31-Year-Old Immature Woman Refuses To Take Responsibility

0:00Hi, this is Alina. I am from West Hartford, Connecticut, and I'm 31 years old and this is financial audit. 31 and you're you're based in connecticut okay what do you do for a living in connecticut i am an infectious disease physician oh very cool so i'm sure that's been super super easy like nbd yeah yeah well you're 31 how long did it take to get into that position lots of school yeah so i actually i grew up in pakistan um so because of that so here you guys have like undergrad and then you do med school but in Pakistan you basically just go to med school after like high school so I did five years of medical school and so that that kind of saved me three years but I still did three years of residency I graduated in 2020 and then I did fellowship got done in 2022 but because I'm on a visa I was yeah and there were the previous government kind of like messed with the h1 visas a little bit so it slowed everything down and so for three months i was in limbo from july to september and so i was unemployed finally my my visa came through and i started working as an attending in september of 22.

1:15okay very cool what do you make now so pre-tax i make 300 a year and then there's bonuses on top highest income we've had on this show. I think bonuses on top? Yeah. What are the bonuses for? So there's two things that you can get a bonus for. There's CAUTI metrics or there's RVU-based metrics, which is RVU, which just stands for, it's basically a value unit. And essentially, if you see a certain number of patients above their cutoff, then you make a certain amount of, like, each RVU has a value. And so it's like this, like, really complicated math thing that you will make money off of. But that...

1:57What would you calculate your bonus at? So I, because I just started, I was only there for three months. I did get the quality bonus, which was, I think, for anybody who was there for the entire year, it was going to be$15 ,000. But I was only there for four months. Oh, but it's normally going to be about$15 ,000 a year? Yeah. Ish. Yeah. I mean, obviously, then tax is 25 % of that. And that hurts. But I got a third of$15 ,000. So I got$5 ,000. And then 25 % got taken out. And then RVU metric, we are a very small hospital. So we didn't see a lot of volume this year. But there is an option of pretty much you expect like$5 ,000 to$10 ,000 maybe to come up.

2:42So maybe$15 ,000,$20 ,000 above that. And when is your visa expiring? Oh, no. Now I'm good. Now I'm good. oh no yeah um so it was a different kind of visa before it was like a it was a non it was more like a training education visa and now it's more like now it's like a work visa now it's an h1 and so um it's so as long as the company keeps endorsing it okay yeah but if you ever wanted to leave the company um i could go to if i finish three years i can go anywhere three years yeah yeah and then i can actually because of what country i'm from i'm from pakistan i can actually get my green card within three to four years.

3:22So that would just eliminate the whole visa issue. Okay, very cool. Yeah. Well, so, I mean, I know a lot of people out there are thinking, why am I not subscribed and they should just subscribe? But I also know that a lot of people are like, she's making$300 ,000 a year. She has crazy bonuses. She's doing very well. But you have a mess. I know. Like crazy. Why? why well i guess you've only been in the position for not that long so it's it's like okay yeah so now it's time to start cleaning it up yeah pretty much yes so a few things happened a um me being an idiot like there's no other way to describe it classic yeah yes i'm an idiot but um so one of my the dumbest things that i did was when i got this job uh so there was also like a sign-on bonus that was promised to me and i thought i would get it when i signed on but what i didn't realize and that was 30 000 what i didn't realize was that first they were going to split it into two for the first you were going to get when you started working so within 30 days of your start date so not really a sign-on bonus and the other half you were going to get a year after you you started working so more like a retention and i didn't read the fine print because even though i had a lawyer but like he okay so you got half 15 000 yeah but taxes but but no no but when i started working it couldn't be so while i was waiting for my visa i what was the what was the distance between that time three months okay so no income um and so but when i signed my job it was in september of 2021 because the visa process takes forever and you have to like so it took me a year to get my visa um i was like oh i'm gonna be i'm gonna be a baller now i can like live my best life i should start buying attending stuff i should start like buying shoes and clothes and just be fancy why what was that mindset where that come from because i was like i'm gonna be a baller it's great because like i will say so i think um it was very dumb i'm not even gonna yeah i'm not even gonna i'm not even gonna play that game but i feel like um with covid and all that i think a lot of us like i was in the first surge and took care of people in chicago and like a lot of like really awful things happened and so i was in this ridiculous mindset like you know what you could die in five minutes because i saw like very young people and very why do anything if we could die in five minutes i know but you know so that was like my whole that was that was 2021 alina this is my dream alina we've like grown up now we're 31 and we're mature so so a year of like ridiculous spending and then then i realized i wouldn't say a year i would say six or eight months but then i realized that this transition is also very expensive i had to pay for my license my medical license it's like four thousand okay um i had to pay for um a couple other things i to pay for my like DEA license that is about a thousand and then I had to pay for my boards which was twenty five hundred and then I had to pay for another the Massachusetts like DEA situation was just like an MCSR which was like six hundred and then I also there are a bunch of things that I ended up had to pay for licenses we're talking like five percent of your income no but this was before.

