Sugar Baby Is The Most Entitled Spoiled Brat EVER | Financial Audit

been asking for more you're taking money. from your boyfriend for little sweet. treats why don't you just damn pay your. bills damn on time I think that a man. should take care of a. woman that's just how I think you think. your boyfriend cuz he's a man should. have to subsidize your inability to. control your own spending do he even. know where your money's going what does. he think he's helping with well a lot of. times I tell him a lot of times yeah not. every time. no hi my name is Amanda I'm 32 years old.

I'm based out of Georgetown Texas and. this is financial. audit thanks for coming on so what do we. do in Georgetown for a living um I'm a. pharmacy tech okay very cool Retail. Pharmacy okay that's a great industry to. be in so how much are we making right. now um well I guess at the time it was. 24 at the time what's at the time what. do you mean at when I was gave you those. now I'm getting a raise 25 but it hasn't.

oh congratulations 25 from. 2414 okay so it's kind of a minor raise. all right well but it's still a good. race I wasn't talking down against it. well why you you going to come and. offended well the only reason why is. because my mom is like always saying oh. you get so many good raises or whatever. do like yeah I think so okay well did. you start at when you started pharmacy. tech um well it wasn't at that Retail. Pharmacy it was at a different one one.

that I started and it was at I think. well at the job you're at now where did. you start oh uh 23 over the course of. how long to get to 25 September. 22 so two years with the $2 raise yeah. that's what your mom considers really. good raises yeah apparently she's like. getting 25 cents or something and she's. been with the the company for like over. 10 years she do the same job oh no oh. then what well I don't know maybe I I. don't know what they're supposed to make.

at other places. okay so you made like a 75 C increase. yeah something like that okay so you got. like a 3%. increase oh okay yeah that sounds right. okay cuz if I get a three it's I don't. know like the base or something you feel. that's keeping up a cost of living no. okay are you kidding I don't know like I. can't.

no I'm struggling out here. easy again. you you scare me you're like no [ __ ]. okay uh well obviously you know the uh. well some people don't they don't like. well okay inflation the most recent. report it sounds like you're keeping up. with the median wage growth that has. happened actually uh but obviously you. know certain sectors within the economy. is growing more in terms of price. increases like groceries and stuff like.

that yes uh well at least over the. pandemic not right now technically. year-over year but during the pandemic. it went up higher than anything else. either way regardless okay a 3% increase. how many hours a week are we working so. I was 40 but I'm going down to. about fo I'm going to school full-time. oh wow oh really I just yeah I'm pretty. sure I told y'all you may have talked to. someone else we're having a conversation. oh my bad I thought you read the stuff. that's why it's but we're having a they.

haven't the audience has not okay I got. it I got it now you're so defensive I'm. sorry my mom says that is she always. like this your friend was the one who. wanted you to come on the show she's a. fan of the show and you've seen like an. episode okay you said friend earlier I. did yeah um okay guys this is weird. Okay but and she just said yes this is. how you are so all right so you're going. to school what are you going to school. for um I'm gonna be a radiology.

technologist very cool okay so you've. had to drop your hours because of that. so we got a raise that's kind of negated. so how many hours are you going to be. working now a week um let's see. so eight 16 hours for the month for this. first month no no no no not the whole. month I just mean weekly for this first. month and then the second month I want. to see where how I do well or not in. school what it's been a long time it is. is there's nothing wrong with starting.

school again not at all um how are you. paying for school um it's financial aid. loans what school are you going to. uh is that public uh yeah what's the. tuition there what's what the tuition. there um well for my four classes that. I'm taking now it's going to be about. 1900 with books why can't you cash flow. that are you kidding okay sor.

huh uh I can't I don't have the money. because you're cutting down on work I I. spend horribly that's why okay so I. Haven usually the solution is we stop. spending horribly I'm confused why not. cash FL it so you're borrowing to. continue your spending of [ __ ] not. no you know you know that's how that. works out right I don't think so that. what how do you not think so that's. obviously going to make up for.

everything it's $1900 it's not an. insignificant amount of money but over. the course of a few. months we can cash flow that if you want. to okay well that's why I'm here so you. can tell me I am but you just said. that's not possible what are you talking. about no no no no I'm just saying the. way I'm thinking I don't I don't think. it is at this moment at this moment. explain because I don't really think I'm. doing that bad.

okay okay explain you don't think you're. doing that bad because of what what. what's indicating that where's your. philosophy I would like to at least know. where you're coming from so that I can. approach the conversation with at least. understanding your point of view I don't. know what what do you know do you know. anything yes I do okay can you tell me. any of that then uh what do you know. about your financial situation then okay. I do spend a lot I like to you know buy. clothes and things like that okay and. we're not cutting that back and we're. borrowing for school so essentially.

because you're not willing to cut back. on fun bull that do not actually. contribute to your needs you're. essentially. borrowing for that because you're not. cutting that down to pay for school does. that not make sense okay yes but I plan. on cutting why haven't you cuz you're. borrowing for. school if we're going to talk about the. notes that I have I know you're going to. borrow $10,000 that's what you have. spoiler alert usually like to introduce. the audience to that through a natural. conversation all right.

if you're borrowing $10,000 and we could. get you to cash flow half of school well. then I'll do Uber no that doesn't make. sense you're already cutting back from. your work hours why wouldn't you that. that time is just going to no cuz then I. can do Uber whenever I but that doesn't. make. it to do it when I have already studied. and everything yeah but that's not as. cost effective though because that puts. wear and tear on your car that puts. maintenance on your car then you know. car ins car that's even worse because.

you have a mile limit yeah but I'm going. to just get a new car with them so then. they're going to take that sorry they're. just going to take sorry don't apologize. to me you're the one yourself with. Lisas oh my God okay so wait I don't. think that that's bad though your goal. is to roll it over you you're no it's. you're still going to have to pay the. extra mileage fees no they said that I. will not be for what for what what kind. of deal if I get a car with them okay.

another lease or buy another car or just. buy a car and they'll forgive that. they'll essentially roll it over into. that it's probably what they're going to. do no which by the way is locking you. into having to get a car with them. meaning you might not get a car at a. good deal meaning whatever financing. options you have it's likely going to. feel restricted at that bank not at that. bank but at that dealership no but I. love that dealership why do you love a. dealership because they trade me well. great but they might take more of your.

money I don't think so I've gone there. I've gone there for a long time it's a. dealership what do you think they're. doing they're making money what are you. talking about just because they give you. handshake and free cookies doesn't mean. they're not making. money I mean their Lobby is really nice. are you that's not why this is real this. is. her okay I needed to confirm cuz what. the okay so you think you're. overspending in terms of income payroll. came in 3,000 523 okay okay does that.

sound about right. sure do you know how much comes in I. know that it's like 700 something a week. because I get paid weekly how much do. you think was spent the same amount. that's what my Bank of America. 3,523 sure. 5,325 so I think what happened was my. boyfriend you know oh. wait no that's spending right mhm oh. okay never mind okay no I was thinking.

because of the transactions that my. boyfriend was sending me money as well. oh yeah we had meta paying com in in of. 1,285 as well venu in. 398 okay but that doesn't make sense. you're telling me even with that I'm. making 3,000 and something we had. payroll of. 3,523 oh okay so then you don't know. anything about your finances do you no I. don't have you ever budgeted in your. life have you ever made a budget why are.

