Failed OF “Model” Is A Literal Clown | Financial Audit

I do have only I make about $200 a month. 200 my bills are paid you lie. congratulations you lie I don't consider. that a bill what the are you talking. about how do you not consider that a. bill I consider bills right now for Lay. survival so you go any amount of debt. borrow anything doesn't mean life or. death you don't have to pay it that's. what you think that's what you think. debt is that's what you think Financial. Security is at this point. yes hello my name is Tabby I'm 26 I'm. from Houston Texas and this is financial.

audit thanks for coming over from. Houston what do you do for a living. there so I am a manager at a bar near. the um near the. Co near the co okay cool which could. make money but I bet it's a pretty. seasonal job is this hourly is this so. it's I make an hourly plus tips what's. your hourly uh $5 an hour the manager. makes tips yes M cuz I'm a lead SL. manager so make $5 an hour and then I.

get part of tip share okay now obviously. you'd get federal minimum wage if your. tips don't equal above that but I assume. they always. do so it looks like the payroll that. came in this previous month was. 2,178 yes does that sound about right is. that an average month yeah okay and how. many hours do you did you work for that. I want to say total it was about 65.

5 yeah about 65 for two weeks oh okay. yeah for two weeks okay I was going to. say man I wish that was weekly well not. 65 hours for 2000 yeah but okay and how. much of that is cash I had no cash on. that one cash is straight to my pocket. and I don't okay so we don't even know. how much no I just guess to make how. much I make cash how much you make extra. in cash probably about I want to say. about.

300 every two. weeks okay so it's really not boosting. it that much so. 2. 478 so. 2500 you're probably not claiming that. cash anyway. um all right well how are we living on. how how does how well I guess I mean. that's 2,000 well you said every two. weeks 300.

right mhm okay so 2,700 let's say 2,700. 2,800 how do you feel living off of that. decent I want it to be better but I'm. surviving right now it's all I can. really ask for well what does survival. look like right now off of like 32,000. bucks a year. um my bills are paid and um kind of I. mean you have collections usually that. means bills were not paid certain bills. were not paid okay so bills are not paid.

yes but ones that count like rent um my. card note stuff like that they are paid. okay mhm and I see Facebook pay $9 yeah. uh I'm have digital Creator status on. Facebook so I had a post that went viral. so I made like nine bucks off of it it. goes viral and you made whole dollars. yep mhm is a video post no it just text. it was a screenshot from a dating you. get paid for that wow for just a picture.

so it's not even a video that's. interesting I'm sure some people can. make some good money off of that if you. do it repeatedly oh yeah and then cash. check deposit of. $114 uh oh so that was I did put some. cash into um my bank account okay yes. all right so what's going on today you. don't have a ton of documents yeah but. what's going on because each of them are. certainly interesting that's for sure. yeah so so yeah biggest picture is I do.

have a lot of debt between my car and. between personal loans I've taken out. and you know with my Collections and. also with my student loans the biggest. thing the reason why I did come on the. show is because I do need help figuring. out how to pay for school because. obviously scho yes I want to go back to. college you want to go back to college. have you done any college um I did like. a couple months um at couple months in. one semester at a college and and um I.

had a um so what happened was I got a um. partial scholarship from this one school. is for wrestling um I got a wrestling. yes so you could kick my now if I make. you too angry okay very much so I'll be. aware yes um so I got this partial. scholarship so I decided to go to this. can you kick my producers in the post. show please yes I got you thank you yes. well w WWE over here I got you yes um so. I went to the school and and it was a.

week before Nationals and we were at. practice and I tore everything in my. shoulder damn yes um so essentially that. was the end of my wrestling career so I. decided to pack up and just move back. home because I didn't want to stay is. that in Houston no so this this school. um home Houston though Houston is not. home so I've only been in Houston for. about four years I'm originally from St. Louis Missouri oh okay interesting so. yeah I moved here uh moved to Houston in. August of 2020 and it was the craziest.

life decision I ever made um it was it. was definitely a manic episode really. yes I oh okay yes like this is like a. story to tell um so I'll get into it now. okay cuz my brain's going to forget it. if we jump around so basically what. happened is that those nails are wild. thank you. that okay. yes um you'll see how much those cost me. in that report to Yes um that's a whole.

another conversation though anyway so um. basically how I moved to Houston was I. in Lay manic. episode took a job transfer to um the. company I was working for had a job. opening down here in Houston so I took. it I found an apartment sold my car I. had bought a new car and moved down here. in 3 weeks I just packed up my life and. just moved I did the same thing awestin. yes not in a manic episode I got a job. offer yeah that doesn't necessarily mean.

it's a bad thing yeah no no it was the. best decision I ever made but at the. time there were no thoughts just. move okay yes sure. so self assessment MH let's do a. financial score zero being the worst 10. being the best where do you think you're. at today probably like a two two okay so. definitely on the low end for sure why. do you think you're two because I have a.

horrible shopping addiction really yes. like okay crippling shopping addiction. um crippling yeah what have you sought. help if I could afford a therapist I. don't feel like I would be here well. um yes with how many hours you work I. don't know do you get health insurance. to work okay have you checked out the. exchanges so I have I do have I've. purchased a um your income's low enough.

I know so I've looked into it it's still. like 100 um $150 a month which is it's a. lot of money yeah but that's it's that. would be 5% of your income to literally. you don't have health insurance right. now no but I have that could completely. you that's really not an option I mean. it already has but I'm at this well. because if I had health insurance I. wouldn't be in a lot of medical debt. okay yes yeah I mean that's something. that unfortunately we don't yes you.

technically get to choose but really you. don't cuz you need it dude you'll. yourself any other sources of income. here cuz we're not bringing in much I. don't know how you're surviving so I do. have only um but it is yeah I have a my. o account um but it's a pure passive. income I make about extra like $200 a. month I hav't posted since 2021 so it's. purely passive income 200 even doing.

anything for 3 years and so just. subscribers who forgot to cancel no that. they still enjoy my content they'll. still message me and they'll be like I. love seeing your videos stuff like that. the world's a weird place yeah mhm yeah. so that's extra $200 a month and you. stopped because you no longer want to do. it well so back in 2022 um came out with. these um restriction uh basically if you. wanted to post content with somebody. else they had to have account and most.

of my content was with people who I were. either hookups or were people I was. dating at the time and stuff so it. really put a stop to put posting certain. content and then the certain content I. like C that type of content was the one. that made me the most money so I'm like. I don't even want to post solo content. anymore so I just stopped so now I just. make passive income off of it I mean. yeah but 300 bucks it's not really okay. okay okay I mean it's literally free.

money sure but like we're not really. pushing the needle I was hoping we'd. have some extra income extra job extra. something that's like that's little yeah. it is money but it's okay and then I'm. also a freelance interior designer too. oh okay so it keeps going um yeah so I. have um every so often I do pick up a um. job here and there you know a couple. extra $100 you know someone needs me. three or four hours to help them pick. out tile help them pick out Furniture. stuff like that um.

nothing steady the last few months of. construction have been really really bad. um a couple months ago I lost my job. that I was working um through a. construction company was working as an. interior designer and a sales rep. company went under because we weren't. making any sales with how bad the. economy was in Houston with construction. um with residential okay so lost my job. and this is why I have this job. now all right yeah cool so let's talk. about your first St what even is what. are you trying to lease to own um so so. I went to best py and oh yes um so I.

