good, but but we'll get to We'll get to. that. You were selling out $125. We're going. to Chili's $61. I threw 100 in there. I. know. Yeah, you threw 100 at a card. That's fantastic. But, 125 is selling. out. Don't know where that went. $61. spent at Chili's. Dutch Bros $5.43. $41 PayPal and out cuz we're doing.

something and Dutch Bros $11.42. Some $6. purchase at 7-Eleven. So, that wasn't. gas unless we're just getting the. weirdest gas ever. Dutch Bros $11.63. Listen. Pride Family. That's my doctor. Okay, we're we're chilling with that. lot of PayPal. PayPal and PayPal and PayPal. PayPal. 99 Ranch, 99 Ranch, Kura, Velvet. Taco. Not even. What? A lot of my PayPals are for my editors. Okay. But, some of the little ones are.

just recurring payments. Like I don't like Discord Nitro ones. Salon $418. Yeah. I'll tell you why. I made the mistake of Okay, this is why. Okay, it's kind of a long story, so. sorry to ramble, but I wanted to look. good because there's a chance I would. get signed and get a little salary to. this thing that I was literally been led. on since August to get signed to. And. they were like, "No." It was like like a.

like a cloud channel. And they were. like, "Come to LA. You'll have a better. chance if you come to LA." So, I'm like, "I need to look my best. I need to be my. best self before I go to LA." So, I got. my hair I got extensions, but they. weren't mine. They're my mom's. So, I. like didn't have to pay for them. I just. had to pay for to put them in. And then. those extensions ruined my life. So, this is me getting my extensions out and. my hair redone because I would show you. my bald spot right now, but I'm not. going to. Um my extensions literally. like ripped my hair out and it was like. a mess. So, I know I wasn't in the.

financial space. hair real? Yeah. Okay. But there is like a bald spot here. from my extensions because there I know. that that wasn't a financial choice, but. I booked that appointment in the middle. of the night because I was crying and I. was like, "I just can't do this. anymore.". And. not to cope even more, but um. my looks are big part of my income. Yeah. But we do this. well, if we were out of debt, it'd be. totally fine. PayPal and Epidemic Sound, PayPal and. a lot of the money's coming in from Kick.

and. Fanhouse and. Twitch and stuff like that. Yeah. Nintendo PayPal and Parkin PayPal and. and sponsors, too. Epidemic. Yeah, Epidemic Ep- Epidemic Sound and. PayPal and Lilly. Pulitzer. Yeah, that was that was um. PayPal The Lilly one was a purchase of. an outfit. Twitch Inter. Twitch Inter?

I subscribed to somebody. Oh, okay. And. PayPal and PayPal. and PayPal and Google Storage and PayPal. and Zelle and our money and parking and. Big Top Candy Shop and Nature and. paddle.com and Epidemic Sounds and. Madewell and Interspace Cavern and. Waterburger. So, even if some of that is. paying for your editors, which I'm okay. with, there's a lot of bull spending in. there. Bull spending? When your debt's. insane, which we haven't even talked. about yet, insane debt, and you're. spending on BS. Why are we BS spending?

Because, okay, sometimes when people. visit, I got to show them a good Then, have them pay. I don't give a crap. You're in debt. Why does it matter? Okay, also, Do you not care about the. rest of your life? I do. Then why? Why. are we doing this? Why are we not. sacrificing anything? I'm sacrificing. Well, yeah, what are you sacrificing? Yeah, maybe I'm not sacrificing. anything. Well, now I am. You wonder why I'm rude? It's because of. that. ever since I started watching your. videos, I start stopped ordering food. Completely? You haven't gone out to eat. once since you watched my first video.

I haven't ordered food. Huh? I haven't. ordered food. Like at my house. haven't paid? Like I haven't ordered food to my house. Oh my god. So, that's. So, that's what we consider being good? No, you're spending on BS when we have. endless debt. And by the way, the rest. of this is only endless debt. There's. nothing else Yeah. talk about. Yeah. That's why I'm here. I know that's why you're here, but. you're saying like it's okay, and that. you're sacrificing. I'm not Okay, I'm not really. sacrificing, but.

it is okay. No, it's not. Why is it okay? Because. it's not It's not okay, but it's not not. okay. What does that mean? What does that. possibly mean? Like I'll figure it out. You know what I mean? That doesn't make sense. "I'll figure it. out" is a kick the can down the road. forever until we die on a Walmart floor. type of thing. always think in my life, if I made it. out of what I made it out of before, that I could do it again. Okay, but. let's also be realistic and pretend.

we're not living in a book that's. written by some nice author. It's just. a movie, either. Life is life. We can't. just be because I Yeah, I'm glad you. made it out of whatever situation. I. don't even know. Fantastic. Yeah. Like. cool, we can celebrate that. Doesn't. mean that the situation's excusable or. that we can just get out of it because. time exists or because something. happened in the past. It's actionable. plans that are taken and then realizing. that yes, we are spending on bulls that. we don't need to be spending on. We're. not sacrificing actually and that we.

actually go in and take care of our for. a better life. I That's why I'm digging. in cuz get that point through. I think. that's why I'm here. I'm glad because. not to not to say like this I am that is. why I'm here because I do have bad. spending habits and I know that and I. know my bad spending habits. are from my past and from how I was. raised. That's why I want my mom on the. show. Cuz she's worse than me. Like three. times worse than me the spending.

