Failed Artist Acting Like A Child | Financial Audit

hi I'm Savannah I'm 25 I'm from Austin. Texas and this is financial. audit so what do you do here for living. in Austin so I work as a digital image. editor for a tech company dig okay very. cool and how much are we make it in that. so I'm making 3,600 a month and that's. after taxes that's your net 3600 yes. okay because I have. here said you work 70 this. is hold on so that's not happened here.

you brought in. 1,735 so that was like an exception. because I did take some time off took. like an extended lunch um to go to lunch. yeah to go to my roommates um white coat. ceremony so that was like so that lost. half your. pay yeah it's just you know I wanted to. be there to like support them and I was. like so you're gone for two weeks I was. that's your extended lunch no I was gone. for like I think it was like 2 hours.

instead of 30 minutes what the [ __ ] you. how do you lose half your pay from that. that doesn't make sense I you make 3600. after taxes you 3600 a month 1,800 a. paycheck. normally yeah but this was after working. almost 80 hours 76. hours oh that's what are you talking. about I'm talking about like two weeks. so that's like 80 hours a week is going. you do not work 80 hours a week do you. normally I work 80 hours a week just not. at that point that's why I had the 1735.

and then it's 1800 no this makes sense. sorry that makes sense so this is your. two we paycheck you don't work 80 hours. a week so this is your twoe paycheck so. that's not that different yeah. 1735 so in this. case. 3,470 is what you would have made this. month but usually it's closer to 3600. yes okay that makes more sense sorry no. it's all good I had a little disconnect. there I probably looked like a dummy but. that's okay no it's all good and it's. probably going to look something similar.

this month just because I did take time. off to go to the doctors so it'll. probably look similar to that too do not. have like paid no so we don't have any. pay time off um we have three days that. we can call out but we don't three days. per per year the it's a 12 Monon. contract the this is a contract yes. when's the 12 months done next month and. then what then what are you doing for a. living then I I'm currently applying the.

jobs the oh parttime so nothing's lined. up no I haven't gotten any call backs. and then even people who are trying to. come back to their contract they're not. getting any luck either great what were. you doing before this 12 months so I was. working well okay so I did last month. last year was kind of weird so it was. like I was working at a gallery while. doing part-time at school and then I. worked as an overnight stalker while I. was transitioning. transitioning okay yeah yeah trans. transitioning from the gallery to the.

new job that I have you have a degree. yes in and so I have two degrees I. graduated with Studio Art a BFA and then. a BS and radio television and film from. ET okay but that was back in 2020 okay. so then last year well okay so the end. of 2020 I guess 2022 um I went back to. school for a 6mon coding boot camp Oh. boot camps are good I mean I like. certifications stud course careers and. there's good boot camps around here. there's a lot of good things like that.

what would you do so I went for full. stack web development and I'm going. towards doing full front end web. development okay so you found that's. your passion or just that's the money. it's very competitive market right now. yeah that's the downside that when I. found out was like right on the end of. my coding beom Camp it was kind of like. oh well the Market's actually really. you're in a decent town for it but even. still it's like Yeah it's you're going. to be competing against a lot of other. people.

all. right so what is your financial. situation what what are we looking at. here today I would say it's pretty bad. so like oh okay so whenever I went to. college in the first like first time I. went to school um my parents they just. gave me like a credit card and like here. we don't want you to work um while. you're in school so we're just going to. give you a credit card and then you'll. be fine we'll help pay it off and so I. was like okay wait but the credit card. was under your name or theirs it was. under my name so they didn't give you a. credit card they convinced you to take.

out a credit card yes I guess but like. so it was me and my sibling um because. we're on one on one yeah so I have. one and it it was 300 starting off and. then it you were both on it someone was. an authorized user no they had their own. credit card so they both us so your. parents convince you both to open up. credit cards yes. okay so they were like yeah we want you. to build credit so here's a credit card.

and they said we're pay it off so we. just want yall to go to school so then. you'll be fine and even okay no offense. but this is not one credit card that. we're going through you also have like a. really stupid car debt did your parents. make you get really stupid car debt. not well okay so from that um. they pretty much had like no money so. they were just like here so well what.

does your parents having money have to. do with it it's your life you're an. adult well it's like do you blame your. parents for everything well right now. they're kind of like they didn't really. teach me anything about like come on no. one no one gets taught that in America I. mean if you're lucky you are but you. learn it yourself well they didn't even. teach you but if you're just if you're. just blaming people immediately like. what the that's just like deflection. ultimate right out of the gates well. like they didn't even tell us like I. didn't even know about the whole like oh. only have rent that's 30% of of your. income yeah me neither NE the vast.

majority of people last year yeah that's. that's how that happens but you're. blaming them now well because even right. now their situation is really crap and. who cares that's not. you like still though it's like oh my. all right okay well we'll get into. that now I know I Brandon gave us. interrogation lighting. today and they didn't even just do that. to me okay they also did it for like all.

my other siblings too so okay calm down. and then okay what well so I also have. student loan debt and I know we're going. to go through your debt their advice was. to just take out all the. loans like tuition any money they can. give me I accepted and I also did summer. school they you mean like student loan. providers yes so the government student. loans and they told that to me me my.

brother and then pretty much my other. siblings too like oh we don't have money. for college so just take out the loans. and we'll help you pay for it after. you're done with college and now that. those are back weird I would love to. hear their side of it though if they. would agree that that's exactly how that. transpired it I would say it's like not. their exact verse but definitely like. hey do the fasta do this and then we. will pay for it we will pay for they. took out the parent Plus loans and. they're like what about the ones you. took out they said they would pay for it.

they said don't worry about it now wait. till you graduate and then you can get a. job you'll be fine state of financial. literacy in this country. yeah all right give yourself a score 0. to 10 zero being the worst 10 being the. best where do you think you are finances. um. one I'm I'm going to say one okay well. that's fair enough if you want your. Hammer Financial score it's free in the. description below this is a high.

