E-Girl Is Going To Die In Poverty, Again

24:49Yeah, I guess I just get too excited when I get passionate about a new project, so I just want it to happen. And that's fair. I get that with real estate. I get that with real estate. And, you know, I've made some impulsive decisions that I'm learning, you know, to deal with. None of them have been, have negatively affected me because I'm still relatively smart about them. But yes, I at least get that concept and the mindset around it. I'm just... We're not spending including that furniture until we are out of bad debt. No more. Just prioritize. You're free to make any content you want to make when you don't have obligations to a debt company.

25:30Yeah. Right now you have obligations. They're holding you back. I guess it's just like the struggle with content creation. It's like I... Talk about it. I have had like this niche, but I want to venture into different niches and different audiences. How would you describe your current niche? My current niche is Omegle and like, what's it called? Like improv audience work. So I'll like go to the bars and I will like interview people and like make jokes and like kind of like troll. And then I'll do the same on Omegle. I'll like come up with a character. Like I'm going to be weeb. So I'm like on Omegle like saying all this weeb stuff.

26:11You know what a weeb is? You don't know what a weeb is? you're not that much older than me I found out after watching I'm 23 and you don't know what a weeb is? it's like a fan of anime it's like kind of cringe and you're like meh you know anyways but I just make up characters and then I'll go on Amigle and see how people react to them so that's what I do and I like it it's a creative process acting out as a character but it's it's just like a rinse and repeat kind of thing I do which I'm like fine with it but I want to do content that makes me feel more fulfilled on a creative level so tell me about that what do you want to do so I like production so I really like my show called drinking with jury that I haven't like done this whole year because of the money really like I've just paused it because I haven't done it since February because I can't really afford to do it right now which makes sense and um I like coming up with a production and a talk show where I like bring my friends on and like other content creators and we talk about like the industry and we talk about like it's like you put down like the like content creator wall and you just like talk like people like that's the point of my show which I really am passionate about and then I want to make content that is just more of the content I consume you know like commentary and like um like creative I don't know I don't I've had I have so many ideas but I don't have a way to execute them yet.

27:40Yeah. Don't you think you get more freedom to try those new ideas if you do not have like a$600 a month obligation to a balance you've accumulated and you continue to accumulate? I feel like the thought of credit cards has never really hindered me because I know a lot of people have really bad anxiety of holding debts and a lot of the comments I've seen you guys comment like, oh my god, I'm stressing over$1 ,000 and this girl has$11 ,000. It doesn't really put me in a state of anxiety having this debt because I know or I have faith that eventually I'll be able to take care of it. There's some...

28:23And I'm working towards it. There's some quote in the world of faith and I'm not going to get it right, but it's like faith without action is like... Did you see how much I was making last time? I also saw you putting$1 ,500 on the Apple card that's having interest get charged like crazy. But I've also paid off cards, and I've made a lot more money than last time. You've made progress, but I am not one. It's only been four months. I am not one. It's been five rounded. And you've told me that it's going to take years for me to even touch the credit card. Sure. And I've done it in four months. Listen.

28:56Five. I am not one person. I am not a person who, if I care about people, I am going to excuse bad behavior, though. I celebrated the cards you paid off like this card this is awesome this is great yeah thrilled but if we just sit here and say everything's perfect everything's fine I'm not saying everything's perfect no no no but if we don't call out what's more disastrous yeah I'm not doing my job I'm doing a disservice and I'm not doing to you what I would do to any friend or what I would want someone to do to me okay so I get what you're saying I do I want you to have more creative freedom And for what it's worth, yes, you're right.

29:35I've been incredibly blessed. And it's all thanks to these amazing people. I've been beyond blessed. But I kind of get what you're feeling. I'll be honest. In general, I actually really don't like this job. I mean, that's what happens when you take something that you have as a hobby and you turn it into a job. It feels like a job. It's a little different for me. I love these conversations. And I like working with my team and all that stuff. I don't like the online pressure. I don't like even – I'm very blessed to have an audience because it pays the bills. The number next to it gives me a lot of anxiety.

