Entitled Brat Is “Too Good For Work” | Financial Audit

it could be worse I'm trying my best are. you as best as I can how many hours a. week are you working so I'm working 36. you're not trying your best that's. exhausting though you're kind of acting. like a child like an entitled child when. it comes to this work you do have to. work to make money are you going to live. off of not my parents cuz they're not. supporting me right now why should they. you're. 23 hi my name is Olivia I'm 23 years old. based out of Austin Texas and this is. financial. audit what do you do here here in Austin.

for a living um so I'm a medical. receptionist um for a surgeon's office. cool what are we making um about pre-tax. 29,000 a year. okay under 30 and Austin 30,000 not of. age. how how do you feel living in Austin. it's okay I know compared to like like. New York or Boston or Seattle San. Francisco LA yes it is cheaper but. compared to the majority of cities in.

the United States Austin's a pretty. expensive city. um wow is that salary no it's hourly. what's your hourly hourly is um I just. got a raise to 18 18 an. hour you know Austin that's actually um. th this was not like full concrete. hardcore research that I did but I was I. compiled the list of job openings of the. lowest like lowest income level job. openings I really pay in like Fast Food. Service box shelves just to get an idea.

of where things were at and when you. know putting that all together the. median lowest paid openings in Austin is. $18 an hour and you just got to raise to. that yes I have considered switching. careers um to Food Service because to be. honest it does pay more than what I'm. making now and that's what you want to. do as a. career uh Food Service mhm I don't mind. it okay I I worked my share of food. service job and I I like it what are.

your goals and. Ambitions wait what do you want to do. okay nothing wrong with working in Food. Service not even close uh typically you. don't hear someone saying they want to. go fry nuggies for the rest of their. life yeah if you're bad at math frying. nuggies isn't too bad but um I am. actually in the process of getting my. real estate license um online okay yeah. which is not also not really what I want. to do but it's not the best time for a. specific spefically yeah cuz everyone.

was making money during the pandemic. when rates were low people were selling. and buying selling and buying right now. things are a little slower Austin area. is up 1% year-over-year and year to date. it's up like 3 4% so it's like it we're. starting to we're you know we hit our. what looks like the bottom and things. are getting a little and rate Cuts there. might be one rate cut this. year even still it's definitely harder. to get into do you have a lot of. knowledge in the real estate space well. that's why I'm working towards this. license.

um I'm hoping for you know a turnaround. in the real estate world so I'm do I'm. doing what I can to try to get yeah but. do you know about. it do you know anything about it about. real estate that's why I'm learning I. okay so but what makes you interested in. it because a lot of people they're. interested in real estate they get into. real estate because they've learned. about real estate and they like it why. are you choosing to get into that I mean. I've done kind of like General looking. around as far as the career itself um.

you know like entry based salary seems. livable um as far as a realtor yeah okay. the stress um like stress level as far. as working as well as a know this is a. heavy Commission job often times that. means you have to move inventory to win. you got to sell either on the buyer or. seller's end and that's that is stress. in the real estate world not as a.

realtor but you know I have a large real. estate portfolio in terms of. rentals it is stress the real estate. World in general I don't I think you're. looking at it a little bright and stared. eyed either way okay so $30,000 that's. pretty hard in Austin it looks. like in general you bring in on average. $2,000 a month. yes that's hard all right is this a. single household income yeah um I live. by myself if I supp what's your rent so.

it's 919 right now um well that's. basically half your income it is and. it's going up when I renew my lease in a. few. months um which is why you know real. estate is one of you know kind of the. easier courses you can get into to try. to do something to make more money well. is is that literally the only intention. because again going into something that. is so commission based usually if you. don't have at least a bit of a passion. for it you're not going to make I can. gift you a tax certifications to course.

careers I can gift you that to add your. resume and stuff I've check I've checked. out course careers um I wasn't as. interested and it's not that I'm not. interested in real estate I am. interested and it's something that I can. see myself being successful in um but. you just made it sound like that's one. of the easiest certifications to get so. that's what I'm doing one of the courses. not that it's easy but as far as. accessibility because I don't have extra. money to put towards school right now or. Community College Austin Community. College what it's like almost it costs. almost no money then again then again. for the Austin area you basically make.

almost no money yeah uh so I'm trying to. but Austin Community College I think. they have programs for people in your. income. situation I was going um fresh out of. high school I went to ACC and uh it's. $85 a credit hour at ACC I mean that's. pretty I had um buddy that's 1,000 bucks. a semester if you take 12 credit. hours which in my my situation isn't.

super doable for me I know but that's. like a th000 bucks twice a year I think. we could do that and even if you had to. borrow for that like just if that really. increased your income situation like a. federal student loan doing that for two. years. $4,000 that's not the deepest end of the. world if that doubles your income yeah. and then there's also the issue of I. work. full-time um I work all day so it's hard. for me to of course it would be evening.

classes or it would be online classes. like I mean you're not the only person. in the world that that would have done. it a lot of people my mom did that she. worked full-time and then did college at. night to try to improve her situation so. we could live a better life a lot of. people do it I mean do you have a kid I. don't okay so you have some time I've. got a dog okay I have too I know you. have time dog. expensive oh okay well yeah have you. ever Googled yourself I did and man the. amount of personal info floating around. is just mindboggling data Brokers are.

out there selling our details names. emails addresses even health records. it's all up for grabs that's why I've. been using today's sponsor Aura this gem. shows me exactly which data Brokers have. my info and helps me send opt out. requests automatically but it's not just. Shady data Brokers putting your. information at risk sometimes it's the. companies were supposed to trust did you. guys happen to hear about the AT&T. breach over 73 million records Spilled. Out into the dark web they recommend. those effect Ed to use strong passwords.

