Failed E-Girl Blames Men For Losing $250,000 | Financial Audit

I made almost $100,000 oh for sake. that's insane that's so much money and. it's all gone why the ex-husband. military ex fiance one streamer Xian 2. cheater you're going to be homeless. again because if you this up you have no. fall back if you do lose your housing. don't hurt yourself why are you being. a cyber monday sale ends today 20 to 30%. off all of our educational products go. to Caleb hammer.com before the day ends. hi my name is Olivia I'm 31 years old I. live in New Orleans Louisiana and this.

is financial audit she zoomed through. that intro just like she zoomed on over. to Austin thanks for being here what do. you do for living over there in New. Orleans I'm a paralal pargal mhm could. be a lot of time not a lot of money. depending okay what are you making. 50,000 a year okay Decent New Orleans I. don't know the cost of living in New. Orleans I do know it's a declining City. population wise uh so that usually means. it stretches a little further how do you. feel living in New on $50,000 a year.

comfortable definitely um I can pay for. all of the things that I need to pay for. I just I can pay for the things I need. to pay for and some of the things I want. to pay for and a lot of the things I. shouldn't be buying so comfortable is uh. they can pay advances yeah wait wait pay. advances she doesn't even know Wonderful. what do you mean pay advances we'll get. into that good I was curious that's why. I wanted to kind of wanted to hit that. out of the gate cuz I was like wondering. does she even know cuz that just good.

sets a good precedent for how the. conversation is going to go and where. your knowledge of your own financial. situation is uhoh what do you mean pay. advances we'll get there huh. okay what I'm scared of it now is that. how what you you're actually like that. that just felt really weird what do you. mean like I mean weird yeah is how you. present yourself yeah we don't really. know each other so I just want to I am a. very strange human yeah that's okay. totally good I just want to make sure.

coming on here and going no no no I'm. just a strange human okay don't face at. me in that look of tone I Know Who I. Am. What uhhuh uh and so okay $50,000 in New. Orleans I you know you're we chitchat a. little bit before this I mean your. living situation isn't bad in terms of. your monthly expense for the 50,000 what. hits your account on a monthly basis um. between.

4 and a half and 6,000 a month okay then. you should be doing fine unless there's. something crazy that I don't know four. and a half wait how does it how does it. vary by 1,500 uh paralal is not my only. stream of income oh what. else okay well we bleeped the word. because it leads to demonit but. essentially it's the things that are. under the bras get displayed into the. internet eyes for money okay you. actually do that and that comes in and.

if we talk more about that unfortunately. it has to be in the post show or else. we're demonetized in our YouTube. membership that's what we learned and. that's what our um people over there. have told us to do so maybe we can talk. about that more on the post show but. let's get the income part of it I didn't. say content creation because I do also. twitch stream sometimes you do. okay I was a full-time content creator. through covid and then I dropped off a. lot of people had the co boom in content. creation a lot of people were at home a. lot of people had eyes on screens yep.

did you lose it or did you leave it I. left why uh cuz I didn't like it oh I. didn't what are you doing why are you. doing the and. the this is Twitch oh playing video. games like why are you doing both if you. didn't like it um I didn't like it when. I had to do it full-time but when it was. more of a hobby it it's still. entertaining it still provides income. and it's low effort same with the TA. yeah.

okay I post like once a month and I. still rake in pretty good money so now. this is what I always want to ask do you. enjoy doing that do you like doing that. or is it something you feel you have to. do because whether or not I support it. is dependent on that answer. um I would say 78% of the time I enjoy. it okay well if you enjoy a job even. like a great job you don't enjoy it 100%. of the time so I will accept that as a I. do it cuz I like it fair so the $1,500 a. month month mhm Epson flows because of.

those. positions okay okay in this last month I. mean what do you think came in total um. cross everything we have some deposits. we got some payroll we got uh. spicy money and zel and cash app yes so. the zel is that alternative income um. more no that was that that is just the. alternative income I had spicy as 830. and then more zel of an extra.

500 why would you get zelled through. that unless is there extra so the. offsite spicies no so I have a business. checking account and I zel it to my. personal account okay so we can yeah so. it might be a little duplicative okay. yep so how much do you think came in um. total across everything last month I. would say probably 5,000 4,000 so what. is wrong here because even with all. these incomes added up we made it to. $4,000 9760.

which is on the low end of your estimate. of 4,000 to. 5,500 so how are we at the bottom end of. the barrel with all these different. income streams which were not. insignificant the spicy was 838 that's. not. bad don't see anything for twitch no I. didn't so is this is the bottom of the. month are you sure this is the bottom. bottom bottom or do you make lower than. that sometimes no that's the. bottom okay so I'm going to I'm going to. then trust you and say 4750. a month okay on average yeah yeah I.

think that's fair okay so in general. what do you think you spent probably a. little bit more than I bring in so. probably around five oddly enough no you. actually Spent A Little Less oh which is. weird cuz I don't know why the money. Maneuvers that you were making in terms. of debt going up in terms of really dumb. stuff were the case it's extra dumb when. people don't have money and there's no. money going in and there's no money left. to go out they take these alternative.

paths through growing debt or having. something bounced or anything like that. you didn't have that though you didn't. have the insignificant money but you. still had the absolute stupidity in the. finances. yes why do you think that would be the. case self assessed money makes me really. anxious cuz then why are you doing it. incorrectly though cuz when I'm anxious. about something I construct ways in life. to avoid the anxiety in certain ways in.

your avoidance of money anxiety would be. having a fully funed a mergency fund. being on track for retirement making. sure you can never be financially but. instead you are doing the yeah and have. no preparation whatsoever to avoid being. which means if you get into a bad. financial situation again like that or. manipulative or whatever it might be you. have no Escape Route you have no ability. to fend for yourself oh you don't even. know the half of. it what that's not funny to me what um.

so back when I first got into content. Creation in the first year and a half I. made almost $200,000 oh for sake when. was this that's insane that's so much. money that was uh the end of. 2020 yeah oh that's right Co content. okay yeah and it's all gone oh yeah I. had a financial adviser at the time but. he wasn't really participating you mean. he wasn't participating so I had so.

before I I'd gotten him on my team so to. speak I um I was putting aside 30% every. time I got a check in for my taxes and. everything and I have it all just. sitting and ready to go you built good. bones okay I reflected in here but yeah. and and he told me that it would be. better to use that money to pay off my. credit cards because the penalties I. would have gotten from my taxes were. less than the interest I was making I. could see his mathematical reasoning on. certain things sure right but IRS is the.

people we don't with typically in my. book but go go on well and then the CPA. that he hooked me up with um filed my. 2021 taxes and then kind of stopped. responding to my messages so I haven't. filed since how is this happening so. much on this show how is this how are. there so many people out there not. filing taxes so 22 23 and soon to be 24. you have not filed not that you would. have for 24 yeah but it's about to be.

really so 2 years so far you haven't. filed how much money have you brought. in how much money did you bring in in. 2023 uh I think 75,000 oh good how much. for. 2022 100 oh good you're going to ow so. much so much yes yeah well I mean what. 20 to 50 maybe total 20 to 50 depending. then and then will they they will add. fees well they add interest on top of.

that what is it what are they. calculating have you heard from anyone. is anyone at the IRS like oh hello. no in in in my defense I have been. trying to get them fil no no no I have. contacted three CPAs and they keep stop. responding to my messages you're going. to sit down with the same financial. advisors I use that domain money we'll. pay for it you're good everyone out. there in the audience gets a free. session but we'll pay for your whole. thing either way bless so oh yeah that. was other thing is the first CPA I was.

