Failed Artist Can't Handle Poverty

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. Hi, I'm Savannah. I'm 25. I'm from Austin, Texas, and this is Financial Audit. So what do you do here for a living in Austin? So I work as a digital image editor for a tech company. Okay, very cool. And how much are we making in that? So I'm making$3 ,600 a month, and that's after taxes. That's your net? $3 ,600? Yes. Okay, because I have here... I said you work 70... This is... Hold on. so that's not what happened here yeah brought in 1 ,735 so that was like an exception because i did take some time off took like an extended lunch um to go to lunch yeah to go to my roommate's um white coat ceremony so that was like so that lost half your pay yeah it's just you know i wanted to be there to like support them and i was like so you're gone for two weeks that's your extended lunch no i was gone for like i think it was like two hours instead of 30 minutes how do you lose half your pay from that that doesn't make sense i you make 3600 after taxes 3600 a month 1800 a paycheck normally yeah but this was after working almost 80 hours 76 hours what are you talking about i'm talking about like two weeks so that's like 80 hours a week is you do not work 80 hours a week do you normally i work 80 hours a week just not at that point that's why i had the 1735 and then it's okay 1800 no this makes sense sorry that makes sense so this is your two-week paycheck you don't work 80 hours a week so this is your two-week paycheck so that's not that different yeah one seven three five so in this case 3470 is what you would have made this month but usually it's closer to 3 ,600 yes okay that makes more sense yeah sorry no it's okay i had a little disconnect there i probably looked like a dummy but that's okay no it's not good and it's probably going to look something similar this month just because i did take time off to go to the doctors so it'll probably look similar to that too do you not have like paid no so we don't have any paid time off um we have three days that we can call out but we don't three days This is per?

2:21Per year. What the f***? It's a 12 month contract. What the f***? This is a contract? Yes. When's the 12 months done? Next month. And then what? Then what are you doing for a living? Then I'm currently applying to jobs. Oh. Part time. So nothing's lined up? No. I haven't gotten any callbacks. And then even people who are trying to come back to their contract, they're not getting any luck either. Great. What were you doing before this 12 months? So I was working. Well, okay. So I did last month last year was kind of weird. So it was like I was working at a gallery while doing part time at school.

2:56And then I worked as an overnight stalker while I was transitioning. Transitioning. Okay. Yeah. Transitioning from the gallery to the new job that I have. You have a degree. Yes. And so I have two degrees. I graduated with studio art, a BFA and then a BS in radio, television and film from ET. Okay. But that was back in 2020. Okay. so then last year well okay so the end of 2020 i guess 2022 um i went back to school for a six month coding boot camp oh boot camps are good i mean i like certifications through course careers and there's good boot camps around here there's a lot of good things like that what would you do so i went for full stack web development and i'm going towards doing full front end web development okay so you found that's your passion or just that's the money it's very competitive market right now yeah that's the downside when i found out was like right when the end of my coding boom camp it was kind of like oh well the market's actually really you're in a decent town for it but even still it's like yeah it's you're going to be competing against a lot of other people all right so what is your financial situation what are we looking at here today i would say it's pretty bad so like oh okay so whenever i went to college in the first like first time i went to school um my parents they just gave me like a credit card and like here we don't want you to work um while you're in school so we're just gonna give you a credit card and then you'll be fine we'll help pay it off and so i was like okay wait but the credit card was under your name or theirs it was under my name so they didn't give you a credit card they convinced you to take out a credit card yes i guess but like so it was me and my sibling um because we're on one on one yeah so So I have one and it was 300 starting off and then it kind of.

4:47You were both on it. Someone was an authorized user. No, they had their own credit card. So they went for both of us. So your parents convinced you both to open up credit cards. Yes. Okay. So they were like, yeah, we want you to build credit. So here's a credit card. And they said, we're paid off. So we just want you to go to school. So then you'll be fine. And even. Okay, no offense, but this is not one credit card that we're going through. You also have like a really stupid car debt. Did your parents make you get really stupid car debt? Not. Well, okay. So for that, they pretty much had like no money.