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7:26Any of this happened. How long have you been working now? Now it's been six months. Why do you have debt? Because, you know, because it was a lot of debt. I actually have cleared out some of my debts already. But, yeah, I don't know. What's your take home on a monthly basis? So post-tax and post-retirement, it is... A 401k contribution? Yeah. It is$13 ,800. And then one of the reasons that I had like a lot of loans was because three months of living in Connecticut at my current place I'm living at without any income was$15 ,000 out of my pocket, which I did not have. So credit cards and loans and.

8:11Seems like a lot of choices, though. I know. This is just you choosing. Yeah. To get. I didn't. I mean, come on. I didn't. The weight. Yeah. Yeah, you can't control that, but you can control what you do in between it in terms of where your money's going. Yeah, but I had to, like, pay rent. I actually lived very leanly those three months, but, I mean. How much debt did you go into in those three months? Those three months, I would say$15 ,000. F*** you, lean. That's not lean. It was my rent. That's not lean, though. My rent for a month is$3 ,500. It's not overly expensive, but it's not lean. My rent was$3 ,500.

8:50Yeah, that's not lean. Because that's the place I was going to live in. I don't care. Live in a cheaper place. But then I would have to move again. Oh, cry. What? So the problem was I was supposed to start working. I'm trying to justify all this bullshit. No, we're not doing that life. We're not doing the justified bullshit life. Why do I not have your checking account? No, I did. I sent it to you. No. I did. 25%. Live your income. So technically fine. wouldn't go baller, as you said, on your rent right now when you're trying to get out of the disgusting debt that we haven't even touched yet. Do you want me to send you my checking out information now?

9:35Okay. All righty. Let's take a look. Okay.

9:41Yeah, this is incredible. But then, well, it's incredible the amount of money that comes in, but you start with a dollar. Yeah. I mean, I'm also trying to aggressively pay down the debt. And so, because there was one debt that's no longer there. It was like one loan that I paid out$1 ,500 and then I closed it last month. Because there were three upstart personal loans. I'm trying to aggressively pay off debt. Venmo's out$250. Goes to Starbucks. Goes to Jam City. does this, goes to Starbucks, has a subscription to Washington Post. I don't care. Hulu. Wenmo was my dog trainer because I have a little dog who's anxious.

10:31Okay, but when we're trying to get out of debt, maybe not the best time. Well, you know, the dog's anxious. I'm sure. Probably anxious from all the debt. Juggernaut. Yeah, just gotta support brown journalism, you know? Yeah. How about support you not having an endless amount of debt? Do you take this seriously at all? Yeah. It's just I find humor the best defense mechanism. Are you sure? Because I think you might find Starbucks to be the best defense mechanism in your life. Hey, Starbucks is, you know, I need my morning. Yeah, you need to not have debt. And also brew coffee. I make better espresso than they do out there for much cheaper.

11:14So I actually usually get... DoorDash. Josh, Wolfgang Bakery. That's the groomers for my dog. Again, trying to get out of debt. He's a poodle. I can't, like. Good for him. He needs the grooming. Yeah, use a$5 pair of scissors. Starbucks. Starbucks. Dude, this is endlessly going. And Uber Eats won't stop. I think, to be honest, I don't think Uber Eats that much anymore. I think maybe, like, once or twice a week. Not really. It was a few times a week. But then also Ubering and Ubering and doing a photo booth thing and Ubering and Ubering and Ubering and Ubering and Ubering and Ubering. Oh, guess what?

