Pampered Princess Thinks Poverty Is Easy | Financial Audit

I enjoy being funemployed. What did you. call it? It's like unemployed but. funmployed. Being a lazy moocher of your. parents. I'm a girl. Like that stuff. shouldn't matter. I've been through so. much to get to the point. Oh, let's hear. about it. I was literally raised in this. neighborhood where everybody was. wealthy. Everybody had like daddy's. money. I did not have a private debt. growing up. Oh, I grew up in a house. with money. No, you've grew up in privilege beyond. privilege. It's only the people who. speak like you that grow up in a world.

where you've never had to do a single. thing in your life. Hi, my name is Grace. I am 24 years old. I live in Austin, Texas. And this is. Financial Audit. All right, this is going to be an. interesting situation. We haven't seen. someone in a situation like it's a. unique a unique a lot of dependence. happening here. It's going to be very. curious to dive through and I'm excited. It's a different story than normal. So, what do you 24 years old? Yeah. Here,

same town hall in Texas do for a living. I that. pause. Why was there a pause? I just. dislike this question. I just You. dislike the what do you do for a living. question? So, like like um I'll be on. dates and stuff like that and they'll be. like what do you do for a living? Like, well, they're they're looking for a. partner. Unless they're looking just for. a quick bang, but like I'm a girl. Like, that stuff shouldn't matter.

What What should matter? Um, well, I. mean, like, I'm the prize and like the. guy is the one where you should really. care about like their like living. situation. Do you want to be a trad. wife? Yeah. Okay. I guess so. I guess if. it means that, yeah, I guess so. Well, is that what you want to be? You want to. not work? You want to stay at home? Um, honestly, or do you want to work or I. don't even know. I'm like still figuring. that out right now. Like, you hate that. question though. Yeah. Like because it. shows what kind of person you are. No, cuz I have no clue what I want to do.

with my life. That's the thing. Like, why don't you say that? You can say. that. Yeah, then I guess that's true. But yeah, I want to find something that. I'm actually passionate about doing, not. just like something boring like tech or. finance, like all these things. But. they're saying, "What are you doing for. a living?" you can be. So, I'm still. figuring things out right now and I'm. probably going to get another job either. in retail or in the service industry. while I apply to an internship program. that I've been looking at. And um but at. the same time, I would like to take more. control of my finances since right now I.

feel like my finances aren't really my. finances. They're um for the longest time I feel. like my parents have been giving me too. much cushion. Too much cushion. Yeah. Oh, why don't you call them? Hey, no. more cushion, please. Since I don't. since I'm currently unemployed, technically. um yeah, technically I just finished No. Well, I mean, I just finished an. internship and um I'm still kind of. figuring out what I want to do right. now. I'll probably end up doing like.

another like temp or internship job just. because I'm trying to like get some. experience, you know. Okay, you're. 24. What have you been doing since 18? Um, honestly, I'm a late bloomer. I have. autism. So, but I need to stop making. excuses. I need to stop using the autism. as a crutch cuz a lot of people with. autism make a living and live life. Yeah. Yeah. No, for real. Yeah. No, I. need to stop using that as like a crutch. and like actually take control of my.

finances. Trust me, autism flows through. this office like a hurricane. So, yeah. But they all work. Yeah. No, I need to. like get my ish together and start like. ish. Yeah. Is that. Oh, okay. Yeah. What was the What was. the internship? Okay. So, I was working. at a tech company doing um program. management and Okay. Well, that's what. you just ranted about being against, but.

okay. Um, I'm not necessarily against. it. Like, I mean, I love my boss and I. loved everybody I worked with. I love. the company. It's just like they didn't. love you enough to hire you for a. full-time job after the internship. Sounds like. it. It's just a hard conversation, you. know, because I I've just been really. like struggling in what I want to do. Struggling how and what you want to do. Yeah. And at the same time though, I do They. refuse to let you pay your own bills.

They want me to pay my own bills and we. even have arguments about it a lot. Okay. So, it doesn't sound like you're. trying to convince them that they're. giving you too much fluff. Yeah. No, they already know that they're giving me. too much. Yeah, it sounds like Yeah. No, I definitely I definitely need to like. start like paying my own bills, like my. own like car payments. Aren't you You're. 24. When were you When did you finish. college with a psychologist? I finished. college actually last year. Okay. Okay. Yeah. And I was held back. So, no,

that's fine. So, a year. How long were. you in this internship? I was in the. internship from about March to. August and I really enjoyed it. And. yeah, again, I would like to say like I. had like the most amazing boss ever. Um, she was such a great mentor to me, but I. just ultimately decided that it wasn't. for me and decided Well, it was Are you. applying to jobs right now? I have been. Yes, I have been applying to jobs. But. then at the same time, it's kind of But.

then at the same time, I've been enjoy I. have to admit I enjoy being funemployed. I like getting up and going. What did. you call it? Funmployed. I call it. funemployed because I get to just do. whatever I want to do. Like I wish that. singing employed isn't a part of that. though. You're not ployed to anything. It's not like it's it's like unemployed. but funemployed. Yeah. being a lazy moocher of your. parents. That's what I would call it. Well, I mean, I know some friends and.

stuff that just like film videos of. themselves just like casually doing. stuff and like. how do they pay for it with a job they. have? Well, it's not really like a job. if you're just like film streaming. yourself doing stuff. Well, they're. getting paid for that. Get pay them to. do it. Yeah. You're not getting paid for. that. Yeah. No, I'm not. So, I don't. give a I'm getting paid for this, but I. worked a full-time job until I could pay. myself with this. You don't just not. work, live off of mommy and daddy,

acquire no skills or independence, and. just be a lazy your entire life and hope. that people follow you because you're. young and pretty with blonde hair. Like, yeah, that's not how life works. For. some, yeah, there might be some lucky. things. Maybe you'll get lucky and say. Hawk 2 and then all of a sudden No, that's what I was hoping. There's been. so many instances where like I'm on. Sixth Street and I'm hoping to get in. one of those like street interviews so I. can like go. You There's like 50,000. street interviewers on any given night.

She just got lucky. You're basing your. entire life off of Hawk 2. Not exactly. I just want to get viral. doing something and so I can like start. selling merch and start making it into. my brand and actually use it to funnel. into my other merch. What would your. merch be based on? I don't know. Unemployed who mooches off of parents. Buy my shirt. Ah, that's more catchy. than hawk too. Yeah. No, my poor parents. though. Like I I apologize. Poor out of.

all the mooching you're doing. Yes. Yeah. Yeah. What is what is your financial. situation, please? We're about to go. through some documents, but just what is. this? Well, I mean, I my internship the. last internship I had was a paid. internship. So, I I pay my utility. bills. I pay um I pay for night for like. some of my food. I pay for some of my. nights out. Um I. What? You just pay your You don't pay.

your rent. Um you pay just your utilities. You were. bragging about just paying your. utilities. Well, yeah. That's part of. the reason why I came on the show. Yeah. I That's why everyone comes on the show. Oh god. Yeah. I live I just got to admit. I live in downtown Austin. I don't pay. rent. I'm like one of those like spoiled. rich kids that doesn't pay rent. What do. your parents do for a living? I love my parents so so much. Um it's a. great answer. What do they do for a. living? They were both lawyers. Were.

they're retired? My dad's retired. Yes. Okay. Mom's dead. No, she's still alive. Oh, okay. But yeah, they're they're both like Do. you get like an allowance or how does. this work? Well, I mean, where I'm. staying is technically like No offense, their place. We talked about dating. Well, what do you put on your Hinge. profile for a job? Like when people ask. you Yeah, I see why you were triggered. at the beginning in terms of what do you. do for a living? the easiest first.

question I could ever ask on this entire. show. And I see why you were triggered. Mhm. Because you're just a spoiled brat. So like every time you go on a date and. we're talking about how they're actually. making progress in life and being. productive members of society, they want. to see what you're like and you're like, I mooch off of my retired parents. because I. want to get Tik Tok famous. Also, you're. not going to get Tik Tok famous from. this show. So I hope you're not thinking. that. They won't be able to find you. Your name's fake. And I'm bleeping that.

