Dumb Blonde Can't Get Her Life Together

0:00My name is Kayla. I'm based out of Midland Texas and I'm 24 and this is financial audit. welcome on over to austin from that west texas dryness what do you do for a living i am an analytical chemist okay cool out there uh oil and the oil yeah what are we making so i make 50 um after texas cool so i bring home about like 4300 a month yes sir very good yeah and i know you're from michigan as well yes yeah you went to northern michigan university up there I did in the freezing cold. Cool. So freezing cold and snow. Yeah. 24. Pretty young. Thank you. This is a new job. Yes, sir. I just graduated college.

0:46Yeah. When did you move down? So I actually moved to East Texas. My mom, after my dad passed away, my mom wanted to like move from Michigan. So she moved to East Texas. I followed her in May. I got a job out there, but I was fired a wrongful termination i got money what really yeah you sued um uh i filed an osha whistleblower complaint interesting because i told them that they needed a fume hood it was a startup yeah um and so i was fired i had that job for about like three days three days why'd they say they fired you because i didn't fit in but then i called i was a part of a temp agency so i called the temp agency's vp that i was given to from the hr and he called the like manager of the factory and the manager reached out to the laboratory manager and he wrote this whole entire thing it looked like it was from chat gtp you know like it had like that layout but in it he said it was because I brought up a fume hood and he said that we didn't need a fume hood oh yeah dude was exposed and I was trying so hard to like he's not he doesn't have a chemistry background right so I was trying really hard to like make sure the lab was set up right make sure that his bosses were happy and then that would make that would by default like make me look good if I made him look good and then we could all look good but how much money did you get like 5 ,000 but after taxes it was$3 ,500.

2:18So not enough. Well I mean you got a good job now. You live in the middle of nowhere but you got a good job now. It's okay. Yeah. That's the biggest city I've ever lived in. $50k after taxes right after graduation. I mean there's people doing worse than you. Thank you. I appreciate that. Yeah. Now some people do better than you when it comes to your debt. You've just debt debt debted yourself. We built up the credit card debt. Took out so many private student loans. Yeah. Sally made that. I didn't I didn't have to. I didn't have to either. Like, I could have taken out the federal, but I didn't know I was first gen.

2:53I was first gen, too? What do you mean? I know, I know, I know. A lot of people are first gen. What do you mean? Listen to me for a second. Okay. Okay. So, I, yeah, but also, like, during, like, the COVID, I showed up to the financial aid office. There's no excuse. I should have done my due research. Yeah. So, you're right. I apologize. I'll just give up on that fight. Well, that was, like, two seconds. You're welcome. What? okay um yeah no i mean this is first of all i mean where when you're going to college were your parents involved at all in the conversation no okay other than my my dad who passed my stepdad actually the one that passed away he did co-sign for my student loans all most of them okay see if he was co-signing he because he doesn't he doesn't they don't they don't my family didn't graduate high school yeah yeah i'm recovered trailer trash recycled if you will so okay interesting yeah no i mean it's okay lack of education is totally okay but less is not just let's not use the i'm a first generation so i was stupid about it yeah i was first generation a lot of the people i went to were first generation like we still know federal especially since and I'll say this.

4:09Your mom has a nursing degree. Nursing degree, yes. She went back to college, though. Was that before or after you went to college? It was like right before I went to college. So technically, I guess you're right. But she didn't go right after high school. I'm not trying to diminish your compliments by saying that. Yeah. It was community college. I was the first person that went to a university. Whatever. Either way. It's still college. She still did it. She still did it. Yeah, I saw her do it while I was going through high school. Which, superhero or act essentially going and getting that nurse degree when she wasn't making anything before that really in terms of income really helped save the household.

4:45That's a side tangent. But, you know, community college you can pay for and all that stuff quite easily because it's much cheaper. Typically, at least the one that we went through and Kalamazoo Valley Community College, it's quite easy to pay for that out-of-pocket versus borrowing where I went to a four-year degree type university and that lower middle class. Kalamazoo Promise. I'm from Portage. Oh. That's different. Yeah, that's right. Exit Calamazoo. Yeah. Darn. Yeah, I know. I miss free college. I was like two miles away from having my entire tuition paid for. Yeah. Sorry, I didn't mean to remind you.

