Privileged Sugar-Baby Is A Vile Leech | Financial Audit

you don't even know you didn't even know how  much debt you have I know I have an eviction. on my is that not on there you are an adult with  a child you're saying he pays the entire rent yeah. it's like 1,100 bucks that's huge yeah but I don't  pay it exactly does he know your entire financial. situation not necessarily that's stupid you have a  child that is selfish that is disgusting Financial. audit live in Austin Texas on February 22nd go  to Caleb hammer.com or check out the link in the. description below hi I'm Amber I'm 25 I'm based  out of sfur Springs Texas and this is financial.

audit thanks for coming over to Austin happy to  have you here what do you do in s for Springs. Sounds like the most Pleasant place to live yeah  so super great um I'm a nail tech I've been doing. nails for about two and a half years oh they up up  into the camera they're not done okay interesting. a nail my nails yeah I don't do my nails because  I my son and um what I have my son so I don't want.

to like you know I think SC my mom has her nails  what do you mean you have your son what does that. mean he's a baby so I don't want to scratch him  changing diapers and changing clothes how old. is this little he just turned 6 months yesterday  whoa okay well that actually screams interesting. I had notes that I was scanning before this there  was this note here that she thinks her father's. child needs this show more than she does what  the does that even mean she thinks her father's.

child needs to show more than she does yeah so I  I'm confused what that means her father's child. as in my baby daddy whose father's child like  my baby dad My Baby Daddy needs this show more. than me okay well that read incorrect that your  child's father perhaps yeah my child's father. needs probably needs to show more than me about  him wait a minute is are you guys like together. yeah so we're engaged we've been engaged we've  been engaged for like maybe where he huh where is.

he he is on the road he is a he owns his own hot  shotting company I feel like this would have been. a pretty good conversation to have as it engage  couple yeah I definitely tried my hardest to do. that he was not having room room driving driving  everywhere yeah got to make that money cool so you. guys have a kid together engaged how long have  you guys been together uh we've been together a. total of like six almost six years now we've been  engaged for like good two years and a half okay.

so Nail Tech with a new kid pretty much I mean  6 months basically new fresh off the assembly. line what are you making um I I try to average um  at least like you try to average do you average. what do you actually average Sor for interrup  I actually average um probably like 800 a week. are you employed so no I'm like an independent  like party basically like I I rent a s out of.

a salon which is fine 800 a week are we saying  50 weeks a year 52 every week yeah every week. yeah you're we working the week of Christmas and  everything I take like Christmas Eve and Christmas. day off but other than that I'm this call 51  be conservative 800 a week you try to average. so $40,800 a year roughly okay uh about $3,400 a  month now of course that means we're setting about. 1,200 deide sorry 1,020 aside for taxes because  you're your own business right because you're.

not employed correct not correct no I do you're  employed I I'm employed by myself but like I mean. I I'm supposed to be putting taxes back but I do  not do that Financial AO Bingo here we go okay. so why the possible are you not setting money  aside for taxes I feel like I can just come up. with it later on whenever like I do my taxes and  like it needs to be done I'll just like grab it. a thin air and be like so taxes are going to  be due here soon you have enough saved up in.

savings no okay where's thin air I don't see that  air being very hoping and praying they'd like let. me do like a payment plan with it so I can oh  that's good okay what about last year's taxes. no how you looking my sister is why don't you have  pulled that out of thin a according to your logic. according to the logic of Amber thin air Amber so  my sister is a CPA um and so I had talked to her. about like how much roughly it would have been  for me to do my taxes and um I was I was told.

about 3500 would I like I'd have to pay in for  my like self-employment tax and all that kind. just self-employment tax or all taxes combined  um self-employment tax alone is what she told me. um she did not do like everything so I could see  exactly how much it would be but that alone like. that number alone for this year or last year for  last year okay so if you if it's been that much.

why haven't you done that we have to do that as  business owners fun fact little thing in this red. white and blue area but I was having a baby so  I was just like I'll deal with that as it comes. government's kind of soulless I don't think they  care that's also true but at the same time I was. like I don't have this I me you were pregnant at  the point you didn't have the baby so you were. like when taxes were owed last time baby's been  here for 6 months you could have been preparing. for it the entire way when you're unpregnant and  getting pregn toied but I was like I don't get. a paid maternity leave like I have to make my own  congratulations you're a business owner there are.

things that come with it you take the risk but you  get the reward as well if things go well so let's. not complain about that right not complain but  I mean at the time it just wasn't important to. worry about taxes whenever I have a baby coming  and I want my time off I'm a little confused why. that means we do not pay taxes I just felt like  it wasn't important at the yeah is it going to be. funny to lose your business what are you talking  about no it's not but I defin funny to get audited. going to be funny to pay a massive penalty like  a 10% extra thing in taxes I don't think that's.

something we can do if we're not able to pay this  year's taxes let alone last year I don't think we. can accept a penalty no we can't but it it's  kind of too far gone at this point like it's. too late I mean I'm going to get probably figure  out why you didn't do it though because and it. wasn't just because I had a kid because that was  six months ago you still had the entire time of. 2022 to prepare for the taxes or sorry the year  of 2023 to prepare for those taxes and you did it.

no I did not I um felt like I didn't have enough  money to put back to worry about those because I. was using major like the all the money that I was  making like but like not even thinking about taxes. I was using all of that money to either like pay  for things what's pay for things just like bills. like utilities things like that groceries like  I was coming out like almost negative at the. end of the week after all the things that I buy  like then your lifestyle was too high you had. a place you couldn't afford or your business  is a nonfunctioning business in the world of.

mathematics at least why is your business so nail  business I'm not like the most informed on it I. bite my nails I'm a naughty little guy okay so  what does a normal nails business bring in um I'm. actually the busiest most booked person in sulver  Springs okay well this makes no sense then cuz. that's not a lot of money for the most successful  business in the city in that category then so that. means that category is not a good category for  that area maybe there's not enough market demand.

maybe you're not charging the right prices maybe  fig time I was not charging the right prices come. we see the money that's coming in now at the  time is right now you're still not bringing in. enough for what's considered the most successful  business in your town of a certain category listen. if you're a mid-level lower level I would say okay  that makes sense but if we're talking the entire. city but also the most successful I cut back my  hours a ton after I had my son okay cool we're. talking now have you still cut back your hours a  ton yes so I was working I had him I was working.

like 6 days a week wonderful so you had enough  money to pay all your bills and be able to pay. the taxes then so that L starts to fall apart so  like whenever tax income tax time like came in. like this past February whenever like things had  to be paid off why didn't you even file though why. didn't you even file you file and say I cannot pay  this and file an extension you can file extensions. I kept on coming up with excuses to not do it  but that doesn't make any sense your extension. would have been due a month ago like you would  have had a long time to come up the money yeah.

I really didn't think about it or consider it  CPA relative right and she does get on my ass. about doing my taxes then why aren't you being  responsible you have a child you want to all this. up before they have a chance to start gaining  memories you want them to live in a world where. they have no sense of security that's not fair to  them then you have to pay taxes these are basic. minimum responsibilities as a business owner  fun fact and trust me it's not fun to cut that. check I cut that check it hurt it sucked it could  have gone gone to a lot of growth in the business.

I mean yeah but you do it cuz it is what it is  is what it is is what it is I mean it's going. to get done eventually last year's taxes haven't  been paid and this year are about to have to be. paid right I was hoping having a baby was that  going to help level out and balance like some. of that no on you know income taxes and people  get paid for it you're talking about our child. tax credits right yeah so I was hoping like that  was going to help a little for years but the full. well I don't know how much you're able to like I'm  sure you get supplies and some things and the rent.

you can start deducting some things um maybe some  stuff is also a rof who knows but either way even. with the income that is coming in that you're  spending on other things with the child tax. credit Tech situation might change next year  actually but we'll see that'll be curious to. see either way with you having to take care  of self-employment and income and you know. all just pretty much every tax that comes with  your situation versus just being a W2 employee.

would it have fully covered at your income scale  potentially we don't know yet but you also won't. know until you file and what do you mean I I'm a  little confused how having a kid this year would. have changed 2023 is taxes so what what does that  even entail so I think that I just didn't think. it was I don't want to say it's like I didn't  think it was that big of a deal but at the time. it wasn't though I'm sorry for interrupting I just  why do you have that thought like in where do you. think it's not a big deal what do you think is a  big deal then because this is a v very dangerous.

stock to have as a business owner like my first  year I didn't make a ton of money I want to say. like on paper I technically showed I made about  20,000 pause when was your first year um it was. 20 hold on we're in 24 so 2022 would have been  and I was like well I didn't make that much money. so like maybe I'll have time next time when like I  have to do it again for me to worry about that pay. 2022 taxes did I no s I did not oh for sake when  was the last time you paid taxes so the last time.

