Spoiled. Toxic. B*tch. | Financial Audit

I have a tendency to manipulate my. fiance into doing whatever I want. The. fiance like what? I know I'm always. going to end up getting my way. I have. him wrapped around my finger. Yes, I am like going behind his back and. doing that, but in another way like I'm. getting what I want. Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. three exclusive dedicated. shows every single day, Monday through. Friday. And for the rest of the month, I.

am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammer elite.com. After. that, I'll send you a $10 digital gift. card that can be spent basically. anywhere and in most countries. This is. the best membership you'll ever join. That's a promise. Hi, my name is Lexi. I'm 24 years old. I'm from Lafayette, Louisiana, and this. is Financial Audit. You are the second person today with the. holes in the ears and the septum.

piercing. What creatures have we drugg. off the street? I appreciate you coming. down here or over from Lafayette. What. do you do there for a living, Lexi? So, I work from home. Uh, I work at a third. party. It's a It's weird to explain, but. it's a third party company that helps. out insurance companies. What's your. job? I'm a policy processing. representative. Very good. What do you. make? I make. 35k a year.

I make salary. Salary? 35,000. Usually minimum when it comes to. salaries these days, we're seeing at. least like 41 42. Why is it so low? I. may be wrong then. It could be hourly, but I you know they say 16. It's. about$6.99 something an hour. But how. many hours a week are you working? 40. full-time. Okay. Do you don't hit your account on a. monthly basis? Maybe that's your after. tax.

No. Uh I have it in my phone. Am I. allowed to pull that out? Yeah. If if. you don't know your monthly Yeah. income, I guess. I know the income. between me and my fiance. Uh monthly. I. like Fiance. Congratulations. Thank you. Thank you so much. Monthly income, our. total checks. Where's he? Where's he? Is. he been a little What's happening? So, feel like we should be having a fiance. conversation. No. Yeah. No. So, he just.

started this new job and he doesn't have. any time off of crude yet. So, he's not. able to make it, unfortunately. Okay. Are we looking at both y'alls combined. or just you? Both are uh both of ours. combined. Okay. So, what hits your. account? Total check is 2,9345. How often? Twice a month. 2,935. Uh 2,9345. So 2,9. Oh, I see what you're saying. I'm sorry. Yeah. Yeah. 45. Okay. Total is $4186.90.

The way you say numbers is a bit I know. I'm sorry. Weird, but that's okay. So. $4,186.90. That's your account on a monthly basis. On a monthly basis. Okay. So what are we. talking about today? because uh you. know, first of all, that gets you at. $50,000 a year after taxes. You clearly. have no idea what the you're making cuz. you cut your income likely in half. I. don't know how someone does that, but. that clearly suggests that we're not. budgeting. What is going on? What are we.

talking about today? Yeah. So, um. basically me and my fiance are stuck in. a cash advance cycle. Of course, it. started with our normal debt. Like, you. know, we came into the relationship. I. had my small Discover card with about a. $4,000 limit. He came in with like a. $20,000 limit. And um when this was 2021. when we started dating. Okay. Okay. Well, your finances shouldn't have been. intertwined at that point anyway. No, they were not. But okay, I get it. And.

the cash advance cycle can be a. struggle. Sometimes it can be helpful to. use a service like that, but when you. get really stuck in it, it's it's again. just it's a tool like a credit card. It's a tool like any of that. It can be. good. It can by the vast majority of. people just completely get stupid. Absolutely. I think one of the other. things I wanted to touch on, I need to. stop manipulating my way out of debt. Um, what does that even mean? What does. that possibly even mean? Basically, why.

you just hit okay? I have uh a tendency. to manipulate my fiance into doing. whatever I want. The fiance like what? We bicker back and forth a lot, but I. know I'm always going to end up getting. my way. I have them wrapped around my. finger. What does that mean? What are. different ways that you get batting my. eyelashes doing the I'm not asking what. it takes to get it. Okay. I'm talking. what you win. Um, usually getting more. cash advances. I'm the one that's.

putting us in the cycle and he's the one. that's trying to get us out. We Why did. you use we? So, how does that. conversation look? We have used all of. our money from our paychecks, from our. bills, and I either want to buy. something or I want to buy what maybe. makeup, maybe sake. And we know you. certainly love it. So, yeah. Um or like. going out to We love to do karaoke. We're both musicians, so we love doing. karaoke. And yes, the classical musician.

thing. Karaoke at a bar. We also perform. as well, but karaoke is like a big thing. for us. So, we cash advance the karaoke. Yeah, absolutely. Yeah, absolutely. So, casually, but he's against us. He pushes back and. you're just like, "Oh, please." Yes. He. pushes back and I push back even harder. And I'm always just convincing him that. like we have enough for the next.

paycheck. We can pay it off. And uh is. he desperate? I don't know. How old is. he? What? What is happening? He is 28. Is he desperate? Maybe we can ask him. I don't know. Okay, maybe I'll call him later and ask. then. Yeah, probably. I mean, they're. telling me you hide spending from him. until he notices how much she spends, how much you spend. Yes. Yeah, we have. You hide spending from your literal. fiance. I.e. What? We're trying to spend. the rest of our lives together.

Potentially have kids with. Do we have. kids? No, not yet. Okay. potentially. have kids with. You're hiding spending from him. What. are you hiding? It's usually like if I. go out to grocery shop or if I You're. not hiding grocery shopping. No, but I. mean like what I mean is if I go out to. grocery shop and I see something that I. want, that's what I'll h I'll like hide. it in the grocery. money. The are you talking about? Like. what? Once again, makeup or just like.

what is your obsession with it? I mean, you I guess you did. certainly did something to your. eyebrows. Trying to figure out what I did. Well, that's a little Mulanish. Oh, thank you. Um, no, I shaved the tails of my. eyebrows and then draw them back on. It's interesting. It's an art project. Okay. Absolutely. Guess everything's a. canvas when you're creative. Uh, okay. So, you hide that and like the. grocery spending and what else? Uh, also.

like uh tanning. I love to go tanning. So, like selftanner. Um, they're they're. all lining up so far. Yeah, they're all. Yeah, everything you're mentioning is. very visually represented. Perfect. Okay. Definitely. What else? Um, wait. hide going to the tanning going and. getting tanned in the grocery budget. Absolutely. You guys lined out a grocery. budget and you go get tanned.

What are you doing? Why? He's your. fiance. You want to have a life. together? How the could he even trust. you? How could he trust that you guys. come together, make a budget so we can. get out of the cash advance cycle and he. just trusts you to not go spread cheeks. under a light and get your hole all. browned? He's a really trusting guy, I. guess. And that's bad clearly. Yeah. And. you're okay with it. You don't feel. disgusted. I'm a little disgusted. Really? Nothing. No remorse, no.

sympathy, no perspective of what the. other p person might be feeling out on. the other side. No empathy, nothing. Nothing. Nothing. And how often does he find this out? Usually right after I make the purchase. Oh. And how does that conversation go? cuz obviously he didn't really consent. to that purchase and then you do it and. then he's like, "Oh, now I know. Please. don't do it again." How does that. conversation go? Basically, just how you. described it. He, you know, figures out. that I bought something and I tell him,

"Oh, yeah. So, I I may have bought this. as well and okay, but just don't do it. again." And I'm like, "Okay." And then. turn around, do it again. What are your feelings on that lady? I. mean, in a certain way, yes, I am like. not happy about like having, you know, going behind his back and doing that, but in another way, like I'm getting. what I want. So, I mean, I grew up in a. spoiled like I was spoiled growing up.

