She Gaslights Me For 1 Hour and 35 Minutes | Financial Audit

your entire preemptive story of making. you the damn Zone distress so you're. lying you're trying to just fing look. good no nothing has to do with youring X. like you set up for the first 10 15. minutes of this entire conversation to. be so fa you what a manipulative way to. open this conversation well download my. new simpler budget app today and take. control of your money once and for. all hi my name is Ashley I'm 21 years.

old I'm from West Palm Beach Florida and. this is financial. audit thanks for coming over to Austin. what do you do for a living in West Palm. Beach I am currently a server at an. Italian restaurant okay. so highend Italian or Olive Garden where. are we in the scale cuz our our wage is. really going to be dependent on that in. terms of the tip level of things um it's. a little above like a Olive Garden type. situation okay so you're probably not. making that what are you making um.

assume a lot of tips uh mostly on tips. so I make I just went up from 13 to 14. an hour for my hourly rate and then my. tips I usually make anywhere from like. probably like 600 to 1,000 a week in. tips oh that's not okay that's not bad. no not bad um at least for your position. how long have you been doing. that um been serving for almost 3 years. now like two two and a half same place. yeah same place oh okay very cool so. it's obviously work.

um this doesn't necessarily mean you. have to don't get me wrong but often. times when people are serving in the age. of 21 sometimes it means they're also in. college sometimes it doesn't what are we. trying to do um so I was in college I. actually graduated um you graduated yeah. well with my associates but okay in what. um business. administration what do you when did you. do that I um I finished in the spring of. 2024 so like half a year ago spring of.

2024 was basically a year ago oh well. yeah well by the end of spring it's like. may end of spring semester okay that. makes sense what do you plan to do I. don't think we're doing this forever are. we I I'm trying not to um what do you. mean you try not to like I I want to. hopefully maybe own my own business one. day like I want to have that freedom. business owner one day I mean it makes. sense I mean you're from the audience. right that's where everyone applies from. and we do tend well this is a finance. channel so get some entrepreneurial.

things that tends to be more natural. just in the audience. but I always see people go about it the. most crazy delusional. ways why what is going on what is going. on in general here because like what are. we looking at what are we talking about. because I'm going into this blind like I. like to I like to go into it with the. audience obviously we're talking about. okay graduated with the associates. degree so probably not that much debt. I'm going to start a business so. probably not that much debt maybe an. emergency fund cuz I'm going to go into. that business I'm going to fund some.

upfront cost uh okay cool so you're. probably good except you're on the show. meaning you're probably not so what is. going on um so there's been a lot of. adjustments so I just moved back in with. my mom very beginning of the year. January 1st really yes so um there's a. few things um I moved so me and my um. boyfriend split up so we broke our. lease you had to break a lease wait how.

long were you guys together um like 2. and a half years almost three me okay. yeah yeah that's brutal yeah when did. you guys break up um December 31st and. December 31st that and when when did you. guys determine you were breaking the. lease um like two weeks before that it. was very um wait how did you determine. you were breaking the lease before. breaking up well that's weird yeah so I. mean it was kind of brocky for while um.

what was going on so I mean we had moved. into this house in August so we weren't. there very long there at all was that. your first time living together no we. had an apartment that we were in for. like 8 months we also had ended that. lease and anyway why why'd you own that. leas H we had a roommate situation that. was very unideal um it was one of his. friends that was like renting like the. guest room and he was on drug which um. like.

yeah like very very yeah and like we. don't do that at all didn't even know he. was on no never never okay um so it just. made me uncomfortable even in that. environment but um never even heard of. anyone intentionally doing that one I. thought it was I think everything's. laced with it but okay well I that's. probably bro sure okay so you guys broke. the lease with that instead of just. kicking out the roommate well he was. like so he W he was on the lease and. then like he had a friend take over our.

part of the lease so we were kind of off. the hook with that one cuz they took. over the. lease but okay so then you guys moved. into this newer place but why were you. guys breaking it though before you guys. broke up so that's what I want to know. we also this just happened yeah yeah so. we had um so after we ended our first. one we moved in with his mom for a. little bit that was very not ideal. everybody was yelling at each other. every morning that's weird yeah yeah so. that's not a traditional house told I.

will hi stress hi just everything so. okay it was definitely like a there's no. one high off a this time no no no so. that was you know good change um but. then we applied for this place got in um. and then we had a roommate there and he. kind of did the same thing he lost his. job and then just like moved out and. like stopped paying rent. so yeah and then so I started working a. second job I was working at another. Italian restaurant and then I was.

working like seven days trying to like. you working two jobs wait when was this. like 2 months ago like I think I started. the confirm your boyfriend just left his. job no he was working okay but no no no. this last place though why' you break. the lease for this last place the one. that just happened yeah so that was like. part of it like he was like he who's he. my ex sorry okay the yeah so my ex we. I'd broken up with him actually like a. few weeks before this cuz no you said.

you broke the lease before you broke up. the first time like broke up twice in a. month multiple times I caught him. cheating on me like looked through his. phone found messes you want a cheating. that happens on this show what the is. happening in this world is this more of. a why do people have the desire to even. cheat I I couldn't tell you I you guys. were together for two and a half years. what the we how old was he cuz 21 he. yeah he was like 2 years older so he's. like 23 okay oh great he's going to be a. great person for the rest of his life I.

mean people change people grow up I mean. I made a ton of mistakes back then too. and I mean we all do but but cheating. that's. so personal and so intentional and. especially when you're with someone for. two and a half years I really don't oh. he swears it's not cheating he swears he. didn't cheat okay what did he do sorry. this is we got to get into these. finances I know I'm sorry but no it's. the lore it's the war it sets up your. situation that you're in now so what the. is not cheating well he said because he.

didn't sleep with anybody that he didn't. cheat what did he do oh naked pictures. in his phone sending and receiving vide. send so he wasn't just watching he. wasn't just. goon real people like text messages as a. gooner I understand but like no trading. with someone while you're with someone. mhm living together so on the same leas. so anyways that's that well that is. cheating yeah and he says that's not. cheating how many people I mean I kind. so you broke the first time why you get. back to him with this second time within.

the same month I didn't get back with. him but like we were both living in the. house we were both on the lease and like. I tried to kick him out and he wouldn't. leave and then so he just kind of like. kept staying at the house and then like. I was playing nice and I was kind of. like figuring out what I wanted to do. and then he was like oh well with our. financial situation I think it would be. best if we ended the lease and so that's. when I was kind of like this is probably. my out we should probably end the lease. and then I'm going to move back to my. mom's house so what would he say if I. talk to him cuz I do I do realize like. as internet personality I have.

a a lot of things said about me and it's. fine but you know there's always just. like one side one side one side one side. and I just you know I just focus in yeah. what if I talk to him I mean I would. hope he knows what would he say what he. did was wrong like I hope so but would. he agree with this entire situation um I. would think so I mean we've talked about. it like he even knows that like I'm. coming on the show and stuff and I was. like What if I call him you can if I.

call him in the post show okay cuz I do. like to hear two sides right I mean for. what it's worth I'm on your side and I. fully believe you but it is important to. always hear two sides especially with. such a situation where it financially. impacted everything you guys broke the. lease I me that had to have cost money. yeah yeah like how' you pay for it I. mean you have a ton of debt so it's not. like this debt wasn't just accumulated. within a month and a half was it most of. it was accumulated in the last like 6. months like when we started six months. that's difference no no no no six months.

yeah not not like in the last two months. so you moved in with your mom what. happened to but you said you gave me one. job you said you had two jobs what. happen yeah so the the other job I got. to try to like make up money to. compensate for the lease and then I had. to quit when I moved cuz it's like an. hour away when you moved to your last. apartment or to your new mom's house to. my new mom's. house do you have to pay your mom any. rent yeah I paying her 500 a month. that's actually not bad chunky.