working with wanted to charge me $1,200. to file. 2022 I mean that could make sense I paid. my CPA a lot too when the more. complicated your money gets and the more. they can save you of course the more. they charge absolutely and I was I don't. know if that's incorrect or bad you just. try to say that like it was immediately. a horrible thing no no no no because I. was like okay I can pay this just send. me the engagement letter just I'm ready. to do this this was halfway through. 2023 and I would be like hey where is it. and then a month later hey where is it.

month later hey where is it and he would. just that's when uh one month later I go. get another CPA by the way yeah yeah I. was going through a lot at the time. so is there ever a period no offense and. again Life Is Life Is Life Is Life I'm. not like trying to dism it has there. ever a period in your life so far you. were not going through something because. it sounds like every single year is. something else. but but at the same time the more and. more we go through life always and I've. had so many people on the show that have.

done what you're doing and then do what. you're going to continue to do if you go. on this. path this was bad this was bad this was. bad so much was going on so much was. going on so much was going on so much. was going on and if you always use that. never get ahead never try to be. actionable in your way of trying to. actually move beyond the life is against. me at all times oh no then you're going. to end up in the path where you have. yourself and you're going to just make. it worse cuz you're never going to. recover it and the excuse will always be.

something's going on no I definitely am. not in the boat of oh my God my life is. so hard po me it's definitely I've made. bad decisions I've put bad people into. my life and let them stay there for way. too long you haven't paid your taxes in. three years there's a lot of time there. to make a move yes and again this is I'm. now on my third CPA who I've been. waiting I would have mass emailed a. pellon CPAs you try three in three years. that's one you try to contact a year. come on I can't give you praise for that. I'm sorry you tried to use that as a.

good thing but it can't there's 12. months 12 months you did one out of. every 12. months we can't be like thrilled at. oursel for that no pats on the back. there that's fair no no that's that's. fair got to take care of your sh I know. they come and garnish you well and I I. the one really good thing I did is cuz I. love to hear those no when I got. divorced I divorced for sake when were. you married when I was 20. that's well I don't know a lot of Life.

exact well that's what I was see I've. been divorced and then engaged twice. after that oh good what what. SS um so the first engagement was to a. now rather large Tik Tok Creator who was. wildly uh mostly financially that was. when I got into content creation he's a. big twitch Creator right now mhm okay. I'll ask off camera. do you want me to say it like now oh or.

just like wait for the post I don't care. talking about it that was half of my. content for a year who daddy ditto do. you know him. Jake he does a lot of like oh my God. women are Bippity brop poity women are. property and I'm so funny but oo woo I'm. like a little beta boy and tell me I'm a. good. boy um he's gross uh but I don't know. him I do what's his name SL Bippity Bob. no Daddy ditto is what he streams under.

um but no so he was wildly financially. abusive and okay that's where a lot of. and he got engaged two more times no. that was the that was the first. engagement and he got engaged again yes. to be fair I didn't know about his crap. until I caught him falling and other. people so so it was a cheating thing. yeah yeah this is the final chance at. the end of tonight our Black Friday. Cyber Monday sale ends right now it's.

the best price ever on our entire class. educational bundle it is 33% off you can. also get 20% off everything else. including merchandise in reminder we've. added four brand new sections to our. master your money budgeting program this. is literally the best price you'll ever. get make sure you check it out now Link. in the description below or go to Caleb. hammer.com you're not engaged currently. are. you okay.

okay but anyway after I got divorced I. had to move back from Italy I was. overse he was he was military and so I. was living daddy Diddy no no no no no. this is my the this is my so daddy dto. is the ex-. fiance um my ex-husband and I are. actually still pretty tight he's. sweetest guy on the planet just didn't. work out um but when I moved out of. Italy the cheater no that was another I. so lost I'm so sorry guys no it's okay. it doesn't matter matter ex-husband.

military sure X fiance one daddy ditto. streamer X fiance 2. cheater now. single now avoiding at all costs because. apparently I make bad decisions I. searched daddy ditto and I see nothing. on Google really are you D O like ditto. like the. Pokemon all one word has a lot of. followers on Instagram yeah wonder where. those came from.

what are you saying he pays for them no. no uh when when he and I started dating. he was I think I've seen Clips yeah when. he and I started dating he was at 30k on. Tik Tok and when we broke up he was at. 250 he. looks gross I hate well I hate to say. well I was going to say we look a little. similar his Beard's just a bit more. Scrappy and I think he has a few more. pounds but look completely different I. don't know I mean I I can't I honestly. can't judge it very well.

okay does not take care of himself. doesn't let other people take care of. him either anyway I. digress self assess where do you think. your finances are today 0 to 10 zero. being the absolute worst 10 being the. absolute. best. one okay okay if you want your Hammer. Financial score it's free see where you. are check it out Link in the description. below and if you want to come here to. Austin Texas uh come on over and talk. about your exes with me I mean I I like. a good little glass of tea here and.

there a little sip sip sip uh come on. Caleb hammer.com reply we'd be happy to. have you all. right no but the good thing I so when I. got divorced oh we're back to it no no. no guys I didn't finish the story I got. divorced moved back from Italy was. living off my credit cards and was at. $225,000 in credit card debt when was. this uh. 2019 okay and I paid it all off yeah it. was at zero it was completely gone heard. that and then I kept moving and moving.

why are you moving always can stream. online I have on average moved once a. year every year since I was like 11. honestly I've pretty much done that. since I was 18 but I don't my finances. with it what do you mean what what are. you doing so where are you not you. you're in New Orleans where are you. going to be in like a month I would. really actually like to stay in New. Orleans I'm in a really good situation. I'm a lot more stable I have a job I. really like so then it's all good things. so I'm hoping to stay in New Orleans for.

the foreseeable future how did you pay. off all that debt um I originally. got I had one of my credit cards had an. offer for a balance transfer 0% interest. for 12 months zero fee so I did um a few. thousand on that and then I did a debt. consolidation loan that I paid off um. because I paid both of them off within. the like allotted time frame didn't. change the behavior that got you in.

there in the first place cuz usually. when people utilize those tools they. didn't change the behavior and then. guess what your debt went back up who. would have thought right I changed some. of it but not all of it how many. consolidations have you done over the. time one I'm being told two one instance. it may have been two loans I don't. remember but I know it was at one they I. did all of it at the same time all right. I want to get into this card and these. cards have little interesting little. niblets throughout let me tell you okay. AMX every day M we're sitting at.

