Financial Audit's Nastiest Woman Ever

why do my producers right now want to. ask you if youve paid your taxes in. these last couple years and I have a. feeling I know the answer I haven't. filed them yeah so I'm paying rent as. well everyone else is paying rent as. well you talking about how are you. trying to justify that you mean just. paying your bills you have a trouble. paying your bills but when it comes to. things you want when it comes to you're. all about it. exactly hi I'm Erica I'm 23 I'm based. out of round Rock Texas and this is.

financial. audit thanks for coming on in what do. you do in Ron Rock for Liv um I'm. actually an HR administrator very cool. we might need one of those soon that's. awesome what do you make in this. position um I'm at 65k a year great how. do you feel living on Round Rock in this. it's a little cheaper than the main area. of Austin but still very much Suburbia. of Austin so not necessarily Uber cheap. but yeah um I actually like it um it's.

it's manageable so with that being said. um just making sure that I'm keeping up. with those things are. you I am I am but are you um I'm doing. the best I can so yes I am best you can. at. $65,000 yeah well I kind of have a lot. of debt yes you do so I mean that's. immediately like you know I like some. pleasantries at first before we dig into. things but when I hear you say it's.

manageable and I know the statements. we're going to look into have some Mis. payments I'm like so what's being. managed if we're not paying I mean you. make the median household income in. Austin is like $75,000 a year so you're. already making only $10,000 under the. median household income which is usually. dual income so you're doing okay yeah I. I definitely am doing okay but I wasn't. making that always since okay so how. long have you been making this um going. on.

four months now four months and then. what were you making before this um. before that I was making 21 an hour 21. an hour okay how many hours a week what. were you making like in a month though. um in overall in a month when I and you. went into debt during that time when. you're making 21 bucks an hour no um. it's kind of slowly built itself up. since over long 23 it's not old about 18. I want to say 18 what was the first debt. you took out the first debt I took out.

was I have a synchrony credit card. that's classic my first was synchrony as. well. wait I think it was a store synchrony. Guitar Center yeah um and that was more. so to build my credit so that way I. could get a car and and I was able to. get that car yes however recently um I. ended up giving it trading it in which I. deeply regret why because now I'm in a. lease and and my you're in a lease yes.

and I was almost pretty much almost done. paying it off um why' you Trad it in. because it broke down and at the time I. wasn't making the money what were you. able to trade it in for with it being. broken down well evidently it couldn't. been too broke down because they. actually gave me a little bit or more. than what it was what I had paid on it. it was a 2018 Toyota camon what did you. get for it um. 13,500. interesting okay so I had total income. from payroll.

$4,140 does that sound about right that. sounds right again it's not an. insignificant amount of money it's not. not at all then why why are you what. you're in right now um I have like to. hear that I have a problem giving up all. my money um I kind of make a like my. full check I I I set out a plan usually. like do you have a problem getting out. your money again 4,145 came in what went. out car note uh W what number went out.

what number spending total including Deb. 4,000 give me a number uh. 4,120 okay so uh$ 225 lesson came in yes. um total spending was. $456 so a few hundred more M so trouble. getting rid of your money you get rid of. all all your money plus more so I don't.

know what you're talking about out of. the gate uh more so just like when I'm. paying bills and I see the number going. down I kind of panic a little bit. because I'm like well that leaves no. money for me to to be me and go out and. do the things that I want to do not. necessarily go out but I do eat out a. lot just because the job that I'm. working right now is very demanding. mentally so by the time I get that's an. excuse it you know it's not it's not but. by the time I get home I don't very. demanding mentally I feel like a lot of. us could say that for our job yeah.

absolutely um and all of us can just so. we all have the excuse to just go spend. money we don't have when we're not. paying our bills no but they definitely. don't have to be on call um I'm pretty. much on call a lot I have a company. phone that I have to keep with me at all. times to make sure that I'm answering. well you'd hate being a business owner. yeah yeah yeah but uh I eventually want. to own my own business to where I can I. do I do really you just said it's too. stressful to have to have a phone on you. at all time.

trust me being a bus owner is 24 hours a. day it is um my thing is is more so um. if I'm going to work this hard i' I'd. rather work hard for myself so it's not. necessarily something I can't do now. that is fair yeah how do you pay your. rent um with flex what do you mean how. you play a rent elaborate did we get it. through flex no we didn't see that. either so actually you're spending. because we didn't find it on the. statements is likely an additional. $1,400 more than what I said meaning.

you're probably spending. a, ,600 $1,700 more than comes in so. trouble holding on your income I don't. know what the you're talking about what. do you mean trouble holding on your. income anyway cuz if you go to work you. go to work okay you do your work and. then you're on call you give out your. income every day picking up food on the. way home so what the are you talking. about trouble hold you mean just paying. your bills you have a trouble paying. your bills but when it comes to things. you want when it comes to you're all. about it exactly um okay then don't.

throw that at the just don't throw that. at me at the beginning yeah like cuz. that's not true you don't have a problem. with getting rid of your money you don't. you get rid of it every second of your. life like I said I just panic when I see. that my when I'm paying my bills and I. have a set plan and I go ahead and pay. them and I starting to see that I'm. getting down now to my last few hundred. I do tend to panic a little bit you. don't panic when you spend $633 that. could have gone to your payments on fast. food on a monthly basis.

uh no because I don't see it all right. then and there this is over a month ah. meaning you don't budget I don't so you. don't know that you've been spending. okay obviously go through our budgeting. program go through it it go through the. quizzes go through the whole educational. platform stick to the meal plan make. sure you're going through that you get. that for free for being a guest you can. get it at a bundled lower price right. now with the investing program as well. 15% off check it out Link in the. description below but then also. miscellaneous BS was an additional $615. yeah $615 so now we have 12,200 $0000.

minimum $1,200 minimum that could have. gone towards some paying some of the. bills that you have late fees on that. were about to get. into but you're like here's these things. I don't need but feel good because I had. a long little day and I'm stressed to my. poor Widow adult job so let me just go. below. $1,200 instead of actually okay you feel. stressed yes you feel stressed right yes. feel stressed this is true you know what. would bring stress on.

what having less debt less minimum Mony. payments how do you do that you actually. sacrifice for a bit then you start. paying off that debt the debt is paid. off and then you do not have those. minimum monthly payments you don't have. the stress of having to think about that. debt having to make those bills but. instead you have extra stress because. you're behind down payments because. McDonald's is more important I don't. know where we're you went to yet we're. about to find out but I'm assuming some. Golden Archers is going to at least Peak. its way through yes tends to now I will.

admit that that doesn't necessarily all. go towards food it more so goes towards. of course food as well but just trying. to de-stress a little retail therapy no. no no no that was in the miscellanous. [ __ ] the going out to eat of $600. whatever dollars was literally only. going out to. eat so no maybe don't not maybe that's. your math well there's definitely some. retail therapy there as well ,000 hours. of large purchases now we'll see what.

all that is here in a bit give yourself. a score 0 to 10 I want to see where you. self assess yourself zero being the. worst 10 being the best what do you. think you are on the financial scale I. would definitely give myself maybe about. a six have you seen this. show. yeah are you trying to like get punched. in the face what what are we trying to. do um I'm just more so that you asked me. to rap myself and that's where I feel. that I am okay explain then please um. like I said so I try my best to start.

with a budget just depending on what I. do believe five minutes ago I heard you. say you do not budget no go ahead. continue don't necessarily budget but. like I said depending on what I'm trying. to do like as of recently I'm trying to. pay off one of my credit cards um I have. been making more uh payments rather than. just the minimum payment I have and I. don't use my credit cards I have both of. them Frozen so that way nothing's. actually coming off of them but but I'm. trying to go ahead and pay those.

down. okay have you looked at your checking. account spending yes I have have you. looked at your debt situation in general. across the board including collections. I've peeped at it what's your retirement. account. app I don't have one what's your savings. account at um I have about 500 maybe of. that and you have missed debt payments. correct. and you believe you are above a solid.

middle of the road five with all those. things yes with my oh you are trying to. get punched okay if you want your Hammer. Financial score it's free Link in the. description below also even though I'm. the tough love Caleb Springer it's true. this is a fun little thing we got all. your agreements and everything for that. make sure you give the guest some love. cuz you were brave enough for coming on. here so good for you good for you for. having some balls just coming on here. and uh trying to get your situation in. shape and if you want to come on the. show come on Cale hammer.com slal ply. happy to have you on uh let's start with.

uh oh my oh wow wow this is a thick. Daddy to get started you went to Navy. Federal and you're like excuse me Madame. at the front desk at Navy Federal how. can I completely destroy my life before. getting halfway through our 20s was that. the question you asked because it's the. question they answered you somehow owe. 177,000 on one. card.