bought a computer I bought a Nintendo. switch and I bought Apple watch all at. the same time that at least you're. wearing it people come on the show and. they have the finance and they don't. even yep how much was the computer then. if this was the $2000 purchase but you. got a Apple watch and a switch Yeah and. the computer yep yeah yeah so how much. was the computer then uh it was. $495 kind of computer's $400 is it a. Chromebook one that was on sale it was. originally 00 is it usable okay yeah I.

got it to use to be able to use with my. design software and stuff like that oh. oh. oh wait I want to make sure I'm reading. this. right am I understanding this to say. that it only costs 97 for all of it yeah. mhm but you're going to pay a total of. $211 yeah I haven't made a single. payment on it yet the are you doing. this is the insane thing ever for a.

laptop you completely negated getting a. laptop on sale you're paying an extra. $1,103 what is this why' you get like a. Best Buy credit card if you're going to. do something this stupid um I didn't get. approved for Best Buy credit card so. that was the X option. yes no the next option would be don't. get it well I did did unfortunately need.

the computer for a job that yeah but how. much you really making on that huh how. much did you make so I bought it for a. job that required the computer and then. I left the job like a month. later and yeah so I didn't make any. money off of. it because I haven't had also I haven't. had a single design consultation since I. bought it so see so you didn't need it. also just go to the library I know. Houston has some yes no I mean I do use. it to on Twitch and stuff like that oh.

my gosh you do like so many things this. is a 121% interest rate right am I right. am I doing that math right like this is. insane that's insane this is a payday. loan version of a Best Buy thing this is. crazy yeah this is insane and you don't. even how much do you make off of. streaming nothing cuz I just do it for. fun hobby yes 120% interest rate hobby. that does not make sense and I'm not. saying you shouldn't stream don't get me. wrong I've been considering streaming.

myself for a long time and I just. haven't cuz I'm scared. but that's an insane you. 121% interest rate of death wait okay. when was the first payment due that you. haven't. paid um April I think what are you why. why why haven't you paid that's just. irresponsible that's is wait you told me. you lied you lied congratulations you. lied did you know you lied. did you know you lied no did you know.

you lied cuz you lied you said I pay my. bills my bills are paid I don't consider. that a bill what the are you talking. about how do you not consider that a. bill it's what what what are you talking. about it's more so I consider bills. right now for Lay survival what yes so. like rent any amount of debt borrow. anything take out mortgage take out car. loans take out any kind of debt ever and. you think because of something the. contract that you sign but it doesn't.

mean life or death you don't have to pay. it that's what you think that's what you. think debt is that's what you think. bills are that's what you think managing. finances is that's what you think living. is that's what you think Financial. Security is at this point yes how. explain yourself cuz that's some. well what's the minimum monthly. payment how about that how about that. let's see if this is Affordable to you. or not huh how much so it's supposed to. be $83 every two weeks okay I think you. can afford that again that's 5% of your.

income. yeah so do you not understand how that's. I mean that's that pisses me off that's. legitimately upsetting that's just. irresponsibility yeah I it's disgusting. you make half that from your only doing. nothing so what. the Yeah I've kind of been ignoring it. yes no what no why do you think I'm just. why do you think I'm reacting this I. know. that wasn't an answer this is also why I.

kind of do need help because I okay let. me help you pay the bill guys I know you. can't smell me through this computer. screen but something that you must know. about me is that I love to make sure. that I'm always smelling fresh and to. smell fresh you don't have to spend a. lot of money that being said let me tell. you about scentbird the ultimate. subscription service that lets you. experiment with new scents every month. imagine having access to over 700. fragrances including big names like. Prada Burberry Versace and Niche even.

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that's just over $7 for your first month. and trust me it's honestly a steal for. what you're getting what do you think. what would I say I know but more so of. like a lay budget because I have no idea. like I have no idea. what's what's coming in what's going out. it's hard for me to sit down you. crippling shling addiction why haven't. you sat down and budgeted why haven't. you okay just like anyone that comes on. the show you get our budgeting program. for free go through the education take. the quizzes obviously I am going to help.

you diagnose where spending is and. create you a rough budget at the end so. we can talk about debt payoff strategy. but go through the educational program. just like anyone else can go through do. that you also get our investing program. for free which is which is great because. it means you get literally. $100 that I give you for taking it yeah. so thanks to Mumu our boys love them but. so do that will help you with the. educational part and I'll help you. understand where you're spending is. going but this is crazy this is crazy.

and at the time it seemed like something. I needed to do because I did need the. laptop but the if you don't know what a. 120% interest rate death of debt is feel. free to come on the show Caleb. hammer.com. apply so I know the interest rate is. really bad and I do regret getting it. that's good but but you're not paying. your payment that's what kills me yeah. no I am not and I will gladly own up to.

that but do something. yeah that's what I'm here for this I I. don't I don't I I I I I can't I can't. make you do a payment I'm not a magical. Cur to doing a payment if you wanted to. pay this if you wanted to be an adult if. you wanted to be responsible you could. have done. this it's hard for me to sit down and. envision myself giving this money away. like it's where this money coming from. and stuff like that this is I've you.

borrowed it you signed a contract when I. tell you I've never created a budget in. my adult life I've never created a. budget in my adult why haven't you tried. I've tried but it's. never worked out because I always felt. when I sat there and I created it. that it gets disheartening when you sit. down and you look at a budget and your. expenses are more than what you're. making sure so you you party how many of. those expenses were choice that you were. doing that you could cut back on at the.

time unfortunately it was not because my. rent and at the time what's at the time. so at the time I was getting a wage. garnishment from the government for my. student. loans when was this this was back uh. before 2020 it was back in 2019 this is. forever ago okay that's ancient history. now why haven't you tried to make a. budget since then um I kind no offense. but I don't really care about 2019 what. you did in 2019 does not define you. today that's so many years I've been. kind of living in a kind of a brain fog.

when it comes to money kind of survival. mode just trying to like yeah but it's. not not not think about it just try to. survive and just hope for the best isn't. that decreasing your chance of surviving. yeah I know but at the time when you're. trying to do that it's trying to survive. you don't see it that way you're just. trying to but wouldn't trying to survive. meaning putting any kind of action. behind. it you're putting head in the sand. that's not trying to survive well not so.

much. so during this time of survival I was. working two jobs 17 hour days 18 hour. days just to keep my head above sand so. whenever bills came up I paid them good. but it was more so debts debts went to. the side debts bills I know but it was. more so surviving being able to keep. food in my stomach being able to pay my. rent being able to make sure I have and. that does come first don't get me wrong. but something tells me you may have gone.

out to eat and. shopped on top of. that not as much as I am now how's it. why has it gotten worse um just because. I have started to make more money so I'm. like oh I have this money to spend INF. yeah you've inflated very much so and so. I'm like ooh I make more money so I'm. like let me spend more money like what. was it $36,000 a year it's not like. you're making an insane amount of money. and that's not an in shame it's just the.

reality and it but compared to what I. used to make minute how much you. spending on just Insanity I mean going. out to eat is 6.4% of your. spending going and getting your. shopping addictions is 13.6% of your. spending that's crazy I mean that's. those are insane percentages when you. literally are not paying your bills so. total that came in was. 2,300 how much do you think you spent. what went out.

