She'd Rather Cheat Than Grow Up | Financial Audit

And what's your living situation now? with boyfriend. He pays for the rent? You're saying it very weird. After everything started going downhill. with my current boyfriend, it's a person. that I has helped me through this. current situation as a supporter. friend? Yes. Cuz you wouldn't want new. friends dating old friends. No. They'd probably kill each other. Hi, this is Mia. I'm 26 years old and. I'm from Dallas, Texas and this is. financial audit. Thanks for coming down from Dallas. What. do you do up there for a living? Uh.

currently I am actually getting a new. job starting Monday. Congratulations. As a property manager. Okay, yeah. So. what are we going to be making in this. new position? Uh 15 an hour. 15 an hour, okay. Property manager, so are you going. to be like showing people apartments and. So it's a public storage. property manager. So I'm just. essentially taking care of a storage. site. Sure. So the maintenance of it, the. um customer interaction, stuff like.

that. Got you. And how many hours a week will. that be? 40. Okay. So 600 bucks a week-ish. Yeah. Call it 52 weeks a year. Do you. get PTO? Yes, I haven't discussed that. quite yet though. So $31,200 a year. Mhm. How's I mean that's kind of hard for. Dallas. Yeah. What are we. What's going on? So I used to work at a garden that I.

made 1643. Um but then was terminated under false. pretenses. What was the false pretense? Um I started HR discussions about things. and then they didn't like that and they. fired me. Why? Um so there was unethical. work conditions and I ended up getting. injured. and had to. I slipped and fell in a concrete room. where our safe was.

And it led to me having a foot injury. for cuz I landed on my foot. I twisted. and landed on it and I was out. I was on. crutches for a month. And then had to still go to therapy for. like 3 months after. Now to weigh the. life part of this. Cuz you know, 26 is it the first job. you've been fired from? No, it's not. Okay. It's not the first job. Um I've gotten fired from.

one other job and it was at GameStop. How do you get fired from GameStop? You. put a safe code in for a robbery. That's. how. Yeah. Yeah. We got held up. about the Okay. Yeah, we got held up uh at gunpoint, but. like. right before the robbery happened, I. opened up the safe for my coworker. And then I left. supposed And they were like. you open it for your coworker? What was. that? Because he was busy dealing with a. transaction. And needed change for his till.

And I was like, "Hey, I'm leaving. I. worked Black Friday all by myself.". Nobody was here to help me with. staffing. Okay. And. so I was like, "I'm going to leave early. today." Why did you leave it open? I. left it open so he could take the change. out. He can't open it himself? It's on a. delay timer. So I just was there when the timer had. went off the second time. then they came in with guns. And then. they They were already there. Did you know? They So no, I didn't. So. they It was two teenagers. They were.

already in the store looking around. Mhm. Um. ended up um. they were kind of waiting for an. opportunity for all the customers to. leave. And when the one other customer in the. store who was a pregnant woman had left, I had also left after opening the safe. for him. I was like, "Hey, make sure to. shut it. when you get your change for your till. I'm going now. And. they thought it was fishy that I opened. the safe, had then left, and then like It is.

weird. Yeah. Uh. got fired? Yeah, so I got fired, and. they were like, "Oh, these teenagers. just opportunity attack." And before we. go victim, I want to know what were the. unsafe conditions at this job that you. complained about. So, You slipped on. concrete. Yeah, so they didn't have um. It's concrete in a lot of places. Yeah. I not that I'm saying you should get. injured or would be injured and like, but you know, it was slipping on. concrete can happen is that the. workplace's fault unless there was water. without a wet sign? So, it was um.

when that injury happened, it was. raining and they didn't have any mats. inside the room, Mhm. um which security. had even notif- like noticed that was an. issue, and like the very second I got. hurt, then they were put mats in the. room Mhm. to amend the situation. Sure. Um the un-. ethical work conditions were that they. were revoking things like as heaters, and we're outside. Um heaters for like. under like 30° temperatures, they would. still have us outside. Um they removed. umbrellas.

Um they were making. and you got fired? We The whole staff. complained, and like this was going up. to the CEO. were you only fired? Because I started. the HR meeting about it and pulled up. emails about how our management was. talking. an HR meeting? Mhm. I like requested HR. to talk to me. Yeah. And then I had them. um I had given them emails from our. upper management. only getting one side of the story. It. really is. No, and I gave them I gave.

them emails um. from our upper management pertaining to. like conditions they had us in a ticket. booth that had mold in it, Mhm. in which they renovated after the. HR meeting, and were like, "We're fixing. everything.". storage unit know you've been fired. twice? Yeah. What are they Okay. They're okay with. that. Okay, Well, 15 bucks an hour. Yeah. 30 30,000 hours a year in Dallas, that's hard. It's better than unemployment right now. It absolutely Well, it's you know, well, being able to contribute something in. general is pretty good. And I would always highly encourage that.

and you know, try to make a career, try. to make progress, but you're maxed out. on all your debt. Yeah. And it's also. You're maxed out on all your debt. When. What huh? It's not my only job. Oh, what. what else? year starts, I'm a substitute teacher as. Okay, so that one's up up and down, right? Yeah. Okay. Especially when you're committed to 40. hours a week at the storage. Yeah. So, how did you get into all this debt in. the first place? And we're about to get. into it. Well, what is happening here because. I haven't had this much debt at least in.

a few weeks. Mhm. In terms of like maxed. out. Yeah. Um. so, it started It started with the bad. relationship. Um. I was leaving. Yes. What bad relationship? It was one. like eight years ago. That's when a lot. of my credit actually started, too. Okay. Um. I was pretty much giving like 75% of my. paycheck to my ex. What the Why? For.

rent. Oh, okay. Was that giving it to. your ex or is that just paying for rent? We were living in his parents' home. Yeah. So, collecting the rent? His parents. So, it was their fault or. was it his fault? It was more so his fault. So, he He was. a mechanic and he made 26 an hour. flagged. or not flagged and then he would make 32. an hour flagged. So, when he's working. on something versus when he's not.

working on something. And I was making. only $13 an hour. So, why were you paying. such a substantial portion? Because I. was dumb. And I thought, "Oh, okay. Well, this is. 50/50 of what the bills are. Yeah. So. that's fair. I wasn't really thinking of. like he's making so much more like Well. sure. Well it's weird that first of all. went to his parents so much. What was. the rent? Uh they were charging us 1200.

and then we still had to pay utilities. To live with them? To not live with. them. It was their old like their old. family home like their small family. home. rental unit. Okay. But they were the. landlord. Okay, well that's different. I. get that. Splitting 50/50 can be. considered fair. It's not equitable. Yeah. But it is equal. Yeah. And that's how I saw it was like, oh. we're 50/50. It's okay. I mean I wouldn't be doing that as the. boyfriend to be completely honest. But I. can at least see it. I understand it. Yeah. But how does So 75% of your money went.

there so that's why we're sitting in. tens of thousands of dollars in debt? So. that started. that started um my first car, the one. that I have had for the longest that. JCPenney card. Mhm. Um and when. um. when I. did that I had to like move into a. storage unit and stuff like that. Pay. that. You lived in a storage unit? Or I moved. all my stuff into a storage unit. The. stuff I could take with me cuz he kept. most of everything. Um including furniture and everything I.

spent. Um and so the only really thing I. had to my name was the start of my Funko. collection. Um A a what collection? A Funko. collection. I don't know what that is. So they're vinyl figures. They're like. little vinyl figures. They're. collectibles. Um I started that in that relationship. and then when I moved to my next. relationship I unfortunately spent. during COVID probably like like the. start of COVID like $3,000.

