I've Never Had An Update Like This | Financial Audit

y'all it is the end of the year here at. Financial audit and we've recorded a lot. of episodes so here with the last upload. of 2024 I want to see where some of them. are we're going to jump into some of the. craziest some of the wildest some of the. saddest some of the most exciting. episodes that we filmed this year and. then we're going to tell you where they. are in life today so without further Ado. let's jump into 2024 Financial audit up.

updates uh my name is Trenton I'm from. Minnesota I'm 22 years old and this is. financial. audit um yeah anyways but I turned $5. into 200 at a blackjack table and then. ever since then I've just kind of always. wanted to keep trying to repeat that um. experience you're into debt for the. gambling I don't know you know I I like. playing Blackjack I'll play it I'll. gamble on any anything anywhere I mean. if I think I can make money I'll bet.

money towards. it okay. and how. often um lately uh it's been like maybe. once every other week for like big time. gambling trips where I'm going to be. where I'm going to be spending you know. a couple hundred dollars to you know a. couple thousand. dollar but a lot of times I'll thousand. every other week so like 4,000 bucks a. month I me I don't always lose you know. sometimes you win okay so it's not not.

about sometimes I win sometimes I lose. net you've lost so you've lost I never. claimed to be a good Gambler you. purchased. $1,533 that's crazy that's an insane. number you know why that's extra insane. because here's your credit limit now. because they lowered your credit limit. because you don't know how to manage. [Music]. this would you like to join me in this. conversation um what was the purchase.

for you don't even know what you. purchased then why the are you doing. it um I don't know I'm just trying to. like cuz I don't have money on my other. cards so what am I what am I supposed to. do am I supposed not go out to eat what. are you talking about if you do not have. money you do not go to Mickey D's I. don't know where you went but we'll look. at that in a second does that not make. sense how does that not make sense I. mean it does but like I. just I don't know I I just I I don't.

like to just sit in home do nothing it's. it's just super hard for me I don't know. Park both of us could use a few more. miles of walking a day yeah I like I go. out and do things but there you go. Mission solved problem solved mission. accomplished oh you know $300 for car. insurance that's actually kind of an. expensive car insurance almost as much. as you run but you know we still have. thousands of dollars to play with oh you. know I just financed. $2,825 a month for season tickets of a.

game that doesn't start until late. fall what the now that's a bill you're. right and that's a stupid bill for your. situation what is happening here there's. no refunding this is there uh. no. me can you sell these now just so you. know you at least Break Even this is so. risky for your position listen it's a. hustle I do get what you're saying I'm. not saying say you're going to.

completely fail from that specifically. of the Hustle but in your situation you. can't pay for this right now I you've. you you've put yourself in one of the. most risky situations I've ever seen for. [Music]. purchases making small progress on my. debt Timberwolf season tickets are. starting to make money now that the. season is started currently applying for. new jobs should have credit cards paid. off by June happy to hear that the.

credit cards are looking to be paid off. by June still a little nervous with. those tickets that you're trying to sell. that unne it's still an unnecessary risk. and it was just very expensive it's a. lot of money for someone in your. position and with everything that you're. doing and the complications around the. relationships in your life I would still. just try to simplify things and that's. what I wanted to do when we walked out. of your financial audit and that's what. I was hoping to see I'm glad a little. progress is being made I hope you land. and a job that you like and that you.

prefer but um yeah come Midsummer I want. to see you back in this chair and I want. to see progress being made and simplify. things man simplify hi my name is Sarah. and I'm 22 hi my name is Joe and I'm 25. we are based out of love of Texas and. this is financial audit you have no. money you don't get to be a car person. somebody to light a fire under his to. help me with the finances and the. spending and.

it doesn't matter you guys aren't going. to be together in 3 months what what. what does it matter what he's doing. again me being emotional I don't like. seeing the bad Deb so I kind of just. ignore it again I don't like being. called out on my being yelled at well. isn't it isn't it important to be called. out on your if you're just towi around. your I'm learning that but yeah okay we. get it you're not something you've told. me 20 million times we know have you. just been cuddled your entire life I'm. curious yeah cuz I was homeschooled with. my mom and my sister 24/7 yeah that.

caused a lot of problems in our. relationship I'm slowly learning that. but it still all the time and it's. always met with defensiveness and. excuses and yeah I I'm emotional I'm. dramatic but I don't like being called. out iuto spite for others you're. destroying your life you're spiting your. future I mean honestly everybody to me. sometimes but I have those moods so I. get like that but then I also realize. that it's bad to have that thought to. have that kind of mindset yeah over here. your life because others called you out.

for your life is being an immature child. he bought a used car with my savings and. some money from his dad and the money. from the in that we got from the. insurance it broke down 6 months after. he bought it so we just used all of our. savings so that was the only reason why. I really got it which I kind of was. against appease his parents he got it to. make them happy I did yeah okay I did do. to appease my parents just so that they. would stop yelling at him again I don't. like drama she basically almost threw. the box at me too cuz she was pissed do. you think she doesn't love you I'm an.

emotional wreck whenever I was an. emotional wreck at the time I I don't. even remember what started that he was. just basically proba something with my. mom why you love me I'm a mess and I was. like it had to probably do something. with my mom cuz my mom was always on my. ass about [ __ ] and just like complaining. if I didn't do this this way and I would. always just feel like oh I have to make. her happy and it was back to his mother. it was an. issue I don't know why you say it like. that cuz it's he makes it sound that way. hate my mom in a certain way I've never.

hated as many people as you guys. hate I got divorced went to a lot of. therapy found a new boyfriend and now. I'm living with him my dad is helping me. with my YNAB account and I'm slowly. getting out of debt and I have the most. money in my checking account that I've. had in years sorry to hear about the. divorce or uh or happy depending on how. that went but I just want to be a little. C careful moving with a new boyfriend so.

quickly you know maybe we take some. things slow yeah I'm happy to hear. you're starting to build a budget I. think it's a little delayed a little. long um but hopefully that starts to. work honestly stick to that budget. hopefully don't rush this relationship. and I want to see you back on okay hi. I'm Aubrey I'm 27 I'm from Johnson City. Tennessee and this is the financial. audit oh my gosh I you are you can't. though just your presentation and you as.

a person just like e I'm. sorry no but I I have this thing where I. can't filter myself very well get me in. trouble but like uh you're you're. uh I would not have liked you in high. school okay I'm a nice person okay I am. you seem Pleasant you just seem. uh go ahead okay say what are you g to. say what you going to say say your. things.

all right so yeah I was working there. excited to be on but shut like take this. seriously okay what do you mean are you. here for clout no I'm not here for it's. pretty much impossible cuz you're using. a fake name and you have nothing to push. anyway so but like people are going to. they're like they're going to be like. have real people on if you exist in the. real world dude these are the real. people I yeah work for your dad that's. great yeah but right now you're not. working on making any money and again. okay let me start going through this I'm. just not going to pay on anymore cuz.

what's the point I'm already screwed. what the you talking about no no no no. no no no you pay you make progress you. get out of it and then you're not. screwed what do you mean but I where I. live paycheck to paycheck it's so hard. you don't have a paycheck what paycheck. are you paycheck to paycheck with you. don't have a paycheck you don't make. money for now I don't but have paycheck. to paycheck you're around to around. you're friend to. friend paycheck to paycheck how would. you actually make a paycheck and I'll be. proud.

oh I am irritated I am irritated oh okay. oh let's try to not go gosh it just. seems so easy to put a TV on and an. Apple Watch yeah now I had this. ex-boyfriend and I didn't have any money. to get him anything for Christmas and so. I just got him Apple watch and I put it. on credit. card yeah what are we doing what credit. perhaps are you trying to take advantage. of in your.

life but but but but but I've never. heard of a. newed I've never heard a new deck called. but cut up the cards right now and prove. it if you're willing. to I'm not going to pressure you into. doing I want it to be your action so are. you going to okay yes I will cut them up. cuz I do bring scissors to you right now. okay bring I don't even know what cards. I have with me well go ahead and check a. this literally hurts way worse than any. any of the other ones but even if it is.

blurred to protect their identity it is. a credit card boom there we go okay. there I did. it I've now Consolidated and closed all. of my cards with the help of JG. Wentworth and I'm working really hard to. cut down my impulsive spending and save. as much as possible my bills are now. lower than they've ever been in years. and I feel so much weight lifted still a. long ways to go but I have hope I've. decided I want to pursue an online.

career so that I may still be able to. travel without having to sacrifice a. paycheck as for now I'm back at Veil. working ski valet where the pay is. decent but the tips are great all the. tip money I'm making is being tucked. away so that I can make a lumpsum. payment to JG wenworth leaving out some. however in case of an emergency all is. well here hope everyone is doing great. there JG. Wentworth I didn't know people actually. use that Aubrey what.

okay um there are good consolidations. there are bad consolidations I didn't. think they would be the people to be. trustworthy but honestly I have not. looked into them just make sure you're. doing this very safe again the main. concern this is what I see a lot of. people do on the show and this is not. what I want to see happen to you you. consolidate without changing the. behavior and you had a lot of Behavioral. issues trust me you're a very pleasant. player person Everyone likes you. Everyone likes you here I think everyone. in the audience likes you please please. please make sure you are us using the.

educational resources we have given you. that you are following a budget that you. are cutting back on spending and you are. changing Behavior you're already in the. consolidation process I haven't re I. wouldn't have recommended it until I saw. that behavioral. change okay yeah when you come back. on my fear is that you're just going to. build up all those debts again the the. Online Career yeah okay I know you're a. big Traveler and I know the ski season.

we're in it right now so income's. probably looking good there just a. little nervous during the summer months. curious to see how much is in that. emergency fund. savings there's a lot of risk involved. here just don't build up those credit. cards I'm glad well I'm glad you Clos. the credit cards you you said you Clos. the credit cards just don't open new. credit cards well when when we're. talking closing I hope that means you. actually closed the accounts and you. didn't just chop them up we'll have to. see we'll have to see I wish you the. best of luck of course hello my name is. is be me I am 29 from Austin Texas and.

this is financial. audit I don't know it was a it was a. couple years ago that I inherited. $60,000 and blw in 3 months what the I. think that my. childlike. Fantastical beliefs in the future. beliefs in the future compared what are. you talking tied with what the did I. just walk into what are you talking. about I didn't open the RV either.

um huh like the hood we should have. checked under the hood when we did it. was just covered in trash what the RV. yeah um you still have the RV no we left. it in some random parking lot and got. out of there and like the desert of. California you're doing this like a. hobby just having fun traveling around. you don't have any savings to your name. and you have debt that's not how we do. this and that's why a lot of people fail. because they have to get back to reality. quicker cuz you don't set yourself up.

for success I know you want to rush into. this it makes sense it's a want you want. this m i want it for you too give. yourself the best shot to get there. right I know I'm being a dick but I do. want you to succeed right I don't get me. wrong I'm not going to not challenge. your worldview cuz your world view is. idiotic but you know it's not out of. hating you yeah. [Music].

been so. been so.