P ladies and gentlemen this is a pile. yeah PayPal credit PayPal credit I've. had I've had it's it's weird to call. this fun but I've had fun with PayPal. credit because it's like a good way to. 0% finance things and like finesse the. system and you. know that's not how you're doing it no. what did you do on this so I actually. accidentally signed up for it um so I. was buying a camera on eBay and it was.

like oh Finance it if you do like the. PayPal credit and I was like okay great. so I applied and then I didn't hear. anything back from it and then it was. like oh well here's. $300 that you can get and I was like. okay that's kind of weird but then I. couldn't have access to it so then I. applied again and then it got me the. PayPal credit so I actually have two. PayPal accounts the PayPal card and the. PayPal credit and they said you could. get 300 for it that one the original. balance of the credit I think was like. 1,500.

yes the limit is500 you have. $1,238 with $344 of interest acing and a. minimum monthly payment of $42 yeah but. when you got the product how are you how. are you expecting to pay for the product. in the first place eBay product I was. going to like pay it the minimum monthly. and no no no no no you said you. accidentally got approved yes if you. didn't get approved how are you going to. pay for it I was just not going to get.

it cuz then I didn't have the money for. it so you applied to buy it and you. thought that's not an accident though. you applied for it you applied for the. credit that's not an accident you just. got approved well I mean like if they. approve it then that's great then I'll. be like okay then I can use that and. then what happened that's not an. accident you applied for it I didn't. understand what the two separate. accounts were I thought they were the. same account you shouldn't apply for. anything that you don't understand.

okay no I mean yes I I agree with that I. think at that time I was like oh well. you know it's fine cuz then then I have. an extra credit card so then if I need. that for emergencies I'll just leave it. alone which that didn't. happen so I'm guessing I mean just from. the sounds of it now I some of the. things that you said okay correct like. if if they said go I mean they're your. parents they're who you listen to. they're just go take all the. yeah that's that's um now some of the.

deflection that you're like oh but they. didn't teach me and all this stuff like. that's it's like okay come on no one. else gets taught that and like they. didn't convince you to build your. balances on the credit. cards but I'm assuming through the lack. of knowledge from them lack of knowledge. to you have you ever heard of this. little fancy thing known as an emergency. fund no actually okay so credit cards uh. They Don't Really cover they're not. really good for emergencies because they.

accumulate. interest you'll never beat it with your. Investments really unless you have some. weird. unicorn we have an emergency fund to. cover those expenses but if you do have. to put it on a credit card which. sometimes that does happen in situations. where people do not have a fully funded. emergency fund yet then you cut down on. everything you cut down on absolutely. everything everything everything. everything until you pay off that debt. and then build up the fully funded. emergency. fund you're just sitting there like. today let's talk real quick about one of.

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money back guarantee and you can cancel. anytime seriously don't wait apply now. at meat fabric.com. cbme fabric.com calb thanks again to. fabric for sponsoring this episode well. so I TR I thought about like saving up. money like having some kind of savings. account but when I brought it up in. conversation like oh should I be saving. for my retirement all my parents well. your we've learned that your parents are. stupid when it comes to finances so why. even talk to them cuz they were kind of. like the only like adult I guess I felt.

like I could yeah but obviously not. financially now I'm like now now now. okay how long did it take you to learn. that six years seven years six months. that I'm like okay so when you were. going into all the student loan debt you. didn't realize that was bad until just. recently yes when they started asking. for like student loans to start paying. now now it's actually like I have to. start cuz then now they're saying oh. well we can't pay the Parent PLUS Loan. we need you to pay this thing you bought. eBay once you realize even if it was an.

accident even though that's not how it. works why don't you just sell. it because I really like the camera and. it was so you wanted it so you would. have gotten anyway with that okay so it. wasn't an accident cuz if it was an. accident what I do is whoopsie it's uh. an accident let me get rid of it and. then pay off the debt that's what I do. when an accident. happens yeah but like it was a really. good camera and okay well that's you. know but then it wasn't an accident you. would solve it also you just can you. afford this. I can kind of afford SP alerts late.

payments coming can you afford. this I guess with the late payments no. no and the account is closed so I. actually can't use the account anymore. good why is it closed cuz I couldn't pay. it so then I had to catch up with the. late fees and late payments and so they. closed the account so I can't use it. anymore you have a Disney card how the. why the do you have a Disney card so. ironically it we were at Disney and they. were offering a promotion will give you.

I think it was like at the time like. $500 if you sign up for a Disney card. and you get approved and I was like oh. that seems like a good idea if we go to. Disney so I signed up and then they. approved it and if you spend a certain. amount you'll get that money back so. then I spent it for another Disney. vacation to get the rewards dollars and. at that time my parents were also like. oh well we'll help you pay it. back and this thing would they would I'm. just I just need you to know would they. agree would they agree if I called them.

right now would they say yes that's what. we said we said we will pay back all of. her little debts if she take us out the. debts they' probably say yes. butt but but they'll probably like oh. well she's an adult she can pay it well. I mean yeah no and you took it out it. was still your responsibility but of. course I mean there could be some. manipulation behind it if they said they. would pay for it and they really tried. to convince you to get it but they would. agree with. that I mean now they probably.

would. probably I mean yeah they're just kind. of like no we you it's your debt you. take care of it yeah but would they. agree that they convinced you to take it. out and saying they' pay for. it well my mom was there when I signed. up for the card and she was like okay. yeah just do this and it'll be fine and. I was like okay that's different than. saying she'll pay for it saying it'll be. fine is different than I will pay for. this well for a bits they were kind of. helping me pay for it.

no no did they say they would pay for. it they didn't say those exact. [Music]. words. the why say that then why I mean that's. just like an immediate just like you're. just trying to like you're [ __ ]. don't [ __ ] okay on the Disney card. the special little Disney princess card. limit $3,000 but we're over that by $512.

great oh what it's at its it's at its. limit why are you purchasing $. 37421 if it's AC crewing $53 and you're. only making the minimum monthly payment. and it's at a limit now it's above the. limit because of the interest rate why. are you possibly purchasing $374. 21 I kind ofuse so you get rewards. dollars if you use it for groceries yeah. but why are you putting that on a card. that is at the. limit because I don't have money so then. when I pay the card and if that's the.

money I have then my. dude I have this fresh little document. here [ __ ] with 7% of your spending. going out I don't have. money I don't have. money I don't have money is that what. you said miscellaneous bull things that. do not improve or benefit your life in. any way whatsoever 14.7% of your. spending I don't have.

money that is a choice you're spending. it all. dude what's the balance of this from. from or is it just these $374 of. purchases also what are you talking. about what are you talking about you. went to the AL Elmo Draft House Living. Tombstone Chick-fil-A Alliance event. this isn't I don't have money this is. you spend it on a bull the are you. talking about lying to me like that come. on I forgot that I did use it to buy.

