Delusional Dude Blames Everything On Girlfriend | Financial Audit

0:00This 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. 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. Hablas español. Spreys to Deutsch.

0:32Condénosque. If you used 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. With 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. Oh, here we go. Getting some OF. Do you know he's using OF?

1:03No. Dude's paying to jerk like every five minutes. Brand new to me. But it is the age gap, so I'm a lot more active than she is. Hi, I'm John, 25 years old. I'm Marissa, 37 years old, based out of Austin, Texas. And this is Financial Audit. First couple on here in a long time. Nice. So thanks. But just out of the gate, what's going on, guys? So for me, at least, I've really been trying to get our finances in order. it's pretty frustrating just because I do have to keep track of both of our finances and stuff like that you know our bank accounts our debts that we have to pay and our her car note which really I'm getting sick of that to be honest you know having a you know back pay and all that so you know especially with the age gap you know I feel like I'm 25 years old she should be uh in a better place than you know how did this happen how it was fine it was work yeah we were co-workers yeah and that's how it started no one was a boss right no no boss no no not at all interesting how long have you guys been together that would have been funny uh we've been almost four years now so we're saying from if i just want to make sure i understood this correctly you feel like her finances are holding you guys back as a couple uh yeah yeah what about financial choices and uh as a couple where are we um i feel like we just there's sometimes where we make bad decisions and i make bad decisions but i always seem to call us out of that i always seem to get us out of a hole and you know pull money out from somewhere i don't have it or you know sometimes i have to yeah but like overall like you know where where do we more stable yeah i think i'm a lot more responsible to be honest um well you've been doing the adult thing for like forever now sorry i just couldn't do quick math so i said forever no i mean he says the same thing all the time so i'm so old i get it all the time okay but like you've been doing this for a while why is well we'll go through the finances and we'll actually make a determination but why is he the big boy of the relationship um yeah i why why is he the adult yeah he makes better decisions than i do why he has gone he tries to go higher and pay from the time we've been together he's gone up and up and up and i haven't i've gone down um why yeah i've gone down uh making rational I had additional decisions and I left my job and then I had to get another one that was a lower pay.

3:52So that didn't help out. Yeah, that kind of, you know, blindsided me too. We had been talking about it. You know, she had some issues with her boss, but she called me one day and she's like, hey, do you mind if I, you know, quit my job, getting tired of my boss? And I was like, well, not, I mean, you have to find another job first. But, you know, I don't mind, you know, toxic environment, you know, whatever. But she said, you know, I already did, you know. And I'm like, well, then why are you calling me, asking me if you already quit your boss? Are we making financial decisions as a couple right now?

4:21Yeah. No. Not really. What are we trying to do? What's our goal? What's our future? What are we trying to do as a partnership? Are we trying to get married? Is this a long-term thing? Where are we going with this? For me, yes. Absolutely. We want the house. We want to get better. We want our credit to be better. Okay. Well, you both have things in collection. Right. For sure. Yes. How are you the responsible one, by the way? I feel like I just make more money. Okay. Okay, but what we choose to do with our money is what comes out of responsibility. Right, absolutely. Make a million bucks a year and you can be the most irresponsible guy in the face of the planet.

4:51Right, but you also got to look at everything as a whole. I'm making a lot more money, but I'm also having to spend more money helping us out or helping us with bills and past due bills. I've been getting my stuff on track. We just moved into a house that our rent isn't that much, and I've been paying myself off. But it's so much, and it's so bad. Plus, I had some things happen in the past, like with college and stuff like that. What's your current income? I make about$55 ,000 to$60 ,000 a year, depending on overtime and bonuses and stuff like that. What about you? Probably$30 ,000. Okay. Now, I have to go off this on an individual.