30:11There's a lot of people. And the bigger you get, the more people out there, random people you'll never meet, assume that you're some evil person who's doing whatever and all this crap. And that kind of stuff, it gets to me. It gets under my bones. So I get what you're saying. I really do. I can relate. It is really hard. I mean, like the comments I've gotten on the last financial audit I was on, it's like most they're very misogynistic. And it's very like, oh, well, she should just start only fans or oh, well, she'll find some dumb guy and he'll take her under her wing and put a baby in her. And I'm like, why are they saying that's like quote for quote when I just read recently.

30:49But it's like to the point where my therapist told me to stop reading the comments on the financial audit because it's easier said than done. You know what I mean? I can sit here and say, you can't let it get to you, but it does get to me from time to time. If I'm having a bad day and I see something that I probably shouldn't have even looked at for my own mental health, it throws me off the edge. And then I'm crying and watching PLL all night and not doing my work when I should be editing or something. Shopping is hard. Right? But I found a better way. Stitch Fix online personal styling makes it easy.

31:24I 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. I know. And especially with you, because didn't you say you just started YouTube? Yeah, it was like a year and a few months ago. Yeah. And I've been doing it for like, like consistently as a job for like three or four years. So, so make sure you're being nice.

32:00We got, uh, we've been called out correctly. So for there being some more toxic stuff in the comment section, like before it's gotten a lot better. You guys have been a lot better. And I think it's because we frame it in a different way where, I mean, it's very clear you're a bad being on here and trying to get help. so the comment sections have gotten a lot better and I really do appreciate that honestly from the bottom of my heart I really do appreciate that because I know the guests do as well because they're here to get help and they're here to help people out there so um and I am sorry that especially then before we started making that proactive effort that the comment section you can't apologize for your audience because I have people in my audience might attack people you know if I go on their show or whatever like you can't really um control I guess you can like set an example for your audience, but you can't control what your audience does.

32:47So sure. Anyways, so let's hide now. So yeah, again, I want you to get to the place where you can experiment with new content and do the content you want to do. I'm blessed. I'm doing the content I want to do. I want you to be able to do that as well. You know, I get a thrilling reward of being able to see people in the comment section and in our email and people who come back on the show or just keep us updated. You have paid off their debts and I get so excited. And I want you to have that thrill with whatever you're doing and what you want to do. Yeah. You can get there. Let's get there quicker by not putting balances on our credit cards.

33:23Okay. I can't promise you I'll be perfect, but I look alright. The only reason I don't like that, and I have to push back on that, is because you're setting yourself up for potential excuses. Don't set yourself up for excuses. No one's ever going to be perfect, but when we say that out loud, we say, oh, it's okay that I'm not perfect right now. Swipe, swipe, swipe. I've actually, I'm not going to lie. I have cut back a lot. I know it doesn't look like it, but in terms of like my thought process, when I go to like, oh, I'm so hungry. I might want to order food. I will like cook more often. You know what I mean?

33:54The good news is when you're out of bad debt, have a fully funded emergency fund, and you're contributing 20 % to your retirement. You'll want to not spend. I know. Not that. You have 30 % of your money that you can spend on whatever the you want. I don't care. We're just not there yet. So you paid this off. Again, this is awesome. I still wouldn't be doing the purchases that are on there, especially that furniture and the Uber Eats. And for everyone watching, the balance was$3 ,500. So that's good. I mean, that's really good. That's really, really good. PayPal credit. This is. You're paying people through this, right?

34:23Yeah, I pay my editors through my PayPal credit. Or I'll do my, what's it called? Not copyright sounds for my music. Yeah. I will do that through this. Can you pay this off every month? I was carrying a balance the past two months because I was in a lower time in my life. But it was$700. But now it's zero. Good. Because I started making more money this month. So I'm a little nervous having access to credit. What we do instead is we have big emergency funds to get us through those situations. But yes. Okay. So let's see here. I think we have a checking account balance. Yeah. You're just under$500.

35:02I'm squinting because I'm trying to see. PayPal stuff some Ikea probably from the moving Ikea Mooney's Burger Dutch Bro okay so remember almost every single day on that Apple card was you getting some eating out and then we're coming on here and we're continuing you know there's Venmo's out but look at my income income's great but we should but I get no I'm saying are you telling me nothing has come through I'm saying I get paid like a lot of different I have a lot of sources that's great but that money should be going towards paying off debt in ads has not all of it has but it should because you wouldn't have to deal with this right now i know no okay right now maybe but you're gonna have to you're gonna have to do don't you don't excuse don't excuse don't justify no because i am going to justify because you didn't need to buy the furniture you didn't listen for the furniture buying the furniture right and then when when When I moved, I didn't have my kitchen completely packed or unpacked.

