She Had To Sneak Onto Financial Audit

you doesn't know that you went into dead. again no no idea you're dead substantial. yes think is just the and that's it so. he doesn't really know you applied to. come on the show and you guys traveled. here together what the was he thinking. was happening here you smile at them I. say you I call you on your bu and you. smile what you taking like pride in. being. a download my new simpler budget app. today and take control of your money. once for all hi I'm Caroline I'm 29.

years old I'm from Madison Wisconsin and. this is financial. audit now my producers are giving. everyone a little stress Cube to try to. make it through these conversations yeah. I might need it okay well thanks for. coming down from Wisconsin fellow. midwesterner but you're escaping to the. better part of the country cool what do. you do for living up there in the cold. so I'm a district manager for a few. anytime fitnesses in the area. interesting interesting what are you. making in that position I make around 62.

that has to stretch decently far there I. try to make it but it's not really okay. okay what is what is you trying to make. like that would stretch decently far. there yeah and we're not going to say. what town we know you're not in the like. heart of Madison you know we're in. external town which. is you could stretch it there I could. but could I could but I'm not why are we. not I'm stretching it probably too far. stretching too far why yeah.

spending. issues I like to spend I like to online. shop a lot it's an online shopping thing. yeah curious okay 62 so what hits your. account on a monthly basis um around. 36 cool very good now with. $36,000 of income it's going to take a. look I like to just you usually get this. just self assessed where people just. think they are how much did you spend. last month making $3600 that what did.

you spend if I had to guess probably. definitely more than that maybe around. 45 okay 45 well so why would you be. okay if that is where you think you are. why would you be okay with spending $900. more than you make 900 why would you be. okay with that cuz I think I tell myself. I'll catch up well okay what's the plan. for catching up or you just say that I. just say that I think I tell myself I'm. going to spend less next month.

and the next month comes I'm like. uh uh. yeah so 3600 came in that's what you. make which by the way no I had 3,200 but. either way okay uh I'm just assuming. maybe it's a little more normally. sometimes so I get reimbursed for like. so you're counting some of the. reimbursement yeah okay and you spend. 6,500 oh so almost double I'm mhm.

yeah yeah go ahead and give me something. what are you what it was. Christmas Christmas is spend double yeah. you're okay with this look at you you're. just sitting there you're like yes it. was Christmas the [ __ ] does that mean. you're okay with this I you're accepting. this you're just like fully yeah come on. dude we haven't even started yet and. you're just being like Yeah Christmas is. perfectly okay the what are you talking. about you're just sitting there just. saying that like that's just an. objective thing to give people cuz it.

makes them happy it makes them happy or. it makes you happy it makes you Happ. yeah gift giving love language but it. makes you happy mhm what's your. retirement at at 29 same age so nothing. okay but we're spending double in the. month of December because it is. Christmas. MH I mean your spending categories are. insane we'll go over in a second why are. you. here so I kind of have a really big.

secret that I've been keeping from. people important to me people import. secret why are you why are you talking. to me for a secret what am I telling. them um I. need don't that means it's like forcing. me to like get it out. there okay have you been like bottling. this what are you going to tell me that. you have like herpes or something so no. who are you okay who's important let's. let's just say who's important so my. boyfriend very important to me yeah that.

would keeping secrets from boyfriend. this isn't another cheating episode is. it endlessly okay we're getting cheating. episodes like every second of our not. me okay then. what wait he's here isn't he he is here. he's in the green room he is okay I. didn't meet him yet but and there was. someone else here okay yeah wait okay. wait wait I filed. bankruptcy about a year ago over a year. or about a year ago he doesn't know that. he knows that oh but he doesn't know.

that after the bankruptcy I got a couple. more credit cards and that was kind of. he doesn't know that you went into debt. again no no. idea you dead substantial yes including. the the vro vom drive drive your car. does he know about that he knows about. the car cuz that I had the car during. the bankruptcy and I didn't put it on. cuz you kept it but all the other new. what does he think your de situation is. right now he thinks it's just the car.

and that's it so he doesn't really know. why over how long a year a year over how. long wait how okay you applied to come. on the show and you guys traveled here. together what the was he thinking What's. Happening Here I think I don't know cuz. he kind of asked me like why are they. bringing you on I'm like I don't know. but um another big thing too is with the. bankruptcy his mom actually paid for it. for me wait the bankruptcy pay for like.

the legal and everything yes so you. literally had no Learning lesson from it. not only did we not change Behavior. because we got into debt again. but you didn't even pay for next wait. did did he know does he he knew that so. I met with the lawyer and she told him. how how much it was and then I was like. that's a lot of money so I I think it. was around. 3200 yeah with like leg fees and like.

the filing and everything like that why. you even like why did you even have to. declare B crcy at 28 what was life. looking like I had a lot of a year ago. credit cards that I I had like six. credit cards um that I maxed out. balances like 15 grand and then I. reconsolidated with a. loan which was 15 grand and and then I. resent so why do you think that this. bankruptsy would have help then why do. you think this bankruptcy would help.

then if the last time you just expunged. it through a consolidation that you. wouldn't do it again you didn't learn. your lesson and obviously if you're. sitting here you didn't learn your. lesson you know what really pisses me. off about when they try to ban Tik Tok. you and I could go to any data broker's. website right now and buy anyone's data. for a few bucks it's completely legal. big companies with poor security are. getting hacked every day and your. personal information is being sold on. the dark web to spammers scammers and. identity thieves can even Target you and. they face zero repercussions from it if.

the government can ban Tik Tok why won't. they protect you from these similar. practices it's on us to protect. ourselves and that's why I use Aura. today's sponsor Ora keeps you safe. online by doing all the hard work for me. they will identify data brokers who are. selling my information and submit opt. out requests on my behalf give or a few. weeks and you'll stop seeing your. information on these sites when you. search yourself which will lead to less. spam or will also continuously monitor. the dark web and alert me if they find. my personal information has been exposed.

they're going to let me know fast if. anyone tries to use this information to. access my credit or bank accounts plus. they give me up to $5 million in. identity theft Insurance should the. worst case scenario happen you can go to. my link order.com Hammer to try 14 days. for free that'll be enough time for Ora. to find out if any of your personal data. has been exposed right so and this is. I'm not against bankruptcy people I. always I see comments every once while. Rec bankruptcy it's not as easy as that.

cuz then look what happens you do it and. you don't actually learn any of the. lessons that got us there in the first. place and then we end up on well guess. where you're sitting M I think I kind of. learned you wouldn't be sitting here if. you learned what do you mean you kind of. learned we're doing a new little thing. where I honestly know nothing about your. numbers I'm exploring it with the. audience at the same time just sounds. like fun but you would not be here they. would not have allowed you to be on here.

if your numbers were not bad enough to. at least have an interesting solution. that we're trying to solve so what do. you mean that you think you learned cuz. you would not be sitting here so what do. you mean what do you mean go ahead I. mean it's not as bad as it was before. cuz before I was kind of spending it on. you before though yeah even if it's half. as bad as before it's horrible I was. spending it a lot on. vacations before the bankruptcy like. what I went to Florida a lot Florida.

okay where you going to Florida Disney. going Disney no I'm not a Disney sarasa. what is a sarasa. beach I guess you are from Minnesota. yeah that would makees sense Wisconsin. Wisconsin you I mean in the summer you. got the beach right there yeah but it's. not as nice yeah yeah but Florida yeah. that's true um so we go to Sarasota a. lot with my ex at the time who was kind. of. encouraging the spending wait a year ago. what how long have you been with this. guy that you're hiding.