5:28You guys are not married. Your guys' finances are not combined, except for one card. We're on a card together, it looks like. One credit card. One. Yeah, one credit card. Why? uh i did that just so i thought i was more than capable of paying the bills but you know stuff happened and you know we split off responsible i don't i'm trying to be i really try to be but you know there's also a lot of stuff in our relationship that's separate from the finances that we've you know we've been rocking on you know we've taken a break a few times and really how many times in four years twice yeah twice yeah so it's a little so does opening a credit car together well we did that i did that before we decided to split off it's always i mean it's the most recent split and last year 2021 no last year when i moved over there the big gap oh yes he's correct that's when it was the other one was 2021 his statement of saying he has to take care of your finances and your mess and dig you guys out of the like straits of death is that correct we've let him talk we've let him give his peace is it correct yeah he has done it before i think he exaggerates about it that's where i think he exaggerates about it he thinks he doesn't he's done it more than he really has no okay and um i want to say i've done it too like i've had a bail him out of yeah but i always pay you back i always pay you back oh and then i pay you back more than what you give me because i do feel bad and i do feel you know yeah i should be i should have my own together i'm going to i mean i am are you yes i want to with everything in me paying back it's just i can't yet why because i'm not making enough now you chose that to a certain extent what is your job right now i cook i'm a cook at a nursing home okay what is your job i'm a maintenance technician assistant maintenance what was the job y 'all met at i was working at a nursing home i was i was doing valet right before covid and then i got laid off from all that so i had to i was laid off for six months i was getting that you know that nice stimulus check and all that you know that's why i got my car and all that but as soon as i they cut that off i needed to get a job and i went to go uh work at the nursing home and that's how we met all right i'm gonna give you a three two one go on go give me the household financial score i'm gonna say three two one go and you guys are gonna say the one out or zero out of ten score together at the same time and see where your heads are aligned on this what do you mean by household financial financial score so like how good are we are on our finances okay well i'm sorry let me add some context So are you the one that watches the show and you're not?

8:17Yeah, I'm the one that watches the show. Have you seen the show? I've seen a couple. Oh, okay. So I give a Hammer Financial Score free in the link in the descriptions below. Get yours for free. It's fun. But I want you zero being absolute worst, 10 being the absolute best you can be. Five is kind of like average. I'm going to give a 3, 2, 1, go. And you're going to give me the household score. Three, 2, 1, 6. 6? 6? Yeah. Really? You think you're above average as a household? I don't think so. Oh, no. I just said five was average. You think you're average? I think I'm above average, yeah. As a household?

8:52Yeah, I think we're above average. Then I would say four. We could be a lot worse. It's important to stay up to date with the latest news, especially if the news may influence your money. With that in mind, I'm excited to introduce you to today's sponsor, Ground News. I only partner with businesses I believe in or trust, and Ground News is a game changer when it comes to understanding news biases and breaking free from the influence of news algorithms. Their app and website gathers articles from around the globe, providing context on political leanings, reliability, and ownership. Take this headline on student loans.

9:24Biden administration to forgive$4.9 billion in student debt for 73 ,600 borrowers. Ground News analyzed almost 200 sources, presenting summaries from the left, center, and right perspectives based on ratings from three independent news monitoring organizations. Left-leaning sources focus on the relief for borrowers, while some center and right-leaning outlets emphasize the potential cost to taxpayers, nearly$500 billion. It's crucial to see all sides of a story, especially when it affects your money. With Ground News, you can compare headlines, check bias distribution, and even discover news not covered by one side of the political spectrum.

10:02Personally, I follow their financial page to make sure I stay in the loop with critical financial news. So go to ground.news forward slash Caleb to try it out. By using my link, you'll receive a 30 % discount on their unlimited vantage plan. The same plan I personally use to stay on top of current events. At less than$1 a month, it's a teeny tiny investment for huge insights. That's ground.news forward slash Caleb or click the link in the description below. I would say for it. I mean, we're going to go through the finances. But first, what's holding us back right now? I have no idea. That's the whole reason why I wanted to come on the show.

10:35I pay all our bills. I pay them on time. I think it's me not making enough. What about the spending when it comes to what we're making? Again, we can lifestyle and play. People can make a million dollars and spend it all. But that's what we think, right? Is you not making enough? Right. Because I don't spend a lot. I don't buy a lot of stuff. Yeah, but you don't. I do have a lot of bills. I do have loans. Yeah, I don't want to step on your foot. but all the money you do have left over goes to, you know, I don't know if we can talk about stuff like that. Yeah, of course. Yeah, you smoke a lot. So, I mean, I have nothing against it, obviously.

11:14A lot. I want you to be honest when you answer this question. More than a week.