11:58We're Ubering. That was when I was in New York for my birthday. Yeah? Otherwise I drive. Good. Yeah, because birthdays, you know, they really care about your debt. Yeah. Starbucks, Starbucks. Pandora. Pandora. Who has Pandora? I do. Because I'm old. But who has Pandora? Well, I don't know. I just never got into, what's the one that everyone? Hotels, hotels. Klarna, great. What's Klarna? I don't have Klarna in here. Oh, I finished it. What do you have finance? What did you have finance? It was a very old purchase. I think it was like shoes, like a year old or something. It's closed. I don't have any Klarna's anymore.

12:44I still have in a firm. I had a Peloton, but I sold it. Venmoing out$880. Yeah, that was paying back a friend who loaned me money when I was poor. I'm glad you paid them back. Yeah. More dog stuff. Yep, there's your Peloton membership. Canceled because you sold it? Mm-hmm. Good. Yeah, I sold it last week. Amazon Venmoing out$300. We're Venmoing out so much money. PayPal something$417. The PayPal Jam City, Jam City Dude, this doesn't stop And this is just a single month And this is like so many freaking pages Mm-hmm Yeah Poor dog crap And I love my dog so much Yet you are trying to get out of a bad situation You're going to all these like extra luxuries That are not 100 % needed Well, his costs now have gone on Because I got him in December Starbucks, Venmo, not$250 Trainer anyway so um now a hundred dollars in the at uh atm who knows where that went um so i was doing like the cash thing like the cash envelope thing just like only spend a hundred dollars a week good dog spot that's a daycare doggy daycare stop because where is he gonna go when i'm working nine hours a day home where like everyone else's dogs are but he's gonna he's gonna poop everywhere then.

14:08Why? Train him. So I got him last week of December. He's a puppy. Three months? My dog pooped inside twice maybe when I first got him? Train him. Google some things. Venmoing out. Venmoing out. Venmoing out. Going to a spa. Yeah, that's what you need when you're trying to go on a day. I'm taking this really serious right now. I've matured going into all these things. Starbucks. Starbucks. Why will this not stop? This just keeps going. More doggy daycare. Why will this not stop? More Starbucks. He no longer goes to daycare. More subscriptions. He no longer goes to daycare. This episode is brought to you by NBA on Prime.

14:53This Tuesday at 8.30 Eastern, it's the Emirates NBA Cup Championship game on Prime. This year's quest for the cup has been building to this. The championship game. Live from Las Vegas. Not a Prime member? Sign up for a 30-day free trial to get started today. The Emirates NBA Cup Championship Game, this Tuesday at 8.30 Eastern, only on Prime. Restrictions apply. See Amazon.com slash Amazon Prime for details. Now a dog, so it was the month of February. As of March, he's trained enough to stay at home, but a dog walker comes in. You spent all your money. That's like half the price. You barely had anything at the end of the month.

15:32yeah that's uh are you really doing everything possible to get out of debt because you're spending so much of your 13 800 that comes in on a monthly basis yeah that is i wouldn't i would say that i'm trying to pay off the debt but i'm and i'm not i'm not incurring anymore i only like i only spend on my checking account i don't like use my credit cards anymore good have you chopped them up uh clearly not a credit card person they're not they're they're not i don't have them they're like sitting at home somewhere like even right now i don't have them on me do you have a savings account i do how much is in it there's i have two i i have an ally bank account that i just opened um but i'm worried that ally might fold as well there's like 150 in that because i just opened it it's fdic insured i know but i highly doubt you have more than 250 000 in any of these banks no i don't you don't have anything to worry about yeah well true it's just how much you have in savings uh 300 dollars okay but i have retirement and that is we're not pulling from that so it doesn't matter i had to when i was when i was unemployed how much i pulled 7 000 so we talked about the 15 000 you went into debt so really you spent 21 000 to live in three months yeah yeah plus you did not go lean don't throw the word lean around here some people live off of thirty thousand dollars a year lean yeah yeah but i also had to pay for all the other things that they would that from all my licensing and stuff and then yeah but we already talked about that and yeah a lot of my money ends up going in interest though oh a lot of your money ends up going to all the starbucks and doggy daycare and a rent that you shouldn't have got because it was stupid and a rent you still shouldn't have because it's 25 % of your large income where most of that should be going to pay it off this debt.

