Valley-Girl Feels Oppressed Because She’s White | Financial Audit

you've not applied to different things. no scholarships grants student loans I'm. not really a good person for scholarship. why because I am a white woman shut up. white students receive 70% of. scholarship really wow full a full. tuition scholarships yeah but you're. white so you can't get scholarships you. said hi I'm Maya I'm 24 years old I'm. from Vista California and this is. financial. audit thanks for taking the road trip. one am leaving that's crazy driving.

through the night in the desert but what. do you I felt crazy during it yeah um. well your finances are crazy so it's. crazy reflecting crazy guess it makes. sense Y what do you do for a living. there I am a certified nursing assistant. okay yes and what are we making in that. position um right now about $20 an hour. dang now this is right outside of San. Diego right yeah how is $20 an hour. stretch in there um not well I would say.

it probably would do me better but my. hours are kind of dog was you. getting uh right now I upped it to 7. days a week how many hours are you. getting. four huh four a day oh a day okay why is. this so little um at least what I'm. working with right now is an agency and. so the client that I'm working with only. has like a certain hour frame you apply.

at a hospital then I did oh so and I did. get accepted you got the job but it. won't happen for a bit what what's a bit. like a month you don't have that to. tattoo because of me do you no but I. thought you'd say that don't worry don't. get too conceeded well come on uh okay. and how much are you going to make in. this job I will make 23 an hour how many. hours a week 36 okay well how's living.

in the area going to be on that well. right now I kind of live with my parents. kind of live with your parents and you. live with your parents okay well that. takes a big chunk of your needs out of. the gate that makes me then Wonder cuz. usually if living expenses are too high. sometimes we go into debt to. survive but we have the debt. anyway honestly that leads me to your. hobbies I I never get like a Hobbies. point I have notes Here and I never have.

like Hobbies I don't go look through the. Hobbies but what do the Hobbies read. likes to eat out door Das Uber Eats. dating likes to buy people meals buying. people. gifts tattoos. vaping probably not the best Hobbies. across the board it's not bad but the. buying people meals thing with our. finances so we have debt but those are. our hoobies okay I a thing about that is.

I don't like when other people pay for. me so I kind of always insist on paying. for everyone. else it kind of feels that it's like. something that can be held against me. like you know okay well I paid for this. so now you like have to have with me or. now off I know and I have a hard time. with that so instead I just insist on. paying and then that takes out of.

equation but then I would say you paid. for me now I feel like less of a man I. deserve to be slept. with how about. that I never thought about that so well. I hope no one actually says that but. okay so what is going on why are we in. all this. death because again you're living at. home one are your big needs. it's take care of well some of it isn't. exactly from me um some of it like my.

dad has opened three credit cards in my. name and in your name in my name over. the course of how like since I was 18. since I could get a credit card so over. the last six years he's opened three. cards in your name yeah what is he doing. with this door Dash he's just doing door. Dash yeah that's one of your hobbies. yeah it runs in the family so you're. both doing it okay so he cut back though. I've cut back a lot yeah that's what. everyone says before they come on.

so but he huh nothing I said I. swear but he took what so that's what. he's spending the money on what was was. there an intent was there conversations. around it or did he do it behind your. back okay so one of them was done. completely behind my back and that was a. card that he exclusively used on his. own two of them were done with kind of. he did it and then he told me but but um.

I'm kind of the one that uses those I. think though the one of them it was. because one of our cars were going to. get repoed so he needed to take out a. card in order to pay off the fines and. then also there's um the loan um the. green Sky loan is in my name but did you. ever see any of this. money no wow okay but there is that in.

here that is yours as well right yes so. it's a combination yes how's your. relationship with your dad now um on the. menend okay go on uh basically a few. weeks ago it all kind of came to a head. and I got a few weeks ago right and I. got pretty pissed off at something and. everything kind of spiraled and. threatened to pay for his meal uh no I. you probably would love that but.

actually uh you know we ended up getting. into a huge huge fight and so like it. got a little physical and physical yes. how um like pushing okay and um so. essentially he needed to he left he like. went across the country and like went. and stayed with his sister cuz we just. like need you yeah what about Mom. she there yeah what was her thoughts on.

this she thought it was best that he. leave too at least for a. bit okay go on it was just so toxic and. no I go on where are we we're explosive. so basically he went out and he went on. the East Coast with his sister and we. had like a mediation and talked about. some of the things and I told him that. you know one of the big things is. because I feel like I'm stuck in a hole.

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aa.com Hammer to try two weeks for free. well I was going to say I asked so. what's going on here and you immediately. go to what your dad did but I if it's. only three deaths we have well more than. three so there's a lot in here that is. yours as well yeah and listen I get that. that is bad that of him and he should. take care of it at the same time you. didn't bring up any personal. responsibility stuff until I did you. immediately only started with what he. did which again out of the control.

that's and that is a part of the answer. but what about what you've done I went. into a black hole of spending I went. into retail therapy I went into over. when when for what because of this like. probably this entire year at least from. like January up until now what does that. mean what does that look like that looks. like me spending. $2500 on a trip oh good to where Wales. what's in Wales my friend went to.

college there and so went yeah she lives. in the States now but she was what the. is in Wales her I went to see her she. lives in the States now okay so you did. that this year like the end of last year. okay well you said this year so what. does they look like food concert tickets. hotels okay so you're just living the. high.

a lot of subscriptions instead of any. chance or hope to live on your own away. from the pops who uses your own money. also just lock your credit by the way. yeah I don't know how to do that okay. well make a couple phone calls I'll help. you and also Google exists y but we'll. help you afterwards I definitely need. it so lock my credit I don't know no no. no before that so concerts are more. important than you living on your own. away from this mad.

where your pops literally had to move. across the country at the time at time. at the time is right now then I have. your spending for right now by the way. miscellaneous bull 25% of your. spending it's Insanity going out to eat. 15.3% of your spending going out to eat. groceries is. $26 yeah so that's more important than. living on your own having any semblance. of Independence and getting away from. this chaos.

or you just want to stay there forever. and soak in that environment yeah. definitely I'm a big fan of temporary. escapes so kind of being able to just. get out of it for that you always have. to go back. yeah what is your plan what is your plan. Ben going to get into some of these. numbers in a second but okay the. temporary escapes I get it so what is. your overarching plan Ben looking. forward where does life take you well. ultimately I want to go to medical.