$177,000 $1. 17,370 the limit is $17,100. so if you if you're not spending on here. that's a brand new development brand new. development as in like right before you. decided to come on the show minimum. monthly payment is 415 oh I see you. paying a little extra so you paid a. little extra dollars couple dollars okay. but like that's fine but if we're. missing other payments anyway it's just. like you're negating it regardless. $227 of interest acur it's going to take.

the rate you're going You're probably. taking it down from 30 years to about 22. years the rate you're going is going to. take 22 years to pay this off you're. going to be in your 40s you are going to. be 45 years old by the time this is paid. off in with your little extra payments. honestly and I'm being a little more uh. liberal with that conservative you know. maybe closer to like 50 well actually I. haven't been using that car for at least. 6 months that's a lie that's impossible. if you're making a little extra on it. even with this interest you should be. making progress of.

about 200 bucks every. time that's not possible because you're. only under by. $77 so unless was this dramatically. above the credit limit no then then your. math is not mathing well the thing is I. had like I said I haven't been using it. I've been paying the minimum but I did. miss a couple of months because I F on. Hard Times um what's Hard Times Hard.

Times I did not have a job um that's how. long for 3 months did your spending stop. yes across the board across the board I. the checkin account the check-in account. where you spent 1,200 minimum on bu. literally went to zero. correct when I was hold on what month. what month this was. actually the past last October so this. is actually that was a long time ago.

yeah so it kind of caught up with me and. you pull up your checking account right. now show me last October okay I want. proof on this yeah because I I do not. want someone to come here and just. because I don't have the statements in. front of me I don't want them to be able. to bull me so I want proof in that abely. I will sympathize with hard times the. moment on there that I see some [ __ ]. happing you will lose it and you're. wanting to see the statement correct oh. yeah yeah just checking account go back. to October. and then in general I.

mean cool you got a job again why' you. go back into the habits instead of uh. dealing with you put yourself in a hole. because you went through hard times. first of all why aren't you on. unemployment second of. all why didn't you have an emergency. fund third of all why didn't you then. once you got a job make up for the hole. you put yourself in by getting out of it. um because like I said when I first got. here to Austin I wasn't. making the salary that I'm making now I. actually but you were still making money.

well it wasn't enough to actually cover. my and how was your spending while you. had those I'm not going to lie it wasn't. the. best and here we go so is it that you. didn't have the money. then what is it what is this water. vending so vending machine you go to the. vending machine every second of your. life um so more so I wasn't necessarily. going to their everyday in my life but. uh when I did finally get a job job I. was trying to avoid from eaten out but.

cash well this is when you were P laid. off you were cash apping out let's see. potentially gas potentially going inside. getting some BS same with the dollar. store it's a little hard to tell cash. app out went to popey's again went to. the Dollar Store you may have been. trying to cut back at that point you. after pay vending machine vending. machine vending machine vending machine. chilies probably went inside the gas. station and got some [ __ ] CU that. was six bucks machine oh oh it continues.

an apple subscription an apple. subscription an apple subscription win. in definitely got some Bullit did not. get $313 of gas no guaranteed same with. Walmart you went and got whatever that. is again yeah going inside getting some. BS uh more so at the gas station after. pay Zing out money cash apping out money. cash apping out money Tick Tock shop $40. unemployed saying we cut back to zero. you lied you're me uhuh we're not.

[ __ ] this table this table's not for. [ __ ] I do explanation for that I. don't need it here just for one all this. stacking up with another Apple Bill. another or afterpay after pay cash. apping out Wing Stop Little Caesars. Beauty Supply Zing out money cash apping. out. money winning got some [ __ ] what are. you going in and getting some [ __ ]. Apple bill I'll ask that in a second. winning got some bullsh after pay Wing. Stop after pay after paying every second. of her life Z sing out cash apping out.

in terms of necessities necessities are. maybe 5 to 10% 5 to 10% of that so no. you lied you did not cut back to zero so. I can't have sympathy if you got laid. off you didn't qualify un for. unemployment because you weren't paying. into the system long enough and you. didn't have any support in that and. times were tough times were tough times. were tough you have my full sympathy you. have my full heart you have all the hugs. in the world that was 75% 60 to 75%. minimum bu in terms of individual.

purchases stopping swiping stopping. swiping stopping swiping so no why' you. lie I didn't necessarily lie in my mind. then um it made more then what about now. well of course now it doesn't make sense. when when you put it like that but you. are able to look back why' you tell me. that you cut back to zero I did because. I used to eat out a lot more and I was. thinking going from 100% to 50% is not. zero that's a reduction and half yeah.

listen guys if you haven't been making. payments on your credit cards I've just. partnered with a new app called relief I. always give you guys for falling behind. on your cards but if you're already. there then the amount they say you owe. isn't exactly what you have to pay in. fact as you fall behind on your debt. most credit card companies are willing. to accept less money to pay it off like. a lot less so before you start paying. off anything past du download relief to. to get the best deal your creditors are.

willing to make I've partnered with them. because they've saved people a sh ton on. their debt like more than 50% don't be. an idiot and pay more than you have to. relief only cost you a few bucks to save. hundreds or thousands instead of wasting. time negotiating on your own focus on. the that matters the most like staying. current on the rest of your bills and to. help you get started I got the boys over. there at relief to give you all 15% off. your first order when you enter my promo. code Caleb during the month of September.

so don't this up do it now well like I. said more so with the corner stores like. going there it would be like getting. water snacks and trying to make sure. that have you heard of a faucet we live. in the United States of America and they. don't have the best water okay Round. Rock is fine but at that time I wasn't. in Round Rock where were you I was in. Houston okay I'm sure Houston's. fine okay a water filter a br or we go. to the grocery store and we get a big. pack of water bottles ozera or whatever.

it is and it's like they come out to. like 5 cents a bottle yeah like what are. you doing you're not stopping in a gas. station getting a $3 Life water or. whatever oh no I get two it's like more. so they would be on sale for like two. for $3 um or Z that's still horrible. compared to going to the grocery store. and getting bulk so even still it's. stupid and you said other things too you. didn't say just water yeah so um it'll. be like snacks like I said um when I was. going out cut jobs um I was just trying.

to make sure that I wasn't eating out. and as you can see I did eat out a. little bit but it as you see now there. was still eating out probably a couple. times a week there now it's a couple. times a day but we'll get there yeah. which also not good for health not be. clear correct we we both got the. thickness we both should probably not. have the thickness yeah good better for. our heart to not thick working on it. slowly but surely okay well in your diet. yeah no not yet you can't out exercise a.

bad diet that's what they say coming. from a man with tits it's funny but you. know it is what it is. yeah it is so no you didn't just fall in. hard times you fell in hard times but. you continued your spending even if at. 25% of insanity yeah so you put yourself. in the hole and then when you ended up. getting a job even in the 3 months that. you've had a good income you haven't. worked to at. least fill up the whole that you dug. yourself into back then so so.

like that's hard for me to have sympathy. understood understood um your behavior. is out of control you're not a credit. person you need a charge card like the. Fizz card or any other charge card where. you put the money on you can only spend. the money that you have yeah um I didn't. even realize until as of recently that. especially like my secy credit card I've. been paying that since I was 18 so now. we're going on five years oh yeah and um. bet you I've been trying to up the limit. because I mean why you should not up the.

limit but up the amount that I'm paying. on it sorry oh those are two very. different things yeah sorry I misspoke I. misspoke I felt Flames coming out of my. eyes when you said that um just trying. to pay more on it because at the time. when I first got it I didn't understand. credit cards I didn't understand how. they worked how credit worked sure um so. I was solely playing the minimum which. was like $89 and now I'm paying more so. like2 200 or 400 whatever I pretty much. can you were lucky that the interest.

rate on this card is only 18% only but. for a credit card for a lot of people on. the show they're close to 30 but you've. still we're barely over halfway through. the year you are still you lost $2,000. this year in interest on this card one. card out of many of the debts are going. to talk about 2,000 in. interest it's horrendous. yeah I can't lie about that one you're. just missing payments to the hard times. but hard times was a year ago yeah but I. haven't missed recent payments I know.

