Goth Freak Is A Wannabe E-Girl | Financial Audit

I used to be a little Tik Toker, but now. I'm trying to move to YouTube. Pulled out of a 401k to do this? I did buy a new desk. And he's okay with this? A potential. fiance? She's okay with a financial. disaster on the other side? Well, probably cuz he wants me to have. his babies. But he's going to destroy himself. Well, look at me. Download my new simpler budget app today. and take control of your money once and. for all. Hello, my name is Monica. I am 23 years.

old. I am from Hartford, Connecticut and. this is a goth on financial audit. A goth on financial audit. Yeah. Okay. Well, what does a goth on. financial audit do for a living up in. Hartford, Connecticut? So, I was originally doing tattooing. Um. but now I just work full-time security. Okay, I don't see any tattoos. Most. tattoo people we have on here are like. heavily tattooed.

Believe it or not, I do security. What kind of security? Not physical. security. No, just uh like asset protection and. like theme park security. Just stopping people from bringing in. like a weapon? Um so. not stopping How tall are you? I'm like 5'2. I have. Okay, you're not stopping anyone. I trust me, I get stuff I definitely get. stuff done. 100%. Okay. Uh how much do you make doing. security? What are the hours for that? So, technically I've been employed with. two different places.

Um one of them is an amusement park and. then right now it's just Target. Um. since the amusement park is currently. closed, I'm exclusively working at. Target. Well, yes. It's. Again, who are you stopping? Okay. How much So, how much do you make. in this Target? Um so, starting is 19 an hour and I get. 40 hours, but they always make sure it's. a little under, so like 39.9999. Aren't Connecticut's not cheap. Yeah. 19 bucks an hour?

Uh. I. I was uh working another job with. another company. It was 24 an hour at a. bank, but I really hated working there, so I quit. When did you transition to this? You. said you you mentioned tattooing. So, what? Did you just stop tattooing? Um so, I just stopped. I just It was. tattooing? The industry is kind of messy. Like, it's I don't like. What? We have a lot of tattoo artists. on. What? Were you making more? Um I think you can make quite a lot on.

Why why why move careers? Um so, when you're a tattoo artist, you. have to do an apprenticeship. An. apprenticeship is awful. Like, it's like. the worst experience you can probably. participate in it. Well, what? Isn't that kind of like a. student intern after teaching or going. through What's wrong with the. apprenticeship? So, kind of like an internship or. anything. to? It is required. It is legally. required or. required, but it's what You have to. Industry standard. Yes. Okay. So, how long is that? So, depending on the state, it could uh.

be 2,000 hours or more. Um so, every state is different. So, a. tattoo artist that is already licensed. has to sign off on those hours. 50 weeks? That doesn't make any sense. If it's 40 hours a week, 2,000 hours, 50. weeks? Yeah, it's like more like. like a year actually. basically. Okay. So, a year of your life for a higher income. So, we've had people that make some bank. on the show doing tattooing. Why did we give that up to make 19 bucks.

an hour in a very expensive state? So, um basically, when you go from one. shop to another, those hours do not. transfer over. So, if you're having a. bad experience at one place, if you go. somewhere else, it does not carry over. a bad experience though? Just hard work? Like, that's what a lot of people deal. with on the show. It's just. No. Uh a lot of people in the tattoo. artist, tattoo industry start off. tattooing in jail, so there's a lot of. like shady characters. in the tattoo industry. It's not all. rainbows. trying to get you to sell meth?

I don't. Well, so there was. basically a when I first started, um I. was working at a tattoo shop that was in. a mall. Uh-huh. And the owner was kind of I would I. definitely would say he's a predator in. my opinion. Oh my goodness. 100%. So what. I was thinking isn't violence but. too, but um every shop is different. what do you mean? So he would want to exclusively kind of. do apprenticeships for girls and then. kind of hit you with um you want these.

hours, you have to do something for me. Oh, wow. of those. Yes. Yes. Yes. Yes. Um so. The diddle diddle? Yeah, and then. And he he propositioned that to you? He didn't get that far only because I I. left. Um. That's crazy. Sorry, go on. No, no, sorry. So he would just say a. lot of like explicit like things to me. like he'd be like, "Oh, you've never uh. you've never seen it before. Do you want. to come in the bathroom with me and see. mine?". Come on, applause.

Yeah. Well, sue his ass. Somebody said I should go to the news. about it, but I'd. The news get money. It. Cuz it's not the news. It's not going to. do anything to him. I guess that stuff is hard to prove. though cuz it's like he said, she said. Yeah, but you're saying if you said. predator, that essentially means to me. ongoing behavior. When would there be. like mountains of employees? Well, yeah, he does have a bad. reputation. Like people know of him. because of that. Um. See, this, ladies and gentlemen, in the. world of Twitter sphere and Reddit is.

what is actually an abuse of power. dynamics. People throw around the word. power dynamics all the time and it's so. [ __ ] stupid. No, the only bad thing. about power dynamics is some what when. someone abuses it and saying, "Uh you can't make money here unless you. dead or my ding, and that thing is bad. That [ __ ] is bad. You should get fired, and I want you to get money from him. Him. I know what he would do as well um cuz. technically he's a piercer, too, cuz. some shop owners are tattoo artists. Uh.

they're also piercers. So, sometimes. well, I would say a lot of time, when. girls would come in and they would want. um like inappropriate not inappropriate. like private piercings like nipple. piercings or genital piercing, he would. lie and say there was no one else. available so he could do that. other people available? Yes. So, that he could. can Okay. [ __ ] the tits? Mhm. Right. Okay. So, you couldn't take the hours and move to. somewhere else. How many hours did you. have at that place? I think I was there for almost a year.

I've been I've been at hopping around. shops. for almost a year? But then if you were, that should have been about the 50. hours, and then you could have moved on. And then done your own thing. Yeah, but he has to sign off on it. And he wouldn't have unless. not, yeah. Are you serious? Yeah. You know, for that's [ __ ] crazy. Uh cuz he had he had a sugar baby there, actually. Um. What do you mean? Was it an employee? Yes. She was another apprentice, and I. would say sugar baby be-. I think she was okay with doing favors. for him for him buying her stuff, so.

I mean I mean that's just that's. I tend to be a consensual adults can do. whatever the [ __ ] they want, but if it. becomes a workplace where someone can. literally fire you for not doing that or. something that's just obviously where. this is a no-go. And that's just even if. she was okay with it, that is. dramatically inappropriate. she was like 19. He's like. I think he's like close to 50, I feel. Yeah. Yeah. Well, I think the other part. would be illegal, him utilizing his.

power. Like I know yeah, it's considered. weird and you know, whatever. Uh but. like the other thing is actually what's. bad. You know, the age difference you. know, it's weird. But, the [ __ ]. leveraging his work power over people, that should illegal. Yeah. I I don't know. I was just It's. just scary cuz at the time I think I was. So, why don't you transfer to someone. else without a [ __ ] creep? I tried to so originally I was actually. at a really good shop before COVID, but.

that shop got shut down. So, then I I. was forced to go to these like shady. little places. Well, yeah, but it's not It hasn't been. COVID for a long time. Well, yeah. There's There's other places, aren't. there? I'm sure there's lots of small. [ __ ]. I would have to count. So, I've been to. the one in the mall, and the one in the. and then. Okay. I think. Okay, so how long have you been doing. security now? Cuz not much can be. hitting your account. Um the same I've been doing it at the. same time as basically from 2021. I was. doing the apprenticeships and security.

at the same time. because when you're kind of apprenticing. you still need like a job. Because you're not making any money. I can't even payroll. Payroll that came in was only 1,146. Ooh. Um yeah, I think. Like what the [ __ ] am I looking at? There's. I mean, there's cash apps and PayPal and. Venmo and a lot of [ __ ] Payroll was. 1,046.

