Entitled Gen-Z Girl Uses Payday Loans To Party | Financial Audit

that is so dumb pay alans to buy drinks. for other people there's other things at. the smoke shop why just why this is the. kind of can bring into a relationship I. actually didn't tell him because I'm so. embarrassed why both we don't get to the. good place you want to get if we're. lying to each other just wanted to. forget that any of the debt exist you're. not a 5-year-old your brain is not. literal. mush Financial audit live in Austin. Texas on February 22nd go to Caleb. hammer.com or check out the link in the. description below.

hi my name is Brooke I'm 28 I live in. Austin Texas and this is financial. audit thanks for coming in what do you. do for a living here in Austin I manage. a grocery store the whole store well. yeah okay yeah I know it's a it's a big. one so like that actually must be a lot. of work do you get good money for the. big amount of work that this is what do. you get paid uh I get paid let's see. about. $78,000 a year that is good people say. we we're not say which one okay okay but.

people say you can actually make good. careers there yeah you can yeah and like. you're kind of demonstrating that you. can yeah 78,000 how do you feel living. in Austin 78 78,000 is good for if I'm. not you're you're 2,000 below I think. the Austin median household income and. you're 28 years old 78,000 makes so how. how do you feel living in Austin uh it's. uh a little challenging I'd like to move. up north because South Austin is a. little far away from everything yeah. North Austin is a little more like pay.

and survival and Stu I think I do it. well for myself interesting why are you. taking out payday loans every second of. your life in order to survive and. everything um that's a great question I. think part of it is to have fun uh part. of it is I'm just kind of ignoring. what's going on with why is payday loan. equal have. fun. um you know I don't have an answer to. that let's see let's try to have some. answers we our podcast well okay which. payday loan specifically there's a.

couple definitely get into them but I. just don't understand because you make. good money Austin is an expensive area. it's the most expensive area in Texas in. terms of major city I didn't know that. really yeah no I didn't know that I. think going be Houston I don't know no I. mean you can get specific neighborhoods. that are ridiculous but in terms of like. the city Austin is the most expensive in. Texas for sure um so it can be harder to. live here it really can you don't make a. bad income especially for a single. person no you actually make a good. income and I'm very happy to see it.

you've made a great progress in a career. before. 30 why would we be. struggling and you say you're not. struggling but you don't recognize it. for taking out payday loans yes I think. I am definitely struggling you said you. were doing like okay I forgot the exact. phrase you use okay okay people who are. okay take out payday loans so I do. pretty well um for myself but I started. way early on so I I've moved a lot in my. life I lived in New York City I moved to.

Virginia Florida Kentucky and now Texas. and so I think in that time I've just. been kind of scraping by and well how. long have you been here four years okay. I've been here six years it feels like a. lifetime I'm okay the rest of that cool. but I I a little confused how all that. relates to you doing this right now if. you've been here for four years not four. months four years yeah so what are you.

trying to say I think I've just had a. pattern of not really oh not really. paying things and taking out debts to. afford other things and so why kind to. ended up here again you do not make bad. money where does your money go to you in. your brain where do you think it goes to. the point where you have to be borrowing. this money first of all there's not even. a credit card for me to look at yeah you. could be putting I'm not even saying put. it on credit cards when you can't afford.

something go put it on credit cards but. if you do it's like get a 30% interest. rate instead of payday loans oh yeah I. didn't even think about that honestly I. figured it's just quicker it's quicker. money and I'm borrowing for myself so it. felt better if that makes sense it's all. borrowing from yourself yeah and then. credit cards I've been denied for a lot. of credit cards good yeah probably for. the best um those things I would want. you to use a credit card no I think yeah. and when I have obviously I've had one. closed before so I can't pay it on they.

closed you closed they closed it okay. yeah cuz you it up so bad yeah well I. just forgot to pay it and so then they. closed it how do and then I need to pay. it you have to forget to close it for. quite a while for a few mon they reach. out well I never reach and you also have. mail and apps and emails and phone calls. and yeah I things that operate in C. civilization so but it's easier if you. just put it over there you know where.

where you don't think about it in the. space where you where it doesn't exist. and I think assuming it has credit which. is why when you go apply for these. credits you're not getting approved. right so but the other payday loans do. approve you because it's such a high. interest so I've just been borrowing. from myself in that manner cuz sometimes. I can't make a payment at a certain time. and I don't want the payment to be late. because I don't want it to affect my. credit but the payday loans get paid off. that makes sense it does it yeah yeah. yeah yeah okay okay okay what I'm still.

confused about and which is it's the one. thing I always like to know before going. going deep into the finances is what is. going on in your life what you say so. far is that I've had a pattern okay but. what is going on in your. life um what is this reflecting what is. your life what are you I think what what. am I like a demogorgan or like a beast. or some something no I I don't I don't.

really know if I really stopped and. thought about it I don't think I ever. had Financial advice or help and I've. none of us have I mean I'm going to. interrupt you cuz everyone says this. none of us have but you have had access. to libraries and Google and internet and. YouTube I've been embarrassed to ask for. help and when I do it's not necessarily. like doesn't prevent Googling though. that's true but you know's not going to. judge you they'll stalk you they won't. judge you I have sat down and tried to. make a budget but I don't follow it if.

that makes sense so I do think probably. partially discipline Financial. discipline is one thing but also I don't. want to like go of certain opportunities. like being able to go out and have fun. have a good time why that in the budget. again you don't not make any money so. why don't you put those experiences and. things that you value into the budget. why don't it be in the budget and then. you stick to the budget and then you do. those things but you do them in a way. that you don't often have to borrow. payday loans I think why make a budget. if you're not going to follow the budget. well that's true and that's why I. haven't made a budget in a while cuz I.

last time you made a budget like two or. three years ago when I was moving so and. I didn't really follow it so and I think. so what we just hope at the end of the. month we have enough. money yeah that's that's you hit the. nail on the head that's pretty much it. uh and it's not been working well I. think I'm at a point now where I'm. drowning a little bit and I can still. survive like I can still feed myself go. to work know you're drowning though yes. I mean you acknowledge it but do you. know to the extent you are you don't.

budg you don't look at your St do you to. the extent definitely not I do know I'm. drowning I just don't think I am aware. of how bad it is if that makes sense um. like I see what goes in and comes out. and I think I have an. idea probably $48 to. $5,000 pay roll 48 yeah cool one went. out yeah what was spending probably more. comes in I know it goes out out probably. more like $6,000 if I had to okay so you. actually do know 6,100 so if you know.

then why would you allow that cuz that's. even more upsetting than not knowing cuz. now you know but you still do it so like. what are we doing that's just yourself. it is no you're right but I think the. main thing is that I've just spent money. to be able to have experiences and what. experiences matter more than you. experiencing being able to retire and. not die under a bridge there's any. there's any number of things um like in. janary for my birthday I went to Mexico. and I bought like a cheap plane ticket. for $300 and I expected that it was.

going to be more expensive but I spent. like $1,000 while I was there and in May. I went to Detroit to go hang out with. what you did this last month the month. where you spent $1,200 more than you. brought in i300 I went out a lot with. friends and so the experience is going. out getting drink why don't you get a. little like pregame and then hit the. town that's fair I drive myself. everywhere so Uber cheaper than going. out and buying a lot of drinks that's. fair or if your friends are going out. get them to drive you I live in South. Austin I live so far from everybody well. well and it's like a hassle to come down.

there it's like 30 minutes for anybody. to come pick me up so you know and I. haven't I think that's part of it too I. don't have like a solid I have friends. but I don't know that going out if you. don't have a solid I do I do but I don't. know that they would pick me up if I. asked I should ask they don't sound like. good friends no they are good friends no. they're good they wouldn't pick you up. if you asked they probably would they. probably would but you can't ask every. time and if I'm going out like every. weekend my friend we car pool constantly. every weekend well we don't go and hit.