I was chunky for like moving back in. with a family member at 21 like I mean. it's okay to move back in here and there. especially in our young 20s unless we're. just being enabled but at 21 I it makes. sense to move back into home uh for. example I mean so I went to a college in. the East State of Michigan I went there. for a year and a half and then I. transferred to a college on the West. State of Michigan and I moved back in. for a semester at at like 20 and that. was the last time I lived at home and. that's fine I moved back in during a. college situation transitioning to new. University yeah like that's okay but.

it's interesting paying $500 in rent but. whatever that's what you guys agreed to. so you had to leave that job how many. hours a week are you working at your job. now but the the last one was too far. this other one's not too far that you're. in right now so it's it's kind of just. always been Central to wherever I move. it's kind of always been 20 to 30. minutes from where I'm at versus a hard. drive for a waitress job it is yeah it's. just it's like really weird I've worked. for the owner since I was like in high. school and then like I used so you guys. have a good relationship yeah yeah so a.

lot of trust there that's good what's. your. normal what normally hits your account. with tips and everything included on a. monthly basis um probably usually a. little over 4,000 anywhere between 4 and. 5,000 hits your account yeah that's not. bad at all I know so 4,500 is that what. we're going to say yeah I would say. about between my um $4,000 a year net. yeah net. yeah after tax I'm sure you don't claim.

your tax your tips your tips they're on. there yeah you claim your tips yeah my. credit card and my cash really every. night yeah who the [ __ ] is that no we. have to cash yeah okay well I mean I'm. sure so $554,000 a year what's the. struggle I'm confused what what are we. dealing with why are you struggling. $54,000 a year net at 21 moved in with. our mom what was your portion of the. rent before you guys broke the lease so. I it was just rent was over 1,200 was my.

portion cuz it was that's pretty. expensive but even still with your. $4,500 a. month it's 26% of your net I mean that's. not bad you weren't in a dangerous. position so I'm I'm confused yeah but he. would be like unreliable with like so I. paid the whole security deposit when we. moved in there so that was 2400 and then. I had to pay the whole first month on my. own which was another like 2,400 so then. we kind of had this conversation and.

expectation why would you date someone. with like that well proven track record. like that are surprised turned out to be. a dirt bag well you know the signs are. there now but it's like at that time I. think the signs were there when he. wouldn't pay his rent yeah well it. wasn't like it wasn't always like that. when we were at the apartment I never. had any issues with him he would always. like sell me the rent like directly but. I still was always the one like. responsible for making sure it got paid. and like I was a primary lease holder so. like I was liable same with this new. place that we moved to but he was like.

also on the lease Soh it would just come. like 2 days before rent is due and he. would just be like oh like I'm a couple. hundred short and I just be like like I. don't know what to do like like I had no. notice crazy yeah so that was like what. was his. excuse oh we're going to have to call. this guy later this is interesting but. there has to be something moronic in. here because there's no reason you'd be. on the show with your income situation. only having to lend a couple hundred. here and. there like so far everything you're. saying is setting this up as you've I.

mean it sounds like yes it been that toy. situation but it's like you're a victim. in all this there has to be some. dumb yeah I mean a little bit like I. mean the choices but like the choices. what choices like all the financial. situations that I got myself into but. like you know when you're with somebody. and you trust them like you know you. think you're working towards the same. goal so it's like you know to me it's. like I get you now you'll get me later. type thing like that's how I saw it and.

then I just never got to the you get me. later. part okay oh where do you think you are. in the world of in the world of finances. 0 to 10 zero being the worst 10 being. the best probably around like a one or. two I did it online and I got it zero. but I don't believe. that okay well if you guys want your. Hammer Financial score that is free Link. in the description below or go to Caleb.

hammer.com and if you want to come on. the show you have something interesting. you have interesting finances that we're. talking about go to Caleb hammer.com. apply we'd be happy to have you down. here in Austin Texas I'll give you a. good Financial beating and it's a it's a. good time are you having a good time you. met the crew you met everyone yes. they're awesome they're so awesome well. thanks for being here thanks for having. me so.

400 but that's not what I had come. in I mean okay I had payroll. 982 yeah but then obviously tips that. was likely the ATM deposits to. 2,455. yeah what's the I have just random. deposits adding up to about 1,500 what's. that from also probably tips I just like. see that I think that's part of where my. issue is is like don't like usually like.

I don't know how much I make in a night. like I just kind of like all my cash. goes in my bag and then I like then how. are you able to accurately tell me you. get $4500 on a monthly basis it's like a. it's an estimate like I don't know then. what would be the real number okay well. you're ruin this cuz I'm well CU I'm a. server so like like in the SL month but. I asked you what you get and you. confidently gave me four to five like. can I believe that anymore like recently. I what like like in the last like 2. months that's about what I've been. getting two months no what is it.

normally like over the course of the. [ __ ] year it it's I no but how can we. make an income estimate as we go. throughout this entire thing if I can. not reliably trust the information that. you've given me for the income and I. trusted you and I've been on your side. thus. far I just what your I mean it's it's. not I mean there's really no way to know. like unless I go through like each month. and look at every single one of my. deposits and even then like there's cash. sometimes that doesn't get deposited and. stuff so like how would I know what.

happens to that cash most of the time. like it gets deposited but other times. you said the cash some cash doesn't get. deposited so what happens to it s sorry. so like the it would get like sometimes. sometimes I'll spend it when I go out. like um tips like I'll use cash for like. tipping and stuff but it's like I don't. know I'm just still adjusting to like. the one job and everything so it's hard. to like base my income cuz you remember. that second job I ended at the end of. December. so I've only been working the one job.

for two months now yeah but I'm trying. to figure out what you make from that. job. well I don't have a like set number when. it comes to personal finance bad credit. can hold you back it impacts everything. from getting loans to renting homes and. even costing you more in interest so if. you're trying to step up your credit. game without the risk of credit card. debt or questionable loans meet kickoff. the sponsor of today's episode for those. trying to build credit affordability. fast and easily kickoff is perfect for.

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don't know after you gave me such a. confident answer like I I would say. that's about an average but like you. would say yeah like based on what okay. so I would say like you said you don't. look you said something you said like I. don't look or I don't know yeah so then. like which one am I believing you don't. know or you that you're confident about. the average I'm like what what am I. listening to you know what what am I. basing the rest of this conversation off. of dude I'm just saying like I I. struggle with keeping track of like what.

I make sometimes cuz it's like I don't. like so which one did. I okay okay download the simpler budget. app like literally everying guest that. gets to come on the show and like I. close to 100,000 people from the. audience download. it you get premium for free they get a. free uh free couple week trial to make. sure it's worth it actually and then. you're going to do this. when you come on the F use that it's a.

simpler uh simpler budget Founders. Edition notebook we're almost done with. them but um usually for anyone that gets. an annual version of the membership I. sign that and send it out to them but as. a guest I need you to journal your debt. payoff journey and then when you come. back on the followup Channel you need to. show but use this automatic account. connections you will see what you're. making on a monthly basis M you can. average it out easily yeah I need to do. that it's all automated I know but it's. like it's so hard when you just like I.

feel like I just got like consumed with. so many bills that it was just like I. was just like bills what are we you you. said he would drop an extra like $200. needed here and there which with your. income situations not make a break I. mean I'm looking at this apple card. 3,000 8155 MH was that all from him. missing rent no no that's all me I won't. I won't why we talk all about that at. the beginning cuz I care about your. finances and if the first debt we're. looking at is is a substantial credit.

card debt and it's all you then why. the okay sorry I'm trying not to get to. trigger then why do I care about all. that stuff you gave me at the beginning. that set you up to be like this damn. Zone distress like why do I care about. that I don't I care about the fact that. you have. $3,081 on this credit card and you say. it is you so what is this I feel like it. was just like it was just like a slow. decline like I was really really good. with my credit cards at first like. what's at first like the first probably.

about two years like from 18 to almost. 20 and then like two years so and then. one more year from there that's three. years three years of the entire lifetime. of a human is not that much it's not a. substantial percentage no but it's the. whole time I've had my credit so I know. but that doesn't really matter I I I. care more like what three years in a. life is not that much two years in a. life is definitely not that much one. year in a life is really not that much. if we're looking at the overall life if. you're doing something for a decade.

that's where it's like okay this is. established down and deep in someone's. life but okay whatever okay so you're. good for two years doesn't really mean. anything when we're talking about three. years well like I had I had like a 750. credit score like when I was like 19. yeah I'm sure when you were 19 like give. about that but I don't care about that I. care about where we. are but I care about where we are yeah. but um like that was like I was trying.

to set myself up and then the whole. reason that X was a part of it was. because like I feel like I was on track. until we started living together and. then I just feel like I got so behind on. all of that and I'm not saying like all. those you said you needed a couple. hundred here and there that again you're. pushing it to him again so what why. living with him got you to hear when you. said this was. you well it's yeah you're going to have. to make sense of it cuz right now it. doesn't I just like cuz I was primarily. taking care of like most of the bills.

like I know like that doesn't. necessarily reflect it but um like. you'll see like um I had all the bills. on autopay and like that wasn't included. in the rent like our phone bill our. internet our electricity phone bill yeah. we were both on the same phone bill and. it was in his name you're not anymore oh. well it was in his name yeah but I paid. for it yeah but if you didn't I mean you. would have lost coverage but it wouldn't. have gone to your. collections no you could have just. started your own phone bill yeah that. you should have but I'm just saying. there's a little less risk attached to.

it okay well that was when we were. together but you just said you just okay. you just told me this credit card was. you yeah well I'm not saying you are not. saying that with what you are saying. right. now well yeah that is cuz like okay so. when what are you trying to say then CU. clearly I'm not understanding it for. some reason so I was using my Apple card. as like my everyday spending and it. wasn't a problem because I had my bills. like steady if you couldn't afford bills.

when extra things pop up do you get to. do your everyday. spending no but I mean there's well. there we go these were choices that you. were making but there's still things. that like you know like I needed and. like. needed well let's see probably maybe not. the apple one as much but let's see okay. here oh there's actually a lot of. purchases on here great I love seeing a. credit card that is thousands of dollars. with a minimum the payment $113 uh at 19.