tickets to a concert cuz they had. pre-sale prices how do you think you can. afford to go to a concert if you have. late payments on other things that are. coming I would just pay it but you can't. afford and then you went out to eat. twice what's that little smirk no it's. just you know like I did forget that I. used it and it wasn't until have you. ever budgeted in your life I tried I had. like a spreadsheet of like what needs to. be paid and when and then when I. calculated it it was negative and how'd.

that go I stopped doing it why because I. didn't have money for food or gas why. don't you care I do care cuz someone who. cares would continue it and try to. figure out a way someone who cares would. pick up a part-time job if they don't. have the money which by the way again. what was it minimum 25% of your spending. went to [ __ ] so last year A lot. happened and that's kind of why I. haven't gotten a parttime what happened. so one I'm moved um I did make a bad.

choice on that everyone moves okay so. what so I ended up taking up an. apartment with 1,700. rent um you're in a 1700 rent place not. right now I moved out okay but that's. after paying the lease break which was a. whole month's rent on top of the month's. rent yeah um so I was there for 3 months. and then my cat that I had she got sick. so I had to take her to the vet you. didn't have pet insurance I did not have. pen Insurance cuz get pen Insurance when. I did they didn't cover anything cuz it. was per her pre-existing conditions she.

was. 16 um so each vet visit was like 275 and. then the third I went I had to put her. down so that was another like 200 to. create her um why'd you move into a. 1700 because I didn't have any money to. move anywhere else what wait what do you. mean that doesn't make sense so I didn't. have money for security deposit and my. credit score. tank and what are you saying you were. already there yeah it was really bad.

last year like early last year cuz I. wasn't able to work fulltime because I. was no no no what was the it was 7 what. was it before it was 1100 I was sharing. it with my brother so it was like split. it was like and was he staying there or. did he move out and that's how. the so you were covering the double his. portion well I moved from a two-bedroom. to a one-bedroom and that one bedroom. was 1,700 so you did move which just not. complexes I used so I kind of if you. couldn't no offense but if you couldn't.

scrap together enough for a security. deposit how how how do you think you. could afford $600 more a month in rent I. just started my new job and I was just. trying to scrape by um so but if you're. trying to scrape by it does $600 a month. more like I I'm not even saying put. things on credit cards but I would put a. security deposit on a credit card at. that point it would save money and. that's still a terrible idea but it's a. better idea than what you did okay. either way you broke the lease what's. what's your rent now. right now I only pay $8.90 um for the so.

it's more like okay what should be. around um and then I pay about $7 to. util utilities yeah and I split it with. my roommate or split so that's only my. portion so the total I think is. like it like 1,700 70 a month um between. like for both of us for. two-bedroom we'll teach you how to. budget I'm going to create a budget for. you and we're going to go through things. but you're going to go through our. budgeting class we're putting put you. through it for.

free I'll teach you everything you need. to know about budgeting and you'll stick. to a budget there okay so what do we got. going on here Dentistry mhm this is what. you owe 200 yes so okay yeah that's a B. I got cuz my insurance wasn't going to. cover the X-ray um I was having a lot of. teeth pain so they needed to do an x-ray. for girl shall we one more time going. out to eat $345 extra bll $725 why did. you not pay this $200 that you oh what. the are you doing you're.

around you're just being irresponsible. you're not 25 you're 15 well cuz I'm. like I'm not sure if I want to I wasn't. sure what to do about that what what do. you mean you pay it what what what do. you mean well cuz it's like if I make a. payment to the card but then the. interest takes out the payment of the. card what are you talking about you just. pay this. off it's. $200 and you spent $900 on what are you. talking. about yeah I was just trying to figure. out how I'm going to pay that cuz I also. got you just pay it all your money went.

what do you mean you're just trying to. figure it out I want to understand that. logic a little better so I can. understand what you're talking about. well cuz I'm worried that if I pay it. then that money that I paid it could. have paid something else but you didn't. you it went out to eat it went out to. eat I didn't go to paying other things. what the are you talking about well I I. was thinking when I get paid this week. that I was going to call and then talk. about paying partial why didn't you last. partial why why you have them. money if you come back you're spending.

on other things why is paying your bills. not important to you as a person as a. human as an adult plan on it no you. could have why haven't you why aren't. you being mature cuz I'm like yeah it's. no no know why why did you actively. choose not to pay this don't tell me. because you're trying to figure it out I. want to know why you had this bill and. you chose to ignore it when you went and. spent your money on [ __ ] that we. haven't got got to yet I just have a l. of other bills that I don't.

think listen to the second part of my. question where instead you went and. spended on [ __ ] we haven't gotten to. yet so why did you not pay this off. instead of going to those things I. didn't have the money like I am I are my. words just like not flowing to that side. of the table like all of them are only. half of them making.

it why did you not pay this instead of. instead of instead of the other $900 you. spent on bull the instead of is the key. part didn't have money but you went and. spent it on that stuff so why did they. go to that stuff instead of. this I don't know. okay. okay if you need get yelled at go to.

kale hammer.com casting because this. world needs. to I know there's more people out. there SL apply I'm sorry k.com. apply. okay yeah I might need a breather oh. especially after this now for what it's. worth I had some Sally Mayon when I was. being a dumb and I didn't understand. anything about finances this was the. exact conversation I needed to have. hopefully I would have been able to they. answer that last question but who.

knows but you have Sal you went to that. that. Sally she's kind of. a yeah not the biggest fan of this this. miss Sally Sally May we owe $1. 17,120 71 so when you when you said your. parents told you to take out debt did. they also say. private debt so that one was my choice.

yeah oh we've taken responsibility this. is interesting cuz I decided to go back. to school and that's where I got the. coding boot camp certificate this yes. this was the cost of a coding boot camp. yes through who through ut oh that's an. expensive one yeah it's a looked at that. one before it's a good one but it's oh. it's expensive yeah and so I was looking. for a career change cuz I wasn't really. making a whole lot of money and that's. why noticed that like my bills I was.

falling behind so well that's cuz of. you're spending dude that's cuz you're. spending you're trust me you in your. situation more income is not going to. solve your problems you're just going to. inflate your Lifestyles rying that I. would love you to work in this field if. this is what you want to do but that's. not what solves it it's not what solves. your problem yeah I would say it's a. combination of last year cuz other stuff. happens and then trying to adjust cat. and then well also my car what happened. the car that I have here it's it was a. different car that I was done paying off.