you on the show I know uh your cousin. not your friend your cousin is a fan of. the show and you've seen an episode and. you know you guys I guess work together. to get on here okay wonderful yeah why. are you here I'm here because I heard. that you can actually help people and. that you care to help people yeah and. that you like how you're doing now is. saying how it is which is oh yeah which. okay say how it is I get that oh yeah. I'm a but I also say what I feel which.

is good say what you feel yeah uh might. be delusional okay depending um I I'm. sure I have some delusion as well in. certain things we're not all super. informed and educated on everything. that's impossible we're a dumb species. but you know mhm but you don't seem like. you understand anything about your. current finances do you don't no I don't. okay um well definitely go through the. budgeting program you get access to it. cuz you're a guest on the show so we're. going to send you through a three-hour.

class take the quizzes build the budget. we're going to create a budget with you. by the end of this kind of a makeshift. one but what's actually going to be. required to make a detailed budget is. going to be actually sitting down and. discipline yourself for hours for hours. it's going to take a few hours the first. time and then every month it will get. shorter and shorter so make sure you. sign up for that or you don't have to. sign up for it we give you access to it. and you guys can sign up for it in the. link in the description below I Rec. she's good with money why has why hav't. you.

uh come together and anything like what. do you make trust me it's not about. making I've had people on the show make. well over six figures it's not about. making it's about managing it's about. spending it's about understanding idea. cuz she spends a lot of money too so I. don't know how the hell she saves okay. well it's not about her regardless so uh. okay I would love to see self assessed. this has just been chaos so far uh a. hurricane of a conversation um get back. on track self-c confess where do you. think your finances are are 10 being the.

best zero being the worst right now. where do you think they are. zero I really honestly think. that I don't think I'm good. at you know. money I've heard it a lot of times. especially because I'm getting money. from my boyfriend a lot so what are you. getting money from your boyfriend for to. help me with bills and things like that. he lives in the house with me it's not. like it's just going to me well it helps. what do you mean is he paying for bills.

or is he giving you money to help with. your bills money he's giving me money. that's different that is different than. like splitting rent is he helping pay. the bills or is he giving you money to. deal with your bills well sometimes he. does both okay why can you a 32-year-old. adult woman not able to take care of. yourself at all so I think that a man. should take care of a woman that's just. how I think you're TRD wife what does.

that even mean oh first of all you're. not a wife and two you have a job so. that's not even true but the way TRD. traditional wife it's like a it's a. thing that some people are into and the. way that you talked about it you made it. sound like that's how you wanted it a. man should take care of a woman well. yeah in certain things but I'm not. saying that I shouldn't do stuff myself. I just in these past few months been. asking for more why my spending's gotten. worse okay so you think your boyfriend. friend cuz he's a man should have to.

subsidize your inability to control your. own spending well he's okay with doing. that why um does he even know where your. money's going what does he think he's. helping with maybe he thinks he's. helping with the water bill maybe he. think he's helping with paying off some. debt well a lot of times I tell him what. it's going to a lot of times yeah not. every time no so he doesn't know the. money that he's giving you that you're. asking for so what so how does this how. does this work financially you're just. like I need some money Daddy I'll be. like okay for ew um no I'll text him and.

I'll be like hey babe can you send me. $200 and then he'll send me $200 and. I'll be like than bab feel so icky on. either side of that to be honest why. listen I love giving gifts but like the. the can I have $200 please Petty please. is this. like I don't know it's a little weird to. me but also you guys can live however. you want to it's whatever yeah I'll. judge it cuz I'm a judgmental person my. dad took care of my mom even whenever.

they were separated only when she needed. help first of all okay when she needs. help this isn't you needing help though. if you were down on your luck cuz you. got laid off and you can't pay your. bills it's different okay you're taking. the money and going and spend it on uh. spending $2,000 more than you. make I just don't believe that I'm not. going Li how do you not believe that. math is math is math is math is math. okay but it's because whenever I look at. my statement from Bank of America yeah. you spend on credit. cards okay so this isn't just about your. checking account I forgot about those oh. I forgot about the documents that make.

up 95% of them yeah it's interesting. well that's what happens when we don't. uh look at our statements and also cuz. I'm going to look at the the. conversations that we had beforehand you. also told uh us that you are even. spending more than in the documents that. we have like now you're spending even. worse yeah why it just don't you want to. go to school yes I do okay then why why. are we putting fun over that why are we.

willing to go into debt why we need to. get into these finances to give these. people some contacts this is. just this is I don't know I this is what. I want to talk about because this is. just insane that philosophy that mindset. where you are on this this is wild it's. a little imature it's a little entitled. as well dog I did dog sitting and so. that gave me extra money and so I was. kind of using than keep dog sitting okay. I will giving you extra money for what. for School uh um no cuz you're going.

spending more money than you have and. then play money what play money are you. allowed to have play money if you're. trying to go to why would you rather go. into debt further than you are right now. and you have a significant amount of. debt and we're about to get into a lot. of it but why the would you rather go. into more instead of just a little bit. of adult sacrifice 32 to go to school. potentially paid. for I want to give you free money right. now I've partnered with different. resources that will literally give you.

hundreds of dollarss the moment you sign. up for them check out my investing app. of choice Mumu where they give you up to. 15 free stocks and 8.1% interest on your. uninvested cash when you sign up with my. link do you want a more traditional. savings account check out where I keep. my emergency fund Sofi where they'll. give you 4.6% on your money and up to. $250 for signing up with my link would. you rather have automated investing sign. up for acorns with my link and you'll. get $20 right now instead of the usual. $5 you'd get from your friend's referral.

you can also sign up for our investing. program and get $100 in cash deposited. into your Mumu account this is the best. way to learn 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. with the money that came in the money. that came in half of that would have. immediately paid for your entire. semester but I don't think I would be. able to live on half of that regardless. no I'm not saying that I'm saying half. of what came in from your payroll would.

have been able to pay for your entire. semester entire semester okay I'm not. saying you would have to live off of. half of it but just for an example half. of what you brought in okay from your. own work would have paid for the entire. semester yes but said we're borring. because we want to spend almost double. what we make because we need to ask. Daddy if for a little bit more money. daddy as in Boyfriend by the way I do. not call him daddy how much do you make. dog sitting I don't know it's just why.

do a job if you don't know how much. you're making because I'm doing cuz I. just started doing it and I what's just. starting um like oh okay well I don't do. it all the time that's the thing so they. just call me and I started last an. hourly rate no they just give me what. they think is you know enough you don't. have like a floor like I won't do it if. it's not this much now I do at this. point I like is this like on Rover no. it's just through a coworker through. co-workers and then they sent me to.

somebody okay yeah and then they sent me. to one of their neighbors and so now I. do that for a. neighbor listen if you want your Hammer. Financial score like she just gave us a. zero out 10 which I do respect that. honestly that's good I'm I'm happy. you're aware of that uh check it out. it's free in the link in the description. below also if you want to be on the show. if you also uh don't know a single thing. about your finances and you need to be. kind of told what's up apply to be the. show Caleb hammer.com apply we're happy.

to look at every application all right. let's start this little debt Journey cuz. we've been chitchatting we've been. chitchatting a little more than I'd like. before we're talking about debt but it. happens. because there's a lot to talk about here. apparently Bank of America cred card. think there was that much that's because. you don't think what you're doing is. wrong so like you wouldn't think I don't. though all right I'll let you. concentrate so on here we owe. $447 37 it's not an insane. bals with a minimum monthly payment of.

