Ego-Maniac Thinks She’s Hot Sh*t

0:02Get your mother-loving ears on because your big time radio DJ's got news. PayPal lets you choose how you want to pay for all the stuff. With PayPal, I can pay in-store, pay online, or pay over time. What's that? You want this translated into song? I hope you're sitting down. You can pay your own way. You keep those ears on, you hear? Don't just pay, baby. PayPal. Learn more at PayPal.com. Hablas Español. Spreys to Deutsch. Condénosque. 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.

0:42With 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. Hi, I'm Madison. I'm 24 years old from Austin, Texas, and this is Financial Audit. So what do you do here for a living 24 years old in Austin? I work for a fashion lifestyle brand based out of Austin, and I'm a part of their philanthropy team. Philanthropy team.

1:15Okay. What's your position in that? So I'm a philanthropy specialist. It's kind of like corporate CRS, if you're familiar, like corporate social responsibility. I tell people I give away my company's money, and that's a small part of it. I pay out our philanthropic partners, do a lot of in-kind donations, help with like change roundup help with raising funds must be nice to have a company that can just spend money on that type of position it's nice so what are we making this job? I make$57 ,000 okay how do we feel living on Austin in 57? I mean I think it's I'm doing well I think I'm pretty good I would obviously love more money I'd love a raise sure but I think I'm done you know i don't know great question i think that i think that i have a little debt but it's fine it's not that deep to me so which is what everyone says when they come on the show so why'd you why'd you come on the show i so i've you know i've seen your show and kind of in the comments people don't not ever they want to they want a normal good person in a financial situation comments love the feet right so i kind of feel like i'm probably you know one of the best that they've you've had on the show so i'm you know i'm here for that so yeah i don't think i'm in that much debt i'm kind of like oh it's fine it's not that deep um so everyone says i swear okay why to you does it feel like it's not that bad see and this is what normal that that word normal drives me insane because what people don't realize is you go down the street and yeah just talk to a random person about their money a normal person so what you find is what you find on this show and i think you're going to be included in that normal person so you think you're just i mean i think i'm i think i'm doing well so but we'll i mean your income's okay you're doing okay in your career what are you looking to get out of the conversation then you know so i'm going on a few trips in the future and i kind of would love to like help with budgeting for that maybe even my car i have debt just i have some debt i have some debt i have some student debt some credit card bills you've seen the show why the f*** would you go on vacation if you have debt i mean money's fake like i have to travel i'm young you know you've seen the show and you yeah no i know i know it's fine it's like a word yeah it's yeah it's fine okay don't really know what to do with that so i'm curious you okay you seem like you think you're hot wonderful great but okay just hoping you're just natural defenses on camera natural defenses whatever you think you're hot why the you have all this debt we're about to go through then you know you're great question i yeah yeah i think i think i'm pretty okay at being a host I think from college I had some money that I had, you know, some credit cards that I opened, put some college expenses on, like rent and stuff, you know, living, beer money, alcohol, college things.

4:27Sure. So then, yeah, like graduation, all of that stuff I had to put on a credit card. So I think now I'm kind of just paying it off. But I don't think it's that, like, crazy. I don't think it's that deep. But if you're doing so well, why would you have this much stuff? I mean. Is this what people who are doing well have? I mean, I think everyone has a little debt. Sure, but it's about getting out of the debt. Right. No, I mean, yeah, it is. What would you give yourself? I want to know. Zero being the absolute worst finances ever. Ten being the absolute best finances ever. What would you give yourself on that score?

5:01I think a seven. You're f***ing. Is that too high for you? I just... Okay. We're a little... You're a little in the air. and I think we need to bring you down a little bit. Confidence is good. Yeah. I like confidence.

