Gaslighting. Toxic. B*tch. | Financial Audit

I want to buy a home with my boyfriend. We've been dating for a year. Cuz if. you're renting, then it's like, all. right, it's kind of just giving you a. door to leave. >> You sound insecure. >> I feel like when you're committed to a. house, it's going to. >> You are trying to trap this man. What is. your logic that makes it make sense to. purchase with a boyfriend? >> You're not just going to be yelling at. me. Okay, >> that's actually what this show is. So, yes, I will. bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%. off, but also with a free trial today at.

dollarwise.com. Join the tens of thousands of people. who've changed their lives and joining. dollar wise central right now for free. >> Hi, I'm Camila. I'm 26 from Phoenix, Arizona, and this is Financial Audit. >> Thanks for coming to Austin. What do you. do for a living in Phoenix? I'm an. insurance agent. So sales. >> sales very commission based. >> um. slightly. Okay. >> I feel like it's more salary. The salary. is heavier than the salary. >> I'm making 2,800 every 1st and 15th.

2,800. >> net. >> No, net it's 21. So after taxes I'm. taking 21 home. >> Okay. >> So 2100. >> every other week. >> Yep. >> First. >> every 1st and 15th. >> Yeah. Yeah. You're by monthly. Yeah. We. like that. >> Yeah. And then the 15th I get the bonus. Bonus usually ranks from like $300 max. to a,000. >> Okay. So what is that averaging? Like. what would you say like five six? >> I'd put it at four 400. >> Okay. Averaging 400. And that's net 400. >> Correct. Net. >> Okay. So you're at 4,600 a month.

>> Okay. Yes, sir. >> So you're not doing bad. Okay. >> Okay. >> Oh, interesting. Okay. Well, I was going. to say not too bad. I mean, talking net. out in the middle of a desert. Okay. were at $55,200. So, compared to the median income in the. United States, you are beating them. Congratulations. At 26, you are beating. them. >> Yeah. >> So, you're killing it. You're doing. well. >> I think I could do better, but I think. we all think that, right? >> Well, I mean, that's probably why you're.

on the show, which was going to follow. into my next question. >> What's going on here? >> I'm a spender, dude. I just love to. spend. I love clothes. >> You love clothes. And this is not. typically what someone, no offense, looks like when they say, "I love. clothes.". >> I'm wearing a t-shirt. It's a cool. t-shirt. >> I can't even tell what's going on. When. someone say they love clothes, they're. usually glammed up and they're, >> you know, they got something going on. that [laughter].

>> special with the t-shirt. >> No, it's not that special. It's just. more a little, you know, wrist slitty. than anything. So, it's just not usually what I kind of. go with that. We'll see if that's where. your money goes. Uh I I guess if you're. just buying graphics tea all day. Um. >> yeah. So shopping, a lot of drunk shopping, get a little. sippies. >> Sippies. >> Sippies. >> Sippies.

>> Huh? >> Sippies. >> Okay. And sippies is drunk shopping. >> is what I'm putting together. >> Drunk shopping. >> Okay. How often are we drunk shopping? What. does a drunk shopping look to you? >> I feel like I' I've toned it down. But I. don't know. Like sometimes you just see. something and you're like, I want it. now. We might die tomorrow. >> I'm talking drunk shopping. >> Yeah. [clears throat]. >> Huh. >> Oh, interesting. Okay. >> I mean, it's not that often, but I'll. say usually the the big purchases, the.

bad purchases are done. >> And what are they? What does that look. like? What does that mean? >> It means. >> I'm trying to get I'm trying to. understand you. You have to kind of walk. me through what you are. >> It means like using credit cards when I. shouldn't, using a firm when I. shouldn't, and just buying whatever I want. >> Can we be honest? You sounding. reasonable then. What the is the. problem? Listen, if I came in and I, you. know, I had some kind of issue and I was. like, "This is my issue. I shouldn't do. it. It's a problem." Then I wouldn't be.

struggling. You sound unreasonable. What. the What the [ __ ] are we talking about? I thought it was time that, you know, I. had someone just just kind of like rip. me a new one. >> What do you mean by that? >> I know what I should be doing, but I. don't want to do it. >> Why? >> I don't want to. >> I know what I should be doing, but I. don't do it cuz I don't want to. Good. So, that's the end of the conversation. >> No. No. >> Well, if you don't want to do it, then. what the are we doing? >> It's just sometimes like it just feels. better to buy. I don't know. >> Cool. It absolutely does. So, what are.

we doing if you don't want to? I mean, I've been drinking less, that's for. sure. >> Congratulations. What have you gone down. to from what? [laughter]. >> It used to be like probably like four. days a week. >> Now it's like just weekends, Saturdays. >> Okay. So, two days a week. >> Yeah. A lot better than four. It might. be. >> Well, I don't know what that looks like. Were you having a drink or were you just. getting completely blacked out? >> No, I would probably do like three. drinks max. >> Okay. Which I mean, you're a little. thicker so you can maintain it, right?

So it it goes a little further. >> No. Yeah. So I would say like three. drinks max. Weekends usually though I. >> Well, this is an alcoholic audit, so I. don't really give a if I'm being honest. >> Yeah. >> Um. >> going too deep in that. >> Oh yeah. Like no offense. That's not. what I'm here to talk about personally. I mean certainly if it's affecting your. finances and you're saying you're. getting sippies, that sounds like it's. affecting your finances a little. And if. we want to talk about that, that's fine. But I again I'm trying to get a. baseline. Like what the are you saying? You're saying it's bad. I know what to.

do, but I don't want to do it. So, what. am I doing here? >> Yeah. >> Are you drunk right now? >> No. >> Seems like it. >> No, I just kind of just want a road map. to get this. Like, I have goals. I want. to buy a house. >> But you just said you don't want to do. what's required. So, what are you. talking about? >> I guess I don't know what to do. >> No, you literally said you know what to. do. And what's the problem? You just. don't want to do it. >> Yeah. In the moment it doesn't feel as bad and.

then I'm looking back and I'm like, "Bro, I didn't even have the money to. spend on that and I still bought it.". >> Why did you do it? >> Cuz in that moment I wanted to. >> Okay. And you're saying you're not. willing to change that. So what are we. talking about? >> Well, like in my opinion, I don't think. my finances are that bad considering. that the bills are paid. >> Didn't you start the conversation with I. spend too much and I'm bad with. finances? >> But the bills are paid. So, >> you make no sense. You were saying just. endless contradictory things.

>> You make no sense. I don't know cuz I. this this part of the conversation is. where I try to learn what people are, where they are in their mentality of. money, where they come from, what you. know, we learn about you. But I've. gotten just two conflicting. personalities. I don't know what you. are. >> It's like the good, the little angel and. the demon. >> No, it's the singular. It's I don't know. what you are. I don't know what's. truthful and what's not.

>> I'm being honest. I don't think I've. lied about anything. >> My finances are bad. I know what's bad. I know what to do. I don't want to do. it. Also, hey, you know what? I think. I'm doing pretty good. I'm making the. bills paid. The are you talking about? You don't know what the are you talking. about? >> Well, the bills are paid, so I feel like. anything extra I could spend it on like. a shirt, shoes. >> Okay. And that's why you're here. >> Here's the thing. cuz I know I make some. I make decent money. and I. >> Yes, you make decent money. >> and I don't know what to do with that.

money and I feel like the more that I. make. >> No, you literally told me you do know. what to do. You just don't want to have. to pay my bills. I know when my bills. are due and the bills. >> No, you said you don't want to change. your behavior. >> I want to. >> Okay. See, again, the conflicting. information. That's the complete. opposite of what you said, >> but I try to fight like that that urge. to not do it. You know what I mean? No, I don't. I don't know what you mean cuz. that's moronic. How about you try to. tell me what you mean? Can you give me. some semblance of reality into you? Cuz.

right now I don't understand you. You. need to be studied. >> I think the thing is bills are paid. I. never really miss a payment. >> Okay. So [snorts]. >> I never really miss a payment is kind of. a qualifier for sometimes I miss a. payment. >> like on certain things. Not like big bills like rent and like. >> small bills it's okay to miss the. payments. >> I mean sometimes yeah not miss them. completely just be late. >> and that's okay. >> as long as it's not affecting my credit.

>> Okay so the credit's the big important. thing for you. >> Yeah huge. >> What is even going on in your life? >> Nothing. Just working. >> What are your goals? What are your. aspirations? What the are we talk? You. have not been able to answer what are we. talking about without contradicting. yourself five times. I do not know what. this conversation is. >> Well, like what's your question? I feel. like your direct question. >> I just want to learn more about you. But. you. >> What do you want to know? I feel like. you're not really asking questions. You're just yelling at me. >> I said what's going on in your life?

>> I work and I. >> Life is so much more complicated than. that. >> I don't know. >> There's always more to these stories. Always. You cannot be the only person in. the history of the show that does not. have more going on. >> Well, I'm working. I'm trying to get my. finances right because my boyfriend and. I want to buy a car. >> Sorry. >> Boyfriend and I want to buy a car. >> Not a car, a house. Sorry. >> Very different. >> Yeah, we're Yeah, we're looking to buy a. home. >> Oh. Oh, so an actual potential answer.

Wow, that took 10 minutes to get to. I. appreciate it. >> Be more direct with your questions. Be. like. >> ask what's going on in life. What are. your aspirations already? Ask what your. aspirations were. Yeah. And I just I. literally Did you just call me a tit? >> Yes. >> You're a tit. You're a gummy bear. >> What does that mean? >> You're a gummy bear. >> Yeah. What does that mean? See, that's a. question. >> Well, you just call me a tit. What does. that mean? >> Oh, you're a tit. A booby. >> Exactly. Yeah. And you're a gummy bear.

