$1,000 In Minimum Monthly Payments Are Ruining Her Life

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1:03I'm based out of Austin, Texas, and this is Financial Audit. Dude, I never know how old people are because I thought, like, you have young skin. Oh, yeah. It's very good. Then we've also had people that say they're young, but they look older, so I'm very confused all the time. You're like, where are these people? I don't even know how old I look, but we're actually the same age. I didn't know that. I thought you were younger until you said that in a video. there was one video i don't remember which one it was is that because i have beautiful skills yeah so awesome what do you do 28 years old for a living in austin texas so right now um i am working for accenture and it's accenture flex and we do work with meta so okay that's what we're doing at the moment well what's your position um so i am it's kind of hard to describe sometimes because they have very specific ways that you're supposed to talk about it um so what would you call it to everyone else so that they knew what no there's like a thing that you like have to say but it's like kind of hard so i'll just say um like a reviewer of content i'll say that okay it's like very oh to see if things are bad yeah so i look at like some honestly it's I'm good.

2:22I'm good. Not anything terrible. Like no like murder, but like definitely some funny stuff that maybe somebody might be offended by. And maybe it shouldn't be on the platform. So not terrible. No, that's not bad. What do you, what do you make right now? Currently it's at$22 an hour. How many hours a week do you work? 40. Guaranteed? Yeah, we have to. Ever higher, any lower? No. Okay. So whenever you make that, like, with the days, sometimes it's 20 days, sometimes it's 22, sometimes it's 23. So it's$3 ,500 to$3 ,800 depending on how many days. Per paycheck? Of the month. Because we get paid on.

3:02So let's say that number one more time. $3 ,500 to$3 ,800? Yeah, it's$3 ,500 to$3 ,800 before taxes. And then once taxes come out, it's, like,$3 ,000 to, like,$3 ,200,$3 ,300. Somewhere around there. call it like 31 then sounds a little more conservative side in terms of that upper number but okay if you're living in Austin and that because like with the rent and everything with where things are like it could easily be 50 % of your income so like how are you feeling living here yeah so I actually don't mind the pay I think it's okay especially since I do other things on the side however with the way that I have set myself up financially it's not good at all I use my entire paycheck for bills so everything's going out immediately yeah pretty much so like and I have this like kind of anxiety so every time I get paid I just want to like pay every single thing that I possibly can so that I don't like worry about it I don't like I'm still necessarily bad I know I'm still a little uncomfortable like seeing money like in my account because I used to have like a pretty bad problem with like spending it i'm getting better but i'm still working on it well that is definitely not good then i guess in that case i'll ask the question you know from your own perspective how do you see your financial situation in general um i mean if if i could scale it like one to ten with no other like um lindic no positive attitude or anything because i feel like i have a pretty positive just realistic um i'd say it's like a four out of ten like it's it's not amazing but it's not all the way at the bottom i can still climb the last time someone gave themselves a score ended up being like three points lower so okay so i'm at a one maybe okay i'm just kidding well we'll see i mean i don't know i mean all i know is that in your checking account$22 yeah that's usually what happens yeah and we started with$19 it's it's not good do you have automatic payments for some stuff but not that's where it gets risky though I know I try really hard to make sure but you can actually see on one of these pages I never go over but there's two times that I actually did go over it's it's red on here I think it's on this one.

5:27Yep, right there. So you overdrafted. So I did make a mistake. However, I wanted to take a brief moment to thank today's video sponsor, Public. If you're like me and you like to set money aside where you're saving up for a big purchase like a down payment on a house, then being able to earn 4.7 % on your money through government-backed treasury bills could be even high-yield savings accounts. And unlike those traditional savings accounts or high-yield savings accounts, these treasury bills are at a fixed rate so you always know the return you're getting. And unlike those traditional savings accounts or high yield savings accounts, you know when you purchase the government backed treasury bills, you are purchasing in at the exact rate you get.

