Pathetic Brat Thinks Shes Hot Sh*t | Financial Audit

I have gone through a lot of different. boyfriends and I finally found the one I. want to be independent in a way I don't. need to rely on him you to take care of. your lazy ass and spoiled who won't stop. spending money they don't have I can't. stop stop what spending treating myself. I deserve no he's taking care of it. can't rely on you to save anything well. I'm I deserve it I'm worth. it download my new simpler budget app. today and take control of your money. once in for.

all hi I'm Michaela I'm 23 years old I'm. from Seattle and this is financial. audit thanks for coming in from Seattle. that's a far little journey what do you. do for living up there uh I'm a. supervisor at Starbucks of course you. are that is the Seattle core as it gets. Starbucks can actually be a pretty damn. good place to build a career sometimes I. know they're going through lots of Union. things and some places are getting shut. down and lots of Starbucks layoffs. actually just got announced this week. like a thousand people yeah I saw that.

in corporate so how much are you making. um I make. 2364 and Seattle 23 and a for a manager. um well I'm just a shift supervisor. shift supervisor how many hours a week. do you work I want 40 but I get more. like around 30 um why why do you think. well I could work at different stores. yeah um I don't drive so that kind of. like keeps me in my little the public. transportation Where You Are well it's.

okay A little unsafe um but how unsafe. well well are we going to use that as an. excuse like I don't I know you're in. like a big radius cuz we're not going to. give a specific location but so I'm. going to need. to a lot more um right now my specific. area where I'm at is kind of on how far. away is another store how many miles um. if you drove how many minutes would it. be well if you. drove 13 cool I bet an Uber ride would.

pay for the extra you know 10 20 hours. you pick up a week yeah well so there we. go I've solved your issue. yeah okay I think so what's so why do. you settle for that well I've worked at. the other stores in my area they kind of. suck um honestly well your sh supervisor. make them better right well I tried I. worked at one of them for two years. actually and left because it was so. horrible but um and the other one my.

store was getting remodeled I had to go. to and it was yeah just an experience I. did not have fun at so how much comes in. through payroll on a monthly basis um. well I think it kind of fluctuates up. and down because I get tips um on my. paycheck so yeah so they tip into the. store and then it gets evenly. distributed yeah so cash and then also. they just introduced like the credit. card tipping in the last couple years. they so yeah um that has actually. increased so much like our tips like I. get like.

$500 obligated yeah yeah for sure. literally everywhere um but and it's. awkward like in the Drive-Thru we have. to like pass them the thing and I'm like. here you go I was going to ask you a. couple. questions uhhuh great yep you're one of. those wonderful we all love that cool so. what hits your account on a monthly. basis normally average about 24 okay I. had 27 oh okay cool but 24 is average so. you're a little over cuz I think um I. have been working a bit more um like.

well it's changed the hours um like. fluctuate like um just how busy we are. and how much like um the store like gets. allocated for labor okay so you made 27. but let's just say you make 24 normally. but whatever we had a little if you make. more a month maybe you're allowed to. spend more maybe we're allowed to put. more to savings that's okay how what did. you spend in the last month all of it no. what did you spend in the last month um. probably. 2800 so you're okay with spending $1.

more why would you say that why would. you do that if you know you spend more. why are you okay with. that I'm not okay with it then why do. you do it because that is an action that. you are doing yeah um I can't stop um I. don't know can't stop what is can't stop. I don't want to. stop stop what spending um treating. myself having. fun okay no it was 3,00 , 526 by the way.

so it was completely like it wasn't even. close even though you made more you. still spent $800 more than came in and. you spent $1,100 more than normally. comes in so can't stop leads to an extra. $ 800 that's a lot of can't Stu how do. you not know the number I don't know um. honestly I'm really surprised it was. that High um I think maybe Christmas um. I don't know Christmas no we're Beyond.

Christmas we're Beyond Christmas I've. heard that a lot in these talks we're at. the end of February we're Beyond. Christmas Christmas is done yeah why are. you here what's going on well my. boyfriend will not propose to me until I. get my finances in order that's not how. we want to start a marriage a time. crunch how long have you guys been. together about 3 years um yeah and we've. lived together now for over a year and. we just signed a yeah he's in the lobby. um really so we just signed a 2-year. lease together actually like last month.

have you guys lived together oh for a. year already so in the same place we. just extended our lease so he'll share a. contractual agreement with you but okay. not a marriage I me that's fair if you. don't get your but you spent $800 more. than you brought it in on last month or. $1,100 more than you normally do so. obviously you give a more you don't give. a [ __ ] about the marriage you don't give. about the proposal you care more about. Sweet Treats than the marriage I mean. that's what your actions are leading to. so what do you mean that that's why. you're here I can't stop you I can get.

you with. tool you spent $800 more than you. brought in yes you can get a sweet treat. together maybe he pays for it yeah maybe. you pay for it within a budget I mean I. don't what are you talking about yeah um. I don't know uh to be honest. I I think I'm embarrassed by spending. that much and I just yeah I then why. haven't you changed anything cuz that's. a lot of copout talk that's a lot of.

like oh I know I am or I'm just. embarrassed yeah what why why are you. dig deep well I want have something to. work with I have gone through a lot of. different boyfriends and I finally found. the one that I want to be with and I. think this is what I need to do to get. my life together and why you just flying. through I guess we all fly through. different people until we find our one I. don't how how does that impact this what. what is statement um so me and uh a.

boyfriend met in high school um. ex-boyfriend wait you're 2 okay so like. five years ago yeah um so probably we're. around 16 he was actually um I was. sophomore he was uh senior and that's. what Twitter will say yeah um but we I. don't know at least I wasn't a freshman. um so he actually got expelled um right. after we met and he would like come to.

meet me at the school oh maybe he. actually is a PDF um yeah uh maybe uh so. you just just overblown how did what did. he get expelled for I guess it has. nothing to do with this but bringing. brass knuckles to school what the it's. Seattle he never worked our whole. relationship um even though he was old. sophomore he was a senior I don't okay. so I took care of him our whole. relationship a sophomore you took care.

of him well I worked two jobs as soon as. I turned so because you took care of him. now you're okay with your fiance taking. care of you and notp putting in the. sacrifice necessary to get to the place. where he would actually become a real. fiance is that what you're trying to say. or what are you trying to say here no. I'm just saying. that I mean that would be nice um but. that's not my something tells me that's. not what he's looking for or else he. would have popped the ring the question. true um okay are you guys aligned on.

what you're looking for I guess we can. make maybe bring them in at some point I. I don't know yeah well we're we're. pretty aligned like I think um are you. sure because you aren't changing the. habits that are preventing you from. doing the thing that you both want to do. and then you just told me it would be. nice if he just took care of you why are. you talking about this ex relationship. what does it have to what well I just I. spent so much money on him that like. that's kind of where how a sophomore in. high school well a a sophomore in high.

school is where all your dead came from. what are you talking about I was working. like two jobs and like a sophomore in. high school yes and so I dropped out um. every year of high school actually you. dropped out of high school every year um. yeah my freshman year I was you just go. back and they're like okay yeah yeah. pretty much freshman year I moved to a. different state um from Conneticut to. Washington and just stopped going the. last like four months um they. passed came back yeah and so was this.

like aing cheat code that you could just. like Drop Out Half education was a a. little bit more advanced than what the. Seattle requirements were so they. actually had no problem moving me along. um I don't know uh the high school I. went to was not that nice. um you're blaming this for how you got. in debt as a sophomore I'm so confused. on that so I would please say what. you're trying to say sorry maybe I'm. just interrupting you too much please. what are you trying to say I basically.

just took care of this ex since I was 16. had two jobs gave him all my money he. would have my card spend on it um he. would just spend on your car yeah he. senior that drop expell. would use their. sophomore girlfriend that works two jobs. and just spends all her money and I just. kind of thought he loved me so I thought. it was okay because my ex had pretty. much stolen like all my money from me um.

it was it was really hard to kind of. move on from that okay so um he had like. a drug addiction and which one uh my. ex-boyfriend uh well hold on it sounds. like I don't know which one is an. ex-boyfriend this sorry so the one I was. with out of high school okay okay yeah. so he had like a addiction going on per. oh um and his mom was also doing it with.

him it was kind of a screwed up. situation um kind of weird world let's. talk about student loans I know it's. something we all want to avoid talking. about but if your private student loans. are crushing you why refi might be. exactly what you need they don't rely on. your credit score alone they look for. borrowers who have the desire and. ability to repay that's a game changer. in a market where most lenders only see. a number interest rates under 6%. guaranteed that's practically a unicorn.

