Her Baby Daddy Destroyed Her | Financial Audit

my name is Jenna I'm 21 I'm from Yukon. Oklahoma and this is financial audit. well thanks for coming down from. Oklahoma so what do you do for a living. up there um I'm actually a server. sideway tables at a Buffalo Wild Wings. oo I love me some be dubs okay servers. depending on the area and buffalo Wilds. is honestly kind of expensive you can be. making some money what would you say you. bring in on average cuz I know a lot of. that is tip based let's think average on. a monthly B.

well the I haven't really gotten a good. consistent average because I haven't. worked there like that long how long. have you been working there it's been. like a couple months probably like two. oh yeah yeah yeah so what did you bring. in last month probably about like. $1,200 yeah no yeah I mean maybe but. total you're talking after tips and. wages yes what's the minimum wage in. Oklahoma it's 2113 an hour no no no. what's the minimum wage uh 725 725 so if.

you don't make that. after. yeah after tips then okay so. okay wow yes I mean I just you alone. started uh well I live with my dad oh. okay I live with my family right now I. just moved to Yukon cuz I from. Weatherford it's about an hour away why'. you move um well I had a couple. situations going on with uh my kid's dad.

so he showed up at my house and he. wanted in he was being on the door and. the windows and stuff and it really. freaked me out we had been broken up. we've been broken up for a year now so. like that was only a couple months ago. yeah and he has a new girlfriend and. everything and so I figured the best way. for me to be able to move on was to kind. of like get away and so I moved to Yukon. cuz my dad lives there now I know you. have two kids currently yes are they. both is as well yes they are so you.

moved away what's the custody agreement. we actually don't currently have one I. am in the process of working on it we. kind of both are I don't want to talk. too much about it because he's kind of. like keeping the kids for me right now. so you don't have them no it's really. actually it's heartbreaking it's. terrible yes that is heartbreaking I am. so sorry yeah um I've been begging to. see them and he won't let me see them. and you can cut this part the.

conversation off at any time just let us. know but like how has that conversation. and relationship gone or is this like. okay he's keeping them from you. it's our relationship has been awful um. basically ever since I've known him uh. like I said I was 18 when we met and he. was 38 he already has three kids before. me three before you yeah and he has. another one on the way with someone else. that's being born today.

oh my goodness yeah. so um really like my mental health has. been really messed up because of this. because I put everything into him you. know I was 18 when we met I'm only 21 I. had both my kids before I turned. 21 and um he's keeping them from me. right now cuz he's scared if he lets me. see them or take them that I won't bring. them back but I've never done that to. him you met him in 18 you did not meet. him younger than that no it was 18 yeah. that's a a lot of people do get like.

think it's sketchy it kind of is sketchy. I didn't meet him until I 18 but when. you do the whole like time cuz our. daughter and everything well the age Gap. I'm just thinking like grooming and. stuff like that I mean technically yes. you're 18 you're an adult stuff like. that I'm just honestly personally now. that I've been through it I see it more. and like I wish I could have like seen. it then but I see it now and it's really.

like it's been a struggle every day. like this is a it's bad so he was. banging on the okay so yeah so there's. some fear and you moved home with pop. okay. yeah uh you're far from your kids now. were you seeing them very often um. before that I had them all the time. actually I had them every day before.

this um so when we first broke up he. actually got arrested for domestic. assault and battery in presence of a. miner um against you or some against me. while I was pregnant with my son um I. was we had just found out I was pregnant. with my son and um he got arrested for. that and we broke up and. um we were broken up for a while and we. got back together for like a week we. broke up again.

and they revoked his bond cuz. he well he wanted to talk to me IID left. his house and he wanted to talk to me so. he asked me to talk to him and he didn't. want to talk to anybody like in front of. everybody inside so he asked me to talk. outside it was raining it was cold I was. pregnant I was 18 weeks pregnant at this. point so I sat in the car the door was. open no shoes on my phone was inside and. he drove off with the car door open and. I fell off on the highway what the f.

yeah it's fad wow pregnant too okay so I. mean I think okay first of all I there. is absolutely no defense not even. close yeah I know not even close when. we're going into the court situation. obviously we're probably going to hear. another side of the story just because I. I don't want to be someone who's just. like you know I am not the court yeah. but even just let's just assume just for. the sake you're the only person here. that everything you said is 100% the. truth and there was nothing else at all.