5:20Yeah, you're right. People are having a little bit of normal people. You think you're that special person? Okay, let's f*** me, I guess. Okay. Sorry, I don't want to be a d***. Maybe I'm being a d***, but it's like a 7 out of 10. You think you're above the average person? Because the average would be 5. What's a 5? Okay. Well, what do you think average is out of 10? I mean, yeah. Hmm? Yeah, a seven. If you want your financial score and you're not going to be dumb about it, it's free. It's in the description below. Sorry, I'm being mean. Okay. I don't know. When I see people with like what seems to be a lot of pride, a lot of hubris, just like, oh, I'm the best of the best.

6:02I'm like, oh, this person. Okay, great. Great. Fantastic. That's okay. That's okay. Captain, let's go through your finances. Let's see how it actually looks. Yeah. Yeah. Let's do it. Discover it. Everyone's favorite little beginner credit card. Okay. On here, a 7 out of 10. What does a 7 out of 10 have? A balance of$3 ,638.17. That's what a 7 would have. Yeah, that's great. The$99 minimum monthly payment. Yeah. And$78.66 of interest accrued. wait how much$78.66 okay you didn't know nope how the f*** do you think you're good if you don't even know what are you talking about it's just there it's kind of just there oh my I'm gonna reach across this table okay let's related to your take home pay what came in via payroll was$3 ,445

7:08$445. So this is more than a month's take-home pay. It's what you have just sitting here. You put a little extra money towards it. A little. What's your idea behind putting a little extra towards it? Like$30 extra. What's your concept there? What's the grand plan? Like what my minimum payment would be? Is that what you're thinking? Like what I would pay? You put$30 extra towards it. I mean like$50. What? $150. If I put$50 extra? No, you put$30 extra towards it. What's your plan there? The interest is... What's your plan with this debt? You're this high and mighty perfect debt person. Minimum payment.

7:45No, you're putting a little extra towards it. So what's the... Do you even know what you're doing? So what's the... What's your idea? What's your concept? What's your plan? What are you doing? There is no plan. I'm just raw. If you think you're high and mighty and you're great and you're a normal person, make sure you apply calebhammer.com apply if you want to be here

8:08sorry sorry maybe i'm in a bad mood but i don't know okay sorry go ahead what's your plan pay it off pay my credit card off i don't even know at least you're smiley about this are you just are you happy i mean smile i mean you just thrilled them yeah what paid off paid off how what's the strategy that you were going in well i mean you're this perfect person you mean i mean i'm trying to do i like side gigs so i feel like you know work some extra side gigs is that where the depth goes down when you're paying it off what's your plan because you put a little extra choices but really nothing else what was your debt payoff strategy then how are you this immaculate great question i i'll figure it out i'll figure it out i'll figure it out yeah so i think people know how gonna get under my skin and it's smiling at that well guess what congratulations you have a cash back bonus of 12.70 even though 80 dollars charge an interest because you have a 25.24 interest rate so that's great yeah that's that's the sign of a financially healthy individual see look at this look at this graph this right here we'll put it on screen for all you folks this overall look at you see you see this red right here that's the cumulative interest that you'll be paying over time which is your minimum monthly payments whereas going to principal is the blue see how long it takes to actually start making progress in the principal with you just putting this even just this little extra and that's where i'm confused about your plan it's just the low progress you're making look how much more is going to interest in this first period of You don't start putting more towards principal until you're over halfway through this time.

9:57Month 25 or so is when more starts going to principal than interest. Yeah. So I need to pay more? Yeah. Start paying some more? You were paying. Oh, okay. I'll get to your strategy. I'll get to your strategy. Well, my thought process was if I pay more down on it, I would pay off the card sooner. If I put more payment, more money in my monthly. some actual logic yeah yeah that's nice um yes and that is true so is it just a little by little extra a little bit extra on all the cards yeah whatever i have available i kind of just i there's no science in my head i just i i just kind of say oh the minimum payment's 100 i'm gonna pay one is that across the board against all the debts or probably yeah yeah no it's it's all of them It's all of them.