I never got told no. So, I You're 24. You've grown up. You've grown the up. At least you're. supposed to. Are you trying to smell me? What are you doing? No, sorry. No. Um, I mean, I Yeah, grew up in a spoiled. household and I never got told no. From. mommy and daddy. From mommy and daddy. What the, dude? So, now you're just.

using this guy. What? Are you sick? I know. Are you. trying to smell your piercing? I I'm so. confused. No, I'm sorry. I I breathe. really hard. I'm sorry. That's That's. not breathing. We don't call that. breathing. That's snorting. I'm not trying to I'm not trying to do. it on purpose. I promise. So, tell me. how the conversation actually goes, though. I want to hear it. Give me his. perspective. Let's see if you can. empathize with the other side. Tell me. What are you mimicking mimicking me?

So basically uh this basically what. happens is I will come home from. spending money on groceries and whatever. small thing. Come home from spending. money. Great. Come home from spending. money. It's a great job. And he will. confront me usually and say hey I. noticed that this amount of money has. come out of the account. What did you. spend it on? I tell him like either you.

know XYZ this is what I spent it on and. he will either get upset or he is okay. with it. And how do you act? What is. your personality like during that? Very. fl like you know nonchalant basically. just like oh okay you. that's your personality during that. Okay continue. I mean, it goes from, you. know, telling him like what I spent my. money on. Either he's okay with it or.

either he is not okay with it. And if. he's not okay with it, we bicker back. and forth. Just why would you spend. money on that? You know, we're trying to. get out again. Why would you go do it. again? Why would you go do it again if. he's clearly visibly upset and you guys. bicker back and forth? Okay. But like. the things I'm spending it on is like. stuff I need like makeup. Like I need. makeup. I need to go out like Sure. But. I I need to go out in public and I have. to put on a face. You can put on a fake. What is your normal face? Let me see a. picture of you without makeup. Oh, I.

don't know if I have a photo of me. without makeup. Let's see. So, you're always fake. Yeah, absolutely. Oh, we love fake. Yeah. People. Um, but I'm also like super pale. normally, so I like God. I But you use. the word need. Do you understand what. the the word need means? You could go. That's another thing that I have a. problem with. He clearly, that's one of. the things he brings up. You don't know. the difference between need and want. Yeah. Sounds like he should be on this. side of the table. So, why don't you.

correct anything? Cuz he brings up what. sound like likely good points and he. wants your guys' relationship to work. for some reason. And you're like, "No, that I'm going to keep being horrible. I just. you have no desire to change. No desire. to be a better person. No desire to lift. him up. No desire to change your bad. habits for him. Let me see a picture of. him. I have a picture of our engagement photo.

as my background. He's not a bad looking. dude. What is he doing? Okay, but yeah. No. Um I mean that's not true. I do want. to change. That's I mean that's why I'm. here. Like I wouldn't be here if I. didn't want to change. I realize like I. have a whatever. But like it's so. nothing. It just means nothing. That's. what everyone says. It's an immediate. deflection. That's why I'm here. No. I. mean, come on. What have you actually. done to change instead of instead of.

just that's why I'm here? Give me. actions you've done to change. Okay. Uh. I Oh, I went into an MLM. I put myself. in an MLM. But you know it's an MLM. You. just said MLM. So what's why would you. do it? because I didn't at the time. obviously I didn't know it was an MLM. Uh what the was it? It was Cincy. Uh. Cincy is that makeup? No, Cincy is a uh. like candle company. It's like candle. wax and like wax warmers and stuff like.

that. They have What are we doing? Uh. yeah, I had a family friend who was into. it. I started under her thinking like, "Oh, this is going to make us extra. money." She was talking about how she. was paying off her camper note with it. And I was like, "Damn, I could make that. much money." So, I got myself into it. I. paid $200 for a starter kit and ended up. not selling anything because Yeah. Who. the would be buying your wax? Hey, honestly, who would buy your wax? It.

smells good. No, who would buy the wax? I'm glad it smells good. Who would be. buying the wax? Obviously, like family, friends, or like at the time, so it's. milking your family friends. So, not. only do you manipulate your hot fiance. out of everything, you also manipulate. your friends to buy your so that you can. make money on your MLM. And how much money did you make? Jeez. Uh, I would say I think I made enough to. pay off the starter kit. 200 bucks. 200. over how long? 3 months. Oh, for what.

are you doing? That's not trying to. change something. You And then you what? And then I stopped cuz I just knew it. wasn't going $200. At least it was $200. You didn't spend any more money on it, did you? I did. Yeah. I actually I. bought some of the products. Uh look at. that. What are you? But they had Disney. They had Disney stuff and Nightmare. Before Christmas stuff. How much did you. spend? Cuz we have the starter kit. $200. How much did you spend? Yeah, probably. another 150. Why? I the the purpose it.

was really cute. Oh, for it was really. cute. It made you buy that myself. I. bought it under my plan. So, you kind of got a cut. Yeah. Like a. discount. Yeah. Almost. Yes. This is. soing moronic. And what does the man. think of this? Um, he wasn't very happy. about it because why is he still with. you from your perspective? I think he. really likes my personality.

I think when it comes to finances, you. know, I may not be the most empathetic, but in other empathetic, you literally. go behind his back when you guys have. agreed upon a budget and then you. manipulate them to let you spend more. money when you shouldn't to continue. theing pay advance cycle and then you. manipulate your friends and family to. try to sell things off out of an MLM for. them. What the what are you talking. about? You're under underscoring kind of. what you do. You're under cookooking a. little there. But go on. Why would why.

does he like you? I think in other. situations like outside of the finances, I am a very empathetic person normally. Uh-huh. Mhm. Mhm. No. I mean, that's incorrect. You can. say whatever you want, but that's. incorrect. I mean, you're just meeting. me for the first time. How could you. know? Because I know you. You know me. I. know you. Listen to what youing said and. how you've described these things.

What are you talking about? You haven't. changed a single single piece of. behavior after these tough conversations. with him. You haven't changed a thing. What are you talking about empathy? What. empathy do you have? Oh, you see a. skinny kid in Africa, so you get a. little sad. No, I mean like in other. feel sad from that. No, that's not what. I mean. You know that's not what I mean. in other situations like you know when. he's feeling sad like I'm there for him. and I I help him like feel better and.

stuff basic bare bones responsibilities. I mean of a partner he's sad so you. support him wow. that is not you being a good person I. can't allow you to think you're a good. person you've consistently gone behind. this guy's back I'm not going to just. sugarcoat this and just let you off. I I. don't care if I look mean. You act like. a piece of financially with him at.

minimum by your own admission. So, I don't know what the you're talking. about. Empathy. How much is usually in your guys'. checking account? Just between paycheck. paycheck. Between paycheck usually we're. in the negative. Good. And yet you don't. stop your cake machine and everything. This makes no sense. You're prioritizing. your selfish desires over any potential. future. How long have you guys been.

engaged? We've been engaged for 2 years. and we get married in October. Oh no. Man, if you're listening, is he watching. this? Most likely. Man, give me a call. if you need buddy. Doesn't even have to. be on camera. What the are you doing? You got time. Sorry, I'm not trying to. be a but look at how you're doing. things, lady. You're just fully. self-admitting and almost proud in the. way you present that you're okay with. going behind your back. And I do. appreciate you for what it's worth being. willing to be open and honest. That is a. tough thing. That is a brave thing to do.

and I appreciate that. But you're also. kind of a. I mean, yeah, I I guess about. Yeah, you're a Yeah. I also would like. to put forward that with the. like our negative balance, we actually. have Capital One and they have no fee. overdraft. So, I mean, it's not that big. of a deal that we're going into. overdraft. So, it's okay that we're. completely financially guys cuz we're.

not we'll never be able to get a house, never be able to take care of kids, never be able to pay off debt, never be. able to get ahead in any way whatsoever, never be able to do anything. Good luck. retirement. Never heard of that. But we don't have. overdraft fees, guys. So, we're golden. I do have the Are you talking Yeah. How. much is in your retirement? About 2.5. Last time I checked. 2.5K. When did you start working? Uh, last. year. June 3rd.