1,35 again I mean your entire rent. utilities are 600 right isn't that what. you said 800 800 this is what you told. me right before okay cool awesome with. the money left over obviously we need to. set some aside for taxes because not all. of it is um well is the is the paralal. Contracting or are you doing that as a. W2 salary I'm W salary barely any money. setting aside for taxes for that other. kind of income but that was I was going.

to say that's why that's probably why I. overestimated the income is I have them. withholding a lot extra for my taxes oh. do you yes well overestimated your. income I'm asking how much hits your. account on a monthly basis right so I. did the math based off of like like my. my annual salary divided by 12 you don't. know what hits your account on a monthly. basis cuz that's all I was asking no. what do you mean do you not look at your. fing like checking do you not look at. anything that's happening in your. accounts so I I make sure that I have.

the money for a purchase before I make a. purchase but other than that I try do. you look at your accounts other than. just just literally looking at the. number if it's there to make a purchase. and I don't even think you do that again. because I have things in here yeah. you'll see this is this just suggest to. me that you are not informed of your. finances any way obviously you don't. make a budget do you not make a budget. you've never made a budget are you a. budgeter do you there's no budgets or. spreadsheet I don't think there is I I.

have rocket money on my phone great it's. on the phone but I don't look at it you. are absolutely right I I don't I have. it's I okay do you play video games yes. you know like when you start the skill. tree and it's like real small and you. like have a couple of little outshoots. as you start to level up okay I haven't. leveled up any of my financial skills I. just got like a couple of good ideas and. I started with that and I was like this. is fine and it's not but obviously not. so why the would you continue down that. road. when it's not working you.

readjust that's not an answer I made it. this far and I didn't expect to what do. you mean oh come on that's a horrible. mindset what do you mean I really didn't. and you did not literally think you'd be. dead by. now. really you most of my teenage years. hopeless but did you think you'd be. dead oh [ __ ]. statistically what no statistically. you'd be a live what do you mean no like.

so okay have you ever heard of the aces. scores it's the adverse childhood. experience. score and I was a Psychology major for a. minute um but no so statistically like. teenage women who grow up homeless and. have like a certain you were homeless. too yeah for like while I was in high. school okay yeah you went through a lot. I'm sorry I'm sorry I want to focus on. your finances today I'm still here so. well and that's part of why like when I. paid off of paid off the debt after I.

was divorced I like really gave myself a. pat on the back and I was like oh good I. did it I don't have to ever look at it. ever again and then I made all of this. money doing content creation and I. thought I would be fine forever and I. just was kind of you know oh my God I'm. just a girl all my way through. life. um and yeah no for the last especially. six months I've been really being like. Oh I need to stop taking my life away so. taada Jess $44 and monthly payment $31.

of Interest like this ah time and time. and time again I do not know how we were. here again you have you're not. unreasonable you have self assessed so. many different things you kind of. understand relatively where you are in. terms of finances you gave yourself a. normal score that actually makes sense. for you even though you don't look at. your. accounts why the on a card that you. cannot pay off that you want to pay off. that you make make more money than you.

spend the the face you made was. funny why are you spending. $33 on it so why the possible especially. when. $314 of interest is accr what are you. doing So the plan I had for the credit. cards was that when I got them all paid. off each one would have a very specific. use to maximize the benefits you paid. them off years ago yes and my plan was. that net that I don't give a [ __ ] about.

that two years ago why are you doing. this now because I know that I make. enough money that I should not be in. debt which is why I started work but. it's not working so why would you. continue it that's what's so confusing. why would I continue something that's. not working cuz I've been paying it down. no it went up six months ago they I. don't give a f about six months ago the. balance went up now yes so the reason. I'm still using them is because again I. have a plan for how I want to maximize. the usability of it and I need to pay. them off you are absolutely right I have.

a spreadsheet that shows they pay them. off I'm working on no you're not it went. up I'm making much more you're trying to. sound good but you are not I'm you're. right you paid more than minimum but it. didn't matter cuz you still spent more. than you paid off yes yes you're trying. to make it sound better than it actually. is and I'm not going to let you get away. with that I'm using the tools I have. poorly you're using cop to trying to. make it through this. conversation it's alling door Dash great.

yeah let's let that keep us in debt door. Dash door Dash door Dash door. Dash Touch Tunes what even is that and. then Touch Tunes then Netflix what the. [ __ ] is a touch tune you got two $25. charges on there $25 shift oh I know. what Touch Tunes is. what what what is it oh it's a jukebox. app that you can play music when you're. at. bars C $25 no so you like refill it and.

it gives you credits how how much are. you how often are you there $50 in Juke. boxing that's the dumbest thing I've. heard one night I was trolling a bar it. was entertainment it went my ENT dude. you're trolling your finances you're. trolling your life you're trolling your. retirement you're trolling an emergency. fund you're trolling you going to be. homeless again because if you this up. you have no fall back if you do lose. your housing yeah and it's not cute it's. not a little joke no it's not this is. this this is a cope laugh absolutely a. cope laugh this is I am uncomfortable.

and angry at myself and very. disappointed I'm disappointed with. something I'm doing I fix it again you. know well some of us have better coping. skills okay I'm doing the best I can. with what I have to work with that's not. funny again my. thing what why are you facing at me in. that look of tone cuz I don't know. you're a bit odd and did I not start. with that I'm a weird person and I'm. trying to just fing comprehend. okay good luck when I'm looking at you.

I'm just trying to think so calm down. just trying to understand like what I'm. dealing with like what kind of creatures. in front of. me creature of the internet shut the no. I'm literally here to talk about the. finances why would I shut up cuz it was. a moment of silence we're allowed to. have them it's okay I was thinking. you'll make it through it don't hurt. yourself why are you being a all of a. sudden there's a difference between. being a and making Snappy.

jokes you're making jokes yes because. this is a joke right your entire. Financial Futures. haha I want to give you free money right. now I 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.

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linked in the resources section of the. description below so don't pass up the. free money cuz I'll punch you. lesson you have late fees on this card. yes I always have enough money in my. account she says earlier rewind no no no. the money is there I just forget to pay. it then you can't have credit cards. you're not a credit card person you. don't know how to manage them close them. this is not a tool. you don't know what you're doing it was.

for six months it's not six months is. nothing no I know it and it's one of. those things where it's hard to break a. habit especially when things are close. them and you won't have to break it. it'll be taken out of your. hands close them would it not be better. to use the tools the way that they're. like you don't know how to yes but that. is a skill I can learn and if we learn. them by proving it with in debit. accounts for a while I will allow you to. open a small limit credit card again why. would I give you access to a nuclear. bomb when you can't even handle firing a.

pistol right now I hardly think that. credit card is a nuclear bom in a. situation where money is being pulled. from a credit card in a cash advanced. way that you don't even know about. because you don't have enough money in. certain accounts to pay for a bill so. yes you are fing yourself you have no. retirement if you get evicted for. whatever reason you lose that roommate. situation you're yes this is a nuclear. bomb for your life whether or not you. realize it you're literally having late. fees and hundreds of dolls in interest. of crewing on a credit card that you are.

not paying off and only allowing the. balance to go up so I don't want to hear. it don't try to diminish how bad your. situation is or you'll never get the out. of it cuz you don't care no I do care. not with that kind of language and. attitude I care just because I'm making. bad decisions doesn't mean I don't care. no it wasn't just about making bad. decisions you were trying to defend. you're trying to make it seem like it's. not as bad it is and if you don't. realize how bad it is then what the are. we. doing Amazon Chase Card yes.