10:44I kind of just say, oh, okay. $175. Why do you even have this one specifically? This Discover It? I think this was a college card. This was the beer? Yeah, and then I had it paid off, and then I opened it again, or I spent money on it. I think it was a shopping issue. When did you pay it off? Maybe last year. But you're the above average person. Yeah. You racked up$3 ,638. yeah with your income you could make such progress where's all the money going to right now my car payments my car payments that's where my money i feel like is going towards okay well i guess you have a small medical bill why haven't you paid the 124 dollars above average finances i just i i forgot about it i'm not gonna lie because they first they mail it to you and then i honestly i'm surprised i still have it like i i thought i lost it um and it's just one of those things i just i genuinely just forget to pay it like i could pay it i just genuinely forget you are not responsible yeah okay so you're recognizing that i mean i i yeah i mean i know that that's not smart it's not the best idea to not pay a bill right right it's not pay a bill yeah it's not the best idea to not pay a bill okay uh federal union see this is another massive balance you said 26 right that's how old you are 24 24 wow i don't know man this is a lot of credit card debt to have a 24 could be worse yeah it could all be worse you could be shooting heroin under a bridge that doesn't mean this is good why do people have that concept why do people why why what I swear there's so many people just like yourself you just think because there are literally worse versions out there that it's just so nonchalant.

12:42It's okay. Like who cares? It doesn't matter. Let's just put a little extra into it. Sprinkle a little extra. Because it's worse. Someone else has it worse. That is not a defense. Huh? Huh? What am I doing with huh? What the f***? You know this is a conversational show. this is where two people talk yeah yeah yeah yeah conversation no got it you got okay i think i am better than most people my age though like 24 you thought i was 26 i forgot your age for a second yeah like you know i'm not 26 i'm 24 so like you have and we haven't even gotten all the way through it total debt of 68 183 dollars yes what is the average debt for someone 24 years old in the united states

13:35i mean i i also don't like live under a bridge too you know i have a half i have lived what do you think the average person 24 lives people struggle to get a job you know corporate you know it's hard to get a corporate job nowadays 24 approximately in terms of where it is at a mean people range from 45 000 to 65 000 of debt you're worse than that you're worse than that so you're not above you're above the average in terms of how much debt you have what is 65 000 45 to 65 000 65 being the peak right of where people are you're close to seven so yeah you're above the average you're right above the average of being so what are you talking about what the are you talking about only only by a little only oh my you're gonna kill me you're gonna murder me i'm gonna I think a lot of it too is my student debt, which is like, which is what's calculated in this.

14:27So take some student debt up. Because the average of that with the student loans, the average student loan debt for a borrower is$30 ,000 to$40 ,000. Yeah. It doesn't make any sense. It just doesn't make any sense. It's the dumbest thing I've ever heard anyone ever say. And it kills me. Being aware of current events or trends in the world can be overwhelming and with good reason. In a time of media bias or mistrust, it's tough to know what the truth is. But fear not, because today's sponsor, Straight Arrow News, is here for all of us. Straight Arrow News provides unbiased, factual reporting, helping you navigate through the noise.

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15:34Go to san.com to check it out or click the link in the description below. Thanks again to Straight Arrow News for sponsoring today's video. And you're just taking a joke. What the f*** are you? thirsty just need a little drink i know but you have seriously you probably need some water too you've been heated might be good for you to like take a water break shut the fuck up what is this what are we doing right here what am i doing you you came on to show what a normal person's like and you're just like that you're just like that i i want to make sure i just want to extra extra extra extra extra make sure because we're here we're doing all this are you taking this conversation seriously yeah what do you hope to get out of this obviously i would love to pay my credit cards off that's the main get rid of my credit card debt that's my you know pay it off so i can have no debt you even have a face that looks like it's about to slap me when you say that my goodness this is so interesting it's okay it's okay it's okay it's okay uh so yeah this amco before we got derailed into all that is six thousand four hundred eighty six dollars and three cents with the minimum payment this minimum payment wild 233 dollars now this isn't a full statement could you bring up the app for me yes because actually the last payment you made was under your minimum.

