Someone Finally Snapped On Financial Audit

if you could not find a food pantry you. would be starving we don't know that. what's the alternative figuring it out. it's not so bad to be homeless I need to. stoop this down to a 15-year-old level. you want to go ahead and baby me cuz you. can't handle your emotions about how I'm. responding by all means go ahead a. little Denis I mean just saying I need a. break all of our education is bundled. together for 15% off with a 30-day money. back guarantee go to Caleb hammer.com. bundle or click the link in the. description or pin comment below.

hi my name is Avery I'm 30 years old. from colen Texas and this is the. financial audit what do you do for a. living in Colleen Texas I'm in yanie oh. okay very cool okay great and how many. hours a week are you working Annie 20 to. 30 all right Colleen it's an interesting. town in terms of cost of living they. kind of really varies military town you. can see low end but you can also kind of. see high end sometimes the market gets. pushed up with like limited Supply and a.

lot of people living there how are you. feeling living in cleen on 20 to 30. hours a week what's your hourly pay $18. an hour I feel pretty good coming from. California to Texas I could be doing. better sure September last year okay but. if it's 24. hours a week on average 25 hours a week. on average uh it's $1,800 a month not. really well most people would consider.

oh including an extra 125 a week because. I do some uh extra things around the. house as an Annie I do like laundry so. cleaning as well oh oh that kind of. stuff oranization like tidy yeah so just. so an extra 180 a week an extra 125 a. week so that's 500 a month so 2,300 well. how do you feel living. on that then cuz again we're talking. less than 30,000 a year from my history.

and where I've come from I'm okay with. it obviously I know the possibilities of. what I could be making so I will how are. you living are you in house Nanny no so. how are you living though cuz it is I. don't pay rent how I live with my. boyfriend and he pays rent. oh much more sense cuz I wouldn't know. how the. possible you would be able to. survive yeah I would have to probably be. a living you guys move here together I.

moved here and to live in with. him okay okay things are making much. more sense so that's how you feel okay. do you have a lot of death though for. someone that you know self-reportedly. feels okay yeah you're right I do what. hits your account I'm saying I feel okay. due to my history of like where I've. come from so like granted it's not where. it should be maybe not the best but I do. feel okay so what hits your account on a. monthly basis income wise what hits your. account definitely give me the average.

or was was that right 25 yeah 2500 about. 2500 all right and what are we doing. with the 2500 it comes in what are we. doing paying my bills and then blowing. the. rest on like whatever but you're not. paying your bills because we have debt. uh you're right unless you're not. considering paying down debt paying your. bills saying that yeah I'm not paying. down my debt what I am doing is paying. my minimum so my bills I would say are. my minimum monthly payments that's what. IAL why not pay down the debts what.

happens if you guys break up how long. have you guys been together a little. over a year cool well that's pretty. young in terms of relationship at least. these days what if you guys break up how. are you going to survive you're not. going to be able to survive you're not. going to be able to get rent to save. your life good luck it'd be 50% for a. basic average Place yeah you could say. that or I would survive like I think. most people do figure it out yeah. there's also literally hundreds of. thousands of people that live on the. street so it's not as easy as people. just figure it out like a lot of things.

happen no it is that easy though how do. you how do you get through life with. obstacles crisises like rocks bumps in. the road you figure it out like maybe. like girl I don't want to ruin your. little Rainbow Road real quick but. people literally die all the time people. aren't just always making it to the. majority probably but even still life. expectancy is low in certain areas you. put yourself in a bad situation force. yourself through bankruptcy go ahead and. get a car get re is that really a bad. situation isn't it all perspect. perspective of like an individual bad.

situation getting a car getting repoed. in a non-w walkable infrastructure area. I think people have to hit their bottoms. their lows in order to go you rather. bottom in certain situations learning. life lessons 100% why not learn it. before you get I'm so confused why would. you come on no I'm being serious I know. but why sorry why why would you want to. get to the bottom if we can already know. what the bottom looks like why get. yourself there I I don't understand the.

point I don't think when making. decisions that you're going oh I want to. like ruin my life it's like oh no I want. the Starbucks I want the target I want. to go to the raid and then it piles up. and then you're like oh I am kind. of like at a rock bottom financially so. then you want not cuz you are seemingly. but you're saying I could get to a worse. like a lower bottom but we don't know. that we don't know that for fact no we. know you can for a fact we don't know. you will for a fact we know you can for. a fact people.

are not anything is possible there are. literally hundreds of thousands of. people every year that get to a worst. position lose housing lose their cars. get. completely and you're pretend but you're. pretending like that's not possible that. people just figure it out people don't. just figure it out people literally die. is that the average person we're talking. about me what would I be able to do in. this situation and I why would you be. able to okay go ahead you get. laid dude we're six minutes in why are. we doing okay go ahead yeah something.

happens he dies let's just say that so. it's not even a no pick another one well. I was just trying to pretend like your. relationship didn't end okay fine pick. another. one you guys hate each other now. wonderful and you break up for whatever. reason what would you do $2,500 a month. before any taxes I mean if we're being. honest I'd probably go back and live. with my parents or see what my other. options of jobs and live in any. positions are like I'm going to find a. way because I can't afford to pay rent. on my own I wouldn't get approved even.

for renting a place so I would be okay. with finding that other job the thing. about falling back in the parents that. is not inherently a bad thing to have a. good support system but again we're. talking about right now you are. specifically choosing not to pay off. debt specifically choosing not to get a. fully funded emergency Zone particularly. choosing not to get retirement so that. you can go out to Ego Club whatever the. you do yeah instead of setting yourself. up for a potential situation in case an. emergency were happen because you're.

able to fall back on mommy and daddy. mhm do you not see how that's a little. uh immature for a 30-year-old you're a. year older than me but you're acting. like you're 15 years younger than me do. you really think that people get. anywhere do you think people get. anywhere without help from other people. maybe yes falling back on my family does. not look like I'm going to move forward. however I don't think the are you. talking about but I just said do you get. really anywhere in life truly on your.

own you don't have help from outside. people you don't have information you. don't get connections no like you're. what your n if we bring it down to the. most granular detail of course we can. make a thing I wouldn't have been able. to make a YouTube channel without the. YouTube channel platform working or. without it being existing you're going. to talk about systems I'm talking about. people and maybe my people happen to be. my I wouldn't have been able to start a. YouTube channel without someone founding. YouTube yes but people are able to. you're taking it far back I'm talking. exactly I'm saying if I break down to. the most granular level yes I can say.

that however if we're just saying can. people make it with yes many people have. made it growing up in an orphanage. without a family and never having a. family many people have made it in a lot. of situations with uh abandonment of. parents people have made it going from. homelessness to multi-millionaires of. course people can make it without other. people that so you saying that literally. no one else can make it without that is. incorrect is it a lot harder of course. and I am not saying it is bad to have a. support system I am saying you are.

specifically choosing to not put. yourself in any kind of situation of any. kind of protection if in any emergency. would happen because you know Mommy and. Daddy would take care of their. 30-year-old child if something were to. happen instead of you being a reasonable. responsible adult and taking care of. your debt getting an emergency fund and. making sure you have a chance for. retirement what what are you doing what. is this what you you disagree you. disagree with that somehow somehow. me we're 10 minutes.

me go on please do you need a break no. no but that's a pretty I'm a little I am. upset cuz that is such an immature. mindset that if everyone believed like. you we would just completely fail as a. culture so it's pretty upsetting it is I. think a a little delusional sure however. my delusional being positively. delusional has maybe got me this far and. maybe it's going to look this far you. rely on your boyfriend if your boyfriend. didn't exist you wouldn't be able to. survive what are you talking about rely.

on him because he yes because he pays. rent as in the roof over your head as in. like the most basic minimum requirement. to life besides food and water if I. wasn't with my boyfriend then I would be. paying rent on my own but we just. decided you would not be able to in this. situation in Texas but before I was. paying rent on my own so I can't do it. California income Texas income why is. that not translated what what were you. doing in California I was an okay so in.