school oh wow okay do you have a. bachelor's degree I have three oh at oh. okay 24 well I got it in four years be. student loan okay there's not that much. student loans I I got essentially that. student loans are kind of a huge regret. of mine um because I essentially got a. full ride scholarship what are your. degrees um medical Sciences microbiology. and molecular biology with an emphasis. in biotech why are you not in medical. school because I I was a D1 athlete I.

triple majored what you sport or what. soccer okay and I did research published. a paper I worked like part-time. full-time job cool why are you not in. medical school because Medical School. requires clinical experience and I. didn't have the time to do that and also. I like in the middle of my college is. when covid hit so everything shut down. in terms of hospitals volunteering. everything hospitals are open but maybe.

not for what you needed yeah for they. weren't hiring because they were holding. on so I get it also that was also like. four years ago though so what are you. doing now well then I um took a complete. nose dive on my MCAT and I wanted to be. better oh well that's different that's. why you're not in medical school well. I've been working I've been gaining. experience I've been around without your. MCAT yeah I can't really I mean I so you. have to retake or have you I've retaken. it three times and I got the same score.

but I got in I got in one to a medical. school yes what um an Idaho. okay operating on. potatoes actually Idaho's biggest crop. yield is wheat and Iowa's biggest crop. yield is potatoes fun fact very fun how. much came in in this last month for for. money from your job how much. maybe like.

1,500. 1,278 but how much was spent. proly 20 20 no no no like. 2,300 not. 20,000 how would spending that have any. semblance of being okay to you I. definitely don't feel okay why do you do. it why are your actions doing that then. one that's the wrong number it was.

actually less but the fact that you. thought it was that it was 14. 1484 but the fact that you said in the. 2000s I have a really bad habit of you. know cool you acknowledged it what have. you done to fix it nothing why cuz I'm. not a magic pill I can call it the. [ __ ] but you seem to already know. the [ __ ] you thought you spent more. than you did most people on the show. when they need the call out they think. they spent less than they made even or. at least what they made but you think. you spent almost double what you made.

okay so what haven't you done why. haven't you done anything I've just been. in the mindset that you know like I'm. going to medical school next year you. are going to go you've decided I yes. pain how that is up in the air you've. not applied to different things no. scholarships grants student loans I'm. not really a good person for. scholarships and why because I am a. white woman.

that's middle class a middle class white. woman so we're just going to give up and. not apply to anything not necessarily so. I was going to apply for loans but that. can also get a little bit tricky um but. I'm trying to go into the military what. yeah when uh I'm actively speaking with. a recruiter I'm talk are you going to. medical school or the military or both. how does so they have you talking about. they have what's called uh health. profession scholarship program to where.

essentially they pay for everything they. pay for all my school they pay me give. me a stien yada yada and then I owe them. four years of my life afterwards after. the medical degree yes oh wow so it's. like four for four even trade okay hm. it's not the worst deal what are you. going to go into medical wise I don't. know yet I'm I'm kind of interested in. forensic pathology or like infectious. disease so like a medical.

examiner interesting all right what. would you give yourself score 0 to 10. zero being the worst 10 being the best. where do you think your finances are. right now today well I took I took the. score online oh and I think I got a one. okay if you want your Hammer Financial. score like she took it's free in the. description below also come on the show. come to Austin Drive overnight like she. did we'll have you apply at Caleb. hammer.com.

apply Capital One that's the. biggest and the most. hurtful so that's what you say every. time after a man buys you a. meal all. right I wish good I definitely wish all. right not the case all right all right. it's the motion of the ocean okay all. right. 5,000 $393.

it's a big thick balance at a $5,500. credit limit all right and then $189. minim payment with your. payroll is quite yikes yeah that's like. a. paycheck more money was spent than the M. payment but it almost didn't even matter. yeah the balance went down but not even. close to what you paid towards it cuz. you purchased $103 on it then $139. interest is why are you spending on this.

card every single time well some of. those spending I think were. reimbursed I think but why on a credit. card that is not being paid off because. I didn't have the cash why didn't you. have the cash cuz it went no huh no I've. never budgeted well if it didn't go. we're not bringing your bank account to. zero to pay off the cards that obviously. doesn't make sense basic that's what I'm. doing well then why would you put that.

extra on here we want to put extra but. we don't get yourself in a more. dangerous situation where you have to. put more money on a card that is a 30%. interest I I had to pay it I had no you. put $523 towards it but I had to make. the purchases I had to make some of. those. transactions stop I'm saying why' you. put more towards the card if it brought. your account to a dangerous low oh we. want to put more towards the cards in a. strategic way in your case this would be. uh in the world of avalanche but yeah if.

it makes it so you literally cannot. afford a couple dollar purchase why the. are we doing it this much more I don't. know how to budget and. um I just wanted to get down because. there was you wanted to get Barnes &. Nobles and. McDonald's which of those were. reimbursed never mind I thought that was. a different card none of those were. reimbursed yeah shocker who would have. thought so now we're spending the a card. that we can't pay off that is a crewing.

interest and is ourselves the Barnes &. Nobles was a. gift so it wasn't yeah I know it's one. of your hobbies buying gifts for other. people and then going on dates and. buying meals there's the McDonald's I. hadn't seen in like a. year so I had to buy like you know a. birthday gift and Christmas gift buy. yourself out of debt what are you. talking about what did you get her. Barnes && Noble I got. her I don't need even remember uh like. some notebooks some pens like little.

trinkets a candle I think it's not even. like an exciting no offense gift I it's. not even you were just like get this I'm. going to get this walking the a cand wow. so we go to Barnes & Noble better than. like Pottery Barn like anthropology. never been to Pottery Barn you should go. no how long does this take to pay off. doing the minimum monthly payment uh I. think the last time I checked it was. like over 20 years 21 years so you know.

some of these things I'm so confused. this these are the conversations that. really piss me off more than anything. where you know some of the things you. know some of your numbers you think you. spent more than you did you know you. spent more than you did uh more than you. made so you know some things but then. you go and you go McDonald's and Barnes. and Noble and refuse to change any of. the behavior so you have the knowledge. behind it and the refusal to do anything. about it which me pisses me off to my.