$4,000 into that collection. Okay. On credit cards? Uh out of my like. paychecks. Excuse me, what the are we talking. about right now? So, how did you GET. INTO THIS DEBT? THAT WAS THE QUESTION. OKAY, so because of of that I would put. things off. Oops. I would put things off and then would. put them onto my credit card. So, like. just small things like gas, food, stuff. like that. And I would put it onto. there. Because I spent so much money and do. other things that.

Okay. And what's your living situation. now? Is it better? Uh, yeah. I guess. Yeah. I'm not paying as much into into. utilities and stuff like that. Okay, are you living alone? Are you. living with a boyfriend again? Uh, living with boyfriend. Yeah. Yeah. Okay, you're saying it very weird. Um, it's kind of a very weird dynamic in. that relationship. Uh, it's kind of fizzling out, kind of.

Yeah. How much longer is the lease if. it's fizzling? Are Are you guys. Have you guys essentially decided that. you know, in the future it's done? We've had conver- We've had. conversations. Okay. On and off again. And it finishes in. April of next year? And you guys are basically done? So, what the is. So, you guys are living together through. Or someone going to move out and. someone's going to get financially Or. even both. What's this? Probably me. getting moving out, probably. Yeah. So, you're living with someone that you no.

longer like. Okay, at least in that way. Is that awkward? Sometimes. It's always a discussion of like, is it. working? Is it not working? And what's it What's it What's it you. What did you mean it's a little weird? Was it just a relationship part? Or is. there like a financial aspect or what? Financial aspect. Um, just because So, he pays for the rent. Okay. Um, and I only pay for utilities. With.

what's weird? His His no most times is that he can. kick me out whenever. If because he pays rent and he's head of. lease. I'm just an occupant. So, there's always that. Okay, so it's a little weird. Yeah, so. it's a little bit more of like a power. thing. So, he kind of holds it over my. head. Power dynamic? Yeah, so he holds it over my head that.

he can Power dynamic is an interesting. conversation in our culture today, that's for sure. This one actually. sounds like what people when people cuz. people just throw that word around and. it's lost all of its meaning at this. point. It sounds like you actually have. something that is real and substantial. cuz people. say the existence of a power dynamic is. bad. That's not how this works. Everyone. Everyone has a power dynamic, you know, I have a power dynamic over every. employee. You stand next to someone. that's taller on the street, they have a. power dynamic stand next to someone.

who's stronger. A teacher has a power dynamic over a. kid. Parents have power dynamics over. children. Power dynamic is in every. single situation, every part of life. Power dynamics inherently are not a bad. thing. They exist in every part of the. world. What's bad is the abuse of a. power dynamic. It's saying, you know, if. I were to say, you know, ah, like if I were going to abuse a. power dynamic here, it'd be like, oh, you we're not going to we are not going. to film this episode unless you do this. terrible thing or you know, here's this.

opportunity, but you only get it if you. do something bad. That's an abuse. A. potential abuse, the boyfriend situation. is him saying, I have control over you. living here and if you don't do this. this way, you're not going to live here. anymore and that is an abuse of a power. dynamic. The inherent existence of a. power dynamic is not necessarily the bad. thing. It's the abuse of it. Our culture. people use words for every single. situation and they've lost all power. because of it and it's really annoying. So, that is correct. You are using it in.

the correct way, which I appreciate. So, okay. I mean, that's kind of Does he. utilize that quite often? Um. Cuz we're only hearing your side of the. story, I'll be honest. Um. if I don't put like the forefront of. like. of like being like I guess the housewife. of like coming home and like, "Oh, hello. How are you? Let me take your. things." and. essentially, it sounds like. So, Yeah, but if I still don't do that on. and like Tuesdays and Wednesdays are his. days. I have to spend I have to spend.

with him. Yeah. But you guys have decided. Yeah. So, why the That's weird. Yeah. Um. holding that over your head, the living. situation for that? It's come up a time. or two. Um. So, if you're not a little housewife on. a Tuesday and Thursday or whatever you. said, if if he gets to the point that. he's boiled down to like, "Why do I even. keep you around?" It's. Cuz you Cuz I mean, you guys. were on a lease together and, you know, still probably technically are, but.

like, you know, if it's fizzling and you. guys have kind of had that conversation, like, I don't know, just be a halfway. decent person. Yeah. You know, cuz you. you know that the lease is meant for. April. And if it is a move out type of. situation, you know, maybe it's like, "Okay, like 4 months or something." you. know, something to help. Are you okay? I see some tearage happening. I know that it's tough talking about. relationships like this, so. Yeah, no. tissues over there if you would need. some. Um yeah, it's it's kind of weird.

sometimes. Yeah. It's an often an argument that like even. my friends have kind of heard over. over call and they're like, "What the. heck's going on? Like, why is he. doing that?" kind of a thing. And it's. just like, "Oh, that's just kind of how. life is right now." So, a really. exciting thing that you guys should be. thinking about is we now have all these. extra things with our YouTube membership. program. You can sign up for our post. show. We talk about extra drama for the.

episode that we didn't have a chance to. dive into. Why would I want more than. one fur? I don't even want one You don't. them. You just touch them and you. move on. I want to do that again? Because it's. fun. Is that? And it's wholesome. You're good. Easy, bro. How is Caleb as a lover? I. would give A SOLID NINE. WOW! HOW DO YOU. get to a nine? I just don't know how to answer that. because I mean I just do. I just do. For the upper tier memberships, all the. people from the crew from over there, they come together and they make a crew. cast and they talk about behind the. scenes content and how we do everything.

here. Like I don't want to contribute as much. because I'm already so much on camera. That is the greatest thing I've ever. heard. Twice a month, Noah and I come here, we. have a live stream with you guys and we. hang out with you, we answer questions, we chat it up, we talk about the show. We just have a good time. Caleb reads that book every day. I. actually wake up and then I goon that. book in the goon stream. And then most exciting, right here at. this table with even more pie charts, we. have an exclusive, uncensored, and free.

financial audit episode for the top tier. members that no one else gets to see. anywhere else. Consider joining because. ad rates are always up and down and. we're trying to build something great. here and I wanted to make sure to. provide the best content and the most. amount of content that's ever been in a. YouTube membership. Link in the. description below. I mean you were on. phone calls calls with Noah and you. probably heard uh overheard me whipping. him cuz I'm like, "Get back to work, you producer.". So, I get it.

Uh yeah, no. Like and it's so if I'm ever on call, I. always quickly make sure to turn my. camera off and mute my mic cuz I'm like, I don't know where this is going to go, if this is going to be a good. conversation or a bad. How often is these explosive arguments? Um. kind of every other day. Oh, that's too often. I would want to. get out of there anyway and at that. point. I was looking for a job. Well, so okay, so it's yeah, depending. on getting some income. How long were.

you in between the last job and this. job? Um so got fired in May, got hired. last week. Okay, so you definitely took. some time and then you could have gone. like a McDonald's or something by then, but Oh, I applied. How many a day? I applied. um. a day on average. Five at least. There were some days that. I would apply There was one day. but There was one day I applied to like. 30 places. Yeah, it's difficult. I mean in the fast.

food. it's not this episode, so I don't have. the openings, but there were hundreds. and hundreds and hundreds of fast food. openings in the Houston area that we. checked the other day. And you know, they have openings, they're still looking for places. It's. the service industry that is still not. even come close to catching up to. pre-pandemic levels, which is why. there's like nowhere that's open 24. hours anymore and it's really annoying. So. Yeah, but I get it. I mean there's also. potential resume issues, potential. availability issues. So you never really know.