But. let's continue. Debt. Yeah. We're going. to start right off the bat. Oh, we didn't even get into the credit. cards yet. I didn't even realize. We have $7,000 on Apple Card. Well, you. took it down to $6,744. Okay, that's still insane. Then it's insane. Minimum Okay, okay. The minimum payment on that is crazy. I'm not going to lie. Yeah. Why are you. Why are we doing this? Um okay, when I. signed up for an Apple Card, I thought. it was just for the Apple Store and I. wanted a MacBook because I was like I'm.

buckling in and I'm editing and I did. I. edited the most I've ever edited ever. since I got the computer. Um. which I was like cool, but then I found. out it wasn't just an Apple Card and. then my spending did the thing and it's. so easy just to go did it It is. That's. why you are not a credit card person. Chop them up. Use debit cards. Use the. Visa. I don't. I'm kidding. Keep going. I'm kidding. Oh. But it is metal so I don't know how to. chop that up. $280 minimum monthly. payment.

If you just do the minimum monthly. payments which is what you're doing for. it's going to take 21 years to pay off. and you're going to pay a total $20,000. cuz that's how the interest. do. Now, what I do not get, if you are. putting money towards it and you're. starting to pay off, why are we spending. money? Why are we possibly spending. money? What is the mindset behind it? Okay, I'm looking at the dates on there. cuz I haven't used my card in a while. You haven't used a credit card in a. while as in like a a week? That's good. and a half that's a while? Curry folding and Apple Bell, Taco Bell,

Apple Bell, Starbucks, Apple Bell, Apple. Bell, Apple Bell, Taco Apple Bell, Apple. Bell, Apple Bell, Apple Bell, Taco's. Tacos, Starbucks, Apple Bell, Apple. Bell. Okay, the Apple Bell is obviously. reoccurring. Yeah, but they're but. they're everything. $63.59. on that Apple Bell, $22.25 on that Apple. Bell, $16.95 on that Apple Bell, $1.05. on that Apple Bell, $2.11 on that Apple. Bell, $10 on that Apple Bell, $6 on that. Apple Bell, 10 Yeah, no sh But I don't know what. they are. Go to your subscriptions. It.

takes two clicks, you get there and you. cancel them. But I can't cancel Discord Nitro. You. can cancel Okay, I don't care. But you. can cancel the rest of them. You can. cancel the rest of them. Okay, yeah. I just don't get the point. Why are we. doing this? I didn't really look at my things, but. I'm looking. Well, it's time to start looking. I need. to get to your mindset. I need to get to. your mindset or else we're not going to. overcome this at all. So, what are we doing? Why? Why are you. doing this if you're trying to pay this.

off if you know the interest rate's. absolutely terrible? I don't even know. what the interest rate is, but it's. probably absolutely disgusting. You lost. $131 in interest on this payment. We're. doing minimum monthly payments. The. minimum monthly payments are way too. expensive and you already have. three things financed, something from. the app This is probably the MacBook and. then crap and then crap and then crap. iPad and my Apple Pencil. Great, cuz you needed an iPad. Okay, so. Okay, so why are we doing this? a Wi-Fi on an iPad? I don't give a sh Tell me why you're. spending this money. Okay, anyways, I'm.

spending this money because. I have a spending problem. So, what's the mentality. I'm not validating it. I'm just. explaining to you why. What's the spending Let's get to the. root of the spending problem. Why are. you spending the money? my spending problem. I grew up pretty. poor and now I make a lot of money every. month and I'm like, "Yeah, I'm that. B-word.". Um because I make this money in the back. of my mind subconsciously. I know. consciously that I shouldn't be spending. this money, but subconsciously I'm like, "I deserve it." So, why is the conscious.

rational understanding of you don't have. money, we're in bad debt, we're losing a. lot of interest rate? Why is that being. overcome by the emotional Yeah. Um. I would like to say mental illness, but. that's not That's just a joke. Um but it. is probably very impulsive and that is a. problem. But I'm in therapy. Good. And I talk to my therapist about this. About this specifically? Mhm. Have you Have Because one time I.

had a really bad incident where I. thought the world was ending and I spent. $500 at HEB. Oh my goodness. Yeah, no, that is definitely something. we would want to see a therapist about. But I'll tell you what. Tell me what. A lot of my financial things are from. traveling because. um I My parents are far away. Michigan, yeah. And my. my roommate's parents are in California. Well, So, American Express. Okay.

The card that gives us free first-class. upgrades. favorite card. Yeah, it's your favorite. card and it's you're their favorite like. swiper in the world cuz you owe them. $10,000. $10,831. it wasn't my choice. Okay, this is not. an excuse, but I want to say this. It. wasn't my choice to have that limit. I. had $2,500. to spend the money. But they were like, "Um we love you.". actually pissing me off if you're not. going to take responsibility. Well, you. want to know why it's so high? It's. because um I decided to start a show.