5:29So they were just like, here. So what does your parents having money have to do with it? It's your life. You're an adult. Well, it's like. Do you blame your parents for everything? Well, right now, they're kind of like, they didn't really teach me anything about, like, Oh, come on. No one gets taught this shit. No one gets taught that in America. I mean, if you're lucky, you are, but you learn it yourself. Well, they didn't even teach you about, like, spending. But if you're just blaming people immediately, like, what the f***? That's just, like, deflection ultimate right out of the gate. Well, like, they didn't even tell us, like, I didn't even know about the whole, like, Oh, only have rent that's 30 % of your income.

6:03Yeah, me either. I didn't find that out until maybe, like, last year? Yeah. That's how that happens. But you're blaming them now. Well, because even right now, their situation is really crap. And I'm like... Who cares? That's not you. Like, still, though, it's like... Oh, my... All right. Okay. Well, we'll get into that. Now I know why Brandon gave us interrogation lighting today. And they didn't even just do that to me. Okay. They also did it for, like, all my other siblings, too, so... Okay. Calm down. And then... Okay. What? So I also have student loan debt. I know. We're going to go through your debt.

6:45Their advice was to just take out all the loans. Like tuition, any money they can give me, I accepted. And I also did summer school. You mean like student loan providers? Yes. So the government student loans. And they told that to me, my brother, and then pretty much my other siblings too. Like, oh, we don't have money for college, so just take out the loans and we'll help you pay for it after you're done with college. And now that those are back. It's a bit weird. I would love to hear their side of it, though, if they would agree that that's exactly how that transpired. I would say it's like not their exact first, but definitely like, hey, do the FAFSA, do this, and then we will pay for it.

7:28We will pay for it. They took out the Parent Plus loans. And they were like, well, what about the ones you took out? They said they would pay for it? They said, don't worry about it now. Wait till you graduate and then you can get a job. You'll be fine. State of financial literacy in this country. Yeah. All right. Give yourself a score. Zero to ten. Zero being the worst, ten being the best. Where do you think you are finances? One. I'm going to say one. Okay. Well, that's fair enough. If you want your hammer financial score, it's free in the description below. This is Ohio. ladies and gentlemen this is a pile yeah paypal credit paypal credit i've had i've had it's it's weird to call this fun but i've had fun with paypal credit because it's like a good way to zero percent finance things and like finesse the system and you know that's not how you're doing it no what did you do on this so i actually accidentally signed up for it um so i was buying a camera on ebay and it was like oh finance it if you do like the paypal credit and i was like okay great so i applied and then i didn't hear anything back from it and then it was like oh well here's three hundred dollars that you can get and i was like okay that's kind of weird but then i couldn't have access to it so then i applied again and then it got me the paypal credit so i actually have two paypal accounts the paypal card and the paypal credit and they said you could get 300 for it that one the original balance of the credit i think was like 1500 yes the limit is 1500 you have 1200 13.85 with 30.44 of interest accruing in a minimum monthly payment of 42 yeah but when you got the product yeah how are you how are you expecting to pay for the product in the first place i was ebay product i was gonna like pay it the minimum monthly and no no no no no, no, no, no, no, no, no.

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10:00Pay for it I was just not going to get it Because then I didn't have the money for it So you applied to buy it and you thought That's not an accident though You applied for it You applied for the credit, that's not an accident You just got approved Well I mean like if they approve it Then that's great Then I'll be like okay then I can use that Which is what happened That's not an accident, you applied for it I didn't understand what the two separate accounts were I thought they were the same account You shouldn't apply for anything that you don't understand Okay No? I mean yes I agree with that I think at that time I was like Oh well you know It's fine because then I have an extra credit card So then if I need that for emergencies I'll just leave it alone Which that didn't happen So I'm guessing I mean just from the sounds of it Now, I, some of the things that you said, okay, correct.

10:56Like, if they said, just go, I mean, they're your parents. They're who you listen to. They're like, just go, take it. Yeah, that's, that's. Now, some of the deflection that you're like, oh, but they didn't teach me and all this stuff like that. It's like, okay, come on. No one else gets taught that. And, like, they didn't convince you to build your balances on the credit cards. But I'm assuming through the lack of knowledge from them, lack of knowledge to you. have you ever heard of this little fancy thing known as an emergency fund no actually okay so credit cards uh they don't really cover they're not really good for emergencies because they accumulate interest you'll never beat it with your investments really unless you have some weird unicorn we have an emergency fund to cover those expenses but if you do have to put it on a credit card which sometimes that does happen in situations where people do not have a fully funded emergency fund yet, then you cut down on everything, you cut down on absolutely everything, everything, everything, everything, until you pay off that debt and then build up the fully funded emergency fund.

