Pathetic Sugar-Baby Is Mad I Won’t Date Her | Financial Audit

you have nice strong hands I don't give. a if you like something I like you being. able to survive and retire me I said I. like you being able to survive and. retire you have pretty eyes just amazing. I'm trying to finish this episode lady. you're insane your eyes look pretty stop. what the are you doing they look like. pillows that I could lay my head on stop. you already said the eye thing okay your. hair looks nice stop what are we doing. am I not allowed to compliment you thank. you for the compliment you're welcome. your eyes are far apart.

download my new simpler budget app today. and take control of your money once and. for. all hi my name is Evelyn I'm 29 years. old I'm from Lebanon Tennessee and this. is financial audit wow thanks for coming. down to Austin what do you do up there. for a living I am in vetmed vetmed yes. vetmed okay uh in what part of vetmed. I'm a veterinary technician so there it. is okay what do you make um I make. around $50,000 a year okay I'm not too.

sure about Lebanon Tennessee I don't. know the ex how exp how how are you. living how does it feel living in that. town on that 50,000 that could stretch. far and wide or it could be tight and. small I have it pretty lucky I only pay. $57 a month for my rent then why the are. you possibly after paying groceries. would be the question I would. immediately ask thinking that I'm lucky. because of that I don't want to dig in. too early too hard.

but I'm lucky because I only pay that. much in rent and you're right that is an. incredible amount of rent for you then. why am I seen. immediately after paying for. groceries but not just after paying for. groceries not just as paying for. groceries getting kicked out of a firm. kicked off a firm yeah yeah well rents. only. $500. 570 uh-huh a fraction of your income an. incredibly small fraction compared to.

most people why possibly would we be. kicked off a firm why possibly are we. after paying groceries sorry I'm not. trying to start too strong but hearing. that number of rent I I it was that low. I was like okay you know rents usually. the biggest part of someone's income. biggest ongoing expense so maybe it was. so high that she's almost forced to. afterpay for groceries no no so okay so. go ahead what the f what is what is. going on here it makes more sense to me.

so okay you're getting what you want. when you want it but you're only paying. it in fourths so like 1/4th and then 1/4. and 1/4 yeah but that continues to stack. up and as we have minimum monly payments. which you have endless of those is. become more minimum monthly payments. instead of you going and just buying I'm. not saying that's necessarily a bad. concept but for someone who Stacks up. minimum monthly payments throughout. their entire life on every single little. thing it just becomes another one which. prevents you from there are missed in.

and no paid on things in. here yeah you got kicked off airm I. understand the philosophy. of split in four or you know whatever it. is like I like a good finessing of. things you got kicked out why' you get. kicked off um I bought my Mom a purse. for her birthday and then how much was. the purse I think it was like 400 okay. you make 50,000 okay I wasn't working. this job when when I did that how much. were you making then I was.

like $19 an hour but okay well even. still maybe you would have been able to. budget this you split it in 400 bucks. over the course of you know few weeks. what what happened why possibly because. I spend money on stupid okay so then. your philosophy is broken if your. philosophy is I can split this and it. makes it not just necessarily more. manageable but maybe it's the best use. of where money can go and then the rest. of it's going and thrown into investment. that that would be something that might. make sense but you you do it.

and then all the money that should be. going to paying those payments that you. delayed then goes to buy an extra things. so then you don't have the money to. actually make the payments on the thing. that you borrowed on so you didn't pay. and they kicked you off yeah no I can't. yeah it's never even heard of getting. kicked off a firm I'm pretty sure it's. in collections are you able to affirm. anything no really so you're just done. yeah you've been cancelled by a firm I. think I've never heard of this until I I.

pay it oh and how you pay it wait when. was this maybe like two years. ago why haven't you paid $400 in two. years I have a bad habit of just if it. if it goes It goes if it goes if what. goes what do you mean goes if it if I. don't it's not I don't know if it's on. my credit report maybe there was a lot. of this is a thick stack I don't know. you don't know you showed us your credit. you didn't. look sometimes I just don't out of side.

out of mind what's your credit. score do you even know I've been told. you've been told by what do you mean. you've been okay okay okay in my defense. I've been told that Vantage score is. different than um what's the other one. it's like Credit Karma is different than. the FICO that's what it is Vantage and. FICO are different okay yes this is It's. guessing essentially based on the. information you have but it's pretty. darn close usually it's kind of dialed. it in every once in a while it can be. you know a little for other people but.

mine's really close it's like. 580 that's funny that's cute no that's. cute that's that that's how we live our. life I du uh and that's been like a long. time like long long time that goes back. to like previous boyfriends and yeah and. I'm still previous boyfriends. immediately def I up and instead of. going down the I up train which leads to. some potentially accountability it. immediately goes go to it goes back to.

my boyfriends no I'm not placing the. blame on them I'm placing the blame on. me I I was a idiot you're still. financing groceries what was this. morning you bring in. $50,000 a year mhm I don't know the cost. of living for that area all I know is. your rent is dirt cheap for really rent. in the United States in. General yet again your reality is. financing groceries missing payments and. a bunch of other stuff that we're about.

to go into these are but the financing. groceries is an action you are taking on. a daily weekly basis you know that's. something you can change now can we. change a collection from two years ago. sure we could you know pay it off but. you can't change that it went into. collections at this point no but you can. change the financing groceries yeah but. you're not cuz you still get the money. but the money that you put towards it. you put towards other things instead was. your self admission you said I haveed up.

which is relatively okay that that that. happens IED up a lot we all have it is. called growth but you are still doing. the action today but you said you have. up before previously and you're just. trying to deal with that now is kind of. what it makes it sound like but you're. doing this now it's not as bad now okay. that's what literally everyone says so I. don't believe it necessarily I don't see. back then all I see is you spent $800 on.

door Dash in one. month yeah you remember when you say you. have $400 in collections for one thing. $800 in a single month door. Dash I don't have sympathy for that I. eat out of. sadness what the is in front of me right. now that's not an answer that's some. bull thing and then you giggle about it. I where do you think you are in the. world of finances 0 to 10 10 being the.

absolute best zero being the absolute. worst where do you think you. are. four you just told me your credit score. is four what do you do you watch the. show where did you apply from where did. you apply from to come on this show I. saw it on Tik Tok and then I applied the. show on Tik Tok yeah and then you. applied yeah so you've seen the. cliffs oh have you ever seen the full. episodes yes like so you know how in the.

world would you consider yourself almost. close to just a solid downthe middle. five I didn't think I was as bad as the. other people as bad as the other people. in what way you have collections miss. things I see like a th% interest Loan in. here again $800 on door Dash we've seen. the door Dash Tik toks what do you mean. why do you think you're. about that mindset could be why you're. here today in general you could be like. oh I think I'm doing you need to be. brought down.

to the reality of your situation okay if. you actually think you're doing okay or. better than most people on the show you. need aing wakeup call. dude so you wouldn't say that I'm like a. little bit higher than the other people. how could I do you own any real estate. no what's your retirement at. 29 I couldn't tell you I could probably. pull it up I could tell you. just barely over a, yeah it should be.