yeah so I only had $50 left to pay and. then the hail storm hit Austin in. September yeah and you had Insurance yes. so it totaled the car and you had. insurance I did have insurance so I did. have the insurance to make a down. payment on the car that I have now but. my credit score was tanked and I didn't. have anyone I didn't know anyone that. had to get credit what was the down. payment you got I got 8,500 Oh Me Oh My. Gosh when we get to this car knowing. that that makes it even worse yeah oh. stay tuned for that ladies and gentlemen.

if you like car loans that make you. shiver and wither up and die yeah and. then I also but you're planning to work. part-time you said at the end of this. I'm looking for a full-time job so I've. been applying to fulltime jobs but in. the meantime what jobs are you applying. to so I'm looking for um full stack. development jobs but also like frontend. web development jobs and then I also. recently applied to a QA tester job you. open to doing any kind of internships or. anything like that as well getting foot.

in the door because the Market's a bit. harder right now yeah and that's what I. was looking at too whether or not that's. something I could do because I did see a. lot of like oh well you need six to. eight years experience or you need to be. in a computer science degree I mean. obviously they want the best of the best. candidates and there is an over supply. of people in this field right now just. depending just for where the job market. is if you had a lot of experience in top. talent and AI That's where people are. shoving out money right now but that's. again that's for the people at the top. of that game it's been really. interesting to follow that market um and.

I am going to start applying I've been. mainly applying to jobs that are here in. Austin but I'm going to start looking. elsewhere and see if you might have to. go more for smaller companies that have. you know. lower pay available so like people with. that large amount of experience might. not accept the job but it allows you to. build experience in a resume and that's. kind of why I'm here too is like to. figure out. what like with the amount of Deb I have. what. can I manage or if I just need to shut.

everything down and then and you said. you've been applying for part-time jobs. yes what so Chick-fil-A Alma Draft House. since I've gone how have you not gotten. Chick-fil-A I I I haven't heard yet I. got some grilled nuggies CU I'm losing. weight guys I'm down like three lbs and. they have good food and I got some. grilled nuggies yesterday and uh so a. bunch of bunch of twinks and twins like. it's just. like unless they're only looking for. twinks and twins I don't see how you're. not getting yeah I haven't heard back.

when did you apply I applied to. specifically Chick-fil-A like last this. last weekend so very recent well that's. three days ago so that's not okay well. that doesn't shock me then yeah I mean. apply for everything like that um. obviously that's not where we're hoping. to stay but you do cuz you said when. does this end again it my last day is on. the 31st oh this my last paycheck's on. the 5ifth okay um and. so yeah oh yeah cuz we'll need some. income to replace yeah h a good question.

and I've looked to if you could look. this up for me if you're on a contract. position you don't qualify for. unemployment do you because it has a. known end so I've heard but the most I. could get would be like 5 512 I think. per week and that's according to someone. that I know that just finished up their. contract and the contract requires 3. months break and there's no guarantee. they can hire me back thees Sally my for. the boot camp m $248 a month and it's a.

almost 14% just rate of and that one is. automatic payment so I haven't been late. on that I've been making the payments. because it kind of goes through yeah. until you're negative in a checking. account another spoiler. alert is this just insurance or is this. a Deb to insurance that is my. insurance and it went up 20 bucks I. think this year personal one hope yeah. this is the car that is not the car this. is not the car oh that's right that's.

right the car is coming yeah okay a. 32.2% personal on worse than a credit. card yeah worse than like bad credit. cards of. $5,799 Are We blaming this on the. parents again or what the going on here. that was me a few years ago struggling. to try and make it on my own and they. sent a check in the mail and I was. trying to pay rent oh no it thought was. a good idea oh no it was oh it was one. of those those loan checks yeah oh F I.

obviously they they wouldn't exist. people didn't take them off but I've. never I don't think I've ever met anyone. who actually took it out that's that's. wild yeah that's wild and instead of. working more I did work two jobs at a. time how many hours I was working 50. hours but again it's like low paying. jobs that but I mean if we're just. trying to survive again and I bet you're. spending to not help yeah I was I mean. come on but I don't have access to the. documents then so I don't know for sure. but and then it was a lot of like I'd.

rather. work 50 to 60 hours then instead of. taking out a. 32.2% interest rate of death cuz this. thing just is going to take forever to. pay off. $5,799 15 oh that was the original thank. thank you this forever no it's still bad. it's $3,000 what are you talking about. yeah so bad had the thing of like oh. well if you apply for more they would. just hold off on you money so that's. kind of why that bounce had grown to.

that bad was because I could how many. times did you do that did once and it. was because it was towards the holiday. you addicted to thatt $130 minim monthly. payment this is we're making little. progress here right yeah so 44 month. loan okay listen personal finance is. hard and I struggled with it for a long. time until I personally educated myself. we decided to create resources that can. actually help people at an affordable. price so if you want to learn how to. budget we have the best budgeting.

program in the history of the internet. but if education and quizzes and. resources like that are not what you're. looking for we also have a unique. coaching program with a licensed. professional who you can sit down with. cheaper than anywhere else we made these. resources for you so you can change your. life around and have the best financial. future possible they're at the top of. the description below I highly encourage. checking them out on the I will say on. the bright side oh there's a bright side. of this somehow um because of how much. debt I have and how much my credits.

score taint I can't I'm not qualified to. be financed for anything oh good yeah. that's all right yeah celebrate I can't. even if I wanted to oh PayPal part two. this is classic PayPal yeah and that one. I've been debating if I should just pay. it off now or just like try again again. a again you could have paid this $291. and the other medical bill you could. have paid that instead of like globing. down. food I to eat.

yeah so is the answer you don't know why. you didn't pay cuz you're considering. this so youve considered it but you. actively chose not to then yes but that. one I've actually been trying to I was. close to paying it off and then dude you. put $21.65 of purchase on there so with. that that was last one and the month. before I was actually higher but then I. forgot my debit C at the grocery store. and I was running.

line you don't just have the same wallet. with you. everywhere I do it's just sometimes my. cards end up in my pocket in my dirty. laundry or buried somewhere interest. fees $34.75 of fees. what oh is it a late fee oh it was a. late fee yeah we're having late fees are. we going out to eat are we getting. concert tickets on that card no the. answer is no what you say is no is the.