No, I know. I know. But um yeah. Anyway, yeah, that's why I'm trying. I'm. a recovered spoiled I'm a recovering. spoiled brat. Not recovering. You're. still being a spoiled brat. It's like. saying I'm a. recovering alcoholic after downing like. 50 cans of beer that day. What are you. talking about? You're not You don't have. a job. What is the plan? I've been through so. much to get to the point. Oh, let's hear.

about it. Oh, let's hear. What have you. been through? What has poor widow you. been through? Well, I grew up with a. disability, but like at the same time, it was autism, but it was really bad. It. was really hard. And I was like bullied. all throughout growing up. I was like. held back. All my developmental I'm. reaching my developmental milestones. now, okay? Like it wasn't until like. college and stuff where I started to get. my first like my first kiss, all that. stuff. Like normal people like go. through that in high school. I went. through that college in my 20s. I I. didn't have a single sip of alcohol. until I was like 22. Well, that's fine.

I don't What is that? The alcohol and. the kiss matter. But like I guess if you. were bullied, I get that. That's sad. I was literally called like Miss Piggy. in middle school for being overweight. So Oh, take that. Middle school bullies. Take what? They can't take anything away. from me cuz I don't have a job. But. yeah. Okay. Oh yeah, that's me. I have. nothing to lose. Um, usually when people. say, "I've been through so much, there's. like a lot of a lot of really bad. thing." I'm not saying that being called. Miss Piggy isn't bad. That's really.

mean. Oh, people get teased all the. time. I was really thinking when you're. saying all this is this because I've. been through a lot. That's like a death. and abuse or just I'm not I don't want. to downplay for some stuff, but like I. can't talk about it on the show. Then. why the are you on the show? just to like get a get a handle on some. of my bad spending habits honestly and. just to get some like tough love like I. am right now. Yeah. Honestly, you're not. going to get in control of any of your.

spending habits until it's your own. money. You have no respect for money. Why would you? You just get it all from. your parents. You have no respect for. your money. Part of me kind of wish What. is the balance on this credit card? Because I don't have it. Because we. asked for a statement 15 times and you. somehow couldn't pull one. Yeah. Blow it. me some more. I love air on my face. I'm. so sorry. Well, I mean, technically it's. not my credit card. It's like my joint. credit card with like my of like my mom. The only thing that I'm in charge of is. my debit card. It's a companion card.

Okay. So, why is she on this with you. though? Because she's trying to help me build. good credit. What is she. just my own? She just knows if I had my. own credit card that I would be in like. massive amounts of debt. Not going to. make it to this one. Do you remember the. question that I asked by chance? Why couldn't you guys Oh my gosh. No. I. asked you what the balance. was on this credit card. I'm not sure. what the balance is. Okay. Do you have. the app? Yes. Turn on your phone. Go get.

it if you need to. Okay. I need to know. the balance. We're trying to get your. finances in order and you literally. don't have a balance of one of the few. documents that you have. What in the. world would you think I can do with that. when we asked you to pull a statement. 1000 times and you couldn't pull it. once? A statement. The easiest thing in. the world to get. Oh my gosh. I do have a credit score though. Oh, you.

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meetfabric.com/caleb to apply. That's. mefabric.com/caleb. Thank you to fabric. for sponsoring today's episode. Now, let's jump back into the video. Right. Wait for it, guys. I have arms and legs. Sorry, it's just loading. But yeah, honestly, like I just want to be like a. stay-at-home Pilates wife. Like, I'm not. going to lie. Like, this jobs and me. like do not get along. I'm right here. Yeah. Oh, sorry. I'm just like sorry. I'm just like.

dude's been trying to film too many Tik. Toks. You don't you don't know where to. look. I'm here. Okay. Yeah. No, I know. It's a person. We're having a. conversation. Yeah. Okay. Where's the. Oh, good. Next. Okay, guys. If you want to be on the show, I'm. not even going to try to figure out her. hammer financial score. Uh, get your. Hammer financial score for free. Link in. the description. If you want to apply to. be on the show and please know how to. pull statements if you do go to.

calebhammer.com/apply joint credit. card. See someone like you I would want. to have like I recommend it to everyone. on the show. I want you to have like a. charge card instead of a joint card with. your mom build a credit score. I want. you to only be able to spend on a joint. on a on a card like the Fizz card where. you're putting your earned money on it. Then you can only spend what you have on. it and that benefits your credit score. I just I don't trust you. You did. graduate, right? Yes, I did. Okay. Yeah, surprisingly. I don't know. I Okay. I.

know. You talked down about yourself in. terms of like your abilities to do. things and I really think you're more in. your own head. I get it that you have, you know, flown through the veins and. that's fine, but a lot of people have. that and there's a lot of productive m. uh productive members of society. I. don't want you to Oh god. just count. yourself out and force yourself to Would. you be able to hand Would you be so. bored being at home all day? Wouldn't. you? Well, I mean, I would run. I would.

go to Pilates class. I would hang out. with my kids if I had any. Okay. I would No, this is what I would. do. I would get up every morning. I. would go for a run. Then I would get. Juiceland or Sunlife Organics. Um and. then I would go take my kids pool. And. then um you sound like a wife I'd. divorce after 5 minutes. And then after. that I would pick them up from school. and then I'd make some delicious dinner. for my What can you make? Okay, just get.

the statement. Pull up the credit card. My No, wait. So it's a statement like. the like previous activities. Literally. just pull up the app of the credit card. and I will look. Oh my I'm going to die. I'm going to screen record this. Oh. help. Oh god. And we can blur everything. Yeah, that. is bad. Okay. Oh no. You literally you couldn't. pull a statement when one of the first.

thing here on the entire the first thing. here is statements and activities that. you could have clicked on. Are you. kidding me? I don't know. I'm like not. the best with technology. It's not even. technology. It's just there. So, it's. literally you open the app. Okay. So, okay. So, Door Dash was reimbured. Probably a perk of the card. The Door Dash subscription. What was. paid towards the card? Payment activity. Let's find out. You haven't made any.

recent payments. What's What is this. card? I thought it's meant. to benefit your credit score, you say? Yeah, but like I only make like some of. the pay like I've only made like a few. I I make some I But your your mom is. literally on this card. So you're. hurting her credit by missing payments. Stop blowing at me, please. I'm so. sorry. I just like I'm just sighing and. it's a bad habit. But yeah, I love my. parents and I feel so bad for them. You're like And like that's part of the.