and there's no excuse for any of that. crap anyway violence not even close wow. sounds like uh you should probably have. those kids and it sounds like that's. probably the direction that it'll go but. wow that's I'm so sorry you've been. through all that. well it's so much worse that's just the. beginning this last year has been the. worst year of my life 100% wow I um. after that happened you're only 21 yeah. no it's awful I could only imagine like.

like sometimes I think there are. probably people that are double my age. that have not even been through I. haven't this this my my kid's dad has. put me through like cuz I mean after. that happened his bond got revoked and. we only had the one car he told me it. was a Christmas present before that all. happened and he left and he took it was. it in his name or yours um he never even. changed the tag into any body's name so.

then when he left I couldn't do anything. about it well I walked everywhere that. winter while I was pregnant with my. daughter okay so like it's yeah okay. again this is assuming that everything. you said is 100% true and correct and it. will be corroborated as so in the court. of law yeah I'm going to need you in. that situation then to definitely get. custody and then we're going to need you. to probably do some sort of restraining. order and then also one one point it did.

get dismissed though because the way. that it works is like oh sorry the way. that it works is like he's from Kansas. City so that's where he ran off to when. they revoked his bond well they couldn't. serve him as papers and until they serve. the papers you have to continue to go. and I didn't have a car and it was like. 20 minutes away so you have to go every. two weeks and see and so it ended up. getting lapsed over and. dismissed I didn't get a car something. that we're looking at there might be.

something we're looking at again though. if if there is violence and you know. constant communication reaching out. sorry this is not how I expected this to. kick off so you said you bring in 12200. a month last month was that was that the. number 12200 yeah but that's not normal. for me like before this I was a manager. at an Arby's and I made double that is. there an Arby's in the area um there is. and I have been asked to go over there.

it's just I've been I was feeling out. serving at Buffalo Wild Wings you know. cuz I just start well all I'm saying is. if we're building a life and then the. kids come back 1200 is going to be hard. to live off of even in a low cost of. living area that's going to be diff 13. 14 a year I've definitely been making. more lately like but it's just really. inconsistent I've been thinking about. doing something else obviously because. the area that I live in is way more.

expensive than where I'm even from sure. but what I was gonna also say is uh. child support we should probably seek. that as well again assuming everything. and anything that you've said is correct. we're only hearing from you but it. doesn't matter either way if any kind of. uh abuse or anything did happen there's. no excuse for that regardless just I. want to make that Crystal Clear um but. just assuming anything and everything. you've said is the truth yeah we we need. to do restraining order we probably need. to have uh. some uh child support and stuff like.

that cuz this is going to be hard for. you to live off of with two kids now did. you all plan on having children no. okay. well so I mean I guess that kind of. probably explains why you're in debt. right okay so we didn't have a lot of. money there's just been craziness in. life well. I I opened the credit cards originally. to like help with my credit it and then.

I got pregnant with my son and my kid's. dad didn't help at all like he. disappeared he left the state he like I. still had my daughter and he wouldn't he. didn't buy anything and like so one of. one of those credit cards the whole debt. is just to buy baby things for my son so. that he had everything he needed before. he was born and so like I'm in this. whole and I feel like I'm drowning but. it was all just to like make sure that I.

had like what they needed you know and. they always they've never gone without. like even now like my numbers are messed. up and my kids. like how were how were your uh your. parents in the. situation um they're a lot more. supportive than they used to be like. because in the beginning there was a lot. of he he say she say but then my kid's. dad he left and he quit helping and it. was very obvious like he didn't get my.

kids he didn't get my daughter anything. for Christmas Even though he was here. sounds like a complete piece of it's not. yeah he's not. great but I was like I was so like we. had created a family he being an adult I. mean what he's like 40 something right. now 41 be aing adult my goodness this. man yeah I go through it every day like.

I beat myself up because I should have. known no don't beat yourself up you you. were 18 and this dude was basically. 40 yeah I was just uh you couldn't even. drink yet so I I don't know people. always ask me what high yield savings. account do I use for my own money some. of you know by now it's Sofi I love them. it's great for my checking account needs. it's great for my high yield savings. account needs and right now I'm getting. 4.5% interest on my monies I love that. rate on my monies so if you want to get.

a great rate like that on your monies. just check out the link in the. description below I have a paid. affiliate link there you can get bonuses. all the way up to $250 and I took. advantage of that and you should too I. don't know that pisses me off so I I I. get why you went into the credit card. debt obviously your goal now is to get. out of the credit card debt and get out. of the credit card debt and like the car. you have is it paid off it is paid off I. bought it with my taxes this year oh how.