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7:13Did you fix it in 24 hours? Oh, yeah, for sure. Yeah. I have. It's still so risky. I know. And what confuses me? Okay, so we have a dollar in savings. Yeah. Like, okay. Oh, that's just because I actually don't use that savings account. I use a different one. But what confuses me here, if we know our financial situation is bad, if we're trying to get out of whatever, we haven't even looked into the debts, but I know there's a lot of documents to go through. If you're overdrafting, why do we have subscriptions to Dropbox and other Apple subscriptions? Why are we going to McDonald's and Mocha Nut thing and Cracker Barrel and, you know, let's see.

7:53The Hideout Pub, Popeyes, Baskin, Chipotle, and other Apple subscriptions for iCloud. And getting pizza and Schlotzky's and ice cream. DoorDash. and why are we I don't door dash that's me door dashing I swear it's a plus like I do door dash I don't believe in door dash even though I do it I don't believe in it because it's so expensive it's way too expensive can you explain the rest of these so some of them I do feel like it's okay to buy every once in a while some of them were actually for the YouTube channel But is it okay to buy every once in a while when you're overdrafting? Yes, you fix it within 24 hours.

8:39Good, but you did it. You have no money. Yeah. How can we possibly say, I can afford this? True. You really can't. Especially because we do see in here at the same time, again, another Apple subscription. Oh, yeah, that's for the YouTube channel, too. We have two car payments. I promise it's just one. We have a care credit. No, I know, but there's two payments on here. and we have a care credit thing. No, three payments on here for the car. Yeah. So if we're doing all this, and some of these weren't even for your YouTube channel marked as YouTube. Only three of the food things that I ran out were marked for the channel.

9:18So the other ones, which is bullsh**, which you can't afford. True. So why are we doing that? I mean, you tried to justify saying you think it's okay. Do you think it's okay? Even though you overdrafted. I do think it's okay, but I usually don't overdraft. That's the thing. I don't care if you usually don't. You did. I did all my math for everything and I thought I had it right but I think I just accidentally wrote it incorrectly because I never overdraft and I don't know why I did. I did the whole math and everything. And if you are making three car payments, obviously there's debts that we'll have to go into and there's a care credit thing.

9:54If you're doing that, then how can you justify going out to eat and all these things? instead of putting that money towards the debt i get it i definitely do i put more money towards my debt like every month i mean it's just not like since i do have like the youtube channel and if somebody like i don't always make a video like every time that somebody comes out with a new thing like let's say that like chipotle they just came out with like their new meat okay so you have a youtube channel you review some foods yeah so i try not to do every link in the description thanks i try not to do every single one because i understand that it's not something that is okay but i try to do it every once in a while i try not to do too many looks like a couple times a week yeah so this also isn't healthy yeah and so that's why we've seen someone that did this exact content die recently oh yeah that one guy i think i saw that on tiktok maybe is that is that who you might be talking about he died because and then you know you're here we got these chicken tenders and i mean of course i'm saying this and i know i have way to lose but either way we know it's unhealthy like we're getting r &b steak and fries we're getting donuts and jersey mics everything there's not a one okay here's one healthy thing a chipotle chicken el pastor yeah so you're doing some mukbangs as well so like i mean that's unhealthy in general just overeating so my mukbangs like they're not like overeating kind because i think they're like i don't really like that kind but i would say the review is more like hey this is what i think about like this food and then a mukbang is more like hey here's me talking about like my life um but i do agree with you that like the there is a line with like the health yeah so i just recently started doing it less and then more like cooking at home however since I just started a new um way to make money I haven't really had time to film it rover oh okay yeah I make a good amount of money with that so far and I'm really happy with myself and like how I'm like working towards it and I actually wanted some like advice about how to allocate the funds for that because I'm wondering if I should do like a percentage per month of that toward like my debt or should I just save it all?