reason why I came on the show was like. they just like they've done they've like. sacrificed so much for like me and my. sister to have a good life. I'm sure. they have, but I think they're enabling. the out of you. Look at you. Don't blow. I'm not going to blow. I'm. not going to blow. Next time you blow at me. Oh god. Not. Not the squirter. I That would be for you. Yeah, but I I. don't know. Put that on your H profile. Yeah, I'm sure that would get a lot of.

hits. Hotel in London. Mhm. Yeah. I went. to London to go visit my sister there. and she studied abroad in your I don't. even know what to do here, guys. This is. a weird financial audit. I'm sure it's. entertaining, but this is so. When was the last time? When was the. last Okay, cool. Congratulations. That's awesome. So, if. your friends are in a position, that. means it's okay for you to be. And what. world is that? Okay. How does that make. sense? That's why I'm here, though,

because I don't That's why everyone's. here. Stop saying that. I don't want to. be just another one of those like. Westlike daddy's money people. So, what. have you done to fix that? Well, for. starters, I I mean, I did I don't know. I I know a lot of people This is kind of. average, and a lot of people aren't. proud of themselves for this, but I went. to college. I graduated college, which. is a big deal because growing up I Did. they pay for college? Yes. Okay. So, again, I mean, you just went to college. You did that. Congratulations. That's. great. Face ID. That's cool. But what.

have you done to separate yourself from. the Westlake daddy's money girly? cuz I. assume basically every Westlake daddy. money's girly, he probably at least goes. to college. Uhuh. I need to write down. the balance. Oh, no. I'm so sorry. Oh, it's okay. What have you actually done in behavior? In behavior. Well, I took initiative and. I did find an onampus job in college. And for the longest time, I was against. that. I was just like I was all about. Well, I don't know. I just really loved. my extracurriculars. I was in cross.

country and track and I was also in a. sorority. You are so spoiled. This is I These are crazy statements. That's I love so much. I love so much. That doesn't mean that I just get to do. them instead of reality. Sorry. Go. ahead. I know. I I'm literally so. delusional. Like I I want to live in. this dreamland and I'm going to keep. part of me wants to keep li keep part of. me does want to keep this up because. someday I feel like I am going to be.

successful enough to live this kind of. lifestyle. But at the same time, if I do. end up like moving on with this, especially now that I am funemployed, I'm probably That's not a word. That is. not reality. Never say that again. A lot of my like scamfluencer friends. are funemployed. What? I call them scam. influencers. Okay. You say a lot of fake. words. Why don't we Can we you speak. English so we can like get through this, please? Okay. Yes. Okay. So, I have some.

I have some friends that are like. content creators and stuff. I have some. friends that are like online coaches, but then I know of a few people online. coaches. What are they coaching? How to. be a dumb? No. Well, like they I have a few friends. that make like bank from like online. fitness coaching, like life coaching and. dating coaching. There there are people. out there who are like, "You don't. coach, do you? Please, please tell me. you don't coach." I do. I'm NAS I'm. getting my NASA certification. And what. is that? What is that? What is that? What is that? It's National Academy of. Sports Medicine and so that I can like.

train people and like um give people. like kind of fitness programs, nutrition. programs, running programs is something. I'm really passionate about because I. was a college athlete. Um where but. university it was D3. Yeah. So, but um yeah, that's running is. like my it it's sad. It's like running. and my and music are like things that I. want to be my thing main things, but I'm. really mediocre at both. And so, yeah, I.

have to get a So, I have so I have to. get a good. Well, I mean, I'm good at nutrition and. like stuff like that. Like, I'm good at. like I like making plans for like normal. people, but like I'm I'm saying athletic. wise like I can't really make it to the. Olympics. Why didn't you be a. nutritionist throughout college? I. should have done that. I should have. done that. In hindsight, I should have. done that. Okay, so on this card is. $4,98.14 with a. $575.68 minimum monthly payment, but I. see no payment history. So, what's.

happening? Like interest is probably. occurring on this. There's probably. penalties again. Yeah, you didn't pull. anything for us. So, I don't If you. really want to know the truth, u my. parents have been paying. No, I don't. see payments on there. I searched recent. payments and there was no it said no. payments. Do you even. know anything about your. card? And no, the balance is only going. up. So if they are making payments, they're only doing minimum monthly and I. didn't even see that. So they're not. paying it off and it's likely acrewing.

interest probably at 30%. My mom's going. to probably like go on there and like. log on there one day and be like, "Oh my. gosh, wait, she doesn't. know. What is that? How would you an. answer?" Well, like some of those pain. Oh, I'm so irritated. I'm sorry if I'm. being mean. Oh, this is what you're Oh, yeah. It's just like me and my sister. like whenever we go on trips, we're just. kind of like girl math is put on the. girl math. Oh, you both are spoiled. brats. Not my sister. My sister is one. of the most hardworking people. But like.

I. I a spoiled brat. I'm a spoiled brat. My. family is wonderful. But yeah, they have. a right to be mad at me right now. They. they are. Yeah. Yeah, we've been in a. lot of like arguments recently like over. finances. Okay, what? Tell me. Well, they're just like really upset that I. blew my chance with my internship and. like they really were hoping that blew. your chance. Wait, you said you did it. though. I did do the internship, but. they were hoping that I would get a job. out of it. Yeah, I would get a job offer. out of it. I don't see. you. Would you be able to hold down a.

job? A full-time job. Would you be able. to legitimately? I feel like you would. think you're just like entitled for a. lot or something. Like, let's be honest. And I'm just I'm basing that off this. conversation so far. I know there's more. to learn about you than that, but I just. need to get some kind of reality check. and like really like pedal to the metal. cuz I was able to do school. I was able. to like I used to be kind of a type A. person growing up. But I just got so. burnt out and now I'm just kind of burnt. out. Your life has been the easiest life. ever. It hasn't been that easy. You got.

to give me some kind of example then. If. you want if there's context, I need. context. Well, I mean, I did grow up. with a disability, but then I also like. had like a. I I'm not sure if I could keep this in. the show or not, but I I was a true. crime victim. What What happened? And then I had to go to like therapy for. it. What. happened? What is true. crime? Cuz that's like a like a I did.

not mean to say Oh my gosh. Did I say. true crime victim? I mean, yeah, I'm a. crime victim. Oh, well just what kind of. crime? You don't have to tell me what. happened, but in what sector of crime? Um, sexual assault. That's bad. Yeah, not a good one. I'm really sorry that. happened. That is Yeah, it is. But it. shouldn't have been. I shouldn't have. kept it. Honestly, I should I shouldn't. have I've been using that as an excuse. as well of why I'm not like moving. forward. Hold on. Well, no. compared to. a lot of the other things you saying.

that can actually be a thing where there. could be a lot of deep-seated trauma. that makes you afraid to get in. situations that may have been similar to. that situation interacting with certain. people. It can put you on big defense. throughout the rest of your life for a. while and that takes a lot of work to. get over. That's very valid. That is a. very valid feeling. We shouldn't dismiss. that feeling. Really? Yeah. Well, yeah. Trust me, I'm not going to enable bad. behavior, but it is okay to say that we. might have trauma from something like.