11:23What do I do? $40? Once a week? Yes. Plus the$2,$3,$4 for Rillow's. Okay, so it was like, say$50 a week. Like, or like, babe? No. How many grams is that? I don't know. Like about a quarter. Yeah, she just goes. I don't. It hasn't been that long. A quarter of a week. So it's about. So I don't know all the. You feel pretty dependent on this? Yes, she is. It relieves me and stuff. That's, yeah. Okay, there is a certain extent where, yes, recreational, a lot of people can do it just like alcohol. but there is a certain point where people have gotten and it's the only thing I do we don't go out we don't do anything we it's all but why we don't go out because we don't have any money to go out I'm always having to pay money I'm always having to save money for the next bill that comes in and you know when you pay later in your car note yes I am but as a couple are you guys happy we fight a lot especially for the finances and stuff like that yeah that's the number one leading cause for divorce in this country is finances yeah for sure going down the path it's our biggest problem we've had right now I don't think anyone would recommend marriage and I am not the relationship expert by any means.

12:34Yeah we're trying to figure it out to be honest. But just finances specifically We want to get it right. I don't want it to be 2v1 but just from the language you've used about yourself Yeah Do you feel like the anchor of the relationship holding it back financially? Yes Okay. Yes. What have you done to change that then? For the sake of the relationship. I haven't do you just work go home and then immediately smoke and you're just like satisfied with your day i mean i take care of the house as much as i can i am working a lot right now i do about 25 to 30 hours of overtime in a week how many hours total oh she just started so she just started back in january um honestly i'm not sure uh say probably too too new 80 and then you're making in a week you're making you don't work 80 hours a week you make 30 000 i just started as well i know so we might have to take more time i'm gonna start with yours though yeah for sure the guy who uh is the good one of the relationship i try to be the bad i really do try your dad gave you eighteen hundred dollars to pay off a payday yeah yeah that was a mistake but that was when we had our break and i was being stupid it wasn't that long ago how are you how are you the responsible one of the relationship if we're taking on a payday loan the reason why a payday loan is like the worst loan you can get anywhere besides like a going into like a mobster hangout but i also didn't have good credit so it's not like i can go to into a bank and get a loan or somewhere but you need a loan but i wasn't also like i grew up in a family where they didn't have the right mindset with you know towards the money so i had to figure it all out how are you the responsible one if just recently you took out a payday loan wasn't able to pay it and your dad had to bail you out now you owe your dad money yeah how can we label you as the responsible well i try to be i just i just i doesn't matter if we're trying i just got to where i'm like my mindset that i want to be at i mean i was young i was stupid you know i used to smoke this break just happened not that long ago according to you yeah but you know i i moved into i'll you know i'm a maintenance technician so when i move into when i work at apartments i can move into the units and when we split off i moved into that unit and i moved into a unit that was way too expensive for me yeah but i mean you still owe your dad this money yeah i do yes why have you made no progress in a year because it's hard i really don't know you make decent money it's 18 it's 1 800 right 1 800 over the course of a year owed to your family he also wants to be paid in full his father he doesn't want my dad's a little that doesn't make sense though he probably could have got his money back is a lot if if you know i mean i love my dad dude bailed you out for you making a stupid decision so i don't know but 150 bucks a month he could have had his money back so he's he's just being stubborn i would say dumb about it right you're both dumb in different ways with how you're dealing with this let's be let's be real that's why we're here i mean but like but yeah that's why everyone comes on but i'm gonna give you tough love yeah but that's why i needed the bell out because i needed the money because i had a couch and i had you know i had to pay rent and we were living separate but i was still couch yeah i bought a couch yeah you don't take out a payday loan for a couch yeah no that's not an excuse i thought okay maybe you were literally gonna kick kicked out you're months and months behind on rent and they said we are evicting you no i mean my job was pretty lenient with that so yeah i know so there was no need for the payday loan but you the responsible one of the relationship took out a payday yeah but i wanted a couch like you know wanted yeah see this is see this is why i wanted to do your finances first you're also right now zip quad pain right now but that responsible one digging us out of the hole some of that stuff is like my brakes from my car and then okay oh this sorry about that yeah yeah that's really helping your car not smashing like 30 bucks though i don't give a you're the one digging out of the hole and you're the one all of a sudden going and financing does that make sense does that make sense how can we put the blame on her and don't get me wrong your finances will get to it but congratulations but you are not you try to put yourself on a high and mighty at the beginning but you are not you are financing both the home depot and then there's your car parts you're quad pain you are not the champion of finances you're both being dumb mother you're both the anchor holding back this relationship but we're deflecting blame on each other and yeah that is this is not going to work successfully financially speaking yeah the way you guys are talking about well for me like you know the jewelry and all this stuff you know i've been paying rent for how long for like almost two and a half years so you're a hundred percent taking care of rent yeah like right now yes 100 no no not 100 okay so tell me what's real so when we first moved in together i moved into her house i wasn't you know good at home whatever so i decided to move in with her we moved in for a few months then we got an apartment and we decided we're gonna go half we're gonna go half on everything yes and it was maybe two months in and she couldn't afford it anymore so for the rest of the whole lease i was paying what was it like 1200 by myself and i wasn't making that much back then uh i yes he was paying rent for that but i I was helping with other stuff we needed outside of the rent.