12:25Since it's like extra income. We'll have to look at the entire situation. Probably debt but we'll have to look at the entire situation. How much you bring in? You have over a thousand subscribers so you're monetized. How much you bring in on a monthly basis from the YouTube? Not yet because I don't have the view yet. Oh you don't have the 4 ,000 hours of public watch time within a year? So I'm still working on it. It's within a year right? Or six months? uh yeah it's 365 days like whenever it's going on i'm arch manning viore athlete and college quarterback whether i'm running training traveling or just unwinding at home i love doing it in my core shorts from viore with a breathable boxer brief liner they're quick to dry super versatile and stand up to even my most intense training sessions plus they come in three inseams and a ton of colors ready to try a pair go to viore.com slash arch and get 20 off at checkout i think you're going to love them as much as I do.

13:11That's V-U-R-I dot com slash A-R-C-H and get 20 % off your first order. Exclusions apply. Visit the website for full terms and conditions. Not only will you receive 20 % off your first purchase, but enjoy free shipping on any U.S. orders over$75 and free returns. Have a great day. I think right now it's like half, so I don't see that really bringing anything in until like at least another year. Go give her 2 ,000 hours of watch time. Please. and also subscribe right here love you thank you we're trying to get to what like 500 000 subscribers so yay your channel is going like i found you whenever you're like 80 and i'm like wow how did he get this i've been very blessed everyone's everyone's incredible i feel like i do not deserve it but thank you to everyone i feel like you do like you really do a lot of stuff to help i mean i haven't watched that many of your videos because i just you know found you not too long ago.

14:06I'll see if you feel, let's see if you feel that same way after I yelled at you. I'm ready. Cause I have a feeling there's some debts we need to look at. Yeah. So if you'd like to, uh, understand completely about how stressed I am, like underneath, um,$1 ,000 a month goes to debt besides my car. That's a third of your income besides your car. Car is debt. Yeah. Let me open it real quick once. Open what? Car is debt. No, I have it like all like written. Okay. Well, before we do that i wanted to look at one other account you had okay robin hood so 52 so nothing okay so any of the like investment accounts in there is me kind of like it was i don't want to say the word i'm going to say because some other guy said this and it was not good but i was kind of like playing around with it trying to figure out how to use it like i wasn't exactly sure i've been trying to teach myself stuff like ever since 2018 when i saw gram's channel for the first time i've been trying to teach myself different things so i have like an e-trade account that did really well for a little bit um it's kind of like just hanging out right now i try to teach myself robin hood try to teach myself weeble but why are you doing this right now when you have bad debts so i'm not doing anything at the moment i just left everything in there like i completely agree with you it's from like your high yield savings has 77 dollars in it yeah okay that um i was putting stuff into but then i realized i should just do like everything i can to put like as much toward the debt as possible so that's what i'm doing right now and then yoda yoda oh yada have you seen that no uh gram recommended it in like 2020 i believe um well you have 158 in there so we just we're having all these accounts with basically no money in it yeah so i still put stuff in yada it's um i think every 25th i think 21 25 goes in there okay then we have e-trade yeah four hundred dollars this one's more yeah so i invested in something that did pretty well i just can't remember what it's called because i did it like two years ago um but it i think it does like it's done like 30 or 60 like since i did it you're in just a few individual stocks so I just don't do anything with it now.

16:21I just leave it as it is because I feel like the debt is more diversified, but yeah, it was me trying to teach myself. Cause I don't know that much about investing. It's kind of hard. Why do you have so many checking accounts?

16:36Yeah, I honestly, this feels disorganized everywhere. We have, we have like five investing accounts open with almost nothing in it. We have a few savings with barely anything in it. Now we We have like three checking accounts with, let's see. So in this checking account, started with$9. You did end with$188. Normally that's not considered good, but compared to what we've seen so far, okay. This just, it's just going to pay off cards and Klarna. Klarna, great. What'd you get with Klarna? Was Klarna, was that the one that's a reversal or was that a taken out one? Because I know I just had a reversal recently.