$2,413 61. cents $79 minim monthy payment you you. could use a card many in our audience. use like the Fizz card it's a debit card. so you can only spend what's in your. account but it still build builds your. credit you can do that that's a way to. do it you want to approve your credit. card person that's a good place to start. because obviously we're not with this. kind of. balance and we're still purchasing on it. was it less than your payment towards it.

sure but you're still purchasing on it. mhm so we're not making as much progress. as possible because guess what it still. takes 11 years to pay off but you're. trying to diminish that with the money. you spend on it and then. $54.95 of. interest and also you started above the. credit limit. so oh yeah oh you betcha how far oh just. about if I'm not mistaken here it's a. bit blurry on my end looks about 60. bucks above the credit limit that's good. to know oops see no you're right I don't.

look at it and I need do not try to. defend this then you were just again. trying to defend your situation making. it sound like it's not as bad as it. really is you didn't even know you were. above the credit limit okay and that's. why you're not spending more money on. this cuz guess what even with all that. you're only $75 under the credit limit. even though even though compared to what. you spent on it you paid off. $225 more than you spent on it but. you're only7 55 under the. limit well done I apparently need to.

look at because I you need to look at. all of them this is not a that's fair. that is very fair go through go please. please for sake you get them for free I. need you as a guest but starting tonight. when you get home or tomorrow whatever. it is go through the debt class so you. can learn how to manage this debt. understand it how to consolidate. whatever it might be whatever tool makes. sense for you learn all those skills. take the quizzes go through our. budgeting class so you know how to do. all this and go through this plug it. into places and manage it go through it.

you get it for free they're all bundled. together for 15% off now for you guys. but you get it for free so do it I'll be. pissed if you show back up here and you. didn't do it okay it's literally access. to just free top-of-the-line education. of the stuff that you don't know how to. do and you keeping up so take it I will. take it I. promise it it's foring Amazon music and. Kindle glad I'm glad we have. subscriptions on a card that we can't. pay off and another card that is a crude. oh what what would we say Actually I.

don't even know how many of them are. late fees are over the credit limit fees. but $200 of fees this year so. far well done I am curious what those. fees. are well no because if it's if it's just. late fees then that means I just need to. set my reminders if that's only late. fees then you've missed then you were. late every month this year oh then it. can't just be late fees exactly which is. even worse that you have mixture of late. fees and above credit limit fees that's. that's stupid that is mismanagement. immaturity unknowing how to use credit.

cards as a tool you just said well. shouldn't I be able to have access to. the tool you didn't know you were above. the credit limit so no you can't even. come close to these you need to run from. credit cards you are making them so much. money and you are getting no benefit. from it cuz these are all again over. maxed out on this one that last one was. pretty close to maxed out so that's not. benefiting your credit your utilization. is well beyond 33% yes yes it is so what. are we doing what kind of tool are you.

trying to take advantage of it's taking. advantage of you well the the plan I had. that was working for a long time was the. American Express was explicitly for. groceries yes and then I you said a long. time that's so I want to clarify six. months go on the the American Express. was exclusively for groceries because I. earned triple points and cash back when. I used it at grocery stores the oh you. got drawn in so hard okay go on well no. cuz I have paid for entire bill with. that card using those points oh yeah and.

now you've lost magnitudes 20 times what. benefits you've ever gotten by far not. even close 100 times probably but. continue your grand strategy that worked. for um H let's see let's see oh this is. you know have a little. uh. uh. point or 1.6% of your. life you're Grand strategy has worked. for 1.6% of your life so go ahead tell.

me about this master plan the the Amazon. card was exclusively for Amazon. purchases and the plan was that every. time I would make an Amazon purchase I. would set up my debit account bill pay. that I would go in at the end of each. week and just send a payment straight to. that card so that way it always had like. a zero revolving balance sounds like a. thrilling plan and it worked until I. moved and fell off of the bandwagon cuz. 6 months is nothing correct anyone can.

do anything for 6 months unless death. well causing. death okay like Behavior discipline. stuff yes yeah come on and well and I. know that these habits take time and I. know I fell off the bandwagon really. hard because when was this uh about a. year and a half ago I. think so a fourth of the time in the. last two years you did okay when I went. through one of my breakups and moved. that was that period of time. that was the the cheater why are you not.

able to control anything because again. if you were using this correctly if you. were using money correctly you would. have had an emergency fund meaning you. would have not gone into debt through a. breakup the cheater makes sense stick in. the wrong hole boom byebye but that. doesn't mean you go into debt I never. really planned for the future like it's. not even planning for the future that's. just making sure you don't get [ __ ] in. life it's not planning for the future. cuz you don't plan for You Don't Know. What emergencies are going to happen. right but having that 12-month emergency. fund is like having six I wouldn't want.

a 12 month that would be my goal but. sure um but having that having that. fallback is like planning for the future. and um it's funny I was actually. listening to a podcast on the way here. that talked about psychology behind like. the way that people spend and one of the. things that they talked about is. breaking out of the mindset that like if. you grew up poor that when you get a. bunch of money you are uncomfortable. with like holding on to it I definitely. think that that's a big part of why it. happened it's not a good reason for it.

but I do think that's part of why it. happened is because these triggers would. happen and I would just be like up no. more bandwagon back into the old habits. back to what's comfortable almost $1,000. in interest this year so far on this. card alone ooh insane yeah yeah no. kidding again you didn't even know it. was li no I. didn't all right barkle for what is this. a standard Barkley so that was uh I. originally opened that card when I was. in college I used it to finance my.

MacBook for school classic all right um. I did pay off the MacBook I didn't get. any penalties or interest on it and then. that was the same card that had the. balance transfer deal once I paid off. the laptop mhm cool well you owe 1,072. on here with a total credit line of. 1,300 so it used to be a lot more yeah. I'm glad it's not because again you. don't know how to manage access to debt.

yeah no that's so I would I would not. want you to have it uh it takes six. years to pay off with the minimum. monthly. payment. okay there is not a card that we've. looked at that hasn't had basically $200. in fees this year so. far you keep talking about this 6 months. or you did well I wouldn't care if you. did well for 20 years. if the three cards the first three cards.

that I put in no particular order by the. way the first three cards we looked at. all had late fees and above credit limit. fees I would never want you to even look. at a credit card again for the rest of. youring life that's beyond insane people. on the show up all the time that doesn't. mean they have late fees and above the. credit limit fees is that for the whole. year yes okay so in my defense this year. I moved to Louisiana listen. in my defense you move every second of.

your life so I don't give a that's not a. reason anymore you always move that is. your choice moving doesn't mean let's. our life or maybe we wait until we can. afford to move come on that's not an. excuse you chose to move to New Orleans. I was in a dangerous situation had to. move oh my so we have to move yes okay. yes okay the holidays are here and if. you're anything like me your budget is. feeling the squeeze between buying gifts. stocking up on holiday food and other.

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okay so it wasn't just about that then. no it was I took my I dragged my feet. finding employment and then when I did. find employment I can I also ask a. question again I I am not unsympathetic. to anything you've been through it's. just I'm trying to deal with all the. things sorry so no it's okay I'm just. trying to figure out how it all comes. together and it's. immediately a difficult perception or. not a perception well I guess I could be. perceived so but either way it's the. difficult thing about it is anytime that.

anything ever you any anything is bad in. your finances it comes down to something. else beyond our controls it's like what. can I do then this isn't a conversation. that even involves me right but even. still why' you have to move like states. and cities and why does it have to be. this massive move that costs thousands. Beyond thousands of dollars I didn't pay. for all of the move well even worse then. so Fair my roommate got out of the. military and so he helped pay for that.

move because we moved in together here. that's worse the yes right and so so the. first maybe four months of this year I. wasn't doing a lot of content creation. because I. just didn't want to good don't do it if. you don't want to I'm with that that's. true but I was living beyond my means. and well that's not chill why why didn't. you go get a job why didn't you pour. some coffee why don't you drop some MC. fries and that. agrees so I was applying to some jobs I.

was not putting my best foot forward I. was just kind of holding on until the. move because the move was in March so oh. you're talking pre-move yeah yeah. pre-move I wasn't doing a lot of about. once you got there um dealing with. unpacking and oh come on everyone. unpacks when they move well there was a. lot of shuffling around I've had a job. when I unpacked things that's fair uh. there was a lot of shuffling around and. I didn't prioritize it when I absolutely.

should have um that is absolutely on me. and yeah there's just a lot of shuffling. around we ended up moving three times in. a few months I don't we had a friend we. were supposed to move in with and he. ended up being a raging douche canoe so. we had to get out is there anyone in. your life that's not a piece of. apparently my roommate one person you've. ever met no there's a few but I don't. live with them and they don't affect my. living situation so. remember when I said I had really bad. decision-making skills it's not just.