5:17I took out tens and tens and tens of thousands of dollars in student loans for a worthless degree that I didn't even get. So, either way, it doesn't matter. This isn't about me. This is auditing you. Either way, what I will say in regards to the excuse you tried to make is you did take out some federal student loans, so you knew it existed. I did at the end. it was at the end so like i mean the grants that i got i did get grants but yeah i didn't know that i thought that they just gave you i didn't know it's gonna sound real dumb i'm not even gonna you're gonna look at me like that ignorance is acceptable when it comes to a lot of finances in the united states i just like you know i didn't know that i had to apply i thought it was just like you got the loans that you got through your fafsa when you got them okay it doesn't and that that was in like your fourth year third year yeah i went to school for five years because i changed my major yeah from quite common it was a from an adjacent major too it was from a chemistry major to another chemistry major so um so what i'm just picturing and what was making me smile is just like you're going into freshman year and you're just like google student loans and like sally made that like advertised at the top of google or something and then you clicked on it yeah yes sir that's what happened well what is kind of good even though obviously we have to pay these back and it sounds like you came from a place of you know trailer trashes as what you said which screams to me probably lower income yeah i was homeless a couple of times well there we go that sounds like you making 50k after taxes that's more than anyone in my family yeah we're doing some generational changes through your chemistry degree so when i'm setting aside money to save for a new purchase like a car or a home or taxes or whatever i'm saving money for like an emergency fund i'm using SoFi.

7:00It's a 4.6 % yield on my money and it's just absolutely incredible. Why not take advantage of that free return on the money that's just sitting there? And there's great bonuses for signing up all the way up to$250. If you sign up using the link in the description below, it's literally free money. I use it. You should too. That's pretty awesome. It was a good degree to get. Yeah. Like I wish that. And I wish I could have had the conversation with me when I was 18, graduating high school. Like I wish we could go back and I could have the conversation with you and we could talk about how to go through college and get this degree.

7:29Because now, of course, you have to pay it back. I wouldn't have listened to you. Even still. Yeah. I don't know if I would have listened to myself either. But even still. I just wanted to do things my own way. Even still. I think this will still have a better return on investment in the end. Yes, sir. We just need to get this s*** taken care of now. Give yourself a score of 0 to 10. Finance score. 0.5. Okay. So, we have a credit card. I do. This obviously doesn't, this isn't, you didn't borrow this to pay the tuition at school. Nope. What built this up? When my dad passed away, I was really like depressed.

8:07That's when I got up. When was that? 2021. Okay. I was really depressed and I just started eating a bunch of fast food and like not really caring about, I didn't think I was going to live this long. This is a fast food card? No, not just that. Just like, I got really addicted to alcohol too. really yeah oh no now that's a hard one especially because i'm not on it anymore that's good but that can translate to much more dangerous substances for some people yeah yeah i mean it is a carbon away from yeah exactly that is upper upper upper for sure but the only problem is is like you know walter white isn't making your your uncle walter is making your but still like abuse is still abuse and it's like not okay.

8:51Because making your... Yeah, Walter White chemists, they're quality controlling it. Oh. There's quality control. I see what you're saying. I just didn't say it very eloquently. Sorry. How long have you been off of that? I'm glad you are. So, I mean, I am prescribed it. Was this abused? Yeah, I mean, I was abusing it through college and then after college, I was like, okay, I can take it like a normal person. And I did that. and then they wanted me after college yeah you said you just graduated i did in may i start can you just not what so okay so i graduated in may and then i started taking adderall like a normal person so 40 milligrams a day instead of 120 and i just stopped taking it about a week ago from 30 milligrams because i didn't i couldn't do real my life by just stopping it no i i know i I know, but when you said, like, you're, oh, I was really.