17:05Oh, it's not over here? No. Get it.

17:12Well, I think it was under the minimum. What was, does it say what I paid? Yeah, 200. Minimum is 233. I might have forgotten about it. Forgotten about what? The payment. No. It's, listen, this is through my hometown bank, so the app is, the app sucks. Oh, great. I forget. I just, I really do forget. Sit down on autopay. what are you talking about you don't make insignificant money yeah i yeah well hold on now you have to go through a oh dude you are not a credit card person you cannot utilize credit cards you do not know how to if you really want to if you really want to be that above average person i need you to chop up every credit card close the accounts if you're going to use the card use the fizz card you can at least use it like a credit card and it affects your credit but you have to pay it off every month.

18:02This is the app. So you still owe some more money. Oh, yeah. Yeah. You're paying under the minimum. Did I pay this month or last month? Under the minimum. That's this month so far. Right. So, I mean, you still probably, I don't know when the statement time ends. I don't know. Due date the first. So you can still make the rest, but so far you're under for the month. You haven't paid your full this month. Good to know. You didn't know that. you're telling me if you went home from here from this conversation of which you are the normal good person you literally would have missed the payment probably yes that's 100 i would have missed it you better be coming off the horse by now life okay

18:46care credit oh great care credit everyone's favorite care credit oh first of all the amco let's go back to that for a second how'd that get all the way up to nearly seven thousand okay i'm now that i'm thinking i think i transferred it from the discover card which isn't yeah so balance and then you built your discover all the way back up okay so you're obviously not a credit card person how long have you had oh when do you do this transfer when was the transfer done maybe 2022 because i thought this was yeah 2022 it's been over a year yeah 2022 yeah it's two years i think well i'm just so then on the discover what you said was incorrect you said that was all student things right so what in the what in the last few years got it up to four thousand dollars probably just shopping eating out i think is that what you do what are your vices i i really do think that's what it is okay because i don't know where else income right you're overspending dramatically i don't know i can't pinpoint exactly what though other than like concerts shopping things like that you do lots of concerts lots of shopping yeah i'm trying to thrift more now like to you know save some money instead of buying you know new so you know 3 445 hits the account on a monthly basis right trying to shop sustainable right how much do you think you spend in a monthly basis trying to shop sustainable probably not Probably 50 bucks.

20:18Like shopping on clothes. No, spend it a month. Oh, spending it a month? In total. With rent? Everything. Everything. Literally everything going out.

20:30Maybe two grand? $1 ,500-ish? So to be clear, you think you bring in$4 ,490, but you only spend$1 ,500? Across the board? Everywhere? Maybe. Hold on. Oh, no. Hold on. No. two grand two grand two grand ish ish okay total was eight thousand seven hundred forty two that i spent four times what you thought you ever made a budget in your life no ever but of course not it's kind of just i kind of just i'm gonna have to say that kill me now okay so obviously just like anyone else who comes on the show we're gonna give you access to our budgeting class it's the best you can get you really need to go through it at this point if you really want to get to the place that you think you already are dude you got you need to go through this you need to learn how to actually manage your own budget and go through things if we're okay so there's care credit we're sitting at 1647 i've almost paid it off though i feel like it's it was a lot where was it it was like 2600 2700 okay that was last that was last year that was last so over a year you've done a thousand i think that's really good though is it I felt like that was an accomplishment.

21:43I think your biggest flaw, to be completely honest, is you just, again, compare yourself to the average person. The average person's s*** comes to money. I mean, I... Like, it really doesn't... Your perception of that being good is the fact that, you're right, the average person, that actually might be considered good. But the average person just absolutely sucks with money. Like, why are we happy about that? How are we happy about being better than a piece of s*** with money? I'm happy that I just s***$1 ,000 off. Sure, but you make$57 ,000. There's 57 of those$1 ,000 that you bring in on a yearly basis.