Financial but it's all not just you. though you have been in bad situations. that's the hard part that's the hard. part of this conversation is I'm trying. to figure out how to navigate it well. the biggest issue for me is that despite. all of the things I do manage to 90% of. the time make enough to cover what you. made more than you spent which makes all. this more stupid right that's the. biggest problem is that I'm just making. stupid fuing decisions like not looking. at my statements that annoys me to hear.

I'm sorry it annoys me to be this way. I'll tell you. why you know this so why the don't you. do it I will never understand I will. never understand when I I'm probably do. stupid stuff all the time it happens but. once I at least realize it that's when I. try to do an action to prevent it if. you're doing something stupid and you. don't know you're just ignorant that's. fine cuz you're just ignorant you're not. ignorant to it I think I was ignor to. how bad it was cuz I sure but you knew.

SP I knew it wasn't where I wanted it to. be so why not try to get it to where you. want to be I have made Little Steps I no. your dad has gone up well I canceled my. gym membership that I wasn't using I. have that's the little steps I haven't. been ordering out as much as I used to. the whole first credit card was door. dashes on a card that went up and. Bounds yes. mhm 11 Furniture and Mattress thank. goodness oh good we're paying interest.

on this why not oh good the balance went. up that's wonderful because oh good the. amount is past two we're $41 past two. well done come on we're not even huh I. forgot again that was definit can't well. auto pay have you never heard of auto. pay in your life it is this great new. invention that's been around for decades. are you kidding me auto pay F me really. bad you're fing yourself what do you. mean you're making it much worse than it. ever you most likely well no because. what you got an over for 35 bucks once. you're getting charged an extra million. jillion dollars a year so the so for a.

minute when I wasn't making enough to. cover the bills the auto pay tried four. times in two weeks yeah and how' you not. see it after one I did and I tried to. tell them to stop pulling it and they. said oh well it's already started we. can't do anything about it why didn't. you have the money because I wasn't. working when I should have been and I. wasn't working hard enough this yes. there's nothing to transfer anywhere. else no okay okay yeah that was and.

again that was 100% on me guess what yes. never have no money in your account. again then you don't have to worry about. this this is pretty basic yes and now I. don't have sometimes it's more. complicated than it sounds but not in. this instance you're fing yourself and. even those four overdraft fees you're. still paying more in fees this year so. far than those four so you're making it. worse you can't forget this set yourself. a timer if you don't know how the. calendar Works set it on auto it's as. easy as that it's just basic yeah great.

she agrees AG why isn't she doing it. great you can you could do that and try. to get out of this little push back you. can't just agree but never do it that's. not how these conversations work that is. a get out and I don't want you to just. get out and then keep going the way. you're doing without actually realizing. what you're doing is wrong no and that's. the biggest problem is that I know what. I'm doing and I know that I am [ __ ]. up and I want to fix it and I'm finding. resources hello what I'm finding.

resources to help me. learn me okay yeah so like help me learn. how to do the things that I should be. doing and what resources um there was. a um a podcast I couldn't think of the. word a podcast that I was listening to. that was like teaching about the. psychology of money and how to like. reframe the thinking around it are you. one of those people that always takes in. all the information but never actually. does anything in their life cuz I've. worked with people like that as well.

where they just read self hope books. forever entrepreneurial books forever. then they never actually do anything in. their life and they just endlessly. consume the information cuz that worries. me cuz that is almost everyone I know. that goes down that road instead of the. people that actually get out there and. do I would say I consume it and then I. actually end up implementing maybe 30%. at a time and then I'll go back and redo. it what has been implemented here I see. a Mis. payment I took it off the autopay. because it was overdrafting the account. when I didn't have the money in the. account about a year ago okay it's not a.

year ago anymore you have money in the. account. yes I don't have a better answer for. that other than I just haven't put it. back on auto that and it's almost. completely paid off and it will be. closed when it's paid off I don't know. how you pay off a card with zero doar of. payments and $41 of fees and $777 cents. of Interest oh it just must have missed. by a day or two cuz I I usually pay more. than the minimum balance on that card. didn't and now it's gone up just like. the other cards we've looked at so far. except for one so I don't know what.

you're talking about. USAA. mhm. $2,282. 187 H new cash advances $100 ah here it. is the special little. guy yeah that's nice that's nice we're. basically almost at the credit limit. shocker what is the cash advance I. didn't know I could do that on that card. what's your minimum Mony payment. normally zero they literally say zero.

every time I log in but I have an Excel. sheet that tells me what I should pay. $348 of Interest what you should pay. should be all of it what do you mean. instead of what do you mean so the Excel. sheet I put together for myself has like. the current balance the interest rate. and the payment I need to make if I want. to pay it off in 12 months it's basic 12. months well good luck with that because. with the way you're managing your. finances that's not even coming close to. an option 12 months from when now it's. always going to be now 12 months from. now tomorrow will be 12 months from now. that is the problem I've run into uhhuh.

which is not cute but no guess what you. didn't have enough money in your USA a. check in account so it would true or. took it. over you cash advance $100 overdraft. protection from your credit. card it's basically what I suggested be. turned on they did. it that's going to be a fun phone. call honestly why would you be entitled. to something with the phone call anyway. because like you did not have the money.

it's not. your legal ability to spend someone. else's money no no no no not because. that it should have been overdrafted but. because the cash advance should have. been turned off because I ran into that. before and the cash advances should have. been turned off couldn't tell you all I. know is you did not have enough money in. your checking account to do something. you tried to do and then you did it and. now you have this gas advant overdraft. fee so regardless even if you turned it. off you still major well and and I don't. even have that debit card literally the.

money in that checking account is just. for. my renters insurance I think or my car. insurance one of those well one's. usually $5 and the other one could be. like $500 so that's kind of I had it. bundled for a while and I can't remember. if I had canceled one it was one of then. are we really surprised that the person. that doesn't know if it's a $5 $500. charge in there is overdrafting no you. know nothing about your accounts because. I a single thing I had an automatic. transfer from my main checking account.

to that account a week before the. payment was supposed to come out we'll. just have to see yeah so I'm not sure. that's why I'm surprised maybe you. didn't have enough money in the account. that you transferred. from maybe we're overdrafted from an. overdraft from an overdraft it shouldn't. be but I mean we'll see we'll see all I. know is $400 in interest this year so. far and you've had a late payment as. well yeah on this card are we shocked. every single cards had a late payment. because y we're an adult apparently in. our 30s. allegedly.

oops what just the the late payments is. whoops late payment whoops we're in our. life whoops we don't have retirement. whoops I move every second of my life. and I never do it with an emergency fun. and I don't have job set up whoops what. do you mean whoops you kind of everyone. like I'm on your side and then all of a. sudden you just it whoop this is not. cute this is not funny this is seriously. your life do not understand that this is. a big old I hate this why do I get so. angry people wonder sometimes because.

every single time it feels like or at. least 75% of the time uh it just feels. like I give a [ __ ] more about your life. and your finances than you do and that. rages me because you are a person that. exists on this Earth and you deserve to. live a good life but it is in your. control and you're choosing not to and I. can give you an ability of how to get. there but you're like whoops a cutesy. little woops your whoops that is a whole. big dose of copium right there that is. me making light because I'm very. disappointed in. myself sorry Wells.