core it's the people who go on and. they're a little you know they're a. little dumb with their finances they. just don't know anything that's okay you. can walk with them you can lead them you. can teach them what is happening here. but with you you're just like I know it. but I don't give a [ __ ] so what the are. we even doing I didn't know until very. recently when I when I started watching. your show mid August mid August a month. okay okay uh now legitimately guys I. believe that you everyone in your life.

everyone around us can actually take. control of their financial future and. make their lives better and we've spent. over a year here creating tools to help. make those goals a reality right now our. budgeting program and investing program. are bundled together at a 15% discount. and you get $100 in cash gifted to you. right into your Mumu account there's. honestly no time like the president to. actually take control of your future. don't wait don't let this opportunity. pass you so that compelled you to look. at every balance yes and all the.

interest rates and the little time. periods things because I I did that one. hurts me the most cuz that one has the. most destroying interest rate probably. in like the 30s 32 I think jeez it's. going to start heading down with the. rate cut now but even still it's not I. mean and that's why I've been putting a. lot of money towards it because but it. doesn't matter you spending on it with. McDonald's up with the interest rate I. was getting so why get McDonald's on it.

I was hungry I mean that's stupid. obviously I mean there's literally like. a Beyond accounts in here why put it on. the most damaging one what that was your. thing you said this is the most damaging. one it's the one I want to get rid of. the most that's why I'm putting more. money towards it so we spend on here cuz. we're hungry. yeah it was like not an answer I mean I. only normally get McDonald's because I.

have the app so I get like 20% off how. okay well okay you cannot I know you I. know you're I know you're smarter than. that I'm asking why you put it on this. card the card you said is the most. destructive that you want to get rid of. I don't give a about an app I'm asking. about this card for f sake okay I guess. I am worried about this card but I will. say I haven't been treating it like my. main PR priority oh what's your main.

priority um I I think I've been trying. to snowball I think this is you said. this is your biggest balance yeah you. put $200 towards it more than the. minimum the payment yeah do you know. what snowball is I guess not what is. snowball I thought you start with the. smallest ones and then it goes bigger. and what's this one the biggest one. you're not dumb you're going to Medical. School uh you just literally answered.

exactly what I was going to say what the. I think the MCAT if you can at least. pass it you could tell me which one's. bigger and smaller and which one would. be paid off first if it's the smallest. one and which one would be paid off last. if it's the largest one so why is more. money going to the largest one what are. you talking about because that has the. largest interest rate so there was like. a so you're not doing the snowball then. but there was a couple months to where I. was getting like drafted like I was. getting you know going over the limit.

because of Interest I wasn't even making. purchases if you were making your. minimum the payment the minimum wory. payment is the L structure to get you. below where as long as you paid that if. the interest hit you wouldn't be going. above the the it was like two it was. like 220 or two something and it put me. like $50 back not now but there was like. a couple months so I've been just trying. to get that to where I'm trying to beat. the interest on that one that's like my. goal is like it's not even paying it off. it's trying to lower the interest you're. not a credit card person you need to use. a charge card where you put the money on.

it like the Fizz card you just you can't. manage other people giving you money to. use yeah that card too got a credit. increase when I was in Wales so that's I. had it paid off and then I went to whs. oh good and that was just the end of. last year yeah now it's basically up to. the credit limit yep all in one year I. did I did quit my job I was working full. time wish I liked traveling it sounds.

like so much fun you guys spend so much. money every single time I to be fair I. didn't pay for the travel expenses I. dude I don't care you racked up a $5,500. card fair enough because of the travel. so I don't I don't give a sh doesn't. matter you're just offset it by spending. more money somewhere else I think it. fell on the. floor that poor pen do you have like a. whole box of just like a bunch of them. just this one damn Credit One we know if. we have Credit One we're pretty much in. a completely position it's like the.

worst credit card you can get I okay I. don't even know how I got that card cuz. originally showed up in the mail and you. nope nope nope not even not even I had a. Credit One card from that was like my. dad gave me and he's like oh use this if. there's emergencies and I never used it. I never used it I never ever used it I. think I no and then all of the. sudden he came to me and was like oh. here you have your own card now so he.

opened it in your name maybe you don't. know I don't know you haven't asked no. why you guys have had the. conversations I guess I feel like he. doesn't. know maybe it showed up in the mail and. he probably just accepted it yeah. probably turned it on accepted. it okay $80 miny payment. $1,580 55 acrew on. this on a. or is the balance on a credit one which.

is crazy because that's the one I've. been is this the smallest balance. yes you're not focusing on it you're. purchasing on it the fu are you talking. about what were the purchases there's. one card where the purchases were re. Uber. Eats Uber skinat on a credit one what. are we doing in this world what are we. doing on Credit One Uber Eats take one.

of the most expensive ways to get food. combine it with the worst credit. card it's. impressive how that is yeah uh I think. was it like the subscription cuz I I did. cancel it I did I so it wasn't maybe I'm. not sure maybe cuz I did cancel the Uber. Eats um I they also got a hotel charge.

Hotel oh um I had gone to visit the. medical school that's fine well but not. on a credit one it's not especially if. this is the one that I'm focusing on you. don't put more money on it yeah even if. it's something the visiting the medical. school SCH school is totally fine I. support that we don't put it on the card. we're focusing on especially not a card. that credit won which by the way is. auring monthly fees is $800 or. $825 then interest of $401. go through our budgeting class everyone.

in the world should go through our. budgeting class but go through it please. you need to learn how to spend your how. to manage your. money cuz we could afforded. this My Place hotel we could have put. this in the budget and it would have. been fine CU it is something that makes. sense for your. situation go through the budgeting. program yes I will you guys can sign up. for it at a 15% discount bundled with. the investing class right now by the way. but you need to go through it you get it.

for free by being a guest on the show. yes I am very excited for that actually. oh good. I but again you're someone who knows. your situation without any action so I. don't all right we have a Marriot card. yep. $1,946. 49 that's one that I just haven't it's. on the back burner yeah it is cuz it's. only a couple dollars for back burner. what are you talking to back burner. you're literally purchased you purchased. on the three cards we've talked about so.