much was it it was 3500 okay that's. definitely uh very very cheap for any. kind of used car these days miles on it. and what's the car and make it has like. 167,000 miles on it and what's the car. it's a Nissan uh 2009 Nissan Sentra. okay okay so we definitely need to get. you an emergency fund we need to get you. out of the credit card debt. because I want you to have these kids. but when you have these kids kids we. need to I need to have a plan that is a.

big concern of mine because like I. always find a way to make end me like. the Court's also going to have a hard. time putting the care of kids in someone. who like can't financially support the. kids if I'm not if I'm not mistaken well. before this happened like I said like. when I lived in Weatherford I had a. really good paying job and I did pay. everything by myself like I paid all my. rent my bills I bought everything for. the kids I never asked my kids dad for. anything I still even now like even.

though he won't let me see them I still. buy everything for them I do Walmart. pickup orders and so we're definitely. going to get you we need to. yeah yeah we definitely again just. hearing your side but uh assuming. assuming everything you said is correct. we need to get you those kids and then. we need to get child support from that. piece of sh$. 1,14 Z on here.

this is an Amazon card uh $350 payment. that's that's actually that's a good $40. is the minimum so we're making progress. on that I assume not having rent is. helping yes dramatically with that very. good the car you drove down here is that. car. yes Hoy Hoy. okay $30 of interest is being stolen. from you on a monthly basis but you're. not making any purchases so I haven't. made any since I realized how bad it was.

when was that a few months ago probably. I haven't made any purchases on any of. these cards unless it was like a. reoccurring by I was to say there is one. reoccurring that comes up in another car. but not on purpose I haven't been using. them because I it's been stressing me. out think about it yeah I'm sure uh $145. of fees this year so we probably had. Miss payments and well was that during. the transitionary period or yeah well it. was because I didn't have like I was.

making sure everything else is taken. care of like my kids making sure. everything for my kids was good that. they had everything and then with moving. I didn't have anywhere to put all my kid. stuff so I to get a storage unit. and yeah and $26 of interest at a 27.4. n% interest rate on this card so yeah. it's definitely something we want toay. your credit score is. 467 actually actually actually no since. I paid some since I a lot of these it's. gone up it's 521 now it's gone up.

drastically pretty fast because I paid. quite a bit Yeah cuz you went from. essentially what is zero honestly when. it comes to well it was good when I. opened them but like you had the Mis. payments yeah it definitely got me. pretty. good those will be on your score for a. while on your credit for a while so. Discover it we have yes this is another. pretty big balance for your income. situation. $1,348. 120.

are you on are you on any government. support with this income uh I get food. stamps yeah I was going to say because. again you're making like if this. continues like $133,000 a year. essentially like that it's not last year. I think I made like 12 how you said you. had a better Arby's job well because I. did take off like quite a bit while I. was pregnant with my son yeah that was. just last year yeah so while you were. pregnant okay well not while I was. pregnant but well kind of yeah because.

there was a job transition. yeah I was working with my kids's dad. and that didn't work obviously sounds. like nothing works with that guy no we. do not he doesn't even. together $36 of Interest recruited on. this there was a reoccurring purchase. for bucks but you made a $300 minimum. monthly payment that's good I am going. to critique how you're going about this. instead of making you know decent chunks. of payments toward towards everything. across the board which is what we've.

seen so far with the two cards I want. you to attack one at a time so we can. just fully get rid of that minimum. monthly payment and fully get rid of the. interest being aced on that singular. thing and we'll get there at the end but. again I am happy that ju's clearly. awoken to this is not beneficial to us. yeah $57 minimum monthly payment with. $36 of Interest being AC Creed some. dental thing. $4 oh yeah I didn't have any other card.

and I actually got my wisdom teeth. removed and there was like a little fee. for something I can't remember and that. was the only card I had on me oh is this. four bucks yeah okay it's like a co-. payment I don't know are you on like. the uh healthc care exchanges so you. have insurance I have sooner care. Medicaid okay yeah yeah yeah okay okay. yeah that makes that makes.

sense. yeah fees this year again probably. missing payments $121 we're probably. missing a lot of payments for a bit um. and 84 bucks of Interest I can tell you. exactly I've missed two consecutive. amongst all cards four of them oh. four kill me okay I I have questions. about just the getting in especially to. the second pregnancy and stuff like that. but that's just. [Music].

this is not appropriate for my position. so I'm. just. yeah like we had an oops baby the first. time so it's like why were we not taking. precautions well time but I did want to. get on birth control but he honestly. told me he was scared of was going to. make me. fat. so been on birthday bir control before I. met him I'm just talking him he should.

just wrap it up yeah he doesn't like to. do that. obviously he has six kids in at 41 $164. of fees on this one this year so far and. $41 of Interest $7 of Interest agreed. this last month did make a good payment. and $110 is what you brought it down to. with a $40 minimum monthly payment $110. good this is see what I would have done. in hindsight is just fully made sure. this card was completely done before. paying extra on the other ones but this. one's at.