Okay, well, I'm glad you are starting a. job and then substitute teaching once. the fall comes around. Let's jump into. these these monies real quick. Um. and then we'll kind of get back to some. of that stuff and address that. Okay. This Well, I want to self-assess. Zero. out of 10, where do you think your. finances are? Zero being the worst, 10. being the best. What do you self-assess? Three, okay. Want your Hammer Financial. Score? It's free. Description below. If. you have any interesting stories or. interesting financial situations or.

world views you want challenged, anything interesting at all, and you think you would be, you know, good to sit in the seat where she was. brave enough to be today, feel free to. apply to be on the show at. CalebHammer.com/apply. Discover it. Yes. Everyone loves getting a Discover it. Okay. We're sitting at $5,597. And 85 cents with a $150 minimum monthly. payment. How are you paying these without income?

Unemployment? Unemployment. Okay. Cuz it looks like you're at least not. late. Yeah, you made a payment. Never been LATE. OKAY. BUT WHAT WHY DID YOU GO AND. purchase on a card? Buddy, this is over. maxed out. THIS IS OVER MAXED OUT. $5,597. is already aggressively insane for your. income situation. Yeah. But you're over. maxed out cuz the the credit line is. $5,500. So you are already over that. How did you go and purchase $7.74. anyway? While it's accruing $129,

while you didn't have a job, didn't have. an income, were only collecting. unemployment, could only do the minimum. monthly payment, and you're over the. credit card balance, and interest is. accruing. Why the are you. purchasing? What are you doing? How does. that help your situation in life? It doesn't. Then why? What were we. doing? I think it was gas or something. I'm not. sure what it was. It was eBay. It was. eBay. Were you getting some gas on eBay? No. Were we getting some pop heads or. whatever? Uh it was a birthday gift to somebody. What? Um.

What's your relationship with them and. what was it? Um it's a. It's a person that I. has helped me through this current. situation. Um What does that mean? What. What the. Mhm. Can we cut that? Sorry, I should not. have mentioned his name. this is Yeah, no, no, no. We'll cut. We'll cut We'll bleep his name. We'll. bleep his name. Okay. But I'm confused. with your Um saying. So. it's a person it's I'm.

I met them in April when. kind of everything started going. downhill. Or after everything started going. downhill with my current boyfriend. Um. and they've kind of been there. as like. this like a new friend? Possibly. Yes. Oh. I get it. I get what you're putting. down. And they've Oh gosh. Yeah, they've um kind of helped. keep me sane. Like they've introduced me. to a friend group that like Friend.

group? So they're in Dallas? Friends. No. So Oh. everyone lives. across the states, which kind of sucks. States? States. So this is all virtual? Yeah. Virtual we can be okay, but there. is that lack of There's a little bit of. a lack of connection that you get with. your in-person friends. Yes. You know, like tonight I feel like uh my. friend group, like all 10 of us we're. just going to sit in a circle and we're. going to goon for like 50 hours. It's going to be It's going to be. wonderful, but we get that connection. We get that connection with each other. Oh. Uh.

but virtual gooning is okay. Virtually. gooning is okay. Yeah, if that's what. you guys do. Okay, well uh. not all the friends. Um. so my. So the the person I met lives. on the West Coast and he introduced me. into a friend group. Um How'd you meet.

this? Playing Lethal Company. Lethal Company? Assuming this is a video game. Actually. I've never heard of it, but No, it's. Content Warning. We played Content. Warning together. It's a video game. Is. that also okay? Yes. Uh we were playing Content Warning. I. was playing with my siblings. My. siblings got off. I stayed for one game. with randos. What does current friend. think of new friend? They don't like them. They very much don't like them. Okay. Have you met new friend? In person, no. I had originally planned.

to. Yeah. So when I was still working at the old. job, it was planned that in June I was going. to like. it like we were still just like. getting to know each other friend. friends. Um. and we just like oh, your birthday's. coming up in June. Like what would be. totally cool meeting each other in. person cuz we had like video time and. like stuff like that. Um. and. then.

I got fired. Which kind of hurt. Yeah. And like that. was like the one of the biggest things. that. I kind of cried about. Um. So, that got put off and then. things just kind of got harder. Um. and so like we play. we play games and like chat or whatever. every night. And. then we had finally we've come like.

we planned that in November that we were. going to This November? Yes, this November. That I was going to meet Oh, you don't have any possibly. possibly. It was still kind of up in the. air. It was. I. wanting this to happen like was going to. try to save up, get everything paid down. and then. What a part of what a what a reason old. friend doesn't want you to live with. them is because of new friend? No. Okay. Cuz I would feel like that might.

be the only valid No. reason. Okay. No, cuz that was that was things before. anything. Did you guys sign the lease when this. was happening? Cuz the lease ends in April, so I'm. assuming you signed like it around in. April. Yeah, March was when things. started happening. We're working on. things. And we signed in April. knew things were fizzling when you. signed? Thought it could work. Okay. Okay. That's. her excuse.

Yeah, 4 years old so. 4 years? Okay. So max out credit card, yeah eBay. gifts for new friend. Yeah. 27.24% interest rate. Okay, and. it's over maxed so. I would I don't know how you would. afford a plane ticket anyway. Maybe new friend comes. Or gas or food or hotels and That's. true. Maybe new friend visits here. Um. So how November was going to work was.

going to come here. and then we were to drive to our. other friend who is the reason why we. were wanting to cuz she wanted everyone. to come down and she had offered like. hey place to stay. So that was kind of. on the table. of like paying for place. to stay was we don't really have to cuz. we're just going to stay with her. Okay. Um. Cuz you wouldn't want new friends. staying with old friend. No, they'd probably kill each other. Yeah.

Um. but. we were going to go to Arizona. And then just kind of hang out for like. a week. I would get to meet everyone in. person cuz. I've only ever really known them this. entire time online and. current. situation. partner like living um they thought this. was a stupid idea when I brought it up. cuz they're like these people could. abduct you. I'm like. I have probably a better time with with.

them than That's fair. Okay, well. we'll figure that out. Let's get through the finances. Uh. it's still the choices in the end, you. know? that. uh have gotten us to this point. Yeah. And whatever we're choice the choices. we're making in the future whether it's. that or you know whatever else we talk. about. This unfortunately is involved in that. because again, this one's borderline. maxed out. This time you're not over the. limit, but you're $46.

away. You're at $1,954. on your Chase Freedom. And a $67 minimum monthly payment. Again, this these minimum payments are. going to stack up for your income of. 2,600 before taxes that come in. And you just made the minimum monthly. payment. Thank you for not purchasing. $48.14 of purchases. But the credit. limit on this is 2,000. Yeah. So you're like at that peak. I'm sure you were there just recently.

You had to have been. You're only. And the interest is really high on that. one, too. Yeah. Which is why I think me just making the. bare minimum me making the minimums. Minimums you it would take 9 years to. pay off and you'd pay a total of $4,792. on the $1,954. And you're only paying the minimums, so. Yeah. Let's look at your income versus. spending. See how that relates to the. cards you have and. what you've been doing with your debt. So, total income.

Well, there wasn't really any. There was. a little payroll of $382, but you said you had some. Oh, there's unemployment $777. So, combine those together. Like a thousand Yeah. 1,100? I think just enough to pay the cards. What was the ATM deposit of? Uh total 572. across the month. Um so one of them was me helping out my. like an actual friend that lives nearby. Mhm. Um he was having issues with his ID.

and stuff, so I had to put his money. into my bank account and then transfer. it to him. Oh, okay. Because I can't even count these. Okay, so 1,100. What do you think was spent? Probably mostly food. What number do you think was spent? Um. probably 800 of No, like 500 of it to. credit cards. The rest were s- Total. number. Total number. Total number. Okay. What do you think was spent?