>> Interesting. >> Anyways, yes, that's my goal. I want to. buy a home. >> with your boyfriend. >> Yes. How long have you guys been dating? What are you laughing about? >> Cuz you look like a L boooo. [laughter]. Bro, you guys are twins. Anyways, yes. I want to buy a home with. my boyfriend. We've been dating for a. year. >> One year. >> One year [clears throat]. >> dating. >> Yeah. >> Why would you buy a house with someone. you've been dating for one year? Where's. the logic?

>> Because it's not logic. Where's the. logic? See, that's another question. Let's see if you're able to answer. >> Logic is there. When I I've asked what. the logic is. Let's see if you are at. the third attempt able to answer that. question. >> What do you mean logic? >> OH MY GOOD. WHAT IS YOUR LOGIC THAT. MAKES IT make sense to purchase with a. boyfriend you've been dating FOR ONE. YEAR? TRY TO GIVE ANY semblance of an. answer. >> All right. All right. Tone it down. Tone. it down. >> Dude, you're obnoxious. >> You're not just going to be yelling at. me. Okay. >> That's actually what this show is. So,

yes, I will. >> Okay. Anyways, the logic is I'm very. picky with my partners in general. So. when I started dating this person, I was. looking for a lifelong partner. I'm not. just going to date just to date. >> Well, what do you think dating is? There's the dating without the intent of. >> trying to actually be together. >> Literally like boyfriend, girlfriend. >> Yeah. What's the point of getting. boyfriend girlfriend without that future. intent? You're not dating to break up. So no. >> Well, like dude, this is like hookup. culture. That's not dating. That's not boyfriend. girlfriend. >> No. There's a lot of people that aren't.

willing to just commit. And I I needed. that. And I'm like, >> okay, regardless, go on. >> All right. So anyways, that's what it. is. This part, this is somebody that I. want to live my life with. So we want to. buy a house. We both live Well, I live. with my mom. He lives with his parents. So we. >> That's why you're so immature. Okay, I. understand. I get it. Okay. She's been. little precious baby. >> I am the favorite. I will say that. >> No. Yeah. Who would have thought? How. many siblings do you have? >> I have two.

>> And you're the favorite? >> Yeah. >> Why? cuz I'm cool. >> Hot Topic shirts in 2025. >> Okay. So, you're trying to buy a house. with someone you're not married with. Are you guys going to be on the loan. together? >> Yes. The plan is to go 50/50. >> Do you not see potential risks here. without being married? Any legal. protections around that? >> I do. >> When it comes to separation, >> but that's the thing. That's also we're. looking to get married. Not any. >> Well, then why don't you get married? Well, but you're looking to get a house.

soon, but not marriage. Wait, why not? Why? Why not do that step first? >> I feel like we should be dating a little. bit longer. >> Sure. Before you get a marriage and then. a house. Yes, I agree. Why are you. putting that house in there as this. instant run to? You guys can rent. together. Shouldn't you test if you can. live together before you get a house? Even Shouldn't you at least test that. element? >> I feel like if you're testing it, then. you already know that it's not going to. work. >> So, just that doesn't make sense. No, that doesn't make sense at all.

>> I feel like it does. Explain. >> Cuz if you're renting, then it's like, all right, obviously you're renting for. a year. After the year, it's kind of. just giving you a door to leave. >> No, it's it's renewing or getting. another rental or getting a house. What. are you talking about? Giving you a door. to leave. What? Are you that insecure in. your relationship? >> No, I just. >> Then what door is there to leave? You. sound insecure as. >> I feel like when you're committed to a. house, it's going to make. >> committed to a house. It's committed to. each other. Is that about being.

committed to a piece of property? You. know how many people are dating get a. house together and then break up? Still. that that just because the. >> makes it harder. It makes it harder to. break up. >> Uh it it might make it more. >> messy but. >> more messy. But that just means two. people that are unhappy stay together. Cuz if you're going to break up, you're. going to break up regardless. But if. you're forcing yourself to stay together. because of a house or kid, you're just. staying together hating each other. I. just don't see how that's. >> or you just don't want him to escape. when he realizes who you are to live. with is what I'm hearing. Honestly,

that's what I am hearing. >> No, no, not at all. I just don't see the. point in renting especially like it just. feels like where you're throwing money. away. >> Not necessarily. I mean, for what it's. worth, renting right now is cheaper than. getting a house. Let's be clear. Two, volatile housing market. You're in a. boom city. That's a more volatile. housing market. You could get a house. The housing prices could go down for a. little bit. I'm sure overall they will. go up. Number three, all your money that.

goes into a mortgage, your first minimum. 5 years is basically all interest. You. ain't seeing any equity gain in that. house when it comes to the payments. It. would have to be the housing market. itself. Four, if you rent, you're not. paying for repairs. You're not paying. for a new roof. >> You're [clears throat] not paying for. all that. >> Well, the way I see it, my goal is to. buy a house. His goal is to buy a house. Why not buy a house together? Why not. wait until we at least see if we're. compatible together in a living. situation and then give us more time to.

save up cuz Okay, you're on this show. No offense. That means you're. financially. >> How are you even talking about buying a. house and splitting a 50/50? What is. splitting a 50/50? FHA. >> I don't know. Just basically like we're. both going to be on the loan. We're both. willing to pay the bill. >> I haven't looked into it. I'm trying to. raise my credit. I'm trying to pay off. my credit cards. I think right now it's. at like 630. >> So, interesting enough, uh, trying to. pay off our credit card is spending. $17,569. in this last month and bringing in, you.

know, an average of $4,600. Go ahead and please make that make. sense. How is that trying to pay off our. debt and raising our credit? Inform me. on that. I'm not I'm I'm ignorant. I'm. not educated. Please inform me. Teach. me. >> I have a piggy bank. I have a piggy. bank. I'm putting away my fives. What the [ __ ] are you talking about? You. spent $17,000 last month. >> $17,000. >> $17,000. >> Is that taking in like getting zelled? Like I split my rent payment. So I get.

zel to your mom. >> Yeah. >> Okay. So total that came in, let's. include uh zel was an extra 1,85. Cool. You still spent $17,000. >> $17,000. >> Oh, here. Let me check. Oh, $17,000. >> No way. How's that even possible? How's that. possible? If I make 10,000. >> debt, >> so again, how does that equate to paying. off credit cards and raising our credit?

How much do you have in this piggy bank? This $5 piggy bank. >> It was probably like $200. I barely. started saving. >> Oh, what a down payment for a house. Well, you have debt. Why does that even. make sense anyway? >> To have high interest, bad debt. Yes. Why would that make sense? You're not saving for a toy. You don't. have one low interest or no interest or. good debt. Everything you have is high. interest bad debt. And that is $41,73. with not an asset to your name at 26.

>> I know. >> Okay. She knows. >> I know. >> So, it's another thing you know and then. do nothing about. >> The piggy bank. The point of the piggy. bank. When it's out of my way, out of my. face, I'm not spending it. It's $200. and regardless not spending it. >> Buy a house tomorrow. >> But you're talking about buying a house. before marriage anyway. How long are you. guys going to live at home? Cuz you said. rent is not an option to rent together. So it sounded like it was pretty damn. near future.

>> If I get my situated, I'm trying to look. for a house next year. That's the goal. >> Okay. How long did the $200 take to save? >> 4 months. [music]. But I it's it's been saved. I'm not. touching it. It's obvious. How are you. getting a house? >> I'm going to save more. >> Not with your spending. Please tell me. how you're saving a house. What are you. saving? What amount are you saving for? What are you trying to do? What's the.

average house. >> out there? What we're looking for is. like. >> No. What's the average house? >> I think the average is probably 400,000. >> Close 416. Cool. So, but you might be. buying, you know, lower. That's average. Maybe you're looking 300. Wonderful. What percentage are you putting down? >> I've had this just like $10,000 is what. I'm trying to save to have $10,000 going. in. >> Well, and that's half cuz he's doing 10. >> No, he's going to do We'll do five and. five. So 10 together. 10 together.

>> Let's say you get 300,000. Okay. Yeah, that's 3%. So you're looking FHA. You're. talking FHA, first-time home buyer loan. Okay. [clears throat]. Which in a market like Phoenix is risky. as cuz again it's a boom and bust town. >> Yeah. I've never like sat and really. >> you're not going to have an equity. position in this house and then it's. going to go down and then if you're. forced to sell it for whatever reason. you guys break up. Who would have. thought might happen in a relationship. where you guys didn't test if you were. actually compatible.

before getting in a house together. Then. you're going to be underwater. We. literally just uploaded a video of a guy. that was in a position just like yours. and they broke up and they're underwater. and they CAN'T SELL THEIR HOUSE in a. boom and bust town. >> Okay. >> Okay. >> I'm not thinking that far. I guess. >> you're not thinking. >> Okay, I am thinking. I have goals. I'm trying. to meet them. >> No, your choice is $200 in four months.

Okay. 200. So what is that? That's 50. bucks a month. Great. You double it. $100. You want to get it in a year. Very. good. So you save $1,200 in a year. So. we're a fifth. We're a fourth of the way. total. We're a fourth of the way total. to your $5,000 goal. And that's even if. he brings $5,000 to the table. First of. all, he's agreed to it. Let's see if he. does it. What progress has he made? >> Yeah. I. >> Yeah, that's an interesting answer to a. question of what progress has made. >> Savings. HE HAS SAVINGS.

