Entitled Gen-Z Girl Uses Payday Loans To Party | Financial Audit

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0:3020 seconds. Go to calebhammer.com slash live or check out the link in the description below. Hi, my name is Brooke. I'm 28. I live in Austin, Texas, and this is Financial Audit. Thanks for coming in. What do you do for a living here in Austin? I manage a grocery store. The whole store? Well, yeah. Okay. I know it's a big one, so that actually must be a lot of work. Do you get good money for the big amount of work that this is? What do you get paid? uh i get paid let's see about 78 000 a year that is good yeah people say we're not saying which one but people say you can actually make good careers there yeah you can yeah and like you're kind of demonstrating that you can yeah 78 000 yeah how do you feel living in austin 78 78 000 is good for if i'm not you're pretty you're 2 000 below i think the austin median household income and you're 28 years old 78 000 so how do you feel living in austin uh it's a little challenging i'd like to move up north because south austin is a little far away from everything yeah north austin is a little more expensive like pay and survival yeah no i think i do it well for myself interesting why are you taking out payday loans every second of your life in order to survive and everything um that's a great question i think part of it is to have fun uh part of it is i'm just kind of ignoring what's going on with payday loan equal have fun um you know i don't have an answer to that let's see let's try to have some answers we're on a podcast well okay which payday loan specifically because there's a couple we'll definitely get into that okay yeah i just don't understand because you make good money i do austin is an expensive area it's the most expensive area in texas in terms of major city i don't know really yeah no i didn't know that i think it'd be i don't know no i mean you can get specific neighborhoods that are ridiculous but in terms of like the city austin is the most expensive in texas for sure um so it can be harder to live here it really can you don't make a bad income especially for a single person no you actually make a good income and i'm very happy to see it you've made a great progress in a career before 30 why would we be struggling and you say you're not struggling but you don't recognize it i think for taking out payday loans yes i think i am definitely struggling you said you were doing like okay i forgot the exact phrase you used well okay okay do people who are okay take out payday loans so i do pretty well um for myself but i started way early on so i i've moved a lot in my life i lived in new york city i moved to virginia florida kentucky and now texas and so i think in that time i've just been kind of scraping by and how long have you been here four years okay i've been here six years it feels like a lifetime i'm okay the rest of that cool but i i'm a little confused how all that relates to you doing this right now if you've been here for four years not four months four years yeah so what are you trying to say i think i've just had a pattern of not really not really paying things and taking out debts to afford other things and so why and it ended up here again you do not make bad money where does your money go to you in your brain where do you think it goes to the point where you have to be borrowing this money first of all there's not even a credit card for me to look at yeah you could be putting i'm not even saying put it on credit cards when you can't afford something go put it on credit cards but if you do it so i get a 30 interest rate instead of payday loans oh yeah i didn't even think about that honestly i figured it's just quicker it's quicker money and i'm borrowing for myself so it felt better if that makes sense all borrowing from yourself yeah and then credit cards i've been denied for a lot of credit cards good yeah probably for the best um those yeah i wouldn't want you to use a credit card no i think yeah and when i have obviously i've had one closed before so I can't pay it on time.