On Everything across the board. How much. money do you think you spent? Probably. over, like $100 over, somehow. $100 over. what? Over what I made, cuz I done. Okay, so you You made 1,100, you think. you spent 1,200. Yeah. Okay. 2,620. Okay. So how are we. living off that? Like we're not going to. live. There's no future there. You're. not going to be have independence from. Old Friend with that, you know, in a. sketchy situation where you could be. kicked out at any moment. Yeah. There's no independence from that. There are going to be some personal.

choices in here, sure. There's probably. coping mechanisms. I get that, but there. are still safety things you need to put. in place for yourself. in this situation, yes? Yeah. Okay. It's mostly miscellaneous Out. of your entire purchases, it was 30%. goes to that. Going out to eat was. almost 9% Yeah. of total purchases. And just as much as your housing. All. right. Um so kind of The reason why a.

lot of it's weird with the current. situation and what I'm living in and. stuff and dealing with is that um. boyfriend liv- like that I'm living with. uh. It's called boyfriend cuz family. Um he plays almost as much, if not more, with my family members. every night. Plays video games? Video games, yes. So they play Fortnite. with my sister and my brother. What? Are. they in Dallas as well? Yes. And so like.

they'll play video games pretty much. every night and there's been times where. I've had to hear them talking about me. over. Oh. Yeah. Sometimes it's like. talked to them behind the scenes at all? What's happening? I've tried. Um And? They always kind of take his side like. that Oh, he's just lonely. You should. just show more affection and stuff. You. should. Okay, but I mean if you guys have. decided that it's fizzled, like why. would you have to be for someone that. it's fizzled? Cuz Like I get it if we.

were trying to make the relationship. work. We were and it's just kind of. gotten to that point of just like this. is just how life is for me. I've I have to I have to play the show. monkey. It's going to be inappropriate. Uh-huh. But I'm very forward and candid. Yeah. Uh now that you guys are potentially not. you know. anymore.

But he holds this power over making you. live there. Mhm. Does. have say in things. If it's pertaining to me and myself and. how I. But does he leverage that position for. different naughty naughties? No. Okay. That is I will say the one thing that. Cool. is good. Good. I appreciate that. Yeah. And I appreciate that he doesn't push. that further as well. Yeah.

Okay. Synchrony. Mhm. Gosh, this is such a complicated. situation with the family and. everything. Mhm. They have It's complicated. It's Okay. Give him more attention. I I'd get it if. you guys were trying to make it work. Well, that's what they think. Oh, they. think you guys are trying to make it. work? Yes. Uh well, I don't think they think. that anymore. Yeah. So, weight off your.

chest though, hopefully? No. Oh, no? They'd probably pick him over. me. Not in the end. In the end, why do you. not have a good relationship with them? No, I do. It's just. he gets along with them better. I get I. get that, but then you're still blood. I. feel like if, you know, my brother was. friends with someone I was dating, I was. like, "Okay, we're done.". Okay, well then your relationship's not. great with them. I asked if that it was. and you said it was fine, but. I mean, I I. I say it's fine. But if you guys call. each other half sisters.

No, no, I'm saying like we've we have. another sister that we've cut off. completely from the family. For what reason? Oh, yeah, she's a mooch. Okay, well that's a different thing. Are. you mooching? No. Are there things I. don't know about here? I feel like No. Play devil's advocate for a second. No, so. Like be honest with yourself. The closest thing to mooching is like. borrowing. mooching itself. I'm just talking about. why they wouldn't be on your side. I. just.

I don't know, over the years they've. they've said like such negative things. about me that I'm just like, you know, they probably pick him over me. They. never have anything bad to say about. him. Listen, if if if the people around you. are just always negative and. unfortunately sometimes this is family, sometimes they just don't have to be as. big a part of our life anymore as we. wish they could be. Yeah. And that's. really hard. That's an incredibly. difficult thing to do. But sometimes that's how it lands. Synchrony, $914.66. Great, with another credit limit of a. thousand, so we're basically there.

again. $35. $30 minimum monthly payment. I'm sorry. You put 35, maybe that was the minimum. at that point. Or that's CareCredit. 40. CareCredit, sure. Uh yeah, under Synchrony. Okay, so and. then $4.40 of interest. Yeah, that was. 29.99% interest rate. Yeah, that one's medical emergencies for. my dog. She decided to cut herself open. This is why, and I know some people are. against this, but pet insurance has.

personally saved me so much money. She. has it now. money. Oh, okay. This one, this. happened, she didn't I had just taken. her off of it maybe 2 months. Huh. And. then. that's exactly when it would happen, right? to tear open her chest, wake me up with blood all over me. Yeah. And so I took her to the emergency vet. to tell her not to do that next time. Well, is she healthy and alive? Yeah, she's she's a very fat pity. Okay, well, you know, put her on a diet. Right? My dogs aren't that fat.

She's healthy. she's like she's in her like weight. range. Okay, I was going to say there's really. no such thing as a healthy fat, but if. she's in her weight range Yeah, she's in. her her weight range. She's just chunky. to me. Ulta Beauty, how much Ulta are you. getting? What are you? Mhm. You purchasing on this one even though. this one's accruing interest? What is. this your addiction? Is Ulta are you Ulta-ing every second of. your life? What are you Ulta-ing? That. So did your $175 you went to $302. This. is further from the credit limit of.

$1,000 on this one. But why are you. purchasing $161 on a thing that you're. only paying the minimum monthly payment. towards and it's accruing $8.76? So. we doing that with Ulta? That one I ran. out of my unemployment and so I had to. get. things that were like. toiletries and stuff and. my hair shampoo stuff. I It's been It's. been a lot. It literally was shampoos and body. washes. I'm not seeing the purchases.

Oh, Ulta Beauty store, $161. I can't see. what that was. Yeah, it's it's shampoos. and body washes. Okay. Expensive. toiletries. So you have $302.38. on that and you have a $30 minimum. monthly payment. These are stacking up, let me tell you. $150, $67, $30, $30. And if you if you need to live on your. own, that's going to be That's going to.

be hard. Dallas isn't one of the most expensive. cities in the country, but it's. definitely not the cheapest, either. No, I've I've asked my parents um. when the last time it was kind of held. over my head about the living situation. if I could live with them. Mhm. And they said, "You'll have to give us. some time to clean out a room for you.". long's the time? Indefinite. Until they decide that like. want you to. No, they're okay with me. living there. It's just my mom is kind. of a hoarder.

And she my My dad and my brother would. have to like essentially take over her. hoard that is in my old bedroom. to be able to let me move back in. Cuz she She kind of. put it all in there instead of around. the rest of the house cuz my dad gets. mad. Listen, I don't know. I'm not like I. don't really like the dollar store cuz. usually this is worse value for money. Yeah. Cuz you get smaller sizes and like the. per ounce or whatever, you actually get. a little less. But if we're literally.

unemployed and have no money, we're not. getting unemployment, we're not getting. income, getting dollar store shampoo. instead of spending $161, that's kind of. stupid. Yeah. Like especially on a credit card that's. accruing interest that you're only. paying the minimum monthly payment. towards cuz you have no money. So, in. what world does this make any sense? Doesn't. Then why'd you do it? At the time, I thought it would be fine. cuz I was about to get another paycheck, so. I was like, "I'll pay it off." And? It's. back down to 100.