but like you said that's why you were. only $75 under the limit no um even. though you've been so making such good. progress according to you I've had that. card as well um before October I. actually got it maybe two years ago so. this is a couple times that I actually. lost my job and I didn't know that you. know I thought I was doing good by. paying the M the monthly minimum payment. however after realizing and getting a. little bit more knowledge as far as how.

credit cards work yeah um yeah it just. the interest just started building on. itself and before I knew it it went from. 4,000 and then 10,000 and then it was. completely maxed out for example a lot. of people contribute 4% to their 401K. because they get like a 4%. match you had 4% of your yearly income. go to interest on that card this year so. far the year's not even done mhm what is. it going to be like 6% by the end of the. year possibly yes 6% of your income in. interest on one card and we have a stack.

of go okay see here it is unpaid late. charges on this next thing right now. what's the point of making extra on. other things if you have late charges on. other accounts it doesn't make sense. you're just offsetting it you're just. moving it from one to the other you're. not actually making any progress this. Toyota is this the lease yes a $655 a. month lease what is this car it's a 2024. Toyota crown oh when did you get it. Toyota Crown I've never even heard of.

that when did you get it uh February. this past February H what's the lease. term length 36 months um I'm actually. trying to see about getting out of it. into something what's out of it what do. you mean out out of the lease um into. out of it in which way like giving it. back and trading it in for something. else that's a little bit cheaper for. another lease no I'd rather move to a. finance car so that way once I I'm. finish paying it off it's mine so one.

you'd probably have to do it through. them so you're going to be stuck within. their ecosystem for them to get you out. of this lease or else it would be more. of like a a payoff tradein thing through. another PE so you're really locking. yourself in a box with this and then. what's remaining on this least to even. pay. um uh I still have you're lucky that. used car prices is going down so by the. time this lease is done you're actually. probably going to in terms of its buyout. might actually be no that's actually.

worse because your buyout is going to be. higher than what it's actually probably. valued at at that point correct when. that sucks yeah I've already kind of. went back and talked with them and. everything it was a I can admit that was. a very stupid decision um at the time I. just didn't have the money to actually. fix my car um and I don't necessarily. have any did you even know what was. wrong with it no I took I actually took. it there to get it fixed but in previous.

times when I've went there just to get. something simple fixed is cost me 200 or. more and at the time so to be clear. instead of paying 200 or more we're now. paying $655 a month well at the time. payment that you're missing because you. have unpaid late charges well at the. time my um account was in a negative I. didn't have the money so how could you. justify $ 655 a month payment that. doesn't make any sense it was more so. you couldn't do a $200 repair yeah I. couldn't. that's one of the most crazy things I.

I've actually ever heard it could have. been more I never even got a chance to. even I mean you could have got a I mean. I doubt they would have let you get it. but you could have got like a Bugatti it. can always be more yeah doesn't mean. that this is good I don't no it doesn't. um but more so I was in a mode thinking. that I just need my car cuz I had to get. back and forth and I yeah but this. though why don't we if we had to lease. let's say you wanted a lease for. whatever reason could at least a used. car I didn't know that that was an.

option to be honest with you what do you. mean I I've didn't have much experience. I don't even my family they're more so. coming from you know a friend or. something you could have brought no not. anybody that knew what you know well. knowing that L's exists is kind of like. I know nothing about cars but come on I. know that yeah um well no not the. friends that I have they they don't even. know anything about it. um I've tried to I was there should have.

had a conversation with my good friend. CAD GPT you know I didn't think of that. she would have told you she probably. would have I didn't think about that at. the time hey Mrs GPT I can't afford a. $200 repair any chance I can afford a. $650 car payment probably would have. said no probably yeah I don't think Sam. ulton is in favor of what you've done. here okay well that's Saye and you still. have 32 months left and you've already. missed payments only six months in and.

you've missed payments my gosh well I. didn't necessarily miss the payments so. I was under the impression because um. when I've had my lease before I mean. sorry my Toyota Camry when I was that. was financed so in the past I was able. to get a deferment and you know they put. it on the end of the back end but uh we. honestly haven't had very much of this. on the show and all of a sudden now like. everyone's doing that it's like it's I. swear this this show comes in stages.

people are just all everyone who's ever. cheated on anyone filmed within like a. few days of each other somehow and all. of a sudden these people that put their. car payments on the back of their car. leas they're all filming in a few days. of each other what is happening well so. weird I thought it worked the same I. like I said this is my first lease so I. thought it worked the same and it turns. out it didn't and they didn't contact me. until literally it was already too late. and it was already record reporting to. my credit that I needed to pay in order. to have a deferment you know what the.

buy out's goingon to be in 32 months I. don't as of right now what's your mile. limit on it and are you hitting it are. you meeting it um no I'm not meeting it. I'm not I'm not there yet at least don't. do that well not yet but it's only been. six months yeah but I did go back and. ask them um and they said that they. would only give me 32,000 for it but. it's worth more than that or it's not. worth what do you mean they would only. give you 32,000 um like if I were to. give it back which I've tried to. why would they give you anything decent.

to get out of a lease they want you to. be in this lease right it's a. money-making machine for them you have a. car subscription basically did not know. that at the time of course still kind of. getting more information on that I still. not even completely sure what's from. here what's what to do from. here we'll figure that out at the end. okay and you get your entire. situation under the microscope first. okay secret name your friend that you've.

been paying on for 5 years correct is. still at a current balance of. $1,919 how' you build this all the way. up well um again that interest the. interest on that particular credit card. is at. 29 so um at first I started off with not. touching it and then um Co happened I. was out of a job um what was your job. I was working at FedEx well I started.

working at FedEx when I first started. but when Co first started um I didn't. have a job at all I was actually coming. home from college which I didn't oh so. you didn't get laid off you just didn't. have a job going into Co correct I was. going to say cuz delivery that was kind. of one of the main things sticking. around at the beginning right so I did. end up getting a job and everything but. I needed that car to um hold me over and. I did use it to pay get a credit card if. you don't have a job people fun fact. well I already had that card wait a. minute so you've been paying on this for.

five years but again you've only made. $500 of progress if you maxed it out no. um it because the credit is I mean the. the interest is so high um it kind of. just defeats the whole purpose and. that's it does but after five years you. should have made a little more progress. well that's the card that I was paying. the minimum on and it was telling me. that the minimum was $90 so I was like. okay and I was paying a $90 but not. actually understanding that it was still. acing a lot more interest not more than.

90 a month no it was it was acing. interest a lot well yeah it was a. interest but not more than 90 a month. let's say okay let's say it was at its. Max to 2500 okay let's call it 30%. interest. uh your interest would have been. $62.50 a month right so you were still. making progress well the problem is and. that was on a high end too it was. probably closer to like $58 a month in. interest. well I ended up using it to pay my car.

node a couple times cuz I was in between. still uh yeah and financing a car. payment yeah financing a financing. payment and that was before I knew not. having an emergency fund is an emergency. people this is as clear as this I'm glad. you have a good job now but you're not. utilizing it yet you're not making any. progress check out this trailer of an. exclusive finan audit episode that no. one has ever seen how have you survived.

to 23 I ask myself that question a. lot do you answer the question to. yourself. no it's just like usually whenever I. have to go out I guess when I go. out again 384 came in from your job how. much do you think you spent how much did. I make. 384 uh-huh 384 you don't think you over.

spent oh I probably I guess I did yeah 7. maybe I don't know I don't like. numbers I'm like also out of practice. cuz I used to like do numbers all the. time. but I've just been like staying at like. either where I can or like oh good no. way your couch hopping places I like. stay at for the jobs you're relying on. bookings for a place to live yeah so. that's why you're willing to do this cuz.

it's at least paying for a roof over. your head but you're still getting. nothing from it yeah but I like Love. Dogs we think you might be uh too high. to. [Music]. film honestly guys this episode was just. too crazy because the guest was a little. bit too special and we had to end it. early so it just doesn't work to upload. it on the main channel so we've decided. to give our YouTube members some extra. love and we're going to have this go. live tomorrow at 10:00 a.m. make sure.

you sign up at the link in the. description below and make sure you. select the all exclusive content tier. it's uncensored it's insane it's wild. and that's the only place anyone's ever. going to see it what's the payment on. this the minimum uh the monthly payment. um is 12. 120 minimum minimum so it's 120 minimum. monthly payment with a balance of. $1,919 sent a screenshot not a statement. so I can't see the interest as well it. wouldn't let me pull the statements cuz.

