She Tried to Manipulate Me | Financial Audit

hi my name is CA I'm from Oklahoma I'm. 29 years old and this is financial audit. thanks for coming down from Oklahoma so. what do you do for living up there I'm. in table games table games so the casino. life yeah yes what what what do you do I. right now I'm just in I'm just in. blackjack but I can deal almost anything. interesting okay yeah that's something. we haven't had that position before what. what are you making in this position. well as far I'm making 13 an hour base.

rate and I'm just started that seems oh. well you just started okay what what. what does it typically go up to what. your colleagues making uh I haven't. asked but I worked at this position like. kind of recently in the past couple. years and it was about like 1,500 you. left and then came back. yeah okay so 13 bucks an hour how many. hours a week uh each day is uh seven and. a half hours and how many days uh five.

days a week now how many days or weeks a. year do you take off is there paid time. off what does that look like there is. paid time off but it's kind of hard to. get it considering like you're in the. casino business and they want you on. weekends and then people are fighting. for weekends it's hard to just get how. often do you take time off that I'm just. trying to calculate where your yearly is. so we can then just okay well let's just. times this by four let's just call it. that that would be 1,950.

a month before taxes mhm does that sound. like what you're making I haven't made. my first paycheck yet but you've worked. the job before yeah I've worked there. before what were you making in the. previous position hourly um it was cuz I. I was a supervisor I made. 1330 and okay and then plus tips which. is very rare cuz generally other table. games they have a set rate for. supervisors I it say 1950 a month okay.

which by the way it's $23,000 a. year how were we. surviving Oklahoma is not the highest. cost of living state by any means it's. not that's a very low income also I. should bring up before you answer mhm. just brought to our attention someone. was going to be sitting with us today. yeah yeah we've decided that's no longer. going to be the case unfortunately I. would never encourage it but I'm I'm sad. to hear and it's because we were going.

to look at a dual income situation we. are now headed towards a uh that. marriage is no longer going to exist yes. that's correct okay go ahead all right. so you need context and this is where. the context is going to come in. sure so basically I've been in table. since. 2017 in 2019 my grandma passed away I. went out to North Carolina and that's. where my tribe is Eastern band of. Cherokee Indians Okay so I was I went.

for the funeral but then I met cousins. and they were in table games and it's a. big Casino cuz like for me I didn't grow. up there I grew up in Oklahoma with my. mom she's commanche. so basically I go out there I start I've. G I basically because of my money. situation I've never really had to reel. myself in if that makes any sense cuz. I've always just kind of had excess ever. since I've been in an adult yeah uh.

we'll get to that later so I go out. there then we go into one room and then. Co. happens then I I'm able to move into my. grandma's house but it wasn't completely. emptied out so it kind of felt like it. wasn't my space and I was paying my dad. some rent like 500 a month so I was. helping out but then my grandma here she. got sick and she's like my. mom how's she doing.

she didn't make it I'm really sorry so. whenever I heard. that I was so. angry so angry and now that she's passed. I realized I was so. scared of losing. her so that whole time I haven't been. myself was since since when since I. found out like at be like at the end of.

2021 and beginning of 2022 it's a while. now that's like leading into two years. she had cancer I came out here and then. earlier this year she got pancreatic. cancer oh my gosh and it was just it was. fast but in your heart sometimes you. just know right you just I knew I had. limited time with. her refill please. so basically.

I was just surviving yeah I've been just. surviving ever since then I started. table games jobs when I wasn't in the. right mindset I was in tried not to be. in positions of power but I felt like I. could help so I I get I I stepped up. even though I wasn't ready. to and so now I'm just dealing I'm not. in craps right. now I. have.

go. ahead and I was depressed for a really. long time yeah she passed away um in. July oh jeez of this year so basically. what you're seeing right now I'm getting. out of the. depression. I'm and I started watching your videos. on Tik Tok.

and. like I was like let me just put my. situation in because my grandma if there. was any kind of big major situation it. was going through. her I don't have someone that has any. kind of financial knowledge that I trust. so do you feel like in your life at this. point you have any parental type figures. at this point or do you feel kind of on. your own like when it comes to that kind. of support when interesting thing is.

like everyone views me as the parent. okay you're the mature one I'm the. mature one I'm the one. that so um you obviously came back to. Oklahoma for her correct yeah okay you. went from North Carolina do you want to. stay in Oklahoma is there any reason for. you to stay in Oklahoma anymore or is. there somewhere you would rather go do. you want to go back to North Carolina do. you want to pursue something else or do. you want to pursue a career in this cu. know industry well it's kind of like I.

have all the games there's like really. nothing more for me to learn and then. I've gone up to supervisor positions and. I've seen what it looks like up there. and I don't want to be a part of that. political what do you want to do I don't. know what I want to do you don't know. okay and that's okay nothing wrong with. that well see here's the thing is like. I'm going go ahead and give you my score. I think it's at least a two really I. have a house and it's paid off ah two's. going to help oh paid off house it's a. little what's it worth it's like when I.

bought it was like for. 33,000 it's a little baby house what's. it worth now I have no clue it's when. did you buy it about 10 years ago 10. years ago you bought it house at. 19 I have perk cap. yeah which okay so you obviously can. take advantage of different programs. right no across the board no no because. I'm not in that area it have to be oh. okay so so like I'm like I'm command and. I'm a descendant and sometimes just.

being native I can get benefits but I. get the most benefits of being in North. Carolina on my tribe so why not okay do. you want to go back to North Carolina. not saying just chase the benefits but. like well I I but it's so difficult. because basically it's like a. reservation but they call it on the. boundary and it's not like you can go in. and just get a house however you want to. where is your house my house is in. Oklahoma okay explain. this so basically with Indian casinos.

the you know the gross revenue that's. made part of it goes back to Indian. services and part of it goes back to the. tribal. members okay so that's pay that's your. pay I thought that was some potential. benefit of some kind as we were uh doing. some investigations into that is this. you know screenshot so it's always a. little harder for us to tell but. yeah okay so what you.

you that was pay from when or what or so. basically every tribe like not every. tribe gets per cap and how my tribe is. kind of How It's how it has so much I. get this about twice a year is because. extra on top of your pay on top of my. pay okay see that's what I was asking so. it is it is like a what so twice a year. so you get an extra $155,000 a year well. this was a low this year is a low year.

but last year I got 20,000 how does it. dictate low or high just how well the. casino is doing uh okay so that's my. thing is like I need to start getting. financially together because I don't. know how long the casino is going to do. well for when does this hit uh it hits. in June and then it hits in December but. what I've been doing is I've been doing. the Gen well because I get 800 a. month okay so that comes out per month. then instead of twice a year yeah so. whatever is extra I'll get in uh June.

and December wow okay very cool so you. gave yourself a score of two yeah even. though the very first thing in front of. me I see a 18.5% interest rate on an. account balance of. $7,650 yeah what the is that that's. a that was like I need to get out of the. house what is it though what's the debt. it's my car that's your car that's my. car what what kind of car it's a Chevy. Spark.

