Rejected Baby Mama Cant Survive Without A Man | Financial Audit

$10,000 in the last year on tattoos you. have a kid now they're a year old and. we're choosing tattoos over like our. literal future why they look cool the. reason that my fances are kind of like. where they're at right now he left me we. split everything we didn't have rant. before and then he dumped me he ran into. his high school Crush so you had to move. out of his place he moved out too it he. didn't dump rent on you you went and got. a. place I'm Rachel I'm 23 from Dallas. Texas and this is financial audit.

thanks for coming down so what do you do. for a living in Dallas um I work remote. I'm an operations enablement specialist. wow that's a lot of just. broad okay and what do you make in this. operational Logistics special definite. real job um I make. 69400 all right at 23 that's pretty. killer yeah yeah 69400 mhm wow any.

bonuses on top of that um not really. that's including like a $75 a month stip. in that I get it's still sick though I. mean that's really good so how do you. feel living on Dallas um basically. 70 uh I it would be fine if I didn't. have it would be fine it would be fine. if I didn't have my. expenses well but okay cost of living. totally fine on what I have might have. your expenses I feel would be the. immediate question uh like paying off.

credit. cards that's was that a [ __ ] expense. that's a debt well it's a debt paying. off my debts if I didn't have my debts. from my [ __ ] why aren't you paying. off your debts then if we were making. $70,000 a year I am paying off the debts. slowly how slow minimums okay so we're. not paying off the debts no so why on. $70,000 a year you know asking how you. feel if an off a 70 you're making pretty. darn close to what I'm assuming is like. the median household income um alone.

alone or is this a dual house just okay. well I have a kid so kid yes oh how is. the kid he's a year. okay. wow wait but you're alone so. the other side of the creation of that. thing isn't here uh not with me. he we split time we split expenses split.

expenses like for him so like dayare oh. for the kid okay. and. food okay like whenever he's there he. pays for the kid whenever I have him I. pay for the. kid yeah the I would say like the reason. that my fances are kind of like where. they're at right now and so bad is just. like he left me we split everything we. didn't have rent before and then he. dipped.

and then just like threw it on me so. it's pretty recent then a year ago okay. well is your rent situation the same no. I we weren't paying rent whenever we. were together well you said he dumped. rent on you yeah whenever I moved out I. had to start paying rent so you had to. move out of his place he moved out too. but yes it he didn't dump rent on you. you went and got a place it's not like. you guys were renting a place and then. he left and didn't pay rent.

well so we when we were together we. didn't pay rent like we our employer. working for like an apartment community. sure we didn't pay rent he didn't dump. rent on you though well he dumped me he. dumped you absolutely and then I had to. pay rent yeah yeah you you moved down. got your own but you made it more sound. like usually when people say that it's. like okay they. left and then I had to pay the entirety. of rent what's your rent uh. $450 okay and you have.

coming in on average it looks like. payroll. 4,628 and it was 1450 his rent mhm I. mean just for your take. home okay I mean you know a little on. that side at 31% but that doesn't. indicate that you should only be paying. minimum monly payment so is that his. fault I don't know that doesn't really. make sense now obviously he's a dude who.

you know you nut you pay the bills. obviously that's kind of how it works so. um I mean well but you already said you. guys split expenses for the kid so just. child care really and the I pay for the. insurance but he splits like health. insurance just for you said food as well. though like whenever he's with him cuz. we split time 50/50 so whenever he's. with him he pays for stuff whenever so. he didn't fully abandon then it's kind. you made it sound like that A little. yeah just you guys just broke up and now.

you're splitting. 50-50 yeah custody uhhuh okay yeah but. the financial situation did he break up. with you or did you break up with him he. dumped me okay why yeah he ran into his. high school Crush okay don't like that. yeah yeah I mean certainly responsib. month old yeah yeah uh so that Su I'm. sorry to hear. that child support.

just um again you're not you pay the. bill yeah but so whenever you do the. math like based on his income yeah. whenever we split mhm he was paying me. more than he would have on child. support So to for the child care for. everything so like Child Care um you. keep changing what's what he's paying. for this changes constantly this changed.

four times now so four no it's the same. thing so child care for what he pays in. general for the child is child care you. said pay you he was paying me cuz I was. paying it but now we're splitting it. within the last like two months how much. money does he contribute do you think on. a monthly basis just just to the child. care how about that just to the child. care since you don't see the rest. because he has the kid 50% of the time. um his cut just for child care is like. 400 a month.

and his child support would be. less um it would be around the same cuz. he has other kids. wow gosh so you're 22 and you had the. kid mhm. yeah 22 whoopsie mhm yeah happens how. many other kids does he have two okay. dude needs to learn what condoms are mhm. yeah yeah he's the the girl he left me.

with to she has two kids oh good so he's. got all the kid expenses five total. technically at least someone's keeping. the country populated. yeah he's doing a great job at it okay. so what's your financial situation then. I mean it really sounded like again you. kind of you you said it's all because of. because he dumped you which yes I mean. he left someone that he had a kid with. that is like right away and then goes. for a high school Crush that is kind of. and obviously it sounds like he has a.

record with that so don't get me wrong. I'm not like yeah bro good job dude yeah. I'm not like that but like you were like. yeah it's cuz he left me and he left me. rent no you moved out and you chose the. rent you wanted you signed up for a. place you wanted you weren't stuck in a. place that he left he pays for child. care half of it and also takes custody. 50% of the time and takes care of all. payments while that's happening so that. really sounds like an immediate like. deflection of blame of responsibility of. not taking accountability because if.

those payments are taken care of and you. know obviously a kid is expensive um but. with where rent is for a pretty strong. income. plus half a child care taken care of. really feel like we could be making at. least a little more than a minimum so. what's going on through finances what's. happening where where are we. today um. I I get a lot of tattoo.

um and I have spent a lot of money on. these tattoos in the past year that's. your financial life is tattoos no I'm. just so that is like one big expensive. where or like area that I've spent a lot. of my talking. about how is how. much that I ask about your finances and. you say I've spent a lot on. tattoos what you okay as a viewer of my. show you guys have seen being there is a.