>> HOW MUCH? I DON'T KNOW. >> YOU DON'T KNOW. YOU'RE TRYING TO GET. into a house with someone that you are. not married to and you think he has. savings, but you do not know how much. because you haven't had a financial. conversation with him. >> I've had slight conversations. >> What you have learned? >> I've learned that he has $3,000 of debt. It's mainly like car debt. >> So, we know what debt he has. >> Yeah. >> But not the savings when we're talking. about savings. >> And he has like rainy day savings. So, I. assume it's over $1,000, but I don't ask. the exact number. So, Phoenix, we have.

some options. One, shouldn't probably. buy a house unless it's in a walkable. condo type area that is under 1500. square foot, 3bed, two bath. Well, this. one alone is two bed, two bath, 1,200. HEY, THAT'S IT. 1,2 [screaming]. 1,280 square ft. >> You're going to show me and I can't look. at it. Quiet. >> That makes no sense. >> This one has a pool. Three bed, two. bath, 1,800 ft. This one, uh, meth den,000 ft, three. bed, two bath. >> Not the meth den. Listen, might be the. only one you can afford. This one, four.

bed, three bath, 2,100 ft. Rounded. >> So, what house are we picking? >> What house are we choosing? Because. you're going you're virtually touring. Okay, here's the here's here's the. houses. What houses are you choosing? >> Just based off photos. >> Well, you're obviously buying a house to. live in and not renting. So, you're. probably picking it visually a little. bit. Okay. So, this is the house you're. buying. Very good. >> Wonderful. Four bed, three bath, 2,100. ft². Yeah, that's $475,000.

>> Mina, show me the price. >> You can't get that. You just straight up. can't get that. >> I know. >> Your minimum payment alone would be. horrendous for you. What's your rent. right now? >> That's part of first. >> What's your rent right now? >> It is 2,200. We'll say. >> we'll say no. What is your rent right. now? >> Yeah, it's 2,200. >> But you said you That's You do half. >> because they do. Yeah. So, I pay. half. [music]. >> So, >> so your rent is 1,100.

>> I don't know why you didn't just answer. that. Youing creature. >> First off, if I'm looking at houses, I'm. going to be looking at the price. I'm. not going to pick a $500,000 home. I. know. >> Okay. Math 10,000 ft², three bed, two. bath. Yeah, that's $425,000. >> That's so ugly. >> So, how are you going to even afford. that? Okay, maybe we go the not great. investment of the two bed, two bath, 1,228. A house that would be hard to. sell in the future. 420,000.

420,000. Maybe you want the house with a pool. Three bed, two bath, 1,800 easily more. easily resellable. Has had a price cut, but still 470,000. >> I don't know where you pulled these cuz. I'm seeing houses. I could tell you by. looking at the top of the page. I got. you. It's not below. It's also, by the. way, in the city that you're looking. >> I see things that are 380 390 and they. don't look like that. >> Well, I mean the meth is in it looks.

like close to downtown. So that's why. it's a bit more expensive. >> and I wouldn't want to live there. >> Well, I know, but we picked the place. here that you want to live. We pulled up. some options. So, you're looking. >> all not good options. I found a 310,000. place. Two bed, two bath,000 ft. Not. great. Little cute. Going to be hard to. resell if I'm being completely honest. And probably why this person is priced. up by 10,000. But that's 310,000. Okay. Very good. So, I have this house and let.

me put it into the payment calculator. for us to get. We're putting 10,000 down, which honestly honestly is not going to. be enough. And then you're going to need. to bring money. There's going to be. first-time assistance potentially, but. your pro there's also closing costs you. need to take in account if you don't do. that. Okay? So, bring in property taxes, everything that is $2,453. a month. That is more than doubling your. payment. Now, you're going to say, "Okay, but he'll split with me. It is. still more than you have. And also,

you're not taking in account roof. You're not taking in account flooring. You're not taking in account. refrigerator break. You're not taking. account anything that comes with home. ownership. And that's if you get a 6.38%. rate, which I doubt you would probably. be closer to eight with your credit. score, including his as well. >> So, what you're saying is just need a. bigger down payment, >> and that would bring it to $2,781. a month. What I'm saying is you cannot. afford a house. What I'm saying is you. should not get a house with someone that. you do not know if you're compatible.

living together. What I'm saying is you. not should get a house with someone. you're not married to. What I'm saying. is you should not get on a loan with. someone you are not in a literal legal. partnership with. I am saying a lot of. things and all that is coming down to. this is a fat stack of paper. Meaning. you have a ton of debt and a lot of. dumb. You spend beyond what you make on. a monthly basis. You're not even in the. conversation of buying a home. This is a. moronic way to begin the conversation. and your goals make no sense.

So, let's get into these finances cuz. this is going to take thousands of. years. >> Oh my gosh, it's not that bad. >> Did you even know about PMI? >> No, I don't know what that. >> Okay, private mortgage insurance. So, what you have there is when you're under. 20%, you're going to have to pay a. monthly payment into this insurance. because you are too risky of a borrower. >> Yeah, I didn't know that. >> You can pay that off up front. usually a. few thousand bucks, >> but I doubt you'd be able to since. you're only bringing 5,000 to the down.

payment. >> I'm just kidding. Bigger down payment. But like I said, >> remember, if you double your savings, you will be at $1,200. a year from now on top of the 400 you. have saved. Well done. Very smart. >> I will find a way. >> If you want to find a way to be on this. show, go to caleb.com/apply. We'll have you here in Austin, Texas. It's a fun time. I want to know what you. think your financial score is. 0 to 10. Zero being the worst, 10 being the best. What do you think? >> It's probably a zero.

>> Okay. First reasonable thing. You've. said all conversation. Listen, get your. score. Figure out where you stand. Take. the assessment. It is free at. calebhammer.com or dollarweise.com, whatever you prefer. And don't forget to. sign up for the dollar wise budgeting. app, ladies and gentlemen. Take the free. trial. Also, sign up for the annual. version if you want to save a lot of. money and get our budget friendly. cookbook signed by me mailed directly to. you. You can sign up for the free trial. Dollar Wise Central, our all-in-one. program that has a premium version and. all of our educational products all. bundled together for 80% off. Check it. out. dollar.com.

Let's get into these cuz what are WE. DOING? OH, GOOD. [screaming]. YEAH, LET'S JUST START HERE. Wanting to. get a house, saving money. Oh, we're. saving. We're saving $200 in 4 months. She's pay advancing herself. >> Bro, got to out me like this. >> It is financial audit. Well, the thing. is I got stuck in that cycle and now. it's like just that vicious cycle that I. can't get out of. >> Buddy, this is a cycle of What's your. total due?

>> They're all different. >> What's your total do? What do you think. total means? That means all the. different ones added together. >> It's about like 2,600 2,700. >> Oh, that actually is difficult. Usually. these pay advance people get into like a. couple hundred. Yeah, there's. >> $2,600 to pay advance that you're having. to owe. >> Yes. >> That you're stuck in. >> Yes. >> Oh, >> there's three. So, one of them is a. thousand, but obviously with after all.

the little fees and the tips, [screaming]. >> you actual creature [ __ ] Every single. time she borrows this $150, $100, $150, $100, she tips. She tips the company a. thank you of $2. $2. $2. Why are you. tipping them? >> Because. >> Why are you tipping them, you actual? >> Um, if I'm being honest, I've noticed. when you don't tip, they like lower your.

advance amount. >> But you should want the lower advance. amount because you're stuck in this. >> But I'm stuck in it. And how how am I. going to pay my bills? [screaming]. >> How am I going to pay my bills if I. don't pay advance? They literally my. check gets eaten up by it. So then I. have to borrow it again. >> Is it pre-taken from your check? >> Yeah. So basically. >> you have it connected to your account. You gave them access to your damn. account in order to sign up for this. earning program. >> Yes. >> You creature. That is like the worst. thing you could possibly do. It's like. taking out a payday loan and giving them.

access to your bank account and they. garnish it. >> Yeah. >> Why would Why would you Why would you. get into this? Cuz this is insane. This. is insane. >> I know it's bad. I know it's bad. >> 2400 you said. >> honestly closer to 26. >> Okay. 2600. Tell me how'd you how'd you. get into this and how long did it take. to get stuck in the cycle? >> I would say like officially stuck in. this cycle for 2 years. It started in 2021. I lived on my own.

Didn't get that much money. >> You lived on your own already and you. couldn't even survive that. And you. ended up in a pay advance cycle. >> Yeah. Well, >> and we were thinking of getting a house. What is this conversation? Ladies and. gentlemen, of financial audit, this is. one of the most exciting moments in this. channel's history. You know, I've been. working on building all these. educational tools, our budgeting app, all this crazy stuff over this past year. cuz that is where my passion is. We. finally did it and now we put it all. into one program called Dollar Central.

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change your life in any way whatsoever, like literal tens of thousands of people. have done with our programs, go to. dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go. You're losing me. I'm already. lost. >> It just got It just got vicious. you. just start to borrow. Bonus isn't as. juicy one month. So then it.

>> can work better. You're in sales. It's. all up to you. >> I know. I know it is. So that's honestly. what I've been trying to focus on. But. now I'm like looking at everything in. paper and I'm like living on your own. >> Okay. So in 2021 I had my own apartment. and I would say 2021 is when the pay. advances started. Told me about it. >> You lived at home. You lived outside of. home one time in your adult life and you. immediately all in. You're telling me. you want to get a mortgage? Well, there's a lot less flexibility. You.

can't break that mortgage and move in. with home. >> I want to go in. >> Older is nothing to me. Older is. nothing. Nothing. Not a magic switch. doesn't flip at 25 like the internet. >> You're trying to be more mature, but I. see but I see your finances. You. absolute I see your finances. You're. trying to be mature is not more mature. In fact, one of your mature things is. trying to get on a mortgage with someone. you're not even married to and haven't. lived with. You think that's mature? No. That is childlike behavior. >> I don't think it's that stupid. >> So, you How long did you live? How what?

We've been through the conversation. >> Okay. Okay. Yeah. I won't bring it back. up. But I don't really think it's that. stupid. >> Argue the point. Argue the point. >> ARGUE THE POINT. >> IT'S not dumb. I don't. >> Argue the point, you absolute creature. What the are you? You cannot disagree. with what I'm saying and not be able to. argue a point. >> I'd rather own a home than rent again. >> No, it's about getting on with him, someone you're not married to and. haven't lived with. >> Like I said, I saw this person as a life.

partner. Yeah, we've only been dating a. year, but I could see myself. >> about dating a year. If you were dating. a year, but living together for a year, maybe I would talk about it and you. know, that would give a little more. flexibility. I'd still prefer marriage. first. But you guys haven't lived. together. >> I just don't think it's that deep. But you don't have an argument. An. actual like points you can bring up. >> Like what? >> I talked about the risk to it. Oh my. gosh. >> I don't understand what you want me to. argue. I don't think it's a stupid. choice. That's the. >> argument. So you take up from earning.