24.9% Now chime we have a credit Builder. yes now for you I mean honestly I think. what a lot of people in your position do. if you're going to use like a credit. card debit card it's like you know I. have mentioned them a million times with. a Fizz card it acts like a it acts like. a debit card but it helps build credit. this just immediately paid off like it's. a debit card essentially but it helps. build credit so that's that might be. something worth considering versus. something like this which you can the. different fees and interests and stuff.

on here that I just really don't. like a lot of AT&T stuff on here then. we're taking care of insurances and then. multiple Amazon purchases so um you're. just using this to build credit I'm. assuming oh yes I remember so I'm also. in College full-time so I had to buy. books you are. yes I a very busy girl are you how's. college being paid for I got. it all covered by financial aid what.

well hold on Via pgrs pel grats okay so. not student loans financial aid. okay basically it's cuz I'm. poor I have kids so how long have you. how how much school have you finished so. far I'm actually my first semester first. semester Community College it's a state. college but it's a very cheap one for. the area okay okay well I mean it's. being paid for so I mean I don't care.

but. uh what what are you trying to study I'm. looking into business management lovely. fantastic fully fully supportive I great. for my age I have like um after my. daughter was born when she was 2 months. old I started managing at a Burger King. so I was 19 I had a two-month-old and I. was the shift man I was the shift. manager and after a couple months of. shift manager I became an assistant and. I did that for a year so I really like.

enjoyed doing that and supervising and. doing the paperwork side of things so I. figured go but do you not like working. at the fast food places I actually have. gotten to the point where I don't mind. it that much like for a while I used to. hate it and dread it but now I honestly. don't mind going I'm curious why not. just work that job then I understand. wanting to get a degree but if you're. already getting those jobs and making. living off of it why not just like go.

down thatth ESS taking the next years. well because they're not necessarily. like the greatest paying jobs like as a. business management I would want to do. more like in like a bigger company sure. it also depends where cuz we've had fast. food managers on the show Making 60. $80,000 a year well in my current like. when I was a shift manager at Arby's. like the most I've made as a manager so. far in my area was 1250. it was a smaller lower income area.

though right it was a college town it. was a little bit more expensive for the. area but still extremely cheap compared. to like definitely here yeah and then we. just Job Shop in those situations as. well when you build up the resume but no. I'm totally for this college and it's. paid for it's good uh just trying to see. what you're trying to do and what you. like to do so there's no balance on that. right on what on that uh chime oh no. like so the way that so you have three. deaths yeah so the way that the the.

chime one works is like it goes straight. out of your account like a but you have. three deaths though correct Amazon. Discover it and then the destiny card. there's one more okay I don't have that. what is it it's a Victoria Secret. card now we didn't take that one out to. survive no we did not we took that one. out to make ourselves feel. better not against I'm not against.

trying to feel better um not against. that against going into Deb for it. though because now you're trying to clam. out of it what's owed on that what's the. balance time um like. 248 two uh okay $248 yes minimum monthly. payment. 40 yeah okay now this is a cash app. you're using it kind of like a checken. account um spending account well so the. way that I used to do it at Arby's and I. kind of have it set up at Buffalo is I.

have like a percentage to my cash app. especially since my kids dad has my kids. like I just like for to automatically be. on there I send him money for the things. he needs for my kids okay so I do 15% on. my cash app but as a server that doesn't. really work because I don't make. anything in my regular. checks but before when I was making real. checks it was a bigger chunk well okay. so there's 70 cents in here what are all. these J Jiffy trips be honest because. these are like $413 you can 100% tell on.

my end if we're doing a cheap gas fill. up or we're going in we're around with. some toito I'm not going to lie it's. probably a mixture of both okay so. Taquito Taquito Taquito some drivethru. Taquito pie. shop. uh some kco kico kico AR the kico is an. oil change and stuff. so you did it twice well I got an oil.

change and I got a Red. Bull. honestly okay pie shop Bram store on Q. some drive-thru McDonald's by the way. where you worked was like places with. drive-throughs you shouldn't give them. money they should give you money en Q. McDonald's what's on Q Amazon what's on. gas station oh you're tequito like crazy. no I really I it's not that bad I don't. feel like but maybe it really is I mean.