Fargo. $1,954 with a minimum monthly. payment of 52 bucks nothing happened. here except for interest charging 35. bucks. okay oh gosh if I see fees that have. been charged this year so far I'm. unfortunately actually not going to be. surprised so it doesn't matter anyway oh. yeah basically $200 a fees back to our.

classic rounded nice 200 U you know. having many late payments many many many. late payments because we don't know how. to push a button to turn on automatic. payments or set a timer or look at a. calendar or manage our life or know. what's happening in any sense of any. account of anything I wonder how you. manage other things I wonder how you. manage your work schedule I wonder how. you manage your friends schedule I. wonder how you manage anything cuz you. don't know how to manage your financial. schedule and this has repercussions that. are monetary and you're destroying your. entire life over $400 of Interest I'd be.

very curious to see the rest of your. life cuz right now this is a complete. disaster and I don't know how you manage. anything else do you even have. a envelope anywhere in your house fck. yes folder yeah nothing in it you've. never looked at it no I have a filing. cabinet mhm I'm sure you do I do oh I. bet there's things at least one or. two late on your student loans are you. kidding me they should be in deferment. or forbearance or something right they I. got an email about that two weeks pass. amount $23 you what but I've been.

getting emails that say no no no because. from who spam accounts no from them and. the last time I L monthly payment is $46. you don't know what you're talking about. no the last time I logged in it said I. had no minimum payment so I don't you. monthy payment $46 also known as from. the statement that you sent us. so that's okay last payment. was. April that's value of. 20 $249 even though your minimum monthly.

payment is $46 what if well right. because that's when they told me I owed. a payment cuz I got Anil are you how. have you survived I'm not laughing at. you I'm laughing at just how ridiculous. this is and then how you think it is. versus the reality of it is always so. polar opposite you always think. something and it is the literal opposite. every account we look at this is crazy I. don't know how you've survived to your. 30s. carefully this is not careful you don't.

carefully Miss every payment since the. fourth month of the year well and that's. what I'm saying that's [ __ ] stumbling. I got an email saying that I owed a. payment so I went in and I made a. payment and then the next month I logged. in and it said I did not ow a payment. and even when I got that statement it. said I had a$ Z minimum or z z maybe. that's for a different one I don't know. but for this you do. okay they just got put into save it. looks like they just got put in a save. but these are past payments before it.

entered deferment that you haven't paid. you weren't even paying your bills. before you must have just got put in. deferment and then the deferment in the. save Act is a lot of it's on pause right. now because it's being challenged in. courts so regardless so they must be old. payments old payments from this fing. year not that old well remember you just. tried to suggest that you being good for. 6 months was a lifetime your payments. are from 6 months ago so stop old. payments for old payments you don't know. what an old payment is $50,000 basically.

in student loans what did you get a. degree. in in law no psychology you said so I. changed Majors a whole bunch of times. how many times five oh for how for how. many years like seven oh for f sake okay. and did you graduate after seven yes. okay what's your degree paralal studies. okay so a bachelor in paralal studies. it's an Associates you an Associates. after seven years so how many credit ARS. did you take this is so much money where.

didd you go to school um so originally I. was at the community college in Southern. California and that would not get you to. $47,000 of student loans well I started. when I was in high school and then I so. I was taking those classes I was a. Linguistics major and then I switched to. a business school it was one of those. accelerated programs that was supposed. to be like 18 months to a bachelor's. degree are you do do you get easily. distracted are you on to like the next. thing after like six well you move every.

2 months so you must yeah well this this. is demonstrated in your life you're. moving cuz you mov cross country. everywhere Italy once I mean come on and. then you were moving Majors once a year. it's like I don't think you can sit. still you're on to the next thing. constantly you're on Twitch and you're. not twitch and then we are tatas and. then we are pargal it's we're all over. the place yes you can't and that makes. me very nervous cuz the debt payoff. Journey a multi-year journey get a fully. funed emergency fund and then saving up. for retirement is a lifelong journey.

because it's taking advantage of. compound interest and time you know you. put your money in you know my favorite. investing account MooMoo good that grows. boom then I'm able to retire wonderful. that's a lifetime thing you can't just. be changing things every nine months. well and again I did do it once I and it. took two years associate degrees in. seven years well right so I us I went to. I transferred to the business school cuz. all of my credits transferred all of my. credits from the community college. transferred to the business school and I. was doing that it was an accelerated. program and that's when I got married.

and the the semesters were 6 weeks and I. told them I needed my books two weeks. ahead of time so I order them Sor I'm. sorry I don't I don't need the whole. thing I really don't it's okay I. appreciate business tan planning and. then that didn't work out then I was a. Psychology major realized I didn't want. to get a PhD to make $50,000 a year so I. did my associates degree finished that. out okay okay so I do have a degree but. I it took me a long time to get there. well it took you a lot of money to get. there that's the more concerning part.

yes it did cuz now you owe this and. guess. what department of education gon to get. a new person at this point it looks like. Mahone I think one of the co-founders of. WWE I don't I don't know I don't know if. she wants to forgive your student loans. or not yeah who knows if she wants to. uphold the save plan you know a lot of. it kind of is up to the Department of. Education head yep I don't know who. knows what she wants to do yep girl. might come to you and she might say you.

or she might give you a big hug and. forgive your loans we don't know it's. Administration to Administration but I. wouldn't bet on it right so why not pay. on these you have the money we know you. have the money you're needs are. relatively minimal you're just fing up. you could be paying on these with a. higher likely chance that you will have. to pay on them so make progress on them. instead of allowing interest to a crew. instead of allowing late payments to a. crew they can garnish your wages they. will come and get you yeah they'll get. you yep 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.

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teeth and it's just another set of bad. decision making skills and so that's. your answer for everything the fair. amount of it is well and then what the. is going to change no offense what would. actually change cuz that's your answer. to anything something bad happened or. bad decisions okay wonderful you know. making better decisions but you're not I. have your accounts here we already have. a late payment you haven't even looked. at your student loans you didn't even. know you're late you probably haven't. looked at your credit report you don't. look into your checking account once we.

had a uh cash advance from a credit card. cuz you didn't have enough money in a. checking account cuz you probably didn't. withdraw the right amount to that other. account from another account you know. what you're doing better decisions I've. you've never made a better decision. before so that's can't be true it's the. start of the decision what start right. so again the the USAA account because it. was supposed to be an automatic transfer. no I understand it but what start is. better decision cuz I am not seeing them. reflected in the accounts in front of us. so I'm not going to let you get away.

with that and have a pat on the back. thinking you're doing okay you're doing. one of the worst your debts are not the. worst I've seen on the show your. behavior and your management of your. accounts are some of the worst I've seen. in two and a half years of doing this. show it's it's so I am not going to let. you give yourself a Golding star no. absolutely it's so the better decisions. are when I had the 25,000 in debt I was. literally maxing out all of my cards all. of the time I was only making the. minimum payment which wasn't even enough. to cover the interest I was making and I.