That's not Yeah, but you don't have a. point behind it. >> You have the headline, but nothing in. it. >> Yeah. Well, look. >> Okay. So, you're borrowing from earning. every other day on average, it looks. like. So, >> 15 days a month. Great. What's your. minimum monthly payment? I know it's. it's usually spread out to different. days, right? >> Yes. >> Okay. But what just stacks up across the. month cuz this is endless on a same. month every time. >> So, >> and of course you got these lightning. fees every time is six bucks. >> Yeah. So, with earning it's at like.

1,030,60. >> a month. >> Yeah. >> Okay. 1,30,60. We'll say 1,60 depending. on the tips. >> So, that immediately takes a fourth of. your income [clears throat]. just about. And you want to get on a. again a mortgage. I mean, that blows my. mind. You live with your parents right. now. >> You pay rent. You split it with her. Yes. >> Would she cover it for a month if you. struggled? >> I wouldn't do that. I just can't. >> She'd be willing, but I wouldn't do. that. >> Okay. That won't happen though if you're. in a mortgage situation. No. That bank.

come knocking. >> I know. But I have trust in the person. that I'm buying it with. >> I'm going to call this guy in the post. show. >> Okay. I'm going to call him in the post. show cuz I I need to learn more about. this from his side. >> This is crazy. Okay, so you lived alone. for one year and did you was it just one. year and you moved back in? >> One year and your entire life went to. and you think going again this doesn't. make sense. You're setting yourself up. for failures like we can learn from the. past about the future. >> What does your boyfriend think about. your financial situation?

>> He knows it's bad. I guess he just he. isn't judging. >> What does he think about it? I'm glad he. knows it's bad. What does he think about. it? human and answering questions is the. one of the. >> Dude, you don't really ask direct. questions. I literally just said, "What. does he think about thinks about it?". >> You could have said that. That's the. answer to the question. You actual. creature. >> You're a gremlin, too. >> No, but at least I can answer questions. At least I try to. And if I don't know, why I say I don't know. >> Well, yeah. [clears throat] I don't. know. >> What does he think about it? He knows. it's bad. >> That's a thought. That's not a thought.

That's a knowledge. >> I don't know what he thinks about it. >> Okay. So, he's never told you anything. or gave you any advice? >> No. Okay. Lies. I know for a fact based. on the conversations that you have had. with the producers that he wants you to. get a second job. He. >> doesn't want me to get a second job. >> He advises that you get a second job. >> Yes. >> Which means he wants you to get a second. job. By the way, liar. Why the would you. just not tell me that? >> Because it wasn't pressed. It's not like. he's pressing me to get a second job. >> No, but that's his opinion. That's his. opinion. I'm asking what to say.

>> I had asked after like breaking down my. finances. I was like, I think I'm going. to need a second job. And he's like, yeah, babe. You might need a second job. >> Well, babe, you might need a second job. Why haven't you gotten a second job? >> Because my freaking schedule's. >> your schedule. What's schedule? Tell me. about it. >> It's 11:00 to 7:00 now and then I work. every other Saturday. And honestly, thinking about it, I'm like, where? >> Good. Work every Sunday. >> Where? >> Fast food. >> I tried doing the Uber Eats. >> Uber Eats is hit or miss depending. Phoenix might be a good city. Okay,

maybe not then. >> Maybe you're running the area. Right. area, right town, but no. Work an. evening shift somewhere. Walmart evening. shift. You just have to curate your. resume to make it look like you're not. just gonna leave when you get a job. you'd prefer. That's why people fail. when they think they're not they're. getting turned down for being. overqualified. No, it's not a being. turned down for being overqualified. It. looks like your resume is like, "Hey, I'm going to take this for a month and. wait till I get a better job." So, you. just have to curate it to pretend like. you actually want to work there and stay. there. And you could get an evening job. You can get a Sunday job. >> But like, are people really just.

scheduling you on Sunday? I don't. believe that. >> Just Sunday, that one will be hard. Exactly. But you have evenings and. mornings open. We've tal You've already. told me. >> I know. I just like it's finding it. Honestly, it's finding it. I haven't. looked. >> Finding it. You haven't. Well, that that. you can't find what you don't look for. >> because I really don't want to. I don't. want to have to need a second job. >> Well, I already see a fourth of your. income literally going to earning a. loan. And it is the first piece of paper. on a very large stack of documents. And. you spend 14,000 when you bring in about. five. I don't know where you're getting.

the 17,000 but. >> well if we go through this we'll find. out but listen your earning counts what. you put towards it what you spend on. things your rent counts now of course. you had zel in of 1805 and we can talk. about that and we can add that say okay. maybe she made like $6,000 total gotcha. 6,500 cool still spend 17 so it still. doesn't make sense. >> yeah I don't know. the 17. >> now in the conversations you had with. the producers it wasn't you didn't talk. about how Uber Eats didn't work and I'm. glad you're saying that on camera now. >> yeah yeah shake your head. Yeah, agree.

with me before I absolutely ruin your. life. Anyway, so the fact is. >> I did mention it. First off, I did. mention it. I did mention that I tried. Uber Eats. >> I know, but the reason that you stopped. isn't what you're saying on camera now. to look better. in the precon conversation interview. You thought it was beneath you. >> No, >> that's what you said. >> I did not think it was beneath me. >> Said $100 for 4 hours. And quote, "$100 for 4 hours is not. worth the highest. That's $25 an hour.".

>> That was. >> That's not worth my time. You think it. is beneath you. >> All right. Then it's beneath me. >> Then you're going to think everything is. beneath you cuz you're going to make. less at Walmart per hour. You're going. to make less at McDonald's per hour. You're going to make less at whatever. job we pick up per hour most likely. >> I know that's It just goes back to I. just don't want to have to have a second. job. I don't want 10. >> right now. It's not working out and I. don't really care about what you want. If what would what do you want more to.

get to that future you desire or to just. be lazy right now? Cuz that's what it's going to come to at. the end. And he also didn't want to do. Uber Eats Friday Saturday nights when. you can make some of the best money. >> I know. >> I mean that's on you, dude. You're not. going to find sympathy for me. People. make sacrifices in order to pay bills. That's what we do. Welcome to the world. >> I don't know. I just I can't after the. week. I just don't want to.

>> Well, that's what wants are very. different. >> Last thing I want is to drive around for. hours. >> Give up. >> Like I said, I haven't looked, so I. don't know who would hire me with the. hours that I work. >> We'll see how the budget looks at the. end. Oh, there's more earning. Earn 150 bucks at a time. It's crazy. Oh, she also Daves. Listen, the little. cash advance things are actually you can. you can finesse. It's not the worst as a. concept, but it is people like you who. cannot use a credit card, who cannot use. who cannot consolidate debt. There are.

things out there that are good. Debt. consolidation, 0% credit cards. There. are things that are good. This is one. thing that could be good, but the vast. majority cannot use it. And you're in. the vast majority. So, you're more pay. advancing. >> I'm abusing it for sure. >> Apparently, optional fees. Why are you. paying optional fees? You're tipping. again. >> Yes, >> you're tipping $27. Also, they charge. like a fee for like an express fee and. like I need it immediately. >> Oh, overdraft. You have an overdraft fee. on here. A Dave. [screaming]. YEAH, AN overdraft Dave fee.

YEAH. >> I didn't know that. >> Well, now you do. Year to date, you've had. uh three of them. And this is 7 months into the year at. these statements. Yes. >> The time of these statements. So almost. half the months you've overdrafted. Let me guess. You're just using an. investing app that doesn't invest in.

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or hit the QR code or the link below. Let's get back to the show. You're never. going to get anywhere. Not with this, dude. Not with the way you were doing. this. And you didn't even know you were. overdrafting. And you've overdrafted. half the months this year so far. Yeah, I should didn't know that. >> Withdrawal resulting in overdraft $1,800. bucks. Only deposited $1,248. Optional fee $27. Overdraft fee is $45. this last month. Owing a total of 624 by. the end. >> But of course, you owe more on a monthly. basis cuz you borrow more throughout.

So, you're taking cash, taking 600, taking 600. What is like the average the. the usual amount that you have to pay on. this? >> It's usually 624 that I have to pay. back. >> That doesn't pay off the whole thing, does it? Yeah, that's I'm really. confused about that overdraft. That's. why I'm real confused about that. >> Let's take a look. Well, you did 600. there, 600 there. So, twice in one. month. Nope. Three times. 600. Okay. So, you owe 600. >> Yes. >> But multiple times. >> cuz you just take 600, pay 600, take. 600, pay 600. Fees, you get fees.

>> The 24. Yeah, that's why I was like, they take the 624 anytime I pay it all. back. That's why they. >> I mean your overdraft fee is likely. because of your optional express fee, meaning it pushed you over that $600. that you actually could. So you got. double fee. That's what I'm at least. reading into this cuz it happened to Oh, you had two overdraft. No, you had three. overdraft cuz the overdraft fees on this. or 15 bucks. So you had three that month. alone. Three that month alone. [clears throat]. >> 45 bucks.

>> You've had nine overdraft fees on Dave. this year. Nine. I I didn't know that. I. really didn't know that part. >> No, you don't know anything if we're if. we're being honest. >> But no. Yeah, that one. I didn't even. know. >> overdraft either is you had four last. month, nine this year. >> I don't even know. >> What are you overdrafts? >> 624. It's what you certainly owe on it. >> Yes. >> But then you immediately borrow it again. cuz you need to. now. What are you using Dave and earning. for?