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thanks again to Aura for sponsoring this. video okay so what would you self assess. your financial situation zero being the. absolute worst 10 being the absolute. best where do you think you are right. now I'm going to give myself about a. three why are you. three I don't think it's the worst that. it could be but it's what everyone does. on the show and then they think their. Situation's okay because of that. it's not the worst it could be a lot.

worse it can always be worse it it could. be worse how does that mean it can be. better or how does that does that to you. does that mean it's okay though um it. could be. worse yes it could be worse it could be. a zero it could always be worse shooting. under the bridge it could be worse it's. not that bad that doesn't mean your. Situation's okay it's I'm trying my best. are you as best as I can how many hours. a week are you working so I'm working 36. okay you're not trying to your past yeah.

as far as like I work. full-time um hardly barely what else do. I do because then work fulltime again. after that shift that's exhausting. though that I've had two I've held two. jobs before and it's exhausting it's a. lot on your mental health welcome. welcome to the world though welcome to. the world though I mean that's kind of. what we have to sometimes do when we're. sacrificing right like if we can't. afford to live what does math tell us. you have to be able to afford to live.

what do you do as an a able-bodied human. you work yeah it's it's a lot unless. unless there's like no legs are there. legs up there oh there's legs there leg. down here so okay I think you can get. there it's a lot though like mentally. mentally and we've all done it though. and I I've done it too and I've held two. jobs I'm. 23 I've done it I've held two jobs you. have like more energy right now than. you'll ever have that's concerning too.

because it's exhausting it is no one. says it's not I didn't say go do it in. order to survive and it's not going to. be exhausting no one ever said that. sacrifice usually is called sacrifice. because there is something you're. sacrificing in that case your energy. you're a little more tired picking up a. couple shifts a week Imagine you worked. 36 and you said you're trying your. hardest you're trying your best you're. doing your best 36 hours a week is not. your best what else do I do in that.

situation oh my gosh are you kidding me. no I'm listening as far as like working. what time do you get to work uh 7:5 what. time do you leave work 500 p.m. cool. then what well are there more hours in. the day after 5 yes cool I think we just. figured it out I actually have tried. I've applied to a few places recently in. the past couple months what's a few. um I appli to no what's a few the just. number sorry two three okay you didn't.

try I'm sorry I've gone to interviews I. have woo that's great it's a numbers. game it's a numbers game it's also about. availability and hours some people don't. want to hire you just to work absolutely. after 5:00 p.m. absolutely correct this. is It's a numbers game absolutely it's a. numbers game you have to apply to 100. you have to apply to 200 it's a numbers. game and you go until you get the one. that works for you it's a numbers game. we don't apply to three and say we tried. we tried oh let me just. go things are just not going to work out.

we. tried if you can't afford to go to. school in order to increase your income. which is kind of what you want to do. yeah and I do I do want to go back to. school okay but because you don't make. enough money I mean that that's a you. situation that's for you that you could. if you wanted to I know for a fact in. Austin again there's a coffee place like. going to uh summer one of the summer. moons near the office the manager tells. me constantly please get any of your. guests to just apply to work here they. pay $18 an hour they need people to make.

some coffee and is that what time do. they close dude they uh summer Moon. closes at 8 I think so that's a few hour. shift yeah a few hour shift. Congratulations by the way is more than. no extra hours what are you talking. about it's hard to find somebody that. wants to hire you working so few hours. it is but if they're literally begging. for people I don't they didn't tell me. what times of the day maybe it's random. maybe that one wouldn't work for you but. that an example of something that exists.

MH you're kind of acting like a child. like an entitled child when it comes to. this work you do have to work to make. money and I have I do work I've 36 hours. and you're not trying your best I've. been working since I was. 16 most of us do I go to work like most. of us okay I do my thing I work and 36. hours yep that should be enough. unfortunately I know there's nothing we. can do about the cost of living should.

be is a completely different. conversation should be is not going to. have you walk out of this door and live. a better. life that that does nothing for you we. can have a different show where we talk. about should bees M the reality of the. economic structure we're in is you need. to work in order to make money in order. to get the things that you need to. survive that is our structure let's have. the I wish conversation somewhere else. that does not help you here that does. not it benefits you I you know what I. wish you didn't have to make as much.

money in order to survive cool end a. conversation did that just help you did. that just actually get you out of a. situation did that actually make it so. that um you're you're going to be good. now no unfortunately not is Som how. works as far. as working extra shifts okay now you. need to factor. in you know trying to save money and. real prepping and doing all the things. that it takes to try to save more money.

which is what you do anyway yeah sure. yeah and then trying to fit that in. somewhere else on top of meal preing. takes a couple hours a week like two two. times a week then you have to shop for. it too yeah you can get a pickup order. that's free but that costs more no I. said it's free 30 cents more per item at. HB hold on literally 30 cents more per. item one second when I was doing it it. was free what are you talking about. there's no curbside fee but they do. charge you an extra 30 cents per item.

that's already added into the tot like. the cost of the item so if you go in. store the item is going to be 30 cents. cheaper okay I could have been wrong but. I I had no. idea I must have just not known that I. tried to go into the store as much as. possible to avoid curbside uh Walmart I. mean most grocery bills are over $35. Walmart as long as it's over $35 it's. free okay that's good to know there you. go solves your problem okay. cool any other excuses you want to try I.

think that's it okay so meal prep couple. hours a week mhm if you work a couple. extra shifts you still have a couple. hours a week mhm we can pick up. groceries on the way home that we. scheduled for pickup okay for free. energy it's it's the energy thing oh. we're going to be a little bit tired. because we put in a little bit of work. it's hard it's oh it is it is you know. it's going to be harder stay in Deb for. the rest of your life and trying to. retire at any point but you're not able.

to because who knows if you're going to. be able to rely on Social Security at. that time by the time were retirement. age and you saved up nothing to retire. so who the how are you going to live how. are you going to survive who are you. going to live off of that's going to be. hard not my parents cuz they're not. supporting me right now why should they. you're 23 mhm so I'm supporting myself. do you feel like you should be supported. by them no okay why why did you bring. that up I just know that a lot of people. do have that support I don't have that. support sometimes I.

didn't yeah. okay my train of thought went off the. rails that's okay it's okay I'm scared. to get into. that uh producer man no over there. looked into the into the thing for the. HB pickup and it's like in in the fine. print they have like a 3 to 4% markup on. the HB prices but there's no pickup fee. whereas Walmart there's a fee if it'sit. under $30 for the pickup from what I. just saw online could be a hidden thing.