17:13They're both taken out. There's two Klarnas that were taken out. what month is that uh statement that i sent you is it from february or january because i know i sent you my statements a mixture of both oh okay so um that's my checking account at a bank right i don't really want to say like which bank it's at okay that's fine is it is it is that what you're looking at is a checking account um so for a long time I wasn't purchasing anything new because I was like I need to take care of the debt and then recently I was like feeling like I was missing out on stuff you know like the whole FOMO thing you know what I mean okay so I made some decisions whenever I got my new job and I bought some stuff and did you buy um the Klarna ones are probably from Steve Madden so I bought some shoes because I never like update my wardrobe or anything.

18:09Like I've always been like, I've always thought that like buying clothes was like a waste of money. And like, like everything that I thought was like a waste of money is like buying sodas, buying clothes, you know, just like wasting money going to different places like all the time. So I tried to not do that. And I think I just tried so much that I kind of went crazy when I got my new job. And then we have Fidelity again and they're 60 bucks. So this is not organized at all. You're just everywhere. Just absolutely everywhere. And then guess what? We have another checking account. Which one? Checking account.

18:45RBFCU. Oh, yeah, yeah, yeah. Okay, so that one's actually for Rover. I have that one because I want everything to be separate. Why? It's still your income. I only have it like that because it's like a business thing. So I want to make sure that I like it's set. Oh, okay. I see what you're saying. You know what I mean? Yeah, yeah, yeah. That's the only reason. Well, it's$30. I can't see any of the activity in there, but there's$30. Currently, the checking account for our... RBFCU. RBFCU. It's new to me. So currently, that one has like$158. And then I have like a savings account that everything from Rover goes into.

19:19And it's at like$400 at the moment. So yeah. So all your savings and checkings together probably come out to like$600. Probably, yeah. Across like 90 accounts. Or like$700. So your retirement and investing comes out to only a few hundred as well. Yeah. Across like a billion different accounts. Yeah. Okay. And I definitely want your advice on how to kind of. Yeah. Consolidate. Consolidate. Yeah. I mean business and personal separate. Yeah. And then do pay outs into your personal from there. But keep track of every business expense and everything. So you can make sure you're taking advantage of tax write-offs and everything.

19:55So keeping receipts and everything. Yeah. I'm writing like. software to do that but then just budgeting with the money that comes into your main area budgeting into different categories knowing exactly where your money's going not freaking out different things not overdrafting stuff like that so what is this upgrade uh that's a really sucky personal loan that i have why do you have it so um i did one personal loan in 2020 and it worked really well for me i actually just paid it off why how did it work really well what does that mean um so the i have a capital one credit card that the limit is like 3 500 and i had it all the way up and i got the personal loan paid that credit card and like one other one i paid off the personal loan and i didn't put anything else on that credit card so i was really excited about that however i have other credit cards i'm confused yeah what's up you talk Talk about like until recently, until you got your job and stuff, you didn't care about clothes, you didn't care about pop, you didn't care about this, this, this, this, this.

20:59Why are you in all this credit card debt from the past that you consolidated into a personal loan that worked for you, yet we're still in these debts? Meaning there has been debts going back for a while. Why were you in it in the first place? So I've actually had a YouTube channel since 2016, and I was convinced that I was going to be a beauty guru. so a lot of the debt that i had on that credit card was for makeup and stuff for the youtube channel that didn't go anywhere because i did not like put effort into it like i didn't also you should have collect cash flowed with a job oh yeah for sure so a lot of that debt as well is because so my mom doesn't have any like she's she's good she like has good things for like being frugal but she never taught me about financial stuff so I got a credit card I was like okay cool I was like doing the right thing and everything I started doing bad stuff like partying and stuff like that and I just wasn't taking care of it properly when I finally realized that it was a problem it was pretty deep and then i kept doing that did you find that out i kept doing that thing where you like just for like you're like pushing it out like i kept doing the minimum payment how old were you when you figured that out oh 22 22 so this was a while ago yeah and i'm still like trying to dig myself out because i'm not it's like i make a plan and then i don't stick to it so i'm i'm really trying i can see because this is just built up and i see like I mean that's been too many years yeah I'm really really trying to make my plan and actually do it so that's where I'm at right now is like and that's why I'm doing the rover thing because I'm just really trying to get out of it like yeah you're about to bust your work a billion hours a week yeah hours that don't even exist you're going to be working yeah so thankfully with rover it's been doing very well and I don't have to put too many hours into it to be profitable At the moment, per hour, I did like a whole thing with it.

