Bottle Girl Lives in Delusion

0:01Long day? Late night? Love putting on your makeup but hate taking it off? There's really no better feeling than coming home, getting comfy, and removing your makeup with Garnier Waterproof Micellar Water. It easily removes even stubborn waterproof mascara. None of that harsh rubbing needed, and you don't even have to rinse afterwards. It leaves skin cleansed, refreshed, and never dry. Head to Amazon to shop Garnier Waterproof Micellar Water now. I'm Kiki. I'm 24. I'm from Houston, and this is Financial Auto. What do you do in Houston for a living? A lot of things. Mainly, I'm a waitress and nightlife, and I'm also working at a law firm and with Houston School, I mean, Independent School District.

0:45Whoa. Wait, what are you doing with Houston Independent School District? I teach cinnamon, like, well, the kids are not interested in that. It's basically like a program. It's called Diet, where they have consultants come in on a 1099 contract and teach various topics like fitness, spinning, yoga. And you run the program? No, you just teach a class. Oh, you're teaching a specific class. What class do you teach? I do sentiment acting. But now I have to turn it into a social media type of thing because the kids are not interested. These are seventh graders, and they just really want to go outside.

1:21so okay and then nightlife cooking no um i'm a waitress well nightlife waitress sorry yeah okay so just working late into the night for that um what is nightlife waitresses what like at a club is that what that means they call the bottle girls but we say servers we say waitresses honestly i've been doing that for like three years so that's really like that's why i said that's like the first thing i'm kind of known for so something that's what you're known for yeah i guess like you can say that like actually yeah okay why are you known for that because it's like a kind of competition if you just say it that way because in houston that's like a i want to say since like 2020 when corona happened and everybody was out here spending their money well out here i mean in houston spending like all their money and stuff blowing it on bottles and stuff it was like the time but that was my when i first got into it too and i was just about to graduate college so it was like so you're making a lot of money how much you're making it not gonna change because at this i don't know i'm saying right now right now from the club from everything from everything from everything just what i feel like i see probably know how much you making not being being honest that i don't keep track like how because i feel like as soon as i get it It goes away Why does it go away?

2:41I spend it What are you spending it on? Personally I feel like Maybe DoorDash and bills DoorDash and Bills? DoorDash? DoorDash Now that's like My guilty pleasure That's one thing I know I have to like Delete the app And what's the other job? You gave another job The school? The law firm What are you doing in the law firm? I've been at the law firm Probably like two Almost three years I'm a supervisor Over like the litigation unit How many hours a week do you work? I'll be working. I'll be working. Yeah, how many hours a week do you work? Now, I switched, like, this, like, I just changed my work schedule literally this week.

3:19So now I'm part-time at the law firm now instead of full-time. Why? It allowed me to have more space. I'm actually making more money this way. Okay. I have, now that I'm at HISD, that's$30 an hour as a contract worker, meaning those taxes aren't getting taken off now. Next year, I'm going to be thinking about this. and then it gives me um i mean that you're getting more but not really because you have to set aside money for taxes but that's not real because you're just blowing it all but the math's not working i'm i'm okay this is my like i'm blowing it but it's not like me blowing it on like splurging it's more like you just said it was doordash that's splurging no that yeah everything else is like bills and stuff I'm obligated to pay for.

4:06To be honest, I'm not taking care of everything I should be taking care of. Why? If you're not taking care of stuff that you're supposed to take care of, why are you getting DoorDash? If you think about my hours that I work, I don't have time to cook. Have you ever heard of one of those? It's a grand new invention. It's two slices of bread. When I tell you clicking is more easier than making that sandwich? No, it is. Of course it is. Of course it is. That's where life has gotten. It's also beyond more expensive and you're not taking care of the bills, according to you. Yeah. I take care of the bills.