that and then go and get that worked on. That's okay. Again, we're not going to. excuse things and, you know, No, exactly. Yeah. No, I need to stop making. excuses for my trauma sometimes. Or I'm. just like one of those people, too, who. just like randomly bring up like. traumatic things that happened to me. like as if it's not a big deal. Like. that's like something that I'm always. just like, "Oh, it's not a big deal.". But like deep down it kind of is a big. deal and it has been every How long ago. was this? It was like 2 years ago but. they keep drawing it out. Um they keep.

drawing it out. APD does. Um got to love. Got to love the police good old police. department and criminal justice system. when I'm glad you actually reported it. Yeah. No, like I I almost didn't. Yeah, I'm glad you did. But yeah. So you've. been in therapy then working on that? Yeah. And I've just like I've just been. like but like because of certain things. that have happened I have been like in. this mentality of like oh you've been. through it like treat yourself that kind. of thing. But like I need to stop. treating myself. I'm not an animal. I'm.

not like a pet. Like I don't need to be. giving myself like treats. Well you're. okay. Your treats are flowerchild Uber. Eats. Uber Eats. Modern Market Juice. Land. Uber Eats. Uber Eats. Uber Eats. Uber Eats. Uber Eats. Uber Eats. Taco. Gabana. Cafe Java. Mind you this is. someone who's bringing in $0. Apple Bill. Codependent, which is Isn't that like a. coffee shop restaurant type of thing? AMC at least go to a real movie theater. Apple bill. Apple bill inapp purchases. or subscriptions. Door Dash. Door Dash. Uber Eats. Uber Eats. Uber. Dude, you. live in the heart of downtown. You're. Uber eating up to the skyrise. Come on. European Wax Center. I know you're going.

on a date this weekend, so I get it. Tricon Coffee, Westwood's. Liquor, Bread and Company, More Coffee, Panera Bread, Starbucks Store, Apple. Bill, Turnups, Cider House, Some other. Restaurant, Nanny Fannies, and King Arms. and Campus Stores, and Asian and Tavern. and Tavern and uh Apple Bill or. subscription or something. That was in. London, Oxford, Brass. That makes sense. Moon in the chemist cafe Nero Code Bar.

Apple. These are big inapp purchases. What? Sorry. Just like reading it back. like I just feel like I'm such an idiot. Flowerchild. Uber Eats. Uber. Eats. Okay. That's a lot of money to. spend that you literally do not have. And there is more spending in your. checking accounts. Mhm. You don't have. money in your parents. What? I don't know. It's just I I. whenever I get nervous, I like laugh. sometimes. Do your parents know that.

you're spending this much on this crap? They kind of have some kind of idea. I. mean, my my dad would I really hope he. doesn't watch this because he's going to. freak out. I hope he does. I think we. should call him because you're literally. the trauma is the trauma. That's true. But this kind of spending that's not. that doesn't we don't necessarily man. It's it's difficult. Yeah, it's unacceptable. It's It is. unacceptable. It's money you don't have.

You're relying on them. Mhm. So, it's. absolutely insane. How much do you think. you spent last month in total? Obviously, income was nothing cuz. congratulations, you don't have money. Actually, you did get your last payroll. check, but now that's nothing. What do. you think you spent? Maybe like a,000. bucks. Uh $7,549. What? A,000 bucks? You went to Europe. and you're telling me you think you only.

spent $1,000 when we already saw a hotel. that was basically that much? Are you. kidding me? Oh, you're not going to. survive. You're not going to survive. You are not going to survive. Oh, you. need. go through our budgeting program. Go. through all the quizzes. Go through the. whole educational thing. And same with. the investing one as well, cuz I know. there's investments at the end that. we're going to talk about. Go through. them. Take all the quizzes. Take your. time to go through them. If you guys. want them, they're bundled at a 15%. discount, by the way. Check that out. But you need to go through that. You. need to look at your expenses on a.

month-to-month basis. See what you're. trying to get out of the budget every. time and adjust that for the next month. No, I do. Oh my god. A lot of people. were telling me to make like an Excel. spreadsheet or something, but I just. never got around to it. Dude, it's even. that you could just use an app, a free. app or a paid for app. I don't even. care. It does it all for you. 36 different restaurants. Yeah, I live. Huh? You what? Yeah. I don't I don't.

know. Like. I I all my friends and stuff like are. constantly like going out to eat. A lot. of like people I know are constantly. going to these like really bougie. restaurants and like I don't know. I. don't want to feel like I'm missing out. just because I don't have like some. cushy like job like they do. This is. what Okay. Okay. H so many things to. unpack there. So many things to unpack. there. One, you're not entitled to. sh. They are working. Mhm. And they can. treat themselves with their money that. they are earning. You are not entitled.

to living their lifestyle. Mhm. You have to put when you're raised in a. certain lifestyle. I was literally. raised in this neighborhood where. everybody was wealthy. Everybody had. like daddy's money. Everybody went to. like Pilates, the fancy like juice. places. Everybody did this stuff. Everybody went on fancy Europe. vacations. I had a friend for a private. jet. I did not have a private jet. growing up. Oh my gosh. You have my. sympathy. This is horrible. But. literally like it's just like you're. used to something and Oh, I grew up in a.

house with money. No, but part of me think wishes that I. wasn't that I wasn't raised in a house. with money. That I would actually I grew. up in a house with foreclosure. notices. No, you don't. Mhm. You don't. know what that's like. You've lived. rich. You're living rich. You don't know. what it's like on the other side and you. would never want to be there. That's. hard. I'm sorry. Well, that's fine. I. had a friend growing up who kind of.

struggled fin or her family struggled. financially and it was just like really. hard. Um, I'm not going to go into too. much detail about that just because like. this friend I want to protect her. privacy, but um, at one point she was. homeless and um, one of our families had. to take her in because her her mom was. like constantly like changing. apartments, like changing where she. lived to get lower rent. She didn't have. any food in the house. It was the crazy. thing is and I I don't want to go as. extreme as homelessness, but you almost. need a taste of that cuz you have no.

respect for the dollar. Honest I see homeless people on the. street and I do give them money because. like I I just feel so bad like I feel so. bad for them and I wish that there was I. wish we lived in a world okay let me. just say like you've never lived in the. real world. I. haven't admit that. But like what if. there was a world that we lived in and. everybody had money and everybody was. able to live comfortably like go to the. dream show and talk about the dream.

world. That's not the world we live in. So yeah, that's a waste of time to talk. about. Yeah, we're talking about the. reality of what we live in. Reality. sucks. Capitalism is bad. I don't like it. Yeah. Really easy for. someone to say that grew up in a really. nice house in one of the best school. districts in Texas. Who has the rent. paid for? That is able to go to Europe. and on a whim with her sister, who's. able to do girl math, who's able to be.

fun employed. Yeah, it's easy to say. that the system's bad when you're doing. that cuz you've never had to work for. it. You never got to actually see what. happens when you put in the work and get. benefits and actually have a little bit. of responsibility and actually build. something or do anything. You've grew up. in privilege beyond privilege beyond. privilege beyond privilege. It's only. the people who speak like you that grew. up in a world where you've never had to. do a single thing in your. life. So, I don't want to hear about. that. What a joke. I'm sorry. I just.