I don't know if there is have your. grocery list and zoom through the aisles. we all do it like my goodness come on. it's a mental barrier it's a mental a. mental thing let's see a therapist I'm. sorry but like what if you can't go into. a grocery store like you're not going to. be able to survive in this world so far. like there like no one can help you with. anything if you can't literally step. foot inside of a grocery store like I'm. pry sure I do I shop for my groceries. but it is it's it's mentally Everything. feels a little mentally draining.

sometimes it is no. absolutely everything is mentally. draining but the rest of us we just with. it because it's what we have to do cuz. there's like no other choice and that's. what it feels like I'm doing already so. I'm afraid you're working 36 hours a. week I'm afraid to add in more most. people work 40 hours a week you're. already under that that's 4 hours though. that's a but you're already under that. and you specifically said you're doing. your best you're not I can't my job. closes at I know but you're still not. doing your I don't know how you don't.

get that how how did I how how did I not. get that across to. you whatever Discover it everyone's. favorite like first little credit card. that actually wasn't the first one the. first one was the Apple card really that. one came second that's interesting mhm. um okay. 2,500. 22359 that your income is scary cuz. again rent is about to be over 50% of. your net so I don't even know.

how this doesn't make sense with the $73. minim monthly. payment you. purchased probably because you have no. money in your checking account so you. added to a credit card see it's. unsustainable see see this is what I'm. talking about where you said it's hard. and it's going to be harder in the. future when I was saying it's going to. be harder in the future it starts to. look like this it starts to look like. this and you can do this for a while. because your credit line is absolutely. huge for your income it's $7,200 that's. wild you purchased.

$626 73 on here when $528 of Interest. are crude $164 you you made double the. minimum monthly payment but it doesn't. make sense it it doesn't it doesn't. matter because you then spend five times. what you put towards the payment so what. was even the point why are you spending. money on a card that you can't pay off. that is a GRU interest and you added the. balance by. $500 I really don't know where that 500. came from I don't know how I spent that.

within the last month you don't even. know where your money goes. to sometimes I don't okay I mean that's. fine it's also ligament it's not fine. but that is where people start typically. so that's like I accept that it hurts. but I accept that it's a like I guess it. is part of like just mentally blocking. it out and just doing doing my thing. without paying too much attention to it. um okay I'm obviously you've never. budget in your life go through a.

budgeting class MH go through our. investing class if you want to as well. CU at least you get a free $100 for that. but go through the budgeting class for. sure you get it for free cuz you're a. guest you can get it for free if you. want to be a guest as well you can apply. to be on the show Cale hammer.com. apply. uh that's crazy. though that is. wild and you don't know where this went. not with that amount I'll tell.

you you went inside store and got like a. drink $2 like what else would you be. getting for $2 walking into the Central. Market for $2 or did you go in there and. just buy an. herb I don't even remember yeah you. probably went in there and got some. bull Five Below tipoca going inside. getting some Chick-fil-A. Firehouse Subs going inside getting some. bull Rost stor.

McDonald's uh a restaurant heat uh some. tea place and going inside and get in. some. bullsh bull purchases 1 2 3 4 5 6 7 8 9. 10 11. reminder you didn't even come close to. paying off this card you added it by. $500 under your balance and it's a. crewing interest and you only spent. money on this card because you don't. have any money in your checking account. because you don't make enough money. because you only work 36 hours a week. and your rent is more than 50% of your. income so you spend it all on a credit. card that is increasing the balance and.

adding more and more interest on it but. where did it go oh it went to. Bull that's not a smart way to. live I think in my brain it's little. things that are obviously death by. thousand that's how it works mhm. um I mean was that last month yeah your. most recent statement so I mean let me. just be very clear and I know again a. lot of people they're going to be like. well someone deserves to be able to go. to do this okay sure different.

conversation different show different. show in the reality of your mathematical. literal life you simply cannot afford to. go out to eat like that's just a. mathematical reality and you're going. and getting Boba you can't afford a. single Boba ball not a single ball that. was my first boba in like six months. okay well it should have the six months. ago should have been your last Boba. until you're out of. debt you just can't for this and going. inside getting some bull Chick-fil-A and.

firehouse and McDonald we just this we. can't do this dude you simply cannot. afford it and you. are you want to go to school and you're. like I can't pay for school but what do. you do instead remember what we said it. cost a semester $1,000 you spent $500. most of it was on you I think a. lot of those purchases okay there was a. big thing uh Diversified Health was a. big purchase on here that was 200 bucks. so that did a big thing to toward yeah. that was um a medical. debt collection that I didn't want to.

end up on my credit whatever so I just. that wasn't even half of it I mean again. there's also vet bills on. there. um my dog has been having to go to the. vet more often lately he's turned 8. years old so he's now like a senior dog. he's having a little more Health already. oh that's so sad how what kind of dog I. don't know I'd have to show you a. picture of him he's a rescue big he's.

about medium like 25 lbs okay. but we're having to go to the vet like a. lot more often lately what's been going. on anything that's like they can so he. needed a dental procedure um like a. cleaning and then something was going on. with his gums and his teeth um and that. went on that card. $1,000 at the vet okay that wasn't this. month though and you still spent bull. this month yeah. um so that was really big and then we. had to go again something was going on.

with his. eye um so I took him in they tested it. that was like aund and something and. then they gave me eye drops which was. another $50 sure um and it's your. responsibility you adopted so it's what. you have to take care of so does it make. sense if we can't afford to take care of. a dog to be going to Chick-fil-A and. that does that make sense you can't you. literally cannot afford it and it's like. the food purchases are usually small. they're not huge it doesn't matter you. can't afford it and it's all adding up.

and it's usually lunch and it continues. to not matter pack of sandwich peka. soup I've yeah I've been there got. Chick-fil-A meal prepp of chicken. Sammy it's the energy thing it's it's. energy that is not ever going to be. considered a valid excuse everyone. everyone deals with that unless you have. like a chronically diagnosed like thing. where your energy is like 10% of the. normal person that's different but.