years old is pretty. intense it's a ton of purchases when. interest is uring yeah yeah in what. world does that make sense to be doing. these. purchases it's it's just scares it is. easy and that's why you need to remove. it because you're obviously not a credit. card person you can't use that look. where you are I what did you just grab. your Celsius and put it. down little fidget Celsius a little. little smack on the table no I just.

okay I just I don't know I just think I. need to get everything like back aligned. and then I L but look where you are what. what but I care about what got you here. in the first place what you're doing now. that's going to continue down a worst. path I know it was just honestly it was. around a pretty similar time that my. debt got really bad mhm like 18 like I. opened a stupid Guitar Center credit. card but my credit card debt uh student. loans private student loans car debts. didn't get bad until like 20 21. 22 yeah so you can get worse and I.

you're headed there and that's what. makes me really nervous is you're headed. down a dangerous path and you're doing. nothing at all to correct it I mean look. at they spining in here you went you got. you went to the pitch you went to. Starbucks you went to Starbucks Duncan. mobile Chipotle Rost stor Starbucks Rost. stor this is the first card out of how. much that do you. have a lot how much set do you have. total between credit C how much debt do.

you have probably like 50. $80,000 so beyond substantially more. than you just thought you had which is. insane that's insane it's $30,000 more. than you you didn't even know about. $30,000 of the debt you. have of the debt you have you did not. know about almost 40% of it 40% of it. you didn't even know you had and then. you're going raw stores and broken glass. smoke shop. but it's what kind of cancer are we.

getting today what smoke shop what are. you getting Vapes yeah I'm sure yeah. that lines up. with your. aesthetic Waters Car Wash you live in. Florida what are you washing off the. hurricane you don't have salt you don't. have dust what the are you doing you're. probably just washing off all your stuff. there's like a lot of sand and are you. always at the beach not always but I. know good cuz you should be working and. paying off your debt I do work a lot lot. I work like 5 six days how many hours a.

week do you work anywhere from like 40. to 50 yeah I mean you're making a good. income again yeah all I'm saying is you. probably don't need to be spending for a. car wash on a credit card that is green. interest that is at a huge balance when. we have $80,000 a debt when we thought. we had 50 yeah okay Duncan mobile Duncan. mobile Duncan mobile three in a row oh. good it's a fourth Dunkin mobile Amazon. then you went in to the store and got. some bull then there's actually some.

Necessities in here Chiropractic you. know inter Miss depending on if you. think that's a necessity but there's gas. dollar store you know whether or not I'm. going to call that out usually no but. even still even if this is gas and the. Tractor Supply is necessary and lots of. chiropractor are you broken like. whatever is happening in the pharmacy. it's like okay maybe we needed those but. guess what on a credit card that is gr. interest and you don't even know your. debt situation or your income situation. that is terrifying and and and just a.

kind of little you because you again set. this up as all I had to send extra money. because he wasn't taking care of bills. but my daily spending had to keep. happening so I put it on a credit card. guess what you didn't live with him. during this statement in any way. whatsoever and it had nothing to do with. him not paying his bills you didn't live. with him and yet you were still choosing. to do all of this so again your entire. preemptive story of making you the. Damone distress that is being guarded by.

a dragon that the ogre man himself needs. to go get that's not you that's not you. it is I mean what's it literally is you. didn't live with him during this and. this is still your spending on a card. that is obliterating obliterating your. financial position at 21 years. old I I I get it but like at the same. time like I there was like oh Lindsay. Lindsay the teamy herself the team.

Master herself is like and now she's. spending you spending a lot of money on. your nails now that you got broken up. now you have to get all the nice nails. when you're going out and hitting all. the wet Palm Beach Club I feel like all. my money was going towards like. household stuff or like stuff for like. going to things that um are completely. unnecessary listen Good Nails give good. back scratches everyone loves them. they are not Necessities when you are.

literally just trying to survive now you. just moved in with your mom you you. remember when you did that like you just. did it yeah because you needed to save. some money cuz you couldn't afford. living on your own but we're going and. we're just destroying it with Duncan and. Starbucks every day come on I mean this. is what are we doing but I mean and you. are not the victim in this and that no. but like oh come on but you set your. entire self up as no not not necessarily. but like I feel like if it wasn't for.

all that I wouldn't have gotten this. deep into the situation that doesn't. make sense you literally are spending. you are literally spending on a credit. card that is not going down balance that. is agreeing interest shut the [ __ ] up. that's impossible that listen there may. have fent. things that sucked in that situation. especially financially all of this. spending is after you guys broke up and. did not live together M yeah but I mean. lying you're trying to just fing look.

good no. it's I no like okay so like I agree that. that wasn't all like necessity spending. yeah I told you the ones that were. necessity spending either way it should. have be done on a credit card no but. like but half of it was [ __ ] half of. it was [ __ ] when I have like. payments and stuff coming out of my. account all the time then it's like. payments it's what what payments you're. adding yourselves more payments because. you have so Deb $8,000 in debt you. thought you had $50,000 no you have.

minimum to payments that you're not. aware of yeah of course money is just. getting taken out of your account that's. what happens when you're not aware of. your financial pos position it just. changed so fast that it was like really. hard to keep up with the changes of it. honestly well like I moved three times. last year yeah I don't see why in the. middle of January to the middle of. February that means we're spending our. money in Starbucks and Duncan things. have changed I better go to Starbucks. and Duncan every day and get my nails. done done every second of my life well. this is prettying exciting for the world.

of financial audit something big Mar. nearly 60,000 of you have downloaded my. budgeting app simpler budget in just a. few weeks of its launch and let me tell. you we've heard amazing feedback people. are enjoying the automatic account. connections people are enjoying the. community chat people are enjoying. building their budgets sticking to it. and actually changing their lives. finally for the first time yeah so. download the simpler budget app today. join these 60,000 people who are.

literally changing their lives for the. first time literally this gives you. control of your financial future once. and for all so download simpler budget. today and remember anyone who signs up. for the annual version of the app at a. massive discount you also get shipped. this simpler budget notebook which will. be personally signed by me so check it. out download simpler budget today the. fck are you talking about that is not. going to get you out of that it was like. it was my coping I mean I just gotten. out of a breakup somebody I was with for.

3 years yeah sucks that sucks and I'm. living with my mom so it's like you know. like yeah but you have to make enough. money where you could have gotten an. apartment just something smaller I don't. have I don't have enough money saved. like it wouldn't have made sense well. you don't have enough money saved. because you blow all your money every. second of your life and you have minimum. the payments that you don't even know. because you just rack up all this debt. like no I mean that that lines up. perfectly it's fully understood look. what you've gotten yourself and you're. allowing this at 21 yeah and when you.

pushed back on it you brag about how. good you were at 19 I don't care about. 19 you're 21 now yeah I don't give a. [ __ ] about what I did at 22 I don't give. a [ __ ] what you did at 19 who gives a. you are where you are now deal with it. yeah I'm that's what I'm trying to do. I'm no you're not cuz what you're doing. right now which is the only time that. matters is blowing it all. I I feel like I'm not getting that. through you feel like to be fair I do. feel like this is my worst one I feel.

like that's why it looks so bad off the. surface worst one lady this is $3,000. and we have a total debt pile of $80,000. like that's like shut the it's the one. with the most random purchases but I. feel like once you like see the other. ones strategically dumb yeah well they. they made more sense at this time little. slip there little slip of reality listen. you're not a credit card person this is. too dangerous for you to have these. access to these amounts to spend you can. use the Fizz card like many of the.

guests in audience that's what I will. allow you to use cuz it only lets you. spend what's in your checking account. like a debit card so I definitely there. you go but you're not using you got to. remove this from your Apple wallet now. but like how does that even work like. doesn't it well how does what work no. like I know you can just remove it but. like doesn't it like report on your. credit that like you close the account. or I didn't say close your account you. can just remove the card should be able. to remove it from your wallet if I'm not. mistaken then how do you pay it if it's. not like like on. there cuz it's like remove it from a.

default in terms of like if you're going. and tapping to pay though yeah but then. it would just be another credit card. that's on there or like yes but you. wouldn't just be Instinct you said the. reason why this is so hard is cuz it's. available right there for you to just. spend yeah so make it harder for you to. spend yeah. but yeah but I mean it's so you met this. dude like in high school yeah like after. I. graduated yeah jeez yeah that's fed up. and you find yourself in a new position.

that you haven't in adulthood yeah. you've been an adult for three years but. you guys have been together that entire. time so it's definitely interesting. that's yeah I feel like that's a lot of. why it no no shut the [ __ ] up with that. listen it's why it's why today might be. a struggle and figuring things out might. be a struggle but it is not why you're. here it is not why your spending was. like that in this most recent month. don't pull that that is not true that. not fuing true but I will say the.

chiropractor that was from him that was. I canceled that though you broke you no. no like I was paying for his. chiropractor like why why I was paying. for everything that's what I'm saying. why but why were you that doesn't make. sense though CU I was still in the month. of January you guys were broken up and. didn't live together yeah I had to and. he literally cheated on you I know cuz. it was on autopay and I didn't realize. so I mean I canceled it now okay well. chiropract 3 was quite a minimum. compared to all the purchases in there. yeah by the way but even still it is. stupid yeah but you know so just like.

little things like that that would add. up I think just like cuz I was. making like more you still make great. money you make more than a lot of. college graduates or people that didn't. go to college as well yeah but because. like I was used to a certain income and. then like I was you have to adjust again. this is why you use the [ __ ]. budgeting app it's ridiculous like. people are incapable of AD justing I. really don't understand I mean you. literally lost $81 and55 in interest in. one month alone just on this card yet. you still spending on it it is at a.