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over a million people in building your. credit with kickoff get your first month. for a dollar at get kickoff.com calb. that's kickoff without the c g t k i k. ff.com. Caleb so like what else like if you I. guess like if you like break it. down all of my income is going towards. like those credit card payments which is. tattoo the the minimums yeah why are you. much credit card debt why are you so.

much credit card debt how about that. tattoos the tattoos I put okay the first. one we're going to look at is. $862 with a $326 minim monthy payment. that is all tattoo debt that's all. tattoo Deb all of it not all of it I've. put about 10,000 on tattoos in the past. year in the past year yeah well now I. know why said it that's insane yeah. $10,000 yeah and then. tattoos none of them even have color. this one has some color. it's a little blue just a little bit you.

have a salt shaker okay it's one of my. favorites why $10,000 in the last year. on tattoos I just kept getting them no. why cuz they look. cool okay sure yeah um subjective I. guess yeah yeah definitely my dad isn't. a big fan I don't have any cuz I'm. scared of needles I and commitment um. but I've always wanted a base cliff.

right here do it uh the needle thing um. okay $10,000 so really instead of making. Beyond any minimum monthly payments not. just I just kept putting more money on. the credit cards yeah but not just for. your sake but you have a kid now they're. a year old mhm and we're choosing. tattoos over like our literal future how. does that make sense in any context it. doesn't then why then tell me why the. cuz you seem like okay oh it isn't like.

you know it so why. the I just. um I just kept doing it I made friend. artists and then it was like an inside. joke I was going to get an artist or a. tattoo from every artist at the studio. and then I just kept going get a free. thing yeah $110,000 is an insane amount. of money in a single year did when did. you get your first tattoo when I was 18. so 5 years ago okay so it's not like. this but the majority of them have been. this year yeah how much is a tattoo uh. what's what's one of those that you got.

this year uh pretty much all of them. okay fine the spider web on the elbow. how much did that cost it's 400. 500 so quick the amount of things you. could do with 10,000 hours Let's this is. just you. know I paid I think 1,500 for the two. flowers like on my neck these two why no. one can even see them you're wearing. clothes it's true I want to sh if you're. getting tattoos it's not about that.

whether or not I like or dislike I don't. care it's just like you don't have the. money let's think 30 UH 60 let's get to. 60 that $10,000 thrown in your like Mumu. account for example you bought some S&P. 500 on average without even touching it. it would grow to $400,000 in 37 years. you know based on just its average. returns but instead it's this ink on. your body that Fades over time and.

needs touchups well needs touch-ups but. also if you gain or lose weight they. start looking weird it's true it's. another reason I don't get tattoos I'm a. yo-yo I'm a professional yo-yo machine. what would you give yourself s self. assess we already talked about your. first credit card for a second but self. assessed what would you give yourself on. a score Financial score the range being. zero being the absolute worst 10 being. the absolute best you can be where would. you put yourself on that scale um I took. the the quiz on your website okay uh-huh.

I got a zero okay y I mean but again. tattoos are more important than getting. that above a zero right if you want your. score Hammer Financial score you can get. it for free just like she did uh it's in. the description below it's also a good. place to check out the budgeting and. investing uh programs that you get to. take advantage of I highly recommend you. go through it but then you also get sign. up bonuses like $100 into your investing. accounts that check those out okay so. the Quicksilver. the quick.

silver so this one I also used um we'll. get to the car but I I use this card for. the down payment on you didn't you mean. what do you how much is the down payment. all of it a credit. card how much how much uh what was the. dollar amount that's crazy what's the. interest rate on the. car uh 12 point okay well that's that's. that's obviously GR gr that sucks but.

you put the down payment on something. that's what what is this 30% 25%. 32.242262.

yeah but at that point I had already. like added more money onto the sure but. you still put it towards it right most. of it what was the check 3,000 and how. much of it went to the card uh 1,500. maybe only half it was meant to fully. replace what you put towards the card. yeah why only half oh I I ended up. putting it on like the other credit. cards too cuz they were all getting. close to being maxed so that you could. have more room to max out again that's.

yeah you're obviously not a credit card. person so in what world does that logic. makes sense either like don't you what's. your debt payoff strategy cuz that's not. a way to go about it as putting. spreading out a payment across all the. things does it make. sense I was just paying the minimums and. then whenever I got the check I was like. let me spread it throughout because they. all have such I got you but why. you said you said because they were.

almost maxed out but why does that. matter to you why do you want that. little bit of gap between each credit. card to their Max I think the the. thought process that I had whenever I. did that was if they I don't I don't. know what happens when a card gets maxed. I don't know what happens like. realistically like well to your credit. because it's utilization then there can. be fees if you're above the max as well. which interest put you above so so being. close and knowing like the interest is. so high on me.

that to get those a little bit lower. just in case like the charges keep going. then and the down payment was $3,000 so. the other 6,000 or okay I also I don't I. use different credit cards each time but. I was using the credit cards to dayare. for tent but he pays for half again you. don't make an insignificant amount of. money yeah why why was Child Care being. put on a credit card even the tattoos. you could cash flow sure I wouldn't want.

like what is that 20% of your income 15%. of your income net or uh gross going to. tattoos I would want that but not like. 20 but I did put like the tips for the. tattoos I would do with cash yeah but. why not the whole thing cuz you really. could cash flow if you wanted to there. must be something hit some monthly. expense that I just don't know how much. acrw an interest on this card this last. month 20 or 250 I think 280 Maybe. $36.74 yeah she didn't put anything.

extra towards. it and now there's a $326 minimum the. payment and this is over the credit. limit MH this is over the credit limit. the credit limit is $88,500 you're at. 8,621. yeah dude obviously just use the Fizz. card if you're going to use a card the. benefits are more gear towards you. anyway cuz you're. younger I'm scared of anything yeah but. it forces you to pay it off so you can. never get into this it's a charge card.

oh okay yeah the interest rate is insane. interest is year so far 1,128 on this. how much gross. $1,128 stolen from you taken from you. holy and minimal the payments your. strategy right so you're excited to have. that for 27 years because that's how. long it takes to pay off well and I was. putting like whenever I was like. hardcore buying like getting the tattoos. and things like that I was putting more. onto them than the minimums but then the.

minimums kept getting higher cuz I kept. using them you need to close your. accounts chop them up never touch them. again yeah I know it affects your credit. but you are not taking advantage of. credit it's taking advantage of you I. think my credit score is like 580 so I. don't think it matters if I no it. doesn't you're getting completely by all. these credit cards you're getting. destroyed by the interest rate I mean. you're going to have another kid at this. point with how much they're you this is. wild.