9:51You were hoping that it was for longer. At least a month, not a day. No, it's not been a day. It's been a week. A week, okay. That's diminishing the accomplishment. Seven days. Oh, you're right. But you said you're waning, though. You're not fully off. No, I'm fully off of it now. Oh, okay. But I had to, I was on such a, I was at such a level that, like, if I just went off of it, it would take me, like, a month to recover. Now, I mean, I've been, I mean, I've been working while I've been off of it, and it's been fine yeah how are you feeling good i honestly feel really happy i can laugh food tastes so good now it diminishes the taste of food it makes you not want to eat oh you're not even fat don't even start girl my bmi says very different yeah we'll be on my i know it's not it's not great it's not great it doesn't take into account anyway muscle but we're talking about me now we are talking about you and my tummy's a grumbling so that taco fast food i want some wendy's nugs okay okay okay wendy's isn't mad yeah but the wendy's nugs is incredible wendy's is mid but the wendy's nugs is delicious the fries are burgers you know but the nugs are incredible never tried it well then you can't talk mid well i mean i i've been like not eating out unless i'm on a date on this card there still was a purchase though which is kind of upsetting because okay there's a balance we've gotten derailed multiple times there's a balance of four thousand twenty dollars yes with 123 dollars of interest being accrued you did make a big payment more than the monthly payment which is good it's like oh we're trying to take care of our congratulations but then you go and you get amazon yeah what are we doing like if you're trying to make progress on it why are we spending on a card that we lost 1 622 in interest this year so far and 200 fees I lost that much in interest Yeah So why did I make that$45 Amazon purchase It's because I accidentally Overpaid On my credit card bill What So I thought that I cancelled The$366 payment And I put in the$400 But I didn't cancel that So Why does that mean we go spend money on Amazon I shouldn't have but it was that didn't make sense what kind of justification is that why why do we go spend money on amazon because we overpaid what overpaid fantastic great we overpaid we're paying off the credit card more i know what i know i know but it was for my mom's christmas present and i've never gotten her anything where'd the first thing even come from what kind of justification was that i overpaid because so i get a christmas gift no you're right okay that's okay i'm just very confused.

12:33I mean, Santa didn't come down and force you to spend that $43 to 63 cents. Well, I don't know about that. 32 % of interest. 32 % of interest. Okay, now we get to the fun Sally Mays. You better be overpaying on these by accident. I don't have, so because I was out of a job, I haven't paid on those because they're in the grace period. I do pay on the interest. I don't have to pay on them until May. Why are you growling? Because these are terrible and you make money and you may as well pay for it instead of spending money on. I'm trying to pay off the credit card first. Then we shouldn't be spending on it.

13:15I haven't spent on it in a really long time. Dude, I don't know. I just have the statement in front of me and you spent on it. Yeah, that's true. I mean, but I don't normally. Like I haven't spent on it in a year. $4 ,111.44 on this Sally Mae. Sally Mae Numero uno at 12 % interest rate me and yeah you're doing minimum monthly payment just the interest yes sir but you bought $4 ,000 so it still has gone up to$4 ,000 what I don't like is what is this minimum monthly payment going to be that's why I'm trying to get the credit cards paid off first yeah but what is the minimum monthly payment going to be Maximum repayment term 72 months I'm going to pay off before that Most definitely I'm going to get my private student loans paid off next year You better, I mean it's not an option I would pay it off earlier I'm just trying to figure out what the minimum This year is almost over So it has to be 100 % it will I'd pay it off early next year Either way I don't make that kind of money We'll see, you'll spend a lot of it Again, we'll get there Sally May number two.

14:28Sallie May number two is, oh my gosh,$3 ,700 and 40 cents. 47 cents. At 9.375%, so it's down, but it's still well above where federal ones are. Again, don't know what the minimum monthly payment is going to be, but right now it's 25. That's the interest that's accruing. 96 months, this one's longer. Oy, oy, oy, oy. yeah and we took out 3 ,500 but it's up to 3 ,700 yeah you look so smiley joyful which I appreciate I'm sorry this is what I signed up for I appreciate it because I feel like death but you're happy over there I wouldn't say that I'm happy I'm not going to frown on you this one's at 13.125 % well I just I couldn't smile at these numbers personally but I get it It's a defense mechanism.