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them out at y rei.com Hammer that is. yref. y.com hammer or called Tria 8 y refi d78. that is Tria 8 y refi d78 break free. from the high interest trap and get your. finances under control once and for all. I had given him my card to go and get. groceries or something from the store. and all of the money off my account was. gone and I had like no idea what.

happened he came home completely denied. it said he just brought like bought the. groceries that he had brought home and. so I called Safeway and I was like where. is my money like what's going on. like this transaction was hundreds of. dollars and my boyfriend did not spend. that much and so they were kind of. investigating told me to like come back. in and they showed me the footage of. like him at the self checkout.

getting the cash really yeah. and were these like C fan advances from. a credit card or this my checking. account at the time like cuz I think I. was probably too young so again I'm a. little confused why this is a I'm in my. debt because of this situation because. it doesn't sound like it sounds like it. was a person this doesn't sound like any. reason that you're here though yeah and. then I was opening a lot of credit cards. at that time when we had moved in okay. so you were 18 at least yeah I was 18.

when I opened probably four or five. credit cards why hav't you f if you. broke up with him four years ago why. haven't we fixed anything since then. especially now that we've been in a. relationship for 3 years with someone. who wants to marry you but won't because. you want to get together because you're. prioritizing Sweet Treats over him why. haven't you fix a single fing thing I. want to but it's just like I do you want. to though because I talk about this and. you immediately go to stories from 5. years ago do you want to cuz your.

actions aren't showing you want to you. spent $800 more than you brought in. $1,100 more than you normally bring in. on a monthly basis what do you mean you. want to you know you spend more money. you acknowledge that you thought you. spent $100 more than you make on a. monthly basis want to not seeing want. where's the want no you want sweet. treats that's what you're doing what do. you mean want you know what the word. want means I mean but I also just want. to live a good life and I want to be a. good life yes but I'm also young and in. my. like I want to be able to do so you.

don't want so you're you're prioritizing. that over him you would rather have that. not necessarily should we tell him that. should we bring him in and you tell him. that no because that's what you're doing. and that's what you're saying right. now I mean I feel like you can have a. little bit Best of Both Worlds like we. do a lot of things together we go on. trips together sure but you're talking. about your Independence that's what you. were just talking about you weren't. talking about together you only brought. up together once to push back against. you uh-huh yeah well I think because. I've been in relationships since I was.

so young like it can feel good to think. about doing things on my own as well. like I want to be in a relationship I. want to be married but Independence is. good too I agree it's important to have. like you know good Independence here and. there and absolutely but again you are. choosing that over your togetherness. completely because it is one or another. and at least this ultimatum that's been. given to you and you are choosing that I. think yeah it's just been hard you do. not want to and if you do it's a small.

want and obviously your want of yourself. and individualism is higher I mean I I. don't think so like I want to be with. him I just want spend money okay but you. want that more cuz that's what you're. doing you're choosing that over yeah. there we go you just admitted it should. we tell him I can't deny because. obviously should tell so we should tell. him no I think we'll I think we'll. eventually have to tell him where do you. think you are in the world of finances 0.

to 10 zero being the absolute worst 10. being the absolute best where do you. think you are today self assessed. probably two okay if you want your. Hammer Financial score go to the link in. the description below you can go to. Caleb hammer.com and check out what you. where you are in the world of finances. it's free it's a fun little quiz uh and. we assess you there if you want to come. on the show come down to Austin Texas. and get a little uh Financial beating. have a good time uh just go ahead go to. Caleb hammer.com. slash apply we'd be happy to have you.

here okay. ala oh my gosh why does it every why. fing people that go to Ulta man people. that go to Ulta they always what's so. good you're you're above the credit. limit so good that's good jeez every. time anyone goes to alter or has an. alter card you know it's about to be a. episode so good and you rather be over. again you're choosing Ulta over him. you're choosing ala over him Beauty you.

choosing your beauty over your guys. being together my beauty so it's like I. think he likes you for you or else he. wouldn't be willing to. propose true mhm but I just think that's. it add on beauty is great do it I want. you to feel confident I want you to feel. great you're over the credit. limit there what what the are we doing. if we're over the credit limit that's a. completely different world we live in. for you paying it off or even having a.

little balance I wouldn't suggest I. wouldn't support that but you're over. the limit I do have a little balance. well guess what you don't you're over. the credit limit the minimum every month. and then it like takes out like the fees. or whatever and then I have like $60 to. spend that's so horrible though because. the interest Hey Hey cuz the interest on. here is so and it doesn't matter. regardless because you purchased $71 17. cents huh well that's still. something huh like you can buy some $17.

no you're over the credit limit you dumb. tit that's what I am. saying well yeah and no that is not. acceptable that is what a child. does okay you owe. $1,741 190 on a $1,700 credit limit. great I'm glad we're choosing this over. him it's important that you keep. realizing that actual reality with an. $88 minimum monthly payment which by the. way these will stack up like crazy how.

long does this take to pay. off just minimum payments without. purchases which you're incapable of but. go ahead maybe six years okay it takes. six years yes okay and of course it's. Sala and it's Sala I mean it's just just. so easy and it's just like it is easy. that means you can't be you can go get. your brows done you can go get uh your. hair done I used to have pink hair I got. it done there oh wow so it was so easy. like so easy who gives a [ __ ] look it. didn't stick around anyway now you're.

blonde is it a fake blonde we'll never. know who gives a doesn't matter only you. acknowledge it doesn't matter no one. gives a who cares about the little. purple above your eye I care about you. guys being able to live a good life. together and not become one of the. criminals that you're afraid of when you. ride public transportation in your area. apparently so let's play a little game. it's going to bring out I just want to. assess your level of. desire for actually purchasing [ __ ].

all right some little brushes and stuff. right yes very excited we know you got. this here don't flip it over you go. ahead tell me tell me right there what. you think that is worth to you in terms. of a financial amount that you will. spend on that tell me go ahead like a. number yes a number okay what what else. would you. put okay you would spend 12 here we got.

a little camage we're creaming we got. some visibly smooth pores so exciting. what would you spend on. this she says $40 here here we go we got. some twinkled strips you're going to. have to tell me what this is that you. got it's like highlighter and then like. you can also put it on your eyes and. multi-purpose how much would you spend. on that very important sh $20 that's. what it's worth to you. that's what it's worth to you that's the.

max you'll spend on it yeah okay here's. mascara well yeah what's the max you'd. spend on that like the mini one what's. it worth to you sure what's it worth to. you okay what's your max you'd spend on. it go ahead what is. it okay so the max you'd spend on these. little morph brush brushes Mor are $12. first of all you spent $28 on it you. know that you know that. no I almost don't believe that okay.