50,000 in a year from now what's in your. emergency. fund nothing uhhuh and there's like a. 500 million per interest rate loan in. here and our credit score is below 600. so you're a four out of 10 no you don't. know what you're talking about then what. would it be I'll give you a score at the. end but that's crazy to think that you. think you are actually up there it's not. even like a four out of 10 is good but. the fact that you think that or that you.

think you're better than the guests that. come on. here all right if you guys want your. Hammer Financial score Link in the. description below it's free it's fun see. where you are see where you are and if. you want to come on the show and you. think that you're better than the other. guests apparently for some egotistical. reason uh go to Caleb hammer.com it'll. be fun I'll beat you up a little and. then uh get your finances in order and. it'll be a good day so. four out of 10 four out of 10 four out.

of 10 staying solid there yes why do you. think you're better why do you think. you're how about you I want to hear your. logic why do you think you're better so. but I find I find funds in other ways. okay funs yes funds in other ways so for. example I have what you would call a. sugar daddy you have a su okay hold on. okay so $50,000 is your income from the. job you have a sugar daddy do I conclude. this is your income.

go ahead and explain so but that like. that raises your score I have a sugar. daddy guys don't you know that that's. one of the categories in the hammer. Financial score yes but I mean there. wasn't an option to put it but the thing. is I have never done anything for this. man like by myself okay so this. guy this guy you're talking like okay. sorry go ahead what go ahead okay so. this guy is someone from my previous job. he was a drug rep for my previous job.

and the funny story is is there was this. girl that I used to work with who had a. sugar daddy and she told me who it was. and he used to send her like $50 or like. buy her cigarettes or something and so I. went and found this sugar daddy and I. just kind of hit him up and I was like. hey I heard you're in the buying nude. business and he said who told you that. buying n nude nudes oh boobies booes. boobs yeah okay so I was like everyone. like boobs and he was like what's wrong. with that are you offended by what I do. in my own time and I was like no I'm. actually interested my hobbies my.

hobbies of boobs yes so I told him I was. interested this dumb motherucker will. send me thousands thousands of dollars. what sees this I don't care that is a. cast train that you just called him a. dumb he is dumb because let. me tell you what he's paying oh sorry. that was my bad let me tell you what. he's paying for he is paying for me to. find pictures of another person's tits. or ass and send it to and he's sending.

me thousands of dollars for this he's uh. very sad I can pull up my cash app right. now and show you this man has sent me. almost. $4,000 oh well my phone's over there. hold on can I go get it I'll get. it nudes of other ethnicities and he's. like oh yep those are yours I just so. honestly I find. the I find the prettiest boobs that I. can and he doesn't think they're. different ever I'm telling you he's. stupid how old is this I know so he's.

he's a sugar daddy but he's more just. like a paying for like a private off. sort of I talk a lot about financial. responsibility building a budget paying. off debt investing for the future and. it's all about taking control of your. money but real financial responsibility. isn't just about you it's about the. people who depend on you like kids or. parents or anyone else that relies on. you and your income what happens if. something unexpected takes you out of. the picture can your family still pay. the bills that's a big question a a lot. of people ignore thankfully today's.

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next step apply today at meat fabric.com. CB or click the link in the description. below that's meat fabric.com. cbme fabric.com calb thanks to fabric. for sponsoring today's video and like he. wants like pictures of asses and stuff. like that but never meet no I've met him. once in passing at my old job but then. he like tried to talk to me and I didn't. talk to him but this stupid still s okay. do I put this in your income is this how. long has this been going well he hasn't.

done it in a while because um I tried to. hit him up the other day and be like hey. um I want some sugar daddy stuff and he. was like oh I'm saving up for a trip in. March I can't do anything and he's. trying to be financially responsible. hold on let me show you what he looks. like fair enough instead of supporting. someone who's not I do call him mashed. potatoes this is what he looks. [Music]. like um so his uh his his cover picture.

is him I was expecting some like old sad. man no no no no no no so this is where. mashed potato I call him mashed potatoes. and this is why so after all that I've. been sending him like these pictures and. stuff never you never me it was never me. because he's stupid um and he thinks he. doesn't look traditionally smart yeah. okay he sent me an unsolicited dickpic. one time this man has so much smegma. that was old it looked like the flaky.

mashed. potatoes so now I call him mashed. potatoes okay okay open to a financial. audit. uh how much do you get from. smma no his name it's mashed potatoes. Captain smegma yeah how much do you get. can I wonder if I can call him you get. I'm I'm pulling it up I'm pulling it up. gosh did you want me to put this in your. income I'm trying to understand the okay. so there is how much he sent me in total. if you need to look at that. over the course of how long $4,000 $75.

away from $4,000 hour how much how long. it probably was a span of like seven. months you way he haven't gotten paid. since July I know because he's been a. broke I can't include this into your. thing maybe he found some other fake no. no so he got tired of um cuz one time he. only had like $250 left and he sent me. 225 of it and told me that he was going. to meal prep maybe dude's ready to he. tried to he tried to ask me to for.

$2,000 and there ain't no way I'm. putting mashed potatoes in my vagina and. that's illegal yeah I'm not a. prostitute okay so I can't include that. in your income and you think. adding that adds up to your score I okay. you're a special lady you're a special. lady clearly smegma thinks so so mashed. potatoes all right na Navy Federal let's. get into these.

numbers okay Navy Federal. $64.97 it's that much of a. balance um you only had $70 on it and. then you made the minim monly payment. but it didn't make sense and then you. purchase 112 why cuz interest is AC. crewing $232 is it crazy no but it is. interest AC crewing when you could have. paid off the. $70 this is so easy this is the easiest. thing in the world with the stupid Farm. stuff you're doing I don't really get.

the point why did I just pay off a $70. credit card and never pay the interest. that's $70 that I can't. spend huh wait why hits your account on. a monthly basis income wise um you even. know cuz you only spend on debt so would. you know every two weeks around like. before everything comes out like after. taxes it's usually around. 16,700 every two weeks so that's close. adds up 3,23 five that's what came in h.

what are the venos that came in venos. more tits it's my dad's child support. that my mom pays me so he pays her she. sends it to me so how much do you get. from that on a month basis um if he. doesn't quit his job. and cuz is this something we should add. or is it going to be like the other one. no this is uh I wouldn't technically add. it because sometimes he will work a job. for about 3 months and then realize that. Charles support comes out of it he's a. failure yeah I haven't seen it him in 20. years um and he owes like $440,000 to my.

mom for child support but what he does. say okay so 3,200 came in how much did. you spend probably all of that how much. did you. spend um your rent is so cheap how much. did you spend I know I at least spent. 570 of it yeah you rent so cheap how. much did you spend last. month probably more than I. made 3,600. I mean it's just it's simple again you.

only had $70 on here you only put $20 to. it then you purchase 112 I don't get the. point of that I really don't you could. be in a world where this card is not a. creu interest anymore and it's barely AC. creu interest this year it's it's like. all of a sudden you're starting to rack. up a thing on here is it's dash pass and. Country clotus and Dollar Tree you went. in and got some for eight. bucks then I think gas as well but like. I I just don't get it this is just so.