It's called Drinking with Drea and I. invite three creators from Austin, which. I'd like to invite you on. Um and we like it's kind of like this. Like I have my living room set up like. this and there's like a little like. studio area and um it's like a whole. show where I like like script out like. the games and everything and in order to. start the show, I needed like a lot of. things. Oh. So, but again, it went back.

into proving myself for this company. that I wanted to get signed to, which to. this day. I haven't gotten signed to, but a lot of. these like Okay, listen. A lot of these. big payments are kind of like when. you're a content creator. like me. um you have to like take these. opportunities or like take these like. uh like going to LA for example. Like. they're like, "Oh, if you can make it. next week next week?" Then it was a. really big ex-. Yeah, you know, you guys stand by them, but when it comes to the setting up your. set and stuff like that, like okay.

When I started mine, I started with the. table I already had just in my. with a lot of things I already had, but. I had to get something to start. up this 10,000 and then I started with a. uh cheap camera. And then a filmographer. Okay, that's. great. But I didn't do any of this until. I could pay for it with the money that. the company was generating. You went. $10,831 in debt. I don't care if you use. some of the stuff that you already had. Okay, it's hard not to consider an. investment when all your money is from. content creation and you hear funnel it.

back into that. But then you're going to say, "Oh, it's. American Express's money." Yeah, I know, but it's like an investment. Investment. is you make more money off of it. Right. now, you're losing interest on this. You're not paying off your credit card. How was I supposed to know I wasn't. going to make more money off of it? Oh. my goodness. No. Okay, come on. Okay. I'm listening. That's why we cash flow. If you're going. to make some kind of leverage thing, do. it in something you're overly informed. in. I like good leverage on cash flowing.

12% cash on cash minimum return rental. properties. This you were not informed on. You're. right. It was a gamble. So, the question, how would I know if. I'm going to make money on it? If you. don't have the answer that question, you. don't do it. But it's kind of like streaming in. general because if that Okay, not to cut. you off because I understand what you're. saying and I acknowledge it. But. streaming in general, it's kind of like. why do it if like if I go live, I could. get $2 or I could get $1,000. Yeah, but that doesn't mean you have to.

put in $10,000 to start streaming. You. could start streaming with what you have. and then build up from there. And I did. Every Good, but then this. Yeah, I guess I just got a little too. used to the gambling. Every single one of us content creators, we start with whatever we just have. Yeah. Unless we come from money, but the. vast majority of us don't. Yeah. More Google storage. On Traer plan, what's that? $30? That's. my renter's insurance. Oh, okay. That's. chill. That's chill. Kindle, TubeBuddy, Delta.

Airlines, Delta Airlines. Yeah. That's froze, Prime Video, Uber Eats, Macy's. Come on. We don't need to be doing all. those. I understand if you got scammed. if you got by that company, that sucks. Okay, I get that. Not 100% your fault. I. don't know the whole story, whatever. But still, come on. Uh a lot of that is thrown in. there. What's the minimum monthly. payment on this thing? I think it's like. 50. Yeah. It's not that high, but I don't I don't. only pay minimum like.

more than that, but then you spend it. all back. And then interest accrues on it. I mean, this has to be like what, another $150. in interest? Maybe more, maybe like. $200. I can't see. All I have is this. I think it's like 27. So, 27% interest? Yeah. Now, we have a MasterCard. My first. card. That's what got you down this road. of death. I know. My first purchase on it was an. oil change, and now look at me. $3,356. Total credit available, 143.

143, this is maxed out. They're all. maxed out. That's why I'm here. What's the minimum monthly payment on. this cuz I can't see it? I think it's. like 40. They're all pretty low except for the. Apple What's the interest rate on this? Uh it's not as high as the It's not as. high as the American Express one. Okay. Maybe like 20. I think. Is that 4%? 24. Oh. Okay. So, death. Okay. And what are we doing? Okay, yeah,

we're putting a little money to it, but. guess what? We're going to go back to. maxing it out again with $11.33, 7-Eleven purchase, an Amazon, an Amazon, an Uber Eats, and parking, and Amazon, an Uber Eats, and Amazon. So, what's the point of even making. payments to this if we're just spending. more money on it, maxing it out, and. getting some interest? I do understand. You're working with your therapist on. it. Working with your therapist on it. Yeah. Uh okay. This one's low, don't worry. Yeah, but it's stupid. I don't even know.

what it's for. What is this? okay, so because I didn't have money for. a while and my other cards were maxed. out, I had to use my Target credit card. even though I just paid it up because I. needed to buy groceries. And I could pay this right now if I. wanted to. THEN DO IT. Then I will, though. I'll do it. literally right now. Do it. Okay. $374.59 Wait, before you do. it. Actually, no, I need my computer for. this. I forgot. To do the Target one. Every other card I. can pay on my phone. So, minimum monthly. payment on this thing is 30. My mom told.

me to get this card, to be fair, even. though I know I shouldn't have listened. to my mom. Don't trust parents when it comes to. financial decisions usually in the. American system because everyone is. financially uneducated. Yeah. And that's why I'm here to learn. money on this. Last statement balance. 153, you spent money on it. No, the last statement balance was. because I paid it down. No, last. statement balance was 153, current. balance 374. Well, cuz I bought groceries.