searching ain't been. [Music]. learning oh ain't been. [Music]. learning mov to Maryland from Texas. worked a couple of jobs for a few months. recently moved to New York sold my car. made a lot of new friends released a few. new songs working on writing a book and. a few other projects getting work did. some interviews and other podcast. financially I'm almost out of the hole I.

covered all my bills and most of my dues. covering the last of my debt within the. next few months in building my income up. in October I got a stable place to stay. with a bathroom and a kitchen for the. first time in 3 and 1/2 years and. everything has been incredible since. then I'm happy to hear uh that after the. move you've made a lot of new friends. you know sometimes in adulthood moving. to a new place without college or. anything like that can be hard to make. new friends but hopefully that making. new friends isn't meaning going out and. spending all that money but again we all.

liked you just like we pretty I pretty. much like everyone there's only a few. people that I'm like don't really like. that person we all liked you my main. thing I I I'm happy to hear that you're. almost out of the hole but the fact is. you're in a relatively easy blessed. situation compared to a lot of people. and I think you could be out of it. quicker I just need you to stick to it. and I need you to really grind and just. be a little more mature about the whole. process I know you want to do a lot of. these passion projects and I I I support. that but we have have to be doing that. ww workking and actually hitting our.

financial safety goals cuz we don't live. in a society where it's just like you. can do passions and you're entitled to. do the passions without having to worry. about other things whether or not we. like that that is what the sit that that. is the society we're in and I want to. help you navigate the reality of that um. so you know continue pursuing those on. the side but let's make sure that we're. very strong in our income side we're not. blowing all the money with the new. friends and that we're still on track to. hit the goals I need to see you have a. good chunky emergency fund for the kind. of Lifestyle you live hi this is Ariana. 31 from Corp Christy Texas and this is.

financial audit that's going to. legitimately piss me off it's not a joke. this is a joke we can heha heha a couple. times but this isn't a joke of a. conversation this is like your actual. life that this is right now for sure but. there's in stuff in there that'll. probably piss you off more so you might. want to wait on. it so I don't think you can go inside. supermarkets supermarkets is your. weakness you go you go in to Gizzy town.

every time you walk out of Sam's and. then you work at HB and you can't stop. and just get what what are you getting. what are you getting okay my regular is. and this is I only do it when I have a. shift um so it's literally and we know. you barely have those so yeah so it's. always the same thing embarrassingly. enough it's like the price is different. every time so that's confusing but go. ahead well usually but what I really. like literally every single time in the. statement the price is is different so. well some of those are actual groceries.

like milk and bread so but what I always. usually get is the like sushi I mean. basically. Sushi all that buildup to say you got. Sushi yeah but I don't like any just I. like the little rolls with like lettuce. and cucumbers and stuff. lettuce I don't know what is in a sushi. roll you work less shifts than you're. getting in Spring Rolls by the way so. you're getting multiple spring rolls per. shift. ATM draw $20 who knows where that went.

spring roll spring. roll Hair Design there it is great the. post theor spring roll moon pig spring. roll spring. roll getting some tea Winer. snitchel. McDonald's yeah oh we did our hair again. twice first time it wasn't good enough I. get my hair done about once a week what. the Yeah Clara is that even close to. normal okay okay as as not a woman I.

needed to confirm what the what the. naturally really dark black hair. congratulations and because right now. I'm platinum blonde sure until you. literally just stop being platinum. blonde yeah cool um you know I I want. you to be able to do what you want for. your looks uh you literally aren't. paying your bills and you owe your M. money and your situation make $20,000 a. year I don't give a your hair color is. let's just be honest but you can't. budget that in. now when you don't have money oh my oh.

my I hope you're with me you're not I. know you're not well this is insane yeah. this is insane 6 to 12 weeks is like the. recommended average. haircut yeah but again I'm dying it go. bald dude just go. [Music]. bald gained full-time employment as a. probation officer got a side hustle as a. pet sitter stayed working at the grocery. store still in school for court. reporting I love to hear about that.

increase in income and the and the. full-time job in the side house so. things are good and I know listen I got. a little bit. of uh for making fun of the court. reporting talking about AI I I I like to. play Devil's Advocate and everything. that is that is one of my one of my. curses one of my flaws as a human I. think you'll have a good long career in. that and I know it's a it's a good. career path there I'm just you I like to. just put out their thoughts of like oh.

what if what if what if you know and. just make sure we're navigating things. in a protective way setting yourself up. for success but I think you're going to. be going down the right path I I would. have loved to hear how finances are. looking but I am happy to hear about. your income situation hi my name is. Natalie I'm 33 years old I'm from. Chicago Illinois and this is financial. audit so you were get you had a job it. wasn't it wasn't really like I was doing. online work and that wasn't really a.

actual titty Money yeah um oh how much. were we making not enough maybe 600. every month or so what is on is that. like cam girl stuff is that what we're. talking yeah why is almost half of our. money going into this uh under the. mattress because I need a car how how. much is no you're in Chicago one you. actually don't you're in one of the only. cities where you don't like may as well. take advantage of that I like out of. three cities in the United States that. you don't need a car you're in it my uh.

what do you call it boyfriend how do you. feel about your girlfriend getting paid. by the ex husband no I'm trying to help. her with that stuff trying to help you. with that stuff I don't know what that. means cuz obviously it's not Mak it's. there's no help. being so take him off he wants to be off. yeah yeah take him off if you know it. then what are we. doing why would you do that to. yourself do you want your kids back. do you want to have a future with Mr Man.

over there do you want to move out of. your brother's house do you want to not. be dependent on people you say yeah your. actions don't say yeah yeah no no it's. just really bad impulse control I. haven't been able to figure out yet we. can do things in a proper way you're not. no just teaming. around get him off the card yeah I might. give him a call let's we are gonna call.

him call him call him I want him off the. cart I want him off the cart. now I think it's time for Miss. 33-year-old to act 33. Old you know extra damage I have my hold. on hello how you. doing good how are you good my name's. Caleb Hammer I am talking to your. ex-wife about her finances uh can you. please stop pain the Capital One Quicks. card sure okay thank you because uh she.

needs to actually take some. responsibility for the first time in her. life all right all right love you buddy. have a good day you too. [Music]. byee I've paid off all my credit card. debt which wasn't much started paying my. brother back and I'm slowly starting an. emergency fund I've deleted apps like. GrubHub and teu and have been meal. prepping things are looking good so far. all that credit card pay it off let's.

fing go that's an end of a year win. right there good job I'm happy to hear. you're slowly paying your brother back. and building up that emergency fund I. would prefer that emergency fund first. because you know if something emergency. were to happen that means it would go. back on the credit card maybe you'd. borrow money from family again so if. you're able to communicate with your. brother like hey I'm just trying to make. sure we get a little safety position. here I'm not just blowing my money on. fun maybe you provide some proof on that. rather you get to that emergency fund. first but I I love the heart of it and. paying back your brother cuz that is. good for relationship ships and you have. taken the right step by deleting the.

apps that you just can't control. yourself on with teu and GrubHub and all. that other stuff so that that is a going. control you know just take away take. don't allow alcohol to be in the. building you know to be in the house if. you're an alcoholic if you can't control. your habits delete those apps don't. allow yourself to install those apps I'm. happy things are looking good you're on. the right track and I'm super excited to. have you back on for a followup. especially especially once everything is. in the right place keep going you're. killing.

it think investing doesn't fit into your. budget honestly I used to feel the same. way until I found a way that leaves. absolutely no room for added stress or. procrastination the trick is to create a. dividend reinvesting plan or drip which. today's sponsor Mumu does a fantastic. job at helping with by allowing you to. reinvest the dividends you earn right. back into the same stocks or ETFs that. you got them from helping you grow your. portfolio automatically over time plus. Mumu helps you keep more of your money.

working for you with Z commissions. trading on US stocks edfs and options. which is an absolute must when looking. for a platform trust me and if you're. not ready to start investing today Mumu. gives new users 8.1% apy on uninvested. cash for a limited time and up to 15. free stocks with a qualified deposit. using my link managing your money. doesn't have to be super complicated if. you've been looking for an easier way to. make investing part of your financial. Journey this is it scan the QR code or. hit the link in the description to get.

started with mumo today hi my name is. Rosa what cutting that off this is you. guys have broken records we have just I. need to get into this episode like. legitimately right now was the most. recent one whoopsie or planned um kind. of planned yeah with this yeah with this. all that okay so we moved in a house we. didn't have that money that much money. so over the course of the next few years. so you just guys just around I need to. be very clear you don't think you pay.

$30,000 a month to this. house it's like five I think we only. almost bring in like four to. five oh my 6,500 comes in you find 10 to. be reasonable birthday month you you. you're aligned with this birthday month. thing it was her birthday her birthday. why do I give about her birthday you. know who birthday it's about to be the. 2-year-old and guess what that. 2-year-old is going to grow up and have. to take care of their parents cuz their. parents never saved up for retirement. that's another 10 for the kid credit.

limit 5,000 credit limit. 5,000 credit limit 5,000 and it is. sitting at $5,000. $14.41 with $140 minim monthly payment. okay okay it doesn't matter I mean it's. not like we have two kids one's about to. turn two no who really get why would. your nephew be on a card he just wanted. it I we we tried to tell him to not get. it but he wanted it he just likes the. way it looks I don't know pass to no we.

pass to um we're pass to did you know I. didn't know think something got to. change something's got to. change oh my oh my there's been one or. two missed payments on this cart this. year we're addicted to miss. payments I don't even want to continue. this this is crazy but actually you guys. are very pleasant people so I am going. to for you cuz I like you guys but this. is insane no of course I just want to go. lay in my office isn't I think are we.

halfway through now doesn't look like it. oh my gosh still see like 3040 it's been. an. hour I've never seen. $681 of. overdrafts in a year in a year you you. you it's not that they suck it's not. that they suck you're spending half of. your income on fun it's not that they. suck it's not that they suck they don't. do it to you you did it to. yourself they oh don't do this look at.

that we're overdrafting $700 a year and. all these lines are [ __ ]. [Music]. purchases H we got a raise I've been. tracking my progress on Tik Tok we have. both been working overtime we took a. 401k loan out to consolidate debt and. have a 1K emergency fund we lowered our. monthly bills by at least. $1,400 finished one of the lessons in. watching the new one all in about 2.

months hey you guys were on very long. ago and you already got a raise I'm. loving that this is a great end of year. update and I got to I got to look up. your guys' Tik Tok and see how things. have been looking that you guys are. tracking your progress that's really. cool not liking that 401k loan in the. consolidation debt in fact an episode's. coming out in the new year of someone. who has taken a 401k loan out in the. past to fix their things then their debt. went all the way back up and now they're. talking about taking a 401k loan again. out to consolidate their new version of.

their debts and it's like their fifth. time repeating this process that's my. that's the one thing that I'm nervous. about especially with a $1,000 emergency. fund you know I get that that's like the. ramsy solution I prefer the money guy. solution where it's like make sure you. can cover your largest deductible you. know maybe one or two month emergency. fund to get started before aggressively. paying off of that debt make sure you're. changing that behavior again that that. is the mostly big thing lowering your. monthly bills that's fantastic and the. increase in income that's fantastic and. paying off over $3,000 in debt in two. months is fantastic don't consider the.