I had like a job which was um okay no I'm lying  I'm lying I'm lying so 2022 was the last year that. I like actually worked I did file income tax 2023  year for 2022 because I went to school and but. you had this job in 2022 as well so I was working  that part time like I was doing that part time but.

I was working like did you file did you claim that  income um I couldn't technically because I was not. licensed so I couldn't be like you so you were  illegal you were in illegal business so I was I. was Mor or is this out of your house no no no it's  at like this is at a shop like at a nail shop me. I mean it's at a hair how much is that that rent  so the rent there is $100 a week oh my we live in. different towns well yeah for sure if you heard  the rent on the place we're looking at moving. to you I mean I'm get like a I give like a small  room inside the shop how big um compared to this.

room probably I mean it's definitely like like a  fourth of this probably oh this is a closet it's. a literal closet I not necessarily but yes it's  definitely a smaller right it was like a typical. like a it was like a storage room at one point  they changed it into like mining room that's cheap. good cuz that's I I would have been very concerned  so you got about $400 a month in rent right. okay I would have been concerned if it was much  higher cuz really what we're dealing with here.

it's like you got everything to be pretty  locked down for any kind of margins right. so and I'm not I mean I think my biggest thing  is I just need to make more money but I also. need my kid to everyone says everyone thinks  they need to make more money you don't think. any has to do with behavior why is there a lot  of debt in front of me what's happening um I. did get into a lot of credit card debt over  the last like year I would say year okay um. um that's where majority of my debt is at and  what year why so like 2024 yeah but um because.

if I just didn't have like I was I got the credit  cards to build my credit because it was like in. the from why was it in the so I had an ex a few  years ago that a few years ago you've been with. this guy for six years we talking that before then  before 18 yeah so he helped me build my credit up. like he was working with me to build my credit up  we were looking at like potentially going to buy a.

home um get ve get a vehicle in my own name and he  is a felon so he actually had my social security. number that he took and took out loans in my name  to pay off parole funds oh for sake did you even. know I did not know until it hit my credit um  about a about about a year after cuz he paid. on it for a little bit and then he just stopped  paying on it Oh you mean when delinquents hit. your credit that's what you mean not the not the  credit actually being reported cuz like I didn't.

pay attention to my credit karma at the time cuz  I was like well I have I have a credit card I make. I make the payments on it like I'm never like over  the limit I'm never laid on my payments I was like. it's not that big of a deal until I get like a  notification so and so like it hit your credit. hold on your finances are F clear yeah a lot of it  just to build credit apparently even though now we. have cards that aren't you know you're not able  to pay off so we destroyed oursel there but one. of the opening things here in this conversation  was the person that needs it it's my fiance so.

are you with hold on are are you with someone with  worse finances than you not necessarily I mean he. doesn't have a lot of credit card debt he why was  the note that you specifically told our producers. is that he needs it more than you because I  feel like he doesn't um your credit score is. 564 I want to give you free money right now I've  partnered with different resources that will. literally give you hundreds of dollars the moment  you sign sign up for them check out my investing.

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investing profile looks like and what investing  strategies to use based on that all of this free. money is linked in the resources section of the  description below so don't pass up the free money. cuz I'll punch you oh my I feel like he doesn't  not necessarily budget the way he's supposed to. but he has like two vehicles I don't no I have  attempted to in the past and I just can't what. are you doing look how deflections that I mean I  think he just has more like overall did as far as. like Vehicles so do you even know do you know his  financial situation kind of yeah kind of what is.

kind of yeah so like I'm not like totally in on  everything like we don't share bank accounts like. I don't do you know his entire debt situation and  financial situation no it just you're engaged and. you don't know what he's bringing into this  does he know your entire financial situation. not necessar why why are we not talking about  this you want to get in a situation again with. Mr Fallon you want that on repeat I think a lot  of it is he's had past like relationships that.

they they just never they've just never done that  has he had past marriages yeah oh he is 33 and I. yeah so it's like a nine-year age gap between  us I don't care eight but or eight yeah well. I don't care about that but his past marriage  obviously didn't work no and they didn't share. finances I'm assuming no I mean he's and finances  are one of the leading causes for divorce in this. country so maybe that was a situation that  didn't work maybe he should try something. little different if there was a maror that failed  so maybe you guys should probably share finances.

I've definitely tried to be like I need to be on  the same page as you because like some what does. that look like I usually don't know information  as far as like um potentially like Bill situation. until it's like too late for me to try to like  rectify anything like if something is late like I. won't know about it until it's almost too far gone  from me to like try to potentially help on his end. because he feels like he he needs to take care of  everything and he doesn't need help is he not able.

to be a partner does he know what the word partner  means so I think that he he know a marriage is so. didn't have the best um situation growing up like  as far as like what marriage looks like um and I. think so he should probably try to do the opposite  that right um and I've tried to talk to him about. that and be like listen like I need to know like  what is going on and you're willing to go through. with this marriage because that's that's what  I'm trying to call out here is you're willing. to go through with this it's something that we've  we have been working on so more recently he has. been letting know a little bit more about this  financial situation I would say within the last.

like maybe like month when's the marriage we have  nothing said how long have you been engaged again. two and a half years oh wow that's a long time  to work on so I mean I jumped the gun on the kid. without knowing compl what your entire situation  is like complete accident yeah rubber yes should. have yeah well self assessed where do you think  your finances are one zero being the absolute. worst 10 being the absolute the best where do  you think your finances are I would say probably.

three it's definitely I mean I know I'm not lik  in a like a crazy amount of debt as far as like. $1,819 of debt for your income is pretty horrible  I don't know what you're talking you don't even. know you didn't even know how much debt you  have I know I have an eviction on my that was. a lot of Mone is that not on there I know there's  a variety of collections I didn't that one of the. collections seem to know that yeah one sake okay  so you didn't even know how much that you have. so you just trying to say that your debt not that  bad and you didn't even know what your debt number.

was so I knew like credit card debt wise and like  like a loan for some gel polishes I took out was. like roughly like 6 to 8,000 what the f yeah swear  did not know if you want your Hammer Financial. score it's free see where you are in the financial  scale go to that link in the description below and. also come be on the show come to Austin I'll give  you a nice little verb slap it'll be fun we'll. have a good time and you can keep anything private  that you want to be kept private trust me she cut.

something very fun from this conversation so sorry  but you're allowed to do that go to kale pam.com. apply okay so you we know what kind of came in we  had uh Gass genius also known as payroll $1,000. thenen MN you clarified this is payroll I hear a  noise of an infant oh gosh I am so sorry he does. like he's like sounds like a dog toy sometimes he  just like squeaks and screeches yeah it sounded.

like something dying okay so venmo in was 731  zelan in was 678 now I had loan deposit gloss. Genius of 2000 what does that mean so with my um  the app the gloss Genius app like that's what I. use for like booking appointments processing  payments um things like that they do offer. like small business loans well what do you what  huh what do you mean by that hold on what does. that what do youan so like well first of all your  income is not lining up with what you said comes.

in first of all cuz it's like a, 2,000 so far but  what's this loan that so so the loan like they. allow you to take out a small business loan you  saying that but through them like so gloss genius. but for what again it's more than your income so  far so it was for a gel polish collection but it. was more than your income yeah but I felt like if  I had that I could make more income because now. I have more colors of Jael polish than like  literally anybody in my town you're already.

winning the town and you don't make enough to  survive yeah but I felt like that would be like a. selling point to raise my prices to like what are  your prices what are your prices so like I know. it's nothing compared to like this area's prices I  couldn't tell you right so um like a a solid color. short set like barely off the tip is like 60 bucks  and then like goes up from there so how long does.

that take you about two hours oh okay so 30 bucks  an hour which that inherently is not the bad thing. but I know we're including rent we probably have  to include utilities no just rent yeah we probably. have to include supplies like the gloss collection  yeah so what are you actually making more like 20. bucks an hour and then how many hours I honestly  don't know how to I I've never broken it down to. never you been doing this for 2 years and you  haven't tried to figure out cost of a time how.