I think. 100 something. 100 something? 100 I think it's a back. to the original. I think I paid off that. purchase. So, 172? Yeah. All right, 172. for this card instead of 302. Okay, this is a JCPenney card. Wow, you. have all the store cards. Okay. You. getting a JCPenney? That's the one that started it all. That's my longest. Started it all. That's my longest credit card. of 8 years. That's the one I started. putting my.

storage unit when I moved out from Yeah. a previous relationship that was kind of. getting toxic. Okay. So, okay. I didn't say never. Trust me, I'm not I'm not I don't want. to accuse. I'm not. But, allow me to. just play a little bit of skepticism, devil's advocate that I'm historically. terribly known for. If every relationship has been toxic. that we've had to flee. Okay. Well, all the ones you've talked. about so far. Just my adult ones. Okay. Well, I think those are the ones.

that count, not the ones when you're. five. No, like. With another kid on the playground. like high school or like first year of. college is very different. That Okay. Again, I'm just I'm just like it just it. brings a little bit of skepticism. Not. in that I don't believe you, but in the. I feel like I might not have the full. story. He cheated on me in that one. Yeah. That's bad. Don't do that. Yeah. Yeah. 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. This is my only fear and again, the. cheating that's obviously not your. fault. I I want to be very clear. But, if we're a victim in every single. situation and every part of life, we're. never going to get anywhere. And that's. just the only thing I want to call. attention to. It's like don't be a.

perpetual victim. Yeah. Not that it excuses any of that bad. actions or any abuse of power dynamics. It doesn't excuse. But, if we're always a victim, then we. will always be a victim. Yeah. Cuz. you're just, you know, we're just going. to be repeating Okay, well, again, not. that those are bad. I need to be very clear in what I'm. trying to say, and I'm not the best at. that. $3,059.89. is what I owe on JCPenney card.

Again with the purchases. You're now now. you're self-inflicting victim on this, at least on your debt. Yeah. With your expensive shampoo. purchases on here, getting uh. that. eBay on the first one. Yeah. So, you. paid the minimum. Then you accrued $81.78, which is insane, cuz why would you. purchase a $9.73 purchase on here that's. accruing that much interest? You. basically negated the whole thing. Your. balance barely went down even though you.

put $109 towards it. You're just hurting. yourself. I think I have subscriptions on there. You'll make yourself be the victim by. continuing to be a part of PlayStation. Yeah. You're a victim to your own. spending habits and lack of discipline, and lack of maturity, and lack of just. growing up, lack of budgeting, lack of, you know, anything. If you're going to. use the card, you got to be responsible. You got to use a card like the Fizz. card. That is the kind of card that you have. You know, you you put the money on it, you can only spend a certain amount, and.

you have to pay it off on a monthly. basis. You cannot take advantage of. these unlimited money swipe cards. You're spending over your limit on that. other card. You need to do things in a. responsible way. Now, obviously, just like any guest on. the show, we're going to put you through. our budgeting program, and go through. it, take the quizzes, go through the. whole thing, follow the spreadsheet, build your budget, stick to your budget, go through the education, same with the. investing one, even though you're not. there yet, but go through it eventually, but I will say the PlayStation is kind. of how I kept in touch with my friends.

for a little bit. What, no Steam? I I Steam now, but. the PlayStation. Yeah. Cuz you said used. to. So, okay, used to is in the past. Why would we still have it now if it's a. used to? For nostalgia? To be like, "Oh, I saw that PlayStation charge. That's. how I used to talk to my friends. Ooh.". No, I think I just forgot about it. Okay, no more forgetting. You don't have. money. Yeah. Okay. I also no more getting fired, either. Yeah. Try not to do that.

Uh. What are all these? These are like. little Affirms? They're Yeah, so one's Affirm. I think. the other one might be Carvana Car- Car-. Carvana? I don't remember how to. pronounce. pay these minimums to pay them off. I. mean, this is stupid. You're doing like. a four payment on like a $33 purchase. No, that's how much is remaining. It was like a hundred and something. dollar purchase, and that's the minimum. TikTok Shop? TikTok Shop, I refunded that. They gave.

me some garbage. Shein? Uh yeah, I have So, $88, $33. These. aren't huge. But, you're just allowing What sucks is. your minimum monthly payments you're. allowing just to just skyrocket. Just. keep paying these minimums and pay them. off in four, close these accounts, never. open them again. Yeah. I I I can't This. is insane. $45 owed there. 45 Oh, okay. Um. No, no, no. 45 for Did you just pay in.

four your I go payment? Yes. So, your I. go payments already split down from. having to pay it annually or quarterly. or bi-annually Chase, they allow me to. split it into four. payment? So, I can have insurance on my car. Oh, I got I know why you're paying for it. Just to be in this position, you're just. making it worse for yourself. Any. interest on them? No, so those they don't have any. interest. If you don't miss the payments. If Yeah, if you don't miss the payments, and I've. been really good about So, you're paying.

them for Walmart, Target, Geico, Geico. Uh okay, so you're. Wow, so this is what's happening. Your. last GEICO payment, you paying for, now. your current GEICO payment, you paying. for. You're paying both at the same time. now. Yeah. But this is going to catch up with you. Yeah. It's starting to catch up with. you. So, the reason. I'm not going to put these in your. budget cuz I just pay them off and never. do it again. Yeah, so the reason I did. that was cuz that I think that was right.

when I got fired. And so, they. the place I got fired from, they didn't. want to give me my PTO and like I had to. go in there cuz I had like Do they owe. you PTO after you're fired? No, so if after a certain year, like a. certain time, they would pay you out. your PTO, a certain amount of your PTO. And. fired, or you mean if you don't use it? Yeah, yeah, but but I didn't use it. If. I didn't use it I was fired. Um Okay. They. What ended up happening is they fired me. just shy of a year with them. And so,

they tried not paying me out it because. they fired me just shy of a year. Um I went in because I was like, there's. no previous reports. So, they fired me for. um they tried firing me for. I think it was like like a harassment. policy. Okay. And I was like, there's no previous. I. was like, can I have the reports then? Like that led up to this termination. in this is an at-will state. They really. don't like I mean But that was the. reason they gave me. find you to be a good employee for the.

company that they run, like But that was. the reason they gave me for getting. terminated. Sure. And so, I was like, can Maybe to appease. you. Yeah, I was like, so can I. But you're not entitled to it. And yeah, and that's what they told me. I was. like, well, there's so there's no notes. or anything that I can have saying as to. why I was fired for breaking the. harassment policy. get what you're trying to do, but they. didn't it's an at-will state. If I didn't want no one to work for me. tomorrow, I'd just tell them they're. fired and I don't have to tell them why. so, it's like the whole back and forth, they eventually paid me my PTO, but they. paid it like 2 weeks out. So, at the.

time I didn't have enough money for my. insurance and to also get groceries. And. so, I paid for my insurance so I could. get groceries. because I was still getting groceries. for the household. So, you're fired in April, May. So, you had June off and now you're. starting to work in July. Okay. Cool. How long did you live together with. this dude. in this place? In this place? Were you living another year? We've.

lived in. our we've lived all four years we've. been together. And you were just paying utilities? I. would Yeah, I was paying utilities and I. was paying for groceries and. Well, that can be minimal. Yeah. So, no. offense, but your living expenses now. are low. Yeah, they are low. Your income's always. also been kind of low, but. your living expenses are low compared to. the average person. The fact that no. progress has been been made on this debt. is inexcusable. The unemployment part. kind of. I can understand that for a bit.

if you got fired. Uh and then you're on unemployment. Okay. Sure. But, the years and years and. years leading up to this just screams. irresponsibility and immaturity with the. management of your finances and your. spending and the lack of paying off your. debt. So, what has changed today? What's. different? I just don't want to live like this. anymore. I think the pressure's on you. cuz you know you might get kicked out of. it any moment or you want to leave. It's more of a want. Yeah. That and then like. I've seen how bad like my parents'.

relationship was With finances? Yeah. Are they together? Yeah, they've. been together for 30 years. So, it got better. You used the word. was. Recently. Okay. Yeah. They So, growing up they were very. much how my current relationship is. in my situation. They were always at. each other's throats and stuff like. that. But, they were also low income and. were they are very severely in debt and. um. they hate life and I don't want to be. there.