4:33They closed? You closed? They closed it. Okay. Yeah. Because you f***ed it up so bad. Yeah. Well, I just forgot to pay it. So then they closed it. And then I need to pay it. You have to forget to close it for quite a while. For a few months, yeah. And they reach out. Well, I never reach out. And you also have mail and apps and emails and phone calls and things that operate in civilization. but it's easier if you just put it over there put it over where? where you don't think about it in the space where it doesn't exist assuming it has f***ed credit which is why when you go apply for these credits you're not getting approved but the other payday loans do approve you because it's such a high interest so I've just been borrowing from myself in that manner because sometimes I can't make a payment at a certain time and I don't want the payment to be late because I don't want it to affect my credit but the payday loans get paid off that makes sense it doesn't yeah yeah okay okay okay what i'm still confused about and which is it's the one thing i always like to know before going going deep into the finances is what is going on in your life what you say so far is that i've had a pattern okay but what is going on in your life um what is this reflecting what is your life what are you i think what what am i like a demogorgon or like a beast or some something no i i don't i don't really know if i really stopped and thought about it i don't think i ever had financial advice or help and i've been none of us have yeah and i mean i'm gonna interrupt you because everyone says this none of us have but you have had access to libraries and google and internet and youtube i've been embarrassed to ask for help and when i do it's not necessarily like some prevent googling that's true but you know i'm not gonna judge you they'll stalk you well they won't judge you i have sat down and tried to make a budget but i don't follow it if that makes sense so why not what do you think probably partially disciplined financial discipline is one thing but also i don't want to let go of certain opportunities like being able to go out and have fun have a good time why is that not in the budget again you don't not make any money so why don't you put those experiences and things that you value into the budget why don't it be in the budget then you stick to the budget and then you do those things but you do them in a way that you don't as often have to borrow payday loans i think why make a budget if you're not going to follow the budget that's true and that's why i haven't made a budget in a while because i made a budget like two or three years ago when i was moving so and i didn't really follow it so and i think so what we just hope at the end of the month we have enough money yeah that's that's you hit the nail on the head that's pretty much it uh and it's not been working well i think i'm at a point now where i'm drowning a little bit and i can still survive like i can still feed myself and go to work you're drowning though yes i mean you acknowledge it but do you know to the extent that you are because you don't budget you don't look at your stuff do you to the extent definitely not i do know i'm drowning i just don't think i am aware of how bad it is if that makes sense um like i see what goes in and comes out and i think i have an idea what came in probably 48 to 5 000 payroll 48 yeah cool one went out yeah what was spending probably i know what comes in i know what goes out what went out probably more like six thousand dollars if i had okay so you actually do know 6 100 so if you know then why would you allow that because that's even more upsetting than not knowing well because now you know but you still do it yeah like what are we doing that's just yourself it is no you're right but i think the main thing is that i've just spent money to be able to have experiences and what experiences matter more than you experiencing being able to retire not die under a bridge there's any there's any number of things um like well let's try some examples for my birthday i went to mexico and i bought like a cheap plane ticket for three hundred dollars and i expected that it was going to be more expensive i spent like a thousand dollars while i was there and in may i went to detroit to go hang out what'd you do this last month the month where you spent a thousand two hundred dollars more than you brought in i think i went out a lot with friends and so the experience is going out getting drink why don't you get a little like pre-game and then hit the town that's fair i drive myself everywhere uber yeah cheaper than going out and buying a lot of drinks that's fair or if your friends are going out get them to drive you i live in south austin i live so far from everybody well and it's like a hassle to come down there it's like 30 minutes for anybody to come pick me up so you know and i haven't i think that's part of it too i don't have like a solid i have friends but i don't know that why are you going out if you don't have a i do i do but i don't know that they would pick me up if i asked i should ask they don't sound like good friends no they are good friends no they wouldn't pick you up if you they probably would they probably would but you can't ask every time and if i'm going out like every weekend my friend we carpool constantly every weekend well we don't go and hit the bars but whenever we go do things we carpool constantly okay that's fair i think i have to drive to them And then we go to North Austin.

9:41Or Uber to them. Because, again. I don't like being in other people's cars, though. I don't. Yeah, but we're just. I just don't. Hey. People drive crazy. But. Sorry. Just one second, dude. We're literally just trying to. Okay. We're literally trying. We are trying. I'm sorry. Oh, my. Sorry. I'm sorry. I'm listening. We are trying to get you from point A, where you just got drunk, to point B without dying. Yes. So I don't care if it's in someone else's car. Fair. Okay. That's better than you drunk driving. Okay, fine. You always care to drive. So how are you doing this now? I don't drunk drive.

10:21No, I. I'm not saying you do. I'm saying let's prevent it. Well, yeah. So, okay, you go out. You spend a lot of money on drinks and you only, you refuse to not drive. So how are you getting there and getting back? Well, I don't drink just for, like, I buy drinks for people and stuff. I think that's. Why? Because I want everybody. But you're spending$1 ,300 more than you make a month. How can you afford to buy drinks for other people? You're buying payday loans. I've done it. Huh? I've done it. Yeah, via payday loans. Yes. That's correct. So payday loans to buy drinks for other people. Not just that.

10:51Uh-huh, but that's how it's kind of mathematically working out, is it not? You knew how much came in. You know how much leaves. And I ask you the experiences this month. It was a guess. You said, you guessed right. And you said going out with the friends. Yeah. Mostly that. So you're going out. You borrowed$1 ,300 probably. We'll see. To go out with friends. At least in this last month. Net. Yes, this last month. That's what we're looking at. Yeah. I don't know. I don't know what happened six months ago. What? No, just trips and stuff, I think. I've also said. Like savings, you put aside and then you spend it.