taking out the 401K loan is paying off. debt though I don't know if that's in. there if it's not I'm very happy uh but. just be very cautious make sure you're. changing your behavior you're not taking. that as a shortcut and then you build. your debt all the way back up again okay. be cautious I'm happy of the update so. far A little nervous on that 401k be. cautious my name is Tabby I'm 26 I'm. from Houston Texas and this is financial. audit so I do have only um but it is. yeah I have my o account um but it's a.

pure passive income I make about extra. like $200 a month I have it posted since. 2021 and most of my content was with. people who I were either hookups or were. people I was dating at the time and. stuff what is this why'd you get like a. Best Buy credit card if you're going to. do something this stupid um I didn't get. approved for Best Buy credit card so. that was an next option yes this is. insane and you don't even how much do.

you make off of streaming nothing cuz I. just do it for. fun hobby yes 120% interest rate hobby. that does not make sense and I'm not. saying you shouldn't stream don't get me. wrong I've been considering streaming. myself for a long time and I just. haven't cuz I'm scared but what yes so. like rent any amount of debt borrow. anything take out mortgage take out car. loans take out any kind of debt ever and. you think because it's something a. contract that you sign but it doesn't.

mean life or death you don't have to pay. it that's what you think that's what you. think debt is that's what you think. bills are that's what you think managing. finances is that's what you think living. is that's what you think Financial. Security is at this point yes you have. coping skills yes you have behavior. issues yes but the fact that you get to. claim that word is disgusting there are. people with real issues in fact we've. recorded with a couple uh we had a. gambling addict recently and we had. another addict of an episode that's not.

going to come up cuz it was just you. know was a sad and we wanted to help. them get treatment instead of recording. but even. still that's addiction you don't get to. claim that word so more so of a coping. skill let's not throw words Lucy. goosey life has gotten significantly. worse I was homeless for a while due to. circumstances out of my control I. attempted Su lost my job because of it. and a lot of other things absolutely. horrible time since the episode I am.

horribly sorry to hear about this update. and that you lost your job through the. attempt and that you were homeless for a. while please do not hesitate to reach. out to us I haven't heard anything uh. from you other than this and I would. have been happy to connect you with. resources and been there during that. hard time you know make sure you're. definitely calling 988 if you're ever in. that situation again please and do not. hesitate to reach out right now as we.

told you and we told all the guests you. know with having filmed with hundreds. and hundreds of people now we you know. you know we're not like reaching out to. every single person every single day. like hey how are you doing how are you. doing how are you doing how are you. doing it's like please just as we told. you reach out to us anytime you are not. annoying us I promise hi my name is. Sawyer I'm 36 from wo Texas and this is. financial audit I can't can't work I why.

I don't have a driver's license okay so. let's get you a license okay let's do it. okay need $10,000 what the are you. talking about I have to pay off about. $10,000 in citation what are the. citations for uh no license no insurance. no registration from when I was what. would it have cost at the beginning if. you just dealt with this like $25,000. how the are you driving door Dash right. now um so I use other people's accounts.

but you're driving without a license. yeah that's why I use somebody else's. account oh my so you're just I mean. you're going to get arrested right at. some point I some point they're going to. be done with your I got arrested a. couple weeks ago and on the way home and. it's just another addition to the money. that I owe no you're probably relying on. your girlfriend no I make more than. Cheetos by a lot confusingly illegally. hey she how are you making.

money um I mean like I said I do a lot. of reselling um Street pharmacist. part-time I guess what are you selling. just Pharmacy Wise just people still. need to do that what it's not legal here. yet so you know I know but they grow. like in half the buildings in Austin you. can just go in and buy it see what is. happening I have not played video games. in store Space Storage yeah my my. storage unit why you have a house it's I.

don't have enough space for the stuff. plus I'm trying to make room for my. girlfriend's stuff your stuff your she's. going to move in with you into the. unlivable place no we're trying to get. one of the other units you want to rent. from this guy no but it's cheap and it. would help us both save a bunch of money. I it's cheap for a reason yeah and it's. month to month so we don't have any like. I get it it's just like whether or not I. can have running water that's usually. not a comp. but all the ones that they've like fixed.

have it for now so I feel like we could. stick it out for a year save some money. then get into somewhere that doesn't. suck con appliances what are we applianc. in what Appliance do you have oh it. doesn't matter it's no that's from my. roommate that went to jail what do okay. why why do I have it in front of. me he didn't have any credit so I trust. I'm going to kill you right now that is. so bad never do that. [Music]. again lost my job literally the day. after recording got a notice of a second.

rent increase effective in January car. broke some more about the only highlight. is that most of the credit cards are. paid off man I'm sorry that you lost. your job after that next day I I'm I'll. be honest we need to be real about this. right you know this is the the tough. left part I'm not surprised you know. you're using literally fake. identification and uh borrowing other. people's cars and just a lot of other. illegal things man. you I'm glad that most of the credit.

cards are already paid off second rent. increase effective in January and car. broke some more listen. man the thing is your [ __ ] A lot of it. stems from the personal choice of just. not taking care of the traffic issues. that you were dealing with in the past. not being mature enough to settle. those and then getting an actual updated. license and registration and everything. you need to. do you need to get your together there's.

obviously signs of progress with the. credit cards but the rent increase with. how cheap your rent is should not. honestly be an issue for you it really. shouldn't I am sorry about that job loss. we need to go get another job. immediately we need to be ubering to um. McDonald's or literally wherever I don't. care we need to get money in that is the. focus now please feel free to reach out. we can connect you with any resources. that you know would be appropriate for. your situation but it's honestly time to. kind of adult up for the first time and. pay off those traffic bills immediately.

because you shouldn't have been getting. them in the first place and it's it's. still kind of a joke as it was before. and that is not the life you should be. living it's time to mature up to our age. and I'm saying that from a place of love. saying that from a place of tough love. and I know it's it's kind of hard to. hear but it's time to actually get your. [ __ ] together man my name is Candace I'm. 34 years old I'm from Temple Texas and. this is financial. audit it's it's been a year for sure. I've. definitely done a lot more and accured a.

lot more not not a lot more debt but. more debt why well I I I didn't mean to. things just happened and I didn't have. an emergency fund so I couldn't pull. from that to just working on it's been a. year yep well so so what' you do have. you gotten another job yes yeah really. how much what are we doing I'm doing. instacart is that the proper side job. then instead of working hourly somewhere. in the evenings I'm not perfect and okay.

look I'm not perfect oh that's such a. bold that's such a cop out that well. that's what I got I mean I can't really. I did what I did and I can't change it. what if I walked over there and I. punched you and I was like sorry guys. I'm not perfect to excuse it it's not a. reason no I please don't punch me I. would never punch you I'm not a I. wouldn't I'm not a physical anger kind. of person that's just an example of just. like I owe my aunt she's the one that. loaned me the money and that's who I'm. paying back and she wants to be paid.

back in cash so I withdraw pto's. delivery I mean no no no no you you put. some towards your debt it was just. repurpose then again towards another. card and you're spending so ridiculous. like this isn't a positive audit or this. isn't a positive followup this isn't. like uh you've gone necessarily worse. this is like we've stayed the same and. that's really disappointing yeah it's. like I I realized that when I was is. like reviewing everything and the.

numbers they moved but they stayed the. same gosh you just made it harder for. yourself this is what happens for. everyone out there this is what happens. when you just kick the can down the road. because just going out and to eat and. getting the inapp gems and whatever and. just the life we're used to even if you. cut back a little and you just sustain a. lot of the life you're used to you're. just kicking down the can you're kicking. the can down the road eventually just. comes a you just. you get to the moment and what are you.

going to do you're going to have no. choice just like with the your dog. situation you have no choice with to go. into debt and when this car breaks down. you'll have no choice but to go into. debt what are we going to do we're going. to borrow family money like you know. like yes your credit score is good but. your debt to income ratio is not great. so like I just saw you a year ago you'd. be a fourth of the way through this a. fourth of the way through this that's. incredible but now you have to start all. over again that's what kicking the can. down the road does so now you're going. to be 38 and you're dramatically behind.

in retirement for your age you will be. dramatically behind in retirement for. your. [Music]. age I got nearly. $50,000 in student loans forgiven I had. to buy a new vehicle I'm still trying to. pay down all of the debts and trying to. continue to lose weight whoa student. loans forgiven listen I know your. behavior isn't what got the student. loans gone but they are gone let's take. that as a blessing let's red correct. those funds to making progress in other. areas so with the new vehicle being.

purchased and everything maybe the extra. minimum payments that would have gone to. the student loans can go to paying that. off quicker and you're still trying to. pay down your debt and I'm happy to hear. about the weight loss um so just keep. grinding it out let's make sure we're. following a budget listen your your your. followup that we recorded and posted on. the main channel before we had the. financial audit follow-up Channel it. wasn't the most positive and I I really. want to see a positive second followup. okay so redirect those funds follow the. budget um and I'm excited to see you. make some progress I'm Daphne I'm 34 I'm.

from Huntsville Texas and this is. financial. audit right after I got divorced I got. into a situation with somebody I knew. from. work and um how quickly after the the. divorce well like immediately it's was. like a rebound right I guess is what. they would call it. okay like the day after maybe. maybe it sort of yes. okay so I knew him right we worked.

together that's how we met wait how long. are you married almost 5 years did you. guys ever have any kids yes and you got. with this person a day after yes but see. what I thought he was like the love of. my life a day after a divorce okay yes. sure and you thought he'd be living with. you yes like I thought we were going to. be we were going to be in love but he. was married yes so I was under the.

impression that he was the same kind of. married that I was which like the same. kind what kind of married is that which. is like that's insane no hear me out so. like I okay no I'm hearing you out it. just doesn't really Vibe with my. personal morals on that but go you say. your thing we're trying to get contexts. for how he ended up here so go ahead we. were together maybe 6 months you and the. married guy get married banging it up.

banging it up you. were well yeah of course and he was. married yes that's home record Behavior. technically that is true yeah. embarrassing yeah let me Loop this back. to finances so you signed a lease. expecting to live with him because you. thought he was the love of your life a. married man that you met wait so yeah. the plan is to just keep doing it until. it doesn't work anymore I guess and I. think that's how all relationships are. well I know I said situationship which I.

don't like saying that because it makes. them sound bad and he's okay but how. long are you guys actually together when. you're together oh so I have every other. Friday off so normally I go like a long. weekend like Thursday night to Sunday. night all right good luck for you guys. and same for him when he comes to see me. that maybe if we had known these things. about each other we would have just. broken up but we didn't we got married. well it lasted 5 years somehow yeah I. know shocking. [Music].

okay I got a raise stopped eating out as. much and have started building my. savings love that stop eating now that. was a big thing for you the raise make. sure we're not redirecting that money in. wrong ways the with the raise and then. all of a sudden stop eating out we have. extra money there's not a pile of money. where are we putting that you're. building your savings you say good I. want to see progress in all the areas. with the debt as well and it's not just. about the savings so um when you come. back on I want to see I want to see de. free and I want to see a good chunky.