everyone gets tired I get tired this has. nothing to do with you it has nothing to. do with anything it has nothing to do. with the finances in here but I had a. big I had a car appointment this uh. morning I got some bad news about some. real estate that I wanted to do some. potential bad news we'll see I was tired. I was drained it's been an unpleasant. day I didn't want to walk in here and. film this episode I walked in here and. filmed this episode cuz one I owed you. you came here to do this so I owed you I. wasn't going to walk away and two it's.

the business you know that wasn't a. choice because I had a bad day because I. was feeling a little low energy also I'm. on a diet I barely even had a lunch and. I'm hungry I'm a little cranky little. and yet I still walked in here like an. adult and I'm older and fatter so I have. less energy. okay you're skinny you're young you got. it enjoy it while you have it Apple card. your first card yeah first. card and this one had.

been paid. down and then it ended up with why more. crap on it why that's a that's a good. question give me a good answer I don't. have a good answer give me an answer. crap spending okay. so you came out the show for a reason. you applied for the reason what what do. you want where do you see yourself where. are you trying to get to so we can help. so I can help you navigate this trying.

to get to. where I guess stop this balance from. going up still I don't know if I just. need you don't want this to you're your. debt your balances you don't want it to. go up why because I I can't pay for it. mhm mhm with my income what are you. trying to do with your money though what. are some ASP bit more financially. literate sure but what some goals you. like have like like yeah you want to get.

to a healthy Place yeah what do you want. to do what do you want to do that. involves pretty much everything involves. needing to use money in some way so yeah. what are you trying to do by. 30 where do you want to be career-wise. where do you want to be living wise. where do you want to be debt wise where. do you want to be in all of that by 30 I. hope maybe I can have my certificate or. degree. for whatever I'm wanting to go back to. school for um what do you want to go. back to school for I want to go back to. school for like nutrition why are you.

wasting time on this real estate thing. it doesn't make sense it has nothing to. do with nutrition because like I said as. far as like the resources that I see. available to me you really think that's. going to be so much more of a winter you. could go like the first year without. seeing a penny and I do and you can't. survive off of $2,000 a month right now. I do want to of. course you know make stable income. so I don't have to worry about I can't.

take my dog to the vet because I can't. afford it um so I want to be in a spot. where I'm not having to have such. anxiety. over buying or. spending and doing what doing what I. do so I mean that stuff is uh pretty. basic then which is okay it's totally. okay. but since it's so.

basic why haven't you done anything like. this is the most recent statement you s. it last night I was just told so this is. like this they literally just ended so. these are the most recent statement. you're doing this right now you've done. that's your goal you've done nothing to. even come close to trying to achieve. that goal I've I have been trying. cutting spending like here and there if. this is consider cut spending then no I. understand it's still High there's still. a lot of like crap spending that.

shouldn't be going on is this the new. version of you're trying your best when. you're talking about. work cuz I don't see much I'm just. trying to explain myself. that you know it's gotten better but. it's still not where it should be it was. worse but um I'm kind of at a place. where I feel stuck but it's. self-inflicted no nobody teaches you. that's not going to be a valid excuse no. one ever learns for some clients exactly. so I'm learning I'm figuring it out like.

okay that obviously doesn't work I need. to stop doing ABC mhm um so I'm learning. I'm asking for help you know realizing. what's wrong yeah what's going on so. that I can fix it good and it's a great. first step um but in terms of just. why okay F let me let me try to ask this. a different way then when did you start. learning when did you decide you wanted. to start learning. I guess maybe like 6 months ago when I.

started it's a long time so then it. brings me back to my initial question if. you were going to say last month that's. a different. thing six months and this is what I'm. looking at your balance goes up by $500. on the most recent card like what are we. doing you're you're throwing yourself. into a terrible situation that's not. trying 200 of those dollars were and so. 300 was okay cool so hearing I'm trying. that's is that I'm trying is that I'm.

learning after 6. months that's why I'm listen I'm good. with learn learning and I'm good with. walking through those different things. but I'm also not going to allow someone. to sit in. like it's like it's not it's. not intended to offend you it's not at. all it's not even intended to make these. people get all excited literally if you. sit there and spend that much money on. bull and you say that's I'm trying and. that's me learning after 6 months I need.

to call you out and let you know that. that is unacceptable and that is you. cannot be considered you you if if it. was worse before and this is better okay. but I cannot allow you to consider this. a win because you're getting in a dark. situation that is going to be so hard. for someone like you in your income. situation to dig out of and you're only. making it worse I know and I'm having. the conversation that happens when. you're here so this is how it goes. welcome yes that's why I'm here is to.

get help and to go through it and figure. out what do you think's happening why do. people say that why do people say I call. them out on what they say and then I'm. like oh well that's why I'm here no. that's what I'm that's what I'm doing. the thing that happens when you're here. you were saying it over and over again. and it's yes yes that's how many times. have you seen the show like seven okay. so you know how it goes what what am I. doing what that's why I'm here oh my. gosh she said it again. that is why everybody is here huh that.

is why everybody is here exactly so why. did you think I would not call you out. differently than anyone else $25 Min a. monthly. payment we we went inside Target and we. got some got a drink something. Target Target is only ever like. household stuff like laundry soap. kitchen stuff what you get for 93 cents. oh it's because I had a gift card and I. spent the gift card and then there was. like a little bit of amount that wasn't. covered by the gift card okay. $10 of Interest recruit on here 27.24.

interest. rate so interest to continue to rec crew. [Music]. discover wait a. second okay you don't have two Discover. it I do oh you do so okay this one the. one with the the one we just went over. that was initially supposed to be a. balance transfer Card wait which one the. first one yes the that you spent all the. that you think is making.

progress. okay and I was going to transfer the. Apple card balance onto that one because. it was you pay it off in 18 months. whatever no interest and I called them a. couple weeks after I got the card to. initiate a balance transfer and they. said I. can't I don't know why what was the. reason they gave you must have asked why. something about I wait can you not. transfer balances on no I tried and I've. gone online and it says it's not.