So, what what's going on? There's. Fidelity disbursement. But, what the. [ __ ] Why was payroll so low? If you're. getting basically 40 hours a week that. math I don't know if you said 18 bucks. an hour. You said? Yeah, it's 19 an hour. 19? You said like 38 39 hours a week? Yeah. I mean, come on. Uh just And you. wouldn't be in a You're not in a high. tax bracket or anything, but even still. I'd assume you'd bring home like at. least 2,500 2,300. Yeah, I think I think around that month.

I might have been training cuz I just. got that job in November. So, I'm. because uh. the amusement park job like I didn't get. the promotion I wanted so I had to look. for. another job. So what is your account normally? What. can we expect? I typically like. 2 to 3,000 a month I feel. makes sense. That doesn't really make sense after. taxes if with the hours you're getting. that you're saying. I'll put 2,500.

Yeah. But okay. 2,500. Mhm. So we know on the income scale what came. in. Obviously there were cash apps and. some fidelity thing that I'm sure we'll. talk about but how much was spent? What. was your total spending? Um. I don't know. I I definitely spend a lot. of my income I would definitely say. Yeah, how much did you spend? I probably most of it goes to like bills. but I think I kind of have a bad habit.

of spending a lot cuz I work at a store. So I would say probably I. like half of that probably. So 1,100 came in you think you spent. 600? Yeah. You had me on my on on you. you had. You were on I was on your side so far. because you were [ __ ]. like it sounds like a boss that you had.

a weirdo. But you're losing me here. You think you. spent 600? You literally spent 10 times. that. $6,228. What the [ __ ] are you talking about? I thought I said more than yeah. I thought it was half sorry. Half of what? Your income? Yeah. How are you so far off? How how do you. not know spending 10 Listen I get when. someone says they spent 5,000 and they. spent six. Okay, but you said you spent.

600 and you spent 6,000. How the poss- How are we so far? How are. we so far? That is crazy. Um I think probably cuz I don't budget. at all. I don't do budgeting and I don't. really track. That's That Listen, no one that comes on. the show does budgeting, but again, that. loses a thousand dollars maybe. Or maybe like 25%. You were off. It was 10 times higher than you said.

10 times higher. That's not something. that's I don't budget. Like how are you unaware that you How do. you possibly think you only spent 600? How about that? Let's go there. How is. your mind in a place right now where you. think you only spent 600. I do have a lot of credit cards, so. sometimes that spending can get a little. forgotten about. but you're able to at least assess like. you spend. $600. $600 is not insignificant money,

but in terms of a monthly amount that an. American would spend, uh that's kind of. small. There's no way. I think. I'm sure your rent is at least that. My rent is 1,550. So there you go. How do you think you. only spent 600 if your rent's a. thousand? I think So. I I live with my boyfriend and sometimes. he pays for. a little bit more. Sometimes? Yeah, he pays for a little bit more of. the rent. Did the boyfriend know about the creepy.

boss? Yeah, he did. he go and beat his ass? I would have. Well. it would be ideal to do that, but that's. not always the best solution is to to. resort to violence. I would have gone to the police, but. okay. I I don't know how we can be so far. away. Listen, you're a guest on the. show, so you don't leave this. Do not go back to Connecticut until you. download our Simpler Budget app. We made. this for people just like you and for. those with advanced finances as well.

We're just trying to get to a better. position, but you get the premium. version for free. Everyone else, they. get a free trial, but you get it free. forever. So, take it. The automatic. connections, the community chat, all the. things that are in there, take advantage. of it. No longer budgeting is no longer. an option. This is not an option. Let's be real. If your private student. loans have you eyeing a third job at the. local taco stand, maybe it's time for a better plan.

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That's whyrefi.com/hammer. or call 888-WhyRefi-78. That is 888-WhyRefi-78. and get out from under the weight of. private student loans. Let's make your. debt meltdown a distant memory, not a. daily reality. Okay. Well, self-assessed, what do you think. your financial score is today? Zero to. 10. Um, I would say like a four, four to 10.

I think a four out of 10 still a failing. grade. It is, I guess, but five's like right. down the middle. But not even that, you. thought you spent 600, you spent 6,200. Where? I I think it's a little bit of. misunderstanding. I don't I didn't mean. to say 600. I think I meant to say like. a different number, but. I'm still wrong. It doesn't matter.

Probably a little bit more than 600, but. I'm it's still wrong. A little bit more than 600? Yeah. Like like a thousand or two like 2,000, but. Why is your phone not on Do Not Disturb? I'm sorry. Did you watch the onboarding video? Oh. I can put on Do Not Disturb. Well, it's okay. Okay. Well, if you want your Hammer Finance.

score, find out where you think you are. today, you can go to CalebHammer.com or. link in the description below. Take the. quiz, figure out where your finances. stand. And also, if you want to come on the show, and you. have an interesting situation, we'd love. to talk to you. You can come on down. here to Austin, Texas. The onboarding. process is pretty intense, but I'll let. you know exactly what you're getting. into. It's a good time. So, go to. CalebHammer.com/apply, and we'd be happy to have you on here. Okay, let's start going into these. documents.

Okay. Santander. It's a good bank. Okay. It's good to know if I'm ever looking. for a bank, I guess. Well, 18,000 Oh, this isn't a credit card. Okay. 18,000. cuz I was going to say that would be. crazy. Sorry, 18,957. dollars and 67 cents at a 13% interest. rate. Um. Okay, your minimum monthly payment is.

principal. 200 401 dollars. Yeah. That's crazy. For your income situation, that's impossible. For the amount of. money that came in last month, I don't. even know how you would have paid that. What is this? Well, well, the intention for that. wasn't for me to be the one to pay that, that's why. Um so. What's that mean? My. What is this even for? What is this? When I got my finally got my tattoo. license cuz I am licensed now, um. So you got it?

Yeah, I got my license. Then why aren't you doing that? So I was at one shop and I had to leave. because one of the artists would act. like he was going to hit me in the face, so I left. [ __ ] is happening? Okay. know. Um so then I was planning to go. with two other artists and open our own. shop because that is. you could easily. um. My ears are up here. Sorry. Um. you could easily make the money back. into the money you invest if you hire. more artists and then they pay you a. percentage, um but that just didn't work out the way. I thought it would.

Well, what happened? So. was for that? Yeah. You borrowed a loan for the business. that didn't happen? So. No, no, what happened? I'm not sure what the state of it is. right now, but I did take out a loan. because it. This loan? Yes. A four? To make renovations on a hair salon, so. then it can be. No. Yeah. What do you mean you don't know the. state of it? What does that mean? Um because the key had been taken away. from me and.

What? Okay, hold. Okay. What the [ __ ]. are you talking about? So. I need context here. I can give you context. So um there was. already an established business there. There was already a hair salon and we. were going to cuz it has to be up to. code for a tattoo shop. It has to have. ceilings and certain doors. You have to. make those renovations. What certain doors? Like escape doors or. things that work there? You have to separate certain parts. They. can't be exposed to each other. Um, and.

my. My So, then I was asked like, "Hey, would you could you take out um, what's. known that No, sorry. Let me backtrack. They had asked me, "What's your highest. like max on your cards?" And I had said. 5,000. They're like, "Can't do." They. were basically asking me to max out two. of my credit cards and I said no. For what? To do those renovations to get. up to standard? Okay. Yeah. And I said no. I was just two people from a previous. shop and we were going to collaborate. together to open our own shop.

And they were already asking you this. before you like signed the lease or. anything? Yeah, I didn't I didn't sign anything. I. kind of made that gigantic mistake in. like signing any documentation or any. I don't even I don't even like what Did. you even talk to the people who were. who owned it? Was someone leasing the. space? was there is someone with the owner and. then someone's an owner, they have a. business license. Owner of what? The business that was in. there or the property? The business, not the property. They're. renting. Okay, so. why didn't you have anything in place.

with the. person I guess who was renting to like. sublease or whatever? What What was even the process? So, you. were talking about renovating with these. two people before you even knew if you. could be in the space. Nice. Um, yeah, I just uh. pretty I just trusted them. So, I. figured that whatever they were saying. to me, um, they were telling. were you to them? I have known them for a few years. But, are they stupid? Um, I was expecting them to pay me back.