So, I've been there just about a little. over I assume you just turned on a. match, right? You turn on your match. The number one YouTube membership just. got upgraded. And for this month only, you can join for free. Three exclusive. shows every day, Monday through Friday. Financial audit post shows, exclusive. and uncensored financial audit episodes, our call-in show, hammer it out. Then. take the train, and brand new shows, fat.

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$10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. Yeah, this is how we have to do a free trial. on here because the platform doesn't. currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership. on YouTube today for free. I mean, they have the note that I guess. his loans and debt gets pushed to the. side a lot because of you, because of. your priorities. And this is what you. guys self admitted when having a phone.

call with the producers. You guys just. endlessly fight on what bills to pay. with your paychecks before they go to. zero, obviously. And it's just he's just. fed up. He's just fed. No, he doesn't. want to be here. This would be hard to. confront them. It probably would have. been eye opening to you, my guy. But I. can I can understand. So, what the You. guys pick her back and forth. Yeah, you. have no care in the world. No care in the world. You just.

prioritize your own spending. Going out. to eat was $1,000. So what the are you. talking about? Miscellaneous [ __ ]. $58. Large purchases 556. Groceries is 300. Going out to eat was. a,000. So come on. You're prioritizing. that what you want. all your your. makeup, your tanning, your food, your. fun over his bills or the debt he has. that he wants to take care of on behalf.

of the relationship so that once you. guys enter marriage in October and we. are essentially in a way whether you're. spiritual or legal whatever you want to. think about it combined that you guys. can have a good life together and not. have to have one of the leading causes. for divorce in this country financial. problems but you're like no let's test. that let's push it to the limit. Let's. see how far we can push financial. problems before it breaks. We actually. did have a small breakup because of.

finances. This was we had just moved to. Lafayette. It was a couple months um. into us living in Lafayette. And. when I don't know I don't know when you. moved to Lafayette. Sorry. How would. Iinging know when you moved to. Lafayette? It was it was late March. 2024. So you guys were already engaged. Yeah. And we broke up for like three. hours and then Oh, come on. But the fact. that you guys had the discussion, that. is not good for the things to come. That.

is not a good sign for the times to. come. Cuz let me tell you that in the. back of his head. That in the back of. his head. You guys have these. conversations. He stacks this up every. time you go behind his back. Stack. Stack. Stack. Hey, future wifey. I want. to pay off debt. Stack, stack, stack, stack, stack. Makeup, makeup, makeup, makeup. Hey, can we prioritize paying. off this debt? Stack, stack, stack. Going out to eat. You. just going to You think you Have you.

guys delayed the engagement ever? Delayed it the marriage. Oh, no. Getting. engaged. Okay. I'm honestly surprised. Honestly surprised. How do you guys even. pay your bills? Cuz I assume you guys. have the max out uh you max out this. early pay. How do you guys pay for. things in between then? Cuz there's no. way. Unless you have every early pay. that's ever been invented, but even then. you're only paying them back and then. having to borrow again. Well, there are. certain ways that we get around like.

paying off certain advances. We each. have a savings account and we will pull. the money from the checking into the. savings account so that way it stops. from autodrafting and that way we can. pay whatever like bill is most. important. So, like rent, truck note, whatever, all that. So, there's $800 in. savings. We're not going to be able to. do that forever. What are you talking. about? You ever borrow money from family. or friends or Yes. Oh, [ __ ] sake. What?

How much? How often? Not much and not. often. Uh, I borrow, which is, by the. way, why I have the note that you guys. borrow from your mom once every. paycheck. You liar. You're not going to manipulate. me in this conversation as well. Yeah, I. asked that question as a lead on because. I knew the answer because they typed. that answer to me as an interesting. thing to bring up next. You manipulate. him. You're not going to manipulate me. I've been in too many of these. conversations. Okay, you borrow from your mother.

everying paycheck. She spoiled you your. entire life and now you come on here, you try to pretend like, oh no, we're. just struggling. Can't make ends meet. How often do you borrow? Oh, not that. often. Every paycheck. The are you doing? Why mess with me like. that? You had the pre-in questions with. the producers. They know you. I don't. I. go in blind with the audience, but they.

feed me things here. Here and there. You. lied. Why lie to me? I thought we were. just talking about friends. If we're. talking If we were talking Okay. Yes. If. we were talking about friends and. family, yes, I do borrow from my mom. once every paycheck. That's insane. How. much? Usually just like 50. And I pay. her back. You have to pay You'reing pay. advanced from your mother. You realize. how insane that is. No, I'm going to be. honest. No, I don't know how insane that.

is. I mean, she's my mom. She's my mom. She's supposed to help me out in times. of need, isn't she? Oh, she's enabling. the out of you. Oh, mother. If you're. seeing this, oh, cut this woman off. Cut. this woman off. Banks, if you're seeing. this, cut this woman off. Except you. probably make a lot of money off of her, so I understand why you're not. But mom, at least cut her off. Oh, you've just. been spoiled your entire life. You don't. even understand how this could be. considered bad. You're bar. And the friends, the friends doesn't.

happen as often as the mom. It's maybe. like once a month. That's what you consider not mud because. because mom's twice a month and for once. a month is not that what the are you. talking about lady what are you on what. the are you on what damage do you have. oh dude what the are you talking about. what the act are you talking about that. makes no that doesn't make sense that.

doesn't make sense what are you. borrowing from your friends for I'm. borrowing from my friends for the same. reason I borrow from my mom Why? What's. the reason? I don't know the reason. You. haven't told me the reason. It's usually. because we're out of advances to take. out and we're out of money and we need. to buy like cat food. We have two cats. Oh, [ __ ] off. Then go get youring caked. up makeup. I told cats come first. Cats. come first.

I told you earlier I need makeup to go. out in public like No, you don't. You do. because you'reing insecure. You don't need that. I mean, I grew up. in a household where my mom told me that. it was it was needed. Well, your mom's a. and also she funds your entire life. Don't listen to her. What? She's spoiled you into your entire life. Why are you listening to your mother on. this makeup thing?