answer okay no proud of you you made it. this wasn't going to the grocery store. again you me I believed you cuz you're a. human being sitting across from me so I. believed you. patreon. $21.65 patreon better be subscribing to. our post show if you're no but that's. only $5 a month so I don't know what the. I. actually didn't know that was attached. to the card I thought it was attached to. my debit card does it matter either way.

you can't afford your L fees yeah I just. thought what is a $20 a month. patreon so it's a patreon that has like. translated novels on it and they update. every day with like chapters and I've. been I'm a big reader okay you can't. afford it go to the library. congratulations we have a nice one. here I've been there it's good it's. pretty nice it's just the travel oh no.

roads you pay a lot for your car use. it oh Care. Credit yeah and that one I used to cover. my cat's bills when I I had the cat. insurance and that's when I found out. they weren't going to cover anything but. that's also when I found out she had a. heart defect she alive she's dead I'm. sorry that. sucks pets are the best cats dogs love. them all and I had her for 16 years so. that's really.

hard dude we have fees again we can't be. having fees even in a sad moment we. can't be having fees he need a tissue if. you want I know I'd be sad I couldn't. know I like it's like the worst day ever. losing what's essentially like a. sibling $. 7475 on here interest charging. $17.3 fees $122. mhm and minimum payment of.

$30 great and I did catch up on that one. cuz that one was always. overdrafted and it did reduce the. original bount so originally it was. 1,200 and then as I've been paying it. off they've been reducing the balance. you may qualify for our employment High. it depends on the details Capital One we. continue we're on uh 1 two three four. five six seven now nine nine debt yes 25. years old Capital One was my.

fault okay go on I used to work at a. craft store and it had deals and that. was when I deals that was when I first. moved into a better apartment than where. I was living at before you know it's a. bad deal 30% interest and then I kind of. just used that to help pay for rent or. for at the time decorations. and furniture. and things for my.

apartment $48 of Interest the limits of. 2,000 we at. $1,946 58 with a six $68 minum mon. payment okay 30% interest I'm working on. paying that one off I I think we have. different definitions of working Apple. because you have every card you have. every card own to mankind. $1,213 76.

with a $40 minimum Mony. payment the balance has only gone up so. that's. great interest $27. 82 27.24 per. interest. okay what was that so that one was to. finance my iPad which I do use iPad I do. this is the most iPad's ever been really. I swear most people buy an iPad and then. it sits on a table uncharged for the. remain if it's life no I did to read to. watch TV to draw on all the works you.

don't have a computer you don't have uh. my I used to have a Macbook but that. died and I didn't have money for a new. Macbook it works it works watching TV I. mean I'd get a Kindle for like a couple. hundred bucks right to I do have a. Kindle this is $1,000 yes ,23 you could. got like a $300 Kindle. right I guess I could you just wanted. something nice and you went to debt for. it come on I okay I do it's just I was.

also looking for procreate too because. it has procreate and that was that's an. art program uh-huh and that was the main. reason why I got the iPad a want yes. yeah F how does it get bigger this is. the biggest one besides the S Okay Wells. Fargo that was from that original credit. card from a long time ago that just got. worse the 300 it started at 300 and went. to 4,000. 9235 yes I did close that account close.

all the accounts you're not a credit. card person use the Fizz card if you're. going to use a card to build credit you. are not a credit card person you need to. close all these accounts chop up the. cards you cannot have access to these. you just can't you're irresponsible you. you can't you have no capability of. managing this by any means you you're. probably great at many aspects of life. this you're not and that's okay admit it. admit your flaws and fix them cut it. don't allow yourself to.

be but that one actually what's the. limit on this that one originally was. 5,500 but since it's closed I've just. been reducing it cuz it just built. interest cuz the minimum payment was. like 150 and so right now the interest. is at 1% for 12 months oh for 12 months. when does the 12 months end I think. August of this. year that's basically coming up right. around the corner yeah and and we're. still $. 4,923 $992 of in uh is your minimum.

monthly payment. yeah yeah and they were trying not to. get me to close it but I was like no I'm. not paying this yeah close it Capital. One car vroom vroom that is the car zoom. zoom what did you get what's the car. it's a 2015 CRV Honda at. 16, 63462. MH with a minimum monthly payment of. $441. in your situation you have no job coming.

up here soon that's scary yeah oh I know. I remember the interest rate being bad. what is it cuz it's not 18% are. you yeah well that's that's and it's. over five years um so and you put how. much down on it again I put. 6,500 cuz the other okay you put 6,500. down on this car you owe $1. 16,634 on it yeah uh an 18% interest but. it's only worth $10,000 by the way yeah.

I was looking for a car that was sturdy. cuz sturdy yeah cuz girl you're not like. my 600 lb life or something what what do. you need sturdy for what are you what. are you hauling around sturdy you just. need sedan to get you from A to B safely. for a few years sturdy what sturdy were. you looking for sturdy I was looking for. a car that wasn't going to break down in. like that doesn't mean having to get a. Honda. CRV at a terrible deal terrible interest. rate so another thing is that because it.

was around the time when all the hail. storms hit it was hard hail storms every. I've been here five and a half years. when was this so this was September so. this is when like all of Round Rock. dealerships their cars got crushed I. remember that yeah um and so I was. looking at different options and like. the dealership that I went to they. didn't have a whole lot of cars and so I. was one of the cars that they had I was. like there dealerships all over town not. just in Round Rock So South Austin there. in Central Austin there in West aus in. South Austin okay go to Central Austin.

go to West Austin yeah yeah I didn't. find any cars how long did you how long. did you look for a car for a few weeks. ding ding ding there it is I mean just a. few weeks like in a tough car market. especially when some of the cars get. destroyed from a hail storm you're like. I don't think you're patient enough you. also probably you wanted to get. something nicer than you could. have I wanted something that wasn't. banged up on the outside like I yeah I. get that I get the want but did it could. you did it make sense though cuz first.

of all you only see it when you're. outside of the car it's like as long as. there's not internal damage I'm just I'm. just trying to get you to survive I want. you to have the car that you want but. just. like you've with where the balance is. and with where the down payment is you. know like your position is like you've. lost 50% of your money on this car. yeah yeah I definitely was trying to get. a car in a hurry for sure um you okay.

yeah sorry it's okay it's a lot dude. that's the point of this conversation. getting called out on the the very first. time everyone thinks they're living the. good life everyone thinks they're doing. okay things aren't that bad you're. getting called out on it this is the. wakeup call that is. critical for the people that are coming. on the show and it's a lot and I think. the freshening part was that it was so. close to picking up my old car yeah and.