11:27What savings? You don't have savings. I have your savings account. In fact, how about we start with a savings account? That's fun. Usually we save that at the end. Let's talk about savings. Yeah, we're putting money in savings, aren't we? because we're a big girl. We have a market savings account. What do we have? Oh, 93 cents. Sorry, that's the total earnings this year. Any balance, 57 cents. Savings, guys. That's what it is. That's what we're doing. That's where money's going. Well, at a certain point, there was money in there, and I haven't seen it. And where'd it go? I think that's how I know.

11:54And where'd it go? To trips. Trips to. Those are emergencies. You know, not having an emergency fund is an emergency. Yes. And that's how I feel right now, which is why I'm in a place where I feel like I need to. It's interesting that we feel certain ways, yet we do no actions to solve the feelings we have. Okay. That's a fair assessment. Yes. Yeah, I don't have anything to say to that. Uh-huh. Okay. Yeah. So going out to eat is more important than having emergency fun. Not going out to eat, sorry. Going out and bevving it up with the girls. Going out to eat as well. I guess you can put that in there too.

12:31Sure. And then groceries. I could probably spend less on groceries. But I like good food. Yeah, I had you at$5.29 groceries. You could cut back if you wanted to. How much do you think you spent just going out to eat specifically? Probably like$600. She knows her numbers, dude. It is$609. I'm on it. But that's worse. Yes. That's worse. Because you know it and you do it. Yeah, you don't have an emergency fund. Meaning if anything happens, you have a car, you drunk drive, you hit something. Guess what? You total that car. You're not going to replace that car. You don't have an emergency fund. Something pops up, something medical, family, a trip, a trip because someone passes away.

13:12You never know what happens. An emergency is an emergency is an emergency. And you don't have a fund. And you know how much you spend on going out there. You know how much more you spend than brings in. But we say no. Our behaviors say that that is more important than any financial security. Yeah. I actually did have an emergency recently And I had to take out a pay loan for it And what was it? I got a ticket Speeding ticket After the bar? No it wasn't after the bar It was on the way to work actually But yes I got a speeding ticket And I had to take out a loan to pay it off How much was the speeding ticket?

13:49It was like$600 and something Wow those are expensive Yeah Don't speed down it I stopped speeding down it As someone who definitely doesn't Well, it's Texas. I mean, everybody speeds in Texas. It's feral out here. I'm inviting comedians on the show, guys.

14:11Did you not take the little thing where you can go take a test and stuff? Well, no. Oh, because this is probably the second ticket recently. No, it wasn't. But I just did. Why would you not do that? Well, because I have to get my license. Because I lost it. You lost your license? Do you have an active license? I do, yeah. Then what's the issue? Well, I didn't have registration at the time. Why? Because I need to get insurance on my car. You don't have insurance? Yes, but I'm working on that. No, no, no. You can get it in 30 minutes. How long have you been working on it? How long have you been working on it?

14:47A while, a while. It's really expensive for insurance. It's really expensive. You spend$600 a month going out to eat for you. Yeah, I could probably, yeah, put that to that. What happens if you get in a car crash now? Because now you're not insured at all. And now you don't have an emergency fund. I drive a lot safer now that I got a ticket. I mean, I'm just saying. I only drive to the bars. I refuse to get an Uber. I got a speeding ticket for going quick and it's a$600 one. Yeah. So I'm a notoriously safe driver, guys. That's what's coming from your mouth. Okay. I want to give you free money right now.

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16:30Money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. We spent$600 going out to eat, but we're not getting car insurance? A basic legal requirement? Yes, which I will go do right after this. No, you won't. Why didn't you do it before? How long have you been trying? Well, you know, if it's going to... Oh, come on. Like a few years. I think What is that? So I registered my car when I moved to Texas And then I Can't remember why I didn't necessarily get it done But then I just What insurance? It's a phone call it's a Google Are people incapable of using the internet on this show?

17:08No I've just never been in an accident I've never gotten a ticket It's legal Yes Legal issues You're breaking the law And I don't want to do that When did you get the ticket? A couple weeks ago. Why didn't you get it in the last two weeks then? I've been working a lot. What's your work schedule? I work five days a week typically. Ten hour days and then I have two days off. Sounds like you had at least four days off. Yeah. To Google something. Yes. To make a singular phone call. I did Google and Progressive and Allstate quoted me at like$350 a month. Cheaper than some people have on the show. and also saves you more money next time you get a ticket and have to do legal things.