36:03So I was ordering food. It's called unpack it and pack it like an adult. I know. What? You can't use your own laziness as the reason why. You know I'm not going to allow that. Come on. Come on. We know each other. You know I'm not going to allow that. But that is the reason, though. It doesn't mean it's good. Being lazy or not, that is the reason. Yeah, but like, that's a terrible reason. Yeah. And I agree. Good. Thrown gifts was a deposit. Oh. Mm-hmm. Thrown? Thrown gifts. A deposit. Okay.

36:43Chiquis? Chiquis love? What was that? I don't know. Coffee? Red Robin? Oh, the Red Robin? It's only$12 because it was my birthday. and um happy birthday pay off debt i got a free i got a burger but i had to buy a drink and tip i took an expensive drink well i tipped yeah happy birthday pay off debt uber uber lanta air oh my god oh my god i'll tell you this louis fish i'll tell you why i'll tell you why okay so my my friend was like please come to pax and i was like all right i'll try and then as my it got closer I was like I don't think I can financially do that right now and she said don't worry we'll pay for your Airbnb and all your food you just have to buy your airplane ticket because I get invited to PAX you know because I'm gaming content creator whatever um so come down to it when I was there I was like all right because I had like no money mind you I had like nothing and she she was like sorry like my sponsor didn't pay me so I can't pay for your food or anything and so we were splitting ubers which were like 40 bucks each and i was like super stressed and sad i didn't want to like pin on her because even though i made sure multiple times beforehand i was like are you sure are you sure are you sure because i don't really like to rely on people for that because like growing up like i had no one to rely on so when i got there and i had to pay it was just it was very stressful for me but um it was not my control and i want to throw her under the bus because she said she didn't get paid by sponsor stuff.

38:23And I'm puffed up in Sake House and Shug Soda and El Bistro. Like, come on, we're eating out a lot. A lot. That was for my trip. And then some games. Then we have... It's my bills account. Yeah, it's for bills. So the other one is a few... It's my spending account. We're not spending, though. I'm a little concerned. How did that not get across last time? You shouldn't be spending money on bull But sometimes I'll be Out and about and I have to spend money What? Like groceries? Did I read off a single grocer? It doesn't matter It does I guess there wasn't any grocery trips recently on that card No because I don't call out grocery trips Grocery trips are okay so I didn't call them out All that I called out was bull That shouldn't be Okay you're right I'm listening you're okay you're listening but i don't think you're gonna i don't think you're gonna do anything because you didn't last time you've made progress yes but you shouldn't have made progress twice as quick just a quick reminder that you have until the end of today to fill out the survey near the top of the description below four people will win 250 bucks that we'll send directly to you we're just trying to learn who our audience is and then we're going to be keeping you up to date with exciting things going on around here so don't forget to fill it out love you all thank you that's that's kind of unfair no it's not because you said okay yeah i have some spending whatever but i also have made twice the amount of income as last time in the video and you said it would take me years and it has if your income goes up that part will go quicker but i'm just doing relative to the money that has come in you should have gone at least the third is quick so i mean you 30 quicker but you're just putting all your money on just this isn't no these are These are bills.

40:11These are bills. But what you're choosing to do, lots of Uber trips. Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber. Is that in the August? Overdraft. Overdraft. Overdraft. Wee-woo, wee-woo. Overdraft. $10 overdraft. Let me see it. Because that might not be for me. Okay. So you overdraft for a reason, which I am not happy with. I'm not happy with that either. And fix it. Fix it is all I'm going to say. Fix that. That's stupid. more amazon fitness that's good are you still doing that thing where you go and get a bunch of needles and liquids in you um yes and no i don't do it because i don't really have to but because i don't really drink anymore but um it's good i haven't canceled the subscription that's not good i know because i tried to and they're like you need to give us a heads up 30 days so it should be next month that won't be there because i tried to cancel this previous month but then um i get i had to give it like a month advance so you bring in 10 000 bucks but then again are you setting 30 aside for taxes i was i said 20 aside no why 30 i don't think we're in the same tax bracket no because you're gonna have to pay things like self-employment taxes and everything like that.