the bars but whenever we go do things we. carpol constantly okay that's fair I. think I have to drive to them and then. we go to North Austin We're Uber to them. because again I don't like being at. other people's cars though I don't yeah. but we're just I just don't hey people. drive crazy that's sorry D just one. second dude we're literally just trying. to okay we're literally. trying we are trying I'm sorry oh my. sorry I'm sorry I'm listening we are. trying to get you from point A where you.

just got drunk to point B without dying. yes so I don't care if it's in someone. else's car Fair okay that that's better. than you drunk driving okay fine you. always care to drive so how are you. doing this now drrive I don't drunk. Drive no I I'm not saying you do I'm. saying let's prevent it well yeah so. okay you go while you spend a lot of. money on drinks and you only uh you. refuse to not drive so how are you. getting there and getting back well I. don't drink just for like I buy drinks.

for people and stuff I think that's why. uh because I want you you're spending. $1,300 more than you make a month how. can you afford to buy drinks for other. people you're buying payday loans I've. done it so I've done it so yeah via. payday loans yes that's correct so. payday loans to buy drinks for other. people not just that uhhuh but that's. how it's kind of mathematically working. out is it not you knew how much came in. you know how much leaves and I ask you. the experiences this month you said you. guess right and you said going out with.

the friends yeah mostly that so you're. going out you borrowed. $1,300 probably we'll. see to go out with friends at least in. this last month n yes this last month. that's what we're looking at yeah yeah I. don't know I don't know what happened. six months ago what no just trips and. stuff I think have also s me back like. savings you put aside and then you spend. what savings you don't have savings I. have your savings account in fact how. about we start with a savings account. that's fun usually we save that at the.

end let's talk about savings yeah we're. putting money in savings aren't we cuz. we're in a we're a big girl we have a. Marcus savings account what do we have. oh 93 cents sorry that's the total. earnings this year any balance 57 cents. yeah savings guys that's what it is. that's what's that's you know that's. what we're doing that's where money's. going well at a certain point there was. money in there and I haven't I think. that's how I know and where' it go to. Trips Trips to those are emergencies you. know not having an emergency fund is an. emergency yes and that's how I feel.

right now which is why I'm in a place. where I feel like I need to it's. interesting that we feel certain ways. yet we do no actions to yes solve the. feelings we have okay that's a fair. assessment I yes yeah I don't have. anything to say to that uhuh okay yeah. so going out to eat is more important. than having emergency fun well not going. out to eat sorry going out and beving it. up with the girls well going out to eat. as well I guess you could put that in. there too sure and then groceries I. could probably spend less on.

groceries but I like to I like good food. yeah I had you at $529 groceries you. could cut back if you wanted to how much. do you think you spent just going out to. eat specifically um probably like $600. she knows her numbers dude it is 609 I'm. on it but that's worse that's worse cuz. you know it and you do it yeah you don't. have an emergency fund meaning if. anything happens you have a car you. drunk drive you hit something guess what. you total that car you're not going to.

replace that car yeah you don't have an. emergency fund something pops up. something medical family a a trip a trip. cuz someone passes away you never know. what happens an emergency is an. emergency is an emergency and you don't. have a fund and you know how much you. spend I'm going after you know how much. more you spend then brings in but we say. no our behaviors say that that is more. important than any Financial Security. yeah actually did have an emergency. recently and I had to take out a Pap it.

was I got a a ticket um speeding ticket. and it was like after the bar no it. wasn't after the bars on the way to work. actually but yes I got a speeding ticket. and I had to take out a loan to pay it. off how much was the speeding tickets it. like 600 something dollar. oh wow those are expensive yeah don't. speed dumm it I stop speeding that's. someone who definitely doesn't well it's. Texas I mean everybody speeds.

all right it's FAL out here I'm inviting. comedians on the show. guys where do did you not take the. little thing where you can go take a. test and stuff uh well I no I didn't oh. CU this is probably the second ticket. recently no it wasn't but I just contest. and well cuz I have to get my license. and cuz I I lost it you lost your. license do you have an active license I. do yeah which then what's the issue well. I didn't have registration at the time.

why um cuz I need to get insurance on my. car you don't have insurance yes but I'm. I'm working on that no no no you can get. it in a 30 minutes how long you even. been working on it how long have you. been working on it a while it's really. expensive for it's really expensive you. spend $600 a month going out to eat you. yeah I could probably yeah put that to. that what happens if you get in a car. crash now cuz now you're not insured at. all and now you don't have an emergency. fund I drive a lot safer now that I got. a. ticket I mean I'm just saying I only.

drive to the bars I refuse to get an. Uber I got a speeding ticket for going. quick and it's a $600 one yeah so I'm a. notoriously safe driver guys that's. what's coming from your mouth okay I. want to give you free money right now. I've partnered with different resources. that will literally give you hundreds of. dollars the moment you sign up for them. check out my investing app of choice. Mumu where they give you up to 15 free. stocks and 8.1% interest on your. uninvested cash when you sign up with my. link do you want a more traditional. account check out where I keep my.

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free money cuz I'll punch you we spent. $600 going out to eot we're not getting. car insurance a basic legal requirement. yes which I will go do right after this. no you why did you do it before how long. have you been trying well you know if. it's going to oh come on um like a few. years I think what is that so I. registered my car when I moved to Texas. and then I can't remember why I didn't. necessarily get it done but then I just. I just what insurance well I haven't.

it's a phone call it's a Google it's a. are people incapable of using the. internet on this show no I've just never. been in an accident I've never gotten a. ticket it's leg it's legal yes yes legal. issues that's true you're breaking the. law and I don't want to do that yeah. you're when did you get the ticket uh a. couple weeks ago all right dumb why. didn't you get it in the last two weeks. then um I've I've been working a lot. what's your work schedule uh I work 5. days a week typically. uh 10 hour days and then I have two two.

days. off sounds like you had at least 4 days. off yeah to Google something to make a. singular phone call I did Google and. Progressive Progressive and all state. quoted me at like $350 a month which I. now that cheaper than some people have. on the show and also saves you more. money next time you get a ticket and. have to do legal things that's that. doesn't feel very cheap though like I. wouldn't say it's cheap but it's cheaper. than some people on the show for someone. with a ticket yeah on the record yeah. for speeding how much over were you uh.

it was a 35 and I was doing 61 but I had. a good reason I had a good it's a really. good reason do you want to hear. it okay so I their power went out at. work and I was rushing there because. they they needed my help so I think. that's part of the reason I got out of. the ticket yeah because you could have. turned the power on well no but I'm. responsible for facilities and. maintenance and operations I got you no. I got you I got you cool well that. explains the expensive ticket and that. explains why your insurance is so high.

are you surprised no get it it's been 2. weeks you work 10 hours a day you. meaning you still have time left in that. day okay 14 hours well 16 hours well. eight of eight of those are sleeping. hold on 18 hours most of the time well. 18 hours really no I'm stupid what's. happening what am I doing yeah pull out. the calculator 14 hours am I on the. right show apparently not right now it's. been an interesting.

day scared okay that was that math just. terrified me all right so six hours a. day I have free time essentially time is. five which I'm not even going to attempt. right now knowing where my brain is. apparently and then two days off yeah. and then it's been compounded over two. weeks well the two days off yes I I had. plans so yes yeah maybe your plan should. include not breaking the what are you a. child you're 28 years old you manage a. whole store meaning you have lot of. employees that you're dealing with why.