$48 okay um there was an extra 35 for. pass do that was an accident what do you. mean it was an accident because they. don't send me notifications to put on. autopay you're taking money from your. boyfriend for little sweet treats why. don't you just damn pay your bills damn. on time that was a mistake a onetime. mistake one time on that card one time. on this card.

incorrect second time this year oh wow. okay hold on a second that's a second. time okay yes I was wrong but that's no. you like lied to me it you tried to make. it sound better I can't remember how can. you not remember this year has only had. [ __ ] uh eight months in it so far that's. a long time eight months yes it is. really out of your 32. years yeah I don't remember what I did. yesterday you were so confident that. you've never missed the payment on this. card and try to make yourself sound.

better and literally within just a few. months you've had other Mis payment. you're like it's just an accident this. only happened once no no but it happened. one other time yeah that's what two. means 1 plus one is two that's how that. works but it's not that bad how is that. not that bad what do you mean do you not. understand finances missing a payment on. a debt that acrs fees that is acre. interest that is at its balance limit. its limit is $500 again you're at $447. okay so with that and you're missing a.

payment twice thinking it was only once. that's not that bad what do you mean. that's not that bad that's like saying. because I injected twice instead of four. times it's not that bad it's still. pretty bad okay that makes sense that. does are you're right. but I still don't think compared. to what no go on please I mean do tell. doesn't not go on your credit though huh. it doesn't go on your credit that youve. missed payments though a late payment. probably not a full Mis payment yes okay.

so it's not that bad you're losing money. money and you are borrowing. money so that is bad you think it's only. better if it impacts your credit no I. just how about you owing more money I. think that is pretty bad I just don't. think it's that bad how is it not that's. all I think that's all I think okay so. if it's not that bad if it's not the. worst of the worst of the worst of the. worst it's okay it's excusable it's okay. to have there it's not the worst thing. in the world if it's not if it's not 911.

guys it's not that bad if it's not. another Holocaust guys it's not that bad. is that how we're using logic in this. world no if it's not an absolute gun. against the head murder whatever is. happening isn't that bad if it's not the. worst thing in the world it's not that. bad who the cares if it's not that bad. it's bad the word is bad in it okay why. would we do anything that is considered. bad why would do anything that's. opposite of good why don't we want to be. okay good doing well what don't we want.

that okay yes I do want to do that okay. that's why I'm here yeah well if you're. going to be here and have the. conversation don't lie about how many. Mis payments you've had late payments. one payment two two no one extra. payment that I oh my God what I okay. you're obviously really upset about the. Mis payment I will not do that again. it's not being upset about the Mis. payment it's being upset that you don't. understand the impct of it being upset. that you don't think it's that bad.

meaning that you're willing to do it. again because if it's really not that. bad then you're going to do it again. because it's not having that impact on. you that's what bothers me is that you. don't give a sh enough about it you. don't think it's that bad meaning that. you're willing to do it again meaning. that if you walk away from this. conversation instead of having a. positive follow-up like we just uploaded. today on our follow-up Channel you know. was very happy someone turned their life. around that's great instead you're going. to walk out this door and you're going. to continue to because you don't think. it's that bad that's what upsets me. that's what upsets me.

okay what do you want me to say to that. yes it's bad and I won't do it again for. sake okay and then on here on the credit. card what are we doing we're just. stopping at HB every second of our life. and swiping swiping swiping swiping. swiping swiping we're a swipe addict. we're swiping every second of her life. it's it's close to my job so wonderful. guess what I'm close to like a million. gas stations I don't go in there and. swipe swipe swipe Swip well compared to. a gas station the prices are better. going to getting little drinks and. snacks they have to be they're $4. purchases uh well I have to have my Red.

Bull so have to have your Red Bull yes I. I cannot go a day without my Red Bull. but it's just the caffeine itself it's. literally just the caffeine itself make. coffee at home make tea at home drink. straight Caff take a caffeine pill your. addiction to it is literally the. caffeine maybe a bit on the sugar end. obviously you like the taste Sue okay. obviously you like the taste but in. reality what you need is the caffeine so. we can find Alternatives you're in the. habit you're in the ritual you don't.

need it you're an adult don't act like a. baby you don't need a bottle you don't. need to be sucking on the nip you have. multiple Alternatives wow what you. disagree oh I just don't want to give. them. up oh great so conversation's done right. there it is that's the end of the. episode right that's it that's a Red. Bull it's a Red Bull you.

absolute what I can't think of a word. that describes what I'm thinking. okay ask my family they can tell you. something probably what's a word that. describes her in this situation you. absolute Glutton I don't know you're. spending double double double double. what you make on this B on this so it's. just a Red Bull no it's not you're. spending almost double what you make. because you you can't stop swiping okay.

well now that you say it like that maybe. I understand a little. better but you just said you're not. willing to give it up well maybe I will. I used to drink coffee drink coffee it's. so cheap okay Bean Juice Bean Juice it's. good I doesn't give you wings but it's. good I'll change to. Starbucks no not that kind of no the. powder the um oh my God you know what. I'm talking about scared me the moment.

you said that my producers Ted to kill. her I'm not talking about that I promise. I promise I promise I can promise you. today I will not do that okay listen if. those are the beans you get they're a. little overpriced for what they are. because they're burnt beans honestly the. HB beans are better well they're good. yeah those are good too uh like the the. the roasted uh pecan ones I think those. ones are very yummy okay that's fine get.

the normal on a Colombian one beautiful. wonderful there you go you just saved. ton of money okay okay let's do that. then um and you don't there's no you. know sometimes at work like for example. here there's free coffee for the people. do you get coffee at work it's like a. coffee machine there uh well they have. the espresso machine there there you go. and that's free right yeah we just saved. ourselves a lot of money yeah my boss. gets it he's really nice well that's. great there you go nice boss mhm have a. nice life by not in your future because.

uh our future our future future future. our future we did that mind you this is. on a card that's maxed out that we're. missing payments on twice this year and. is acre interest $65 this year so far $7. in fees at a 30% interest rate but. that's a. 30% yes um oh my God okay I see where. we're starting yes okay with really no. knowledge of our finances like. legitimately no knowledge 30% is a lot.

it's it's a substantial number yeah I. remember when my first car I had it at. [Music]. 18% that was. 18% I would like to know I want to put. this more into context even just to. demonstrate how bad 30% is uhhuh do you. know on the best average investing in. the overall stock market the best deal. get on a yearly breakdown over a 10year. period if you average it out over the. course of the year well I was planning. this what do you think that money is.

getting at my 401k we'll talk about that. 5% no no no no what do you think it's. returning in the sac market with the. growth oh I don't. know I know nothing about that stuff. that's okay I just want to put this in. demonstration let's say I open up my. investing brokerage Mumu I open up my. app wonderful I buy into the S&P 500 one. the best returning Index Fund okay over. the course of you're you going to write. that down for me though right sure okay. and i b into that over the course of 10. years or actually over the course of its.

lifetime all up years all down years. combined the money that I've invested is. making 10% on average 10% you were. losing three times that on this credit. card three times the best that you could. hope for in the overall stock market. okay that's how bad it is I you yeah. that's really bad you're not a credit. card person you don't know how to make. payments not being a credit card person. is okay okay not being a credit card. person is okay that's not an insult. there's no need to be a credit card.

person it's really meant for the people. that are disciplined and you're not and. that's okay with your finances I'm sure. you are in other places of life that's. fine you know um you need to use a. charge card like the Fizz card one that. forces you to pay off the entire balance. on a monthly basis or else you know you. just can't or a card that essentially. you put the balance on and then you can. pay only what you have on there but you. cannot use a traditional credit card. that gives you this infinite amount of. money that you can just spend and forget. payments on are you talking about a. secured card yes there's a lot of.