15:25Oh, okay. Yeah. The Cope smile. We've seen it before. We'll see it again. 1 ,886. At least this one's a lower bounce at the higher rate. And then I have a verbal one that I have to tell you about. The friend? No, not that one. What? So I have a College Avenue one at 3 ,000, I think, and it's 16 % interest. What the? What do you mean verbal? I mean, I don't... I have the paper for it, but I forgot to bring it. What's its current payment? I don't have to pay on it until May. What was the interest? 16? I don't want to... 16%. Why'd you even get that one? Because I needed it. And Sally wasn't given more?

16:14I thought maybe it would give me a better rate. But when you saw the rate... I didn't, it wasn't that high. It's variable? When I got it, yeah. Oh, yeah. Sally's variable too sometimes. My credit's been since my dad died. What is your credit? Because my dad, 570. I was going to say maybe we refinanced these, but. Not yet. Not yet. It'll get better, trust me. Because right now I'm like basically homeless. So like. What? What does that mean? Well, I'm not homeless because like I live, I have, I live in a motel. Why? Because. Wait, when did you go to Odessa? A month ago? I've okay I've moved a billion times in my life and many times not having much money but I got a I got apartments by the apartments are more expensive than this motel no yeah I so I pay 980 so it's gonna be more expensive on there because it's more expensive for the first month and then it goes down and um I told my co-workers where I was living and they told me like yeah that's a dangerous part of town and I've been harassed since I've moved there I don't want in danger i mean i have yeah i believe the word you just said was danger yeah i mean it's not safe i think we uh in the world of english call that danger yes sir i'm sorry oh oh oh oh oh oh okay it's a phallic shaped

17:39city pay what 900 9 980 the apartments there are like 1200 1100 they're not texas prices I can tell you that much there. I found 900 hours a month for one bed, one bath in Midland. But is that with everything included? I'm not sure. And my credit score is so bad I couldn't qualify. Maybe. There was this one time that this guy knocked on my window at 1 a.m. And he was like, I don't know. I don't talk to anybody there, but he was calling me and telling me to open the door. You wanted to commute? Odessa's not far. So from what I've seen, Odessa's more expensive. yeah but i'm seeing like uh even like this like very small house for 750 i'm not saying it's gonna be luxurious but is it for everything included though well the bills are a lot out there you mean like yeah electricity and everything and then also my credit score i know but people still get places to live yeah i mean i've only been there for a month so like i said i mean it is my plan to like move it's gonna be pretty comparable but again what what scares me the most is what you talked about with potentially danger yeah and then this one sometimes the houses someone was trying to pick my locks that i i i think it builds character okay i mean you could be like dead okay that doesn't build character that ends character to a permanent existence that's true you didn't have to tell me i tell everyone come on you've watched this show i know but it's different when you hear it in person and when it's directed towards you.

19:11That's okay. It's a love. I was literally telling you not to get murdered. Like a brotherly f***. Thank you. I appreciate it. It's hard to tell. I'm just finding the different places. I'm seeing 700, 800, 900. Whether or not it's all included is going to be different. One of the places I rent out, all the utilities are included. Just with how the system