emergency fun okay I'm Lydia I'm 40. years old I live in Austin and this is. financial audit why is your rent 2400. because I I also have a grand piano and. a grand piano does not live in a studio. apartment get rid of it I don't give a. sh yeah I do give a sh and you can't pay. for groceries I think that's a. self-inflicted that's you y That's you. making a choice because of a want that. you wanted how's that going yeah it's. not going well obviously or be talking. to you I've been trying to pay that one. off but using lower more purchases.

trying to pay something off does not. equal more purchases you say you know. but why is it happening then this is. this is still horrendous I know okay you. you don't have to keep saying that it is. yes I do you don't I know that it is. okay usually when people know things. they then would change it yeah you but. you haven't so maybe I do need to keep. saying it okay keep saying it okay trust. me I will it's my show girl hear. yourself sing hm hear yourself sing go.

beautiful voice mhm I'm just saying I. know where I can. improve you can slap him in the poo if. you want okay not I I I I don't I don't. slap I I punch let's play hypothetical. gun to your head you're inside of an. elementary school what would you pick a. the car or your. [Music]. rent still working still paying off debt. not buying a house looking to downsides. to save money when my lease ends in July.

looked into selling my car but leads. didn't pan out just Trucking along. nothing fancy ah my combative Nemesis. not really of course uh you know this is. I get it Heat of the Moment things get a. little little I'm happy to hear that. you're still paying off Deb I wish I. knew the progress on paying off that. debt and looking at downsize I know the. complication with the piano Lees didn't. pan out for selling in your car I'm. curious what looking into selling my car. is you know what was that how did we put.

in a days worth of effort I'd be I'd be. curious but I'm happy to hear that at Le. still paying off debt still working. let's get that downsizing maybe put the. piano in an AC temperature controled. storage thing because I know it's very. important in the family heirloom uh. status of it and maybe we're looking at. that car a bit more cuz I don't know if. you fully wanted to sell it but uh let's. keep getting updates from you okay hi my. name is Travis I'm. from Fort Worth Texas and this is. financial audit like I feel like I can't.

operate on my day unless I make a pie. chart you know anything of being an. addiction uh and the fact that you're in. that situation that's obviously very. hard and I bet that's also quite. expensive um I have found a way to make. it a lot cheaper than what I have seen. in the past maybe we. know it's one of those I mean I used to. spend like $200 to $300 like a week and. then now it's down to 80 and it's you. know a week yeah how. you don't have to give us specifics but. just in general how you know new science.

technologies that type of stuff um newer. stuff is better so you less of it so. more. concentrated. sources interesting that is far and. Beyond but it's like CU I'm not. interested in that thing so I don't know. yeah and then it's one of those it's. like there's that one which is like the. one that concerns me the most but then I. do have a recreational um hobby that is. becoming um a problem to tell. it's one of those so yeah it's one of.

that's a lot of. fun okay and we've bleeped we've bleeped. the specific. substance but I was not expecting that. my dude okay so how how how common is. that um I mean that one's about $100 a. week oh so this is an ongoing thing yeah. that one's more recent are you on this. right now no well depending on how right. now. it's one of those probably when was the. last time it was consumed like 18 hours.

okay how often do you consume this I. mean daily okay so that that's not happy. that's that's not a we're going to have. a party situation this is a we're doing. this every day is a party but no yeah. it's one of those it's definitely we're. doing this and um you know steps are. being taken to. not well I've paid off all my credit. card debt paid off off my car the girl I. was dating I went to rehab for broke up.

with me I got a second job and promoted. up to a shift leader I moved into a. house and December will be the last. month that I have to pay for rent and. mortgage thank goodness my waterburger. won the water games it's a competition. that waterburger throws between. waterburger units and winners get. bragging rights and a nice cash bonus I. made a friend at one of my jobs and her. and I got each other's names tattooed on. one another I'm learning how to bartend. kind of funny for me to learn that. because I don't drink I've been focusing. on developing myself from a good manager.

to becoming a leader finding ways for my. teams to trust in my leadership and have. them want to follow me in my decisions. the only debt I have is my student loans. now I haven't put a date to when it will. be paid off but it should be another 12. months approximately and then I'll be. debt free and will focus on putting a. bunch of my money in my 401k to achieve. 100K before I turn 30 years old that's. the primary plan while doing that. secondary plan is to save money for. emergency saving and a big purchase I. have coming up in the next 5 to 10 years.

Travis honestly this update is just one. of my favorite things that I got to read. today like let's dude I'm happy to hear. that it sounds like you're staying clean. I'm happy to hear that everything is. going well at waterburger like you are. just I want to lift you up on a pedestal. Man actually you know what I uh we're. we're doing a live show in February I. want to invite you to to come on uh you. know not for just a major update but. just to just to have you know hundreds.

of people cheer for you just showing. that the staple I want you to you are. the staple of someone who can be at. their lowest get the help listen to some. tough love put in the work change things. around you are a winner man you are a. winner and I'm so proud of you keep. going man I'm I love you dude I I. seriously do I reach out I want to get. you on that show okay I want to. celebrate this victory with you hi my. name is Amber I'm 46 based out of Round.

Rock Texas and this is financial. audit I had to support a whole another. human being okay why was he not working. he wasn't working because he was. undocumented oh rip okay why is the. marage ending it so immediately because. he decided he wanted to send a to some. 20-year-old in Argentina I wish I knew. Spanish so I could ask her if she was. satisfied with it or not because it is. you know objects um appear bigger than. they actually are in real life in photos. have you practiced that one no yeah how.

long you guys dating before uh 3 weeks. okay what was this what the okay I will. tell this is crazy had I known that. alone that this man literally had to. have a continental breakfast every. morning I literally would not have. married it wasn't true love at that. point you guys couldn't have known. that's hard to know then the dudes out. there sending pictures of that you know. uncut hero I don't budget I've admitted. that like many many many times I don't. budget and I I need it's not about. budgeting you said you know this is at.

the credit limit and you want to get it. below so your minimum the payments are. lower then why would we purchase on this. card this card not you did in this. statement in this statement this. statement we're only talking about the. hey hey no we're only talking about the. statement that exists yeah and if you. look at it what purchases are on the. statement Caleb there aren't any. purchases on that statement because the. card was over the limit not true for the. amount of money that I spent that day on. door Dash I could have bought four meals.

inste of yeah seven and a half dozen. eggs could stretch further than four. meals nobody's going to eat that many. eggs that's your choice nobody's going. to eat that many eggs Caleb it's not. great. sool that's not good for your. cholesterol it's a how are you how have. you existed you blood pressure medicine. this is I probably should be after this. conversation this is the episode where I. finally lost it that is a new credit. card people have always asked and I've. asked myself as well 2 and a half years.

into this thing what's the episode where. I'm going to lose it you want to talk. about my Ally card now dating coach I. was. [Music]. lonely adding more income literally in. November and I'm bringing in $1,000 a. week with that yes it's legal I'm. redoing the budget that I got from the. financial LED and should have all my. credit cards fully paid off in 2 months. I would love to come back on the show in. January to give a bigger update quote.

she got a better job so did she change. her ways on if that helped as well like. if the business actually generates sales. oh man you that was a special episode. wasn't it uh I still you. know one of those candles smells very. nice I very much like them hope that. business has been going well. uh man when we just gotten that back and. forth I have not been so just like. emotionally angry very much on the show.

but when you could not understand that. you could just buy a rotiss chicken for. dollars maybe $6. now but I am so happy to hear about that. more income bringing an extra $1,000 a. week like let's go I'm glad it's legal I. don't know why you had to specify that. you're redoing the budget that you got I. don't know why but I do love that you. are paying off the credit cards in 2. months I better receive that email or or. you come back on the show when those. credit cards are done I want to hold you. accountable to that 2 months that you're.

promising right now hi my name is Casey. I am 34 years old based out of. Georgetown Texas and this is financial. audit responsible in any way whatsoever. you can't pay anything you're never. paying anything got a car repoed adding. to your debt on this last one PA not. pause pause I did not get the car repoed. the car was voluntarily surrendered in. the process of me trying to catch up on. my payments because they were going to. repo if you didn't my finance company.

lost my payment had they not I would. still have that car okay you know you. have to you have to be behind payments. for like many many months for that to be. in that situation be exact there you go. and I just started the job that I just. left and had they not lost that payment. I was going to make two payments with. the next check because I had massive. overtime you have to understand that I. was making bank at that job but I not H. I wasn't happy yeah but then you still. have to pay the bills that you took out. though right but again I would still.

have that car with which had a lesser. payment on it honestly all of this. really started going south when I lost. that car cuz my car payment shot up by. like 200 bucks and so that's cuz you end. up getting a car that was unaffordable. to you cuz it's the car they gave me. kale gave no it's the car they showed me. I needed a car I'm so really so if. anyone shows you anything you're just. going to buy it. no I'm afraid for the next time you have. to get another car they're going to show.

you a car and you're going to be like. okay that's my car you understand when. when it comes to cars I I've never. gotten a car before when it comes to. cars I typically do research I typically. do the research this is literally the. one time where I did not and it's. destroyed your finances so. [Music]. yeah I lowered my phone bill by a lot. got a raise of my current job plus. picked up a second job and I'm currently. looking to move move into a cheaper. apartment once I can find the one I. qualify for lessen I'm happy you loaded.

your film bill I don't think that was. the uh entirety of what we were. discussing but uh the raise at your job. and the second job looking to move into. a cheaper apartment that is that is what. I like more than anything because that. was our big sticking point when having. the conversations is that you're just. like couldn't live more less than 2. seconds away from their family like we. are in a massive suburban area you can. live in Round Rock you can live in North. Austin you could still be close I've.

gone to Georgetown many of times and I. am not that far north okay so the thing. is I'm glad to hear things are doing. okay I hope with that increased income. and with the decrease in our living. expense that you start making a bit more. progress a little bummed I haven't heard. about more progress than just that okay. but keep going hi my name is Morgan I'm. 29 I'm from Charlotte North Carolina and. this is financial audit. okay so what what's going on here what. is happening what what is happening so I.

have an ex-husband I was married before. an ex-husband 29 so out of the divorce I. got. $600,000 the yes why um that was part of. our settlement um so I could have taken. more but I didn't which I'm kind of now. regretting a little wait why could you. have taken more and why didn't you when. did you get the 600,000 2 years ago okay. what the is it um well I bought a house. 330,000 so I don't have so it goes half.

the cash yes I bought it sight unseen we. had to renovate it completely like gut. job the renovation was like $100,000 you. don't know where that other $150,000 to. $200,000 went do you you don't know and. he was twice my age um so I think 40 I. definitely think I was groomed in the. beginning that's a strong word you know. he would get mad at me and like throw me.

out of the house or why wait but he had. kind of this idea of like any male that. I had a conversation with or that I knew. oh this dud weird basically. [Music]. yeah I was able to negotiate with my. credit card to pay off $500 a month for. 5 years with 0% interest and close the. account I received a cease and assist. from my ex- boss for what I said on the. show I've been working my new job I I. haven't cut my frivolous spending. completely but it has gotten better with.

the cease and assist yeah I do remember. that you did email us about that um. hopefully that goes all well let let us. know if you need any help because you. really didn't say anything too too. pungent for what it's worth you know we. can we can work with you and help you on. that um but I know that was a. complicated situation say hello to your. husband who I went to school with and. you know we didn't even know that that. was a fun little thing that we F found. out in the post show but Hey listen. negotiating your credit cards it's. pretty good make sure you're actually. changing your behavior though don't take. that as a shortcut don't take that as a. win it helps the progress but take it.

seriously and keep going are you feeling. overwhelmed by your financial future. whether it's planning for retirement. saving for a home or managing your. Investments navigating these decisions. alone can be really stressful in fact. 70% of Americans report feeling anxious. about their finances and as someone who. lives and breathes Financial education I. understand why that's why I want to. introduce you to domain money unlike. traditional financial advisers who. charge ongoing fees that can eat up to.

