Failed Camgirl Is A Literal Clown | Financial Audit

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0:30Hi, my name is Natalie. I'm 33 years old. I'm from Chicago, Illinois, and this is Financial Audit. Love Chicago. Hate the winter. What do you do up there for a living? I am a bartender. Okay, bartender. Can be good. Can be bad. Depends. How much do you make? Not enough. I'm a daytime bartender. This is the bad version. Daytime, yes, because that is a great time to drink, sure. So how much are you making? I make a decent hourly because I am a daytime bartender. Sometimes I leave with$4 in tips for a whole day. What time does daytime start as in your shift? We open at 11 and I leave at 4. Is it a literal bar?

1:16It's a restaurant in a hotel. How much do you bring it in? What's your hourly? 15 an hour. Okay. Okay, Chicago, as far as the major cities go, it's actually one of the cheaper ones by far. When it comes to major cities, it just kind of works out like that. Decreasing population in the city. You know? Just works. So how do you feel living on this$15 plus$4 a shift in Chicago? Not well at all. I am unable to get my own place. Well, who do you live with? I live with my little brother right now. Your little brother? Is that your little brother? Yeah. That's your little brother. No, that's not my little brother.

1:57Yes, boyfriend. Okay, okay. I don't ask people. They are the same age though. Okay, so living with your little brother, that's kind of interesting. How old's your little brother? He's 28. When did you move in with him? About two years ago now, I just lost my house. You lost your house? Yeah. What is losing a house? What do you mean lost house? Did you own a house? My mom bought me a house to raise my children in. Do you have children? I do. I have three. Hold on. Okay. What are the ages of the kids? My oldest is... Okay, sorry. My oldest is 14. My middle kiddo is 11. And then my youngest is about to be nine.

2:41Your mom bought you a house. What does that mean? What did that look like? She bought a house. In cash? No, not in cash. So she had a loan? Yes. okay so they're okay and um i was to pay the mortgage and all the bills and whatever i just didn't have the money to put up for um mortgage what happened to the house um it got destroyed i uh i was severely depressed i stopped working and they had to sell it is that being destroyed or is that it being sold well i also was fostering animals that i wasn't able to keep up with what is happening i'm this okay i'm sorry i want to start from a point because this is keeping going down insanity yeah um it's bad there was a house yes mom financed it yes you didn't pay on it and then she didn't pay on it no she did she she was continually taking I was taking care of the mortgage.

3:45Okay. Then what do you mean you lost the house? I wasn't able to keep up with my - She kicked you out of the house? Yes. So the house was not lost. She owns it. You just got kicked out for being a - She sold it. Tenant. Yes. Okay. So you didn't lose the house. I understand what you're saying. Okay. It sounds a little different. Yeah. You make it sound like you lost the house as in like a hurricane came in and took it away. Okay. Classic Chicago hurricanes. and you destroyed it by just like you just put the entire inside with a bunch of fosters yeah i had what is that like a hundred dogs it was a couple of dogs that kept um they weren't being potty trained okay then you were a bad foster yeah well i yeah yeah i was guys for just a few weeks only our brand new debt class is 35 off and the first 500 people that sign up we're and get access to a private livestream with me where I break down how I got out of every single cent of bad debt I was in.

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5:15I'll teach you the right frameworks for taking on debt. You'll get guides on refinancing, negotiating with lenders, and even raising money to tackle your debt head on. Check it out, guys. Limited time only. Link in the description below. Okay. You're not fostering still, are you? No. No. Good. I don't have any pets anymore right now. Probably good. But you have kids. i do a little more demanding they do live with their dad right now due to the fact that i don't have who is not boyfriend no okay that's my are they in chicago yes right down uh in a did it wait did i see you're getting support for the kids though no okay good i was gonna say they live with him no yeah no well how much came in through work i wasn't working at the time i had then why why did she get you in there with having to pay rent if you weren't making money I was being stalked by my ex-boyfriend and she wanted to get me and my children.