how do you know you're even making money cuz again  reminder you literally borrowed from your payroll. thing more than you brought in and okay I guess a  little over 2,000 came in a little over 2,000 came. in right that doesn't include like cash either so  I don't deposit all my cash how do we keep track. of your cash where does your cash go so I can't  even track where your cash is going I hate to I. hate to say it girl math it's that's the money  I trying to play Bingo do you know that triggers.

everyone in this audience do you even know that  yeah then why you say that because it's true I. try to use up like I use my cash like how much  cash do you even know um like monthly I would. say probably like 700 that's substantial compared  to how much actually came in Via payroll in terms. of your self assessed payroll like total over the  a huge percentage of that and that just vanished. is so where tell me girl math where I really don't  know like I don't yeah I don't keep up with that.

then you can't do it then you're not responsible  enough to have cash that means you need to deposit. your you can track it on a spreadsheet I probably  should deposit it yeah okay and I just don't why. I just feel like I that's just what I use first  like I try to on what though but you don't know. on I don't really even know what cuz I'm like  I'm not a huge like eat out kind of person. I do use it a lot for groceries honestly the  cash for groceries sometimes yeah $700 a month in.

groceries uh about 200 bucks a week in groceries  I cook everything at home pretty close I usually. like I I I make breakfast no I don't Tech meal  prep like I'm a Crockpot girl got meal prep you. got a Crock-Pot meal prep I mean kind of I do like  so I do like one Crockpot meal we'll do like two. days like Feed Us for two days and I think we  could cut those conow especially since the kid. is the kid on or is the kid on power yeah he's on  yeah free fre 99 actually exactly yeah so I think.

you're and I think but like also I do and then the  the the dude man who's too afraid to be here he's. on the road so he's not eating your food right so  your food costs are high your at home food costs. are high but I also I mean I I take like a lunch  every day I make breakfast every day I eat dinner. like I try to do like everything like eat every  meal cuz with like with like obviously him being. on the like I I we would get you to eat every meal  I'm not saying skip a meal who would ever say skip.

a meal no one's going to put health over finances  fin sometimes yeah like I'll just I'll eat like. only dinner because I'm like I'm not telling  you to do that either way cost pushed heavily. if if your cash is going there plus the grocery  budget that we have on here then you're pushing. high hman is dude in in town um he's home for six  days out of the whole entire month so every we. have a relationship no no wonder why you're not  communicating on finances what do you guys what.

do you guys even do um kid sees your more  than him yeah that's also very very true not. my favorite thing but it is what it is oh gosh  you had that much push strin on you guys it's. hard it's definitely hard and like when we first  got together it was not like that he was at home. every day and then he decided he wanted to do his  own business and he's also entrepreneur right now.

yes what's his business I was about to move  onto the credit cards finally but okay what's. his business so him and his dad have um like a  hot shotting company it's a transport um so they. haul like everything like so he has a like a Ram  3500 but like a flat man he's a technically he. has to have it a hul he's a technically it's a  CDL how much driver bring um versus his expenses. you don't know his expens know that you don't  even know spending so I'm not 100% sure you know.

what comes in no I don't see that guess what guys  we're getting married to this person and we're two. and a half years engaged and we don't know what  he makes I don't but again are we surprised you. guys talk for a less than a fourth of the month  in person I mean we we try to talk on the phone. as much as possible but like with me being at work  all day and like having Tak many hours do you work. um my schedule I usually start at like 9:00 I work  from like 9 to 7 every day well not every day not.

every day I'm sorry I'm sorry I work 9 to 7 on  Wednesday Thursday Friday and then Saturdays I. work from like 9:00 to 3: so I'm off Sunday Monday  Tuesday so I like the days that I do work are the. days that I have help with my son that I don't  have to Shell out a ton of cash for like child. care my stomach is turning I think I have diarrhea  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.

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here there's a balance of $169 and 63 okay it's  not the most horrendously High credit card as. far as comes on the show but it is pretty much at  its Max on here we got little small things I mean. this isn't a this is a pretty thick stack you  know we're thick stacking over here I mean we. got purchases even though interest is acre is  it a ton of Interest no when you stack up all. these documents yes it becomes a large amount but  it is basically five bucks of Interest interest. you pay the minimum payment cuz that's all you  can afford to pay but it doesn't matter cuz you.

went and spent four times your minimum monthly  payment so why are we spending on credit card. that we cannot pay off it is my favorite question  oh come on you can't ask surprise how are people. surprised they're like I don't been on this card  that I went out and swiped multiple times I mean. it's probably like a Netflix it may be like my  you can't have Netflix if you can't afford to. pay the bills I mean I me and my clients have  to have something to watch like when I'm doing. nail are they going to watch a fight that last two  seconds and horrible screen okay I technically did.

not watch I only watched the main event of that  and I wasn't I wasn't at work I was at home um. okay so play them music talk to them have little  conversations hi how's your day I mean I do talk. to them but you know sometimes we like to watch  things oh your nails they're so good oh girl I. mean yeah it's fun and all but like sometimes I  have clients that come in that don't want to say. anything did you see Bethany down the street she's  such a you know what I'm talking about definitely.

I mean those conversations definitely happen for  sure but we don't need to be paying for Netflix. when we got fresh tea for free um okay brewed up  hot and fresh it's a small town I know there's te. teeny tiny yeah come on no you went to Chick-fil-A  shut up you went to Walmart shut up you paid for. an apple subscription shut up and then yes there  was a Netflix which is too expensive for you you. really can't afford it I mean you really can't  you can't I yeah probably I but I love Netflix.

I love Netflix really that's like there's nothing  on there compared to anything else I mean there's. a lot this is all trash it is yeah it is trash  but I mean I'm I need something to watch guess. what you're on a free platform right now highly  recommend it yeah but this platform has a ton of. ads you do pay for the ad free version it looks  like on there but the ad free version on here. is even cheaper is it I've never even looked at it  even still you just can't it's a math if you can't. afford I'm not saying don't have subscriptions  people you know get upset about my little Spotify.

you can listen ads all you're in De the thing is  it's not about that it's about that literally you. are not able to afford bills self confess in fact  we know how much money came in we know how much. borrowed about 3,000 came in again you borrowed  2,000 how much was spent how much was spent how. much was spent all of it how much was spent I  don't know how much was spent um let's I'll say. 35 okay that's interesting $4,900 so do we have  a subscription in that instance including Spotify. no cuz we can't afford to live living comes before  ads I don't know if we know this it's a fun little.

thing especially when we have a six-month year old  six-month year old no okay yes okay yeah maybe I. shouldn't watch adree Netflix maybe my clients  could watch an ad or two I guess maybe your. clients can just play get a little cheap little  Bluetooth speaker in the there just play like.

rainforest noises I don't know what do people like  to listen to when they have their nails done dude. you've had fees fees like crazy fees this year  meaning you've had late payments likely on this. oh you you didn't know you didn't even know you've  had late pay maybe like one or two yeah two on. here okay are we going to see that on more cards  no no you're confident I don't know the answer I'm. almost positive almost yeah I think the only times  that my payments were late was when I realized I. realize I didn't have the money in my account  and everything is on autopay like all my card.

payments are on autopay so I guess so you don't  have enough money in your checking account yeah at. the time at the time at the time that it drafted  you are a mother that is not an option cuz again. you're spending on here Chick-fil-A Netflix that  is a choice if it was 100% bills I get it you know. things get hard you're making sure they have food  and they have electricity and they have a roof. over their head and warm and water that comes  first it does but that wasn't for that that's.

not what drained your account and made your minim  monthly payment again you're building this balance. up you spent four times what your minimum Mony  payment is so that you can have chickfila but. it was real good oh shut the up little girl math  cheeky little you think you're funny or you think. it's a little silly thing shut up what so sorry no  you're not I mean no I mean that was like one time. at guess what one time you can't afford to Fay  your bills you can't pay okay come on you can't.

that's stupid you have a child that is selfish  that is disgusting one time one time trying to you. are it doesn't matter if you're trying to it you  are it is the action it's not a try what does this. not make sense no it makes sense no it doesn't  do you I try my best you're not okay trying your. best is not doing it you are an adult with a  child right you have a child it is different if. this was just you up your life that's a little  different I would get less mad about it and I.

know I get a little upset easy and I like to make  sure you know how bad your financial situation is. but guess what you have a kid that did not have a  choice to come to this world and you are choosing. to make your debt worse when you are their mother  that is going to have to take care of them and. they're going to have to live with you and have  to deal with your financial decisions for their. entire childhood it is not cute it is not funny  and even one time is J I don't think it's a joke.