They had made a promise that it would be. within a certain amount of time and I. just trusted them. they stupid? Maybe. You don't know? I don't want to speak like too ill of. them because. I don't care. It depends on who you trust. There's. people that I love. but if they're stupid, I'm not trusting. them. To follow a business decision that. they're laying out that would require. going into debt. I I felt like I kind of owed them. because one of them had given me my.

license like they signed off on my hours. for me. Um and even though we were all. co-owners, I felt like I wasn't an. owner. I was more like an employee. Co-owners? Yeah. You guys formed a business. Mhm. No, you legally formed a business. Not legally. It's kind of word of mouth. Okay, so. word of mouth? Word of mouth to who? Well, it's not word of mouth, more like. verbal contract. And and I've known them. for a while. I just did whatever they. needed me to do. Like one of them, I. gave them a car, one of my old cars. What the [ __ ] are you talking about? You.

just gave them a car? Yeah. I I felt bad. an extra car? It was my old car. I already got a new. car. It was like my favorite car. a new car? Well, I'm still paying it off. It's technically I'm. I have a loan car loan. Uh-huh, I'm sure. Okay. Well, I'm sure. we'll get into that. Okay, so you. verbally agreed to split it 33.33% of. the way. Yeah, so I I wasn't The only person who. wasn't making payments was me because I. taken the money out for them and they. were supposed to make payments to me. Um.

the the original. the agreed upon term? I got to know. something here. I mean, this is There's. so many holes in this conversation. Well, the original agreement it was. verbal. I can't say. Yeah. Yeah. Why? I just I trusted them I trusted them as. friends. That's all. I didn't think I. needed to. When money gets involved, always get a. contract going. Always get a legal. contract going. They The So, they had to like, "Oh, we. can pay this off in a year." Which is. Hey, what off? The loan. This? Mhm.

Okay. So, you didn't have an agreement to even. be in the space, correct? I was supposed to be working in there, too, but um. Working in there? What is working in. there? Like tattooing. In a hair salon? No, but we had to separate the part that. was able to be. Did Did the person who rented the space. agree to that? Yes. They agreed to that. Did they get you on. a sublease? No. Was there a. conversation around getting you on the. sublease? I didn't know a sub.

sublease was a thing. Was there a conversation on getting any. paperwork done for the space you were. getting? No. Oh, my Okay. Was the master landlord aware? Um. The building owner? but I know we kind of made sure to have. receipts back and forth. Receipts? What receipts? So, when you're paying a percentage to. the shop, they want a receipt that you. paid a percentage of whatever you earned. to them because you're. Well, yeah, but that's not even close to. what we're talking about. No, no, no, I'm tying it in. I'm sorry.

Um so, then also receipts for the loan, like me making sure I'm taking the money. they're giving me and actually paying. the loan off instead of using it for. whatever. Um so, I made sure to do. receipts, but they weren't giving me. the people that was supposed to pay you. back for this loan, were they the owner. of the shop or was it just your business. partners? One person actually owns the business. and. the owner of the shop that you were. separating. in the different spaces, the hair salon. Yeah, yeah, yeah, yeah. That was one of them. Yeah, she's also a tattoo artist, too.

Okay, so that was one of them. Yes, correct. Okay. Okay. Okay. So, you went to borrow a. loan. to do this. Correct. Did you have. a contractor? Uh yeah, cuz I went to the bank and we I. signed a contract. A contractor to build it? A con- No, no, no, no, no. Uh the the re-. Who the [ __ ] was going to build it? You. borrowed before you had an estimate?

I think they already had an estimate of. $10,000. From who? I'm not sure. I wasn't. no. Who had an estimate? The the owner of the business, technically. What? I thought you were a co- a third. owner, and I thought this was your. responsibility. You took out the loan. Uh, I'm I'm talking about the person on. paper. Paper? No, on paper, cuz there's only. What paper? You said nothing was on. paper. No, I meant the only technically one. person owns the. The tenant of the of the unit. Look, you all know I love calling people.

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bring the value. Check it out, link in. the description below. Yeah, so the. cuz they have to do the plumbing and to. change the plumbing cuz you need to have. you need to wash your hands before. tattooing, so you need a sink and all. that. didn't have sinks in a salon? They need to be a certain kind. They. can't be the ones that are meant to wash. your hair. It's not the same. what plumbing would change? You'd think. they would be able to relatively be able. to connect in with with whatever you. need. Yeah, that's the They originally asked. for 10,000, which is still a lot of. money.

Um. I keep hearing they's and them's. This. isn't. in Twitter bios. The other owners. The So, the other two. people involved. They They asked me. like, "Hey, They asked you for. Cuz they had asked me originally to max. out two of my credit cards. And I said. no, because. For the renovation specifically. Correct. Okay. Mhm. So, you took out a. I thought you said it was Wait, if you. got a quote for $10,000, why do I have. an $18,957. loan here? So, they had set that amount, but then.

we went in to get pre-approved. They. came with me, and they kind of spoke up. and said, "We actually want this. amount.". Want? They said want? Mhm. They didn't say need, they said want. Mhm. Okay, and they said they could pay it. back to you within a year? Which is verbally. Verbally? Is that what they said? Mhm. Okay, what did they say their plan was? What was the What was the minimum. monthly payment that they were going to. pay to you? So, And also, what about the interest? Were. they going to pay into the interest that. you are paying on the loan, 13%?

I tried to explain to them based on the. payments that they were making that that. would not. What payments were they making now? They were just paying you the minimum. monthly payment. Correct. If they pay the minimum monthly payment. until the loan is paid off, technically, they will have paid the interest. Yeah, but based on the time frame that. they had said, that wouldn't be. possible. No, it would have been longer. It would be like 5 to 6 years. Yes, something like that. Yeah. And then they And then they got really. upset with me when I brought that up to. them. What do you mean they got upset? What. how How did that conversation go? What. did What did they get upset?

Um they didn't want to pay more than. what they were actually uh paying me. now. I mean, I guess on a monthly basis, they. could. They'd just have to go longer. Mhm. And they got upset at the idea of going. longer? Yeah, so. after. But you showed it to them. I I tried to explain it, yeah. Did you show it to them? Yeah. They They have all the They have. all the documents, all the. What was their excuse other than not. wanting to, or was that it? They just. didn't want to. don't have. That's the what they said. They don't.

have. have what? The money to pay the loan. Like more than what they were already. paying. Yeah, but they're just paying longer. I tried to explain that. Are they. I don't know. Um I know. After all this happened we went to we. were supposed to go to a tattoo. convention together. And a tattoo. convention it's can be very lucrative. You can make a thousand dollars a day. From. From tattooing. You can tattoo people. and make a thousand dollars like a day.

And it's a three-day convention and they. were supposed to go with me. But the last. all the experiences you've had with. people in the tattoo world that have not. been good, you decided to only do a. verbal agreement for a loan that you're. taking out. Well, I would say that's a different. thing. I would say. How? They're in the same industry as all. those other people that you said were. bad. You said you haven't met good. people. I would say sexual misconduct and. just that. Someone also threatened to. kill you. You also said everywhere you.

go to is CD and sketchy with sketchy. people. You said that. Yes, you had. specific examples, but you said if you. go anywhere that's what you get. And. you're trusting two of them. I just knew them for a long time and. they. And how did that work? It was good until this point I would. say. What at this point? This point? This. point? Well, I would say like a couple months. ago. When When did this happen? In August. You took this out in August of last. year? Correct. And it only lasted for a couple months. until it went to sh.

Yeah. Um. Oh my Okay, so what happened? Um. So after I had this all um. once we kind of had this loan stuff. going on I kind of knew it was not going. well when we were all like I said before. we were supposed to go to a convention. together. Oh, yeah. And they kind of bailed on me last. minute and I'm paying a lot more for the. convention than I was supposed to. Are they closer? Closer in terms of.