6:11Yeah, but she's requiring you to pay. Yes. But you didn't have a job. I was doing work online. So you were getting, you had a job then. It wasn't really like I was doing online work and that wasn't really an actual. Titty money. Yeah. How much were we making? Not enough. Maybe$600 every month or so. What is online? Is that like cam girl stuff? Yeah. Is that what we're talking? Yeah. Okay. 600 a month i didn't put a lot into it i was very uh mentally ill at the time so that didn't really help right now my mental health yes yes i've done a lot of work on that okay how long were you doing that the online work on and off for 13 years well when did you start when i was 18 oh me okay before only and all of that stuff started did you do that too i did i didn't why so much from the naughty naughties why why why in that world what compelled you to get to that world uh daddy issues actually or actually yeah no that that's actually yeah okay are we still doing that no i was the last time booby made penny over two and a half years ago oh okay awesome why'd you move away from it i was making my mental health even worse and i wanted to get better so i can that makes sense good i'm glad you made that choice for yourself well how much do you think came in now for work now yes what came in in this last month uh atm cash deposit that can't all be tips because that doesn't line up with the math you were telling me earlier an average day is about $60 but I can get as low as$4 maybe it does so you make more from tips than you do from work it's actually very like if I look at my paychecks they also have my tip things or show my credit card tips and it's very equal to that how much do you think came in I want to say a little under $3 ,000 that little was a lot because was only a little came in 1700 total 1700 but atm cash deposit of 1134 and then remote online deposit of 636 are we sure that was all cash tips the atm so you didn't get cash from anywhere else no i only get so you are getting more into are you putting everything into the account No, I am saving for a car.

8:47And I have to do that in a fake little ATM I have in my house. Because if I see the money, I spend the money. And you don't see it in your house? It's put away off to the side. Okay. Well, okay. And that's it. How much do you put towards that? A month? I don't have a specified amount. I just put as much as I can. Little or less, I guess. Depending on what's going on. I'm just trying to figure out what actually comes in. Because if you said a little under the$3 ,000, we're very far off. So are you saying you put$1 ,200 away into this car fund? Yes. Really? I have. Yes, I have. I took some out for this trip, but I have.

9:31No, no, no, no, no, no, no, no, no, no, no. Oh, wait.

9:36So you're saying like 40, 35 to 40 % of your money is being put in this cash fund on the side. My car did just break down. So, yes.

9:48There's missed payments on here. Yes. So I'm confused. There are accounts in here with missed payments. Yes. Why is almost half of our money going into this under the mattress? Because I need a car. How much is you're in Chicago? One, you actually don't. You're in one of the only cities where you don't. Like may as well take advantage of that. I got a three cities in the United States that you don't need a car. You're in it. My, uh, what do you call it? Commute for work is an hour each way. So, Oh sucks. People have done that forever. You can survive. You're a human that exists. What's your shift length?

10:28Six hours. Oh, Oh no. Yeah. Shut the fuck up or get a job closer to you. Yeah. Yeah. I no longer care about that. So how much is in this car fund? under the mattress? $1 ,200 right now. I had$1 ,400.

10:47When did you start saving for that? About a month and a half ago. Okay, that lines up. So$3 ,000 normally comes in. We literally just put that aside for the first time. Mm-hmm. Okay. I haven't been able to work regularly for a while, though, due to my health. I missed a lot of the most past couple of months due to health issues. What? I had appendicitis for two weeks before they found out. So I was back and forth trying to get doctors to listen to me. And then after the surgery, finally, I had another two weeks out for recovery. Yeah, that was fun. I did still go to work once with an active appendicitis.

11:30So, you know, I try. Health insurance situation? I'm on state. Yeah. And does that cover it fully? Yes. Thank God. Thank God. What's your rent to your brother? I'm supposed to pay$400 a month. Okay, supposed to pay. What's supposed to pay? Because I assume that means you're not. No, I'm not. So what? After stuffing$1 ,200 under a mattress, what? He wants me to get a car. Where do you need a car? Where in Chicago are you in? More suburb-y like. How suburb-y? Is there a train line near you? No. Get a closer job then. It's not like your job makes a ton of money. The reason I stick with my job is because my boss is so amazing when it comes to my health and my children and things like that you can get i you can get good bosses other places i'm not saying abandon it for any job but it doesn't mean we just never look for a job either at the same time we don't have to go into either the extremes i don't get you put your money so are you considering this investment for a car to make more money to pay off the debt yes is that your mindset yes because you're not doing anything in terms of paying your brother and paying for your rent yeah my brother would sorry paying for your rent and paying for your debt yeah your debt so with my brother the last car that i had he actually bought me himself so that i could get a job i um paid him back for that completely and then that car broke down so i'm he doesn't want to have to buy me my next car again so i am trying my best to do that

13:08you've kind of been dependent on people for ever it sounds like because you're well into adulthood and it's okay falling back on support systems and hard times that's not a bad thing it almost feels like you're more on dependency of family yeah what about boyfriend i try really hard not to depend on how long have you guys been together a year and a half okay any plans to live together Not yet. Why is that? Well, I'm still legally married to my ex-husband that I call him. You guys can't live together, though? No, I just don't feel like that's, we, you know, see marriage as an important thing. So we want to wait and make sure.