are you acting like a 5-year-old I've. just been ignoring all of it honestly. because it's been working how could you. be respected as a boss that's fair. that's no that's completely fair I mean. I manag I'm Type A at work it's just. like in my personal life it's like it's. kind of a mess financially and so but. personal life always affects work it. does and I think it's getting to well I. mean not really not really for me I. don't think so doubt doubt I bet we. could get in there and figure some. things out in your work I bet if we had. a cam strip do all day could absolutely.

there's going to be a stress that blows. over there's going to be something. that's forgotten because there ticket. things in your brain there yes I did. forget some stuff yeah because of the. stress level outside of work but say it. impacts what do you think is happening. of course okay. stop I want to know where you think your. score is then we're going to dive into. this money zero being the absolute worst. 10 being the absolute best where do you. think your finances are today I want to. know your self assessment where do you. think you are we've gotten a good like. 20 minutes of just assessing you your.

personality your thoughts on money so. far payday loans are making more sense. where do you think you are finances was. um I would probably saying nine being. the worst no no no zero is the worst you. saying one one one come on yeah sorry. well well let's listen I obviously you. watch your Hammer Financial score it's. free Link in the description below and. if you want to come on the show go to. Caleb hammer.com SL apply I'll give you. a little scream a little punch a little. slap slap slap of debt. all right so this first.

thing um it'sa the worst thing what am I. looking at here we have a. $5,295 okay what do you think it's worth. uh I think the last time I did what is. it blue Kelly it was like a.

3,500 which I don't think is accurate. cuz it's probably less than that 4,500. is what we got so you probably. underwater by about a th000 private sale. I bet if you traded in it' would be like. 500 less or. so okay so you're underwater if we get. rid what interest rate is this at uh. really high definitely closer to the 20%. I think 18 something 18% yes I got it. when my credit was like way worse. actually how did your credit even get. better you're taking out payday loans. what are you talking about improve my. credit somehow I don't I don't know how.

in the past four years what's your. credit score what are we considering. improve I think it's like. 650 really what was it it was like a 570. why haven't you refinanced so I didn't. know that you could refinance and then. when I did it was like past the time cuz. somebody said it's like three years. that's the time no no you can refinance. whenever at any time yeah oh well I mean. okay that changes things a little bit I. don't even would you go through like you. listen to who' you talk to you could go. through your bank okay I didn't know. that was I didn't know that I could do. that I thought there was a certain.

amount of time with the age of the car. and the age of the loan and then you. well your Equity position's bad in the. car to be clear yes I'm under $1,000. right is that right which is better than. I thought actually when did you get this. um 2019 I think okay so how long is this. term cuz this is going on forever we're. 5 years in you still owe this much money. yeah and I still well $36 minim monthly. payment oh sorry sorry. 30586 so I mean I got the car kind of in.

a rush um simply because I paid off I. loved my Honda it was a white Honda her. name was Jane fond a white Honda this. time yeah it's important her name was. Jane Honda and I loved her to death and. back and I bought it off a friend. essentially what happened was I got a. flat tire it was parked in my apartment. complex for like a week or two yeah this. I didn't live in Texas at the time but. it had a flat tire and I didn't fix it. for about a week or two when I finally. did go to fix it my catalytic converter. got stolen off of it so oh didn't work.

and I had like just paid it off and it. was like a little ho car yeah it was a. little hoopy so you know it is what it. is I got AAA to pick it up um yeah that. long St short I had to buy a car because. I had to get to work and I didn't want. to buy a car how expensive was this car. when you got it cuz this was 5 years ago. yeah uh I think the loan was like. $113,000 if I'm remembering correctly. not like the world's I mean the interest. rates it's not the price is the world.

well we don't know I don't know what the. value of it was I mean you're only only. well the thing is I mean you're still. underwater by about 25% since here it's. a lower loan and the value is a lower. number like it feels a little better cuz. it's only th000 under and we could find. ways for you to get a th000 you know. easier than 10,000 but it's still a. substantial Equity equity percentage off. yeah okay sorry $36 55 minimum monthly. payment how long oh through 2026 six so. we have two more years yes two more.

years hopefully less wa well okay how. are you going to do that if we're taking. out payday loans to go out what the. hopefully less hope doesn't get us there. that's what everyone does on the show no. I get bonuses you've been getting. bonuses that's true but I've had little. emergencies come up at least in the. which means you will always have little. emergencies come up welcome to life. that's why we have emergency funds so. your bonus can go paying off debt what. do you think why do you think life is. all a sudden going to be different hope. is not a solution there's nothing wrong. with having hope. I would rather you have hope than just.

down down down Gloom. Gloom but hope doesn't get us there a. plan gets us there actions get us there. well it's got me this far so what payday. loans that we're about to go through 18%. car debt of stupid yeah that got us here. great wonderful we're 28 with no savings. sorry 50 cents well there's something in. there so I mean it's come on that's not. funny that's not funny that is scary you. don't understand. understand how much that can your life.

today if something goes wrong in the. wrong you don't understand just how bad. that can get this can get you into some. of the worst debt you have ever had if. something happens that you cannot get. out of and you don't have insurance on. this car you need to drive you need to. drive with where you are in order to get. to where you need to be this car. something happens you're get in a crash. maybe it's not your fault it doesn't. even matter you just it could just break. down someone steals a converter who. knows who knows that happens what do you. do tomorrow how can you you're not.

qualifying for credit cards so your de. income is probably sh so who is. approving you for a loan to get a car. and you can't get a 50 Cent car fun fact. so what are you going to do you don't. you can giggle it off maybe it's a cope. one I will hope it is like many people. on the show have but 50 cents in savings. is not a laughing matter your life is at. such risk right now you do not. understand. how scary this is you do not understand.

no I I I get it and recently I just. started talking to someone who has a. perfect credit score so I'd really like. to. not mess up his credit as well so wait. married not married no but I just. started talking to somebody and it it. kind of how would you mess up their SC. well if we do get married in the future. it just dating by the D it was like a. wake up call to say like if I get in a. partnership with someone and I had a. perfect scrip how long have you guys. been well you guys don't like combin.

score what do you is that not how that. works I I genuinely thought you share. credit scores CU if you get a loan. together you're married you can get on. loans together you don't have to you. don't absolutely have to there's a lot. of advantages with marriages it's so. important to me I mean I still want to. get my together this is huge for. financial audit for a year now my team. and I have worked with experts to create. what I truly believe are the three best. educational programs in the financial. space online we have our budgeting. program where I teach you how to create.

manage and revolutionize your budget and. control your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary. project that we've been working on for. over a year now and just like over.