listen you do not get to leave the. studio neither does your boyfriend until. you download the simpler budget app cuz. at least you guys get the premium. version for free they get a multi-week. trial but you get it for free it will. automatically tell you how much you. spend on Lush you could have a lush. category and it will automatically. connect to your accounts and tell you. okay then there's the community. functionality in there where you can. chat with other people and start your. own threads ask questions all that stuff. yes you can start Al to thread cuz there. are people absolutely in there.

absolutely use the automatic features we. want to make it the best budgeting app. we can soing download it it's like the. easiest thing you could possibly do so. you spent $28 are you willing to spend. $28 on this no that's pretty sad are you. willing to spend $28 on. it no no well that's what you're fing. doing because after the interest of. cruise with your minimum monthly. payments that you put towards it. mathematically all in the end you are. spending $28. on these dumb little fing.

brushes yeah that's right $40 it's the. most you spend on this right H yeah $44. is what you spent are you okay with that. I mean yeah yeah 283 how about that cuz. that's what you're actually spending on. it. 283 you okay with that no I'd rather. have much nicer you 283 yeah I agree. guess what this is what you're actually. doing though this is where your. decisions are Le e you.

yeah $20 on this highlighter thing you. nailed it $20 how much you think you're. actually spending on it though in. reality actual math 140 148 correct and. you're okay with that no how many could. you get in. that huh huh how many could you get how. often do you have to replace this well. how many you have to replace this no. maybe like every 6 months cool you could. get 7.4 of these 7.

4 we're okay with it okay you are okay. with spending 15 you sent 16 that's okay. how much did you actually spend how much. you actually spending on. this 170. 119. 119 another 7.4 math works out either. way you could be getting so much but you. are choosing not to you're choosing to. delay everything and it's pointless.

you're also choosing to delay your. engagement yeah I mean. I the numbers are hard to look at I mean. I the damage is done I I don't know I. mean I bought like a Dyson hair dryer. was $500 damage is the damage isn't done. you're fing doing the damage. damage is done the damage isn't done.

exactly use it every day the damage. isn't done no no no you're spending. every day across the board on all these. we we're going to go through so many. documents here the damage isn't done the. damage is getting. done you're above the credit limit. you're above the credit limit the damage. isn't done the damage isn't done until. this card is paid off cuz you're cre. interest on it the damage is endlessly. hitting you this this fing endless. damage dude. yeah it's just it's just nice to have.

these things like it's like Coman it. sure is and you could have had 7.4 of. them for the price you're paying for. them over time I'd say that's nicer I'd. say you being able to get engaged is. nicer well this is prettying exciting. for the world of financial audit. something big Mar nearly 60,000 of you. have downloaded my budgeting app simpler. budget in just a few weeks of its launch. and let me tell you we've heard amazing. feedback people are enjoying the. automatic account connections people are.

enjoying the community chat people are. enjoying building their budget sticking. to it and actually changing their lives. finally for the first time yeah so. download the simpler budget app today. join the 60,000 people who are literally. changing their lives for the first time. literally this gives you control of your. financial future once and for all so. download simpler budget today and. remember anyone who signs up for the. annual version to the app at a massive. discount you also get shipped this.

simpler budget notebook which will be. personally signed by me so check it out. download simpler budget today I mean I. just feel like it's it's worth it to me. like I love these things like not as. much as I love my boyfriend but it just. it makes me happy like and why wouldn't. you want to be happy this is my hobby. where'd you put just the blow. dryer on. where like at Ulta at Ulta so.

$500 and we know how this math works. out yeah you spent 3,700 on that total. cuz and you definitely haven't hit that. totally yet but that's what it's going. to cost over the course of forever. especially you when you're over the. credit card limit and no you don't. prefer your boyfriend over this you're. not putting him over this or else you. would put him over this the damage is. endless man it's the interest AC crewing. it's the fees acre oh no fees this month. but you're about to get them the.

interest last year loone was $530 and. it's only going to get. worse it's just so addicting to spend. like just go in there grab a basket and. just fill it up with what exact thing I. see your little sweet treat and I know. but guess what that is why you are not a. credit card person you cannot have. credit cards you can't have access to. other people money but I also just like. don't have the money to buy a $500 blow. dryer which means you cannot afford it I. want it you do want it but if you can.

only use other people's money to afford. something you cannot do it cuz you're. delaying your entire life you are fing. your future self if you guys have a kid. together you are fing your kid and that. doesn't sound right does it no no those. sequence of words no it does not. no it does not you can use the Fizz card. cuz at least it builds credit I'm sure. you care about that but it is only a. debit card credit isn't horrible I mean. it's gone up and down up and down I'm.

sure it's down right now cuz again. you're above theing credit limit for. Ulta so you go in there and endlessly P. the services as well well yeah like the. eyebrow waxing and like tinting and how. often are we doing this what are we. spending on this well I promise you he. doesn't care though as much as you think. he does unless that was just a cope I. mean it's like $50 to go and get them. like Wax how often oh um like maybe I'll. go like once every couple months um and.

then I'll like maintain at home with. men's beard just maintain at home just. main just maintain at home he doesn't. give a yeah I mean but it's just also. like fun to go in and be like tampered. and like you know lotion body wash I. smell good I get why you keep bringing. up this fun thing like that negates this. though I understand the why we all no. it's fun there's so many fun things that. I like to do doesn't mean they're good I.

just don't know how to stop like some of. this stuff is just like basic like my. razors my body wash like. listen I didn't fight against those but. even still not on a credit card yeah. that is maxed out yeah you're telling me. if you saw in the simpler budgeting app. that you were over your category you. wouldn't care I mean I just don't have. the cash that but that wouldn't stop no. that wouldn't stop you you said I. couldn't stop that wouldn't stop you.

well if you saw you were over the. budgeted limit for Ulta on a monthly. basis no it wouldn't stop me then what's. the point then what's the point what are. you ever going to do to achieve this. goal with him what are you ever going to. do how are you ever going to get there. well I think I do need to restrict. myself in some ways yes but how are you. going to if literally seeing that you're. going above a limit that you Alta is not. one of them so you're not willing to. compromise on Alta what a [ __ ]. statement you realize what you just. said it's my my favorite credit card.

like that's the one I favorite it's a. credit C who gives a sh isn't anything. that you're. getting right after the day after my. 18th birthday it's like kind of there's. Nostalgia associated with Sephora I only. shop at I I don't know how to get past. this I don't care I. don't I don't I don't care I oh my gosh. I don't care if there's Nostalgia it's a. piece of plastic it's aing piece of. plastic this is the stupidest thinge.

it's like I don't. give okay you're being a [ __ ] [ __ ]. with this you're being aing [ __ ] and. like the the point system like it adds. up and then you get free stuff and like. yes I get that that's good because I'm a. a credit card member I get two times the. points so. like. okay like I bet like what are you going. to bet what are you possibly going to. bet what are you going to bet I could.

get all of this stuff with points like. then why are you over the credit limit. that's interesting well because you have. to SP money to get the points but if. you're getting all of it with points it. should be able to uh pay it off. completely well if I get the points from. the beauty Services then like I could. get these but you're over the credit. limit so obviously that is not working. well not always it's what the [ __ ] are. you talking about how many points do you. get for a dollar purchase do you know. cuz it doesn't say it on your hard I. think it's two I mean I don't know I.

don't know you don't know no so you're. really trying to justify it with the. thing you don't. know yeah. yes I mean this like. $125 off of something like what is what. do you mean are you what are you talking. about saved that many points points I. could get $120 off like how okay there.

we go but how many points do you get. with aing purchase I don't know. but are you base platinum or. Diamond um probably base you don't even. I can only spend at Ulta so like I think. it's just the base one so this $125 how. many you think how many dollars do you. think you have to spend to get it I have. the math in front of me 70 I looked it. up 70 $2,000 oh I hope you're hungry. for nothing I did the math wrong I think.