I'm I'm naming them off and Taquito and. McDonald's and taquitos how many. taquitos did I name that month so okay. like flat out I sympathize with your. situation 100% but because I care about. you because I care about your kids. because I want you guys to have an. amazing future when we're trying to get. out of credit card Deb and we're making. $1,200 a month we are not going to Makey. we are not getting toos we're not. getting a Red Bull when we're getting an. oil change we're not fing around we're.

just not doing it cuz your future. matters your future matters your kids. Futures matter we're not around right. now yes I am I know I've been trying to. figure out how to get myself out it's so. it's been so chaotic like everything in. my life we are not going to use excuses. to F around we're not chaos is chaos and. Chaos sucks it does but your future. matters I mean and it just is as simple. as that and we're choosing your future.

over even in the midst of a storm yeah I. feel like a lot of the reason that I do. the Mindless spending is because like. I'm trying to make myself feel better. cuz my situation is really not great no. absolutely again and like I said I. sympathize with it like truly but. because I care about your future it's. just like what we need to find are. better better coping mechanisms now on. the Medicaid and everything do you have.

therapy um I've been looking into. therapy I actually we're no longer. looking into it we're doing it well I. did I have started the appointment um I. know they for or they um diagnosed me. with PTSD from my relationship with my. kids Dad yeah I bet yeah um but since I. moved they they were transferring me to. a different facility so it takes a. little bit of a process haven't heard. from them yet so in all the Just sh.

chaos and storm and history and all that. crap through that we worked with the. therapist to find better coping. mechanisms and things like that instead. of digging yourself deeper in a hole or. preventing you from coming out of the. hole as quick as you could be which will. take a big stressor off of you so yes I. think as far anyone in never going to do. therapy regardless of their mental. health situation but as far as someone. who is like primed for it yes we need to. make sure that you get the mental health. that you need to get through the. situation and then get out of it and. have an overall improved life so.

definitely take advantage of that and. figure find a therapist that works best. for you fits in the plans that you have. you know you might have to do a couple. therapists to figure out the one that. fits for you some people try one doesn't. work and then they stop that's not how. it operates you got to find the right. one for you yeah so definitely. definitely do that that is going to be a. major prescription for you from me. therapy chime this is a checking account. but we ended with negative Nega. $45.

yeah I'm sorry I get that I get that. it's making you feel better but we're. not doing we're not I get that I get. that and I'll say again that I. sympathize with it but we are not. choosing a Red Bull at an oil change. over actually having a positive balance. in our checking account we're not. choosing that. yeah so Amazon the Bram store yeah ta. kidos and now Dave I haven't seen Dave.

in a long time Dave is like a if I'm not. mistaken isn't it like a cash advance. yeah okay we can I'm sorry we just that. is I haven't done one in a long time it. kind of just caught up to me well it. kind of just caught up to me from a. while ago yeah we we can't take. advantage of that because in general. you're not taking advantage of it. they're very much taking advantage of. you that's how that works okay so that's. is I I I get it in the situation and. wanting and you know it it's that extra.

thing but especially when money is going. out that we shouldn't do like in total. with the taquitos and eating owl it was. 11% of your overall. spending. so when it comes to that and getting our. getting some advances our money you. didn't have to if we weren't doing the. ground spending. an extra unknown shopping like Amazon.

and stuff we don't we don't know what. that went to but that's like an extra. 3.2%. so the extra spending and I get why it's. a cope why so we get it but just looking. forward we're not borrowing from Dave to. do that more we're just not. McDonald's taquitos from Walmart because. it's only $2.7 certainly not a necessity. probably. Dave again spot me.

tip I don't know I don't know um well. like is that like a okay so if they spot. you money like who um. chime. okay so if ch's spotting you money and. there's this extra fees with it just. stuff we're not using it use something. like the Fizz card my dude I get wanting. to have good credit but you are not. taking Spotify I see you're on the.

student plan even still $5.99 your. income anything that if we can stop. anything we can listen to ads it's okay. that's not going to be a bank breaker. it's just the overall discipline and. everything around it we're changing our. habits and we're not we're not we're not. around anymore so that's all your. accounts is there more no that's it. actually yeah those two spending. accounts not much money came in this is. not. survivable yeah.