25% of your returns over 30 years domain. money operates differently they charge a. one-time flat fee ensuring their focus. stays on building your long-term wealth. now that I'm in the process with my. certified financial planner Adriana she. will take a comprehensive look at my. entire Financial picture from spending. and saving to Investments and Tax. Strategies what impressed me the most. was their personal approach there's no. cookie cutter solution instead they. create a customized plan aligned with.

your specific goals and circumstances. and the best part you can start with a. completely free strategy session no. preparation needed no commitment. required just the opportunity to sit. down with a cfp professional who's. legally bound to act in your best. interest once you become a client and. discuss your financial future don't made. money will help me develop clear. strategies for my future real estate. Investments and I identify tax saving. opportunities I hadn't considered if. you're ready to take control of your. financial future visit domain.

money.com calb or click the link in the. description to book your free strategy. session Caleb Hammer is a current client. in domain money and has received cash. for a free plan as compensation for this. endorsement therefore has an incentive. to promote domain money the important. disclosures at dmn mny y.com Cox hi my. name is Sylvia I'm 50 years old I'm from. Houston Texas and this is financial. audit a year at least probably okay so.

after that why didn't we save up a full. year emergency fund if we knew that was. a reality in our situation why why are. we going into for debt for that if this. was a thing that was ongoing in the good. times wouldn't we prepare for the. inevitable rain that we knew was coming. from living in a historic. rainy Place yeah no I've never had an. emergency fund you've never had an. emergency fund I was a single mom for 10. years congratulations get an emergency. fund I don't what no good reason good. job but get an emergency fund okay so.

180,000 you didn't pay taxes so we owe. back taxes but for the sake of future. taxes are you at least setting just 25. 30% aside I I'm hoping to now yeah no I. haven't been fun fact we're in the 10th. month of the year uh. so I don't think the IRS listens to. laughter and allows that to be. settled that from the previous year it. doesn't like enrage Me by any means this. like you're just putting yourself in a.

harder position for a good intention and. a good heart I I mean I like that that's. that's. wonderful but it doesn't work for you. right now it just it's not necessarily. an option how much is your current rent. 2550. oh oh it's expensive we are at 63,000. hour of unpaid taxes but that's. incorrect cuz you have two years 2022. 2023 and we're going to have 2024 of. unpaid taxes probably going to be like. $12 something, of unpaid taxes which is.

insane why are you in debt for Tik Tock. shop cuz if I can pay it out it just huh. is better huh I just want to pay it out. what does pay it out like pay it out. over time you can't your minimal. payments are stacked up every everything. is so stacked oh who that was the end of. the debt it is unless is there more debt. that I have not talked about I I think I. think we're missing one oh good what is. it um I recently had to do a loan cuz I.

had to travel for work you said it gets. paid for it it does but not ahead of. time and then you never pay it off. anyway you just spend it on. you I have now paid off $10,000 in debt. and following a serious budget but my. daughter is still not speaking to me so. I lost that relationship which is a huge. loss in my life the depression of not. having one of your children during the. holiday is real that said I've heard. from people that it was a good episode. and that it probably helped a lot of.

others in my same situation hey you are. uploaded during fast stack week we all. love you you're one of the nicest most. kind people and I hope everyone in the. audience liked you I think they did uh I. think it was a very positive comment. section for that episode paying off. $10,000 since then is. incredible like seriously. incredible I'm very sorry to hear about. the relationship thing though and that. is a big loss I you know just hopefully. time can heal some wounds there and you. know you're able to get back into each.

other's lives and you know I'm really. sorry especially in the time of. Christmas and or whatever you celebrate. is just I know that can be really. difficult but yes it was a very good. episode and I'm sure a lot of people. related to it and I am so happy with the. progress you made I hope that everything. ends up being um okay in the family. situation as well I'm Rachel I'm 23 from. Dallas Texas and this is financial audit. but the financial situation break up a. you or did you break with him he dumped. me okay why yeah he ran into his high.

school Crush okay don't like that yeah. yeah I mean there certainly responsib. month old yeah yeah uh so that sucks I'm. sorry to hear. that child. support just. spting um again you're not you pay the. bill yeah but so whenever you do the. math like based on his income yeah. whenever we split mhm he was paying me.

more than he would have on child support. why are you so much credit card how. about that tattoos the tattoos I put. okay the first one we're going to look. at is. $862 with the $326 MIM monthly payment. that is all tattoo debt that's all. tattoo Deb all of it not all of it I've. put about 10,000 on tattoos in the past. year in the past year yeah well now I. know why said that's insane yeah 10,000. yeah yeah it's not a we're dropping our. kid off and I'm running light to a.

meeting no this is every day at this. point we're at least every other day so. it's not just that I was running late. for a meeting so I stopped you're. endlessly doing. it yeah I have a coffee problem um I. actually then make it at home and chug a. [Music]. pot I was on the show back in June 2024. I'll go over some of the finance updates. then life or whatever else happen after. I broke down compared my finances when I. was on the show versus now as well a few.

things to knowe I haven't gotten any new. tattoos I invested more time to therapy. paid for by my employer and have gotten. into a way better mental place my. financial issues were rooted in my. mental health struggles I literally did. not care about debts at all because I. didn't think I would live long enough. for it to matter I've gotten a lot. better before being on the show but. since then I'm doing way better I sold. the aura ring and used the money to pay. off the affirm balance and the extra. money paid off at different airm bals I. no longer have any pay and for type.

loans these have all been paid off. Additionally the debts that my X pays. for bed and couch are way closer to. being paid off the bed or firm is paid. off and the couch credit card will be. paid off in February 2025 I did accept. the loan for my dad to pay off one of my. credit cards he loaned me. $3,500 and I pay him back $90 a month. but I did have to use the car for. emergency medical expenses for my son. this prompted me to start working on my. emergency fund which I didn't have at. all before I also switched insurances.

with my company to one that has an HSA. fund with company match I do not use the. card regularly but had no other options. when these medical expenses came up I. did some automatic payments set up for. my Apple card which I've cancelled I. didn't even know they existed but it was. an annual charge browny face I canel. that membership I canceled that. membership again I don't use this card. regularly I refinance my out alone from. 12.45% APR to 10.35% APR I intend on.

refinancing in a couple months expected. to bring it down to 8% generally. everything else has stayed the same I. moved which lowered my utilities a bit. but the rent and fees stayed the same my. ex and I are discussing a change in. child care to save us both some money. for that as well but that's still a work. in progress I'm still paying minimums on. credit cards with the occasional. additional payment when possible she. then let us know about her son's. hospitalization and some of the cost. associated with them I've been trying to. get a second job but once we discuss the. schedule they back out unfortunately my.

dad's Cancer's gotten worse and my mom's. overall health has gone downhill so I. don't have any family who's able to. watch my son while I work so because of. this I'm going back to school for my. bachelor's degree and it management I. start back on December 1st and hopefully. this degree will help with future. Financial growth I'm paying $0 out of. pocket education is completely covered. by pel Grant because I'll be enrolled. full-time my federal student loans will. be in deferment one School my private. student loan will have a smaller monthly. payment $100 a month which frees up.

about $170 for me to put towards my. other debts with higher interest rates. now the big update I filmed with Mr. Beast not long after the show and I'm. not entirely sure the portion I filmed. will be aired keep an eye out December. 19th on Amazon Prime given the fact that. I can't discuss the Mr Beast stuff yet. and so many of the variables in my. financial life are still up in the air. I'm holding off on a follow-up episode. once I get my raise and pay off a bit. more debt I will be happy to go back. still have a hammer Financial score of. zero but I'm working on it thank you for.

the huge update I'm happy that things. are going well in general and that. refinancing it's not like the biggest. refinancing but you know I guess if it's. down to 8% from the 12 I don't it's a. repeating narrative throughout this. episode it's I don't want you to think. that that is the progress I still need. you to absolutely obliterate it because. even if you get down to 8% that is still. not considered a good Loan in my book on. a depreciating asset if we're talking. about what's actually a cumulating in. the market on average all up years down. years combined it's right around 8%. historically so listen I am happy that.

in. relative in relative sense we are seeing. a positive update on your end uh but I. don't I just you know I just caution on. that viewing that as a win but keep. going hi my name is Abby I'm 36 years. old from waah Hatchi Texas and this is. financial audit it's a oh no it's not. it's a. bubble it's a that's a kids toy. guys we're going to retire successfully. as a couple and pay for our colleges our. kids college why hope well his kids.

probably go to college huh his kids. probably won't go to college are they. not your kids too okay I guess they are. my kids why wa you calling them stupid. no they're. just they don't look at they'd rather do. service. jobs what are you saying I'm just I. don't know that's not something you have. to go to college no you're saying. something what are you saying. they what's wrong with his kids your.

kids what's wrong I mean they got their. own issues you guys get along we've had. multiple issues about like his spending. and his finances and that's why we just. don't talk about it because what are the. issues I mean his spending okay but you. said multiple problems what before did. lie about his death yeah and like how. much he is well I do now. like. we've. well not fully.

but why weren't you making payments in. general you've had a job it was like. $600 it was really yeah cuz that's your. payment I know and you're an adult what. are you doing I so again so again we. just have we. literally have another reason why the. mortgage shouldn't be behind mommy and. daddy were paying for it well that was. back in. January even still you just you've given.

me a second reason why we shouldn't be. behind you're making this so hard why. punish yourself this way you're making. your life. so hard you've destroyed your life you. have destroyed your life and I need that. to be clear I'll feel bad about it and. it's okay for you to feel bad about it. but I need to be crystal clear that you. have destroyed your life and the reason. why I need to be clear about that even. if it is brutal and makes you feel bad.

is because I need you to not destroy. your life again in the future cuz what. you have done up until now is not put. yourself in any position of any. [Music]. goodness I sold all my inventory for my. side hustle of selling Hello Kitty items. and use that money to pay off one of my. cards and we'll put the rest in savings. I called on my Bank of America credit. card and set the debt down to 10,000 and. we pay that off in 6 months I am still. working at getting better with budgeting.

but I have been making attempts to. really buckle down on excess spending uh. dude you were you were just on the show. it feels like and this is incredible. that so much has already happened I'm. glad you got rid of those h Hello Kitty. items and everything that crazy um but. settle down to $1,000 paying that off in. six months you better actually pay that. off in six months that you're getting. better on budgeting um these These are. good signs so just pay that off in 6. months and I want to see proof that you. did hi I'm Maya I'm 24 years old I'm.