26.24% interest rate that's crazy and. yet you still you still just purchase on. it yeah like it's nothing to get the. nails did show the camera your nails. let's see are they special they were. only $70 they're are youing kidding me. only $70 are you [ __ ] kidding do you. not understand the value of a dollar $70. is $70 is substantial you know how many. MCD double $70 is. I I don't I don't know how much a.

McDouble is but I probably like 50. McDoubles but I they last me like almost. a month so do 50 MCD doubles yeah but. they're not going to you have to work. those off yeah but these they add they. add value yeah but you got to work for. the money that you pay to get them yeah. but I enjoy them it's like the one thing. listen I get it too but like get press. on nails or something I tried that they. don't last and I work in the restaurant. industry so I can't have like press on. nails like flying off listen all I'm. saying is it really comes to as simple. as you cannot afford that literally $815.

in interest on one of the debts alone. 3,000 of the $8,000 this costs more than. that and it's because you refuse to. actually sacrifice things sacrifice. things well to get out of this debt and. cut back your spending I think it helps. me like in a way like I don't know what. I think like I think if like I feel more. confident with my nails are done and. then I think people like I think it just. like looks more presentable I think.

people tip better so I think I make my. money back I know there's definitely. tips based on looks for sure but you are. a very conventionally attractive person. you are congratulations you won that. loty Lottery pool like well done but I. don't want to have I don't think it's. the nails that's going to do it I don't. think it helps nobody wants like nasty. fingernails holding their food and stuff. why would your fingernails be nasty. those fingernails will be nasty too if. they're not you can do press on more. frequently you can also paint your nails. you can also just get Natural Nails. either way that's not even the point I'm.

just saying you couldn't afford it and. literally because you are more willing. to spend money on stuff like that you. are losing more than it costs to even. put those on in interest alone on one of. a minority of your debt of the $8,000 it. is a simple mathematical thing of that I. am not anti- nail I don't give a in fact. I Am pro again the back scratches. everyone loves them I Am pro these. things this makes no sense for your. situation it's as easy as that I don't. know it's so a stupid minor thing to. defend I don't get it I think I don't.

know I just I stopped getting them done. for the longest like when I moved into. my first apartment and like I feel like. I don't know like cuz I made that. sacrifice so that like we could afford. like kind of to build our life together. so like I feel like I kind of just like. needed to do that for me you know what I. mean like no because like it was. something I stopped doing from myself. when I was with him so I feel like it. was important for me to like get that. back like I like I know like I still pay. off.

therapist I that's kind of like what. it's about like taking care of me like. re prioritizing myself I want selfcare. but there's lots of versions of. self-care yeah and again if it's. something you can't afford you're. putting yourself in a worse position. what kind of selfcare are you getting. into if you're going to have to. sacrifice for years to pay off debt what. kind of selfcare are you going to be. into if your parents are no longer there. you can't move in with them and you. don't have a savings account just like. you didn't have a savings account and. you couldn't move into your own place. like your par aren't always going to be. there it's a sad fact like there's so.

many things what are you going to do. when all of a sudden either you're the. parent and you can't retire because you. didn't save up for retirement like those. are the things self-care now is. important but self-care for your entire. life is also critical and you are. prioritizing the minor little Feelgood. things in the moment over your. entirety but it's like hard to like I. don't know I wasn't like thinking about. that at the time like it's like feel. like I'm just trying to take it day by. day like you know yeah but you you have. to have a plan an overarching plan we. all take the days day by day but you.

need to incorporate your strategy of. living into the overall plan you have. and if you don't have a fully concrete. plan right now that's okay that's okay. you're 21 that's usually where we're. kind ofing up and we're figuring things. out that but this is the corrective. moment and defending something as stupid. as just that is pointless and trying to. make yourself look like the damble. damsel and distress is pointless when. what we could be doing is taking. responsibility for the spending we have. now that is preventing us to get to that. future place that what goals do you have.

do you have goals yeah I need what what. do we have I want my own place like I. your own place so moving back into an. apartment yeah well I mean hopefully I. want to own a house one day but I need. to get somewhere first but like like my. mom's like her lease ends in August so. like and she's planning on moving like. across the state and I'm not really. trying to like uproot my whole life and. everything why is she moving so far well. like her boyfriend works across the. state like oh so what are you going to. do so you need. yeah yeah I need like I need how.

possibly is spending all this money on. [ __ ] priority right now when. obviously you need to start saving up to. put a to put a security deposit down. first month last month whatever you need. well on a place how is that not the. priority how is that not the priority. that doesn't make any fing sense I think. that's a critical. timeline yeah but I think I was just. like I was just excited to like have a. little bit of like Freedom after not. having to pay rent for the first time. ining Mom you do rent Freedom well but.

you pay rent Financial Freedom you have. $80,000 of dead in 19 is any of that. evening student loans no that's. horrendous people people at 21 22 23. getting out of college like $440,000 in. student loans that's what a lot of. people get that's like the average right. you don't even have student loans you. need have double the amount of debt. that's insane that is insane. damn was L distress are you hoping.

someone just comes and rescues you is. that why you set that up in the. beginning like that no I'm trying to. figure it out for myself you're trying. to figure it out yet you spent all that. okay let's move on cuz that's so list I. just don't like how you framed your. situation so far I really don't I just. think I think you'll you'll see it like. more I also think this was also what. more this was like the this is like the. aftermath this was after everything. already got bad yes it is the actions. you are doing afterwards. the actions you that was your spending.

he didn't do any of that except for the. chiropract he did not do any of that so. what are you talking about well that's I. don't know that's why I need your help. like I need your help I'm trying you're. fight oh okay listen for what it's worth. I'm going to break the fourth wall here. to the audience so shut the up for a. second sorry. uh for what it's worth a lot of people. come on the show everyone's from the. audience these days uh like literally.

100% of the guests at this point or from. the audience and um people are not used. to be in front of the camera so there is. just a natural defense mechanism that. kicks in but for sake I am trying to get. to that point where we are. helping we get you just have. to be reasonable and not try to set. yourself till look. good you got to let go of some of that. well let go of some of the ego it wasn't. all his fault he's a cheater he's a.

piece of but the entire thing doesn't. revolve around the fact that he like. $100 went here and there look at this. spending we saw in just that month that. was your fault look you all know I love. calling people out on their financial. train. wrecks we've tackled credit cards payday. loans and more but there's one giant. Money Maker we've only scratched the. surface on real estate I have five. houses that's right the buy a house get. rich game and that's if you play it. right you see my own Journey started in.

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go make real estate your next big win. and remember we always offer a 30-day. money back guarantee but we have the. lowest refund rate in the industry for a. reason I bring the value check it out. Link in the description below yeah so. Discover it. $2,262 with a $62 month minimum monthly. payment again these Min monthly payments. are stacking up quick for just 21. and and so are the debt amounts and. these are credit cards $41.70 of.

Interest agre look at that see your. Barrel went up for $1. 19,20 to 2,26 your balance went up cuz. you purchased $600 a why are you. purchasing more than you're putting on. the car on car that is a cent interest. that you cannot pay off how long does. this take to pay off minim monthly. payments only if you don't purchase. anything which you're incapable of how. long how possibly a little long it was. like eight years nine years so you'll be. 30 yeah you'll be add to in your 30s and. then boom finally one of the credit. cards gone like one of our smallest. deaths is gone yeah 9 years that one.

like just like a lot of my bills are on. auto pay on that one so like that's what. Oh you mean your other bills like your. subscription also well no not like you. bragged about your 750 a couple years. ago you're at 650 now credit Yeah well. yeah yeah Dunkin Donuts that classic. auto pay Dunkin Donuts another classic. autopay people looker who the are you. creeping on who are you creeping on go. that was I also I also canceled that who. you creeping on who do you.

think was it the a yeah like I was like. trying to like what the what what were. you trying to find well like I don't. remember it was like trying to see like. if they were on a dating site or. something would it tell you I don't know. like you had to like Ashley Madison no. think is out there fing like divorced. moms no like like just like assuming. that's what Ashley Madison is just like. anywhere like his profile is I don't. know like I'm pretty sure that find. anything it said it said that like him. and his family were like flagged like by.

the by the Govern like they were on like. a watch list but it didn't give me any. other. information did he enter the country. illegally or something no he's a legal. citizen as far as I know unless unless. he lied about that too but I don't. really know but um I actually had to I. canceled that card cuz you canceled this. card what does that mean you canceled. this card so like um mean you closed the. account well I didn't like close it but.