4:44No, you don't. I've been through your money. No, you do not. All of them. I can say not what I'm supposed to. But they get done. But I have like, I was just going to say, the rainy days come almost every day. It felt like for a long period of time. Mercury was in retrograde for like seven years if you ask me it was but a lot of that was financially your choices you're blowing it all on door dash so what the yeah mercury you did it yeah you're your own planet in retrograde i don't want to be laughing looking at this i'm not it's not funny no it's not it's not no i'm trying okay so income you have no idea and you take a contract to job because you think that's more money, even though hourly it might not be.

5:32You're just getting more hit in your account, but you're not even thinking about the money you have to set aside for taxes. Fun fact, you make too much money. You actually make$10 ,000 came in. $10 ,000 came in. Well, like I was explaining, that was a weird month because I was taking care of stuff in the club. So money had to pass through my account. That makes sense. So what was net then? How much had to go out through that pass through? How much was not yours? Probably about to keep. How much of the 10 did you get to keep? Like five. No, like six. You got to keep six. Yeah. Even still, with$6 ,000 a month, with where you'll be tax bracket wise, the money that you're getting from the contracting situation, you're going to have to pay taxes.

6:17Okay, so my question is, this is why I was asking myself, and this might be a dumb question, but this is a real question. Is it going to cancel out because of me still working a law firm? What do you mean? Because I still give taxes taken out from that job. You're getting taxes withheld from that income. You're still going to have to pay tax on your other income. Unless you're over withholding from that income, then it'll help. It'll count. Not necessarily count towards it in a way, but mathematically it can be viewed that way. Yeah. You're probably not like overly massively overly withholding.

6:49I'm only going to work at six months. What was your tax return last year? If you even did it correctly. What do you mean? Like how much I? How much came back? Or how much did you pay? Maybe you paid extra. I didn't pay. I don't know. I got money in. How much? Probably like 3K. Probably not. I don't remember getting that much. Well, if it's similar to that, then first of all, did you even claim all your income? That's a whole other question. But either way, especially with the bottle service, probably not. That's hard to keep track of. I'm going to say that right here. But now I'm being more cautious of it because I'm trying to get out of it.

7:24Out of what? Out of nightlife Why? I have so many reasons You said you're so known for it though Sounds like you make a killing At some point Like we make money As the world spends it If that makes sense So we have our slow seasons And this is like This is like Now I've seen it You know like So And then also It's very I'm about to be 25 this year I'm not trying to still be Hablas español Spreys to joich Condenos If you use Babbel you would. Babbel's conversation-based techniques teaches you useful words and phrases to get you speaking quickly about the things you actually talk about in the real world.

8:02With lessons handcrafted by over 200 language experts and voiced by real native speakers, Babbel is like having a private tutor in your pocket. Start speaking with Babbel today. Get up to 55 % off your Babbel subscription right now at babbel.com slash Spotify. Spelled B-A-B-B-E-L dot com slash Spotify. Rules and restrictions may apply. I train girls. If you don't like it, that's fine. Yeah, that's what I'm saying. I'm like over it. So the past couple of months, that's really been my drastic change in my financial situation is that me trying to like stick to my moral compass, if you can say, I had to like.

8:36What? I'll wait like the money. Like I had to stop thinking about the fast money and just pull myself out of the club, if that makes sense. But you already were basically negative on everything. So what are we doing now with even less? It was slow season when I did it anyway. So it wasn't like you still made money. Even if it was little, it was money. Are you a business owner and things aren't running as smoothly as they used to be? Well, today's sponsor just might be the solution you've been looking for. NetSuite by Oracle. Think about this. Your business was doing great, but now you're facing some tough times.

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10:22Sometimes it's just not worth it. Mathematically, I don't know. Mathematically, yeah, but sometimes it's just not worth it. Well, then you replace it with another income source, have you? Yeah. What, the contracting thing that you're not setting aside money for? No. Taxes? I do a lip injection. So what the this is a fourth job. That was kind of why I opened up time. Now I only work Monday through Thursday. So me allowing myself that time. That's why I took the two part time jobs to give myself the weekend. And it makes sense if for some reason, somehow it makes sense now. Like how you got to explain it in a way that makes sense if it's going to make sense.