year and a half but so I have an ex. fiance and that's who I was how I spent. an ex fiance yeah I did ex fiance's well. yeah I guess they're always your ex. fiance yeah unless they dead what you. still that still would be kind of I. guess okay well how long are you guys. together and you're blaming your dad on. youring xan didn't we literally just had. this uh it's probably coming out in like. a week from here or something but what. what are you doing we're we're blam on X. fiance part it's crazy this is an.

interesting little thing that I am. learning we have all these people that. come on the show constantly and I. there's so many repeat excuses that I. couldn't imagine that a normal human. would make but all of a sudden I start. seeing them on repeat and here I go. again with two filming sessions in a row. of my ex fiance is the reason why I'm in. that how long are you guys together um. three and a half four years.

okay and how was it his fault that. wouldn't be the fault of the current. boyfriend once you break up with him and. then blame everything on him when I met. him I didn't have any credit cards and I. was kind of having money issues and he. actually took out a credit card in his. name and let me use it and I was just. paying a minimum on it well it's a. credit card in his name right but then. after that he's like oh you need more. money just apply for more credit cards. and I kind of did that you're Mak the. payment on it just the minimum oh yeah. so his suggest yeah but you are listen I.

get it when we're closer to someone. we're likely to take advice from them it. happens MH I don't know likely more take. advice for if I was dating someone yeah. sure or the people that I'm friends with. sure the co-workers yeah I would take. advice from them more than I would take. advice from you a random stranger of. course of course. but I still like to put a little bit of. critical thinking into something before. making a big life choice and going. through the whole process of applying. for credit even and though it is sure.

it's not like insanely long you are. putting thoughts into it you had the. opportunity to at least ask a question. or have thoughts or go to the. Google you can't blame that all on him. you still did the action you still went. through and did that well he went on. vacations with me and so the hotels went. on the credit cards driving there gas. went on the credit cards sometimes we. would go twice a year to Florida yeah. but you're still choosing to you guys. had the conversation to do it yes he was. a part of that he was a part of that but.

you still went by your. choice like you guys had a conversation. you guys plan the trip you did the trip. this wasn't a he literally kidnapped you. and took you there and used your money. well no he didn't he think did he no is. there something we don't know about a. little okay sometimes it was his idea. and he didn't have the money I didn't. have the money so I just take out a new. credit. card throw it on. there by get gifts got the gift shop.

okay we're going bankruptcy for gift. shops I didn't intend to go into. bankruptcy I intended on paying them off. but it kind of got away from me so what. do you mean it okay when did it start. getting away from you then I would say I. have I had the cards for a good two. three years like throughout racking them. up and then I kind of hit a point where. I switched jobs and I was making a lot. less than I. wash so it kind of got to the and I. moved to a new place with ex fiance we.

end up breaking up right after that. that's a whole Another Story Another ex-. fiance no just the same one we moved a. lot in the same city very expensive city. and we moved and then I stopped paying. the credit cards what's a very expensive. City Madison okay and I stopped paying. the credit cards cuz I either pay rent. and buy food what was your income. situation I was making $20 an hour so. like 40 a year or so okay and my. minimums were getting like $100 50 a.

month I had the the loan at the time too. which was like another loan you mean I. don't know your loan sorry the personal. loan that I use to consolidate all the. credit cards oh my okay yep yep yep yep. so what's going to be his fault when you. guys break up H what's going to be his. fault the little trips you guys go on. are those going to be his fault the. reason you haven't told him about your. new secret little special little deaths. is because of him cuz lots of deflection. right now lots of uh nothing was ever my. fault happen in here.

some stuff but I feel like the X really. just kind of put me in a hole but the. new hole that I'm. in I don't want to blame just myself on. this you don't want to just what the do. you mean explain that if you're going to. be a dumb at least let me. understand I we just we go out to eat a. lot which you can say let's stay in. right but sometimes he likes to go out I. don't want to say no and I don't want to. admit to him that like not financially.

sound to go out does he not know that so. you guys have been together for a year. and a half are you guys living together. we are living together he does we are no. me no where are we in this relationship. we. are probably looking to get. married how soon he well ask him that I. don't know he's proposed yet okay so. fiance part two mhm blaming bugaloo mm. you guys haven't looked at combined. finances yet. he genuinely doesn't want to because of.

the Banky well that also makes sense but. also he's really not going to once he. finds out we're going to have to tell. him yes so you're willing to you're. willing to do this this whole thing I I. think so yes cuz that's part of the. reason why I'm here is kind of force me. to tell him cuz he like I said he's so. kind of confused on like why I'm even. here well let's figure out together what. your finances even are that you're. hiding from him mhm [ __ ] okay okay not.

hiding everything like he knows about. the online shopping well that you're. doing it yeah does he know how much does. he know you spent double last month of. what you made no because you didn't know. that you thought you spent $900 more. when you spent double well I tell them. when I buy like this is on sale. this. this use the simpler budget app you do. not leave here until you both download. it we get you on premium for free so you. get all all the features in education.

and live sessions download simpler. budget for free dude you better the fact. that you did not know you spent double. you would at least know whether or not. you managing your budget if you had it. in there and everything was. automatically connected you would at. least know that you spent double you. won't have to come in here and tell me. the wrong answer at least knowing. something and if you're educated on your. situation you can adjust your situation. and try to hit the goals you want to hit. I've tried tracking my spending before. and how does that work how do you do. that so I didn't an Excel spreadsheet I. just put in each payment or whatever. spending and then look how well that.

works every I just kind of quit every. like half of the month cuz it gets out. of control that's why we design this. I've seen people ask why would I get. that when there's Excel sheets because. of this people build the budget one time. and then they never stick to it this. encourages actually sticking to it it's. the whole point okay self assess where. do you think you are in the world of. finances 0 to 10 10 being the absolute. best zero being the absolute worst where. do you think you are I need to know. where you think you are one and a half. okay giving yourself a little Grace of.

Half Point likely deflecting that onto. the boyfriend say F so I get an extra. point5 all right if you guys want your. Hammer Financial score it's free Link in. the description below and come on down. here to Austin tesas escape the freezing. Madison environment come hang with us. you'll meet the crew we'll have a good. time I'll beat you up I'll make a crazy. thumbnail about you and it'll be a good. time what do you think you having a good. time okay last okay now I mean you.

you're you're from the audience right. yes okay that could be. you let's. see what do we have here all right they. put your credit score first not too bad. well your credit report what do you mean. not what's not too bad credit score oh. it's not your credit score this is. something that's reported on your credit. that you most likely didn't give us a. statement for oh bankruptcy it's youring. bankruptcy yeah. wow no it wasn't even a full year ago.

right yeah I think oh my gosh it got it. closed. June so I filed in February closed in. June and I was supposed to start. paying my boyfriend's mom back when it. it was a debt to her it was a to she. didn't pay for it she loaned you that. okay. so come here okay how was the status of. that. so I haven't talked her about it what do.

you mean it's been a year year oh come. on why haven't you tried to talk to her. like an. adult his mom you've been dating for a. year and a half you guys aren't even. engaging your B from his mom why not. someone you know I don't really have. anybody in my life that can give me that. money nor do I have anybody that would. want to cuz they kind of cuz they cuz so. you took advantage you took advantage of. a woman that doesn't fully understand. you yes usually you know mother-in-laws. it's usually like the you know Wicked. mother-in-law and you're you're you're.