eligible for transfers would it even. mattered I mean that's a cre interest. anyway so it's like what was your intent. there maybe it was 0% for a second but. okay either way I mean you're putting. more on it anyway. so yeah that that also became the the. I'm going to have fun money. $134 sitting down here on the second. Discover it that one I don't think I've. touched that one. yeah there's no new purchases you only.

made the minimum wait there's a $3. purchase and then purchase yeah and then. $3 of Interest maybe it's a subscription. let's check it out $50 minim Mony. payment these minimum Mony payments. definitely for you scare me when they. start to stack up like. this resumehelp.com you probably have a. subscription yes okay cancel that. okay if you're not using it I mean you. maybe should use it and try to get. like update it every now and then and it.

writes helps you write cover letters too. yeah cuz they are paying you the bottom. of the Barrel in the Austin area so you. could probably honestly just get a. better job as well like a $25 hour job. that is like customer service which. maybe I needed to hear because I've been. feeling kind of bad about wanting to. leave this job why just because it's. like a small family Vibe yeah so you. know how like the credit card companies. like in that part of capitalism you're. getting a little boned with the interest. rate right of course there's lots of. personal choices that you're doing well.

it's also the part of capitalism that. can help you they're not paying you. enough so you can leave and you can go. to somewhere that is paying you enough. mhm and if they're if they don't want to. see you leave they'll pay you more okay. it's a market mhm find out what you're. worth in the market and go get that well. maybe I needed to hear that because yeah. I mean I look and then I'll apply and. then yeah and we're not applying to. three jobs by the way we're applying to. 300 jobs yeah if it's a full-time job. then. well yeah I mean we're just I you need. to work more or get a better job and I.

do kind of want to work somewhere else. where I can just easily get more hours. at one job instead of having to get a. second job where I can maybe get. overtime. at other job we are basically halfway. through the year and I need to make sure. you guys are saving your money in the. right place in my resources section in. the description below you can sign up. for one of the best high yield savings. accounts there are but you can also get. $300 for free with qualifying deposits. you can also get FDIC Insurance up to $2.

million on your money and get. 4.6% on the money that's just sitting. there it's exactly where I put my money. why let your money lose money when it. could be making money it's the biggest. no-brainer in the world open up a Sofi. high yield savings account now and get. that $300 for free oh what's your car. what is your. car what is it you're going to be mad at. me about this one this this is um a 2018. Mazda 3 okay touring it's the nice one.

oh $20,000 a year not so I bought this. kind of at the I think we're like in the. peak of the car chip crisis issue okay I. think I know what you're but the car. that I had it was a 1998 Toyota which it. was still running good but I thought the. transmission um was slipping was it so. it's apparently it's just having like a. shifting issue mostly like from first to. second like the car doesn't want to.

shift and I mistook it. as but like a but it sounds like you. ended up finding out what was actually. wrong so re recently what do you mean. recently my dad still has the car. um why is it is it his car technically I. mean he he bought it it was a like a. $1,000 cash car from Craiglist how many. miles are on that car like 220,000. I'm going to have an idea I just don't.

know if it's the right idea because I I. do not know enough about that car and. the longevity of that car and what. maintenance has been done on that car. and what needs to be done by the way. there's transmission places all over. Austin they'll try to upsell you on a. bunch of you can go and you can get a. free transmission check and they can. tell you the health of the transmission. uh I did that and realized that U my. Nissan 2013 Nissan Ultima when I first. moved here was uh going to literally. right when I got here like the transion. just started yeah exactly and 2013 it's. like the worst period for those and so I. immediately got rid of it and got got my.

Jeep um so I would have checked that out. first but either way we're here but okay. so either way you owe. 8,549 it m okay with a minimum payment. and this is okay cuz first of all that's. insane because that's almost as much as. you make a year or net but the. $358 like with where your rent is and. now you're $358 14 minim monthly payment. I do not know how you're even paying. your yeah so when I work. when I bought this car um I was still.

living with my mom so I could. comfortably make that payment no problem. wait where are your parents what do you. mean are they in Austin yes why do you. you're not like ancient you can there's. plenty of cultures where you don't have. to move out I know people I don't think. we have enough time for this we move out. well one second before we move out so. quick in American culture and that's. fine and there's a lot to gain from it. there's a lot negative it's whatever but. a lot of other cultures you can stay at. home longer and it's more of a family.

thing and that's okay you could stay at. home if you wanted to and honestly in. your financial situation I don't know if. I'd want you to not be at home yet. because again you're putting money on. credit cards because you can't afford to. live why' you move. out I don't know it was not better as. far as mental health for living at home. um there. was uh a lot going on that led to me. moving out okay that's yeah so um my.

mom had she has a house that she's. renting well it's a duplex and um my. brother moved back in but my brother's. got um excuse me four kids so there's a. lot of people in that house not enough. space um so it was just like a. really okay that immediately comes me um. okay no there was a lot of a lot of. things that like led up to well then you. can you can tell me because I I want to. give you my assessment before you tell. me yeah um and this is this is okay this.

is a big generational thing I'm around. the cusp of Z and Millennial you know I. share more in common with older gen Z. and less uh with older Millennial one. thing that's definitely happening uh. more towards the aim age range of you. is the internet has deeply enabled this. because it's um really made everyone's. feelings. W what's the word I'm going for um like.

feelings are justified in the real but. they've made it so that they there's a. word that's on the top of my tongue I. think I get what you're trying to say. well either way you from the language. you've used from just oh I might be. tired to mental health because there's. kids living there and stuff like that. very victim mentality where you are the. victim no matter what and that makes me. because don't know well I just don't. know how you're going to operate in in.

general that like you can have that and. that is fine do you but that just makes. me afraid for how you're going to. operate in the real world in general for. the rest of your life what else though. what else there cuz maybe there's an. actual. reason there was just so much going on. it's not as simple as what else going on. sounds like than. kids fighting a lot of fighting arguing. disagreements hollering matches um um. the kids are not little kids they're. older so they're all living individual.

like lives so that it's like clashing in. a small oh sure space frustration with. everything but to the point where the. frustration was literally like taking a. toll on my mental health okay like. crying out of like. frustration you were getting arguments. with them we would and like what were. you there was like Financial fights um. because my mother was the one paying for. why were you a part the house because my.