Colleen why do you think you're making. sub what were you making in California. 30 an hour okay definitely a big hit. there now are you able to start can we. pick up extra Nan on the but it's not an. income situation again you have already. described your behavior it's not that I. need you to go make money it's just it's. how you're managing your I mean this. fing this debt $600 went towards it but. it only actually went down by $70 l then.

because you're spending and it's. probably like over the limit so like. does this like extra thing too I like to. get raged baited on Twitter often times. what's that it's where you're just ra. you're just baited into being raged. there's a lot of people on there that. are endless victims constantly. throughout their life and nothing is in. their control ever ever ever and a lot. of people what they say is essentially. it's like the most dangerous thing in. the world to be like a single woman okay. cool I mean that's I see a lot of that.

stuff what you are doing if you do. become single though because of your. actions right now you actually are. putting yourself in a situation that is. dangerous am I and you don't know what's. going to happen to mom and dad they're. not always going to be here either so if. a relationship the instance where then I. goes okay you figure it out right that's. not that's not a reality I don't. understand how how do you not understand. because I have specifically said and. okay let's just get some basic. statistics Statics. right go amazing time for a software.

update guys than Apple thanks do you. want to just like start from the normal. conversation then the normal. conversation before we were supposed to. get like the are you talking about no I. think this is a very important part. because like your entire life is. revolving around you not having a mature. worldview what's your definition of. mature oh. my well you're going to second I'm. looking something difference in opinions. on that thing multi tasking not okay it.

is U no not very well it is your world. view of I will just figure it out put. yourself in such a dangerous position. that you don't even understand cuz I. have had people on this show I have had. people on the show that thought they'. just be able to figure it out and then. they're in hundreds of thousands of. dollars in debt because they had no. choice but to try to survive then they. end up getting I've had multiple people. on the show that are approaching their. 60s hundreds of thousands of dollars in. credit card and payday loan debt and. guess what not our chance of retirement. to their name they're going to have to.

survive out Social Security good luck. ever being able to survive in any kind. of world with no support system because. their parents aren't alive at that point. what are they going to rely on their. kids is is is that their kids's burden. morally probably but that's not fair. because an immature adult didn't take. care of things I don't see I don't I'm. hear what you're saying okay let me give. you the danger by actually finishing. what I'm trying to do okay one eternity. later about a year. ago. 653,000 people on just a given night.

weren't able to figure it out in a given. night that was the number of homeless. people in the United States on a random. given night in 2023 according to the. national lwi income housing assessment. report from HUD and that's the danger is. that I would be homeless because I would. have too big of an ego instead of going. back to my parents or finding a job that. would actually provide housing because. that would be so hard to do it could be. you don't know you haven't you're 30 no.

offense we're at basically the same age. we saw a little from the peripherals in. our life the Great Recession but you and. I have actually not live through in the. workforce what a real recession is like. you think job and income's always going. to be there that's not how it works then. the Great Recession what were we 8%. unemployment that is 8% of people that. were looking for jobs that were not able. to get income this is not a guaranteed. thing and your parents being around is. not a guaranteed thing and if you. continue that mindset and that life of. being able to rely on the boyfriend. being able to rely on some magical job.

that's always going to exist and being. able to rely on your parents always. being around that those things are not a. guarantee I'm saying you not being able. to take care of yourself and setting. yourself up for any emergency is the. danger because you might end up as one. of those 653,000 people that were given. on homeless On Any Given night which was. a 12% increase from the year prior by. the way I want to give you free money. right now I partnered with different. resources that will literally give you. hundreds of dollars the moment you sign. up for them check out my invest app of. choice Mumu where they give you up to 15.

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what your investing profile looks like. and what investing strategies to use. based on that all of this free money is. linked in the resources section of the. description below so don't pass up the. free money cuz I'll punch you I mean who. wants to be homeless no one but I'm. saying it could be. you no let me give you the danger part. because that's a large amount of people. you just want to scare tactic me into. your are you not you're not scared of. that how is that not scary. it's not a scared tactic it's basic.

reality maybe I'm just not afraid of. that I think there's scarier things. because you've never experienced real. struggle obviously you've never. experienced real Financial struggle. you've never experienced real Financial. sacrifice so why would you you've never. experienced. it okay no you're just being annoying I. think I just disagree with you and it's. frustrating that you can't get me to. agree with. you like I hear what you're saying like. not the danger part the danger part I'm. just saying there's way more dangerous.

things and like what you're talking. about isar violent crime rate violent. crime rate for those violent crime rate. violent crime violent violent vient. reality it's not my reality you want me. to accept reality but that's not my. reality it's not your reality cuz you. haven't experienced it yet violent crime. right for those who are homeless you. want me to experience a reality that I. haven't experienced that I could be. afraid of experiencing it not setting. yourself up for a basic thing that many. people statistically go through why do. you think you are out of the norm. compared to a normal person you don't. know what life can give I don't think. I'm out of the norm then why do you why.

the do you not think this is a. possibility for you if you are homeless. it you are homeless afraid of it I don't. see you're talking about the danger the. danger is 40% more likely to experience. a violent crime if you're a homeless. individual versus not homeless and if. you don't set yourself up for any. situation where you in the worst of the. worst situation are able to put a roof. over your head like many people who are. having utilities cut off in the United. States because they are not taking care. of their their choice or. not you are setting yourself up for that.

danger what if what if it all goes to. anyways then the money doesn't matter. like those things are what you're. talking about societal collapse sure. fine in in the. 0000 no you go. ahead if society's collapsing then. there's no point to any conversation. ever but let's B true but let's base it. on the statistical likelihood that. Society is going to resume and maybe. protect ourselves even slightly protect.

ourselves from the illusions that we. have in our head that fear and danger is. upon us if we don't hey guys if you're. not a like her go to Caleb. hammer.com apply and come on the show I. this is are you like being serious wait. hey hey question why the did you apply. to come on the show uh because I need. some. help is she. literally are are you like are you. kidding me you apply to get help and. then the one thing I immediately try to.

talk about on how you are dangerously. not taking care of your finances you. immed we immediately have a 20 minute. back and forth about it. dangerously so why did you apply for. help if you aren't willing to listen to. that most basic thing you're telling me. to be AF be afraid of the danger not I'm. in a dangerous financial situation you. are in a dangerous financial situation. okay that's different than being afraid. cuz I'm going to be homeless soon right. I'm saying that could happen because of. the dangerous financial situation you're. in how did not understand that are you.

not capable of having that very flat. brain comprehending the complicated air. flow that is going over to you no I do. understand that I'm sorry now I'm just. being insulting cuz you're pissing me. off I'm sorry I shouldn't be insulting. that's not what this is no it's okay go. ahead no no no no where do you think you. are in this world by the way finances 0. to 10 Z being the worst 10 being the. best where do you think you are where do. you think you would land I mean if. you're looking on a scale of me and my. history of my finances your history. where do you think you are right now.

dude for scale out of everyone zero. being the worst 10 being the best I'm. not talking about subsaharan Africa zika. but zero how does the perspective go. into that is it me on my scale of. finances I'm doing better than I have. done so I would say really you've been. able to last with your boyfriend for a. year somehow last you you guys have. conversations conversations and he has. kept you around for a year we don't look. at each other that's funny dude yeah we. have conversations and he's allowed you. to stick around allowed me to stick.

around like I am not a. gift wait you said five I mean yeah cuz. I'm not even going to do it if you want. your Hammer Financial score it's free. Link in the description below see where. you are in the assessment of Life are. you going to assess me and give me a. number yes at the end have you seen the. show you applied I watched all the Tik. toks they're good oh.

good what okay so you just haven't seen. the full thing you don't even know what. the full thing's about take the mic and. pull it close to your face you're soft. no you're delusional but you're. soft are you taking. notes. yes oh my gosh um just want to know I. thought your notes were in the book. we're sure you can take care of a child. without it dying yeah that's so funny. I'm. clearly finances. 7 $1.

13,796 on this credit card oh I probably. look like an raging. $343 is your minimum monthly payment. that's insane just for a credit card. wait you getting paid in Nanny okay so. listen I don't think you would have to. pay too much in taxes if you're reported. you even report your income the taxes. what's your tax situation for last. year what do you mean how much money did. I make. how much did.

you say you made and how much did you. pay in taxes I don't. know that's not a number or really an. answer is I don't know how have you made. it how have you made it I mean how how. are you able to drive down to Austin. without crashing I'm a good. driver what do you mean you don't know. did you file taxes I don't remember.

wait that happens like once a year and. turbox sends me like these reminder. emails and sometimes like I go sometimes. I've done it and they like autofill if I. get like a piece of paper in the mail. that looks tax things I do that no there. was no class on this nor did I ever. Google I know we all have access to. Google oh you've heard me say that yeah. I love the Tik toks oh my gosh you you. are actually aing creature okay you're.

like somehow existing right now I I like. we're on a different plane of reality so. maybe our reality is stop stop don't try. to say something you know where I'm. going right with no I don't I just don't. want you to try to say anything cute. you're just brain rot to the max have. you do not know if you paid taxes last. year no not how much but do you know if. you paid or filed tax. I think I did you think you did for one.

of my. jobs I think what cuz like when I moved. here I got a job at a school in a gym. and didn't like really last long and. like maybe why cuz you couldn't operate. in a conversation with a human probably. cuz they're not just children I didn't. have a car at the time so dude I didn't. have a car at the time so you laughing. about not having a car I was driving no. you're what you said and so I was riding.

a bike it takes her 30 seconds to. process yeah so I have a I was riding a. bike. mean go go go go go go go I mean let's. get through this let's get through this. go go go just go let me I was riding a. bike and it wasn't really the vibe so. the school I was working at wasn't the. vibe yeah it wasn't how have you made it. this far in life I'm literally trying to. tell you but you're saying it's not. possible and that it's not a reality. and I should agree with you but like I'm.

literally sitting in front of you like. walking my perspective it's it's one of. my bad traits that I interrupt a lot. please continue it's okay interrupting. chicken anyways so I did not like riding. the bike and I didn't know how to get to. my second job so I was catching an Uber. so I'd ride the bike to my first job at. the school I'd work all day ride back. catch an Uber go to my second job at the. gym and then like that just wasn't doing. it for me I eventually got a ride from a. coworker to and from the school and then.