Alternatives but you cannot use a. traditional credit card that's what's. most important to me you can't okay you. you I mean you can't do you recognize. this yes you acknowledge this okay. because it's gotten you into a world of. hurt including the second one apple it's. a very big credit card on the show that. a lot of people have you have $744 80 so. on it with a $25 minimum the payment. minim ofy payments are really going to. stack up for someone who's cutting their. hours and a half yes yes previous. balance was the same balance as it oh no.

no the balance went. up what the what okay what did I. do what you did is you made your. afterpay payments on. here yeah that's hysterical your life is. a burning pile of trash comedy do you. understand what this means okay do you. do you understand what this means I. would like you to explain kind of what's. Happening in here I'm not paying it. right away and I can pay it.

later so this is how I look at this this. is the way you're doing it okay you want. to go make a purchase yeah and like I'm. not going to pay for it all right now so. I'm going to put it on afterpay yeah so. that I make multiple payments on it yeah. but instead of you paying off your. afterpay you then further put it on a. credit card meaning you're delaying the. payment twice right you're after paying. your.

afterpay well what's wrong with that. meaning you're never making your. payments you're only stacking up what. you owe at any given time then I end up. making payments to my credit card okay. and we know how that goes with just. literally one car to go so what the are. you talking. about okay okay what do you mean okay if. you're not willing to you didn't think. about it after literally 2 minutes ago. we were just talking about you're. supposed to explain it to me so that's. why I just did I know so now I know okay.

okay okay if you are not able to pay for. an item don't buy it let's start there. and two if you do afterpay which please. don't because you just can't manage that. don't pay by going into debt more okay. don't afterpay your afterpay and don't. afterpay your afterpay your afterpay. which I have a feeling we have you ever. done a balance transfer or. consolidation no oh thank. cuz if you did that that would be. afterpay and your afterpay and your.

afterpay I don't even know how to do. that good and please don't just I'm. sorry just that would scare me if you. knew what those were cuz I don't want. you to even like recognize that those. exist okay just forget I even mention. those products all right I really don't. remember what you just said good good. and don't Google ways to get out of debt. because some places will recommend. things like that but you're not. disciplined enough to do them so it is a. good way but not for those. yeah you don't know how to not spend.

money so okay or manage a budget not yet. we'll get you there mhm but you're not. there yet the what's what interest rate. do you think this one's at I don't know. what do you think 20. 2724 why are they all that high cuz. they're a credit card and rates are at. they do have to be that high they want. to make money and there's also a lot of. risk involved in giving someone like you. access to money well that makes more. sense now yeah one it it takes on risk. from the bank if I'm looking at the bank.

perspective but two also they're uh just. money grubbers like they just they want. it and they know they can take advantage. of people like you I'm not saying it's a. good thing but they know they can so. they do and interest rates are also high. at the moment so interest rates when I. started the show on credit cards you. know they're sitting close to around 20%. now they're around 30% because interest. rates have gone up because of the to. combat inflation yeah my dad told me. that you didn't know that outside of. them I didn't know I thought was on the. houses because that's all we talked.

about okay we didn't really talk about. credit cards you and your dad are. talking about houses well we have a. house. together me my dad my mom and my. boyfriend they got it for. me what does that even mean cuz what. does that even mean they got house. explain this every time I explain this. they're saying that it's not my house. but it is my house once they pass and I. know that how old are they hold on I. don't even care how it sounds I just.

want to know how old they I'm only. thinking from the financial situation. morals right now. 53 okay right so I don't know I'm asking. her oh you looked at her sorry my eyes. were closed j i I forgot she's over. there it's a conversation between me and. you well you shouldn't forget about your. fan well it's a conversation between me. and you okay I'm sorry so what's wrong. with that whenever because they're going. to put it in a I need to know the. structure of this a little bit more so. what do you mean they B so the are you. on the mortgage no okay good that's I.

couldn't get a house that's why they did. yeah. no that's obvious nor would I want you. to get one okay cuz you yourself there. you'd be house poor well I saw how much. it was just for them to get it I mean. that's just ridiculous why would they do. this because. um they knew that I always wanted a. house and that they gave me that as a. present I guess I'm going to be candid.

and it's kind of like our titles I mean. but I'll be candid this isn't me. disliking you and I'm sure many parts of. your life are good but when it comes to. your finances with your boyfriend with. your parent with your spending with your. management you're a spoiled brat you. think so you are a spoiled brat how you. just your parents literally got a. mortgage because you've always wanted a. house everyone's always wanted a house. your boyfriend gives you money for you. to spend on sweet treats and you spend. double what you make okay yes you have. to have your Red Bull. so you're willing to go into debt for. that and have someone else buy your.

house and give you money spoiled brat. not as an insult I just want to call it. as a it we can fix that if you actually. want to but your actions right now are. the actions of a spoiled brat and I'm. not going to just coddle fine do you. agree or disagree well I think that my. boyfriend should still send me money I. don't think that why is why do you want. it to be like a sugar baby sugar daddy. situation I just want him to take care. of me that's all he's well it's not even. taking care of you it's literally you. going and spending more money well he.

can send me money every now and then to. do nails which I didn't get to do okay. and I listen I again I love giving gifts. I do and if anyone ever wants any of. this. uh you're trying to be a sugar daddy yes. no not really no I love giving gifts but. I give gifts out of just you know love. for friends love for family love for you. know if I'm dating someone but if. someone was coming up to me the person I. was dating like give me.

money don't say it like that you make me. sound bad okay it's just it's it's it's. also enabling you as well there is that. that I I can see yes which is not. helping you or your future right and. your parents potentially enabled you so. you're not on the are you on the. deed we don't have it but they put it in. a trust there's a de no they're going to. and I don't know any of this why haven't. they set up the trust yet why tomorrow. exactly and that's what I told them I. said y'all need to do that because.

somebody had told them to do it since it. wouldn't I wouldn't have to pay taxes or. something I don't really know the whole. thing the whole gist of it well my fear. is well you're not on. okay what my fear. was is that you were also on the. mortgage and what would H if they like. died today you would be in a situation. that would be so listen again I think. this kind of goes in the way of like you.

know little bit of spoiled which it's. okay to be spoiled by the way it's more. the demeanor in your actions around it. that matter more people can be like. spoiled as kids and turn out to be. really good people but if you think. you're like you're entitled to things. and you go which you demonstrate through. your spending and through your behavior. with boyfriend um that's where that kind. of throws me off and wow this episode's. wild. why this is just a wild conversation. just I'm just realizing now it's is. hitting me it's this this is just this.

is intense um I mean it we're 40 minutes. in and I've talked about two damn. documents. um we're going to be here for a second. and I'm conducting job interviews in an. hour so we got to oh really good for you. thank you I appreciate. it you might need to do some of those. soon to get more money. probably our budgeting program which is. provably the best that can be taken. anywhere online is now bundled with our. investing program where you can get $100.