41:31Yeah. Top tax bracket is like almost 40. So it's like, but I want you with self-employment taxes and everything. I write off a lot. Sure, sure. But wouldn't you rather be safe? I guess so. Instead of having to fork over some money that you don't expect it. Oh, you can see my savings account. It might be under there. I don't think so. I sent it. Oh, 900. Oh, yeah, my little. All right. It was more, and it was in the high yield, 4%. Is that correct? 4 % high yield? I don't know. Was it 4 %? I don't know. It was when you recommended me. Oh, before? Yeah. I use SoFi now because it's 4.5%. Will I get penalized for switching?

42:15No.

42:18$2 ,735 on rent. That's a lot. Wait, I pay half that. Good. But good, I was going to say because after you set 30 % aside for taxes, which you need to start doing, honestly, these next few months, I need to just start setting 50 % aside for taxes to catch up for the previous month or else you're going to have a scary tax situation again. I don't want you to have to pay penalties and all that stuff. And then you're going to want to start doing quarterly next year. Okay. Okay. So, good, you pay half of that. That's within your budget. Transportation, 5.8 % of your spending. Medical, and I bet it's that thing that you haven't canceled.

42:53Well, there's also the dental. Yeah, I had a fractured tooth. I feel like you're bringing in a good amount of money. It was 5.2 % of your spending. But all the extra miscellaneous stuff, which, by the way, was probably eating out all those Apple swipes. That's the big one? That says extra. Other large purchases. Something for KeyBank, Latitude, Restore. Oh, KeyBank is my car. Latitude is my old. Two men in a truck. An oil change. Clear me. $668 of Amazon. lots of PayPal and out a lot of that for work a lot for splitting things big cartel was it out oh that yeah that could have been for work splitting things yeah and then Apple charges as well so big cartel your BS food is likely actually closer to 10 % yeah but 10 % of your spending went to but in 10 % doesn't sound like a crazy amount and it's not and when you have no debt and a fully funded emergency fund it's not but guess what that's 10 % of your spending that could have gone towards debt yeah but the extra other things were like my car and stuff so they should be in the other side Do you hear me being upset about those?

43:54Yeah. No, I don't. No. Sorry. The extra stuff, then spruce, tiny aquatics. You know Don? No. Don's cool. He's the owner. I knew someone who worked there, though, who was actually a streamer. Who? Worked or works? Worked. Do you know John? No. John's pretty cool. He's like the big dude. Maybe. Because everyone there is super friendly. so I'm always talking to everyone in there but yeah I just got non-paid sponsorship I just got a bunch of plants from them and just some soil, the soil is hella expensive yeah aqua soil, definitely quite the expense then Ikea and stuff like that so I mean you spent a good amount of your money on probably about 10 % eating out and getting like drinks and stuff like that just the juices, the smoothies so again not a crazy percentage it's just that could have gone towards debt you're elongating your own pain in your own situation.

44:52That's what you're choosing to do. You'd rather have a little temporary fund now instead of getting rid of the debt aggressively and then being able to live up your life. I could be getting rid of it aggressively. And I would because then you can live your life. Then you have lower risks to try the other new shows. You can just do the things you want to do. $10 ,000 comes in. What's your portion of rent? $2 ,350 divided by... I got$2 ,735. Oh, but that may have been utilities and stuff. Oh, it might be then. So just divide that by two. It could be utilities because I just. Rent, mortgage, water, utilities, and electric.

45:27Nope, that's okay. So do you split utilities and all that stuff too? One, three, five, zero, divide it by two. One second. Do you split all that other stuff too? Yeah. Okay, then I'll just do the total. Okay. And we have to hire pest control right now because we have a scorpion infestation. I'm surprised that the landlord's not taking care of that. I know. I texted them and they said, oh, whatever you have to do to be comfortable. That's weird. I have a few properties that I've renovated and then rented out so that people, you know, they want places people would want to live before. But either way, whenever there's issues like that and stuff, I try to be, you know, really responsible and respectful.