I you're going to school full-time yes. good what I might need to do and this is. going to be hard how how much you can. when you get the children back which you. should if again everything we said was. correct how much help is your dad going. to be to lean. on well they actually just had a. baby myad dad and his everyone is just. popping out little yeah so their son is.

my brother their son is actually 6 weeks. younger than my son oh are they well. since they're already in the situation. with an infant are they going to be able. to help with yours um I don't know. honestly like I planned on moving out on. my own eventually like in my own place. yeah I'll tell you're out of De yeah. okay so this was my thought so and then. I'll uh then tell me if it's possible. it's like okay we're going to school.

during the day we're doing a little bit. of homework after that but what we're. doing kind of in Into the Night a little. we're going to make sure you can sleep. and be healthy but into the night a. little maybe picking up an assistant. manager position at a place so we can. bring in more money I have thought about. getting a second job but when you're. working who's going to take care of the. kids will your dad that. is the concern right now for me okay we. need to have that conversation has that. conversation been had well they have DHS.

assisted daycare but how is that well. it's it's good but their dad hasn't been. taking them because he doesn't want me. to pick them up but once you're in oh my. gosh are they just like. being that sounds. like I do they go outside is this a safe. situation uh well obviously from the. history it sounds like probably not but. like they're not just being locked. inside are they well they do they do get.

out it's just like he he won't take them. to daycare because he knows I can pick. them up and he's scared if I pick them. up I won't bring them back and you. wouldn't and you. shouldn't it's been bad though like I. mean just the other day he pushed me off. the steps at his house and took the kids. for me dude if for some reason you're. watching this you you're a piece of. and I really don't like you I I don't. really hate people that's not really an. emotion I feel but I really don't like. this guy I really don't I mean I was. like 3 months pregnant with our son when. I found out he had another baby on the.

way and he lied to me the whole time and. said it he was like it wasn't his kid. he's a 40 something year old little. baby oh that girl she's 22 no he he's a. 40-year-old child yeah well we're she's. 22 I'm 21 he's 41 so he's got a type us. young I want to take a brief moment to. thank today's video sponsor Aura are you. sick and tired just like me and everyone. else honestly of receiving endless spam. calls every day I mean look at this let.

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Aura for sponsoring this episode I mean. I don't know I mean 18 that's certainly. where it gets a little sketchy because. this is like on that cusp and you know. there can definitely be lots of. manipulation and stuff like that I think. there definitely definitely. was um I don't like to like make it a. big deal and I really don't talk about. my situation a lot. like to people but. like. I have never been more measurable than. when I am with my baby daddy I oh I.

don't want you to ever see him again. other than across the room in a cour. house I. he like makes my life he makes me hate. my life and like the nicest way possible. like and I try to be nice to him and not. like I really do try to be civil but. like the things that he's been doing the. past nine months it's hard to be like. me and his like me and the other girl. have been in fist fights like my gosh.

well don't do that don't go to violence. oh no she hit me. first either way I don't want to see you. land up in jail this is not not going to. be good for kids it's not a good it's. not good and that's what I'm saying like. I. just like I want to run away almost but. I have to have my kids I can't just run. away and I can't just like block him. because like he has my kids I know well. we'll get there again well we need to. get there that's that's a part of the. conversation that I mean that just needs.

to happen in the legal Avenues and I. hope you're pursuing that. um so behavioral the Red Rock Behavioral. Health is that like a therapy copay. situation three yeah it's a copay for. when I went to go see about um. medications for mental health yeah okay. so like a. psychiatrist um it's like. a it's it's like a place that helps with. all that kind of stuff so they do. psychiatrist therapy drug like if you.

had drug problems all that kind of stuff. it's like a whole mental health no it's. like a whole mental health place if that. makes sense they they specialize in. mental health that like helps serve the. community yes. okay uh yeah so yeah actually with the. unknown shopping so with the taquitos. and everything now that we know what. some of these places are and then. include Dave it's like 20 almost 20 25%. your spending was is bull doesn't need. to happen not when we're borrowing from.