brother also lives there too but was not. but why were you a part of the fight. because he thought that I should be. paying more to live there we were both. contributing sounds stressful like it. wasn't just that though it was like. every day something something something. tension every single day my. relationships with my family members. were at a low to where like we couldn't. even like be in the same room you know. and make eye contact because we're just. at our wits end with each other no it.

doesn't sound like uh the healthiest. place to live it really doesn't it. really wasn't and and I would if you. were to tell me that I would want you to. get on your own but before you went and. got on your own we would try to figure. out your income situation because now. you've put yourself where you're about. to be paying more than half of your. income and rent and you literally can't. afford to live and I don't think in the. end that you not being able to pay for. bills and getting in a more dire. financial situation than you've ever. been in your life is going to be any. less stressful than being around people.

that were in arguments so trust me I'm. not sitting here and saying like oh deal. with it don't be up that's totally okay. like that's a perfect environment to. live in I'm not saying that I would want. you to move out but we would do it in a. smart. way you've put yourself in what is going. to be just as stressful of a situation. if not even. more it's a different kind of stressful. it's different it's different and you. haven't felt it yet though because a lot. of it's going on debt and debt comes to.

get you mhm you're you're kicking the. can down the road more and trust me if. like if I could live with my mom or my. dad right now and then go to school save. up and do everything like that I would. like I so want that for myself and like. but it just why does the brother have to. live. there his financial situation is also. he is not anywhere where he needs to be. to be able to like financially support.

himself and then the four kids. okay again I'm not I'm not against it. you know I play Devil's Advocate to a. lot of different things it's not like. I'm just saying you're a piece of. anything like that I'm not even close I. want you to do really well you deserve. to do well as a human being you just. have to put work into it um we we would. have done it in a very different way but. now you're in this way anyway but then. you only work 36 hours a week at like. the lowest like type of wage you can get. in Austin so it's just like I don't know.

there there's a there's so many options. you can have whether that's live at home. or where it's make more money to get a. second job or get a better job there's. like but you're doing none of it you're. just. sitting and. accepting and that is not good I needed. to have this conversation because okay. my next step can be finding a better job. one that pays better but um yeah as far. as the like moving out that I think that. was something that kind of had to be. done I felt like I was at when did you.

move out almost a year ago okay so. you're 22 have you done school at all. college when I was fresh out of high. school you went to college I did I. wasn't I didn't have any goals as far as. you know what I wanted in a degree more. so going just because my mom wants me to. go um but I know if I were to go back. now like I have some ambition and I know. what I want to do. okay but in that field uh food.

nutritionist um nutritionist specialist. whatever uh $59,000 is the median uh. income for that in the Austin Texas area. and I like which is certainly better. than you make now I really would love to. go um and be like a dietician but they. just raised the requirements for that. you need a master's degree okay um. $1,000 a semester for two. years you could do that if we literally. just put any effort into just working a. bit more.

okay. it's this car is ridiculous what do you. think it's. worth. um Credit Karma valued it at like. 12,000 yeah we're seeing about 14. private sale so what I'm considering and. uh this I'm not going to say for certain. whether or not you should I I would. actually want you to get some uh little. outside advice here on this one but one. thing I'm considering is dude maybe you. sell this and you owe $4,000 on it and.

drive that car that's sitting at your. dad's place if it's still working and. it's in good condition it's going to. last for a while even though I'm sure it. takes forever to cool down even though. yeah it might not last for another the. AC works pretty good even though it. might not last for another 100,000 miles. it sounds like you're chilling in the. Austin area anyway so you're just. driving around town like my reasoning. behind that was um so the car that I had. you know it needed some repairs it needs. like maintenance things that need to be. done that are going to cost. a few thousand um and then I didn't know.

how long the car was going to last after. you know I do those things so my. thinking here was like I was financially. stable um so doing this you know it's. got the warranty it's got everything. stable though you still had the same job. right at this no no how much are you. making at this. point. 15 a year no 16 an hour okay so worse. than you thought you could get a $20,000. car that doesn't make sense just because. you have minimal overhead doesn't mean. that this makes sense for that income. anyway so I I want to correct that logic. as well it did at the time no it but it.

doesn't make sense it does I need to. correct that logic cuz I don't want you. to be in a place at some point where for. whatever reason your overhead small but. you're making $30,000 a year and you. think you can get a $40,000 car that. doesn't make sense there is an income to. car you know ratio that actually makes. sense in terms of what what is the. payment period on this 72. months 84. months I think 84 no actually so it's. rare to get one of those I'm 2 years in.

wow um incredible yeah and that's why. the payments. were yeah you did that so you could. afford it yeah and that was my first big. purchase that was a terrible idea well. now I know and you didn't know before. this. conversation actually not at the time of. purchase no this but okay the another. first Walmart see you like Walmart you.

can do the pickup. there yeah easy. $699.99 with the $28 minim monthly. payment. transactions. are blacked. out for some reason. um oh it was $59 of transactions though. and they were all at Walmart one looks. like a b purchase potentially. though okay trying to remember so I mean.

you went and spent more of course than. the minimum monthly. payment. uh so and then 18 hours of Interest so. again we're spending on a card that we. can't pay off and is a growing interest. and we put more towards it than a. minimum monthly payment in terms of. adding to the balance it's not very. smart even if it is groceries is it. groceries Walmart Walmart is usually. groceries I don't mind going into. Walmart for groceries. I prefer Walmart as opposed to.

HB as far as environment environment. yeah HP stressful you're delicate hgp is. stressful but I also grocery store I. worked there for for a while too so. maybe. it's okay the work atmosphere maybe I. need to have I mean I I I I I I have. empathy for a lot of things but I just. and I do have empathy of someone someone. like has a panic disorder about like. leaving their place or something you.

know uh and going out in public but I'm. just like there is a part of me that is. worried just like if we cannot handle. going to a grocery store how are we. going to survive for the other hopefully. 70 years you. have okay. you're not a credit card person you're. young enough to take advantage of the.

rewards that fizz offers anyway so just. use the Fizz card fizz fizz fizz I will. I'll get you set up with it after the. show it's a charge card though so you. can't like like a secured credit kind of. thing yeah pretty similar. okay but you can't do this the way. you're doing. it P's gotot in white is this what you. already paid or is this another one. that's what I paid they said they.

accepted my insurance when I went well. probably did apparently I mean did you. make your co-pay yes I paid my co-pay. deductible did you made it yeah it was. the end of the year okay and so I don't. know why I got stuck with that did you. talk to your insurance bill no I tried. to call them and calling insurance is. like a. whole don't do this again Co thing don't. do this again they said they accepted it.