You're not a kid anymore. I understand. it. If you're 13, she's like, "Put on. your makeup. We're going to church. Got. to put on your makeup so the boys will. hit on you at school. He. I don't understand. You're 24. You can. make your own choices. Okay. I guess. it's embedded in you. I get that. But. but it's still just like I mean you. still want to listen to your parents. even if you're an adult. Your mother. would shame you right now if you didn't. put on a 20 lb before you leave the. house. Absolutely she would. Absolutely.

she would. if she like so she looks like. an insane northeast Italian mom. No, she's uh she's a little a little paler. than I am and she No, she doesn't wear. as much makeup as I do. But like I I. mean I grew up with like 2016 YouTube. where like you also grew up with real. eyebrows. I did. Very true. Those didn't. last long. Okay, go on YouTube. Yeah, James Charles. Yeah, James Charles, Jeffree Star, all of that. I I grew up.

with 2016 YouTube. So that's why I do my. makeup the way I do it. You know, they. moved on. That doesn't mean I have to. I. mean, I just I don't know what to do. with you. I I I just I don't know what. to do. What the does your mom even do. for a living? My mom does hair for the. movie industry. How much does that pay? You're in Lafayette, right? Are they in. Lafayette? No, they're in Lake Charles, but she goes to New Orleans. Like she. has an apartment in New Orleans that. she'll stay at during a big movie city. Yeah, New Orleans is a huge movie city. Fact check. Okay, true. But yeah, she.

makes about 100k a year. How much do. they make? Uh, my mom makes 100k a year. My dad probably about 75. My dad works. at They do very well for what it's. worth. Um, oh, it's it's just it's just it's. honestly just bad for you and your. entire existence in your future that. they have spoiled you your entire life. I don't see it that way. How? Look where. you are. You would you suggest to me. you're in a decent place? I mean, no. Oh, I'm not What the are you talking.

about? How can you suggest that anything. that has led up to your financial. situation today can be considered good? You guys are destroying your financial. future, spending like you have unlimited. money, but you're just going further in. the hole. What do you mean? You have a. literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264. in monthly subscriptions. I didn't know we had that many. You guys. have to take control of your finances. How? Just download the Dollar Wise.

budgeting app. It shows all of your. expenses in one place and helps you. monitor your finances so you're not. blowing hundreds of dollars a year on. things you don't need. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. What I'm. saying is is them spoiling me is not. necessarily a bad thing. They were just. trying to do what their parents couldn't. do for them basically, which doesn't. exactly help. Listen, it sucks to. absolutely get nothing. Be living in. poverty. It sucks to overdo it as well. You know, no sense of struggle. You have.

no respect for the dollar. They come and. they give you money constantly. They. loan you money. Do you always pay it. back? Not always. Exactly. Exactly. That's why it's bad. You don't get that. You do not see that there's no. consequences for your actions and they. always bail you out. Why would you feel. like you need to actually sacrifice and. grind to make a better life? Why would. you feel like you need to do that if. they will forever bail you out? You have. a cushion that will exist no matter what.

you do. So why sacrifice? Why sacrifice. to get out of this mess when mommy and. daddy are there to save us if we need? I. guess I just want to prove to myself. that I can do it by myself. Well, you've. only. gone reverse. So, uh, and I think the future husband, hopefully not, is.

kind of involved in this as well. So, I. think he's impacted. It's not all about. you. I know everything you've done in. life has all been around your. selfishness and selfish desires, but it. impacts him, too. In fact, even if it's. just 50 bucks, but that is 100 bucks. every month. If they do that. indefinitely, it impacts them, too. This. isn't just about you. What about his parents? His parents help. us out as well. Oh, good, man. Oh, good. absolute. Do tell. His parents actually.

are the reason why we were able to move. to Lafayette. So, they covered the moving house. basically. Yeah. And they also covered. some of his debt as well. They took out. a loan. What the and and they well off. Yes, they are. You guys are just using. your parents and he's just as bad in. that case. It sounds like he supports. you guys borrowing 50 bucks every other. week from your mom. No. Oh, absolutely.

not. Borrowing from his parents to move. No, he hates having to ask his mom. What. the [ __ ] are you doing? But you're okay. with it. You push for it, don't you? Yeah. Oh, you pushed to borrow from his. parents. Oh, they they do. They do not. like you. No, they love me. No, they do. not like you. They love me. No way. There's not a chance in this world. Why. would they? I, like I said, great. personality. Daughter-in-law. coming in. Great personality. Where is. this great personality? I haven't. witnessed it yet. I could put it on for.

you if you want. I don't know. All. you're doing is sitting over there. sniffing. I mean, look what you're doing to her. boy. Their boy. Their son. Then you go. to them. You push for him to ask for. money. Oh gosh. How much did they give you for the move? Believe it was either five or 6,000. What the Why did you need the In what. world did you need that much money? So. the 1,000 of it was or like one Yeah,

1,000 of it was for the uh apartment and. then the rest of it was to pay off his. cashnut loan. What? What the Why? Why' they pay off. the loan? Why'd you need that to move? You need that to move. Uh, it was a very. I mean it's a high interest loan. Cashnet has a company sucks. They have. the worst freaking interest rates, but. um he asked for it. I mean he was like, "Hey, I just need a little assistance. getting out of this good situation." Oh, how are you guys going to sustain on.

your own if you guys don't get a massive. inheritance? And even if you do, you're. just going to blow it all. by the looks of it. Her too. So I don't. know, dude. I don't evening know. What an. opening to a conversation. What a first. impression. I had a [ __ ] first impression. Listen, I'll send you to a therapist with. Sandremine. and I'll get you a Fizz card, credit. card that a debit card that builds.

credit. So, take advantage of those. Of. course, career certification as well. But I want to know what you think your. financial score is. 0 to 10. Zero being. the worst, 10 being the best. Where do. you think the household is? You and him. combined, not your parents' household. finances. Definitely a zero. And you're okay with that? No, I'm not. okay with that. Yeah, you do nothing to. change it. Great. If you want your. financial score, if you want an. assessment to see where you stand in the. world of finances, go to kale.com. Click. that link in the description below and. go to kale.com/apply if you want to be.

on this show. And don't forget, if you. don't want to be like a guest on the. show and you want our budget friendly. cookbook that can't be purchased. anywhere else, I'll sign it and mail it. directly to you if you sign up for our. budgeting app. Take that free trial and. then sign up for the annual version. But. either way, take that free trial. Take. control of your finances with dollar. wise. Make sure you download it today. Okay. What am I looking at? I have something. closed. Uh, it's an auto. closed. So, repo. Oh, for sake. I haven't had a repo in.

forever. What are you getting repo for? So that's. a fun story. Oh man, basically I even. want to let her say it. I used to have a. 2015 Buick Verono. It was a gift from my. family because my great-grandfather had. passed away. Good. And I was 17. I'm. sorry, but also what? You've just been. given everything forever. No wonder you. have no respect for the dollar. Continue. So far story not that. thrilling. I was 17 when I got the car.

when I was. uh was that 20? Yeah, I was 22 years. old. Oh my god, it's just a child. I was. 22 years old and uh the catalytic. converter in the Buick Verona was going. out and instead of replacing the. catalytic converter like I was. recommended to, I instead Why listen to. people that know more than you? I. instead called my fiance and badgered.

him for 40 minutes to Yeah. 40 minutes. And I convinced him to let me get a Ford. Bronco Sport Heritage Edition year. 2023. Hey, 2022. You got a brand new Ford. Bronco? Yeah, it was. What a dumb what. aing Oh, youing con. Oh. Oh, this guy. This guy is such a pushover. What a Oh, he needs to be able to stand up on.

something. Oh. Oh, what a Oh, this guy. Oh, this guy. Oh, where is he? Oh, he. knows I would just be ripping him three. right now if he was here. No wonder. My. goodness. Where the are his balls? And. what is wrong? Huh? I just don't like. you talking about my fianceé. He's a. He's not. He let you. You have no money. You guys are dying in debt. You guys. broke up over finances. Well engaged.