what's the country uh. clouds what' you say country clouds. clouds. clouds oh good you're a vapor too why I. we are creating an archetype here people. this is like this is incredibly clear. every single person does the exact same. thing on the show sells boobies failure. in life and general financially speaking. over spends has an addiction of smoking. clouds I get I get a deal on those. though. I do a deal yes because I'm best friends.

with a guy at the vape store and no no. he's gay I don't know you at this point. but based on what you've tell me so far. okay he's gay so he gives me two that. are supposed to be like $50 and I get. him for 10 or like and then I there's. like a tip system so I do tip him. because he's like 50% sure I me you. spend 15 bucks yeah so like I get how. long does that last maybe like a week. and a half also why just. stop when we were in high school we at.

the same age when we were in high school. people were not vaping yet like why is. this on you that actually started when I. used to go out and it was like a social. thing at first and then it just the. addiction oh I haven't gone out in a. long time not since and how are you. spending all this. money honestly I don't know where it go. thing what I said I'm going to brush. over that other thing but if you're not. going out how do you spend all this. money well it's cuz you bring the food. to you via delivery yes that's probably.

where 90% of my money comes from or goes. to goes. to yeah because I mean living okay. working where I work there is no rest. because I work in Nashville Tennessee. and okay Nashville is expensive so this. town's close to Nashville yes you rent. in you could have such a good life you. don't understand you could be setting. yourself up for success but you're not. how long have you been in this current. job since August you dude you have so.

much opportunity for an incredible life. and you're just saying no you're you're. literally just telling yourself no I'm. just going to. live in poverty for the in my future. makes no sense your living your your. rent you know people usually kind of put. that 20 to 30% what what is it again 570. yes 570 I mean Dad pretty much takes. care of that if he actually hits his. payment but if not let's not rely on him.

it's. 177% this is incredible you have the. biggest opportunity in the world and. you're just saying it I'm going to Door. Dash more money door Dash is more than. Rent To You by the way yeah more money. you're spending more than you make so I. don't what are you talking about at my. job we don't have an opportunity to take. lunch 95% of the time I don't take a. lunch and I can't leave so okay eat some. granola bars yeah you're working in an. emergency room it's a little hard I'm a. big back I need more than just granola. bars what big back do you know what a. big bag is fat.

yeah oh. [Music]. okay I mean I I well and then that's. also why I afterpay grocery sometimes. because if I'm going to get like if I'm. not going to Door Dash then you have to. get food to take to work but but but you. don't have to do after pay to get the. food to take it's interest free it's. interest free but you're adding more. minim Mony payments and you miss your. minim Mony payments sometimes. times you literally can't do a FM cuz.

you got kicked off are can you not. comprehend that I haven't got kicked off. of after afterpay no one gets kicked off. of any of them even the. worst Financial people on the show have. not been kicked off of. them you were kicked off that's insane. because I kind of was an and no. cuz you're a dump with your money so you. can't utilize those Services you are not. a credit card person you're not a person. you don't know how to utilize them for.

yourself I'd let you use the Fizz card. cuz it at least only lets you spend. what's in your checking account it's a. debit card that builds credit but even. still I think but even still I think. you're just going to see it as more. money to. spend yes they have them what did you. say it was called fiz card I'll get you. connected after the. show. Okay can that me up too can that up your. credit too everything can yep if you do. it wrong a checking account you can.

overdraft luck you can up everything I. don't think I've overdrafted this. account would you even know listen what. is this Advanced Financial 24/7 I've. never heard of that and that's because. it's probably insane in fact I know it. is what possibly is this um so 279. interest loan what the okay so I lost my. job and I needed money I didn't want to. get evicted this. was you lost your you didn't want to get. evct that's why you have an emergency.

fund I don't have it then don't spend. $800 a month on door Dash before I was. making that money hey hey hey hey no now. because you don't have an emergency fund. now and if you get laid off you're going. to take out more get payday loans so. that's what's going to happen listen you. didn't do it then I'm not going to punch. you for what you didn't do but you're. didn't you're not doing it now now how'd. you not learn you had to take out a. 2795 I make more money now so I don't. have to worry about that doesn't make. sense if the money gets taken away by.

getting laid off what the you think that. pay continues how do you think pay works. you think they just pay because you. existed this was a government job so I. mean I this is a for real job did you. file for unemployment no why you were. paying taxes into it because I quit my. job you said you lost your job I yeah I. lost it by quitting no that's such a. word play dude that's trying to gain. some kind of sympathy that's no you. left out of a choice when this was. before my last job so I want to say like.

two years why you stay at jobs I uh in. my lifetime I've had a lot a lot a lot. was not the answer okay oh well no this. is that was the first longest job that. I've ever stayed at but then I W was not. happy there I was okay I was working for. if you're afraid to not be able to pay. rent you go and apply to every job in. the world and you only leave your job. once you get accepted one or you have. enough savings to last you for a second. yeah I was kind of you can't leave. without having money that's I was a d it.

creates a 279 well that's seems to be. everything so far I at least in your. numbers I was out on Ada and um so four. uh I have Lupus and so really I do like. the permanent one yes okay um so I have. like these times where I get a lupus. flare and I get migraines and I can't. get out of bed and all I want to do is. sleep so I was in the middle of getting. Ada approved and I had missed work for a.

week because I couldn't get out of my. bed you and then I never Evelyn why. possi you haven't made a single fing. payment thank you so much to the tens of. thousands of people who downloaded my. budgeting app simpler budget it means a. lot so much so that we wanted to extend. our offer there is now an extra week. left to get a 30-day trial to simpler. budget with a 30-day free trial to simp. budget premium and lifetime access to my.

new budget friendly cookbook on top of. that anyone who signs up for an annual. membership right now or before February. 14th which is my birthday and renews at. full price will be sent a free Founders. Edition notebook upon renewal all copies. will be decked with our Founders Edition. stamp and the simpler budget logo and. signed by me just make sure you provide. us your address and your proof of. purchase in the the email we send you. thanks again to everyone who's already.

downloaded simpler budget and you can. download it right now for free at. caleb.com slapp what the is wrong with. you what is possibly wrong with you so. I'll tell you what I did with that. nothing you've done nothing exactly so I. took out that loan and then I realized. that I couldn't pay it cuz I didn't have. a job and yeah no I changed bank. accounts stupid what do you mean this. was through your bank oh you. just what cuz it was going to autodraft. is that what you're saying yes and there. was not a way that you could it'll.

probably go to collections cuz it's not. a huge amount and that's tends to be. where payday loans go but technically. they could small claims you they could. go legally after you they could they. have that. right yeah I kind of gambled because. when I was younger in my early 20s I had. taken out a ton of loans and they never. came yeah it was P oh this is an ongoing. cycle in your life and they never came. after me and I had like $15,000 of you. listen you did that in your early 20s.