I canceled the card and like didn't. order what does that mean you canceled. the card cuz like I have like that one. like the people looker thing I couldn't. like I have no idea where it was from it. was like a random site so I can't figure. out how to like cancel the Char if that. makes sense it's probably from people. looker well yeah but I. don't I don't know like where that was. like I. don't anyways there was a few other. things on there too like um our old. phone or no our internet that was also. his account that like he didn't close so.

like I had to cancel the card cuz um I. see you going into a gas station getting. some [ __ ] going to a gas station. getting some [ __ ] uh yeah another. classic subscription oh here's another. subscription bro broken glass smoke shop. oh how much do you vape are you going to. just be tweaking by the end of this cuz. you're not having a puff you're buying. so much already on just two cards people. looker there again come on that's what. I'm saying many people are you stalking. Stars it was literally just Mike's going. in and getting some bull in the gas. station wait what I normally don't do.

that I mean $9 you getting $9 in gas. Jersey Mike's you said oh yeah Jersey. Mike Jersey Mike is a sub place. yes yeah so yeah okay but it's not a gas. station no the one after that is oh it. was nine bucks yes I don't know what. that was you're yeah. it it might have been G but you've done. it multiple times in one month did it.

like three times this statement so far. H I think cuz that one had oh apparently. you're a pothead too I just learned oh. that's nice what why is everyone on the. show obsessed with destroying their. lungs much you spend in nicotine and on. a monthly basis um come on probably like. probably like two to 200 almost your. rent like half your rent well right now. I guess that's crazy you have toing move.

out forcefully I know I've been slowing. down I've definitely been SL L everyone. says on the show I don't believe it for. single Ser I don't believe you cuz I was. living alone for 3 years and like my ex. would smoke so we would smoke together. but like now I live with my mom so like. out of respect like I don't really do. that around her and stuff it's a 20. again 24.24% interest is interest is. insane do you have any retirement I. doubt it um I have 2,000 my savings. 2,000 in savings why would you have 2000. in savings when you have a.

2,26 2000 in savings best you're going. to get question like yeah but best. you're going to get like 4% on it if. it's a one month emergency fund covering. highest deductible I get it what's your. intention behind it well that's kind of. I guess what it is it's like an. emergency fund like it was at like four. or 5,000 before literally if you just. put it in Mumu or something you at least. get like 8. something perc on it yeah. yeah I definitely actually I think I. think if you put a th000 in right now. you get like a 16% return of your money. with the like dollar reward they also.

gift you so like I don't understand. you're just leaving okay okay but like. it it would just be like scary to have. nothing in my account no I agree and I. wouldn't suggest that this is probably a. better use 24.24% interest yep okay so. you're just endlessly blazing it up but. you stop you slow down because of mom. meaning when you move back out you're. going just as hard again well hopefully. I'll stop before then but don't you well. I mean I've tried but it's it's not easy.

especially like I feel like there we go. someone's admitting to the reality that. we are finding out more and more of. these guys we is not I definitely won't. like everyone has thought no it. definitely is and same with like. obviously nicotine's very addictive but. um I don't know it's just especially. like working in the restaurant industry. it's so I want to be very. clear we've looked at two cards so far. mhm they're all your spending so far MH. nothing has to do with your like you set. up for the first 10 15 minutes of this.

entire. conversation you what a manipulative way. to open this conversation well cuz this. was these were the statements the month. after we broke up so there's like. nothing in there so it doesn't fing. matter cuz these are your actions so it. literally doesn't even matter that makes. your opening even worse I asked what is. going on and you talk about how all that. you where when I'm looking at your. statements right now it is literally. after you guys broke up of youing you. well I didn't have.

like I don't know I'm still trying to. figure out like a new way of doing. things I just like I was in such like a. I was so used to putting everything on a. credit card because I didn't have like. the money so like now I'm trying to like. figure out how to balance like paying. off more on the credit cards while like. like not like I don't want to spend all. my money I know I have to budget like I. know what you're thinking but I don't I. don't want to like spend all my cash so. that I can't make my payments on my. cards and stuff if that makes sense like.

spending on your credit. cards what the are you talking about if. you just did your Necessities that. wouldn't be what the [ __ ] cope is that. what the cop it just it doesn't all. right Capital One Quicks shut the that's. stupid. $1,965 180 with $72 minimum monly. payment what are you doing it was $1,000. to 78 $178 of purchases that is fing. stupid with.

$52.90 of Interest ACC what the possibly. so that was so this 12 years to pay off. by the way without purchasing on it. which you are incapable of so what. possibly. why so you literally oh my oh my the. balance went out from 1,700 to. 1964 because you paid more than the. minimum but you purchase more than you. put on anyway so it's just soing stupid.

well see and that's what I mean like. that's like the loop that I got like. that's the loop I got myself your Loop. is Fu dunk Donuts Starbucks vaping and. loop loop what are you talking about. Loop is when someone's in a Payday Loan. cycle and they can't get out of you're. Dunkin Donuts and weat and Starbucks and. Vapes no you don't get to use that. excuse that is an incorrect statement. okay let's see what this ,000 are is are. they going to be Loop spending let's. find out are they going to be Loop. spending let's find out okay it's.

endless storage and newu huls and. storage so this one might be the actual. first one related to what you opened. with it might actually be the first one. like 45 minutes in finally no finally. and guess what it is your lowest balance. card yeah so okay finally one thing like. this one I opened um and I think I had. started. 259 payment that was our phone payment. do that when there's services like. healing for $15 a month I don't get it.

well it was like before we got into the. house when why do people spend that much. on phone I don't know BS it was like his. phone plan so that was the thing like it. was his phone plan and like I was just. going he was a Manchild yeah he was a. literal man yeah yeah I'm calling him in. the post show it's confirmed it's. happening I'm there's no way I'm not at. this point he's a [ __ ] baby I also. want to hear his head of the story I. just like it was like I he he would. never like he could set up his stuff. separated correctly what do you mean.

like you guys didn't go back to each. other do you no l he lives at his I know. that happens a lot especially in younger. relationship he lives at his mom's I. live at my Mom I just don't want I just. want clean separation here with how. intertwined you guys were I just don't. want this to get Messier this is insane. Allergy and Asthma care yeah so um and. lots of u- hules you'd think you're a. lesbian this is crazy this is so crazy. lots of storage as well you didn't have. storage at your mom's house no she so. she okay so he sent you flowers for.

Valentine's. Day Lindsay you te. goddess what the so is he attempting is. he attempting he's attempted never get. back with a cheater we don't give. cheaters yeah I know that are you you're. not considering are you no no it's just. like it's I don't know it's been weird. what no tell me I well like I've seen. him a few times and like we've talked. why what see like we still had a lot of. things to figure out he had his. motorcycle in my storage unit and like.

he has a lot of his stuff in my storage. unit so so I guess we didn't separate. I'm going to ask a very Middle School. question you guys haven't like even like. kissed or anything right since breaking. up okay good okay so okay so it sounds. pretty dead to me sounds pretty dead. you've met up for more like business. yeah okay good but it's like I don't. know just don't just just this is. literally just out of like care for you. from me not finances like. cheaters yeah especially if they. couldn't even agree that they were.

cheating I know I me if you're going to. open the relationship on both sides like. that's one thing that's agreed and. consensual but just going behind. someone's back no yeah um you either. break up or you bring up the topic you. don't just go to other people which I. don't know if he did but well he says he. didn't but you know he den den so but um. yeah so it's a lot of the stuff for the. storage like he somehow his mom lives. five minutes from my mom so um like when.

we moved everything like all of our. stuff ended up in storage together and. then like I don't know I just I somehow. just ended out taking care of everything. cuz he didn't really know we were. separating so I was trying to like he. didn't know what he mean he said he. broke up like four times yeah well like. he's a little like he's a little. impulsive or like what's the word like. yeah like a little impulsive so like me. too but I know when someone breaks up. with me yeah but like that's what I. broke up with him once before and he.

wouldn't leave so like that's not being. impulsive that's him being either a. [ __ ] or a fing weirdo yeah. well no but either way so like and then. I I left her um so like we ended our. lease December 31st and so like and like. I said earlier we decided like two weeks. before that we're going to end the lease. and then so like it was kind of like a. panic move with like getting everything. to storage and like the u- and. everything we had to extend the U-Haul. like 2 3 days cuz like we moved like 50.

minutes away from where we're living so. like I don't know but um okay yeah okay. yeah listen I mean we're a few thousand. in there has to be something chunky. somewhere that this is going to get to. here's something chunky there's. something chunky. 30,000 this has to be a car Road Runner. M. 30,000 okay what is this what is this so. it's a I believe 2023 Polaris Slingshot. how the you getting 2023 car what I.