Stop putting on You're not a credit card. person, no more. You just can't use. credit cards. Yeah. I agree. Will you agree to just get rid. of your credit cards? if an emergency happens? You have an. emergency fund. have one yet. We will do that. Okay, fine. Then I'll agree. But okay, if I don't use my credit. cards, do I cancel them or is that bad. for my credit score? You What you. Okay, what we can do with credit I can. talk to you about another card that I. connect with, Fizz card. It's geared. towards college students, you're.

actually in that age range, so it kind. of might work. It helps build credit. It's in the credit card debit card. hybrid world, and you can limit It helps. you limit spending on certain. categories, which is perfect for you and. your uncontrolled spending. But here's Okay, I'm sorry to be like. this. What if I need to go somewhere? Like I. need to buy a plane ticket and go. somewhere. Cuz these are things that happen. Need how? Need how? Tell me need how. week. Huh? I'm going to a funeral this. week. Uh for who? My uncle. Okay. We. were pretty close. We have an emergency. fund for those kind of things. Okay.

And we will get there. If you have to use a credit card for. anything, that means you're already in. the bad spot. So. Yeah. We're going to get you to the place. where you don't have to do this. What is. this? Um I have my PayPal credit, and it. is used only for. um. my stream stuff and my editors. Okay, so. it's business, but we still have. balances on there. You have an available. credit of $53, so it's again maxed out. $646.

I'm. Yep. I'm good with these things. Put them on. a business. Open business. and put it in there. Yeah, it's hard. Okay. Minimum due $0? I pay all my things on time. Yeah, what's the normal minimum monthly. payment on this thing though? 40. Okay. Interest rate? I don't know. Is this also what is this? Mhm. What is this crap? Oh, this is just my.

Target card payments. Oh, so what you. more of this is Target Target Target? Yeah, cuz they don't really really. specify anything. It just says Target. And here's my car and I before you say. anything I will not be selling it. But I. am going to be refinancing it. But. listen. Refinancing a whole year at 5.1 whatever. percent interest rate is the highest. when my score goes back up. Okay. Listen to me, okay? I was so close to. refinancing it. I had no I was 750.

credit score. I had no credit card debt. I was living my life. And then I go to. refinance it with my credit union and. they say, you need a driver's license. And I'm like, bruh. Um, because apparently if you let your. license expire when it's from out of. state, you have to retake the entire. test and course. let your license expire. Because I didn't know I'd retake the. whole test. I thought it's. No, you just re- do your license cuz you. need a driver's license to drive. and I was going to do it after it.

expired which it expired on my birthday, my 21st birthday. Then I'm like, cool. I. got to get a new license. So I go in. that week of. I go in the week of my 21st birthday. They like, you have to retake. everything. So I And then it was. literally jumping through hoops because. then I'm like, okay, I I would like to. retake the test, please. Then they're. like, you have to register your car and. do this and do that. So I was literally. like every single day in the tax office, in the DMV, in the 500 different offices. they have in Texas because they don't. just have a Secretary of State like a. normal person. And. Yeah, it sucks in Texas. And it was just.

like literally jumping through hoops, waiting for appointments, and I finally. got my license, but by the time I got my. license, it was too late. because I was in debt. You owe. $12,684.91. What is the car? You're not going to like it. What is it? It's a Land Rover LR4. Year? 2011. It's kind of old at this point. What? It's kind of old at this point. old. But do you like it? I like it.

I like it cuz I can always find it in a. parking lot. $400 minimum down payment, essentially rounded up. That's Yeah, that's really good. Interest rate, 9%. Cuz I got it when I was 19. I don't even. know what you'd refinance it at. I mean, even with a halfway decent credit score, it's not going to be much better than. that. 72 months, but you took it out a while. ago. You're almost like halfway through. So, you're kind of on you're starting to. get in the second like on the better. side of the interest anyway. I don't. know if I would. uh sell it, and I don't know if I'd. refinance either. Really? Yeah.

Well, I mean, you don't really have a. choice though. interest I paid. Yeah, year-to-date 500. It's not good, but you're getting on the better side of. the interest. And again, if you had a. halfway decent credit score, which would take a lot of work for you. and time, with her interest rates are, I. don't know if you're going to get. something much better to really make a. difference with the plan we're going to. put in action. Okay, when I got that, I was 19. And my truck, cuz I used to drive a 2002. Ford F-150, kept breaking down literally. every month. And well, it was my. grandpa's, and I bought it off of him uh.

for cheap. Anyways, so it broke down. every month, so I was like, it's time. for me to just get a car that isn't. going to break down every month because. I would like drive to and from Detroit. and literally get like my car break down. in the middle of Detroit, and it was. like not safe. And um. but anyways, so I got that car, and no. one could cosign for me cuz obviously my. parents can't cosign for me because they. don't have good credit scores. And um. they were like, you have good credit, but you don't have good credit history. because you're so young. Um so it was like a big deal and that's.

why my interest rate is so high. Either. way, $37,490. of total debt. Not a single piece is. good debt. It's all terrible car debt, terrible credit card debt, terrible. I have a question. Minimum monthly payments $1,551. My question is. is our student loan debt being forgiven. or not? No. For real? Yeah, for real. Okay, cuz I have 9,000 of that and I. don't want to pay it. I had your minimum monthly payments. wrong, but I'll tell you in a second.