17:54That's right. That doesn't feel very cheap though. I wouldn't say it's cheap, but it's cheaper than some people on this show for someone with a ticket. Yeah. On the record. Yeah. For speeding. How much over were you? It was a 35 and I was doing 61, but I had a good reason. It's a really good reason. Do you want to hear it? Okay. So their power went out at work and I was rushing there because they needed my help. So I think that's part of the reason I got out of the ticket. Yeah, because you could have turned the power on. Well, no, but I'm responsible for facilities and maintenance and operations.

18:27I got you. No, I got you. I got you. Cool. Well, that explains the expensive ticket, and that explains why your insurance is so high. Are you surprised? No. Get it! It's been two weeks. You work 10 hours a day, meaning you still have time left in that day. 14 hours. Well, 16 hours. Well, eight of those are sleeping. Hold on. 18 hours. Most of the time. 18 hours really No I'm stupid what's happening What am I doing 14 hours Am I in the right show Apparently not right now It's been an interesting day I'm scared Okay That math just terrified me Alright So 6 hours a day I have free time essentially Time is 5 Which I'm not even going to attempt right now knowing where my brain is Apparently and then two days off yeah and then it's been compounded over two weeks well the two days off yes i've had plans so yes yeah maybe your plan should include not breaking the what are you a you're 28 years old you manage the whole store meaning you have a lot of employees that you're dealing with why are you acting like a five-year-old i've just been ignoring all of it honestly because it's been how could you be respected as a boss that's fair that's no that's completely fair i mean i'm in it i'm type a at work it's just like in my personal life it's like it's kind of a mess financially and so personal life always affects work it does and i think it's getting to well i mean not really not really for me i i don't think doubt doubt i bet we could get in there and figure some things out in your work i bet if we had a camera strapped you all day could absolutely there's going to be a stress that blows over there's going to be something that's forgotten because there's ticket things in your brain that's fair yes yeah i do forget some stuff yeah because of the stress level outside of work but say it impacts what do you think is happening okay stop i want to know where you think your score is then we're going to dive into this money zero being the absolute worst 10 being the absolute best where do you think your finances are today i want to know your self-assessment where do you think you are we've gotten a good like 20 minutes of just assessing you your personality your thoughts on money so far payday loans are making more sense where do you think you are finances um i would probably say nine being the worst no no zero is the worst oh okay so one yeah one come on yeah sorry well well let's listen i obviously go out your hammer financial score it's free link in the description below and if you want to come on the show go to calebhammer.com slash apply i'll give you a little scream a little punch a little slap slap slap of debt all right so this first thing um it's the worst thing what am i looking at here we have a five thousand two hundred sixty nine dollar balance on what a car oh what's okay what's your car uh ford focus black ford focus year 2016 guys it's a black one well you know but thank goodness uh 2016 2016 okay what do you think it's worth uh i think the last time i did what is it blue kelly it was like a three thousand $4 ,500, which I don't think is accurate.

21:37It's probably less than that. $4 ,500 is what we got. So you're probably underwater by about$1 ,000. Private sale, I bet if you traded in, it would be like$500 less or so. Okay. So you're underwater. What interest rate is this at? Really high. Definitely closer to the 20%. I think 18 something. 18%. Yes. I got it when my credit was like way worse. How did your credit even get better? You're taking out paydance. What are you talking about? I haven't improved my credit somehow. I don't know how. in the past four years. What's your credit score? What are we considering improved? I think it's like 650.

22:08Really? What was it? It was like a 570. Why haven't you refinanced? So I didn't know that you could refinance and then when I did it was like past the time because somebody said it was like three years. Past the time. No no you can refinance whenever. At any time? Yeah. Oh. Well I mean okay that changes things a little bit. I don't even. Would you go through like a What'd you listen to? Who'd you talk to? You could go through your bank. Okay. I didn't know that I didn't know that I could do that. I thought there was a a certain amount of time with the age of the car and the age of the loan. And then you can't do it.

22:37Well, your equity position's bad in the car, to be clear. Yes. I'm under$1 ,000. Is that right? Which is better than I thought, actually. When did you get this? 2019, I think. Okay. So how long is this term? Because this is going on forever. We're five years in? Yeah. And you still owe this much money? Yeah. And I still, well. $306 minimum payment. Oh, sorry. $305.86. So, I mean, I got the car kind of in a rush simply because I paid off. I love my Honda. It was a white Honda. Her name was Jane. A white Honda this time. Yeah, it's important. Her name was Jane Honda. And I loved her to death and back.