46:00Yeah. It's a new house. It was built this year. So that's why the scorpions are there, apparently, because we did some research. It says that new houses are more likely to live in a new house. I have not seen a single scorpion. Well, if it was built under the net. I have pest control, though. Okay. So, I guess. I've done a DIY pest control, but it's not what it's done. No, probably not. Okay. I tried going the cheap route. Okay, what is internet, phone, all that? My phone bill is, I think,$100, but I'm paying for my mom's right now. How much is that? So$250. Total? My mom and my brother, yeah.

46:42Okay, and roommate pays for that. Okay, so$250 for phone.

46:54Your debt, looking at$600, essentially. $10. Yeah. Car insurance? My car insurance is$250. All right, whatever the food situation is at home and all that stuff, you're allowed to contribute$300 a month to the pile, and then you have, because I know a lot of it has to do with work and stuff like that too, I'm going to give you like, yeah, toilet paper and makeup fund, all that stuff, 200. It's usually, yeah, that's fine. Usually I do 100. I also recently, I don't get my hair done anymore. I did it myself this time with a box dye, which is so bad for your hair, but because of what you said last time, because I used to spend$400 getting it done.

47:37Oh, well, that's a lot. But I know women's hair is very expensive I did it myself And I've been drinking out less I haven't really gone out ever since And yeah What else is in your monthly thing? There are some insurances We'll call them 50 total of the lemonades My car I guess Is there a debt? Yeah I forgot to include it But I owe$11 ,000 on it So it's the same as my MX But you said I was in the better half of the loan because it was really... Oh, what's the rate? I forgot. Eight. Huh? Eight percent. Oh, you're in the point where the vast majority of your payments are going to principal, not interest, I see.

48:20I've paid most of it out, yeah. You've paid the interest, okay. I know, it's a lot. I got it when I was 19. What's the monthly payment? $400.

48:32I was going to give you$50 for something. What was that for? Makeup hair. No, that was$200. What about gas? Oh,$50 for the different lemonade insurances. Oh, yeah, because that's my pets. Yeah. I don't know how much I spend on gas because I don't really drive that much. $90 is what we had. Yeah, that was my one time I filled it up. Cancel everything else. Other subscriptions. Except for business stuff. Business stuff is good. Also, I need a business to pay my editors. How much goes into business? Let's just put it all in one for simplicity. Okay, I pay my editors 175 average per video. How many videos a month?

49:19It can range from... Let's do average. Let's say three. And then for shorts,$60 per short. So 60 times three, two. So 175 plus 60 times three.

49:38okay any other business expenses 705 no to make 10 ,000 I guess for business expenses um I guess makeup kind of plays into that I put that in your tp fund so it works or like props or anything I need to buy for like a stream I guess but 100 bucks a month with that cover yeah so let's call it then 805 and then let's You have other subscriptions and stuff for the business purposes, but you're fine as well. So that's eight to five. Let's just round it to a thousand for business. That's how much it was last time. Was it? Oh, cool. Okay. So let's add up your budget. And I get$50 more for food now because last time it was$250.

50:23Inflation, baby. Inflation, let's go.

50:29You think inflation hit that fast? you know the dollar store the dollar store is now the dollar 25 cent store did you know that no isn't that like absurd uh yeah surprised they didn't just lower the portion sizes they probably did that as well

50:56in fact there's no such thing as a five dollar foot long subway anymore Yeah, I did know that. That's been a while, though. So you easily have$5 ,500 left on a monthly basis. If you bring in$10 ,000, which this month you're definitely protected. Yes. If you're not f***ing around. Okay, okay. And you're f***ing around. So stop it. No, because my extra f***. This is a real good story about Bronx and his dad, Ryan. Real United Airlines customers. We were returning home, and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat.