10,000 people who've already taken our. educational programs you can now take. advantage of all three of them bundled. together at a 15% discount I've heard. from thousands of people now who've. taken these classes and they've. literally change their lives for the. better and finally you can too at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this listen how often do you get these. bonuses uh um four times a year okay so.

what do you plan to do with your next. quarterly bonus is it going to go. towards thatt or is it going to go. towards a trip like your first bonus. this year to Mexico no no trips next. year I are you sure this next I would. love to go to the Bahamas but good yeah. oh sure I don't know that that's a. possibility obviously where I'm standing. right now everything's a possibility. this is more that done it before I have. done it before what your bonus Amounts. is that incorporated into your 78 or is. it on top of that uh it's on top of that. you make so much money this is great you.

do so well yet you're it up yeah how. long have you had this job uh about two. years what are the bonuses I get about. $1,200 and then in December I get a. little bit more so two to three how are. you throwing this away okay and how long. have you been dating this uh six months. okay and it sounds like you're thinking. more future this person good love it. don't bring this kind this is the kind. of can bring into. relationship well I don't want to like.

my financial situation yes because once. you guys are a partnership yeah unless. you guys are completely separate which. is weird and we've had people that do. that but he's going to feel some. obligation to take on this I actually. didn't tell him I was going to do this. because I'm so embarrassed about I mean. he showed me his credit score was damn. near perfect and like I I want to say. like can you help me understand my. finances but I don't want him to feel as. though he's getting. though should you what what is hiding it.

going to do that's not going to do. anything it's going to be worse in a. year I could probably get it together. yeah but what's you guys have been. dating for six months what is hiding. this doing that's not benefiting. anything that's worse probably that's. fair I mean he does pay for a lot of. stuff and so that's helpful like he'll. pay for like and you're still taking out. payday loans oh my my goodness he's. paying for things yet we're spending. 1,300 more than we make even though we. make really good income like twice a. month okay this car. we'll think about this car okay we'll.

see by the end all right so I I must. like this this is your credit you didn't. print off statements I must have your. credit okay so what do we have oh my. what is possibly happening this has a. balance of. $441 why are we four months past due. it's so. stupid that is so dumb you can still pay. this off immediately what is. this what is this so is the card that. closed with my bank I just forgot to pay. it for a couple dude it's not even.

forgetting this is so insignificant. compared to your income you could kill. this how much is your rent uh6 to $1,700. that's actually quite expensive why'd. you do that well cuz I wanted to live by. well I had to live by myself you live by. I have but I know I have people that. live by themselves for cheaper well. that's fair you wanted to live in a. place you wanted to live well sort of I. wanted to have a second bedroom to be. able to host people and have like an. office area and that so but it is a good.

price our grocery store job notoriously. worked out of a home I I could pay that. off you're right but I figured it's such. a small amount that it's you what are. you this is killing your credit is it. that bad I figured that what are you. talking about what are you talking about. this is a you're using 147% of your. account's limit if you're doing that. that's your credit utilization then. you're reporting Mis payments not only. that but you had Mis payments in. February and March as well then you. start making out for the next 2 months. and then you just for four months you're.

like it doesn't matter it doesn't matter. you want to go into this relationship. you guys might go on Al loone together. get a house together but now with your. kind of credit they're going to see this. history and they're going to be like you. as they should cuz you're not. responsible with that you're not. responsible you're not a credit card. person no I'm not no and you know I. don't really feel the need to have. credit cards because I've had the payday. loans this is just all going what a. statement what a statement but the cost. of a payday loan if you pay it back.

right away it's like $20 I mean you. haven't started to pay on the current. one taken out which one I don't know. this is the current one taking out you. we're getting to it yeah okay yeah we'll. get to it you haven't started yet so. well it pay off I don't know what the. you're talking about it pays off on your. paycheck like the day you get paid they. pull out the money just been this like. Auto full yeah it just pays it off that. day and so it's been like this vicious. cycle where every paycheck I kind of had. to and I think that's where I'm but if. you just cut back $600 one time going.

out to eat in a month you would have. fixed it I did and then I got the. parking ticket or the speeding ticket. and it was just like okay so that. happens do it the next month then that's. what I'm going to do but it just feels. like every time I reach what you're. doing well it's not what I'm doing but. every time I reach I have your spending. statement and oh they are pages long so. I don't know what the you're talking. about you're now is what you're. doing and I don't accept bull this table. okay that's fair uhhuh so why trying to. lie to me don't do that that doesn't get. us any. oh come on but you said I'm going to try.

that next time no you're not I have your. damn statement and you it wasn't the the. parking ticket this is your last damn. month you spent $600 so why both we. don't get to the good place you want to. get and I want to see you get and they. want to see you get if we're lying to. each other so don't bull me for sake. you're four times you could have PID. this off less than you went out to eat. but you're like no I would rather. destroy my credit what is the point this. is money you sign a contract to borrow.

you don't feel obligated to pay it back. in any way. whatsoever I guess that's where yeah I. guess that's what what that means if by. my actions I just haven't thought what. do you think in your brain I thought. that it wasn't affecting my credit that. much missing payment and overutilization. do you look this is do. you okay this is just another one of. these things I feel like I'm on this. trend right now of just the you have. access to so much information. you don't think this is impacting your.

credit if you are in the world of credit. why have you not looked at what impacts. my credit also this would tell you that. it impacts your credit what account what. app are you using what is this pulled. from uh Credit Karma it tells you it. tells you what's impacting your credit. and it tells you usually next to what. items or what category in your credit. score are they being impacted so it. literally is to cheat sheet right in. front of you it tells you if it's a high. pack high impact medium or low oh you're. just you're at that point I'm sorry.

that's the stupidity that's the. stupidity that's not laziness that's. just dumb cuz you're not looking at the. damn app that you pulled this from so. when it closes it hurts more well this. is probably going to get sold to. collections relatively soon if you don't. pay it off I P pay it off before it goes. to collections you might get like a 30. point hit in your credit score if it get. sold off to collections this is their in. their internal collections as far as I. can tell now it's going to go to. collections before you know it they're. going to feel like oh I'm not getting my. 441 let me sell it for on the dollar and. then they're going to try to fight to. get it they've been calling me yes yeah.

but pay it now now how much is in your. chcken account right now like. $78 how you make too much money for that. how possibly oh wait I know cuz I've. seen your checking account for sake. okay this probably still has a minimum. monthly payment what is it uh I don't. know that it does it used to have like a. payment of well right now it's at 251.

that's what's oh two 2 215 because it's. back multiple payments it's probably. something like 49 bucks okay okay so I'm. going to put that in if you at least. start making it on they won't sell it to. collections just make a damn payment. okay. very okay okay I see see I have a. Capital One with $81 it says it's active. Yes actually I do I have that credit. card yeah but I just recently got it not. too long ago show me it pull up the app. you didn't send a damn statement we. asked for statements of every account. come on guys you're a manager you give.

out instructions how can you not follow. instructions I just recent think about I. don't even use it that often well it has. a reported balance yeah it does sure. does you're not a credit card person if. you're going to use a credit card use it. like a a Fizz card it's a debit card it. builds credit use one of those okay okay. this okay what what do you want to see. the transactions no why don't you just. give me access to the app little little. laugh te huh huh what do we got what are.

we looking at take a drink for this we. got some gas oh we got schlotskys just a. couple days ago day before that Panda. Express. guys poor Mr Jacob over there he went. through all your spending fun fact Jake. it's probably twice his worse no is. you're spending every day though then we. got our nails did there's your. interest Amazon. this iscon pizza en rolls dreamer Hotel.

Vegas holy. smokes is there a single person on the. show that does not have a nicotine. addiction I'm going to die what is your. preference for your consumption of the. Nick I just Vape but it's only when I'm. drinking like it's probably after a. night of. drinking yeah you're spending a lot of. money at the place you work at I know oh. and you know what those are not grocery. shopping to prices those are like we're. stopping we're getting a little snack or. sweet treat not sweet treats you're.

kidding me what kind of snack are you. getting what are you doing this is like. multiple times this endlessly grocery. grocery grocery grocery Grocery but. they're not groceries I'm there all day. yeah all day you don't think people that. go to their jobs are at their jobs all. day I've been here all day so far what. do you think I did what do you think I. did I had a little protein bar a little. protein bar that we pre-ordered instead. of me going and buying lunch that's fair. there's also a culture or two at the. store where everybody wants to like go. out to lunch and I need to just say no.

because everybody's been like oh let's. go here let's go here and if you don't. do that there's a little bit of like OST. aers is it how I can't say the word hey. you look at me my job is to sit right. here and be the absolute stunning figure. that I am and some things I can't help. like my incredible ass which is why. you're all here of course but also some. things are in my control for example the. pearly whites I Yap a lot some would say. too much and I get that but listen if. I'm going to Yap my teeth may as well.