yes after collections long enough it'll. fall off but but again you you're not. able to get on a firm you probably. couldn't qualify for any kind of loan. you'd qualify for a car or whatever. would be predatory today uh you did that. back then why not learn from it I did so. many dumb things throughout my early 20s. and late teens but I learn from them and. do not do them now why are you. continuing to do the same dumb that's. this endless immaturity that is no signs. of growing up in life I'm impulsive you.

imp did you quit this job the day you. decided I don't want to work it no so. actually what happened with that is I. had been out for a week um because I was. really sick and I had a really bad flare. up and then after that weekend I felt. better I was like wow I reallying hate. my job I don't want to go back so I just. kept calling out until they were like. hey um where'd you go and then I got my. car rep.

what the is wrong with you yeah. meaning that death's probably in here. too still then po possibly it probably. this you said this was relatively recent. that doesn't fall off yet but I haven't. seen well actually technically yes it is. on my credit report I think but it. doesn't show as a. repo it doesn't so I no it'll likely. show as the remaining balance of what it. was after they sold your car I got lucky. because it it. sold for pretty pretty much as like what.

it was worth then why haven't you paid. off the rest why not benefit yourself. ,200 I there we go that's perfect that. means you can improve your credit score. like that I don't have is that a better. thing $200 you could you spent $800 on. door Dash in a single month what are you. talking. about you don't have it no cuz you blow. it all your rent is. nothing you're just being a. child you don't have it shut shut up you. don't have it you don't know what that. means now what's in your checking.

account right. now let's look it is um. $139 what's your next pay uh this coming. Friday uhhuh and then where's it going. actually nothing comes out of this one. so it's not going anywhere I'm not. saying pay that off let's go let's. figure out the death strategy at the end. but that is not true that you just don't. ever have that money you blow it okay so. but then I you fing blow it what are you. talking about and then an additional $58.

and just other miscellaneous. and then other large purchases 755 will. determine whether or not their. Necessities probably not necessary food. was barely pennies necessary necessary i. e. groceries because it shows it's afterpay. it's not going to show you what no we. still calculate theing. spending but on my dude theing payments. of these were $11 7 you could have paid.

$11.70 are you kidding me am I Advanced. Financial yes the payments were yes. the there is no way yes it's literally. on the on the account all you have to do. is just look look with youring. eyes I it was way more how would my. payments. beit. stupid no the whole thing was 1,000 you. think just because your credit card.

bills 164 on there you think that's what. you owe no it's a $20 minimal the. payment on your credit card this has a. minimum payment too and it's. $11.70 now of course you're pass due 863. cuz you're being a. dump you know total interest charge so. far. $926 how much did you even borrow do you. remember I don't actually 780 I think. and it's gone up double it's doubled. well done it's doubled congratulations. you're fantastic you're so good at.

this 2 79.5% interest. rate what was the interest rate. 279.50 I never looked at the interest. rates when I did it I you know you don't. look at anything you didn't know I had a. minimum payment so no so when that was. going on I just kind of you know what I. Googled I Googled um payday loans for. back credit and I just accepted whatever. which Every payday loan actually no a. lot of them I got for and then the. couple that I did get I was like cool I.

got money I'm not going to get. evicted I'm never going to get approved. approved for another apartment no I'm. probably there forever you've destroyed. your life yeah I'm a dumb bit yes but. fix it it's are you like you're like. proud of. that I'm not NE you're proud that you're. acting like trash why do you want to be. trash I'm not trying to be trash. you just said I'm a dumb B acknowledging.

it if you acknowledge it then change it. what's the isn't it even worse to be. able to acknowledge it but not change it. if you're ignorant you're ignorant you. don't know that is fine you can be. informed and then you change things but. if you're informed and you're choosing. not to that just means you're being. extra trash I feel like acknowledging it. and being aware of it is the lesser of. the two evils rather than being ignorant. no. it do you understand what ignorance. means it means you just don't know yeah. you just don't know but I can't fault.

you for not doing something you don't. know. about you do know it and you're choosing. not to you got you got do so you got to. do what you got to do you're doing. nothing you're trying to live a high. life what do you mean got to do what you. got to do you're not doing any got to do. when you when you quit your job and you. want you quit your job at like a dumb. you didn't have anything saved you. didn't try to take out a personal loan. or anything you went dumb I wouldn't get. approved for a person no so you extra. can't do it you didn't have anything.

saved and you didn't have a job lined up. you could have go worked at McDonald's. the next day wanted job within like 3. weeks of quitting that job yeah but you. had to take out a payday loan to pay. rent I did yeah so shut the up there's. nothing to be proud of there you didn't. accomplish anything you're not doing. what you got to do being stupid I'm. still in my apartment cuz you have no. other choice you wouldn't be approved. anywhere else and that rent is. incredible amazing. what just.

amazing you have pretty eyes oh okay. we're not doing I'm not sending you. money for tits dude it's not how this is. going to work that is not your way out. of I wouldn't send you mine I know so in. my life I'm not going to out them but. every time he sends schlong picks to. women yeah he takes them from Twitter. it's never his it's a business and I. don't do any cuz it'd be way too risky. for me so it's a BS also no one wants. long pcks no about like boobs boobs are. beautiful who wants to a thick no they.

look ugly they do they look like aliens. thank you for the compliment you're. welcome your eyes are far apart you know. what you know what's crazy is when I. worked at this other job one time I um. these Mean Girls I was working in the ER. they made a meme about me of Sid the. sloth and wait why they put eyeliner on. it because they said that my eyes were. so far apart that I look like s well I. shouldn't have said that then I was just. trying to joke thanks a lot four eyes. it's true dude I look cute in glasses.

also it covers up my eye bags cuz I got. on these things you don't oh these. things are like I'm like dying they look. like pillows that I could lay my head on. we are not going down this train dude we. are talking about debt I'm easily. distracted you got to stop what is this. for TAA retail credit oh um so about. that uh that is so have you ever heard. of of invisaline mhm um so this is.

actually kind of like the you don't look. like you've worn them I know I did but. then I stopped wearing them so this is. this is the cheaper version of invis. line it's called bite um I paid I think. it was like closer to $3,000 for it I. did go through I'm not opposed to that. it's a self-confidence thing very big in. America having the straight teeth very. important I'm not opposed to that but go. on uh I wore them for 4 months like I. was supposed to and then I stopped. wearing the retainer so my teeth went. straight back why I don't get it I don't. understand these people who don't wear.

their retainers why would I go through. it again why would I go through braces. in middle school again I don't get it. wear your retainer well because it's the. cheaper ass version of it you have to. wear theing retainer for 22 hours a day. and I got sick of that forever 22 hours. a day what if you just warm at night. though I could probably get away with. that but then I was afraid of not even. try I was afraid of swallowing it. swallowing it how is it what do you mean. irrational fears okay I thought it was. like pop out and like come into my mouth. that's what she said it's not Smo man.

you don't have to be afraid of that. dude this doesn't make sense this was. financed fake invisaline yes all right. let's be real for a second dealing with. car insurance is absolute death one. minute you think you're getting a decent. rate and the next you're hit with some. random $50 fee don't even get me started. on trying to compare different companies. it's like trying to find a needle in a. pile of to kidos you're probably getting. ripped off without even knowing it but.