I haven't been i' that's one of the cars. that I had Frozen or turned off or. whatever the case may be so it hasn't it. wouldn't let me pull is this your pass. due on a rent a move out statement so. you owe. $1,214 to a past Department. correct what the so I ended up having to. get out of that apartment um it was very. condemned uh huh it was condemned it was.

just ruined it was the city condemned it. no it was just the apartment itself was. very it the AC went out every time I was. trying to get them to come and fix it. and everything they they just kind of. refused to help me or gave me the run. around and then it you know summer. happened and there were the roach. situation was terrible I'll say that so. I just had to get out there um I had to. get out of that apartment is this in R. rock or Houston this was actually in uh. Wells br BR okay south of Round Rock mhm.

hold. on was. it no um okay I toured that with a. friend and they we. uh. uh we we'll put this picture in the. video we T it was horrible it was an. intermediate no we were wondering why. the prices were so cheap and now we know. why and we were in their uh getting. renovated leing place and and we were. just kind of walking around when my. friend was talking to the landlord there.

and or the lean agent and we came across. this piece of paper just on a pool table. M and it was all the units with roach. issues that they had to solve and it was. just a list of units with roaches and. yeah okay. so you. have okay well it's sewer it's so it's. everything it's water sewer extra fees. pet uh Pest Control. sorry okay water damage did I see wait.

some reason I hard time reading this. right so they charged me for water. damage but that was due to the AC being. out and every time I tried to get them. to come in and fix it nobody would come. and like I said they would just kind of. give me to run around over and over. again so um yeah I had to get out of. there and so you just left no I G I. returned my keys back I asked you know. what are my options they were I was told. that said either I could break the lease.

which was basically two months worth of. rent plus the extra $1,700 so it would. have came out to about $4 or $5,000 y um. but after talking to the property. manager I was able to find out that. basically I can give my surrender my. keys and they wouldn't necessarily. charge me the next month's rent which is. clearly on there so they didn't. necessarily tell me the full truth and. I'm actually in a in a um dispute at. right now actually disputing what um.

some of the charges on there as far as. with who though with um Jetty which is. like a um they help you with your. security deposit it's a company that. helps you with your security deposit. here um I don't know Jetty here in. Austin here in Austin because I. originally wanted to go through Flex. they didn't offer Flex so I just went. ahead with with uh Jetty and they helped. me with my security deposit and they. notified me saying that the um.

Apartments actually made a claim however. the documentation that the apartments. gave is actually $1,000 more than what. the total is on there well I see they. got rid of a ter ter termination fee and. a rent. fee uh which brought it down by. $1,000. but so no I mean honestly no I think if. what you told me is the 100% truth they.

actually technically did it MH they. didn't charge you for the rent the rent. was on here and then it was excused yeah. but you got an additional fee. for uh a rettin fee for not providing. 60-day notice which they didn't say they. wouldn't do in what you told me so but. listen they were probably being sneaky. and Dicky about it but with what you. told me it sounds like they actually may. have upheld it well. that's not the that documentation that.

you have is not what they gave Jetty. what did they give Jetty they gave Jetty. the original one that has the relating. fee on there this has the relating fee. on here how what is the total for that. one I'm sorry uh total is 1,214 but. again there is a rent on here but they. took the rent off as they told you they. would so again they didn't say they they. didn't say they wouldn't do a relating. fee for you they said they would they. wouldn't make you have that extra month. rent which they did take off of here. okay so based on what they told you they. actually did that but then they went.

back on their word no because the one. that they gave the jetty team is more. than what that one is what is it 2,146. no it's. 3,177 well I don't I have the the ready. things r j Jett I don't have that okay. so I what can I say I don't know yeah um. that's why I said I'm I'm currently. disputing that with Jetty and we're how. long have you been doing this have I. been doing what this dispute um it just. started cuz they just made a claim so I. want to say now since the beginning of.

of August just I don't want it to go to. collections last thing you want is this. type of stuff on collections that'll. make it very hard to get a rent a lease. again synchrony. pink oh well Synchrony Bank also lowered. your credit line correct okay so that. also so maybe you did make more progress. and they lowered the credit line okay. that was a little out of order. okay Toyota. that's what we already looked at now.

we're looking at your credit report. again you missed June's. payment that just happened yeah so. that's the one where I was telling you. um I was under the impression that I. could just sign a form and and you know. give it back to them and they'll do a. deferment um the lady on the phone. didn't tell me that I needed to pay. basically $200 for each deferment so. they it shouldn't be deferring anyway. you make money well I wasn't making it.

right then and there Jun July August you. what you said you've been doing this for. three months yeah that's true but I only. get paid funny how that works I know. right um I only get paid bi-weekly so at. the time oh like everyone else in the. entire world um no a lot of people get. paid weekly and I've heard a lot of. people get paid weekly here weekly okay. if I'm not mistaken on this feel free to. correct me weekly often is for like the. lowest of income jobs to make it feel. like they can pay bills not necessarily.

um maybe not necessarily but that's how. uh some of my intro you know in grade. school jobs were working I don't know. I've worked in the professional field at. a few different companies uh I don't. know anyone that's been paid weekly I've. had one person one person I think on the. show that was in like an actual. professional career that one person out. of filming four to five a week that has. been paid weekly either way whatever. that's not a valid excuse though most. the vast majority are paid by weekly or. semi-monthly which is twice a month well. I come from the security industry uh the.

security industry there are the security. companies that I was working with um two. to be exact uh we're paying weekly okay. but you're you're trying to say that. because you're being paid bi-weekly is. why you missed your car payment everyone. else is paid bi-weekly I'm paying rent. as well so everyone else is paying rent. as well you talking about how are you. trying to justify that I'm not. necessarily trying to justify I'm trying. to I'm trying to explain more so of why. it's late I mean it's late because they. wanted on you're trying to you're trying.

to make it sound like that's it's late. because of that and you know it's okay. that it's late because of that no it's. not necessarily okay no not that it's. okay but you're trying to justify it. yeah okay well but it's not the day that. I was paid was after so uh the day that. my car note was deal that's all I want. to. say 63% are paid either bi-weekly or. semi-monthly mhm which which can vary on. which days on on particular days not.

semi monthly semi-monthly is first and. 15th usually yeah but we get paid on a. bi-weekly basis so it changes from every. month depending on the month it could. change on those depending on the month. you can actually make an extra paycheck. two months a year correct um but I. haven't gotten to that point I just I. can't believe you're trying to say. that's you're trying to justify it okay. that's crazy stop okay if you know if. anyone does basic budgeting it doesn't. matter if you're paid weekly bi-weekly. sem my monthly it doesn't and then 31%. are paid on a weekly basis which is.

actually more than I thought I will be. honest yeah but it is still a vast small. minority no yeah I and I definitely. agree um it's just more so coming from. getting paid on a weekly basis even when. FedEx I was getting paid every week so. getting paid from a weekly basis and. then moving over to a bi-weekly basis I. wasn't necess that's wild I wasn't. necessarily prepared for that okay what. is this other Toyota why do I have. another oh wait sorry no what is uh s. Tander consumer cuz that's huge at. 32,000.