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13:08Plus, they offer more than just life insurance. We're talking free digital wills. Another thing you definitely need, investment accounts for your kiddos to start setting them up for financial success, and tools to manage your family's finances, all right from your phone. So do yourself a favor and head to meetfabric.com slash Caleb and apply today to lock in your low rates now. Especially if you're young and healthy, there is no better time to do it. It's quick, there's no risk to apply with their 30-day money-back guarantee, and you can cancel anytime. time seriously don't wait apply now at meetfabric.com slash caleb m-e-e-t fabric.com slash caleb thanks again to fabric for sponsoring this episode well so i i thought about like saving up money like having some kind of savings account but when i brought it up in conversation like oh should i be saving for my retirement and all that stuff my parents well we've learned that your parents are stupid when it comes to finances so why even talk to them because they were kind of like the only like adult i guess i felt like i could yeah but obviously not financially now i'm like no now okay how long did it take you to learn that six years seven years six months that i'm like okay so when you were going into all the student loan debt you didn't realize that was bad until just recently yes when they started asking for like student loans to start paying now now it's actually like i have to start because then now they're saying oh well we can't pay the parent plus zone we need you to pay this thing you bought on ebay once you realize even if it was an accident even though that's not how it works why don't you just sell it because i really like the camera and okay so you wanted it so you would have gotten anyway with that okay so it wasn't an accident because if it was an accident what i do is whoopsie it's uh an accident let me get rid of it and then pay off the debt that's what i do when an accident happens yeah but like it was a really good camera and okay well that's you know but then it wasn't an accident you would solve it.

15:00Also, you just can you afford this? I can kind of afford. Spoiler alert! Late payments coming! Can you afford this? I guess with the late payments no. And the account is closed. So I actually can't use the account anymore. Good. Why is it closed? Because I couldn't pay it. So then I had to catch up with the late fees and late payments. And so they closed the account. So I can't use it anymore. You have a Disney card. How the f***ing, why the f*** do you have a Disney card? so ironically we were at Disney and they were offering a promotion we'll give you I think it was like at the time like five hundred dollars if you sign up for Disney car and you get approved and I was like oh that seems like a good idea if we go to Disney so I signed up and then they approved it and if you spend a certain amount you'll get that money back so then I spent it for another Disney vacation to get the rewards dollars and at that time my parents were also like oh we'll help you pay it back and this thing would they what i'm just i just need to know would they agree would they agree if i called them right now would they say yes that's what we said we said we will pay back all of her little debts if she takes out the debts they'd probably say yes but but but but they'll probably like oh well she's an adult she can pay it well i mean yeah no and you took it out it was still your responsibility but of course i mean there could be some manipulation behind it they said they would pay for and they really tried to convince you to get it but they would agree with that i mean now they probably would

16:37probably i mean yeah they're just kind of like no we yeah it's your debt you take care of it yeah but would they agree that they convinced you to take it out and saying they'd pay for it well my mom was there when i signed up for the card and she was like okay yeah just do this and it'll be fine. And I was like, okay. That's different than saying she'll pay for it. Saying it'll be fine is different than I will pay for this. Well, for a bit, they were kind of helping me pay for it. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no. Did they say they would pay for it?

17:10They didn't say those exact words.

17:15The f***? Why say that then? Why? I mean, that's just like an immediate, just like, you're just trying to, like, you're bulls***. okay on the disney card the special little disney princess card limit three thousand dollars but we're over that by 51.25 great

17:36oh what it said it's it said it's a limit why are you purchasing 374 dollars 21 cents if it's accruing 53 dollars and you're only making the minimum monthly payment and it's at its limit now it's above the limit because of the interest rate why are you possibly purchasing $374.21 I kind of So you get rewards dollars if you use it for groceries Yeah but why are you putting that on a Card that is at the limit Because I don't Have money so then when I pay the card And if that's your money I have My dude I have this fresh Little document here Bullshit dude with 7 % of your spending Going out I don't have money i don't have money i don't have money is that what you said miscellaneous bull things that do not improve or benefit your life in any way whatsoever 14.7 percent of your spending i don't have money that is a choice you're spending it all dude