2020 so I need to get out of my house so. I borrow because tens of thousands at. death interest Insanity kill me percent. it was so basically when my grandma. passed away I was going to take over the. payments on the car which was like 600. something this car not this car it was. like a Honda or a Honda Accord Hybrid. okay but then my mom she wouldn't let it. go so then okay I wanted to at least pay. that 600 try to maybe refinance it but.

then she let it go and I got repossessed. and in the midst I'm like I need to. start getting out of the house I need to. start getting ready to get a job so you. did not have a car at that time no well. no. go that just broke my brain you said I. need to start getting ready to have a. job yeah getting ready to have a job so. that's when we go borrow 20 whatever. ,000 you had at the time with a minimum. monthly payment of $414 at 8.5% interest. rate to then go get a job you didn't.

have a job first before at least taking. this out I could see here was the thing. when I apply with the experience that. I've had I get jobs fast this even still. that is a risk profile that is Way. Beyond what I can comprehend and accept. for myself well at the time my husand. was making he's making enough he was. making enough how has the across the. board MH this last year you know from. this time last year to now mhm. what do the household income B across.

the benefits across your money across. his money what do the household income. bend that it let go so we could say if. we're going to say that this is going to. be the. 15,000 um I only work I worked from like. January until the beginning of August at. my other table games job and then he's. been basically getting about. 1,800 per check on his checks by weekly. mhm so you guys aren't making a killing.

but you've lost half the household also. you guys were going to come you guys. okay you guys were going to come on yeah. what happened between your application. and now as the holiday season approaches. a lot of us will be spending more and. more time with our families if you're. like me you know how important it is to. spend time with your loved ones and also. know how great it feels to make sure. they're taken care of part of. safeguarding your family's future. involves planning for the unexpected.

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so I had. thought well here's the. mindset I knew these kind of questions. were going to be asked to me and I was. like well I'm just chronically depressed. and have chronic anxiety but I've been. going to therapy since I was 16 and when. I go in there there's really not much. they can do for me cuz I can read my. situation. ations a lot of it was was because I was.

trying to make my grandma. proud I was trying to be perfect and I'm. not perfect no one is but that was the. kind of weight I had cuz it was like my. mom she doesn't get she gets per cap but. she don't get this kind of per cap so. there was a lot of shame in my money. there was a lot via her or via her like. even before I got my big per cap it was. like I want a car and then I realized.

these are triggers I had I went on like. a Tor spin cuz I basically asked my. husband I was like. hey I just want to cuddle I need. something I need I need. something I gave it to him and he never. reciprocated okay and then after that. happened I beat feet go into my room on. the phone what uh PV be feet like I'm.

about I'm like already I'm getting on. toured I'm looking I'm trying to I'm. trying to find the comfort in it yeah. and then I realized after I ordered it. he's my. trigger he's what's. causing all of these things of like I'm. spending money when I don't even really. want. to and so I'm like I need to get out of. this I've been talking about it with him. for years you need to go to therapy you.

need to go to the doctor he's gaining so. much weight I'm worried about him and. it's like I'm babying him and he needs. to grow up and I can't keep going down. to his level trying to get him back up. because this is where it's got me okay. and that's essentially what it is is. like I've had to break up with my best. friends that I've known for years. because they've they've just they keep. using. me like how. so it's if it's for not it's if it's not.

just money sometimes but it's also. emotional support like I like I'm the. mother figure I do what I can to make. sure that everyone's okay have you. broken up with all your friends no I. have my best friend Ivonne she named her. child after me okay and you guys are. still friends we're still like we're. still good friends but she's the only. one who's like not made me be an. enemy oh. okay so I have to interject little.

interjection in this video to talk about. some I guess it would be drama but it. actually pertains to this episode not. drama I don't know um at the point in. the episode that you're seeing right now. you know that she is blaming everyone. everyone around her instead of taking. accountability for things like everyone. around her is in the wrong not her. except for her you know best friend that. is on her side in these context of these. episodes they're the only ones here I.

like to listen to them try to understand. their side and be on their side as much. as possible well of course if the other. person from a different party is on I. can be a little more objective and back. and forth so going with it trying to. support her as much as I can as we'. support every guest a couple days after. this episode C uh was recorded we. received an email from her saying that. we are in the wrong me and my team that. we are against her that we are the evil.

ones and we hope for her to not succeed. essentially really just manipulating the. conversation just like she was. manipulating it around the original. conversation saying that everyone else. is in the wrong so I wanted to interject. this video and just let you guys know. just how this conversation was. proceeding after the fact and that's. that's it's hard to do you know we like. to give guest updates and everything and. normally we wouldn't like just throw. something like this out there but in. these conversations and why I wanted to. record this it just just clear clearly. shows and I know you know you're going.

to see this uh and I hope you do if. every single person around you seems to. be the problem every single person new. people at different times not. collaborating seems to be the problem. then maybe you're the problem and you. shouldn't manipulate the world in that. kind of way in that kind of head space. it's counterproductive it just doesn't. work and you need to work on self change. so just wanted to interject this because. it's a important part of the story that. has continued to happen happen before. the upload so let's get back to the.

video and that's what it is is like. there's the jealousy because I have. money because I was you know I was. married even though it wasn't happy. everybody had this view of. perfection yeah and I'd rather just not. have to deal with my husband and his. issues if he's not going to get it up. cuz I want a family one. day okay and. you yeah you recommended and talked.

about coup's therapy we've done coup's. therapy and I gave him the date like. okay put the date in your phone and and. it went by that was his responsibility. to meet me halfway and he didn't he. wasn't on top of it how long you guys. been married for four years I'm sorry. it's really difficult it's really hard. um obviously when it comes to all the. friends things the mom thing the the you. know the husband thing I I just have to. you you know be the person from the.