And he let you get a brand new heritage. edition for Bronco because you cried for. 40 minutes like a manipulative. So he's a. are you talking about? Come on. Why. would you even manipulate him into this? Obviously it did not work out. No, it. didn't. Uh, I had the car. I got the car. in January of 2023. And you qualified for this debt? 2024. And you qualified for this debt? No, he.

co-signed. Did he want to? No. Oh, you. you. Oh, you are making Oh, you are harming. my existence. Yeah, I I definitely convinced him to. cosign with me. Oh my goodness. This is an awakening. Yeah. And yeah, I. had the car January 2024 and then wait. wait wait wait wait. They're they're. typing something to me. Oh, they said. for you, not with you. They're twisting.

something. He didn't sign for me. He. cosigned with me. He was your co-signer, though. He did this so you could get the car. He. wasn't co-signing with you. He co-signed. for you. Oh, sorry. I I don't know the. technical terms about it. Guy. run. What happened to the car? I had a retail. job at the time. I was making $10 an. hour. and the.

and the car note was $816. Oh, what was the balance? Uh 38. for sake. What was theing interest rate. that I don't know? I didn't pay. attention to it. Oh, I'm guessing it was. substantial. Who the [ __ ] Clay, you got a loan. $10. an hour, $40,000, $800 a month. But what. are you making a month? Uh, I was making.

Yeah, I was making Yeah. Yeah. Just. about. It was a great car though. It helped us. move to last year. I got to take it from. you cuz you were dumb. Well, I. surrendered it. I said it was a. repossession. I surrendered it. It. technically it comes up as a. repossession, doesn't it? Yeah. Well, just cuz it was voluntary doesn't mean. it wasn't to repossess you, little. theying lost. You deserve that credit hit and now it's.

on his Yeah. Oh, look at what your finances, your. decisions, your actions do to someone. else. It's unacceptable. You have him in so many disgusting ways. that are unacceptable as someone that. call themselves a partner. Okay, but I'm. not the only one with debt in this.

relationship here. It's not about debt. It's how you did it. You made $10 an. hour. Made him cosign on a car payment. you could never afford. How long did you. hold it? Till April. So 4 months. Would. you take it, [Applause]. man? Oh, I feel my veins tightening. But. that was why that was that was why we. ended up breaking up for like those 3. hours because said one of the cuz he. wasing engaged to a [ __ ] But yeah, one. of the reasons he said he would get back.

together is if I gave up the Bronco. We. were going to try and like trade it in. for a cheaper vehicle. Trade it in. Oh, your equity position must have been Oh, it was bad. Traded in. What trade in. were you going to do? Traded in. It was. a KiaForte 25,000. I think it was a 2024 too. Oh, but yeah. No, the the dealer said we. couldn't. And so I ended up Oh, that's. weird. Ended up uh surrendering the.

vehicle instead. Now we share a vehicle. I'm going to surrender my life after. this conversation. Me. You know what's harder than trying to. cancel a gym membership? Figuring out if. your insurance actually covers anything. I swear companies must take a class on. how to make this stuff as confusing as. possible. But if you're looking into. GLP-1 medications like Ozmpic or Regoi, Rorow, today's sponsor, cuts through all. that noise with their free insurance. checker. You just upload your insurance.

card and Row handles the nightmare. No. calls, no paperwork. Instead, you get a. clear report showing exactly what your. insurance covers. Over 500,000 people. have already used it, which should tell. you something. Go to road.co/caleb. to check your insurance for free. That. is r.co/caleb. And of course, go to row.co/safety. Ro.co/safety. for blackbox warning and full safety. information about JLP1 medications. Let's get back to the episode. Why is he. staying with you? I am so confused. I'm.

genuinely confused. Let me see another. angle of this man. Something's wrong. Something's wrong. You can listen. I'm. saying this is a solid five out of 10. here. You can scroll through. We have. engagement photos. I mean, he looks a. little bit like a Russian missionary. So, I'm not sure what he's trying toing. conquer and compensate out of this one. Whatever he's had,

Vladimir, you got it. Leave. Abandon. Abandon Afghanistan. The Union's. collapsing. Get out. Okay. Well, at least you're making more. money now. [ __ ] me. Okay. So, You have a payment plan on this or is it. just sitting there? It's just sitting. there. Oh, good. How nice. Good thing. you guys will never get a house ever. Wow. I should probably move the on, huh? So, is this your career track then? Are. we going to move up in here? What degree.

do you have? Did you go to college? Uh, I did, but I dropped out. I was going. for your theater. Uhhuh. Oh, Discover it. What am I even going. toing see in this thing? I don't even. know. I'm scared. I'm scared. I'm. scared. I'm scared. No. You absolute. animal. There's not a chance in this. damn world. You creature froming Mordor. You have been hatched. You Where are.

you? Oh, you have been delivered to this. earth to make humans suffer. You have. had fear. every month this year. soing far. Oh, I'm burning up. I am burning up. I'm. crashing out. I am crashing out right. now. Oh, I haven't seen someone like you. in at least a year. At least a [ __ ]. year. And it wasn't. Oh, oh my goodness.

At least I know I get to count down. theing hours until I have to sit across. one of these again. What the hell? We. had a late fee everying month this year. on the Discover it card. Lady, we're. trying to focus on paying off the cash. advances. You have to make your minimum. monthlying payments on everything else. still. What debt payment strategy are. you doing? Huh? What debt payment. strategy are you doing? The septum. version. It's not getting you there. Yeah, I was going to say right now we. really don't have a plan. It's just kind.

of sitting there. So, why did you say. you were focusing on paying off the. other things? You don't have plan. What. are you talking about? You're not. focusing on those. You probably aren't. focusing on those then if you don't have. a plan and they're just sitting there. What are you talking about? We're. focusing on paying the cash advances. right now. You just said you don't have. a plan. We're focusing on paying the. cash advances right now once we get out. of the balance on here. It doesn't say. lady cuz you sent me the second page of. the statement is the screenshot you sent. in. Very, very productive to this. conversation. Really appreciate it.

Nope, I got it. Never mind. Keep it. there. Keep it there. Put your phone. away. $4,349. That is insane. That ising crazy. That. is insane. That is more than your. monthly income on just one card. And we. have we have documents to go through. You better believe it. Interest 500. bucks. I mean, together all the fees and. everything. Oh, even the interest rate. is just 1.99%. And you areing that up. somehow. You areing that up somehow. What have you noted up in life? Have you. ever done something successfully? Yeah,

multiple things. Name two. I have done multiple shows in. theater and managed to get through all. of them without messing up a line. Congratulations. You have no career in. theater, so I do not consider that a. success. Number two, I got this job that. I have right now. How long have you had. it? A year. Okay. And which Oh yes. So. normally like used to I used to job hop. a lot and I have managed to keep this. job for a full year and I'm really proud. of myself. Wow, guys.

Our basic minimum of adult. responsibilities. That's what we're. they're we'reing. That's how we make it. through life, ladies and gentlemen. When. we pat ourselves on the back, you know. why? I know people like you. You know. why you're okay and so nonchalant about. everything. Look at you. The fact that. you're satisfied with that. The fact. that you're proud of that. You see that? You latch on to it like it's a grand. achievement and you think you are doing. so well because of it and you nothing.

else matters. None of that other stuff. can take away from it. You think because. you have one good thing to latch on to. all of a sudden it negates all the other. that's attached to you. No, it doesn't. You're not a good person. You haven't. accomplished much. You're at a job for a. year. Thank you for the applause. Appreciate it. It's the last applause. you'll ever get cuz you're never going. to be in a theater company again.