uh I want to say about. 2600 it's close so the fact that you. think H okay I'll tell you the number. first 2,494 so it is more obviously. almost like $200 more than you brought. in but the fact that you thought it was. $300 more than you brought in you are. already kind of. aware yeah I'm very much aware of my. spinning habits but no actions. no okay so we have. this I'm sure they're hounding you down.

five times a day they're calling me okay. have not answered a single phone. call you're considering going to school. how are you going to pay for school if. you can't even pay a little Bill like. this what you what are you even going to. school for uh construction management Oh. okay that's cool. mhm yes so I want to become a project. manager and then move up to. superintendent and the goal is within. the next 10 years of my life to. eventually own my own construction. company okay yeah okay so well I'm.

trying to get myself out of the hole I. dug myself into but you can't even. manage your own like basic personal. finances like you got you do have a lot. to learn before i' would want you. managing business finances but you still. how are you going to pay for school is. this a bachelor degree no Associates two. years at a community college okay so. it's 83 credit hour so I'm trying to. figure out how I can pay. for that out of pocket how how how much.

is it per semester. so it's $83 per credit hour and is about. 14 credit hours per semester that's. really that's that's super easy you. could do that if you wanted to but I. mean right now again you're spending. $200 more than you make always happy to. gift any guests down here of course. careers Tech certificate but obviously. that's not Tech but if you ever want. that to add your resume just let me. know okay is this the same lease to own. that we already saw Yes mhm okay yeah. and.

it's yeah okay cool there's your. bi-weekly payment rough and it's over. the course of a year and it would be. paid off but you haven't made any pay no. I have not and so there was a 90day. buyout for it if you paid it within 90. days it was just the amount that you. paid it was amount the. 991 if I paid it within 90. days so so we're creeping up on the 90. days so now we'll go to automatically to.

the 12 months. yeah I I don't understand why you didn't. put any effort it just became a back. thought okay I still okay I still don't. get. your. no oh me I just learned something so. let's jump into that. that wait a what is this car yes it is.

can we get like extra confirmation on. that. cuz 2013 Chevy Spark um so let me give. you the rundown on this thing okay so I. bought this car and well I'm went to byy. Here Pay Here place in okay uh October. of. 2022 and so this place the reason I went. to this one cuz I only had $700 to put. down for this car cuz I needed a car was.

without a car had five car accidents. prior oh my what are you why yes um all. all only one was my fault the other four. were faults of other people okay um but. the one car accident that was my fault. was I was the only person involved and. was that the fifth one uh no that was. actually the fourth one okay did. insurance cover the fifth one um no so. the fifth one was a car caught on fire I. was driving it Oh My yeah it it was done.

for you didn't have any insurance. necessary for that so I paid that car. cash and it caught on fire three days. later okay okay so you went and got this. car. yep yes and um so back in October 2022 I. went and got this. car um the you can see how much it was. for if I were to cash it out. $155,000 but I financed it in $223,000. youing what yep.

$23,000 what's it what's Ed on it today. that's my gosh okay what's OD on today. oh they just they so hard you have no. idea oh yeah no you don't you don't know. yet well you don't know yet so the way. they set up the loan is guaranteed to be. paid off um in. 2027 can't kill me now it was a. seven-year loan okay mhm oh wait 2022. 2027 it so I bought in October of 2022. and oh yes um that's actually oddly not.

the worst for the show what's the. interest rate uh 28%. oh not my worst not my worst no sh I saw. 110 earlier that doesn't mean 28% is. good what is Ed on this car it's still. without the principal balance on it is. $112,000 the with you paid off. half with the interest so they only. What's the total load well they won't. tell me the total amount with interest.

when I go to pay make my payments on it. it shows this. $112,000 okay but not what's interest. acrw on top of it yeah so okay all. right I'm seeing $133,000 yeah are are. you sure sure about what that it's uh. that I bought it for $23,000 yes the so. the company the loan was sold to a. different company so we don't even know. how this okay and when it was sold to a.

different company this is the amount it. dropped down to what's your minimum mon. the car payment $135 a week a week yes. oh my gosh I haven't had one of those. since like the third episode I ever. recorded I mean they just I just heard. one of them almost have just a financial. orgasm back there because of how insane. that is that's insane. $540 a month. and which which again it's just you.

breaking it down by week is what makes. it crazier but that's how they make it. digestible for you now you what now your. what's the condition of the car it's has. no AC so well I mean it could just be. recharged maybe no it needs a whole new. oh sure whole new thing oh sure um so a. no AC um has 130,000 M on it mhm the car. only lasts about 150,000 miles so in. probably about another of the car though.

poor okay yes so we've taken that in. account and got your valuation what do. you think this car is worth that you owe. anywhere from 13 to $20,000 on car maybe. it's worth $55,000 this blew. my mind and I'm going to blow my own out. $1,389 and you owe potentially $20,000. lowest 13 yes yeah this is the most. underwater insane.

car yes you're paying a third of the. car's value in a monthly payment oh yeah. every month this car. is a car that should have never been. created there's not even anything you no. do cuz I also don't have insurance on. the car either what that's illegal. that's illegal so the dealership has an. insurance policy on the car no that's I. don't think that's no no no but you're. not insured so I have liability on the. car but if anything were to happen to.

the car it would be paid off but. anything at all mechanical yeah they. have they have some Gap yes so the in if. anything happens to the car itself it's. taken care of that doesn't matter though. it's still illegal for you not to have. insurance yes I what up with people. admitting to breaking the law on this. show is this just like I am absolutely. aware that I do not have insurance I am. working on it working on it how long. have you had this car 2 years what do. you mean working on it I don't see any. working on there's no working on it. happen still working on it I don't see. working on it I've had lapses in.

insurance so there have been times where. I've had insurance and there have been. times I've had not had insurance and now. one of these times is just when I do not. have insurance is it collateral. protection. damage for insurance that they have on. you like what it's insurance on the car. so it's only to cover the car if it's. not to cover me so if I cause any. damages to anything else but what will. it cover up to the loan balance are you. sure yes it's going to take care of the. car outright cuz once the car is gone. they said once the car is gone it's done.

it's gapped there okay yeah but it. that's the only thing it covers is just. the car it won't cover if I crash into. anything or hurt anybody or anything. like that it only takes care of the car. itself I would drive in a massive circle. around. Houston 24 hours a day. for a little while and let it no longer. work if that's the case weing hurricane.

season but I'm literally taking your. word on. that it's taking your word on that and. these people obviously you I don't know. why they would. do that for you it's more so for the car. because once the car is gone it's done. there's no reason for them to keep. collecting payments on it that doesn't. make sense honestly for their. perspective though they want to make. money. doesn't matter if the car exists or not.

if you took out a. loan they want their. money I I I I really don't think you I. don't know exactly yeah that's what they. that's what they told me when I signed. the paperwork yeah are you sure you. fully understood it though it was back. in October 2022 and I have no longer. access I literally contacted the company. that has the loan out for the papers my. contract and that's that's the only. thing they sent was that right there. that's said that they said that's the.

only thing that they could give me yeah. but the loan company are are they the. one that. has this doesn't make in make sense I. honestly think you're kind of on this. thing if I had to guess but it is a. guess cuz I really don't think unless. there's also what what if you hit. someone on the way home today what if. you're get in a crash there. you know it's a lot of driving I know.