I at 700 this is the your your point. thing is the most moronic bull ever. heard in my. life you that's so stupid 125 divided. 2,000 what do you think the mask going. to be you're going to get a potential 6%. return that's not horrible in ter terms. of a card guess what you're losing. 3.74% what's a higher number six or. 30 hey what's a higher number six or 30. don't be a dumb 30. yes so maybe the points don't matter.

even if you're a platinum member you get. probably about 7% 7.5% cash back okay oh. is it based off of how much you spend in. a year I don't fing no cuz I remember. one year I spent like a lot so they. bumped me up to the next PL is 500 uh. diamond is 1,200 okay so I think I'm. even still you're probably getting like. 8% cash back which for credit card is. not bable what's bigger eight or 30 so. 30 yes and you're going to get fees with. these oh the limits lady.

this is crazy this is so stupid you. download this damn app now I swear you. do not leave until you download the app. but again if you if it doesn't even. matter if you see yourself over spending. youring. Ulta I want to pay it down though so. that I have the money to spend can I see. your Ulta account do I bet you have it. oh yeah is there a special little thing. let me see it kill me now.

oh look 21 days of beauty there's a sale. your points is a dollar per purchase. though it's a Well dollar and a half now. for you my last. purchase oh please oh my gosh it just. shows you sales sales sales no I don't. know how to you have something in. youring bag you have something in your. fing bag are youing kidding me listen. this $44 stupid fing little moisturizer. [ __ ] hey it is that and guess what. hey guess what guess what that one.

you're going to pay for could pay for. 7.4 we did the math. lady oh no what is all this saved for. later hydration face whip sunscreen. moose oh my that's just so funny travel. size Better Than. Sex brow. pencil backpack scrub stick almond. avocado moisturizer what is all this. [ __ ] oh my f it's endless it's.

nearly fing. endless can I see your damn purchases. yeah well you're going to have to tell. me how because I don't know how to I. don't know how to use. this save my life I'm. glad I don't think it shows the in. person ons. though. oh your fault. that's not true I was kidding yeah okay.

those four things that we saw there then. you got some [ __ ] oh also like bu my. like boyfriend like I bought him really. nice cologne it was nice to put it like. on that um this is crazy that just this. within itself you do this like once a. month just that yes no stop I'm saying. it's crazy that you do that once once a. month and it it'sing over maxed out. that's insane you are so irresponsible. you just don't pay for what you put on. it Ro would allow it it's just so easy.

like I know and that's why you shouldn't. have access to it that's $2000 on like. Beauty like that's a shopping you know. what else is easy like that huh that's. easy Clara of course it fits your. personality from everything we learned. about from the. stupid well I like recently just got. into Cora like you just got into it and. you're already up to4 like a year almost. now you should you should get this. shouldn't be something we get into it's.

not a hobby we're not getting into Clara. what is that watch it's nice to be able. to like make a big purchase and split it. into four payment especially like no. interest but you've proven you can't. manage that well I make the payments. every single month I can manage it no no. cuz this is what happens is because you. think you're able to split things into a. four payment thing which you think it. will help you that's what you think but. then all of a sudden this makes it so. there is more money due at certain times. that is stacking up constantly which.

does not allow you to have money in your. checking account which means when you go. to purchase something at Ulta or go get. a service you have to use a credit card. that is already at maxed out because you. don't have any money in your checking. account the reason you don't have any. money in your checking account is. because you're not taking track of your. minimum monthly payments that you are. endlessly stacking on to of each other. cuz you think it's helping you well. luckily I just use it well are you going. to well that F you like I just I have to. justify it like why no you don't just. don't do it just don't be child why. wouldn't splitting a one payment into.

four payments with no interest if you. don't have the money like why isn't that. a smart choice here's my secret for. growing my business my team seriously I. couldn't do it without them and when it. comes to business hiring the right. people without wasting time is Key so if. you realize your business needs to hire. someone yesterday how can you find this. amazing candidate fast easy just use. today's sponsor indeed when it comes to. hiring indeed is all you need stop. struggling to get your job post seen on.

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indeed.com calb terms and conditions. apply hiring indeed is all you need it. can be if you manage it right again you. are not though because you view that as. a way to make it easier that's not what. it should be about it should be about. utilizing your money in a better way. like this money could be utilized. somewhere else in a more efficient way. say Returns on the stock market if I'm. like buying the S&P 500 or something. that's always a classic. example or yes even your Ulta bill but. you're not even doing that that's what.

I'm saying because you are stacking your. minimum Mony payments higher then you. know because you are not tracking them. because you just do the split in four. constantly because it's 0% interest and. it just helps me get this purchase now. because of that you are making money. just leave your checking account when. you don't know it all these automatic. payments that are constantly hitting. which is draining your checking account. and making it so you don't have money. when you try to go do things yeah I mean. I definitely see that but I mean I will.

pay it all like when I get paid I'll pay. all the payments so I don't have like 20. hitting me at once or like at random. times I'm really good about keeping on. top of it and making no you're not you. said you didn't have any money in your. checking account to get Ulta or else you. wouldn't well know top I'm good about. making my payments like I've never miss. why you above a credit card limit. then I I don't know you don't know no I. mean you don't know how do you get above. it I mean I've made if you're keeping. track of your payments knowing balances. you have you should know how much you're. able to purchase if we even look at that.

not keeping track of like how much I. have to purchase I'm just keeping track. of I'm making the payments at least I'm. not missing them you put. $491 towards Cara. alone girl that's 17% of your high. paycheck of your high paycheck just. going to grocer that's what you're doing. like this is my grocery bill because I. SP for your groceries well I don't drive. inart you're you're paying him for. instacart what about the boyfriend you.

live with the boyfriend well yeah but he. he does have two jobs and he travels for. what you got to take care of your lazy. ass and spoiled ass who won't stop. spending money they don't have no he's. taking care of it can't rely on you to. save anything well I'm I deserve it I'm. worth it. so you entitled PR what the f is that. what is what kind of defensive nature I. know listen you just come onto the. camera okay you're not used to getting. kind of push back I get it but that is. such a dumb mentality to have you need.

to rip that part of you and throw it. away or. else why even why why even be with him. why even be with him with how self. centered and entitled and disgusting a. statement that is why put him through. that I mean he loves me he's willing to. go through it if he watches this back. will he love you yeah really really yeah. desperate.

no not at. all you're a person on this Earth I want. you to do well I also agree you are. worth it the general it just like any. other human you are worth sacrifice to. make your life better you are not worth. it to your life but I also but all you. do is [ __ ] your life I want to be. independent in a way I don't need to. rely on him because I can instacart the. groceries like but but you're paying for.

it and then just your minum monthly. payments alone because of how much you. stack it is going to 17% of your high. paycheck month just your minimum Mony. payments on past groceries do you not. see how dumb that is but I don't have a. car like it's just I get that but he. could stop at the grocery store I mean. yes sometimes if you schedule a pickup I. I've done that like I there you go do. that more but it's just easier to in it. and it is easier it is easier you're.

doing that thing you're doing that thing. from earlier in the episode I said I. know it's fun I know it's easier you're. saying things we all know they are not. good reasons they are not good reasons I. need to rip that from your brain I mean. it just feels good to me it feels good. that I I don't drive so I need food like. I I need food I need food meal prep use. the cookbook that comes with the. budgeting apparation here and guess what. have him pick up the groceries how far.