22:17Gross. Not in that, but... I mean, I still paid$1 ,000 off. This was for my dog. He was going to die. No, and I've talked about... Yes, you've seen... First of all, get pet insurance. I have it now. Okay, good. Don't worry. I say, yeah, my dogs are my f***ing life. if something bad were to happen to them and I literally had no money, yes, I would go into debt for them. But then because the debt is bad, I cut back on everything. Don't have fun. Don't have paid for fun. And I pay off that credit card immediately is what you do. And then you get a six month emergency fund. So the next time something like that happens, if pet insurance doesn't cover it for whatever reason, or at least to pay the deductible, I then pull from the emergency fund instead of going into debt.

23:05Do you have an emergency fund? Do you have an emergency if you want how much is in savings no four dollars yeah yeah that's great yeah because you're above average right great awesome the average american savings account uh the median american savings account is five thousand three hundred dollars but about a 24 year old i'm curious median savings account three thousand two hundred forty what'd you say you're at again four dollars yeah that's so shut the up with this comparing against other people you want to start comparing against other people great you're actually you're so far remember your debt is higher your savings is lower you're doing worse than the average person so i i don't want this logic continuing to just drive your life because you're actually in a worse position maybe that's the cope that has gotten you to the point where you're like you're able to sleep at night and all this is because you think you're okay but you're not you are not okay this is a weight that's a risk that is hard it holds a lot over your head it makes it harder for you to go change careers if you ever want to it makes it harder to do anything okay the care credit this was for the dog okay and then you made a thousand dollars it's not like we can't celebrate that but the fact that you think that is just like the most amazing thing ever like need to bring you down to the real world if you think that's it so far so far or at about eleven thousand seven hundred in debt so yeah a thousand dollars a year you're gonna take 12 years to pay off your debt yeah that's great that's fantastic that's so much progress working on it one day at a time i'm taking one day at a time yeah we all are the debt we all are welcome okay welcome the life but your one day at a time is going and blowing money we haven't gone to that part yet so okay and now we have a basically nine percent card debt if i've calculated this correctly nine percent what you tell me for sure well that's what we're calculating from your interest that's accruing well when did you get this car loan uh august of 2023 so less than a year ago so it actually might be a little higher overall sorry i did not get your care credit minimum monthly payment i think it's 50 okay yeah that makes sense for payment history sometimes you put a little less and then sometimes a little more okay and then the car what is this car i have a 2023 rav4 that's what all the commercials are it's a good car is that what you needed for what your life is i think my well my thought process was is so i i used to have a buick encore and i got into a wreck so i had to get a car it wasn't like i wasn't obviously i didn't I wasn't ready to buy a car because I was like, I don't want to buy a car yet.

25:59I wanted to. And the insurance. I wanted to. And the insurance. Yeah, yeah, yeah. It's what I pay or like I have insurance on it. Or the insurance cover. Oh, well. The remainder of the debt you had, anything to roll over. So I had gap insurance. So it covered my car. So I just kind of paid it off. It was like clean slate. So why is the only car we're able to get then? Well, it was. I wanted this car. There it is. Of course. That's what you wanted. wanted they're good cars they're good cars they are i'm not against them i'm not against them you're we already went into the credit card type of debt you have you only paid a thousand dollars of progress towards it why do you think that someone in your position i want to know your actual logic behind this why do you think someone can get a 40 000 car how much did you put down well okay how much did you put down two grand okay so 40 000 car my thought process was i'm gonna get a car i want like a rav4 i wanted a rav4 forever it's more important than you need sure right and then i thought okay might as well just i just just kind of stumbled into getting a new one and then i thought it was 30 000 and then it ended up being like 30 for 38 how long have been rav4's been being made do you know years okay why not just get an older rav4 because i just wanted wanted wanted wanted do you know what the word want means it wasn't a need you need to pay off the debt but then i thought okay i could just make my payment on it you even self-admitted towards me uh at me towards the beginning that it's this is what's eating all your money right it is the payment is high and also how do you think you only spend 1400 a month if this plus rent is basically 1400 you're right you're right i did my math wrong math is wrong math was wrong mental math is not my strongest what's the insurance payment on this thing 193 I don't know how to get that lower I've tried I'm shopping the market it's not that that's an aggressively thing aggressively massive thing but that plus that's aggressive Texas is kind of expensive for car insurance but I mean it's $832.03 a month right but then my thought process plus depreciation plus maintenance plus gas, your transportation bill is insane for your income.