23,5 47 what's this so I did help my mom. get a car oh yeah you the person who's. late on bills okay um well what do you. mean help what's help what's help what's. help cuz obviously it's in your yeah I. put it in my name uh she's paying for. she has it. but has she ever not given you the. payment. no she's every time she's been on time.

yes for how long when did you do uh she. just got it um in. July yeah so she so far she's done it. once great she's so far she's been so. she's made her payment one time yeah. she's never missed it twice okay two. times yeah she's never missed it the two. times that she me yeah why couldn't she. get it because uh she has previous uh. things on her credit oh and I am so. confident that she's going to pay you. every time why would you do this to.

yourself I understand wanting to do it. for your mom that's a good heart but why. would you do this to yourself because. there was no other option I felt like I. felt that there felt like I was going to. say there is plenty of other options but. I feel like yeah because feeling is not. an actual like logical thing so you're. right you felt like it but obviously. that's so great. um what's her credit score um I believe. it's of 480. oh yeah what's.

yours 580 oh well this what's the. interest rate of this um. 17% um and my credit only went down. after of course adding that on there as. well um so it's it was at a 620 what is. the payment on this. 500 she's made it for how much does she. make what what's her job she also works. at FedEx she works in admin for FedEx.

and what does she make um she makes if. I'm not mistaken at least $800 a week. oh net or before taxes. n $41,000 a year net 600 3,466 a. month so this is 14% of our income it's. a lot for just the car payment m. she's made it for two.

months good for her the moment she. misses that this is your credit this is. your credit the moment that all the. other things on our credit that are bad. happen to the same thing it's almost. there's a reason why credit scores exist. who would have. thought your 177% $500 payment you have. a $415 payment you couldn't make a $200. emergency. payment you're. I couldn't make that payment now I am in. a position to make that payment are you.

you missed your car payment a month ago. yeah uh two months ago more than it uh. than my previous payment of course you. missed your payment two months ago. making the job that you. have this payment costs more no what you. just said was just blatantly incorrect. you could not afford. it okay so again the balance on here is. 23,000 oh so entally what we need her to. do is get funding in any way whatsoever.

any way. whatsoever and buy the car from you yeah. and anyway any kind of loan anything I. don't even care I don't want her to be. in bad dead at all but the fact is this. is her car and it's under her daughter's. name putting you at risk and the. relationships can get really weird and. really complicated really fast when. things start going haywire on this and. it's happened on the show many of times. agreed she needs to take this over. immediately it needs to get out of your. name need to run as far as you can okay. from this now legitimately guys I.

believe that you everyone in your life. everyone around us can actually take. control of their financial future and. make their lives better and we've spent. over a year here creating tools to help. make those goals a reality right now our. budgeting program and investing program. are bundled together at a 15% discount. and you get $100 in cash gifted to you. right into your Mumu account there's. honestly no time like the present to. actually take control of your future. don't wait don't let this opportunity. pass you so are you she has to get funny.

her credits in the 400s so yeah what was. the question uh more so I was just. asking are you like saying that she. needs maybe like a a personal loan or. consolidation really anything again I. don't want her to get into bad Deb it's. not that I just need you to get out and. this is her responsibility so she. essentially needs to receive funding in. any way possible that's not like a. payday loan obviously or like sharks but. but yeah yeah but I personal loan for. this I highly doubt she would be. qualified in any way for this kind of. balance she might have to go to like a.

it's going to be like a 25. 26 maybe even close to 30% loan which. again I don't want her to have but this. is not your car should not be in your. name it is her responsibility now to. deal with whatever consequence if she. wants to keep this this or she just. needs to sell it make up the difference. and get a $10,000 car okay because this. is ridiculous sense so she needs to do. whatever it takes in personal. responsibility you need to push her to. do it and again that might also. complicate the relationship but this is. a very risky situation I agree in your.

specific mismanagement of money too. terrifies me K I'm glad that you have a. good job if I'm not mistaken I think HR. not HR I I do love HR does course. careers have a certification hrn now I. want to say yes I have been looking into. that just so I can kind of uh set myself. up to for success and kind of if in I'm. happy to gift that to you through course. careers I'm happy to do if they if they. have that they lot. certifications um yeah we'll do that for. free CU trust me with this debt you.

don't need to be spending. money Ed Financial oh wait do you have a. degree no neither do I I borrowed. student loans I'm one of the 40% that. borrow student loans but don't get a. degree it happens um how much school did. you go to um I did a semester at Lamar. University and then uh wait a second I'm. sorry why do my producers right now want. want to ask you if you've paid your. taxes in these last couple years um I.

and I have a feeling I know the answer I. haven't filed them you haven't even. filed you haven't made much money you. honestly may have received tax returns. MH but I'm kind of you may have re. received money scared of what you. haven't made money I don't receive. money that I won't receive money and. I'll have to pay no no no you're getting. money the last time that I did file. taxes I had I owed how much did you make. that year uh um I'm not exactly certain. are you on like Affordable Care Act any.

plan related to that are you taking. advantage of any social programs because. that can affect your tax no um returns I. can't honestly remember right now off. the top of my head but um I was on how. do you not okay I don't remember I'm so. sorry oh then okay that's yeah it was it. was a couple of years ago um but when I. did go and file my tax return I was. expecting to get something back and. instead I owed. $1,500 so what was your job um I didn't.

even have a job that's the craziest part. I was I was in college it was around. 2019 2020 what are you talking about. what income did you report then I just I. gave them my. um this documentation that the school. gives you I can't remember what what. it's called it's like a 10.99 no not a. 1099 1098 I think I gave him that and uh. um even the little job I matter of fact. I did have a part-time job but I wasn't.

making much that's income are you. kidding me how are you not able to. answer questions I'm sorry but that is. still an income to report I was asking. you what income did you report I could. head at that second cuz that was back. five six years. ago so yeah 1098 probably a 1098 t or a. 1098e student loan interest statement or. tuition statement yes didn't have a. mortgage interest statement so again I. mean if I'm not exactly sure what it.

happened on why that allows you to claim. deductions that would not have made you. pay more in taxes so well they told me. that I owe. 1,500 they told me no I get I get that I. just I. just this is no offense to you because. it's okay that we don't know things like. I'm sure you're very smart in a lot of. things okay I just want to make that. clear obviously not in personal finance. and something tells me that you probably. just did not file correctly or you're. just not telling me something cuz if you.

only worked a small little part-time job. for a couple months the fact that you. had would have ow unless did you did. when you filled out your W2 did you not. withhold any taxes but still even your. work no I I don't believe I did and I I. don't doubt if you had your withholdings. at nothing that that would do it but. even still with your income situation. your tax rate would have been so low you. must have made more than you thought if. you had to pay $50 00 at the end of the. year especially with your student loans. deduction I don't think it was done.

correctly to be honest with you but then. again you were in school so interest. wasn't occuring anyway so how much would. have been deducted probably not. much okay how much do you have in. student loans in total I don't want to. add up each of these individually um no. more than probably about. $5,000 because I tried to go to school. multiple times trying to you know bitter. myself for what um $. 3,926 does that sound right that sounds. about right thank goodness for being.

able to employ people to do. math cuz I did not want to add that up. $3. 3,926 uh are you making payments on. these I'm not at the moment go on why um. just because are you in a plan are they. deferred or are you just not paying um. well at the time when I was about to. start paying they were talking about um. that's when Biden got in office and they. were saying that they were going to okay. we're going back two years ago okay yeah. so they were saying that that's been. over for a year now yeah but then I got.

another email saying that we're looking. up you know you can possibly get it um. if it basically if it was under a. certain amount it would be forgiven. that's what I got the call. saying are they talking about getting. you on the safe plan I they literally. just called me and I still think it was. a scam to this day it probably was I I. get everyone gets calls like you're. student loans yeah oh no you got to pick. up the phone and yeah so probably please.

don't fall for that please don't answer. those I didn't I didn't fall for it um I. did tell them like yeah. st. do russia. putin. probably and it. was just a call so I was like um let me. call you back and I never called them. back and they never called me back so. that's what makes me think that it was a. scam but other than that I have not. started yeah you haven't made a single. payment on student loans let me see it's. open your payments must be at $0 cuz.

it's counting payments and that is. likely because you may have found. yourself away on some income based. repayment and obviously your new income. isn't reflected on past. taxes. so there is that and then if you were on. save that might be on deferment if I'm. not mistaken due to some Court things. or at least on hold but it isn't. counting anything missing your payment.

would be so small anyway your payment. would probably be like 50 bucks a. month honestly it's not terrible so what. did what did you try to go to school for. so many times um I was the first time I. was trying to go for Hospitality. management I really wanted to get into. the hotel business um and then when that. didn't work out or when Co happened they. ended up sending everybody home home and. um I tried to do HCC and I was actually.

going to go and try to get um certified. to do more so like Tex preparation cuz I. did want to know a little bit more about. it and you know just go from there um. however that was when that was when I. tried to do it I. guess Co hadn't hit there in Houston yet. cuz I I ended up going back to Houston. so I was able to enroll able to do. everything go get set up for classes and. then the day that I went to go start my.

my first day of school um the doors. locked so they wanted us to go ahead and. convert to online classes however I'll. be honest that's that's not the way I. learn I have to be in person kind of. being there and I honestly just didn't. get the whole system of how they wanted. us to do it and not only that but they. never told us that until and then what. was your second attempt you said. multiple attempts yeah so that was the. second attempt the first attempt was the. hospitality Management in in bont I got.