and it does haunt me the fact that I. don't have insurance uh so maybe you. should have got an insurance it just a. laps and coverage laps and coverage how. long has the lapse been um it ended I. want to. say in February you that's not a lapse. that's a gaping hole I've gotone a lot. longer without it so that makes this. okay because you were even more. aggressively stupid in the past it's.

more so not having the money to P for. it's not having the money to pay for it. quick reminder 6.4% of your spending. went to going out to eat about 14% went. to going and getting. clothing in additional 9% to just other. things that don't really matter at the. time goad say it again at the time you. don't have enough money in February you. can't afford it that way because you. don't have enough money February I don't. give a about febrary we're not in. February guess what month we in we're in. June well that's the spending from last. month so what about last month so which.

was not February February is when I lost. Insurance we're still going to talk. about February yes because it does play. into this so I lost the insurance in. February because that's when I lost my. job and had been without a job for about. two months and so now just going back to. work and being able to finally catch up. and getting everything squared away I do. owe the only company that will accept me. is Progressive which is the company I've. had for years now so I do owe them a. chunk of money um that I've been trying.

to get up so I could get insurance again. I'm still very concerned on this. situation and your lack of you don't. even know like what the actual loan is. right now no I do not this wasn't from. the loan this looks like the purchase. agreement yes that is the only thing I. have because that's the only thing they. sent me the lean amount was only 15,000. MH so I don't know where you got the. 23,000 for them that's what it was. financed for I tried to get them to send. me the financing paperwork and they told. they couldn't no and you know they own.

the loan yes cuz it's who I pay to for. every that's who I pay every week legal. even I don't know I don't know I don't. know how Buy Here Pay Here Works in but. they you said so yeah the company I. bought the car from sold the loan to a. different financial company yeah happens. all the time yes so I don't know what if. they fixed the interest rate or if they. were just playing on the principal I. have no idea because they basically sold. the loan out from underneath me and they.

said hey here there's your new loan. provider I don't know the situation on. it I've asked them and they haven't been. able to send me anything on it do you at. least know what the insurance is called. it's oh that way I can at least look. into it for you I don't know it off the. top of my. head but I can find out cuz it really. just doesn't make sense it really just. doesn't make sense and maybe. I'm missing something here and I'm dumb. and trust me they'll let me know in the. comments but I really think you just.

misunderstood this they're trying to. look into your situation right now and. give us a little bit. of more information on this because you. know we're conversating and. they're okay but until then we'll move. on that car I wouldn't even know how you. get out of that car um just hoping to. ride it till it dies. yeah you you were just burping every you.

just can't stop burping I am sorry I am. sorry it's okay um get into the mic for. the weirdos out there yes they're into. that you know I or save that for your. special platform yes um so with this. loan I am really hoping that the major. thing with her is that she does have. some issues with her alignment and the. rotors and the brakes and stuff like. that and the AC but other than that she. is drivable other than barely being. drivable it's technically drivable yes.

it gets M to point a and point B and. yeah for how long until she dies until. she dies I know that's the because. unfortunately I can't really afford. anything else so I just I got to ride. her till she dies so is it clal. collateral protection. insurance I'm not exactly sure well it. usually protects the lender's interest. in this case it could be potentially be. that yeah it's essentially protecting. the lender against the risk of a. borrower not. maintaining the required insurance.

coverage on the vehicle which you're not. and if the borrower fails to maintain. comprehensive and collision insurance. which you don't the lender can purchase. CPI cuz they know you are ridiculous on. this okay yeah so as far as we can tell. based on the very limited information. remember we're going off a limited. information I wish we had more cuz I'm. sure this is easy to judge right now. we're we're giving nothing. here right now it's unlikely that the.

financier will forgive the loan if the. car stops working or if involved in an. accident typically loan forgiveness. would only occur under specific. circumstances such as a total loss due. to an accident and even then it would. depend on the terms of any insurance. like Gap guaranteed asset protection. coverage you may have which you do not. have so I shall get. insurance but like insurances aren't. necessarily Rec can she be denied for. Gap uh because like I mean with where.

you're at like I wouldn't Ure you why. would I as a business why the would I do. that like I I'd give you you know just. regular general liability sure but yeah. that's with the they did explain to me. when I did get this that all I was. required to maintain was liability oh. yeah that's the that's the legal part. the state of Texas so when I did. purchase the insurance. and when I did have it I did have gap.

insurance with it too liability plus you. lost it yes but because you stopped. paying or because the policy ran out. because I stopped paying it you're. killing me here dude you're killing me. here. okay what the am I looking at with this. so cash app does this thing where it. allows you to borrow money from um. essentially from them um I am into de. I'm in debt to them right now to cash. app yes yes I'm disgusted it's I'm.

disgusted I you know in your application. which we review before people came on. you were literally bragging about not. being in credit card debt that's the. most ridiculous car situation I've seen. in at least a year on the show you owe. money to cash app you have collections. coming up and you're having student. loans garnished before and you have a. payday loan on a Best Buy thing I would. rather you have a credit part instead of. that so how the you bragging about that.

to us like what is happening because I. am very thankful I've never had a credit. card in my life because I know this is. worse. so to me it's not a lot worse because. with credit card debt I could be in a. lot more debt than I am right now. because of how bad my spinning addiction. potentially true yes okay I can okay I. can cons I I see a point there there is. a point there where you would have had. probably higher balances that's that is. true that is true but an interest rate.

at 32% cannot be compared to an interest. rate at 120% you're not going to get. 120% on a credit card even like the most. evil credit cards 35 if if a credit card. company was to give me a credit limit of. it yes exactly so it's it's it's good. that you don't have credit I'm happy. trust me I'm happy that you don't have. credit cards it was just weird that you. were like bragging that that's why I've. been so hardcore you're bragging about. being in credit card debt because you. just don't have a credit card if you had. a credit card you would be in credit.

card D it's not like you have a credit. card and you're not in credit C why I'm. bragging that I don't have a credit card. cuz I know myself and I know IB in. credit card debt so I'm very proud of. myself for not putting myself into that. debt okay I have an exciting Channel. announcement and it's one of the most. exciting things we've done so far by. popular demand we've launched a new tier. to our Channel memberships there you'll. get an exclusive audit that can't be. found anywhere else it's add free and. completely uncensored on the first. Tuesday of every month on the second and. fourth Tuesday of every month myself and.

members of the company will be doing. exclusive member live streams where we. hang out with you and talk about. whatever you want to live and finally on. the third Tuesday of every month we'll. be posting a new behind thes scenes. podcast called crew cast where we'll be. discussing everything behind the scenes. at Hammer media and of course this new. tier gets access to all the badges. emojis and the financial audit post show. this is honestly going to be really fun. and I'm super excited and we kicked it. off this week with an exclusive couples. audit and an updated office tour since. we've expanded so quickly check it out.

Link in the description below and in the. pinned comment I'm not even going to. recommend the normal Fizz card to you. because it's a charge card which means. you'll be forced to pay and I don't even. trust you with that no for most people I. do but not you no I do not trust myself. either at all okay no one wants to give. you a. sticker like so I I don't trust myself. with my financials at all. any pretty much any money I've ever been.

given has been spent and okay how much. money given um you mean given so like. family what is this reaction yes um what. are you doing um so couple years ago my. dad won the lottery story what yes what. did he get uh $50,000 good for him and I. got 30,000 of that whoa generous guy yes. over the course of about a year or so. and in addition to that $330,000 he has. also given me additional about.