I just didn't take lunch that day I'm assuming and  so I went and got chick-fil take lunch skip lunch. I don't care $32 of Interest come on it's not a  joke I'm happy to be all silly and fun but come. on you know problem you got a kid to take care of  okay I know that's right you're right I'm sorry. you're right this what it's like to do with you no  no Indigo again it's done a massive balance which. is even more upsetting that it actually exists  but $141 2016 okay what do we got oh good we got.

$3 of fees $357 of interest at least there's no  purchases congratulations on that $40 meny payment. these are going to stack up for you I already have  a feeling you're not a credit card person no I. shouldn't I know you want to build credit so use  like use the Fizz card it's one of our partners. that all of our guests and a lot of people in  the audience use use them debit card and you. can't spend more than what's in your account but  it builds credit like a credit card that's super. smart yes there you go use that don't you're not  a credit card person you cannot do this this card.

has a monthly fee why even have this card you're  not getting any benefit there's no way you are. getting more benefit I'm going to be completely  real about the credit card situation that I have. so um I think Credit Karma is a problem for me CU  like I get on there and I'm like oh outstanding. approval laws can build your credit yeah and  you're approval odds or to the [ __ ] on that. have monthly fees meaning whatever benefit I don't  really I don't you're okay I don't really read the.

whole can you read yeah I can but I don't read  like The yeah like the annual fee like I usually. like skip over that I'm wonderful have you ever  looked at a statement in your life after that. yeah I didn't in depth look at the statement  but I did this isn't in depth it is literally. there just it's like one of four sections that is  hardly in depth that's I see what the payment is. the minimum payment or the payment I like what's  the balance and then like the payment and then.

I'm like all right Co that's considered in depth  three I'm terrified for the finances around your. business yeah I usually have everything set up  on autopay so I don't even look at any of it. shut for a second we know that doesn't matter  for you though because you don't have enough. money in your checking account sometimes and you  can't pay it so it's not just about setting up. autopay I me come on close this card you're  not getting any benefit from this and it will. your credit a little but closes card you're  not paying you're not paying a fee to increase.

credit we're not doing that there are  some Services where it actually makes. sense a little but again with this you're  not getting any benefit it's not a credit. building service it's a credit card where  you just paying a bank plus a cent interest. [ __ ] mean if it's 12 12 months in a  year but no we're 11 months in the but. this isn't even the 11th month statement  10 months in a year it' be it' be $30. would be your annual fee your fees charged  on this card alone this year has been.

$232 more than the literal no that's basically  the credit limit on this card that is insane. there has to be mountains of late fees mountains  of late fees and you thought there were no other. late fees on any other cars you don't know what  you're talking about you don't know what your. finances like you don't know how to look at a  statement you don't know how to look in depth. at things as in a number so that I'm trying to  think of when that happened the moment you get.

home this is not even an option the moment  you get home Lindsay sending them to you. start going through the debt class start going  through the debt class thoroughly go through. the budget class after that thoroughly leave the  investing one for a second because I don't want to. over complicate things but start taking those  too much information at one time might be too. much take the quizzes the fact that you cannot  read a statement make sure on Time payments are. dealt with and learn how to build a budget and  understand what's happening go through all the.

education we have made cuz you get it for free  and guess what this is actually what pisses me. off cuz out there they can get it for 15% off  but the people who buy it over 10,000 people. have bought it they go through the stuff because  they buy it so because they put money towards it. they're investing in their future they actually  take it and then they we see results from them. but I have guests come on to the followup Channel  who get it for free and then they don't take it. because they get it for free take it change  your life okay sorry listen I'm I'm a little.

upset right now because you literally just told  me on this last card that that was the only you. were confident that that was the only card that  you have missed payments on that is objectively. not true KN I knew that the Indigo card I had one  at one point in time gotten behind on it to the. point that I couldn't I didn't know if it was this  year I didn't know if it was this year or not I. thought it was last year had this card this card's  horrible um I mean probably like a let's see I'm. trying TR to think I had that for like maybe 2  years how do we function as a society guys how.

how have we made it to 2024 2025 almost good for  us I'm we're surviving we're surviving making it. until I make it basically is what's happening  you're never going to make it with your fakeing. it that's not how this works you're you're you're  going to have to actually change take control and. then you have a chance of making it you're never  going to make F things I'm down to change things. I think I just let things get out of hand and  then I'm just why did you let things get out of. hand for so long um if she's not able to answer  this I am terrified for the rest of her life uh.

at one point in time like financially we got into  like kind of a hole who we him you and him you and. the guy where you know nothing about his finances  he knows nothing about yours great we kind of got. into a hole like in between like a job shift for  him and so I was stacking a lot of things on my. credit cards to try to like kind of make up for  things that we were lacking and then it got to.

the point that like so much money was going to  try to like pick up the pieces from a a hole. that I kind of let hole um so before you stuck  it in your hole yeah actually it was not too far. before okay so it was only like a year ago yeah  about a year and a half ago um he was those are. hard times I'm sorry and that's you know we get  we get deep we get rough we get Scrappy we figure.

it out and sometimes it puts us in a little hole  for a while but you've had a good amount of time. to dig out of there and now we got dual income  coming in so I wouldn't say okay so dual income. yes and no like I I don't benefit from his income  are you going to when married do you know how you. guys are going to do it again you guys haven't  it's not like a convers I mean it's always been. separate like his his stuff is his stuff and my  stuff is my stuff like some things like for the. hous like we share down the middle then so I pay  all the utilities and I buy all the groceries.

and he pays the rent which rent definitely more  expensive than utilities yeah so like that's why. be fine but again he's there for six days a month  so does that even matter you're just getting the. groceries for you yeah this a little weird but  even like but when you're saying he pays the. entire rent yeah we rent is like 1,100 bucks for  for a two-bedroom two bath for your income that's. huge yeah but I don't pay it exactly that's what  I'm saying yeah no one wants to think about debt.

but the cold hard truth is many of us will get  deeper in debt during the holidays last year half. of American consumers took on debt to pay for the  holidays and this year could be you could be me. it's never too early to start planning to get out  of it and my friends at PDS debt can help you with. a personalized solution just for you if you're  making payments every month on your debt and.

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whoopsie off a cliff hope he's got good insurance  but yeah are you on it no then yay I mean I got. hope like he's got like you know I'm saying if  he dies which I'm hoping not happens but life is. life is life and you're not prepared for it and  you are in a scary situation you can't afford to. live in your already taken care of correct yeah  so what I was trying to say is it's okay to get.

into a hole for a while life happens and we get  gritty and we get Scrappy but we learn things. out of there and then we do what's necessary to  pull ourselves out again nothing's happened down. here except for we have late payments this year  which is not when the whole happened multiple. late payments and we have a card that is going  up out of two that we've looked at so it can't. just be about the whole a year and a half ago your  actions today are horrendous this well I think so. the hole kind of put a lot of his finances like  why his finances matter right now because I was.

like trying to right now yeah I was it during the  time that that card was late he was still dealing. with he was still dealing with some of some like  behind payments on us a few things this just like. so you were behind because he was behind because  I was using my like I just didn't have the money. like all my money was going toward pay a $4  minim monthly payment yeah gosh you cannot. be in that kind of life with a kid you can't be  that's not a choice it is not a choice you have a.

responsibility now so like I felt like I was doing  something by at least getting the minimum payments. made like when I could but at the time no but  like as of now I was doing what I could to make. sure monthly payments were taken care of so it  didn't get any worse I'm going to set you up with. even a little extra thing just so you can run your  business a little better usually it's more meant. for careers but I'm gonna gift you a free course  career certification okay okay for accounting so.

you can accounting your business usually it's for  people like out there to go get an accounting job. it's great for resumes we love course careers  but you're going to do it so you can learn how. to do accounting for your own cuz you have no talk  about yeah you're boring basically everything you. make so yeah from small business loans right very  curious to look at those okay oh another Capital. One Platinum sorry what happened I mean that one  the other one the first one is secured so this is.