a little mixed up there okay okay I see. credit collection service is 91 bucks. why can't we pay 91. bucks I honestly don't have excuse for. that one5 minutes and we still don't. even know I don't have an excuse for. that one just because I didn't even. know oh yeah why not improve our credit. from the 500s to the 600s by literally. paying a $91 payment you get a flat. reimbursement for being here cuz people. travel people take time off work we want.

to make sure we reimburse people for. their time take some of that and just do. that that'll improve your credit by at. least a few points yeah today okay Jesus. I can do that all right collections. number one 91 bucks take care of that. all right collections number two this is. for a more substantial. $550 and this originally was from oh an. energy company you weren't paying your.

energy bill well basically I was in a. apartment even then um a different. apartment a different sh apartment this. was in Houston all right you got to stop. signing leases I know um it the same. situation couldn't get any help um my AC. it was literally in the dead of winter. and I would walk in my apartment and it. would be. 61° so I cons burn some of the is start. a fire I didn't have a fireplace at the. time but yeah I originally tried to get.

it fixed they kept saying oh yeah it's. fixed but we would set it on one thing. and then at the time when I was working. I was working 12 hour shift so by the. time you live at a place that hasn't had. maintenance issues uh the one I live in. now they've been on top of it so far so. far how long have you lived there uh 3. months now uh okay so it's one of those. things where someone has an issue with. every single time they've done something. ever I start to question question like. all right how much of it was really the. other person's fault not a little bit of.

yours well that's why I left the first. apartment I was here in in Wells Branch. because I felt like it was kind of. giving me PTSD I was just you know felt. like I was back in the same situation. all right well let's not throw around. terms that apartment was actually. attempting to come in and help me um but. eventually they found out that it was. the electrical issue and it was making. my my light bill go up crazy sure so I. kind of got electricity not light.

electricity yeah it was it Wasing. definitely bringing up my um my bill so. I ended up uh so I'm told you're. considering a different career pass yeah. even though you're ingrate career path. making great money HR has a long way to. go what what what what well this. particular position that I'm in with. this particular company yeah um. stressful yeah and I get that but. utilize build the resume strengthen this.

HR isn't always a 24-hour job you might. be able to find a good 9 to-5 somewhere. yeah and and that's what I've been doing. um as you know the job market is pretty. terrible right now okay terrible is an. over exaggeration as good as it was. during the frenzy of the pandemic no but. trust me if you think this is terrible. wait until you actually see a real. recession then everyone's going to look. back at this time and be like remember. those times times were great literally. doing that now so yeah well in my.

position I am because I have been. looking for another position I haven't. been able to find something what do you. mean find something what does find mean. find another position with mean I'm app. you're apping how much how often uh. pretty much every day anytime I get the. chance okay um are you tailoring your. resume to those specific companies and. cover letters um I more so just built it. off just based off of my experience that. I have okay um okay well you know first. of all I don't know resume a lot of that. stuff A lot of times it goes to like a.

just like word reader AI crap anyway. whether or not you get a job so are you. using resume builders or did you just. build your own resume um I did use a AI. Resume Builder um in. AI okay. well okay so I got a pretty good score. with them I got a. 93 okay so maybe there is some room for. getting calls at all um I have gotten a. few calls no offers yet uh you've been. in HR for 3 months uh no for since last.

October so almost a year okay a lot of. people want to see two years of a. specific industry role to do that so it. might have be that might less be a. resume thing and more of a you just need. to put another year under your belt. which again you'll be 24 that's like. we've all had jobs I think for the sake. of a career one more year is not the. worst thing yeah what are the other. Ventures though that um I'm more so. looking into um. of course HR positions but I'm also. looking into um like uh there's a.

property tax position that I was kind of. looking into okay um for that one I need. my real estate license which I have been. working on really you getting a real. estate license yeah because the property. tax position with like the city yeah um. basically so it's property tax. protesting um so there are small. companies that I've seen with there's a. big company I think called onwell that. they're pretty popular interesting so. you saw an open position have you talked. to them I have not so we're getting a.

whole license just to potentially apply. for a job well they're not the only. company in the world that does that so I. know but what what interests you about. that industry well what actually. interested me because I was actually. before I got here to Austin um I had a. temporary contact through a um a. staffing agency with a property protest. company um and after I was kind of able. to get in a little bit you know get a. little bit more information as far as.

what they do I never even heard of that. before I was actually just a data entry. assistant for them so after kind of. going in and getting to talk to some of. the agents that they had there it was. something that did interest me so um it. is something that I'm looking into um. just to kind of build up my build myself. up anything else or was it just that um. that one. and that one and uh like I said again.

just looking into uh tax preparation as. well so let's like take a so let's take. a look at the check in account 80 bucks. ending balance okay so you said you. could pay for a $200 emergency now no. okay hi. um uh it's time to play my favorite game. pull out the cramp and see if you know. how to put axes next to things.

[Music]. okay it's time to play the. game what's your favorite color is it. red cuz that's what you're. using that's fine that's how you play. the. game Mark next to things that. are put an X next to the things that are. [ __ ]. all right purchases going to the. checking account this legendary.

[Music]. statement you can mark it next to the. item as well okay if that makes it. easier yeah I think that would probably. do better.

all right oh boy all right that's that's. that's good that's good I just needed. one page to see where your mind is game. show has concluded please thank you I.

just need thank you God thank. God I accidentally broke a cray on you. did not break the crayon it was already. broken the red crayon I'm sorry this is. the game show cray. though okay I don't I'm a little. confused it's. is like we just really don't know zoom. in on this. Brandon so what are we doing you got 1 2. 3 4 five 6 7 8 9 10 11 out of 1 2 3 4 5.

6 7 8 9 10 11 12 13 14 15 16 17 18 19 20. you got a what a 55 55 out of 100 got e. you failed how how are you justifying. going inside of 7-Eleven and getting a. $3. bull um6 bull yeah what are we doing and. Donald's Donald isn't Bull in what world. is Donald's not [ __ ] going inside. just filling ourselves with [ __ ] how.

is that not [ __ ] going inside. getting bull how's that not [ __ ] how. are getting your nails did not bull oh. wait no you did call that one you did. call that one going to a restro you. didn't call that Bullit come on what are. we. doing um well Little Caesars isn't bull. well when you don't have any groceries. in your house um then you go to the. grocery store that's an interesting. thing H what a solution guys if you. don't have groceries in your store go to. the store where they groceries yeah come. on sometime it's like 10 11:00 at night. and they're not open but no you're right.

I I definitely have been are preoccupied. little too preoccupied to go to the. grocery store what my. job okay yeah come on what do you mean. you mean literally every second of every. day you are on a call or working an. email every second of every day from. 8:00 a.m. to 11:00 p.m. every second 7. days a week so it starts at. 7:30 and my job doesn't end at the. office even after 5:00 I do have to go.

to um a separate site to then conduct. more business so it's more most of the. time my work when are you. out probably at around 8 :' at8 night. congratulations the grocery store is. still open everyone makes sacrifices. people do this all the time you're not a. unique cookie in that and I'm sorry to. tell you that I know it really sucks I. wish so I wish I wish it wasn't like. that I wish it was more I wish it was. easier there's also curbs I pick up it. could be a little more expensive upsells.

but even still you would save money. compared to you're going out to eat you. going in getting some bull get getting. some BS Cash apping Out McDonald's. getting BS BS BS hop daddy hop daddy. chime is that that's the mobile bill. right is that what's chime chime is a uh. it's kind of like cash app it's just. another card all right so chime bullsh. going to a restaurant getting our nails. did H going in getting some BS hop going. in getting some BS Little Caesar. McDonald's going and getting some BS. going and getting some BS we're getting. snacks chips all for every second of our.

life going inside and potentially get. into BS plus C uh plus gas maybe I don't. know and cash apping. out uh style seats.com going in getting. some BS Teemu $248 to Teemu first of all. that's enough stuff a house in Teemu. stuff like that's insane first of all. team is what are you doing um I got uh. also no teami will not let you sponsor. this channel stop asking um no I ended.

up getting a bit frame there from there. um a teamu bed frame did all right. should we place a beted on how long. until it collapses yeah probably but I. more so just got it just to get my bed. off the floor cuz ever since I've been. here my bed it's going to be on the. floor yeah in like 30. seconds it's been holding up so far. especially if we keep stopping at the. gas station getting bags of chips that's. not going to help. either going inside getting some BS. going inside getting some BS going. inside getting some BS we went inside we.

got some BS we went inside we got some. BS McDonald's Amazon cash app after pay. cash app Tak kabana cash app go to the. grill cash app Chevron win inside got. some BS there send out some cash app $30. Steve Madden chime again $500 on chime. McDonald's Amazon Amazon my throat hurts. and I have a lot of things to get. through on this statement me tell you. Styles se.com we're back baby winning. got some BS winning got some BS hop Dy.

hop daddy you love hop daddy you're F. Pon truffle fries down in the throat. like. crazy cuz cuz I am also again a thick. boy Styles she winning got some BS cash. app cash app 5. below winning got some BS Amazon this is. this is just insane this is just insane. cash happing out money cash out money. whenn and got some BS win and got some. BS wi and got some BS wi and got some BS. McDonald's winning get some BS Little.