>> Sucking up the check. So then I use that. for. >> Yeah. What are you putting it towards? Just bills. >> Usually, um, my car bill, insurance, rent. >> Okay. Going out to eat was $500. >> Miscellaneous was $2,600. So, go on. Yeah. What are you using. Ernon and Dave for? >> Some affirms. Paying back. Affirm. >> What are you affirming? >> I affirm a lot. It's like Target stuff,

clothes. a purse, concert tickets. >> Oh my good. >> I mean, I'm being told just based on a. story you told them, you've borrowed. money to go and get your nails and toes. done. >> Yes, I've used. >> That's not for rent and bills. That is, oh, I'm on camera now. Let me look a. little bit better cuz I'm getting called. on my sh. you then. Why do you do it? Cuz everyone. does it. So, shut up. Yes, it is. That.

is how this works. I've I believe it or. not, I've done this a couple times. Yes. No, it is not just for bills. It is for. bull. >> Okay. There's There's been some petties. >> Yeah. It was about $3,000 of [ __ ] a. month. You make 4,600. >> I know. I have nothing to say cuz I don't know. I I didn't even know about the overdraft. fees. I don't understand how it's. $17,000 that I'm spending cuz obviously. I don't make that.

Well, okay. So, is this I don't know. what this is. >> A third one. It's a money lion. >> No, this is a third cash advance. >> Yeah, >> money lion. >> Money lion. >> I know that one's bad. That one is just. a. >> This one's bad, GUYS. THIS ONE'S BAD. >> This one's probably the worst out of the. three. >> What do you Oh, >> this one is like. it it comes close to a,000 after all the. fees. >> How is that worse than 2,600 on earning? Because this one is like more fees. More.

fees. Yes. >> Okay. So a,000 is that's what you owe. every month. >> It ranges from like 980 to a,000. >> Okay. So you just have to pay it off and. then you immediately borrow. Now what. are you using this for? Remember the. last time you we got an earning of $100. What did you use that for? So by the. way, she takes an earn in often times. twice a day. Oh my. Cuz this 3500 7500. 100 100 100 100 100. 100 100 100 100 100 100 100 100 100 100.

100 100 100 100 100 100 100 100 100 100. 35 50 30 20 100 100 100 100 100. multiple times a day. What the are you. immediately putting it towards? You can. only get 100 at a time and has to pay. fees on top of it. So with Money Lion, if I don't take it all out in one day, they like lower the amount. >> Oh. >> And I need Why do you qualify to the. Well, what? Okay, you need it. Why do. you think you need it? HOW MUCH DID YOU. HEY, QUESTION. How much do you think you.

paid towards these cash insta deposits. last month? >> Just alone? >> Yeah. How much do you think you paid. towards it alone? >> I'll say like maybe like 4,800. Well, that's insane cuz that's more than you. make. You creature, but it was $3,85981. across all your Insta payments. No, you. have a lot more documents to talk about. and a firm is next. But in terms of the. Instac Yeah. Yeah.

>> Yes. >> borderline, what is that? $3,85981. by 4,600. Yeah. That is 84% of your income. just in Insta Pays and your pay. advancing. That's insane. I know. I I'. I've never seen that. >> It is rare that I have a first time in. the history of the show cuz money is not. that diverse in terms of what you can do.

with it. >> Yeah, >> you've made history. >> No, we're [laughter] 50 minutes in and. you've made history. And you said you. think you're doing okay cuz I pay my. bills. >> Yeah, the bills are paid though. >> No, no, no, no. 80 85% of it or whatever. is just pay advancing. >> I told you in the beginning it's a cycle. that I'm stuck in. It's a vicious cycle. >> You were overdrafting. So that doesn't. qualify to me is the bills are always. paid. >> Yeah, I didn't know about that. >> Cuz you're going to take more than you. even can cuz you have to get the Insta.

just to pay a bill. If we're getting. Insta pays just to pay a bill, we don't. get to brag about the bills are being. paid. Especially if we're overdrafting on. them. >> The bills are paid. Oh, you animal. Shut. the. >> shouldn't really matter how it's getting. paid. >> Actually, it really does. Why should it. not matter? >> Cuz it's getting paid. >> But why shouldn't it matter? >> I would say it matters because it gets. stuck in a cycle. Because you have to. pay fees for it because you're required. to tip or take a maximum amount for them.

to not decrease what you can actually. borrow. I'd say it matters because it is. eating up 85% of your income. So, those. are reasons why I would say it matters. Now, can you give me one reason why it. doesn't matter? >> Yeah. You're incapable of giving reasons. for anything. >> I was just going to say because the. bills are paid. They're not late. The. big bills. Rent, car. >> Oh, the big bills. So, just not the. bills. Just specifically the big bills. >> The big bills. >> Okay. I'm glad we're extra. We're. pushing the goalpost on that one.

>> Right. Okay. Affirm Arizona. [clears throat] MVD fee. >> I used affirm for my tags. So, your. tags, you're affirming your tags. Yes. $247. And I know you need to get your. tags. That's fine. That's a little. different. Target probably some. [ __ ] Sephora definitely [ __ ]. Oh, there's so much of firm. This is. ridiculous. >> The rest is probably bull. a lot of like. I think there's like abberroy.

>> coach ticket master poshmart skims. booking.com airbnb dicks tires Ulta. listen and the tires okay maybe but Ulta. there's another there there's more oh. and then we get your your tags and your. Target and Sephora it's almost all. [ __ ] and you owe 2 you owe on a firm. $1,987.99. uh a lot of these are paying five, six, and are even all just paying fours.

Meaning you got interest, that's for. sure. No way you don't. Now, I know they come out at different. times, but of the 1987, I'm going to. assume if we most are paying six, but. there's some paying fives and fours and. threes and twos, so with remaining for. what it's worth. But I'm sure the moment. one of the two months payment is done, you go and use it on something else cuz. I know you immediately repeat. You. understand? If I then take this and I. divided it by let's say fours on. average,

you owe approximately $496.99. with that alone. I mean mix your. earnings, your Davids, your money lines, and then your firms, you do not have. money left. Like this this is not making sense. I. don't even know how you've saved $400, honestly. Well, cuz you've gone further. into debt. You I mean, you put your. wants on a firm, which makes you feel. like you have more for your needs, so.

you can put money aside. But really, the. money that you put aside that would have. gone towards fun is just putting on a. firm. And if you're just borrowing from the. bank and you're just borrowing from Dave. and all this [ __ ] and I have to ask, do you borrow from boyfriend, mom? Do. you borrow from any of them? >> I do. >> People know. Okay. Yes. >> And see that's disgusting. You're going. and getting these tickets in Airbnbs. booking.com you skims you. That makes no.

sense. If you're borrowing from your. boyfriend and you're borrowing from your. mother, HOW MUCH? HOW OFTEN? >> My mom rarely. She'll. >> rarely do to you. >> Like 150 maybe every two months. But. what we'll do is she'll just let me keep. it to put it towards other bills like. the electric bill. >> Good. She's an enabler. >> Good. She's an enabler. And the. boyfriend who. >> the boyfriend, >> why the would he want to get on a. mortgage with you knowing your behavior?

I have no idea. But go on. >> He knows I'm trying to take the steps to. like. >> But you're not. You're literally not. No, you're not. You're saying you're. trying, but you don't put in the action. You are not trying. I never want to hear. you use that word again. You're thinking. about trying, but you haven't tried. Shut the up. So, go on. How much do you. borrow from him? How often? >> Him? Probably same. like 150 every two. months, but I pay it back. >> So on average, you borrow $150 from. someone a month. >> And I guess you borrowed it from some.

tires, but then you didn't actually use. it to pay for a tire. >> Yeah. So on the way out, >> what did you use it for? >> Probably just bought more bull. Probably. went out to eat. >> You're disgusting. You're disgusting. He. gave you the money for the tires, I'm. being told. >> Yes. >> You lied to your boyfriend. to this person we're trying to spend the. rest of our life with the money that he. gave you for something specific and you. go and blow it on Sephora bull dumb. >> Yes.

>> You're a bad person. >> I told him about it. >> Well, later you confessed. >> Yeah. >> That doesn't what? >> Yeah. In that moment though. Yeah. It. >> What? If you go random dude and you. confess it, that means it's okay. No. >> Going behind someone's back is still bad. regardless. Just because you confess it doesn't. expune you. >> I know, but I did tell her, >> you know, then why did you use that as a. justification or a way to get out of. this push back, you know? No, you don't.

You don't know anything. >> In that moment, it didn't feel bad. Like, I didn't I didn't think it was. bad. >> Okay. So, maybe you're a psychopath. >> Possibly. >> Definitely psychopathic tendencies. Average customer on a firm owes $736. You owe more than double the average. person. >> Yeah, that's bad. It's really bad. The firm is crazy. >> Yeah, you almost owe three times.

>> The thing about a firm is just so easy. to use. >> No, that's the point. You actual. creature. What the do you think the. point is? Oh, there's so much more. We. got SP imgart more skins. Okay. Uh, Travis Scott. Travis Scott. >> Yeah. >> Ulta. More Ulta. Target. More Sephora. This is so moronic. Oh, good. And Clar's. next.