28:16It probably takes almost a third of your take-home pay. Literally goes to the vehicle you drive to and from work, A to B. Who the f*** cares? You should have got a$10 ,000 car. A$10 ,000 car that you did not care that much about that would have gotten you A to B to be safe, that you got a mechanic approved would have lasted a few years minimum, that you wouldn't have to put much money into, and then you pay off all this debt, and then that car debt and then save up a down payment for another car and have a fully funded emergency phone and catch up on retirement and then that's when you are allowed to go get the dream car this was way beyond your position of being able to afford it way beyond your position of being able to afford it my thought process too when i was getting the car was my rent in austin is on the cheaper side so i thought okay since my rent is a little cheaper i could afford the car i want that was kind of like my my thought when i was looking for a car yes absolutely so why again are your wants more important than your needs you keep bringing up want i just i wanted it yes i mean that's that's oh my can you answer a question i'm sorry i just that irritates me why are the wants in your life more important than your needs does this that does i mean obvious so this that doesn't feel like anything to you those credit that credit card i mean it's not it's there no it it's it's there then then but why was this want why did it bring more emotion in a positive way that completely overtook the negativity of the debt my thought process is just pay it off just get it but you're not you're not you're i mean you're just well how long is the loan how long is the loan the longest that you can do it i'm pretty 84 months or 72 right is that another one?

30:0472 months. It was used when you got it, right? Yeah, but it had maybe 9 ,000 miles on it. They used it for transportation. Yeah, the median used car paint in the United States is fine. Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify.

30:42That's stitchfix.com slash Spotify. $532. So, congratulations. Once again, you are above that. Oh, yeah. Oh, yeah. Average loan amount for a car is about$40 ,000. Sorry. No,$26 ,685 for a used car. So, what are you above again? Oh, another thing. So you're either doing worse than everyone or you're falling behind everyone at the same time. Every single statistic we look at, I'm so glad you said that thing at the beginning where you thought you're doing, you're normal, you're doing better than everyone else. Because it's allowed me to just pull out this information, this important information. And I hope it's bringing you down to humble land because you are not even comparable, dude.

31:27You're in a really bad position. and if i can't actually get you to know that by the end of this conversation it's like what are you actually going to do why are you ever going to take any time or effort to fix your life you know if you just think you're doing so good so well again here's the same chart for your car payment i mean just how much is going to interest and eventually principal you know starts taking over but it just takes forever dude yeah it takes forever and then the student loans so you went to school yes where'd you go to school texas a &m university what did you go to school for marketing you graduated i did in may of 2021 cool your highest rate here is five percent this isn't the craziest thing in the world the lowest rate is 2.75 also then we're sitting around 4.5 a little higher than i would like but it's okay ish for student loans and again you are getting an actual return on investment with your um degree here so i'm not this isn't like something that i'm absolutely appalled with um what's your minimum monthly payment here for student loans i haven't paid really any of it i think i've kind of just paid 30 bucks maybe 60 bucks on two of them are you like in a deferment thing are you gonna like i don't i don't think so i just kind of just haven't paid them how are you just they're just on the back burner i how are you just not paying them you're not are you paying your minimum this is what the f*** are you talking about but i don't is interest isn't what isn't it doesn't it not affect your credit until like october of this year i swear i saw that so you're doing that thing right you're actually taking advantage of that i can't believe anyone's actually taking advantage of it's a thing you're right i'm still getting interest on them but yes the interest is accruing but it's not going you're not getting negatively punished on your credit or having anyone come after you.