Okay. $9,000 federal student loans that. already start in a few months. So that's. going to probably be about $150 minimum. monthly payments. Okay. I paid most of my school up front. because my parents didn't do taxes, so. No. Year and a half. My state. What did you go to school for? Film. Makes sense. Yeah, and it was a waste of my time. because um the reason I dropped out is I. talked to the lady. I said, "What can I. reasonably like how can I reasonably get. a job with this degree after?" She's.

like, "You could do wedding photography. for a company." And I was like, "I. already do that." So then I dropped out. Your minimum monthly payments are. $983.15, which is deaf. It's a quarter of your income. Yeah. And then you still need to set. money aside for taxes. Gas, spent 165. Fast food and stuff, you spent 440. $440. Yeah. Wow. That's kind of cool. Um but yeah, I don't buy much gas.

Well, you still spend a lot going out. I do. You can't afford that anymore. my friends no recently. Well, they can. pay for it. Yeah, they have been. Good. They can pay for it. Or you do. free fun. I don't care. Either way, you. cannot afford it. Doesn't make any. sense. Ready for a budget? Are you. actually going to do if we lay it out? I promise you. I'll literally come back. Good. Well, yeah, you better. So, we have debt. $983. $983? Let me check what I look.

like. Just cuz my. lip gloss does this thing sometimes. Okay, wait. Okay, I'm good. Let's say Okay, you said it's $4 to. $6,000. We're going to do $5,000 a. month. $983 goes to debt. You're setting. aside for taxes, minimum, and this is. something you've definitely not been. doing, $1,250 a month. A month? 25%. girl. Get used to it. You're in America.

It sucks. It absolutely is devastating, but it's the reality or else they're. going to be coming at you. Isn't that the the point of living in. Texas? You don't get income tax, but you still. have to pay your federal taxes and with. the rent you're paying and living in. Austin and eventually if you get a. property, you're about to just get. when it comes to property taxes. So, do you think I should buy a property. here in Michigan? Wherever you want to live, but either. way taxes overall are lower in Michigan. even though they have income and. property taxes, but because our property.

taxes are so insane and our sales taxes. are. 2.5% higher than in Michigan. Mhm. Yeah, no, we're still paying more taxes here. in. financially free Texas. No, we pay endless taxes here. And Texas. is terrible. I don't know what people. are talking about when they think. they're moving here and saving money. Well, why did you move here? I moved. here for Austin. Okay. a job. Um and then I was also under the. misunderstanding that Texas would be.

better. Yeah. This is the income tax, but the income tax you pay in Michigan. is like a few hundred bucks. Yeah. That's it. Like a year. Okay, either. way. So, that's for taxes, that's for. debt. What's your portion of rent? Uh $950. Your portion of utilities, internet, all. that good stuff? I pay all of those. Well, we don't have. What is it? Um, can I look at my phone? Mhm. We don't have internet because it's paid. for by It's in the rent. Yeah.

Um, my electric is 100. My rent insurance is $35. My pet insurance is 60. And then all those reoccurring things, I. don't know how much that adds up to. Well, you're canceling your reoccurring. subscriptions that aren't necessary for. your business. Yeah, my car insurance is. $250 average. Okay. Cuz sometimes it goes up, sometimes it. goes. What was that gas? What did we say for. gas? Um, I don't know cuz I don't really. drive that much.

But I do have to go to training. cuz this is a very car dependent city. I. don't leave my house that much. And when. I do Yeah, let's stream your life. Gas, 165. That's still a lot. For like a month? 165? Well, I don't And then you drive a Land. Rover, so. Yeah. Uh. Groceries? I know you kind of split it with someone. else who kind of cook. with your roommate, but. What do you think it should be at? Well, your portion's now going to be 200.

Okay. They can do be do whatever, but. your portion is the max you can. contribute to is 200. Then toilet paper. and apartment. Oh, that doesn't count as groceries? Nah-uh. Everything else. is 50. Another 50 that you can. contribute to like toilet paper and. stuff. Okay. What about makeup? Okay, this is a We'll talk about. business expenses. What do you think you pay for all your. business subscriptions and your editors. on a monthly basis? My editors, each. video is 150. I try to put out four.

videos a month. Okay. So, 600. And then I also pay them to. make shorts out of those videos cuz they. already have the program. I could make. it myself, but I don't have the program. they use, you know what I mean? So, what. are we saying total with makeup and. everything? Maybe a. 900 or 1,000? Yeah, I would say that. Which one? 900 or 1,000? Pick one, cuz. you're going to follow it. I'll do 900 because I can limit myself. Wait, what's what's. Now, are you writing things as your CPA? Well, you haven't been writing off. things for taxes cuz you haven't been. paying taxes, but. everything. I do QuickBooks for that.