straining that relationship you're. destroying that relationship you're. taking advantage of a nice older mother. of the person we're marrying because you. know she has one that's kind of gross. not going to lie it's a little gross so. how much do you owe her now. 3,200 we haven't had this conversation. with her no so there's been no agreed. upon minimum monthly no I talked to her. when I originally talked to her about.

like her loaning me the money she I told. her I'd started paying her back right. away in payments and then she said we'll. just wait on it until until the end. where it was finalized in June I and she. never brought it up I never brought it. up so I'm. like sweeping under the rug. maybe why would you sweep on under a rug. a personal favor that someone did for.

you is that not Beyond selfish. especially for the person that you. intend to marry selfish to him so he. knows about this one he does what is his. opinion on whether or not you should. repay this he thinks that I should yeah. really but oh there's a butt how is. there a butt what could the butt. possibly be he also thinks that his mom. might say it was a gift fine let her say. that that let her determine that that's.

up for you to. determine well it's silently determined. because she never said anything no you. are taking advantage of someone who. might be busy and they kind of forgot. there's lots of things there's probably. things there there's things all there's. like about a million text messages for. me to respond to things are busy life is. busy not everyone has time for that it. is your responsibility as the person who. has borrowed and used someone if we. being honest your responsibility to can. make that.

connection but when I for example when I. miss payment on a credit card it's. there what do you mean what what do you. mean you're okay then what the are you. talking about if you don't what do you. mean how much have you what what what. who's that excuse that if it's not. something that's in reality I just think. that what are you talking about I just. think that that's GNA piss me off if she. really wanted it she would have asked. she really or not wanted it. but kind of she needed it if she need it.

might it's not a need you B how where. are you on this we are not on the same. platform of existence on the plane we. are not here together on this planet. what where are your morals morals are. subjective don't get me wrong but what. the is that you have to rely on someone. to ask once they've done something for. you and you have agreed to pay was there. an agreement to payback was there an. agreement a verbal agreement okay a. verbal agreement is an agreement what. you need a contract with your future. mother-in-law in order to be able to do. anything thing you need a contract.

youing talk about okay so you and your. boyfriend are hanging out you're like. I'll scratch your back you scratch mine. love back scratches that's my dream. Caleb hammer.com if you want to reply to. be my wife so if I'm you in that. situation boom uh here play my. girlfriend for a second sure okay I'm. breaking up with. you all. right off play with me here for a second. we're trying to make an example of how. you live I if you scratch my back m and. you know I love back scratches I'll.

scratch your back in fact I'll give you. even double the amount of time okay deal. sure okay there's a verbal agreement so. all of a sudden now I don't have toing. scratch you back because you didn't. write it down because we create a little. back scratch contract here for you sign. the DI ofing line because we agreed on. it in person via voice we don't have to. do it I'm not held to that little. agreement maybe she forgot she may have. it is still on you where is the morals.

on this do you not understand that part. she may have forgotten maybe she has. dementia maybe she's I don't know I. couldn't tell you mhm she's aane it is. your that's even kind of worse of you. not to do it then that kind of makes you. if we're being honest if we're being. honest and obviously I guess when we. bring this guy in we got to talk to him. about this as well then get his opinion. on it it's kind of why why does it. matter on her. was there ever when you did the verbal.

agreement was there a conversation. around a potential minimum monthly. payments that might be set up I brought. up that I would pay her. 150 minimum a month and when did you. bring that up when I originally talked. to her in January of last year over a. year ago year ago we talked about a. minimum. of and you literally only have it. because she hasn't brought it up right. that's dick behavior that is dick. Behavior you do not make insignificant.

income you also split the necessary. bills with him I'm assuming right yes. yeah then you while you're taking out. debt to live your special little dream. so you can spend double the month of. December than you make because it's. Christmas month [ __ ] you you have a pro. you smile at that I say you I call you. on your bull and you smile what you. taking like pride in being a of course. not but okay then what the is going on. here what are we talking about what are. we talking about I mean it's not my.

fault at the end of the day how do you. mean if I keep getting well if I keep. getting credit card offers oh wait what. do you mean okay so this isn't your. fault either just like with the. ex-boyfriend with the for sry fiance. credit card was like hey there's this. credit card you you click the button do. you not understand that you click the. button are you not capable it is easy. it's meant it's a product they're making. money. mhm you are doing the action they didn't. apply for you first okay why did you. need obviously cuz you you got out of a.

you went into bankruptcy obviously. didn't change your behavior so you went. and got a credit card if you're going to. get a credit card at least say the Fizz. card cuz it's a debit card that builds. credit that builds credit if you're. really carrying it did you get it to. build credit was that the intent um or. why did you need okay so you could have. used a tool like that which only allows. you to spend what you have in your. checking account it's a debit card so. what was the other half basically I. filed the bankruptcy it got finalized in. June and I was doing okay financially I. was like live month to month basic. basically and then I what do you mean.

you're with him you're splitting cost. did you not have this job I did but I. what the are you talking about all right. guys this is super exciting for this. financial audit Channel I got big news. for you today for the rest of this month. if you join our YouTube membership at. the elite level or upgrade from Pro to. Elite I'm going to pay for it I am going. to directly reimburse you for the $5 for. upgrading or $10 if you join now it's. essentially like a free trial except. since it doesn't offer it I'm going to.

pay for it for you all you have to do is. follow the instructions that I'm going. to post in the membership area send us. that proof and I'm going to send you the. money and boom boom you joined hammerite. for free yes seriously guys there's. thousands of hours of extra content. there you got two exclusive member. audits a month the ability to call into. our new live show which is also two a. month you just broke Lindsay's heart no. that's not true honestly Ashley that's. Lindsay for you weekly live streams so. Caleb what's your social security number.

I'm doing it. 38 that is definitely to get on your. shirt three. two and every single Financial audit. post show plus member weekly videos it's. crazy how much we have going on well I. got so drunk I kissed a grandma in Spain. without with only partial consent and. then I ran off through plus it really. helps support this channel so let me pay. for it for a month so you have the.

opportunity to check it out make sure. you click the link in the description. below or the pin comment below and I'll. see you guys there and again make sure. it's the middle tier Hammer Elite so. that I pay for it this offer expires at. the end of the month around the time at. the end of the bankruptcy I got a. promotion at my job which I was making a. little bit more so like this is great. but then I started spending more because. I was making more you honestly what when. you mean living month to month you're. telling me you're just not willing to. cut back on your [ __ ] that's the. reality stuff you need stuff some stuff.

toilet paper yes got to wipe that hole. clean right you do not have toing. consume all the McD that comes out of it. I buy I need clothes for work okay how. many clothes do you need from work I. need is it a daily pair of clothing that. you need to get yeah so you go and get a. pair or two of pants that has not added. up to I'm surviving month of month what. kind of cope is that you're [ __ ] you. are [ __ ] makes me happy to buy it. makes you happy you're drowning in death.

he doesn't know you're hiding it from. your boyfriend who you want to marry. while also abusing his. mother you that makes you happy that. makes you happy is that why you're. maybe don't make me not like. you come on you don't have to be an. actual bad person well well you are who. you are whatever Mission Lane great I. haven't seen a mission Lane card in a. long time Mission Lane so what's going. on here one of the secret deaths right.