I was so excited to have that extra. money but even with the insurance man if. we just looked at a $10,000 beater that. AC may have sucked it may have been. dinged up on the outside may not have. even been the most comfortable but would. have gotten you from A to B for a few. years to come safely mhm you could have. put you could have done you could have. put half down with the insurance money. you just you went with a $20,000. car yeah I thought it was a at the time. I thought it was a better option than.

getting a new car that would have cost a. lot more cuz even my sister around that. time she also got a new car and that. was like that was bad too for her so I. was just trying not. to I don't know I was just trying to. find something safe I get. it at least Hondas they last a while and. that that is it's like I. mean it's not like yes cars get safer.

every year but it's not like magically a. car from 10 years ago is going to kill. you the moment you step inside of it you. know it's like I that's that's one of. the things that American consumers when. it comes to buying cars and want to. justify over spending immediately tell. themselves to justify things it's the. safety it's the safety yeah it they. weren't death traps 10 years ago you. know. yeah this one's 9 years old so you you. know that yeah um and don't get me wrong.

when you're getting it the car market. was harder than it is today and it's. still pretty yeah but I know you could. have gotten something. $10,000 it's the old version of the Dave. Ramsey $2,000 car is 10,000. today yeah so definitely yeah I kind of. I was definitely in a rush for that but. you still would have saved more money in. the long term searching out the looking. process for two months in ubering during. that time like you would have saved more. money. federal student loans yeah highest one.

at. 5.05% I did sign up for the IDR for that. um and that's kind of what reduced the. original balance which would have been. like 200 something a month but it's. still like what is it now it's like. 109 a. month okay we owe 30. 32,1. 19042 MH. at $19 a month I guess yeah now what is.

this so that one's also a UT loan um. this is different yeah so it's labeled. under a different loan I'm so confused. it's only $929 but you have a late fee. yeah pass through $40 what are you. doing so that one come on dude I mean. this is just basic yeah that one's going. to be along with the other ones of. I'm trying to pay but by the time I.

could no you're not you're not trying to. pay again $900 you're not trying to pay. so I'm not I'm I'm sorry I'm not going. to allow you. to Bull yourself cuz you are not trying. I'm sure if you put the effort I'm sure. there are so many things that you try at. that you actually kill at you know maybe. on the art side and stuff you absolutely. kill at that when you try you know what. trying looks like and what you've done. here is not. trying correct. yes come on I I'll say yes I want you to. be real with yourself cuz if you put.

real effort into managing your finances. and budgeting real trying you would not. have a $40 Mis. payment oh my. gosh really Goose yeah oh so you didn't. even pay for breaking the lease you. still owe $800 yeah oh every every death. that just stumbles in your life you're. just. like that's yeah yo $1 to your parents. yes. for we're going to go on a cruise next.

month Oh no you're not no you're not no. you're not my dad pay for the tickets. and he's like yeah you can just pay me. back so that's not your dad paying for. the tickets that's not your dad paying. for the tickets that's you borrowing. money from your dad yeah and yeah so. it's so you're not in a salary position. with like paid time off you're not in a. part-time job that offer paid time off. on this Cruise you're just not going to. be working you're not going to be making. any kind of income girl you can't afford. to on this Cruise that's why I'm trying. to at least hurry up and get a part-time.

job starting next week if I can how. long's the cruise it's the I think it's. 13th to the 17th so it's like from a th. Cruise okay that's probably wrong it's a. Thursday to a Wednesday but on starts on. the 13 six day cruise yeah you can't. afford to have a week off of work so I'm. just going to. be working try to work as much as I can. get back on I sign up for Uber Eats so. I'm going to try to work on on driving. for that cuz door Dash wasn't making any. money money owed to a friend yes for.

what. $200 so she so kind of Pet Portraits on. the side and so she had yes okay but. that hasn't been making any money cuz. people weren't I mean I also I'm. terrible at marketing myself so I have. someone else marketing for me and that. hasn't gone well um so she had placed an. order and then she's like well actually. don't have the animal anymore for her. situation so she's like how do you owe.

$200 so friend she paid in advance even. though I did not want to accept it she. was like no I just want to pay it so I. can get out of the way so she sent me. the money oh so it's like a refund yes. good yeah is that it that should be the. it of the credit card debt yes of all. debt of all thatb I did get in the. mail debt for the doctors oh person your. doctor yes originally even after they.

said they were going to charge it as a. physical so the bank the interest. physical yes and they still charge me do. you have insurance I do they didn't do. the blood how much for the lab. $69 and then I had to go back to the. labs because oh what's what's o total. please right now it's like. $99 when didd you get that in the mail I. got that a couple days ago. also with this lighting and whatever we.

do on it we're we think it we're just. experimenting is it like more. interesting is it more dramatic let us. know what you think in the comments. below or scary or. anything okay when did you get that in. the mail I got it a couple days ago so. like today's Wednesday that's fine that. you haven't paid that yet yeah yeah I. just got it and I did pay the last. co-pay so Noah loves the new lighting he. just told me but we know comment. sections Love Changes so. oh negative $27 47 in the checking.

account somehow continues to get to. worse yeah so for that account I put a. part of my paycheck too cuz why what the. why do you have so many different. accounts by the way. and why are we going we're we're paying. to park there we're getting Raising. Canes there we're selling out $200 we're. uh getting going in and getting some. [ __ ] gas station chiple Donuts an. apple bill of two 756 some inet purchase. probably Golden Chick another inet.

purchase. $648 zalen out 77 Zeal out 12 PayPal and. out 13 an apple Bill 600 uh or. $648 more patreon more patreon $21.65 so. that's the one that I would have been on. there but I paid through did I think you. subscrib twice that's I'm going to have. to check on that CU that's and then a. monthly service you $12 and you're. negative so we're going out to eat we're. patreon doing and we're doing all the. stuff but we're negative yeah we're. negative does it make do we go the. Golden Chick when we don't have.