I was in the rain one day trying to ride. my bike I didn't know how to get across. the freeway or under I said it quit over. the phone so what was the. question what jobs did you file taxes to. so I had those two jobs I possibly they. were W2 so probably maybe but even maybe. not for you but I'm talking about this. stuff to do you make more than you have. to make more than like 5,000 or 7,000.

how much have you wait are you saying. you didn't even make. $5,000 last year well I just said those. jobs individually listen this nanny. stuff is not. W2 so you have to claim this is income. and pay it later the taxes when I figure. out you're saying ta when you figure out. you could plug it into Turbo Tax they. make you do it I'm not even advocating. for them like oh there was an error in. this you need toed it or call them and. figure out what the to do or talk to a.

CPA yes call email huh I don't know that. stuff you don't know how to call. customer support to a company no I do I. don't know to call or CPA or get help. like Turbo Tax is like an app I just did. it as an. app do you do Turbo Tax not. anymore we're we're Beyond Turbo Tax. life help me with whoever does your. taxes you get to S sit down with a free. financial advisor at domain money cuz.

you came on the show and everyone in the. audience also gets a free session if you. use the link in the description below. but you could do that so maybe start. there and just when's the last time you. actually filed taxes for this nanny. income because you're doing Nanny in. California when's the last time you file. taxes can you can you please tell me. no I'd have to know that the last time I. when the last time you confidently you. filed taxes uh when I worked at the. casino they gave me a w something no no. no from The Nanny income claiming the.

nanny have you ever claimed the nanny. income I yes I'm certain you have okay. when when's the last time you're. confident you claimed to the government. you told them you I'm making this much. in Nanny income when I did the casino. job when was Casino. job. 2022 oh so two years ago so we probably. haven't filed in two years for the nanny. income yeah not that you would pay too. much your tax brackets not substantial I.

mean I remember the first time I went to. do this I was like oh I didn't even make. enough money to even file taxes so not. going to do it and then it was like well. you just fly under the radar it's not. fly under the radar you at least have to. report what you are making and then. whatever bracket you fall realize that. it's like okay well how do I do this. Turbo Tax numbers it's like a lot state. in California which is a progressive tax. system so it would still be very little. if any I don't know their tax brackets I. haven't lived gotten money back from. doing my taxes probably probably but you.

also haven't claimed all your income. they probably thought you were much. lower than oh my okay 30 minutes now and. we haven't haven't what I'm just trying. to just like assess where you're at and. it's uh you have it all in front of you. look at the papers you need to get like. or something I think you need to like. tone it down that probably was. inappropriate I don't give a about. inappropriate I will be the most most. inappropriate person in the world my. audience is not filled with a bunch of.

performative pearl clutchers Pearl. clutchers yeah try to say it again Pearl. Crushers Crushers what' you say that's. what I'm trying to get at what is that. okay okay there we go yeah once you make. uh up to $111,000 which you make before. that but for the income you make up to. 11,600 you'd have to pay 10% uh of that. your income and then you don't make up. to 47,000 but for everything above that. 11 $ 1,61 you'd have to pay 12% of that.

income in federal income taxes you don't. have any child you don't have any child. tax credits you do have standard. deductions and in the standard. deductions would you owe much probably. not uh in your income scale if any you. might get some back you might not but. you still have a bunch of words I doubt. know like really fast you got to like. really break it down here I don't know. if we're going to be able to like get. through this then cuz I mean this is. kind of basic stuff they did at least. teach this in school not in terms of. like you have to pay taxes at some point. I went to private school then they. really should have I don't you you come.

from wealth I wouldn't say private. school is not cheap I don't know I would. say my parents are middle class you went. to private school yeah K through college. K through college yes sir did they pay. for. college well partially. yeah in my books they're fing Rich okay. okay are you kidding me private school. and you came out like this pretty good. did are you taking this seriously as.

serious as I could take. finances then why' you come on the show. cuz you seem like with it no cuz. everything we've talked about so far. you're fighting do not understand that. no I do understand that what we're. fighting and arguing about is like our. perspectives of the things and like. literally the words and the things you. mean by it no I'm just trying to get if. you've paid taxes that's not a. perspective thing and I don't know I. told you that I'm not hiding it I don't. know if I've paid taxes the years time. since I started working in 2017 yet now.

we know you come from a very P. privileged background yes and it's. showing immensely is a very good cuz. you've never had to put any work into. anything or sacrifice anything ever in. your life nor witness disagree with that. go ahead what have you sacrificed I go. ahead say about the sacrifice I have put. in hard work for things yeah what's your. hard work go ahead well first off I do. watch children have been doing that. since 25 hours a week okay go on for you. you're very smart but for me high school.

was difficult College was difficult I. made it through got those degrees not. everybody hey I don't have a college. degree okay so I cuz I suck at school. the format of school does not Vibe with. me doesn't Vibe with me either but I did. it I'm not crying about it go ahead cry. about it either however I'm saying I. have done hard things that's your hard. things is going to school for sake okay. yeah you've never experienced anything. this is huge for financial audit for a. year now my team and I have worked with. experts to create what I truly believe.

are the three best educational programs. in the financial space online we have. our budgeting program where I teach you. how to create manage and revolutionize. your budget and control your money and. then there's the investing program where. I teach you to Define what investing. profile applies to you and your life and. then teach what specific investing. strategies applies to you in that. situation and now finally we have our. debt program where I teach you the best. ways to pay off debt manage debt and. even take advantage of good debt this.

has been a revolutionary project that. we've been working on for over a year. now and just like over 10,000 people. who've already taken our educational. programs you can now take advantage of. all three of them bundled together at a. 15% discount I've heard from thousands. of people now who've taken these classes. and they've literally changed their. lives for the better and finally you can. too at a more affordable price head to. Caleb hammer.com or click the link in. the descript description below you will. not regret this you've never experienced.

difficulty a structured system where I. had to take classes that was my hard. will wife oh well if you don't want to. go to college and it's something that. you are required to do have to do doing. something you don't want to do is hard. it takes right like in my opinion you. have to have the will to keep doing it. knowing you don't want to do it and you. can walk away at any moment you could. walk away at any moment and quit 100%. And I didn't so you sound so.

privileged was that funny I do find it. funny that you're grossed out that I. come from privilege no no no no it's. it's looking at you right now again the. reason why and this kind of stems back. to our first conversational point now. it's all coming together for me and. likely the audience as well all this. that you're saying makes so much more. sense that you have no fear about what. can happen if you don't get to a basic. Financial Security point because you've. had nothing but privilege you never. experienced real hardships in life.

you've never experienced real struggle. and because of that you don't know what. it can be like you don't know what it's. like on that other side how do you think. that any individual goes through life. and doesn't experience their own version. of struggle and hard work yes but your. version is light your version is life. light easy it's diet. Life Light is that what you're saying. like it's an easier route yes so pain. for you objectively well no pain pain. for you and pain for me might be unsure.

we're comparing them yours might be. worse than mine but we're both. experiencing pain like if sad this isn't. a trauma competition no one's saying. that but you cannot compare getting. foreclosure notices on your house. growing up to getting having to go. through private school and taking. quizzes if you are putting those on the. same level them but you're comparing. them I'm saying don't compare them I'm. moving on I'm moving on this is so. pointless this is so stupid. it but you ask me a question I'm giving.