from Vista California and this is. financial. audit honestly that leads me to your. hobbies I I never get like a Hobbies. point I have notes here and I never have. like Hobbies I don't go look through the. Hobbies but what do the Hobbies read. likes to eat out door Dash Uber Eats. dating likes to buy people. meals buying people. gifts tattoos. vaping probably not the best Hobbies.

across the board it's not bad but the. buying people meals thing with our. finances so we have debt but those are. our. hoies okay I a thing about that is I. don't like when other people pay for me. so I kind of always insist on paying for. every it kind of feels that it's like. something that can be held against me. like you know okay well I paid for this. so now you like have to have with me or.

now off I know and I have a hard time. with that so instead I just insist on. paying and then that takes out of the. equation but then I would say you paid. for me now I feel like less of a man I. deserve to be slept. with you immediately only started with. what he did which again out of the. control that and that is a part of the. answer but what about what you've done I. went into a black hole of spending I. went into retail therapy I went into.

over when when for what because of this. like probably this entire year at least. from like January up until now what does. that mean what does that look like that. looks like me spending. $2500 on a trip well you know some of. the things you know some of your numbers. you think you spent more than you did. you know you spent more than you did uh. more than you made so you know some. things but then you go and you go. McDonald's and Barnes and Noble and.

revie to change any of the behavior so. you have the knowledge behind it and the. refusal to do anything about it which to. me pisses me. [Music]. off I've gotten my three jobs and I've. been working them ever since the end of. the episode I've doubled my income. possibly plus a little more I've paid. off three credit cards whoop whoop and. I've stuck to my goals SL plans of. cutting my EXP expenses I am three cards. away from eliminating all my credit card. debt while consistently making payments.

toward my student loans Etc once I am. there I'm going to begin saving up for. an emergency fund I've started therapy. as well on a regular basis I had started. during the show but forgot to include it. in my episode overall I'm making small. but good steps towards my goal I have. also cut Financial ties with my family. woo three jobs and just going and going. and going good job I definitely love to. hear that three credit cards as well. like this these are these are the big. wins that I am all about then you'll get. your emergency fund then you'll get your.

retirement on track listen small steps. are big steps in my book if you're. actually making it towards the goals. that is what matters here this is a show. about progress and growth learning from. our mistakes not beating ourselves up. from the mistakes once we start going. forward and actually making progress and. making our lives better and you are. doing just that and I very proud of you. so as many of you know I've been a big. supporter of course careers for a long. time I'm not just a partner I actually. own stock and I'm an investor so why did.

I partner with course careers because I. truly believe in what they're doing a. lot of people have questions about. online certifications versus traditional. college degrees let me be clear I. wouldn't put my name behind something. unless I knew it worked the thing is not. everyone has the time or resources to. spend four years in college or take on. massive student loan debt course careers. offers a practical affordable way to. launch a career in a high demand field. like Tech sales it and accounting where. companies are hiring based on the skills.

needed not broad college degrees in fact. right now one in three companies are. dropping degree requirements and that. number is only going to continue to grow. I know some people think online programs. are quick fix but that's not the case. here course careers takes effort and. commitment but they provide you with a. streamlined proven path they offer. up-to-date self-paced courses one-on-one. or group coaching from people that work. in the industry and most importantly. they help you actually get hired just. look at graduates like neso who went. from driving FedEx trucks to a cyber.

security job at Disney that didn't. happen by chance he put in the work and. course careers guided him every step of. the way and what truly sets course. careers apart is that it's not just. about learning skills about Landing a. job their curriculum is designed based. on what employers actually need and. their network of Industry coaches will. guide you through the entire process. from learning the skills to interviewing. resume help and Beyond so if you're. you're serious about starting a new. career without wasting years or piling. up debt give course careers a try start.

with their free intro course Linked In. the description to explore your options. and when you're ready use the link in. the description for $50 off the full. course your future starts right now in. course careers is here to help you shape. it hi my name is Elena M 34 I'm from. Edinburgh Texas and this is financial. audit so you make $2,000 a month how. much did you. spend oh I need help Caleb that's why. well no that's why everyone's here. that's not a that's not a copout whether. it was a conscious full it was a.

conscious effort whe whether it was a. full frontal conscious effort. of I am going to go get MC Fries over my. child's Future No but in there you still. made the choice to do it knowing that. you were going to stop paying on a debt. in order to get a MC fry I don't care. what you did two days before the show. two days before the show is nothing. that's a scramble to look decent before. you sit at this table that's nothing. it's the actions that we've been doing.

for months for a year for a decade those. are what we break and so no I'm not. going to sit here give you a high five. for that I'm not I'm sorry it's just. that's not helpful to you it's really. not it's not $20 Fe was 1% of your. payche 1% of your paycheck 1% and now. we're up to 10 because we decided we. didn't want to pay $20 but we wanted to. spend $250 getting MC nug you don't. learn anything how much did you take out.

of your 401k it was like. 8,000 buddy how much do you have not. even the worst people on the show have. not paid their. FMS uh wow I didn't think I was the bad. one one of the bad ones if you put 20%. down on a car and it's a threeyear loan. and you can't afford the minimum monthly. payment or it's more aggressive than 8%. of your income you can't afford it. stretching out the term does not mean. you can afford it paying it you're.

recruiting food free fees are all. because of you and your actions and your. spending and your lack of discipline and. your inability to budget or have any. sense of maturity in your life or care. for your future or child's future. financially that is not an answer this. is a podcast you give an answer okay I'm. sorry no no no no I need to know why you. fully recognize what you needed to do. what was wrong and what was required to. get out of this a month ago and you've. done nothing until the couple days.

before you knew you were coming on this. table. why I've paid off some of my debt and. have gotten a second job as well I'm. trying my best to stay within my budget. but there's days where I've fallen off. the wagon I've also started meal. prepping second job paying off some debt. things are looking good I get it listen. no it's it's hard sticking to a strict. budget is very difficult it's just the.

the reward in the end I promise is worth. it keep going find ways that keep you on. it a little better you know maybe reward. yourself for hitting certain Milestones. if that keeps you on the budget Listen. My Philosophy has always been and I know. it's a little hard to see in an hour and. a half episodes three times a week but I. I I am true about this if it takes Let's. Pretend two years to pay off a debt with. hard strict budget having no fun with a. 75% completion chance but it could take.

two and a half years to pay off the debt. cuz you're setting little rewards along. the way to spend some money and that has. a 95% completion chance I'd rather do. the two and a half years okay so don't. be too hard on yourself but also make. sure you're holding yourself accountable. at the same time and just set goals and. expectations correctly and do it in a. good healthy way hi my name is Heather. I'm 21 years old I'm from Washington and. this is financial audit. how do you feel living. in that area on. $2,500 month it's expensive and it's.

hard. um. and I I struggle a lot um especially cuz. I I spend a lot of my mom's money she's. probably given me about. 200,000 in the past five. years what that's so that's an insane. amount of money how did she giv you that. much money in last five years about yeah.

and I work for her so I I make I make. the money from her business and then she. kind of gives me at your job get paid. some money for it and then siphon. $200,000 yeah why don't you listen to. her and why doesn't she stop you what. I'm so confused honestly I don't know. um I mean I know why I don't stop I. don't know why why don't you stop then.

why don't you stop being a selfish. speech of crap cuz I like to. shop um that's worth just taking. advantage of your mom being a disgusting. human being bottom of the barrel trash. washed up on shore needs to be thrown. back into the depths of the ocean you'd. rather be that no but you are what do. you mean you just said I'm not stopping. because I want to shop shop and yeah. spending's ridiculous what do you mean. honestly I don't know I that's not an. answer that's not an answer that that is.

not an answer I guess I kind of just. struggle with the whole. like stopping myself from buying stuff. um like today I bought a whole new. outfit for the show um for the show the. show about not spending money yeah what. are you do what are you what that was a. um shouldn't even wearing that heal. self-love you're not self-loving you're.

just destroying your Mom's finances. you're not self-loving I'm sorry I had. to interrupt you and Rewind for a second. what are you talking about this you're. doing better you spend $500 going out to. eat what are you talking about sometimes. I go to more expensive places too like. my husband and I will go out to. restaurants also dude just your. miscellaneous bull category which we're. going to go through so much spending. here in a little bit is uh 2598 it's. literally what you $94 more than hits.

your account on a monthly basis so the. rest is borrowed through mommy yeah. borrowed wow this is this is insane and. I I think I can't remember what degree I. was going for I can't remember if it was. just straight psychology or if it was um. applied Behavior Analysis but I was. going through for one of those there. um and. uh I can't remember why I I I ended up. falling behind and left that one too uh. the next so you can't remember why for.

both okay that's great that's going. prevent us from doing it again the I. need you to like separate from your mom. somehow I need her to like stay alive. but not in being like. not I just need like the you need to not. be able to have access to her somehow. this is like cuz I have no problem with. someone helping someone out and I have. no problem with asking for help either. but what she is doing and taking care of. you and babying you and doing all.

this you're never going to grow the up. or learn how to budget or learn how to. manage your finances you're never going. to be able to be independent. ever and you take advantage of it so. crazy dude your mouth is never deatched. from those dude you are still right up. on. them I don't borrow as much money from. my mom anymore and I do pay her back. when she lets me we live on a base so. our housing and utilities are completely.

paid for by the Army glad to hear you're. not borrowing that money from your mom. um and that you pay her back when she. lets you I'm not 100% sure what that. means but now that your living expenses. are you know down let's redirect that. pay her back all the way and actually. take control of your life okay hi I'm. Vanessa I'm 42 years old and I'm from. Round Rock Texas this is financial audit. just to let you know I don't know if. this is going to impact anything or not. you know but my finances are worse now.

than they were when I sent these. statements my finances are worse and. honestly a little stunned to hear that. because how can they be worth because. the spending on these credit cards is. some of the most in it's some of the. most insane spending I've ever seen on. active interest acre credit cards ever. and then to come in in here and say my. finances have gotten. worse worse I didn't know that was.

possible so I just wanted to call that. out because the audience wasn't here for. the pre-film conversation how long have. you guys been together probably five. years six it's marriage on the horizon. that's a while to be together we don't. talk about it I'm not you know your. salary what came in do you not budget. have you never looked at an account I. try not to how much came in for sake why. would you possibly spend $9,000 it's not. about looking down on your job it's not. about looking down on your income it's. not about looking down on your life it's. not about not knowing how much comes in.

it's about the fact that you spent three. times your income and then you tell me. it's actually worse now your financial. situation has gotten worse now so tell. me why would you possibly spend $99,000. when $3,000 comes. in a lot you are a child ha you are a. literal baby totally come on like. legitimately sounds like too much work. what do you mean you call do you have a. phone there it is Google call this is.

easy it's probably on the website are. you serious I guess I need I guess it's. true or you or you potentially win or. you potentially get on something else or. you potentially see a therapist on a. weekly basis so you develop better. coping mechanisms around this this is. simple stuff is it also millions of. people have ADHD that doesn't mean. millions of people live like this yeah I. live like this yeah then they forgive. the rest no well it's more it's. definitely more than that I that's just.