51:30I 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. $5 ,000, I guess you could be like, oh, you could pay toward your debt, but I've been buying furniture, and I've also had my extra moving costs. And guess what? Stop. So$5 ,500 Dude One and a half months Apple card is done Because you're not spending A single cent on it It's literally as easy as that Sure the income Might be a little less Sometimes business expenses Might be a little more But on average Month and a half Month and a half from now Dude The Apple card is done The Amex card Is done In Just over two months And then the car I would just Because An additional two months From the one and a half Yeah so At that point we're So three and a half let's call it four months let's call it four months total just be conservative with the income fluctuating the car you're right you're on the other side of it and i was just trying to finesse things but what i want to do for you is i want to make you not have minimum payments if you don't have minimum payments you're not obligated to other people meaning you can take more risk on businesses businesses last time i wasn't i knew i was aware but this time i'm more fully aware of you wanting to venture into different things, which might take a business hit.

52:56Without those, the thousand hours you have in minimum monthly payments, we're just trying to fully get rid of them so that you don't have to worry about those things. So in another, let's just call it three months, just to be super conservative, the car is done as well. So additional three months from that. It'll take six to seven months. So that's four, five, six, seven. Okay. And then it takes, minus the debts, the thousand dollars. Also, I did not take your advice for something. I still have$4 ,000 in my Robinhood. But it's in the S &P 500. I mean, that's fine. I know. It's like I'm growing, but it's also my interest rate.

53:35It is. It is. The S &P 500 has done great this year. It's not even coming close to beating the 25 % on Apple, so it doesn't make sense. I realistically could sell it, but I'm scared to sell it because I'm scared to even touch it. Fine. Do this in seven months and you don't have to. Or make it go even quicker. That's up to you. Then from there, what I need you to do is at least a nine-month emergency fund, which is$31 ,500 in a high-yield savings account at all times, while setting 30 % aside for taxes, which we did not account into this equation. So you're right. This is actually probably going to take nine months until you're fully out of the deck because you're setting 30 % aside for taxes.

54:07Nine to ten months, and you're fully out of the deck. So that's when we're doing our next episode? Sure. Okay. And just keep me updated along the way, just like everyone else. But$31 ,000, you never ask for help along the way, though. A lot of people ask for help. You did not ask for help or advice. I feel like I feel weird asking for help because I know this is like your content. It's more than that, though. You know what I mean? Because I originally. OK, let me let me be clear. I would do this if I was not if I was if we weren't making videos because I love this. OK, because I I'll tell you what.

54:38For the first financial audit I went on, I went on the show primarily because I was going to buy your three hundred dollar little private session thing. So it wasn't public. That was a long time ago. But then I was like, I'll just ask him if I can go on the show. And then you were like, are you going to go on my show? And I was like, if I'm invited to, I will. So that's why I didn't ask for help because I don't want to take advantage of your financial. You're not. Anyone who's a guest, this is, I think for a lot of people, when they're looking through a screen, it all seems fake and all that stuff.

55:11And I get that. Well, because I know how, like I've been in so many different shows. I've been so many. We're busy, but I have a team now that helps. So we want every single guest along the process because the most rewarding thing in the world, regardless of the income that comes from this, if you get out of debt and you live your amazing life, be incredible. So not for a single second. Do you think I don't want you to think for a single second that you can't reach out for help or advice? OK, always, always, always, always, always. Please. So in an additional that was like five or six months, I need you to save up 30 ,000 hours for a nine month emergency fund.

55:44And then you're perfectly fine to 50, 30, 20, 50 % of needs, 30 % on wants and 20 % on investing. Okay. Always 30 % set aside for taxes though. People always ask me what high yield savings account do I use for my own money? Some of you know by now it's SoFi. I love them. It's great for my checking account needs. It's great for my high yield savings account needs. And right now I'm getting 4.5 % interest on my monies. I love that rate on my monies. So if you want to get a great rate like that on your monies, just check out the link in the description below. I have a paid affiliate link there. You can get bonuses all the way up to$250, and I took advantage of that, and you should too.

56:27Okay. 30 %? Yes. Okay. Fine. Because I was going to do 20, but 30 so much. In fact, if I'm not mistaken. So you're right. We had conversations about 20 last time and stuff like that. But I think our boy Graham reacted and he was like, no, she could get into a dangerous situation. She should do 30. And he called me a millennial. Yeah, you're not a millennial. I'm 23. I'm on that edge, though. I fall into neither category. Well, I want to say you're not a millennial, but you didn't even know what weeb was. Weeble? Weeb. Like what a weeb is. Like you don't know a lot of internet. I don't know. Gen Z say I'm a millennial.