was inappropriate what I make. inappropriate jokes we joke here uh okay. Capital One Venture Card. yeah that one's also like. 32% I think but the the the balance is. lower and I also I open these cards when. I was with my ex so that's why the. minimums are so high because I had that. dual income so whenever it said what's. your household no but whenever it said. what's your household in I didn't know.

anything and together we made double my. actual income so I would put that down. and they were like. cool one reason I kind of want to go the. child support route is because at least. it'll be guaranteed like so he doesn't. just like off at some point I mean you. could still off but there'd be legal. consequences in the child supp for out. yeah I'm.

just I think I'm more concerned about. the timeline between let's say I were to. file for child support then he says you. and stops paying anything until that's. done well and I have legal expenses then. I have all of the expenses to myself. aren't you only get an extra 300 400. from him a month like that's not well no. no no no he's paying for child care but. then he's paying for other stuff too. like there's financed Furniture items. that he took when we broke up that he's. why does this keep changing you. literally keep changing what they taking.

care all the way through it no you you I. think you said the words only child. support uh only child care for the child. yeah but then he took like he took our. our bed and he took our couch that's. Finance so he's paying to 200 towards. the couch and then he's paying kids is. he paying child support for them like. what's happening not court ordered but. yeah he is so he's not a terrible guy. sounds like he's paying his bills he's. trying to participate in their lives. he's just you know it's kind of a dou. ter of the bang and leave situation yeah.

which don't do that naughty naughty we a. condom I mean you could also say wear a. condom yeah I won't unless you wear a. condom there's that but but also yes to. him we a condom. like it's a two-way street the. Intercourse thing it definitely is it is. on both of us I mean I take. responsibility for that as well which is. why I pay my part too but yeah nose. powerful. forward but also man up and wrap.

up. also learn your pull out game dude. that's all I'm. saying there's a lot of UPS he made. along the way that's all I'm saying I'm. going to leave it there I'm going leave. it there $127 minim payment on this so. jeez they're really stacking. $3,534 61 $92 of Interest so the. interest charges a month this is crazy. across the board I think that's actually. gone up to the interest charge is like.

over 100 now if your pull out game is. weak make sure you apply to be on the. show at Caleb hammer.com apppp and I. will um yell at you for. that we're filming on a Monday it's. weird I don't think anyone's fully. mentally here that's. okay and it's a 30.4. n% yeah Oh I thought that was at 32.

too It's Not Butter. but Noah's telling me he wants to do a. pull out audit in the uh post show in. the financial audit post. show no Noah naughty bad yikes only one. kitten that's wasn't about I'm very. confused as to who like what that would. never mind I don't know. that what specifically is that me me.

it's nothing I I don't it's. Monday okay ex eater M eater I've never. even heard of this this supp to be the. car cuz 26,000 so it's 26,000 to. 12% okay what's the car Toyota R 4. ra for year.

2021. okay why do you need this much of a car. right now at. 23 another chunky minimum you payment of. $532 these are really. stacking. yeah how do you need this much of a car. was the question I asked I so. I had a Fiat before which was not. suitable for the child. that I have uh the suit the the car seat.

didn't fit in the back seat of it so I. wanted a different car why I got this. car I just one I really liked it two was. like the only one that they had on the. lot that really like fit what I needed. there were a couple others just I guess. I have a big car seat and I don't I. couldn't get the angle right so the only. car was. $26,000 with a $4,000 $3,000 car down. payment on our credit card at 32% that's. the only car we could get that had a car.

seat would fit shop around much of. course not it's the American way and. then we're stuck in a high interest High. minimum Mony payment I really don't know. anything about buying a car and I went. into it knowing nothing about buying a. car I mean I like the money guy rule. where it's 20 you have to get a 20% down. no year no longer than a three-year note. and the minim monthly payment can be no. larger than 8% of your income no that. doesn't that doesn't stack up here at.

all no that doesn't well what's the term. length the longest one that I could do. oh it's. essentially goes till the end of. 2029 yeah what's the car. worth. 22,000 18,000 oh my God that's. unfortunate when did you get this 6. months ago okay and it's so what was the. purchase price 30 right no. the like what I paid or like what I.

technically the purchased price yeah. because you put 3,000 down and you have. $26,000 out on it oh what was the. purchase price I guess like 29 then okay. 28 29 so it went down $14,000 of value. in six months that's crazy I mean you. probably didn't purchase it of value you. probably purchased it above value. but yeah and I had so where I really. played myself with that I had bought a. different car so I I went there I bought.

a car I bought a Mitsubishi and I did. not like it like. within you within the within the return. it. 18 19 still a lot but my minimum payment. for that was like 300 what did you what. did you not like about it um So within. the first week of having it I loved it. it was fantastic but then about a month. later it was just like little things. start started going wrong so I popped. every tire was that the car's.

fault so whenever I took it back I'm. convinced that like whenever I bought it. it had like nails in it because I don't. think we get new cars cuz of tires no. but plac them all for like a th000 bucks. it just kept happening so I'm like I. don't is it like the type of constantly. like within the month they had it I blew. all four tires and like it was just yeah. but what about like a new tire on the. wheel even the new ones so the new one. would immediately pop within like a week. or so yeah were they no were they new.

tires they were new tires they weren't. patched no they were new tires it was. insane it was like every single week a. tire popped and I just did you bring. this up to the dealership and just like. hey or like have anyone look at it and. give a reason why before we decide to go. $10,000 more into debt yeah so I took it. back to that wasn't the only reason why. like I also I didn't like the way it. drove it I didn't like the way it drove. um it didn't feel big enough like it. wasn't I went from a Fiat to what I.

wanted as a bigger. car like to have the space for like how. people in my car feeling feeling that's. $10,000 more lot once a lot of once for. all that debt uhhuh yes okay um and then. I took it back to them and they were. like well we'll take it back we'll cut. $1,000 off if you buy another. car oh they played they made their money. dude and made their money they didn't. have any other cars on the lot that were.

around the same price of course not oh. of course not um so I ended up going. with that one and they they really threw. me in the it's between this one and a. Jeep Cherokee or something like that. that was like 35 or 36 and I was like. well I'm going to go with the cheaper. one this was the this is that's so dumb. yeah maybe there was something weird. with like all the axles or something. whatever the thing is that popped all. the tires constantly who knows that. could have been a $1,000 fix or. something yeah instead of $10,000 more.