Dave okay. so phone AT&T 75 bucks 75 so that's your. phone bill yeah yes okay building out. your budget you don't pay anything to. your dad to live there no good cuz. there's no money to be. given car insurance basically car. payment it's pretty. yikes yeah my driver's license has been.

suspended twice for driving without. insurance because I'm. poor and gas we only saw 63. bucks but we also don't know again some. of those are Taquito some were gas I. don't know what do you think you spend. on gas on a monthly basis um probably. about like. $150. okay how much do you send how much do. you need to send to the kids I guess.

mean you said you did that but how much. do you honestly it really depends on. what he needs for them this. man yeah usually I got better about not. just sending him money usually now I do. Walmart pickup orders cuz good cuz you. never know what he's spending it on yeah. that way I know that he's getting. exactly what the kids need and nothing. else like I even do it for groceries and. stuff like I buy their food and stuff. too how does groceries for you work at. home well I get food stamps so I get.

does it fully cover everything I get. $375 a month good so I'm actually not. going to put food budget in your thing. well except for the kids okay so yeah I. use I really use about 100 to $200 well. like $150 to $200 on my kids and then. for yourself for myself is the rest do. you spend any cash on it. um for their food for your food for my. food yeah that's why there's so much.

eating out going on okay I'll give you. an additional 100 bucks I think that's. how the math Works 150 let's call it. additional 150 for. groceries toilet paper extra extra stuff. for the kids as well stuff like this. just what you need to survive extra for. the household because the kids are going. to put it up to 200 you're going to have. to adjust this obviously once you get. full custody and everything but more. should come in cuz he needs to provide. as well he needs to and we're going to.

make sure that is legally binding via. the court o o oi. okay utilities internet not a thing. okay do you know what copay might be. once you start receiving therapy or is. it fully covered through Medicaid. um I want to say it's fully covered for. the therapy part the only part that they. more make you pay for is if you you meet. with the psychiatrist which is what that. was cuz they how they go um they said.

they didn't want to prescribe me. anything because I'm adjusting to my. life and they're worried that what I'm. going through is just a Trauma from my. breakup not anything else I can. appreciate the perspective you know not. just wanting to get someone on. medication immediately through you know. all like what could be a life-change. thing yeah well I mean so I tried to. like talk to them about maybe like. seeing because they just they diagnosed.

me with PTSD which is definitely new. that's something that wasn't a thing. that I had before but I was diagnosed. with depression and anxiety when I was. in high school and so like this has been. a pattern you know maybe we just get a. second opinion that's what my mom was. wanting me to do because they all are. concerned with my spending habits and my. um just the way I care of yourself that. I have bipolar disorder yeah so that's.

what I try to talk were you diagnosed. with bipolar well when I was younger. they thought that that's what it was but. because like when you're that age they. don't want to diagnose you with. something like that I want you to use. your health insurance and go see a. doctor as well yeah I have to get a. doctor go see a psychiatrist doctor yeah. so well take let's take some uh personal. responsibility aspect of this is you get. this stuff scheduled yes so get some. stuff scheduled will take advantage of. uh the program you're on anything else.

you need on a monthly basis phone bill. car insurance gas food and then just the. extra tool paper whatever else is. needed anything else that is automatic. coming out I don't think so as well from. you okay so again the situation is going. to change when you get full custody but. hopefully the income situation through. child support will also. change do the grants not pay for the. books um they did it's just there was. some other books that weren't like.

connected through the class that I had. to buy okay that just weren't. automatically taken from my financial. aid that's why I paid on a separate. account I need you to start budgeting. and start going aggressive with it maybe. this is your budget maybe it's not it's. hard to say in the situation even still. with 1,200 bucks a month you have an. extra 350 bucks left you could have over. on a monthly basis but I think the. income is going to change it's going to. increase it's going to increase with. this job because you're going to get. better at it.

and we need you to get a better job in. general which we know you can do because. you have the history and you have the. resume for it you work with a Resume. Builder online as well and just I do. have a resume like I I have a pretty. good one put it through an algorithm. though and make sure it gets reviewed. and everything like that it can it can. call out things that don't look good on. a resume and it can offer improvements. that'll push you over the edge for a. better job either way what I would do. cuz you live at home there's.

less you have a bit of a safety net I'm. going to we immediately pay off the. destiny card and then we pay off the. victory card after that that should be. done within two months now the other two. cards I would attack the Amazon card the. hardest you could probably tackle that. in this income situation in about four. months and then you can tackle the. discovered card in about 5 months so we. can do we can eliminate the bad debt in. a year is a year is with your current. income situation but I think you could. get honestly get that down to 6 months.

with just a boost of 350 bucks a month. just a boost to 350 bucks a month could. cut that in half I think you could do it. even quicker than that but what I need. you to do immediately after attacking. them in that order and working as much. as you can to pay them off as much as. you. can $10,000 minimum I need you to put. aside an emergency fund so for medical. things kid medical things for yourself. you never know what's going to happen. what's not covered to things like. that car breaks down which would not be. a surprise and doesn't make sense to put.