23:02It is about$33 an hour whenever I do it. So thankfully, it works out pretty well. I'm still trying to balance having a full time and doing that at the same time. My Saturday, I do Rover the entire day. Sunday, I'll do as many as I can. I have a Rover client later that I'm doing. so every single time that I get a request I'm taking it because I really actually want that to be my full time my aunt does it in Houston and um she actually makes six figures because she has a house I don't want to make six figures because I just can't at the moment like it's she has a home so it's possible because um boarding is the best thing that you can do with Rover I can't really board too many dogs because I have an apartment so I can't board too many But what I'm hoping is I have a plan for how much money I can allocate until October to certain credit cards.

23:59And then I'm hoping that I can keep allocating until January. And then in March, I'm hoping that I can move into a different place that has a backyard so I can actually board more dogs. Okay, we'll hear your plan and see if it's good or not. Okay. Now, on your Capital One, zero bucks. So you just don't hold balances on there Or you paid that off through a consolidation? Yes, that is the one that I paid with the personal loan Okay, so you didn't pay it off You just transferred it somewhere else Correct Now we also have Synchrony Classic This is a real good story about Bronx and his dad Ryan Real United Airlines customers We were returning home And one of the flight attendants asked Bronx If he wanted to see the flight deck And meet Captain Andrew I got to sit in the driver's seat I grew up in an aviation family, and seeing Bronx kind of reminded me of myself when I was that age.

24:54That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. One of my first credit cards maxing out when I was really bad at 20. That one is the, I believe that's the care credit is the synchrony. Because I have a synchrony savings account, and then I have a synchrony, like care credit is synchrony. Oh, this was your high-yield savings, yeah. Okay, cool, cool, cool. And, of course, there was nothing in there. Yeah. Because that was something I just recently...

25:29I pretty much stopped everything when I realized that we should have a conversation. I was like, I'm just going to kind of pause and just talk to you, see what you think. So then we have a Costco card. Yes. And it was not the best decision. That's a lot of debt for a stupid Costco card. Yeah. $3 ,984.93. Jeez, with a minimum monthly payment of$99.92. Actually, I don't even know. No, the upgrade, we didn't even talk about it. It was$4 ,000 and$280 minimum monthly payment. What's the interest on upgrade? Honestly, I really don't know. How do you not know? Well, because to pull it up, it's really hard, and I signed up for it, I think, last year.

26:18I really don't know how to pull up the statement. I was trying to pull up a statement. You didn't know the interest when you got into it? I did, but I just don't know it now. Do you know the range? I can tell you how much I need to pay and what the monthly payment is, and you could do some math if you want. I really, really don't know. I wish I did. I really tried to look at it before I came, but I could not find it. What's the point? You only put$200 towards it, but you're making$62.11 to purchase on your Costco card. This is something I will never understand And it's some stupid beauty place In some Well good RX and then after Pay you're paying with the credit card You're just what's the point we're not making Progress if we're just being stupid Yeah this doesn't make sense And you lost $60 of interest on this essentially Oh wait yeah 60 bucks So why are we spending on this It doesn't make sense with a Nah what's the interest rate.