you my answer and you don't accept my. answer no I don't cuz it's okay. well as easy as it can possibly be I. don't know how you want these. conversations to go do you want to keep. asking me questions and me lie to you. like do you want me to give you the. answer you want because I'm I'm telling. you genuinely what it is for me in my. perspective no it's your it's your. inflexibility you can have a delusional. answer but if I can at least get you to. the point of a relatively decent. worldview on why you should have an. emergency fund as simple as that. okay I can agree with you that I need an.

emergency fund However the fact that I. haven't had one and don't have one I'm. going to tell you my rationale and the. reasoning why and at the end of the day. I probably still don't agree that you. need those things at the end of the day. you need sunlight water. food right I hope for your sake in your. life your parents cut you off at some. point this is the most in privileged. take I've ever.

heard it's gross it's immature yes the. fact that you think you don't need an. emergency fund absolutely because you've. been nothing but baby your entire life. absolutely cuz you have a little. prettiness your boyfriend's taking care. of you because your Mama and Daddy's. little girl they've always taken care of. you you've never had to deal with. anything I'm done with this $1. 13,799 here $343 minimum payment a. substantially large minimum the payment. again 2,500 is what comes in we don't. set anything aside for taxes not that. much would be owed in the end anyway but. we know that you are in tax brackets tax.

brackets that have two oh money but with. standard deduction who knows what you. would actually have to pay in the end. but even let's just say 2250 is what you. have left currently this minim monthly. payment is over 15% of your income one. minimum monthly payment on one card so. what do we do as a responsible adult who. is trying to take care of ourselves and. any way whatsoever of course we make you. know double the minimum payment but then. we purchase 200. $17.72 while $322 of interest is acre.

meaning even though we put $68 towards. it only $69 actually went towards it. guess what you only do the minimum the. payment on this card and you don't. purchase anything which is by the way. better than what you're doing currently. cuz you're still purchasing on it but. let's just say you do that how long do. you think this takes to pay. off if I did only the minimum payments. and you don't purchase o she figured. that one out. f um 5 years okay 57 years oh sh yeah.

and you're not living till then. so well. then maybe nothing to worry. about why because it's going to be so. long that it doesn't matter. yeah then then again why come on the. show like if that if that. Poss the possibility of another route.

than the route I'm taking and going on. but that route doesn't scare you you. don't care that you would have to pay a. minimum monthly payment on here of a. substantial part of your income because. you barely make anything does for 57. years reality scare me no no no. no of the different no this is your. reality but that doesn't scare you that. basic fact. no I don't know why I then what's the. point of this. I'm not talking about fear because the. possibility of being able to do more of.

what I want and I really want to have. children you want to have please yeah. I've been guys launch the nuk launch the. nukes uh since 2017 I've been a nanny. you've been what a nanny building the. Skittles like oh I heard Skittles I was. so confused okay we're good so 57 years. doesn't scare you because you have a. relatively decent chance within the next. 20 years of drowning in a glass of milk.

or something and by the way the entire. the the entire thing you would be paying. is. $123,000 okay so 10 times your balance. on here you'd be paying that in total if. you only did minimum the payments. without purchases which is better than. you're currently doing what are we. purchasing Amazon Amazon Amazon went. inside some Target got something doubt. it's groceries I bet you haven't even. seen a veget. be scared you think it's for horses.

Starbucks I am a vegetarian so it is. actually mainly I eat well I could see. that yeah it's all coming together you. sure you're not a vegan I have been but. no mhm bite the bagel. Starbucks went inside and got some B. from the gas station what' you get for. $17.81 inside inside this wasn't gas you. went inside inside the gas station oh. yeah you went inside got some gas. station vegetables no uh White. claws of course yeah yeah pull up your. Amazon for me let me see what you got.

well to be fair it is uh not just my. Amazon so it will not just be my. purchases on here okay are you sure when. you think you are showing up to take. care of children that you are not. actually being put in that group to be. taken care of 100% I am definitely the. one in. charge I have unless that is what they. have told you who told me are you sure. it's not a Shutter Island type of. situation I would have had to see that. movie to know what you're talking about.

but uh you would have been lost. immediately so don't worry no I'm just. being mean movies stop itop the thing is. you're being mean and I'm not catching. it I think you should fact it's going. over my head stop it please you can't. don't do this you can't do this we got a. drink mix some woman balance we're. balancing out our Womanhood uh nutrition. o or nutrium oat Hydro. sensitivity something oh razors um gosh.

it's all supplements and oh wait cat. treats and then yeah it's just it's. either cat treats oring supplements and. protein those are um my mom's purchases. to be what are yours cuz we had a few. hundred bucks spent on Amazon in here. what did you get what did I buy oh I got. protein powder I got. Crea I got a scale and like uh one of. those food scales. like a smart so literally the stuff I. called out like no they're only my mom.

okay well the ones you said yeah those. yeah it's at a 27.7 4% interest. rate well done thank. you you don't like classes so even if I. give you our debt class investing class. and stuff you're not going to take it. you'll see the first quiz cuz you'll. take the first quiz cuz you you you said. your big struggle in life is you had to. go through school you're going to see. the first quiz and you're going to run. away to Mom and Dad crying you guys can. get all our programs for 15 % off. bundled and actually take it unlike her.

she'll get them she probably won't. figure out how to open it in her email. address I'm being mean I'm being mean. maybe I'll just call the support line we. don't have a support line it's a support. email oh well maybe you could have. someone we are not a multi-million. dollar company we are trying our best. here to do what we can do CarX so we. have a car this is your car that you. brag about that you're able to drive. very proud of you I'm glad you're able. to make that see there it is do you. understand that I'm insulting you right.

now when I say that well you might be. insulting me but what I'm hearing is. different like I I can drive a car I. think I need to reassess this. conversation for the productive sake I. have been treating you like a genuine. adult and just like like insulting you. because adult shouldn't have that but I. think I need to stoop this down to a 15. year year old level instead of making. Jabs of you I think I just need to baby. you through this because I don't think. you can what is better for you by all. means go ahead okay they they they're.

saying I should back it up to at least. 10 years. old as you need go ahead no for for the. sake of you and for the sake of the. video too so it's not a waste of. everyone's time no I'm being genuine I. know you are and that's why I'm saying. and that's why I'm saying I need you to. back it down okay and no longer treat. you as an adult treat it like we're in. grade school can we have some grade. school music playing makeup please I. think we need this this is uh Coco melon. Financial audit.

hour should we animate this section that. would be sick so this car what is this. what is this car that you have that you. I have a Chevy tracks. LT wonderful what year. 2018 I don't know you don't know I'm not. sure I got it last. year okay it drives I made it 30 seconds. end up trying to be nice I can't no. you're doing a really good job I'm. enjoying.

it let's say 2018 works for. me 2018 champing tracks LT okay. yes you have good self-restraint $1. 6,436 on here it's at a 15 it's at a 15%. interest rate yeah I I applied and got. approved accepted all by myself so did. it by myself thank you shake my hand. well I'm very proud of you well done.

this is so good you've done such a good. job sweetie oh okay I'm treating you. like your parents oh good job which. actually hasn't helped you so maybe we. shouldn't do this you want to go ahead. and baby me cuz you can't handle your. emotions about how I'm responding by all. means go ahead oo a little cess I mean. just saying H I didn't have a problem. with your reactions but you were having. a problem I think no I just felt like. you weren't getting anything from him. which is what made me con what you're.

saying but I'm responding as the way I'm. going to take it right like you're going. to why why not try to learn anything. what's wrong with trying to learn. anything take your job and be like. actually like that is really actually a. compliment like you're not saying it. that way but I took it as a compliment. what is wrong with walking away from. what someone has ever told you and just. like potentially embracing it I'm an. absolute dumbass in 99% of life I'm. pretty good at this part cuz it is. something I selftaught and learned from. a lot of other people if I'm a dumb at. something like cooking for example maybe.

I should listen to what Chef Jake over. there maybe I would listen to him. instead of be a defensive little when he. tries to tell me anything okay oh the. 10-year-old one out the window adult. it's done it's done cuz you start to be. an so I'm going to treat you like a an. adult. okay I don't know what I'm doing here. I'm losing it are you feeling. overwhelmed by your financial future. whether it's planning for retirement. saving for a home or managing your.