is the grocery store from your house. well hey how far is the grocery store. from your house was the question that I. asked that you're going to answer it's. like a 15-minute walk okay walk yeah. okay oh I know it's not Europe and we. all hate walking us in our. fat a little bit of groceries fine but. $300 because it's close to walk you. could do shorter trips you could do. smaller trips more frequently and it's. honestly good for your health yeah it's. what everyone else does in the world I.

mean except for El Canada the United. States but I'm just like lazy it's easy. yes you are thank you self- admitting. selfing admitting and you should you. drag him down should you drag him down. is it his fault his responsibility that. you are self-confessed lazy and you. refuse to do anything about it because. you'd rather just be an entitled little. Brad for the rest of your life no he. doesn't deserve it oh I know but I mean. he he also enables it in a way like he's. not he knows I do it I mean we just. you're going to blame him we just got a. you're and he hasn't bought any of the.

food I always instacart it like it's. just enabl that's not enabling you. that's him just being uh not present. which honestly is not a good quality. either in that but that's not enabling. you no no no you just try to deflect. with saying he enables you try to pull. out a buzzword like that to try to get. out of this Fu you have through this. entire damn conversation I have seen. nothing but. spoiled. lazy and.

entitlement they're enable what enable. when I tell him that in the post show. when we bring him on when I tell him. that what is he going toing say that you. deflected and try to get this P five. different Coach purses and I say which. one should I buy and he sends me the one. that I should buy yeah is that not. enabling. slightly a little bit but but it afflect. the whole thing it is still your choice. in the end to Pur I mean he he it's.

making me happy so I think he just. you're happy to be in this hole into not. being engaged happy to have a Coach. purse which what's your retirement at my. retirement yeah well I you're happy to. die in poverty I to die in you're happy. to not have a car do you want a car I do. I do want to drive um I you're happy to. not have the thing that you want you're. happy to not have the engagement you're. happy to not be healthy you're happy to. not have all these things you want. you're happy to not get 7even seven of. these you're happy to not get seven of. these and only one instead you're happy.

with this you're happy with this life if. you're happy with this life you're never. going to change you're never going to. change if you are satisfied but you. should not be satisfied because your. life is not good your life is not good I. mean it's a little good it's not good. you are making it worse and you are. going to have to at 25 30 you are going. to be battering down the hatches because. of the hurricane you have created right. now being a spoiled brat and then. instead of taking any responsibility in. your life you say well he enabled me and.

that's why this is happening listen he. might a little and he should not. encourage that but it is still your. choice in the end that you are making. yeah don't pull that I mean it's just I. didn't so much before that it feels nice. that I can finally neither did I grew up. in lower middle class we got foreclosure. notices on the house who gives a listen. I work for the I budget I'm smart I pay. I'm smart with my money I'm D but smart. with my money for what I want it's just.

taking me a little bit longer to get. there well no you're not you're only. putting what you want on debt you're not. working for it you're working to pay off. the interest on the things you've. already purchased I don't know what the. you're talking. about I paid off my debt I sacrificed to. do it so that I can buy the things I. want now I bought the car that I drive. out front that I absolutely love and I. purchased that because I sacrificed paid. off DE got a fully funded emergency fund. and then I could cuz I budgeted it. you're just Deb de de if you wouldn't.

got a car today to fulfill that need. you'd get like 25% interest dumb car and. you look at one lot that's what Someone. Like You does and you'd say I deserve it. I'm worth it well I am but um it just. yeah I. don't that is a mentality that I do not. know how to fix listen use the therapist. A sound mind they're a partner of the. channel you get three free therapy. sessions our guests or our audience uses. them I use them you got to deal with. that mentality that is some stuff tell.

say everything you've said in this. episode make them watch this episode to. onboard you my F this is crazy. dude so what all are you buying on car. you're just saying groceries is it. groceries bring up your clar will it. show me yeah yeah um I have the uh one. um I did by my coach first on Clara um. you. tried that's really you told me they. were necessity groceries but like it was. kind of a necessity to get a new.

necessity no it. [Music]. wasn't but yeah I think um first of all. you're spending a lot on groceries I. mean this is this is insane 207 like. every week yeah we do I mean I cook a. lot I don't. necessarily budget when I'm cooking I. just kind of make what looks good on Tik. Tok in the next seven days just in the. next seven days these payments this is. crazy so just in. it. should that's scary the fact that that's.

where your mind is you're okay with this. all makes sense you are still in the. mindset of like these minimum payments. or these things that I'm delaying are. okay because I get paid on the day right. before they get taken out so you are oh. my gosh the way you justify this you. need to build a budget you need to stick. to the budget you need to have. discipline it just feels hard to I it is. hard but you have to put the work in go. through the budgeting class you get for. free 10,000 people in our audience have. literally taken our budging class in all.

of our classes I mean they get them into. a discount but again you guys get them. for free cuz you're a guest on the show. take it and I will walk with you take. the quizzes I will help you but just. because something's hard is not an. excuse not to do so this your mindset of. I can do this because I get paid. tomorrow that is so scary you cannot be. in that situation yes it's instacart. instacart insta instacart instacart. instacart all Odin the next month then. Coach instacart instacart instacart it's. it's already stretched out to April. instacart instacart instacart coach. coach coach coach inst oh that's.

completed oh thank June June is still. coach on a monthly basis just in March. let's just see cuz you're going to. repeat the cycle 70 point 7037 + 2.95 +. 49.9 + 18.33%. 63.9 plus 25.6 5 plus 4.05. plus. 70 37 +.

49.9 what the is offer. up what is offer up what is offer up um. well it's just like where you can post. um like stuff to sell or like buy random. stuff but I feel like you probably buy. well yeah it it just popped up said I. have something you might want to buy. well you can't afford relationship with.

offer you have a weird relationship with. money you don't respect it you don't. understand how it works so no sh Doom. scroll you know like even if I don't. everything's fine to do I don't give a. it doesn't matter your minimum monly. payments alone on this is. $42.39 and I know that goes down on a. monthly basis sometimes I know that goes. down oh well I know that you'll pay. sorry I meant you will pay off some of. those line items in a month basis but I. know you replace them cuz all you do is. go back so that's what your minimum.

payment is but you can pay this off yeah. well two months I have so many like. payments like it's hard to you. know well there you go there shows that. you can't do it there shows you can't do. it you just you just proved it you just. proved that you can't manage your. minimum monthly payments the thing that. you said you could in the beginning you. just proved no. no you just accidentally told the truth. you just. told you just accidentally told the.

truth you just accidentally told the. truth for the first time in your fing. [Music]. life and you're not very far from your. karma limit by the way yeah oh you order. wine through there as well well that was. like for like a girls night thing girl. night I have them pretty frequently off. our debt night should be every night in. your house you don't have you literally. don't have money you're at your MK. you are just I mean there's always money.

to hang with the girls no there's. there's literally not you don't have. money so there's literally. not but I can just instacart. it and clner it so I do kind of have the. money I mean I had to get the spending. power I don't know what to do with a. creature like you that's impossible how. are you not overcoming this how how how. is what I'm saying not breaking through. to you what the do I.

do what is M Mercury. Mercury and like this is like a credit. card I opened like freshly 18 19 freshly. 18 well when I was with the high school. boyfriend jzy so like I just half of the. charges are just junk and I think I have. been making kind of the minimum payment. and not really able to Freshly 18.

because everything now is about. infantilizing ourselves the younger we. can make ourselves so long ago like I. just I've lived a lot of life it wasn't. in your life it literally wasn't it just. seems like so many credit cards go like. it's just well yes because you're a. dumbass money but it's it's who cares I. just I don't get it doesn't it doesn't. matter stop trying to make yourself. sound like a child and for that being a. reason why it's not an acceptable reason. when I was freshly 18 I went got a.