money into it then we go get ourselves. $5 to $10,000 car that we're taking to a. mechanic getting the seal appr approval. that is going to get you kid you and. your kids around. safely now this legal stuff there's. legal expenses as well potentially that. are coming into this not 100% sure you. know let's cash flow that the best we. can I would rather you put minimum your. kids come first put minimum monthly. payment. towards the debts then the extra money. that we have put them towards the legal.

things is necessary but then once that's. resolved or you don't have to pay for. something on a monthly basis then put it. towards the debt put it towards saving. up a fully funded emergency fund yeah I. see you paying if you go get a better. job which I know you can do and you know. you can. do you can pay off the debt at least in. six months and I think you'd have a. fully funded emergency fund in a year. from then so a year and a half let's. call you out of bad debt and a fully F. an emergency fund in your life has. changed yeah it would be nice it would.

be nice but I have been struggling since. my kids have been born let's say it will. be nice though not it would be it will. be because it's it's right in front of. you it's you can go do this what I need. you to do through that situation is. aggressively budget make sure you're. pursuing the legal Avenues to make sure. you're uh you get child support and you. get full custody but I also need you to. take care of your mental health. throughout this whole point because it. could collapse on itself if you're not. if you fall into a depressive state or. bipolar you know wherever it might be I. don't want you to fall back into Old.

Tendencies because mental health is not. taken care of yeah so that's what I. would do and then something you should. start considering when you're 22. 23 it'll still be in college but that's. paid. for start contributing 20% after that. $10,000 in the emergency fund 20% on. monthly basis towards retirement Roth. IRA and you can put it into if there's a. work sponsored 401K as well but let's. max out that Roth IRA every year and. let's do minimum 20% that included on a.

monthly basis into retirement because. even on a lower income but even just on. a let's just say you're a fast food. manager forever let's say you made. 50,000 bucks I could get you to being. technically and officially a millionaire. by. retirement at your age if we're putting. 20% aside so we can get there yeah we. can get to the place where. you're better off than your parents ever. were you're better off than that piece. of dude ever will be and you have an.

amazing life built up for you and your. kids you could cash flow their their. their college if you want to. eventually so I mean there's a lot of. avenues here but those are the basic. steps that need you to follow for the. next year and a. halfish and then start getting on that. retirement and pursue the legal Avenues. and take care of your mental health. through that whole situation as. well yeah it is nice seeing like. because after my son was born I got very.

depressed and I kind of let it all go. obviously um it got really low like just. to the point. where I honestly didn't like even want. to go outside for like months yeah I bet. and so when I finally like woke up and. kind of like realized like I needed to. do something was kind of like all our. stuff is already late and.

sure well that's in the past yeah that's. in the past and if you realize you're in. a mental health crisis make sure you. take advantage of the resources that. exist out there but that's in the past. we're not going to judge you for the. past everything is as it is right now. what matters is what you're doing now. and what you're going to do going. forward so if you follow what I laid out. here you're going to have a successful. life financially speaking there's other. things that have to be dealt with. outside of the finance an es but. financially speaking you can have a. successful life if you just follow this.

plan you have any final questions any. final thoughts um I mean it's good to. feel like I'm GNA have a plan cuz I mean. it's been like it's been hard for me to. really make a plan honestly cuz I didn't. know where to start I mean obviously was. 18 when I had my kids I barely knew how. to take care of myself well we're going. to support you along the way it's not a. recording episode and off type situation. so so any questions any help any. resources anything we can provide along.

the way reach out to us we're here we. have eyes on all the emails so reach out. to us we will help and point you in the. right direction and answer the questions. that we uh that we best can and then. keep us updated on your situation as. well I'd love to have you on in like a. year year and a half and see you just. have a completely turned around life and. we can all celebrate I would love to I. hope you will love to yes we're going to. going to do it someday and I'm going to. be in a better.

place I'm sure of it I'm sure of it too. obviously a very difficult situation all. around when it comes to her finances. though H her financial score spending in. a budget I'm going to say two out of 10. it's really not good when 25% is going. to so 2 out of 10 debt no. collections no IRS debt but it's still. really bad for her income so 2 out of 10. emergency fund there's nothing 0 out of. 10 uh retirement there's nothing 0 out. of 10 real estate there's nothing zero. out of 10 it's going to be a 1 out of 10. Hammer Financial score for now come back.

in a year and a half let's see what it. is make sure to check out all the. resources Linked In the description. below they are what I use or would use. in specific situations if you want to be. in an episode of financial audit and. you're able to make it down to Austin. Texas fill out the survey in the. description below.