So, what's different? What are you going. to do now? You don't want that. So, now it's time to put on the big boy. pants. Yeah. Yeah. What are you going to do? What's. different? Mind you, your debt is basically your yearly. income. It's $28,000. Yeah. It's more than you make a year after. taxes. You're about to. So, what's different? Cuz listen, here's. the thing. You're living on. unemployment. We're about to go through your spending. and it's.

You weren't using unemployment to. survive. You were using unemployment to. around like a child. Things haven't changed. Yeah. Things better change after this. conversation, but things things haven't. changed. Not at all. Yeah. Not to this. very second. Nothing has changed. Doing the paying for, doing the paying. for, there's only $18 in the checking. account. Uh affirming, paying for, paying for, is Zelle and out $140. Spotify, you can listen to ads literally. cannot live. I promise. Uh trust me, I. have Spotify Premium. I like Spotify.

Premium. You can't afford to live. Ads are okay. Okay. DoorDash. How. dare you? Honestly, how dare you? Like, uh yes, a lot of there are a lot of. things in this conversation where the. world is against you and I am again not. against those, but you have played a. victim a lot and self-inflicted on a lot. of your spending and then you think you. can get DoorDash Premium. Well, on unemployment. cuz you can't survive and you are not.

able to get your own place. You're. applying to a couple jobs a day and you. get DoorDash Premium. No. So, it's a. reoccurring charge that I forgot again. It's called Listen, laugh about it all. you want. It's called growing up. Be. responsible. and looking at your subscriptions. Yeah. It's looking at subscriptions. It is not. the hardest thing in the world. It is not difficult. YOU LOOK AT a bank.

account and you look at what were the. last what were the purchases that. happened. Oh, look a reoccurring charge. Let me cancel that. Open up DoorDash and. cancel it. That's what an adult does. Yeah. Just kind of looking at it. Plummets to the mood. So, I try not to. look at it. I try not to look at it just. cuz. care if it plummets the mood. No. offense. I'm not going to allow you to. play that game. I don't give a. Listen, I don't give a if it. plummets the mood. It's going to.

continue plummeting the mood even worse. when you're put to a point where you're. homeless, you know? Or you have to move. in back to your family. I'm sorry. Like yes, I it's emotional. I get it. I. I support the emotions. Feel free. But. I will not accept. oh, no. It brings down the mood. Looking. at the bills. Uh that uh-uh. Yeah. No. Like. with that. We're That's not how we live. life. Ostrich head in the sand is not.

the way to get through life cuz. eventually this gets so bad where you're. going to be put in a position that you. cannot get out of other than bankruptcy. and you're going to destroy your credit. for basically a decade. You know, so that because it brings down the mood. is nothing. Your mood is going to be so. far down in the future when you're. pushed to that breaking point. So, this. is the moment where we allow ourself to. have a little bit of discomfort a couple. times a month by looking at our checking. account. Yeah. That's not an option. You pay for.

Snapchat? What the. No, I think. It's 53 cents for Snapchat. So, it's. it's nothing crazy. But what the I. wondered how that company still existed. Um that. Talk into the mic, please. That was uh. uh very stupid. It was. um It wasn't like an extra replay on a. snap, was it? No, no. So, I had. it must have been a great picture.

No, it's I honestly think it's stupider. Um, so we had a streak and. Huh? W- Y- You know streaks? Like where. you like send each other's messages? Yes, we had a streak. You re-enabled the. streak? On accident cuz I was joking. about it and then I left my phone on and. then when I went to open my phone, I had. to hit Right, let's pay for streaks. Um, no, it wasn't an accident cuz you. did it twice. Really?

Joann Fabrics, no offense, we don't. really have hobbies. when we're. broke. broke and can't afford to live. Joann Fabrics, Etsy, still, McDonald's, paying for, paying for, paying for, going inside getting into. going to Will Hoda's restaurant, Bath &. Body Works, just you're getting cheap dollar store. crap right now. If anything, you don't really need a. candle if you can't afford to survive or. smelly soap that goes that smells.

wonderful. Yeah. Paying for, paying for, Zelle-ing out 15 bucks. Okay. Okay. And I love the SoFi checking. account. I mean, there was honestly. probably an ad placement in here for. them. Affiliate, really, but. um and I really do love them. I love. them for their high-yield savings. account. I don't love when you open the. account and you get Taco Bell. You. DoorDash IHOP. First of all, IHOP's not. going to withstand 5 minutes in a box, so what the are you doing? The. fresh M.

I don't know, but that's DoorDash and. then J.C. Penney's. Those are all birthday gifts. Yeah, DoorDash-ing IHOP is a birthday. gift? I don't live anywhere near them, so I. have I have to DoorDash it. What do you mean? Do you have a car? I the friend in the other state with the. birthday. for them? I DoorDashed for their. birthday. No offense. Happy birthday. I'm going to. get out of debt so that I can afford to. visit you some more. How about that? Yeah. Like your life. Oh, this continues. Affirm. Fortnite.

What's the you got getting skins? What are you getting skins? What skin did you get? Uh You Peter Griffin? It's a recurring. charge. What do you mean recurring. charge? What is the recurring charge to. Fortnite? I thought it was free. What is. it? They have uh. pass type Yeah. Oh, kill me. You. literally you can't afford to live in a. place that that you want to get out of a. sketchy situation. Yet we decide to have. a recurring charge to the. Fortnite. Yeah. What a joke. McDonald's going to.

the store getting some bull. Uh. something tea royalty royal tea ninja. ramen and royalty. Oh my gosh. Uh Torrid. grace $30 there. Wendy's Card payment. $70 is a card payment. Car? Card. Like. my credit card to Torrid. That is my. monthly payment to them. Did I look at that? No. I don't. Yeah. It should be on the Synchrony one. Cuz it's it's Synchrony and then it's. also CareCredit. They're from the same. company they're under Synchrony. together. Not Torrid? Torrid is under Synchrony.

with yeah. Okay. Wendy's burgers. Donald's. Twitch. $21 Twitch. Recurring charge or donations? Yeah, that was donations. Okay, well that's. stupid. Donate to you being able to live. in a place with a person who's not going. to threaten to kick you out unless. you're a homely wife. Tuesday and. Thursday. Homely. I don't think that was. the correct use of that word. Uh at home. Home. Yeah. Home whatever. You know what I'm. trying to say. Parking.