didn't even get something remotely. within the year of the car the year we. were living in until I was in my like. late 20s the [ __ ] are you doing why do. you need a 2023 of a beater this is. crazy. $3,773 190 with a minimum monthly. payment this ising wild. $56.79 that is crazy what's the interest. on this what is possibly the interest on. this it's very high it's like 15 or huh. say it again 13 or 14 no what the why.

why do you need this why do you possibly. need this right now so okay so I didn't. so I got this like a year ago now so let. me explain let me explain there's a. story behind this so so this was when me. and my ex were at our first apartment oh. it comes back to the X who would have. thought guys listen it makes sense so. like we were both working full-time at. the time I was making actually way. better money at like the same job that. I'm at now at the time anyway why is it. slowed down no they like cut my pay like.

what you said you went up from like 14. to 15 or 13 to 14 yeah but a year ago. they cut my pay from what to what from. like 19 to 13 why because they had new. owners take over and they were doing a. lot of it like illegally like half of it. was in cash and half of it was on the. books do they did and then they still. your boss yeah yeah you just said that. on the internet yeah oh well oh well. go on well I would didn't say where I. work um yeah and you're using a fake.

name but yeah go on go go but um anyways. so it's just like um that was a big. adjustment but anyway so we were trying. to like um passive income so he had him. and his friend had gotten a car that. they were going to put up on turo as. like a rental. car and so that was the idea behind this. car was It was supposed to be for. passive income and be rent depreciating. asset for passive income guys this is. the greatest idea in the history of. humanity.

the listen like I'm listening I. understand it is a depreciating asset. but like yeah but there's other passive. income like appreciating asset like real. estate yeah yeah but like yeah yeah. that's true we'll put you through the. real estate class so you at least. understand it and learn the things I did. that would help but um yeah so I mean. but obviously like wait it's a. spider it's one of those yeah like one. of those three whe like yeah so it's. like an exotic like um like the the.

people that like the weird sixe olds. drive around blasting music so I don't. know like he had done a lot of research. on like how much like that car in. specific can make and everything and. like it really like it made sense like. does it make sense it well it did at the. time okay I'm going to have you define. this for me. now now maybe not as much but like. here's a little arts and craft. for you my gosh I'm going to have you go. ahead and um go ahead explain your.

business plan to me give me nice give me. a nice chart well because oh nope that's. incorrect you're going to do that what. do you mean what kind of chart whatever. you need to do to try to walk me through. your business plan here I got you. Crayolas in a nice little Cy Cy scissors. well do like for real what do you what. do you mean to draw can I just explain. it no I want you to visualize it what do. you mean okay your business plan any.

color how would you make money on it. okay I want you to walk me through from. the very start through every phase give. me a nice little flowchart arrows and. everything how do you make money how. does the math work out how about your. profits make profits ver expenses. everything go ahead well any colors you. want you got some scissors go ahead I. don't this this feels silly so it is. silly because you have a silly plan well. yeah so I have a minimum like.

$560 payment oh my gosh make it into art. what do you mean well put it on the. refrigerator okay so what like 560 a. month okay 560 a month what said that. for my payment on that's your pay Mark. okay what do you mean market like. payment say it's a payment. okay okay and then like when I did. research the car can rent out from like. anywhere from like $60 to $90 a day okay. and then they have um draw your business.

plan okay okay okay okay okay so what. 60 to 90 a. day okay I also okay I also did this. math a long time ago cuz like anyways. but $60 to 90 a day for the lifetime of. the entire car or will it go down as the. car gets older and there are newer cars. on the turo market it will. oh that's interesting yet conveniently. your interest rate and minimum monthly.

payment stays the same as also the value. of the resale of your car goes down yeah. please continue no that's okay no. continue well okay so talking to the mic. as well but like I mean if I can rent it. out at least if you can that's a good if. but I'm in a good spot like near an. airport yeah oh for like to rent it like. sure so it's been a year go on what has. happened show me show me there's another. thing different color show me what was. the reality so we have the blue was your.

hope mhm pink is reality okay so my. reality was I got the car like what. eight months ago I guess um I can't you. can't list on turo till you're 21 and I. just turned 21 in December so I had you. did a deep dive research and you. were well smart enough to not look at. the minimum requirements necessary for. the thing you wanted to do to be fair I. was in the process of listing the car. I'm going give you a to be fair for.

missing an age requirement for no I was. in the process of listing it for a while. and that was the very last thing that. they said to me they didn't even ask my. age in there W as you research something. you usually learn what you have to be to. qualify for it that's what I do when I. research if I want to do something yeah. I just I guess I didn't really realize. that would be okay so when did you turn. 21 December good so it's it's been a. couple months two months yeah what's. happened well in the Pink new reality.

show me what's happened oh my gosh go on. I want to follow your business plan here. please tell me so there is a few oh so. the business plan. is huh so that's what's happened so in. reality. this there we go there's your. grand thing. that you were spending $560 a month why. the did you hold on to this car and not.

sell. it I I don't know I guess just I was. like too I know it's going to sound stup. you going to say scared scared to sell. well like cuz I know I'm obviously going. to be at a loss so it's like yeah so. make your loss worse then what well I'm. hoping I can get to the point where it. actually makes money you're not on there. yet and you've been 21 for almost 3. months yeah but I've been dealing with a. lot of like other stuff like readjusting. to the new work SC schedule and living. with my mom the car was like. excuses are people incapable of doing.

things in life these days my gosh the. amount of stuff that literally all of us. go through I breakups Moves readjusting. new jobs firings hirings whatever the it. might be we all do what is required and. you have this stupid [ __ ] thing and. you are doing nothing with it well I. drive it like it's not like you drive. this is your daily Drive not my daily. driver it's then why the are you driving. it and putting wear and tear on it well.

like you have to run it otherwise it's. going of like I guess but how often are. you driving it like once a week like to. keep it like in good shape and. everything but not like I'm not like. taking it on Joy rides or anything just. like keeping it in good maintenance but. anyway so like I guess the thought. behind it was again this is I understood. the thought you drew it out it guess. what. so I guess the thought was that like. maybe you wouldn't like or maybe I. wouldn't make all the money back but.

like if I'm also using it in the time. that it's not being rented out then like. you're kind of getting double value and. how did that work out I want to give you. free money right now I've partnered with. different resources that will literally. give you hundreds of dollars the moment. you sign up for them check out my. investing app of choice Mumu where they. give you up to 15 free stocks and 8.1%. interest on your uninvested cash when. you sign up with my link do you want a. more traditional savings account check. out where I keep my emergency fund Sofi. where they'll give you 4.5% on your.

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obviously there we go so I don't give a. f what you thought what you thought was. dumb don't do it again this is so stupid. well I'm just explaining how we got here. that's just how we got here all right I. wouldn't make that same choice now. inherently I don't know about that well. but is this a different car is this a. different car alone that's my. daily so I got that one. first and then I got the other one you. get this. car I got that one when I was. 19 19 you [ __ ] got a 72 month loan at.

19 for a 2023 hyai which was a new car. at that time 19 no brand new car at 19. what the are you well that's the dumbest. thing I've ever heard in my life. oh I mean I've kept it in really good. shape I don't give a it's dumb it is a. 72 month another 500. $77 month payment that's crazy your MIM.

monthly payments are disgusting $. 27,7 loan and your pay goes up and down. and up and down is dependent. on tips and it is owed $1. 17,569. sorry that's what it's worth you owe. $27,000 so you're dramatically. underwater what was the value of the. spider did we have it uh. it oh we can't get the value doubt it's. worth the 30,000 you owe on it though.

what is the interest on this it's like I. think 7% 7 and a half maybe so not good. barely keeping up with the market anyway. and then if you can calculate in the. depreciation and the car insurance and. all that bull but to be fair to be fair. there's going to be a to be fair hey how. does this tie to the X let's find out so. oh no this isn't made me get this no he. he didn't so this is so I had before. this I had a Jeep Renegade and so it was. financed at my dad's name okay like my. dad it my dad's loan but I paid for it.

if that me like I paid him month but it. was in his name okay and it was my car. so I traded that in and so I was having. a lot of issues with it like there was. like oil consumption issues and like my. engine would shut off oil okay did you. figure out I went to do a recall test. and they said like it was nothing but. like I kept having the issue recoil test. like the they do like a oil test to like. see how much oil leaks and like blah. blah blah but but they said it didn't. leak enough something else then well. like maybe but then like my engine. started slipping and whatnot so and I.

transmission yeah yeah the transmission. that's what I meant I'm sorry oh I'm not. a car person well okay so um says the. lady with 57,000 hours in car loans at. 21 well one of them being a stupid. spider that only drive it's a fun car. yeah but it's always divorced dads. divorced dad at least in Austin then. they just drive around you're having a.

nice little sip of coffee outside at. like a bakery or something then they. drive by with really loud music and neon. lights hoping everyone stares at them. because that's the most attention. they'll ever get in their entire life. that's what the people who drive this. car are mine's discreet it's all black. so but um okay so the Renegade um so it. was like it was giving me a lot it was. giving me a lot of issues and like yeah. and you couldn't figure out why why you. wouldn't take it somewhere to find out. why well like my dad used to help me.

with all my car stuff and then like I. didn't live my dad anymore was able to. he used to be but like now he does like. other work but so anyways it just got. like hard to like have him do that and. it got like obviously take it to a. mechanic yeah but I like okay I I still. owed like $113,000 on this car well your. dad did but yeah well yeah but like so. it was like a lot of issues for a car. that like but you find out what the. issue is and whatever the issue is and. what the repair cost is we determine if. it's worth it or not at that point that.

doesn't mean we go get a 35,000 new car. but I guess at a nearly 8% interest rate. with a minimum payment we could barely. afford it 19 years old that is the. dumbest thing ever well the thought was. that like it would cost me less in the. long run not having to constantly pay. for repairs long run that long run is 72. months at interest at an 8% with a. depreciating asset what the [ __ ] are you. talking about there's no defensible. thing here listen if the expense for a.