was late all the time cuz I never looked. at it m these or you could have paid it. all off with your $250,000 in cash that. you made but you decided to blow on. what what what did you spend the money. on so most uh a fair amount of it went. to my car um I put what is it it's a. super R back 2020 is that $250,000 car. no no so I put $16,000 down on it and. that is paid. off 16, 250,000 I'm going to need a.

little uh uh Gap filling um and not like. the Gap filling that's done in your. content I don't do that kind of content. to be fair um but the the content. creator X did take a lot like management. was you trying to suggest management uh. no it was straight up Financial am I. going to like have his people like come. after me for filming this cuz I don't.

know who he is I can't speak good or bad. about him cuz I just don't know him but. you're trashing him on here well I spent. about a year and a half of when I was a. full-time content creator I spent about. a year and a half talking about all of. this stuff very publicly and both of. those accounts got banned so but you're. anonymous on here but to them you're not. going to be anonymous I mean they you're. using a fake name here but they know who. you are probably right I mean maybe if. they still recognize me he would that's. fair. and our Clips go pretty. viral I mean just don't put his name on.

it he'll fig he'll be fine you said his. name bleep it. out I'm not. wrong I don't know I don't know I don't. know him I I can't speak good or bad. about someone I literally do not know. that's not how I operate so that's fair. but I don't want his people to be like. kale Hammer cuz I I don't know well okay. so just because you're coming on here. and talking so of that money it I paid. for him to move across the. country I paid at one point I went.

through our checking accounts because he. accused me of being bad with money and. hold on wait that's not what you said. earlier said he accused you of stealing. now you're saying accuse he accused me. of being bad with money he basically. stole the money because um was he saying. you couldn't management I feel like. there. listen cuz I instinctively my got my. heart even though I'm an annoying. Devil's Advocate [ __ ] my heart.

is to just be like yes 100% support. she's 100% right but I know for a fact. especially based in the internet drama. space and this kind of is that to be. honest always a thousand sides to a. story and so I don't even kind of want. to listen to this right now because I. just don't want to pretend to have an. opinion cuz I don't know I can summarize. it as that relationship probably costed. me about $775,000.

I spent $775,000 on that. relationship it's expensive dick okay so. not worth H not worth it but yeah so. that okay okay okay do you have any more. debt I don't think so both of my. vehicles are paid off uh both vehicles I. was going to say this other one we have. at $166,000 of value so good job with. there what's the other vehicle um. motorcycle Kawasaki so probably a few. thousand uh like six I think is what I.

looked at it which I'm trying to sell it. sell it yeah cuz I don't use it so yeah. dude that isad of taking care of some. dead you Kidd me that's not even an. option you yeah what are we doing okay. um okay PNC. Bank uh anyy balance 460 that is pretty. risky never know when certain things oh. my this is all highlighted which means. it's all bu 80 bucks on on Amazon butter. crisp Diner Amazon something oh you went.

inside the market got. something in. post McDonald's Barkley Oak lots of what. are these Google things are these inet. purchases or you Android yeah oh so. that's what it is it's not Google it's. you buying things or getting. subscriptions or something Fall Fest Ain. any Ain ain't a any any occasion. Brazilian bites Brew Pub smoke Galore.

please don't tell me you're giving. yourself cancer I don't smoke cigarettes. great yeah the other ones are so good we. had someone with the collapse lung on. the show fun fact how she kept vaping. keep doing that I get you good places. subscriptions are in at purchases. McDonald's Spotify can't afford to live. but guess what guys at least we're ad. free comedy comedy comedy lots of very. expensive comedy and then Voodoo chicken. and Burger King and Frenchman art bow me. go inside and get some boat from the gas.

station. matasa um. [Music]. pantel huh well let me see it which one. Cris Diner more panon nael I don't know. what you're saying the. bottom more p alel and panisa oh that's. probably a Google Play. what are you doing cuz there's like a. million there's like a 10 more on this. next page they're little and then.

Flamingo Road Farm yeah but what are. they is what I'm asking cuz they're. stacking up to like like a 100 bucks or. something well butter crisp diners no no. no no no no no the Panton or lisal I. don't know because I don't are video. games are you buying gems are you a. little gem girl what are you doing yeah. stop you can't. live I was dopam mean seeking last month. it was really. bad it's not cute I know it's not cute. but it was really really not. fun go to a park in the.

sun do you see how pale I am I'm. translucent I sunburn in like 45 seconds. oh that's interesting we've never. invented sunscreen before I wear. sunscreen I still sunburn wear stronger. sunscreen I wear SPF 75 I have the. whitest creature that's ever been born. in this office her scalp burns the. moment she steps outside like I get it. she's a ginger she's a disgrace to. society I understand what it's like so I. go everywhere with her and then she.

melts okay so you can go. outside venmo venmo venmo venmo venmo. venmo venmo venmo great who are you. venmoing Veno everyone in the life my. roommate probably. okay yeah yeah $100 $100 on your little. inapp. bull more PNC ,000 hours in this one so. that's actually yeah so the this one is. my debit card account where I do my.

spending that one is also a checking. account but that's where I do all of my. bills out of why over complicate it so. that's if you literally just have a. budget you don't need more than one. account you're don't have a look where. it's ending yeah look where it's leaving. us I I thought having it separated like. this so if I kept all of my money in. that account when did you think that. about two years ago wonderful how have. we been it was great and now it is great. for six months for a fourth of the time. so maybe not a good statistical average.

to go for so potentially we don't can do. the thing that's not working so it's a. crazy concept it did work then but it's. not it didn't work 75% of the time why. the would I bet on the 25 what are you. talking about because if I go back to. the habits I had it's worked 25% of the. time since you tried to start so it's. not working well right guys what am I. dealing with here stop please stop $82. in this [ __ ] accounts again what is.

it savings something I don't know. Chase ah I can't read it it's either. $948 or. $600 uh six six. something it's really blurry Chase. doesn't let you download statements and. then make reactions on there for your. privacy with the screenshot and that do. it it's really bad come on Chase. okay this just mostly moving money cash. app $256 in there money coming in what.

are you getting 15 bucks five bucks 25. bucks for what I honestly have no idea. bonus tatas no. okay oh sometimes I'll my friends will. cash at me stuff if I like take them out. to dinner they'll cash at me back you. can afford dinner $234 in this account. again this is where the money moved into. because you did not have enough money. and there it is right so that's what I'm. saying that's why I'm confused about the. cash advance it should be.

there because uh $10 went out there it. tried to pull out $10 there $150 in. there I don't know um I don't know at. the point of this you had negative $5. and that's when it dinged yeah so you. had $4 to start with and then it tried. to pull out $10 so are you. surprised so it brought in money now. you're paying 30% interest on it Well. Done $78 this looks like credit card.

what is this it's a credit card and. savings account that's where that oh. savings yes so I have that completely. out of sight out of mind so that way I. don't spend it you're set for life 700. bucks well I only started that about a. year. ago what that's joke for a year well. it's if that was our Focus not. necessarily that it should be but don't. try to make that sound good saying. that's okay I I only started a year ago. well it only does like 10 or 15 or10 or.