17:33Yeah, I agree. What are you doing here? Because you're trying to justify every single thing in the world. What are you even here for? So I actually, I feel like... Talking to the mic. Okay. I feel like I need a better roadmap of what to do. Thank you. um i have gotten i actually have gotten better um i know that's hey look at my credit card i went from like 530 to 570 in like a month yay but i know you're getting better it's still though from what we just looked at yes getting better like at what point is that actually a good thing like you're the progress i don't know where it was before this but it's still it only matters if you're actually in a good place yeah no i agree i i guess it's being an alcoholic can go from a bottle of liquor a day to a half a bottle of liquor a day wouldn't call that half a bottle great that's true um so i guess for me um the fact that i'm not incurring any more debts is that is a progress and that's good and then i just i just didn't so i'll be honest I didn't really understand so I always thought oh yeah if I want to pay off my credit card it's fine I can keep using it but I have to keep paying it off but I just didn't it didn't compute that that's a stupid way to get out of debt and so a lot of my like my chase card like my interest is like four hundred dollars like it's insane and so it took me a while so like really when I when I was like okay I need to like get serious I'm 31 um then I realized I have to like stop using all my credit cards which I did um and then I also realized that it doesn't matter I started doing the math how much I'm pulling from saving from retirement if I if I'm losing so much like the math isn't mathing with all the debts that I'm like incurring with all the interest and so I decided to like I still contribute but like less than I used to um and so I've slowed that down as well because I just didn't I guess I had no idea.

19:38What's your 401k contribution percentage? It used to be What is it? Right now it's 1.5%. How much is matched? It's a percentage of how long you've been working there. Right now they're matching 25%. 25 % of contributions for you? Yeah. Whatever I'm contributing they'll match 25 % of my contributions. If I contribute like a thousand they'll contribute$250 ,000. Up into how much? Up until I think$6 ,000, something like that. They'll contribute$6 ,000 or up until the$6 ,000 you put in? I think they will contribute up to, no, actually my$6 ,000. But if you work there for like five years or so, they'll do a 100 % match, but I've only been there like six months, so I've added 25%.

20:33so that's why I didn't stop the contribution because I'm getting free money from them depends what your interest rates are usually 401k match is like do it because it's 100 % return on your money because it's 100 % match but if it's only 25 % match we'll see what the interest rates are might not even be worth it in that situation oh yeah the credit card interest rates are horrible the loans aren't that bad but the credit cards are awful let's take a look so the first card We have a balance of, and this is your prime card. I can't believe you accrued this on an Amazon prime card. $5 ,802.35. Minimum monthly payment, $2 ,7812 as of right now.

21:20Yeah,$122 of interest charged this month. Let's just keep adding up your interest as well. Crazy. Yeah, the interest is a lot. It's the Outer Chase one that's super painful. You said you stopped purchasing on cards. When did you stop purchasing on cards? So there's some that are on, like, I have some auto deliveries, but I pay them off right away. Like, if it's like$20. What are the auto deliveries? Like toothpaste and stuff. I just get them in bulk. They're cheaper from Amazon. But auto deliveries, I'm seeing. And Prime Video is not an auto delivery. Yeah, that was a subscription that I didn't see.

22:007, 8, 9, 10, 11, 12, 13. So you have 13 things on auto delivery? Yeah. Trash bags, tea, iced tea. Okay, cut that. Okay. You don't need it. I will cut it. I doubt there's 13 things that you need. I actually have cut it. Toothpaste? Yeah, get it. Garbage bags? Yeah, get it. Dog food. Okay. And then poop bags. So I have cut a bunch of them though Cut all of them that you don't need And I don't even know what they are I will cut most of them Yeah the primary deal was my brother when he was there He made a count And I didn't realize And I've cut it now because I don't really Do primary deal At a 26.74 % interest So again the 401k match makes no sense At this point because it is not Beating that Yeah Now we have a Chase Sapphire.