debt they knocked $1,000 off of a car. that's worth $14,000 less than what you. paid for and put $3,000 down on a 32.5%. credit card debt insane kill me now. death I do really like my card now good. I'm glad you better cuz it's expensive. and there's not much finessing we can do. with different financings to get it into. a better place because the you're. underwater on it dramatically yeah it. would go seriously negative if I sold it. back or anything and guess what you're.

paying those minimums until 2030 yeah I. thinkc like December of 2029 it is yeah. it's the end right to 20203 uh 2030 and. then hopefully it makes it till. then take care of it I mean knowing you. Tire will poping you be like oh this. car's done I guess I got to get a 40,000. hour car this. time tire popped oh no. my insurance covers that now though I I.

we upgraded my car insurance so I pay. more for car insurance now but Apple. card $4,487.29. oh yeah yeah cuz connected to like Apple.

pay and everything it was connected this. doesn't make sense you you you seem. relatively knowledgeable about your. situation you know you're in a bad place. I know you watch the show and you've. watched the show for a while and you're. a fan of the. show this confused as the out of me. what's even the point of consuming the. show if you don't like get your in order. cuz we're just getting stares and stares. and stares and starbs and Amazon and. going to the mall and McDonald's and. stares. the are we.

doing what are we doing so I I work from. home and a lot of that's that's a that. means you really shouldn't be getting. starb cuz you don't commute yeah well I. have to take my kid daycare and a lot of. times I will get there and then it's. like I have a meeting in five minutes so. I go to Starbucks. to to like go on the meeting sure don't. spend money use the Wi-Fi get a water. then I feel weird like cuz I'm a. customer. but you're not cuz you don't have money. to spend no you shouldn't be you don't.

have money yeah but I also really a. stupid car loan for someone who works. from home but I have to I have to drive. to Austin and San Antonio and stuff a. lot for work like I work remote but I. have to go on site CU I work for. property management company twice a. month three times a month my little Fiat. wouldn't make it t Okay twice a month. twice a month so 24 times a year and we. need a $30,000 car loan to get. it yeah it's a nice car. yeah but that's obvious better than my.

old car I probably should have gotten a. different car. but I made that that's dumb that's dumb. that's the dumbest thing I've ever heard. yeah we are basically halfway through. the year and I need to make sure you. guys are saving your money in the right. place in my resources section in the. description below you can sign up for. one of the best high yield savings. accounts there are but you can also get. $300 for free with qualifying deposits. you can also get FDIC Insurance up to $2. million on your money and get. 4.6% on the money that's just sitting.

there it's exactly where I put my money. why let your money lose money when it. could be making money it's the biggest. no-brainer in the world open up a Sofi. high yield savings account now and get. that $300 for free play it's a nice car. that do a nice car how is that how is. that more important than your children's. future do they have a college. fund um I opened a college fund I've put. probably $25 in it yeah so having the.

the nice car is more important. right right in that moment what's your. retirement account at uh. 3500 401K horrendous for 23 well. whenever I started working for this. company they didn't have a 401k and. before I worked for them I was I had. like a Roth IRA or something but I took. it all out because I didn't know when. that M and I actually never invested it. so it was just money sitting there and I. needed the money this is like 2 years. ago so I took it out and then when they.

finally got the 401K at my new job I. started putting money into that just. time is on your side dude you're so. young it's the perfect opportunity to. just take advantage of time and let that. Compound on itself continuously over the. course of decades before you. retire I also don't know anything about. like actually investing so. hypothetically luckily you're going. through the investing class which will.

be good then that'll help and that it's. so we could have a quick conversation. but i' would rather you go through four. hours of like true deep Dives and take. all the quizzes and everything so. that'll be a little better but I mean in. general just for the average person and. it's one of the methods we go over. just it's not advice of what to get but. what's really good for average people. are just indexed Target date retirement. funds and it's like okay am we going to. retire in. 20 50 and it it bases its aggressiveness.

and conservativeness based on how close. it is to the retirement date and that's. just chill all you do is just throw. money into that oh we also have some. things Finance what is finance $400 from. Apple and. $249 I don't even see a smartwatch so. um that's a great question how do you. not know um you don't know what you have. financed I can't really 400 do you have.

an iPhone I do yeah but it's it's not. that that's financed through a phone. company probably well my parents paid. for the phone um I was in college when I. got it so the 400 I think was an Apple. Watch which you're not wearing which I'm. not wearing classic uh the. 250. airpods airpods Pro okay which I do use. on a daily. basis since I bought them like almost a. year ago I think where are your parents.

where are they are they in Dallas as. well mhm okay all right how much do they. help out with a kid uh they buy stuff so. like if there's like toys or anything. like that they help with that um they've. they help here and there make good money. for your age do you have a college. degree I went to college but I didn't. end up getting my bachelors but I did. get my associates I came back it was Co. I came back during Co what's your. Associates in oh just straight associate. of Arts okay you're you're making good.

money for someone that doesn't have a. bachelor's degree someone that's only 23. it's pretty. great there are student loans if I. remember right aren't there there's a. and there's not like a ton but they're. they're in. there cuz it was only a semester and a. half that I had to pay for since Co hit. while I was there well I'm always happy. to offer every single guest if you ever. want anything for extra income a tech. certification through cor screws but in. your situation again you do well I don't.

think income is your issue I don't think. it's your issue no I don't think so. either affirm what are you affirming you. don't need to affirm you make money what. are you affirming which one is. that uh Amazon Amazon is this. ring it's no it's horrendous I what is. it it's an aura ring. so it's one of those it's but I'm also.

financing an Apple Watch. so it was a very impulsive decision when. I bought it was at my friend's house. drunk she had one I was like a drunk. ring purchase yeah so I didn't know that. there was any interest whenever I did it. cuz I am so you didn't well to 30% yeah. so I had I used to have decent credit so. anything I would ever do a firm with. which is what I would do just to build. my credit whenever I was a good credit.

card person two years ago um and I. didn't I just click through it cuz I. knew where to click again I was drunk. and then it was 30% I didn't actually. know that until I sent you the. statements um what's the minimum monthly. on this. 2250 you love living the minimum monthly. payment life nectar you got a Nector. mattress I have an actor mattress as. well and I like it I don't have it that. um. um my uh my ex has that and he pays for.