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options and find a better deal to watch. the savings roll in so if you're tired. to throw in Dum Dum money at overpriced. insurance check out money.com at the. link in the description below and you. can start saving now stop paying more. than you need to your wallet will thank. you later this is a paid endorsement. sponsored by money.com which is. compensated by its marketing Partners. why is it past do. $315 why can't you just pay a damn bill. and especially since you're getting a. free what was it 4,000 or 2,000 from.

that dude yeah like why isn't that going. to anything productive at the very least. cuz I bought an iPad with that yeah that. fixes teeth why not pay your damn bills. I want to at least understand that why. not pay your bills because it was like. the idea of I got what I wanted when I. wanted it and. then yeah and then you you forget about. it but a minimum monthly payment you. could can just set up but then you lose. out on the money what was the minimum.

monthly payment on this I think it was. like you lose out on the money this is. why you cannot you canot you cannot. Finance groceries if that is your. mindset if that is youring mindset then. you cannot $ because I get like $200. worth of groceries no cuz you eat out. every day every second of your life. you're spending it counts insane towards. the end of this oh well I'm this is the. first time I've made this kind of money. so I can afford it no you you cannot you. are you actually stupid let me I I like. I have to ask that real quick before I. just explain this.

again are is there stupidity maybe some. of the tism little autism everyone has. that that's. okay you spent hundreds more than you. made in a month no you cannot afford it. because you make more money you spend. more money I need that to I need you to. be able to comprehend that I had it so I. spent it but you know what you spend. more it never went negative. no it's cuz Deb's going up you debt is.

going up the first credit card the debt. went. up I don't know how this is complicated. it's not. complicated your eyes look pretty stop. what the are you doing what are you. trying are you trying to be cutesy or. something no I'm just complimenting you. am stop you already said the ey thing. okay your hair looks nice stop what are. we doing am I not allowed to compliment. you no how about let's dude I am trying. to have theing Financial conversation.

what are you we're having it and I'm. just sprinkling in some nice things I'm. going to die you dude you kill me this. doesn't make sense you're being so. stupid you're being so stupid you're. trying to Cy your way through this. conversation instead of facing any. confrontation in your life for the first. time you're probably used to people just. beating around the bush not actually. telling you how it is. what was the minimum monthly payment. normally on this come I think it was.

like. $150 maybe so your pass due only a. couple months no I think that's in. collections 2 this is in collections 2 I. think. so why would I have the statement from. them if it's in collections cuz I got. that off the website yeah why would they. have a statement for you if they sold it. off to collections they probably. wouldn't have I don't know unless it. literally sure okay where are where are.

you in life right now literally do you. have goals are you ever I'm in school. right now you're in school I am in. school for what uh criminal justice that. has nothing to do okay nothing to do. with what wait wait what are you going. to do with criminal justice well it say. you're in vet tech so it's it's weird oh. no I want to get out of that I. hate my job you want to get out of every. job you've ever been in so I'm a little. that you're getting a career degree. because. I've always been what do you want to do. in criminal justice I want to work for.

the FBI doing what uh you know criminal. investigation what do you need for that. uh you need a bachelor's degree and then. you have to go to like a special kind of. train who's going to trust you with. anything I don't know that's why I'm. going to school for it if you ever they. may trust me because I family like your. family relying on you for anything if. you were ever if you ever got married if. you ever had kids if working for the FBI. I don't get it you're a little trying to. be cutesy around this not even caring.

about making a payment on anything how. are you going to be responsible enough. to deal with anything in your life I. couldn't trust you for anything I have a. house apartment I have I have an. apartment I have a car I'm not saying. you're homeless you have you have a. minimum monthly uh apartment payment or. anything you don't own a home and your. car has a loan on it so uh technically. my car does and doesn't have a loan on. it that's a that's a slippery slope okay. the 30% car loone would be absolutely.

insane for you can you just stop paying. it and your sister resumes the pickoff. drop off so he has a lean on it the my. name is on the title No but he has a. lean on it that was the wait what yes oh. so he could just have like extra control. yeah so the way that it worked so you. can't just get out of it like but they. lied to me and said that there was a. contract but there I don't remember. signing anything having to do the contct. is it on your credit no it's not he paid. title's under your name Yes Loans under.

his name no it's paid in full so he oh. it's a loan to him sort of So what had. happened was is my my uncle um works for. a car dealership and so we found a car. at the car dealership and so my practice. manager from them not the boss that. bought me the car but the practice. manager that works under him had gone. with me and she just wrote a check for. however much the car was in total and. then I put my name on the title but he. was a lean holder so the car is.

completely paid off there's no payments. but I owe him for however much he paid. so contractually yes but there is no. contract we never are you sure though. yes because I never signed anything then. how could he be a lean holder without a. contract I I I don't know can you talk. to your uncle have you talked to your. uncle I he'd have to pull up the P or. the the because they can pull up the. this is obviously important why would. you not have to pull up the paperwork I. think it's just a thing to where he can. be like hey I want that back but I.

didn't know yeah just I would just but. then but then I work an hour from where. I live so I can't just have but to get. you away from a freak an absolute piece. of sh I would in with the listen you. have more money on a monthly basis like. you have money cuz your living expenses. are relatively low you're fing up your. money but to get away from this. absolute horrible person I would i'. rather you pay for an Uber there and. back every day and I know that's crazy.

but for a temporary basis while we clean. this up yeah that's that's one of my. biggest borrow cars see you know. whatever we can do that's why I was. because I was thinking about having my. mom cosign for me no no no no no it's. the 30 no no no no no no but also I. don't like the cosign then as well cuz. you are not responsible with your credit. you are not so you've had a car repo. before like do not get your mom tied up. in this situ. I didn't make as much money as I do I. it's not a it's not a making money thing.

for you you it's not about how much. money you made back then again you quit. your job that's why the car got repoed. it wasn't because of how much you were. making at that last job the same thing. can happen now and you haven't. sacrificed anything to save up a single. scent for an emergency fund and you. already just confessed a few minutes ago. that you hate this current job I think I. have a sent in my that's not a good joke. I'm trying to get you away from this. creep there are actual real implications. here in life besides is just the money. part yeah I know I don't want anything.

to owe to him that's what I'm trying to. help but then the thing is too is like. my mom she has kind of talked down on. she's like no he he bought you a car. okay well does she know the whole story. yes well tell her to that I don't care. yeah she downplayed it but then my uncle. when he found out he was like when does. he work I want to know when he works. yeah yeah yeah yeah no your mom's being. a piece of I mean that that happens you. just you're just going to have to the. off yeah I I don't know I'm sorry that. sucks but you you can't convince someone.

like an 8-year-old man I just okay when. you see him does he try to make moves. and stuff he has actually get away from. this no I mean I don't see him anymore. because I don't work for that clinic. anymore that's exact okay so we're we're. safe in general in that situation yes. but it's just I don't want to owe him. any no and I don't want you to either. figure out this contract thing from. Uncle first so if he's not able to take. away the car then there you go just stop. paying and keep the car yeah because the. practice manager that's like his little. minion she won't leave you the alone.