57:06Millennial say I'm Gen Z. I guess you're on the edge. Yeah. I'm in that weird hybrid. So either way, that's what I think. I think in a year, if you do this right, a year, year and a quarter, fully debt-free, taxes are always paid for, and you have a nine-month emergency fund, and you can just live the best life ever. How do we know what is emergency and what's not? Emergency is like, okay, something. So let's say you always have$1 ,000 in your checking account, right? And something like a car happens or something medical happens. You know, anything like that. I know. Exactly. So when that happens and it goes above that$1 ,000 in your checking account, then you use your emergency fund to pay for it.

57:47And then, but then you don't have fun until you refill that emergency fund until it's back up to normal. And then you resume life. Okay. So it's there. It's a safety net. Car breaks down. You go buy a car. Like fully breaks down, you know. And then I buy it. I don't finance it? I would not finance. Okay. No. I don't know if it's like. again as you said with like me and my financing furniture when you're very financially savvy there's ways you can finance cars and technically squeeze out an extra one two percent on your money overall and i like doing that for the average person it's not right i don't know specifically if this is a thing with taxes because i'm not really educated on that hence why i'm on the show um but with taxes isn't it like if you have a heavy car you can write it off yes because i have It's a Land Rover.

58:35When did you buy it, though? In 2019. Definitely work with your CPA. Definitely work with your CPA. I think I mentioned that to them, but they're not really hands-on. I just sent everything over. You might need a new CPA. I might, but I'm scared. It's really hard to find one to understand social media. Well, because you have the debt on that, so you can manipulate some things with your debt. Oh, also I was going to ask how your Omegle experience was. Oh, that's right. So she convinced me to go on Amigo once, and I thought of potentially doing a show out of it. I think that you should come on my video.

59:09Sure, I'll do it. Okay. I'll do it. Way too many schlong-a-dong-a-dongs for me personally. And that was pretty much the experience. And I figured out if I'm going to make a show, probably shouldn't have things flopping all over the place. Yeah, but you would just censor it or cut it out. You want to know a live show? I do it on kick because they're not as strict if we accidentally see. If I actually see a penis, I'm like, ah, and I skip it right away I don't want to pay my employees to have to censor dongs I know, my editors have a fun time with that It was, I mean, it was whatever Yeah Not for me Okay, well, who knows Maybe you'll find love on Omegle But I'll be on your show, though Yeah I'll do that We'll do Finding Caleb Love on Omegle Finding Caleb 500 dongs on Omegle I mean, if you're into that, you can find that, too You can find anything you want on Omegle I think everyone finds that on Omegle But yeah Any final thoughts?

1:00:07Any final questions? I probably do have questions but I don't know them right now That's totally okay We're all Don't hesitate to ask Let's get you out of debt Let's get you to have an amazing life Oh our next podcast Or whatever this is This show? This is a podcast format People consume it as a podcast I do when I'm like Folding clothes I don't have any questions for the video You said Our next podcast Oh yeah when is it Whenever you want to do another update Whether that be six months or when you're out of debt I didn't know I'd be coming back so soon I won't even lie to you But I'm glad you did But you were like come on You're the third most viewed video We're friends in real life So we may as well we may as well record another episode but I'm actually really glad we did because I didn't have access to your finances before this you know obviously and hopefully we caught some lots of justification lots of things that you can get out of this a lot earlier instead of stretching this out to two to three years I agree I will try to get it done alright for Adriana making progress obviously she could be doing a lot better her hammer financial score actually don't remember from the original one curious if it raised it will be raising really soon she gets out of debt for the spending in the budget that was just insane it was insane it was insane i'll give it a one out of ten luckily it's because her income is so strong but it was still really bad debt two out of ten emergency fund at least there's something a little there one out of ten retirement a little bit in single stocks wanted to know it was s &p 500 but a little bit in robin hood one out of ten real estate not a part of the conversation yet zero out of ten so that's going to be one out of ten and don't forget to check out all the resources linked in the description below.

1:01:54They are what I use or would use in specific situations. If you want to be in an episode of Financial Audit and you're able to make it down to Austin, Texas, fill out the survey in the description below.