>> CLA is not that bad. >> Well, how much do you owe? >> I believe it's like 400 500. >> That is bad though. That is money that. you owe. 400 500. You don't know. Okay, I'll say five cuz I know it's certainly. different than this. Listen, interest is. acrewing like crazy. likeing oh like. borderline. it's insane because this is like 36 37%. That is bad. >> It's not as bad compared to the other. stuff. >> Doesn't matter. It's stacking on top of. it. Just because something else exists.

that is bad doesn't make this good. Are. you stupid? $125 minimum payment likely. on these if not more. Getting Coach. Sephora Dolls Kill and Forever 21. The dolls kill. >> It's a clothing website. Clothes. >> Okay. You do love clothes, but yet you. look like So, I'm so confused. This. makes no sense. >> T-shirt. Understand how that's so rough. Can't. wear a t-shirt. [laughter]. >> You can. I would just expect someone.

that spends so much on clothing to look. decent. >> Well, it wasn't going to come in like a. ball gown. >> There's nothing in between that. That's. interesting. Okay. Wow. We finally got. to our first credit card. You are such a. disaster. It took us this long to get. you a credit card cuz you had worse. stuff before it. Yeah, that's bad. And I. hope the boyfriend sees this. Is he. going to see this? >> Yes. >> Good. Boyfriend, don't even consider. getting on a loan with this woman. Not. even close. >> She needs to change her behavior for.

one, pay off all her debt so that her. credit score doesn't carry down hold. down what kind of loan you can guys can. get. Two, marry her first. Three, live. with her first. Four, then she needs to put in behavior. after she pays off the debt for at least. 6 months, proving that she's at least. managing her money correctly and able to. budget. Do not even consider this for. multiple years. >> Jeez, >> buddy. There's no way you're going to be. able to get to your $5,000 anyway. Like, what are you talking about?

>> Bank of America. OH, GOOD. WE'RE OVER THE LIMIT. OH, GOOD. WONDERFUL. GETTING A HOUSE. Shut the up. How long do you think this takes to pay? Just doing minimum fee payments only. without making any purchases, which by. the way, oh, you purchased because. you're incapable of not purchasing. But. how long do you think that would take? >> Like 20 years. >> Okay. 16. >> Okay. >> But on your pattern, probably about 30. 40 on the way you spend on it cuz you.

paid 126 and then a monthly payment at. that time. Wonderful. Then you purchased. $100.22. Well, $90 of interest across so the. balance went up and you already started. bel already above the limit and then you. went even higher. You're such an actual. dumb piece of. with your money with your money with. your money with your money and getting. into this relationship in a really weird. way. $129 minimum monthly payment with a.

balance owed on here $4,723. This year alone, you've paid $526 in. interest on this. Add everything up. together in the fees. I'm not I wouldn't. be surprised if you haven't paid like. $2,000 in total so far on everything. we've talked about in fees and [ __ ]. drafts. You're going in and getting some BS. Getting some BS and doing an Uber trip. >> Yes. >> At 26.24% interest rate. What's up with. this card in in your mind, in your. world? Because again, you started above.

the limit, then you went even further. above the limit. That card was only. opened up because I had did a balance. transfer from a Discover card. and then of course just [ __ ]. spending on top of it. So that's how. that credit card the thought was I was. going to pay it off cuz they gave me 18. months zero interest. So I did the. balance transfer. and then I never paid it off. >> Tails all the time. Why do we keep doing.

it? Why do we keep doing it? How many. times have you balance transferred or. consolidated or taken out a personal. loan to pay off something? >> Just that one time. >> Just one time. Good. Never do it again. You're incapable of managing it in any. way whatsoever. Incapable of managing it. in any way whatsoever. You do not get to. take advantage of good tools that can. you if you cannot manage it and you have. proven in every way possible that you. cannot manage it. Another Bank of America. Uh.

[clears throat]. you're you're even over on this one by. 63 cents, but you're still over. And. this one's actually this one's actually. crazy, dude. >> This one's crazy. This one is at $7,000. $70063. 24 years to pay this one off. Be in your. 50s. You'll be in your 50s by the time this. is paid off if you don't purchase. And. oh, we purchased. >> Yeah. What's going on with this card? >> Let me just keep it straight up. I don't.

know. I was just buying that was one of. my first like credit cards that you. could spend anywhere and I was just. buying stuff. Just buying honestly. I. believe I bought a laptop on that one. >> when. >> that was like back in 2020. So, I've. just as much. >> So, I've just been carrying it. >> How long has it been maxed out? How long. have these last two cards been maxed. out? >> I would say a year. But that doesn't. make any sense cuz you moved in for. cheaper rent with your mom. Why is it. getting even worse?

2021 you lived on your own. 2022 you. moved back in. Why the is it getting. worse in 2024 to 2025? It doesn't make. any sense. It goes against everything. you suggested before. >> A a potential answer would be nice. >> I'm looking for it. I'm looking for it. >> You're looking for it. >> I would say just more money, more. problems, >> just worse habits. >> Okay. Okay. So, you're suggesting you've. lifestyle inflated yourself. You. haven't. With a living situation, though, you split it with your mom. So, you've [ __ ] inflated yourself.

>> I just bought a lot of dumb. >> Okay. We've already heard that. Oh my. gosh. Okay. >> Well, yeah. I bought furniture for our. apartment back in 2021. >> Okay. And you're holding that on this. credit card. >> And then I think on top of that, the. laptop that was like 800 bucks. They. >> sell the furniture. >> or does your mom use it? We We only used. the table. Like the kitchen table. >> Where's the rest of the furniture? >> Threw it out. >> Better not. You threw it out. How much. did you spend on furniture?

>> That was like 2,000. >> When did you try to recoup anything? Maybe even just $500. An extra $500 to. go to a card would have been good. >> at that point. I think one of the like. the backs were like broken. So, I just. >> Did you have roommates or did you move. out on your own and have to get all of. it yourself? >> Yes, I lived with my cousin. So you kind. ofed over your cousin too probably if. you couldn't afford your right. >> No, we were really good. The whole point. that I knew I was going to when the rent. went up that's why we moved back with my.

mom cuz I knew I wasn't going to be able. to afford it and I wasn't going to. effort like that. But no, I put. everything on my credit card. There's. probably more bills, Costco runs, food. They ended up raising my. um not balance. >> Your limit. >> My limit. Yes. They increased my limit. and that's when I started buying more. dumb. >> Gosh. >> Yeah. >> You just you're not a credit card. person. You can't be trusted with credit.

cards. You cannot have a credit card. >> I'll gift you the Fizz card. It's a. debit card that builds credit. We'll get. you with that. We'll also get you a. course career certification. Help you. get into uh maybe some raises or a. potential better job or a second job. So, we'll get you set up with those. Okay, but you are not a credit card. person. You cannot be trusted to manage. credit card debt. You can you you do the. transfer, it gets they raise the limit. You just spend to the cap. It allows you. to just spend more money. You see a. limit on a credit card or you say I can. go spend all of that.

>> Yes. I'm like, I'm going to spend that. money. It's like. it's just tempting. >> No, but everything's tempting. >> Yeah. >> Everything's tempting. Doesn't mean we. go do it. That doesn't make any sense. There's so much tempting out there that. we don't do, >> but it's there to use, so I use it. >> What is pushing you over the edge to all. these spendings? How are you shopping. for things? What are you doing? I need. to know a little more in your life how. this looks. How does your shopping look? >> So, before I had deleted my Instagram,

so I would be on Instagram and it's just. like easy to look at things and I'm. like, "Oh, well, I have a I have this. much left on a credit card. I can use. the credit card.". >> Well, it's just people posting the. things they're wearing and stuff and. you're like, "Let me get that." Well, like kind of not like influencers, more. like I follow the the brands, so they'll. release like a new shirt or something. and I'm like, "Oh, well, I can affirm. this. I can use my credit card.". >> But you deleted Instagram. >> Yeah, I had to. >> Why' you delete Instagram? >> Cuz it was getting expensive. >> Nope. It's because you were stalking. your boyfriend.

>> Had to. I did it. >> See how I led that? >> That could be toxic. So, >> why the are you incapable of answering. questions truthfully? Like, you are not. a reliable narrator. If I did not have. the answer to the question that I knew. you were going to answer incorrectly. because of your pre-in questions, I. wouldn't know what to ask you. I. wouldn't know what to believe. I would. just believe you and you'd walk away. with nothing beneficial cuz you're a. liar. You're a scumbag. >> I'm not. >> You can't answer questions. And when you. do, they're lies.

>> It's still the truth. I use it to. >> You were stalking your boyfriend and. what he was liking and messaging and. whatnot and who he was following. >> It was mainly the following. Tell me. more about that. >> This person that you're going to be. moving in with and getting on a mortgage. with. So, yes, it is important. Tell me. more about it. >> No, I would just see like there's a new. following and I'm like, oh no, it's. usually a girl. >> And I would just get mad, but it was. just something to be Yeah, exactly. I. didn't like that. So, that's why I was. like, let me get off Instagram.

>> I don't know. >> Why is it bad? >> In my opinion, I wouldn't do that. I. want to go follow some dude and then. >> what if is it's a random dude not an. influencer has nothing going on not an. interesting post in a hobby that he's. interested in. >> No, that's why that's why I was like. these are just like mutuals. Why? Like. why? >> So they're mutuals. >> They're like mutual. That makes sense to. follow. >> Not like friends though. just saying. people in your life it makes. >> Arizona that you were just following.

them and I was just it was just. irritating because I would I guess I. wouldn't do that. >> What what was his relationship with them. if anything? What does he know about. them? Are they interested in similar. things? Is are they in a community. together? Do are they co-workers? Do. they know each other from school before? You know what is it school? >> Yeah. >> Okay. Then what's wrong with that? Cuz. this isn't just a rando that is trying. to get in the DMs then cuz they do have. that connection. What is wrong with. that? Are you saying I can't because I. have a girlfriend. I can't follow uh. Lindsay's Instagram. >> No. Well, see, like you guys work.

together. That's. >> okay. I can't follow someone I can't. follow someone I went to high school or. college with. >> I just don't see why. >> Why? Cuz it's fun to see what people do. in their life. It's fun to see where. people go, what people accomplish, and. what people are failures. >> See, that's why I'm off Instagram. Cuz I. just couldn't I can't. >> No, because you're a freaky creeper. >> Creeper? >> Yes. You were stalking every follow he. was doing. What do you think you would? He shouldn't be with you. You. >> It made me toxic, so that's why I. stopped. >> Well, you're a toxic. You're a liar. You. creep everything he does. You want to.