outside perspective and just say we're. only here in your perspective your side. but as you're the one here on the table. we're obviously going to listen to you. and what you're saying with it and we're. just going to go off your your. perspective uh for the conversation uh. so I'm really sorry that's hard um. that's really difficult and it's. something I would never want anyone to. go through any kind of breakup um you. know whether it be friends whether it be. a spouse anything like that and the. separations and family it's very hard. very hard and I'm glad to hear you at. least try to take steps in the.

relationship side of it of trying to go. to coup's therapy and have conversations. um it it wasn't it wasn't like it wasn't. something where it's like I was done it. was like this has been on my head for. years no he was going to come here he. was going to come and he was going to. you know sit but then it was just kind. of like I got to do this journey on my. own I'm picking peace over chaos when's. the divorce we haven't said anything we. kind of I kind of want to get us both. kind of out of debt out of like as best.

as we can before we get out we see I. don't know so we're going to use the. Dual income together to get each other. out of debt he's not my enemy no I know. no I know but if we we've if we've. decided that we're just we're not in it. totally together for the end are we. using dual income your income plus his. income to take care of your debt and. then to take care of his debt yeah so. we're co- tackling yeah debt before we. separate yeah. okay who is that.

okay because if you can it's I mean. you've decided to go your separate ways. meaning like financially we go our. separate ways kind of but I don't know. he's still like my friend no sure but do. you does do your friends pay off your. debts and do you pay off your friends. debts I mean I've helped my friends out. a lot come on though do you you you. don't you don't understand I've helped. out so much no I know but debts aren't. attached to you in your name and you.

don't go and pay off every single one of. their debts I'm not talking about. helping here and there but he's I've. asked him and he said he would. help okay I mean you guys have your. relationship and that's my thing is I. also want to but not be fully on he's. going to help me 100% I talked about. financial uh Financial splits for the. divorce the house and well the the house. goes to me and he's already in his own. apartment he just got his own apartment. jeez this happened quickly it's not like.

you applied a long time ago no it was. like he on the first or on the 31st he. saw the apartment then it was like put. in the application and that next day wow. he was out it's meant to be I know it. doesn't it seems crazy but it's just. meant to be there is his name on the car. loan yes okay both of our names are on. both of those car loans so the second. one that I was about to bring up this is. another car is this his car yes or it's. a truck okay but your name's on it mhm. yes that sucks what's the truck uh Chevy.

Colorado I think it's a year. 2020 one we. owe kill okay $. 32,7. 7614. 813 you said he brings in 1,400 per. paycheck no he brings in 1,800 1,800 per. paycheck and his payment is $813 a month. that's Insanity that's ins Insanity.

that that's Insanity yeah no wonder you. guys are trying to do dual income. because you just like how would you each. of you survive on your own doesn't make. any. sense so he brings in 3600 a month yeah. the car payment alone before taxes get. taken out before anything the car. payment alone is 23% of his income. before. taxes. see what kind of led to that decision.

was I was coming out to North I was I. was moving back from North Carolina I. was like at the very least let's get. down to one vehicle because at the time. we were both for both of our we come. back full circle but at the time I was. it was like 1,200 a month for both of. our vehicles and it was just well and I. me it still is it was but now I'm. working at the time I wasn't going to. work I was going to take care of my. grandma you yeah you really don't have a. choice at this point so it was like go. from.

1,200 how you guys were surviving before. that I really don't I I get the per cap. comes in uh but I mean that's. not yes a. $155,000 bonus or raise essentially if. we calculate it like that's nice. but jeez with these card payments it's. wild purple LLC mattress yeah okay I. need we needed separate rooms and I got. my own mattress. when was this well it's almost done it's.

almost been a year wait so you've been. uh separ rooms for a year off and. on. okay you're right it is almost done I. thought I had the interest somewhere uh. that that doesn't have interest on it. it's interest free mhm. gotcha so yeah you've paid 128. 8321 and you have this is. paid bi-weekly uh monthly but there were. times where I kind of was behind oh so.

it's 241 a month no that was a double. payment huh that was a double payment. how much is it a month it's the 120 okay. I'm glad I'm good with interest free. things but the the the reason why I. think you did this is because you just. don't have the money because we don't. make money because we are in insane. debts with insane minimum monthly. payments. it's you finance it on of necessity. versus finessing the system I just. wanted sometimes I to spend money to. spend money and not the purple was to.

spend money to spend money not this one. this was that was necessary but other. situations I just spin it to spin it. okay just one purple mattress though one. purple mattress new EG computer you're. gaming me yeah what are you gaming cozy. games I don't know what that is that's. like stardo Valley that's like you know. oh you don't need much for a stardo. valley it runs out of switch well then I. also like Borderlands too like all the.

Borderlands series and help I like. Borderlands too as well now I like. Borderlands as well uh. okay was this was this a full build. oh yep. oh okay listen dude I'm playing City. skylines 2 on my gameing PC couple rooms. over I was playing it this morning I. love it I'm going to play it this. evening I love it it's great I would. never in my life come close to paying.

3598 interest rate on the machine to. play. that was this the Entire Computer no. what was this this was just the computer. huh it was just the PC part what part. like the PC the build a part it doesn't. have the monitors it doesn't have the. this was the tower though so this was. the Entire Computer okay yeah okay see. you talking words I don't know and and. honestly yeah tell got by new a cuz you. didn't even know what a PC.

meant well I kind of and that's the. thing is I want to pay that off that's. one of the things I want to pay off. first what's left on it oh. yep you've only paid. a only paid. 15444 can you pull up your just phone I. know you have to turn it back on well. can you just pull up the order of this. can I see the order can I see what you. bought so we owe.