yes I uh I took that one out first. confusing speaking about you being a. bit you did come here to confess to him. using this as the like okay actually. airing it. out why do you care about that but not. these other things these other people. that you're impacting why do you care to. confess this you obviously feel some. kind of moral buildup that is going to. explode but why not these other people. why not his mom why is it just this I.

think I just care about him the most. youing rank people yeah I don't rank. people in my life I have a great friend. group I don't rank my friends I don't. sit there just I mean don't you like one. better than the other I mean I probably. have a person that I would like text the. secret to like a personal secret of mine. like the most but I'm not consciously. like like if if both if two people ask. for help at the same time I would try to.

figure out a way to help them both at. the same time now like Sor are you're. actually further down the list this week. so uh you don't get the. help well he's number. one and then from there it kind of. goes family little sister but you can. also well where is she the mom. she's wow okay his mom or my mom his I. would say top five girl you just went.

through bankruptcy this is a hidden debt. in this Mission Lane card is maxed out. at. $1,977 196 with a minimum. monthly payment of. $685 what the actual death stupidity is. this it's not a bad minimum payment I've. had much worse is is that how this works. if if it's not oh my gosh. it is Friday here in the office I don't.

know when this is being uploaded but. this is Friday you cannot be hitting me. with this [ __ ] right before the. weekend dude that how how is that what. is all that matters you are maxed out. here it is a $2,000 limit you are like. 20 bucks away how is. that how is that all that. matters I TR not to if I can make the. minimum than I stay above. water you're purchasing almost 60 bucks. on here a card that is acre almost $50.

in interest an interest hey how long. does this take to pay off if you just. see your minimum payment which is all. you do but you don't purchase anything. on it how much is how long does this. take to pay off you your little special. little bankruptcy life how long does. this take to pay off years okay 12 years. you're going to be like basically you're. going to be 41 you're going to be 41 and. you're paying off a card that you just. open if you're not purchasing anything. else through that time to hit your. special little minute monthy payment. which is all you can do that's all. you're capable of cuz all you like to do. because as long as I'm making my minim M.

to payment I'm doing well guys right. isn't that how that works. so $224. available what are you using this why'. you open this so that one I opened. originally because let me kind of start. from here that here I don't know where. here is here is I started using an app. like a Payday app to pull money after. yes why you were in the you were in the. start position into an apartment and I.

needed just a little extra cash and then. I kept pulling. forward and then I just kept pulling and. so I got the credit card to make up for. that de for debt foring not being able. to just budg it for not being able to. damn just budge it. dude this literally stems from Pure. Behavior not income fre your situation. this has been pure Behavior throughout. so so go through theing budgeting class.

you need to change your behavior around. this go through all the classes you get. them for free please be like most of the. guests on the follow-up Channel who come. back and make progress please be like. them go through the classes you get them. for free they get them for 15% off but. you get them for free I'm going. to well un bundled but please you don't. respect this you think this is only. takes 5 years to pay. off without purchasing you open this.

because you couldn't pay off the payday. loans you were taking because you. couldn't learn how to budget this is. just endless. immaturity these are the actions of a. child nearly when do you turn. 30ish don't dox okay yeah I got a while. you're going to be entering that third. decade of your life mhm. well fourth deade of your life.

right and you will have made no maturity. progress I still have at all 10. months I'm just saying you cannot be in. your position that to be in your. position is a joke if you were 19 and. you were getting this fresh. start this would be a different. conversation you went through bankruptcy. for a reason for a reason yeah you are. trying to you you you like like you're. addicted to it like you want to go. through it again because it was so much.

fun fun to steal from my future. mother-in-law and never pay her back I'm. going to do it again oh this time I. promise I'll pay the $150 I promise I. pinky promise this time then you never. do and then you ow $300 a month but. never pay it so what were you. purchasing uh gas and then have to so. here it is here it is here it is just. like the paid a damn loan now you're. debt paying a debt because you kind of. can pay from a checkin account I don't. have what is necessary in my checkin.

account to make this special little. purchase so what do I do I afterpay it. whoopsie I can't pay it my afterpay. payments what do I do I use a card and. max out aing credit card in order to. make the afterpay payment that's where. you are that's where we are and then all. of a sudden we're going to be in a. position where I can't pay my minimum. monthly payment for a credit card so I'm. going to transfer that debt to a. consolidation so we're going to cons. validate a credit card debt for aing.

afterpay debt because we don't know how. to budget and our damn mother [ __ ]. checking. account what the how are you why why. would we be paying for this this on a. credit card I'm Mission. Lane it was already in my Google. account and then so for like afterpay. are you talking about afterpay so I just. like connect the card into the afterpay. because it was so easy I love afterpay. no [ __ ] you're fing addicted to it but.

you don't pay it you put it on a max out. credit card that is getting worse I mean. you lost $250 in interest on this card. last year oh and you didn't even have it. for the full year so it would have been. like $500 if it the full year stolen. from you ripped from your existence Z in. retirement headed into our 30s well done. to be fair compared to what it was. before the bankruptcy I don't give up. all I care is you're doing this now who. who cares I've made lots of mistakes we.

all make lots of mistakes in life do you. judge me for the mistake I made 5 years. ago or do you judge me for what I'm. doing right here right now I only give. about I give a [ __ ] about that I don't. care if you were incredible back then. that doesn't mean you're incredible I. don't care if it was [ __ ] or back then. all I know is that this is [ __ ] right. now that's all that matters to just. right now all I care about is you have 0. in retirement right now which also by. the way compounding equals z dollar when. you retire I care about now cuz now is. what impacts your future your past does.

not determine that anymore it is the. actions that you are taking you can. learn from your past I'm not one of. those endlessly just likeing virtue sing. people online that cares about people's. past I'm not one of those weird. [ __ ] I want to see you do well. now so that your future actually is. impacted in a positive way so don't ever. bring that [ __ ] up again about the past. it doesn't matter it's done you cleared. it through bankrupcy so it's extra done. mhm I don't give a okay got it thank you.

what what do you still after pull up. your after pain let me see no no no no. no why don't you just go pull it up have. a little pull up of the after pain now. let's see that while I squeeze on this. cube of getting me through this. conversation usually I gift the guest. three therapy sessions with soundr mind. but I think I'm going to gift myself. three free therapy sessions after this. fing one. oh to spend to spend that's your.

pre-approval to spend which is also. dangerous she's. pre-approved she's pre-approved to spend. $2,870 which means she's going to do it. luckily right now you only oh 129 you. have two payments okay what was it for. it was for Ulta Ulta Beauty in gym. you're putting in your gym your gy on. afterpay so you don't only just pay that. minimum monthy payment you not pay the. minimum monthly payment for the minimum. monthly payment. you defer everything you're the defer.