in cash gifted into your Mumu account. this is literally the best education you. can take in your life right now to turn. around your financial life or take where. you are and make your life even better. these are bundled together for a limited. time for 15% off check them out links in. the description below all right we have. a Quicksilver card Quicksilver oh that's. capital okay I don't know what they're. called I'm that if you say Capital One. then I'm like like okay but I don't know. what a quicksilver is all right sorry I.

don't know what the context of that was. nothing well you looked at me like I was. stupid no I was just waiting for you to. say what you were trying to say oh okay. I don't think you're stupid thank you. listen I'm sure in many aspects of life. again that you're probably great you're. probably great at your job you're. probably great in the pharmacy world. you're a dumb. finances I'm pretty okay at finances but. I'm I would be a dumb in the world of. Pharmacy it's okay to not know things. about things but then you just listen to. the people that you know have success in. certain areas that's okay I'm a dumb a.

lot of things sit me down in geometry. class and I'm like I don't know what's. going on you know I just like I I grow. like 10 more chromosones like it's just. you know it's just a wild situation um. yeah okay well I appreciate that. $1,494 with a $51 minimum te. payment you have to be yes you are to. the credit limit right there you're at. the you're basically at the credit limit. again of them are really yes all of my.

cards and $37 of Interest isin what do. you think the interest rate on this card. is I guess another 30% yeah we'll play. that game one more time because now. you're catching on. 3.49% interest thank you thank you thank. you for not spending on this card I. don't spend on that card what I'm. confused well that's telling me that you. did no since the statement probably. since you also told us that you've been. spending more than these statements.

reflect which is crazy because you spend. double it you make so well I don't have. any money to spend so maybe that's why. can you pull up your app for. me right now okay all right a little. sneaky little sneaky thing is it the. same uh uh pretty darn close oh your. credit scores is in the 500s yes. ho. hoyi all right all right we're not.

looking at flights we're not looking she. has no money we're not looking at. flights there you I'm going to canun so. in April. Lady it's for a friend you're like. legitimately just like sucking. everything out of me right now it it's. for a friend's uh wedding. congratulations to them I don't give a. [ __ ] we're going to get it who do they. think they are having a destination. wedding and feeling entitled to have. everyone have to go there no she doesn't.

have we don't have to oh she said that's. great oh that's wonderful that we're not. going anymore have a what oh that's so. exciting guys that's so good huh we. already like took off and everything. ring ring hi bestie I'm borderline going. to live under a bridge in like two. seconds um I'm not going to come to. Cancun okay ring ring hi coworker I'm. especially because you went and you did. s this statement just a few days ago.

went got a red bulll to gas station. interest charge say so yes you are still. spending on it this is ridiculous you. you have a little bit you have a little. bit of room to spend on here and you're. just like we better go swipe I got to. swipe well I'm not going to live if I. can't swipe I got to swipe I'm a swiper. I didn't have that much in my bank so I. had to use this to get a Red. Bull yeah because that's a necessity to. live what are we talking about what are. we doing okay talking about if you were. making your rent or like a pet emergency.

cuz they ate something that was just. like making them choke like I get it. that's different you're getting a Red. Bull she gets red bulls all the time. when she and can you can you afford them. and she can afford them great guess what. I eat out a lot I'm a fat I can afford. it it's in my budget I have a six-month. emergency fund I'm contributing minimum. 20% to retirement I can afford it you. have maxed out credit cards you're. spending double you make you do not you. B I don't even know if you you your. retirement is basically nothing for your. age you have no fully funded emergency.

fund no you cannot afford it okay fine. you can be an. adult what is this Toyota so this is a. car yes what is this I have two it's a. Corolla yes two yeah cuz I got one for. my. boyfriend he needed a car needed a car. he could have got his own car he's your. boyfriend not your husband his credit is. bad so is yours yeah well it obviously. it wasn't that bad whenever I got it.

what do you think you know you're seeing. because there's no interest rate up. front that this is good you know with. this lease they're baking in fees. they're baking in whatever they want in. order to make any kind of money on this. and they are baking it into your thing. and then they're extending it out with. these minim monthly payments to make it. feel like it's somewhat appetizing and. then at the end you still owe and when. did you get this when did you get this. when did you get this that one yeah when. did you get this the Corolla in February. great so used car market prices were. higher so really in reality your buyout.

at the end because they bake that in at. the beginning what the car is going to. be worth if you put a certain amount of. miles on it if you were to buy out which. it sounds like you're not going to. anyway but if you were to buy out guess. what it would be more expensive then the. car would likely be worth at that point. anyway because year-over-year used car. prices have gone down. 10% but again that's plummy down and. you're buying on the way down not buying. leasing so who knows what value and what. was baked in with this but all I know is. you spend $544 of money you don't.

have no that's not my payment that's my. boyfriend's payment your boyfriend's. payment does he pay it yes he does I. drive that car he pays for it okay and. then I what are you guys he uses the. truck which is the original one that I. got he uses the truck and pay and I pay. for that one so we just switched you. just want keep leing and Leasing and. Leasing and Leasing and never own an. asset in your life no this is the first. time I've leased thank you very much.

you're welcome but you said you were. going to get a lease again no I didn't. so you're going to buy a car through yes. okay and that's why they're saying with. a 500 something credit score and no. money it's going to be better in six. months how because I'm going to make it. better oh yeah that's a great exercise. what that's not how the things work you. have max out credit cards and we just. pulled up your statement just a couple. days ago you just brought the balance. back up even though it started to make a. little bit progress via your minimum. three payments cuz you're like I need. some web.

BS I don't sell like that but that. doesn't get our credit score. up okay wanting wanting something in six. months is not a path to success okay. it's the actions and the actions you're. doing. are that's the thing they will help me. out get a Toyota cuz I've given them. listen cuz I've given them people toy. cars there as well my my mom my dad my.

brother everybody's gone there I mean. they don't have those cars anymore they. got you know my mom got a Mercedes and. they will help you they will help you. complete their. sale which will get you a car but at a. pretty good price how would you even. know my if my payments are lower I'm. happy I heard you have a spray bottle. you should use that on you right now you. care about the least important thing.

okay it's not the payment why because. the way they make your payment look. better is by stretching it out to like. an eight-year loan what you need to I'm. not doing an 8-year loan you don't no. you would do whatever it takes to get. the payment in your area yes you would I. know that again this is not talking uh. bad about you this is I know people like. you I talk to people my car my car is. different I to people like you every. single day I know what you will do to. get this payment when you're in the room.

cuz that's what they will pit you fine. what's the longest you would do what's. the longest you would do the longest. I've ever done ever done I don't care. what you've ever done car prices regular. now right now five okay well that's. still you shouldn't do more than three I. can't make that kind of payment oh good. that means you can't afford it so then I. get a cheaper car there you go $10,000. cap it buy it in cash by saving up being. an adult are you kidding me I'm not. getting a used car oh my gosh okay whoa.

I am it is rare that I do not talk to. someone from the audience since your. cousin is in the audience this is really. rare the amount of delusion in this. world and entitlement you have remember. when I called you a spoiled brat I'm not. GNA I'm not going to get a used car. you're aing spoiled brat new cars break. used cars break cars break we get an. educated purchase we take it to a. mechanic that we trust.