$1,698 death 85 at an insanity interest. rate Insanity interest rate of kill me. 35.99% ruined my entire. life. 7722 minim monthly payment so stacking. up are stacking. up so you send them a text yes okay the. is this what is it oh.

collections uh yes Vivant I think what. was this collections for let me. see I'm pretty sure it says Vivant on. there that's what it was from originally. yeah uh Event Event it's like home. security oh so is it super dangerous out. there yes is it okay I was not in a good. area was not no now I'm in like a. slightly better area yet you still owe.

on this yes great why did you not pay. this when did I not pay it this why did. you not pay. this a lot of it was because I was. trying I moved into a family house so. I've been moving around from here to. here to here to here I was living at my. grandma's house my great grandma's house. I go in there trashed there's ARP money. there was 30,000 that we were going to. get from the tribe that was going to go. into the house to fix it up I go in. there I help fix it up but basically it.

takes the process just took forever I. didn't it anticipate it taking that long. so I bought it to like just set you know. put up the sign put up the doorbell but. by the time everything came around it. just I never was able to do it and I. just didn't talk to them to try to keep. up with it which is completely my fault. okay so you just weren't organized you. didn't care you just around mhm okay. great have you talked to them M at all. no okay so the new egg order went to.

your husband's email or whatever M oh he. he's the one that ordered. it six core. CPU 16 gigs 3600. ddr4. Ram one terab SSD 3060 I for the games. you're playing this should be this is. fine this is fine when you got boned on. the pre-build there's definitely a few. hundred bucks always added in there. versus building it yourself but yeah. okay is this another collections no what.

is this this is it's just the it's the. car it's the same car it's so I already. looked at this yeah you already looked. at this this sand goodness so I already. looked at this yeah you already looked. at that thank cool this credit card it. looks like you pay it off that was just. for one month I was working really hard. and we'll get into that a little like we. get into it now what okay so there's my. grandma when she passed away I got money. I got some insurance money so I've been. that's how I've been surviving is her.

money. so I was like okay well let's pay the. you know how much money it was like. 30,000 okay and I still and I have. 10,000 left and then so there was a. balance on this card and you've paid it. down do that no I've brought it back up. what's it at and why you work so hard. you used the money from her Legacy to. pay it off that's awesome why are we. putting back on we can't do that that's. that's that's doer disservice to.

yourself but what's the balance at today. every okay every day I was taking like. Edibles and like high Edibles and I was. gaming dissociating out of it and so I. needed to go home I needed to go to. North Carolina I needed to be people. that care about me cuz it's been bad at. home what what's the balance I'm sorry I. I'm still using it like no no no what's.

the balance right now I can't tell you. because well let's pull it up then cuz. um it's okay go okay it's like almost. maxed. out and like it when I I've been using. like the Love's gas pumps and they've. been charging 175 instead of like a. dollar for the gas. sometimes it's not almost maxed. out uh you owe 990 mhm uh uh you could. get a Max of 1,800 so not as bad as I.

thought don't complete that with me. saying it's also not bad it is very bad. on a $20 minimum monthly payment. okay now the APR on this good thing is. 28.24 per. if we're not paying that off. every month 28.24. per. I take it we like well we might not. like to but we Vape quite often I quit. vaping I quit marijuana I quit. cigarettes good for you that's that's.

hard it's good job so hard okay tell me. why you quit. cuz whenever I was like the anguish of. my grandma passing away mhm nothing was. fixing it there was nothing I could do. to numb it why did you quit though tell. me why you quit. because I. don't why did you say today I'm not. going to smoke today I'm going to stop. tell me cuz I'm choosing to live there.

you go you're choosing to live because. your life actually matters I need you to. understand that your future matters your. entire you're a human being that exists. on this planet with the rest of us. you get to live if you choose to you. deserve to have a good future you have. to work for it when it comes to the. different addictions of cigarette and. vaping and you know uh weed as well I.

need you to know that though that's. physically damaging to your body. obviously MH this is also damaging to. your future if we're building up a. balance again it is taking your future. away so I need you to realize that you. matter in just the same way as you you. know as you mentally correlated with the. cigarettes and everything yeah your. future matters and you're taking it away. from yourself if we've paid off a credit. card balance and we're immediately. raking it back up well I need you to.

know that well this is where it's like. I'm choosing myself over everybody else. I'm choosing me and that's and this has. been a process that not a lot of people. like and it's been it's been like a. battle like there's a lot there's been a. lot of control over me well I know this. is easier said than done but everyone. else okay that's why breaking up with. people we we help people when we can in. a healthy way absolutely. best way to help people when you're in a. bad situation is often self getting.

yourself out of a bad situation making. sure you're in a sustainable situation. and then you're able to help people. without being you know dragged down as. easily in that same case helping. yourself absolutely but helping yourself. doesn't equal when we can't pay off our. credit card going to Ulta for 87 bucks. LaQuinta in and sweet is that for here. that for the travel here okay so that's. a good investment and uh we'll cover. that and then the in andout like we. don't need. that we went into bies it looks like and.

got a little sodi of some kind I got a. pop I got ice ice I had brought my own. sodas and my drinks I just need ice. Burger King Gordon Ramsay's food that. was in North. Carolina The Vapor thing before you stop. the Joann stores tor.com Joan stores. Elite. Nails Payton Corner Store $200 I just I. didn't know what that was but that's. expensive is that groceries no what is.

it merch huh merch for who for my. favorite. streamer I know I know I did wrong. you're only allowed to buy my merch if. you don't have any debt so you better. never have even considered it so I want. to say go see Payton cuz I'm going to. have to not be able to sport her but. support her via views and you can also. does she stream Where does she stream. she streams on YouTube. okay door Dash door Dash torid torid.

Buffalo Wild Wings torid what's torid. it's like plus-size clothing Okay and. like spent a lot of money there I have. like no no concept of my body cuz I lost. like 60 lbs it's awesome but it wasn't. like I worked for it a lot of it was. like the OIC so I'm diabetic oh you're. okay interesting I haven't met anyone on. that to my knowledge yeah like but it. made me nauseous all the time really. yeah. okay that's all your debt right no we.

have a super secret debt and we're not. going to say what it is but how much is. it uh it's about. 3,000 are you on a payment plan for. super secret debt no how old is super. secret. Deb it's a couple years old I was like. before we came out. to uh before we came before I came back. out here I'm like I want to start to get. I want to start getting it together and. then I was able to put in those. documents but then they needed.

information and I just never gave them. the. information life CAU up to me I didn't. care if you care hit that subscribe. button cuz we're trying to get to a. million subscribers thank you everyone. who has subscribed so far thank you so. much for 800,000 subscribers thank you. for being a subscriber thank you for. being here means a lot putting a. situation on. display putting it on display at the. same time is we have a chime credit. Builder Okay so for the credit building. like this is all I would do for you if. you want the effects of growing a credit.