wish everybody had like But yeah, like. you were saying that I wish a lot of. things. Wishing doesn't get people. places. You're trying to create the best. systems possible. This doesn't matter. Oh my. If it's the best system possible, then. why are there. people who are like shut the up? I'm not. saying this is the best system possible. I'm saying we don't do the I wish this. is how it all is. You try to create the. best systems possible to give people the.

opportunities to live the best lives. I'm not saying everything's perfect. I'm. not saying this is the best system. possible. I don't know. Everything's a. hypothesis. It's Yeah, but for you to. say that is disgusting. Yeah. No, I. know. I'm I'm I'm I'm a real hypocrite. for that. But the people who you should. be going after are the people in the top. percent that like hoard all the world's. wealth. Like go after those people. Those people need to be taxed and that. money tax to the max. Yeah. What does. that even look like to you? You probably.

don't even know what that looks like. What does that look like? How do you tax. someone to the max? I'm not sure. I have. somebody else. Interesting. This person's voting. Yes, I. am. And I already know who I'm voting. for. And you literally can't describe. attacks. I'm This is great. Well, I. mean, I do technically have a disability. and was held behind. Oh, shut the up. Yeah, I have autism. I know I have. autism. I have friends of who have. autism and at the same time they're.

living off of social security. Yes, but. you live in a rich. And again, I'm not even saying people. shouldn't be tax more or text less. I'm. not even saying that. It's just I'm just. shut the up for a second. I'm just. trying to get when someone just throws. out like that. I just want to see them. try to explain it. And you can't even. explain what a tax would look like. What. a. joke. Not even saying you're wrong or. right. It's just you can't even explain. it. I know. I know. I know. I don't I.

don't know like anything about the. subject. You have any other debt except. for that card? Any other debt? Except for that card? Not really. I don't have any debt. How. much is your rent that they're paying. for? Well, they own it, so it's mostly. just like HOA fees and stuff like that. My producers are telling me you're. lying. Am I? You owe for a class. Oh, yeah. I Well, I. got this like social media package from. like one of my like besties cuz she does. like social media and like.

what? She gave you a package? Yeah, it's. like a course on social media cuz like. of. hers she teaches it. Yeah. Well, she. teaches it but she's also worked in. corporate. She works in corporate social. media. Okay. Okay. Wonderful. Wonderful. Wonderful. What? I'm I'm I'm thrilled. Okay. Follow. me. She didn't give it to you. You're. paying for it, right? Yeah, I'm paying. for it. So, she didn't give it to you. Your friend is making money from you. I. know, but like I want to support her and.

I want to support her business. Oh, so. it's that. Yeah. Okay. Well, you made it. sound different. You made it sound like. she's giving it to you so you can learn. I don't know. How much do you have to. pay her. for money you don't make? Like $2,000. No. What are you getting. from $2,000? Oh my. Well, I'm getting. like five strategy sessions. And also, she's helping me out with like make. learning how to like make captivating. content, strategize, make reals, that. kind of thing. I'm How many followers. does she have? She has like 5,000. something, I think. Yeah. You should not.

be famous. No, but she also work she. works in corporate. She works in. corporate. Yeah, she does social media. like market. She does marketing for um. or she used to do marketing for Kinder. Scott. So, anyone that has a marketing. job goes out there and sells a $2,000. course. You should sign up for it. Yeah. Well, I mean I I'm I'm going to sign a. course. Like it's like not on that, but. like hey Clara, it's a smart it's a. Clara you graduated with marketing. worked in marketing for a second. I. think uh I have someone to buy a $2,000. marketing course if you'd like to make a.

quick 2K. Well, not you worked at. marketing for a second. Obviously not. I. wouldn't do a marketing course. I would. do like something like some kind of like. I would do like running for beginners or. like something that I have like a Oh, this is learning. Oh, you're taking a. course of how to make a course. No, not. a course on how to make a course, but I. would like research something and make a. course out of it cuz I have a friend. Why are you the person when I literally. have a friend who doesn't know anything. about a certain subject and he he makes. banks selling a course. He's such a good. sales person. It all it is is sales.

When we made the budgeting and investing. class, we have a whole team to work on. them. We collaborated with experts in. the fields. We spent months building. them out and creating the best education. possible. And every once in a while, we still get. flack for the fact that we've created. something like that and we charge money. for it. But you know why? Mo more than. anything. It's because of people like. you who put the lowest effort, lowest.

knowledge into something, then you sell. it for multi thousands and then people. are scammed into buying. it. Now, legitimately guys, I believe. that you, everyone in your life, everyone around us can actually take. control of their financial future and. make their lives better. And we've spent. over a year here creating tools to help. make those goals a reality. Right now, our budgeting program and investing. program are bundled together at a 15%. discount. And you get $100 in cash. gifted to you right into your Amumu.

account. There's honestly no time like. the present to actually take control of. your future. Don't wait. Don't let this. opportunity pass you. Oh my god. I mean. drop or something, but like. it's just like the way it kind of is. like it's just like it's where social. media is going. Sadly, if you like it or. not, like I have I do know people on. social media who do do that. I wouldn't. say I wouldn't provide any value to. people, but like I would sell something. This guy she knows has a large following. on Instagram and she paid him and didn't.

know what he was talking about. $350. What's that? Um, it's Well, I actually like I do I do. like this person. Um, what? But no, what. happened? It was pretty nice, but like I. just like he didn't really give me as. much value that I wanted. You paid him. $350 for what? For advice on how to run. my um socials. Advice? Yeah, advice. What? Like he had you had uh oneon-. ones? Yeah. How many followers did he.

have? He's literally like built a whole. following but at the same time he's. built his following from being. controversial and so like and how many. followers. 100,000 something on Instagram on Tik. Tok Tik Tok that's nothing a Tik Tok. follower is nothing then how come I'm. not able to get followers on Tik Tok. it's because you don't make interesting. or engaging content and people don't. resonate with. you Tik Tok is the easiest platform. follows are nothing they're not even.

close to a subscriber on YouTube unless. you're a shorts creator unless and then. it's very easy to get subscribers but. it's it's that's nothing on Tik Tok that. is nothing as much as I I it sucks to. say but that is nothing you can have. literally cuz what happens is like on. YouTube if you wanted to be a YouTube. creator even Instagram you have to make. a consistent amount of really. wellperforming videos over the course of. so many months to get 100,000. subscribers or something like that or. Tik Tok post or Instagram post on Tik.

Tok, people can get to 100, 500,000. subscribers by having one Tik Tok that. blows up. That's insane. Yes, it's just. the easiest. So, I wouldn't if just for. future reference, if you're just viewing. people with followers and like that's a. 100,000 on Tik Tok is kind of nothing. Or at least see where it came from. What. I would at least focus on if first of. all just don't cuz you fall for every. scam it sounds like. But but look at. their consistency of viewership. That's. what you want to base it off of, okay? Okay. Whether or not they have success.