27:15It's 18. I have all of them right here. No, it's gone up. Or it's like 19. Interest rate has gone up. It's almost 20%. Where are they? I mean, I'm seeing it right here. It's almost 20%. So why are we doing that? Because we're talking ourselves into dumb stuff. Because I really know. Like, I know what you're saying. You found it out at 22. We decided, okay, we're not really going to think about it. And I can understand that there's a mental point there in terms of just, like, waking up to it. But even if you know it, why are you still spending money on it? Especially if you've been watching this channel and if you've been watching Graham Stephanie if you've probably been watching others why come on this was like last month this was last month some of it was yeah why come on give me a reason not just like because we're trying to learn no I mean I definitely take I can't really give you a reason because I just take full responsibility of just doing stupid it's good but if we can't get to a reason then it's how do we overcome doing it in the future that's what I struggle with if we don't know why then how do we prevent?

28:17I guess sometimes I think that I know more. I don't really know where am I crying? Can you cut it real quick? Yeah, that's fine. You okay? Like It's okay. Like I really want to.

28:48The reason I dig in is for a very specific reason. To one, make sure that you fully understand the direness of the situation so that people can put a fire under their butt to do what is necessary to get out of it. And then the reason I push so hard to understand why you're doing something is so we can figure out a path forward to not go into that. I'm very intentional with the way I do it. It's not to beat you up specifically. No, I had to explain to my boyfriend because we were watching an episode and he was like, why is he so mean? And I was like, you just have to tell these people like the truth.

29:29Like because they if you don't if somebody's not telling you the truth, like you're not going to hear it. Yeah, I don't want to enable anyone. I definitely get it. I have a sensitivity to authority sometimes. Not saying that you have authority, but we're having this conversation. Oh, my God. It's okay. I'm sorry, dude. There is nothing to be sorry about. I am also a crier. It happens. It is a part, okay, it's not that I want you to cry, but one thing that is making, one thing that I'm happy to see in a way is that you already know how dire the situation is. Yeah, like for sure. So I do not need to do what I usually do when people just do not understand what's going on.

30:31And I was hoping that. Can you talk into the microphone, please? I was hoping that you were able to understand that because I definitely take responsibility for what's happened. I'm still trying to figure out why I'm still making the decision. I guess it's just in the moment it's like as soon as I decide okay I'm going to use this credit card for this purchase in the moment it's like I don't care. My brain is like you don't care about what your goals are do whatever the f*** you want that is what happens in the moment that is what is happening and then later I'm like okay I need to fix this and then it I do fix it and then it keeps going so it's like I think I feel like I got in the habit of being able to fix it so often whenever I was younger that as I'm getting more debt I'm just not able to fix it as quickly and so in those moments whenever I'm deciding oh I'll just fix it later it's not as plausible as it was before so I'm still trying to not do that but you know I can sympathize with this in a different way absolutely for me this was my struggle at one point this was my struggle but the struggle I deal with now that I brought up is just like eating food that's bad for me and I'll be on a good diet losing some pounds here and there and then like I'm like ooh but I really want some chicken dendies with some ice cream and then I'm just like and I just do it just like you spent on a card that you already have a balance and then later I'm like why did I do this this is stupid but I already did it and it's just the discipline aspect of it something I'm getting I got better at and did with personal finances years and years and years ago and that I'm working on for my own health right now and it's something that we can get you to do for personal finances so that you can get to a better place.

32:51Yeah, I definitely want to be in a better spot. And since I sent you everything, since I figured out I really need to do this and I sent you everything, I haven't put anything else on a card. I put everything written out on here so I can have at least some kind of plan. I feel like the writing it down is really helping because writing down$3 ,000, that is not my own money that I have to give to this sucks like and i didn't even write down the balance of the upgrade one because that one is really stupid i it was a good idea at the time because it was one of those things where my interest rates on my card my cards are really bad yeah but city sucks they do not let you change your interest rate like ever i'm like that that's crazy because my mom has always had cards and she's able to like call and change them she's never had a city card um well no i mean i uh i am also on the page where i mean math wins over emotions but some people are just bad with emotions because we are essentially you know still cavemen you know mashing rocks together for fun you know that's just where we were not too long ago we're the same people we've just learned some more things since then but i am good on the mathematical side of taking a 30 interest credit card consolidating down to like 10 % personal loan.