card and that's why I work with them. it's because it's people in your. situation it just Vibes with use the. Fizz card close your credit cards close. this bull use the Fizz card it pays it. off like it's a debit card every time. okay hold on do that it's worth it the. benefits are more geared towards college. students anyway but it it just works for. your situation how do you spell that f i. ZZ it's also in my description so you. can see it there. okay and then in the credit Builder. we're going and we're doing a stream. purchase and Sonic drive-thru Makeup. Geek Buffalo Wild Wings I mean we're.

just bending you owe the super secret. debt you have these insane 18.5%. interest rates you can't get to the. divorce situation in your mind until. we're fully out of debt as a pair well I. don't want to go fully out of dayb I. just want to at least do it to where. where car payments or his car payments. his and my car payments mine oh okay so. that would be relatively fast like if I. like with the the money that I have I. could get out of it I just that's a a.

lot of money you have $10,000 I have. 10,000 so like as far as like all the. little like you know the PC the mattress. my perk Cap's going to come up I what. kind you got to stop spending money. number one spending money now in a Time. checking account balance you started. with negative $84 negative $84 yes ended. with. zero this is transferring everything. around Apple bills sometime Sonic. drive-thru Chili's uh Manta subscription.

that you cancelled crunchy world that. you canceled AMC Subs you had every. subscription in the world that you. cancelled genwell program what's up. that's the 800 a month that I'm getting. from the per gotcha and then purchase. through Apple mhm just spending. dude says taking control of you you have. $2,000 in checking account the time of. the statement which is good mhm glad to. see that. what I'm not glad to see is we're. drawing $100 from ATM we don't know. where that went Freddy's door dashing.

Wing. Stop uh God love I don't know what that. is um that was when my grandma passed. away I had to um I got we it was both in. our name my. house so I basically had to file to get. it in my name only Microsoft payment of. some kind 50 bucks affirming what are. you affirming I didn't see affirm. statement what are you firming I a firm. payment of 120 that's the M or that's a.

PC oh that's new egg new eggs through a. firm yeah oh that death interest rates. through a. firm okay Jack in the Box Amazon ATM. withraw. $200 Amazon Chief smoking a there's more. Netflix Hulu cancelled. cancelled crotchet Corner Joann store. Amazon hm withraw $300 who knows where. that went and by the way with the money. that's coming out there is not enough. money coming in to support all this not.

even close Buffalo Wild Wings Olive. Garden. Amazon uh some Fidelity Fidelity what. are you doing with Fidelity that's our. um that's our internet Fidelity internet. okay and then withdraw of the ATM $23. where did the where' that go there's. another firm payment Hulu Amazon better. cancel that Hulu. Amazon then your retirement is. $436 which scares me scares the life out. of me for your age terrifies me so when.

I was staying at my great grandma's. house we didn't have a stove so a lot of. that spending was. because we we couldn't really cook well. when did you so how long how long have. you not been in the Grandma's house I've. been there for almost a year so that's. why we're spending so much why are you. not in your own house because I just. went under. they like it was everything's been up in. the air everything's just been unable. why I get a cook toop though a cook top. a relatively cheap cook top or a grill.

we do and then we're just solo. functioning like getting up every day is. really hard not just for me but for my. husband like no I get it trust me I. really do sympathize with it I do is. this going to be unproductive on my side. of the table to just be like oh okay. everything's hard so what I'm going to. say and this is let me finish I got to. say one thing the as far as the stove. was concerned I should have just got the. stove but I had in that house bought a.

stove like in. 2016 and I didn't want to put money into. that house to not get anything back in. it so it was just like I was kept. putting myself lower to them as far as. like my family that doesn't get the per. cap be like okay well I just don't have. the money that's it's easier to say then. no I don't want to give you money and. that and that's like been the shame over. it okay so when it comes to spending I'm.

I want. to I'm choosing piece I'm going to have. to work on functioning again you are and. work with your mental health therapist. on this absolutely one thing I just I I. just want us to get to at this point the. looking back it's it's helpful sometimes. to learn from it and not make mistakes. well let's not be weighted down from it. let's not use. it okay I I want to say as an excuse I'm.

not saying you use it as an excuse I bet. there's a better word for it but like. let's not excuse things let's take. control now let's change our life let's. do what's necessary to make your future. better instead of just grapping on to. the past that's what I'm saying I'm not. going to be a victim to my situations. anymore rule number three don't hold the. credit card. balance tisk tisk tisk rule number four. cars you cannot afford you've broken. this. twice so we're breaking many rules to.

not be. a live someplace you can actually afford. you kick the crap out of that rule good. job killed it you own a house right out. that's amazing it's amazing cuz there's. so much work that needs to be done okay. but that's I mean that comes with home. ownership you own property without and. that's the thing loan why I wanted to. talk about it was because there's a lot. of native like I didn't grow up where. like where my tribe is so there's people.

getting like hundred of like at the time. $100,000 worth of money and that's how I. was able to get a house that way but I. didn't have like a budget set aside for. what you're talking about is like as far. as like putting again yes lots of things. in the past we're looking forward bum. bum that's the Netflix out oh yeah you. have a lot of subscriptions and we just. can't AFF them so you're breaking rule. number.

10 you might or might not be breaking. rule number six stop around with work if. you're not making a money enough money. there we need to look at different. career paths we need to start knowing. our own worth and pursuing different. things in our own life to make sure. we're making the money we need to hit. our goals I don't know if you're around. there yet we need to get to that part of. the conversation if you want to get your. own rules for not being in the. description below shout out love it. super fun I love creative stuff like. that when it comes to your h i thrown.

some of your stuff on the floor. accidentally that I didn't mean to sure. sure. sure Okie. dokies yeah total spending what' you say. you brought in again once you get a. paycheck. $1,900 a month yeah 8,849 went out mhm. that's. bad a lot of that on debt like the. credit card Transportation 17% or 1,561. which is about half of what you make a.

month by the way necessary food 713. that's not crazy for one person it's. definitely a lot but if that was for two. it's not F going out to eat $362 unknown. shopping that is typically Amazon or. Walmart or Target because you don't. necessarily know where it went to a lot. of it was Apple spending uh the corner. story that we talked about uh that was. like a onetime purchase I just well it. happened and guess what that one time. did not go to your debt and then 537 to. Amazon all that unknown crap that was.