17:58What? What? Food. I would pick up any slack that he had. Slack? Yeah. Whatever he needed. What he needed. If he needed something done with his car. So it sounds like we were still essentially splitting the bills. We just took care of different parts. Yeah, but I also paid her back for all that stuff, too. Yeah, but he doesn't see it that way. Did you pay him back for rent, then? No. No, I have not. Absolutely not. Are you supposed to? and he agreed like it was more his idea for us to do that is that true yes but i did it then we can't hold the grudge on that if this is what we agreed upon we can't hold the grudge on that i just feel like i'm still at the point where i'm still helping out he's and it's been and it's been is that where we are yeah i'm still okay now why why have we made no progress on your end though that's why i'm concerned are we just fully satisfied we go work we do our jobs and we come home when we blaze up like again there's nothing wrong with anyone doing anything recreation in a responsible way uh from what we've talked from the language we've used in the lifestyle we're living it sounds more of a uh dependency and just life satisfaction yeah not out there getting done if he wasn't there i would definitely go get a second job would you yeah he's taking care of you though he's taking care of you financially right now even though his finances are he's still taking care of the vast majority of the bills why do you feel no obligation to contribute to the house in any way whatsoever that's what pisses me off sorry not in any way whatsoever but why not step up if have we had this conversation yes we have okay then why have you not stepped up i have now like i think i'm doing that working as much as i am what were you making before this 30 000 a year well i went from 21 pay to 17 so whatever the difference of status um when'd you go down this january was the down no november is when i left my job okay well okay and when did you land a job after that in january okay what happened between those two months for all the bills across the household i was looking i was looking looking looking for what for jobs for what kind of job uh a lot um any and every because i know pretty much like you could have picked up something in the service industry almost overnight well i'm sorry what city are you guys based off again awesome awesome oh yeah you could have gotten some overnight mickey d's a hundred percent they're i apply i can't drive down the highway without a please come work for us or we're gonna kill ourselves from service-based industries here yeah and then they pay more than what she's gonna pay now and i'm like we drive by them all the time i'm not saying the job's good i'm not saying i it's i'm not saying it's an enjoyable job i'm not saying it's a job i want you to make a career off of but it's one where things are now all of a sudden I'm putting the burden on someone else I'm going to at least kick in as much as I can By working some job That I don't like Before I get a better job I feel like that's what it was to be honest She was real comfortable You know being at home for You know two three four five weeks No I was stressed It stressed me It didn't look like it I didn't I even told you it did You're sitting there smoking No and taking care of the house as much as I can Not having you worry about But you don't work But you don't work that's what that's what makes me upset that you're not working i'm working you know eight to five eight to six sometimes and i'm work on call you know i work on call all the time that's worth all the extra overtime and i come home and i you know i gotta wash the dishes and i gotta do that stuff and it's like like really don't really have to you know we get in the fight you know about that too you know for me i'm real traditional i like to you know pay the bills and come home and not have to worry about too much and that's what you like what do you like because it's a two-way street i would like that but okay i would like it but why is that not happening then no because even if that does happen he's still gonna get on me about something he's still gonna get on me so why not just get my job sometimes but absolutely i do you know i'm not a relentless bicker yes i am okay yeah i mean i think that it's valid anyone ever appreciates that i think it's valid though like i'm not gonna say here and say it's not valid it's absolutely valid you know i've been i feel like i've held my end of the deal up and it's time for the other side but if you agree on that's how it's gonna go then there should be nothing else to say about it yeah but you also agree that you're gonna help me also so it's like why do i have to agree and why do i have to you know what i mean go with me here we'll start with you where is she letting down in this agreement in this agreement that i don't think we're fully aligned on where is she letting you down money money okay well that's not what you were just talking about there oh you were gonna pay as far as you paying oh everything yeah no the house yeah i you know we have laundry that's powered up and we got laundry all over the floor and that you know the dogs are a mess and dishes need to be washed and you know i get like that when i wasn't working well no let's do you where is he letting you down in this agreement this specific agreement that we feel like we've made um where has he failed this agreement i guess he's just bossy when it comes to it and he and if i need money and he and he doesn't agree with it it won't happen for like what give me an example for no or for other stuff too but yes um well i'm but i let me play mostly handled that no because i have a kid on that like if that's where a big chunk of your bills are personally going and he doesn't support that habit because he sees it not being productive for your past and future is it on him to support that habit no oh and i and i used to be i used to be an addict I was homeless for a little while.