13:49Yeah, marriage, sure, it's an important thing. But aren't you basically not married other than legally? Yeah, yeah. But like I want to get I want to get my finances straight before I bring somebody else into it. Well, that doesn't happen by not paying your bills. Yeah. What would you give yourself score zero to ten? Zero being the worst finances ever. Ten being the best finances ever. A two. Seems relatively honest. Could you explain? I think you're a two. Because I'm bad at impulse control, which racks up debt. I don't really have a budget in general. Why? just never has made sense i keep trying i keep trying different types of budgeting and things like that i try writing it all down online i search different things i this is why we put everything into one place go through the budgeting class you get it for free because you're on the show go through the budgeting class go through the investing class please take the quizzes take everything it is hard when starting from scratch to like take little pieces from everywhere so we wanted to put it all in one place you guys can get it link in the description below but yeah please go through that you can also get your hammer financial score down there and if you want to be on the show go to calebhammer.com slash apply two out of ten let's see we have a capital one quick silver we'll start with one thousand three hundred twenty dollars and fifty one cents with a thirty six dollar minimum monthly payment not a crazy hard minimum payment uh you don't even put the full minimum payment towards it oh it looks like you did last time but it doesn't even my ex-husband actually pays that card for me monthly why i have no idea does he know he is or is it just set up on autopay he he's aware that it comes out of his how many of you guys not been together uh four years so depending on another person yes do you does he spend on it no he actually opened that card in my name so he said yeah against your permission or At the time, I was not aware, but then I...

15:53Okay, well, that's...

15:59Does he say just go spend on it? No, no. Okay, because there's$540. Yeah. Then you spent$781.53. You more than doubled it. And guess what? What if he decides, you know what? Spent four years. She's just putting more money on it. Kerr. I'm not paying the minimum fee payment anymore. All of a sudden you are. How long does this take to pay off? Just paying the minimum fee payments. A long time. Yeah. How long? I have no idea. How long? Years. Like seven. Pretty close. Eight. Eight years. Just for a minimum fee payment. This accrued$23.02 of interest. It is on auto pay, by the way. Mm-hmm. How do you know he knows he's paying for this?

16:46We've had to talk about it. And? He told me to take him off. And I said, please, no. And he has it. That's totally. That's completely different than what you just told me. He asked to be off of it. Yeah. But you said, oh, no, please don't, daddy. Well, yeah, that's completely different than he just pays for it. And he knows. Yeah. What are you talking about? It's completely different. Yeah. But I mean, if he's going to pay for it, why would he pay for it? He just asked not to. And you said, please. Yeah, I paid a good portion. No, no, no, no, no, no, no, no. Oh, it doesn't matter. or you just went and doubled it and brought it up to the credit limit so i don't care i messed up why i don't know what do you don't know i don't know why i doubled it because i did pay a good portion off and i was super pumped and then i went why spent it all why i don't know is that an answer why what'd you do why where were you going what did you do i bought a bunch of crap i bought this dress it looks really cute but um yeah i don't i don't know how to get the dress You didn't have a dress?

17:46There's no dresses? No, I didn't. In your closet? No, not at the time. Okay, you don't need a dress. Wear a shirt. You can wear a shirt like a human. It's okay. I promise. So he wants to get off of it. Are you going to get him off of it? I will eventually. What's eventually? Why? He asked. He asked. Why are you saying no? He asked me to take him off of my... He was paying for my phone and auto insurance as well. And I took it. I got my own phone line. You've been separated four years and he takes care of the kids 100%. Yeah. why do you think he should be paying for anything? I don't know. My mom said I should get alimony, and I didn't think that was worth it.

18:23He's taking care of all the kids. That's what I said. That's why I didn't ever want to. Well, alimony. Yeah, it's because I was, what is it called? You're used to a way of living. In the divorce, in the assets and everything that are, well, obviously there's nothing that you could split. But does he have anything in a divorce that you would get? No, we've completely split everything within the four years. He's just helping me out. Because you don't have anything to your name. yeah so what was split like we split our finances boyfriend how do you feel about your girlfriend getting paid by the ex-husband no i'm trying to help her with that stuff trying to help you with that stuff i don't know what that means because obviously it's not make it's there's no help being so take him off he wants to be off yeah yeah take him off i'm putting this in your minimum payment when it comes to getting off okay yeah no i'm i want to do better i want to it's kind of thing to do i guess yeah your boyfriend pays for your cards my producers use my money to pay for crayons oh no i would like you to no jacob to mark next to everything every purchase here that is a bull a bull interesting interesting hmm even looking at the purchases no i know everything that's been spent on this card was unnecessary which is why it was spent on this card the question becomes why the because you know it yeah that's where it pisses me off more than anything you know it if you know it then what are we doing why would you do that to yourself do you want your kids back Do you want to have a future with Mr.