dude why haven't you talked to your. uncle about just finding the paperwork. I've tried and he I don't know what's. going on with him he he's just acting. weird he's tried to because where he. works in a car dealership he's been. trying to put me in a car but then he. found like a car that was worth $15,000. oh he that was worth. $155,000 and they wanted me to put a. $5,000 payment down before they would. even allow me to finance it yeah. probably because you couldn't qualify. for the full financing that makes sense. nope. okay that's not okay I but then and then.

another big expense is my school I have. to pay out of pocket for it I don't get. Federal funding because how much is your. school right now um I took two classes. and I think I paid classes you're when. you're going to graduate 20150 I have to. get my GPA up before I can get Federal. Financing because I have gone financing. so you're just looking for loans. regardless what's wrong with cash. flowing in school there's nothing wrong. with cash flow in school your rent is. nothing the only reason that I'm not. qualified for that is because I've taken.

out school loans before that is I have. school loans but I had changed my major. and dropped out and it up GPA. dude you you you you're not able to. commit to anything in life I don't want. you to go to school I I really don't I. want everyone to go to school who wants. to go to school you can't commit to. anything in life this is what I really. want to do you not for right today no. I stop it stop it you've dropped out of. school you changed major you quit every. job in every few months listen you're. going to go into debt for this school. and then you're not even going to do. want to do the thing let me gift you a.

career certification let me do that. there's that criminal justice on there. but see if at least any of those take. the free class see if if you associate. with any of the programs there maybe I. don't I don't know I'm good with the. criminal justice thing you're just in. and out of things so quick because I. used to be crazy uh dude you come on I. know I'm I'm on anti-ra medications now. oh like different kind of crazy well I. don't like it's listen. um I have a note that says you just got. into an accident of this car I did what.

that was not my fault now I don't give a. tell me about the accident um and the. condition I was literally on my way to. work I was like I had left an hour early. and I was like super excited cuz I was. just feeling good that day and I was. like you know what I'm feeling good and. then I it's raining and we're having. construction on the road dude just tell. me about the ended like going 40 m an. hour I was at a complete stop and this. mother hit me going 40 m an hour. separated my exhaust. muffler and he didn't have insurance so.

just Muffler's gone no like my the tail. end is up he my alignment um the. muffler it my how she driving huh is she. d i sound like I have a rice. burner when I drive a lesbian car good. but is it is it good not really no okay. then so it's not safe not really no and. I'm driving it on the interstate for an. hour well you can afford to take it to. someone if you. want but is it really worth you report. yes but he doesn't have insurance so I'm. fighting with my insurance to try and.

figure out what's going on with them. absolutely and it's it's not because the. police officer that ran that report he. didn't even have his driver's license. with him and he didn't give a because it. was shift change so I have no. information on this guy so I'm having to. figure out who the this is oh okay how. much is still Ed on this car that's at. least document. it you said it's a $200 minimal payment. to the creep okay I think I have like. $10,000 left on it also wouldn't be the. worst thing in the world to just come up.

with $10,000 as quick as we can and pay. him off if you do owe him if you do owe. him I don't want it to go to him either. but if we're just literally thinking. about you moving on yeah you know get. away from him so you never even have to. think about him again it just makes me. feel sick to my stomach about giving him. $10,000 me too but like literally if. there's a legal thing like a legal loan. here yeah you know it's a little. different right. that a moral thing yeah it's like there.

might be legal things okay this is what. I was supposed to talk about next before. we talk about the car that's okay U what. is this what the is this what is this. what did you get oh it's at 159.5mm. this is huge for financial audit for a.

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link in the description below you will. not regret this op loan I'm being told. oh yeah um that was give. sorry NOP don't make payments for that. anymore why would no why do I have a. statement then because it I think it. just went into it but I do um oh I know. where some of my money go. 16681 a month okay and it's probably.

1,00 bucks owed but the interest is. going to crew like mad when did you take. this out and for what possibly why the I. think it was one of the the payday loans. that I need one of so in between the job. change you took a multiple yeah I think. it up to like 9,000 of them $9,000 in. Payday Loans that's insane you're you're. throwing away your life you were just. and then I did think of some of where. the money is going now I I finance a. couch and a.

laptop yeah it's funny it's so cute like. erand well you know what I needed a. couch and I needed a computer for you. didn't need a couch and the computer. probably I'm sure you could have got a. Chromebook and you would have been fine. what kind of computer did you get it's a. victus I actually don't know I mean I'm. a gaming person but wait wait wait no no. no I I have I have two different I have. a laptop and I have a. desktop so the desktop top I am not. selling my $6,000 desktop a $6,000.

desktop I did not I did finances I did. not pay $6,000 for it how much did you. pay 2,000 and it Ah that's where this. came from okay now now I now I remember. wait what okay wait what are youing. saying okay so my desktop this. conversation is never going to this this. is my PC what this is no no no no hold. on so this is my I have a PC I have a. gaming setup like a whole entire room. for it it's beautiful okay it's a PC.

that's worth like $6,000 cuz I wanted to. go into streaming whatever I had a. friend that how that go uhhuh go on I. had a friend that I used to work with in. the ER who had a or he had a console. then he went to PC he built a PC and he. had it for like a week and he was like. never mind I want to go back to console. but I do know that you wanted a PC do. you want to buy it for me for. 2000 and that's why I took that out no. you you that is such a good deal What.

GPU do you have uh let me show you the. specs on it you don't even know the. specs of something you're so happy about. you don't know it off the top of yes I'm. a huge game I've always huge gamer. doesn't know the specs of their computer. because I was never aing PC Gamer okay. you are you have now you're so obsessed. with this thing you built a room for it. and you don't know your damn specs. there's my specs. you you don't even have the same same. size monitors when you do a monitor yeah. cuz one's a 4K and one's not dude it's a.

2070 it's a 2070 who wait when was this. when did you get this three years ago. four years ago three years ago. i79700k okay it's only one tab. SSD um this is not a uh that's not a. $6,000 PC do you want to see what it the. gaming room looks like that's a $2,500. PC that is not a two thou no well did it. come with the monitors as well yes and. like keyboard and mouse yes let's call.

it. 3,500 I actually I changed everything on. it I don't use that keyboard and mouse. on it anymore it was you wait when did. you get this uh I got this like three. years ago oh three years ago yes uh 3. years ago I could see that probably. being close to about 4 to 5,000 exactly. so I suck you got it for two okay great. but that doesn't fing matter you took. out a literally 100 because I didn't. have it took out 15 59.5 s%. crazy payday loan interest rate for a.

used. PC yes you have theing teenager little. clouds I'm so proud of you good job. you're 14 yeah thanks well done I like. it great yeah you don't have any money I. don't give a if you like something I. like you being able to survive and. retire I said I like you being able to. survive and. retire your hair has nice curl okay stop. every every silence you just is this. what you do you just to get out of.

things you just like start saying things. can I not gen would like compliment you. just why no one just sits here and just. starts in the middle of going through a. hard conversation. like I'm an observer Welling observe in. silence you have to fill it somehow no. do you want me to sit here and awkwardly. stare at you yes okay so afterpay this. is all groceries no. what is this what did you purchase $.