18:40what's the balance of this from from so or is it just these 374 dollars of purchases Also what are you talking about What are you talking about You went to the Alamo Draft House Living Tombstone Chick-fil-A Alliance event This isn't I don't have money This is you spending on a bull The f*** are you talking about lying to me like that Come on I forgot that I did use it to buy tickets To a concert Because they had pre-sale prices How do you think you can afford to go to a concert If you have late payments on other things that are coming I would just pay it but you can't afford and then you went out to eat twice what's that little smirk no it's just you know like i did forget that i used it and it wasn't until you ever budgeted in your life i tried i had like a spreadsheet of like what needs to be paid and when and then when i calculated it it was negative how'd that go i stopped doing it why because i didn't have money for food or gas why don't you care I do Because someone who cares would continue it And try to figure out a way Someone who cares would pick up a part time job if they don't have the money Which by the way again Minimum 25 % of your spending went to bull So last year a lot Happened and that's kind of why I haven't Gotten a part time job What happened?

20:01So one I moved I did make a bad choice on that Everyone moves okay so what So I ended up taking up an apartment with 1700 rent You're in a 1700 rent place not right now i moved out okay but that's after paying the lease break which was a whole month's rent on top of the month's rent yeah um so i was there for three months and then my cat that i had she got sick so i had to take her to the vet you didn't have pen insurance i did not have pen insurance because get pen insurance when i did they didn't cover anything because it was per her pre-existing condition she was 16 oh um so each vet visit was like 275 and then the third I went I had to put her down So that was Another like 200 To creamator Why'd you move into a 1700 Because I didn't have any money To move anywhere else What wait what do you mean So I didn't have money for security deposit And my credit score tank And Are you saying you were already there Yeah it was really bad last year Like early last year because I wasn't able to work full time Because I was doing No, no, no.

21:09What was the – it was$1 ,700. What was it before? It was$1 ,100. I was sharing it with my brother. So it was like split. It was like – And was he staying there or did he move out and that's how the cost went up for you? He moved out. So you were covering the double, his portion. Well, I moved from a two-bedroom to a one-bedroom and that one-bedroom was$1 ,700. So you did move, which is not complexes. I used – so I kind of – If you couldn't – no offense, but if you couldn't scrap together enough for a security deposit, How do you think you could afford$600 more a month in rent? I just started my new job and I was just trying to scrape by.

21:44But if you're trying to scrape by, does$600 a month more? I'm not even saying put things on credit cards, but I'd put a security deposit on a credit card. At that point, it would save money. And that's still a terrible idea, but it's a better idea than what you did. Okay, either way, you broke the lease. What's your rent now? Right now, I only pay$890. so it's more like okay what should be around um and then i pay about 70 to utility utilities yeah and i split it with my roommate or split so that's only my portion so the total i think is like like 1770 a month um between like for both of us for a two-bedroom we'll teach you how to budget i'm gonna create a budget for you and we're gonna go through things but you're gonna go through our budgeting class we're putting we put you through it for free i'll teach you everything you need to know about budgeting you'll stick to a budget there okay so what do we got going on here dentistry this is what you owe 200 yes so yeah that's a well i got because my insurance wasn't going to cover the the world moves fast your work day even faster pitching products drafting reports, analyzing data.

22:59Microsoft 365 Copilot is your AI assistant for work built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use, helping you quickly write, analyze, create, and summarize so you can cut through clutter and clear a path to your best work. Learn more at Microsoft.com slash M365 Copilot. Sorry, I was having a lot of teeth pain, so they needed to do an extra girl shall we one more time going out to eat 345 extra bull 725 why'd you not pay this 200 that you owe what the f*** are you doing you're f***ing around well because just being irresponsible you're not 25 you're 15 well because i'm like i'm not sure if i want to i wasn't sure what to do about that what what do you mean you pay it what what do you mean well because it's like if i make a payment to the card but then the interest takes out the payment of the card you're talking about you just pay this off it's 200 and you spent 900 what are you talking about yeah i was just trying to figure out how to pay that because i also got you just pay it all your money whatever what do you mean you're just trying to figure it out i want to understand that logic a little better so i can understand what you're talking about well because i'm worried that if i pay it then that money that i paid it could have paid something else but you didn't yeah it went out to eat it went out to eat it didn't go to paying other things what the f*** are you talking about well i was thinking when i get paid this week that i was gonna call and then talk about paying partial why didn't you last partial why why you have the money if you cut back you're spending on other things why is paying your bills not important to you as a person as a human as an adult plan on it no you could have why haven't you why aren't you being mature because i'm like yeah it's no no no why i couldn't why did you actively choose not to pay this don't tell me because you're trying to figure it out i want to know why you had this bill and you chose to ignore it when you went and spent your money on bull that we haven't gotten to yet i just have a little other bills that i don't think well listen to the second part of my question where instead you went and spend it on bullshit we haven't gotten to yet.