like the my step up from that the wonderful 34120  with the $25 minimum monly payment which again. these are not crazy compared to a lot of things on  this show but it doesn't matter because compared. to your situation it is crazy and guess what so  that you doubled your minimum monthly payment. yeah right I I was trying to do something can I  can studio can but then I should probably spent. on it wonderful wonderful wonderful then you  spent more than your payment so it doesn't even.

matter. yeah I usually like swipe a credit  card like whenever like I didn't have. money going into my account from like the day of. work and then I think well the minimum pay pay  advancing yourself on a credit card essentially. technically well kind of if it's like a Monday or  Tuesday that like obviously I'm not going to work.

and get paid that day no of course not I'll just  swap you can't work on Mondays and Tuesdays it's. just days I don't have help with my son because  why who who's helping you on the other days so my. mom and my sister will come and sit with him on  uh they cannot on Monday or Tuesday no what are. they doing on Monday or Tuesday that they're not  doing on all those other days so uh my sister's. a bartender so she is off like random days  throughout the week and also she's top serving. bartender and all of sulfur no she's she lives  in Prosper that sounds much better than sulfur.

she's off on Mondays but she is about to graduate  from college so she oh she goes to college on F. if they can't help they can't help it is what  it is and we know with how much money comes in. child care would likely be more expensive yeah  it would be like I would basically be working to. pay for the child can't take the little I child  I can take him but the amount of like time and. attention that he needs punch him I get it it's  it's two listen it's but the thing is okay no.

it's he does have a babysitter that he does go to  only on Thursdays she watches a couple of other. kids how much is that 40 bucks a day do it are you  kidding me mathematically you make more than $40. a day when you work no I know so on Thursday do  it on Monday and Tuesday I she cannot watch him. on Monday and Tuesday why is everyone all of  a sudden doing something different so on Mond. Tuesdays she watches um another child that has  an issue with like biting other kids and so she.

just wants train years to bite back he doesn't  even have any damn teeth yes perfect they won't. get hurt but they'll get deterred nine 39 in  interest okay okay Mini Mart went to little. miniart in Dollar General probably don't do  Dollar General by the way you're the cost per. like ounce is bad you get smaller portions  so it's cheaper but general what do you mean. that then when you went to Dollar General oh that  was medicine for my son when he had Co like from.

Dollar General so he can't have like he can't  have like prescription medication yet so like. you know that was the saying the pharmacist and  Dollar General okay the minart May $50 in fees. this year so far so you're laid on three cards in  a row you only said you would be on laid on one. are you kidding me oh I I guess I was thinking  I thought Capital when I thought Capital when I. thought Capital One I me like like all the capital  ones both Capital ones talking about that doesn't.

make any sense what kind of what okay and and  then of course over $100 in interest this year. so far on here MasterCard when when you thought  Capital One did you think MasterCard is well no. that's okay not One Main Financial Brightway This  Is 50 things Master Card one main Brightway we'll. call it one main oh please tell me it's small  yeah again it is small which is going to help for. cleaning these up this is ridiculous $384 and2 it  is the biggest so far with a minimum three payment.

of 25 bucks okay no new purchases good Interest  Bad and only minimum three payment made takes. two years to pay off oh the way you're doing you  didn't know that that it would take two years no. okay I just kept hoping and praying minimum pay  sake fees up the this year $90 fees multi the. annual fee huh that's the annual fee they have an  $89 annual fee yeah I don't you're 100% certain it.

is $89 yeah do you know I can't trust you you're  not a reliable narrator for your money you don't. know your numbers because I I did look at that  one when I applied that is an 89 annual fee on. that cuz that as it was too in depth for you no  I did make it through that one oh this isn't a. 36% interest rate is that the highest I've ever  seen on a credit card in might be that's insane. I didn't even know that was thing cuz they can't  compete in the marketplace but player apparently.

they can because anyone will just open them and  then they charge the annual fees yeah I don't I. don't think I've ever so I've never looked at  interest rates when applying for credit cards. ever but what about the annual fees though cuz  that's still baked in regardless if you're holding. interest or not yeah you're still paying for you  a lot yeah I don't know I don't really know what. my thought process is okay Merck Bank what do  we have here that one's pretty high I think oh.

good that like such a happier conversation at the  beginning didn't it I was happier I was having a. good time oh no you're not above your credit Li oh  you're close okay no no no none of them are above. my credit limit I do very well and not according  to you there's only one that you had late fees on. so far it's been every card so that's well okay  okay maybe not the last one I still can't trust. you but $418 2 $6 in fees annual monthly fee no I  like the shirt sake goly what have I done I poked.

myself maybe you stopped going so crazy with a  pen that might not happen that's what I do $41. in minim monthly payments no new purchases good H  your payment was only 35 though and then interest. of $13.21 I guess you just maybe got pushed to  that new level yeah enough fees this year to. make sense for those those monthly fees so that  actually makes sense it doesn't look like there's.

extra on here nope and then $125 in interest we  have to be close to $600 in interest this year so. far cross these cards just about it might help if  I would look at how much these interest rates are. before I just start applying applying applying  to these random cards it's probably the best is. that what you think come to that conclusion  that's your takeaway obviously don't have as. many cards as I do but if I'm going to app that's  your takeaway no no as if I'm going don't have as. many don't have as many and don't charge to them  the way I do you can't have credit cards so you.

can't no more credit cards you can't have credit  cards you need to close your accounts you can't. be trusted with them you don't know how to manage  them you're not responsible enough for them and. that's okay who cares I don't care if you're  good with credit cards but don't give yourself. that reason to up like the leeway the ability not  even the leeway the ability take away the ability. if all you've taken away with this so far  no I mean cuz I need to stop applying for.

new cards oh if going to have a card I should  you're not okay I'm not going to have a card no. more cards no more credit cards okay yeah $216  on the BMI card okay actually a large balance. finally unpaid deferred sales tax of $813  what the even what wait what is then $1 of an. let be this statement this statement oh my  goodness look guys oh oh what is I am proud of you.

for making 25 I am proud that that child has lived  until now oh that's my car that's my car what you. wait what that's my car alone I do believe you  said you were better off than most people because. you don't have a car loan so it's not in my name  it doesn't it doesn't affect my care is what I. meant like that isn't stacked onto my credit what  are you what even is your existence what are youit.

like that wasn't tag like added on to my dad who's  this even in this is my stepdads in my mom's name. your stepdads oh and Mom okay yeah what the why  cuz I didn't have enough credit to get a car. like my credit you keeping up your life and your  credit is still yeah it is definitely still what. even is this car it's a 2018 Ultima I've had  it for almost four years it's actually worth.

$7,000 yeah I mean it's not terrible you owe 2,000  on you have an equity position yeah yeah so it's. not the worst no I'm saying that as a good thing  no the loan's probably bad I've had it for like. four years so you're likely mostly done with the  interest part and like Tech I mean yes it shows. that my car payment but your late fees you're  late so my wait but wait they're late they're late. no no I my the money goes to them like I but  they're supposed to pay for it and it's late this.

is their credit yeah it's their it's yeah why are  they late are you late to them to them to be late. to that so whenever whenever my stepdad got the  loan in his name he was getting paid on Mondays. so the payment was due on a Monday versus it being  on a Friday when I could pay it wait this the term. says 219 that would be 18 years that doesn't make  sense huh 219 what oh payments oh weekly payments. sorry that's it's set up weekly they set it up as  like a weekly payment okay so it's a four years.

four more years no no no no I four years total  but you've been doing it for four years if it's. weekly it comes out to four years you should I  PID $25 a week I pay $500 a month towards the. car and all that's what was the how much time is  left just whenever I get done paying off that no. no wait what's the minimum of the payment I pay I  pay $500 a month the minimum monthly payments on. the whole loan I have no idea what is happening  so I I pay so the minimum payment it looks like.

it's 122 I pay 125 toward towards it every week  but the monthly minimum is 125 no the monthly. minimum is 122 Time 4 I pay they have always it's  always been set up weekly payments so I don't know. like I pay weekly on it like it's not like a every  month type of deal there's only $2,000 left this. means you're done in like a few months but are  you yeah you sure yeah you're really doing some.

damage so the only reason why it shows what  was this balance when I first started I'm not. 100% sure how do you not know anything because my  parents got the car it was a s surprise because I. could not afford to surprise here's a $500 minimum  payment oh my gosh our society our society we do. I just told her to go a I said I need a car and  me and my fiance before he was my fiance at the.