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them to life. Let's get back to the. video. She wants to get him into a. mortgage because he can't easily walk. away from a relationship if anything is. wrong because she said if the lease ends. it is an easy out. >> Yes. >> You are trying to trap this man and you. lie to him endlessly and they're telling. me that you lie to him about money. >> I do. Well, the main thing was like. >> we had that purchase that you hid behind. his back that he gave you money. You're. controlling. You're a liar, a. manipulator, a gaslighter, a stalker. You're a bad person and you're probably.

a psychopath. >> I can be psycho. >> No, a psychopath from a political. clinical way, not caring about the emo. emotions of other people. >> I don't think you're licensed to say. that though. >> I'm not, but I'm at least I'm on my show. where I can give my own damn opinion. And I wouldn't be surprised. Don't need. to be licensed to call you a piece of. and you certainly are. And you're trying. to trap this man. >> If that's what it looks like, then I. guess I'm trying to. >> No, that's what you've set up with your. own language. You specifically said it.

would be an easy out when a lease ends. >> It is an easy out. >> So, you want to get into a mortgage with. him. >> to trap him. >> Like I said, we both have a goal to buy. a house. Why not buy it together? >> But if you're going to No, no, no, no, no. Cuz I'm not bringing up that plan. I'm bringing up the easy out. If you. have no intention to leave him, then you. having an easy out wouldn't matter. So, clearly the only easy out you're worried. about is his easy out. >> Yeah. >> So, you're trying to trap him into a. mortgage. It's just the way you're wording it.

>> No, this is based on what she said. Is. this not based on I'm getting some nods. >> Yes, >> this is based on what you said. >> You're bad in relationships, aren't you? You get a little too intense. >> I can be intense. Yeah, I'm a little a little more clingy. A. >> Yes, you're clingy. But honestly, you're. you take it to the next level. You're a. bit stalkerish. You clearly shown it. online. >> Oh, come on. Stalkers go a little. >> If you had fine my of him, you would be. obsessively checking it. [clears throat]. >> I know for a fact. Come on. What are we.

doing here? You're not even willing to. wait till marriage to protect yourself. because you're so afraid of him leaving. You have a fear of him leaving. You have. a fear of him leaving. Be honest. There. you go. There we go. It is adding up. Come on. You cannot deny this. >> But at the end of the day, it's not. about that. It's not wanting to lock. >> I don't have a fear of my girlfriend. I. don't have a fear going. No. I don't. have a fear of my girlfriend. No. No. No. You're making it harder for him to. leave though because that's what you. specifically said. You told me earlier. in this conversation within the third. first 30 minutes, it is harder to leave.

a relationship if we're on a mortgage. together. So, shut the up. You cannot. backtrack that now. I'm not afraid of my. girlfriend leaving because I feel secure. in my relationship because we love each. other. I don't need that endless. affirmation. And I don't need to stalk. who she's following. And I don't need to. see her on Find My. We don't even have. each other on find my and I I don't need. to force her onto a loan with me because. I'm secure in my relationship. You're an. insecure. weirdo. Yes.

>> Insecure. Yes. Weirdo. I don't know. >> Oh, come on. Your behavior is. ridiculous. So on here, you went in and gots some. [ __ ] $1,000 of interest occur on. this card alone this year. 166 in. interest this last month. 25.24%. interest. That brings us to maybe like. $4,000 in total that you have lost this. year. You have lost nearly a month's. worth of income and interest alone so. far and we haven't even gotten through. all your debt. Discover what's going on with this card. >> I did the balance transfer and then I.

bought more stuff. >> It's literally just like buying it and. then just keeping it and then just pay. >> Okay, so this is the one that you. balance transferred from. So here it is, ladies and gentlemen. Textbook example. as always. If you do not change your. behavior before a consolidation, before. paying off with a, you know, a personal. loan, or before a balance transfer, you. yourself cuz she built IT RIGHT BACK UP. WITH probably [ __ ] We're being. honest. I mean, that's what you've. self-confessed this entire conversation. So,

>> it's definitely [ __ ]. >> Yeah, this is bull bull bull. [ __ ]. 10 years to pay this off. Now you have. double the debt. And that's what happens. when you consolidate or balance. transfer. You just yourself and that is. all you've done. Interest just that month $53. Well, okay. Your balance, which I didn't get, is $2,433.54. Minimum monthly payment $74. Total interest this year 314.

So at that. now we're at like $4,300. just losing everything just for the sake. of spending on bull. then you're double spending. Macy's. You have a Macy's card in 2025, >> dude. Yeah, that was my first credit. card ever. >> Macy's. >> Yes. >> Okay. >> I like to get like Christmas gifts with.

Macy's. >> Macy's. >> Yeah, they have good stuff. They have. like fragrances. They have jewelry. >> Macy's. >> Macy's. Yes, Macy's. >> We're 90s mall shopping. While we're spending on it, no one's. shocked. Uh-oh. She's at $2,57.90. with a minimum monthly payment of $896. I hope you're able to reflect on your. behavior in relationship and the way. that you are manipulating this man,

gaslighting this man, lying to this man, and trying to trap this man. I don't. think you fully see it. I hope you watch. this back. Whether or not he sees it and. calls you out, and I hope he does, and I. hope he potentially runs or gets you. corrected, but hopefully corrected. before run, but even still, I hope. you're able to reflect on this because. you're a bad person to be with. >> Well, yeah. I wouldn't want That's. >> to be with yourself. Yeah. That's also. why I don't want us to get married yet, cuz I see all this. >> to get on a mortgage.

>> Well, yeah, dude. >> Why do you think that's so. insignificant? You think you're able to just walk away. from that? You're locking yourself in. for 30 years, dude. >> I know, but. >> without an equity position, plus a minimum payment that neither of. you could possibly afford on your own. with your debt situations. So, Macy's, why are you still spending. on it? 13 years to pay off minimum. monthly payments only without doing any. purchases. And we know she's incapable. of that. Especially when it comes to. Christmas.

>> Yeah, it's usually at Christmas. But. what I did spend, I want to say I got. like Clinique or something. Some face. wash. >> Ke is that. >> face wash? >> But it's We don't even know if it's. working. You're so caked up. [laughter]. Kylie Cosmetics. Clinique treatment. And. Kylie Cosmetics lips. >> Yes. Lipstick. >> It's not even an upper lip to put it on, >> bro. $369. in interest this year so far. >> You kind of got the Tom Holland, though. >> Damn, bro. You're just coming for my. lips. >> Yeah,

>> you're so rough. >> Yeah, >> you're still a boo boo. Little gremlin. Grimmel. >> I accept it. >> Grimmel. >> So, now we're talking. 4,000 just about 4,650. an interest alone this year. That is a. full month of your income. gone. in interest this year. Boyfriend, you seeing this? 33.49%. interest. [ __ ] sake.

>> Gosh, that's high. [ __ ]. >> sake. Oh my gosh. We continue. Okay, we. continue. What is this? Victoria's. [snorts] Secret. Okay, what's going on with this card, lady? Oh, you're maxed out just like. every other card. What's going on? >> That one's not maxed out. >> It's maxed out. Oh, you're right. It's. $20 away. Shut the up. It's maxed out. >> Anyways, that same kind of vibe, but. they started off. I bought like a few. Victoria Secret things, but then you can.

use that card anywhere. So then I use. protection anywhere. >> The fee is not required. You signed up. for it. You can call to cancel at any. time. This fee [clears throat] is not a. requirement. It is a program that you. are on. And you have lost $56.85 this. year. So far, it is going to be $100 a. single year that is gone and taken from. you that could go towards debt, including this debt, which would help. pay it off in, you know, 10 months. >> Not the account. Sure. BS. >> Well, not 10 months. I'm talking about. what you lose in a year. But, um, but it.

would speed up the process dramatically. Why do you have it? What's the point? >> Screwed it on. >> No, they asked you if you wanted to sign. up and you said yes. Come on. >> Yeah. Well, interest. 166. Now we're at like 3,000 or $4,800. for the year. 28.85 this last month and. $56.85. of fees this year. Minimum payment $40. And yes, maxed out. She would have spent.

on it, but there's really not much to. spend on there. So, good luck. 35.99%. interest. What are we doing? You just. have some of the worst interest rate. ever. You're just you're you you came on. here to break records and man, we're. getting it in terms of how many. documents we have. Look at this. Look at. this. Why did you borrow $400 at 7.5%. What is this even for? >> That I used for rent cuz I was going to. be short on rent. >> This is a a balance assist loan.

agreement from Bank of America just to. pay rent. What rent? Rent with your mom. Yes, >> that rent. so that you can go out and. spend on Victoria's Secret and makeup. and dumby, which I guarantee you, by the. way, we calculated your miscellaneous. spending. Remember, we have more to go. through. You just spent like 2,500, right? Is that what it was? Miscellaneous bull 2,600. Going out to. eat, 500. And yet you had to borrow 400. No, you spent $500 going OUT TO EAT. $500 GOING OUT TO EAT. YOU'RE SPENDING.

$400 to pay rent. you. That is ridiculous. You are essentially. paying 7.5% interest just to go to. McDonald's or wherever you go out to. eat. That is what you are doing when you. should be in there putting the fries in. the bag to make more money. When was this? >> That was. I want to say May or June. Beginning of. May. >> It just happened. What happened that. month? >> I don't know. I really don't know. I was.

just I wasn't going to have the rent. money. >> Well, you probably owe I'm going to say. about 200 bucks left. You got payments. of like 135. >> Yeah, they split it up in three. payments. So, I I owe 135. >> Yeah, but then you just all of a sudden. now you have to pay the 135 this month. and we don't have enough for rent. So, now we have to take out another loan. just to do it. And you just go go go. [sighs and gasps]. >> Told you. >> Oh my goodness. She lied. Guys, she's a. liar. She's an actual bad person that is.

impossible to take serious. for that. I. already know what's going on. >> Well, what what. >> on the tattoo? >> The first time you took this out was for. a hand tattoo. Show me. >> Okay. It's pointless. >> Yeah. >> The first time you took this out. When. was that then? If you're. >> 2022. >> Okay. >> Yeah, that was the very first time I. ever. >> But are you taking this out monthly. then? >> No. No. So, they don't allow you to take. it. >> You can take it out three times a year. And you do? >> I do. >> You've taken it out two times this year. already, and the year is only halfway. over.