23:59Really? Yeah, I was homeless. My mom kicked me out when I was 20 years old. Oh my goodness. That one year later. I would never let it get to that. Yeah. Well, I don't know. Is that... You would never let it... What does that mean though? I feel like that's what a lot of people say until it happens. Listen, this isn't like some hard drug by any means. And it is much less common for people to become addicted to the substance than many other. but just like anything that you can fall into when it comes to and a lot of other words that we're going to be bleeping from this episode even like gambling this is something that people can really just fall into and just have like their lives revolve around which you gamble I'm talking about you and smoking

24:47what was your question my head is everywhere right now I don't know. I just wanted to push back on you saying I'm never going to let it become like that because I feel like that's what everyone says until it becomes like that. I mean, I don't know the future. That's a cop. I have a supportive family as well. So I don't think they will let it get to that as well. That's not how that works though. Supportive families do interventions for people all the time. It doesn't mean they're successful. They wouldn't let me be homeless. Okay, so that's what you're saying. Okay, you owe$2 ,000. What is this It's a debt collector See it's something in collections The financially responsible one Yeah What is that I don't even know what that is I try to be Who actually gives a shit About their finances on a day to day basis Do you Why is that not demonstrated in any way whatsoever Because that's from previous stuff We'll get to your spending Yeah yeah for sure but i've been trying to get to where we need to be at the place that we're at right now i feel like we've gone through our tribulations and stuff like that and we're trying to figure stuff out yes we don't agree on everything we're not aligned though we're not aligned financially we're not financially no but we've finally gotten over the romantic side i guess we've gotten over those and now we're finally this is still the leading cause of separation right yeah like you You guys could love each other, and that's awesome.

26:17But this is like the biggest stress in our culture. Yeah. You guys do not figure this out. Get on the same page then. Yeah, and that's why we're here. That's honestly why we're here. $2 ,108 is no minimum payment because it's a debt collector. Right. All right, here's your car, yeah? Yeah, my car. At a 7 % interest rate, so nothing thrilling. Well, I co-signed with my dad on that one. He helped me out with that. Oh, great. So it would have been higher. It would have been way higher, yeah. $324.19 minimum fee payment What is the car? It's a 2019 Chrysler 300 My baby His dream car? Yeah my dream car Chrysler 300 is your dream car?

26:56Yeah Those things They're like They're It may as well It's a Hey God I want to be 22 Right? Why? Why is that your dream car? I don't care I don't care I do not care Yeah What year is it? 19? 2019 yeah I got it at 9 ,000 miles right before COVID, so it was a steal to be honest with you. I got it for $20 ,000 and it's worth about$18 ,000 $19 ,000 right now. So, in my head, that bully math works. It's the dream kind that he can afford. Basically. $324 minimum detainment. I said$300.

27:32$300,$300. I always do that. $200 or$300? $300. $324. Oh, no, the Chrysler. Yeah,$300 and$300. I always point it out. always he loves that car he said something happened in school because we have student loans what happened in school i was going to college um and i was kind of like two maybe hour and a half two hours away from austin and i was doing all right but i got into a four-wheeler accident um i had to have surgery oh my gosh what kind of surgery uh stomach surgery i have a big old scar going down my stomach i had internal bleeding i basically fell into a seven foot an eight-foot hole and I flew out and yeah it's kind of crazy to be honest so I was in the hospital for a few days and I had you know like a month or two recovery and I was so far behind I just couldn't catch up you know so I didn't have a job then my parents were supporting me and uh you know I didn't really have friends out there so it was kind of you know it was kind of difficult to be honest um so I decided to drop out and it's been kind of hard you know putting that back so well Well, it's at$2 ,539.

28:41Yeah. Yeah, I can't pay it back, but it's just... Like I said... What's your monthly payment situation on this? I haven't been paying recently, but I know it's about$50. Why have you been paying... But it's not an under-deferment, is it? No, it's not an under-deferment. You're just not paying it? He'll garnish your f***ing wages. I can pay... $50? You can pay$50! When that Biden tried to pay everybody off, you know, all their s***, You tried to do a forgiveness and it was struck down a year ago. But I signed up for that. A year and a half ago. And when I signed up for it, I was told I was going to be paid for.