19:39works yeah i'm just i'm trying to think of the word the energy split between a couple different units uh we just throw that in the rent instead of making them pay for it separately that's fine so i mean you're just gonna have to contact them and a lot of these they might be mom pile landlords if they're not a part of like a big complex and they might be able to work with you on your credit score and you show them the job like here's my job here's my history you know it's going to take conversations it's going to take harder work but the fun fact that's not so fun is nothing ever works if you don't try yes that's true closed mouths don't get fed and good old federal student loans those will restart pretty soon as well for you because you're well what is this six months after graduation nine months after graduation so they've started no not yet i mean i technically so like yeah i graduated in may and that's when i left for like my job and stuff but i had this online class that i was finishing up so i didn't finish up until august oh so this is going to start early next year so i technically didn't graduate until august though interest is accruing yes uh 30 853 dollars can't see any of the interest rates on them because i didn't get the full rundown uh less than five perfect minimum payment is probably gonna be like 350 oh yeah probably then you borrowed 500 from a friend i did why when that was when i first moved to the area and the reason why i did it was because i had like another way of making income but it just didn't work out what um so i had a so i got into like a sugar relationship and i just didn't like that dynamic okay it's a lot more work than people let it on to be and honestly like i wouldn't recommend that anybody does it it's dangerous and you could probably make more money being a and at least you're in control of your income you know okay yeah so you don't like it so you stopped yeah that's fine i mean i was probably in like that type of arrangement for like two months yeah how much did you make not enough how much did you make um so 700 for the full two months no for the last month the first month he didn't give me anything because he was flying me out from dallas i know i know i'm bad at negotiating and talking about money.

21:52So I do want to get an MBA in the future though. Really? No, I know I do. I do. I do. I thought you were going to yell at me. Why? Yeah. I think that it would really compliment my chemistry degree. I'm not anti degrees. I know I show my boys. I love them. Of course, I talk about certifications. I, you know, I do that all the time because they're good. College degrees are also good. I just try to go about it. They're really good. Yeah. But I just try to go. it's all about how you do these different things it's not about yes this no this good this bad this it's going through things it's not as black i also like didn't like that people with a lot of money use their money as a as like power over poorer younger individuals is this in the sugar relationship yeah but didn't you sign up for it it is it is and i did um but it's just did you seek it yes okay i'm just saying like i just didn't like that i thought that i could i would be okay with objectifying myself in that way and i just wasn't yeah it's okay if you don't like it i mean i i believe consenting adults do whatever the 100 um but um of course yes i agree if anyone's using like uh power money for like you know they approach something someone and they try to use that to manipulate them yeah absolutely you did sign up for it and you you sought it okay um so i'm just saying like a lot of people think that it's not as dark as it is and it's oh sure it's a pretty dark world okay and a lot of people get a lot of flack for saying that really so okay i'll go ahead and say it it's not all sunshine's and aromas sure yeah i honestly i don't know about that life so not for me to uh say if it's good or bad but uh you borrowed 500 in front so i did why have you not paid back any of this because even after your rent still have an extra three thousand four hundred dollars um so because i didn't get my first paycheck until three weeks after I got there.

23:57When did you get there again? I got there on September, on, on October 28th. Okay. So it's been a few months. Why is she not paid back? It's just wait, October, November, December. So it's been two. So I haven't paid him back because he's not super adamant about me paying him back right away like he wants me to pay off like get the majority yeah he's just a good person we've been friends for years cool no that's great i i like that i i would honestly do something similar if i lent friend money and i would honestly probably gift it i have paid him back a hundred dollars of it so it's 400 now or it was 600 okay no it was 500 now it's 400 okay Okay, cool.

24:45No, I'm totally down for that. Whatever the agreement is is whatever the agreement is. Yeah. And it sounds like he's encouraging you to do. He always does. He's such a good person. Good. Good. I like that. So, of course, we could have paid him off because, you know. I went to the National Park. Yeah, Cranes and McDonald's and what is the software fee? Who even knows? Oh, that's from the debt collector. I went. You have collections. No, once. I had one and I dealt with it. Why was it$4.95? Because it was a transaction fee. Okay. And. That was$200. Oh, that's your rent. And then TJ Maxx and Puyos Restaurant, Puyos Restaurant, Rent.

25:28Puyos. Something. Oh, yeah, yeah. I had two drinks and it was$20. And Carmarine Wire,$10. Oh, yeah, they took$10 when my friend wired me the$500 from the Zara. and then there's your 500 that you borrowed from your friend that was last month dominoes jacks but i did spend money yeah yeah you spent 20 dollars and hi sierra and chili pepper cafe chili pepper cafe yeah and and then there's your rent again so it's not like you go crazy and you're just throwing money everywhere but i i didn't have the money to do it and i shouldn't have done it It's not even that. If I owe my friend friend money, like good friend money.