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endorsement and therefore has an. incentive to promote domain money see. important disclosures at dmn. mn.com Cox no no I'm just losing it um. got so I would listen to him instead of. being a defensive person okay you're. allowed to listen here I will listen yes. but you're allowed to absorb it and. potentially change your mindset that's. what I'm saying that's what an adult. does when confronted with new. information even if it challenges their. world view that takes time right you're.

talking to me in real time while I'm. processing the things you're saying and. then what I have to sit on it so at. first like I'm giving you my genuine. response my genuine answer 2025 the year. of not kicking off guests 2025 the year. of not kicking off guests 2025 the year. of not kicking off guest it is 2024. still you are uploading in 2025 I am. trying to change things in the mood of. the Christmas. spirit 15% interest on here. compar do you know that that is bad yeah.

you do know that well I've heard that. it's supposed to be. lower but when you look at my credit. cards like what number yes I've heard. like well possible five to 10 3 to 10 am. I getting closer there's no way the. first numbers you were saying no no no. if we're like under four five okay under. four. five well those people proba have a good. credit score or like maybe a co-signer. or M about that it's just about any.

money down okay it's not I'm not even. just talking about that good credit. score or what to achieve oh my I just. trying to make sure you understand what. is a considered a good and not good. interest rate okay okay I'm just trying. to get you to understand that mine is. not good yours is not good but again I. wanted to ask you what you consider good. and you're saying even up to 10% no no. no no no no if we are like 6% are up. absolutely not.

okay mine is not good how can I get it. good it's less about that I just wanted. to make sure I don't think you can cuz. your credit score is not great and. interest rates are not fantastic right. now okay but the. $435 minimum monthly payment is very. scary for your situation very. scary explain okay this is like if you. woke up and you couldn't find your sippy. cup it's very scary. uh-huh and you have to call Mom and Dad.

it's like that very scary okay I'm super. scared does that make more sense. totally I'm really scared you disgust me. okay what is the term on this do you. know oh okay till the end of the decade. wonderful good when she's. 35 is that bad isn't that normal isn't a. five there's a difference between normal. and good and. bad the normal American is the normal.

American has a car payment in the 600s. the normal American is getting a new car. every few years the normal American is. drowning in credit card death the normal. American doesn't can't afford a $1,000. emergency F normal I don't want you to. be normal I want you to be doing better. because you no matter how much you piss. me off and no matter how not intelligent. in this world you are and how you. survived them Beyond concerned but. either way no matter all that you are. still a human being that exists which.

means I want you to do well so I don't. give a about normal I want you to do. better than them so we need good good. percentage good. numbers I need you to do well. yes Bank of America yes credit card what. are you smiling about just a happy. little creature okay Bank of America. you're looking at a credit card. statement I do uh pay Green Path. Wellness Financial something like that a.

monthly payment and they actually pay. all my the rest of my credit cards I. only pay the Discover hold on and then. the other four are you're in a de. cons why am I blanket on it. consolidation not consolidation you're. in a debt like negotiating something. like that program oh I'm blinking on the. term great time to Blink on the term I. think your brain. is can't blame wearing off on me can't. blame me. okay well so walk me through this again. so you you so you I pay them yeah who.

again what are they call Green Path. green okay so we're not thinking about. Bank of America anymore we're talking. about Green Path I guess not really no. because the rest of my four credit cards. how much you pay Green Path on a monthly. basis 171 and what do you owe to them. overall don't. know if I had a guess maybe 10 I don't. trust your guess you're not a real. liable near rat on anything that. involves a number how do you know did I. even give have you asked me number. questions taxes percent oh yeah I don't. about that okay so this card is now with.

Green Path they're now dealing with this. they are making the payment for you yes. so the issue with a lot of these and. there's some good ones there some bad. ones I support good ones in the right. context I don't know if you have the. right context because you probably. didn't fix your behavior remember the. behavior that got into this credit card. debt in the first place you probably are. not addressing that before you're doing. this which means you're going to. yourself again but either way okay so. I'm okay with some of those negotiating. companies but the thing is for some of.

them like bad ones that might pram. people who that are not that. smart they might have so much B so many. baked in fees and bull that you're. literally potentially losing even more. money than if you're just doing your. credit card payments you already know. you are why' you do it then what the are. you talking about well I didn't know. until after I already did it you can. usually you can sometimes back out of. these programs have you tried to reach. out to them I know phone numbers are. difficult no okay no I didn't try reach. out because it's already like set in. stone see what you can do I don't know.

about Green Path okay but see what you. can do I mean you've PID $250 in. interest in this year so cor Capital One. is that in Green Path yep okay so the. Capital One was a 14 well why was that. in Green Path is a 114 you could have. paid that it's less than your minimum. payments on everything we talked about. so far yeah 100% at the time though I. was in a transition no job so it was. just like sweet got it all moved to one. you basic no job. uh technically I do have a job yeah.

technically according to the government. you don't cuz you're not claiming your. income so I don't know what the you're. talking about well not yet want two. years I'll figure out how to do my taxes. hopefully after the show and then I'll. do what you do I know we're going to sit. you down with those people but yeah what. would you have done without that cuz you. haven't figured it out thus far then the. opportunity when it arise would have. Arisen Ro what right what it's all what. even is that what even is that it's a.

phrase or a mindset dude it all plays. out how it's like supposed. to W the mo I hope you don't get. any if if your parents die and you don't. have an inheritance and your boyfriend. becomes why is it that my parents have. to die why do you keep talking about. people dying cuz life happens and people. die I'm sorry it's not the happy part of. things but if they die and you not have. an inheritance and your boyfriend can't. deal with this anymore you are literally. not going to survive there is no chance. you going to always have to rely on. trying to go get someone because you.

can't do this yourself or a job but. again with your job you cannot sustain. and you are essentially assuming we're. in a CR our our job Market's fine yeah I. bet my T our job Market's fine right now. is it as good as it was a few years ago. of course not but compared to like a. recession job market it is still pretty. damn good you and I have not had to Shop. jobs in a real recession before you are. just assuming that I'll just get a job. is going to exist yeah but if it doesn't.

it I've already talked to you about this. it's not so bad to be homeless is that. bad you didn't say that fear of it right. you're like be afraid of this like this. is danger and I don't feel okay I think. you might just need to become homeless. so that you can experience how bad that. is I haven't but I at least can. recognize how bad it is but you're. unable to that's the most delusional. thing I've ever heard on the show. possibly because I think you just broke. a record you haven't been in a situation. how would you really know how. conversations documentaries education.

you can learn will you know the exact. experience in terms of a flesh level in. a really bad situation right now and I. don't even think what about the Freedom. Card. lady is this a part of green okay it was. it. 2000 with hundreds of dollars in. interest acre over the year of course. okay what is this oh those are the. student loans they paid for some of.

school but not all of it correct okay hm. they paid for private high school and. elementary and middle okay interesting. whatever that's fine it's not like they. have to 63,800 where did you go I went. to Grand Canyon University okay you're. always obsessed with something green. Grand Canyon oh grand grand KY yeah GCU. are these all federal student loans it. looks like so you have no private. student loans like a Sally May I already. paid that.

off you had to you paid it off yes 20 it. was 20,000 maybe 10 I don't know it's. been a. minute you're 30 it hasn't been that. long when did you pay it off how did you. pay it off maybe a few years ago why did. you pay it off well because it had me. doing payments every month uhhuh that. was it that's the only reason why then. why is everything else not paid off then. if that's the reason why well that one I. don't know how that one works you're. prioritizing going out which we haven't.

gotten to your spending it's in your. checking account but you specifically. said at the beginning of the. conversation you prioritize going out. other than paying off your debt why was. the Sally just every other gotta why was. Sally May then prioritized over that I. me I think I started paying before these. kicked in like when you got I got out of. col your other credit cards though yeah. those were after so Sally man started. paying first so you're responsible for a. little bit after college and you just. decided to revert to infancy I'm. confused why would you do that well I.

don't really know how it works what's. your minimum Mony payment on these. student loans zero are they zero or are. you not paying them they are. zero okay were you in an income based. repayment plan yes and you know that. yeah for sure yeah I reapplied for it. whenever they like were going to restart. your payments and then you had to switch. over the plans so then I went on. $3,817 payment and they're on deferment.

right now most likely cuz they are being. challenged in court they're all tied up. those that those type of payment. programs might get strick on and you. might be forced to pay about $700 a. month in payments that's what it would. be like before Co happened it it's why I. said it yeah yes but you realize that. right like you could get if you don't. they'll garnish your wages from whatever. job you have garnish my wages as in if. you go get a job before your income hits. like a W2 before your income hits they.

will take money before your income hits. they will force you to pay it Force. gunpoint because I'm not going to choose. to pay it like I was before I don't know. how you'd be able to now well I would. figure it out that's her answer for. every you don't you don't know you've. only known a good. economy you might be right about that I. don't I am right about that for sake. okay you win on that one it's not a win. lose this isn't it's not a competition I.

want to see you survive and do well I do. to if you're feeling this is a argument. then oh my gosh what did you graduate. with what was your. degree Elementary education why aren't. you. teaching I don't like school why I don't. think it's. useful I don't think it was necessary. what school M the tactics the the. classroom. style then why not try to get into like.