To to each other than you? Probably. Probably? You don't know? I Yeah, because of their age range. they're closer in age. So they probably. are closer than me. not everything. Well, it's hard they're like 40. Okay, but are they closer or not? Yes, they are. God, I don't [ __ ] know. Mhm. I mean, I have a friend out there right. now. She's a sister of one of my. friends, and she just turned 21. And we. have uh someone here that's like in. their upper 30s, I think. Uh. Wait, what example was I going to No,

no, no. We have someone that's like 25. that works here. I'm still closer to her. even though I'm older cuz I know her. It. It does. People aren't automatically closer cuz. they're closer in age. I'm curious, are. they closer? Are they friends? There you. go. Well, you answered in a weird way. that didn't make sense. But. Mhm. Okay. So, then they bailed on you. Yeah, they just last minute canceled. Like, I was. Um they were supposed to book the Airbnb.

cuz I had already paid for the booth. The booth was a $525, which if you split it with. If you split it with three people, it's. not that much. When did they bail? What How many days. in advance? The day of. For [ __ ] sake. [ __ ] written contracts, people. Written [ __ ] contracts. And they were not on a contract to the. booth. It was just you? Um their names were on the booth. They. sent their information, like their. license. contract to rent it? There's no There's no technical contract. to rent it. to rent the booth?

It's just a bill. You just pay for it. It's not like a contract. It's You just. pay for it. Like kind of like. paid for it. Correct. And they were supposed to pay you back. They were supposed to um at least. Okay, so you went and you didn't have to. split with anyone. So, you made a ton of. money, right? Uh. Who's this? What are you doing? We have a [ __ ] horse? Yeah. Hey, you're chewing into the mic. People. are listening. Sorry. No, what are you doing? Why do you keep. doing this?

I'm hungry. Have a little snack. You can eat it. afterwards or before. I had a long flight. You were in the green room for like an. hour. Why is you What do Why are you. eating into the microphone? I was doing my hair. Why are you eating into the microphone. on a podcast, lady? I have a I have an oral fixation with. like chewing, but I like to be healthy. Actually. Oral fixation with chewing? Yeah, cuz bored eating, I think. Like.

Don't we all have that? Yeah, but you're not supposed to eat. when you're bored. You're supposed to. only eat when you're hungry. like what if I can chew on pens and bull. [ __ ]. Oral fixation? Are we like diagnosing. that [ __ ]. Well, well, that's not a diagnosis. It's. more like just a thing. Um I mean it it. helped me lose like 50 lb though. Really? Yeah. Okay. Maybe I need to get on the oral fixation. thing. the before and after picture of me and. then you'll. Okay, well, good for you. Let's not eat. during the podcast like a [ __ ]. weirdo, but.

Okay. Okay, so I don't know how the [ __ ] you. were afforded a $401 minimum to payment. Yeah, cuz I didn't really account for. the principal or anything like that. Um. Just the payment? I know I've got. my accounts gone in in the negative a. couple times. Oh, for [ __ ] sake. Okay, so what. happened? You went there, you made a lot. of money, right? I made just the money back. I didn't. make a lot of money. Just made it back. saying you get a thousand a day there, but you rent this booth for 500. How did. you.

So the. only make the money back? The reason why is cuz there was a. Comic-Con happening like nearby. So you wouldn't have made a thousand. anyway. So why the [ __ ] did you say. that? Um I'm just saying that's the reason why. people go to conventions. Um. I've been to conventions a few times. I've been to like four conventions and. I've always made like a good amount of. money back. That I think that was the. first convention that was a bust for me. Okay. So when did they Are they paying. anymore? Um one of them. um, works we're trying to see what's.

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go and force people to do that. When's the last time someone made a. [ __ ] payment? Um, a partial payment was made for. February. Yeah. So, not a full. Partial, how much? Uh, I would say so, 210 was made. No, that's not all of it. 210 and a. combination of. 100, but I think she finished paying it. off with 85. So, I I know. Just one of them? Yeah, one of them paints on time. The. other one doesn't. Which which which which which one? The. shop owner? The one who owns the hair salon, yeah. Okay. Are you guys still doing this?

I'm trying I'm just trying to figure it. out. Um. Where are we in the process? Cuz it. sounds like the answer would be no. I was trying to. communicate with them regarding a. contract. Are you capable of communicating? Because like I don't know. Are they. incapable of communicating because. Listen, we're talking about since I mean. what did you say October? Not October, August. No, no, no. Since the [ __ ]. convention. The convention happened technically I. think in September. It was after August.

So since September? Mhm. Okay. Yeah. Um. It's just It's just It's It's hard to. try to uh. Go to the salon. Go to the salon? You're a security person. Go beat her. Not actually, but at least go there. That's a way to talk to someone instead. of waiting for them to text 4 months. later. I am a little scared to do it, so I. don't want to. Why? What is she going to do? No, it's more so like um. I was kind of raised to like respect my. elders, so it makes it hard to do.

confrontation with people older than me. Her You're What the [ __ ] kind of. The respect. Mhm. That's not. That's not what's happening here. Respect is you can respect them as a. person while still having a. conversation. I don't think that. mean? Going and talking to someone is. not disrespectful. I don't think. What are you talking about? work. I don't think they respect me. No, you can talk to them respectfully. I just. based on how the I know their. personalities, I just know that's not. going to work. Why? What's their personality?

Um. So they can't talk, which means you. can't talk to them. I've I've messaged, but if they don't. reply, I can't force them to reply. You can go there. Hey, how are you doing? I I've. I don't know. I'm just scared. I'm scared of the. confrontation. what? Now you have a minimum monthly. payment that is driving you into. negative in your checking account. multiple times since the fall. This is going to ruin you. I know, I thought about that a lot cuz I.

But you've done nothing. I know, I talked to my mom about it. Oh, good. Yes, one of the most invested. partners into this. Well, no, my mom was mad at me. Huh? My mom was mad at me. She Yes. Yeah, she said, "Why did you do that?". Yes, why did you do it? It's dumb as. Yeah. Um. She's correct. She is correct. Um. I don't know. I just I'm It's hard to. explain. It's like it just like a. the anticipation of a negative. interaction repels me from going. So,

I'm just I'm trying to. Who says it has to be a negative. reaction re- interaction? I just know there's like legal stuff on. with them them two, so like. stuff? Yeah. What? Like I can't really I don't want to like. put anyone on blast. Okay. just know they have issues and I just. don't want. or. No, just in general like in their own. personal lives and I just don't think. it'd be a good idea. Um. I know. I just know like it just went nasty. So, I just I think if we go over there, it's. just well, or if I go over there, it's.

just going to be an argument. Like I. don't think it's going to be like. What does their legal stuff have to do. with that though? Um because you have to you would have to. get them to sign a contract and they can. just say no. Well, yeah, you're a dumb ass. Yeah. Objectively. Just a little bit, yeah. No, a lot of it. This has destroyed you. Have you ever been late on this? I think. technically once. Um because I. Did you make the payment 5 days ago?

5 days ago? The payment was due 5 days ago. Did you. make it? 5 days ago? Yes. For I know, I I I. February was already paid. I'm pretty. sure for February. your payment day? That was the latest it. could be paid before our fee hit. Yeah, yeah, yeah. the payment? Yes, yes, yes, yes, yes, I was scared. for a second, yeah. All right. Built. This is This is the card you can pay. rent with, right? Yeah. Um, I was. Which is good for people that aren't.

stupid with their money. I feel I have a. feeling this is not good for you. Listen, I would just do the Fizz card. for you. cuz it's a credit card. that's a debit card that can actually. build It's a debit card that builds. credit. All that from a couple carrots, huh? It's cuz I I'm really hungry. I'm sorry. You burp when you're hungry? Well, cuz your body's trying to eat. something that's not there, so then it. makes you burp. Like, you swallow. there.