26:14Yeah. You know, you pay them off. Yeah. That's just morals. 100%. I guess I don't have those. Right. Is that what you're saying? Well, your actions did not include them in that instance. I'm not saying you're a moral person. There's a lot that goes with morals. And also morals are pretty subjective anyway. So. Okay. You seem very like almost defensive. Ready to slap back on everything. i'm i'm not going to you can if you want no no no because i i know i'm just like i know that i know that you're just telling me the truth i mean remember i didn't have a dad so i need someone to tell me what's up i mean i don't know i mean it's i'm a human being there's i'm there's times where i've gotten things wrong as well it's okay but i'm also just like what's up like why there's no thoughts i'm just focused on the situation and how i can improve it and make it better like different miscellaneous 5 % like 108 bucks is what we got unknown shopping that's typically like Walmart or Amazon this was Amazon in this case 2.7 % food going out to eat 6.4 % that's higher than it should be yeah and so was the miscellaneous so was the unknown shopping which was Amazon other large purchases 12.2 % and that was a CM accounting what was that how much was it 276 oh that was the collection that i owed to charter okay that same collection i'm glad you paid and then i paid off the water i just recently paid the water bill that i owed in michigan oh jeez off i had a roommate that left not that that's an excuse it shouldn't have taken me this long but it did but then necessary food is of course less than so great difference between unnecessary groceries versus eating out oh but you said it was unnecessary i said your necessary food was more okay i misunderstood what you were saying i may have said unnecessary and i may have had a no it was my ears so again it's not insane uh now what came in is much different than what you said what came in was 2653 yeah you said 4300 comes in that's because i that's when i just started so that so you moved there in october but you didn't start till i didn't start until um november 6th and i didn't get my first paycheck until three weeks later okay so it depends on how much overtime i work i usually work about 50 hours 50 hours a week because i want to that's why i gave myself a 0.5 was because i work a lot and i can pay it off like i'm i have that ability you to do that now i can't it's not like you went insane but it's just i don't think any of that should exist with a real friend you're right because i mean that's so much more personal than a credit card and sally made the well i mean we could call her the worst names i think yep exactly yeah no sally may is evil she is evil that's sucky this so is that your plan then to stay at the motel for 800 because that's what i'll put for your rent if that's what you plan renting utilities it's um it's 980 i wait what it's 980 oh we were finding i was finding cheaper places than that for everything included yeah i don't know that's for you to contact where where have you been finding those places that it was in odessa and it was in midland what what um website were you using zillow so i don't know about zillow but i know like apartment.com like sometimes like they'll have scammers because anybody can post so what i do is i always look up the apartment complexes well these could be mom and pot you wouldn't find i know i know i know but i'm terrified of being trafficked and then like you know like i'm a friend not a lot no no you have a co-worker that could come with you to a place i'm sure that i could ask one of them yeah do that yeah it's just you know it's it's a very dangerous town no sure absolutely um like i i totally respect that fear let's look at let's look at the fear of me being murdered where i live now you know well there's that but i was gonna say let's look at solutions instead of just saying okay that's the fear and then boom that's it yes sir solutions is okay if we can find someone to come with us that'd be great someone that you can trust feel comfortable with because i respect that i respect that let's figure out ways to do it let's call them up let's vet them let's see if they have uh reputable sources of you know are there other tenants that are renting from them you know a little bit of research into them as well but then i'll look at like the websites of the apartment complexes and i'll um see that the prices are completely different from the zillow the apartment.com postings sure so whenever i tell you that they're 11 1200 i mean that they're 11 and 1200 hey i mean i've looked almost everywhere and they are 11 and 1200 trust me there weren't a ton of options it wasn't crazy because you're right there's not a ton of options it's not texas prices i don't know what you mean by that those well you that's because you live in austin exactly austin's more expensive than that so austin's expensive comparable to most u.s cities yeah no it's an expensive city absolutely um either way all i'm saying beautiful but expensive okay all i'm saying is get contact them actually contact them again nothing's accomplished unless we try so everything's impossible until we do yes sir so we're putting what was that 980 for your current rent?