look pretty damn good but the thing is I. drink a lot of coffee to get through the. Audits and I started noticing some. staining on my teeth so I've partnered. with today's sponsor orlow and they've. brought back my confidence for continued. Yap sessions the reason I prefer them. over competitors is because they. actually whiten but they do it. sensitivity free and that's always been. why I can't use these types of products. for long due to my sensitive teeth these. teeth teeth whitening strips from orlow. are incredible make sure to go to Amazon.

and get the orlow teeth whitening strips. sure to use the link in the description. below to make sure your Gap sessions can. be just as confident as mine with. stunning white teeth Uber Eats Amazon. summer Moon and I I love a moon from the. summer that Moon milk that black taste. from my I love it I love it I can afford. it you Alo owe $264 on here of available. credit to spend ladies and gentlemen. $35 it's maxed out kidding me great and.

you couldn't even send a statement so. you probably didn't even know how much. was on here $264 and10 what's the. minimum monthly payment oh guys it's. like 30. bucks I don't pay auto pay is set to off. well I pay it every you for yeah but. guess what happened to the last card. guess what happened to the damn last. card that's fair that's fair that's fair. we had four Miss payments and we made or. we had two and then we made two and then.

we missed four and then the account. became closed what makes you think you. can use this card you can't you don't. know how to use credit cards you're not. a credit card. person why would you do this to yourself. why would you do this to yourself. I why not at least have the auto pay on. I would love if you've paid more of. course but just have the auto pay on you. need a credit card for your credit huh. you need credit cards for your credit. you don't need a credit card for your. credit it is is beneficial if you use it. correctly but guess what you have a. closed account with utilization at a.

million trillion percent because it's. over the balance on the last credit card. and this one's completely maxed out so I. don't know what benefit you think this. is having to your credit that's going. against you you're not utilizing it it's. utilizing you for money oh okay I I paid. on time so far we saw what happened with. the last one okay we saw what happened. with the last one um okay 25 is the. minimum I usually pay it off in full. though whenever I get paid. no I had interest AC crewing as I looked.

through the transaction so that's. incorrect so you don't even know that so. you're incorrect about that so set it up. on autopay CU you don't know you can set. it to pay off the full balance probably. most cards allow you to so you could. just damn do that if you're going to pay. it off in full every time for. sake. oh. oh also you spent almost like 100 bucks. plus like that 20 bucks at the smoke. shop so it can't just be for drinking. unless when you drink instead of sucking. you're sucking down. Vape no no I mean there's other things.

at the smoke shop like little Trinkets. and sweet treats that I'll buy it's a. very nice smoke little sweet treats at. the smoke shop they do they have like. drinks and stuff and cookies and special. cookies and drinks no no gosh then why. are you getting it from there go to the. grocery store bulk you work at one you. work at one bulk bulk. bulk okay okay bulk Ed Financial. J student loans oh yeah you went to.

school yeah I did what was your degree. uh I just have my associates I have I. never got my bachelors but I have enough. credits for two Bachelors I never I mean. look at you I mean you have a great job. your finances are your own choices but. you have a great job so uh that's. there's nothing wrong with that who I. don't give a what piece of paper you. have I care about what you accomplish in. life after that for so many people their. life is so sad that the ultimate like. accomplishment in their life is what. they did between 18 and 22 no you're.

actually going and accomplishing more. than many people do afterwards so you're. the real winner well right thanks their. lives are sad they're in 60 I mean if. you look at my financials though my life. is this is sad but in terms of what. you're actually doing discredit no no no. what you're doing in accomplishing is. great people are like in their 50s and. like all they look at is their degree. and that's their pride and joy of their. life instead of the Decades of. accomplishment that you could do by. going out there getting done you're. going to getting done you're being. stupid with it but you're doing great in. your career yeah okay that's always been.

true good let's utilize it correctly. $4,800 to $4 is owed probably all low. interest what's the minimum monthly. payment on the student loans uh I don't. know I are you paying towards them no. they were 3,000 before for why if you're. on like some income based thing I'm. going to be kind of upset cuz you make a. good income income based thing I don't. even know what that is then why wouldn't. you be paying on them. uh what what's the What's the phrase I'm. looking for like a a choice a moral.

choice I just thought when nobody else. was paying them off I thought that's. what we were all doing and you know now. I have more like I was 2000 a toddler. you are a toddler and an adult body. managing people somehow what kind of. they're going to garnish your wages. they're going to get their money through. a worse way they're going to take it. before you see it okay I didn't know. that what are you why do you think that. you are entitled to that not entitled I.

just didn't want to I just figured. nobody else is paying it they would what. do you mean nobody else is paying we're. all paying oh so what the talking about. during Co there was a pause girl we've. been paying for over a year now I kind. of stopped after that honestly it's not. a choice yeah I mean it is though G your. wages it has been a choice for a little. bit and interest is crewing on a balance. that isn't getting smaller that's fair. meaning you're gonna owe more oh why.

would you do this wouldn't want to do. that oh that's such a child move I don't. get it oh I don't dislike you as a. person but that is such a childish move. that is like so beyond immature like I. don't even know like I'll make jokes all. day I love a good little immature like. uh stupid little boy comments I love. that but this is what an actual immature. individual does your actions you're what. you're doing in the real. world this is crazy everyone else is not. pay another set Lo I'm not going to. pay the rest of us have been paying what.

the are you talking about how do you not. even know hasn't been a problem up until. now what you me well you know when it's. laying out in front of you it looks like. a problem but that's what I I started. off saying is just kind of putting it. off to the side and you know oh you are. so. irresponsible focusing on paying off the. car like that's basically what I've been. focused on you're paying minimum towards. your car yeah that's your focus is just. making a minimum monthly pay you make. you can pay off if if we focus your.

income for a few months because if your. income we could pay off your car in damn. six months probably so I don't know what. the you don't know you you are bullsh so. you're yourself I don't even. think you know you're you are. so far gone down this. mentality oh my oh my this. is I didn't think this I didn't think. this would be your conver ation I really. didn't but then again you have to have a.

certain personality certain mindset to. take out payday loans you have to so. this actually does make sense I didn't. think this was going to be this. conversation I thought it started. relatively Pleasant this doesn't mean I. again it doesn't mean I hate you no I. mean I've just been ignore I've just. been ignoring it I think that's the big. thing and going on to live my life and. now I've reached a point where I have 57. cents or 97 cents in my savings and I. don't feel 97 cents would be exciting I. think it's 40 something. okay okay there's your car yep and then. Flex is.