$20 a month it's just more of like it's. that's not my my six Monon Reserve that. I'm trying to build that is just an. extra savings account how would you have. an extra savings account what do you. mean you don't even have a normal. savings account well I do it yeah was. $60 it. didn't I move the [ __ ] what do you mean. if you don't have an emergency fund why. the we have another savings account what. are you talking about because if I don't. have the money in sight I'm not spending. it why wouldn't it just be your. emergency fund why are you having. something separate that's not your. emergency fund when you don't have an.

emergency fund CU I want my emergency. fund to be in a high yield savings. account I don't care put that there you. don't have a dollar you don't have any. money saved out for an emergency fund so. why is there a separate account do you. not understand my question no if you do. not have the basic minimum required. savings account why are you trying to. build this extra one that you are. supposed to do after having this one. remember that convers ation earlier. about having a couple of good ideas and. really bad execution this is a really.

bad execution I hate this this is like. that's not a real answer your real. answer is like I already know I'm up but. I do nothing to solve. it stupid it's legitimately stupid can. we be honest yes that's dumb and that's. not see there it is again she knows it's. dumb but she doesn't do anything about. it this is this is infuriating you can't. just it's not that I want you to. disagree age with me but the fact that. you are 100% on board and agreeable with. everything is has to be incorrect cuz.

you're overdrafting you have late fees. on every account so there is no way that. you actually agree with me because if. you do you would be doing something but. you're doing nothing which means you. don't either you you're you're the I. agree that the decisions are stupid I. disagree that the reasoning for them is. bad because I have or had a plan total. income that comes in. $4,750 [ __ ]. this debt is a joke dude you can make.

money and your minimum Mony payments are. not stacking up to that much for your. money your rent situation is beyond. blessed come. on your debt minimum payments are. $260 what's your total rent again 800 M. that including internet and everything. no internet is about 100 and my phone is. also about 100 you pay 100 for internet. yes you pay for the whole internet yes. it's a tax right off the whole thing are. you 100% sure have you looked at that. cuz you know when you do when you.

calculate a space used for your taxes. you do the room that you use you can't. claim the whole place you're sure for. internet at your home yes cuz you're not. only using it for work that's what the. CPA told me okay I I I don't know about. that again you're sitting down with the. advisers we're going to connect you to. phone bill 100 bucks not bad if you. don't own your phone I'd switch to. helium it's the same towers as T-Mobile. it's 15 bucks a month what I hate. T-Mobile I had T-Mobile for like two.

years I switched to AT&T and I've never. had the where AT&T yeah nobody likes. AT&T though I love AT&T I guess it's. just different areas I've never had an. issue with AT&T oh really like it's a. little bit more expensive but always. sucked here well I also pay a little bit. more because I have like the the. priority data so I never well I don't. care I've only had good with Verizon and. T-Mobile but whatever that's fine we'll. put it as 100 gas V room Drive Drive. skirt skirt crash crash um tolls and gas. I don't take tolls you creature I have.

to you do not have to there's always an. alternative the alternative in the south. at least the alternative would add 30. minutes to my commute there you go. wonderful you got it congratulations how. much is the toll every time you go. through two and a half. bucks one way so it doesn't charge me. going back the other direction it only. charges me going one way across the. bridge it probably works okay how much. um I would say probably. 250 okay car insurance. I have full comprehension I just pulled.

it down a comprehension. yeah comprehensive yeah is it not full. comprehens oh full. whatever that one the one that covers. you don't have comprehension of anything. that's so fair um I so okay I just. brought it down a little bit it was 360. I think I brought it down to. 280 renters insurance my roommate covers. it so it's included in my living.

expenses but is it under your name the. insurance no you don't have r i covered. party but it is not. like okay TP found anything else you. need to survive this is your nails is. your toilet paper whatever $100 you get. a meal prep use our uh menu and. everything meal plan in the budgeting. program to get to your needs 300 bucks. for groceries cooking a couple times a. week congratulations yes very exciting I. cool Healthcare anything like that. monthly basis uh yes I would say. probably 150 a month okay cool any pets.

yes how what I have a cat cat food how. much oh uh come on let me think I think. it's. 120 plus her. medication including her medication. including her medication okay pet. insurance no get pet insurance yes I. need to she's getting old and I need to. she's getting old you might not be able. to get pet insurance oh you f up yeah IR. responsible okay then I'll leave that.

blank for now no. subscriptions what do you need for work. stuff your your extra work how and what. how much in. subscriptions or ongoing. expenses I don't think I have any. subscriptions for that. but what was the one I was just thinking. of it was right there oh probably. something big long purple and. floppy it's not a subscription it's a.

onetime purchase uh I looking for work. no uh okay if you can think of let me oh. the um the video editing software how. much uh $60 a. quarter okay then we'll put that at. 20 congratulations as we all expected. this entire conversation it's super easy. you make double what your minimum of the. expenses are you're just acting like a. child and you're enabling Yourself by.

endlessly making excuses lots of bad. things were in your past but you're. allow you're allowing them to be a. [ __ ] as of why you're not allowed to. get ahead uh congratulations you're able. to pay off all your debt except for your. student loans in about four months and. get a fully funded emergency fund in. about four more months what a joke come. on this are you kidding me come on this. is so stupid in an extra multi th000 a. month this is so. dumb I'm done with this conversation. you're literally just using crutches. it's so stupid I'm sorry but that.

irritates me you can get out of this. almost easier than anyone on the show. what a joke come on spending a budget. you were under but it still was very. close and none of it was going to. actually making progress on debt and you. weren't making minimum payments three. out of 10. debt well okay the past IRS debt so. that'll include something else okay well. okay let's think for a second okay so. you have an extra 2,000 and let's call. it 2,000 cuz you're going to set the. money side for taxes you can get out. that one two three.

four. five uh about 5 and a half months and. then uh oh let's call it 6 months 6. months IRS will save up about 10 so you. can do that in about five so we're 10. months in cool so 10 months in you paid. off your past taxes paid off your past. debt save up for only for emergency fund. which for you it's going to be about. 10,000 bucks that's call in another 5. months really actually you have you have. 250 bucks left extra month so it's going.

to even go quicker from there but. whatever I think uh yeah yeah sure just. over a year congratulations. wonderful but your D is stupid but. luckily none of it's in collections but. it is because of what you're doing and. not making the payments and student. loans so I'm not going to give you. better than a 2 out of 10 if you're. actually making your payments on this. for your debt situation it's not the. most dangerous or worse but I'm going to. bring it down because you're not me. you're just it up so bad emergency fund.

of like a little bit set aside one out. of 10 you're almost a tenth of the way. there retirement anything you need to. catch up on that quickly but we'll talk. about that in the followup when you're. ready to come back on the followup. YouTube channel real estate and you can. take the investing class as well you'll. do both real estate 0 out of 10 for now. it's going to be a hammer Financial. score wonderful. 1.5 out of 10 guys make sure to join us. in the post show we're going to talk. about a lot of that more x-rated stuff. that we weren't able to talk about in. this cuz of demonetization things it's.

getting a bit more strict on that. unfortunately uh so make sure to join us. there and make sure to join the elite. version Hammer Elite if you want hours. and hours and tens of thousands of extra. hours of content in live streams and a. bunch of fun stuff that we do here I'll. see you guys in the post show you're. trying to act like a little victim no. not a victim you're still young but. you're so dumb I don't like her I'm. starting to not like her she just looks. at me and she gives these I'm cute faces. ad shut the up with this we're talking. we're talking about her like life and.

death and she's just like yeah I'm an. idiot it was pretty frustrating I have. been told I'm the dumbest smart person. all right tell us about your on that I. don't [ __ ] care yeah I want to know. about only F what part where I like to. watch the financial audit post show. click the join button below.