[Music]. mhm oh. my what the is there to do here like. with that mindset there's like there's. no hope there's no hope what what you're. not willing to get something that's on a. used car what's a median new car how am. I supposed to know that it's a good car. how are you supposed to know a new car. is good you can get new cars because I. send it over to you know Toyota and they.

do whatever they need to do with it it's. free congratulations congratulations do. that with the youth car but then I have. to pay out of pocket for it dude if you. literally can save if you get $10,000. car versus a $35,000 new car $40,000 new. car you're probably going to get like a. $50,000 new car cuz you need to have all. the bells and whistles oh I know people. like you listen what you just said. you're a spoiled brat yes you will that. no you can't afford what you'd get. anyway so regardless if you can save. $25,000 $115,000 by paying $500 to get a.

car checked out I think what what's a. bigger number $1,000 or 500 okay I know. what the answer is 15,000 what pay the. 500 what what maybe I didn't listen I'm. sorry I zoned out for a. second sorry if. you can save $115,000 by getting your. $10,000 car check checked out for. $500 what's a bigger number.

$155,000 or $500 oh okay now I see what. you're saying the 5 so why the would you. not do. it um because I don't have that like in. the moment we're talking six months from. now I think we can prepare $500 in six. months you think you can what you think. I can save 10,000 in 6. months even if we leverage it you can do. three years is 20% down no more than. what is the money guy 18% of your.

income we could do that well with your. hours cut the income part is going to be. hard again the thing you care about with. car payments is the last thing to care. about okay fine listen the minimum. monthly payment is important but what. that's all you're looking at and taking. out of context that is not the most. important thing the interest rate the. term length the value of the car versus. the real value of the car cuz you're. likely going to going to sell you a car. that's you know more expensive than it's. actually worth they will congratulations.

it's their job okay you're not some. special extra Angel customer that gets. nothing that no other customer has ever. gotten in the history of the world. you're not that unique I'm sorry to tell. you none of us are well I will say on on. the leases I didn't really pay attention. to um eight 8% on minimum payment I. think I said 18 sorry oh the uh for the. rule 33. uh 20. 238 20% down threeyear. length of the car loan at 8% of your.

gross income Max you're going to wrate. this down right yes okay CU I don't. remember either way the minimum healthy. payment matters yes once we calculate. the interest if you're making sure. you're getting a good deal on the car. and the term length is reasonable then. the minimum monthly payment matters all. when people like you only look at the. minimum monly payment they will get. whatever term they need to extend to in. order to make the minimum wey payment. regardless of the interest rate or the. value of the car fit within their budget. and make it feel affordable so it's a.

dangerous perspective the way you're. looking at. cars I need to be real the way you're. doing this right now is you literally. retiring with unable to pay your rent. and then you're going to take over a. mortgage that you can't afford because. they probably have a 30e fix rate. mortgage and hopefully they live that. entire years 30 years and maybe they pay. it off but if they don't and uh it's in. a trust where it goes to you you're. still going to have to pay it yeah and. in no context here are you able to pay.

for anything at. all whatever for sake listen how much. longer is left on this um on the. Corolla I don't. know I think it's three no I think it. was three years from. February I don't know does it say on. there I think it says it on there 29. months remaining. great so we're basically baked in and.

just on that one buying it out when it. Mak sense. and okay so the Tacoma mhm it's the old. one yes okay now he pays the least you. said so he gives you that money yes so. he gives you the 544 right so that's not. mine well no you know what happens he. leaves you or you leave him or he dies. or he loses a job and then you have to. pay for it okay let me just explain. something to you I had an ex-boyfriend.

and I did the same thing for him and he. paid it off okay sounds like maybe he. had a little bit of Integrity what if. this guy you guys have a messy breakup. again what if he dies he would never do. that he would never die okay I didn't. say he would never die oh my. God he would never not pay it yes is and. is what you say listen listen that the. world is not roses and flower Fields. this is not what it is is you say that. you guys have a loving relationship. right now you the world is unpredictable.

you had a good experience with an X and. I am very happy for that and also I. can't believe that this is the second. time that's happened you cannot be you. cannot allow yourself to get into this. risk you do not understand the risk of. this you do not understand the risk and. so many people have gotten in situations. where they take loans out with their. family members for exes for things like. that and then they get in a position. because the other person doesn't pay it. for whatever reason yeah and listen if. he doesn't have any money cuz he loses a. job he doesn't have any money to give. you regardless if wants to okay so like. this you don't understand the risk. behind this it's is dumb it's dumb as.

okay no I really understand you like I. said when you explain it to me that way. then I I get why you're so angry it's. not angry I'm scared for you terrified. for you just cuz he just don't realizes. how bad this is and I'm it's it's it's. is. crazy and just the situation you're in I. know where it ends up we've had people. on the show in their uh 60s and see. where this ends up multiple rounds of.

bankruptcy and nothing to their name. mhm okay so the Tacoma this has a loan. on it not a lease it's a. lease what so that's bad did she not. just tell me that the other one was her. first lease no no okay I feel like you. don't listen very well pet emergencies. can hit hard and fast one minute they're. fine and the next you could be facing a.

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leased on well I don't know I mean. that's we had that statement in front of. me so I don't know who knows this is a. messy conversation regardless okay well. that was my first original lease seven. months left what happens at the end. we're going to get a new one with our. wonderful 500 credit scores it's going. to be higher hope is not. a path to success but I'm willing to to. work. hard look I gave up the Red Bull no you.

didn't yes I told you I said I promise I. will have coffee oh so you saying that. is you giving it up yes okay so no. actual actions just you saying you'll. give it up for I mean we just talked. about this right now come on H we just. talked today about me not having Red. Bulls I haven't given you the chance to. well I know you said I gave it up that. would indicate to me oh my God you had. given it up well okay you're saying you. gave it up now just now okay yes well.

let me give you a little bit of context. walk you through this we have again we. have a followup Channel I mentioned that. we do follow-ups with people a lot of. people have told me a lot of out of the. four to five we recorded these a week. and release three mhm I've been told a. lot of things that people are going to. do MH that means nothing to me okay. doesn't do it prove me wrong cuz that. means that you would live be living a. better life. please do please do. um uh cuz that would mean you'd be.

living a better life and I would much. rather of course I I want to be wrong on. that but just based on so many. experiences in the show it's just like. okay you might do that for a month then. you're a lot of people they just fall. into their old ways because the they. don't have the discipline required. they're not able to see that end goal. the light through the tunnel they're. just not able to they just get stuck in. it okay 7 months remaining on this yep. then we're in whatever situation. Credit. One uh Credit One is an indication of.

you essentially being like the worst. finances possible cuz the only people. who take these out are the ones that get. them in the mail and you just allow. yourself to take it out and you have. multiple credit ones it's as bad as it. gets there's all these fees on a monthly. basis what you tell me what I don't want. to say it what what is it nothing what. am I reacting to. what am I reacting to I haven't been. making. payments what are.

you it wasn't just the first. card okay but this just started 3 months. ago because I three months no payments. couldn't afford it are you kidding me. right now that's going to piss me off. that is going to piss me off that again. spoiled brat you spent $500 going out to. eat you spent. $135 getting Bulls okay unknown shopping. like usually Amazon.