23:17And I bought it off a friend. Essentially, what happened was I got a flat tire. It was parked in my apartment complex for like a week or two. Yeah, I didn't live in Texas at the time, but it had a flat tire. And I didn't fix it for about a week or two. when I finally did go to fix it my catalytic converter got stolen off of it so it didn't work and I had like just paid it off and it was like a little hooptie yeah it was a little hooptie so you know it is what it is I got triple A to pick it up yeah long story short I had to buy a car because I had to get to work and I didn't want to buy a car how expensive was this car when you got it because this was five years ago yeah I think the loan was like$13 ,000 if I'm remembering correctly.

24:00It's not like the world's, I mean the interest rates. Yeah, it was a good price. Well, we don't know. I don't know what the value of it was. I mean, you're only, well the thing is, I mean, you're still underwater by about 25%. Since here it's a lower loan and the value is a lower number, like it feels a little better because it's only$1 ,000 under and we could find ways for you to get$1 ,000, you know, easier than$10 ,000. But it's still a substantial equity percentage off. yeah okay sorry three to six dollar fifty five cent minimum monthly payment how long oh through twenty twenty six so we have two more years yes two more years hopefully less well okay how are you going to do that if we're taking out payday loans to go out with the what hopefully less you know health doesn't get us there i do get bonuses that's what everyone does on the show no i get bonuses you've been getting bonuses that's true but i've had little emergencies come up at least which means you will always have little emergencies come up welcome to life that's why we have emergency funds so your bonus can go paying off debt what do you think why do you think life is also going to be different hope is not a solution there's nothing wrong with having hope i would rather you have hope than just down down down gloom gloom but hope doesn't get us there a plan gets us there actions get us there well it's got me this far so what payday loans that we're about to go through 18 car debt of stupid yeah that got us here great wonderful we're 28 with no savings Sorry, 50 cents.

25:25There's something in there. So, I mean, come on. That's not funny. It's not. That's not funny. That is scary. You don't understand. You don't understand how much that can your life today. If something goes wrong in the wrong, you don't understand just how bad that can get. This can get you into some of the worst debt you have ever had. If something happens that you cannot get out of and you don't have insurance on this car, you need to drive. You need to drive with where you are in order to get to where you need to be. This car, something happens. You're going to crash. Maybe it's not your fault.

25:57It doesn't even matter. It could just break down. Someone steals a converter. Who knows? Who knows? That happens. What do you do tomorrow? How can you? You're not qualifying for credit cards. So, and your debt to income is probably shit. So, who is approving you for a loan to get a car? And you can't get a 50 cent car. Fun fact. So, what are you going to do? You don't. You can giggle it off. Maybe it's a cope one. I will hope it is like many people on this show have. but 50 cents in savings is not a laughing matter your life is at such risk right now you do not understand how scary this is you do not understand no i i i get it and recently i just started talking to someone who has a perfect credit score so i'd really like to not mess up his credit as well so wait married not married no but i just started talking to somebody and it kind of how up their score well if we do get married in the future oh talking by dating by the diddle diddle it was like a wake-up call to say like if i get in a partnership with someone and i had a perfect well how many of you guys been dating well you guys don't like combine score what do you is that not how that works i i genuinely thought you share credit scores if you get a loan together you're married you can get on loans together you don't have to you don't absolutely have to there's a lot of advantages with marriages it's so important to me i mean i still want to get my together.

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27:58This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 % discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better and finally you can too at a more affordable price head to calebhammer.com or click the link in the description below you will not regret this listen how often do you get these bonuses um four times a year okay so what do you plan to do with your next quarterly bonus is it gonna go towards that or is it going to go towards a trip like your first bonus this year to mexico no no trips next year are you sure this next i would love to go to the bahamas but yeah oh sure i don't know that that's a possibility obviously we're where i'm standing right now everything's a possibility this is more dat you've done it before i have done what are your bonus amounts is that incorporated into your 78 or is it on top of that uh it's on top of that you make so much money this is great you do so well yet you're it off yeah how long have you had this job uh About two years.