what I saw recently um it could be. closer to 80 it's all convoluted and. ridiculous and it's it's overwhelming oh. I was just trying to type something in. and I believe I heard 80,000 yeah the. are you what are you talking about you. said 20 how 20 you have no respect for. money. I deleted my Free People app and. reinstalled ordered two more things felt.

immensely guilt and have since stopped. shopping in general paid off about. $33,000 in debt since the show in late. October I made an appointment to seek. therapy with an in network doctor for. early January and I'm back on my meds. currently signed up for an IDR plan to. pay off student loan debt but I have yet. to utilize the help offered from the. show I will be looking into that. Financial stuff soon when I feel more. stable and prepared to move into that. head space the B has been holding me. accountable to my spending habits so I'm. not shopping I have caught up my credit. cards to stop accumulating more debt.

deleting Free People is the best thing. you could have done that was the most. insane thing I've ever seen that was. crazy $3,000 in debt for an episode we. just filmed is absolutely incredible and. that you are seeking a therapist is. great again we can connect you three. free therapy sessions I don't think we. had that in place at that time we're. always trying to grow our resources list. for our guests and for our audience so. things are great the income defer or. income based repayment you know we'll. see how that works with the new. Administration you really never know it.

kind of depends on the Department of. Education uh whoever's leading that it. also depends on what the Supreme Court. says uh which they're likely going to. hear something on these income base. repayment plans so uh mostly because of. the save plan I do believe so keep your. ear to the ground for that but keep up. this progress this is really good hi my. name is Ellis I am 23-year-old from. Dallas and this is financial it I got. coddled a lot like in my adulthood and. that's one of the reasons why by who um.

my ex typically your ex okay yeah a lot. so when I moved um cuz I failed out of. Baylor came home went to Community. College and then I moved out to. Arizona he coddled me a lot in that. aspect because I wasn't what I was going. to school again yeah what was codling he. would pay my rent because I was not. making enough money to live in Phoenix. it sounds like you're just trying to. take an excuse for why I think are bad. today and why you're not doing well now. I think I think I think he is to blame. I'm going to be honest with you I think.

he is to blame the [ __ ] are you what do. you mean do you have no ability to. self-reflect internally and take any. kind of responsibility we barely even. looked at your numbers yet but that's. [Music]. insane credit score will be 600 by. February 2025 and I started paying on my. big college loan I'm glad to hear you. started paying on the big college loan I. wouldn't have expected anything too big. cuz again we just filmed with you even. sooner than the last one that we were. talking about so credit score being 600. by February yeah that's not my biggest.

goal for you this is mostly actually. take control of those big debts and if. youve started paying on it that's a good. start let say let's be pretty pretty uh. pretty strict and uh get your butt back. on here in like five months and let's. see what's happened my name is Ethan I'm. 24 I'm based out of Houston Texas and. this is financial. audit um so I'm a day trader currently. um W you must be doing okay then I it's. it's complicated do you live at home uh. I live with my aunt currently for free.

uh no for 500 bucks a month but you've. taken two how are you paying for that so. I've I've I've liquidated a lot of my. assets over the last couple months um 24. what you're taking away all the compound. growth and time that you have on the. future of your life what what assets so. I I I liquidated my wroth uh first of. all and then Ro what my Roth IRA okay I. had a personal one opened up at some.

point and wonderful yeah let's do that. our tax advantage account something that. would be taxfree by the time you're 59. and a half do you know the statistics. around day trading I I don't but I. didn't pull from it just to pay for. trading I pulled from it to pay for rent. so wait you've been on and off for four. years and you've only ever taken out4. $400 I've taken I've taken out I've made. about 3 4,000 but I've only Tak that's. enough to. survive uh leanly for a couple months no.

what's your account at which account all. your day trading accounts is about $500. profit right now no no no no no what's. the balance buddy uh 50,500 okay so. you're trading with 50,000 okay yeah so. obviously you can day trade because. you're over $25,000 in your account. which is required to have in order to. make more than three day trades a week. it's not mine though the 50,000 isn't. mine. uh explain that so uh the 50,000 is it.

belongs to something called a prop firm. so I paid $50 for it and then another1. to activate it and there's no lost. liability though so if I blow the. account I don't owe them anything I yes. I was behind last month no what were you. smiling about I is that funny to you. behind bills I it's a reaction I trying. to control it okay uh but so you were. behind on.

payments but you just caught up because. you were able to sell an nft yeah it was. kind of a last resort and I didn't know. existed until I you didn't even know you. had it no I didn't know I didn't want to. sell it and then I had just got to the. point where I was so behind that I kind. of had to what is our plan for income is. there another nft waiting no and we know. that you can't do deal with at least a. single responsibility in your life well. and I especially can't deal with them. when I'm dealing with everybody else's. responsibilities as well so I'm sure.

that's a big load of [ __ ] on. everything youve said this entire. conversation because you've lost all. reliability as a trustworthy person you. can believe what you want to believe I. mean not to believe that after this. entire conversation come on we're 40. minutes into you around and being a. child yeah come on on in life not in. this interview but you're actually I me. you're giving me what you think but you. are a literal baby you were like just. born I know I'm insulting you I like but. I don't give a like I mean it's I'm kind. of disgusted by your existence like I.

it's a. [Music]. joke it's been 5 months in that time I. had quit multiple jobs began door. dashing full-time was forced to find new. living accommodations took a trip home. for a week continued donating plasma and. working on my day trading got even more. behind on most of my bills my credit. card probably got worse but starting. this next month I'll be taking some. decent Siz chunks out of my debt to. hopefully be debt free sometime in 2025.

I don't think I missed anything things. got slightly worse after my episode but. they say things get worse before they. get better so we're close to getting. better oh yeah I also roped one of my. friends into day trading and he's making. about five times more than I am because. I'm that great of a role model why have. you quit multiple jobs and being forced. to to live in new things and roping your. friends into day trading listen they're. doing well for now but there is no.

guarantee that they will this is a. disappointing update I'll be honest but. this is what happens when we film 4 five. times a week we're going to have people. that do well and we're going to have. people that do less our method has been. proven to work and we're going to share. information at I'm going to share. information at that at the end of this. episode um but even with the ups and. downs even with more UPS than Downs. there are downs and. I don't know you might need to come back. on Reach Out come back on you might need. a good slap in the face hi my name is.

well and I'm 35 hi I'm Hannah and I'm 35. and we're from Gerald Texas and this is. financial audit you don't trust her your. wife you don't trust your wife uh well I. mean I trust what that came down to yeah. okay maybe that came out wrong um but I. mean I have I think insecurities about. based on what based on. on um I mean I think that we have a. different idea sometimes of wants versus.

needs I think we might disagree on what. type of furniture is needed for the home. but I think that home environment is. important important is different than. need I know need is survival I think. that to mentally be. okay a home life needs to feel homely. and not bear in so if we could loop on. to that really quickly not to try and. divert away from the fact that I believe. that a house feels homely and it feels.

good and that is an important need for. we have two children MH I I feel that I. too do cannot trust okay if we combine. she specifically chose not to watch the. channel yes uh you wanted to come on you. pushed to come on as a couple and you. didn't want to see anything because you. didn't you wanted to be surprised which. is I mean. that's awesome by the way um that's like. Brave as as it gets but um toito here is. typically stopping at a gas station.

getting some B purchas cuz we don't know. what it is and there was this guest who. refused to give up literally getting. Taquito for dinner every day God so. inside me it's a Dr Pepper understand Dr. Pepper his Taquito Dr because we. apparently we can't buy those in bulk at. Costco I do I do that as well oh good so. and over in abundance is what I'm. hearing actually from this side of the. desk. we have an overabundance of taquitos at. home you guys are just getting your. wants you're just flowing and swimming.

in your wants when the needs are just. barely being taken care of luckily no. purchases but $52 52 of Interest acre on. this city Preferred Card with a balance. of. $2,434 so now we're at almost $133,000 a. credit card debt mhm only minimum. monthly payment being paid on this but. again Mount Playmore much more important. than a show card yeah balance. $632 it's weird how that sounds good. after you're multiple thousands of. dollars on other cards feel like we have.

a cycle of cars constantly coming in. that's not even on this debt which then. occurs more debt because then we have to. fix the card and on the GP. $4,195 with a monthly payment of $24. what's the interest on this thing it's. like 20. something no yeah cuz it what does it. say is that it it doesn't have a rate. yeah it's not good no um yeah so it's in. the 20s somewhere in the 20s it's like. maybe.

24 I was guessing. what I you knew about this I love that. you think I know about all this stuff. and yet you literally have confessed. you've literally confessed to not. talking to me about my finances not. sitting down and talking with me and. showing me any of these not. communicating very well feeling. overwhelmed but I love that every single. time I ask you about you go you knew. cuz every single you knew you knew that. you knew no I did not know I told you I.

well I mean I told you I paid $24 for. the Jeep every month I told you I had to. take out a loan I you I you there it. should be we guys this is a disaster. yeah the biggest thing that is. preventing us from tackling this in the. first place is the. division uh on my strict budget $338.44. [Music]. and is that and that's not that's with. her. income yeah it's everything combined. it's all of it after tax tax we're.

walking into the summer that's why I'm. concerned but you're not saying that. we're totally sinking ship just totally. a tough CU it's like we're our expenses. are higher than our income during those. two months in the summer no it it's. sinking but in order to patch the holes. it currently takes 80 months to pay off. our debt so 80 months before you're. allowed to have any paid for fund oh. like come on that's unacceptable we're. going to be in our 40s right yeah cuz.

and a half years right so that's. unacceptable and that's not even taking. into account that you we are underwater. in the. [Music]. summer we started making progress after. the episode and we're really excited and. things got really stressful as a result. over the summer we started going back we. started going back to our old ways and. lost most of the progress we made we had. a few issues with our cars I ended up. selling my Mercedes and Jeep though I. didn't make much profit and after paying. off the terrible loan on the Jeep I used. the remainder of the money to put down. on a Ford Maverick I have a car payment.

now but I'm getting about double the gas. mileage and I'm not spending anything on. maintenance I was previously spending. close to $500 a month on repairs for the. old cars my wife did end up getting. hired at a new school district and is. making more now than she was before. currently she's driving about 30 Mi each. way for work every day and paying about. $5 in tolls so we're moving closer in. January and and downsizing our current. houses rent is up to. $2,158 plus there's about $250 added on.

for pet rent HOA smart home fees utility. management fees Etc so it's closer to. $2,400 a month we found a house that's a. few blocks from kti's new school so when. it's nice she and our older daughter can. walk to school the rent is. $1,850 and there isn't any HOA or pet. rent or anything like that so that. should be a lot more manageable our. younger daughter also got into daycare. for employees which is cheaper and. includes lunches so we'll be saving. around $200 there the other major thing. that changed is that my wife and I.

really started looking at our mental. health and talk to doctors so she's in. therapy now and I'm on anti-depressants. which I think has helped with our need. and cope spent but we still have had. some missteps we had a couple of trips. to visit with family and that ended up. costing more than we were really. comfortable spending so we're recovering. from that I was reached out to talk. about a follow-up but I've been really. busy with work because we do a lot of. Industry shows just before the holidays. I was in two other cities every week. until Thanksgiving I think after we move.