20:08Man over there? Do you want to move out of your brother's house? Do you want to not be dependent on people? You say, yeah, your actions don't say, yeah. Yeah. No. No, it's just really bad impulse control. I haven't been able to figure out yet. Figure out? What is figure out? What do you mean? Walk me through an impulse for you. well like i was saying but earlier with our discussion i um worked a lot on my mental health and whatnot yeah a while ago yeah and like we're talking about last month and this is one of the things that i have not been able to get better at i just i think there is there are so many steps to purchasing something on Uber Eats.

20:59So many steps. I'm going to be real with you. That's out of laziness. Okay, then it's not impulse. It's you being a lazy f***er. Yeah, that one. Uber Eats is out of lazy. And you're also in Chicago. Walk when you said it's in the suburb. That one's definite. But like, okay, so we have a lot of T-Moo things. One of the things that I did was get a bunch of stuff to do nails. I did my own nails. They don't look good, but. Well, they're a little Halloween-y. well yeah because it's september but steam game impulse we had to impulse buy three steam games okay that makes sense uber eats uber eats timu timu timu i can see impulse in timo where there's other stuff the steam may be one but you went and just kept doing it uber eats amazon i can see impulse in amazon timu uber eats uber eats uber eats uber eats timu 781 dollars a full bull bull there wasn't one necessity in there no not a singular necessity okay that is deeply suburbia yeah i will give you that i will concede that when you say chicago i would not consider that chicago what does the future hold for your business ask nine experts and you'll probably end up with 10 different answers bull market bear market inflation soaring who knows at this point if only someone could hand us a crystal ball until then net suite by oracle has been the go-to for over 40 ,000 businesses to future-proof themselves.

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23:06Take the leap and download the free CFO's guide to AI and machine learning at netsuite.com slash hammer. That's netsuite.com slash hammer. And thanks to NetSuite for sponsoring today's video. Now let's get back to it. Yeah. So yeah, a car probably is actually a pretty important part of this conversation. So we need to navigate that. But do you get a car by three Steam games, a million Uber Eats, and Timu and some fake nails? No. No. The fake nails though. Okay. As a bartender, you need to look pretty. You need to feel good. Yeah, so you can make your$4 a shift. Yeah. Yeah. Yeah, it's working. Yeah.

23:39Yeah, it is. Yeah. Yeah. I like feeling pretty. I want you to as well. And usually in a budget, we put a TP fund in there and that can be put in that. The thing is, you just don't have any management of where it's going. You're just get, get, get, get, get, get, get, get, get, get, get. And we don't get pretty on Uber Eats. Trust me. Yeah. I feel that as well. So like we can do things in a proper way. You're not. No. Just team on around. Get him off the card. Yeah. I might give him a call. We're going to call him. Call him. Call him. I want him off the cart. I want him off the cart now. I think it's time for Miss 33-year-old to act 33-year-old.

24:33Extra damage. Oh, I have my phone. Hold on. Hello? How you doing? Good. How are you? Good. My name's Caleb Hammer. I am talking to your ex-wife about her finances. can you please stop paying the Capital One Quicksilver card? Sure. Okay, thank you because she needs to actually take some responsibility for the first time in her life. Alright. Love you, buddy. Have a good day. You too. Bye-bye. Cool. Now it's yours. Welcome to the real world. Consequences. Actions. Yeah. Oh, good. Credit one. We know we're in a great financial position when we have a credit one. It's the bottom of the barrel of all credit cards.

25:15Yes. Essentially. This is because you get fees for it. And there's a late fee on here anyway. There's a late fee. Oh, we're stuffing cash in a mattress. Yeah, we're having late fee. Yeah, that's funny. That wasn't. Was there a late fee? Yes. Where it says late fee. Oh. And$22.50. 56 cents. I didn't know. Of the fee. I didn't know it was late. Oh, well, it happened. Because I don't like putting the money under my mattress. But you do. When I have stuff coming up because I don't want. But you did. Yeah, I didn't realize I did that. I should probably keep a better I am thing. Probably just turn on automatic payments.