29:11What are the bonuses? I get about$1 ,200, and then in December I get a little bit more. That's great. Two to three, yeah. How are you throwing this away? Okay, and how long have you been dating this? Six months. Okay, and it sounds like you're thinking more future. Yeah, we both are. But this person, good, love it. Don't bring this kind of, this is the kind of shit you can bring into a relationship. Well, I don't want to, like my financial situation? Yes, because once you guys are a partnership. Yeah. unless you guys are completely separate which is weird and we've had people that do that but he's gonna feel some obligation to take on this i actually didn't tell him i was gonna do this because i'm so embarrassed about i mean he showed me his credit score this is damn near perfect and like i i want to say like can you help me understand my finances but i don't want him to feel as though you should be honest though shouldn't you what what is hiding it gonna do that's not going to do anything that's going to be worse in a year i could probably get it together yeah but what's you guys have been dating for six months what is hiding this doing that's not benefiting anything that's worse probably that's fair i mean he does pay for a lot of stuff and so that's helpful like he'll pay for like you're still taking out payday loans oh my goodness he's paying for things yet we're spending 1300 more than we make even though we make really good income yeah like twice a month okay this car we'll think about this car okay we'll see by the end all right so i i must like this this is your credit you didn't print off statements i must have your credit okay so what do we have oh my what is possibly happening this has a balance of 441 dollars why are we four months past due it's so stupid that is so dumb you can so pay this off immediately what is this what is this so is the card that closed with my bank i just forgot to pay it for a couple it's not even forgetting this is so insignificant compared to your income you could kill this how much is your rent uh 16 to 1700 oh that's actually quite expensive why'd you do that well because i wanted to live by myself well i had to live by myself you can live by i have well i know i have people that live by themselves for cheaper well that's you wanted to live in a place you wanted to live well sort of i wanted to have a second bedroom to be able to like host people and have like an office area and so but it is a good price for our grocery store job notoriously worked out of a home i i could pay that off you're right but i figured it's such a small amount that is what are you this is killing your credit is it that bad i figured that what are you talking about what are you talking about this you're using 147 of your accounts limit if you're doing that that's your credit utilization then you're reporting mispayments not only that but you had mispayments in february and march as well and then you started making it out for the next two months and then you just for four months it doesn't matter it doesn't matter you want to go into this relationship you guys might go on a loan together get a house together but now with your kind of credit right they're gonna see this history they're gonna be like you as they should because you're not responsible with that you're not responsible you're not a credit card person No, I'm not.

32:22No. And you know, I don't really feel the need to have credit cards because I've had the payday loans. It's just all going. What a statement. So what a statement. But the cost of a payday loan, if you pay it back right away, it's like$20. I mean, you haven't started to pay on the current one taken out. Which one? I don't know. This is the current one taken out. Oh, we're getting to it. Yeah. Okay. Yeah. We'll get to it. You haven't started yet. So. Well, it pays off. You're talking about on your paycheck. like the day you get paid they pull out the money you have just been in this like cycle auto full yeah it just pays it off that day and so it's been like this vicious cycle where every paycheck i kind of had to and i think that's where i'm drowning if you just cut back 600 one time going out to eat in a month you would have fixed it and then i got the parking ticket or the speeding ticket and it was just okay so that happens do it the next month then that's what i'm gonna do but it just feels like every time i reach what you're doing well it's not what I'm doing, but every time I reach out my way - I have your spending statement, and oh, they are pages long.

33:20So I don't know what the f*** you're talking about. You're bulls*** now is what you're doing, and I don't accept bulls*** at this table. Okay, that's fair. Uh-huh. So why trying to lie to me? Don't do that. That doesn't get us anywhere. Well, it wasn't a lie. No, come on. But you said I'm going to try that next time. No, you're not. I have your damn statement. And f*** you, it wasn't the parking ticket. This is your last damn month you spent$600. So why bulls***? We don't get to the good place you want to get, and I want to see you get and they want to see you get if we're lying to each other.

33:50So don't bull me. For f***ing sake. You're four times, you're going to pay this off less than you went out to eat, but you're like no, I would rather destroy my credit. What is the point? This is money you sign a contract to borrow. You don't feel obligated to pay it back in any way whatsoever? I guess that's where, yeah, I guess that's what that means by my actions. I just haven't thought of this. What do you think? In your brain. I thought that it wasn't affecting my credit that much. Missing payment and overutilization? Do you look? This is. Do you. Okay. This is just another one of those things.