31:32Okay. And utilities, because it's all included. Yes, sir. $9.80. Okay, wonderful. Groceries? Oh, and I just got a stove, too. My stove didn't work. Oh, right. I didn't even think about that for a motel. Well, no. I mean, it's a suite. So, I mean, not a suite. It's a studio. So, there is a stove. It just doesn't work. So, I got hot plates. They won't fix it? No. it's not a great it sucks I don't even have hot water like I haven't taken a hot shower I didn't know you were doing 980 I should have done a thousand we probably would have saw even more $300 for groceries $100 for toilet paper is anything else you need to survive and if things are up and down you can use a little bit of money in that fund that's left over if you have anything left over at the end of the month you might not 60 you might i did 100 for total paper fun oh is that what okay yes sir that sounds great okay um car you own your car all right my my biological dad gave it to me very cool what's the car it's a 2006 um mercury grand marquise okay how many miles um 140 it's old and it's not that many miles for how old it is 2006 140 because you are in full driving car required infrastructure out there so i'm just like yeah i mean i just got my brakes fixed and that was a thousand bucks yeah i'm gonna start thinking about a car fund so i'm just trying to figure it out but that's good though what's your car insurance i don't pay it What do you mean?

33:24My biological dad is paying it for me. Okay. What about gas on a monthly basis?

33:32Maybe. What does it say that I. 164 is what you spent in that month. Let's do 200. Okay. Phone bill. 40. Pretty good. What do you like with mint? Straight talk. Okay. They use Verizon Towers. And I'm going to medicals. Do you have any? I don't have health insurance. But you do have Planet Fitness, though. I do. No health insurance to work? I do. I don't have to. Oh. I just don't have health insurance. Because, okay. You haven't enrolled? I don't know if I should or if I should just wing it. No, you should. Should I? Yes, you should. My deductible is$3 ,800. Do they only have one plan available?

34:23that's the lowest, so that's the cheapest. That will save you a shit ton of money if something big happens, trust me. You're right, that kind of sucks for just ongoing medical appointments and prescriptions and stuff like that, but if you get a true injury, that deductible is going to be nothing compared. And that deductible will be considered basically nothing versus what could be hundreds of thousands of dollars. True, you're right. Planet Fitness is where you go. It's where I should be going. Okay, I'm going to include it in the budget because we should. $63.87. What? Nothing. Okay. Per Lego?

34:58Per Lego? I have to cancel that. That is a textbook subscription. Good. So it's like a library for textbooks. Anything else you need to survive? I have a Netflix. No, you don't? I'm going to keep it. And I'm going to tell you why I'm going to keep it. Sure. Because it prevents me from going out and doing things that would cost me more money. congratulations use youtube it's free and there's more content and it's better okay congratulations use tiktok it's free and there's more i'm also going to keep my spotify and i'm not going to go on tiktok tiktok is the downfall okay you don't have to use that but uh youtube's great okay well i'm going to keep my netflix account i'm sorry i'm not sorry but i'm going to keep it you know it's not the biggest drop in the bucket but all it is is to me is just showing what you're willing to sacrifice It's not Netflix, it's Hulu.

35:50And I have the student. Well, there's nothing on Hulu, and your student thing's going to end anyway. Hulu has a couple good shows, but other than that, it's going to... And then I also have student Spotify, but that's it for prescriptions. But that's going to end as well. I mean, when is it going to end? I don't know. When does it say it'll end after your graduation? I think mine ended a year later. Yeah, but I mean, that's still a year that I get it for bucks. Yeah, it is. No, again... And I don't have a lot of data on my phone, and I listen to podcasts when I'm at work. Yeah. So I have to download them and just...