I don't know. why you're acting like you can't do. anything they're out of network you. can't you can't call insurance now I. know it's a pain in sit on the phone. with an operator computer for a while if. you want an outcome sometimes you have. to do things and but I did go online and. apparently it says online that they. don't accept. it even though they told me that they. did you said it was out of network yeah. they're not in network if Baylor Scott. and White isn't in network you should.

change insurances immediately because. Baylor Scott and White is like half the. hospitals and a so like I would switch. providers if that's an option I don't. know well maybe if I get a better job. yeah yeah. yeah okay well I made it to checking. 2,000 there's 2,000 in your checking not. right now my. rent came out okay rent car. Insurance PayPal education $20 what's.

that that's Air1 radio station it's a. Christian radio station you can't afford. that you can't afford that and there's. something else on there I have no idea. what it is dud go to any fire pit in the. country someone's going to be singing. Christian songs with an acoustic guitar. okay just do that instead. of $20 a month subscription it's not a. subscription it's a donation then you. really can't do do it donate to your. future then you can give more that's the. fun part is like the the quicker you get.

out of debt the quicker you have an. emergency Fone the quicker you start. contributing to your retirement the. better off you are and that actually you. end up having more to be able to give. it's really cool it doesn't make sense. to give when you can't even afford to. live so I like the giving spirit I like. the giving spirit I love donating and. that was another thing that I had. started when I was still at. home um donations it's a like a monthly. thing so it's a subscription okay. going inside getting some bull and go.

fund me we're going funding something. instead of funding Your Existence okay. great that's great getting some frozen. yogurt. recurring play pay something on. PayPal oh are those the glasses glasses. okay how much were those things so I get. them from zen.com they're pretty. affordable cool but once you get the. lenses and.

everything yeah so my question was how. much are they were they $80 okay and you. had you finance that yes for now you. know if you didn't GoFundMe or do the. donations you may have been able to. actually just buy. them what's smug. mug so that's a my photo account um I. used to do photography okay so that's. like my portfolio. and then if to un Google drive to. unsubscribe from it it deletes your.

entire like download them first I've got. a. Chromebook they don't wa you can't. download things on Chromebook. Chromebooks are weird what are you. telling me you literally cannot download. images on a Chromebook I've never used. one are you going to make me Google this. the you can download things the process. is a. little what about like a flash drive. that's a good idea usba flash.

drive yeah Chromebooks are and that's. also yeah they're pieces of I don't know. why anyone gets them but uh you can open. and save many types of files on your. Chromebook like documents PDFs images. and. media okay good just saved you 1066 a. month went inside got some Bulls I got. some. B I got I got some B. that's pretty much it you stop in stores. and just get.

some also just go to a library for what. the computer yes it's free you live in. Austin you can download the images and. send them to yourself and upload them to. a drive I've never thought of that. there's so many things again all you. have to do is literally put in effort. that is the moral of your story put in a. single ounce of effort more than you're. already doing and magical things can. happen all right it's crazy how that.

works I know I'm dogging on you and I'm. sure there's going to be some upset. commenters especially on certain. platforms. but. it's I have empathy for so many things. for so many people on the show one thing. that I struggle to have empathy for is. when someone's in a situation they can. get out of if they put a little bit of. effort into it and then they don't want. to because they get tired. that's hard for me not that's hard for. me to have empathy for something that.

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future self and your wallet will thank. you terms of your spending would you. believe it then you better because it is. reality if I told you that of course. payroll in was 259 as we talked but. money that went out net was 2736. including debts going. up so because of that spending number. now this isn't your percentage of income. but percentage of spending 36.5 went. 36.5 went to housing or 998.

589 or 20.8% went to. Transportation necessary food. 325 11.9% include all the miscellaneous. bull bull food um unknown shopping an. additional. 10%. is rounded and and Medical Healthcare. probably the vet stuff and the pill you. had 9.7.

7.2% other large purchases 13.2% let's. see if they're necessary uh yes there's. that was one of the vet things the. health thing was you paying back your. debt the pharmacy fine PayPal we know. where that went too that was bad uh. zalen who knows who used zeld zel and. then the rest was yeah for animals do. you have anything in retirement no no. literally that extra $300 that you spent. on b or.

whatever buy the S&P 500 a low cost. Index Fund through Mumu and what would. that. do can open that account you throw that. in. there I don't. know 300 a month retirement is that. something. that you set up yourself I don't I don't. know a lot about return well it sounds. like your workplace is small so they. might not offer I don't think we have um. they could save some tax money on uh if.

they actually did but either way you. could open a Roth IRA through any most. investment platforms and that. contribution limit is $66,500 a year. right now okay and with that when you're. with your Roth IRA your money is taxed. on on the way in but all the growth that. happens over the compounding years. you're able to withdraw 59 and a half. tax and penalty free oh okay you yeah. mhm that's a different conversation. again you are going to go through our. investing class you'll have the option.

to you really should take it cuz we we. teach all about all that. stuff I do you have half of an emergency. fund Noah has. a update. for oh it's a tea update a drama update. Noah has an up update for in the post. show and a mean-spirited gift he could. give me if you'd like to do that bit. sure I will do that bit I don't care I. do I've been a little mean to you I. think for okay reasons uh do you want to.

see no what be mean to me sure we'll do. that in a few. minutes let's do your budget though uh I. we already know we're going to be. negative but it's good to get eyes on it. so $2,000 is what comes in when's your. rent going. up beginning of August end of July end. of ju okay what is that going to be may. as well write that in now 1. 05 I reach is that including utilities. and internet I don't have.