11:03OK, so. OK, literally. I don't have to work nothing, but I can't go over 30 hours at the law firm because I'm part-time now. The contracts of that's$30 an hour up to 25 hours a week without the taxes being withheld. And then with the law firm, even with that, if I work 19 hours, my check going to be like 700. To me, I was about to leave the law firm. I had turned in a letter of resignation. I wanted to just do the whole HIC thing. Now I feel like that can replace the club Because Saying it all out don't make sense Oh gosh, ruin me Saying it all out It don't make sense But I only work Monday through Thursday So now I can take more clients Because I couldn't take more clients How much are you making off these clients?

11:50Right now, I just started in November But this is like You don't even have to survive Even when you're bringing in more money So how does this make sense? It makes sense to me That's not how the world works It's not about the world, it's about me You're the center of the world No But I'm the center of my life That's just how I don't know It makes sense Well what happened It's working out though How No it's not Because I'm taking more No it is not I get to take more clients Clients that you're not making any money from No no I get to take more clients If they're tipping me right now If they're zero dollars I was doing model prices So at first I was taking clients for like 150 That was like consistent Now I slow down I'm going to be honest.

12:33I still don't even promote myself on all my content because I focus on other stuff. Content? You got to like, these days, I feel like everything is so content-based to even promote yourself. It is, but it just sounds like you have a new job every three seconds of your life. But you're not making anything anymore. You've given it all up. You've given up the actual income sources. Uh-uh. Kind of. You work Monday through Thursday. Mm-hmm. When you were making bank kind of, well, ish. Enough. It wasn't enough. It wasn't enough, but now you're making less. So it doesn't even make any sense. It doesn't, okay, to me, I think I'm taking that hit.

13:05I don't care about to you. There's also f***ing reality. I'm taking that hit so I can be uncomfortable, I guess. That was like my whole. What? It makes sense to me. I don't care how it makes sense to you. Explain it to make sense in reality. Okay, so I was complacent with the whole bottle girl thing because I was used to getting that money. So in order for me to take myself out of it, I had to make myself uncomfortable and just. What the f***? That made sense to me. And it worked. It's like reverse. No, it didn't. You're not making money. But it's forcing me to. It would work if it had results.

13:37If it had results. Thank you. It's going to get there. Well, that's just, I mean, that's just a hope. It's forcing me. No, it's not a hope. One thing about it. Okay. I'm going to make it happen. What do you mean? But you've never made anything happen other than not paying on your credit card. That just got like that. I swear to you, when I stopped, when I pulled myself out of the. All it takes is one time. And it was when I took myself out that club. That one like. What does that tell us? What does that tell us? You don't make enough money if you can't pay your bills. We start a business when it's risk adverse and we don't have a ton of debt holding us back.

14:12If we can't pay our bills, we're not doing that. We do it when it makes mathematical sense. So you agree? Oh, yeah, I agree. Then why don't you do it? And why are you continuing to do it? I'd go back to the club. I'm still there. Okay. I'd pick up more hours. I don't want to be a dream dasher, dude. I want you to build this business. But what a mature adult does First in order to take care What you rolling your eyes What the f*** you rolling your eyes about Because like What It's more it's more to it It's more to This like It's very The club is very competitive First of all like Oh my god It's not about me I can't just walk in and pick up a shit I'm not saying that But you've been successful at it Yeah But then I got tired And I lost my Wham wham wham I just got I'll have to go literally In order to For me to Dude all I'm saying is You're not paying your bills.