Guitar Center card and I it by being a. dumb and buying a piano with it a nice. electric piano that I still have cuz. it's really good but it was my dumbass. choice not because I was freshly 18 but. like a lot of it too like I know it was. my choice to open it but I definitely. felt the pressure from the ex-boyfriend. like I need to. support part in and out of jail like I. was putting the money on his books like. no he's a piece of he's a piece of and. there there is that's that's the only.

thing in this conversation that you so. far have said that. is. more like uh I guess appropriately. victim me in a way CU you tried to. deflect a lot of things and a lot of. [ __ ] excuses but yes he's a piece of. [ __ ] and I wish you would have gone away. quicker and I wish you had someone in. your life to tell you that but either. way that happened and he's a piece of. and he's in prison so good for what um.

armed robbery sounds about right yeah he. liked to do well you said like you. brought up offer up so I got kind of. confused cuz he used to like meet up. with people on offer up and Rob them um. oh my and yeah this is insane when you. said that I was kind of can I call him. from no he's in prison yeah can I call. him no how would you call him you can't. call people in prison that's not how. that works. oh wait I. thought okay they have to call me yeah.

yeah it's like collect call so you have. to pay for it as well to talk to them. what I can't like get someone to go get. them I don't know during covid they had. where you could make like video visits. with them for free because it was like. Co but I can't like call them in the. post show no absolutely. not try how would you can you get in. contact with him and ask him to call us. well like you can like email the inmates.

but I haven't done it like obviously so. we have to wait for his computer time oh. yeah. yeah like he's in prison prison like. okay you you have a. $828 minimum payment on this with a. $2,292 32 balance purchases you're still. [ __ ]. purchasing what's the credit limit on. this you're over it again you're over on. two and almost on clar lady at this. point what the [ __ ] are we doing there's.

always money for girls night there's. literally not we've talked about three. debts so far and two of them you're over. and the other one you're. close you are fing this up so much this. is unacceptable you are choosing girls. night over your engagement you are. choosing your desire for Sweet Treats. over your engagement you're choosing. makeup over your engagement you're. choosing you having a little bit of fun. over your engagement you're selfish and. the actions that you are doing are.

disgusting I am not going to sugarcoat. it this is huge for financial audit for. a year now my team and I have worked. with experts to create what I truly. believe are the three best educational. programs in the financial space online. we have our budgeting program where I. teach you how to create manage and. revolutionize your budget and control. your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what.

specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary. project that we've been working on for. over a year now and just like over. 10,000 people who've already taken our. educational programs you can now take. advantage of all three of them bundled. together at a 15% discount I've heard. from thousands of people now who've.

taken these classes and they've. literally changed their lives for the. better and finally you can too at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this it's is when you put it like that. yes how else would I put it that I'm. just young and having fun no you're not. you're 25 oh I'm 23 you're you're 23. it's you're not. 18.

anymore I mean yeah but I just I'm. having fun like with my life like and. you're choosing fun with your life over. your fiance no not fian f with him. though fiance no not always it's just. like when you get the makeup is not fun. with the makeup is not fun with him. happiness makeup is not fun stuff is. making me happy what do you even want to. do for a living because this is going to. be so hard to crawl out of with your. eight like 20 whatever dollars an hour. 22 it's going to be so hard in Seattle.

and not cheap area I'm working on. promoting uh like my so you want to. promote within I do but I need to learn. how to drive and work on driving I have. like why you learned how to drive I just. have severe anxiety like I've tried I've. taken the written test multiple times. I've worked with I panic and I like will. stop in the middle of the road okay I. get it I mean I have a panic disorder. when it comes to Flying and nails so I. get it yeah and like I see a therapist. I've paid for classes like I'm have to.

put in the action like I know like in my. future I need to have a car you have to. put in the action you can also take. public transportation you admitted that. yourself yeah so you're afraid of. driving you're okay with being in a car. yeah with someone else like for the most. Uber you can U for now I do always Uber. there you go but like 30 hours a week is. no longer acceptable when you have to. pull yourself out of this listen I will. gift you a c certification of your. choice through course careers have that. boost your resume to hopefully get you. up the corporate ladder a little quicker. yeah well end goal though I want to be a. wedding planner that's and like nothing.

to do with what you just said I know but. like I just kind of like want to have. run somebody else's company for he hey. hey hey you know what you don't get to. have those goals you know why because. you are in so Much Death that is holding. so much risk over your head that you are. literally unable to start your own. business because you just can't do that. CU you don't even have an emergency fund. for your own self when you start a. business you want to go in risk- free. best way to do that is to not have any. bad debt you have a lot of bad debt in. fact Max. best way to go into a business is having. at least a Year's emergency fund for. yourself so you can cash flow your.

Necessities while you are trying to put. money and time into doing business that. will not return right away that's what I. did that's what people do that's what. real people do who sacrific to make an. impact in this world that's what 48% of. the job creators in this country do. that's right 48% of the jobs come from. small businesses I don't know if that's. private sector only or including. government jobs but that's what you. could do but you don't even have the. ability to do that you know why because. you have bad debt it is over your head. you are required to have an income on. the first day or else you won't make. your minimum three payments you are.

holding yourself back from your dream if. you don't give it enough about your. fiance to get out of this hopefully at. least this is the reason you would want. to get out of this if you prefer to have. your business and dreams more than him. if that's what gets you there then that. will if that's what if that's what gets. you there fine $60 48 C of interest and. guess what yep you're only doing the. minim of the payments $66 48 the. purchases what the is a bolero uh oh. that's a bowling alley great that's.

worth going over a credit limit at 31.2. 4% interest but that's just like an. experience like it's like I'm just. living life like being young like okay. she doesn't give a shut the up shut the. just stop KF QFC that's a grocery store. $104 um I don't know maybe just you went. and got you went and got like an energy. drink or something maybe I exactly I. know what those I've been through enough.

of these well it's not like I just like. walk to go and get stuff like that like. it has to be like out of my way for me. to want to go in it's 15 minutes 15. minute walk in America to a grocery. store is actually pretty minutes but. even still this is the example like you. actually have a very blessed situation. most Americans have to drive on aing. four lane made it work like I've worked. at. I've taken public transportation like I. I'm doing it like so doing it it's not.

NE your credit limit on two cards almost. on the clarina then oh good almost on. Mission Lane as well CU you owe. $1,237 39 cents the credit limits 1,400. so you're almost there you'll be there. before you know it because now there's. no money to spend on the other card so. you just put them on this card yeah. there's no purchases here there will be. soon because that's all you do now you. can't spend on the Ala now you can't. spend on the the Mercury so you'll spend. on Mission Lane yeah betcha that's what. you do I know how you work how long does.

this take to pay off minimum monthly. payments only without purchasing arm. which I highly doubt will actually be. the case but go go for it maybe four. years okay it's going to take nine years. so you're going to be well into your 30s. congratulations that's a wonderful place. to be debt with. no yeah 9 years N9 years tell you can. get engaged how does that feel how does. that feel that's great 9 years until you. can start your business at a minimum. that's really great great that's so good. feels like my biological clock's ticking. yeah so there you go no.

baby $50.39. 23 she's not even 25 she's. 23. yeah we just got to cut back everywhere. we just got to cut back everywhere you. need to make more money you need to Uber. like I can't stop spending yes you can. yes you can and you need to work with. your therapist on this cuz you're just. saying what I want what I want what I. want I mean you can do things like. switch your phone bill to helium for. like 15 bucks a month you can do small.