Queen you're the queen of deferring. you're also deferring telling him the. reality of your situation also known as. your future husband you are the defer. princess easy no cuz now you have to. confront the situation of which we will. I don't know when but we will okay so. after. pay uh $79 is like the monthly but you. only ENT you have to do that twice oh. one $29.92 is the bounce out so it's a. little less after that first pay this is.

just this is so stupid buddy I don't get. it. dude this is so stupid just I don't know. why you would do this major Channel. announcement budgeting budgeting. budgeting it's a new year we're all. trying to budget we're all trying to. make it a little better we're trying to. improve our life a lot of people on the. show a lot of people out there that I've. heard from they try to start a budget. they can't stick to the budget it's. because it's all too d complicated right. now you use any of the budgeting apps.

out there and it's crazy it's hard to. know what's even going on it's. impossible to set up and it's a chaos to. manage that's why over this last year I. did the thing I made a budgeting app for. you guys this does not need to be. complicated you're trying to take. control of your life so it should be. simple it should be chill it should be. easy to set up and easy to manage I've. called it simpler budget because that's. all it is it's your simpler budget but. we up the Annie with continued education. and an adree version in the premium.

version of simpler budget you can track. your spending set goals and stick to a. plan that actually works by connecting. to all of your bank accounts. automatically no manual stuff here. there's actually weekly live sessions. with financial professionals to answer. your questions and keep you on track. they'll be teaching lessons and you can. ask them things and they will actually. help there's also weekly mini classes. keeping you up to date and educated on. every Financial topic you need to. improve your life Plus for a limited.

time right now you get access to our new. budget friendly cookbook with 55. moneysaving recipes to eat well without. overspending it's time to actually make. a budget and stick to it for the first. time ever let's take control of our 2025. and make this the best year ever. download the simpler budget app today a. link in the description below this. budgeting app will change your life okay. yeah let's see your orders. oh. boy oh history I've never even had this.

app before never okay Teddy fresh Teddy. isn't Teddy fresh very expensive I'm. wearing it right now actually that's. Teddy fresh yeah a little teddy bear on. it it's sign it no then why are you. spending this much money on you know. endlessly endlessly financing it you. know I don't think she'd want you to. finance it I think she would want you to. get it if you could afford it we sell. products we sell we sell merch I think.

we just updated our merch I think I I. don't know it's not even like a plug cuz. I don't even know if we did or not yeah. we are but either way I don't want you. to buy it if you have to get afterpay it. and then pay your afterpay on a credit. card that he doesn't even know about I'm. whispering that cuz I don't want him to. hear apparel Ulta you get Ulta every. second of your life how much you got to. put on what are we just caking every day. of Our Lives contacts we're getting. contacts a ybl l. gym gym gym Ulta gy it's gym shoes Ulta.

gym shoes Ulta a gym shoes Ulta Shoe. Warehouse Shoe it's this every same. thing we threw an American Eagle just to. mix it up but this is you're going crazy. I need you to close this because the. fact is you have a max out credit card. you are going to spend this. $2,870 you are going to spend it it's. there so you're going to spend it you're. going to find another little teddy. you're going to get you're going to. Fresh it up okay mhm you going to spend. that. and get their stuff definitely get their.

stuff if you want to get the other. person's stuff the person they're feing. with I forget his name but either way I. don't care I'm not taking a side in that. I'm just saying you can buy whatever the. you want I just don't want you. to finance it and then put the payment. on her credit card I think if she heard. that she wouldn't. be thrilled with it. okay. Ally this is an ally credit card I'm not. used to seen that I'm used to seeing an. Ali like car loan or something I have.

both actually oh I bet you do you like. to collect them all it's Pokemon for you. who's that Pokemon it's. Pikachu it's here we go we have 770 no. that was a Oh yes okay. 7070 uh. 77069 minim Mony. 27 okay no interest recruit takes 3. years to just to pay that off by the way. went probably didn't get anything. necessary from Target cuz that's too. small of a purchase it is rare that.

anyone goes in there we have found and. spend small amounts of money and it's. not just bull M mhm yeah I thought so. NBA Store oh that was a Christmas gift. your Christmas boyfriend got him a knife. your boyfriend that can be the Christmas. gift meds for. $223 yes so I started on like OIC. basically oh OIC princess we're losing.

to the poundage trying to is so working. yeah a little bit guess what I'm. starving right now but without the. needle I know to scared needles I would. take it I got the the dis diss. dissolvable pill yeah instead of like. the shot it's like uh is the same thing. yeah check it out excuse me you went. into the gas station you got some Bullit. that's certainly not helping with what. whatever you're doing with this OIC like. you're went in there got like a monster.

or something what then Ulta you go to. Ulta every second of your life what the. are you getting I love Ulta I buy of. products okay I was going to say you're. not wearing like the most amount of. makeup so it's was like what okay an. American Eagle Great you said I need. clothes but there was like shoes every 5. seconds on your afterpay there was. you're getting shoes and clothes just. every day things go out of style you but. you told me at the beginning for work. you did not need Teddy for work so that. was a bull excuse I was willing to go.

along with it until I learned more cuz I. didn't know what's in. here now I know you're fing bullshitting. me you try to defer the confrontation of. the conversation by making an excuse at. the beginning you are the deferring. princess no that is not cute you can. laugh at it but it's actually fing your. life it's not healthy it's not good I. work in a gym I have to congratulations.

look nice look so you don't even need. OIC it's just something I little bit I. needed just take it off I know looking. presentable yeah but you don't need. three outfits per day you're buying so. well I go to the gym in the morning. which is one outfit and then I go to. work which is another outfit and then I. get home and that's just another out. clothes that you already have but you. don't need to be purchasing three per. day. you you have a laundry machine oh my.

gosh I don't do laundry all the time no. you can do it twice a week though are. you kidding me it's gym you wear gym. clothes they all look the same anyway it. doesn't matter it doesn't matter. regardless even if it does okay it. doesn't who cares you have a boyfriend. you're not trying to impress anyone. anyway who gives a who gives a me I care. well stop I care about you getting out I. care about youing I care about. seriously you are headed into a marriage.

you you're already starting off the. relationship with the Mother-in-law. absolutely but not only that you're. headed into the marriage with death that. he doesn't know about but not even that. you're headed into a marriage without. retirement you are going to be holding. down the relationship you are going to. be the anchor you are going to be the. one that is holding you guys back as a. couple whatever aligned goals that you. guys want to have you are not going to. be able to hit that cuz you are going to. be holding back you are the holder. backer you are the anchor you are. destroying one of the leading causes for. divorce in this country is financial. things you are the financial thing and.

you're selfish and. you're bad word oh there's more there's. more look at you you win and you got. some bull Target then Amazon the Amazon. Rotary Botanical and Ulta go ahead let. me see your Ulta stop the Ulta stop. theing Ulta can we stop with the Ulta. please please can we stop with the Ulta. I'm going to make him. not allow you to go anywhere near an.