25:58That is a new card, so I didn't. You just opened Credit One? You just opened Credit One? Yes. For what? So you could do Teemu, Nintendo, Teemu, Apple Bill, Apple Bill, Apple Bill, Apple Bill. What are these apples? What are you getting? What are the in-app things you're getting? You're getting something. Are you getting subscriptions for? What are we doing? That, I think, was for Pokemon Go. Okay, we're a few years, like, behind schedule on Earth, apparently. Yeah, I mean, I really like Pokemon. I have a Pikachu tattoo. Yeah. Pokemon, go to the bank and put your shit in the account. Okay? Yeah.

26:42What do you get for spending on Pokemon Go? I asked someone this a few episodes ago, and I honestly forgot. What do you get? So I use it for remote raid passes. So when people in other countries are doing raids to get, we battle the Pokemon, I don't have to physically be there. You already live in the best country. We don't need to prove it on Pokemon. Okay? Yeah. Okay. Yeah. $276 of purchases. Are you kidding me? and then fees and then$6.75 of interest. Oh, oh, oh, your balance is above the credit limit. So you're probably going to get above the credit limit fee this next month anyway. Oh. What's oh?

27:22I didn't know that. Do you know anything? No offense. No, I don't really. Like, apparently not. You can't have access to credit cards. You're not a credit card person. You don't want to manage debt. You don't want to manage debt. Yeah, I was in charge of our finances, my marriage. Oh, this is why when you guys separated, there was nothing to take from each sign. But, you know, when you get married at 19 and nobody teaches you anything, how am I supposed to - Nobody knows anything at 19. Welcome to the world. Not fair. Okay, boo-hoo. You're never going to get anywhere if the excuse for life is it's not fair.

27:55Nothing's fair. We're just little creatures crawling around on this rock. This isn't a thing of fairness. We're surviving. You're not going to do anything with fair. Okay. I guess. Doesn't feel good. I'm sorry, though. No. This isn't a feel-good place. Yeah. This is a place where you can actually take responsibility and get your shit taken care of. Actually change your life and make your life better. Yeah. Mm-hmm. But instead, we'd be over. We'd rather have nice little sparkles right here instead of being under a credit limit on a credit one brand new card that is not being paid on time. Yeah.

28:37uh-huh priorities good while relying on brother and boyfriend and mama oh and x yeah great so minimum repayment capacity was 22 56 so that's what's usually going to be oh you'll double that of course right now because you didn't pay what's wrong with an auto pay for you 22 i know you can have that on auto pay yeah i honestly just never i haven't set it up yet i prefer my things on auto pay then why haven't you set it up it's like the first thing to do because i literally i do it the day i open a credit card i honestly forgot i you can't forget no that's i mean this is okay i mean i don't you can't forget it oh good are you actually kidding me well you said this is new what's new what is new like a couple months in what world 22.56 of late fees this last month right can we agree on that yeah you've paid this year so far on here in fees 129.98 cents have you ever made a payment and that's been above balances and that's their stupid fees what have you done because i've paid it off twice.

29:59That's like times five. That's like times five. Paid it off twice? Yeah. Close this card. You cannot have this card. Close this card. Close it. I don't give a f*** of credit. I thought he was being smart. Getting it. Paying it off. A credit one card? I don't know. No, no, no, no, no, no, no, no, no. I just want to be very clear for anyone watching out there and for you and any future life that you are living. Credit one. Any credit card that shows up in the mail is predatory as f***. It is fees upon fees upon fees upon fees for anything yeah anything this one you deserved because you didn't pay it yeah that one yeah but i did it off you need to use the charge card where you put the money on that you can spend like the fizz card that's all you can have you cannot have access to other people's money until you have a proven record of discipline you do not you're on the very opposite side of that thing do you have any school because you need to increase your income what what what what do you what's your resume like over the past 33 years where have we worked what are we doing i there's nothing wrong with 15 an hour do not get me wrong not at all yeah but at 33 we want to start making a bit more progress in the pay scale what have we done i was a stay-at-home mom for seven years okay yeah not the most lucrative no i was a lunch lady i was an assistant manager at a store and now how much are we making that not as much as i do now i am really assistant manager okay what about at the lunch oh god i was like that was a while ago and chicago schools don't have no i mean maybe eight dollars an hour oh man and then i worked at a gas station and i was a shift lead there and that was shift lead how much were we making like 16 okay so we're well but you and tips you probably make yeah it i make about i want to say So it's always been service.