Caesars got her eyebrows dead afterpay. cash app out $35 cash out out $65 when. got some BS got her nails did again when. I get some BS when I got some BS are you. like are you are you the person that. works there or something you're there. every second of your life Taco Cabana. Amazon or do you just like get off and. like sniffing the fumes at the gas. station cuz you're there every second of. every day winning got some BS. waterburger Cash appen Out Texas.

Roadhouse and I love me some rolles but. also you're not paying bills waterburger. oh. thank savings 200 bucks. oh wait there's a cash app statement as. [Music]. well I'm just like picturing just like. this imagine if you just like just even. for even just a high yield savings. account like. okay let's say you opened up a Mumu.

account okay okay that in there at least. for like three months you get an apy on. your money of eight point whatever. percent it's incredible imagine what all. that spending could be doing it could be. making money you could be making money. on your money instead you're just like. ah let me just go inside gas station and. get some crap I don't know this cash app. is weird it's like $400 $38 $5 $25 of. CAS cash at payments are those to. individuals uh yeah they're blacked out.

so they must be yeah ah jeez. me oh it takes longer and longer to get. through statements these days I. swear I don't have anything to. say I guess we just need to Cate you a. budget to see where you stand cuz this. is like from that I'm just this is crazy. man. you other the large purchas is 1,300 for. cash.

app what in the. world uh Primerica $124 and then chime. $525 what are we. doing um Remer you spent. $1,600 more than you brought in so yeah. um well at least for the 500 I can tell. you where that was yeah so that one was. actually helping my mom get the car uh. she gave it to me in cash they wouldn't. accept the cash so I had to move it to.

my charm card in order to this sucks cuz. I love my mom and I will do anything to. help her but there are certain things. where I think this one was okay if they. give you cash you're helping with that. but with the car payment at a certain. point you are one you've enabled her to. get something she can't afford probably. two you're also yourself there is a. point where helping other people is. actually not the right thing to do so. case but there are points where you're. doing that and that is kind of an. example of that okay so $ 4,145 4 comes.

in bi-weekly comes in half of that oh no. bi-weekly we scary debt payments let me. get that debt. payment I'm losing my of damn mind and. then what are you transferring to other. people over $1,000 hours 1,200 whatever. for uh more so eating. out good there's more yeah there's 1,250. of eating out more so you spend so you. spent.

$1,700 eating out eating out and between. eating out and shopping what are you. shopping for just clothes different. things yeah if you keep eating out I. guess you need to keep buying larger and. larger clothes meaning you always have. to go but that doesn't mean that yeah. that's the retail therapy I was talking. about earlier okay no more retail. therapy go to therapy therapy it's. cheaper mhm I don't know that's why I'm. here that's what everyone say. I want to give you free money right now. I've partnered with different resources. that will literally give you hundreds of.

dollars the moment you sign up for them. check out my investing app of choice. Mumu where they give you up to 15 free. stocks and 88.1% interest on your. uninvested cash when you sign up with my. link do you want a more traditional. savings account check out where I keep. my emergency fund Sofi where they'll. give you 4.5% on your money and up to. $300 would you rather have automated. investing sign up for acorns with with. my link and you'll get $20 right now. instead of the usual $5 you'd get from. your friend's referral you can also sign.

up for our investing program and get. $100 and cash deposited into your Mumu. account this is the best way to learn. what your investing profile looks like. and what investing strategies to use. based on that all of this free money is. linked in the resources section of the. description below so don't pass up the. free money cuz I'll punch you your debt. payment it's basically a rent payment on. three things is 1,191. I'm leaving out of there your student. loans are likely 50 but they're zero. right now and leaving out the $500 that.

your mom takes care of cuz you know she. gives it to you she give it to you in. cash no she actually just makes the. payment directly herself oh I was going. to say okay because we didn't see. anything come in okay what's your rent. 14 Al together 14 what's Al together. what's Al together all utilities yes. okay does that include internet yes. water electric gas water electric gas. wonderful renters insurance rent. insurance is probably extra $20 cool gas. vom vom drive drive um I fill up weekly.

and it's no more than. $30 good thing you don't do it bi-weekly. it' be. unmanageable yeah. sorry long conversation it's always the. second half of the week after so many of. these conversations I start to lose it I. feel good for the person who comes on on. Monday cuz I'm like oh how you doing oh. oh this that bad is oh yeah oh don't do. that and by the end I'm like pulling out. a. Glock please don't pull out the Glock.

what's your car insurance um my car. insurance is 130 a month but my mom. takes care of it so. okay groceries 300 hours follow the meal. plan in our budgeting program you can. tweak it to your needs $100 TP fund this. is getting your nails did anything else. you need to survive you can put it in. there okay that can even include a. little bit of fun if you're able to keep. your needs on a low basis. okay.

copays medications doctor's appointments. therapies co-pays that I don't have. insurance right now why um because when. I first according to your last tax dat. first of all why is your job not. covering that because when I first got. there their their insurance is pretty. high so I wasn't making enough to afford. that and then afford my bills as well so. I never signed up I'm sure they had I'm. sure the lowest option know I don't I. can't really trust you're not a reliable. narrator in A lot of these finances I. mean all you can do is trust me right.

yeah but I can't is a thing based on. everything you said at the beginning of. the conversation well I'm let like you. haven't been able to describe a lot of. these things accurately so yeah well the. thing about it is is like I said when I. first got here I was making 18 with the. same company yeah I got you so with your. income situation on the healthcare. exchanges or even just going through. like a brokerage that would find you one. um mean you could have find found. Insurance outside of it and because the. government thinks you don't make much. money because of last year that's their.

most updated thing you could have. honestly probably gotten like $100 a. month health insurance that was halfway. decent right now and even still what I. would do is at a minimum because you can. go bankrupt to this medical things go. out there and get literally the cheapest. health insurance possible to cover you. in the case of a deep emergency and a. minimum basis at least go to that I'm. putting $200 I'm putting $200 a month in. here okay well as of right now I have. have found some resources that what. about your mom does she have health. insurance I can't speak to that I don't.

know you can be on it until 26 I don't. think she does I don't know about your. dad not a picture. okay I put okay what were you goingon to. say oh I was just saying that I did find. a place here that um put me in touch. with different resources that were free. so it's not you still need insurance. though for big emergencies you can't use. these resources for I'm putting 200. bucks there okay and that that's going. to be cheaper than next year but again. just based on what your tax returns say. you might be able to qualify for some. things hang up and mute that phone put.

it on do not disturb naughty. naughty subscriptions nope do you have. any pets I do what um a dog I don't know. exactly what she what breed she is to. I'm still pet it's okay uh pet insurance. pet insurance yeah no not yet okay I'm. putting in there 25 bucks a month okay. get pet. insurance that'll also save you money. cuz you're not going to let it die if it. chokes. no pet food um.

probably at the most 30 bucks and it. last me yeah but no not maybe about a. month and a half it's a pretty good bag. I'm put she's small. yeah phone bill. 176 is your phone bill. yes do you have like an Apple Watch iPad. financed what are you doing once 76 um. it's just really more more so five. iPhones no just my phone and my service.

and then with who. T-Mobile I have T-Mobile what are you. talking about yeah it's my phone that. and then I also had prepaid Internet. with them but I recently got rid of that. because I didn't know that my. apartment's actually when you pay off. your phone switch to helium for 20 bucks. a month it's the same time as T-Mobile. okay okay but you have your phone. Finance so I'm going to put in there. what is it 175 17. you need to fix. that honestly might be worth paying off. early so that you can switch to a.

cheaper thing mhm I. think okay anything else I need to put. in your. budget no well I'm doing this math what. do you think of the financial audit. experience so far so far I have enjoyed. it um I feel like that's why I came here. cuz I kind of need somebody to call me. out on some of that stuff you know some. people watching this video right now. they like to complain think you're a. victim for being on here are you a. victim no I don't feel as though I'm a.

victim you're a victim CU there's a man. making noise across the table from you. slightly louder than inside voice no. okay well you need. $3,561 a month to live good news you. make. 4,145 and4. C so we should be making much more. progress but again we know you spend now. we know thousands of dollars on Fun a. month yeah a lot through cash app but.

are you willing to stop that CU if. you're if you're retail therapy going. out to eat no yeah I'm definitely. willing to stop that so what's different. today than previously like how are you. going to stop that if you've literally. been spending $1,500 $2,000 a month on. phone well at the time when I was. spending it of course I felt like yeah I. don't I don't need I know I shouldn't. have been doing it but I was doing it. just because I could I felt that I could. but evidently going through the numbers. I cannot all right.