15.4% of your spending or. $1,369 miscellaneous bull the Kido had. smoking. 7.6%. $681 $681 $681 went to taquitos and or. smoking. $681 divide that by your pre-tax income. 1,500 that is 35% of your spending. 35% of your income sorry other large. purchases was just about what you bring.

in a month of. 3,389 so 38% of your. spending and that was Torrid ATM. withdraws a lawyer thing Academy. Sports Animal Hospital which you know. yeah Animal Hospital what I would. recommend for that and for really anyone. cuz it saved me thousands of dollars. dude pet insurance well and that's cuz. I've been on Tik Tok and it was like. there's been like horror stories and I. don't know which ones Insurance yeah cuz. it'd be like oh we we do this and then.

we don't even get our I don't partner. with them but I've had good situations a. few times now with lemonade okay. so no I just use them as a private. customer no partnership nothing saving. that moneyy I love when my money is. making more money in the Sofi high yield. savings account I use has 4.6% interest. on that moneyy it's the savings account. I personally use for my tax money that I. set aside and other money that I just. want to be building while it's just.

sitting there and you can get bonuses by. signing up all the way up to $250 by. using my affiliate Link in the. description below and it's not just cuz. they're my affiliate I personally use. them they're great I've had a great. experience with them so far and I only. recommend those who I like working with. and who I like using so if you have. money sitting in savings have that money. make some more. money and use that high yield savings. account link in the description below. 4.6% and bonuses all the way up to $250. okay yeah your spendings out of control.

it's not even close it's what the with. the car then I don't know with your. credit score but then again the interest. rates at 18.5 so you might be able to uh. I just wanted to pay it off this next. year you could do that but we could also. just get it under new lender so he can. get off of it can also renegotiate with. your current lender as well and the same. thing for him I don't know where his. credit score is and the rate might be. higher than. 11.33% either way I doubt his car is. worth $32,000 at this.

point maybe it is but well because we're. we're driving so far to get to work. there's a lot of high mileage on it has. he ever missed the payment for anything. in his life I'm pretty sure yeah I don't. want you to pay his truck I need to. start I am selfish about your situation. cuz you're the only one sitting here I. want you to do well so I don't want you. to pay off his debt I want you to get. out of debt get a fully funed emergency. fund and start saving for retirement cuz.

you have nothing in retirement well but. that's like we're married I am obligated. I am you're getting divorce you decided. you're separated you're deciding you're. not being together. forever I know that's really hard it is. it is it is incredibly difficult but you. were the one that made that decision. right yeah I had to it wasn't Mutual no. so you the you're the one that made that. decision now with that comes but you are.

on the title so that's a conversation. that needs to be had you get off of it. or you can take care of it but that's. dude that's like doubling your debt. that's doubling your debt you have. anything else in collections or was it. just that viviant um I wanted to also. like this went past collections but I. wanted to get my transcript and it was. about like 5,000 like 6,000 High to ow. for one uh. you owed that still yeah that was like. years ago and it fell off collections.

but it still owed to get your transcript. yeah yeah what's your transcript I mean. it was from. usao and I didn't really for what did. you graduate do you have some credit. hours how many credit hours and to what. type of coursework I don't remember like. when I first got there I wanted to be a. music Major and then I went into music. theory and I'm like they didn't teach me. music theory at all I like I I was. takes a while to get into it I love I. excelled in my music theory classes I.

like them everyone El usually sucks at. them that's the stuff I was actually. into yeah it's fun I get it not going to. have a really good career out of that. yeah unless you're just one of the rare. composers that makes it unless you go. get your doctorate and you go back to. teaching even still you don't make a ton. it's so like I mean at the time I just I. really want to be a music teacher that's. awesome that's awesome and I I really do. support that. but that's at the time now you want to. use those transcripts transfer them.

somewhere else and take advantage of now. are you able to take advantage of free. college through tribal so basically. since I went so bad and like I would. start let things get in the way like I. let them get in the way I didn't put. myself first um I need to have like a. couple good semesters so when I was in. North Carolina I was putting in those. good semesters then I come out here and. it just fell off but I don't really know. what I want to do. 10 years ago things were so different. whenever I you know got out of school.

now it's like what's good you say. nursing but I see all like the struggle. of like how much work they have to go. through you I mean you got to work to. make money in our culture but not where. it's like at the lives of the patients. and that's what do you mean are you. going to neglect are you going to. neglect your patients well if it if the. workload is overloaded and it's stacked. against you I'm not you have to choose. your workplace yeah but you do. uh my mom's had a lot of different. nursing jobs some places sucked she left. she got better positions yeah that's.

going to happen in any industry. obviously it sucks that that's more you. know put on the patients as you said of. course there's also Alternatives there's. trade schools there's certifications I. do I love Tech certifications through. things like course careers there's a lot. of. options we can go back to school as well. we can do we. there's okay so what I'd recommend is. taking some online quizzes they might. cost a little bit of money but they're. like what do you want to do for a living. and they answer a bunch of questions and. they put you down a couple paths and. then figure out what is needed to do.

down to go down those. paths cuz right now this is hard you do. pay property taxes correct I that so. part of like that 20,000 was to pay the. back property taxes on it so it's caught. up now what do you pay a year or month. or however it is in property taxes it's. just once a year it's it's usually right. like you pay it annually though right. yeah well I mean I should how much is it. a year as it fluctuates between like s.

and 8 7 800 a year a. year oh I'm moving. there my goodness 7800 a year ridiculous. we'll say 800 all right let's put that. in your monthly budget so we're saving. for it $66 a month in property taxes. wow that's. incredible. home insurance I don't have home. insurance I would consider getting home.

insurance okay I know you don't need to. cuz I don't have loan on it but I'd get. home insurance. okay let's call that 50 a month health. insurance through work I do have health. or I have don't have it yet but I'm also. native and I'm close to Indian Health. Service so is that where you get therapy. yeah so it's free free yeah good. medications um I only have to pay $10 a.

month for my sensor good uh so you're. you're diabetic right that's right. okay type one type two type two okay one. thing I struggle with that I'm. personally trying to do that might be. worth considering as we're starting this. new chapter in life you know getting on. workout and diet plans as well just for. long-term Health cuz I want you to live. the long life like what's the point if. we're going to go through all this we're. going to work our off and we're going to. save for retirement if we're going to. live a shorter life right well see and. that's the thing it's like at the.