time tried to get one in both of our names and it  just wasn't working you had a fiance this fiance. oh you said at the time okay we weren't not we  were not we were not engaged at the time no so. he wasn't a fiance at the time okay yeah before he  was my fiance we went and tried to go get a car in. both of our names but it just wasn't working so  my parents were like I'll put two people who are. engaged for 2 and a half years and know nothing  about their own finances and up when together. before they even knew less about each other were  unable to do it what yeah it's so crazy right so.

um my parents were like I'll help you obviously  we'll put it in our name but it's you're going to. be your who's paying the late fees them or you  me I pay for everything so you were late they. have nothing so you were late yes technically  do you even know did you even know no I was so. the payments are due on Mondays versus my money  being but this is not credit they allow that yeah.

how old's your mom 51 your 51 year old's credit  wonderful yeah I don't didn't mean to what do you. mean it didn't mean to you were laid on everything  except for two cards so far two out of the One 2. three four five six stats we had that's all the  cards though right we're done with cards I don't. know Oh I thought we were okay you're successful  a third of the time on making ontime payments on.

accounts a third of the time I didn't mean to what  is gloss genius oh is that that that's what I've. paid towards so with that small business loan that  you I don't even understand what that is yet I. have to take a look I didn't even know it existed  what do you mean so it's like is this the thing. is this is this is the this is the payroll that's  the 2000 that's the 2000 it's not technically a.

payroll loan oh no it's not this is pay advancing  these are micel little payday loans small business. loan you don't know what you're saying oh yeah it  oh great you're getting them every second of your. damn life so that's how me are you doing it every  single month so this is how are you doing it every. single month every single are you doing a single  month huh your little payday loans no I'm not. this is the first time I've ever done this no  no it is good make it cuz I've never done out.

before one second good because you are going to  get stuck in an unending spiral cuz when people. do these little Pay Advance things they have to  put their next pay to the Pay Advance that they. already took out now they don't have any money  so they have to take out a Pay Advance and it's. an endless cycle if you want to earn a $3,000  bonus you need to keep listening Silo is running. an exclusive launch promotion just for you guys  silos like Robin Hood but for bonds and they're. doing the best sign of bonus I've ever heard of  if you deposit right now using my link they'll. boost your deposit by 3% up to a $3,000 bonus and  US government bonds are already bringing in 4 to.

4.5% bonds are especially interesting right now  because the FED has been cutting rates left and. right with more Cuts expected all throughout 2025  potentially even dropping all the way back down to. zero even I got a notice from my bank about Cuts  so if you see your savings rate already shrinking. it's time to take action with bonds you can  lock in in today's rate of 4 to 4.5% with the US. government for 1 two or even 10 years and the best  part once you buy your rate is locked in Even If.

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don't wait take advantage of this opportunity to  lock in over 7% rates only with Silo at the link. in the description below now let's jump back into  the episode you can't go down this path once this. is gone this is gone turn this off from your brain  it doesn't exist okay it was just a crazy I had to. have this Gel Polish Collection let me see what  I can do and that got it like I don't know what's. going on in culture right now what do you mean  it was like 288 gel polish colors special special.

like shrex anus color or something like what what  did you mean that didn't exist because I didn't. already own those colors I started off with like  I started off with like 40 no I'm lying maybe like. 30 different colors that I've had for like the  entirety of my nail tech Journey why can't you. cash flow your business though I don't know I feel  like I'm just not bringing at the time I was not. bringing in enough money to keep everything going  and I had a problem you're still not and if that.

is the case but if I could work the same amount  of hours that I was before I had my son are you. not you already said you're not but you told me  how many hours you're working I was working six. days a week 12 hours sh I was working 12 hours a  day every day except for Sunday I was only off on. Sunday you might have to bring the kid dude you  had the kid you have the kid you guys on the road. all the time you're changing careers but having a  2hour I'm sorry paying bills comes first you got.

to figure this out no I know I have to figure it  out but yeah but like you have to bring the kid or. you need to find another $40 Child Care sitter  that's incredible by the way that right so you. need to find another one maybe some Grandma around  town that's doing nothing and is falling down and. dying get one of them to look over the kid just  make sure it doesn't fall down with them that's. the problem I my postpartum anxiety is through  the roof my postpartum anxiety is like through. the roof like when it comes to other people  watching him or him like not what anxiet more the.

postpartum anxiety or the I'm not going to be able  to pay bills and we're going to get evicted it's. child is not going to have to live on top of each  other okay then maybe uh vet the person have them. come hang out with you for a day pay them a daily  fee to come hang out with you vet them see if see. if they smell good if they're stinky huh I can't  afford to pay them the daily feed a $40 thing if. we can get another $40 person which is incredible  this just must be a small town thing over there in. uh Danville or whatever what's it called sulfur  Danville yeah I don't know how much is OD left.

on this GL genius so I just got that paid out  last month so I've paid um 270 just since I got. it so from October till now what the interest  so it's a fixed fee what's the fee 3.98 389 389. what $33 no$ 389 is the fixed fee they give you  they of the of the 2000 is that included in the. 2000 that's included in the so it's 2 20 389 what  what was it again say the fee 389 it's like a 19%.

interest rate yeah basically 20% that is I didn't  know that interest rate interest right fixed fee. dude why would you pay the Advan at a 20 if you're  taking out a small business loan you don't go 20%. you go like 8 to 10 and even that I don't necessar  kind of stuff I'm just I don't know that kind of. Google I mean yes this was presented to you in  an app and you're like well yeah kind of I was.

like I need you got to stop looking at things  in apps every time you see something in an app. you have to borrow it you're obsessed with it and  Credit Karma and in this gloss genius it's a gloss. genius inway it's literally a booking app but they  send me stupid notifications it's like we can help. you in your small business and guess what you're  stupid for accepting them yeah yeah I thought at. the time at you know midnight I was making a great  decision by buying this gel polish and it's I mean.

it's wonderful it's beautiful on my wall oh god  oh on the wall instead of on people's Nails that's. fantastic so good I'm so glad it has to be stored  somewhere it's stored on the wall yeah but you. realize what you just had come on that was like  in your brain it's beautiful in the back of your. brain you know it it's great on people's Nails  it's that's just all my so every time I good so. we ow 2,000 essentially 2,100 and what's your like  minimum monthly do you even know um so I have to. pay at least 266 every 60 days so this is so this  is how that loan specifically works is that 133 a.

month okay so um every time I charge like a credit  card or a debit card like through the app like if. somebody pays with a card they take out a like 30%  of that charge so I'm never like outright paying. for the loan like as like a monthly payment that's  insane dude so it takes out that's insane that's.

so much less control of your money this is a bad  product yeah I'm coming to realize that as I have. noticed my you know income decreasing whoa whoa  whoa who who repayment rate is 30% per transaction. yeah so every every transaction every transaction  get to it 60-day minimum 266 okay I'm Mar sh is. 133 a month but so I technically pay more than  that towards it that that's just like if I don't. hit that then they just pull it directly from my  bank account I Indigo another Indigo Indigo 2 the.

sequel we're back with more monthly fees that was  a different one monthly fees that I haven't even. put anything on that card doesn't matter if you  have the go oh yeah it has the monthly fee like. $9 yeah close this card you have nothing on it  and it's pay you're have you're being you're. being charged $10 doesn't have this card close it  it's stupid why give yourself another subscription. this is a third of your Netflix bill almost but  you have two of them so it's almost almost your. entire Netflix bill just to be lucky enough to  have those cards what I just opened another card.

to like right now that I don't have no no no no  that one is the card that I opened to show that. I to give myself more like credit limit that I  haven't spent your credit limit that's not how. you operate you always get to your credit limit  that will be in the coming months unless you. change that that's how you operate in life how  have you not realized that this is a behavior. thing yeah I guess this is all you not being able  to manage your money not being able to build a.

budget not being able to control what comes in  and where it goes set aside money for taxes be. able to pay bills on time and not make late fees  and have enough money to check it account to pay. the bills yeah so I've been like thinking that the  more I take out well well I was trying to be more. cautious with that card I actually don't carry  that card with me so I don't spend on it you know. you're going to get it you know you are a walk-in  example of exactly what's going to happen in your.

own life okay either way what is the point of  having a 36% interest card that cost $10 a month. to even have that's stupid that's bad money that  was one of those up this is bad money regardless. even if it g does give you that buffer it's bad  money regard oh Credit One if we have Credit One. we're on the worst of the worst of the worst  of the worst of the worst of the worst when it. comes to credit okay that endig go is honestly  kind of pretty damn close to it at this point. okay Credit One we're here baby let's go mom had  a Credit One card what is he going to think you.

know I never knew how bad those were until  I was like really paying attention to this. show I'm glad you're here well actually well I'm  glad you're here for you but I am thankful thank. you for coming on for being brave enough cuz  these people are learning things from you and. I am glad that you're at least willing to take  the step even if it's hard and it's weird being. on camera and I know it's like personalities it  gets interesting but I appreciate you being here. and I appre appreciate what you are doing for the  channel and for the community do what I can well.

hopefully you'll do a little for your kid as well  by making your life better that's definitely $678. owed on this guess what $10 of fees woohoo and  $418 of Interest let's go $30 minim Mony payments. wonderful wonderful wonderful no transactions $59  of fees this year so far $47 of Interest wonderful. wonderful yay everyone loves Credit One I think  that's like from my credit oh hold the okay. this is your credit what is this what is n okay  what what did you owe a th000 to in collections.