$146 couldn't afford it you chose not to. afford it okay you put your that you. wanted over it and then you took money. from your boyfriend and had your parents. get a house for you you couldn't afford. it you couldn't afford it that's bull. you chose not to and that that actually. makes me angry this is what angry looks. like cuz that's that's you being a. spoiled little brat who's not to. sacrifice anything not able to afford. this is money you borrow that you owe.

and listen if you're against credit. cards and you're just morally like okay. I shouldn't have to pay it that's a. different conversation you not being. able to afford it absolutely not you. chose to go eat out and just be a. spoiled brat instead of making the. payments that you owed so don't ever say. that again don't ever try to be I. couldn't afford a victim you're not a. victim you're a victim of your own lack. of discipline fine. fine I don't know what you want me to. say hey maybe accept a little bit of. responsibility and acknowledge that you.

could pay this if you chose to. okay is that you acknowledging that you. could have paid this if you chose to. hahaa haha this is great hahhaa yes. lovely our life is ruined that's amazing. my life is ruined now that you're. telling me all this do you do you accept. that okay yeah oh. my I I look those resources will be. great for me the ones we give you yes.

right yes but their. education it's still the actions you put. into it afterwards that. matter I'm determined I really am no no. look like I'm determined to go to school. like I'm determined to you know become a. pharmacy tech I didn't think I was going. to do it but I was determined to do it. and I did it that's one thing that you. cannot take from me why would I you did. it okay so I have no objective to take. things I'm telling you I'm.

determined to get this when have you. become determined to figure this out. well today cuz you're yelling at me so. this is what's made the difference you. didn't realize this yesterday I did but. okay then why haven't you done anything. to change this before because I just. ended up just not caring and what is. different. now um you kind of scared me okay so. yeah because I need to have money to. yeah retire oh yeah like nobody's going.

to be there to help me then so mommy and. daddy W be here forever I want to take. care of them eventually but with this I. can't cuz they're getting older I'm not. saying they're old now but you know. eventually and with medical issues you. never know what can happen so I need to. give them. back what they've given me they're great. parents um they sound like great people.

but they might be enabling you. okay but it sounds like they have a. great heart oh my the balance is. $1,524 this is about to go into. collections and you think that your. credit score is going to increase I. don't know what the you're on about okay. and the credit limit of the of the. $1,521 balance the credit limit is 1,150. the normal minimum Mony payment is like.

116 but you owe. $439 because you don't know how to be. responsible and make payments and cut. back on anything wonderful great late. fees Annual fees interests all the good. stuff all the classics all right let's. go on let's go on to the next Credit One. credit one number. two come on down to.

$1,348 and oh my the the credit limit on. this is. $950 wonderful $15 minim Mony payment. but guess what what we owe is $434. because again we don't know how to cut. back on our spending money we don't have. wonderful Credit. One oh Credit One number three. yeah they told me you would get on my. ass this who they that one and other.

well bring your uh cousin into the cuz. you you threw some things her way and. saying she does this and uh she knows. the show we'll bring her into the post. show you can be on camera or off camera. it's up to you but we'll we'll give you. a mic to talk and you can explain how. you see the situation how your family. sees the situation and defend the things. that Miss Sanda has thrown towards you. so we owe 2,000 $22 on this. 74 with a. credit limit of 1,550 what are we doing.

so to be clear I mean you're you're not. any kind of car loan you get with this. is going to be like a 25% 30% loan at. eight years because you these are going. to go into collections and your credit. score is only going to go down uh you. owe. 477. Stocker but the normal minimum payment. looks like about 110. fees. interest.

classic and it. continues hour and S minutes into this. my bladder is still. full I'm sorry UFCU credit card $. 42359 with interest charge $512 in fees. oh my this fee is a late thing Len $10. minimum the payment and the fee is. $10.91 all right what was the. fee what was the fee wait what was the. fee how much was it.

$10.91 $10 available credit of. $76 what was the fee ma'am something. tells me it's a late. payment so there was one late payment um. and knowing you that one means there was. two. um I mean maybe yeah but the reason. again is because of the notifications I. went to them though and I asked them you.

know how can I resolve this and they. said that there was nothing about the. notifications that they are able to do. so I set up a notification on my phone I. don't know how to do that on there. that's a okay well I okay or maybe like. just ask them or download the app well I. have the app then autopay should be. there go to the website it's it's always. it's there are you sure the usfc one has. every why do they not have notifications.

credit one has stupid. notifications notifications of what that. a payment is due yes I they probably do. it's probably in their system. somewhere just turn on the M it's $10 I. know course careers I love you guys you. guys need to just come out with a course. a certification of how to not be a dumb. on credit cards because I want to gift. that to you okay but you don't need any. other certification cuz you're going to. be going to school and getting a great.

career a little nervous of how you're. going to be paying for oh my. um what's it called loans how I'm going. to be paying that how you going to do. anything honestly well I paid oh it was. a late fee there it is there was a. second page no we knew it okay. wait it wasn't even a joke you've had. two this year. you're you're a. meme you're a debt.

meme which sucks because that's actually. bad for you sorry it's like don't be. sorry to me this is your life no no. offense I'm going to walk away from here. and I going to give you the resources. we're going to ask any answer any. questions you ever give us and I'm going. to you know hope you do well and. hopefully talk to you again but I'm. going to walk away to a life that has. been. budgeted you leave here and you you have. to take care of this mess you got. yourself into this don't be sorry to me. this isn't about me give the about me.

this is your life and you canot you. canot for a single second allow for. someone else to have more of a care of. an impact of a financial situation of. your life than yourself you're. right we already have $5,000 in student. loans yeah oh an an additional 3,000 is. there more. 10 for what you're undergrad no I I uh. tried to go to school and I ended up not. finishing but I had um told your people.

about that that I had already had a. $10,000 loan that I was paying. on great yeah wonderful happy for the. people you talked to it was during covid. and it got super busy in Pharmacy so I. wasn't able to really dedicate um. full-time hours to school I see $9,000. oh okay I'm sorry yes 9,000 you making. payments yes there's.

69 okay so. you are on like income based yes payment. okay yeah it's a low uh they're going to. get deferred once you get started once. you start school of course again they'll. be on. pause I can't even like think about. these student loans right now with just. the rest of your thing and then uh what. is is this could be sent to a. collections Agency for from Charter oh.

that's. medical that was a Charter. Communications I think somebody else. took over probably for the loan or the. of communications is not MediCal no is. it wait oh wait wait wait well let me. see like isn't that the person that. takes over one second like when they pay. out one second well yes so what got me. confused is because it said that this. was the original creditor which wouldn't.

have made sense which made me think of. Charter so this was medical debt that. went into collections then yes yeah I. believe that was one I would say that's. the original creditor it's obviously not. um. yeah had gone to the hospital that's why. why did you not pay it I couldn't tell. you I was young and young I was in my. 20s early 20 I probably was 20 okay and. I at this would not be on your. collections anymore at that point it. would not be on your credit I think what.

happened was cuz I heard that if you. call or you reactivated them and I think. that's what happened cuz I was trying to. call or talk to them I don't know I. can't remember this has been four years. so it still takes multiple years to fall. off this one five years five months. what's 1,200 what did you move lose here. well that one's also for medical well. did you have a lot going on or something. um I had gotten diagnosed with diabetes. and so I was in ICU which one one or two.

two okay have you made progress oh yeah. good proud of you for that very good. keep that. up and then 1,124 that's been open only. one year what's this consumer oh. emergency medical so this was more. medical oh yeah do you not pay any. medical bill I don't why um I just kind. of put put it to the side well it is. still hurting your credit now it's not. crewing like any interest or anything.

but this is again like you are someone. that from our conversation wants to take. advantage of credit scores to get a car. loan that's what this. matters. okay oh is that it is that all the debt. well I can't think right now you just. try put a lot on me right. now can I look at my phone real quick. yes okay okay so Apple Credit 1 UFCU. Capital.