34:1210 % is not great. Much better than 30%. That's what it was. That was like my idea. Where a lot of people fail on the emotional side though they feel like they made progress all of a sudden. They just don't attack it as hard. That's why I think from the sounds of it that's where someone like Dave Ramsey is against it. I'm still for it as long as we can mathematically justify it and emotionally understand that we still need to continue to attack it. Yeah. So that's my thoughts on the personal loans. But we also have a city card. On the city card it's a double cash back which I love. That's my oldest one.

34:45You're holding a balance on it unfortunately. 70 bucks a payment on a 1 ,500 balance but the balance actually went up after that$70 payment because essentially$32 of interest on it and then purchases of$57 on it. So we're still purchasing on the card. The interest rate is at 27.49 % and the purchases is uh rudy's yeah which a barbecue but not even like the best bar yeah and you know it's expensive so we're doing that on a car that of course we're trying to pay off then prime video as well i finally canceled that i don't even know why i had it i must have like signed up for like oh i should use this instead of some other streaming service and then i never used it i do have amazon prime Prime Video should come with that.

35:36Does it come with it? I think so. So I finally got rid of that. And a KFC tale in the pursuit of flavor. The holidays were tricky for the Colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's$4.99 chicken pot pie. Warm, flaky, with savory sauce and vegetables. It's a tender, chicken-filled excuse to get some time to yourself and step away from decking the halls. Whatever that means. The Colonel lived so we could chicken. KFC's Chicken Pot Pie The best$4.99 you'll spend this season Prices and participation may vary while supplies last Taxes tips and fees extra Got that situated Oh that was the other thing that I Don't pay for that I forgot to mention When I was talking about sodas I don't have like cable or anything so I was like Oh I'm so great I don't have cable You know so That was another thing that was kind of Adding to the fact of like Oh I don't have cable so I can buy this And I don't have those thoughts anymore but it was kind of like pushing it like you know what I mean it's not a good idea what you're saying yeah so I now I'm like just happy for the things that I don't buy and not using that as an excuse to justify buying something that I don't really need because I also have a really good rate um for my internet with spectrum because they had this really awesome thing going on whenever the pandemic came, I was paying like$25.

37:04Now I just pay 40. Cause it, it's like the next year of the thing that they were doing. I used to work there. I don't even remember what it's called. No, I got you. No, I mean, that's good. A lot of people are age. Oh, we are the same age. A lot of people just within our generation below and above us, you know, cause we're in that weird middle area. Yeah. Uh, yeah. In an internet, absolutely cable. Uh, not as much. Yeah. I I recently got YouTube TV, but... I've had it before. Like, what do you think about it? That's fine. I was like, eh. That's good. It's good for what I use it for. Oh, good. Good.

37:38Do I have, like, mascara, like, right here? Because I tried to make sure that it, like, wasn't there. You wiped it off well. Okay, great. So, this is an interesting one. This is a Discover card. This looks like where a lot of the BS spending is, which I thought a lot of it was on the checking. But, no, there's more. We started with$412, but you paid$322, so there's a little bit of a balance on it. But then we made$1 ,647 of purchases. Now, it looked like for a second, okay, maybe she comes close to paying off her balances. Does she pay off the balances? I'm not 100 % sure because there was$24 of interest charged on this with, I don't even know the interest rate on here.

38:09Probably close to like 20 to 30. I have them written in here. I just can't remember what page it's on. I wanted to make it easy because it was all at once. Well, and then there's the$53 minimum monthly payment. But what's up with this card? Why did we spend$1 ,600 on here? I'm losing interest rate on here. When you're so close to this having no balance. Yeah, I was really close to having nothing on there. I don't remember what is on there. Does it say it on the statement, like what the purchases are? We had some Home Depots. We had some Dogwood. That makes sense. Jack and Ginger's, lots of Amazon.