14:59I'm paying them. You are not paying your bills. I'm paying the ones. Okay. Let me. We haven't even gotten to the checking account. I've never seen so many overdraft things happening. It's insanity. That was coming from my savings. Yes, I know how it works. We'll get to it. It wasn't like I was. You were spending money that wasn't in your checking account, so it was automatically pulled from your savings in order to pay for it. Yes. But my check, my literally my payroll goes automatically to my savings. So it's kind of like. It's all door dash and plug. at least I was being honest about the door dash because I know that's like my you better not lie we're not gonna get anywhere if you lie the reason why I'm so intense is because I try to get through try to get through people and show them what kind of disaster they're in but you don't seem to even do you even care?

15:41I do care why? you don't seem to show it that you care I'll be honest the only main thing I care about is somewhere to sleep so I feel like that's probably it might sound crazy but all I care about is paying my rent like all I truly matter though you have if you have other bills that are important too i know yes we take care of the place we live in first and foremost because we're not getting kicked out on the street i agree with that that doesn't mean i mean it's childlike behavior giving up something that's a little tough and just saying oh we're not paying the rest of the bills it's very like job was like stressful and you just didn't like it it's just very yeah it's very time-consuming.

16:23It's more than me being clocked in. It's like literally, I don't know, but it's just like, at some point, you gotta give up. No. Welcome to adulthood. Welcome to the system we're in. I want to help people navigate the system we're in. We can sit here and be, I wish, I wish, I wish. I'm still there. That's irresponsible. It's not like I just worked last night. BJ's Wholesale Club makes holiday hosting so easy. We called in the ultimate host to talk about it. Mrs. Claus here. You think Santa has it tough delivering all over the world? Try cooking for hundreds of elves. Good thing BJ's offers low prices on all the menu must-haves, plus free same-day delivery on your first order of$100 or more.

16:59No more squeezing in trips to the store. The only squeezing here is the big guy into a suit after dinner. For terms, visit BJ's.com slash holiday and get the same great prices online as in-club. Just got off at 5 this morning. Oh, then you should be paying your bills. bills i do i just told you i pay the bills that i feel like i have to okay you know weigh them out it's a joke come on 186 minimum monthly payment and 29 of fees because we're not making the payment 57 of interest is accruing at least we didn't spend any money on there oh we can't because we're 169 over the credit card limit 2269 not angry well usually i'm not angry at people i'm angry at the debt but also you're just like you seem like you just don't give a this and you're not willing to take a responsibility you're kind of like a child so i'm i am a little upset i'll be honest past due fee 29 562 dollars of interest has been accruing this year so far why have you never paid off this card why do you not care about this credit card what's your view on credit cards it was one point where it was almost paid off like it was one point these are like this wasn't a couple purchases that got me.

18:06This was like did something massive and that got on there. You get what I'm saying? Why didn't we start working to pay it off? So what I was actually trying to say earlier before I was cut off, like you're starting to build a business. You want to build a business, right? Like I've been very blessed completely thanks to you all out there that I've been able to build a business here. I have full-time employees. I would never have gone into that without a 12 month emergency fund. I would have never gone into that. If I had bad debt hanging over my head, that the risk profile is just way too immense to go into a business like that.

18:44If you can't cover your bills and you can't cover your bills, you cover some of the bills, the, the, the, the absolutely crucial ones. So you don't become homeless, but you're not covering your other bills. You're overdrafting. It's, you're not doing this in a right way. and I want to help coach you to the point where you're doing. I want your business to be successful. I want you to be successful, but you don't do that if you do it in a stupid way and you're doing it in a very stupid way. This I can agree with. Yeah. Cool. So are you going to be mature? Yeah. Cool. Are you willing to put that shit on hold?

19:15Yeah. Make some money right now? Pay this shit off and actually take care of this for the first time in your life? Mm-hmm. Okay. So you're going to work seven days a week, including more at the club. Exactly. I just feel like the club Can be taken out the equation It can be something else put there I don't know what I'm gonna be honest Replace it with something tell me 10 to 2 clubs is getting on my nerves The after hours I can work with And it's about the way I get paid Fine replace it with something What are you replacing it with Something that's not building from the ground up You know that's hard It's hard only because What can I do I can do many things one thing I do want to lean back into is just raw serving.