beginning of the years like say um April. I was like I could tell some like my. body's not right and I started going to. the doctor and she's. like you got about five more years. living this way and then you're going to. go down wow from just diet and lack of. exercise yeah like so when you're saying. like dying at like on the Walmart floor. like that would be a. privilege yeah so.

um this is hard put putting me first cuz. I don't see a lot of the future as far. as like but that's because I was. striving for stuff that was you know. unrealistic maybe being married wasn't. really something I wanted it was the. image I do love him but he's not he's. not father material you know okay. so when when I think of things like that. sorry it's I'm choosing me first this is.

the beginning of the journey these are. the steps part of that money like I paid. off my phones oh I do have one more my. iPad how. much I had to like go through a whole. process with Verizon because I switched. from Mt mobile and whenever you switched. from mint it switched to Mint from. Verizon so when I had my login for. Verizon I had to switch everything so I. think it's like.

500. interest 0% interest but I'm pay. um so I basically had to I was paying on. my sister's iPad and I had to cancel. that it looks like it's going to be 55 a. month for my iPad okay do you what's. your phone bill. um uh you said 50 or 55 uh it's about. okay what's your phone payment um or um. we're doing the unlimited so it's like. 30 a month good see mint saves a lot of.

money for sure it was like 250 whenever. I've been like I've been starting I've. been putting things into practice like I. put with the money I paid off the phone. so we could have a lower phone. bill groceries and you're on your own. now right yeah. now obviously you're in a decreasing. caloric desire right uh in well okay let. me reface that you're trying to like eat. better and uh have your C caloric intake.

I'm not trying to lose weight I'm just. trying to not my sugar to go up high. well wouldn't you so that's like my. thing is like I don't want to lose. weight I just want to know well can I. ask you why you don't want to lose. weight I'm not going to challenge you on. it I just I just want to know it's like. a a safety if that makes sense I've used. that as my safety for a while and I. don't recognize myself anymore. okay. um.

how well if you don't want to lose. weight it's going to cost more money to. maintain about. uh I think about like weight loss like. Skin Surgery okay that's like kind of. like my fear of but also I mean that's a. lot to maintain like I'm not going to. push back on it again but wouldn't it be. awesome to be in a place where you don't. need the sensor in your armony anymore. and that's why like I'm focusing on my. diabetes like that's important to me. first opposed to like I need to look a.

certain way I'm not talking I I I I. don't no I'm I haven't mentioned once. looks yeah like that's not a part of the. conversation I'm just talking long-term. and dude I'm I got the thickness I got. the thickness I'm not the person to even. like talk about this like but still I'm. just planning on a grocery budget like. what are we trying to do I have no clue. cuz I've that's I've lived in Nexus I've. been okay I'm giving you $400 a month. okay toilet paper everything else you. need for the house I'm giv it 100.

okay okay car insurance just yours just. yours um let's see cuz before we it it's. about I think like 120 if we split it. utilities um see the internet was like. that 98 so about 100 was the 98 and. electricity and gas I'm since I just. moved back into my house let's.

see. um so electricity um is about. 160 164 but that. was um kind of with like the um AC. running but then the heater I don't have. central heat in air so I'm going so it's. just what are you doing for heat little. space heaters it's going to be expensive. on the electric Bild that's like like. okay so I'm going to maintain it then. cuz it's going to be expensive the heat. as well what's the square footage of.

this. house how many bedrooms how many. bathrooms uh three bedrooms it's like. one and a half bath a car garage uh. 1,200 1,500 sare F feet yeah somewhere. in there. okay uh let me add up your de pants your. minimum monthly payments oh would you. put water on there how yeah water gas. sewer what is that uh water is um just. go ahead and put 90 um. the uh gas is about.

40 what about like trash and stuff trash. is included with the water okay your. debt minimum monthly payments do I add. well do I add his I don't. know okay I'm just going to I'm not. going to add it in the overall I'm going. to make him a separate category okay so. let's put in the budget 83.8 1 just for. the argument sake his. debt now let's see your minimum monthly. payments.

414. 36 oh and my student loan. payment. oh what are you doing I sent it I swear. I sent it cuz I just saw it on there I. did start paying on it and it's $53 a. month how much do you owe in the student. loans what's your total balance like. 5,000 is that what you were talking. about earlier no so it's an additional. 5,000 these are federal.

mhm. oh you're killing. me you're killing. me luckily because you do not have rent. you do not have mortgage which is Big. Time help here what about gas oh that's. just for you just for you how. much I think that would be like about. 150 a month and then like tolls it's not.

bad how much in tolls it's about like $2. a. [Music]. day okay so 60. yeah add that. in okay. $2,123 to survive on a monthly basis. without his car payment add his car. payment or basically up to 3,000. which gives you an extra $1,000 so. whatever you decide is from there I. would rather him take care of his you.

take care of yours okay get out of this. situation if you take care. if if you do yours you're obviously. going to do smallest to. largest well and here's another thing I. wanted to talk about is I don't have our. water heater went out. oh yeah. so okay well it's it's okay it's just. frustra it's a lot isn't it it's just. frustrating because I've gone to all.

these places and I've fix things and I. get comfortable and then I got to move. out well I mean I'm I'm just I'm I'm. going to lay it on you fun fact about a. house break all the. time that's just a part of home. ownership yeah I don't it's stressful. cuz everything's adding up totally get. that well see here's the thing my family. was in there they wrecked the kitchen. they wrecked the bathroom a lot of stuff. has happened in the P remember we're.

we're here now we're looking in the. future not including his debt not. including the extra 5,000 you owe to get. a transcript. $3,237 if you do not include his minimum. monthly payment in yours MH not. including interest either but also not. including the snowball minimum monthly. payments going towards it as you paay it. off which will help offset it so we're. just going to do a basic guess it just. to give you an idea of what things could. look like having an you fully follow my.

budget you do not have paid for fun you. can have fun not paid for fun okay uh. you also probably go get a second job. and make more money but either way don't. have his car payment you have about. 1,800 bucks left on a monthly. basis that takes 16 months to pay off 17. months to pay off which actually is not. that bad yeah it is actually not that. bad that's CU you don't have a mortgage. you don't have rent water heater how. much is it going to cost the water. heater um the we had someone come out. and they said it was was going to be. about 2,000 cool take from the $10,000. pay for that okay use the. $10,000 uh put aside $2,000 so 2,000 for.