46823 for it's actually worth what did. you purchase that four what what what. was the amount again what was the amount. purchases. 568 oh that's probably collectively what. they're all it's probably yes I'm asking. what you're buying oh some of it is. groceries some of it's American Eagle. some of it is American Eagle you really. are. 14 they have good quality jeans what's. the minimum monly payment on there um so. it's actually now it breaks down into.

four so I don't it's actually worse now. I've done more the balance is worse good. yeah so my balance. now let me look oh wait no I made. payments okay never mind um so I dud. we're an hour and seven minutes come on. talk I owe. $379.99 but I have $1,020. available to spend which I no you don't. no you don't cancel this what is your.

what's your what's your split in four. payment I have multiple ones um the. upcoming payments I have on December. 19th is. $396 okay stop stop stop I'm done with. that you don't want to know the other. one stop. no I don't know I'm just going to guess. it's like 1 bucks I am I even going to. write down your collections I think I. have four I only have four I have Pages. the you what are you talking about I. think those are don't know anything huh.

you don't know. anything about your finances you don't. know anything Tau was never taught none. of us ever are it's called growing the. up and trying to learn anything you're. taught almost none of life skills but. you figure out as you go along my mom. was like 12 years old literally okay. cool congratulations good for her again. we are not being taught these things. imagine if you could use that excuse for. everything in life saying oh I was just.

never taught never to murder someone. okay but didn't you say earlier that. it's good to have ignorance I didn't say. it's good to have ignorance I said it's. even worse that you know when you're. choosing to do nothing than if you. didn't know well I didn't say it's good. to being yes you were but you're not now. either. way is is not a valid excuse I'm not as. bad as I used to be when you're. approaching 30 it's not a a valid excuse. to say I just didn't know it's it's. getting. better when I was how literally you've.

made a payment on one of the 1 2 3 4. five six things we talked about what. theck are you talking about when I was. when I was like 23 I had um like. $30,000 in debt yeah and when I was 23 I. had like $50,000 in debt fell off uh-huh. mhm yeah and I actually paid mine like. aing adult well I cuz I wasn't taught. anything either financially in fact my. parents were horrible. and I learned because I decided hey. maybe I shouldn't live in poverty for.

the rest of my life you know maybe I'm. still living comfortably no you are not. actually I think I think I think there. is a little bit of ignorance actually. still left that we have left to just. could expose because the fact is the. fact is is you are not but because of. the spending limits that you have and. your cards and the fact that you haven't. been evicted or anything because of that. you feel like you're living comfortably. you're not. whatever we'll call this collections you. didn't pay $245 to City okay National.

Credit adjusters who knows this was how. much is it for I might know. 1,24 that is my repo car great. MH. $235 I don't know Wonderful okay that's. collections number three oh that just. went into collections well done. everything's going great uh other. collections. 1,140 I actually don't know what that. one is for this also this one also went.

into collections this year and you. somehow you don't know even though it's. just this year I'm going to die I think. that's it though and it's not it's not. $2,819 from two years ago oh I really. don't know what that. is you literally just told me read it. off and I might be able to tell you you. were able to tell me one out of five so. far what a. joke. $194 two years ago go wait is that still. in collections.

yes I think so I don't know I'm just. going to assume it is it's only been two. years dude did you pay it wait this is. the one oh okay so this is the 1,100 or. okay 285s collection number seven what. is that for from this. year yeah you don't pay a single thing. you're not even close to having a kid. yet or anything are you no but I want. one good that's great and I encourage. that at some point you are not even. close to responsible in life not even.

close Okay this one literally just no. last year it went into collections uh. you really thought you only had a few. 23377 that's my reput car but it's wait. you thought the 2000 was it's not um. it's not in my collections anymore it's. not it's right here oh it's not they so. is when they repo it and then they. auctioned it off what about. the what's that 0 extra so never mind.

yeah 0 nope they're being said it's on. your record until May 2029 yes you do ow. it so I'm putting it. back the they deep dived into your. finances dude why do you think you would. just fall. off in years because the repo they sold. that and then they paid it and then what. was left was you just sent. you still sent this sent. this okay okay actually I'm going to.

cross it off I I unless we know for sure. I'm going to cross it off okay well. here's one that is for. sure um current no this one's current. this one we already looked at what is. that for and this one's current as well. they're ones we've already been through. before this one's current as well those. are my student so you had seven things. in collections and and that's not. including the repo. car you literally thought you had three. and that one's current as well okay very. good wait is it student loans yeah I. have student loans what how much student.

loans do you have that's a student I was. this what we looked. over so you already went to college you. can I you cut me off saying that no you. did you did you did I remember I. remember I remember yeah I went a couple. of times and I realized I didn't want to. go for nursing I think I have maybe. $7,000 in student loans well you're in. school so you're not paying no they're. in four parents right now private or. federal they're Federal I used to work. for no that's my government job that I.

did have okay I know the difference I. it's okay just want know if they were. private or federal yes I do cuz I'm. trying to leave this conversation cuz. you're wild $93 in a checking account. okay well not anymore you have 100 so. okay 200 this was my paycheck savings. yeah you didn't take that lore better. than nothing you told me earlier 1 cent. yeah it is 1 cent so you took it down. from 200 yeah that was the deposit that. I had to put in.

there what a joke I'm I'm so done with. this and this spending is the most. insane thing I've ever seen in my life. afterpay door dashing Panda Express $35. out venmo Murphy when you went inside. and got some bullsh door dashed Prime. video door dashing China Prime video. again what are you renting movies every. second of your life and door dashing. right into your mouth Apple bill. subscription of some kind cash app. Starbucks Hulu Plus come on door Dash.

door Dash door Dash door Dash this is. disgusting after pay went inside got. some bullsh door Dash door Dash door. Dash afterpay afterpay Apple this is. this is seriously horrendous these. things listen there's a lot of bad. spending on the show but yours is door. Dash and afterpay door Das this is so. bad you love Subway you literally love. the worst sub sandwich you can get are. you kidding me Apple Bill door Dash door. Dash sezzle Inc.

sezzle Prime video huh that was another. pay in four oh my kill me now. there's more door Dash ah there's you. vapeing after pay door Dash afterpay. afterpay cash apping out1 1969 Apple. Bill door Dash afterpay door Dash door. Dash afterpay Microsoft Netflix cash app. out $46 Cash apping Out $9 Apple Bill 13. what is this you Apple painter you have.

a t of subscriptions I know you already. do cuz then there's Roku and HBO Max as. well cash app door Dash Panda afterpay. Amazon door Dash Panera qu crown and. wine door Dash and little something. afterpay Amazon Apple pill again I want. say is pull up your open your phone open. your damn phone just open it and give it. to. okay give me. this you're what black everything's.