I don't even know what toing know. Looks. like the normal minimum is 113 though. 114. What a disaster. What's this? Is that. second page of this? Mm-m. That's. discover transactions. Discover what? Checking account. No, his he has a he.

has a Discover card as well. What's his. balance? Was that I. Oh, me. Oh, he's he's just as bad. He's. just as bad. He might not be as selfish, but he's just as bad. Fee, fee, fee. Just returning check. payment fee. Why? Why are you guys doing this? Why are you. guys doing this? What is this balance,

lady? I think it's like 20,000. Oh, what? Yeah. 20,000 on his Discover. credit card. I think so. Oh, what is his. job? He works as a fire alarm. technician. What does that pay? So, he. actually did a couple trainings and he. gets like dollar increases every time he. does training. So, he's making 19 now. A $20,000 hour credit card balance.

taking 19 hours an hour. What the world. are we living in? It is time to end it. all. Ran, if you're listening, send them. in. I'm ready. I'm ready. We need to leave. It's time. to leave this earth. Cinnamon. Austin, Texas is the seed of. of government and power of Texas. If you. want to destroy the second most. populated state, we're ready. Come on. in. I think that's a little dramatic. I. dude, I don't know. I don't know how we. survive as a society with people like.

you. I don't know. Look at this. And. people like him, too. $20,000 in credit. card debt on one credit card with return. fees when his minimum hits. Return fees. $18 an hour. What's his minimum. that I Oh, it's 41. It's 41. Okay. That's what he tries to sometimes pay. and then it gets returned because you. don't have enough money in your checking. account. Yeah. Cuz everything get 50 lbs. of makeup a month. $20,000.

[Music]. is. crazy. It is the most insane. I've ever seen. I don't know, man. Good. Good. What are we doing? What is. this? What is society? How have we.

survived? What the are we doing? Why do you possibly Why do we possibly. have 573.57%. interest rate debt? 573%. interest rate debt. What the is. happening? That's one of our cash. advances. It's not a cash advance. No, this is a payday loan. That's not a cash.

advance or payday loan. No, there's a. huge difference. There's a huge. difference. A cash advance is like you. get you a little paycheck early and then. you have to pay it off. And I said. sometimes those can be a tool, sometimes. abused. A lot of people get in a. situation. There is no tool at a 573%. interest rate. There is no tool. That's. not a tool. That's a nuke. What are you. talking about? You're taking out pity. loans and you think they're pay. advances? I I don't know the difference. I don't. know a lot about finances.

I'm trying to learn. I'm trying. I'm trying. Googleing exists. and it would tell you this is bad. We'll. send you through our educational. programs and they're good. Instead of. having to search for everything, we give. you all what you need. We have four. courses, five courses now, and you can. sign up for DollarWise Central and get. access to all them for a much lower cost. than purchasing them individually. Go to. dollarwise.com. But what the are you. talking about? What are you talking. about? You could have literally have.

looked up are payday loans bad. Is a 500. something% interest rate good? You could. have looked that up, lady. I mean, they made it seem like it would just. like, you know, it comes out selling you. on something. The company that wants you. to have their product and we need we did. need that advance. We were going on a. trip. Jesus. Oh, for I don't I don't I don't know how. to make it to this. Yeah, you talking.

about I'm sweating so much right now. We. were going on a trip to Galveston. To. Galveastston. It was a Gston. To Gston. Even like crab or something. Oh, it's a. Gston. We went toing mudwater. Well, we went to. Schlitterbond. An outdoor water park. A payday loan to. go to a water park.

Why am I doing this show anymore? Why am. I here? What am I doing with my life? I have. enough to retire. Well, more than enough. to retire. Why am I still having a. conversation like this? Me and my. girlfriend, we just go, we go live the. life we want to live. And yet I somehow. decided.

that I would sit in this chair today in. front of you the second septum piercing. in a row and you're taking off the. opposite and you don't even understand. why that's even slightly a bad thing. And then you abuse your boyfriend. What. the [ __ ] are we doing? And your parents, what the are we doing? And his parents, what are we doing? Why am I doing this? Why am I doing this? Why am I talking to. you? Why am Iing spending my time right. now talking to you? I mean, I need help.

I'm I'm here to get help. Shut the up. Okay, here. Let me give you some help. 500% interest is not good. Now I know. Yeah, now you know. That's the thing. Again, listen, I'm willing to help. someone. You're an abuser of your. fiance. You're a manipulator. You're a. disgusting creature on how you treat. people around you. Not going to. sugarcoat it. I don't care if I look.

like a It would be inappropriate for me. to say otherwise and just cuddle you and. make you think, "Oh, it's okay, princess.". That Why would I help you? I'm willing. to help 98% of the people that come on. the show. Why would I help you? If not. help me, you could help my fianceé. Yes, run. It's more help than I could ever. provide. I don't know why I'm why I Why. should I stay seated here? Honestly,

why? Why not? I could go out there and I. could just enjoy my time. I could just. enjoy my time. I could send Brand. Brandon home and highly encourage him to. do a Twitch stream tonight and then I. could just jump on and play video games. with him. That would be more fun. substantially more fun. Why the am I. sitting here? Oh, sorry guys. I'm. crashing out a little. Okay, I'd be. willing to help you if you weren't a. disgusting person. You're a disgusting. person. I'm so sorry. I'm so sorry that. I have to say that. People aren't. probably willing to tell you the truth.

You use and abuse everyone around you. I'm willing to help everyone. Everyone. that comes on the show, I'm willing to. help. I've actually paid off people's. debt behind the scenes. There's a few. people that I have helped when they've. showed progress. I am willing to help. Why the would I help you? What have you. done to deserve help? You just want another enabler is what. you want. You just want another enabler. in your life. Enabled and spoiled by. your parents and his parents and him.

No, not where I'm going with this. No, I. am here to get help. I am here. I. recognize that I am an I'm being. enabled. I recognize that I am spoiled. I recognize all of this. I am here to. get help. I don't want to do this. anymore. I don't want to put him in that. position anymore. I'm done. Like I I'm. literally done putting him in that. position. No, you would have done. something. That's bull. You lied to me.

at the beginning about how you borrow. from people and right there was another. lie. You might want to see that. You. might want to say that because it looks. good. You don't like that someone is. judging you right now. It feels good to. say that. That is a good defense. statement. And some people might. empathize. Those people are morons. You're lying to me. You're lying to. yourself. No, you don't. If you had an. actual desire to do that, you would have. done at least one singular thing before.

this conversation right here to actually. try to improve that between you and him. You've done nothing up until this. conversation, done nothing. Then you sat. here and now you want to try to say that. you really want to change that. If you. did, you would have at least put in an. attempt. You haven't done one attempt. That's not true. Off. That's not true.

Okay. So, payday loan. It's literally. literally $250. That's what you finance was $250. So, we could go to Galveston. What the? So, $250. payment is. What's your monthly payment?

It's usually a onetime payment of 305. Have you paid it? No, not not that one. yet. Not yet. I'm getting chills of just of disgust. All right, financial audit community. We're going to come together right now. and we're going to do a little bit of uh. self-reflection and confessing on my. behalf. The last couple years I've been. launching educational programs each. quarter or so. And then we also launched. our budgeting app and tens of thousands.

of people have taken these programs and. more than tens of thousands of people. have downloaded the budgeting app. The. fact is as someone who wanted to go to. college to educate people, I love. working with professionals and making. these programs that actually change. people's lives. But the confession in. realization is the more and more we make. and the more and more I want to make to. educate people on certain topics, the. more expensive it's all getting. So I. sat down with my team a few months ago. and we started brainstorming a solution. on this. We decided to rebrand kind of. everything we're working on for the.

future and we've brought it all in as. dollarwise. You got the budget app. version and then you got the education. version. And what we're doing right now. is bundling it all together for. literally 80% off. that is 80% off and. we're calling it Dollar Wise Central. You get all of our educational programs. that we've made and the premium version. of our budgeting app all for one. singular price. Again, it's literally. 80% off at dollarwise.com. Those links. are also in the description below. Tens.

of thousands of people have changed. their lives. You can, too. And now for a. lot cheaper. Go to dollarwise.com. This is insane. This is insane. Why would you allow this? Why would he. stay with this? Okay. Did he know you. were getting this? Yes. And his. thoughts? His thoughts. I mean, he. it was like a family trip, so we knew we. kind of needed the money. Um, go on. How does that make sense?