33:17The credit was my thought. Yet. Yet. Because, yes, in Biden's announcement, when student loans were resuming, there was a grace period of a year of not getting punished. It doesn't mean interest is not accruing. So you're just like, are you serious? I didn't know anyone actually did that because that's the stupidest choice anyone could ever make. Well, it's not the stupidest choice, but it's a pretty stupid choice. I am doing that. I'm looking at someone who actually decided to do that. That is blowing my mind. I didn't think anyone would choose to do that. When I heard that, I was like, a dumb mother is going to do this.

33:48And I've met that. Yeah. Hi. That's me. Finding the right resources to improve your life is hard. So I've partnered with a variety of companies to create a list for you. In the resources section of the description below, you can have the best high yield savings account possible. Get a free$20 for signing up for Acorns and getting automatic investing. Getting up to$300 when you open a Moomoo account and start investing there. Add certifications to your resume through course careers to improve your income and land a better job. A card that is for people that are not credit card people but still want to improve their credit.

34:20A mobile carrier that only costs$20 a month for the same service you get with the major providers. And online security systems to protect your identity. We've partnered with them to get you the best deals and sign-up bonuses possible. Oftentimes these are low price, free, or you actually get money for signing up. So check them out in the description below. They are resources that I personally use or would use in specific situations. And you're typically, you're on the standard 10-year repayment plan. Oh, probably. Normally, just like the default. Yeah. Oh, yeah. You've never applied for anything.

34:49No, I think I put my salary as, yeah, I looked into it, but it kind of is confusing. So I kind of just. No, what? I was hoping, well, I put my, what I make, my salary. To try to get income-based repayment? Yes. And I think I'm on that. I wonder what your income-based repayment would be though. Are you paying your minimum for that, but you're not even paying your minimum for that? I'm not paying anything. I would think - I'm paying no money, maybe$60 total. My thought would be about$250 if you're on standard for minimum. Oh, that's fat. Yeah, but it's basically your Amoco loan and a third of your RAV4 loan.

35:24So, I mean,$250 and you sign up for that candy. So, I don't know what you're talking about, but whatever. Okay. So, you don't know your minimum. So, I don't know what to put for a minimum. Can you log in and see your minimum? Do you have Mohila on your phone? Mohila. I feel like I just got an email from them, actually. Oh, I wonder what that is. They wanted my money. Oh, I bet. That's interesting. It's almost like you borrowed it. Oh, it just says my current due is$50. Oh, total due,$100. Here, let me log in if I can find the info. Oh, what is your life? It's really on the back burner. I'm glad you went to college.

36:05I'm glad you graduated. It does show that you have some kind of discipline. Hopefully that puts this, it's a different kind of set of discipline than actually having to sacrifice finances. It says$50. Maybe I didn't put my, I thought I put my money in. Okay, so you're in the save plan. Are you? Or income driven repayment account adjustment. I feel like they need to update the website. It's kind of confusing. It's not. But your minimum is$50. So yes, you are on. are you on idr save um either way it's 49.97 and you are past due because you're right i mean that's insane that's insane you get a nearly 700 car payment when you aren't paying your minimum 50 that you borrowed for school give me your logic there dude i think i think i was hoping that you know daddy biden would excuse it so it's kind of still hoping that it i'm hoping that it just eventually gets what do you mean it got blocked by the supreme court how do you think that's gonna happen then i think i'm gonna overrule the supreme court i don't know super supreme court i'm hoping i'm praying they don't exist i'm praying for that i went to school on the pale grant so i was gonna be like debt free if it got passed oh yeah but then it didn't get passed so now there was no passing right well it didn't get approved i don't know no it got blocked got blocked they said no they said no right and now it's time for you to say yes i will pay my debts like an adult yeah why don't why do you think you you why don't you think you're responsible for this for paying i'm not saying i'm not responsible but you're not putting your responsibility towards it yeah i'm just kind of hoping that it goes maybe i get married my husband pays for it i don't know that's also another joke is that a he-ha i mean are you just kind of hoping are you just i'm just hoping wishing maybe i'll marry rich that's also my thought process you just because it's just it's just kind of dumb like what the debt the college debt like i think it will just eventually how'd you get through college honestly great question great question i have a business i have a business degree i ask myself that all the time that's because i literally got like a d in finance oh my gosh barely passed accounting man i'd say you need to go back to school but i don't want you to go into more debt fuck only i could if only my boys over at course cruise had a certification for not being a dumb finances so is that it is that the end of your loans you're under your debts i think that yeah that's all of it okay well now we can get into your spending statement oh no what is this oh this is the am okay the amco we already had that yeah okay but this is the checking account version wait a second that's the this is the credit card is this a different debt on here on the checking account is that a different debt oh is it like a hundred dollars it's like a personal loan you have a personal yeah and you almost told me you're done with your debt what i forgot about that one too what's the balance of the personal 183 is that i paid i paid some of that it's updated it's like 180 185 183 183 why are you why are you taking that okay Why are you taking micro loans from your bank?