black and white yeah you're aesthetic. yeah ugly that's not nice I've been. complimenting you all night no ugly. aesthetic of the black and white phone. you're not. ugly I'm not saying you are either I. said the black and white is are you. stupid you but you're not smart I'm. going to think about that for the rest. of the. day you've had every subscription on of. the Sun at least luckily most of them. inactive and the. face face tune for what I used to be 270.

lbs I had to make myself like skinny and. now I'm 170 stop door dashing I on o zic. okay I can eat whatever really you're. Zing yeah zic princess. yeah $51 a week. 55 Apple music that's your only active. one okay yeah I can't then all those are. just apple pays and B then so they. probably even more door Dash stuff yeah. imagine all that money just going into.

no I bet it also is is like if I go into. a store and I use Apple pay it'll show. up as. that. $800 could be investing in your Mumu. account The Brokerage I use you could. just it's The Brokerage I use you could. have it in there and have it just earn. 8% on your money if it was literally. just sitting there but no we got Das %. lot in terms of a turn you get. yes oh my gosh well you think 30% small.

so I guess 8% to use not a lot okay you. got some pet hair removal things some. cream and necklace and More Pet things. and some leggings I'm wearing this right. now behavioral therapy in seven weeks uh. you get three free therapy sessions for. being on the show by the way soundmind. yeah soundmind they're really good I. think um you guys get stuff as well in. the audience it's in our resources. section we put together a lot of. resources take advantage of that uh you. know it say lots of dog toys and lots of.

leggings why why are we need so many. leggings now all of a sudden lots of art. things you got 10 notebooks and a. million and sticky pads and colored. pencils in the cash app you're painting. it no no no no this m in money out so. this is what is this loan repayment. thing through cash. app that's another thing that you can. borrow money from cash app and pay it. back how much you ow. cash app. $75 pay it just pay it when you're in a.

bind you shouldn't be you don't need to. be 1,137 and 401K that's a joke for your. age joke no that's an actual joke this. isn't a comedic joke that is literally. you not ever being able to retire you've. given up the best decade of your life. for compound growth you've given up so. much time you have no idea CU so much. math you have just given up cuz I've. taken some of I could have had more but. I took some out of my I'm going to.

die how much did you take out. how much did youing possibly take out I. think it was upwards of a. thousand I I I'm sorry I haven't had to. say this in a second but I have zero. confidence in you turning this around. I'm really sorry I'm sorry on a personal. level I'm just I have zero confidence. you don't do anything you don't do one. thing correct there isn't one thing.

there is no slight indication of. behavior that I can pull from and try to. just expand that you do nothing correct. you take what is correct and you do the. opposite at all times financially and. borderline life like it's is you every. just do the job the careers theing. schooling everything how you pay your. debts how you got the car everything is. a so stupid it's just so bad and I have. no.

confidence I bet you if we create this. budget I'm I'm curious I want to see the. math I don't think you'll follow it for. a single second but I really want to see. the math cuz I bet you're going to have. a ton of money left over okay rent again. 570 yes utilities um I only pay I think. around like maybe 100 in electric. because my water is included internet um. 80 to 80 to 90 want to say 90 rent is. uh don't have any should I'm going to. put in. 15 okay no gas uh no so gas I do uh no I.

mean I do spend a lot on gas probably no. apartment utility gas oh no no have that. um my it's on my mom so I don't pay. it titled when you get yours do helium. for 15 bucks a month it's the same Tower. as T-Mobile's and I know they work in. Nashville gas how much V vom drive drive. um if I'm doing every two weeks it's. probably like $200 to $250 you said. that's a lot okay car insurance uh 8 $89.

that's incredible what the oh what a. joke what a. joke what aing joke minimum monthly debt. payments. 64851 necessary food. $300 TP fund anything else you need to. survive Nails makeup toilet paper cool. $100 always make sure you're wiping. Medical Healthcare uh the the zic how. much is that on a week so that's that's. a weird thing so it does buy tears um.

when you start out at give me a monthly. amount at most I would pay I think it's. like. 95 times 4 but I don't do it as what's a. normal monthly budget for that okay but. that's what I'm trying to tell you is it. changes because depending on what dosage. you're on right now I'm on $55 a you. wouldn't go up would you yes you have to. oh but just faced my so it's in between. 55 and. 95 yeah okay I'm going to put it at. let's call it 80 okay and then you just.

shift things around any other medical. ongoing things no I'll give you $20 for. subscriptions why not yeah I do I just. have a Netflix you have a pet yeah no. you have't yeah HBO you rent Xbox I have. two pet I have two pets what what do you. have I have a German shepherd and named. gar pet insurance no what's your other. pet uh I have a cat named Bruce get pet. insurance and putting in 60 bucks I work. in vetmat I get discounts still that. doesn't save you from a $220,000 surgery.

going to allow them to die I get that at. Cost yeah can you afford at. cost and also you hate this job you're. going to leave it any second that's what. you always do I'm putting in $70 for pet. insurance shut the up oh my gosh. you shut the how much for animal food on. a monthly basis I'd say $100 you're. cutesiness must get you through life. with other people it is not going to. help here and it's not going to help. your finances. it's it's not going to do. anything I don't think there's anything.

else that I yeah what a joke. $2,432 51 shut up shut up I'll take it. you think I'm funny I didn't say that. have I laughed no I laugh when I think. things are. funny you have $83 left over and 23 plus. child support when that comes in and. sugar daddy money if I ever get it again. yeah but that's been a half a year so I. wouldn't rely on it let's see if we're. not including the car no let's let's. include the car.

$200 the balance dude sake okay but. let's not include the. collections so. $1,448 divided by. 803 Dam. it you have nice strong hands sof ring. right now I'm not that bad rand's going. to freak out I'm not that bad wait you. have a girlfriend no but also what the.

are you doing stop it I'm trying to. finish this damn episode lady you're. insane $19 and 24 or 19 months I'm. making you mess up on your words you are. cuz you're being aing. annoyance like it's not funny a year. and a year and a half in your debt free. listen can do it or don't I can't for. some reason I have to record a post show. with here with her we have to do it for. members I don't want to sit across from. you anymore you just so make sure to.

join our membership and get over 1,000. hours and extra content I realized I was. corrected by producer earlier that I. said 10,000 I think in an episode. thousand over a thousand hours of extra. content super fun super good let's get. your Hammer Financial score you can join. that link in the description below out. of 10 shut the up sing a budget you over. spent 0 out of 10 debt you have. collections out of 10 emergency fund you. have a I'll give you a one out of 10. being generous retirement I'll give you. a one out of 10 being generous real. estate Zer out of 10 Hammer Financial. score rounded shut the up rounded up I.

hate you 0.5 out of 10 you're. just obnoxious guys you can get all of. our classes and everything 15% off. you're going to get them you won't be. able to comprehend going through them. good luck 15% off I'll see you guys in. the post show get rid of your debt then. I can shoot my shots are you actually. trying to shoot your shots maybe do you. actually have a crush right now yes. Evelyn has a very famous follower on. Instagram I do who I do why he tried to. one time and I told him no why he's just.

as fat I have found you attractive I. don't know if I could date this to watch. the financial audit post show click the. join button below.