a a charter or private school that might. align with your teaching Style and what. you think a classroom should be not that. I would want you to teach a kid but okay. I just don't like. it why'd you get the degree to get a. degree to get a degree why didn't you. get more General Degree just like a. business degree or marketing it was the. fastest degree out of college that's all. you cared about and now you're just. being a nny and a half years trying to. do nursing and then it was like I did. not like that and was bad at it so it. even though to Elementary education just.

to get the degree got the degree and. then attempted teaching a few times and. did not like it and Nanny was like right. up my alley and I got to prepare for. like what it's like to be a mom or. attempt to be like build those skills. well if you ever want to do something. different I can gift you a course career. certification to change of field. something like accounting Tech whatever. you want I can gift that to you. if you can make it through it anyone can. make it through it I don't know if you. can I know you guys can challenge.

accepted yeah I'd love that oh okay well. you just let us know then now I let you. know now yeah well you got to see what. certifications are available okay oh I. see I just meant yes to the. opportunity okay oh no yeah what is this. this is screenshots from a note app with. a lot of dollar signs I'm very confused. this is three pages four three pages. what am I looking at here um that is an. IOU. list to for what uh things family okay.

so to again further proving the point if. you did not have them fall back on you. would be dying you would be. starving if don't know that we no no no. no if you could not find a food pantry. you would be starving we don't or eating. out of a dumpster we don't know. that that's what's the alternative. figuring it. out Bo. if you want to earn a $3,000 bonus you. need to keep listening Silo is running.

an exclusive launch promotion just for. you guys silos like Robin Hood but for. bonds and they're doing the best sign up. bonus I've ever heard of if you deposit. right now using my link they'll boost. your deposit by 3% up to a $3,000 bonus. and US government bonds are already. bringing in four to 4.5% bonds are. especially interesting right now because. the FED has been cutting rates left and. right with more Cuts expected all. throughout 2025 potentially even. dropping all the way back down to zero.

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interactive brokers and protected by. $500,000 in sipc insurance and up to. $2.5 million in FDIC insurance this. limited time launch offer is only. available for the first $10 million in. deposits and a big chunk of that is. already filled so if you want to get a. $3,000 bonus don't wait take advantage. of this opportunity to lock in over 7%. rates only with Silo at the link in the. description below now let's jump back. into the episode okay so we have an IO. no this one was paid okay this was $700.

to Mom uh Chase Credit owed to Mom $100. why do you owe 100 for Chase credit to. Mom did she make a minimum monthly. payment for you probably yeah utilities. owed to Mom $51 extra Bank cushion money. owed to mom. $50 I'm going to call your mom I'm going. to call your mom I'm going to call your. mom in the financial audit post show I. didn't tell my mom no I'm going to call. your mom in theing post show and I need. to tell her to cut you off I'm going to. call your M we're going to get through. your financial audit and then guys if.

you want to join our YouTube membership. in the post show we're going to call. your mom cuz this is this is crazy right. now Bank of America discover and Sally. May owe mom $35 $483 oh it's all mom. July bills ow to Mom $67 fun money Ed to. Mom you're aing infant $100 grocery. spending no to Mom you're not surviving. your mom is allowing you T tamping oh. Mom I'm assuming that means tampon yeah. probably $20 we're calling it tamping is.

that the okay this list is from 2017 and. it's been growing and been working on. since then so I only see one worked on. by the way fun fact only the one at the. top $50 weekend fun money owed to Mom. $400 Sally May and SoCal owed to Mom 200. guys I'm going to get comfortable we're. going to be here for a second three. that's not funny this is actually. disgusting like embarrassing you should. be embarrassed would you like me to cry.

instead no but I wouldn't laugh out of. comedic fashion cuz this is not I don't. think it's comedic fashion I think shut. the up I'm reading $50 IOU mom extra. money not even descriptive there $400 I. you li ticket paid 100 and then paid. another 100 paid another 100 so you. probably owe extra 100 or was it 600. that you owed and now was 400 no it. would have been 400 in that okay now. it's 300 what the is it LBI L that was. either lightning in a bottle or life is. beautiful wonderful I I I owe you to Mom.

blacked out $80 I owe you to Mama for. alcohol and snacks $30 wow thanks Mom. for being really good oh guess what dad. showed up for In-N-Out. $40 gee for sake $30 I owe you to Dad 60. for Mom for gas oh it was a dad present. that was the one $20 beer for Mom thanks. Mom gosh you're doing so. great $30 grocery mom $50 bills an extra. from Mom $100 clothing from Mom 400.

Vegas from Mom $500 October bills from. mom $50 mom extra spending. money I can't deal with you there is no. hope there is no hope look at this this. is the most insane I'm not even going to. go through this we can put it all on. screen but this is crazy we got Chase. November bills Chase de December bills. January Sally May overdraft account $50. extra spend in money dinner snacks. drinks oil gas. Thanksgiving uh fixing car low money.

borrow money Christmas presents June. therapy paid that one registration paid. okay we got a new 77 in TV 2.4 th000 o. to Mom I'm going to K myself a furniture. for apartment to Mom then passport oh. mattress. topper uh Camp I oil change Amazon. Walmart Amazon gas Amazon what a dra and.

then yeah the overdraft one as well what. a joke overdrafting are you kidding me. like what I'm sorry give me my. calculator back you don't deserve it you. won't even know what those letters and. symbols mean on there so can give it to. me I need a break huh I need a break is. that it or are you okay are. you she wasn't feeling bad because of. the conversation or because of Any Jabs. or jokes and stuff because everyone's.

well aware of what's happening when they. come on the show but. apparently all those screenshots. screenshots screenshots all of it is. finally stacking up and she's seen. exactly how much she owes to the family. and it boiled up to an overwhelming. sense and she needs a break and I would. understand because if any of us saw. those kind of numbers and that kind of. life. it's crazy it's hard when you talk about. your family it is yeah sorry cuz they do.

enable it they do you realize that I. have worked I have worked on like I mean. trying to break away from that however. at the end of the day when life gets. hard and it comes to yeah stepping up on. my own I do rely on them it's been a lot. it has been a lot and is that what push. you over the edge here was seeing how. much was stacked up um no it's the guilt. guilt so you feel immense guilt from. this cuz it's been years but I like owe.

them my life it's not even just the. money it's like I'm supposed to I've had. a privileged life and I should be better. at where I'm at okay I should be like a. real adult like super together and I. guess like hitting 30 was hard. because I thought by now I'd like. definitely have kids hopefully be. married like have like a career and I'm. not there you're doing better than me at. least you're not. single I don't know because maybe it is.

yeah another enabling situation it's. another any kind of person who's helping. you at the end of the day is enabling. you and so getting help you need a lot. of help you need a lot of help like more. than I'm help into changing your. behavior so I'd say the help you've. received so far hasn't actually helped. you no it saved me from saving myself. and that's not necessarily a good thing. I'm very appreciative and grateful for. it but it's time that I step it up for.

myself and not just for myself but for. my family I want to do better I'd love. to be one of those people who pays their. parents' debt off you know your parents. have that my some of my college some of. my sister's College oh they were going. into debt for this I mean they took out. ones for that I mean the house whatever. like life and situ you know the American. Dreams lifestyle situation that look. good on the surface but you know. underneath it's not real and that's.

clearly what I've played out to be and. it's time that I like do it for real not. what can we do though this conversation. so far has. been. honestly deeply worrying and I am glad. to at least hear right now that you're. you're ready to take the step you're. ready to take the step to sever the that. enablement that's been. happening but what can we actually do.

based on this convers it's been very. worrying yeah well I would think are. sure are you sure you want to film the. rest cuz you you you know you walked off. I do want to fil rest yes I need a break. and now I'm ready like the thing is. looking at it is one of the issues and. one of the first steps that I haven't. done right so being able to even look at. it is a first step you can change your. behavior though you think you can. actually change I think anything's. possible and if I've been able to do but.

that mindset has not worked I need to. correct that cuz you that's what you've. kept using this entire conversation is. that it's all possible or I'll figure it. out and maybe that's my perspective or. my version of Hope right without that. then I would hope without any actions is. nothing I'm not disagreeing with you. there I just think that you still need. the hope to continue on for the. possibility. point ofion and the idea that future me.

is going to solve it future me is going. to take care of it I have people to rely. on it now and now it's time that it's me. that steps up what you said wasn't like. 100% wrong the thing is is I've just. been surrounded we all know people in. our lives that have these hopes and. dreams and Ambitions starting a business. pursuing a career doing something but. they put no action behinds it and we. will always only ever hear them talking. about their hope so a hope is not going. to lead to the action it's actually.