29:18So I had already paid. No one said it was going to be paid for. If you followed it in any way lightly, you would know that it was immediately challenged. And then it was getting the can kicked down the road until the court decided on it. Once the court decided on it, they delayed it by another. No, see, look. Okay. No, I remember. I remember. Yeah, I remember now. It was right after COVID where I paid it off. I completely paid it off But it was a little bit And then I heard about the lawsuit And they said they can get my money back So I got my money back And then the lawsuit went away Why the f*** are you not paying$50 a month I didn't even know that That's easy to pay Financially responsible one And this is like the easiest bill ever Yeah I could pay it off I could pay it off Pay it off Just you just won i don't know i don't know to be honest with you i just i want to pay it off and i need to pay it off pay it off you're missing payments yeah okay we have a cash off spending account here is that mine yeah this is all yours right now awesome spent three thousand two hundred five dollars what is amazon rent uh i think that was uh i don't remember what that was to be honest.

30:32It might have been like a subscription or something like that. How much was it? $33.37. Oh, no. I remember what that was. That was recently. Yeah, that was for your coffee bar or whatever you wanted. Rent? Like financing? Is that what that means by rent? I don't know. Well, a coffee bar wasn't$33. No, all the little decorations she wanted for the coffee bar. Decorations? I don't give a f*** about decorations. Get out of f***. Get decorations when you get out of having a fully funded emergency fund. Where's your retirement? I don't know. Okay, that's terrifying. and you both should be terrified that the 37 year old has zero dollars in retirement where's your retirement uh i just got i just started this job not too long ago so i've been saving it up yeah what where is it i don't have i just just so it's set up but there's nothing there there's nothing there no so you've given up a half half first you've given up the first half of your best decade of compound growth to be able to retire you've given up your first and almost your second best decade compound growth meaning you need to contribute extra on a monthly or annual basis to have a chance of retirement.

31:32You don't care about retirement? Yes. I don't think she's too... If you don't care about retirement, then why have you not contributed a single cent to retirement over the years? Tight money. I don't think she's worried about it because like she said, her family's pretty well off and they do support her so much. Well off how? I wouldn't say so much. Give me some context. They're all really stable. They all... What's well off? What do you would say My aunt does I don't know She owns She owns a house She just sold a house She just bought a new house Doesn't have a Care in the world about it She's And her grandma Maybe she's like Set up for her own retirement How does that Mean you're gonna be okay For your retirement How does that mean You're gonna be set Maybe she just has enough To get her through retirement Doesn't mean she has I'm gonna pass down Would you be the one That it would get passed down too Um Probably not Then why the does this matter in any way whatsoever?

32:29Because they bail her out. They bail her out a lot. Especially whenever we're past due but your mom and then your grandmother. She doesn't agree with my life. So she doesn't. What does that mean? She says I need to get a better job. I need to pay more. I need to know. I'm too old for this. You are. She's not wrong. Or whoever said that. That's my aunt. She's not wrong. My mother didn't teach me. any my mom my mom was worse than i am let me let me give you a little congratulations on that welcome to pretty much every household in america personal financial education's almost nothing i came from a household where they knew nothing about money they've gotten better since i graduated high school and i'm very happy to see that when i was growing up there was nothing there was no lesson in fact one of the lessons i had is i wanted to be on they said open up a credit card when I was like 18.

33:23Yeah. So that is not an excuse. You are two decades since 18, essentially. That's two decades on you to be an adult, go to the library, use Google, figure something out, and you haven't. So do not blame that on them. Okay. I have, yeah. I have not done anything as far as that. What's a cash app loan repayment? I can't see what it's going to. Oh, I just borrowed money,$100. Cash app? But it's only$5 paying it back, so it's always have money. How are you possibly? How are you possibly? How are you even close to possibly the financially responsible one if you are borrowing from Cash App and paying a 5 % interest on it every single time?

34:08It's only$5, so. 5 % interest, yes! I don't see$5 is that much, to be honest with you. I don't care, it's 5 % interest, it doesn't matter either way! That's what you're gonna get putting into, like, treasuries or something, So it's just like you're just giving them free money because you're borrowing$100. What is$100 anyway? Someone making$50 ,000 a year,$100 should not be a make or break. Why are you borrowing$100 every second? Because I do feel like I have to support her. And it's like. So it's an immediate deflection under her. Yes, I do. Yes, absolutely. Absolutely. I do feel like. What do you think?