it so that's part of what he sends me. every month it's $80 a month or $72 a. month what if he doesn't then you have. to cuz it's on your credit right not his. yes mhm kind of mattress do you have now. I have a l mattress that I bought maybe. like three or four years ago it's paid. off I did not affirm that paid straight. cash for it $. 17385 is still owed on this so he better.

not this one's actually at. 0% okay what's the minimum mon you oh. sorry actually the remaining balance is. 426 but you took out 1700 mhm okay. what's the minimum uh. $70.99 okay see again you're very aware. of your situation you've just done. nothing to fix it correct which is. almost even more dangerous than the. people who come here oblivious to their. situation because at least they have a.

reason for not doing anything because. they just don't even know what you doing. starbs every second of your life Plus in. other spend multiple spending accounts. we have to go through here in a. bit while being fully knowledgeable. about your situation then $10,000 in. tattoos in a year but fully. knowledgeable about your situation um. $30,000 down on a 32.5% credit card but. fully knowledgeable about your situation. it makes sense you know down to the. scent with your farm payment that you. don't even pay because someone else send. you money is like it's I think I know. that one because he sends me but yeah.

but you also answered on the other f as. well you've answered you've been able to. answer most money questions I've given. you mhm but the reasons. why yeah. but so what the is that [ __ ] what so. what do you owe on this ugly watch ring. it's it looks like it's. like can see the like sensors in it it's. like made out of a stone or something. it's like not I don't well I could have. gotten it just black and it would have.

been $100 more what is it doing so it's. essentially an Apple Watch it tracks. your like heart rate your. temperature um your sleeping things like. that I can't sleep with the watch on so. then I would forget that I'm I need to. put it back on so that's I like I don't. even know where it's at somewhere in my. apartment the watch but this is that. thing you need a monthly. payment what are you paying a month $7 a. month about and you're paying pay that. mhm to use it oh my gosh on top of the.

$350 to buy it plus interest plus. interest 30% interest medical bills what. are these medical bills which one. there's there's quite a lot of you paid. the $75 one um $75. with I think that's the. that's can I see it or is that the. minimum monthly yeah it's the minimum. monthly the total that was this was the. amount due and that's when they.

basically told me pay it or we're gonna. send it off yeah it's 22 payments $75. each at. $538 balance mhm because in in Texas if. it's over 500 they can send it to. collections what is this for um this. one so this one is for my son he had to. go to the emergency room um he had RSV. so to be clear instead of having an. emergency fund to help take care of. things like our child $10,000 in tattoos.

mhm right okay um so he he had to go to. the emergency room this was for just the. emergency room I think there's another. one in there for Cooks cuz he had to. stay um for Cooks cooks children oh. yeah uh yes oh this one's big okay yeah. but this um this one this other one's a. $3,197 with a mdle monthly payment of.

$121.6 so this one it's 75 is how much. was due the minimum monthly is this is. the agreed upon is 25 oh okay so that's. what I agreed upon with Baylor and then. the other one at Cooks I think I agreed. with oh that so that not that one that. one's still so this is another medical. what was this one for this one's me this. one I um um so I was admitted to the. emergency room about a year ago whenever.

I started spending all this money uh for. mental health stuff oh gosh okay um so. this is paying for that I don't see the. cook the Cook Children's Hospital thing. um I don't know it might be still in. here somewhere probably is it's a thick. stack that was a hard one for me to get. like. a statement for but the cook's children. is well I'm glad you're still with us. let me just say that to be very clear.

I'm paying for it though yeah well I. would rather you pay for it and be. alive okay uh if I go but this 25 and my. baby's dad is splitting this with me so. he sends me. $12.50 for this okay and then he sends. me like I don't know how much the cooks. one is I feel like it's in there. somewhere but he's splitting that one. with me too well what's the. uh that's a collections. oh collections from University mhm so.

I applied and got into. Tarlton and I was going for like Child. Care education or something I wanted to. do a career CH just making up the name. of schools these days that one's nearby. it's in Stevenville Texas never heard of. that City that's. crazy anyways it's not important but. it's in Texas that's okay okay go ahead. um they I reached out to them I was a. late admit so I admitted like a week and.

a half into classes starting um because. I had to make sure my finances were in. order to. pay and then two days later I found out. I was. pregnant oh yeah and I reached back out. to them they were like well technically. the deadline is done so you're going to. have to pay for like 10% of the semester. or something I was like I literally. haven't been to a class they said well. let me get back back with you that was. the last communication I have via email.

every once in a while I wake up in the. middle of the night with a deep sweat. just like the fear of a woman getting. pregnant well you wrap it so it's all. right this is scary though even those. have a 1% chance of failing or something. like that it's. like oh it's scary yeah cuz then you. have not this this is excessive but I. don't think this is because of the. kid the one medical yeah and then. there's also was the other one. postpartum yeah related uh okay so.

there's so many I oh either way you owe. $1,300 in this collections yeah I'm. paying $100 a month on that oh you. haven't agreed upon minimum uhhuh $100. and yeah cuz it was 2,200 to start. mhm man okay just continues oh Cook. Children's okay yeah so that's for his. Hospital stay um and this was when I. finally reached the deductible on our. insurance.

um yeah. $3,264 32 cents is owed what's the. minimum Mony on. this I don't know for that5 yep and that. one I split with his dad. okay but that's just part of the. incoming M hoping he always pays Los his. job don't know well and that goes into. the take him to court F MO heila that's. my private student loan so that's. actually a refinance it was love them.

for high yield saving. accounts. yeah actually as far as private student. loans go it was this a refinance that's. why it's a little better because yeah. Sally May can be like 20% of insanity it. split in half it was like 17 more than. half it was like 17% and then when I. refinanced they brought it down still at. 7.25 % I'd want you to pay this off. pretty quick cuz typically student loans.

I'm thinking like four 5% anything above. that range we want to pay off so with. when you're competing against the stock. market just average return of 8% you. know it's like it's it's right there. we'd still want to pay this off just. like any other. debt. $7,295 the minimum monthly payment of $1. 17045 yeah these minimums stacking now. yep the minimums are stacking now. is that all the. Debs pretty sure.

no are my federal student loans in there. no are you sure yeah um um me pulled. them up uh I may have lost them because. they are in our tracking so I do have. $992 yep um and I was not paying. those okay um and I didn't like I didn't. realize that I had to start paying them. back okay yet um I mean they sent like a.

thousand emails and phone calls but sure. so they had my my old email and they had. my old address so I actually didn't get. anything from like I'm sure they sent it. but I didn't actually receive it okay. well they made calls too and just again. emails so whatever either way what's the. minimum monthly uh I believe it's about. 75 okay so with that luckily they. haven't done any garnish wages and it's. not hurting your credit because there's.

a grace period until this. fall with not paying the payments I. checked it and it says on there that. like if I don't pay this month then well. this might be the end of the grace this. is the this is the end like this or last. month still been acre okay just make. your payments. dude and then we have a PayPal account. what are we doing stares uh some inapp. Google thing and stares and Wing Stop. and stares and stares and stares in Epic. Games Apple Services star bees Apple.