31:52Yeah. It's always been. And again, there is nothing wrong with service. And there actually are careers there. But you've kind of just stayed level. We haven't really progressed anywhere. Like, I would want you to start getting to, like, an area manager type position of something. That kind of thing. Like, we'd be grinding away hoping to get that in our 30s, 40s, you know, whatever. Okay. I want you to go to course careers in our description. You go through the quiz. their little uh answer all the questions that leads you to probably the best certification for you to take the booster resume to try to find a better job and we'll pay for it okay okay it's another bonus of coming on the show so make sure you do that okay we need to get you above 15 an hour yeah need to yeah okay apple bill yeah what did you get i honestly don't know i don't know what comes off of that i don't know anything i did pay a portion of it off though because does that matter you did that for the first card and then you doubled it and pushed it to its limit so i don't know what they lowered my my um thing so it used to be a hundred limit yeah my limit so it used to be 1500 i paid it off and then they lowered it to 700 i think well 680 52 so you're maxed i did yeah yeah well that's probably why because you kept maxing it it's 25 and i just put the new iphone on mine but i paid it the same day five percent cash back i love it credit cards can be a great tool you're not a credit card person yeah well no spending but you only paid a minimum payment okay yeah i am i'm trying and just not with all of that 27.24 interest just okay you know with the rate cuts these are going to go down a little bit it's not going to make or break your life is the thing because they're already so substantially high wait so you're trying to get a car now but you know you have a charged off auto loan yeah but you're trying to get a car now but we've lost the car no that was my first when i i was um i bought myself a jeep back in the day when i was getting the house what's back in the day because the last payment was made only two years ago yeah it was so that's not what i would define as back in the day so back in 2021 i bought myself a jeep wrangler and april yep and i uh that's also when i moved into the house that my mom got me and then i was unable to work and everything it got repoed everything fell apart i'm still confused why would she she pushed you to get into the house and for a good reason there are some stalkery things yeah yeah yeah who's talking you my ex-boyfriend oh so another guy yes okay she knew you weren't making anything why did she require rent right away my ex-husband after pushing you to get in there also moved in with us we lived together but separately like we had our own sections of like our own rooms and stuff and we were just trying to live like a family for the kids living financially smart no okay well like what did life look like at that point you and your spending and you're existing while owing 1500 on rent i uh immediately bought my daughter a trampoline um what does the trampoline cost like over 500 okay i bought a bunch of halloween decorations for our house because we moved in september and i really like halloween yeah the nails just yeah um yeah i spent a lot of money on kitchen necessities and things like that because we didn't didn't have any of that but it did all go on a charged off now uh target card before i moved into the house and got the jeep i bought a six thousand dollar rottweiler and a couple of days before i got my jeep i thought those were like pound dogs are they not no i i I always, I'm a big.

35:58$6 ,000? I'm a big adopt, don't shop kind of person. So you shopped for$6 ,000. Yeah, but I saw her. When you come to a$1 ,500 rent? Yeah, that was during the stalking situation. So I was scared and I wanted some security. And would he have the dog, the pup, the girl? Yeah. She would have defended, you think? Well, the fact that I was stupid and went back. Where's the Rottweiler? I found a good home for her. You re-homed? Yeah, I did. You spent$6 ,000 and then re-homed? Yes. So$6 ,000 gone? Yes. How'd you spend$6 ,000? Did you have the money? At the time, I did, but my... Well, I was going to put her on...

36:45What do you call it? Finance her? But I had just paid all of my credit debt off, so it hadn't hit my credit score. It keeps happening over and over and over and over again. So my ex-husband put her in his name. You haven't fixed any of the behavior. You're the person that gets fat as f*** and then goes on an extreme cut and then doesn't fix any of your overall behavior that was actually bad in the first place and then you got fat as f*** again. Talking about myself. So that... I figured... without fixing the problem, the short, temporary, huge sacrifices to get out of the debt, it doesn't help you.

37:34Because then you just go and you just continue your normal behavior. Yeah. You still owe$8 ,320 for this? Yes, for my JPS. Was it repoed? Yes. I actually called them and told them to come pick it up so they didn't have to repo it because I didn't want. Like volunteering? Okay. Yeah, but they took it. How much was your payment? $600 a month. Oh, yeah. I'm glad you don't have a car loan now. That's what I'm trying to do is not get a loan. Oh, okay. I thought you were about to say something. No, I'm trying to save up so I can get a car outright instead of getting another loan. Are you on a payment plan with them or is this just sitting?