far your. words are completely opposite of your. actions this is the one that I'm working. on I'm not I'm doing snowball oh this is. just on the back burner you're spending. on all of them and your payments make no. sense. so plus with the interest of crewing. your balance actually went up your. balance went up even though you paid. double your minimum the payment minimum. the payment. 65 $46 of interest of crewing $105 of.

purchases. why Microsoft. ultimate there is your Uber subscription. there it is I it's canceled now it's. cancelled okay well guess what that. means the last one wasn't I thought I. canceled it but I paused it but it means. the one on the credit one wasn't the. subscription yeah that was probably. McDonald's McDonald's why McDonald's. because I get 20% % off every purchase. through Uber Eats well I order through.

the McDonald's app but it's through Uber. Eats so like an Uber person it doesn't. matter if you're spending like 20 bucks. on a McDonald's bullsh no especially on. cards with 30% interest and then green. gift shop really living up that was. reimbursed that was reimbursed oh we. finally oh this mythical reimbursement. that we've been hearing about for 15. minutes we finally got it and it's a. whole 27 out of everything we talk. talked about this mythical reimbursement.

has finally actually showed up to play. and all the parking charges were. reimbursed too why didn't highlight. those cuz parking sometimes you got to I. a call out parking did you say me call. out parking well it was more than $25 I. got reimbursed no but of what I've. called out so far oh yeah that's it $48. of Interest recruit this year so far. just on this card your minim ofy payment. yeah keep doing that keep on going on it. only takes eight years to pay off lesson. 20. huh less than 20 you're trying.

to what no I'm just trying to find a. silver lining in this crap you're Silver. Lining come on dude we take this we take. this real yep total deposit accounts $5. okay what is this oh. oh that's my car that's expensive car. for your income situation especially for. someone that's not going to be really. making an income throughout. school I I know your thing is a little. interesting depending on the military.

depending on that what's the qualif does. anyone and everyone get it or how do you. you have to get like accepted yeah it's. an application process oh have you been. accepted so I'm going through it um. based off my recruiter though he says. that I have they're always optimistic. he's yeah I mean I root for you good. luck I hope it works it has to. owning a business can be brutal.

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business banking platform that puts you. in total control of your cash flow so. try relay and claim your $0000 bonus. today your future self will thank. you okay so there is a story about this. too all right I'm getting crisscross. applesauce tell me um so originally I. had a Kia Soul and it was paid off loved. it yada yada and yada yada lots of yada. yadas in the store what's the yada yada. I feel like we probably skipped the I.

was a dumb no okay I I was in educated. so yes I was a dumb because I did not. really invest time into acknowledging. what I was doing um because my parents. got really worried about me in Idaho and. just like it snows they didn't think. that my ke wa when was this how long. have you been in Idaho well haven't I. got that car in 2020 but you're not. going to medical school in Idaho yet I. know but I did go to college in Idaho oh.

okay yeah I went to college in Idaho no. no no northern Idaho Moscow I wanted to. say go Broncos but never mind Boise is. in estate yes good job go on um but so. um they were worried about the Kia Soul. not doing well in Idaho with the snow. and the ice and so I came back one. summer and they wanted to get me a new. car and they're you know let's put it in. your name it'll be good for your credit. blah blah blah blah blah your parents. man and then and so originally it was.

put my mom and I's name and then um I I. refinanced it and I got a lower payment. and a lower interest rate but a longer. term um and then now it's just in my. name but I didn't want to get the car I. didn't want to yeah I think we need to. just separate you from your F uh from. your parents I know and we're working on. it like my dad has access to like a. bunch of my accounts but do you have.

access to your accounts yes then change. your login yesterday I don't he already. has it like like he has the cards and. things like attached to other Stu yeah. just say you lost the. card I never thought of. that okay that's fine I I don't know how. but that's. [Applause]. fine it's just okay. and. also my parents pay for my car they pay.

this. bill yes oh well that's. different I mean it's still risky in. your situation cuz it's a big balance. okay yeah cuz the balance is. 883892899 do the refinancing who did my.

dad but with your credit. yep I originally didn't want to. refinance. it I want you know there's a c you don't. want to go down the legal things but. there's there's there's a credit fraud. potential here and some of these. different things but I mean it would. kind of potentially put your family in. destruction mode and you know that's. kind of up to you in terms of what makes. sense there but I want to try to take.

care of it I oh oh oh how do you not. know anything about this okay I I do I. do I do I do I shook my head but I do. because I looked at my credit karma. report and I think it's around like. seven seven something seven or six. something it's not fantastic but what's. the minimum Mony payment uh. 397 I just don't know how you could. afford that if they decide to stop. paying it and they could it's under your. name 100% it's not their responsibility. I think they want me to what do you mean.

you think has this been a conversation. they've mentioned it a couple times it's. never what does that mean passing they. like yeah like they'll make a little. quick joke or like when it's time to pay. of like oh you know you should start. paying for this next year or oh you know. fun J they'll ask me like you know for. help. sometimes to finish the payment cuz they. don't have enough money. sometimes keep wiping that what's. happening I just feel so sweaty okay. you're you're good you know we've been. through 1 2 3 four debts but you.

mentioned at the beginning I asked. what's going on here he said he's opened. a bunch of debt in my name Credit One he. may have open that the card they may. have kind of pushed you into that but. even still no even still this isn't a. that's not lining up so far there's only. there I there's only one debt that he. accured you said three at the beginning. I said he opened it but I said there's. one that he us what what's the status of. the other two they're like they're. mine aside from when I help he opened. them but you took.

them he like but you managed them yeah. Bank of America yep is this one it is. this one what the one he racked up no I. really want to see the one he racked up. $2,169 47 with a minimum Mony payment of. $74 gosh basically at the credit limit. no surprise 14 years to pay. off okay again it doesn't I you you kill. me you kill me you made more than the.

minimum you payment but then you went. and purchased on it anyway and then $. 5324 is a every single card we've looked. at you've purchased on so I don't. understand what your intent is in. finance in. life what your goals are not aligning. with your actions by any any mean. possible any means I honestly don't I've. never finances for me has always always. been in the back just because I've been.