things like that that's easy there's so. many options we can do you don't need. $250 a week on groceries I know for a. fact you don't need to be eating out you. don't need to be getting your B this. Mercury I mean listen you had fees last. year probably late. payments yeah I multile three or what. the were the fees maybe because like the. does I have a card fee it's in a 35%. interest r. kill me now yeah no wonder he's not. getting engaged I wouldn't this is a.

mess and listen to the way you talk well. I think he doesn't also like fully know. like he knows I'm in debt but he's about. to know in the post show he's about to. know in the post show you F you I'm. going. to this is crazy Credit One no Fu way. actually have two credit ones of course. you do your your entire image. is just I fully understand it now I'm. not surprised that you have a credit one.

the worst of the worst of the worst of. the worst you have to be the worst of. the worst Ty of cred why is it the worst. though like cuz you get fees on a. monthly basis that are stupid but it's. you don't even have to have a balance. Credit Karma recommended why would you. listen to them who wait are you not. supposed to listen to them why do you. care about that if you're going to you. should have you're reply because like. most of my financial devices come from. them what like I read all like the tips. and hints and tips and hints are. okay you should apply for one more card.

to increase your credit limit oh my God. here's some options and that kind of. works if you don't spend on. them it's all you do is spend you don't. know how not to. spend you're draining my oxygen with. your. stupidity you just get fees and the oh. you go on here and you purchase $47 of. ubering eats ubering eats that's more. important that's I don't drive like I. don't drive like you shouldn't be going.

out to e at all it doesn't matter if. you're getting a deliver or you're. going how do I that should not be. youring excuse that should not be your. excuse how do I how is that your. possible excuse after to this. conversation you don't drive you. shouldn't be going out regardless you. shouldn't be going out. regardless it's is I don't this is an. impossible. conversation this is an impossible. conversation Credit One credit one okay. Credit One let's see huh what do we got.

oh good $65. 36 on a $700 credit card so. there you go add that to the almost. maxed out well done the minimum payment. of $31 you get your fees you get your U. you get youring minimum monthly payments. you just get the bull bull [ __ ]. [ __ ] so stupid so stupid we're $47. of interest rate on here so stupid my. New Year's resolution was to stop Uber. well guess what we're almost done with. the second month and you haven't stopped. so New Year's resolution failed like all.

the other ones. congratulations I'm working on it no. you're not you're literally not you just. purchased on Uber AG shut the [ __ ] up. shut the [ __ ] up you're a child I'm I'm. I'm borderl done with this conversation. keep going and I'm ending it seriously. this is so stupid the credit won again. $422 47 cents it's been a we don't I. there was like a month where people are. just horrible and I just had to kick. them off you're approaching that level. it's been a long time just stop you're.

being a child $30 I know it's hard to be. on the camera for the first time in your. life I know it is hard to get. confrontation for the first time in your. life you do not have to justify. everything you do not have to be a child. you do not have to be someone listen it. is okay to take some feedback and just. accept it $30 minuty payment on this one. oh guess what we got our fees we always. get fees on credit one that's what the. credit one's known for and then $10 of. Interest almost maxed out you got fees. you got bull. it's stupid it's pointless it's dumb. you're ruining your life and you're.

putting this over your engagement over. your business over your goals over your. desires over your biological clock over. your blah blah blah blah blah blah blah. anything and everything you've possibly. named oh good there's actually more to. go through how the possible is that even. possible plus one what is this I've. never even heard of it in my life oh. it's Plus Finance oh I'm sure it's just. another one of the ones that credit card. recommended that credit card who gives a. what they recommend dude they are. getting a Comm from you I mean on there. in general when you open Credit you're. opening credit to get a certain reward.

that you want to do or on a credit. building strategy but you just max them. out so you're not focusing on the credit. building strategy and you're not. focusing on the rewards either because. you're just taking the ones that they're. like most likely to get you be accepted. of course Credit Karma is going or. credit one's going to accept you they. accept anyone they're Bottom Feeders. they also have this thing where like if. you don't get accepted they'll send you. $50 guess what everyone gets accepted. for Credit One they're Bottom Feeders so. that's a dumb stupid thing plus one you. owe $ 938 let me guess the credit limit. is going to be like a th000 or something. let's see or 900 no it's oh it's ,100.

it's the furthest you've been. away almost $70 160 bucks Interest being. charged minimum the payment being made. okay minimum monthly. $34 and there's interest being. charged six years to pay off. upstar why are you taking out an upstar. loan well it was in 2021 around the time.

I moved out of like the Craigslist guy. um I really needed money um I was moving. around I needed to get out of that. situation and that money. help yeah it was it was rough uh he had. a um tattoo of a camel on his big. toe like camel toe well don't make him. sound cool. oh I would argue that that's not cool. but I'm kidding okay current so why so.

you had to use it to move out from the. cre yeah well kind of so um yeah and. like I moved like about an hour and a. half away and with like my great a um. and was just kind kind of trying to why. have you had no stability I'm so. confused why couldn't you move back in. with your grandma um she's just older um. I mean obviously you're independent. still but it's a roof that's all needed. right kind of um did you need your aunt. to do anything no um so how long were.

you the with the man from Craigslist. like maybe five months five months the. whole time he was trying to yeah and I. would like bring guys over and like he. didn't care like just was kind of always. uh trying to get after. me uh well to be clear I I I just want. to be very clear you did not go in with. the acknowledgement and consent and. intention to no we never did ABS I was I. wouldn't give a if that's what you guys. were de interested but like I think what.

he was expecting was like oh a woman's. going to move in she's going to want to. sleep with me and do my laundry and like. cook for me and like it's going to be so. great and I have two kids maybe she'll. take care of them um but that's not what. he got with me listen I I don't care. what any consensi adults do if you go. into it with an attention but you didn't. so I don't he so Weir well and my great. aunt actually came with me to view the. apartment before like to make sure like. check it out with me so like I don't. know like you never gave in did you no.

good thank you thank good he doesn't. deserve that okay so 5 months and you. had to borrow to get to your great aunt. you have to borrow to get to her well so. it was like about an hour and a half. away um so I had to like move my stuff. movers um and just kind of how much did. you have in this house that you were. only there for 5 months wait what movers. you needed movers what did you have like. all of my stuff that I like have. acquired I I previously was you don't. need stuff when we're on survival mode.

you don't need stuff like I had a. three-bedroom house for a little B I. know but you don't need stuff honestly. it would have probably made sense for. you to sell that [ __ ] to sell it and. make money and pay off back probably. well still today but I mean yeah how. much of it do you have today all of it. sell it but like I don't care I don't. care you're you're dying in debt and. it's preventing you from actually don't. sell it yet not until you fix your. behavior else you'll just build I. actually want to buy a new.

couch so like don't like I don't know. what else to say don't you know why at. this point everyone else knows why and. I'm not going to put the energy into the. why like it's fing stupid you think. you're in a position to get a new couch. well maybe like I could make payments on. it me my boyfriend like he doesn't have. very much credit he can do it you can't. he I mean like God like 1,00 like we. were looking at a couple like that. doesn't Cur boun is.