1,86 that that just not this is the first  out of like a million of these don't be. no I know but I'm trying to figure out is  that the that just recently hit my credit. I don't know um Let Me Find Out original  creditor Finance limited partnership NPC. NCP it was open 5 years ago five years ago for  fake dude you don't know anything it might be ver.

it might be Verizon collections number one can  I look that on my6 we can look in a second I'm. going to keep going though cuz there's a lot to  get through let me tell you and we have sat here. for a long time AT&T collections 452 why do you  order AT&T and Verizon so the AT&T um is from the. xit also had parole finds he put um some Wi-Fi in  my name and then never paid it collection number. two so that's that oh my gosh okay this is a huge  collections okay 2044 let's see what oh no that.

is Verizon yeah oh good so we don't know what the  original one was wonderful now why H why so much. in Verizon that you did not pay um this is this is  a bad track record I'm a little nervous for your. future with this much collections it shows that  you fall off the board way too often so okay when. I that has actually been on there since I that  happened when I was 19 months that happened when. I was [Music] 19 if that's the case it'll fall  off in probably about a year but I'm not 100% sure.

yeah I had a phone me and a friend had a phone  on a phone plan and we ended up um she couldn't. pay her bill and I couldn't afford to pay this is  dangerous you cannot link things and see what's. already happening with you being linked to your  parents for your car payment you're late you're. them all these other people were late they're fing  you they went to collections this is stupid you. stop intermingled then I'm almost nervous for  you you guys aren't ready to get married you. guys aren't ready to get married You're simply  not before you even consider marriage I want.

you to sit down with the financial advisors  that I use at domain money sit down with them. we're going to give you a free session with them  okay okay do that everyone in the audience by the. way our entire Community gets free sessions Link  in the description below they're a great partner. they're my own personal financial advisers  you guys cannot get married until you guys. sit down with them and figure out your finances  I did learn a lesson from you know that little. resin situation did you because you're your  parents right now but if I I didn't have a. car then like I was scre your parents right now  with your actions right now you were going out.

the there was an insane amount with you were going  out and eat enough to make to not be late you you. could you do you you want you reely on energy we  chose not to pay our utility bills as well um X. had that in my name as well that recently I think  got put on there it would have still been on your. credit though so what happened was I moved out he  stayed in the same house um recently within the.

last like year he let somebody else take over the  the year now yeah this year I did not know it was. in my name this whole entire time oh my so he he  left the the property and let somebody else take. over the rent credit H lock your credit sorry okay  lock your credit you haven't locked your credit. yet cuz he obviously knows your credit information  to be able to things and I do not trust a criminal. yeah he has my social I'm assuming clearly lock  your credit lock credit lock credit so I guess.

that has been in my name for like eight years  that Reliant and then he oh this is open this. is derogatory right now because it's late no  it's in Corrections now yeah so that was okay. I don't know Happ sure deposit Texas sounds like  some Bank we owed 1,553 to them sure deposit no. that's the sure deposit for the apartment that  I got evicted from in did you get evicted um I.

was sharing an apartment with with said friend  from Verizon the responsible one okay yeah and. then it we got evicted because we um somebody we  weren't helping each other pay the rent very well. um so I was trying to make it either one of us was  short and the other one wasn't and so it just did. not a ranch on swon that's the eviction that's the  eviction so this is more cuz this one's 9,149 the. total I did offer hold on before you get to out of  hand um I did offer them out of I let's see back.

in 2021 I did not file taxes for a couple years CU  I missing a W2 from working a previous job I had. did pay I did pay a CPA to do my income tax I got  five grand back from cuz I didn't get like the the. STM right two years of taxes I forgot okay yep go  ahead so I got my stemies all at one time plus all. my income tax so I did call that collector and I  said I can pay you five grand right now to settle.

it out they said that my portion of it cuz it is a  joint one my portion was 6,000 and they would not. let me do anything less uhhuh and so when was that  the only time you ever tried that's I offered to. do a payment plan okay the payment plan was $1,000  you didn't know this is what you do you do that. every two weeks you call them and say this is all  that I have my name if you want to close this out. I'll give you 5,000 now I did not know that you  do that every two weeks if they don't do it then.

them but you just work it out okay you just keep  saying it over and over again you work with them. eventually they they want their nut they usually  get commission the person that's working with you. I figured I mean I had worked in a debt collection  like medical collections before and so I did. not know that that was like something the way we  didn't it wasn't the same as that so I said how'd. you do it um like we just like it was like a call  Center basically it just like randomly called the. numbers as they came across the screen you didn't  get any commission if you closed it out we did get.

commission but I you couldn't accept anything  lower they wouldn't accept anything lower where. you worked it had to be like gone through like a  whole like situation there it is like EXA but yes. but I did offer you have any more debt not that I  know of I'm guessing it's about 4,000 for IRS for. last year plus penalties let's just say 4,000 for  now probably gonna owe like four or five this next. year okay wonderful okay they said you just spent  $250 on a card to beautify your studio what is.

this where's this I didn't see that what so I paid  down the credit card and then I bought a disc from. a credit card person you are not a credit card  person you do not know how to manage your finances. at all nope close all your credit cards it's so  stupid you have a kid you have a kid you have a. kid you have a kid yeah probably need to get  on that got to pay him off first but I will.

get them closed and your check account only  few hundred bucks Amazon selling out selling. out who on 100 1225 and then 100 car payment Apple  Bill why do you have so many subscriptions or an. app purchases or walking I honestly forget what  those are I know some of them like pull up your. subscriptions then right now currently Joe Bobs  miniart Dutch Bros mini March you're walking in. you're getting some it's not that expensive so  I know you're getting snacks or energy drinks. or something it's an energy drink yeah great  yeah buy a b go to Sam's Club no I don't know.

I did I do buy them in bul that's part of the  reason I mean Amazon Dutch broson Amazon $50. Apple bill yeah I'm not sure hold on Wendy's  I'm getting there Rico Taco zip Sheen great. Z money out 245 is that the car payment too  245 yeah that's so usually my car payment is. 125 but I pay insurance and my phone bill through  my mom as well so 245 a week is what my debit card.

1623 Chick-fil-A waterb do so much go to now  for someone who's lay on their carp are you. kidding me this is irresponsible to the extreme  Dutch Bros Brookshire McDonald's super handy. going and getting an energy drink zaling money  out 245 again this is money 245 a week is what. goes to my mom insane amount of money you do not  have that amount of money a third of your income. tax that's a bill though before taxes goes to your  mom a third for sake you went and got an energy.

drink cash app out $21 energy drink energy drink  apple Bill Z money out $100 super handy might have. to be doing those to bringing some more income  water that's not funny that we don't do that we. don't do that that's a joke wait what was it you  didn't hear that was a joke we don't actually do. those I just make little naughty little jokes cuz  I have a brain of a three-year-old when it comes. to inappropriate humor going inside and get an  energy drink apple Bill zip Sheen you zip Sheen. constantly a you're affirming airm are you firm  that is zip that's the I don't know I'm seeing.