Services Apple Services uer eats you can. afford Uber Eats you you not putting. anything extra towards your debt you. weren't even paying your student loans. we getting Uber Eats what a joke Uber. Eats oh there's the. ring Etsy. Starbucks yeah it's not a we're dropping. our kid off and I'm running light to a. meeting no this is every day at this. point or at least every other day so. it's not just a I was running late for a. meeting so I stopped you're endlessly. doing.

it yeah I have a coffee problem um. actually then make it at home and chug a. pot yeah I have a curig cool um and I. have looked at it at my on like the top. of my shelf every day and I'm like just. get syrups get the sugar get the milks. get what you need to do I love summer. Moon coffee I love summer Moon Cofe well. that's fine but I love summer Moon. coffee cuz I the moon milk but instead. of always having to get Summer moon for. every single coffee I just go and get.

their damn Moon milk and I put it in my. coffee every morning okay gotcha okay. and also Starbucks Coffee just get the. beans the same beans they have I get. they also have the Starbucks pods so I. get cold brew with they have theold bre. chocolate cold. foam like that's my go-to is the. chocolate cold foam cold brew [ __ ]. you can't afford it you have a kid. you're not doing anything.

just again you just seemed so aware of. your situation but you're just like and. but coffee in a car I like it's more. important it's stupid it doesn't make. sense Chicken Express Panda Express Car. Wash our super nice car that we love. McDonald's Chicken. Express some tattoo yep there it is that. was to finish this one Sonic drive great. glad it's done what is that fob from.

Lord of the. Rings what is it Sonic Taco. Bueno. Starbucks apple uberit more Apple you're. in at purchases or subscriptions are. endless there's more or Wing ring Uber. Eats and Etsy oh some of these are. repeats from the PayPal yeah so I put. the PayPal so you would know what it was. cuz I didn't know it okay highlighted it. on there and you're paying for Discord. it's a little stupid yeah Nitro for my.

friend server. great have them pay for it I don't what. it's just to boost. it for. what there's no real reason for that I. can definitely canc cancel it you can't. afford to live then 3,630 in our 401K. cool so the aura ring that did I mention. that that the it has subscription yeah. we talked about that that was what was.

on there the additional AA yeah stop and. wear your. watch doesn't cost a subscription you're. already paying the minim payment sell. that thing cancel the subscription can't. afford it you're being done with the. money again you're aware so just. stop your spending categories your debt. payments are n Only $. 8632 or only 14.9% of your spending. housing was 25.9% of your spending or. 1,500 $12. $697 went the transportation or 12% 2.9%.

with the necessary food $167 only $167. necessary food kiding me. $334 uh. 76 went to Food also 5.8% 10.6%. went to unknown shopping typically. Amazon Walmart uh inapp Apple kind of. crap we don't remember remember that one. but it's usually [ __ ] that's 10.6%. of your spending or $612 78 Medical. Healthcare $166 180. or 2.9% of your spending savings 1.9% of. your spending or $110 subscriptions. 3%.

of your spending it's probably just the. aura 6.1% or 356 miscellaneous [ __ ]. just does not matter does not improve. your life in any way whatsoever 16.8% or. $977 N5 with the other large. purchases this other large purchases. were zelling out 963 to who to who uh a. CPR certification. so the that was only $15 the rest was. zel what the are you zing child.

care so that you said he pays half and. you said it was only uh well at the time. of these statements it. was so I'm trying to do the mouse so 23. of that would. be um car insurance my dad it's under. him so I pay him for it and I just sell. him my cut of the car. insurance um and then the rest of it. would be child care because we were just. going through a babysitter at that.

point okay 12 deaths let do your. budget my poor talk and none of this. matters if you don't sit down actually. go through the program but also just sit. down on a monthly basis and go through. your previous month see what you spent. on according to and versus what you. needed to do for your budget and. readjust for the next month you need to. sit down spend hours on this again you. don't make bad money you just put. yourself in so much debt for the stupid. stupidest of reasons besides the student. loans but for the stupidest of reasons.

and and besides the medical well and I. feel like I'm at a point now where like. even if I cut out like all the Starbucks. the minimums are so high on all that you. have to cut out the Starbucks because. you're those Bill th that those that. that money $300 that went to Starbucks. basically could be making progress. towards it yeah even if it feels slow. it's still progress It's better than no. progress I never like went grocery.

shopping or anything like that like I. used to not have any debts and just make. good money and just eat out every day. and it didn't matter cuz I made enough. money to do that like during Co well. guess what adap girl the world has. changed I've never adapted back to well. it's time to total income what was it we. saw it 4,000 something uh. 4,628 which is great well and that. doesn't include like I have door Dash. and Uber Eats like two dash and two.

drive so like well again you're just. again I don't think it was an income. issue it's your spending is ridiculous. but let's find out I'm doing. your thing what's your. rent uh after fees. is450. utilities uh electric. averages. 150 okay uh water is included in the. rent and um internet is. $72 okay uh insurance is $15 a.

month gas vom vom drive. drive. um $80 a. month maybe 90 I'll do. 80 okay car insurance that you give to. your dad right yeah how much 23 okay I. did try to see like how much it would. cost to do it myself and it was going to. be like over 300 for the phone bill no. he does that mhm okay when you need to.

take care of your phone bill do uh. helium it's they use T-Mobile towers 20. bucks a month it's good that's cheap but. we get to do nothing for the phone pill. right now which is also good TP fun. anything you and the kid need to survive. 150 bucks just extra extra it's like if. he needs an extra pair of whatever you. know necessary food you and the kids. should be able to. do should be able to do $500 a month. well and I don't even think I spend 500. a month you don't because you eat out.