writing off things because you haven't. been paying taxes, but your CPA is now. though. I haven't. legally been doing that, but I've been. doing it within QuickBooks. Like every. time I check my QuickBooks, I'm like, "Oh, this is a business expense. This is. a personal expense." You know how. QuickBooks works, so I'm assuming. It only matters if you file your taxes. Well, I do the work to to file my taxes. in the future cuz now I'm I'm ready for. 2023 taxes. Yeah. Maybe not ready to pay them, but I'm. ready to do them. So, it's $4,000 before your business.

stuff. Add your business. Well, how? Oh, cuz of taxes. I totally forgot that. was a thing. Yeah, or else you're just going to get. in the future. But, here's the thing, I can always make. more money. Like, listen to me. Listen to me. Listen. to me. Adderall shortage is a thing, but. we're going to go past that. I've been slacking right now, so I make. I've been making the lesser amount of. What do you think you can make I can. make 6,000. So, you can make an extra thousand? So, that's it? I can make more.

hypothetically, but in on average, I can. make 6,000 cuz we're doing 5,000 right. now. to be generous. In my career where I've. made 10,000 a month. I know, and then. there's some months where it's less than. that. So, we're doing the average. So, with your business, it's 5,000. So, okay, let's say let's just say you have. an extra thousand dollars, okay? Extra. thousand dollars cuz you need to ramp. things up cuz you have no other choice. cuz you have a lot of terrible debt. Yeah. So, in this plan equals you. bringing in a minimum $6,000 a month. Yeah. Okay? Okay. So, you have an extra. thousand dollars. Four months, you put.

the four you put the thousand dollars. aside until you have four thousand. dollars saved up cuz that's what you. need in order to operate your business. and live. So, boom, in four months you. have $4,000. That's your emergency fund starter. emergency fund. From there, yeah, we pay off the Target card and. PayPal card within month number five. I can do that. I can pay off the Target. card right now. No, right No, no, no. We're saving the $4,000 as quick as we. can. Okay, okay. We're doing minimum monthly. payments until we get that. Minimum. monthly payments. And then a thou- and then you have the. $4,000, then we're paying the Target and.

PayPal card in month number five. Then, month number six, seven, eight, and half of nine, we're paying off the. MasterCard. Or, unless I get them. consolidated. You can con- If you want. to consolidate all your cards, you can. Because the interest rates are really. bad. Actually, that might be the better. method. Maybe we take the Apple card, we. take the Amex, we take the MasterCard. I'm waiting to do that now, cuz I have. to do my taxes first, so I can get. approved for it. Do that.

And then kill that as quick as you can, then kill your car as quick as you can, and then most likely kill your student. loans as quick as you can as well. So, this is a dumb question I'm going to. ask you. Ask me. When can I buy a house? Uh in a bit. We'll get We'll get there. Actually, it's $37,000, so that's before. we calculated. So, you actually your debt is cuz I. forgot about the 9,000. new $9,000 student loans. So, $46,490. is your debt that you've built up to.

just 22, plus the $4,000 you you uh. have, and then we're going to get you. $20,000 emergency fund after this. So, the total amount of money that needs. to be created to pay all this off, and. then this isn't even taking into account. interest. So, let's just take into. account interest, cuz you're paying it. off aggressively. Let's say now it's. just at 70,000 total. That's going to. take 70 months. What's 70 months? 70. months divided by 12, it's 6 years. So, this takes 6 years. of you not going out to eat once or. anything. I can do it faster. Okay, good. I I you.

to do it faster, but that's if you put a. thousand dollars towards it a month by. following my pretty strict budget. Saving up for your taxes, making sure. you're saving up for taxes, deduct. everything you can, hopefully you have a. little left over, and then you can, you. know, uh pay your taxes quarterly, so you know. what you can put towards. money from the taxes that. You can put it in a high-yield savings. account. You can open it with anyone, open it with Ally, I don't care. So, I put the money that I'm supposed to. be saving for taxes in a savings. account? Mhm. And then. Uh-huh. And then And then when it's time. to pay the taxes, I take it out? Yep, and pay it quarterly. But then I.

have a different savings account for my. emergency fund? Yep, and you can have different uh. accounts within your account in Ally if. you want to do that. So, you can have. your tax account and your emergency. fund. Ally, ally.com, Ally Bank, something like that. Yeah. It's a. banking? It's a banking, high-yield. American Express cuz that's just what I. started at 16. Just search Ally, high-yield. You'll be good there. Also, do you know something that can cancel my. subscriptions automatically, or do you. not trust those things since they're. Yeah, no, you could do you could sign up. for Rocket Money. Cuz I'm scared to put. things my information in those websites.