$155,000 just out of his cuz he owns a. construction company so if I need money. I will business when did you get this um. it's been it hasn't didn't come in as a. big sum so couple thousand here um. actually 40 45,000 over gross of since. 2021 all together but when was the last. he sent me $100 for my birthday on. Saturday okay when was the last real.

chunk though last real chunk if we're. getting up to that much money it's not. coming in $100 increments um last big. chunk. is I mean he's paid bills for me paid. stuff off for me last real chunk he sent. to me was $3,500 when uh back in 2022. where the did that money go where did. $40,000 go well that 30 what a joke do. you have invest ments no I don't have. and you're not making your literal.

minimum monthly payments on your debts. except for your car and I have did that. money go well that $3,500 went to a. where did the $40,000 go um either got. helped to pay bills. or it so there was a time period in 2022. where I had no job no car nothing and my. dad supported me through that whole. entire time enabled you through that. entire time yes cuz without him I. would have drowned cuz I have no family.

here it's just me here so maybe you. can't afford to be here with your. behavior I've I tried moving back last. year and it got even worse so I moved. back the finances got worse. yes cuz I'm making less and I was. spending more because I was depressed so. I was shopping to fix it. okay you need to see a therapist dude. it's literal just look at Community. programs you live in the fourth largest.

city in the country look and see what. there is for lower income people and. I've looked into it um there are I just. don't meet some of the requirements I've. talked to people about trying to find. resources for health insurance also you. can forge your health insurance the bill. the the the bill that you gave me you. could and then whatever co-pay I mean. yeah the deductible is probably kind of. high and you know it not every therapist. has an insurance and some therapists are. expensive or accept insurance I meant.

and some are expensive so don't get me. wrong it's not like it's easy but you. literally need to because here's the. thing you blew through $40,000 your. spending got worse when you went home. whenever you're feeling depressed you. just go and you spend and you get a. shopping addiction all this stuff that's. not just stopping so I would rather you. spend let's say a couple hundred bucks a. month you know 300 bucks a month on the. health insurance and therapy combined. even 400 I would rather do that for you. know a while instead of literally having.

the spending addiction for the rest of. our life and I only do addiction cuz I. don't really know for your situation. trust me a lot of people use excuses on. this show so I'm taking a Lightly for. now we'll see. but few hundred bucks for a couple years. even could save you tens and tens of not. hundreds of thousands of dollars for the. your life so I've been in therapy for. pretty much my whole entire life and. not once has it ever helped me have you.

found the right therapist for you then I. did and then she stopped practicing okay. and I have not found one since then well. how much have you looked cuz I know you. haven't recently I've tried like five or. six since her and none of them have. worked out and try five or six. more unfortunately so it just it is kind. of just how it works trust me I'm not. saying it's easy it is not easy and it's. hard because you know most therapists. cost1 $150 and most insurances do not. have mental health coverage so that's.

out of pocket I'm paying to see a. therapist on top of it's well usually. for a lot of them they count as a. specialist now a lot of uh therapists. don't do insurance but I mean you can. still find therapists and companies with. with multiple therapists that do accept. health insurance now again co-pay might. be high and your deductible might be. high if you have a lower monthly. insurance payment so most insurance. plans do not cover therapist they'll.

cover psychiatrists but they won't cover. therapist have you but look but I have. tried so I've had health insurance that. has claim to cover mental health but. they don't cover the therapist they only. cover the psychiatrist so I've had to. pay out of pocket for therapists and. when you're someone like me who does. suffer from mental illness you know you. want to see a therapist once every two. weeks but if I'm paying $150 every two. weeks that's outrageous. especially when that first few sessions.

let's just pretend all that is 100%. accurate uh. also uh the correction is saying just as. basic most health insurance plans do. cover therapy but the extent of coverage. can vary widely depending on the. specific plan and provider you obviously. need to shop the provider you need to. shop the plan and I know on the. exchanges there are a wide variety and. you could do it with just a little bit. of work and a little bit of research. it's hard because so w okay okay so let.

me ask a followup question. then now what. so we just accept it we're just going to. literally die in poverty because oh. therapist hasn't work even even if it. did it's impossible to find health. insurance that covers it and I can't. afford it so what we give up we're done. we're not giving up but. I when you have to go through multiple. different therapists to find the one. that is a right fit for you which we all. have to go through yes it becomes very.

costly and it becomes very draining on. the mental health and it turns you away. from wanting to find a therapist CU I've. I get you yes exactly and but we all. have to go through that exactly but when. it gets to a certain point where you can. no longer afford to keep going to. therapist to try to find one that works. for you you have to essentially turn. away and focus on you might have to. pause for a bit but again you're. spending what was it 30 to 40% of your. income on like if we're doing. that forever you're literally going to.

die in poverty without a sent to your. name you know I would rather take a few. weeks off until we have enough for a. co-pay or to pay for a full therapy. appointment and see uh for a couple. sessions that person's right for us and. if we can't immediately go see someone. else until we find the right one that's. fine we can have those gaps to save up. the money if that's what is required. you're just giving up you've given up. and if we're giving up up then there's. literally no point you may as well just. tuck in under a bridge and call at it I.

am giving up on finding a therapist. right now because my only focus is on. going then how are you going to combat. your addiction what about a group thing. I don't know if there's that there's. group things for everything so I'm sure. there's. something I'm sure there is and I've. been doing research doing searching. Facebook groups searching on Reddit. stuff like that to try to find community. support and stuff like that resources. yeah sure yes um the biggest thing is.

right now my main focus and what I. really want to work on. is going back to school like I don't. care about that's not going to stop your. addiction and your addiction is holding. you back at least according to you it is. so I will say I have made improvements. in my shopping. recently because I've been if spending. 30% on considered an. improvement then I'm terrified of where. you were yeah it is an improvement I. can't accept that yes um Improvement.

doesn't mean it was good I mean it is. better than what it was I will say. because it used to be a lot worse where. my bills weren't again I don't but I. can't say this is good though okay let's. let's pretend I need to eat 2,000. calories a day with my activity level. and my weight and my height in order to. lose weight and I was eating 2,500. calories a day eating 200 uh 2,250. calories a day say yes that is an. improvement still not good it would be. gaining weight yes but when you're that.

doesn't mean it's good when you're going. from giving up basic survival stuff so. when I I went saying that so when I went. I went from not paying my bills to feed. my shopping addiction to now putting my. bills at the Forefront okay but not all. your bills trying to put my bills at the. Forefront and for I'm it's a lot better. than it was because I would go without. eating and I would go without having. okay food in my stomach and go without.

being basically almost borderline. homeless to feed my shopping addiction. and now my bills are paid in the sense. of I have a place to live my car notes. paid I have food in my stomach stuff. like that and I'm here now to hopefully. explain your shopping addiction to us um. basically clothes shoes makeup that is. mostly what I buy okay. um I will say the main reason for the.