Ulta. Amazon I mean Ulta Diamond. Amazon some stuff on there is for work. I'm. investigating you got little hooks those. that's for work for the gym a hard drive. a dog hard drive what is it it's a. hardrive Port charger with a dog print. on it okay you got some. superfood uh super Berry something.

that's my skin care okay got a big bag. probably didn't have a bag you didn't. have a bag you've never had a bag in. your life now you got like bunge. cords lip gloss that looks like chest. pieces press on nails yeah you have real. nails that don't cost money when you're. dying in in poverty essentially uh. melting Forest mushroom energy melting. Forest mushroom energy okay wild I. promise you don't need that did we need.

a whiteboard no did we need did we need. it no yoga block didn't need it this. bench you did not need that you did not. need it you can stand up and get Cuts. like the rest of us when you're shaving. you did not need it. okay a boot tray you did not need it. need you put down some paper towel live. like the rest of us up there you are not. entitled to stuff you get pressed on. nails every second of your life every.

week every every fing week you are not. entitled to that lady you don't need. that you replenish your skin care every. 5 seconds so I don't think it's good. it's not very cost effective got nipple. covers you returned a little stuff there. mhm those were you're getting energy. drink yeah I love energy drinks stop buy. from.

okay so this is a firm this isn't even. afterpay this is a separate one you're a. firming as. well good death. lady I don't know how you're going to. you borrow the balance is substantially. larger on here me okay. affirm we owe. 900 79 76. 97664 I think that was for tires I think. you're [ __ ] up your entire existence.

because I see energy drink purchases on. there and energy. drinks okay minimum monthly I can't even. figure out I hate these. [Music]. services oh 20 there and then 78 10 so. you. essentially I'm going to put a 100 bucks. and yes you did do some tires on here.

and yes you got to get your tires. rotated or whatnot or you lose a tire. and you got to either get it patched up. or you got to get new tires that happens. you are financing it because you didn't. have an emergency fund because you're. borrowing every set of your life because. you're doing micro payday loans because. you are borrowing money from yourself. even though you make enough money where. if you properly budget your money and. didn't spend double what you make in a. single month you'd be able to set some. money aside and you'd actually be able. to do whatever tires you did in cash. pulling from an emergency fund because. it is an emergency and you would have.

been fine instead ofing over your entire. life and future also including the. future of your. partner but instead we said nah I'm a. child. but even if I did have an emergency fund. I probably still would have financed. it why but you don't even get rewards on. a firm do you no or I don't think so no. I I personally cuz I've never used it. just.

because smaller payments is just easier. at the end of the day are they interest. free these ones this one I don't think. so see that doesn't Mak sense because. you can argue the point which by the way. you cannot manage the de so I don't even. want to get this in your head but for. the sake of the audience you can argue. the point if I can split it into 4. interest free sure if I take that $900. and I put it in the mumu account fine. the mumu account my invest brokerage I. take that I just leave it there I think. you get for like 3 months like 8% on.

your money you know as like for new. accounts and stuff that's incredible I. get that if it's interest free however. with the interest you're likely at like. a 30% interest so you can't even justify. that you can't even justify that you're. unable it I it doesn't make sense if you. know it you know it doesn't make sense. if it is not interest free go please. please explain explain I would like you. to defend that in my. brain it's it's just easier for like. afterpay a firm rather than spending.

like for example $200 on clothes can I. ask if that's easier though if you now. have more minimum monthly payments and. one of your big things at the beginning. is I can't afford to pay things because. of all the minimum monthly. payments I mean I have them autopay so I. don't to think about them yes but it. takes money from your account and if. you're not thinking about an actively. and certainly not budgeting because I. know you don't have the simpler budget. app yet if you don't if you're not doing. that it's usually a surprise when it. pulls exactly and that's the point so.

how is that easier than going and just. write in the check in the beginning the. front half when you when I buy something. easier just click that button that's. easier because your money is not. immediately gone right right why did you. finance the tires did you have enough. money I did not and my only other option. why you not have enough money is it. because you possibly spent twice what. you. make I would have asked my boyfriend but. no please please do you you ever borrow. from him no no okay so this would have.

been her first time for a big amount of. money why why did you why did you borrow. from his mom and not him he can we ask. that didn't he like had enough at the. time but it was like pretty much. everything he had and I didn't want to. take you're going to pay it back though. right I was going to if I took it from. him you still are I'm going to yeah to. his mom are you yeah you say yeah but. you've had no plan or any indication or. action of and it's. been yeah what's your plan is to.

secretly save money for her and then. give her one love let her see some. progress let her see that the that her. future daughter-in-law actually gives a. let her see that she will see that once. you make a big payment but why delay. that what if her opinion of you is. secretively like oh kind she's kind of a. I don't think so she loves me for now. but the longer and longer you put this. off I mean it's just to show. irresponsibility even if she loves you. as a person she's going to be like oh. wow okay my little my little perfect kid.

he's marrying a gold digger Little Liar. someone just just looks to steal money. from other people and doesn't pay them. back I will pay her back yes but you're. waiting for a big lump sum and fun fact. you are saving zero cents so I'm a. little confused how you're paying this. big lump sum of a substantial $3,300. your largest debt we've looked at so far. you have a card coming up don't you cuz. we saw that in the fold that thing at. the.

beginning okay mushroom Forest M we do. not do not need to finance mushroom. Force energy drinks mushroom Force have. look she has the CSUS right now yeah. like she is addicted she really is oh. wait no no no no what is this is this. PayPal. credit please don't be I think PayPal. paying for. guys should we start Hammer paying for. because apparently that's just a better. business model apparently that's yeah.

they're down they're down let's let's. just say let's just get rid of all our. morals apparently the way to make money. is just create a service that'll people. and that actually makes people sign up. more they're like if I can get Fu that's. what I want to sign up for well actually. that makes sense. but make a good point maybe we can gift. you an accounting certification to. course careers my boyfriend's an. accountant there you go you guys can. Bond over that but it just might be good. for your career area manager just being.

able to manage the finances a little. better fully understanding how to. process those systems I think that could. be helpful I'm glad you like your. job I'm just seeing here I'm seeing all. this cop spend and I'm like okay so. what's wrong in life thought you know. sometimes people hate their jobs so they. just go and spend like wild but you. you're just like um stupid so. PayPal or or or is there something that. I just don't know about would he be able. to tell me something like what has this. cop's been um I guess I've thought about.

it I grew up really poor and I think. that now that I have the money to buy. the things that I want that I couldn't. get when I was. younger I just have all the freedom we. did an. opposite that's so funny it's not funny. cuz it's in your life but sounds like we. came from the same place I don't know. what you full background but I grew up. little lower middle class if you're a. content creator or want to start keep. listening the hardest part about making. content is the time commitment between.

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desk at an eyewear place like they made. minimum wage and it was and they they. were they got a very small starter home. at some point but when I was born uh we. lived in my Grandma's place cuz they. couldn't afford anything and eventually. we lived in an apartment then they got. like a two-bedroom small house you know. I grew up with that too and any kind of. nice stuff we did get throughout my life. it was all on Deb so I thought okay. maybe we were doing okay but but maybe. not you know we grew up also. poor not not poor and you probably.

didn't grow up poor either but lower. middle class I'm going to just assume we. came come from a similar background but. we went two different. angles you went I couldn't spend money. when I was a kid just like I couldn't. either so I'm just going to go blow all. my money and continue that cycle of. poorness and I went okay I grew up where. we couldn't just spend money and do all. the things that other people did or have. the nice cars or anything that other. people did have the nice house that. other people did all that stuff so I. chose to correct the behavior that got.

the household in that place I chose to. better my life and try to learn how to. budget learn about finances learn about. real estate learn about these things. that actually make an impact so that I. could live the better life so that if I. end up having kids they don't have to go. through that. situation we went two different ways and. you went the wrong way and you are going. to continue that cycle if you ever have. a kid with that dude. if you're bringing these finances into. this marriage with your $ in retirement.

your kids his kids y'all's Collective. kids are going to take care of you. because you never saved up a single. scent in retirement and it is not their. responsibility but they will they will. they didn't consent to coming into this. world you chose to bring them in but. they will cuz they're not going to let. their parents die under a bridge but you. save up Z as an irresponsible. 30-year-old not yet. you're being a spoiled little brat.

because you grew up lower middle. class most of us were. there well I don't know if that's. statistically true but you and I were. there. mhm we can go two separate ways and. you're going down the bad path where. your kids are going to go through the. same as you and if that's what you want. congratulations you're doing that very. well next Ally okay you said Ally was. with a car so is this a car yes. all. right what do you got I have a Ford.