and you go and you Uber Eats and but. this is what you can do and no it. shouldn't I think it should be less than. that because he takes care of half when. the kid is with him EXA so I really I'm. going to no I'm going to do 500 though. uh medical medical ongoing not those. debts but medical is there therapy. anything gy no okay no subscriptions. sell that so I do have I do have. subscriptions no you're you're canceling. them okay yeah there's no subscriptions.

in your budget. what but so the only subscription that I. do have is YouTube premium okay cancel. it but I split it like with my family so. that we can all have it okay now they're. painful cuz for let's see how much you. have in your budget let's see sometimes. I can give a little bit of fun but the. fact that your that's great but the fact. that your debt minimum ly payments are. almost half of your entire income it's. making me a little hard no it's making. it hard.

to shut up Noah. so to. uh give any fun. spending cuz my kid watches a lot of. Miss. Rachel I don't know if you know who she. is nope I'm not a kid. oh um well she's she's on YouTube and I. think if he had to pause for an ad he. would flip his that's great but after.

all your minimums you literally only. have $100 left over. so Jesus that's what happens when you f. it all. up that I did right now if you guys use. my MooMoo Link in the description below. you can literally get 8% on your money. that's sitting in there for 3 months. it's absolutely incredible plus you'll. get 15 free stocks just for signing up. with my link this is literally free. money so make sure you're taking. advantage of it now there is no reason.

not to sign up now Link in the. description below and I don't think any. of these are we know that for a fact I. think so pretty sure uh you saying that. YouTube kids don't have commercials I. don't know that like if you make like a. YouTube kids. account I'm that's what he's saying I'm. sorry it says YouTube kids has limited. ads limited ads been let. astray Noah GPT. oh but wait what what comes in on a. monthly basis from the from the X um so.

he's I didn't put child care how much do. you have to put towards the daycare um. so now starting next week it's 2:16. every other week and then total for. whenever he's with me just so okay so. 216 and then every other week every. other week and how many twice a month. okay okay technically there's some pay. periods where like it's three weeks I. got you about 432 on average okay 432. plus his max is.

190 so it's 216 so there's 26 extra. dollars a month that I would need to. pay wait what during his wa wait wait. I'm sorry so it's 26 a week for it his. max is 190 he cannot Max uh my baby's. father oh his max is 190 why I don't. know that's his budget oh according to. him yeah is it is is that an option. doing 190 not for like realistically. like we have to pay 216 oh I know is it.

an option for him to say he can't pay. more oh I mean I his other option what. you have to pay on a minimum monthly. basis towards this so I can put it in. your budget uh 216 plus 50 so 216 twice. plus. 50 482. yep is that before he gives you any. money or is that. after be like the total income is that's.

without this has this doesn't have the. Mone 482 yeah that's not including what. he what he gives you what he pays I'm. I'm talking about giving you. specifically cuz this there was a whole. mix if he gives you this for this and. this and this and this is this before he. gives you any money or after before okay. so 482 comes out of your account uhhuh. and then he gives you money yeah so 482.

is I'm sorry the 482 how much does he. give you on a monthly basis for. everything I don't need the breakdown. just for. everything $450 to $500 a. month how do you determine that extra. 50 um there are. some. months where he pays like a little bit. more depending on if it's one of those. pay periods where there's like 3 weeks. and.

okay congratulations we have even less. money to play with now on a monthly. basis 5,078 is what comes in after. everything what comes out minimum is. 5,11. $67 after everything with your strong. income and now it makes sense and now. you're forcing it to be an income. problem that's what got us there you. just kept spending all your money and. you've racked up your debts tattoos and. down payments on cars and all this.

[ __ ] the car. was like such. a such a dumb purchase yes but there's. no like getting out of it now well. technically there is we could save. $6,000 by borrowing the difference of. $9,000 plus an additional $10,000. getting a $110,000 $10,000 car with that. person alone and then using $9,000 of it. to uh make the difference in between. selling your car and what you still owe.

on it so technically we we could save. $7,000 there in debt I don't think. that's the make or break for our whole. situation plus your minimum monthly. payments would go up because personal. loans aren't as kind with payment. lengths even though it' be less. debt well and one thing. too with the credit card so my my dad. offered it's in discussion to like pay. them in like how what do you mean.

totally just pay them but back or. minimum so he would just pay them off. completely drop I think like Cas yeah I. think it's like. 16,000 listen I'm not opposed to that in. concept the thing is it's almost kind of. like a debt consolidation you're not. fixing the behavior before you do that. so like you'll rack them up just again. well I'm not using them like the other. than the Apple card oh on one of the. credit cards that had an insanely high. balance and terrible interest and so.

what are you talking about my my PayPal. was connected to my Apple but I've. switched that your dad he's 59 and a. half okay so he's at retirement age so. when you can pull from your tax. advantage accounts yes penalty-free mhm. and he's going to be you're going to be. taking his money to pay this off you. might build the debts rate back up. because you didn't address your behavior. before paying for it see I don't think. it's the ultimate helpful sure I'm down. for it I'm down for anyone helping. however they want to help. you didn't fix your issue that got you. there in the first place so I don't.

think that really helps yes it helps you. from a minimum monly payment basis which. is why I'm like yeah maybe we should do. it. but I would only do it if you literally. close all your accounts so that you. don't have access to them I'm willing to. do that yeah I think I think it only. works but it's and you're getting a. bailout and I know you have to pay it. off but you need to close your accounts. if you do that that's the only only way. where I'll accept that from my point of. view cuz you cannot have access to it.

you did not address your overall. issues again get the Fizz card you can. build your credit that way can you use. so like let's say you go to a hotel and. you know how they're like you need to. put a credit card for like the. incidentals or whatever can you use that. yes okay an extra like a credit card but. it's like a charge card you have to pay. it off every month it's forced okay I. don't know what that like what do they. do if you don't have the money you get. fun more quences than just seeing. interest acred but I don't know like. that was one thing that was we're.

discussing and that like he would still. charge interest that it's financially. smart for him to do that it just. wouldn't be 30% I don't know like 10%. and would there be a minimum monly. payment what I can pay minimum which is. closer to. 400 in my. head for the credit cards cuz I think my. minimums right now are around 300 or I'm. sorry 600 would that be the affirms as. well no just the credit cards well in. one of those affirms like I said one of.

those uh my ex is paying off I well I. asked you how much he gives you and we. put that in the calculation. yeah but no he wouldn't pay those off as. well just the credit cards themselves. okay yeah your debt minimum credit. minimum three payments are. 337 so this would give you an extra. 250250 to $300 left on a monthly basis. to try to tackle your debt. only do it if you close your. cards only do it if you're willing to.

close your cards okay I don't even know. like how contact the bank they'll fight. you that sounds bring them call yeah all. of these are battle with the banks. listen do that and then pay off that. high interest. airm maybe minimum on the medical until. they're paid off minimum on the Federal. student loans until they're paid off. then I would pay the um moila student. loans off as quick as you can m m on the.