Built. I do pay my rent with that card here and. there. I There's always a balance. tells me it's because you can't afford. to pay your rent, not because you're. actually receiving the benefit that is. coming from it, and that's why a lot of. people use this card. Um. Uh-huh. $1,270.23. on here. I mean, it went up from $982. No wonder you Look, you spent $965 on. here. That's more than you said you. spent across the board, across the. [ __ ] board.

I think that was the label from the. previous month cuz I haven't paid the. balance. Huh? From the I said the balance from the. previous month. That's why. No, those are purchases. A purchases of. Yes, what do you think I just said? Sorry, sorry, sorry. No, no, no, I said it was more than you. said in this previous month. How are you. at. Okay, $21. Mhm. and $96 of interest accrued with a. minimum monthly payment of $35. Ulta, I guess the coat that face. That.

was probably the entire trip right. there, this episode. I really like makeup. it. No [ __ ]. Everyone's. very surprised. You look like you're in Mulan. Mulan? That's crazy. Marshalls, Five Guys. Yeah, Five Guys. I got a treat I got a treat Pookie. Princess to Five Guys. What? My boyfriend Pookie Princess.

That's That's your boyfriend is Pookie. Princess? Well, anybody can be Pookie Princess. That's like just someone you care about. so you're you're Pookie Princess. Oh, am I getting old? I I don't know. this. I know Pookie. Pookie Princess. me. I swear it's just me. It's just me. Cuz I even when like PD comes down to. like Target, I call them Pookie. Princess, too. P. What the [ __ ] are you talking about? Okay, and then yes, you went into.

Target, got some [ __ ] Went into. Target, got some [ __ ] Now you're. not buying anything thing necessary for. five bucks. You're getting drinks. I'm trying to remember what I got. Uh. Definitely wasn't energy drinks. I don't. think so. I think mhm. Was it chocolate milk? How the [ __ ] would I know? Sorry. Sorry. How the [ __ ] would I possibly know? How would I know, dude? Oh, okay. So, I probably So, I can't. probably tell what those drinks are, but.

I there's a few times I. But I know it's [ __ ] is what I'm. saying. Um yeah, I also You're. You're spending money you don't have. while you're going negative in your. checking account because you took out a. personal loan that wasn't backed by any. kind of contract that other people are. supposed to pay, and now you can't. afford to pay. Well, how does that make. sense? How do you spend basically what. you brought in last month on bull. How do you allow that? How's that. acceptable? How long have you been. dating your boyfriend? 4 years. And he's okay with this? A potential. fiance? A potential marriage? He's okay.

with a financial. disaster on the other side? He told me that. um even if he tries to give me things. that I should do that it's hard to. get me to listen cuz I'm stubborn. I don't know if it's the stubborn part. that's making it hard for you to listen, but. yes, I get it. Cuz he's not like controlling or. anything, so I don't have to worry about. that. That's not what I'm saying. Cuz some people are like control other. people's finances even when they're not. married.

Yes. Like they'll like I need your access to. your password. to him, someone who might know what he's. talking about? I don't really know, but. obviously you're in the worst place and. he wants you to do better. Why not. listen? He didn't really talk too much to me. about it. I think he's just. [ __ ] are you talking about? I thought you were talking about we're. talking about the loan, no? Cuz I did talk to him about it. We're. not talking about the loan right now. Are we talking about debts? We're. talking about the credit. Anything that you're doing. Um. Are you guys going to get married? Hopefully. Yeah? Yeah.

Why would he marry this? I. Why would he pull this into his life. that way? Um probably cuz he loves me. Love, but he's going to destroy himself. Yes. No. I mean if if you get legally married. $6,000. more than you made. 5,000. more than you made. Well, he's also trying to get a really. good job. Good for him and then you'll take all. the money and blow it. No, I would not do that. You blow more than you make. What are.

you expecting to happen in the end? What's your What's your What's your. [ __ ] path out of here? What was your. little magic plan here? Well, I wouldn't spend his money. I. don't think that's. Oh, come on. No. even know you are. No, no, no, no, no, no. You don't even know you're spending your. own money. Well, you'd get a joint account and it would. all be out and you'd be like, "I'm just. getting a pokey little Five Guys.". Well, a joint account I think it should. be only for like kids if you're having. kids together. I think it should be like. your joint account for money for your. kids and then you're off. What? That's an interesting new. qualification for a joint account.

Well, I'm saying that's what it should. be. I'm not saying that's like. a rule. Cuz I am I am. I'm just saying if you get access to his. money, he's going to spend it. But not. only that, but you're going to have debt. You're going to bring debt into the. relationship. Is he legally required to. pay it? No, not necessarily. But unless. he's on the debt and there gets. complications, blah blah blah. It's. always different things. However, in the. end, he will feel like he should pay it. because uh-oh, this is my second half. and you're making your debt worse and. worse and worse every single month, worse and worse and worse and worse. again into stupid and stupid business. deals. Why would he bring that into his life. that way? In a more permanent fashion.

In a more risky fashion. What if he used. his credit or something. just because you just think that's a. normal thing to do and then you just. [ __ ]. apply to both. some dumb new business venture. Um. Well, probably cuz he wants me to have. his babies. He might just be a little horny.

Well, look at me. Yes. Mhm. We all know. Mhm. Everyone is aware. But I don't know if he's going to. absolutely destroy his life. Unless he's the [ __ ] you know. I think I think it's his testosterone. making him go there. I think we I think. it's worth it if we have like ginger. babies. [ __ ] hell, is he a ginger? In his family, it runs in his family and. mine, too. Is he a ginger? His mom's a ginger.

Is he a ginger? He's I don't know if this makes sense. He's half ginger. What's your real hair color? Cuz I know. that isn't. Brown. No, I know the roots are growing out. I. know. I know. I have I have to redye it soon, but I. have been putting it off. Yep. Okay. Um. I know a lot of time when I go to. Target, I like to get press-on nails. Um. What is it? Just a. new Just every time you go in, that's.

your little sweet treat? Little press-on. sweet treat? Yeah, I You can all Well, the best way. to do it is to get press-on nails, and. then you can just paint stuff on top of. it, so you can. them over here. They're not that great. They're. outgrown. My favorite ones were the. Sanrio ones. Nails, okay. So, that's a special little. thing that you have to. No more carrots. You [ __ ] freak. carrots. I got something for you. Okay. What? Olive & June. I don't know what this is.

They're press-on nails. We're going to. put them on you. What am I supposed to. I This is not your show. Yeah, we're going to put this on you. What are you talking about? I know it's not your color, but. What would my color be? I would say definitely green. Like a. light. have thought? Well, how much do you spend on this [ __ ]. on a monthly basis? Mhm, I think a pack of them could be. like $9, so it could be $18 if you buy. two. Oh my. If they're on I know sometimes they're.

on sale. They're telling me to put it on. They're. pressuring me. I think they're right. Like Can Do I get to take them off? Are. they easy to take off? Yeah, of course. How easy to take off? Um just don't put too much glue on it, and it You just. I don't know. I'll tell you, don't worry. I I can help. you. I can help you. You are building this up by Is this what. you're getting for [ __ ] Ulta and both. Oh, no, no, no, no. 965 Oh, this is your Target thing? $965. is what you spent? $965? That is almost what came in last month,

and you added that to a credit card that. you can't pay off while you're negative. in a checking account, while you're. giving out loans that you can't. Fine, do a couple. Do a couple? I don't care. Okay. I've never done anything like this. Hold on, I need to eat a carrot. me a. second. No, [ __ ] your carrots. Stop with the. carrots. No. Stop with the carrots. No one gives you. [ __ ] with the carrots. Just don't crunch. into the mic. Okay. You little weird person. Okay, let's see. what [ __ ] $965.

of spending and $21 of interest is. worth. my favorite. It's not my favorite brand, but. um cuz the Kiss brand is better, but. Am I going to have the desire to get. pegged once I get these on? You could have been a Twitch girl. You. look like it.