$0 something you use often every rent. rent is rent this isn't rent this is. something you use for rent yes exactly. do you ever use it I use it every month. oh my what's the fee uh it's like $15 a. month why why pay $15 extra for your. rent um cuz my it cuts it in half and I. get to pay in the middle you should have. oh okay okay listen listen listen my. ears are on if we could kind of I think. I don't know maybe if.

you have to split R in half with your. incredibly powerful income and. bonuses you need to go through our. budgeting class immediately you need to. learn how to build a budget manage a. budget construct it review it go through. all of our education take the quizzes. same with our debt class eventually take. our investing one as well you get them. all for free because you're a guest on. the show and we want to give you the. resources we want to see you succeed. like many in the followup Channel have. you have to though if you have to split. your rent you need to take our budgeting.

class immediately I make a budget at the. end of this but you need to learn how to. budget and that is the best way to do it. all of our programs are bundled together. best online in my legitimate opinion. because we've taken almost all of them. out there they're all bundled together. for 25% off I recommend them but you get. them for free you better use it you're. paying oh I can't believe you're doing. that you there's no reason someone in. your position should be. flexing what am I looking at here. transactions of what what account is. this um let's see this is going to be.

the Payday for Dave. which. oh sweat my. gosh what are we doing surviving Dave. you're not you're not you're kicking it. down the road and you're hoping that you. make it in the end that's a fair. assessment you said that like 10 times. I've done it up until this point I think. now I'm I just want to get more Ser I'm.

almost 30 years old I want to get to a. point where I'm not just ignoring all. this and putting it off to the side. listen no you you might have that want. and this is what I tell everyone because. everyone says that it makes it easier to. get out of this tough conversation. listen you might have that want but you. clearly want to go vape and smoke and. you clearly want to go out to eat and. take vacations more you clearly want to. go bu lunch every day you're at work. more more you might want to a little but. you care about those other things more.

cuz that's where your actions are that's. where your behavior is your proof is in. the numbers in your spending we've gone. over some of it already and we have a. massive spending statement here in a. little okay so you might want it but. that want is like a 05% want okay so let. me know when you're really serious and. done. bull so for Dave what are we doing with. Dave great Fe Fe Fe Fe Fe fee up the fee. fee for life cuz we're just spend we're. just taking fees fees for our money you.

your money put in that Marcus account or. like a better one like Sofi or something. yeah take that yeah take it or you put. it in the stock market I open up my. brokerage MooMoo okay beautiful I'm B no. not even just the I was going to do like. an S&P 5 500 example this $600 that you. take out put in your MooMoo if I'm not. mistaken for like the first 3 or 6. months it's like 8% on your money for. just letting it sit there you that's my. investing app that I use oh I'm so sorry. no it's okay no that's fine I'm just huh.

no no no sorry I just if you when you. put that if you put that money in I. think you get like 88.5% on your money. it's incredible for 6 months instead. you're taking it from Dave and paying. them $30 damn dollars for that 600. you're losing your money on your money. it makes no sense your money should be. working for you and making money but. you're literally just giving Dave money. for your money yeah me and Dave have. been home boys for and then you Flex.

rent everything you do is some Char some. stupid paying extra yeah you're losing. money on your money which is so rare. you're losing more money on your money. than just. inflation for. sake so what's Ed to Dave right now 600. yes that pays on payday and then you. immediately take out 600 the next day. not usually it's if I have like a bill. that you do cuz you say you do it for. every payday well I try to not but.

sometimes I'll need it to pay a bill. earlier so like if my how often do you. do it then come on payday two days two. times a month right two or three times a. month maybe it's four I have four I have. four times a month I get paid oh you get. paid weekly I get paid weekly yeah okay. so it's every other pay to Bi weekly to. pay the bill on. time it's head one damn time dude it's. the money you spend going out to eat. from not even the other credit card we. already looked at so now we know you're. spending money going out to eat is even. more okay wonderful.

so literally one month of not doing that. a single month sacrifice in your entire. life and you're done with Dave okay one. month and you're done with Dave there is. no reason not to no reason that's fair I. was almost done with Dave and then I got. that stupid I know but also again I said. stop I specifically said stop. bullshitting me because again it wasn't. just a ticket you still spent in your.

most recent statements 600 now probably. close to $700 going out to eat so it's. not just a ticket you still spent the. same amount of money that would have. taken care of Dave I didn't realize it. was that much well it. is so stop with that emergencies. happened you didn't sacrifice in order. to have enough money. to wait you said you said your little. savings went to the ticket how much was. in your savings uh well no I I didn't. say my S before like emergencies have. gone to my savings have gone to.

emergencies like my yeah like it anytime. an emergency what's earning is that. another Dave yeah it is so we're we're m. d just getting a TR train ran on but. Dave's I don't even know what. Dave we need to get Dave Ramsey in line. he'll fix. that can I. something what I would like is to know.

what to pay off like mostly first in. order because we'll get there yeah okay. we'll get there we'll do that at the end. it's okay we'll do it at the budget. we're just I'm just trying to get your. entire situation written down and. assessed and understood that's fair uh. your student loan minimum Mony payment. by the way we didn't add a minimum Mony. payment I'm guessing it's about like 60. bucks nothing. crazy okay so this you're borrowing like. $50 $150 you're getting like what tip. why is there tips you're tipping them.

like a dollar it's like not what why why. are you tipping them it's a dollar I. mean no but why are you tipping them I. have a habit of like over tipping I tip. no no why are you tipping this because. they put the little sad thing on the. screen they're like you should tip us I. don't know it's a p a little micro. payday loan you're tipping the payday. loan. people they do ask for a tip no I oh I. don't usually tip that's that's I want. to be clear that might be the dumbest. thing that's happened on this show.

that's well I will wear that Crown High. I suppose and that's hard to beat at. this point this many years in this many. episodes a week well that's impressive. this is especially bad the borrowing. this month I think cuz it's been October. and Halloween and you oh you I can't. handle I'm just being honest there's. going to be there's a Halloween. there's there's a holiday every. month.

until until spring right summer that's. not accurate Halloween every month. holiday a day that is a holly that's. fair that's fair sake Jolly unlike. my finances is stop tipping the payum. people okay okay all right hopefully I. don't need to give them any of my money. sooner than later are you tipping. because it's on top of like a. million per interest fee. immediately I just don't understand why.

you do it to yourself man I really don't. what don't get it so how much is. currently owed to earnin um probably. like $100 I think I paid it off actually. I can pull it up but I I think I paid. that off already you better not what's. the frequency of your borrowing um I. mean on October 31st we had 50 150 150. 150 yeah like I said October was. especially bad but usually it's about. once a week let's borrow like $100 or. $150 and typically it's just to be able.

to like get groceries or food or gas. before I get paid again after paying all. my bills okay is that all your. debt how much do you ow to them again to. who earin earin uh I think I paid that. off okay so it's done yeah ear delete it. oh your account yes. okay so that's all your. debts that I yeah that should be it okay. sure oh well oh for sake what actually.

what there's always why it's bad well oh. good it's not it's not terrible I can. off what is it cuz they don't even know. cuz it's not in here what is it well I I. said it like the last hey yes what is it. so I took out a loan because I was let. me just explain so I had a tattoo. appointment and oh for it was like 6. months in advance I had to I got the. first one I paid off the first one and. then the second one unfortunately I had. something where I had to pay something.

off so I took out a loan for the second. session but it was it wasn't necessary. but it was something that I wanted to. get because I've had like two really bad. tattoos okay so you bought for a tattoo. yes how much uh. $1,200 and to who uh it's like one of. those it's like payday. loan a $1,200 damn dollar loan for a. payday loan for for a tattoo a tattoo. payday loan but it's really nice what's. the shut the up what's your minimum.

monthly payment your what is that yes. what's a cover up great it's a tattoo. okay I've seen a million congratulations. underneath it were really bad though and. I had them for so long you little swasa. no it wasn't a swas it was just like. stuff I got when I was really really. young and I got one for a friend of mine. and you know it's then we didn't need to. borrow 12,200 to get it now what's the. minimum to payment on this 12200 I. haven't been paying it huh I have not. been paying it you what did you take. this out uh like 2 months ago oh why. haven't you been paying it why okay so.

when I why it's a long story go I can. explain I thought we were done I. legitimately did oh you can explain all. day I just thought we were done and now. we're not what what well I lost my card. and then to get the card on there to. make the payment it didn't work so they. wanted me to come in person and then I. just never went in person why no no no. give me a answer why in your brain have. you not. gone why have you not been a adult all.

these things not paying on your student. L not getting your damn Insurance not. taking the little quiz for the. ticket why why why and then this why. just why can't. do I want an answer I want any kind of. insight into your life if I don't know I. don't know what to do at the end of this. I just wanted to forget that it any of. the debt exists but that's not how it. works you know that's how it works. because you're not a 5-year-old your. brain is not literal mush so as many of.

you know I've been a big supporter of. course careers for a long time I'm not. just a partner I actually own stock and. I'm an investor so why did I partner. with course careers because I truly. believe in what they're doing a lot of. people have questions about online. certifications versus traditional. college degrees let me be clear I. wouldn't put my name behind something. unless I knew it worked the thing is not. everyone has the time or resources to. spend for years in college or take on. massive student loan debt course careers. offers a practical affordable way to.