you're going to have to walk away from. this conversation and Implement today. today what we talk about I don't think. that that needs to take away from my. delusional hope I think that the Hope. along with the actions like the talking. the talk needs to be paired with The. Walking The Walk has to align you need. to have hope I'm not saying don't have. hope yeah it's the Hope without the. action that's that's all I'm saying you. need the hope if you don't have hope. going through it that's also you're not. going to make it to the. yeah of course but okay I just I need to.

see the action so when you're when you. come on the financial audit followup. Channel there's going to be major. changes major changes why do you think. why do you think just besides the hope. why do you think you're actually going. to take the step after this because my. why is more important what's your why. give me your why right now my future the. idea that the idea right it's not a. reality that I'm going to have well. hopefully conjoined finances with my. boyfriend don't want him to have no I'm. saying that get married right I don't.

want my debt to impact him right I don't. want to come into debt in that. relationship and then having children it. can work sometimes sometimes what people. just need is to have everything really. strung out strung out show just really. thrown out demonstrated in front of them. just how bad it is cuz so many people. every I would say almost everyone that. comes on the show does not know how bad. their situation actually is until tell. us the show and it pushes to that moment. where people are finally willing to. actually change and if you're at that.

moment then I'm willing to continue cuz. I we can get you out of debt probably we. can figure it out um so let's continue. but getting to that moment is critical. what's this what am I looking. at a screen okay so. my Discover credit. card the original at 13,000 this is yeah. so look at this I called them and I saw.

this thing where you could just ask them. to lower your percentage and they did so. was at like what. 27 and they moved it to 24 and then next. thing I know is. this4 where what's that what I don't. understand how they just charged me a. fat. interest out of um like wait wait bring. up your app for me bring up for your app. okay but you're still going to have to. pay the interest for all the things that.

are already on the card before the new. percentage goes in I'm like obviously. yeah that makes sense you wouldn't. change the interest and lower it but why. would they tack on a full interest of. that before moving forward I need to see. it here you go I don't. know yeah no that's just your monthly. interest amount dude your monthly. interest amount is insane cuz your. balance is so high. high but it's never been that high like. I pay this every month it's usually $78.

and then all of a sudden it just jumps. up to 300 wait your minimum hold okay. okay well F I'm looking at an October. statement then let me see no October. statement it's cuz your starting balance. was lower you were 2,000 lower your. credit card's only gone up that's why. the interest was lower your minimum. monly payment was pretty similar but. lower cuz your balance was lower if you. have higher balance the interest is. higher if you have a higher balance the. minimum Mony payment is higher let me go. back to August let me go back to August.

August again you were $2,000 lower than. that previous month why do you think. it's getting higher you went from $9,000. in August like $200 more no cuz what in. your minimum monthly or your interest. and the interest your interest was only. your interest was only like $50 more I'm. looking at the past statements I went a. month PRI and it was $50 more and then. the month before that it was another $50. less again but you're you're going up. you gone up from 9,000 a couple months. ago to now at 13,000 so it is going to. be higher you just didn't know what your.

interest was cuz you probably didn't. look at your. statements you were getting horrendous. interest charged still possibly but I do. Rec definitely for okay okay maybe 78. maybe like a year ago but listen I okay. let me go all the way back to June June. June was around. 9,000 in okay okay well here is a lower. interest charge let me see why. you were on a. promotional oh yeah you were on a lower.

177% thing it jumped up so yes of course. your interest went up so that's what. happen even if they brought your. interest down from 30 to 25 it's still. above that 15% so yes that that's how. it's going to work and what is this what. is this those are my so I get paid on. Apple pay and then so this isle this is. my Apple pay like this is my wallet okay. so $450 came in and then you transferred. it to your bank and that's happened and.

then you sent some to someone you sent. one to someone and then you sent one to. someone for Uber and then. triaa Vape it's not AAA it's Vape yes. how much are you spending on Vape. probably more than I should be spending. yeah don't you want to survive so if you. do all the. long hard work that you're going to do. if you want to change your life don't. you actually want to see the reward in. the end $36 definitely not groceries for. you at Target more $43 for Vape Bagels.

$38 then L of transfers back and forth. and some Walgreens and stuff like that. corner corner Donuts 15 bucks went in. got some BS from the gas station $6 and. then Subway and bite the bagel $10 and. more vaping $43 how often is that $43 is. that for is that every week possibly. that's so much money I can't put that in. your budget I can't put that in your. budget Time 4 that's $172 a month I. can't put that in your budget that's an.

in you you have to work on that on your. own I can't get you to quit you're going. to have to quit I can't put that in your. budget that's horrendous and you're. killing yourself you also sent someone. $164 have so much fun in. Hawaii what the well when I went to. Hawaii my sister sent me some money and. how is she doing financially you didn't. no you don't you're we have the I have. the cash hey the come on you just you. you had a moment of big you big emotions.

because we finally saw the a the io IUS. to your family to your mom three pages. worth yeah you didn't have the cash you. have IUS you don't have the cash but I. did have the cash you don't you the I. when I was going to Hawaii my I didn't. have the cash I didn't have the money. and she sent it to me and it's not like. when she did that does she have IUS to. your mom I don't know probably then it. doesn't matter if you don't know you do. it's a different situation you and your.

sister are probably not in the same. situation no we got to call your mom on. the post show we got to call your mom in. the post show or your dad what are you. looking. for the total IUS is $. 17,488 sorry say it again $1. 17,488 in IUS Jake added them. up okay okay that's possible to pay. back right yes anything in okay.

so I see what are you thinking right now. challenge a big obstacle that I'm going. to overcome and have great skills. afterwards oh okay don't get yourselves. into challenges just so you can get. skills though I me I don't want you to. feel life like that I don't think that. was the intention however that is how. we're going to look at it to get through. 17,000 you you owe in the IUS yes if I. put that right now in my investing app.

Mumu it's the one I use if I put that in. there people that put their uninvested. cash in there I think they get 9% on. their money you'd get an extra now let's. divide that on a monthly basis You' get. an extra $127 in pure profits in one. month if that IOU was sitting in. something that generated you money but. instead you owe it to. Mom and I see that's where it. emotionally hits you every time it's. when we get to the IUS there are tissues. right there if you need one please feel. free okay yeah okay I know this doesn't.

seem like a part I should be glad in but. I am glad that there is a part of this. that emotionally hits you the credit. card didn't matter to you the student. loans didn't matter to you none of that. mattered to you but we got to the IUS. and it matters and if we have something. that actually matters and draws the. emotional response that may give us the. actual kick in the ass the fire under. our ass that we need to actually start. tackling some of this okay but.

yeah do. it yeah you are a California girl but. what matters clearly is people to me and. the emotions and the feelings and I've. done it in maybe a wrong and unhealthy. way and then it comes and bites me in. the ass and then I got to do it the. right way $135 in our checking account. that's not going to help us get there. selling out 100 bucks Uber Uber. Uber why are you ubering so much you.

have this car you're very proud of it oh. Uber is a like delivery food it's. superber. eats yeah breats do you cook yes how. often weekdays every weekday what do I. have three Uber Eats in a row then. weekends be different weekends be. different or three days in a. weekend no well Friday if you count. Friday why would I count Friday is a. week that's not a week it's a weekday.

you're right but you clock off and then. it's. like Uber Eats Uber eat so five in a row. so are weekends 5 days well no then. there'd be like breakfast lunch dinner. you're killing yourself and me and I'm. trying to be gentle I'm trying to be. gentle I'm trying to be gentle in the. latter half of this conversation no no. no but come on let I'm crazy delusional. that is insane NOP that's that's that's. bad for you that is bad for you it's bad.

for me financially and probably. healthwise too it. will taking care of myself taking care. of kiddos cooking cleaning it can be. draining come the weekend it's like well. I want to. be you work 25 hours a week I have no. sympathy. shut up the rest of us hours clocked the. rest of us if you're working unclocked.

hours and you need to get another. job CU that means it's you're not. getting paid for unclocked it's that 125. a week and then okay well how many extra. hours for that on a weekly basis be. realistic. realistic maybe 3 to. 10 you're still working less than a. normal person does I don't have sympathy. for that I am sorry it's called being an. adult it's really just called being an. adult some sometimes you have to make a. sacrifice sometimes you're a little. tired and you have to make a sacrifice.

also if you meal prep just a few times a. week that's the less time you have to. spend cooking I do meal. prep this is not with all this Uber. eating cuz then we go to big buffalo and. then we Uber eat then we Zell out 170. then we Zell out 200 and then we Uber. eat we Uber eat Amazon we get our nails. did for 167 then we Uber eat and we. Starbucks you know this is more than. just the weekends and golf club golf. club star Starbucks some snack at Target. probably cuz it's only six bucks. definitely not groceries. Amazon Vapes more Vapes ATM withraw who.

knows where the that went Uber Eats. Breakfast. Club Bird app Starbucks Bird app Bird. app Bird app a little scoo and we're. scooting around it was my birthday so I. went and spent a bunch of money. yeah it's not funny it's not funny happy. birthday Mom I'm paying you back. I mean the last time someone walked off. the show we uploaded that before. Thanksgiving maybe this one's before.