internet. okay um but utilities what do you do for. fun I mean I've got you go to McDonald's. trick- there was one McDonald's purchase. on there and what do you do for fun a. smoothie and cuz you barely work so what. do you do for fun you have a lot of. extra. time I'm usually at home they have doing. then with no internet they have you can. buy an antenna for the TV and you get.

anten channels yeah it's free how many. channels do you get with that cable TV. is horrid you like 20 channels but it's. everything you need you got like news. entertainment that's what you watch news. I like the local news sometimes well. like K Channel like ABC they have shows. and like everything is on there TV okay. yeah nowhere near trying to afford. internet now well it's not even that um. more like man you ever watched like Game.

of Thrones no yeah I'm just I feel like. ABC and stuff would be rune for you if. you watched a good show so stay away. from it stay away from it and you won't. know what you're missing good thing I. can't afford Netflix or HBO or anything. else correct what about utilities. utilities waterers included in my rent. um I just pay for electric which runs. about like $72 a month what about gas. driving. around that's about.

34. bucks a month a week not a week maybe. like every two. weeks I'm going to say 100 car. insurance. 145 your debt minum monthly. payments $. 53414 that's a. killer what what about your phone bill. um thankfully I'm still on my Dad's plan.

good so I don't have to worry about that. a low cost way you can do it do yum. that's usually what we set our people up. with when they're trying to save money. it's 20 bucks two mobile Towers which is. the best okay I yeah uh in the Austin. area at least um TP fund $100 for TP. fund anything else you need to exist for. Life $300 for food okay you get a meal. plan in the budgeting program and then. you can swi around what you need a meal. plan like well we made yeah based off of. HB stuff um which you could do for $250.

but we gave little extra pet insurance. you don't have which is why it's costing. you a lot of money and you probably have. a hard time getting it for an 8-year-old. dog I I looked into it it's about $89 a. month for. him and I. don't know if that fits in probably not. I'm putting it in parenthesis might save. you a lot of money for what you're. starting to go through medical for. yourself um so thankfully um I'm still.

insured through my mom's work okay um. but that ends at 26 yep so hopefully I. can eventually get a job where I can. have my own well honestly your health. insurance would be almost free through. the uh exchange right now government. subsidized okay with your income. situation. MH almost. uh and gym uh I canceled my gym.

membership okay my apartment has a. gym. prescriptions co- pays. um prescriptions only when like I need. to renew like certain that's like a. yearly thing at like. $80 anything else that needs to be in. your budget that I haven't taken account. for no. and we're $300 in the home which makes. sense for what we looked on me we we. knew the solution from the beginning we.

got your full Financial picture so that. you now have no other choice but to do. it unless you want to live like this. forever which I uh hope you don't I hope. you have more care about yourself than I. care about you like that would be. terrible if you don't so at a very. minimum you need to get an extra $300 uh. a month by working minimum what I would. do is try to get to $3,000 a month as. your real minimum after getting a better. job or uh a second job cuz if you do.

that you can actually start paying down. your debts I would look at and talk to. people who are more knowledgeable about. the car that is sitting at your dad's. place I would look at selling this car. for private sale throw that all towards. uh that debt and then you know put it in. the debt snowball I would debt snowball. $699 Walmart card first then. $34 Discover card then 2523 Discover. card then the Apple card and then the. remainder of the car that's how I would. do it okay you can probably do it in. about 3 years with that $3,000 thing.

then you need to fully F an emergency. fund but you you could go make more. money you could work off with. a even if you get a better job honestly. I would encourage you to work two jobs. anyway just literally make as much money. as you can your rent costs as much as of. a semester at ACC so literally make a. little bit more money and put yourself. through school and look look to in. invest your time that way and look to as. long as you're making minimum payments. it kind of sucks but then you could make. more money through that degree and.

working in the nutrition field hopefully. working your way up to 60,000 bucks a. year and then pay off the debt you know. at that point so there's a lot of. different ways to go about it and we can. help you with that okay first things. first though cuz you don't do any of. that if you don't make more money you. need to go apply to a million bajillion. quadrillion jobs today low high mid. anything do all the interviews okay. anything and everything you can do to. bring home more money is what you need. to do because without that you're going.

to continue going to debt you cannot. spend any money on fun unfortunately you. just can't afford it go to Parks roll. around in the grass oh we do that. sometimes swim in the free part of. barttin Springs you. know lots of things you can still. do blose on the green is free lose on. the green is free free and you get a. contact eye at the same time it's a lot. of you know so you get that for free a.

lot of things a lot of things people. hate when I make the joke but I'm. goingon to joke about anyway those. people get a get a dude to take you to. dinner that's a free dinner I do have a. boyfriend and he whenever we go to eat. wao that's perfect food get him to take. you out every night he's amazing he. whenever if I wants food he buys it oh. then uh yeah. use that wallet girl go out to eat he.

makes a little bit more money than I do. a lot of bit. more yeah you just need to make more. money I mean that's what this comes down. to so that's your first step okay and. then uh you know we can continue doing. follow-ups down the road but that is. your first step um hammer Financial. score let's figure it out you said a. three spending a budget will you spend. $700 more than you. make Z out of 10 that's an obvious. don't have anything in collections you. actually paid your collection so I'd say. with where your debt is now when it.

comes to your income it's really bad but. your debt is not the worst dead ever. created in the history of the world. three out of 10 there might be a little. generous mer fun there's nothing return. there's nothing real estate there's. nothing it's going to be a hammer finan. a bit of an emergency fund there like. $500 in there okay I'll say you start. with a one hammer Financial score one. out of 10 make sure you stick around for. the Post show and check out all the. resources Linked In the description. below is they what I use or would use. specific situations like the best. budgeting and investing programs that. can be found anywhere online now stick.

around for the post today on the. financial audit post show well you know. I want to support your weight loss and. do everything that I can I've said hey. let's go to the gym you're like I don't. really want to go to the gym so I did. find you know something do we have one. of these that's. sick I'm burning the. links there you go I don't know about. this to watch the financial audit post. show click the join button below.