22:56This one is really awful. Yeah, it is awful. This one hurts me. $9 ,675.89 with a minimum monthly payment of$413.33 on a monthly basis. Death, you're losing on a monthly basis$222.75 in interest. and there were fees charged of$9.11 this month. What was that for? That was a plan fee. A what? If you make a bigger purchase and they will do like a... Two are from DoorDash plan fees. That was from December. That's from December. No, it's not! Yeah, the plan... February 12th! Yeah. No, the plan fee is from recent, but the actual purchase, because I'm still paying it off. Something from DoorDash? Yeah, because it was like a big amount.

23:55Cancel it. Okay. I don't care. It's DoorDash. You don't need it. And we're looking from the last little bit. Cafeteria purchase at where you work. Pack a lunch. DoorDash. Barnes & Noble. DoorDash. dude some paw place in Amazon you are not making purchases on a card where you're losing$222 on a monthly basis right does this make sense yeah yep yep yep

24:36the reason oh my gosh they're 27.49 % interest rate so again it doesn't make sense the only reason usually I don't get angry at people. I get angry at the debt, but I'm a little angry at you because you're just justify, justify, justify, justify. Here's the story. Here's ten stories. Yeah. So... No, I mean, I agree. Oh, here's another story. It's like a dumb... It's a dumb situation. No, there's no story. 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.

25:09I 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 that'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 okay there's that story so we also have paypal credit yeah this is the one that i'm focusing on with the snowball method um it is so that's the method you're doing yeah i was i was thinking so i wasn't sure if i would i should do avalanche or snowball because i have um such high interest debt all right well we'll we'll assess we'll assess so we'll assess yeah but i basically we will assess based on that i'm paying this off right now okay minimum monthly payment 115 dollars yeah because your minimum monthly payments are stacking up aren't they uh interest charge luckily this one's nicer than the other because the balance is lower, of$10.18.

26:12Yeah, and I'm about... This one's... This statement's a little old. $36 of purchases! Stop! Can I see that? It's an Uber. Oh, that was probably by an accident because sometimes my PayPal will automatically go, but I don't really... I never use my PayPal credit card anymore. And UCA something. USA something. US. Gas maybe? Yeah, possibly. Because sometimes it'll automatically go to the credit. And then I have to reach. And this one's at 28 % interest. Stop making purchases. Car. Debt. Yes. It's a lease. A lease term. Three years. What's the lease amount? 718. No, that's your monthly payment. What's the payoff?

27:10$20 ,000 approximately. Jeff, payoff of a lease? Is your payoff to get out of the lease? I think so. I mean, that's what I have to pay within the next few years. What is this car, possibly? It's a Toyota RAV4 hybrid. Is that a nice car? Not really what the new ones are. Yeah, it's 2022. I mean, I had trouble credit when I got it, so I got it last year. I got a lease because I'm not a car person at all, and I don't know anything about cars, and I don't know anybody here. I don't know anything about cars, but I know for a Toyota whatever,$20 ,000 to pay over the course of just a couple years with a$718 minimum monthly payment on here.

27:59Yeah, it was not the best deal. It was not the best deal. But I needed an SUV because I live in a snow area. You don't need an SUV. I lived. Like I needed like an old. No, no, no. I lived in like the fifth snowiest college in the United States. And I had a sedan the entire time. You get snow tires, you're fine. And it was two wheel drive. And I delivered Jimmy John's. Justification, justification, justification, justification, justification. So I lived in a very warm climate. I've never driven in snow before. So it was scary. You learn. It was scary. Oh, it's very spooky. But you learn. Yeah. I actually.

28:33there was the nor 'easter i drove last week and my car slipped twice and i was like that's it i'm gonna die but you're driving very safely okay might need to take a driver's class if you're out there not being able to drive that should not be the fault of the rest of us who are driving around you i was driving i mean the car slipped but i was you have student loans no uh very little basically the three thousand dollars amount but they are not you cannot access them because they're from a different country um i don't have like a statement from them like and they're in my dad's name so it's like not even under your name no it's my dad's name because that's are you paying are you going to pay though so my dad paid off half of them i'm gonna pay off the rest of them but the interest is like two percent so three three thousand is what you're gonna pay yeah i just want to make sure i put it in your thing yeah and but the interest is two percent good to Yeah, so it's like every now and then I'll throw in like$200 in that because it's not even$3 ,000.