What was the first time this year for? >> I think that was for a trip like just to. have extra cash on. >> animal. You have no respect for the. dollar. You don't understand what debt. is. You do not understand what interest. is, what minimumly payments are. With this debt, there's no way you can. afford a car above above $10,000. What is this car? What is the car? You.

have a 2021 Honda Accord. >> That. >> How's the condition and miles? >> Um, the miles are at like 4,200. >> Okay. Not the worst condition. >> Pretty good. >> Okay. $12,229.38. Minimum monthly payment $514.82. Still 25 payments. Wait, they caught you in another lie. What's the other lie? I I am not. understanding. Wait, how many miles did.

you say was on it? >> Like 42 43. It's under 50 for sure. >> I think you may have just misspoke when. you said 4200. Yeah, it's 42,000. Yes. >> Sorry. Yeah, 42,000. Sorry. It's under. 50,000. >> I'll give you credit for that one. I. think that was just a misspeak. >> That was Yeah. >> Okay. What do you think the car is. worth? >> I want to say when I saw it, >> this isn't even private sale tradein is. about 19,773. So, you actually have an. equity position in this car. And in. fact, what I would do is actually uh. yeah, trade it in. >> I wouldn't because of the interest.

>> Okay, she's not willing. >> the interest rate. No, that I feel like. is a good want and a good need. >> No, cuz here's the thing. You actual uh. hear me out. Hear me out. The thing is, >> all right, gummy bear. >> You know what's a better interest rate. than whatever interest rate this is? >> Zero. And if you trade this in, we save. up a couple thousand instead of getting. a house, which is the most dumb thing. You can get a $10,000 car in cash and it. would be a good car. That's what my Jeep. Cherokee was worth. I just gave it to my. brother, but that's what it was. approximately worth. Great car. 2019.

Jeep Cherokee. Fantastic. Safe, good, reliable. You know, battery issues here. and there, but that's fine. That's like. a couple hundred fix every few years. >> No. >> Yes. Because that takes that's a because. that's a 0% interest rate. But even more. important is that brings you this $514. minimum payment, which by the way you. cannot afford and all this already done. Your budget's already broken. That takes. that 514 that you can funnel towards the. debt and pay off quicker. You can get a.

Honda Accord in a few years when you're. in a better position. You do not get the. luxury of having whatever you want right. now. You have to do this. It is not an. option. This is just financial sanity. >> I know. And if you're not willing to if. you're not willing to, this conversation. is done cuz you're not going to do. anything cuz this is the easiest thing. you could do. This is free money. >> It's just the way I view it is like the. the interest rate is good. >> But you're going to be at zero. >> But like how many how many like the car. breaks down like what is that going to. be like? [laughter].

The same thing with this car. >> It just sounds scarier if I'm being. honest. It sounds scarier cuz I don't. have like a rainy day fund if something. goes wrong with that. >> What if something goes wrong with this. car? >> It's under like warranty. Okay. So, listen. Even on a used car, you can. purchase a warranty. I don't necessarily. suggest so. >> That's my. >> But if that's your big fear, there you. go. I have a solution for you. Save up. an extra couple thousand and it gets you. there. But listen, even at a low. interest rate, we can use that when it. comes to finessing versus paying it off. early versus investing in the market.

That's the end of the conversation. Right now, we're trying to get the. minimum payment off your plate so you. can funnel this towards other debt so. you can KNOCK DOWN YOUR DEBT. IF YOU WANT TO GET TO A HOUSE, this is. one of the things that you can use to. accelerate that progress. Okay, so next. $1,255. in this checking account. It's. definitely not the worst. I'm okay with. that being the balance is a decent. safety balance. So much money went out. though. So much money went out. Oh my gosh. Okay. Yeah, it get all.

[ __ ] all the money is just earning. earning Dave Dave Dave. Earn and earn. Oh, money line money line money line. money line for days. This is insane. This is insane. Those are just the. incomings. Then out 3minut express, Instacash Payment, Pure Heart Church, Society6.com, Chipotle, Total Wine and More, Amazon, CLA, Chick-fil-A, Door Dash. She's Door. Dashing right after making her CL. You're basically claring Door Dash is. what you're honestly doing. Dave.

membership [clears throat]. Apple reoccurring Uber Amazon. Affirm. Affirm. Affirm. Affirm. Affirm. Affirm. Affirm. Affirm. Debt. Arizona. Debt of. revenue. >> Uh yeah. Paying back taxes. >> Oh, she owes taxes. [screaming]. What the [ __ ]. Gremlin Pizzeria. Arizona department blah blah. Whatever. This is all bull. Just look at it's. guys. Just look.

>> Oh my god. >> Just look. Top down camera. Take a look. at this. This is all [ __ ] man. So, what a pointless life you're living. You're not accomplishing anything. You're not getting anywhere and trying. You're trying to tell me you're trying. to fix it. No, you're not. Shut the up. You don't know what trying to fix it. even means. You've never tried in your. life. Netflix, Starbucks, In-N-Out, Starbucks, getting some BS. BS BS. Clara. Forever 21, Starbucks, Disney Plus, Clar. Doll Kills, Sonic, Apple, Chipotle. BS.

What are you stopping and getting to the. gas station every day? [clears throat] M. usually it's like a Red Bull, a water. bulk, you actual dumb. tit bull. BS Dave BS. Cla Airbnb BS. Apple bills church. Buffalo Exchange. Insta Cash Repayment. Texas Roadhouse. Goodwill. Clara Coach. You're caring coach. >> Yes. >> Oh, animal. In-N-Out. Clara Kohl's.

Chick-fil-A. BS. Chick-fil-A, BS, Waterburger, Wingstop, In-N-Out, BS, Subway, FourthWall.com. Isn't that just supporting like creators. and stuff? >> Yeah, >> you can't even support yourself. Shut. the [ __ ] You can't. You are an animal. Apple, Amazon, Amazon, Amazon. Affirm, affirm, affirm, affirm, affirm, affirm, affirm. What are you? you are. And then Planet. Fitness, AT&T earning, earning earning,

earning, earning, earning, earning. caraf.com. Zel zel earning, earning, earning, earning, earning, earning, earning. This is a mess of a life. 34 cents in. savings. Stellar. You're incredible. Maintenance fees just to have that. savings. That's great. Uh, life insurance. >> Yes. >> On who? >> On myself. Guaranteed to who? >> Like who's the beneficiary? >> Yeah, >> my mom and my brother.

>> Okay, I guess. But you're paying into. it. >> Yeah. >> What's the point? This doesn't make. sense. That doesn't make sense for you. in your life. >> I know. >> What's your monthly. >> on that one's 50 bucks. >> on that one? Are there multiple? >> No. No. Yeah, that was 50 bucks. >> Cal value is $891. >> Open your phone. The the the fact is uh it's not that I. don't want to make a budget. I would.

make you a budget. I would, but I just. added up your minimum payments and it's. your entire income. So that's not taken. in account rent, food, blah blah blah. blah blah. So it doesn't matter. The. reality is, I mean, yeah, sign up for. the budgeting app, go through the. educational programs, especially the. budgeting program first and then the. debt program. Go through all those. you. need to go make more income. or go through bankruptcy, but change. your behavior first before you do or. else you'll end up right back here just. like the credit card transfer, balance. transfer. Um, so there's those few.

options, but at minimum you need to get. a second job, get rid of the car, and. that car payment gives you a little bit. of bit of wiggle room, but not after. rent. Then all of a sudden, you're down. 500 there alone before we even talk. about groceries. So, right now, you need. to go bring an extra $1,000, $2,000 a. month, or you need to let all this go to. default. Your credit, you're not even. considering getting a house. you're not. considering getting a house regardless. Good luck. Or change your behavior, go. through bankruptcy. You're just so far. in the hole that you got to you're going. to go have to 60 70 80 hours a week to. work just to even have this a chance cuz.

your debt minimum payments alone with. the cycle you've gotten yourself in is. your income. That's before rent, food, anything else. So that's what I would recommend. and. you're going to have to take some. extreme measures and it's working your. off beyond what you think you're worth. or whatever that you're above or. beneath. It is trying to ask your mom if your. rent can be a little lower for a bit. That's not even what makes a difference. here. Change your behavior going through. bankruptcy,

but house isn't even in the. consideration for minimum 10 years. Sorry. Hammer financial score. Join us in the. post. I'm going to call the boyfriend. I have a lot to tell him. [clears throat] Let me tell you. Join. that hammer elite below. Let's get this. hammer financial score. Okay guys, spending a budget over spend 0 to 10. Debt, no collections, but as bad as you. can get without actually she owes tax. [music] money, which is how much? >> Uh, it's like 130. [laughter]. >> 0 out of 10. Emergency fund, nothing in.

savings, 0 out of 10. Retirement, the. life insurance, and you're at least you. tried to do something. I'll give you a 1. out of 10 there. Real estate, 0. Hammer. financial score. Round it up to 0.5 out. of 10. This conversation is going to put. you already know it. So, make sure you. join Hammer Elite in the comments below. and download the Dollar Wise budgeting. app and take your free trial today. I'll. see you in the post show. Listen, I got. to tell you, your relationship with this. lady is deeply concerning to me. She. confessed to me that she would rather. get on a mortgage with you because she's. afraid of you leaving and it would be.

harder for you to leave. She is. literally trying to debt trap you. exclusive members content.