Oh, this keeps going. How do you spend. so much money? You literally didn't have. a job. And you're collecting unemployment. Yes, you paid into unemployment. So yes, you. should be able to receive unemployment. It makes sense. You know, you paid into. the system. But even still, what a. stupid use of it. Milky. tomato, Milky tomato, Galaxy Toys. Oh, is that the bobblehead thing? Like No. Um. Coco Kuma, Hot Topic. Fan Expo, $83. That's a pop thing. And.

what does pop? Fan Expo, that one is um I got the money. I got the money in cash. So. 160 to Fan Expo. So I got the money in cash for my. birthday as like an early birthday gift. for me to be able to meet Neil Newbon, the voice actor for Astarion from. Baldur's Gate. And. you get the sh I got the money in like. in hand and like they told me to put it. towards that and I I told you to do. that. Family member that bought me it Your. family member, they're stupid. It. already sounds like they suck. Yeah,

well they they gave me the cash um for. me to go to the convention. They won't. let you go to the convention. They. prefer your uh. uh. thing guy. whatever over you. Like your family. We're not listening to the family. The. family has. rude. No. No. No. Actually be able to live on your own. life. So you spent 100. Oh, good. We're. getting more Fortnite. So there is not. just recurring charges cuz there's two. in the same month. Yeah. Unless we have multiple subscriptions. McDonald's, Jack in the Box, DoorDash.

and Starbies for $20. $20 to Starbucks. Joke. Unemployed? Uh-uh. Uh-uh. Sorry, I. can't allow you to play victim when this. is your spending for some of the stuff. you asked. But it was also to them. Stop yourself. Stop yourself. That's a kind heart move, but also dumb as Yeah. They got the money to. PlayStation Network, PlayStation. Network. So you're buying some games and. also maybe PlayStation Plus or whatever. and all this bullsh. dumb. Holo Matu Anu.

What? I don't know. Game Exchange and. Domino's. So. it's just. And then $30 in savings down from $575. So it's just like. I thought what a joke. $63 in a. brokerage at. 26 have you withdrawn from your. brokerage? No. That was all put in when I was still. working. I would deposit $5 every single. time I got paid. And so that's what I was feeling more.

sympathy towards the beginning of this. conversation, but it's hard to not. Look. at these actions. You're ruining your. life. You're destroying it. You're. allowing yourself to stay in debt. You're allowing yourself to not be able. to pay rent. You're allowing yourself to. not have savings. You're allowing. yourself to not have an emergency fund. You're allowing yourself to not be able. to retire at some point. That's hard. That's on your own actions. And then you. says it brings down the mood if I look. at my statements. Brings down the mood. Mood. I don't care. I don't care about that mood. How could. you? How could you care about the mood.

in that moment more than your future? It's not even close to more important. If you're just going day by day, I. guess. Yes. Yes. But you know what. that's going to lead to? An impossible. day-by-day. An impossible day-by-day in. the future without you facing a little. bit of uncomfortability right now. Yeah. What are you going to change. from this? Going forward, what is. different? Hopefully not. Hopefully oh, we just lost it.

Okay. Well, I don't know what really I can. afford if more than the bare minimum. payments and stuff. So. Uh probably the bare minimum payments in. life and then anything else on top of. that. You're spending Did you do. We went through the pie chart. Yeah. Your 10% or whatever went to going. out to eat and miscellaneous. that doesn't improve your life in any. way. All the games and all that was 30%. of your spending. And you spent $1,000. more than you brought in. More than. $1,000 more than you brought in. So, I mean that's that's self-inflicted.

They're all just a little few purchases, but it's a death by a thousand cuts. It's all So, what's different then? What. is different going forward? Maybe cut out the Starbucks. I I know I got. not give a. You're stuck in a situation that you. want to get out of. And you say maybe I won't get the. Starbucks. No, I won't. It's just.

So, life is a joke now? We've given up. We're done? I'd like not to. Huh? You would like not to? like not to. Okay, well, that's not a plan. 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 that. 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. What is different? If If the true answer to that is maybe I. won't get Starbucks, that's not a plan. and we're done. We're done and you need.

to hit rock bottom in order to wake up. Cuz clearly we're not there then if. that's the case. No, I. I don't I. Looking at I guess my subscriptions and. stuff and I see I say I guess just cuz. it's a like an anxiety thing. But looking at my subscriptions, getting. rid of them. There were like five of them, but you. going and swiping at all these places. endlessly. It was relentless, and then the last.

checking account. Your spending categories are out of. control. You have no discipline. You have no delayed gratification. In the spending, the spending is not. anyone's fault but your own. Yeah. A lot of the debt, sure it may have. started through situations out of your. control, but you've been in positions. where you could have paid them off by. now. So, the current debts. are not anyone's fault besides your own.

There's a There's responsibility here. Whether it brings on the mood, finances. are not vibe-based. They really should be. Sometimes. Well, they're not cuz you. live in the real world. Congratulations. Yeah, yeah, yeah. And that's not going to change. Yeah. But, if you want to be under a bridge, you can. Okay. I don't know. What What What do. you want from me? What can I do here? What is What is this now? I don't know. I You don't seem like. someone who's willing to sacrifice. Like, you want to hear that everything.

sucks, and that I'm sorry, and I am. But, I think that's what you want is for. everyone to say, "I'm sorry you're going. through a hard time." Which again, I am. But, then leave it at that, and just. sympathy, sympathy, sympathy. No. But, that's not going to be a correction. to your life. Well, that's why I reached. out. I. I need to get. something. done? I want to get my stuff together. Okay. And what are you willing to do to get. there? I guess bare minimum. Like, we're not.

doing anything fun anytime soon. On your income side, just like any other. gas, I'm happy to gift you a tech. certification through Coursera, things. like accounting, bunch of other stuff. You just let us know when if you want. that, you can get it. Yeah. My life's going to be bleak for a little. while. Huh? I was like, life's going to be. bleak for a little while. have to be. You can do things in a happy. way. There's parks. There's so many free. activities that are good. And also, there are positives to grinding away and. making life good. Sacrificing for the.

future, making life better. Sounds like. you have a good community virtually, but. good community. Yeah. Even if you're working 60 hours a. week, you still have a good amount of. time left. I don't know. Man, I don't know. All right, your debt minimum monthly. payments. Your debt minimum monthly payments are. $390. What do you have to pay towards. utilities on average? Um. I think like two.

70 is what it is. 230 goes Well, 240 goes to electricity. and then the uh remaining goes to my pet. insurance for the apartment. Okay. Do. you have to do internet? No. Okay. Your spend. in our rent. This. Okay. I can already tell, I mean. We might have a little bit of room here. We're going to go through everything. We. might have a little bit of room here. It's obviously your spending that is out. of control. Yeah, my spending spending is really.

bad. I. I don't know if it was on there cuz it. was not recent, but I spent possibly. $180 for. pleasures. What's that? No, it was the same thing. Oh. Oh. I think we can save that for the post. show. We'll talk about some of the. drama, some of the tea in the post show. I think that's that's fair. I don't. think we need to put this toy in the uh. budget, but Yeah. We'll save that for.

the post show. What's your What's your. phone bill? Uh phone bill is $80. Okay. Do you own that phone on all out right. out? No. So, I own an S. Who are you with? T-Mobile. Okay. Good news. Switch to Helium. Mhm. Same towers as T-Mobile and it's 20. bucks a month. Oh, okay. Okay? But, you need to pay off your. phone first. Yeah, I think I have the. remainder of this year and then it's. paid. Okay, then switch. So, we'll put. 80 for now.

Gas, vroom vroom, drive drive. Uh $30 um. $30 to get a tank and I think I go. through it like every 1 and 1/2 weeks. Well, $75. Yeah, but like that's when I was. working. Well, you are working well now. don't know where how far away. working? I don't know how far the. location is. know how far away your job is that. you're starting next week? Yes, because. they they have to decide which store. location I'm going to be at.