focused on other things like what like. when I was in school I got so good money. from school cuz I would get a stien cuz. I was on. a because essentially my California. insurance didn't work in Idaho so I had. to pay out of pocket for their student. insurance which was like a grand a month. what health insurance y why wen't you on. your parents I was but they wouldn't. accept it at the school well hold on at. the school yeah so the school medical.

yeah they will go off campus no. like it's like you have to have proof of. insurance to be a. student like you have to have insurance. and I could see it but why wen't they. they so the insurance the reason they. didn't accept it was because it didn't. cover outof state non-emergent things it. only covered emergencies oh so they. didn't accept the they but they. recognized it as existing it just wasn't.

the coverage they wanted yes yes and so. they they declined it and then I had to. get the student health insurance and. that was like $1,000 borrow for it a. th000 what dollars a semester you. borrowed for it scholarship didn't pay. for it no. okay okay the Bank of America uh. electric an electric What electron wait. ba oh that's your payment sorry oh. Amazon it was an Amazon order great. great another. $429 fees we've had fees this year $95 a.

fees that's either Mis payments late. payments or over the credit limit. multiple times probably three times for. something this year I maybe two I think. it was two do you even know two late. payments what how long have you been in. this job that you're in right now I'm. glad you got something new why have you. accepted it for so long working like a a. half an hour a week so it wasn't always. this way. um originally I worked for three.

different agencies but I wasn't. getting why' you stay hours so I left so. I did leave and then I picked up this. client and I I really like like them or. like them why they're not giving you. money the only reason to have the job. well job purpose but I'm glad you got. the purpose part but you also need to be. able to pay bills and live the life I've. been probably too focused on the purpose. because I did have purpose you're never.

even there I know but I did have another. job before that paid better and I had. better hours but then I quit it to take. time to study for the. MCAT which I'm not necessarily opposed. it's is but you've been in this job for. so. long okay and I I was worried because I. got really really burnt out are you. kidding me this next one also has. purchases that is five credit cards in a. row.

I the credit limit is 2,000 you're at. 1,974 yeah congratulations guess what. you spent you paid off more than the. minimum payment doesn't matter whatever. difference you made the almost $100 of. purchases are completely negating it $72. the minimum mon the payment on this so. we had some. parking gas I think but they caregiver. background yeah I have to renew my.

registration with why on a credit card I. never have the. cash cuz I I've just been putting all my. money. towards okay sorry. sorry we we already went through this. I'm sorry I'm irritated I. know I want to process this so I don't. just blow. up it's the fact m you you're putting. more than double on all these damn cards.

which great but then it makes it so you. don't have any money so then you just. negate all progress by putting the money. right back on the cards and then the. interest is gr and then you have feas. agre on some different parts throughout. the year so why you put the extra money. towards the cards why even put extra. money towards the cards cuz you just put. the balances all the way back up doesn't. even make any sense so why even do that. why even do that have the money in. account spend it whatever is left in a. budget we put towards the card one card. at a time too not both all so I just I.

don't get the method you're going about. this I don't either I felt very very. lost and that yeah I I just haven't I. it's so it feels so overwhelming and I I. don't I don't know it's like I woke up. one day and then Bloom it just came it. just showed. up obviously that's not. I know that's not how it happened but. that's what it felt like when I when I.

started caring okay when did you start. caring when I started watching your. videos only a month ago yep what have. you done in a month um cancelled a bunch. of my. subscriptions uh okay make lots of. sandwiches it's stopping and getting the. food i' been making lots of sandwiches. really no MC nugs no MC. nugs okay but I I still am doing what is. wrong in that I just I don't have any.

cash like I just keep I just put it. that's not been reflected in these. statements and we haven't even gotten. your spending statement and this. spending shows the month that you. started to care so that just I I it. feels like you're [ __ ] me I'm not. but but the numbers don't lie we have. your most recent. statements I'll say so what are you. talking about maybe it's more of a. feeling to you instead of you instead of. the objective truth it's a feeling it's. a feeling you feel like you're trying to.

maybe you cut 5% try I feel like I'm. trying I I do feel like I'm trying we're. going to get to the spending statement I. already told you what percentage went to. [ __ ] it was a crazy percentage and. of course you spent more than you made. so wherever the trying is it's not. really okay 32.242262. they're all bad to be clear but green.

sky is this one is this the pops yes. okay I recognize green Sky yes waa what. is it it's. 12,681 they redid the. yard in your. name yes. oh what did they even do uh it's all. Turf now you better roll around in it. get its money worth they really like it. cuz it's easier to clean up the dog poop. now yeah yeah. um but I I I should have asked more.

questions about I and I should have. asked more questions I did not. understand what I was. doing when they cuz they talked to me. about it they did wait they talked to. you into this so he didn't open it. without you knowing no no he talked me. he talked to me about it he asked kind. of at the beginning kind of at the. beginning you kind of led me astray you. made it sound like he was just taking. out debt in your name name but these. they may manipulate into it I'm not. saying that's okay no but you made it.

sound much different you made it sound. like he was just taking out thatt in. your name like credit fraud but they've. convinced you to do this as of all gross. get away from them as one card they. might not know what they're doing is. evil and horrendous and bad and. disgusting but their ignorance isn't an. excuse in terms of you having to put up. for it with it so you need to get away. from these people being able to convince. you the rest of it is on me it is on me.

aside from one substantial La how did. they convince you and how did you accept. it they asked me to cosign on the loan. oh you're co-signed okay but. I'm. I I don't know who with I don't think. it's my dad okay maybe my mom I don't. know he didn't know that it was going to. go onto my credit are they paying for it. yes okay. okay okay but it's really it's just it's.

just the one card that but you said they. had a conversation with you yes what was. the reasoning that got you over the line. to be like. okay I didn't know what it meant like I. thought then why' you say okay. because I thought in okay in my head so. they basically don't have the best. credit either what and um oh are you. sure at that time I had pretty decent. credit I think I wasn't watching my. credit then your credit's about 650 I.

think yeah and then um right now yeah. and. then they came to me and you know they. wanted to redo the yard whichever and. then they asked me to coign on the loan. to do it because their credit wasn't. enough and I I did not understand what. cosignment and in my head I thought that. cosigning was like kind of like vouching. you know like oh hey in the credit World.

it kind of is but it still puts you. responsible I want to give you free. money right now I've partnered with. different resources that will literally. give you hundreds of dollars 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 88.1%. 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 SOI. where they'll give you 4.5% on your. money and up to $300 would you rather.