0% affirm that the x is taken care of. tell's paid off the debt that's what we. start going hard on I you you throw even. if okay you have an extra what did I say. 400 bucks a month yeah if we pay off the. credit cards and I did put I put 200 on. the aura ring so that's the car with. your additional payment. it still takes three years to pay off. the car throwing all that extra towards. it plus the.

minimum so but I think the total would. be less I think the total now with. interest for five years is like 60. something thousand or something like. that no I don't think it's the worst. idea but take that extra money don't put. it to starb throw it towards the debts. and again the what are the debts the. moila the high interest of. firm and the car those are the ones we. throw it to I think the medical are. minimum until they're paid off unless. you start finding yourself having extra. money towards the end federal student.

loans probably minimum and then same. with the 0% uh mattress which he's. already taking care of your ex and then. so after those three bad debts that we. talk about then start paying your dad. back then get a fully funded emergency. fund that's the order i' go about it it. doesn't work if you don't change your. behavior because you can still spend. from your. checking um so if you're going to starbs. every day like that extra $300 would. just be eaten away I mean again you you. spent $300 um going over $300 like. getting going out to eat and getting.

Starbucks so like all that extra money. that you'd have left over because of. this new situation like you know it it. vanishes in the way that you're doing it. so just make coffee from home grind up. the nasty Starbucks beans the overly. bitter completely destroyed and burnt. Starbucks beans um just you. know you know that that's what I would. do it's going to take a long time still. but that is an okay out now of course. you can speed it up by you know. obviously get a raise you know get you.

know an annual cost of living raise. hopefully a little more than that uh. pick up a side job when you can I've. thought about getting a side job but the. schedule that I have right now with my. kid is like one week on one week off oh. yeah okay so it's what about the parents. can they babysit they live like 45. minutes away from me okay can you get a. job in their area I could see a coffee. shop job imagine a coffee shop job in. their area you drive 45 minutes drop off. the Kid 2 days a week 2 days a week you.

work 5 hours pick up the kid go back. home okay that's 10 hours a. week the I don't know what it is in. Dallas I was uh this this isn't like. coal like Stone hard research like. airproof but I was comparing uh I. sweeped the internet for the lowest. paying jobs in Austin like the lowest. paying job openings in Austin and the. median like real minimum wage in Austin. is $18 I don't know what it is in Dallas.

but let's say it's. 15 extra that's an extra almost $8,000 a. year you know extra 650 bucks extra 650. bucks a month that accelerates your. process dramatically years difference. years difference so yeah two two shifts. a week five hours what so that's why I. started doing like the door Dash and. Uber e thing only because sense in your. situation with your car and. everything I mean it's new car I drive.

it during the pandemic Uber people were. making a lot of money but got back to. but it's gotten back to where it kind of. was before where just as you know it's. like you're making probably an average. of What another $15 an hour right it's. 15 16 yeah yeah but is that before gas. and uh maintenance and depreciation on. your car or after before okay so yeah. just go get a $15 an hour job so I. applied though I not to a ton say like I. was applying go so you just answered. your question you just said not a ton so. there you go apply to a ton yeah I can.

do that there you go I just usually get. shut down at the schedule cuz they're. like oh we want you every weekend but I. can't like even if I why they your. parents can't. babysit not for long hours like that no. 5 hours listen what if it's even like. they stay at the grandparents house one. evening you work one overnight shift on. a weekend so. I'm not saying this is perfect I'm not. saying that's the easiest job to get I'm.

just there are solutions out there but. if we just say it's impossible then. it'll never happen I mean because if you. come from that point of view then it'll. literally never happen you got to work. to find it and apply it's not everything. in this conversation cuz this what is. this an hour hour and a half. conversations everything's always easier. send than done or else you never get. anywhere in these type of conversations. but if you don't put the work in you're. never going to get it if you just say. that it's impossible. then it is impossible because you've. allowed it to be so like what what jobs.

are there that are like one or two days. a week overnight um I bet you could get. something at Walmart overnight stocking. shelves McDonald's you never know they. open schedule when it comes to Jimmy. John's Jimmy John's they allow you to. sign up per uh per four month or six. month intervals and you literally sign. in the sheet the slot that you take. every week and if you just take one you. can do that if you want at least at. least in the the Jimmy Johns I worked.

for I don't know how they do it down. here you know but like there are. examples again you just got to put in. the work do a little bit of research. yeah where do you like just go do you. like just like go to their websites um. for what like for stuff like looking for. jobs like that job openings typically or. talk to a manager call up a lot of the. service based industry jobs are the ones. that um they have that high demand still. there's millions and millions of job. openings in the United States now uh.

unemployment did just hit 4% but there. are still millions of open positions. they're typically service-based jobs and. those are the ones we're talking about. so yeah just talk to the managers they. need to fill positions they need to. spending in a budget I mean star's every. day at least you're making your minimum. monly payments spending it still wasn't. Obviously good because you should be. putting more than your minimums but I'll. give that a two out of 10 debt there is. something in collections so that. immediately brings it down to a 0 out of. 10 that sucks emergency fund there's. nothing in Saving 0 out of 10 retirement.

it's going to be a three out of 10 for. your age real estate 0 out of 10 so. compared to the one you took online it's. going to be a little different it's. going to be a 0. five wait actually did. I do that math right no it's going to be. a one out of 10 one out of 10 cuz I. think your retirement carries a little. bit of. weight for your Agee nice make sure to. check out all the resources Linked In. the descript deson below is there what I. use or would use in specific situations. including the best budgeting program in. the history of the internet and the best.

investing program in the history of the. internet where you get a $0000 into your. investing account when you sign up now. stick around for the financial audit. post show today on the financial audit. post show Mr Hammer how's your pullout. game oh no we not you tease that up you. tease that we have to deliver on the. promises that we made are you sure. yeah you guys are lucky your subscribers. it's I think you're open enough about. your finances that if you did happen to. have a baby out there that they would be. coming for child support that 100% to.

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