One Bank of. America credit card you did person I'm. interviewing for the job opening I. apologize that I'm sending you an email. saying that I need 15 minutes. back if you're seeing this you probably. are. um I think that's that's it $532 in our. checking account $116 is what started oh. my Apple Bill Red Bull Red Bull Red Bull. Red Bill Apple. Bill meta payout $300 Red Bull Red Bull.

Red Bull Red Bull Apple bill after pay. Great Red Bull ancestry.com that's. really important to pay for and we. literally can't pay our bills Red Bull. Red Bull Red Bull Red Bull Red Bull. metap pay out $25 who knows where the. that went Red Bull more ancestry great. wonderful Chick-fil-A Red Bull Red Bull. Red Bull Red Bull Red Bull Red Bull. least it's the zero calorie for your. diabetes and zero sugar uh metae $61 Red. Bull Red Bull I just like I no offense.

I'm just I'm I'm kind of I'm kind of. done but Red Bull Red Bull Amazon. Netflix Red Bull Red Bull Red Bull I to. pay out 10 bucks Amazon Red Bull Red. Bull Red Bull Red. Bull afterpay Red Bull McDonald's Red. Bull Red Bull Red Bull Red Bull Great. Red Bull Red Bull Red Bull Dutch Bros. Dutch Bros Dutch Bros looks like we. decided to be a coffee person that day. get coffee Great Red Bull Mexican. restaurant der Queen Chang it up then.

we're back Red Bull HBO Max is one of. the better subscription Services they. actually have good things on there. unlike most but also you can afford life. got Red Bull Red Bull cool uh maybe. don't be a financial vampire that. doesn't even make sense Red Bull Red. Bull met to pay out $300 oh you pay for. credit Cara great St Finance wait hold. on Credit Karma I don't pay for that I. put put that in savings oh they have a. savings I did not know that Snap Finance. what's that uh um that's a like kind of.

like afterpay or firm stop yourself more. Snap Finance more snap but I Red Bull. done with okay $15 in cash app send out. cash app Tik Tok shop on this you. kidding me come on from your venmo Tik. Tok shop you really need whatever you. got come on eight bucks in this checking. account one in the savings. account nothing's happening here there a. monthly maintenance fee because you.

don't have enough money in there so just. losing money. great Robin Hood $7 thrilling. 401K what uh $55,000 so dramatically. behind for your age that's where I'd. want you to be in like early mid 20s so. where am IED to be uh you where would I. want to at least see you if I'm guessing. I mean a lot of it depends on income but. I'd want to see. you at least closer to like 10 times.

that what if you max out your Roth IRA. every year from your early 20s that. wouldn't be hard taking compound growth. I mean I just did not know that not bch. and everyone buys you everything anyway. so it's not like you really have any. concerns in your. life okay okay I I I'm sorry I'm sorry. that I've just kind of give it up it's. just you you can there's only so much. emotional energy you can give into a. situation for someone that tell me about.

it doesn't really care I'm tired at this. point okay well unfortunately you really. don't have that. option just let you know so we're going. to be making all the minimum three. payments because we need to improve our. credit to get this car loan and this car. loan is probably going to anyway because. you're going to do it in a bad way but. whatever uh you can also email us as. you're going through that process and we. can at least help but that's if you. actually decide to do that that your. cousin will keep us updated.

though minimum monthly payments on our. debts wonderful. $1,576 55 how much do you give your. parents for rent 1,400 okay does your. boyfriend cover any of that yes how much. do you. give um for mortgage. 300 utilities your. portion um wait that's where the 400. ises I'm sorry 400 what because it's. 1,400 I say for mortgage and utilities.

how much do you give for mortgage and. utilities. um yeah so 700. total. internet that's including okay gas vroom. vom drive drive how much in a month. 60 I doubt it what I have a. Corolla I don't know I know it just it's. just your lack of knowing okay 60 sure. okay put 70 car.

insurance um. 215 TP fund anything else you need to. survive 100 bucks groceries you're going. to contribute 250 to the household he. can contribute the rest that's what. you're contributing you're only getting. groceries you're doing meal prepping. follow the meal prep that we have in our. budgeting program address it to your. needs copays do you have anything. medical on a monthly. basis um no I get it for free okay okay. through my job subscriptions and do you. have a. pet uh I don't pay for anything okay.

that's my parents pet pretty much great. I don't even know what your income's. about to be and then you're going to. school anyway so it's just like um okay. Holly knows you need. $2,915 to live on a minimum basis. obviously you're making that now but. you're cutting your hours in half you're. going to bring bring it in like what Max. $2,000 so. student loans are going to be. subsidizing this then you're going to. get a car loan somehow with saving money.

for down payment somehow. so oh I don't do down payments of course. you. don't I'm. sorry I'm sorry I this exhausted you. must be super exhausted from this like I. believe you this is the first time that. I can remember it's probably happened. again we just refilm so much but first. time that I remember is just like I. don't even want to like give a thing. like what I think is just like it's just. kind of done it's just kind of. done you already have your plan set and.

you're even considering cutting your. hours even further if it's too much so. it's just like I I don't I have no hope. I have a feeling this is just going to. end in bankruptsy and well I'll prove. you wrong please do but I mean what's. your plan here you're already 900 hours. in the hole no my plan is. to definitely I because look like you're. saying I can't even I feel like. definitely I can't live off of the. shorter hours right um that's why I'm.

saying I'm going to do them for now no. the shorter hour so you're still under. $900 okay go on and then next month. hopefully if I can't you know I can't be. 40 hours but hopefully I can. be more and do Uber. more that's what I plan on doing Uber. I'm sorry guys I know that when you guys. are just out there you know it looks.

like it's like oh how could they do this. how could they how could how couldn't. they talk about this how couldn't they. do the budg and stuff like that I get. that I get that it's here you're sitting. down having a genuine. conversation with real emotions with. real actual going on and I I don't think. I can go further than this in this. conversation I think this is I think. I've hit my Peak I do apologize for that. I apologize to you guys but I think I. think that's it your Hammer finan is EAS. 0 out 10 we're going to do the post show. but I'm going to bring in my producers. to mostly do the talking usually they. know more drama cuz you talked to them.

before and other things you know I like. to kind of. uh whatever so we'll continue the. conversations bringing in the producers. in the post show you guys can join the. uh Channel membership there and get. access to that and a lot of other shows. that we do there and make sure you guys. check out all the resources like the. budgeting class and investing class. which are bundled at a lower price so. yeah uh okay. today on the financial audit post show. does he know about all the debt he.

doesn't know about the online gambling. how would you spending online gambling I. just started doing it again okay in what. world can you do on gambling what are. you gambling what are you gambling what. is this gambling what does it look like. what is it what's the thing it's like. slot machine. online I didn't think this conversation. could get more insane well hey hopefully. you get more viewers to watch the. financial audit post show click the join. button below.