No, Rocket Money's fine. Okay. Now, I've. worked with them here, I use them. Rocket Money's good. Rocket Money's. good. And you can cancel subscriptions. through them. Uh. and then, so, yeah, I mean, if you do. extra What was it? 6 years? Is that what. we said? I mean, if you do an extra $2,000 a. month towards all this stuff, and that's. getting pretty aggressive for what you. said on your best like uh. $6,000. on average on good months. So, now this would be $7,000 on average. That'd get it down to 3 years. I'm doing.

math in my head. Because sometimes I'll get big. donations. But I used to. But now the Twitch atmosphere's changed. So, it's just kind of like like randomly. one day I might get a thousand dollars, you know? Yeah. Well, when you do that, set 25% aside for taxes, make sure you. have enough to cover your monthly. budget, and then the rest of it goes. towards paying the debt. Uh. credit uh Target, PayPal credit card. consolidation, car, and then student. loans. Okay.

After I consolidate my credit cards, how do I get rid of them? You You pay. off that consolidation loan as quick as. possible. No, but like the cards itself, do I get. rid of them or do I keep them for credit. reasons? I don't You're not a credit card person. It's not like I'm going to use them. I'm. just saying like do I keep them open? Well, eventually they'll automatically. close. uh with no activity. So, I think this credit stuff I think you. use the Fizz card, which I'll I'll send. you a link. Uh either way, I think it's. going to be. whatever potential goodness you get from.

credit in the 500s by the way, it's it's being completely negated by. the sh- by the sh-. by the sh-. You're just getting absolutely destroyed. by the credit card debt you've built up. time and time again. It doesn't make. sense. You're not a credit card person. I know. So, I would cut them up. I would close. them. Use the Fizz card. Use your debit card. That's it. Budget. You What do you have. saved for retirement? Is it just that. Robinhood account? Yeah, because I.

wanted to I already told you about the. Roth IRA, right? So, the 5,900 that you. have setting aside, I'd gather all that. up including selling your Robinhood, put. $4,000 aside into the high yield. Boom, that is your That is your initial. savings cuz I forgot about that money. So, that already takes care of a few. months. Then take that extra 1,900 and. put that towards the MasterCard uh put. that towards the Target, PayPal, and. then the rest towards the credit card. consolidation. would I put that in savings if my. Robinhood is technically my savings? Because it's invested in individual.

stocks. It's too volatile for emergency. funds. We put them in a high yield. savings account and we let it sit. High. yield meaning that it kind of follows. where interest rates are at the time. And since interest rates are kind of. high right now, you're actually getting. a pretty good. So, it's better than it than the S&P. 500? No. But, S&P 500 is better for. investing. If this money is sitting. there for an emergency, we don't want it. to be volatile. So, S&P 500, yes, it can average out. with dividends reinvested on an annual. basis of 10 just over 10% but it could.

totally be down like 10% one year, 15%. Yeah, cuz I think. want that for emergency funds cuz. they're for emergencies. I don't know. what I did with State Farm but I think I. get dividends from them on a life. insurance thing too, which I don't Oh my. goodness, you've just been talked into. everything. Okay, no more of those. Stop. Just if you don't understand. anything you don't sign up. Well, cuz I. didn't I just was like I need car. insurance and the girl was like blah. blah blah blah blah blah blah blah blah. blah blah blah blah and I was like okay. You ask me next. You ask me next time. Oh. I moved here when I was 19.

and if I I know, that's fine. That's. fine. It's fine to do stupid stuff. Yeah. Yeah, yeah. I just think. I not to rationalize cuz I know it's bad. and I take responsibility but I grew up. with not a good. money role model. No, that's fine. Most. of us didn't. Most of us that's that's. the average American story. That's why I'm here to learn. That's why. you're here to learn and that's why I'm. helping and if I don't know the answer. to a question you ask me, I will refer. you to someone who does. Cuz sometimes. more listening to all that crap and. signing up for all that crap. We don't.

do that. Cuz in my head, this is how I justify. it. I think if I have less debt than my. mom, I'm okay or if I have less debt. than people who go to school cuz all my. friends went to school and they have. like $25,000 a year because they just. all like whatever loans. I'm okay because I didn't go to school. No, if you're comparing yourself to the. average person, the average person sucks. with money. It doesn't make any sense. Be well above average or else it doesn't. even matter. Either way, you have. nothing saved for retirement so that's. why I'm saying you need to get out of. this as quick as you can. Make it 3.

years instead of 6 years. I don't know. if you can actually do that. We'll see. I Okay, good. So, you'll be 25 and then. you can just start investing. I want you. to invest like crazy because you'll be. able to retire early and not have to. take care of this You're in such a. position where you can just go wild and. it'll be amazing. But, that's not now. Right now you need to worry about. getting that started emergency fund, paying off the debt. Started emergency. fund is already there cuz you're going. to exit your Robinhood and you're going. to take all that money and you're going. to put it in $4,000 in high yield. Then, you're going to take that money, you're. going to pay off the stupid Target,

you're going to pay off the stupid. PayPal, you're going to consolidate your. credit cards, and then you're going to. put the rest of that was left over. put it towards that, and then start. paying that off aggressively. Then you. pay off your car aggressively, and then. at that point I would actually save up. cuz the federal student loans the. interest rates are going to be crazy. I'd get to $20,000 emergency fund, then. I would pay off your student loans. depending on the interest rate. We can. talk about it then. And then you start. investing. Why aren't they forgiving it? Cuz it was. challenged, it was going to be brought. to the Supreme Court. The Supreme Court. is one of the most.