34:26I feel like I'm on this trend right now of just the. You have access to so much information. You don't think this is impacting your credit. If you are in the world of credit, why have you not looked at what impacts my credit? Also, this would tell you that it impacts your credit. What account? What app are you using? What is this pulled from? Credit Karma. it tells you it tells you what's impacting your credit and it tells you usually next to what items or what category in your credit score are they being impacted so it literally is a cheat sheet right in front of you it tells you if it's a high pack high impact medium or low you're just you're at that point i'm sorry that's a stupidity that's a stupidity that's not laziness that's just dumb because you're not looking at the damn app that you pulled this from so when it closes it hurts more well this is probably gonna get sold to collections relatively soon if you don't pay it off i'll pay it off before it goes to collections you might get like a 30 point hit in your credit score if it gets sold off to collections oh this is their in their internal collections as far as i can tell now it's gonna go to collections before you know they're gonna feel like oh i'm not getting my 441 let me sell for pennies on the dollar and then they're gonna try to fight to get it they've been calling me yes yeah but pay it now okay no how much is in your checking account right now Like$78?

35:43How? You make too much money for that. How? Possibly. Oh, wait. I know because I've seen your checking account. For f***s sake. Okay. This probably still has a minimum monthly payment. What is it? I don't know that it does. It used to have like a payment. Well, right now it's at$2.51. That's what's owed. $2.15 because it's back multiple payments. It's probably something like$49. Okay. Okay. So I'm going to put that in. If you at least start making it on, they won't sell it to collections. Just make a damn payment. Okay. Very f***ed. Okay. Okay. See, I have a Capital One with$81. It says it's active.

36:23Yes. Actually, I do. I have that credit card, yeah. But I just recently got it not too long ago. Show me it. Pull up the app. You didn't send a damn statement. Oh. We asked for statements of every account. Come on, guys. If you're a manager, you give out instructions. How can you not follow instructions? I just recently. I don't want to be a f*** to you, but come on. I don't even use it that often. Well, it has a free border balance. Yeah, it does. It sure does. You're not a credit card person. If you're going to use a credit card, use it like a fizz card. It's a debit card. It builds credit. Use one of those.

36:55Okay, this. Okay. This. Okay. What do you want to see? The transactions? No, why don't you just give me access to the app. Little laugh tease, huh? Huh? What do we got? What are we looking at? Take a drink for this. I got some gas. oh we got schlotzkies just a couple days ago day before that panda express guys poor mr jacob over there he went through all your spending fun fact jake it's probably twice as worse no is what you thought you're spending every day though then we got our nails did there's your interest amazon this is constant pizza and rolls dreamer hotel vegas holy smokes there's just a single person on the show that does not have a nicotine addiction I'm gonna die what is your preference for your consumption of the nic I just vape but it's only when I'm drinking like it's probably after a night of drinking stop you're spending a lot of money at the place you work at I know and you know what those are not grocery shopping type prices those are like we're stopping and we're getting a little snack or a sweet treat oh you're kidding me What kind of snack are you getting?

38:07What are you doing? This is like multiple times. This is endlessly. Grocery, grocery, grocery, grocery, grocery. But they're not groceries. I'm there all day. Yep. All day. You don't think people that go to their jobs or at their jobs all day. I've been here all day so far. What do you think I did? What do you think I did? I had a little protein bar. A little protein bar that we pre-ordered instead of me going and buying lunch. That's fair. There's also a culture too at the store where everybody wants to like go out to lunch and I need to just say no because everybody's been like, oh, let's go here, let's go here.

38:35And if you don't do that, there's a little bit of like ostracist. I can't say the word. Hey, you look at me. My job is to sit right here and be the absolute stunning figure that I am. And some things I can't help, like my incredible ass, which is why you're all here, of course. But also some things are in my control. For example, the pearly whites. I yap a lot. Some would say too much. And I get that. But listen, if I'm going to yap, my teeth may as well look pretty damn good. But the thing is, I drink a lot of coffee to get through the audits. And I started noticing some staining on my teeth.

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39:47And I love a moon from the summer. That moon milk. That lactates from my teeth. I love it. I love it. I can afford it. You also owe$264 on here. Available credit to spend. ladies and gentlemen$35 it's maxed out kidding me great and you couldn't even send a statement so you probably didn't even know how much is on here$264.10 what's the minimum monthly payment oh guys it's like 30 bucks I don't pay auto pay is set to off well I pay it you for yeah but guess what happened to the last card guess what happened to the damn last card that's fair that's fair That's fair. We have four missed payments.