39:11Again, I took this out a really long time ago. So I... For what? I don't know. Come on. No, for what? No, I cannot even... Put yourself back there and just... Maybe I owe 184. Let me... I don't even know when I opened this. Let me... July of 2022. A lot of stuff happened in 2022 for me. I don't know what I was... I can't exactly pinpoint what I was doing. yeah and it was a fifteen hundred dollars what is your credit score well on my little bank website it says 5 45 i think i just missed a payment like within the past few days oh my i i think that i think this i think this but if i look at discover the you know they like vary for their credit score it was fair it was fair it was not good it was good at one point now it's fair i think it might be bad you actually like take a word that it says next to it and you that's how you associate oh my gosh i'm gonna die that's crazy that's crazy i think i i think um um it's like i'm just trying to figure you out here because you said you've said wild things without you thinking without you even knowing that you've said wild things because

40:35i i at first i thought maybe it was just hubris just you just think you're on the top of the world but i think it's just actual ignorance i just don't think you know anything about finances and that's okay but it's usually better to admit it instead of pretending like you know everything i mean yeah i'm admitting it now this is probably not the best it's not it's not good to have all of this debt but at the same time i don't i don't know what to do about it i don't know what to do with you that's because that's insane you're venoming out 27 you're venoming out 150 dollars went to a clothing store and spent 192 dollars mac and cheese restaurant amazon another restaurant red river cafe red river cafe going inside a store getting some bulls quick little stop in, get a snack, get a drink.

41:27Amazon,$149 on Amazon. Kill me now. Baked goods. Awesome. Venmoing out,$125.39. What are you Venmoing out constantly? What are you doing? I think it's a lot of friends getting married, so it's a lot of bachelorette trips. What? A lot of Airbnbs for weddings. Oh. Yeah. What am I supposed to do? Not go to the wedding? Not go to the bachelorette trip? It gets really complicated. tell my best friend sorry insomnia cookies yeah i'm going at the movie center and getting some snacks who'd you see oh tyler childress okay i didn't pay for those tickets getting an apple bill or subscription oh that's for like um the gigabytes what's hall arts tower hall arts tower what did i spend there 20 20 bucks i don't even know what that is hall arts tower we couldn't figure it out either sp society raising canes amazon white rhino again amazon was 150 bucks i return a lot of the amazon okay there's hall outs are a hall arts tower again another 20 bucks paypal and out 175 dollars ben we not 11 bucks ben we not 40 bucks ben we not 12 dollars is insane it's just every second of your life tumble the chicken restaurant ben we not 12 dollars ben we not 20 dollars is saying twin liquors glugging it down oh selling out four hundred dollars what are you selling out four hundred dollars for is that more wedding wait what was that for you sell i don't know what it's for oh oh oh that was for my mom but she sent it back she sent it back it should be on there okay or no no that was for my brother that was for my brother he sent it back why why'd you give it to them and they had to send it back what they're doing they're broke they needed 400 You're broke.