Yeah. Oh, what is this? Was going to do. a plant medicine retreat and paid for it. and couldn't go because it wouldn't work. out with her medication. This was back. in March and April. Paid $500 and didn't. go. Yeah. What is your life? Is this even a financial audit? Yeah. I. think this is like I really did want to. go go to that though, but then like I. obviously didn't do my research and it. does interact with one of my meds. So, I. was like, "No." Well, I wanted to go. there and see if I could do some kind if.

I could get some kind of thing out of. it. If I'm able to like process my. trauma. What is this guy on Saturday or. on the weekend that you're meeting with. even like know about you? Does he know. that like this is you? He told me I was very Well, I told him. that I was going on like I didn't want. to say details, but I told him I was. going on like a podcast and he was like, "That's very." And I'm like, "No, no, it's not. I'm going on financial audit. very He was like, "It's very ambitious.". And I'm like, "No, I am not an ambitious.

person. I know I'm training for a. marathon and I know I'm going on this, but this isn't really like You cannot. answer questions." Yeah. What's going. on? I'm just If he knows you're like. this, I don't think he does. And. hopefully he won't watch this video. I. know who he is. I'm going to send him. this video. Oh, no. No, I'm not going to. do that. Please don't do that. I don't. know who he is. I mean, I Oh my god. You. I saw who he is, but I wouldn't do that. Yeah, I'm kidding. Mhm. Okay. So, you. put 20% down. Mhm. Yes, I did. Wow. How. How'd you pay for that? With my money.

that I made for my internship. Okay. How. are you going to pay the remainder? That's when I'm like that's what I'm. like kind of struggling with right now. I um I've applied a few um like retail. based jobs and also um I might start. working at night as like either like a. barback or a bottle server. Yeah. And. I'm gonna That could be a to use that. money to like slowly but surely pay her. back and pay some other people back. And. then eventually I want to be able I want.

to be able to pay well it's mostly just. to her but like also I want to be able. to get my parents stuff like I want to. be able to pay them back for but like I. never there's nothing I could ever like. and that's the frustrating thing is like. I want to make them proud so much I want. nothing more but like I just know like. I'm never going to be successful. What? Why? Everyone in my family has been. successful but me. I'm like cursed or. something. You're not cursed. Look at. your behavior. You're not cursed. You're. self-inflicted. I need to go to like ABA.

or something cuz like this behavior, it's applied behavioral analysis for. people with autism and so they learn. like different beh like how to stop like. their like problem behavior. So, one. thing that just concerns me and I'm not. a mental health expert so I'm not going. to dive too deep into it, but you just. kind of keep bringing it up. It's a. reality. I have a panic disorder, but. every time I don't do something or every. time I have behavior that is objectively. holding me back, I don't say it's. because of my anxiety disorder, my. diagnosed panic disorder, I don't say. that. But every single time that you're. called out for doing something bad,

you're like, "Yeah, I need to go seek. treatment for my tism." It's just like, yeah, it's I think you're kind of. crutching on it. Yeah. No, I am. Okay, then stop. Yeah, but it's technically a. disability. And I keep like watching. these videos and people are just like, "Oh, like it's okay to be like disabled. It's okay to just exist." And like. that's not really helping money. Yeah. And and and Okay. And I Yeah. Probably. on TikTok too. Especially there's a lot. of interesting things happening in our. culture with that. And that is really.

interesting cuz it is important to have. a voice to let people know that it is. okay that you have this. It is okay that. you have this. But when people start. perpetually victimizing themselves. because of this, you hold yourself back. forever. Plus, there's like this ongoing. uh trend on TikTok um and in our culture. right now of the trauma and victim. Olympics. of people telling other people that they. have trauma and they have things wrong.

with them and they're like, "Oh, maybe I. do." Then they start holding themselves. back and everyone thinks they're just. always down and they're the they're bad. and they're never going to get ahead and. all this stuff. It's just like perpetual. victimhood and it's just not helping. anyone. That doesn't mean you shouldn't. be able to recognize your mental. disorder. It doesn't mean that you. should look be looked down upon. It. doesn't mean that you shouldn't realize. that maybe you need these extra help in. certain areas. That's true. But if you. just get in this ecosystem where it's.

just constantly. like where you where it's so affirming. that it's holding you back that doesn't. benefit you. Yeah. I know that content. might come from a place of a good heart. but it is not helping people right now. Yeah. No, I'm definitely like that's. what my constantly feeds me is that kind. of content. And so Oh yeah. Yeah. And. then I also um I have been having some. like medical issues at the same time. I. can't disclose I can't disclose what. they are but like at the same time I'm.

here if you can't talk about things. it's confidential but I did have like a. I did have some health problems this. past summer that like really really set. me back in my internship and okay it I I. don't want to talk about it cuz it's. going to make me cry and I I actually. did I actually did like love my. internship I loved my co-workers no I. love the tech industry I I I feel bad. calling it boring and everything else. yeah in the M well the reason why I was. like kind of like why I sometimes like. diss that and like finance and things.

like that is cuz like well I'm not into. it but some other people were passionate. about it but back okay I'm ADHD back to. the beginning of why I have like a chip. on my shoulder about it and why I diss. people about it is because I've gone out. with some pretty entitled guys. They all. say they work in tech. They make me. split the bill and I'm like why are you. bragging about having money if you make. me split split the bill with you? No. offense. That would have made you split. the bill. Cuz they just tell that I'm. from Westlake and so they're like, "Oh. yeah, she's got it. She's got it." It's. cuz I wouldn't have enjoyed the date.

That's harsh. I'm sorry. I wouldn't. have. So I would have made you I would. have been like, "All right, so we're. splitting it." And then I would have got. the out of there. I'm sorry. I'm a cool. person in real life. I know. No, no, I. know. And that's cool. But there are a. lot of things for people that are in. like partnership mode. Yeah. Like you. can be a cool person, but if you're like. Mhm. literally live living off of mommy. and daddy's tits in a high-rise. It's. like Yeah. It's just like that's red. flag extreme.

Yeah, I know. Well, I mean, at least I'm. not living at home with my parents. Like, I do know some people who are. Well, no, that would I just that just. backfired. And also, what's wrong with. splitting the bill anyway? Like, in. general, like what the Well, it's one. thing to split the bill, but also I and. I posted about this the other day. It's. another thing to brag about how you have. money and how you have this cushy job. Like, you're so rich and then you have. to split the bill. Like, are you kidding. me? Like, stop bragging about how much. money you have. They brag on the first. date about how much money they have. Yeah, I've been with a few guys who.

have. Yeah, that's a red flag, too. I'd. leave them as well. Be like, I just went. on my private jet to Aspen or like. something like that. Or like this guy. Very different hint dates. Yeah. Oh, yeah. Oh, yeah. Some of these dudes in. Austin like they they're they're rich. rich. Um, yeah, they they certainly they. certainly aren't providers, though. They're they're very they're very just. like this is my money. Sorry. $5,939 in. a checking account. Oh, nope. That's No, no, no, no. That's withdrawals. Balance. 217.

Sorry. I just don't like hearing about. it. Like, I'm just like, which is why. you spent $324 on PP. What? PP? What's. that? Two PS. What is it? PayPal. Oh. Oh, PayPal. Okay. Uber trip, Wild Bar, Door Dash, HBO Max, Uber One, Free Will. Donations. A 25 reoccurring donation. Yeah, you literally make no money and. you live off your parents. So, I don't. know what the is happening. You have.