34:44I think it's crap because he makes decisions, messed up decisions without me. Like that don't involve me that aren't paying for me. That sounds like an immediate deflection. I mean, that sounds like an immediate excuse. I'm making poor financial decisions because of her. I mean, if you want to see it that way, I don't know. That's because I also, I got to pay. Like I got to buy the groceries. I've been buying groceries by myself for about three months. You're also buying Chick-fil-A and you're borrowing, getting, going to the gas station, getting some bullshit university market. you're going to the university market every day every day at your job i don't give a pack a drink you're going there every day you're borrowing a hundred dollars you if you're buying a hundred dollars we're not going to the university market every day university market university market apple subscriptions cinemark theaters i love the movie we don't go there if we have to borrow a hundred dollars literally just survive amazon digital services probably can't afford that Bivitt seats.

35:48$214. Certainly can't even come close to taking your ticket up. Little micro loans. Going and getting a drink. Going and getting a drink. Party city. Going in and getting a drink or taquitos or whatever the f***. That was at Dallas. Just because he doesn't want to take lunch. You got to take lunch. Yeah, I know. I get lazy about that, to be honest. He doesn't want to take it. Take it! Yeah. I mean, but like, I grew up that way and I grew up eating sandwiches. She couldn't use that excuse. Neither can you. Yeah, I'm not going to lie. She gets on me about it with all the leftovers. Yeah, yeah. And she's correct on that.

36:27Yeah, for sure. But it's just so much easier. Yeah, no. No. It's easier. That's the point. It's easier. It's more expensive. That's how they get you. You can't do it. You're borrowing$100 every second of your life. And you have things going into collections. And your dad had to bail you out like a child. Amazon Prime fending machine McDonald's concessions going and getting a drink oh here we go OF getting some OF oh yeah dude's having like multiple this is why he gets away with a lot because I don't even know what he spends do you know he's using OF no this is brand new to me dude's paying to jerk like every five minutes this is brand new to me but the reason why with that is it is the age gap so I'm a lot more active than she is.

37:15But I'm so in the wrong because I smoke here and there. But it's not like it's that much. You smoke like every single week. I don't know, man. That's stuff for free. This comes out to the point. Yeah, one. Yeah, you can't get it for free. Two, it's basically, it can break down to one, one and a half times a week that you're paying. Yeah, but that was just that one month. That was just that one month. Okay. Okay, I only have access to one month So I will not accept that. No. So OF, Apple bill, Apple bill, university market, university market, OF, back at it. 20 bucks that time. To get coffee that we have at the house.

37:55No, OF is the. Oh, I'm talking about the market. Yeah. Yeah, yeah, yeah. Roku. What the. Roku. Sending money out. OF, we're back. 10 bucks that time.

38:09Sending$80 out. Checking the box. Cabo Bob's Burritos sending money out filmographer and editor who's editing this right now loves Cabo Bob's that's best that's awesome it's also best to not have to borrow$100 going in and getting a drink or taquitos or whatever taquitos we're back to the OF Panda I'm so mad if I want to go out to eat it's a fight it's a big no you go out to eat all the time distant no we do i don't know what she's talking about we do go out no you know you go out to eat you stop at the market you're essentially you're paying for that naughtiness that as well but i also feel like it's because i'm getting the the bare minimum done so i feel like i have any extra i i feel like i have the right to to enjoy myself sure you have the right to your life of course if that's how you want to look at it you have the right of course you have the right you have the You have the right to go out there and run into a pole and die.