Clos buying is because I manic moved. back to Houston back in September of. last year manic moved like moved in the. middle of the night and found this was. like 9 months ago so yes and so I. brought maybe like five pairs of clothes. with me okay and so now how many pairs. of clothes I own so now I'm basically. rebuilding my closet um why why do you. need a special closet because I need. clothes to wear I need work clothes you.

already said you had five five outfits. yeah I need way more than that need yes. I don't think you know what the word. need means so if I need work clothes. okay get one outfit repeat it pull the. Zuck the Zuck wears the same thing every. day he's wealthy multiple different. outfits because you know cuz I've had. worked for bosses who do get on to us. and has yours your current one no my. curent one he's wonderful he's chill. cool so we don't need to I have certain.

things I wear for work there I wear. shorts t-shirts workout leggings stuff. we can probably have five outfits for. that then yeah for just work cool five. for work wonderful so 10 total five you. had for fun five for work not for fun. for corporate jobs five outfits for. corporate jobs five. for being working outside at a bar so. five for those so five for actually I.

had more more than five for corporate. jobs because I could pull pieces from. other fun stuff I had so I have more fun. outfits than I have for work stuff I. have probably. about 20 plus fun outfits and then I. have my five standard office outfits and. then my five outfits I wear for uh my. current job um and then I also have my. workout sure I wear the shirt every. other day the viewers can.

decide I don't how many outfits do you. have right now in total across the board. with interchangeable with shirts skirts. and all that stuff probably. about coming close to about 50 okay um. sure yeah yeah sell 25 of them oh I'm. about to dive deep into it you're about. to get kicked off the show back home in. Missouri I have about four extra- large. boxes full of Low's like four moving.

boxes from Low's extra large size full. of clothes cool sell those they'll. eventually make it down here to Houston. or we could sell them I mean I'm not. going to make money I literally buy my. clothes Dirt Cheap so I'm not going to. make any money off of them none of them. uh literally you're not paying one of. your debts from April even if you get a. little bit of money for it like come on. I mean I'd rather have the clothes and. then I'd rather you pay your bills like. an adult. cuz you're. 26 27 now oh congratulations you're more.

of an adult yes yeah and I feel the. pressure of adulthood creeping up on me. trust me we all get it I'm single at 29. kill me but yes like I don't think. outfits is the solution I so I don't. have a lot of left stuff left to my name. the most of the stuff I have left to my. name or my clothes my shoes and my. makeup and stuff. so it my clothes do mean a lot to me. because they're what I have very left of.

me left of you okay yeah you need see a. therapist and I there's nothing I I can. there's nothing I can do with that so I. I don't know what to do there I don't. know what to do. there that's. just and you're not even willing to like. sell you're not even willing to sell a. piece most of the stuff um is not going. to be sellable because it has has rips. tears stuff like that it's stuff that's. rips tears that are like easily hideable.

F let's let's go with this then so how. is the addiction all of a sudden solved. it's not. solved it's then how are you not adding. to it because my want to go back to. school to earn more money so I can keep. going shopping it's not a real addiction. this is something you like so not it's. let's let's let's let's not throw words. Loosey Goosey cuz people today love. throwing words around especially in. buzzword Twitter people throw a coping. skill throw aggressive words around like. crazy and then you diminish what people.

actually deal with who have those words. you know people throw around very strong. words that I'm not going to say on. Twitter about you know a lot of. different things but let's let's use. your example addiction addiction is a. very real thing that a lot of people. then the fact that you were allowed to. say that and be like oh poor me when. you're just clearly just saying oh no. because I want to pay for school I'm. just not going to be addicted anymore. essentially that's like you're not. addicted you have coping skills yes you. have behavior issues yes but the fact.

that you get to claim that word is. disgusting there are people with real. issues in fact we've recorded with a. couple uh we had a gambling addict. recently and we had another addict of an. episode that's not going to come up cuz. it was just you know was the S and we. wanted to help them get treatment. instead of recording but even. still that's addiction you don't get to. claim that word so more so of a coping. skill. help cope with the depression yeah they.

say that's a spicy take I don't know. you're not addicted so I mean you just. said oh I'm not going to do it anymore. CU I want to go to school if you're able. to just do that you're not. addicted so like words have consequences. people have forgotten what words. mean I mean I do know what addiction. means um I have someone very close to me. who does struggle with addiction um. so shopping.

has I don't take the word Addiction. lightly I meant it more so as a coping. skill but I do know how strong the word. Addiction is because I know someone. who's very close to me struggles. hardcore with an actual addiction yeah. I'm the only family member I've ever. lost had an alcohol addiction so that. hits home and close to me so I don't. like someone just claiming that word. both my parents suffer with addiction. too yeah okay so how much in student. loans um I think it's a total of a.

little over $3,000 right now you got. garnished for a $3,000 loan meaning the. loan was 30 bucks a month it was 50. maybe I don't yeah maybe I didn't even. make payments on it okay but you are now. oh wait no no no you probably stopped. because they weren't garnishing for a. while congratulations guess what's. starting up I think this month I got the. notification from hey you got it. garnishing it's happening well not.

garnishing they like hey you need to. make your payment um I haven't logged in. and if you don't they'll eventually. garnish it yes oh interesting I haven't. had I need to call them because I. haven't had been able to get access to. my account to go in there and set it up. I did apply for forgiveness which they. should just forgive it's. $3,000 but that you took out and signed. on the line yes I'm not even saying I'm. for or against it but the fact that you. just say it it's $3,000 it's just $3,000. but it is still $3,000 that you.

decided that the government does not. deserve but you were given I did not get. anything out of that $3,000 well that. was your choice and your mistake and. you're being selfish I wouldn't say it's. my mistake because also the government's. all of our money by the way I know like. so it's my money it's his money it's. your money it's his money mhm it's. everyone's money it's their money so. it's not saying the government deser. doesn't deserve it it's all of our money. I know it's more so the fact that I mean.

I did apply for forgiveness still. haven't heard back on that forgiveness. through what for student loans when. the when the oh you didn't. hear yeah 10 months ago that was struck. down by the Supreme Court but they did. release something else talking about the. save plan to lower your minimum payments. yours would probably be pretty close to. zero. congratulations this week that just got. stopped Lovely by some uh federal courts.

yeah so I have not had access to my. account to log in to see what my monthly. payment is yet uh doubt that I highly. doubt that these are just these are it's. managed by N Net I have net I know you. have access to it no I like I literally. have tried to log in now I'm starting to. not believe you about the car thing. because the fact that you're saying you. don't have access to this you don't have. access to that because I don't the login. information I've been to use on it is. incorrect I just need to give them a. phone call I know I that's not being.

able to get into it that's you not. making a phone call I can't technically. I can't get into it because my. credentials aren't working I just. haven't make a phone call I haven't had. a chance to yet what do you mean you. work 35 hours a week I have not had a. chance to yet you work 32 to 5 hours a. week what do you mean you haven't had. time to I don't think you know what time. is it's hard when you sleep during the. day cuz you work at night day kind of.

just goes away what are your sleeping. hours uh I sleep from about 6: to 4: cool up an hour early one day solved it. for you yes so that's definitely all my. plan to complicated yes glad we solved. that puzzle any other. debt um oh collections that's right. that's right. that's. right cuz we just don't pay our bills.

ever no yet we say we pay our. bills I pay the ones that are first. survival yeah we spend 30 to 40% on. which we're getting to in the. next document I don't know I feel. disgusted from this conversation for. some reason do you not feel. disgusted I a little bit embarrassed. but I will say I have lived a really.