Rocket Money Premium. So, I don't know. what you're talking about making an. Excel sheet. You probably don't even. know you have that. Tik Tok shop. $87. So, more than you'll ever make off. of Tik Tok. You've already spent there. Cute. It was cute. I liked it. Stop it. Dream, Trave, Amazon, ATX girl hangouts. that cost money, Venmo, Prime Video, Jackaloupe, Twins. Room, twins room. You go out every. second of your life. What are you living. in on Sixth Street? Prime Video, Little. Woodrows. Well, I want to be able to live my life.

still. That's the thing. But like, yeah, after this, I'm probably going to. think differently. I want a lot of. things, too. Why do you think you're. entitled to that? I'm not entitled to. it. I just But your actions and your. words suggest so. Yeah. No, I need to. stop or find out some kind of way where. I can be in night life where like I can. like be on the other side of working or. something cuz I do like. I'm done with this. Or like if I can like make running into. like I can be like a like a coach or. something. I need to find something I.

like and learn how to monetize it. I'm. sorry this conversation can't help you. Wait, why? Have you been here this last. hour? Yes, I have been here this last. hour. It is incredibly clear that. you. your situation is not a budgeting. issue. Usually the show's about changing. some behavior and fixing budget. You're. living off your parents. You have an. entitlement. You have so much spoiled. The environment you grew up in has just.

trained you to be spoiled. Even just. your language of sacrifice and still. needing to go out and all this stuff is. just like Yeah. No, I know. My actions. are definitely not matching my words. It's it's. it's Dude, there this show is not helping. No, it. it's I'm a hot mess. I love I swear you. only decide to start making words the. moment I end a pause and I try to start. saying something. Maybe that's why.

Uber Eats, Uber Eats, Amazon, Uber Eats, Uber Eats, Sweat Pals, Hot Cakes, Hot. Dates. What's that? Or no, it was just. this like event in Austin. It was called. like Hot Takes, Hot Dates. And this is. like singles event, but I don't know. I. should be going, guys. Let me go. Where. was Truthfinder? What is that? Oh, it's. just like Well, I was like really. concerned about somebody I'd met for a. day. It's this thing where you could. basically look up somebody's information.

and see if they have a criminal record. or not. Um, I couldn't find his criminal. record, thank God, but there have been. times before I have found a criminal. record for people and like I just like I. just can't be too sure these days with. like people people are sketchy. People. are sketchy. Ultraviolet Club coffee Uber Eats. Uber. Eats Prime Video Tik Tok Shop again. Kill me now. Uber Eats Uber Eats. Hulu. Uber Eatats. Tik Tok shop, Secret Disco, Uber Eatschool.com, Prime Video, Austin.

Airport, Spotify, Spotify. Why are there. two Spotify? Uber. Everything's like in. doubles. Hulu, Hanks, Sound. Healing, Google One. Cafe and Theo's Cafe. Get your guide. operations. Is that another class? Amazon Prime. Oh my. Yeah, I think that was another like Cafe. Nero and uh TfL Travel, Cafe Nero, Big.

Bus Tours, Humble. Creation, Hagen Espresso, The. Thirsty, National Treat, Sea Life. London, Prime Video, Uber Eats, Uber Eat. or Uber Trip, Cafe Nero, Clyo, Juice. Land, Matter Market, Summer Moon, Summer. Moon, Uber Eats, Kva, Chipotle, Trion. Coffee, Starbucks, Honey, Ham, Victoria's Secret, whip that one out. tomorrow or this weekend. I can't even. do jokes anymore.

Yeah. No, it's it's a lot. It really is. a lot. But like the thing is the the. real joke of it all is that it's like. how much Uber is on there. Like I need. to stop Uber eating. It's just like I. can't help it. I love food and I think. I'm too lazy to make food and I'm too. lazy to go out to eat sometimes and like. No, you're going to be such a good trad. Oh, I want to give you free money right. now. I've partnered with different. resources that will literally give you. hundreds of dollars the moment you sign.

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Mumu account. This is the best way to. learn what your investing profile looks. like and what investing strategies to. use based on that. All of this free. money is linked in the resources section. of the description below. So, don't pass. up the free money cuz I'll punch you. Yeah. No, I'm I'm just like I either. need to get I need to figure myself I. either need to get a job or just like I. can't I can't be I can't want my cake. and eat it too. You're saying how do you. say that? You're saying I can't have my.

cake and eat it too. You're saying these. things that are objectively correct. sometimes. I need a job or I need a I do. need a job. Somebody please hire me. Please shut. the let me finish. Okay. I need a. job. I need to stop eating Uber Eats. I. need to cook. I need to budget. I need. to put my stuff down on Excel sheet. Why. the aren't you doing any of it then? You. can't just say the right and not do.

anything. I I need to not be relying on. my parents and then begs for money from. parents. I know. If anything, I should. be giving them money. But at the same. time, like I just like I'm just like. such a like lazy like spoiled rat. So. it's like I am the truth. I'm a lazy. lady. Subjectively. Yeah. Subjectively, which is I don't think there's anything. I can do to help with that. You just. need to get cut off from your parents. and you need to have like aing real. world situation figured out. I think. they should cut me off. Oh, they need to.

cut you off. That's the only way I'll. stop being It's like a co It's like this. toxic. Call them. Call them. Call your. mom right now. Hey. Hey, mom. What's up, honey? I'm just um I'm. filming the YouTube video right now. Oh, that's awesome. Do you need my help? No, I just wanted to I just wanted to tell. you something. Um Okay. Yeah. And this. Do you mind if you um Okay, I'll just.

I'll just spit it out. I feel like you. and dad give me too much leniency with. my finances. And I feel like you guys. give so give so so much to me, but I. never really give back to you. Well, do you want us to set some. boundaries? Like once you're 25, you got. to be responsible for paying $1,000 in. your rent. Yeah. What can we do? Yeah. Responsible. Let's Let's set start.

setting some boundaries if that's okay. Okay. No, I think that's good. Yeah. Like cuz like I just like really from. like being on the show like I I need to. get my is together. Listen, we did start. like here's something you can say that's. positive. You pay your own electric and. Wi-Fi. You um you have your own investment. account. That's true. Check periodically. and make sure you have savings. Are you adding to your investment. account at all? I need to be adding to.

it. AI stock or you stock lately? I haven't. bought any new stock. I've been kind of. keeping track of my stock that I have. Um, but yeah, YouTube. You should look. at that. Yeah. No, I'm I'm actually like. I'm filming I'm about to film go on. right now. Um, don't sound too much like. you're blaming your parents generosity. for your failure to be proactive. So, I'm going to try to be more proactive. Yeah, I know. That's that's the goal is. I am going to try to be take hold of my.

finances. Okay. You need to be cut off. Then you can say something like turning. 25. No, I realize I'm Yeah. I want to be. financially completely financially. independent from you guys. So that's. fine. That's a good. goal. That would be great for us too. But I need to Yeah. Like I need to start. by like actually getting like a legit. job or maybe doing like that internship. program and then like actually getting. like Okay. Yeah. You should focus on you.

pretty good about staying employed. You're go back and. apply there. Did you go to the county. job fair yesterday or did you blow it. off? Um, that's okay if you didn't go, but stuff. like that, you know, there may be some. job you have no. idea you'd enjoy. Yeah, I should have. gone to that yesterday. I just like I. slept late and then I went for my run. and then like Well, so that's that's an. example something you didn't take. advantage of that. Yeah, I know. I'm.

sorry, but I will I will eventually go. back. to and like do like and then like search. for jobs and more opportunities. Yeah. Or what about the Do you want to go to. Europe or you want? Yeah, I Yeah, honestly like Yeah, Mom. I have to go. But yeah, I'm here now. Okay. All right. Love you. Bye. Bye. What's the London. program? It's this internship program. Okay. She's an incredibly nice person. She is. I love my mom. She she just. incredibly pleasant person. Very nice.