we might be able to if there was. interest in having us back I think we're. moving in the right direction now but we. still have a long way to go the real. struggle is staying consistent and not. making mistakes that set us too far back. and not making mistakes that set us back. too far really sorry to hear that the. contract wasn't renewed but that you. guys were excited and uh you know. started making some progress going back. to your old ways it happens when life. gets stressful this what happens when we. don't have an emergency fund to cover. those uh those hard moments in life so. missteps they happen the cop spend it. happens trips with the.

family it's hard to say no to just gets. really difficult in your guys' situation. man I I I know the struggle is. consistent and the mistakes are setting. you guys back far you really just have. to hold each other accountable listen. everyone liked you guys you guys are. very pleasant people I'm happy to hear. that things are going well therapy and. that mental health is being taken. seriously and. get you guys back on here sounds like. you might need it okay hi my name is. Brooke I'm 28 I live in Austin Texas and.

this is financial. audit it up so bad yeah well I just. forgot to pay it and so then they closed. it and then I need to pay it you have to. forget to close it for quite a while for. a few mon they reach out well I never. reach and you also have mail and apps. and emails and phone calls and things. that operate in Civilization so but it's. easier if you just put it over there you. know put it over where where you don't.

think about it in the space where you. where it doesn't exist and I think. assuming it has credit which is why when. you go apply for these credits you're. not getting approved right so but the. other payday loans do approve you. because it's such a high interest so. I've just been borrowing from myself in. that manner cuz sometimes I can't make a. payment at a certain time and I don't. want the payment to be late cuz I don't. want it to affect my my credit but the. payday loans get paid off what is your. life what are you also I don't want to. like go of certain opportunities like.

being able to go out and have fun have a. good time why that the budget again you. don't not make any money so why don't. you put those experiences and things. that you value into the budget why don't. it be in the budget and then you stick. to the budget and then you do those. things but you do them in a way that you. don't just often have to borrow payday. loans I think why make a budget if. you're not going to follow the budget. well that's true and that's why I. haven't made a budget in a while cuz I. when last time you made a budget like. two or three years ago when I was moving. so I think3 I went out a lot with.

friends and so the experience is going. out getting drink why don't you get a. little like pregame you're spending. $1,300 more than you make a month how. can you afford to buy drinks for other. people you're buying payday loans I've. done it so I've done it so yeah via. payday loans yes she knows her numbers. dude it is 609 I'm on it but that's. worse that's worse. cuz you know it and you do it yeah you. don't have an emergency fund meaning if. anything happens you have a car you. drunk drive you hit something guess what.

you total that car you're not going to. replace that car you don't have an. emergency fund something pops up. something medical family a a trip a trip. cuz someone passes away you never know. what happens an emergency is an. emergency is an emergency and you don't. have a fund and you know how much you. spend I'm going after you know how much. more you spend then brings in but we say. no how much was the speeding ticket it. was like 600 something dollar. oh wow those are expensive yeah don't. speed dumb it that I sto speeding that's.

someone who definitely doesn't well it's. Texas I mean everybody speeds in. Texas all right it's fa out here I'm. inviting comedians on the show guys you. don't have insurance yes but I'm I'm. working on that no no no you can get it. in a 30 minutes how long you been. working on it how long have you been. working on it's really expensive for. it's really expensive you spend $600 a. month going out to eat you yeah I could. probably yeah put that to that what. happens if you get in a car crash now.

cuz now you're not insured at all and. now you don't have an emergency fund I. drive a lot safer now that I got a. ticket I mean I'm just saying I only. drive to the bars I refus to get a uber. I got a speeding ticket for going quick. and it's a $600 one it's going to go to. collections before you know they're. going to feel like oh I'm not getting my. 441 let me sell it for pennies on the. dollar and then they're going to try to. fight to get it they've been calling me. yes yeah but pay it no okay now how much. is in your chicken account right now. like. $78 how you make too much money for that.

how possibly oh wait I know cuz I've. seen your checking account I'm going to. die what is your preference for your. consumption of the Nick I just Vape but. it's only when I'm drinking like it's. probably after a night of drinking stop. yeah you're spending a lot of money at. the place you work at I. you are a toddler you are a toddler and. an adult body managing people somehow. what kind of they're going to garnish.

your wages they're going to get their. money through a worse way they're going. to take it before you see it okay I. didn't know that what are you why do you. think that you are entitled to that not. entitled I just didn't want to I just. figured nobody else is paying it they. would what do you mean nobody else is. paying we're all paying oh. more savings more savings and situated a. lot of debt now I'm just paying off. student loans and car can't wait to.

follow up love the more savings and. situated a lot of debt and paying off. your student loans in car can't wait to. do a follow up with you as well hi my. name is Paige I'm 26 from Austin Texas. and this is financial. audit I want to ask you this out of just. legitimate. genuine not as an insult okay. are you dumb no I'm sorry like. legitimately are you not smart.

okay okay you recognize yes I move. around a lot but most of that is like. for travel for like fun things that kind. of thing like and I can hand on not. being an extravagant spender did you. just hear the things you said do you not. even know what words are for me that's. what's important to like to travel to. see things then what the are you going. to do there's the frugality in that do. you not know what you're saying do you. not want to know what any of those. things even are do you not know what. things cost money so do you have any. point that has any kind of standing or.

is this all going to be [ __ ] it's. not [ __ ] that was [ __ ] and what. you said before that was [ __ ] so. where's the non- [ __ ] yeah I have my. bachelor and my MERS in economics what. the what. the no way oh you know what the fees are. enough we better go ahead and purchase. $2,612 essentially more than we make. from our day job in a single month on a. card that a crewing interest in getting. damn fees does that make sense are you.

stupid H what I'm going to Switzerland. oh my when when po this is not funny. shut the. up in. January your life is on the line here. dude and it's clearly all a joke to you. you don't give a go I'm sorry I'm just. being mean to but I do not like your. personality you are such a what there is. no word to describe you hasn't been.

invented yet I need you're a bent it's. not a real word I just made it up moist. and bent and love to simar at me cuz you. qualify for that you need a new word. you're a bent you are a disgusting bent. not disgusting but you're a bent bloody. peasant a is. [Music]. bent still living laughing loving and. dead in hope you're actually paying off. some debt as well hi I'm Savannah I'm 25. I'm from Austin Texas and this is.

financial audit so what is your. financial situation what what are we. looking at here today I would say it's. pretty bad so like oh okay so your. parents convince you both to open up. credit cards yes okay okay no offense. but this is not one credit card that. we're going through you also have like a. really stupid car debt did your parents. make you get really stupid car debt not. well okay so for that um. they pretty much had like no money so.

they were just like here to so stuff. what what does your parents having money. have to do with it it's your life you're. an adult well it's like do you blame. your parents for everything well right. now they're kind of like they didn't. really teach me anything about like come. on no one credit no one gets taught that. in America any money they can give me I. accepted and I also did Summer schol you. mean like student loan providers yes so. the government student loans and they. told that to me my brother and then.

pretty much my other siblings too like. oh we don't have money for college so. just take out the loans and we'll help. you pay for it after you're done with. college and now that those are back bit. weird I would love to hear their side of. it though if they would agree that. that's exactly how that. transpired it I would say it's like not. their exact verse but definitely like. hey do do the fasta do this and then we. will pay for it we will pay for they. took out the parent Plus loans and. they're like what about the ones you. took out they said they would pay for it.

they said don't worry about it now wait. till you graduate and then you can get a. job you'll be fine can you afford. this I can kind of afford SPO alerts. late payments coming can you afford this. how the why the you have a Disney card. so ironically it we were at Disney and. they were offering a promotion will give. you I think it was like at the time like. $500 if you sign up for a Disney card. and you get approved and I was like oh. that seems like a good idea if we go to.

Disney so I signed up and then they. approved it and if you spend a certain. amount you'll get that money back so. then I spent it for another Disney. vacation to get the rewards dollars and. at that time my parents were also like. oh we'll help you pay it. back and this thing would they would I'm. just I just need you to know would they. agree would they agree if I called them. right now would they say yes that's what. we said we said we will pay back all of. her little debts if she take us out the. debts they' probably say yes.

but but but they'll probably like oh. well she's an adult she can pay it it's. a. $5,799 are we blaming this on the. parents again or what the going on here. that was me a few years ago struggling. to try and make it on my own and they. sent a check in the mail and I was. trying to pay rent oh no. IDE oh no it oh it was one of those loan. checks yeah oh I obviously they they.

wouldn't exist people didn't take them. out but I've never I don't think I've. ever met anyone who actually took it out. that's that's wild yeah that's wild and. instead of working more this is the. wakeup call that is critical you could. have put you could have done you could. have put half down with the insurance. money you just you went with a $20,000. car yeah pass do $40 what are you doing. so that one come on dude I mean this is. just. basic yeah that one's going to be along.

with the other ones. of. I'm trying to pay but by the time I. could no you're not make you're not. trying to pay again $900 something. you're not trying to pay so I'm not I'm. I'm sorry I'm not going to allow you. to. buself cuz you are not trying negative. money but we went and spent $500 on one. that was a slurge so it's a. [Music]. salon I was unemployed for a month that. sent me back financially but I was able.

to get on unemployment for a couple of. months until I started a part-time job. at HB then I was able to get my contract. back now I'm working 7 days a week as a. part-time Baker at HB on the weekends. and weekdays at my remote job with apple. it took a while to bounce back from. paying late fees and catching up on. payments so now I'm focused on improving. my credit score so then I can refinance. my car for a lower interest rate so I. feel more optimistic financially going. into the holiday season and. 2025 yeah I know that you were dealing. with a potential contract ending that.

but you know unemployment you paid into. it so I'm glad you received it um but. I'm glad that income is starting to make. some monies now improving your credit. score to pay off your or get a lower. interest rate on the car I don't know if. that should be the focus maybe just pay. off that car but it's good to be. optimistic maybe the goal isn't correct. though focus on paying down the de. instead of just refinancing it that is. not our ultimate goal here people I hope. you guys enjoyed seeing where everyone's. at these days a lot of followups to see.

and a lot of follow-ups have been posted. on our financial audit followup Channel. make sure you guys are subscribe there. we're going to be doing a lot of. followups in the year of 2025 but the. exciting numbers that I said you guys. would find out what they mean well you. stay to the end so now you get to find. out what they mean it's exciting I like. to do an annual update of all of our. financial audit guests from when we. started recording two and a half years. ago and see what the average and median.

debt payoffs are see if what we're doing. is actually working see if the proof is. in the pudding CU we would change how we. do things if it's not working but good. news guys it is as of now and this is. yes some people actually making negative. progress but most people making positive. progress the average for financial audit. guess debt payoff is is. $10,500 in 11 months and the median for. those who want the median I know you. requested that last time is $10,000 in.

10 months so Financial audit Works. ladies and gentlemen you get to show up. here every Monday Wednesday and Friday. learn some things get out of debt stay. disciplined and also be entertained but. we are seeing real progress and tens of. thousands of you I have heard from you. and you are making actual changes in. your life for the very first time.