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like he didn't know it either your. parents didn't know it no why did you. really make it sound so victim me at the. beginning then when this a lot of this. were your decisions more than you. suggested kind of I didn't mean to it's. really just the one card that was his. who the [ __ ] what the who the are these. people it's like anim what am I looking. at it's like anime oh like Game of. Thrones classic anime Game of Thrones. yeah sure okay keep going um but okay.

this is I don't know $189 minimum to. payment I get that they're taking care. of this and the car but I mean they go. the crash they die I hope that doesn't. happen you're yep cuz by the sounds of. it you're probably not getting any money. from them maybe some life insurance. we'll see but who knows well sometimes. but I won't ask for it sometimes what. sometimes they'll give me money oh what.

okay. and how is this how does your guys'. money relationship work it's so this is. It's really it's not I need you to not. separate from them as a daughter. separate from them as finances Finance. but that means you moving out but I. don't know how we're going to do that. with this school thing unless you get. accepted into that program that you're. trying to do okay so again. $1,681 68 set a 7% interest rate rounded. up by 0 1% and $189 mon monthy payment.

all for some. Turf I've been thinking of getting some. Turf it's really great cuz I got two. dogs and it'd be muddy oh it helps it. helps a lot with the clean up okay. student how many semesters were you. there 10 semesters 5 years no four years. okay then you you borrowed more money. than you suggested if it was $1,000 a. semester I I borrowed I didn't suggest. that I was only borrowing a th000 I said.

I borrowed for that and then it was just. and then more I I didn't I didn't know I. just you know they filled out the FASA I. saw who who they filled out the fasta. like my parents oh we're back to that. okay and then um my gosh I thought that. was some I thought that's what parents. did I didn't know um they could help you. but these aren't Parent Plus Loans no. these are yours and so I I I had no idea. and then basically I how it showed up to.

me was in my student account and it was. just like oh you have this amount of. money to. take do you want. to huh yeah yeah what did you just say. it like asked it said okay you have this. amount of money available that you got. to prove for do you want to take it oh. do you wna yeah oh my gosh okay that. came out as one word okay uh 5% on one. of them 4.5% on the other 2.7% on the.

lowest. $1,133 82 you paying yes what's your. payment like 80 bucks I would have. guessed about. 150 you're on an income base payment. thing I have no. idea I just go online and it gives me. the the amount to. pay I don't see on this. because I don't think this is. a literal statement or else it would.

have showed your payment great okay well. all right okay any other debt no any. other debt no your money to your aunt. for oh yes yes sorry how do. you I thought like statements okay why. do you owe your aunt money how much. money do you owe your aunt 2,600. 7 something dollars 70 something okay uh.

why since when that was the card that. got racked up by my dad and then when he. went to visit her she was like well I'll. just pay it if it's a problem but you. owe it to her yes so I guess there's not. interest right no okay so we saved. ourselves there and potentially a. minimum payment but. in the end you still have the debt you. refinance it at 0% with a questionable.

payment do you have like a payment. agreement like about 500 every. month I get help from my dad though huh. oh since he was the one that how much. does your dad put towards that 500 500. that's he puts like a majority like. normally okay give me a number so I can. bud you so you still have to pay a 100. he better yeah what the does that dude. do for living he's retired now there was.

a card we had a statement for but she. said paid it off fully so we didn't. print the statement is that what it was. yes he had a door Dash order on it was. that him or you no no no no does he have. access to it did you close it close it. it's your it's your thing just close it. or request a new card I don't care but. honest you shouldn't have access to. credit cards because you don't know how. to manage them to save your life. yes access has been removed you said he. was an attorney yes he was a he's. uh dead be dead I don't what what's his.

new job um he's retired how old is he He. is 65 no no not 65 he was born in 65 so. like almost 60. 59 if he was retired why is he going. into debt on someone else's name he. didn't retire on his own he it was for. medical reasons okay. and he didn't have anybody saved there.

was no. medical anything that he. got he gets a little disability but not. much Social Security what is that. maybe or has he not started to accept. Social Security yet I I don't know I. don't know about his business great he. only uses your money so I'm glad you. don't know okay $10. in this checking account some. Marketplace you went oh my here we go.

Spotify you can listen to ads you can't. afford bills I Don't Give a listen ads. ATM withdraw for gardening. $23 Starbucks apple. Bill wi it's I got some BS Apple Bill. what are these 29 Cent Apple charges it. was what are you. getting Tik Tok huh for 29 cents what. like the little you know you can send o. to who to why it better not be that M.

popcorn's so good girl no who like. streamers like cod streamers on Tik Tok. is streaming Cod on Tik Tok a bunch of. people can't even like see the full. screen it's on Tik Tok well or you can. can you go horiz animal yeah some you. can stop you don't have money okay $8. tip there maybe I don't know communal. coffee star bucks knockout Danish and. donuts better buzz you guys see what's.

happening this is someone who's cut. back better buzz Starbucks Terry. coffee more Apple Bill probably. super you're it sounds like you're going. on dates every 5 Seconds of your life to. pay for food so you're probably getting. super likes and super swipes no apple. pill. no I'm not getting super likes or super. swipes and I'm not dating anymore I. deleted everything and I never I would. never pay for a subscription for a. dating app yeah it's usually the men.

that have to do that Apple Bill we're. the. customers uh Uber Eats get in your MC. fries oh we actually did cuz then we. went to McDonald's and you win and got. some [ __ ] ATM withdraw 35 $33.50 for. gardening Apple cash sent out 70. bucks uh. I I had got gotten that came back I had. gotten into a fight with my dad another.

one yeah oh good and he he he was uh. getting my car washed for me as like a. treat and then um so I got mad cuz he. was like using it against me and I Tred. to send it back oh my gosh why does. everyone use everything against you. apparently if a guy buys a dinner on. going on Dat you know. they're they use it against you for. intercourse if your dad gets a car wash. he uses it against you why does everyone. use everything against you he did but he.

sent me the money back so we can no. longer use it against okay UCI s. admission a med school application Co. cool cool cool glad you got into a med. school I am and I know that's hard to. get in so I'm waiting to hear back from. a couple more too well do you have a. preferred um no not necessar I was going. to say Med school's med school man I. just need to get in I got in a while so. I already oh ATM with draw ATM with draw. ATM withd draw ATM withdraw all for.

gardening. great yeah I probably can't afford this. bull dude not for a single second of our. life can we afford this at this point. cuz you've said so many times throughout. this conversation yeah I didn't have. money so it was put on a credit card did. you just see the checkin account. statement we went in it was spending. spending spending spending spending. spending spending spending on [ __ ]. across the board I will say will you yes.