I really like video games specifically. pen. I can't pick up the pen. You got to. Here we go. I really like horror games specifically. I know I'm anticipating the release of. several Silent Hill games that are. coming out. Um I don't know when they're. going to be released though. There's. like four of them. One of them was. already released. There's a remake. You don't have money. You don't have money. I don't give a [ __ ] How long does this. take?

No, wrong one. Oh. Did I throw that card? How the [ __ ] do. women operate? Oh, this is impossible. How long does that last card take to pay. off only doing the minimum monthly. payments? The Belt card, if you don't purchase. anything and all you do is purchase. So, how long does it take to pay off? I'm hoping to pay half of it soon or. most of it. I'm just waiting. Um.

How long does it take to pay off? Minimum monthly payments only. Um I think it's less than a year. Nine years. Oh. Nine [ __ ] years. you'll be 32. That's how I mean, that's not that old. Well, you got to do it with grace. Target. I love Target. Yeah, you Don't you [ __ ] work there? Yeah. They should be giving you money, you not. you giving them literal credit card.

debt. I know. You have a balance. Well, it's a small. balance. Do you pay this off every. month? Uh more or less cuz it's easier to. More or less? Um because there's a balance on. But do you? Yes. Yes. Yes. Yes. Yes. Yes. You sure? Every time? I would say 90% of the time cuz there's. Why the [ __ ] would you ever pay interest. on this? Lady. Lady, why? Why would you. ever pay interest on this? I don't. really get it. Cuz technically, uh it looks better when you have a debt. and then pay it off instead of paying it. off immediately, I think. I'm pretty. sure.

Is this is way too sensual, I feel. You don't need to be here. Okay. So, I'm. not going to put this down as a death. end, but what You're purchasing so much. on here. She's not doing the other hand. She is. not Okay, we're not Oh my gosh, dude. These are all both purchases cuz it's. both both both both both. I think. It's so stupid. It's so much What? What. clothes? Why are you getting so You're.

getting clothes every day. Listen. Listen. Listen. This is half half the days of the month. Half of the days of the month. Hear me out. Hear me out. Listen. Sometimes I'll buy things and then. immediately return it. Yeah, but I don't have any any returns. on here, so I don't know what the [ __ ]. you're talking about. There should be some funds being Oh, cuz. I bought gym clothes and then. I returned them. Nope. Is that on the Target one? Yeah. Nope. Nothing returned on here.

Nothing returned on here. Where's your. returns? I don't see any returns. What. are you talking about? Why are you. returning everything? It's more or less because like if I need. something and like if I wanted to go to. the gym afterwards. on the Target app? Yeah. Let me see. Don't look at the Don't look at the. newest one. Don't look at it. What? The [ __ ] Headset? Yeah, the chromie headset. Yeah, you're a little bit of a freak, but we already know that. It's just the the number next to it. That's all. Yeah, it's $180. You're negative in your. checking account and you're.

This is [ __ ] stupid, dude. It's limited edition. Sorry. Limited edition? Who gives a That's so. stupid. It's bull bull It's bull It's. bull [ __ ]. It's bull [ __ ]. I know. I should be I should be a. booster with Hello Kitty and. Okay, bull bull bull [ __ ]. And the first clothing thing was at the. beginning of this month, so you're not. returning all the I said stop. Give me. Give me that. Give. Give. Give. Give. Give. up. Okay, okay.

Give. They're gone. Stop. You're crunching into the mic. You're being weird, man. Okay, stop trying to be a character. Are. we here to fix your finances? Yeah. We can have fun, but are we here to fix. your [ __ ] finances? I feel like we're. Focus up. I'm focusing. Chase card Amazon account, great. Yeah, the last thing you need is Okay, it. looks like this one's paid off every. month, too. So, we're really dealing. with like those two aggressively bad. ones at the beginning. But basis. But, it was $164.75.

And it's Amazon Amazon. Okay, pull up. your Amazon app. Let's see it. 26%. interest. No fees. You pay this off. every month? Yeah. Is it a more or less or do you pay it. off every month? To be fair, I do share. No, how about you answer the question to. be fair? What the. I share an Amazon account with my mom. Hey, you. Look at me. My job is to sit. right here and be the absolutely. stunning figure that I am. And some. things I just can't help like my.

incredible ass, which is why you're all. here, of course, but also some things. all are in my control. For example, uh. pearly whites. I yap a lot, and some. would say too much, so I get it, but. listen, if I'm going to yap, my teeth. may as well look pretty damn good. I. drink a lot of coffee to get through. these audits, and I started noticing. some staining on my teeth, so I've. partnered with today's sponsor, Aura. Glow, and they brought back my. confidence for continued yap sessions. The reason I prefer them over. competitors is because they actually.

whiten, but they do it sensitivity-free. And that's always been why I can't use. these types of products for long due to. my sensitive teeth. Seriously, these. things are incredible. Make sure to go. to Amazon and get the Aura Glow teeth. whitening strips, or click the link in. the description below, so your yap. sessions can be just as confident as. mine with stunning white teeth. Do you per- pay it off every month? I. don't give a [ __ ] Do you pay it off. every month is all I care about cuz it's. in your name. Show me. Okay. You want me to bring up cuz Amazon and.

Chase are separate, technically, cuz. it's through Chase Bank. And then. app where you purchase things. Okay, okay, but the purchases are also. going to be my mom's purchases. She pays. with her own. That's okay. Okay, okay. Hold on. All these. glove things and. That's my mom. That's. All the cheap. That's artistry things and. a crafter. clothing and coffee and cowboy hat. You. don't have any subscriptions. I don't. I'm actively surprised. true. Actually, that's a lie. I do. Okay, well, nothing subscriptions on.

there. I have X. an Xbox membership, um for the Game. Pass. more gaming. I was thinking about turning it off. because I'm like not really into Xbox. anymore. It's all about PlayStation, but. I do have a gym membership, but that. does that does get reimbursed every. year, um because of my health insurance. And I'm okay with gyms, anyway. I get like I get a back cuz my uh Blue. Cross Blue Shield, shout out. is this? Can I put it straight so I can look at. it?

What is this? Sorry. Oh, no, no, no. Yeah, yeah, yeah. What is a $9,797.54. balance? Um can I look at that or no? Oh my You don't know what your third. loan is out of three? 9,000. Is it the car? You said you had a car. Yeah, yeah, yeah, yeah. I'm sorry. I'm. sorry. I I forgot that I've been paying. it off cuz I remember it being. significantly higher cuz it started off. at 18,000 now it's at 9,000. That's why. I got a little confused. Yes, for my. car. My Subaru, my Subaru.

Impreza. Ooh, I need someone to just come in here. and just like double hand this. Oh man, this is nice. What? I was I don't know. There's no one else. in the room. Yes, there is. Lindsay and Jacob are. both back there and I'll take both of. them. $9,797.54. is your car. Mhm. It's at a 10.39 interest rate. You. didn't need this car. You got rid of. your last car. I know. I should have got a the the. Subaru car. When did you get this? Uh I would say 3 years ago.

What's it worth? Originally I had bought. What's it worth? 20,000. No, it's not. Right now? first. What's it worth? I don't know. Give your VIN. Not on me. I think. Do you know it? Not by memory. have it somewhere here? Yes. The We don't need it. It's okay. It's. until the end of the decade until you. pay this off. Minimum monthly payment. $261. So, you include that with your. first and your second and we're already. at. almost $700 in minimum monthly payments.