39:14Well, I also don't. I don't want you to. And that doesn't mean it's good. But, of course, you have the right to be stupid. I just also don't want to be the only one supporting us, if that makes sense. Like, I don't want to have to. This is excuse. This is not the excuse zone. I don't. I don't want to be. I don't give a. How does that? You have to. Okay. So, you don't want to support your guys' self longer. Fine. Go on your own. But even if you go on your own, guess what? Your spending is not getting you out of this. You haven't paid your debt back in a year of what, according to your salary, should have been an easy payback yeah playstation back to of burger king what do we want five times already yes is it that much yes oh wow yeah that also can easily turn into an addiction see but very clear i just started getting into your videos right after this like around january so then i've no i've been figuring it out i haven't bought that nope that's not how this works this is the end of January this was like a second ago then you can't there is you cannot come on here and be like I just started working I'm thinking things I can say I'm on a diet if I've dieted well for two days that doesn't mean I'm on a diet I'm trying to fix it I'm trying to fix it trying to fix it is what every reality tv shows out there Tammy said uh big girl Tammy very big girl on a thousand pound scissors for four seasons she said I'm trying I'm trying until she ended up in the hospital because she was dying and then she actually took care of her so don't tell me you're trying and then your actions don't correlate with that by any means whatsoever university market burger king cricket wireless it's expensive for 109 with both of us yeah it's both of us together so and that's with insurance and all that stuff so if i were to break my phone i'd look at helium mobile i've partnered with them it's really cheap it's like 20 bucks a month take a look at it we'll email you hopefully it's better than what happened this morning with all that outage and stuff like that everybody yeah i heard couple bobs were back amazon mind you we're going through one month how many things have i been through financially responsible one financially responsible but you also got to look at all the rent and all that stuff too you know the groceries i'm not putting in the necessities i'm only calling out the okay why would i call things you have to pay too but i know it's and i'm trying to fix it i'm trying by not doing anything that indicates i'm trying shut up sending out$500 Dr.

41:39Oh Baskin It's the coffee place in Baskin Robbins Dunkin Donuts PlayStation.com Pollo's something Gaudytown, Sonic Drive Thru Texas Roadhouse JD's Appleville University Market That was a month How long did that take us to get through? Five minutes, that was a month here's your checking account 162 dollars in there we're trying for cash app 16 bucks pay with four oh i bought an apple watch oh why do you need an apple watch you don't see you don't you're borrowing hundred dollars just to survive apple watch congratulations i love it i wouldn't do it if i couldn't afford it right but you're not even wearing it no no look that's all it got stolen from, they give it to me and it was an empty box.

42:32So I got all my money back. I got all my money back. You're still paying for it. No, I got all my money back. That$98 that you put towards that? Yeah, all of it. I got all my money back. Because they delivered it empty. Did you really? Yeah, I got all my money back. Drawing from Cash App. University Market. Oh, we're back. We're doing it on both cards. All the time. Oh, something. Fanatics. Oh, that was a jersey. for what for who for a Cowboys jersey you guys suck yeah and the Lions honestly beat you let's be real the Lions actually well they didn't because if you look at the scoreboard at the end of the game you know it's kind of a W but I got that jersey for when we went did you guys even make the playoffs we went to the playoffs and we went and then you lost the first game that's hilarious we're ready to die friends yeah see you guys in the Super Bowl never in my lifetime quad pay$56 McDonald's price picks now we're gambling now we're gambling did you know he gambles price picks resurrected games going in and getting some taquitos university market university market quad pay$56 more fanatics to where to a game and lose price picks more gambling JD's and university market my gosh university market What do you buy at the university market?

43:55Every morning I get a Starbucks and a pastry. Oh, what a joke. Go to Trader Joe's, bake a thing of pastries. They're easy. They're delicious. Take them out and brew a coffee. It's easy. We have them there. They're there for him. Where? At the house? That was 45 minutes and we went through the financially responsible one. I got to call you out, man. You're making excuses. You're deflecting. You're pushing off. You're. No. Yes. But. Okay. Your scoreboard tore the math at the end. Your statements just told the math at the end. How would you possibly. How do you possibly disagree with that? How do you possibly push back against that?

44:39It was reality right here. And if you're not willing to come on and take a wake up call, then what the doing here? Because you also got to look at her money and her stuff like that. It doesn't matter what she's doing. It doesn't matter what she's doing. If your spending is like that, it doesn't matter what you - When I have to support both of us, it doesn't matter. You going to the f***ing shop and gambling and doing some OF and spending all the money on fast food is not supporting her. I don't know. I don't agree with that, to be honest. How do you not agree with that? How do you not agree that going to the f***ing university market is not supporting her?

45:11How do you agree that paying to jerk it is not supporting her? How are you agreeing that buying jerseys is not supporting her? How do you agree - Because I'm paying the rent. I'm buying the groceries. That doesn't matter. Did I call those out? Did I call those out? No. I called out the bullshit that you're spending. And you're not willing to agree? You're not willing to agree that you can't afford that? You're borrowing$100 every second of your life and paying 5 % on it because you can't afford to live. No, yeah. That I can agree with. But like I said, I do that because I feel like I get the bare minimum done.