$122,000 loan on the car was an. additional $112,000 I'd be like yeah. we're getting rid of that but then we're. going to getting a used car that we are. getting certified by like multiple. mechanics before we purchase it said you. went got a $35,000 car. 19. yeah objectively stupid yeah but I don't. yeah but. oh I guess I was like at that time. wasn't like paying rent or anything so. it like I was like I could afford yeah. but Life Changes how did your parents.

not did you did anyone try to talk you. out of this no oh my f oh jeez you don't. have anyone in your corner that's. reasonable no wonder you talk like the. way you do I didn't like tell them a lot. of it I just kind of did. it. obviously. but yeah anyways well actually my dad. knew cuz he signed the Jeep over. but like I also didn't really like I. kind of just stupid the fact that you.

still think it's okay is moronic. moronic ronic more ronic because that. means you're going to do it again you're. going to do something just as stupid it. wasn't the best decision ever but like. the best decision when you think about. with my with my Jeep I was paying like I. was paying 350 a month on you don't have. one good debt you don't have one good. debt. and yes your M monthly payments can be. higher on a smaller loan because you. have a shorter term a 72-month term is.

not a good thing it means you are paying. interest for longer meaning you are. paying even longer well it wasn't just. that my insurance was higher too my. insurance dropped like $200 with that. part's good but again you're still. losing more money over time here yeah. but like to spend 300 shut the up I have. a city card I have a City furnitures. card probably to furnish the apartment. that our ex-boyfriend forced us to get. yeah well oh there it is okay well it's. not like forc but it's like he.

definitely fully set out that. expectation that he would cover his half. of Facebook. Marketplace I did what is wrong with you. people you were 20 you were like. 19 use Furniture my gosh I thought that. like we were going to actually like buy. a house at some point and then we I make. really good money I'm going to let you. know on that fact and I could retire. today if I wanted to it's a very nice. position to be in. 80% of the furniture in my house was. used I mean we had used furniture too it.

was really just the couch and our. bedroom so $. 6,546 OD on here okay with a. $25.99 miny payment that is insane even. if you're getting a set you're getting a. cheap little fing bedroom set yeah but. for like couple thousand this is 6,000. you then you guys shouldn't have gotten. aing huge house what kind of use is that. was you got well $24 is actually owed is.

subject to interest rate what $24 is a. subject to interest rate I'd pay that. off now before that how is it 20 is it. like the I don't know maybe a purchase. $24 on there I but there's the rest is. deferred yeah that's until 2027 so. that's why I'm not paying interest on it. I get that it's still debt you have you. don't have one good piece of debt I know. but at least that doesn't another one. Mattress Firm you fing kidding me dude. this is insane okay so this was like.

another thing oh and you have a Best Buy. card that I don't even. have I'll have to I'll have you pull. that up on your phone oh I couldn't I. haven't been able to like get in the app. it's all just like set on. autopay what's the B okay Mattress Firm. first M oh my gosh $827. 8 minimum the payment $30 again this is. an interest free thing right now. deferred interest though MH and only for.

the next like five months yeah you have. to pay this off in five months you are. not making the minimum payments required. in order to pay it off in five months. you're only paying the literal minimum. payment what the are you. doing well yeah I know like I have like. 500 left at the end or something like. that you need to pay yeah but this no no. no no no no no no deferred interest is. ACR meaning if you do not pay it off by. then all the interest that. well that well that's okay so I. apologize that's what I mean like by by.

the time that um you're going to allow. literally but if I pay hundreds of. dollars of Interest then it won't but. you're not you're not paying anything. what are you talking about because. because like I'm trying to focus on the. higher interest ones right now and then. pay that off when but you should at. least make your minimum do that's. required to pay this off in time which. would be $166 a month so why do they. make it like oh cuz they cuz they want. to make money off of you are you serious. yeah but literally the way you're doing. it takes seven years to pay off okay so.

stupid so what's out on your Best Buy. card that was a washer and dryer for the. house cuz what's ODed on it it's oh it's. like how did you not get a use wash. dryer you're 19 when you got this oh. I were you spoiled cuz you're acting. like you have to have all this nice new. stuff this is crazy you literally could. have even rented a washingt and dryer. temporarily until you figured out a. better situation I did when I moved down. here and it was worth it sake okay how.

much do you owe on the Best Buy damn. card I it's like 1,500 oh minimum. monthly um it's like 55. oh stacking so. much like $55 like doesn't seem like a. lot at the time but like I guess where. is all this stuff is it in storage it's. all in storage right now sell. it how sell it but like how Facebook. Marketplace no like literally I'm going. to get like half my money yep and you'll. put it towards the debt and that'll be.

halfway towards paying off that. debt that's. crazy it is well no like it makes you. like a 27% interest rate on aing card. that you can't pay off on it I think. it's crazy to have a wash and dryer. sitting there that's not being used. that's in a storage unit that is acing. 27% interest against you shut up that. doesn't make any sense I get it but it's. like it's my like it's like everything's. a l can you sh yes everything is a loss. when you're dumb and you were done with.

your money you were done with your money. that happens now we're doing the fixing. part you don't have to continue being. dumb that is the main thing that I'm. trying to get through. here notice of intention toose claim on. security deposit yeah so that was from. the move out $. 5,745 45 yeah that's what they charged. us to break our which one this last. place yeah have you paid it no oh oh. what. the why I don't I don't know what to do. with that one that's a lot you P it oh.

my ex is supposed to pay half of it and. he's not well I'll can bring that up to. him in the post show I will I'll. confront him okay so it's not the full. 5,000 because they're taking my security. deposit so it's the. 3,000 but still then if I pay that then. I pay the whole. thing ah you know what I mean no this is. stupid what a stupid thing listen I get. that the cheating thing and the breakup. and well I actually I was trying to stay.

there especially cuz I had all the. furniture and stuff I tried to make it. work but I couldn't find like first off. there was the issues with the lease cuz. he was on it so I couldn't just like. kick him out would have had to like go. through all that yeah maybe it's worth. going through all that well I tried and. and he didn't want to do that what what. the [ __ ] is wrong with this guy would he. agree I would when I talk to him will he. agree yeah cuz right now it's been very. anti I actually I did say like one of.

the first times we broke up that I had. like a roommate lined up already and. that's why he didn't want to leave cuz. like cuz you had a roommate yeah cuz. like what I think cuz like he knew I had. a plan already figured out so like he. didn't want to leave did you guys break. up with desperate like animosity towards. each. other no then what the [ __ ] is happening. so you ow 3,375 hopefully he pays. half mhm oh that's just I all the [ __ ]. oh my gosh there's still there's still a.

decent amount of paper left please be. done with the de U I think that is done. with the de I think so are we done with. the de uh yeah oh thank yeah that is. insane it's definitely a lot um people. don't realize that when they watch it. live here in the moment this is very. stressful yeah very very. real sit down with a therapist you got. to deal with some dude all this three. free sessions with sound mind it's the. same people I use the same people the. audience uses you get three free.

sessions and I'll gift you a course. career certification as well because. obviously with your Associates in. business you're not doing anything with. it so you can figure out a path you want. to go down and get a certification for. it to help you uh. [Music]. 762 in checking account same amount went. in as out okay MH oh yeah it say cash. being put in from oh got more Jersey. mics yeah the thing we're confused about. other you've done twice. now to be fair well I know I keep saying. that but wind Dixie liquor.

oh gugging it up you're cross fading. great that actually for me after you got. up had to go get all of your McDonald's. and then you w yourself up with some. Duncan great then you zeld out 20. bucks. chime okay. $413 huh huh what what I'm just trying. to remember it's just moving money back. and forth mostly yeah that's yeah mostly.