Christmas so if that's what happens guys. I'm theing future teller fortune person. I'm looking for your budget thing I. might need a budget thing I know you had. a budget thing what's the budget thing. the sheet where I write the budget I did. I felt the Staples earlier here it is I. got it okay income I'm going to say. 2,250 I need you to set a little aside. for taxes I need to set a little aside. for taxes your debt monly payments this. is going to be the crazy part you are so. lucky your boyfriend takes care how is. your guys relationship be as honest as.

you can be even if it is not good dreamy. I couldn't have imagined anything but. you guys are only in it for a year okay. but okay good good because if you're out. on your own I wouldn't even know what to. do here but thank goodness we don't have. to put a r payment in do you have to do. utilities or Internet or anything I. pitch in by paying for groceries okay. you're paying for groceries grocery. budget. $600 that takes care of two people and. that's meal prepping use the meal prep. in our debt class uh budgeting our. budgeting class and tweak it to your.

needs it's based off of HB anyway so you. can use it for sure TP fund anything. else you need to survive $100 that is. nails that is. whatever $600. for okay gas vroom vroom drive drive yes. 30 every two weeks do you no or are you. no I don't guing I'm. guessing well I would have to like keep. track of okay if you can have a guess if. it's an educated guess it. seems.

educated based on what based on how. often I can remember filling up my gas. tank and how much it costs you don't. remember if you filed taxes. yeah kind of I don't feel my gas tank up. that often in California it was every. week it was like 120 a week and now it's. like 30. bucks we didn't really know it was hard. to tell what was going in and going out. we got tolls so I'm going to do gas and. to is 100 bucks. but car.

insurance 260 330 I don't know it's. fluctuated. lately what do you. mean that's I had. 502 in one month yeah no right. Jake okay it hit your account twice but. maybe that's is you know we're seeing it. within two payment periods I'm going to. say 250 yeah that sounds right. okay and you don't contribute anything. to the house in terms of Internet okay. good good good good good good good.

Medical Healthcare anything Ong going. there you'll need it a lot if you keep. vaping but 17 a month for. vssp okay that's. eyes and you pay that out of pocket 7. yes what do you do for health insurance. nothing you don't have health insurance. no you are going to go get the most. basic minimum plan so that if you have a. huge Medical emergency you don't go. bankrupt at the very least okay you. don't owe hundreds of thousands of. dollars you're going to do $300 a month.

for that life's expensive and you're. just not doing it that's the thing this. is why you have so many IO no. subscriptions do you have any pets. technically actually I do have a. subscription I forgot about it I think. it's 35 a month for the cat food through. Amazon so you have cat yes so 35 bucks a. month for cat food well I'll put that in. the food area okay you have pet. insurance no get pet insurance I don't. know how you would be able to save its. life if you can't afford pet insurance.

you probably can't afford a pet 35 bucks. fa it is my boyfriend's cat and I moved. in and now like I mean obviously love. him he's my cat too why are you paying. for the food um well when my boyfriend. was gone in Korea I just took it over. and then I how long was he gone N9. months and then I thought I you guys. have been together for a year but he was. gone for 9 months no wonder you guys are. so happy a little more than. year but he's been gone all of it he was. gone for a good amount hey see if he can. take care of the pet insurance if it's.

his cat he should yeah 35 bucks a month. tell him to get pen Insurance anything. else that needs to be in your budget. that is not there I pay. $170 a month to my mom um for your debts. for my phone bill and then paying off. tires for a Jeep okay 175 for phone and. Jeep yeah you're close ah there it is. that pushed us over yeah you don't make. enough money yep 2561 just for you to. survive and you're not even paying for a. roof over your head no wonder your.

credit card's gone a couple months ago. from 9,000 to 13,000 and this is just. how it goes and no wonder your IOU list. is grown so we're encountering two. issues here your direction from here is. on two issues one no more using credit. cards if you're going to use a card. again you need to use like a Fizz card. which is a debit card but builds credit. but you just can't spend more than in. your Fizz card well it's called Fizz the. company's called Fizz we can get you. connected you can't use credit cards. you're not a credit card person you're. only building them up I'd close the. accounts I know it would hurt your. credit but I'd close your close it no.

yes close the Discover close it you. can't be trusted you're just hurting it. you're you're underwater by $250 a month. so there's a few things you need to do. you know shut down the credit card so. you don't have access to it you need to. build the budget go through the. budgeting class this is the makeshift. budget I hope this budget works but it. could be awful little you have to go. through your stuff in detail and figure. out what your monthly budget is and do. it on a monthly basis and figure out. what you need to do you need to control. your spending there is no BS spending. you don't have access to it now you.

either need to go get a second job or. you need to get those hours up at Nanny. R Us you know you got to you need you. need minimum an extra, a month and even. if you do this is still not the student. loans but the credit C the extra. ,000 a month mom car discover is still. like a four or fiveyear process so you. need to go double your income you know. you need to go from $25,000 a year to 50. I will be moving to California next year.

April that's going to make it probably. worse cost of living's higher and you. have to go find a job that makes up for. it like why well we want to start a. family and our families are there we're. from there why are you here my. boyfriend's stationed here he's in the. military for now that makes sense I'll. say why would anyone be in clean. okay that makes sense well wherever you. go you need to make that budget work but.

until you move you need to go make as. much money as possible doing tide. hustles dropping fries in the fryer you. know you need to do whatever you can if. you bring in an extra $2,000 a month net. which is almost doubling your income it. still takes almost three years to pay. off this debt without you having one. single scent of fun a paid fund you go. out to eat you do all that your. boyfriend's paying for it it's as simple. as that you can cannot do them and you. need to inform him of the situation. maybe we'll call him too does he know. your situation yeah did well you didn't.

know your situation so he knows your. situation from your perspective of it. yeah that I have like one set of credit. cards that I've closed with a company. and then one open in the Mounds okay I. think we have a lot of phone calls to. make in the post show make sure to join. our YouTube membership guys it really. helps support the channel enjoying. Hammer Elite for the best value of your. dollar there a lot of extra shows and. stuff we do back there uh but let's get. your Hammer Financial score spending in. a budg I don't even know if you over. spend or underspend uh spending 3,000. income you actually you had a better.

month than you suggest I get a lot of. venos in but are they all through the. pay or are you getting venos from. friends or what venos yeah venmo is all. we. had well if you make 2,500 and the rest. was who knows you spent 3,700 I I don't. know to know spending a budget you would. be technically over Z on of 10 why did. you have a better. month I don't understand I don't I don't. get venmo payments are you sure they're. not Apple pay in the. wallet sure we can call it that was that.

it Jake did. you yeah may have been Apple pay okay. okay well that's how I get paid well did. why did you make more than you say you. made well because I gave you like a. rough estimate but it was almost double. sometimes I work 40 hour weeks you need. to work 40 hours a week if you do that. we can pay off this debt yeah sometimes. I do work 40 okay well spending in the. budget according to the income that came. in not setting any money aside you did. okay it should be going towards the debt. 3 out of 10 but sometimes if you had a. low month it would be bad and I know. your debts only going up so usually it.

is bad debt with all the io is going to. bring it down you don't have any. collections or well you haven't paid IR. yeah you have IRS that you just don't. know it zero out of 10 emergency fund no. savings 0 out of 10 there's no. retirement 0 out of 10 real estate. nothing 0 out of. 10 it's going to be a Roundup to be. generous what is it that you me hammer. Financial score you said five out of 10. it's rounded up to a one out of 10 make. sure to join us in the post show we have. a lot of phone calls to make to people. in her life and get their thoughts and.

perspectives on this this is going to be. insane and make sure to check out all. our education bundled together for 15%. off I'll see you guys in the post show I. want to call your sister I just phone. call her you just phone call. her hello y you good she's sending you. money now she says she has to send you. money that's her own tally but yeah she. owes. $177,000 to your mom oh what to watch. the financial audit post show click the.

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