I don't know if the [ __ ] you could. afford that when last month you brought. in 1,200 or whatever. Yeah, I. So, you spend more than you make on a. monthly basis and why your debt's going. up. My debt-to-income ratio is not good. That is true. Why are you here? Um I do want to kind of get better with. budgeting cuz I know a few kind of. Better with budgeting? You haven't even. started budgeting now. I know, but I got to start. not better with budgeting. Why Why. haven't you at least just started? Um I. I think I've just been putting it off. cuz it's just inconvenient. I'm going to.

be honest. How? Isn't being in debt inconvenient? Isn't having negative money in your. checking account inconvenient? What are. you talking about? Well, just cuz it's uh involving other. people. It's not just myself, I suppose. Well, no. Like cuz the loan and stuff. like that. So. What? Um cuz that one involves other people. less inconvenient because it involves. other people? having to tackle that specifically, that is inconvenient. But everything. else, I s-. I definitely have bad habits here. I.

can't help it. I'm. I am a makeup girly and I'm a gamer. gamer girly. You talking about? You spent $6,000. That's girl math. You spent five It's not girl math. It's. stupid. It's stupid. You spent $5,000. more than you made. Like, I don't know at that point. I was thinking. That's that girl math. I was thinking about donating plasma. It's not Listen, your income's not. great. You live with your boyfriend. You. guys split rent?

Yeah, we're hoping to leave there soon. Um but. Okay, and go where? To take out a mortgage for a house. But. we're still trying to get pre-approved. be on it, will you? Yeah. No, he's doing it. This is what I told. him. Do not let [ __ ]. He's doing it. He's trying to see if he. can. Pair get to you. It Buddy, if you are watching this, no. You cannot allow her to be on a. mortgage with you, man. You cannot allow. her to be on a mortgage with you. You're. lucky you have like $100 of equity in.

this car. It's worth about $9,828. K? Okay. But the interest rate's horrible. You. cannot get on a mortgage with him. He cannot First of all, you're going to. like bring down his rates. Yeah, we're we're both thinking about. getting second jobs. How's the car doing? It's pretty good. I I would say it's. slight damage on the front. I think it's. And what's the damage? 40.

It's either 48 50 or something thousand. or something. the damage? Hit and run. Someone hit my front of my. car while I was at work. At least you have airbags with you. wherever you go. Yeah, it's not like too bad. It's just. like there's a scrape in my car, but. everything else is fine. I was working a 16-hour shift. I come. back and my car has a scratch in it. Is that all your debt? Um. three debts, really. I feel like I there might be an. additional one we're forgetting about. What? It would be yours. I don't know. I.

don't have your [ __ ] life in front of. me. Cuz there's the the loan, the car, um credit cards. I think that should be everything. I mean, you have a current balance well, at the time of the statement of 1,827. Yeah, that's cuz it's rent cuz um cuz I. have to pay 7 something for rent. So, is this having enough in there for. rent? Okay, then we now $10.61. Microsoft Ultimate $21.24.

Game Pass. You. You do the [ __ ]. Practice. Yeah, it's going to take me a second. Cheers. Cheers. Liquor. No, no, no. Actually, no, that's for um. therapy. Or no, is it Cheers Liquor? Sorry. I My. bad. You went and got some [ __ ] from. Target. That is true. Target and we've done that endlessly. There's. I love Target. There's more liquor in PayPal out $2.96.

Oh my What? To be fair, when I I usually get. reimbursed for when I would go do liquor. runs. That's not for me. I said one of. them I. Wait, but the deposit's 3,000. It was. from. [ __ ] Fidelity. What was that? Ooh, that was. a old. What? That was an old 401k that I had. No. No. No. No, that's incredible. That's incredible from 18. From 18 is. exactly what you want. From 18 is exactly what you want. 18 to.

59 and a half the compound growth on. that [ __ ] is incredible. Incredible. You withdrew it? You withdrew it all? No. That that $3,000 would have been. like that that $3,000 would have been. like. $25,000. Yeah, it was that was it stopped coming. in. What are you doing? It was sitting. in a. a rollover IRA rollover because I was. working at Chipotle when I was 18 and. I'm obviously not working there anymore.

Why did you pull it out? Why the. possibly? I know you didn't make enough. money. You spend way more than you make. But why the did you possibly pull it. out? To buy a PC. Oh my. So you're not getting rid of Game Pass. PC. I thought I was a PlayStation girl. now. What the. So you can actually use the Game Pass on. PC. That's why I said you're not getting. rid of it. Yeah, I. do you you can't you don't comprehend a. lot of the half the things that are said. to you. I need to call that out so that you can. be more conscious of it. My therapist. said I'm a little slow.

Not like not like mentally delayed but. like hearing slow. Like. okay. So you got a brand new PC even though. you're a It's different It's rainbow. color. Great, but you said you're a. You said you're a. PlayStation girl. Well, my boyfriend. bought the PlayStation for me. So I. didn't have to buy it. Yeah, but why do.

you need a PC then? Yes, it's better, but you said you're on PlayStation. That's your thing. of it was um I wanted. to use it for video editing. I I. the. What video editing do you do? I I I used to be a little TikToker, but. now I'm trying to move to YouTube. Oh, you are. Um so. out here promoting yourself cuz you're. using a fake name, so we're certainly. not going to share. Well, no, no, no. What do you TikTok? Um. What do you. How many followers did you have on. TikTok? Over 100k and I. Oh, that's actually that's great.

So, I needed like two monitors and but I. don't know how to make the second one. work cuz low-key useless. Um. You don't know how to make the second. one work? I bought a bunch of cords. a boyfriend though. I know he is. a second set of eyes. a new desk because I was using a. I was using an old desk that my mom gave. out of a 401k to do this, not to. survive, not to put a down payment on. the house? Um to be fair, like a thousand for a.

desk, a new PC, keyboard, mouse, all. that's pretty good. Oh, for video editing, you didn't need. this whole PC though. Did you have a. computer? Mhm, no. I haven't had a Where did. the [ __ ] you get that from? Where the [ __ ] did you get that from? What's your PC? What are the specs? Let's save this conversation. Um I don't have the specs memorized. right now. I can look it up. the processor? You don't even know. What's the GPU?

That's going to be primarily. know it's high. For video editing, the GPU is going to. be the biggest part. What's your GPU? I don't know. You don't know your [ __ ] GPU? it memorized. You said it even just now. It's a good I know it's good cuz I. looked up all that stuff up. but you don't know what anything is, so. I don't know what you're talking about. Yeah, but who knows what the [ __ ] you. looked at when you looked it up. I have to take a [ __ ] [ __ ]. So, what's in your retirement today? I don't think I have a retirement. account set up at zero. What the [ __ ].

I was supposed to set it up. Again, what. are you here for? What's your intentions here? I do generally think. there's I I can learn some things from. here, but I feel like maybe. there's a little bit of some What's the. term? Not boundaries, stuff getting in the. way. Boundaries? Oh, stuff getting in. the way of you learning? My therapist. said I'm a little slow. What possibly? I'm hoping to figure all this stuff out. so I can.

start a family and then pursue like. social media. You want to start a. family? And pursue social media. Not. yet. No, you're not in a position for. either of those things. You can't even. afford to pay your own bills. You're. spending more than you make. You're. taking money from retirement. And there. is no way for you possibly possibly to. start a family, get a house I I grew up. Why are you pursuing social media? What. the [ __ ] do What's your talent? TikTok. is easy to get Is that how you got. following on TikTok with art? Yeah, so. Is that why you got following on TikTok. with art? Yes. Let me see. You want me.

to see what the TikTok with Yes. You can. have. Let me see right here. Art. Here. I'm. not five. Don't look at the ones with me. Those. are bad. Only the art ones. Well, that's what I'm trying to. understand. You're not here to plug your. [ __ ]. Um I'm not allowed to. Exactly. It has arrived. No, my voice. Don't do that. I got. Don't lower lower, please. I hate the. sound of my own voice. I'm just going through here and I don't. understand.

why you have followers. Oh, dude. No, Seb, you're looking at all the bad. ones. I'm sorry. of attractive when you look like a. normal human being. That's so mean. What? Isn't that a compliment? Why are. you showing screenshots of people of. people? It's conversations. What are you talking about? About screenshots? Oh, no, that's so there was like an art. drama that happened involving someone. trying to spread the misinformation. about another artist. I was like in. that.