25:15So why did you not pay this off instead of going to those things? I didn't have the money. Am I are my words not flowing to that side of the table? Like all of them are only half of them making it? Why did you not pay this instead of? Instead of? Instead of? The other$900 you spent on both. The instead of is the key part. Didn't have money, but you went and spent it on that stuff. So why did they go to this stuff instead of this? I don't know. Okay. Okay.

26:01If you need to get yelled at, go to Calebhammer.com slash casting because this world needs to. I know there's more people out there. slash apply i'm sorry keilfemmer.com slash apply okay i might need a breather oh especially after this now for what it's worth i had some sally may loans when i was being a dumb and i didn't understand anything about finances this was the exact conversation i needed to have hopefully i would have been able to answer that last question but who knows but you have sally may you went to that that sally she's kind of a yeah not the biggest fan of this this miss sally sally may we owe 17 120 dollars to 71 cents so So when you said your parents told you to take out debt, did they also say do private debt?

27:03So that one was my choice. Oh, we've taken responsibility. This is interesting. Because I decided to go back to school and that's where I got the coding boot camp certificate. This? Yes. This was the cause of a coding boot camp? Yes. Through who? Through UT. Oh, that's an expensive one. Yeah, it's a six month. I've looked at that one before. Yeah. It's a good one, but it's always expensive. Yeah. And so I was looking for a career change because I wasn't really making a whole lot of money. And that's when I noticed that like my bills I was falling behind. So. Well, that's because you're spending, dude.

27:37That's because you're spending. Trust me. You in your situation, more income is not going to solve your problems. You're just going to inflate your lifestyles around that. I would love you to work in this field if this is what you want to do. But that's not what solves it. That's not what solves your problem. Yeah. I'd say it's a combination of last year because other stuff happens. and then trying to adjust this year. Well, and also my car. What happened? The car that I have here? It was a different car that I was done paying off. Yeah. So I only had$50 left to pay. And then the hailstorm hit Austin in September.

28:10Yeah, and you had insurance. Yes, so it totaled the car. And you had insurance. I did have insurance. So I did have the insurance to make a down payment on the car that I have now. But my credit score was tanked. And I didn't have anyone. I didn't know anyone that had credit. credit what was the down payment you got i got 8 500 oh me oh my gosh when we get to this car knowing that that makes it even worse yeah oh stay tuned for that ladies and gentlemen if you like car loans that make you shiver wither up and die yeah and then i also but you're planning to work part-time you said at the end of this i'm looking for a full-time job so i've been applying to four-time jobs but in the meantime what jobs are you applying to so i'm looking for um full stack development jobs yeah but also like front and web development jobs and then i also recently applied to a qa tester job are you open to doing any kind of internships or anything like that as well getting a foot in the door i was because the market's a bit harder right now yeah and that's what i was looking at too whether or not that's something i could do because i did see a lot of like oh well you need six to eight years experience or you need to be in a computer science degree I mean obviously they want the best of the best candidates and there is an oversupply of people in this field right now just for where the job market is if you had a lot of experience in talent and AI that's where people are shoving out money right now but that's again that's for the people at the top of that game it's really interesting to follow that market I've been mainly applying to jobs that are here in Austin but I'm going to start looking elsewhere and see if you might have to go more for smaller companies that have you know lower pay available so like people with that large amount of experience might not accept the job but it allows you to build experience and a resume and that's kind of why i'm here too is like to figure out what like with the amount of debt i have what can i manage or if i just need to shut everything down and then you said you've been applying for part-time jobs yes what so chick-fil-a alma draft house since i've gone how have you not gotten chick-fil-a I haven't heard yet I got some grilled nuggies I'm losing weight guys I'm down like 3 pounds and they have good food and I got some grilled nuggies yesterday and so it's a bunch of bunch of twinks and tweens yeah it's just like unless they're only looking for twinks and tweens I don't see how you're not getting yeah I haven't heard back well when did you apply?