I will um that statement was July and. beginning of August and I told you that. I've been trying to make changes since. mid. August this went to Mid August it went. to like the 12th I'm talking like also. known as mid August the. 14th I remember the exact date shut up I. swear I swear great I'm glad that you. just like everyone else changed habits. as you conveniently applied to be on a.

show where your finances are that's what. happens and then people go off and then. they up still unless you actually take a. real change and not just a temporary I. want to make sure I look good in front. of the internet yes okay so I don't want. to hear it $251 in your investment. account okay so. nothing what are we trying to do here I. want to get out of debt and be smart. about it why do you want to get out of. debt because because I want to be able. to go into medical school in the right.

way are we going to do this are are we. getting out of debt before we go into. medical SCH School $54,000 364 at least. my credit cards at least my credit. cards cuz at least with the green Sky. you know my parents cover that and okay. so half and then I so probably like. $25,000 of credit cards I think it's a. little bit less I think right now oh. sorry I was calculating student loans. yeah and I and. and so I think it's around like $122,000. in credit card debt right now after when.

do you hear about this program and how. competitive is it this military thing. when I submit my application that's what. I'm working on right now so it's a lot. of paperwork um when I submit it it goes. like before a group of people and then I. he said I should find out within the. month of submitting what's it called. the for the. Army cuz I think the Navy and the Air. Force have one too but I'm doing it. through the Army let's find.

out he said I have a good shot I I'm not. going into it banking on that it's not. disclosed typically offers around 300. scholarships per year how many you. apply what was your MCAT score uh 503. okay you barely made it yep cuz you need. 500 yep what your GPA 3.94 barely made. that cut off too. what that was you're a little better. there it was. 3.2 that's like s that's not barely.

cutting it all right call. down I only got two B's in college yeah. you're right no but yeah with the mcap. yeah okay they offer 300 no you're right. about the GPA but and the rest of my. application is competitive aside from my. they don't say how many people apply. it's not it's not public information and. neither is the accept right no the. program is very competitive if it says. though yes and I'm 300 and I in a.

country of like 350 million people gosh. so we can't rely on this no obviously we. hope you get it of course absolutely um. I'm not relying on it gosh usually I can. like oh I wish I could do something like. letter recommendation uh not that they. would care about me I was oh YouTuber uh. I'd gift you a course career. certification which I recommend for. really anyone but that again that.

doesn't help you here it helps most. people on the show I did get two more. jobs I'm going to I know I'm just trying. to think of yeah I know but even medical. school's crazy like you're going to be. boring what like $250 to $500,000 so. it's just like yeah we can pick up some. jobs but that's some money like we need. some real good jobs working full-time to. pay for that I mean it's going to have. to be a loan or scholarship okay yeah. but you're white so you can't get. scholarships you said there's like a few.

that I have looked into. applying and maybe I should but it's. only like a few grand you know in the. grand scheme of things versus. $250,000 it's not the greatest like I. think there's some athlete scholarships. I could apply for for Medicals for like. NCAA like you can get scholarships yeah. for like graduate programs at least um I. know one person got it said if you're.

playing the I'm white card so I'm not. going to get a scholarship at least. you're a woman I know right cuz if. you're going to play that card then. probably you could go to the extreme and. say if you're a white man you're the. least likely so that's true it playing. your logic strictly true no. that's I kind of thought about that I. did um almost become a white students. receive 70% of scholarship really wow. for what though full full tuition.

scholarships but for my okay I will say. my income middle class is the harsh. against sure and I I kind of expl listen. I'm not fighting against it I'm I'm not. educated on the statistics around. scholarship so when you throw that at me. I'm just playing into your own logic. like I I don't know so that that's it's. not worth going down a rabbit hole here. yeah uh I'm sure there's going to be. more uh people with opinions in the. comment section was totally okay. I just I'm legitimately just not. informed on.

that I just I really hope you can get. into this for I'm just trying to think. I'm okay some people are completely. against student loans and all thing I. think if we're Focus if we get a good. specialty in medical that we know we're. going to be making a good return on our. investment you can take out student. loans we just need to talk about a debt. repayment strategy on the other side of. it so I am okay with that we can go. about it in a smart way if you go out. and you just barely making your minimums. and you just start living a high. lifestyle after medical school or you go.

in and you're like a you know general. practitioner you're not making as much. you know it's just like which also. that's not necessarily bad but if you. take out student loans it makes it much. harder so there's ways to go about it. okay so obviously we want to make you a. budget yes put you through all the. education but when do you go want to go. to medical school though because it's. next year so so are July August so we. have barely less than a year to get out. of credit card debt that's why so that's. our goal here yes that's a good goal I'm.

glad you actually have a goal most. people don't have a goal this is. actually Pleasant to hear yes thank you. income can we say do you know what it'll. be like I don't what's your income going. to be so I'm I'm working seven days a. week I'm working four hours each day at. $20 an hour with that person through my. agency then I'm going to be working at a. juice bar for an additional 4 hours. after that part-time so that will also.

be 20 hours um 28 hours for the agency. and that will be which what will your. income be oh I don't know like I I'm. hoping to get to at least over two grand. two grand yep after all that we're only. talking $2,000 a. month I haven't looked into it I haven't. done the number calculation I'm not. going to put an income let's see what. you just need how about that let's start. there I'm not going to include the bills. that your parents pay for for the debts. but they could come and you over so just.

acknowledge that existence Yes actually. I'll show you an if and or. but 660 without them are your bills but. for some reason they stop paying well on. the yard the car they want you to take. it over so let's add the yard and the. car then you're at. 1,246 a month you know over doubling. it okay do you have to pay for utilities.

or anything any kind of rent to them. okay how does how does food work at the. house me I am responsible for my food. mostly you are okay $300 follow our meal. plan tweak it to your needs I did have a. question about that oh sure what would. be most comparable to. HB I don't know I don't live there but. just uh or even big chains you know like. Walmart like and I think.