Okay, 75. Car insurance, what is it. monthly? Not your stupid pay for four. cuz you're not doing that anymore. 100. Uh. I don't know. I had to actually look at. that. 184 We're also going to do an exercise. in the post show where I want you to go. through. uh sometimes we do it on the show, but. uh I mean, we're already at the budget. There's really no point of backtracking. We're going to make you go through your. checking account statement with some. crayons or crayons if you're an American.

and uh. check off things that are bold. Okay, 182. to know if you can recognize it. Okay, 182 for car insurance. Yeah. Food, do you have to buy for this guy. even though you guys are done? I take. care of groceries. Okay, should you still take care of your. groceries? Realistically, no. Am I required to? Yes. To live there? Yes.

That's so weird. Okay, $500 meal prep, meal plan, follow our thing in the. budgeting program. less than that. How Well, you go out eat. every second of your life. No, like uh. when I actually am cooking and I'm. actually being the housewife, I spend. like 400 I I spend about 400. for the month. 200 every time. TP, find anything else you need to. survive, makeup, shampoo, all that good. stuff. You have around $100. Any. co-pays, uh medical things in general?

Prescriptions, all the good stuff, therapy. Uh All the fun little things. No, cuz it's on the CareCredit. It's already paid off on the CareCredit, which I need to pay that off. Yeah, but. I'm Okay, gym? No. No. I didn't want to say it. I used to. I used to. I used to. Come on. Used to. Uh it was $10 and we. Hey, let's let's both go to the gym,

yeah? Let's have a gym off. Oh, there's. one in There's literally one in front of. my apartment. I go upstairs and stuff. I. feel like it's enough. It's not. Uh. I'm going to let you in on a little. secret. Yeah. It's not. No. Okay. Anything else that needs to be in. your budget? No subscriptions, they're. canceled. No. Okay. I think you're going to have room. from the looks of it. But let's see. Could be a little tight. What's difficult is your living.

situation. So, what's difficult about. this is Okay. Yeah, you have room. You're going to have after taxes about, let's say, what comes in is like. 2,200. You need 1,497. to survive on a monthly basis. You're going to have Let's go Let's. around it to round down to $700 a month. Now, what's difficult. Mhm. is. if you move out, that completely.

changes. And obviously, we want you to. move out, but we want you to get out of. debt. So, it's a confusing situation. Should I pretend like you're staying. there for a while when we do this? Do. you Oh, do you want to say that for a. while? Are you going to say that for a. while? That's Cuz what's going to. happen? That's the plan of staying there. If you. don't, here's the realness, and. If not, then I'm moving with my family, and I don't have any rent or anything. Oh, I was going to say and get a second. job. Oh, but okay, that's fine. Yeah, rent and utilities wise goes out the. door. They will literally just let me. stay there. I maybe help with groceries.

Okay. 700 bucks. I I pop the stress the stressfulness of. these jobs, I pop Tums into my lips like. they're Zyns. Those are my version of. Zyns, just Tums. Just good. 2 months, save up 1,000. 400, so 1 month emergency fund. 2 months. Mhm. Then we're paying off the debt small to. large, just honestly. And that's what I.

tried doing. That's why the Discover. happened. I tried consolidating. everything. That's not paying off small. to large. That's consolidating. Yeah, well, I tried consolidating, and then I. tried paying off I had Ulta originally. at zero, and then I was working on. Freedom, and then. And you probably brought it all the way. back up again, right? Yeah. That's what. always happens. So, what people haven't. changed their behavior first. Consolidation's a great tool if you. change your behavior. You obviously. haven't. You're uncontrollable. Yeah. It's So, you need to practice on the. behavior part. $48,000 of debt, $700 a. month.

No, no, no, no, no, no, no. It's $28,000. of debt. Okay, thank goodness. $700 a month. Obviously, this will start. to snowball, but it's also not taking. into account interest. So, we're just. doing. what it might look like, but. 40 months, that's not bad. That's not bad. 3 and 1/2 years? Work more. Yeah. Work another 20 hours a week somewhere. Part-time job. Boom. Paid off in 2. years. Yeah. Well, that's what the substituting's. for. Exactly. There we go. But also, get. some the summer. Yeah.

Uh yeah, pay it off in 2 years, get a. fully funded emergency fund. Uh so, 2. and 1/2 years, I think you could do that. if you work 60 hours a week and you cut. back and you just have free fun like. Discord with your friends and all that. good stuff. That's not bad. Starting life at zero. financially, zero. at 28, that's not terrible. 28 29, it's. not terrible. You still You still have. your second best decade of growth for. compound growth in your life. Yeah. There's a lot of opportunity still. This.

is going to be a sacrifice. It's going to be a sacrifice. Set goals. along the way. If you pay off a car, maybe you have you get to do a trip out. to California, you know? For that month, maybe the money goes to. there instead of paying off the debt. Maybe you extend this to 3 years total. even with the extra job by setting. yourself goals and allowing yourself to. have those uh rewards. I would still. rather it take 3 years to pay it off. working the second job and actually make. it than bring in another 2 years with. the extra job with no rewards and then. you don't make it because you just can't. sustain that. So, there's a lot of. different options here. But I think you have this. I think.

you've got this. Yeah. It requires a behavior change now. and that's my biggest concern. Because it brings down the vibes. That. statement is going to haunt me. So, like that. I don't know. I will say. um That's where I think right now. November's probably not reasonable, is. it? Can he come here? Can he pay for half? Yeah. Make some substantial progress on. one of the car Pay off the J.C. Penney. card by then and have the 1-month. emergency fund by grinding grinding.

getting your second job maybe 80 hours a. week just go crazy until then Yeah. pay for half of it. Yeah, he pays for. the other half. Sure. That's your. reward. Maybe maybe you can pay for the. whole thing even. But if you get a fully. funded emergency fund you or. 1-month emergency fund grind and pay off. that J.C. Penney card, yes, I I will. allow that. But it's going to take real work and. it's going to take applying to 50 jobs a. day and and working part-time and. working a lot of hours. No, that's That's why I missed the old.

job is cuz I was the one that picked up. all the hours. I had like 110. at one one point. Okay, well, that's. probably unsustainable. I wouldn't push it much beyond 80. if at all, but okay. It was fun. Spending a budget you overspent on your. budget zero out of 10. Debt. For your situation, it's horrendous out. of all. of it's school loans. Huh? Half of it's school loans. 15,000 of it is school loans.

I didn't get that? You should have. I didn't talk about it. You didn't. And that was included in the. 28,000? Yeah. Okay, well, I didn't talk about it, but. that makes sense for the math then. Yeah. Uh is it federal? Yeah. Low interest rate? No interest rate yet. It's It's 4%. Okay, we're going to. minimize the payments until those are. paid off. That's going to be a two out of 10. Emergency fund, there's nothing zero out. of 10. Retirement, I'm not going to. allow that being considered starting as. nothing. Real estate zero out of 10. So, we only round up on those I hate you. So, it's going to be a hammer financial.

score 0.5 out of 10. Make sure to stick. around for the post show. You can join. that membership in the link in the. description below and check out all the. resources there as they are what I use. or would use in specific situations. including the best budgeting and. investing programs in the history of the. internet which are now bundled at a. lower price and you get $100 in cash. rewards thanks to Moomoo. Today on the. financial audit post show. No, very excited about this. Okay, no, I. wasn't. You're like, I bought a toy and. like there's beef around it. was it again? 180. What is it like Hulk's or something?

It's controllable. That'd be kind of cool, actually. Don't. a lot of people do that in public? Self-report. Go to the grocery store and BE LIKE, GOTCHA. TO WATCH THE FINANCIAL AUDIT POST SHOW, click the join button below.