20:01Like raw. Yeah. Yeah. Absolutely. Service based industries are still best retired. I'm not even going to hold you. I've been applying to like. Very skeptical. I swear. Like, but it's really about the hours. At the amount that you should, I'm a little skeptical. Ah, so you're not available for the hours that they need you. That they need. Yeah. Okay. Well, that's different. So I'll apply for like a weekend job. Because of the law firm and the HIC still. You don't work at the law firm on the weekend. No, I'm saying. But they don't. They're not hiring. They want me there on weekdays. When's the law firm?

20:31When's the law firm? That's Monday through Thursday from 8.30 to 12. And then I go to HIZ after. Now most places. And that's the club, right? No, HIZ is the school district. Sorry, sorry, sorry. And when does that start and when does it end? From 1 to 4.30. So I'm doing two part-time. You can still get like a bar shift, right? For sure. But I don't know if they're seeing that. I don't know. I will do it, but it's like. How many do you apply for on a daily basis? It's not a daily basis. It's like. Okay, you're not doing it right. If you want a job, you have to apply to jobs within that sector like it's a full-time job.

21:08You need to maximize your resume skill, maximize your interview skills through YouTube videos, through different services you can take advantage of. If you're saying you don't even apply to at least a job a day, you're failing. You're not doing it right. At one point, it was that. But this is before HIZ came along. So this is all within like the last two months. hizdi just started two days ago that's what this is all new to me up till last year like january 5th was my last normal day of life i was working the law firm full-time 10 ,795 dollars in student loans what's your degree in criminal justice okay why are we not working in that in any way whatsoever probably by the time i was about to walk across stage i decided i don't do okay but you got a degree we can at least utilize a bachelor degree to hopefully get into you know some positions and maybe customer service positions maybe sales positions maybe you know it helps us get in the door we can it probably probably got you in the law firm door um which is great i don't uh so i think we could be making better than 30 hour 30 hours an hour is not bad but this is not many hours that's what's concerning about that the law firm i was getting 20 an hour now i got my raise when i was about to quit how much it's 20 an hour still oh that's the raise yeah okay my thing is and this is why i was about to leave is because i was getting paid 1850 and i was only paying my rent just that job alone it was literally only paying my rent and that's when i got to back into my attitude of okay i can't say screw the club i gotta get back into the club that's why i'm slowly but surely back in the club now but for a minute i wasn't i'm confident with the right amount of work the right interview skills the right resumes maybe even picking up an additional certification like if you want to work with tech i can gift you one through course careers they're great um i mean there's a lot of different things yeah we can maximize those skills dude i can get you 50 000 a year we're gonna nine to five we're gonna nine to five that might not be what you want but we gotta at least take advantage we gotta kill these bills build up a fully funded emergency fund 12 months probably before you start this business endeavor.

23:15And right now, you're just like, f***ing around, just dipping in a little in these different pots. Yeah, that's the word. Yeah. I don't know. I think we need to focus up. $10 ,795 to sit alone, so what's your minimum payment? Like$125? What? I'm not paying it. I haven't been. I can be honest about that. That was supposed to be, because they've been going down on their own. So I'm thinking the government got something to do with that. What? At least I'm being honest. Are you sure you're not getting an automatic withdrawal? Where would they pull it from? It can't be from my account. Garnishing your wages.

23:50Garnishing your wages before they hit your account, potentially. I mean, that's an extreme step, but it's not unknown. It's not what I'm doing. That's not you doing something. That's them doing it to you. I haven't seen it. Do you look into your pay stubs? Yeah. You do? For sure. From everywhere? Why are you not paying this? Why are you not acting like an adult? You see how they're saying 2 % paid off, 1 % paid off? Yes, you've probably paid some money towards it at some point. That's not me. That's what I'm saying. Somebody's doing some magic right now. I was going to let the magic keep happening.