She is coddling the out of you. I don't. even know if you could feel it. The fact. that you didn't even like answer if you. went to the job program, but she knew. you didn't cuz you're suggesting. And. she said, and then she said, "Well, that's okay. We just need to make sure. we're doing it. We just need to make. sure we're doing this. We just need to. make sure we're doing this. There's no. consequences for you for not. You are. being coddled. You are facing no you're facing no. you're facing no reality no consequences. no.

no no real world. actions nothing is happening when you. don't hit the goals we've seen so many. people on the show who are like I will. do this or I'm going to do this I'm. going to do this all this future stuff. your entire relationship with them is we. need to be doing this we're going to do. this we're going to we need to start. looking to do is. it's nothing because there's. no nothing happens when you don't do it. Yeah. It's just okay and we move on to.

the next thing. And that's why I. listening to that my heart kind of. breaks right now for this cuz again. there's nothing I can do here. This is. this is not a budgeting thing. There's. nothing to budget with. You don't make. any money. So I can't even make a budget. for you. It's. um you're being coddled and somehow like. how do I break that? How do I break that. whole like like how do I how do I stand. how do I make firm boundaries with my. parents boundaries listen they want to. help and they want to do all the things. you just need to if you are actually.

serious about it you need to say I mom. and dad I am I you can't give me any. more. money no more money I can't I talked to. this guy I see the consequences of my. own actions I need to learn the value of. a dollar you give me no more money now. what I'm willing to accept is obviously. you're already in rent that is likely. very expensive. Maybe they help with. that term and the portion that you pay. would be applicable to like if you were. to go get yourself just a studio or.

something somewhere. So maybe you're. paying that part. Then once that rent is. up, you cannot resign it. You have to go. get your own that you're paying for. So. I'm okay with that. But they're not. paying for you to go out. They're not. paying for London trips. They're not. paying for apparently a future Chicago. or LA trip that you're going to do. me. Um I'm not they're you know they're. they're not paying for your different. bills. They're only covering maybe a. little bit of rent just so that your the. amount you're paying for is like what. you would pay for when you go get your. own place and you are managing your own.

budget. The investing account, I don't. know how you have money there. You. didn't make enough to be able to put. that there unless all the money that you. made put. $4,911 in. Then they just paid for your. living expenses so you didn't have any. overhead. Like it doesn't make any. sense. She said you have savings. I. don't see any savings unless you didn't. send it to us. But no, I did send. savings to you guys. Okay. Well, yeah, I. have a little bit of savings and then I. also Wait, is it on there or did they. not 2,000? Yeah. Okay. Yeah, I have some. savings. I always make sure that it's.

like that my savings is good cuz I don't. I don't want like to not have any. savings for an emergency. I need you to have that tough. conversation with them and I want you to. actually sit down with both of them. I. want you, mom and dad, to go to dinner. together, okay? And I need you to lay. out this conversation. Maybe even show. them this video as much as that hurts. Oh gosh. Uh maybe even highlights. There's just a portion of it. But. essentially, mom and dad, play this. part. Her finances are she's learning.

nothing. She doesn't know the value of a. dollar. Her credit card balance is high. and there's no payments to be seen on. there. She says you're paying for it, but again in the the history it's not. showing. She doesn't know the value. work. She's not showing up to the job. programs that she's supposed to be. showing up for. And in the conversation. you guys had with her, it is. just we will figure this out and that. everything's okay all the time and. there's no consequences. She needs to be.

cut off. The only thing I will allow you. to pay for that makes sense to help her. is likely her rent is too much for her. to afford going and working. So, make. her pay for about like a $1,000 rent, which is rent that she could go get on. her own after that lease is done, and. then you can cover the rest, but nothing. else in her budget. She needs to start. learning the value of a dollar. And if. there's like a 3month transition, I'm. also okay with that as well while she's. job hunting, but she needs to get a fire. under her butt. And if she is.

[Music]. not, if she's just getting all this. extra help, she's never going to get a. job. She's never going to get a career. She's never going to do what's. necessary. She's never going to have an. adequate retirement account. I don't. know how she has that. It's likely. because you're covering all her living. expense. So, that's what I say to you. guys. Please cut her off now. She needs. to be. She knows she wants to be. She. just can't. Yeah. Okay. And then sometimes like I'll. get into like arguments and stuff with. them though too and then they're just. like I'm like I'm or I'll be like I'm. running away and they'll be like with.

what money and I'm like yeah that's. true. I wouldn't I wouldn't last a day. without Why would you run away anyway? Or not run away or just like or just. like move somewhere else and like not. tell them or like I'm just like I'm. upset with you. I'm never talking to you. again. What are you upset at them about? Oh, you come from the most spoiled. household ever. What are you upset at. them about? Mostly it is about like a. lot of our arguments lately have been. about like my lack of like a career. clear career path and also just like my. spending habits. And yeah, my mom and.

they're probably right to be upset. Yeah, they're very You're 24, you're. doing nothing. All right, that's what. you need to do. No budget's going to. help. I'm not making a budget. There's. there's no income to make a budget off. of. You're you're spending expenses. They don't make sense cuz you don't have. to cover any of them right now. So, that's what you need to do. That is step. number one in your life. Make sure you. guys come to the post show. We're going. to talk about a lot more things that we. didn't have. Uh no, it's just extra. drama and stuff that doesn't make sense. to have in the show. Actually, I'm going. to review your hinge. Let's review your. hinge since we talked about it. I'm.

going to make fun of it or compliment. you on it depending. We'll do that. That'll be fun. Hammer financial score. you. It was horrible. So yeah, make sure. to check out all the resources linked in. the description below as they what I use. or would use in specific situations or. the budgeting and investing program. which is bundled at a 15% discount. See. you guys in the post show today on the. financial audit post show. You're the. bad guy. Yeah, I am. I'm a villain. You're a piece of Yeah, there is. like an actual culture of lonely people. right now. And I'm lucky. I'm lonely, too. Oh, shut the up. You have options.

Shut the up. The dating world out there. is And it's literally because people. like you. Sometimes people like identify. more with like the villain and stuff. than the hero. And sometimes I'm just. like, "Yeah, I can relate." Is that bad? Yes. I'll be honest, I don't like you. Oh, okay. I really don't. I get a. rejection card. And. watch the financial audit post show. Click the join button below.