hard life and been in survival mode for. most of my life so I I guess we can get. into that a bit if there's even more. stories but I okay we can talk about. collections first and then we shall get. into it no I'm going to go through the. checking account first then then I'll go. in crisc cross. applesauce and you can story away if. there's more to tell. $260 and in there okay what is pad split. dode so that's for my rent so I rent.

through a company called padsplit oh so. you pay it in. micro I pay weekly for. it it's also yeah because you don't know. how to budget you use to split things. down weekly just to help you. okay going out to eat going out to eat. Victoria Secret cash apping out money. cash apping out money ship these Donuts. going out to eat Outback Sonic miss a. stores. Chick-fil-A Jax getting going inside.

getting some bull Ben and JS Ben and JS. Sonic driving Panda Express rout 21 Bath. and Body Works Bath and Body Works. Victoria Secret I just need to like take. away your if you're not driving to work. I want your car to not. work going. to that is my car payment that is uh for. my car. waterb that's. not main Lofts it was a parking garage.

oh okay and then there's your rent split. and then there's your car payment again. then we got our nails did for. $178. interesting Mal's toes and eyebrows hold. those things. up yeah yep Sonic Drive-In. McDonald's stallion Express Victoria. Secret. so we're spending. on feel free to story cuz it sounded.

like you wanted to say something and I. want to I want to be able to give you. the time without me interrupting for. purchases. so a lot of um the past couple years um. starting from 2021 uh is when a lot of. my big money trouble started is um when. my soonie ex-husband left me and wow. yeah so so we split off in October. 2021 and I fell into a huge depression.

um so I went out and I bought a dog to. try to gain. companionship um I bought it through um. not Pet Land it was some another pet. store um but I paid 1,500 for him I took. out a loan for that for the dog um I. learned I could not take care of the dog. so I found a family that could take care. of him um just because I couldn't even. take care of myself um so I gave him to.

a loving family who could take care of. him um I moved to a new apartment. because the apartment that him and I. were living in was $1,200 a month I. couldn't afford that so I was getting. into serious money trouble also trying. to pay that rent too um so that really. put me into a big buy was to pay that. rent and then I moved into a new. apartment 750 a month which is something. I could afford um and then I mean I.

lived off the base Necessities I didn't. have a couch um luckily I had a bed um. that I got from Rooms To Go that I had. since I moved to Houston um so that I. already paid off um so basically I was. living off the bear bones and be. necessities and I was extremely. depressed going through really tough. time barely making any money didn't have. any friends was falling into severe.

depression because you know you're. getting divorced it hurts yeah that. there there's a term for that is isn't. there sorry just to distinguish cuz. there's like clinical depression that. people deal with no matter what in life. and then there's like life. circumstantial this definitely sounds. like more like life circumstantial which. is just as difficult I mean I've been. diagnosed with this depression since I. was 12 okay um and diagnosed actually. yes so I am diagnosed uh depression. anxiety PTSD and bipolar disorder okay.

well yes um so going through that stuff. um every day was an absolute struggle. so basically living in survival mode is. just basically doing anything I can to. get to the next day um you know didn't. care how much money I spent didn't. care what was going into my body I. struggled struggled hardcore with. alcohol addiction you know H drinking. all the time because I was trying to.

cope with this new part of my life you. know felt like a failure so my marriage. was ending I'm working this job that why. did the marriage end um so it was a very. toxic marriage um you don't need to go. into it if you don't want to it's. basically the marriage ended. because we both had to walk away from it. it was we were fighting all the time. things were about to get physical you. know it was downhill real fast and so we.

did jump into things very very early um. so we moved in together two weeks after. we started dating oh K now and so the. story behind that is when I moved to. Houston I had my own apartment. everything well my mother sold her place. that she was living in sold her house to. come follow me down here and so she. wanted my apartment that I was living in. cuz she just packed up her whole life. and moved down here so I was essentially. forced to move in with him um so we.

signed this lease together 2 weeks into. dating two weeks into knowing each other. um so we signed this lease together got. married six months in and split up seven. months after we got married okay um go. ahead so falling into that deep. depression and stuff um started dealing. hardcore with you know alcohol addiction. sure um you know struggling to to make. ends meet you know um I did start.

selling content on the side um doing a. little bit of work to make ends meet. really yes um I'd love to financially. audit every single one of you but let's. be real I just don't have that time so I. found the next best thing to help you. get your finances in order that's why. I've partnered with Empower and let me. tell you these guys are absolute Pros. they're the number one retirement plan. provider recommended by Financial. professionals they manage a massive $1.6.

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so really diving deep into it um I. almost got into a really bad position I. couldn't pull myself back out of um. getting. into so Houston has a very deep dark. side of it when it comes to stuff like. that when it comes to sex work and stuff. like that and I almost got dragged deep. down into that just trying to survive. and so basically my mind has been on one. thing and one thing only is making it to. the next day M and so when I got into my. car accidents in.

2022 it essentially set me back into one. of the worst times in my life and um you. know it. was it basically about survival and had. it not been for my dad providing me with. that money you know who knows where I. would be now did you go to him for the. money or did he just kind of he kind of. helped me he's like here's some money. you know I'm going to keep you afloat. while you figure it out and eventually. did things did start to look back up for. me I was able to um find another job cuz.

I went without a job didn't have a car. nothing um so I did get another really. good job I was able to save up just. enough money to get that car and I was. able to put myself back up in a decent. position and so now I've been. essentially climbing myself back out of. that hole and now it is 2024 and I have. still struggled with severe depression. cuz I've had more low times in my life. um are you on any.

medication um no um I've tried several. medications unfortunately most. medications because of my bipolar. disorder um have made me. more s um more have more those feelings. sure yes so I have been working on. finding the right um right medication to. put myself on okay. and. wow. so your dad's helping you he been.

helping a lot mhm do you owe any of it. back is it more gift wise it's more gift. wise and I'm at this point in my life I. don't parents still together no my. parents divorced in um when I was a um. sophomore in high school okay do so he. knows what's going on but she doesn't no. I don't talk to my mother I have no. relationship with my mother my mother. um is a um she struggles with addiction.

and she's tried to ruin my left a couple. times outside of following me down here. so um followed you down here yes cuz she. sold her house followed me down to. Houston and essentially forced me to. move into this situation with my sun. ex-husband okay yeah like sold her house. in Missouri followed me down here and. essentially forced me into this. least with this man okay well don't get. me wrong I mean I know I've dug into you.

a lot and honestly a lot of it is. deserved we've made lots of choices and. we're making lots of choices and you. know I've definitely Heard lots of. excuses and stuff but don't get me wrong. you've come from a hard place and I'm. let's celebrate and be happy that you've. come out of that as you call like deep. dark world of the Houston area of the. work I'm happy you got out of that um. I'm happy you're in a safer place now. I'm happy that you're able to make your. needs for. survival yes I'm happy that you able to.

get away from what sounds like a bad. situation with your mom I'm happy you. still have a good situation with your. dad from. here on the personal responsibility side. mhm you have come too far to just allow. this to drag you back down yeah you are. human being on this planet you. matter you matter and you do need to. start putting in some basic. responsibility on top of what you've. done because you've gone so far it shows.

that you have some discipline and work. ethic to get somewhere now we just need. to start retraining some gears and you. know putting our sites on you know kind. of the the the future of your financial. situation cuz a lot of life is. determined by finances they say there's. a certain number and I don't know what. that number is off the top of my head. that you know you you've reached Peak. Financial happiness and no matter what. you make from there you know it doesn't. add to happiness but below that number.