SPF SPF sp sp FF oh it's 40 bucks essentially 31  sorry Prime video great we have very subscription. known to man yeah that's what all my so like have  you pulled up your subscriptions yet let me see. okay okay Apple music cancel you can't afford  it canva cancel it you can't afford it I use. for use the free version Disney plus cancel it  you can't afford it nebula cancel it you can't.

afford I did not mean to do that guess what  you have it peacock nothing on there anyway. cancel it you can't afford it Watermark photo  something cancel you can't afford it Yuka what. is that Yuka what's a Yuka yaka so that's  like a I think I did that last year it's. like a it was like a $7 one cancel it it it's  canceled whenever it comes back up for renewal. no well see what you get paper cut I scared  myself well oh you'll be all right wow no.

savings no retirement uh I had a retirement  at one point in time when I worked for Renta. Center I can't get into the account though I  got to call them and like reset all my but I. think it was like $1,500 in retirement that I was  paying towards it I did want to take that money. out and like put it into something else not like  a credit card but like put it into a different. retirement that I had access to roll over yeah  how much comes in on a monthly basis one more time. um 35 roughly with the child tax credit and  everything 15% aside for taxes a sad being a.

little aggressive there but okay so 2975 comes in  on a monthly basis set that money aside for taxes. not an option what's your utilities that you have  to pay towards um Deb minim monthy payments are. $784 what's your minim monthy debt payments let's  see I pay about 150 in uh electricity 60 in water. and 80 in Wi-Fi internet okay gas room drive  drive I would say maybe like 40 bucks a month I.

like live like seven miles from my job at 20 bucks  will last me about almost a week and a half I had. $141 what $141 you don't know your money what did  I do last month that I had to drive I'll put it as. I really don't use what did you say 40 I'm going  to put it as 50 okay and then how much do you give. to your parents for car insurance again 310 for  car insurance okay and uh phone bill um I think.

it's 150 for a phone bill do you you it's a round  it's a roundabout number yeah I own the phone okay. what you don't have to I mean no I don't but once  I get it paid off like there's whenever Apple's. like here's dude I had a phone for multiple years  and I was fine you know I also use like my phone. pH because like I take pictures at work to like  advertise my work I guarantee your phone's not. going to be bad a few years from now no it's I'm  yeah I'm fine I had that pay it off when you pay.

it off Swit switch to helium for 15 bucks a month  it's just like T-Mobile towers okay T-Mobile this. is insane 150 bucks a month is stupid well like  T be fun anything else to survive including for. the kid as well 100 bucks I think you can make  it work I'm going to do 150 necessary food it's. basically just you and then I'm going to throw  a little extra in for the husband we're going. to do 450 bucks a month follow the meal plan  yes kidding me he's not even there that thing.

eats boob and you just you just need a meal prep  a couple times a week it's super chill follow the. meal plan in the budgeting course okay follow it  to to your needs Medical Healthcare anything that. goes on on a monthly basis that you have to pay  for pay um 67 for insurance for me and him both. and he is on Medicaid so he's double insured 67  okay yeah that's for you're on your parents for. everything but not that okay uh yeah my stepdad  got a new job and so my mom was like you got to. figure it out um I don't care okay so how much  for the babysitting on a monthly basis uh 40 a.

week so oh just 40 a week yeah one day 160 a month  okay not bad anything else that has to be in the. budget that I am not taking account for no no  I don't think so this is a roundabout budget we. don't have the we you know we sit down hour and a  half whatever something like that you're going to. get more detail when you actually go through the  programs and learn how to actually go through your.

statements and make a concrete budget but this  is our rough idea of it it's close you made it. this is even with setting money side for taxes  2,434 to survive on a monthly basis and 84 cents. if your gas bill is that low you can cut back some  of these things but either way 2,975 car insurance. get some quotes and see what it would be like just  you getting it okay do you have like tickets and. stuff well can I do like a car insurance if the  car is not in my name the car insurance in my.

it's not in your name the car is not in my name  the car is almost in your name and then quote. out and then quote it out okay okay uh quote it  out uh I mean you can get car it's it might just. be easier if we just yeah wait did you figure  in my car payment on that budget that's a part. of the debts okay okay cool you can make room on  that you can make room in your phone bill you do. have extra money right now and and I think you can  come back in some areas and that car payment will. be ending here shortly but $540 is left right now  on a monthly basis with that you know what's kind.

of interesting with that let's just snowball this  guy first month I mean you take care of the two. smallest cards that's easy and then you mostly pay  you mostly pay off the Platinum then you second. month you pay off the plat rest of the platinum  in the one mail okay wonderful then the mer bank. is paid off in month number three and then by that  point the car payment's already done naturally and. now you have extra money you have an extra $500 a  month to start going towards that that doubles it. that means in month number four gross is halfway  paid off in month number five gross is fully paid.

off forgot about month uh Credit One but that's  included in there let's call that four and a. half months so you're in the fifth month let's  to say you're halfway through the fifth month. okay yeah you're debt free besides collections in  5 months boom easy that's if you actually manage. and act like an adult and be responsible I think  I can do pay off your phone switch to a cheaper. carrier boom that saves you even more money allows  you to start setting money aside for Investments. allows you to start being able to pay off last  year's taxes cuz you need you do need to claim.

that we can save that for another four months  so let's call this eight months need to get a. fully funded emergency fund after your debts are  paid off we're looking at about needed for you to. survive as long as the boyfriend uh fiance stays  there in every living way possible uh that rate we. are talking I'm going to say you need about yeah  I get about yeah 10,000 10,000 bucks saved up so. boom let's call it a year and a quarter a year  and a quarter okay you are completely debt free.

except for collections including paying off your  IRS debt of the past still have to ow on this past. year but you're can file for an extension right  and that'll start coming up at that time anyway. but either way year and a half your debt free  accept for collections you have a fully funded. emergency fund and at that point you can start  negotiating down some collections if you want. save up a couple thousand bucks start going down  the list and saying hey guess what I have a couple. thousand bucks I can pay this off I can pay off  your higher balance if you're not not can accept. it that's okay I have other collections cuz I my  life a lot and I'm going to call them next after. this phone call is done okay once this phone call  is done if you don't accept this money I'm giving.

it to the next collections person okay goodbye  okay two of my debts on my collections like this. than the last like year okay well we're going  to make a lot more progress than that I super. excited about that and I think you can do that  in about I'm guessing let's call it another six. months to be conservative so I say two years you  are completely debt free no collections no debt. whatsoever you own your car right out and it's  worth a little bit of money and fully F emergency.

fund then at that point make sure you're always  setting aside money for taxes for what comes in. after that you are then trying to put towards  living 50% invest investing minimum 20% okay. like in stocks or like what you know we'll talk at  that point there's no point to talk about that now. we'll talk about tax advantage retirement Accounts  at that point but again and you'll go through. you'll have the investing class as well but either  way perfect you know self-employment things we can.

look at setas we can look at whatever solo 401K  has a lot of different options either way at that. point 20% joers investing and then if you're  actually 50% on needs 20% to investing you'll. do 30% on fun if you need more to go towards needs  you take that from fund not from investing because. retirement matters and you do not want your kid  to have to take care of you when they are older. yeah know I'm cuz it is not their fault that you  up nope so that's where we're at you got this come. on the followup Channel come on the follow up  the our separate channel for follow-ups we do.

one a week come on there okay okay make sure yeah  I'm excited to see your progress throughout you're. going to make substantial progress what did I say  I said about four months and you'll pay off all. these so I want you to come back in four months  and I want to see every single one of those gone. and then that's when we start tackling the past  IRS of that point and we'll so four months you are. on the followup Channel okay with those debts  paid off deal sure spending a budget you over.

spent zero out of 10 debt you have collection 0  out of 10 emergency fund there's nothing 0 out of. 10 retirement there's a little bit sitting there  in another account one out of 10 real estate 0. out of 10 ammer Financial score rounded up0 five  out of 10 hey guys come to the post show we might. call the husband and confront him about how this  is all yeah you didn't even think about that did. you and yeah we're about to up your world or  happy hopefully make it better we confront a. lot of drama and everything in the post show so  make sure to join our YouTube membership it really. helps our Channel out through the ups and downs  of ad rates we have tens of thousands of hours of.

extra content and exclusive Financial audits on  there join Hammer Elite it's the best value for. your money Link in the description below we'll see  you guys in the post show there was something we. had to cut from the main audit yeah may have  gotten Us demonetized in the main show it may. have destroyed her life but because it's behind  the pay wall we're allowed to talk about this. insane relationship te with you and your future  husband this about to get crazy so we're going to. unleash it my fiance is to watch the financial  audit post show click the join button below.