and then 2,000 year savings okay yeah. which it like I said it was like almost. you you you you you what. you. what oh okay the City Bank yeah that's. the best the best I thought you had. another de almost died I almost just. died I almost literally just died I was. about to just no. okay so you probably need like $5,000. let's just say additional saved up to.

your basic starting emergency fund in. order to get this place when you're. forced to move out if we have to do. first month last month in security. deposit especially with your breaking. only see like if I'm going to get into. my own place in a few months like I'm. going to want all my stuff I must have I. know like you know you know what I mean. yeah but even renting a thing and then. getting a used system wouldn't would be. worth it compared to the interest that. is curring on the best pie card listen. total income what you 4500 what I was. like it's not what it's not occurring in. right now is it or the Best Buy card I.

don't know you didn't give it to me I'm. assuming it was no that one also has a. deferred until until July I know so only. like six more months but or it might be. longer but I'm going to assume. shorter cuz that's why like that's why I. did it cuz they had some type of. promotion so in my head so until July so. you got like three payments tell. deferred interest hits let's call it. four [ __ ] [ __ ] so 1500id by four so you.

need to make 375 to it before deferred. interest hits that's crazy $375 a month. my entire life okay let's calculate your. minimum my entire life why do you do. this to yourself for my entire life well. what what possibly what possi said this. was all like what Poss this all built up. in like. our the whole last 3 years so and now I. just feel like now I'm trying to like. get a fresh start and you know all that.

all that good. stuff okay yeah your minimum Mony. payments alone are a, 94148 nothing no not one good debt your. rent is 500 M that's all no utilities no. internet nothing like that right um [ __ ]. what I'm paying for my phone 100 it's. like 100 a month yeah why don't you do. healing do you owe on your phone oh yeah. that CU it was a. Verizon gas vroom vom drive drive how.

much um maybe like 50 a. week okay 200 car insurance is how much. um it's under 220 for both yeah cuz the. sling shot's a motorcycle so it's like. 50 a month it's technically a motorcycle. yeah so that saves me a lot really is. divorce Dad okay necessary food how does. food work in your house um I really. every once in how does food work in your. house like my mom grocery shops but I.

usually don't eat at home for you what. do you eat at work a lot cuz I work. nights and I work like almost how do you. eat what do you eat there like grilled. chicken salads is that food you prepared. no like they they cook it like I don't. have to pay for they cook it yeah okay. like they they Supply like they'll. they'll feed me when I meal at your. restaurant job and you only eat one meal. a day well like obviously you saw I was. getting a lot of Duncan but okay you you. don't need the full you don't need the. full 300 I'm going to give you $150 yeah.

for TP fun this is Nails this is tampons. this is whatever else you need this is. makeup it's literally anything else you. need $100 and if there's extra there you. can put it for fun Medical Healthcare. anything on a monthly basis um so I. actually just got set up with an. allergist again so I get like I have. like chronic hives so I'm like allergic. to myself don't do that yeah well I'm. little late so um so I have to start. getting um allergy shots and I'm not EX. sure how much it's going to be what do. you think um should I think it's a $35. co-pay every time I go assuming I don't.

have to pay for the shop once every 3. weeks okay so we're going to do like 35. a. month okay you have a pet uh two cats. ages and health um the one's like three. one's like two Health very healthy okay. get pet insurance no way you're going to. be able to afford to take care of them. if something bad happens $70 a month. we'll call it might be more whatever. depends on what you CH for depends on. their health okay and breeding blah blah. blah blah blah blah blah blah blah cat. food how much um probably about 50 a.

month okay anything else that needs to. be in your budget that I have not put in. yes the. the how. much so cuz I have a storage unit for. the slingshot how much I'm trying to. think cuz I have a. few um it's probably. about like 400 between two three units. it doubles your rent yeah yeah so that's. why like I'm saying like I thought my. situation would be better ending my.

lease and then it was like all this just. like kind of added up so it feels like. almost the same as paying rent or like a. full rent you know oh you still have. money left over okay you make $4,500 a. month net M you with the minimum to. payments you have well with everything. required. $3,766 is required m. meaning you have an extra 700 we'll call. it 700 with $33 a wiggle room which I.

mean that's being conservative M so $700. left on a monthly basis now what that. does for what it's worth it gets rid of. the Best Buy card and it gets rid of the. Mattress Firm okay so those are paid off. before the interest hits okay okay. mhm all. right with what is left. landlord thing. mhm lots of mhm you're there definitely. an mhm girl well.

listen I. mean it was just just rough for sure. interesting that that house like sucked. all the money out of me. literally and we had dogs and stuff. which made everything way more expensive. why well that was like that was like. part of it like um he financed two dogs. why does it make it more expensive for. you well I was paying for all the food.

and like all the yeah he sounds like a. man okay so after those are paid. off I mean this is good this is still. brutal without you even getting a new. rent takes 110 months to pay off without. you spending any money on fun that is a. decade of progress that that's a decade. especially and then once to get your. emergency fund that's probably a full. decade so that's obviously crazy MH I. don't know what you're going to do when.

you have to go get your own place as. well you're not in a cheap area by any. means not even close. no I think you I think it's time to. start thinking career-wise you're. already making 55 net though and that is. not bad yeah but it's also I mean it's. not where I want to be I it's not where. you want to be obviously but you're. going to start either pay my bills. you're going to you got to pay your. bills but when you go into a career. track you're likely going to start. either there or even below yeah as you. try to your way up and as you get into. rent like with your storage unit your. mom's rent combin it's going to be like.

that's 900 so you're probably paying a. couple hundred more than that brings you. down to maybe $500 left over that's. going to extend this progress to like a. 13 14e progress this might be a. bankruptcy situation no way already well. you're stupid with the car I would sell. the cars both of them the spider at a. minimum and I would try to sell. everything in your storage unit and. start with Scrappy us Furniture so I'd. sell everything you can and throw at. your smallest Debs to your highest debts. sell the SPID or throw the money you get.

towards it and still continue to pay off. that. debt that's what you're going to have to. do that's your only way out of this is. you got to start like liquidating the. assets that you've collected out of the. dumb cuz this is not working all your. furniture your washer dryer even. although all the stuff is financed you. need to sell it all the spider sell the. spider. mhm even your own car maybe not because. of the equity position you have in there. is not great right where whatever move. maneuver we going to we're going to do. doesn't necessarily mathematically make.

sense. um this is a brutal. situation you're just going to have to. grind it out or have to work a second. job and that's going to speed up the. process if you can put you know 1,400. bucks a month to it that pays it off in. five years and that's still crazy and. that's not incorporating any kind of. rent you just need to liquidate your. assets and throw it all towards it and. if that doesn't work bankruptcy might be. the option and then you might be able to. start fresh at like. 28 that's but right now you're not.

starting fresh until like. 31 which is insane okay this is aing. dangerous tale for everyone watching and. for. you we'll walk with you through the. process but it's going to either you be. working 80 hours a week somehow Landing. a like a much higher paying career which. I mean good luck that's it's you don't. just land that usually work your way up. or going to bankruptcy selling all your.

assets paying it off in like five years. gosh this is going to be brutal but. that's what I would do I would do one of. those options spending your budget you. technically spend within your budget but. you had a high earning month and none of. it was going to make the debt even. better but you did make it within it. three out of 10 debt I mean this debt is. beyond horrendous with the apartment. debt and everything zero out of 10. that's so bad emergency fund you had. 2,000 yeah I would maybe I'd you no I. I'd save the.

2,000 we don't want to throw it towards. us okay but two out of 10 retirement. nothing 0 out of 10 real estate nothing. 0 out of 10. okay I know I know but I mean do you. think there's any way like possible if. the spider like were to be listed and. make money like do you think there's any. way that that could like outweigh the. like negative equity like if I get it. it's going to depre it's going to. depreciate as like I don't know you you.

can try it try it for a couple months if. it doesn't if it doesn't work after that. then liquidate then yeah try it for a. couple months but cuz I mean if it at. least covers the payment that would at. least give me a little cushion for a. while a little bit you know a little bit. well we'll see it has to also cover the. insurance whatever wear and tear is on. it cuz remember you're going to be. losing value that you end up liquidating. it it's going to be worth less because. of all the miles I have um I have a. service plan included in with like the. financing of the slingshot so like all. the Serv everything you need to check.

that for sure Hammer Financial score 0.5. out of 10 we're about to call the. ex-boyfriend and confront them it's. going to be interesting so make sure you. join the postal below make sure you. check out our new real estate class. which just launched it's at a. substantial discount because it just. launched and make sure you download the. simpler budget app check out that free. trial and if you really want that sign. notebook mailed to you I'll do it just. sign up for the annual love you see you. in the post show can we call him we can. yeah I've seen so many of your videos. I've like literally thought about it. thanks for being a fan why are you a. cheating piece of um this is your chance.

what's your side of the story here uh. you no I swear this is what I deal with. you lied me yeah cuz the Tinder. notification just popped. up listen oh and then baby the day. before you called the Pooky. wow to watch the financial audit post. show click the join button below hello.