right-leaning Supreme Courts we've had. I don't know about the entire American. history, but definitely in the modern. history, and they are likely to not. uphold the Biden plan. That's so dumb because I would have like. not had anything. You know what I mean? Cuz it's like. $10,000, isn't it? Yeah, you were. you would have been forgiven. I've. honestly forgotten what the plan even. was going to. That's what I thought. That's why I. wasn't even caring about it cuz I'm. like, "Okay, cool." Cuz I got the email. and they're like, "All right.". You really haven't been following it, have you? No, cuz I just don't want to. think about it. Yeah, no, it's it's most.

likely not going to I'm not a betting. man, but if I was a betting man, I'd put it all in red. Red being they're. not forgiving. Um. I love roulette. You've never played. You've never played? I've never, no. Well, you do like. I'm not a gambler. I do like Yeah, I. like keeping my money and growing it. You can grow with gambling. Okay. So, Okay. That's the plan. What are you actually. going to do? Tell me what this actually. looks like.

I think I challenge your plan. I This is like worst-case scenario, I'll. do your plan, but. I feel like if I go balls to the wall, get a little Adderall in me, I can do. this really fast. Well, you act What What does balls to. the wall look like? What are you going. to do? How much money are you going to. bring in? What's the plan? Lay it out. Are you cutting back on all that bull. Yeah. Until it's all paid off and you. have a fully funded emergency fund? Yeah, I've already been doing good by. cooking more. Doing well.

Is that different than good? I've been changing for the better. My house is kind of messy right now. because I feel like that also kind of. correlates to the cooking. You've seen. this place, I mean, come on. It's a disaster. Mine's worse. I have. cats running around. Um but, yeah. Okay. But, uh that's just enough. what are you doing to make more income? Okay, streaming more. Um posting more, taking more sponsors.

Fanhouse, balls to the wall fanhouse. Because I could I I just do kind of bare. minimum there because it's like. kind of a lot to do to message people. all the time, but I can do that more. Okay. And then all that extra money is. just going to go to paying off this up. We'll just have to see. We'll follow up. I laid out the plan. If you follow the. plan, you will at least get out within 6. years, at least. I would love you to get. out quicker than that, but.

really, your minimum in order to survive. especially since you need to set money. aside for taxes, especially since you so. much so many business expenses, which. hopefully you write off against the. taxes you're setting aside for business. You'll have to sit down with your CPA. majority of. Either way, with that, your budget's too. much and your income's too little. compared to your budget. Your needs. category is like 90% of your budget. It. should be 50% max. So, either way, you need to increase your. income drastically through whatever. Chop up your credit cards, use the fist. card. I don't care. Blah blah blah blah. blah.

Cuz I think of it this way, I haven't. streamed really like I made $400. recently from Twitch. And normally I'd. make minimum $2,000 from Twitch. So if. I'm making at least $4,500 on Fanhouse a. month and I did the Twitch thing where I. make 2,000 from Twitch no donations, that's 6,000 5 Is that 6,500? Yeah, cuz. 4,000 plus 2. And then donations on top. of that. So I could easily, if I. actually start doing Twitch like I used.

to, I can make 7,000. it's it's up to you. That's up to you. Okay. Sorry. want to see me stream like Tuesdays and. Thursday evenings or night, maybe some. live financial audits, let me know what. the interest is and maybe I'll do that. And you can use your Prime subscription. that if you have Amazon Prime just have. to you for free. Really? Mhm. I did not. know that. So if someone has Amazon Prime and they. watch you and if they connect the two. accounts, they can subscribe to you for. free. And everyone has Amazon Prime, so yeah. Any final thoughts? Prime, it's one of my recurring.

Any final thoughts? Um. no. I just think. yeah, I'm just going to grind. Because I I'm lucky that I have a. job that I can do that. Like I have the. opportunity like if I want to work more, I can make more even if it's not the. healthiest thing. for my health. It'll be good for me. Always take care of your health, but I. promise you can work more than you are. now. Just keep taking Keep taking. advantage of therapy. Everyone should do. therapy. Yeah, and that's all. That's.

all I have to say. All right, for her. All right, for her hammer financial. score, let's break it down. When it. comes to her spending, two out of 10, it's not the craziest spending, but it's. certainly not good. She's not putting. towards things that need to be put. towards like bad debt. Her debt, one out. of 10, could be worse if there are. things in collections or IRS debt. Well, I guess there. is kind of IRS debt with a payment plan. Never mind, I'm making that a zero out. of 10. Retirement, zero out of 10, there's.

nothing. Emergency fund, she has money. set aside, but a lot of it it's in. single stock, so it's not great. So, I'm. going to put that at a two out of 10. Real estate, there's nothing there, zero. out of 10. That aggregates down to about. a 0.5 out of 10. Round it up, one out of. 10. If you want a free $5, use my link. in the description below to sign up for. Acorns. You'll get a free $5, I'll get a. free $5 when you deposit $5, and it's a. great place to start investing. Don't. forget to follow my Instagram and. Twitter. Thanks.