that $2,000 for that $6,000 throw the. $6,000 in here boom awesome what does. that do that's going to take it from 16. 17 months to like 15 months that's. awesome 17 to 15 that's great that we're. getting closer and add a job on top of. that just work your butt off work work. work work work bring it down to a year. that's incredible a year in your life. has changed changed add your husband to. this that doubles the debt that's going.

to extend this to you know three years. yeah cuz the debt on that car is insane. that's for him to figure out at this. point even though you're on the title. that's why we need to have a. conversation get you off titled by him. uh you know uh renegotiating with the. Lend or uh taking out a new loan for it. well as far as like when like. refinancing or getting off the title it. would have to be a refinance right like. to get off title it's definitely uh the. more common way yeah so like when you. look at refinance like companies like.

which ones do you kind of trust or like. like cuz there's like my Grandma's old. school get things in the mail and it's. like well I don't know what his interest. rate is I don't know what he' qualify. this isn't his conversation well I mean. as far as like for my car cuz you. thought or you said about like you could. as well again I don't know with your. credit score uh because my credit karma. wasn't as bad you can use a broker even. on credit C I would be like like look. for car loans on them cuz they have like. an approval guarantee type thing and if. you don't get approved they give you a.

couple hundred bucks or something I. don't remember okay but like they'll at. least have those loans they not going to. be the best MH but at least gets your. guy gets you guys separated what you. need to do yeah cuz you're not. financially together. anymore but definitely use that 6,000. bucks extra so 2,000 high yield savings. thank you 2,000 pay for hold on I got to. say thank you for telling me these. things cuz that's what I needed to hear. that this is my own like I can handle my.

debt and not oh dude you got this you're. going to kick this you buckle down you. follow the budget we put on screen you. follow that budget go get even more. money dude you're done in a year a year. and then call it another four months. five months to get a fully funded. emergency fund yeah you've got this you. can kill it m it is your choice here. though. yeah what I need you to stop doing. saying this happened in the past this is. happening.

no not again excuse is not the right. word and I can't I can't think of the. right word for it cuz that's not. necessarily what you're doing but. holding on letting things weigh you down. we're not doing that anymore we're. taking control of our future and you are. kicking out you're going to have an. amazing rest of your life yeah sorry. it's just it's okay it's just it's a. lonely path and that's what's been. really hard cuz it's like I knew all the. depending depending you have your best. friend I do but she has three kids and. she's busy and she's she's busy.

everyone's busy but there's there's. there's a lot of life to be lived things. change all the time you might find the. one who is going to be a good father. figure life does not have to be a Longo. forward that's not a guarantee you're. locking yourself in a box saying this is. what it's going to be forever yeah don't. lock yourself in a box mhm life is going. to be. everchanging so I think you do have this. you just need to you just need to lock. down and actually do it you need to stop. through spending you spent way too an. insane amount of money yeah you cut that. back and you actually have this so and.

that's what I'm like I don't feel like. it's not possible and I'm not I I don't. have to die on the Walmart floor you do. not so but thank you I know you wanted. to finish with a quote. Yeah well actually oh just I mean just. one more thing sure uh just cuz I just I. want you to know just after the fully. funded emergency fund from there okay. wait hold up tell me what she were. saying again real quick so you want me. to basically put my Americo money and. put pay off my debts or you said 2,200.

is that your grandma it's it's in my. name it's but it's like in the 10,000 it. yeah it's still you pay for the water. heater you put $2,000 aside just to be. safe okay and then the rest goes. immediately towards the smallest debts. you can then the rest is aggressively. paying off as quick as you can following. my minimal. budget um work extra job paid off. quicker if you can save up a fully six. Monon emergency fund after that you're. talking too.

fast 2000 so this so This 2000 would. basically be like my mini emergency fund. or this one okay now what I wanted to. talk about from. there you're going to need to start. playing catch-up on retirement so again. this is a year year and a half down the. road MH 25% on a minimum monthly basis. needs to go towards retirement so as far. as like put it in my 401k or should if. there's a 401k option take it you know. uh Roth IRA is great if you have extra.

money can throw brokerage you can do. something I've been using Vora recently. they have like a 1% match it's great so. there's a lot of different options you. can do definitely take advantage of the. text Advantage accounts first which is. like R that's a conversation we'll have. I was about to say this because this is. this is too much for now but all I. wanted to say is from there just for. people in the audience. 25% to. retirement maximum 50% on needs yours. going to be a lot less cuz you won't. have debts and you including a house I. mean that's incredible so the rest can. be fun and you can actually have a.

really fun great life thank you go ahead. and finish with your quote. sure it is not the critic who. counts not the man who points out how. the strong man stumbles or where the. doer of Deeds could have done them. better the credit belongs to the man who. is actually in the arena whose face is. mar by dust and sweat and. blood who strides valiantly who HS who.

comes short again and again because. there is no effort without error and. shortcoming but who does actually strive. to do the Deeds who knows great. enthusiasms the great devotions who. spins himself in a worthy cause who at. best knows in the end the Triumph of. high achievement and who at the worst if. he fails at Poli fails while daring. greatly so that his place shall never be. with those cold intimate Souls who.

neither know Victory nor defeat Theodore. Roosevelt Mr Papa te when it comes to. her financial score that $10,000 in her. paid for home is going to pull a lot. away but spending in a budget 0 out of. 10 obviously that was crazy the debt. fearing collections 0 out of 10. emergency fund 7 out of 10 she's almost. there because of that $110,000. retirement basically nothing couple. bucks in there so I'll give it a 1 out. of 10 and the paid for house that's. awesome it's very very very good so a 7.

out of 10 there that's going to bring. her to a hammer Financial score of three. out of 10 don't forget to check out the. resources Linked In the description. below they are what I use or would use. in specific situations thanks to all of. our patreon producers for making this. episode possible if you want to. participate in an episode of financial. audit and you're able to make it to. Austin Texas please fill out an. application and the survey Linked In the. description below you can also send a. link to your friends or family who you. think might be good to be on the show if. you have any questions you can email. casting kop pam.com.