Fiesta 2019 okay how's it doing good how. many miles 80,000 okay you ow. $1,198 59 we have a minimum monthly. payment uh. $361 156 so you got this before. bankruptcy when did you get this I got. this the October before bankruptcy so a. year and a half ago jeez okay what's the. term on this o probably like six seven. years whatever the longest is eight. eight probably eight then [ __ ].

kidding me what is the interest CU I. don't see it um I think it's 9.8 okay. well that's not good you're not really. beating the market even if you are. invested which you know you're not so it. doesn't even matter so you're just it. plus depreciation whatever oh no way oh. for f sake it's worth $. 6,881 and your few oh come on I didn't. have a lot of options. kiding what do you mean you didn't have. a lot of options what what is that go. ahead go ahead cuz this was before the.

bankruptcy which was worked out fine but. that was when I I already my credit was. tanked what was it do you remember. probably like 520 oh Lindsay's going to. check on the boyfriend seeing if he's. like revving up his anger muscles. hearing me yelling at his woman but um. yeah so to slap me oh he's going back I. think he has to pee are you peeing he. being a little peey he's tall what the. is happening here what have you done. that dude's going to murder me why' we. allow that into the.

studio oh. $668 on here that's crazy you're. underwater by a th $10,000 so there's. like no exit strategy here other than. repo forget and. die I don't want that to happen nope me. either with a 9. point yeah I think it was I can't. remember honestly cuz I remember when. they first when I got the car they were. showing me interest rates of like 19 I. was like I guess that's what I have to. do and then came back to me and said. they lowered it to like 9 point. something yeah but I'm guessing High n.

is close to 10 oh yeah yeah so what do. you mean you had no choice though you. just a't talking about the debt itself. cuz this car was obviously a bad. purchase yeah so the car that I had I. had a really nice car before this car I. had a BMW and I had that for like 5. years and it started to die on me um. burning coolant and all that fun stuff. and so I didn't have the money to fix it. so I traded it in oh you rolled over. negative equity did you roll over. negative equity I broke. even they they already gave me gave me. oh so you did O on it but when you.

traded it in it broke even yeah okay. this this puts you in a pretty okay. position relatively so what's the big. issue. here another big issue is my mom. co-signed on it and she wanted another. one's mom she wanted to refinance wanted. me to refinance a year in and it's been. and it's been a year and I haven't. because you refus to live up to the. promises you ever make man because. you're a literal child throughout life. yeah I'm trash talking to your woman.

what are you going to do about it come. fight me so two people's moms now you. have [ __ ]. over two people's moms you [ __ ] over. this is a pattern for you this is not. good this is not good and does he know. that fact yes okay and yeah he chooses. to be with you okay yeah he loves. me yeah I don't know that shows some. questionable morals in my book. you don't care about them enough. to pay them back with it's owed this is.

just refinancing to lower her risk. profile what's your credit. today six between like probably like. 6:30 obviously they're going to see the. bankruptcy and that's not going to be. thrilling when they see that to. refinance I don't know what your rate's. going to be something similar or. something. higher yeah when I got the car I didn't. have my new credit cards at the time you. talk about credit C they offer. refinancing every 5 seconds in Credit. Karma this is like a oneclick thing for. you you're just when you made the uh.

excuse like oh guys it's so easy it's. not my fault it just showing it in front. of me no you were choosing which ones. the click in front of you cuz they show. refinancing there just as much I stay. out of that tab yeah I'm sure this. [ __ ] horrendous and you can't get out. of this and now she has a she's on a. loan that is negatively or just. overwhelmingly underwater with a huge. term meaning how old is. she 52 she's going to have this almost. leading to 60 on her. credit you have to.

refinance okay let's see for your net. income this car payment I can do basic. math that's 10%. so yeah if you're gross I mean. technically this fits in the money guy. rule of 8% but not really because it's. only three years is the term they allow. so this car is well the loan was too. expensive for you you over purchase. though you got not a bad deal on this. car most likely I did I did you said. this was a year and a half ago yeah okay.

a year and a half ago it's you weren't. in the insane insane insane used car. market great no is it great now no but. it wasn't stupid 2021 excuse levels 2022. excuse levels of getting into a car this. dumb how how long did you look for a car. not long cuz my car was breaking down it. was like within a matter of days that I. went to that dealership and my dad. actually went and talked to them before. and said hey she's coming in help her. out so I went in the next day and they. showed me the car and I was like what's.

my second option they're like you don't. have a second option cuz my credit was. so bad that's what they told me and I. was kind of in a buy I needed a car so I. just pulled the trigger could it would. you just saved money you would have. actually saved money if you ubered for a. little bit and took more. time Uber's expense I don't think it but. you would have saved money you were at a. 10% interest rate essentially at in 8. years and you're putting your mom's. entire entire credit at risk you would. have saved money if you Uber those. payments though for now you're de you're. pushing back your othering payments on.

credit cards and stuff listen if you're. if you're pushing off other payments. because you cannot afford. them you're saying you're making those. payments is that what you just said did. you just say that is that a word that. you just said are those words are those. complicated air flows that just made it. over here guess what you went through. bankruptcy cuz you couldn't make. othering payments so you chose to make. that one but you were not making your. other payments you were just pushing off. the other payments meaning you were not. actually making your payments okay you. chose to make this one specifically but. you're putting off other money you could. not afford it if you if you were able to.

afford it you would have this and make. the other payments as well but you did. not you're not able to make the affirm. payments so you put them on a max out. credit card you cannot afford this you. are not making the payments in an. accurate Way You Are Over by double you. are not you are going into debt never. say that again that is cope that is not. real that is [ __ ] you are. bullshitting yourself that copard $112. in a checking account but I make my. payments $112 in checking account. winning got some BS energy drinks let's.

call it Amazon energy drinks energy. drinks kudoba expensive kudoba by the. way the ques is free there and it costs. this much what are you doing you can't. go to kudoba anymore you got energy. drinks alha clothes great cuz we don't. have enough clothes we're not getting. clothes every second of our life Amy. entertainment Annie entertainment what. is this that's a at the bar like the. little juke box spending money at the. bar now you're why why you know why why.

why pay my future mother-in-law back. when there's a juk. box makes for oh good we did it again. juk box and Amazon and Amazon and an. apple Bill. and energy drink and 18 $300 where the. did that. go you don't even know $300 is a lot of. money that's 10% of your income you. didn't know where that went probably so. whenever I owe my boyfriend money like. for example splitting like cost or. something like that sometimes I'll wait.

oh for death and I'll you'll wait and. then you'll pull out a huge amount of. cash sometimes stop yourself sometimes. it'll be like venmo sometimes it Cas. stop yourself Amazon Netflix an energy. drink. Microsoft like Game Pass or something. are you a gamer I think I bought a. trivia game for [ __ ] sake stop you don't. have money you just spend so much that. you just don't have it's as easy as that. Amazon 91 bucks energy drink kudoba bull.