30:36I applied to specifically Chick-fil-A like last this last weekend so very recent oh okay well that's 3 days ago so it's not okay well that isn't shocking yeah yeah i mean apply for everything like that um obviously that's not where we're hoping to stay but you do because you said when does this end again it my last days on the 31st oh but my last paycheck's on the fifth okay um and so yeah oh yeah because we all need some income to replace yeah hmm a good question and i've looked No, if you could look this up for me. If you're on a contract position, you don't qualify for unemployment, do you?

31:13Because it has a known end. So I've heard, but the most I could get would be like$5.12, I think, per week. And that's according to someone that I know that just finished up the contract. And the contract requires three months break. And there's no guarantee they can hire me back. The Salimé for the boot camp,$248 a month. And it's almost 14%. And that one is automatic payment So I haven't been late on that I've been making the payments Because it kind of goes through Until you're negative in a checking account Another spoiler Is this just insurance Or is this a DAT2 insurance That is my insurance And it went up 20 bucks I think this year This is the car That is not the car The car is coming yeah oh okay a 32.02 percent personal loan worse than a credit card yeah worse than like bad credit cards of 5 799 dollars and 50 cents are we blaming this on the parents again or what the going on here that was me a few years ago struggling to try and make it on my own and they sent a check in the mail and i was trying to pay rent oh no and i thought it was a good idea Oh no it was one of those loan checks Yeah Obviously they Wouldn't exist if people didn't take them out But I don't think I've ever met anyone who actually took it out That's wild And instead of working more I did work two jobs At a time I was working 50 hours But again it's like low paying jobs Sure but I mean if we're just trying to survive again I bet your spending did not help I mean come on but I don't have access to the documents then so I don't know for sure I'd rather work 50 to 60 hours then instead of taking out a 32.02 % interest rate of death because this thing is going to take forever to pay off $5 ,799.15 oh that was the original thank you you've heard this forever no it's so bad it's$3 ,000 what are you talking about yeah so they had the thing of like oh well if you apply for more they would just hold off on you owing money so that's kind of why that balance had grown to that bad was because i could have many times did you do that did once and it was because it was towards the holidays you're addicted to that 130 dollar minimum payment this is yeah we're making little progress here right yeah it's a 44 month loan okay listen personal finance is hard and i struggled with it for a long time until i personally educated myself we decided to create resources that can actually help people at an affordable price.

34:02So if you want to learn how to budget, we have the best budgeting program in the history of the internet. But if education and quizzes and resources like that are not what you're looking for, we also have a unique coaching program with a licensed professional who you can sit down with cheaper than anywhere else. We made these resources for you so you can change your life around and have the best financial future possible. They're at the top of the description below. I highly encourage checking them out on the i will say on the bright side oh there's a bright side of this somehow um because of how much debt i have and how much my credit score taints i can't i'm not qualified to be financed for anything oh good yeah that's a all right yeah celebrate so i can't even if i wanted to oh paypal part two this is a classic paypal yeah and that one i've been debating if i should just pay it off now or just like again again you could have paid this 291 dollars and the other medical bill you could have paid that instead of like globbing down food that's it and also is the answer you don't know why you didn't pay because you're considering this so you've considered it but you actively chose not to then yes but that one i've actually been trying to i was close to paying it off and then dude you put 21 and 65 cents a purchase on there so that was last one yes the month before i was actually higher but then i forgot my debit card at the grocery store and i was already in line you don't just have the same wallet with you everywhere i do it's just sometimes my cards end up in my pocket in my dirty laundry or buried somewhere.

35:45Interest fees? $34.75 of fees? What? Oh, is it a late fee? Oh, it was a late fee. Yeah. We're having late fees. Are we going out to eat? Are we getting concert tickets? No, the answer's no. What you say is no is the answer. Okay, no. Proud of you. You made it. This wasn't going to the grocery store. Again, you f*** me. I believed you because you're a human being Sitting across from me So I believed you Patreon $21.65 Patreon Better be subscribing to our post show No but that's only$5 a month I actually Didn't know that was attached to the card I thought it was attached to my debit card Does it matter either way You can't afford it you have late fees Yeah I just thought What is a$20 hour a month patreon so 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.