It's a family trip, so we have to get a. 500% interest rate loan. Please, please. connect those dots. Once again, we. didn't have any money from our from our. checks and we were going on this. Galveistston trip with his family and I. knew we were going to need a little bit. of money. So, I asked him if I could get. 500% and he said and he said, "Yeah, call him right now. I don't know if he's.

going to call him right the now. Uh, register network. You can only make. emergency calls. It's an emergency. I understand that. Yeah, Wi-Fi. Uh, can. you call him on Wi-Fi on that? Yeah, it. like legit is not letting me call him. Close your phone.

I'm going to. Man, what the are we doing here? Why? Why the. How Why are we spending me? This is at a 792% interest, right?

What the possible. are you doing? What the possible. are you doing? That one I I really don't remember what. that one was for, but that one we. borrowed.

Do you even know? Do you even know what. this cost you? You borrowed 500. Yes. Yeah. What's your. total you're paying back by the end? I. think it was like 15, wasn't it? Or two. 2,000. $4,000. $4,000. for $500. [Music].

But that's one Are you giving me a butt. from that? You're giving me a butt. What. do we go to the roller coaster park this. time? No, I was going to say that's one. of the ones that we were going to try. and pay off like with more than the. minimum payment. We weren't going to do. the minimum payment. Says the person. with negative money in their checking. account. [ __ ] you. That's a great plan. with no actionability that you're able. to do behind it. What are you talking about? The are you talking about right now?

Katrina, if you're listening this time, you don't need to target New Orleans. Go. straight to Lafayette. Hit that hard. Hit it hard. What the. $500 pay and then your finance charge on. top of that is 3,500. What are you?

What the even are you? I'm going to say. the balance of this right now is I don't. know. I'm going to say the balance of. this is. a thousand. Of course, you're going to. be paying a lot more than that. What are you? This is crazy. This is. What did you borrow for? I I don't. remember to be honest. We just I think I. don't evening know, man. Just a. situation. Probably groceries to be.

honest. What's the minimum payment of. $35. paid bi-weekly. split in half? This is from earlier this year. We're not officially halfway through the. year yet. And you don't know where this. is from. This literally life destroying. loan. You don't know where it's from. Earlier this year, a few months ago,

I remember taking it out. I just don't. remember what it was for. They started garnishing your wages from. this loan. Yes. You gave them access to your account. Yeah. This is a You gave them access to. your account. This isn't a government. They can't just garnish unless you give. access. But.

[Music]. I'm sweating so much. I'm sweating so. much and this is so this is so you don't. understand. You don't understand. Listen, you're at this point. Listen, actually, do I have empathy or for you. and how you do things?Oop. Bye-bye. You're But this is affecting so. many other people. This is affecting. your fiance, which honestly is probably.

more involved in honestly enabling this. more than I'm giving him credit for. Well, this is insane. This is insane. Why would you give them access to. youring payroll information? I think it. I thought it was required for this loan. probably cuz look at it. They're going. to make four. I'm just saying. a part of me wishes I was morally. bankrupt. Look at this. I make good.

money doing this, don't get me wrong. But look how much more money can be made. out there if you just have no morals. They gave you $500 and they make $3,500. of profit. Oh my goodness. What the. What the are we doing? Oh my gosh. Why sit here and film with. someone who's a disgusting person when I. could just be giving out loans to. disgusting people and ruining their. lives?

You're breaking records over here, girl. It continues. Hope my continuous. Good. I've lost it. I've lost any will. to survive. I've lost any. just what the.

uh. what am I doing? And this is at a. 591.87%. interest rate. You borrow $1,000 for. this one. Just goes up every time. You. pay back a total of $4,413. For what? That one was. also I mean we were in the negative. We. needed money for groceries. So, we took. out uh at first it took out.

600 and then at another point they let. me refinance it for the full thousand. So, I refinanced and took out the other. 300. This is the refinance. Yeah, she. refinanced to 597%. interest. 91 refinanced to 591%. interest. [Applause]. I'm I'm going to say the balance is. 1,750. The payments are insane. The payments.

this month alone are $464. $465. That's your monthly payment. And why did you take this out? Be real. Come on. Why did you take this out? I. know the answer. We refinanced it for. Why' you take this out? Why did you take. out the original loan? The original? [Music].

Because you didn't have enough PTO and. went to go see your friends. Oh, yes. That is why we took out the. original one. Sorry. That's from like. that's the one that was long long time. ago. Yeah. Long long time to go to her. is last October. It was Yeah. during Hurricane Francine. and I didn't have enough PTO. So, I took. a train to. Illinois,

stayed there for 2 weeks, and then came. back. But I needed money for like, you. know, groceries while I was staying with. my friend. [Applause]. What is this Lending Club loan for? What is this Lending Club loan for? You owe $243 from Lending Club with a. minimum monthly payment of 58.

What is this for? Trying to Do you know. one single thing? Do you know a literal. one thing? How have you made it this far in life? Apparently, it's his loan. Oh, and you. didn't even know that. You didn't even. know the difference between his loan and. your loan. I'm. Oh, it all just blends together at this. point. Oh my gosh. Where did Logan Paul go?

He went to a forest that I need to visit. for myself real quick. Lending Club. Yeah, that one I I literally do not. know. I don't recognize Lending Club. Well, he owes $243. I don't know what. the interest is because it's a. screenshot from his credit report. $58. minimum monthly payment.

Why do I see just a random Cash App. screenshot? That's my cash app. statement. Uh but they uh give me cash. advances as well. That's like one of the advances. If properly managed, be a tool. But my goodness, just like a credit. card, most people they'reing. Okay, so you owe $150.

I did pay that, but then I took out the $300 that they. offered me today. Ladies, what the are we doing? I just don't know why. What the. Why have you done these things?

You're coming on the show today. You're. coming on theinging show today. I need a. little bit of gas money. We would have given you gas money. at that point. No, you bought things at. Bies. Listen, we know your We know your. entire existence. You're a liar. A liar. You are a liar. Liar. Liar. Liar.

Matching Bronco t-shirts for you. My. mom. Yeah, they were super cute. I don't know. Shut. the up. $600. cash app that she took out the day of. filming financial audit.

Hey. Hey. Hey. I need a moment. I need a moment. I need a moment. Eventually,

is that the Midland credit? Don't. Okay. Lindsay. Yes, sir. Can this please be my. retirement episode? No, I don't think we're allowed to do. that. My life right now. You know, most content that people. produce on YouTube is fun.

Why weren't we a gaming channel? Why weren't we a food channel? Why weren't we a Graham Stefen talk at. the camera for 8 minutes channel? Why do. we have to be financial audit? Why do we have to be financial audit? [Applause].

[Applause]. I'm sorry. Gosh, I just reallying hate this. If it. flows through my bones. If you weren't such a piece of to him, to other people around you, I would have. sympathy. I would feel bad about this. But you're doing all this and dragging. him down with you while taking from both. sets of parents. It enrages me.

Midland Credit Management. What is this? That's my Best Buy card. It got uh. they they took it. I don't know if that. means it's in collections. I don't know. They are a debt collector, so I don't. know if that means it's in collections. or not. But it was a it was a Best Buy card. You're late. They have a minimum monthly payment for. you. You're late.