36:25I'm not against them in general. I'm not saying that you are. I'm just explaining to you why I'm going to keep them. That's the same reason that everyone gives. So trust me, it's not like I didn't know. All I'm saying is what it's showing is what you're willing to sacrifice. And you're like, are you willing to sacrifice? Nope. Not the Hulu. I mean, I can sacrifice. I'll take off the Hulu. I'll take off the Hulu. I'm keeping my Spotify. Well, again, I mean, that probably goes in the toilet paper fund, but, like, you could do that. I'm going to. For what the toilet paper fund is. I'll get rid of my Hulu.

37:00You're right. It kind of sucks, and there's nothing on there. Okay,$4 for Spotify. Anything else you need to survive? No.

37:12People are like, oh, Caleb, you go too hard. All that stuff. I mean, this is when I got out of debt, which was worse debt than yours. I had more Sally made debt than you have. Yeah, but you had a, weren't you making six figures though when you were getting out of it? Not when I started. Yeah, but like mid, were you like in the middle? I ended up getting a sales job where the income I made was fully dependent on how hard I worked. Yeah. So I worked into the evening. I'm not saying that you didn't work hard for your six figures. I mean, that's like more, that's like about like the top 18 % of Americans.

37:42So, of course, you're working hard if you're making that for the most part. That's not what I was saying at all. So don't do it that way. No, no, no. But not when I started paying to get out of the debt. But either way, what I did is I stopped all this. It was zero. It was all sacrifice, no reward, get out of the debt so I could live the better life quicker. And that's what it's about. So it's not about being a hard guy right now. It's just about willing to sacrifice whatever is needed to get out of the bad stuff. and you are in the bad stuff. Yeah, you're right. All right, let me get your minimum monthly debt payments.

38:20Now, again, this is going to be different when the student loans kick in. And I honestly might have the lower ones paid off. Like the$1 ,000, the$2 ,000, I might have those paid before they start in May. I'm trying really hard to get out of the Credit card debt Yeah I mean I paid over half my first paycheck To the credit cards No that's great I ate from the dollar store And of course I did the Much less price effective than grocery stores I know I know I know that now But like again where I'm from The dollar store is the cheapest option I know yeah food deserts Dollar stores take advantage We have H-E-B here so yeah no you're in a town that has a grocery store yeah yeah and i it's it's it's a lot different like the prices for things are a lot different like okay minimum for you to survive including your four dollars to spotify is what nothing one thousand nine hundred forty dollars and eighty cents Now, what does...

39:34Do I have that saved up? No. I don't have a savings. Okay. Now, what that does not include is what the minimum monthly payments are going to be. That doesn't include the likely$350 a month in public student loans that will start. It doesn't include whatever the salary, may, minimum monthly payments are besides just the interest. It's probably going to be more than double. Hey, guys. So for my brokerage outside of my traditional retirement accounts, when I'm doing my single stock picks and just overall brokerage moves, I've switched over to Moomoo. And they're actually upping their bonus from$400 to up to$5 ,000 when you transfer over to Moomoo using my link in the description below.

40:12I've been using them for a few months now before I recommended them because I just want to make sure I'm recommending the best platform possible. And honestly, I've kind of fallen in love with using it. And the best part is when you deposit money into your Moomoo account and you're not ready to invest yet, you get 5.1 % on your money. So it's a pretty incredible platform to try. So feel free to try it in the link below. So I think you're really going to be more of like a two minimum to survive once everything kicks in like a 2 ,750 potentially. That's what I'm thinking. Not 100 % sure. It's hard.

40:43That's a guess. But either way, you'll still have leftover money, which is exciting. Now, what's more exciting is at this exact moment is the perfect opportunity to start taking care of it because we have an extra$2 ,359.20 left on a monthly basis. Okay.

41:07It's the 18th. Okay. Let's just, for the rest of this month, set some money aside, you know, in a one-month emergency fund, high-yield savings. Okay. And then let's just call next month, month number one. So month number one, we're saving up a one-month emergency fund. Cool. There's January. We're headed into February. What is going on in February? I will tell you. February, we pay off half the credit card. Cool. March. Credit card's completely paid off. Woo, woo, woo. April. Everything's probably starting to kick in at that point in terms of minimum monthly payments. So we're probably actually going to have$1 ,750 left over.