money no no no no do we go to Golden. Chicken we don't have money not if. there's no money. no but then if it's like I'm hungry and. shut the they have good prices no good. prices you know what has good prices you. know who has good prices a loaf of bread. has good prices loaf of bread has good. prices little pickets and meat have good. prices little to cheese have good prices. mayonnaise has good prices combine them.

together call a sandwich invent that. it's brand new it's really cool those. have low prices F off that will forever. piss me off I'm sorry it's not a it's. it's yeah oh oh oh we only have $5 in. checking account guys so what should we. do what what should we do what should we. do with $5 what should we. do what should we do not spend it oh no. I think we should go to Uber Eats I. think we should also go to Uber Eats and. then we're going to get Uber Eats again. yeah oh that's interesting oh we may as.

well go to Uber Eats again and then go. to Uber Eats and then get Uber Eats huh. that's that's curious we're going to go. somewhere and we're going to pay for. parking then we're going to get Raising. Canes then we're going to go to House of. Capell go to a gas station get some go. to the gas station get some [ __ ]. PayPal 50 bucks get it some mov getting. some. boats PayPal in out $303. say water gas Chick-fil-A gas no there.

was some like $4 purchases you getting. $4 of gas okay that was the one time. where I had a water I well. no when you go to bies and you spend $12. what's that that was food and. interesting yeah don't PLL me. waterburger Chick-fil-A. jewelry why Uber Eats and then TOS just. don't I know you don't you don't have I. know I know what part of town you live. in you do not need to take to to live. take the slower highway it's okay why do.

we have so many different checking. accounts just have one checkin account. so you can at least manage it when you. go through a budgeting program I'm. excited for you to learn things yeah. that one I'm probably going to close cuz. originally I opened up cuz they had a. good savings that acred yearly but so we. have a dollar I haven't yeah it just I. wasn't managing it so oh no no no I did. say the. $495 house of. capity what why is that so much money so. that $500 negative money but we went and.

spent $500 on one that was a spurge so. it's a salon um so that's kind of why I. have the bleaching her hair what my hair. is bleached so it has like that's worth. negative money that's worth Mis payments. on debts I was putting money aside to. help pay for it and then cuz it was. something that I wanted to do and I've. been wanting to do for a while and it's. a one time thing so I'm not going to. spend that money uh you're right for a.

while it was one time and you are. negative in missing payments would you. do it again today if you did not do it. already no why you say that because I'm. like I really need. money uh but so I had set the money. aside and I was saving it aside so then. I can use it for something for myself. and that was what I put that money on. and I was like yeah you know I should be. fine if I as long as I pay the minimums. and stuff but eventually I was going to.

do it I just decided to do it sooner. while I can we call your parents in the. post show you can I can yeah okay we'll. call your parents in the post. show I'm sure they're loving this for. sure I was like I want to be on the show. and they're like okay you sure and I'm. like. yeah but I don't think they know it's as. bad at the beginning yeah you're blaming. this all on your parents but with the. spending categories again minimum.

about minimum 35% was spent on probably. closer to 45% and then we have 1 2 3 4 5. 6 7 8 9 10 11 12 13 14 15 16 17. individual. deaths and that was your parents. fault they didn't help like no why why. why why why should they you're an adult. why should they is it their fault or is. it your fault regardless of help whose.

fault is it I didn't learn anything uh. of like how to manage my finances okay. that's going to piss me off I don't even. want to make a budget with that if. you're just going to deflect and you're. not going to take any responsibility. then what are you even going to do what. are you even going to do going forward. what are you even going to do well right. if you can't even take a. responsibility if I make a budget if we. put you through the budgeting class what. are you even going to do you can't take.

responsibility you blame everything on. everyone else so how the are you going. to manage it in the future how how are. you how are you going to do what's. necessary if you can't even take. responsibility for the past cuz I don't. I don't want to end up like them so. right now also you said they've given. you money in the past you said that. earlier so they have helped so what are. you talking about they haven't sorry. continue no it's fine um so now they're. in a really bad position and I think. they're so they don't have retirement.

anymore um how much do you have in. retirement I don't have anything you. don't have a single scent mm buty if we. can like find an objective for you to. hit like maybe I'll maybe I. can maybe I'll fund like your first Mumu. account or something it's a good. investing platform that I. is we need to figure out like a goal for. you to hit but again man like your. parents retirement your parents. financial situation I don't I don't get.

why that means you are in what was it 15. individual debts that that that is not. correlating unless all that money was. taken out to support them which it. wasn't we've been through what it was so. why the are you deflecting and talking. about. that so right now is kind of. where I'm trying to figure out what to. do at this point um firstep take. responsibility you know back like in my. early years I was just a young piece of.

sh doing dumb first thing I had to do to. turn my life around was take. responsibility admit what I've done was. wrong and work to improve my life and. not make the same mistakes again if you. can't take. responsibility the future is just not. there yeah I'm you know I I don't know I. keep thinking about the worst case. scenario what bankruptcy yeah that'd be.

really tough to go through a 25 but. especially with my car too I think. that's what's kind of stopping me from. going that route because you have. $12,000. $27,000 oh. 152,000. $2,027 in bad debt that is a number that. just shouldn't even be.

considered as a number for someone in. your age that's like you having a. mortgage or something yall got to use my. favorite high yield savings account. where you can get up to 4.6% on your. money plus FDIC Insurance up to $2. million you can also get up to $300 for. signing up today it's the personal high. yield savings account that I use for my. money so don't let your money be losing. money while it's just sitting there. click in the link in the description. below and get those bonuses all right.

let me figure out your minimum monthly. payments then we'll start with the. budget part but let's see how much you. have to pay towards debt on a minimum. monthly. basis yeah and after this I'll probably. just go ahead and call out and just be. like cancel the and stuff yes it's not. even an option your minimum monthly debt. payments.