24:22And then I was going to pay some shit. Maybe Joe Biden won't come take care of that like he said he would. He tried. The Supreme Court said no. That's why I was waiting. Now, I just graduated in 22 to 1. So if you can understand, I felt like that was my business. It's like three years ago now. We just had a confrontation about my maturity. I'm being honest. Yeah, you're a child. I was not thinking about that stuff. I wasn't. Okay. I am now. So you're going to start paying? Yeah. I'm very skeptical. You're just sitting here. No, I'm being through. I don't want you to just be agreeable. I'm definitely being through right now.

24:52Why? What has changed from yesterday to the moment you're sitting right here? This conversation. About me being, I have to grow up. I feel like I haven't said enough for you to all of a sudden be like, oh, I'm going to start paying everything that I've decided never to pay. Honestly, in the past, me having to deal with all these changes recently, I had to open my eyes to a lot of stuff. Because like you said, I'm making these choices on my own. Nobody told me to go. Nobody told me to do anything. I literally did all this on my own. I'm making all these decisions on my own. They have five meetings to try to keep me at the law firm full time.

25:22It's literally me. You should have paid more. They think that$20 an hour is what it is. Well, then you say no and you'll find a better job. It's not. Yeah, it's not what it is. Oh, 2018 Mr. Beachy Mirage G4. What's the interest rate on this thing? I think 11%. Now, let me be honest. I just you say that every time because just be honest I'm just saying like okay this year I paid no that's not this year 2023 in like April that was my last time even having to pay my car note until yesterday because I paid a lot of my principal see that I was thinking about because it was that's what you mean when you got the loan you threw a big chunk of money at it not when I got it I was just at some point yeah at some point so you have to start the minimum monthly payment now yeah just yesterday now it's 140 it used to be 314 that's 11 i have a history huh i have a history with cars what i did something dumb what okay now this i can talk about it now because it was something just stupid um i got my first car 20 2019 just i needed a car because i was in college i was going to um prairie view and driving back so i needed a car i didn't even know how to drive I got the car from Carvana, I think.

26:35I was paying my monthly through, I want to say, I had a finance loan through Navy Federal. Then I got another car. I traded that in for a Cameron in, like, 2021. Now, my interest rate, because the trade-off was so, I don't know the way for it. I think that impacted interest rate. Well, something. Your credit score. Probably, my memory's not that good. Not paying on credit cards. No, no, at that time, it was not like this. your credit score yeah it was my credit score but it was for something else it wasn't for my credit card i don't know what it was for bottom line car got repoed and what's the crazy thing is i had the money the exact to the dime this was so crazy all that was in my savings i just wasn't that was the dumbest thing i've ever done in my life that was but i think it was a blessing in guys because now my car note is way less my car is cheaper than what it was but now i can actually afford my car payments so well i could afford them now because i had the money the exact i literally spent the same amount of money to get a new car the same day this was like you could have sold the car there's lots of options that could have happened that was the dumbest thing i ever did in my life with your daily interest your interest rates close to 17 17 % is death.

27:57It is death. I think it's killing. It's not even worth it. You could pay this off, man. It's$10 ,000. When I paid it off, I was looking at that. When I paid off a lump sum amount in April, it was like$9 ,000. My balance. So this$10 ,000 was already like, it just came out of nowhere. So that makes. Okay. Now this is the absolute just. This blew my mind. This is overdraft, overdraft, overdraft, overdraft, overdraft, overdraft, overdraft. I know it's pulling from your savings because you're spending money that's not in your checking account. Why is the money not in your checking account? It's just automatically going to my savings.

28:36Why don't you automatically put it into your checking account or transfer to the checking account? Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Overdrive! Overdrive! Overdrive!