29:31It's actually in Pakistani rupees. And because our currency is doing really poorly, the number actually keeps going down. So the debt that we've gone through is the debt that you have. Yeah, that is not really real debt. It's just like, ugh. Not really real debt. Yeah, I mean, it is real debt. It's like 2%.

29:51Do you know the interest for the car that was locked in? I have no idea. The lease, I really would not know. It's raining 26. Yeah, it's going to be something really awful. But then I also have the Upstart loans, because they are those I have on my phone. I can get from Credit Karma, because I didn't know how to pull the statements from them. I had three, but now I have two, because I paid off the oldest one. So this was the one. This was the$10 ,000 loan. I paid it off February 2023. You paid this off? Yeah, just now. And then it was$10 ,000. And then I have this other one that is$7 ,000 that I'm a third paid off.

30:48The minimum payment is like$100. So$7 ,000 is left on it? No,$7 ,000 was total. Now it's 4 ,700 is left on it. What's the interest? It is. It's actually 7%. Okay. Minimum monthly payment? It's 130. So after I'm done with the PayPal. What is the interest that is accrued on a monthly basis? Already accrued. Is accruing like on a monthly basis right now?

31:157%. I mean like in terms of number?

31:21Yeah, it's 7%. and it says per month it's like$11.85. Oh, yeah. Yeah, that makes sense. Yeah. So this is actually not the worst one. You're paying. You're losing on a monthly basis. And I don't even know the car. I mean, the car is probably even worse with the deal that you're in. But just the other debts you have outside of your car and outside of the student, which is low anyway, but$367 in interest on a monthly basis you are currently losing, which on your income should not be the case. Makes no sense. There's another loan. What is it? It's another, I said upstart. There's another one. It's another upstart?

32:01Yeah. What's this for? So this was all of like basically the amounts that I didn't have any cash for. I also had to pay for moving and so it was just a lot of expenses that came out of a fellow salary. I used to make$3 ,600 a month and so that was rough paying for everything. You made over you made$13 ,000 over 48 % of Americans and you were complaining that it wasn't enough so you just went into all this debt. No$3 ,600 when I was still in fellowship as of June. I made$3 ,600 a month until June 2022. Okay. So now yeah this is the last. This is the other one. How much is left? This is a lot. This is$19 ,000.

32:48$19 ,000? Uh-huh. Death. Yeah. Minimum monthly payment? This is$450 ,000. Yikes, yikes. Yeah, so a lot of my - Interest rate? $24 ,000. Oh! $24 ,000. $24 ,000. Yes. Okay, this is it. That's it. No more? No more sneaky little hidden debt? I don't think so. Minimum monthly payments that you have, And if you were at the income you're at before, it would just be insanity. I would be like. $2 ,104.09 on a monthly basis. Yeah. Crazy amount of money. And none of that's going to anything productive. It's just things you've already done. Yeah. It's the stupidity of 2021. 16 % of your post tax. Yeah. Okay.

33:38Yeah, no, it hurts. Trust me. It hurts my soul when I think about it. does it really because you're going to starbucks and all this instead of going full priority to get out of it how much is it really hurting yeah no that's also true i just i try justified by saying that okay yeah i try to justify everything yeah that i'm saving money in the morning um the more patients i see the more money you're not saving money in the morning make espresso at home I'm saving time in the morning And time is money Coffee? Keurig? Yeah Get the cheapest$75 Keurig thing that's on a Walmart shelf Yeah, actually someone gave me a Nespresso So I will make Nespresso I actually got a bunch of Creamers and things recently Because I was like, maybe I should start making more coffee at home I haven't made them yet It's in the fridge.

34:36Okay. Okay. Okay. What's your utilities on a monthly basis? So my electric is$200. It's Connecticut. It's super expensive. Internet is like$70. Gas is around$60. Water is like$20. Phone bill? Oh, it's like$40. I have like a super cheap plan. But I also have to pay for my brother's phone. He's in college. How much? $70. Yeah, my...