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life are you yourself it's not to forget. it because you know it doesn't work like. that it's just been it's been working up. until this point that and honestly how. it's not I have it in front of me it's. not working I've moved multiple but it's. not working I've I've lived on my own. since I was 17 and I like haven't needed. you pushed it down the road but it's not. working and now like you said I mean you. were a little wrong about what you think. impacts the the boyfriend potential. husband but what does is if you guys try.

to qualify for loans together like a. morgage then all of a sudden this debt. doesn't well I mean there are technical. things for assets and whether or not. what things become his but even still. let's just pretend none of it's you know. an asset or anything and he's like he. will feel like he you guys are a couple. and you're taking on the debt together. and you're burdening him with this I. don't want to do that so it's not that. you've made it by kicking the can down. the road you've kind of come to a.

boiling point and you're going to. someone else and your relationship up. damn that's good yeah no that's accurate. actually no cuz it's just been me like. I've just been surviving by myself and. now it's like I have somebody else I. don't think you know what survival is I. mean I've been surviving dude you've. kicked the can down the road you haven't. been for you don't even know what the. minimum monthly payment is I don't even. know how to incorporate that into your. budget I could put my next bonus to it I. don't know what your payment is and. when's the next bonus uh the end of this.

month November fine do that put the. whole thing on just do it just kill it. I'm sure interest and fees have occurred. yeah. probably why do this to yourself you've. overdraft had overdraft fees of. $370 this year so far that's not. terrible is it are you what what are you. what are you this is why you think. you're surviving because you don't know. what just even being halfway decent. looks like zero odra overdrafts is what.

we consider okay okay got overdraft not. having enough money in your account. you're still spending money no that's. not okay and that has to be what. overdraft is are like 40 bucks a piece. usually yeah it is okay so what are we. doing what are we doing overdrafting 10. times 10 times in a damn year what are. you doing you're averaging out pretty. bad we just completed the 10th month of. the year so you're overdrafting once a. month on average no that's not okay you. make too much money to be overdrafting. that's so stupid $147 in checken it out. at the time of this it's all bull are we.

surprised I don't think we're surprised. for a single second let's see is there a. line in here that's not. yoga we decided yoga wasn't. cuz it's good health other than. that literally everything else is. bullsh okay happy bow waterburger summer. Moon Uber smoking it up Uber and Uber. guess what guys we don't like to take. other people's car cuz they drive crazy. well we're ubering everywhere good well.

you never really know Concourse the cor. conour project ven mo money out probably. to go get food 10 bucks venmo 30 bucks. venmo 21 bucks Sumer Moon summer Moon. Runway. standard subscription mid Journey we're. paying for Mid Journey what the are we. doing well that's my like I like I you. know what I'm not even going to bring it. up you're right I don't need it but. Amazon Loop and LS The Concourse what is. The Concourse it's uh like a club like a.

music well you're addicted to it stop. more The Concourse Amazon Concourse. Amazon Concourse smoke smoke Sheen Taco. Bell Duncan tomson's feet going inside. getting some probably oh that's my cat. no tomson's feet is my well you also. winning got some 711 after that juice SL. Ramen. tatuya gasmi that's fine Rose's Cafe. went in and got some bullsh bar Partners.

games Chick-fil-A went in and got some. Bullit Courtyard weirdo Concourse. Concourse Concourse canteen canteen. canteen budy Burger juice land Golden. Nail Lounge we went there again we just. went there what the doing Panda Express. load off. Fanny gosh smoke smoke juice SL Emerald. Tavern that place is Sheen Venom P huh. this friends they but oh well there's. just a um better one yeah right down the. road it's 10 times better venmo payment.

venmo payment Len the food are so bad. that's all work that's really all work. like eating with coworkers Emerald. Tavern not Emerald Tavern no that point. the mic towards the face point the mic. towards point point it toward your face. just point it there you go this is. listen there's a better version down the. road I forgot the name of it but it. actually serves edible food oh okay and. it's much more comfy yeah the food was. really bad ATD Emerald Tavern is. literally horrendous I don't know how. they survived okay McDonald's mcco McCoy. Roes Cafe and torti Steam games Ace.

she's a gamer yeah stop oh you already. own Games summer Moon Spotify we can. listen to ads if we're spending $1,300. more than we make on a single day basis. and we're borrowing Payday for tattoos. and we can't pay rent without using a. damn thing okay the like the courtyard. that I called that that's a concert. venue by the way summer Moon Taco Mr. Taco Mexican Oh I thought it was Middle. Eastern or something Mr Taco okay mood. and pit Panda Express Moody that's more.

concert concert concert Mr Taco Mexican. summer Moon Beijing walk. McDonald's yeah every day that's all. work it really is what are you talking. about what are you talking about what. are you talking about like summer Moon. then why are we having all the grocery. store purchases on that other card that. you say are getting food if the other. stuff is going and getting lunch with. food then what are you doing with the. other stuff then are we double food. every day where at work usually I'll buy. for my co-workers and they'll buy for me.

don't they make money it's like I've. already set the expectation it's like a. weird place now where I can't be like no. I don't want over here listen the thing. is them you are borrowing from Dave and. erning and all that stuff you've set the. expectation guess what you've set the. expectation to flex that you're going to. be giving them fees to pay for your rent. let's stop that expectation let's stop. both let's stop all these stupid. expectations no more ation you don't. make enough. money it's as easy as that it really is.

it's a it's not even a hard conversation. it's hey guys L at the budget can't. really afford things like maybe I have. cancer or something I don't know makeup. something I don't give a do whatever it. takes to stop just stop I'm getting. engaged maybe in the next couple years I. want to save up for a wedding okay. literally anything I don't care stop it. okay my voice hurts after this this is. so stupid this is stupid and stop the. expectation of tipping your payd on. people and everyone that you over okay.

yeah that's no more I can't believe you. do that I can't believe you do that I. can't believe you do. that I'm about to make a budget for you. before that I'd like to ask you a few. questions if you could oh god. um that's you know I deserve. that and the thing is is I would click. 20% even when I. shouldn't and if they're really nice to. me I'll do 25 total income 4,800 bucks.

right yeah plus bonuses sometimes that. next bonus is going to the payday loan. got it okay so I'm crossing that off. that is what is it's not a single set. anywhere else that is what it's. happening okay your debt payments. outside of that. $440. 55 that's your debt what's your rent6 to. 1,700 how do you define why is itties. like it's all combined all of it I'll. call it on the upper ,700.

okay okay is that including internet. renters insurance everything everything. no internet $100 a month I didn't what. kind of Internet. you spectrum and they're terrible yeah. Spectrum get what else what else uh is. that cover all. utilities what what else did you ask. internet electric gas electric and gas. are included okay rentals insurance. renters insurance I know you don't like. having Insurance have renters insurance. do you pay for it separately I do it.

once a year okay that's fine phone bill. $100 why is it so much uh you own your. phone I I don't own my phone now F who. do you have. AT&T and that's $100 a month yeah well. the bill is 50 and then like the guess. the payment on the phone is 50 is that. is that a lot that's owing on your phone. yeah I ow I oh you asked me if I own my. phone I said I ow oh or I don't know. what I said but when you're done and you. pay it off switch to helium for 20 oh no.

for 15 bucks a month cheaper same towers. as T-Mobile T-Mobile towers are the best. Towers in Austin by the way so there you. go oh that's good okay but it's 100 for. now cuz you got to pay off that damn. phone which is like 10 more payments on. it gas vroom vroom drive drive how much. I I honestly don't really know probably. $300 a month I drive really far for. work okay we'll do 300 I don't know. car insurance is going to be uh 350 300.