Target probably Amazon oh they just. called it something I wasn't even seeing. there there it. is she's still doing it guys she's still. doing what are all these deposits. earning earning earning earning earning. earning earning earning youing kidding. me it's earning every second of your. life kidoba Spotify you can listen to. ads. H you can do it if we're literally. taking out payday loans I don't care.

what the weird Pearl clutchers on the. internet say that take offense to. everything if she's taking out payday. loans maybe she can listen to ads it's. not about Spotify I don't give a I have. Spotify I love it it it's not about. Spotify it is everything adding up I. don't know why people have taking weird. offense to that. online energy drinks Ulta energy. drink the Koke again are you kidding me. Taco Bell Ulta noodles in company sake.

went there once got diarrhea oh. ca what the is this. cin Geneva I have no idea what you're. talking you spent 36 bucks there. simos. slock Sim Sim. simonos Geneva. it's an Italian restaurant I'm being. told v m out.

money drink oh look at all these. earnings you please tell me you're not. one of. those dumb who tips on earning well well. what is if you response is like that the. more you tip the higher amount you're. allowed to pull. out so if you give them extra money you. get to take out more yes. but you're paying for the privilege to. take out more you're paying a fee yes is. how that equates you know that's stupid.

but if it helps me from going negative. in my banking account no you know what. would help you not paying for karaoke. and energy drinks and Italian. restaurants in Taco Bell and all this. [ __ ] hundreds and hundreds and. hundreds of dollars maybe we do that. instead of tipping a micro payday loan. [ __ ] thing huh yeah maybe that makes. more. sense so that's so stupid energy drink. Amazon Amazon Lush you don't get to get.

Lush and an apple it's it's still going. it's still going yeah you're at a $400. plus dollar deficit with earning over. that period oh. yeah which by the way your bull is more. than that so I think it's a. joke I think it's the. disgusting cuz I'm going to pay her back. in a lump sum when I save that up 0 in.

savings let's get your budget two 3,600. kind don't like when I'm being mean and. angry it's a it's it's been a long it's. been a long time I mean I roast but I'm. being a dick cuz you're a dick to. everyone in your life which is the way. you do it not even by your by your. actions not even by your words or. anything you're just aing tit dude. I've never been called tip well you are. I know you get the coverage for them on. Amazon but you are one where your face.

next time you come in here monthly. payments four now I know a lot of them. go away pretty quickly because of the. affirms but I'm sure you'll borrow it. immediately eight8 $843 185 but you. probably owe like what 400 to earn. in probably endlessly repeating cycle. yeah what's your portional rent $8.90 oh. including water what about gas and. electric um my half is usually since.

it's winter it's been about like. 150 okay an apartment okay is it a house. it's an apartment but we have like the. baseboard heating internet he pays that. okay gas vroom vroom drive drive I would. I drive a lot for work so I'd probably. say you work I oversee five gyms so I. could go yeah between gyms you're right. how much so I would say like 200 a month. they don't reimburse that they reimburse. um. 6 but that's included in your net income.

that you gave us so yeah okay insurance. car insurance 120 for car insurance you. have any pets I do what I have a chaa. wiener dog his name is chunk how much. for dog food um 30 a month he's tiny pet. insurance. no what I've looked into it and because. he's so old. get it yep and that's fair you can. contribute $300 a month to the grocery.

pile for the household you do not get to. go out to eat TP fund anything else you. need to survive this is where you can. put a little bit of Ulta. $100 Medical Healthcare anything um. insure or insurance is included in my. pay but I my medication is probably like. 40 a month the the zic I'm not taking. that anymore I sto that oh why I only. took it for a few months cuz I wasn't. seeing as much as I wanted to see so I'm. like it's not really you still have to. put in the actions it's the same with. bankruptcy you don't see what you want. if you don't put in the actions so it's. a dissolving tablet mm did you have side.

effects. no but it got rid of hunger yeah yeah. you take it a half hour and right away. when you wake up in the morning wait a. half hour then you can eat and drink. like normal but aren't you supposed to. not eat and drink to eat and drink but. it just lowers your appetite it. works it's not as much as I wanted it to. well it's it's a tool it's not a okay. whatever it's the same thing with like. the stomach surgery you get 98% remove. but it's aing you can blow it back up.

okay subscriptions no pet insurance. no no savings okay anything else that. needs to be in your budget that I have. not taken account I don't think so okay. what we're going to. do cuz he's a bit more of a private. person which I respect we'll bring him. into the post show and we'll confront. we'll have you actually confront him in. the post show I also need to talk to him. about your just your morals and just how. you're just everything up this is stupid. you could have paid her back by now you. have an extra $1,000 a month I don't. want to hear it.

$2,673 185 to survive I'll give you $100. for fun. congratulations cool yeah you should. have paid her back you're a dick but. we'll bring him into the post show and. it'll be good and make sure to join. Elite if you join Elite we'll pay for it. by the way so it's like 10 bucks but. we'll literally give you a gift card. after you sign up and show us that you. signed up um so we'll pay for it it's. essentially a free trial since they. don't offer free trials on here we'll.

pay for it so go ahead and join Elite. the hammer Elite and we will pay for it. for you you have an extra $826,000. [Music]. okay cool from there take care. of your well yeah take care of a firm.

after that in your next month should be. chill your or Ally card actually in the. second month then the affirm in the. third. month then you just owe money. Lane. her and the car this is not that hard or. Mission Lane Mission Lane you pay off in. 2 and a half months so we're like 5 and. a half months in and then. his mom you pay often let's call. it also three and a half months just.

about. so nine months total then we have the. car now the car is not. good but I think what we're going to. start doing for the car no we'll be at. like 16 we'll be at like 15 750 at that. point and at this point your your. minimum payment is going to be much. larger that you have to you can throw. about ,000 hours towards it at that. point. you'll pay that off in a little over a. year so we're going to call it a year. and a half and then round it up to two.

years for the fully F an emergency fund. $10,000 or so for you you're in a fine. position it takes two years you're Deb. free and you have a fully funded. emergency fund you contribute 20% on a. monthly basis to retirement and you'll. have a chance of survival this is just. selfish this is selfish the fact that. you have basically $1000 left over. before I give you any fund money and. you're not paying anyone back and you. haven't refinanced your car you haven't. done anything and you have credit card. debt and you're taking out earning. you're selfish you're immature you're. being a Bab baby so from from now that's. your budget again take all the. educational material use the simpler.

budget app and I want to see you here in. a few months on this financial audit. followup Channel okay got it make sure. to join Hammer Elite we're going to. confront the boyfriend situation in the. post show let's get your Hammer. Financial Score first though spending a. budget it was double 0 out of 10 debt. you family member you're taking out. earnings 0 out of 10 kill me now. emergency fund $0 Z retir 0 real estate. 0 Hammer Financial score you said 1.5. out of 10 you here's the fourth one. round it. up Hammer Financial score 0 out of 10.

guys joinan Hammer Elite I'll pay for it. it's super fun come hang out with us. thousands of hours of extra content and. don't forget to join the simpler or. download the simpler Budget Mobile app. take control of your life your money. your budget for the first time ever I'll. see you in the post show she has hidden. this behind your back and I would love. like her to tell you exactly how bad the. situation is this is news to me this is.

that's uh it's a red flag she doesn't. give a about your mom and that's. probably the biggest part she says you. don't care she says you don't care is. that true I would say it's true that is. brutal whatever conversation you were. going to have in the car on the way home. why don't you have it now go ahead. thanks to watch the financial audit post. show click the join button below.