Wier Trader Joe's can be. okay that's pretty pricey it it's it can. be okay it's really depending on what. you're getting uh just but again it's. just like go on the websites see if you. can price out things on the websites. because that's how we did our meal plan. is using website prices and then. building out you go and you get that. brand specifically TP fun this is for. all all the things you else need to. survive make up all the goodies okay so.

good. carrance do you pay it do your parents. parents okay so again this victim thing. at the beginning like it gets less and. less and less empathy yeah as we go on I. I am very grateful that's why really. no mhm gas me how. much about. 150 a. month okay and Jim.

no gotta be working off them. [Music]. McD's McDonald's mcns anything else that. needs to be in your budget I'm not. putting subscriptions they have a pet my. dog how much for pet food M probably. like 50. bucks okay do you have pet insurance no. you should it just saved me literally. thousands like two weeks ago you know I. think I did actually talk to my mom. about it and she said that stop talking.

to them about money well she gets vet. insurance through her work so but she. just hasn't been using it so I told her. after watching your show okay well I'll. put 35 in your budget just in case let's. see what you need to survive is there. anything else that needs to be in your. budget that we've not accounted for yet. no obviously you'll build a more. detailed version after going to the. program but this is going to give us. just a high okay. 1,235 a month okay. that's not hard to get but what's hard. is we need to get your credit cards.

taken care of right yes that's the big. thing here so we got the Capital One. 5,39 Plus Credit One. 1,580 your aunt plus Mar yeah but your. dad's. pay big majority Marriotts. 1,946 my aunt watches your show. hello. Aunt make sure you smash that like.

button ant of Maya is she going to watch. the post show because that's where we. get a bit. more wild than I don't know if she has. the patreon or the membership this will. be my first post show it's fun yeah I. wouldn't want you to subscribe no okay. so just the credit card is 12,780 with. the money you have left if you say okay. well no no no no you have 11 months to. pay it off so what do we need need for. that we need and this is without taking. any interest in account but it's also.

without taking any snowball in account. either so. $1,156 let's called that that's what you. need to pay towards it on a monthly. basis to pay it off by the time medical. school. starts we we I mean we can do it I can. do it I I know I can do it yeah but but. to be clear in order to do it you need. wait oops sorry you need to bring in. minimum into your account.

$2,391 on a monthly basis that's your. literal minimum y literal minimum only. put the money towards the smallest debt. nothing extra minimum the payments and. everything else then just keep rolling. it over into the next smallest one don't. look at interest just snowball works. best for you I. think okay uh not moving out until we go. to college cuz that would add more. another line item but again that might. make it even harder because you and your. family it's questionable. okay and it also means you're literally. not spending a single Cent outside of.

her budget which is hard so what I might. do is aim to bring in $2,500 on a. monthly basis n okay but you're not and. you haven't you still aren't even with. your multiple I'm I'm going to I'm. biting the bullet now I'm biting the. bullet because I'm biting the bullet I. will be make the one that's 32 hours a. week it will be 12 hour shifts so I will. at least get like a little bit more for. the extra 4 hours on top cuz it will be. at a hospital and then TP I know it.

won't be that much but tips from the. little juice bar job too sure so what I. want to see is I want to see you right. back in that chair or virtual but. preferably right back in that chair in. 11 months right before you go off to med. school and I want to see every credit. card paid off okay now what I would. actually prefer is again you know make. it a little more and head it off to med. school with a at least like $33,000. saved up for a small emergency fund I.

would rather more but you know we have. limited time here but that's what I want. to do and then the your ant would be. paid off by then naturally if your dad. doesn't up as he's done the yard and. then car scary then all of a sudden we. have to start Bud again this whole. situation gets thror off by the way if. your parents start requiring you to pay. for the car within the next year then. you're just going to have to go find an. ex ex. 397 minimum yeah and probably car. insurance too if they're going to make.

you pay the car payment they might make. you pay the car insurance so there's a. lot of if hands or butts here and then. the stud loans we'll worry about that. after school they'll enter deferment I. do have like a small plan I know it will. be really challenging um what's your. plan if if I have more expenses in. medical school since I will be carrying. my CNA license to just kind of do what. I've been doing even though it's bad but. do it in school like working very. difficult to work well in med school med. school law school very hard to work well.

in no I I 100% correctly yes and then. once you're in residency you still we'll. be making like oh yeah I know so this is. a long-term game here but you could live. an absolutely incredible life you really. could I'm in I'm in it for the long game. I just I then you need then for the. short game sacrifice if you're really in. it for the long game focus on the short. game which is Big sacrifice right now. yeah and your Hammer score then we'll. bring in the producers do the post show. talk about some extra drama we haven't. had here uh we always love doing that.

you guys can enjoying that link in the. description below we have a lot of extra. shows and stuff it's pretty fun but. spending in a budget you over spent it. so Z out of 10. debt it's a weird situation to family no. collection for your whole situ I know so. it's not a zero but it's a one out of 10. it's pretty much as bad as you and your. situation can get without the. collections or IRS that one out of 10. emergency fund. 0 out of 10 there was nothing right. retirement you barely started so I'll. give you a one out of 10 real estate.

nothing 0 of 10 we only rhymed up unless. I hate someone and I don't hate you so. ammer Financial score 0.5 out of 10 make. sure to join us in the post show Link in. the description below and check out our. investing and budgeting program which. are the best on the entire internet. bundled together at a 15% discount see. you all in the post show today on the. financial audit post show my last guy. that I dated I swear to God he was an. NPC. things what when you held his hand he. had to have his thumb on top and he. would get genuinely pissed off he would.

never let me pay ever that's so he could. get and then he would complain about the. fact that I didn't pay for anything I. was just joking but never mind I guess. it's no it's exactly what happened. outside of the restaurant he wants to do. it in the back of his car right there. all right people need to have a little. bit of patience it's crazy out there to. watch the financial audit post show. click the join button below.