Why the. You're one of the weird internet. Yes, I am. Mhm. I don't know if I want you to be here. Well, that's a long time ago. is basically nothing. Yeah, I haven't posted in a while. I've. been. Well, I mean a month, but that's it's. like your YouTube is. I know it's going down cuz I haven't. been posting the content that they like. your content is just. It's just drawing things. So, that that's our art that I made. I don't know what.

Yeah, you can pull it out of a 401k for a. gaming PC. I mean, at that point I just. don't understand. And you can't describe to me what you. want. So, like I honestly. I'm not going to do it. I'm going to. finish this, but I have almost no desire. to because you can't actually adequately. describe what you want. And I only want. to talk to people who want help. Even if. they're a little freaky, but you're not. even able to describe what you want out. of this. Well, I definitely want to I do want to. have a better future than one I.

What can I do? Um I know you said you were going to. present all these tools and. Yes, you get our classes. You get all. our classes for free. You get simple. budget for free. We can give you the. free free therapy sessions with. Sondermind. I can get you a course. career certification. All the stuff that. our audience loves. All the stuff that I. love. Yes. That's the reason you came on? I think it's if you can get. opportunities to be better regardless of. how silly they may be, I think they're. productive. What about this conversation? I think uh acknowledging that you have a.

problem is the first step of being. better. So, you're not listening to anything I'm. saying then. So, we're not making an. impact right now? This is an impact. Um you give a lot of tough love. What do you want from me? I want a better understanding of how to. improve my debt over time. Okay. Mhm. What about the retirement front because. you just [ __ ] it? I was. uh waiting well, obviously to pass the. time. I know some 401 K's you have to. wait till you're over 21. But now obviously I'm 23, so um.

What's Is that what the point of a 401 K. is to save for a few years? No, I'm just saying like. Then what the [ __ ] are you talking. about? When did you pull from your 401. K? Oh, it was that last month's. statement. Yeah. What How long have you been on this. channel knowing we existed? Just a little bit. Was it before or after that? Um I would say after. That's insane, dude. That is [ __ ]. crazy. Then in this PayPal it's TikTok. Shop, Adobe, Best Buy, McDonald's.

There's your fast food. Best Buy is 191. Adobe is 280. The [ __ ]. Huh? TikTok Shop 193. What? the desk. A TikTok Shop? It was nice. I used to I used to get free stuff from. TikTok, but then TikTok got like. Actually I have savings of 319. Your debt is not the absolute worst. situation you've ever had a lot of. people on the show. The business. situation that you did with your friends. is the dumbest [ __ ] thing I've ever.

heard. Yeah. Uh but then you pull out of your 401 K. and you act like you're just a [ __ ]. with so many things. This is I I don't I. don't understand. I can give you a debt. payoff strategy, but you actually have. to be someone willing to do the debt. payoff strategy. Uh I mean I feel like I can. You pulled from a 401 K recently. I can. You bought a gaming PC from your pulled. 401 K. I used to be a straight A student. I I I. can. give a [ __ ]. That doesn't matter anything. You could. have been a straight A student at the. special school.

Like I don't know. Um no, I'm just saying I. nothing to me. No, I said I can I can learn to be. better. I just have to use my left hand for any. kind of paperwork movement. Now. Now, where's the budget? Dude. Oh, I can't grab things. Total income. I guess we say 2500. What's your portion. of rent on a monthly basis? 1,550 and I pay half. $775. Okay, your debt payments.

$698.11. What about utilities? How does that work. in this house? Oh, we don't have to pay utilities or. water. Okay. Internet? How does that work? He pays for internet. I don't pay for. it. Gas, vroom vroom, drive drive. How much. is it on a monthly basis? Uh I would say I pay like 35 per week so. I have to drive really far for work. because I wanted to work at the nicer. Target and not the ghetto one. Yes, okay. I guess it's better for security. Car. insurance? Uh car insurance is roughly around I.

think 275. I could be wrong though. It's. It's definitely within that range. Phone bill? I don't pay for phone. My mom does. Oh, when you're off of that make sure. you switch Make sure you do Helium for. only 15 bucks a month. Okay. Same towers as T-Mobile. I'll allow you. to contribute $300. to the food pile and $100 to TP funds. That includes makeup, that includes. [ __ ]. whatever you got going on over there. that you need, okay? Mhm. Medical health care, anything on a. monthly basis that you need?

My mom pays for that. Oh, but you're. talking about expenses. Um just therapy. Uh 25 per session and I only go every 2. weeks because. 50 bucks. Okay, anything else? Pets? Um I only have partial custody of my. dog. Do you pay for the food? Sometimes but it's been. How much? Like 20. A month, okay. I'll say that. What about. Does he have dog insurance? My mom pays. for the doggy insurance. Okay. See, this. is this is that honestly a part of this. conversation is suggesting more.

as to why. your language is what it is, your. knowledge is what it is, your dismissal. not dismissal but your confusion, lack. of being able to just comprehend things. is because you are mama's little girl. And you are also taken care of by the. boyfriend. You're just taken care of by. people. You don't do anything. You're not. responsible. You've never been. responsible. You've never had to deal. with your own sh-. And if you do, there are people to bail. you out. And people always take care of. things and you've never been an adult.

for one time in your life. And that. literally, I am so glad we made this. budget because that explains everything. That explains this entire conversation. so far. It defined it. You're. a. child. My mom doesn't like you and she doesn't. like people like you. I don't. care. I've. never thought about her in my life and I. never will again. I think it's just because. we I grew up pretty poor. So, I think my.

mom's just making sure I have. everything. too. But guess what? I'm not enabled. Yeah, you have an extra $141 on a. monthly basis. It is going to take 212. months to pay off your debt. Mhm. Oh, she doesn't even care. Or 17 years. 17 years. Okay. So, that's your debt payoff. Sorry. No, in reality, you need to go make more. money. Uh stop You can [ __ ] with social media. in your free time, but you need to go. work 60 hours a week. I was at one point. I had to It was.

do it again. Congratulations. Do it. again and then start paying off your. debt pretty aggressively. Make sure your. friends pay for this uh. uh. debt. Have that conversation. I can. maybe call one of them on the post show. and confront them for you. no, don't do that. Don't, please. Maybe. We'll see. Don't do that. I like to call and confront people on. the post show, so. Uh yeah. You got to pay off that. car. Mhm. And built car. And hopefully they take. their responsibility, but don't get into. any more business situations. with these people.

And you just need to grow the. Mhm. I don't think you're ready. to have a kid. I don't think you're. ready to get a house. I don't think. you're ready to get married. I don't. think you're ready for any of the stuff. that you are talking about. It's just tough because. Spending and a budget, you overspent. zero out of 10. Debt. That's not the worst. For your income. situation is bad. So, I'll give it a two. out of 10. Emergency fund, you have. barely anything. Retirement, you just. pulled a zero out of 10. Real estate, zero out of 10. Hammer financial score,

What were you going to say? I'm just saying there's. um a biological limit for like when you. can have kids. Yeah, but it's also. you're 23. Well, they said the younger you have. kids is better, but. Of course. Of course. But, you're 23 and. we live in 2025. It's not 1802. Yeah, my my mom had two kids by the time. she was my age. Uh-huh. Also, different times. My. parents and that's probably why they. were poor. Mine were 18 and 19. That's. why they were poor. And my mom's 19. My mom's pretty young.

Okay. Hammer financial score, one out of. 10. Guys, come to the post show. We'll. we'll you see we have some kind of fun. confrontations. If she allows me to call. these people, I'll call them. Probably. going to call someone. We'll figure that. out. But, I don't care. This is what you deserve for eating. carrots during during Caleb. Caleb, this is what I used to look like. Oh. Right? Isn't that the point? You got to keep it a little bit inside. You look great today. That's the point. People have said meaner stuff to me. online. People leave comments.

No, I'm not trying to say anything mean. What. To watch the financial audit post show, click the join button below.