37:05Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. It's a Patreon that has, like, translated novels on it. And they update every day with, like, chapters. And I'm a big reader. Okay, you can't afford it. Go to the library. Congratulations. We have a nice one here. I've been there. It's good. It's pretty nice. It's just the travel. Oh, no. Roads. you pay a lot for your car use it oh care credit yeah not when I used to cover my cat's bills when I I had the cat insurance and that's when I found out they weren't going to cover anything but that's also when I found out she had a heart defect she's alive she's dead I'm sorry that sucks pets are the best cats and dogs love them all yeah and I had her for 16 years so that's really hard dude we have fees again we can't be having fees even in a sad moment we can't be having fees you need a tissue if you want i know i'd be sad i couldn't know i like it's like the worst day ever losing what's essentially like a sibling

38:24747 dollars and five cents on here interest charging 17 dollars 13 cents fees told dollars and 20 cents and minimum payment of 30 and i did catch up on that one because that one was always overdraft and it did reduce the original balance so originally it was 1200 and then as i've been paying it off they've been reducing the balance you may qualify for our employment highly depends on the details capital one we continue we're on uh one two three four five six seven now nine nine debt 25 years old capital one was my fault okay go on i used to work at a craft store and it had deals and that was when i deals that was when i first moved into a better apartment than where i was living at before no it's a bad deal 30 interest and then i kind of just used that to help pay for rent or for At the time, decorations and furniture and things for my apartment.

39:35$48 of interest. The limits of$2 ,000 or at$1 ,946.58. So, the$68 minimum of payment. 30 % interest. I'm working on paying that one off. I think we have different definitions of working. Apple. Because you have every card. You have every card. owned to mankind $1 ,213.76 okay with a$40 minimum monthly payment the balance has only gone up so that's great interest$27.82 27.24 % interest okay what was that? so that one was defined as my iPad which I do use iPad iPad. I do use every day. This is the most iPad's ever been used. Really? Yes. I swear most people buy an iPad and then it sits on a table uncharged for the remainder of its lifetime.

40:31No I did to read to watch TV to draw on all the works. You don't have a computer you don't have. My I used to have a MacBook but that died and I didn't have money for a new MacBook. It works. It works. Watching TV. I mean I'd get a Kindle for like a couple hundred bucks. I do have a Kindle. This is a thousand dollars. Yes. A thousand two hundred thirteen dollars. You could have got like a three hundred dollar Kindle. right i guess i could you just wanted something nice and you went into debt for it come on okay i do it's just i was also looking for procreate too because that's procreate and that was that's an art program uh-huh and that was the main reason why i got the ipad a want yes yeah how does it get bigger this is the biggest one besides the sally may yeah wells fargo that was from that original credit card from a long time ago that just got worse.

41:27The$300. It started at$300 and went to$4 ,923.05. Yes. I did close that account. Close all the accounts. You're not a credit card person. Use the Fizz card if you're going to use a card to build credit. You are not a credit card person. You need to close all these accounts, chop up the cards. You cannot have access to these. You just can't. You're irresponsible. You can't. You have no capability of managing this by any means. You're probably great at many aspects of life This you're not And that's okay Admit your flaws And fix them Cut it Don't allow yourself to be But that one actually What's the limit on this?

42:08That one originally was$5 ,500 But since it's closed I've just been reducing it Because it just built interest Because the minimum payment was like$150 And so right now the interest is at 1 % For 12 months for 12 months when does 12 months end i think august of this year that's basically coming up right around the corner yeah and we're still at 4 923 99.21 cents of interest uh is your minimum monthly payment yeah

42:39yeah and they were trying not to get me to close it but i was like no i'm not paying yeah capital one car vroom vroom that is the car yes zoom zoom what did you get what's the car It's a 2015 CRV, Honda. At$16 ,634.62. The minimum monthly payment of$441. Yeah. In your situation, you have no job coming up. That's scary. Yeah. I remember the interest rate being bad. What is it? Because it's not on here. 18%. Are you? Yeah. Well, that's. And it's over five years. And you put how much down on it again? I put $6 ,500 Okay, you put$6 ,500 down on this car You owe$16 ,634 On it An 18 % interest But it's only worth$10 ,000 by the way Yeah, I was looking for a car That was sturdy Sturdy?