absolutely finances contribute to. happiness cuz guess what that therapist. thing finding therapists certain. medications stuff that does cost money. as we've acknowledged and as we've gone. through you have less debt you make more. money the more access to that stuff you. have in our system and again there are. affordable options in your income. situation I think the exchanges are. something I would take a look at but and. local resources. so we can you can get access to and live. a better life if you're willing to take.

some sacrifices willing to cut back on. the spending that you're doing. willing to be disciplined on a budget. and start paying on this debt you. haven't paid your highest interest debt. ever it's you've never made a payment. the student loans you getting garnished. the car is absolutely insane and the. insurance thing I highly doubt is what. you think it thought you thought it. was you you owe money to cash app and. then things in collections honestly for. now let's just forget the things in. collections honestly let's start.

focusing in so let's create a. budget and the interest rate on the. student loans is also probably pretty. low I am not exactly sure because I have. no access to it right now it's probably. low yes okay total that comes in on a. monthly basis we determined after. everything was including cash but you're. now going to start depositing into your. checking account because we're going to. budget track every dollar I think it was. like 2,600 to 700 yes mhm yes say.

2,650 okay your minimum monthly debt. payments including the student loans. likely at. 30 it's not minimum to cash app right. you just owe the 216 yeah mhm okay so. debt payments 736 a month what's your. rent uh 720. and do you have rentes. insurance no okay legally you don't have.

to I recommend it though it's pretty. cheap let me put it in your bunch of 10. bucks utilities and internet they're. included everything's included yeah. electric electricity everything's. included phone bill uh phone bill is. $90 you finan your phone didn't you yeah. but it's already paid off oh then what. who do you have I have T-Mobile T-Mobile. mhm I have their not their Max plan. anymore it's uh it's the magenta Max it. used to be their Max plan but now it's. like two great congratulations yes.

switch to helium it literally uses the. same towers as T-Mobile yeah I've $20 a. month yes I've been searching around yes. that one you found it gas Vroom Vroom. Zoom Zoom how much a month a month I. would probably say. around 2060. yes say say the real number again 260 oh. okay I heard.

260 okay and that's a lot car. insurance uh oh you don't have car. insurance I. was so if it's if it if I get the same. one that I had last time we're looking. at about. 130 that's. come on there's people on the show with. like $400 a month car insurances.

130 even with all the recks you've had. is it still going to be 130 yep that's. there yes that's after all the wrecks. and after everything that's happened. medical we going to do $150 for health. insurance on the exchange I also pay out. I pay I have a insurance policy for. dental Invision right now it's $35 a. month okay 35 and we're going to get. $150 of health insurance and we're going. to do an extra 100 $50 in co-pays might. be higher might be less I don't know. shop around figure it out that's going. to be on you there is a big part of this.

is on you to now go do the work go do. the research TP fund anything else to. survive this includes makeup this. includes wants on things like makeup and. clothes $100 a. month groceries $300 a month you can use. the meal plan in our budgeting program. and you can adapt it to what you need so. I actually I don't even think I need. that so because I work at a bar I mostly. work I mostly eat at work and I spend. like $4 a day at work on food and I I.

have like one I have like days a week do. you. work uh five okay so $200 a month. groceries I don't even buy. groceries yeah well you were eating out. though yes two I'm giving you $200 a. month at least learn some of the skills. around meal proping subscriptions nope. and you no longer have a pet correct uh. no good. okay cool anything else you have to take. care of on a minimum monthly basis that. we do not currently have in this starter.

budget I don't think so I think that. covers pretty much all of. it Noah do we have anything fun for the. Post show to cheer it up. cuz oh we're going to play a game in the. post. show. yeah we're going to play a game. um I mean technically you make your. budget dude and this is with making the. minimum Mony payments that you're not. even paying if you weren't spending on.

your you actually have an. extra. $139 a. month on average wow yeah that's what. discipline does well yay if you put in. the work I do want to put in the work. but my biggest concern I is going back. to school that is my biggest concern. yeah I want to do that and we can still. do that it might not. be well yeah well you.

work we can still work 32 hours a week. while doing school right I could. probably I I've done it before I could. work 40 hours and do 14 credit hours. I've so if you can qualify to actually. borrow in federal student loans a th000. you can't nope okayed determined yeah oh. so it's going to have to come out of. pocket listen is dad willing to pay for. school no MM really yeah cuz that's like. your I've miled that man dry and this is.

another reason I have I don't want you. to use him I just figure if there's. actually anything to help you find he. said he would pay for books and that's. it not tuition or anything tuition has. to come out of my pocket when do you. want to go to school I want to start in. the fall how many credit hours again. were you taking a semester it'll be. about 14 to 15 to in order to compl. what's the credit hour cost 83. so 1,245 this is what I'm going to have. you do you're getting a second job until.

then I've been applying I'm going to. tell you what to do okay apply every. second of every day you're going to get. a second job or work more hours or both. you're going to pay off your Best Buy. card you are going to pay off your cash. app card and you're going to pay an. additional $1 to $2,000 on your car loan. bringing it to 11,000 or. $112,000 you're going to do that by the. beginning of the falls no no no no here.

it is officially Best Buy Card Cash app. is paid off and then you're bringing the. car loan down to. $111,000 you do that when does the fall. semester start uh I think the schedule. says I think it's August 16th if I. remember off the top of my head August. 16th or September 16th yeah so if you. pay that $4,000 in debt by going and. getting another job cuz you go and just. make an extra 1,500 bucks a month I okay. I'm.

reassessing you're paying off Best Buy. you're paying off cash app and you're. paying $1,000 off the car you do that by. the beginning of the semester I'll pay. for your first. semester a deal you got a deal okay you. do. that and I'll pay that. 1,245 okay you need to CH proof best bu. card is gone cash app is gone and you. you've brought the car down to $122,000. 12,000 uh well it's a th000 hours less. than where it is now okay oh also I need.

to see proof that you've logged into. your student loan account and that you. have the actual documentation on your. car cuz I want you to be knowledgeable. on that and if you don't get. that then you don't get it but you do. that do it okay also go through the. budgeting class I'm throwing I'm. throwing extra things if I'm giving you. money I'm making you do stuff go through. the budgeting class and show me that you. did the quizzes okay okay so that's what. I think yeah yeah yeah so go get that. other job sell things if you need to as. well feel free trust me I won't take.

that against you cool yeah sounds very. reasonable okay let's get your Hammer. Financial score then we'll have fun. playing a game in the post show. per okay spending in a budget well. you're overspending by $300 010. obviously debt you have collections 0 10. emergency fund there's nothing is there. 0 out of 10 no retirement there's. nothing 0 out of 10 0 out of 10 0 out of. 10 make sure to check out all the. resources Linked In the description. below is there are what I use or would.

use in specific situations including the. best budgeting and investing programs in. the history of the internet now stick. around we're going to do the financial. audit post show Link in the description. below to join today on the financial. audit post show I found this game on. Amazon and it's filled with little fun. silly activities Place nine cups on the. table as shown below player with the. most cups wins okay let's get start. rules. one for Mr. Hammer does it just strike you yeah.

people would just tune in just to watch. you just Yap essentially I can Yap. sometimes to watch the financial audit. post show click the join button below.