$1,373 38 that's that's that's almost. one of your. paychecks. yeah what's your rent again it is $8.90. and then I pay 70 for utilities all. utilities including the internet yes 70. mhm well cuz it's split between me and. my roommate okay so 70 is your half yes. 890 is your half yes okay $129 for car. insurance yes and I am doing a thing to. like reduce it one of those like mild. tracker things sure gas gas it's $30 for.

a full tank and how many times I. normally only fill it up like once every. two weeks but lately it's because I've. been going to Houston and so it's like. that's like continue to I told them I. wasn't going to come to Houston for a. while okay um so 60 bucks a month yeah. I'll say 60 Buck phone phone my parents. have it on a family plan so it's $35 you. give it to them yes man even if you were. on helium one of our supporters who we.

also support it's 20 bucks a month it. would save you money being on your own. with with helium that's kind of wild. unless you owe money on the phone I do. wouldn't be surprised so my phone was. stolen a couple years ago and that's why. I have the phone I have now $300 for. groceries use the meal plan we give you. in the budgeting. program $100 for your TP fund it's. anything you need to survive anything. else anything else Medical is there. anything ongoing um I go to any bills.

medical bills um I'm when I went to Labs. the second time so it might be the same. so it might be another $100 but how. often is this is there something we have. the budget for on a monthly basis where. you C no not regularly no okay. subscriptions do you still have a pet I. have a cat now okay how much on a. monthly basis the budget for so get pet. insurance so my roommate gets the kitty. litter and the food and he's kind of. like I'll take care of that you do. nothing else no okay 30 bucks for pet. insurance okay that should be it. anything else in your life Jim um no.

anything. else. $2,987 38 is the minimum Unity to. survive so I mean yeah again it's kind. of what I expected based on your. spending you have an extra 800 bucks a. month normally okay uh you just blow it. all which it aligned with your spending. your [ __ ] so this actually makes. completely. sense okay uh but you only have it for.

one more month we know this is to be. your budget what we don't know is what. your income will be yeah but what would. I do you might have to be working part a. couple part-time jobs for a while yeah. that's what I'm thinking I need you to. minimum continue to bring in this much. money okay um so with that extra 800. bucks a month what would I do uh CU I'm. like I don't know if pay the back lease. off immediately okay and then pay off. the dentist and PayPal the next month. okay we'll throw in the rest.

towards the Care. Credit then month number three you'll. finish Care Credit and put a bit towards. uh you're also going to take care of the. doctor so let's call that into month. three month number four where are we and. I did want to start doing therapy but I. since I yeah buet that in honestly just. so you can see the rewards of it I'm. just going yeah I'm just going um. smallest to largest honestly your. federal student loans I might just minim.

monthy payment till they're paid off so. you can start catching up on emergency. fund and um investing the fact that you. have $ Z invested at 25 is scary because. this is the best decade of your life for. compound growth in the. market yeah and by the time I 30 I. really want to be in a a lot better spot. it's going to take a it's going to take. a lot of work but I I think you can do. it let's let's just do some basic math. again yeah. you you'll use the debt payoff. calculator in our class 32 1990 okay so.

9,838 of bad debt minus that by extra. $900 you should be able to throw to it. on a monthly basis $133 months or 11. years okay but yeah 11 years sounds like. a long time and it's because it. is potential things we can do yes one I. don't want you to do there's. consolidation stuff I don't really want. you to do that cuz I think deny me for. that oh there's also that can you point. the mic towards your face just point.

it like this wait it okay yeah okay s. it's okay but in the 11 years. yes at some point and I'm going to be. guessing within the next two years. you're going to be in a job position. that you actually want to be in and. you're going to have more than $900 to. throw with this my best guess is with an. actual career that you want to go down. which might take a while to find an. actual job and might take even longer to.

get the good paying job that you expect. in that. position because you might have to. accept the lower uh salary position you. might have to do some gig work and stuff. like that um but I think in the next two. years you could at least land something. uh decent and I think realistically all. this debt could be gone in five years. okay if I like really cram at it you're. going to cram at it this is this is this. is okay. yes I to be very clear and this part. sucks because I know what it's like to.

be on the position on your side actually. my debt was not as bad as this so I. technically I don't know but um I know. what it looks like to have to work at. something for years in sacrifice this is. overwhelming right now but if you land. that better. job you have the opportunity to by the. time you're 30 have a completely. independent Amazing Life get a fully. funded fun start investing you're going. to throw 20 to 25% towards investing on. a monthly basis in in that higher salary.

field that you'll be in you're going to. retire very. comfortably iOS will sell as much stuff. as you can that you don't need including. that PayPal thing for the camera you. don't need it anymore sell the iPad pay. that off whatever you can sell that you. strictly do not need to survive do that. the car situation that's going to be. hard to finesse at this point I think. you're going to have to pay that off. yeah but sell as much as you can work as. many hours as you can once you get your. full-time job work working other job.

which is so much easier said than done. so much easier said than done cutting. everything back to zero as well but I. promise you if you do and you work to. get a job any job after this and then. work to get your career position in 5. years your life will be so insanely. different it will have been worth every. moment and I'm almost turning 30 trust. me dude I moved here when I was like 24. at these next are just going to fly by. like it's good it's not it basically. won't even exist it's very depressing um.

but it is so worth it and you do have a. really bright future in front of you you. just got to grind now reality situation. is bring it back going to give you some. tough love say you got yourself into. this debt it's your responsibility to. take care of it now and the student. loans are the biggest part of it and. even if you went through bankruptcy. you're not getting rid of that so take. care of this now I don't want your. credit to be for 10 Years anyway cuz if. you take care of this in 5 years you. might start saving up for a down payment.

for a home at that point that's my. ultimate goal which is really cool so if. you're going through bankruptcy you're. going to yourself with that so that's. where I'm at. today. um and on another bright side my credit. score has improved by like almost 200. points to 2 594 okay from like 400 it. was last year so I kind of hopefully. that help don't take advantage of credit. just just don't I'm just hoping it helps. with my refinancing if I can well it.

makes me a little nervous of that is any. kind of consolidation anything anything. that opens up more debt by anything at. all I think you're just going to build. it up unless you change your overall. behaviors spending a budget was. absolutely ridiculous you're missing. payment so it's going to be a zero your. debt I this is some of the worst debt. I've ever seen for someone at. 25 technically there's no collections. IRS de so. one okay emergency fund there's a dollar.

in savings zero retirement there's. nothing zero real estate nothing. zero that that one's not really going to. pull much weight so that's going to be a. hammer Financial score of zero out of 10. make sure to 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 in specific. situations including the best budgeting. program in the history of the internet. and our coaching service today on the. financial audit post show we're going to. call your mom yeah and see if she agrees. with your sentiment everything is their.

fault oh wonderful is this Mom yes it is. fantastic mom um first I want to make. sure that you're aware of the situation. to watch the financial audit post show. click the join button below.