583 I would. immediately kill that one collection. just to raise your score a bit that $91. put the rest toward savings cool 500. bucks in savings essentially and then. next month I would do that. again honestly this next quarter I would. do. that and honestly I just I can't have. you in a scary situation again so. honestly through the end of the year I'm. doing minimum payments on the debts okay. uh yeah actually even that $91. collections I'm leaving it there okay. set up that 583.

583 through December so through the end. of this. month Oh wait we're not in September yet. are we no a still in August four more. months I know how months work and that. gets you. $2,332 by the end of the year still. doesn't even cover our full month but at. least we have that as a starter and then. first month next year I'd really like to. by the end of this year um see about. getting out of that Carly's and.

hopefully have. a so you said they would only put in. roll so I'm a little confused what did. they tell you they would do with the. leas they told me that if I give it back. that day that they would only give me. 32,000 towards it what would 32,000. towards the remaining balance of the. lease yes and I would still owe 8,000 oh. yeah so that's why I hadn't given it. back but like I said I want to really I.

really I would talk with them if they're. if they have a $10,000 used car that you. can get certified by a mechanic that are. L your years for safety and reability if. you can get a $10,000 roll that and I. hate this but it might be what you have. to do in your situation roll that. negative $8,000 over an equity since is. with the same dealership they might let. you do that ow. $118,000 on soon as possible are yeah. and again it's going to be at a rate. probably. but probably ranging 1520 maybe.

um ah [ __ ] your payment's not going to. be that much better though it's going to. be easier to pay off cuz the the thing. is is the lease it's still not mine. still not yours and what you'd have to. do at the end is get another lease. but it's a a lot less. controlled ah the thing is could move. over to. finance car no no not this one the if I. were to go ahead and trade it in and get.

well that's what're that's what I'm. talking about anyway oh what do you mean. another lease no so what I'm I'm just. I'm sorry I'm just trying to ma math. this out cu your payment's not going to. be that much better yeah but if it's. unless you get like a 72-month loan like. I'm not going to get you anything larger. than three years. um so it's. just because if you pay off this lease. then instead of re-upping. just call it good and even get a cheap. release for a bit while you're taking. care of the rest of this debt it's a.

option but mathematically in terms of a. minimum monly payment option might not. be the. worst it's complicated yeah so I my. original plan was to keep it until the. end of the year try to save up as much. money as possible while still making a. only able to save 2,300 though well if I. cut out some of my spending and that was. with cutting your spending to zero. except for your needs okay well do you. know have you been here the last 10. minutes no I was here I just maybe.

misunderstood but I was just really. trying to see if I can get a cash car so. that way I can just get out of it I'm. not going to get your 2,000 car cuz. unless you get a really unique situation. that's impossible to find oddly enough. one of my employees did find a weird. 1,000 hour car situation and it's like. in good condition but it was just a. weird thing someone looking to get rid. of a car but whatever either way. like you're not going to find a reliable. car for that much in cash so yeah it's. like that's just going to put you in a.

worst situation in the long run with all. the repairs and then need to get another. car another car right what I would. personally do is I would probably take. that trade in option roll the ne Equity. over and get the cheapest reliable used. cars you can I'm saying 10 but see if. you can get something closer to 7,000. eight or 8,000 MH I'm still doing only. like a threee foure. loan cuz you're probably going to to. stretch it out to like 8 years to lower. the minimum Mony payment but it's not. worth it cuz we're just going to pay it.

off early anyway mhm I just don't want. to give you the ability to stretch it. out over eight years because you could. take the longer one with the lower minim. payments and then eventually pay off it. quicker but I don't want you have the. excuse to be able to stretch it out that. long so I'm probably doing. that synchrony card. no the apartment hopefully that's. negotiated down synchron card that the. first you're tackling still going to. take seven. months uh six to seven months to pay off.

so it's going to be halfway through next. year the Navy Federal this is crazy that. I'm even suggesting this because I mean. I do have the moral responsibility of. pay back the debt that you borrowed but. this it's so substantial and it's going. to take so long to pay off 583 oh sorry. you make 583 no no you pay off the. synchron card in four months you have an. extra 583 so okay four 4 months but even. still the $177,000 alone it takes. multiple years to pay off you can do. that a part of me and I'm not suggesting.

to do this because I don't know I want. to think on it a little longer part of. me is allowing it to go to collections. and then trying to negotiate with them. to only pay half of it cuz it's so. substantial but you could pay it off in. a couple. years with that extra 120 a month that. you're rolling over from synchrony you. should be able to tackle it. in maybe a little under two years. and then you have that new car to take. care. of with then rolling over that's going. to take another two years you could be.

out of this if you don't fin angle at. all and you just stick to the minimum. the payments and you do that car thing. we talked about you could get out of. this in four years yeah and then a fully. fronted emergency fund and everything. let's call it five years total okay you. could do that. now you know obviously incomes increase. over time so we roll that in uh and. you'll have and once you pay off the. Navy Federal you'll have an extra 415 to. third towards a car on a monthly basis. so actually I think this in total could. be 4 and a half years with the fully. funded emergency fund at the. end you have a long journey the thing is.

you don't have a lot of different debts. and then you're taking care of the. collections as well but then you don't. have a lot of different debts but you. have a risky situation with your mom's. car MH student loans that are a little. unknown and then the debts you do have. are very high debts. yeah I would grind it out you can. potentially consider a collections and. negotiation I don't know I would. personally grind a it out on my own end. that's how I would do it that's kind of. how I there's even debt payoff.

services like sense yeah cuz I I I'd. honestly like to keep my Navy Federal. account and everything because I did. talk to a debt consolidation or the JG. Wentworth people and all that stuff you. know but I don't trust them I don't I. can't really trust anybody right now to. be honest with you so um I've talked to. them and everything but I just don't. want to necessarily clo or put a stain. on my Navy Federal why do you care about. Navy Federal um just because they have.

some decent benefits and um I was able. to get a lot of opportunity with them as. far as um you know even just getting. that that credit card no it wasn't. necessarily smart but at the time I did. need. it when I first got it and then it just. started building from near honestly I'd. rather have you look at the relief app. let me send that to.

you it's a better debt. payoff type of system okay again it's. meant for more extreme cases when I. typically use a resource like that oh is. this not an extreme case this is and. that's why I'm considering look at them. okay so that's what I would do okay so. yeah look at the relief app potentially. and we'll send you the information on. that well probably put them in our. resource section as well okay okay. spending in a budget you're over. spending Z out 10 Collections and debt.

so 0 out of 10 emergency fund you had. 200 saved 500 500 I'll be generous and. give you one out of 10 retirement you. have nothing that that scares me by the. way Z out of 10 real nothing Z out of 10. and financial score we only round up. unless I hate someone and I don't hate. you you're a very pleasant person 0.5. out of 10 make sure to check out all the. resources Linked In the description. below z a use or would use in specific. situations now join us for the Post show. we're going to talk about little extra. drama and more things about the episode. and bring in our producers to have some. more knowledge about you and the. craziness of your life and your.

situation so click join below and join. us for that thank you today on the. financial audit post show I'm just. looking to hook up and I was very clear. that just looking to hook up she's like. come pick me up and we're just going to. hook up you know that's fine you know. just being very clear with intentions. being respectful she opened the door and. then she was like you know what I'm. going to let my Tick Tock audience know. about you and then she left open my car. door and then she walked away luckily I. can push it with a button I closed it so. I kind of just like looked at her pushed.

a button and it closed sounds to me like. she had an agenda to watch the financial. audit post show click the join button. below.