350 something like 350 okay TP fund. anything else you need to survive makeup. Nails all that good stuff 100 bucks. groceries $300 use own me meal plan cook. twice a week Prep Prep Prep Prep Prep. Prep Prep Prep Prep I'm good at that. okay then do it cuz you spend more $. Nails huh $100 do your own Nails my. friends do their own nails and they look. fine I get acrylics huh I get acrylics. don't they do that it's like Jak don't. they do that that's what they do it's. like $100 minut where did they go can I. get they do it at home oh acrylics I.

don't think you know what acrylics are. are you guys going a man he is AC is. getting married to her oh and she well. you have to like learn do it that's like. a it's like an art oh we'll bring Jake. in and he'll fight you in the post show. okay okay okay and we'll come we'll. bring in our uh it's like $130 a month I. would say for nails you're not doing it. okay for sake you're taking out payday. loans I do your priorities. is there even a point in making this. budget there no yeah there there is I.

just that's the one thing that I didn't. medical healthc carees like that you got. co-pays what do you got medications $50. a month or a. week yeah four uh medical dental vision. and then I have well does that come out. of your paycheck first though no co-pay. like that. oh yeah no okay. Jim Jim is. uh yoga so $100 if I do it monthly but. like $12 if I do it every session but.

I've learned recently you can do less. cuz it's what do you how much to budget. dude please uh a month yes let's just do. 100 cuz I mean. okay probably just go cheaper but. whatever okay you have any pets yes what. a cat how much for the food uh $20 every. two weeks $40 okay you have pet. insurance no how old is the cap she's. like 10. oh okay we're probably not going to be. able to get pet insurance okay yeah. she's.

older or if you do it' be ridiculously. expensive yeah huh she she might be. eight I got her like she wasn't quite a. kitten but yeah okay I don't know. anything else that needs to be in your. budget that we have not put in there see. no I don't think so I apologize for any. garlic that's been flowing your way I. stress at croutons during lunch you're. okay I had peppers for breakfast and it. was like a was burping peppers on the. way in here buddy worried you'd smell it.

you got the damn thing your life is so. easy you don't understand if you just. budge like a adult you're being so dumb. with your money my dude my dude you have. an extra. $1,269 45 on a monthly basis right it. can be and is if you actually don't. around and spend all your stupid money. on stupid dumb. okay okay that's a lot of money.

okay so you're paying with the bonus. you're paying off the payday and then. you're immediately paying off Dave okay. and the close credit and the Quicksilver. and then you never think about them. again and that's the end of this month. okay cuz your life is simple and you've. chose to make it hard for no reason. emergencies pop up I do get that yeah. but come on this is so dumb your car 52. 69 with all that crazy interest yeah you. pay it off in four months so 5 months. from now the car is done this is so. stupid dude I can't believe you've done.

this to yourself student loans start. paying on them make it your and that's. including your budget by the way and. then made a monthly payment until they. pay it off okay stop being a dumb with. that then what takes you to survive. without your debt now is about 3,100. bucks times that by six so you need. about $118,600 in an emergency from. savings okay so that one takes a while. call that about a year of saving up a. year no it's going to be less than that. let's call it 9 18,000 yeah I don't.

think I've ever had that amount of money. no that's why your finances are yes you. need to do the basic minimum. requirements and that is a six-month. emergency fund needed to survive your. income's large but your living expenses. are also large because your income is. large and you've kind of inflated that. but you have enough left over okay let's. do the actual math so the 18,000 let's. times that by the now extra cuz your car. is paid off you have an extra uh $1,500. left on a monthly basis congratulations. yep that takes a year so a year and 5. months you have a fully fronted. emergency fund you're debt free except.

for your student loans it's perfectly. fine you're still not even 30 yet then. contribute 20% towards retirement on a. monthly yearly basis you can 50 30 20. 50% on your needs which you can easily. do with your income 30% on your wants. it's a lot of fun money it's a lot of. money to spend on fun a lot of clubing a. lot of drinking have fun good job. congratulations a lot of smoking Die. Young I don't smoke that much well your. bill does not reflect that but okay and. then also uh 20% to invest in and you.

will have a very successful retirement. and it's all chill and easy this is. stupid that you have this this is a. choice this is dumb I'm upset this. conversation a lot of it was alarming I. hope you follow this I want to do a. followup with you really soon I want to. do a followup with you in 5 months and. all that debt should be gone and if you. come back five months and I will push. you to come back if you come back and. that is not taken care of unless. something or emergency comes up that you. need to prove to me then I'm going to be. legitimately pissed spending a budget. you over spent zero out of 10 debt.

payday loan not paid on student loan 01. emergency fund nothing 01 how is your. retirement I don't I didn't have a. statement was your retirement um it was. okay I took out some for Co to move but. I what every time I need to turn it back. on I need to turn it back on it's not. even on not right now what's your. retirement at uh like 3,000 how does. this get worse one out of 10 real estate. 0o out of 10 Hammer Financial score0 out. of 10 guys comeing here on the post show.

we'll have Jake and her fight we'll also. bring up more information cuz they know. that her entire life we'll bring up more. drama that's where we get into all the. extra tea and stuff about their lives. maybe we'll go into this marriage. situation who knows it'll be fun make. sure to join it help support our Channel. join our live streams as well and make. sure to check out our investing debt and. budgeting course all all bundled. together at a 25% discount see yall in. the post show I was informed that you're. you're considering getting a second job. bottle service make quick money did you. and your boyfriend talk about this there.

is a little bit of like a friction there. I mean you should be telling him that. you're cheating on him shouldn't we have. a conversation about what is going on in. your life he just never asked you rely. on him to ask for you to tell him. something no exactly don't with that. come on to watch the post show join our. YouTube membership in the link in the. description below or at the pin comment. all right guys I get it you need more. financial audit so we've decided now in. our membership below you get two. exclusive seen nowhere else uncensored.

Financial audits every month again 384. came in from your job how much do you. think you spent how much did I make 384. you don't think you ever spent oh I. probably I guess I did yeah seven maybe. I don't know also three post shows a. week for every Financial audit you're. seeing right here on YouTube in the post. show we have an extra 20 minutes for. every single episode where we go into. more drama we can't find you on Facebook. did you block me on Facebook no M no way. you can join Hammer Pro where you get. every Financial audit post show for.

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though 2 weeks two weeks thanksgiving's. after that a couple weeks after her. birthday then Christmas is only a couple. weeks then New Year's and then MLK. Day wonderful human guys she's just not. wonderful wonderful human I do love her. she is a wonderful person I like like. her no she like she's a great person. she's a thing great person it's just she. every time. we know she's a good. person wonderful wonderful human but.

she's just so into me and she always. wants to h no wait a minute wait a. minute random but frequent private. streams with me throughout every week. monthly member Raffles for exclusive. merch and two exclusive uncensored. AdFree Financial audits every month and. then for those who only go top level. there's Hammer VIP which comes with. everything from Hammer Elite and Hammer. Pro Plus to thank you in the pin comment. of every public Financial audit episode. be an exclusive beta tester on our.

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