Why? Why? And you want to pay more on theing. payday loan. and you're not even paying this on time. What the are you? What? What? What? I I. Why aren't you paying this? We're trying to pay off the cash. advances. That's all it is. We're trying. to like We're trying to get out of the. cash advance cycle before we start.

tackling like our credit card debt. Don't use cash advance. You're on payday. loans. Sorry. You're on payday loans. Payday loans. You're on payday loans. [Music]. [Applause]. And what were we spending on the Best. Buy card? I bought a PlayStation 5. Me uh really wanted one. And so nothing.

like collections for PS5s. Got a PlayStation 5. Do you play it? Yeah, all the time. You should read a book. You have a long way to go. Oh, and you used that to upgrade their. PC. Yes. Yeah, we did.

Oh, she is Dave. Again, like this. It. can be. It can be. There's ways to use. it. There really are finessing ways. But. my Have you this one? Is this paid off? No, this one's No, listen to me. Listen. What do you owe? I think it was like 86. But I No, this one is because they. literally No, they literally me over on. this one. Shut the up. You were not You. everyone else over. You deserve it. They. me over on this one because I my credit.

card or my debit card information got. taken. It got stolen. And so the old. debit card was on the Dave account. whenever I went to pay it off. Like I. legit was like, "Okay, here's your. money, Dave." Trying to pay it off with. my new debit card. It locked me. Like it. was legit like, "No, you can't you can't. change your debit card information.". Like fraud thing. Did you call Did you. call David? Yes, I called. I called. Dave. They said, "Oh, the only way you. can do it is if you go to Walgreens to. an actual ATM." Like, try to make a.

stupid voice about something else while. you're sitting at this table. Good. Good taste of your own medicine. So we're just not paying then Dave. No. them. Okay. And then we're borrowing.

from Dave so we can buy makeup so that. we can do that. You look like you have Mushu hanging. around with you on your back or. something. waiting to pop out. I do have a dragon. or kind of a dragon tattoo on my thigh, so I guess that works. How much did that. cost? Was. 500. Reminder, she took out a $500 basically. 900% interest payday loan. Oh, the best.

part is is I put it on my credit card, too. Discover Bank. What the is this? It's. closed that one. Another Discover. No, that's the one. that I thought was like the 20,000. Then. what was the other one? The other one. was his transaction history on what the. discover. No, this is closed. You have.

no idea what you're talking about. You. don't know anything. You literally have. no idea what the you're talking about. You don't know a single. Oh, what about. Upstart? Upstart was he took that out for debt. consolidation. Well, it's closed. Yes, he uh ended up going with a uh debt. relief. And so $1,13. [Applause].

Oh, goody. Oh, good. We have student. loans. Oh, campus FCU 17,491. What's. that? That's his car. The truck. Yeah, truck. a truck for his What's his. job? He's a uh fire alarm technician. Does he need a truck for that? He needs. a truck to get to and from work.

I mean that we need a vehicle to like. get to and from places. So don't get a. expensive truck. He didn't. No, he he. got that he got that truck on a good. deal. He was working at $13,000. He owes. 17,500 off. You don't know what you're. talking about. Another continuation in. the long history of you don't know what. the you're talking about. student loans. Who's this? Is it the 27? Yeah, that's mine.

for our dropout. I hope he drops out of this marriage. checking account. Going in. Getting some BS. Getting some. BS. Door Dashing Taco Bell. Rejected. because we didn't have enough money in. our checking account. Rejected cuz we. didn't have enough money in our checking. account. Rejected cuz we didn't have. enough money in our checking account. Oh, would you believe this? Rejected.

because we didn't have enough money in. our checking account. Rejected for not having enough money in. our checking account. Rejected for not. having enough money in our checking. account. Rejected for not having enough. money in our checking account. rejected. for not having enough money in our. checking account, making a payment on. the couch applan, and then immediately. taking it back out. Door dashing Taco. Bell, Door Dashing Chick-fil-A, going in. and getting some BS. What are you going. in and getting from the gas station, lady? The gas station? Yes. I usually I mean, I usually get like a.

$3 thing. A Red Bulling. How many Red. Bulls? What are you getting? I usually I. like to do the deal where they do like. the buy two get one free. How often? any I mean anytime we have money to do. it. You don't have that's the point. Amazon, Red Bull, PlayStation, Float Me Funds, Float Me, Door Dash, Taco Bell, Door.

Dash Pass. We're paying for the. subscription. That's so good. Netflix, Sushi Moss, uh, Cult of Fas, Hamburger, Candle, Smoke Shop, Ulta, Door Dash. Um, um, Acadina Tap House at M. Who knows where. the that did it go somewhere good? Doubt. it. Sle the Sage karaoke bar getting Red.

Bull. Red Bull Domino's Ulta McDonald's, [Applause]. Vending Machine, Ghost Arcade, Discord. We're paying foring Discord. We're. Discord paying. We're paying for. Discord. That's so good. Oh, Red Bull. Red Bull.

Red Bull, Red Bull, Red Bull, Apple Bell, Red Bull, Red Bull, Red. Bull, Hulu. I'm almost through with my obligation. and then I'ming done. Taco Bell, Karaoke, Beer, Vending. Machine, Door Dash, Raising Kings, 32. with Denny's, Borg.

Gosh. Okay. Sorry. Vending machine. Vending machine. I. think uh Red Bull. Red Bull, you're. spending so much money. You have no. money. Makes no sense. It makes noing sense. Oh, wait. Withdraw. Red Bull Coffee, Red. Bull, Door Dash, Taco Bell, Red Bull, Panda Express, Mary's Lounge, What are you doing? Amazon Prime,

McDonald's, Red Bull, Red Bull, Little Caesars, Domino's, Door Dash, Racing Games, Apple Poo, Shik, Kindle. Smoke Shop. What are you smoking? A vape? Yeah, just. just I'm not going to say in Minecraft. Is this. [Applause]. Red Bull? Red Bull Salad Station. It's.

not making up for all the Taco Bells. Taco Bell, Raisin Canes, then Moon Out. Money, Frozen Sun, McDonald's. Door. Dash, McDonald's. Oh, man. Oh, how have. we made it? Cleo AI. It's fun. Why do you need it? No, Cleo's. another cash advance. That's not what I. thought it was at all. No, it's not AI. Cleo's another cash advance. Texico, Candyland, Venmo, Venmo, Apple,

PlayStation Network, Hulu, Sonic, Apple, Walmart, Apple. [Applause]. I I don't know what to do here.

Why. Why do you exist? Are you here to harm me? I'm not trying to. I didn't realize like you use abuse and. then. take out every loan possible because you. don't give a because husband will bail.

us out and support us cuz his parents. will bail us out and support us because. your parents will bail you out and. support you cuz your friends will bail. you out and support you. You get bailed. out, enabled, supportive. So why would. you give a destroy our finances? It. doesn't matter. They're always here to. save us. Why would you ever do anything? It's disgusting. It's selfish. It's. nasty. How the they continue to support. you, I have no idea. You go into MLMs. and sell it to your friends, they don't.

even buy it cuz they don't even trust. you anymore. They don't even respect you. anymore. Good luck. I'm not continuing this conversation. longer than I have to. And I've met my. obligation. I'm going to call the husband in the. post show. Join us there. Hammer. financial score. off. If you don't want to end up like.

that, let me tell you. Download the. dollar wise budgeting app. Start your. free trial. Take the annual version. I'll send you our cookbook signed by me. I'll see you in the post show. If I. evening make it there. Tell him how much. you're paying on those loans. He's at. work. Your call has been Wow. He did not. want to be in his hot seat. I don't care. what Lexi says. He said now is not a. great time talking to his boss. Can you. text him? He said, "I'll send it if you. want." Exclusive members content. Click. the link in the description or pin.

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