1,416 fing stupid dollars the minimum. monthly payment of $74 it's a 31 it's at. a 32% interest rate $74 and5 minim monly. payment I even going to let you finish. that though it's the dumbest thing I've. ever heard in my life stop being with. like a pull out couch so I can have like. my girls over like it's girls over yeah. I don't give a about your girls go over. to them to them go to a park with them. go to Lake with them go to theing. little whales go to the whales okay go.

whale watching yeah go whale watching. well from the shore don't for free that. like boat that you can. yes this is not a pleasant. conversation I I hope you watch this. back back and. see the things you are saying I know.

again you are not used to being in front. of the camera it really is interesting. how that works and you are not used to. getting push back I need you to watch. this and can reflect on this well my. therapist actually told me I shouldn't. watch it just you shouldn't read the. comments you shouldn't read the comments. just like we tell every every other. guest every well every guest but maybe. watch the episode and reflect on it yeah. download it or something she said she. was going to watch it good give me some. feedback yeah [ __ ] good thank cuz. you're kind of uh insane she won't like.

me saying that but I mean there's 31. cents in your checking. account Bullit. purchases what are we doing oh what what. is your life you you don't give a. f you've put no effort in to trying to.

do this thing that the boyfriend is. requiring for fiance ship which is fair. because you're being a dumb your money. and self. centered just Apple Amazon Amazon Amazon. Amazon. Amazon. zel why zel my boyfriend that's our rent. um. Mac remedy Amazon Apple Mac Target what.

is the Mac is the makeup no that's the. dispensary we go. to um like the ATM. foring yeah what what I'm having Mac Mac. Mac Mac Mac Mac well actually like I'm. having so much Mac I'm having hundreds. of dollars of Mac I used to spend a lot. more I've definitely I don't I've seen. hundreds of dollars a Mac if you're. spending if. hey hey if you're spending more it's. also stupid but this is absolutely. Beyond still stupid societ.

Pro this is like $400 this has to be. close Olive Garden probably after you. smoked a bunch of mac Apple zaling out. money Mac Mac Uber Eats probably after a. bunch of mac I didn't know you're fing. pothead now I understand why your brain. is completely broken Apple Bill Apple. Bill savings $1.72 technically more than. ouring chuckin account look at us 734 in. retirement guys we're well in our way. pull up your phone subscriptions peacock.

and photos photos maybe but you've had. every streaming servers it looks like I. mean come on on Max there's at least. White Lotus that great I do did you have. peacock what the [ __ ] is peacock for. okay. Amazon does he had a lot of Amazon. purchase there's five things in your. cart what's going to be in your cart oh. good some oversized long jumpsuit bu we. really need girls therapy B easy. coloring book you don't need a coloring.

book just cuz you act five doesn't mean. you need to really Act five stop being. dumb you do not need these artificial. plants you do not need these drain. cloggers you do not need these little. okay maybe you need the drain clockers. in the rope that goes the drain because. your pubes keep going down the drain. whatever Himalayan cheese oh that's my. do he really loves those yeah and you. can't afford a dog well air tag holder. air tag you can't afford a dog you can't. afford a puppy you couldn't afford pet. insurance to save your life you have.

cents in your ticket account you can't. afford a dog it is irresponsible for you. to have a dog me and my boyfriend Shar. dog you don't recognize this you don't. recognize this listen not everything's a. [ __ ] fight shut the f up you cannot. afford a dog it is as easy as that jeez. for [ __ ] sake dogs dogs dog this is dog. dog dog dog dog do dog do doir tag dog. do dog shut the I don't care I don't. care I don't care. you can't afford it hidden expandable. men's cozy hidden what's he hidden.

expanding well every time he gets a. boner it just Hinds it what what is he. expanding hidden I don't know what is it. do you guys share an Amazon account no. what the [ __ ] is going. on stupid stupid it's just stupid it's. stupid it's stupid it's stupid it's. stupid it's it's stupid it's stupid it's. stupid I feel like I should yell at you. guys for making me go through this. stupid. [Music]. crazy yeah $150 every two weeks is your.

cut budget $400 every two weeks is what. you used to do. on yeah can say now you're $150 every. two weeks do you partake do I partake. should i b some edbl I actually make. them no thank you I'm okay I get anxious. with them listen I don't have I don't. have a issue with like I don't have an. issue with sex I don't have an issue. withing beer I don't have alcohol or. whatever if you if you are able to. recreationally doing something without. an addiction that's fine but you are on. an obviously habit pattern a pattern.

that a lot of people base their life. around eventually come on more. information is coming out that it is. really not healthy for you more. information is coming out that people. get more life dependent on it even if. you don't get the withdrawal symptoms. that you would get other things you tend. to feel sad when you're going away from. it you tend to like what is the point of. like I I used to get high and go do this. now it's not as fun to go do that. anymore a lot of people are really. recognizing this in today's culture I. don't have a problem against with. subance on a recreational way I don't. care I get anxious so I don't but I.

don't give a you are obviously in a. habit driven mode mean if you stop. things would be sh for you it's a part. of my daily life I've exactly for many. years smoking me and I think like it is. kind of like my medication a little B. girl a month and a half of your income. goes to your annual amount on your cut. back budget cut back budget meaning 3. months went to it previously 3 months of. your Starbucks working. everything makes so much more sense and. I understand why you are completely.

fried fried what is your portional rent. $875. $875 okay utilities your portion of. utilities um well I pay the internet and. the like PUD is usually it's about $200. a month theu is a PUD that's like our. electric bill. that's crazy what's your phone bill uh. 55 it's actually not the worst again I. would switch to something like helium I.

do I'm also paying how much for public. transportation in Uber on a monthly. basis what do we a lot to it a lot come. on what what can I a lot. $100 like on the high end for I don't. know how you'd afford a car payment or a. car insurance yeah I think that's like. part of the problem for me um especially. with all like my payments like ideally I. would cut back a lot of the credit card. debt and then I could afford a card. payment instead or car. insurance I I don't know man I don't.

know [ __ ] gets real expensive interest. rates aren't great car market hasn't. fully corrected all the way down I don't. know if it ever will. again well I think I'd be willing to. like take out like a like a loan maybe. or like great let's delay the engagement. in the business even more well done life. has been so successful every loan you've. been so good at everything's been so. well yeah let's keep car lo oh a car. loan that's not any different it's only. on a deeci an. asset well I just don't I don't really. know how it works but no.

sh I'm not going to explain it cuz I. don't think that's not where we are in. this conversation at this point we're on. the basic level of literally your. minimum to payments for fun are a. [Music]. $825 [ __ ] crazy dude necessary food. you're allowed to contribute $300 to the. household food you're allowed to. contribute $100 to the TP fund this is. also makeup that is your Ulta that is. total paper it is tampon say it is. anything and everything you need. medications on a monthly basis or any. medical expenses what you said you have. therapy yeah how much you spend on that.

it's actually free work how much. medications and everything um like $40. on medication okay gym uh yeah I have a. gym membership uh. 27 subscriptions do you pay for pet. insurance I don't pay for it okay no. subscriptions for you canceling that. bullsh certainly don't need it oh your. phone bill is 55 I put that in the wrong. area Okay anything else that need to be. in your budget that I have not taken in. account yet well the no are you [ __ ].

moronic that needs to be in there. okay then with that go I'm willing to. cut it but it has to be in there a. little bit it's not in there I'm a part. of my fun or like that $100. like guys join us for the PO show after. this I'm going to at least hopefully try. to make progress with her boyfriend. talking to her hopefully that'll help. because after that that's the dumbest.

thing I've ever heard in my life shut. the up Hammer Financial score. you join us in the post show and make. sure you download the simpler budget app. so your finances don't end up like her. and you can take all of our classes. bundled together for 15% off joining the. over 10,000 people that have and have. changed their financial future I'll see. you guys in the post show join below. come on it's dumb. she said this is because you enable her. in a lot of ways.

I do you really think it's your fault. but we're having fun oh good they're. having fun maybe you guys should get. married cuz you guys are both stupid and. you're both going to die in poverty let. the rest of us watch you die and crumble. but it's fun you know you guys are. addicts yeah to watch the financial. audit post show click the join button. below.