Failed OF E-Girl Is A Leech | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. I do only f***ing. Well, things are making more sense. So what are you making now? Right now I'm making around f***ing flips on a good month. Why would you not tell me that? Why did my producers have to tell me that? It's been f***ing dollars. It's insane. How do you do that? Unfortunately, my mother enables you. Why would you do that? Your mother enables you for f***ing purchases. Oh, for f***ing sake. I know. Earn that s***. Hi, my name is Bryn. I am 25 years old. I live in San Antonio, Texas. and this is financial audit this is a curious thing oh interesting i've never i just i don't usually see people dress like this um what do you do for a living uh so i do only well things are making more sense okay now um i stream on twitch as well oh you're a twitch streamer yes Oh, we don't really get other creators on so very often.

1:00So this makes sense. Have you been watching the show? Oh, yeah. I watch this show pretty religiously. So you're in the audience. And most people are. So I just want to make sure. Usually when other people are on things, we want to make sure they're not like here to plug anything. Actually, you're using a fake name. So you can't anyway. So that's good. Not only that, but I haven't mentioned that once. Not my intention. I'm here for the advice. Good. Good. Okay. So what are we making from these sources? um so i pull only this kind of um trepidatious uh so the reason for that is because i had uh some health issues recently that has like made it to where i can't do as much content as i'd like to do okay but cut off um i had a collapsed lung and i almost died why a 25 jeez for what um i was vaping and i hit people stop with this i've all i've was yeah um oh we're finally starting to see consequences yeah and that's the thing is collapsed lung uh it was 90 collapsed and i actually had to get a chest tube put in what are you smoking um i now smoke cigarettes but i was smoking no what i got permission from my pulmonologist because of the fact i can't pronounce pulmonary doctor the person for my lungs because so i tried to quit with a nicotine patch i actually am allergic to nicotine patches and um maybe we just don't so the problem is because we have a collapsed lung are we kidding so that no that's what i was given in the hospital was the nicotine patches oh great but maybe we just don't go sorry go no it's okay um what are you saying so i had a allergic reaction to the nicotine patches can't use nicotine patches my teeth are severely decayed due to a genetic issue so i can't do nicotine gum um i have a specific issue where the dentine underneath my enamel gets broken down at an extremely fast rate and like it doesn't matter i did notice the top teeth have a couple things so it's unavoidable oh are you gonna get them just removed and replaced with that was that's the intention but implants are expensive and dental is a luxury health care item in this world but you don't do like no god no no my brother was pathetic and i refuse to why not not do anything like that as brothers tend to be yeah well it's just more along the lines of you learn what not to be from them well i was the oldest brother so i'm the youngest i wonder what they learned from me okay okay well either way you're still smoking yes one bad for your teeth and your teeth are already weaker two you have a collapsed lung Yeah, so I was trying.

3:42What a cigarette you smoke a day! Right now I'm at about, if I'm on a bad day, I'll hit 10. One, ew, two, you're killing yourself. Yeah, I'm well aware. I do want to quit, but I will need to get a cessation aid in like pill form or something like that from a general practitioner, which I don't have right now. For what? Because the nicotine patches and the nicotine gum don't work. and I get really, really bad withdrawal symptoms where I get something called back drip and it closes my throat up. Oh, is there a place you can go to, where to manage? So it's not so much like that. It's more along the lines of there's, so back in the day before my lung collapsed, when I was a teenager, because I've been smoking since I was 13, is what you have to understand.

4:26So this is like over 10 years long addiction. I was, my babysitter at the time got me hooked on to them. Not the important part. What is on your arms? What do we have here? I feel like there's going to be a weapon. They are. Well, I think the silver ones are jingling quite a bit, but that's okay. I can take it off. I talk about it with my hands. I'm sorry. Go ahead. Continue. But there's a pill called Chantix that at the time I wasn't given medication. When I had a GP, I prescribed it to me then. I didn't end up. I wasn't ready to quit yet. Since my lung collapsed, I'm ready to quit. I want to quit, et cetera.

5:01I just don't have the GP to prescribe me anything. How we got down this conversation is you say you can't, you can post less and flaps due to, due to collapse long. Like, okay. So what are you making now? Right now I'm making around$200 on a good month. Okay. So you don't have a job. Okay. Well, you said another one was streaming. So how much are we making off that? I took a break from streaming the last several months. I know you're bad. What are we doing here? What the f*** are you talking about? You don't make money. What? what am i supposed to do here you don't make any money i'm working when was the last time you made money probably for sake it's just it's no i understand you can be mad go on i have a lot of reasons but um for what i have a lot of health issues okay listen i'm not saying you need to do that as a job i understand that of the health issues do they prevent you from doing that A lot of my health issues were preventing me from working a normal job, which is why I got into this.

6:05Okay, what are the health issues? So I have a heart condition called mitral valve prolapse. Okay, get on disability then. And so I don't know how to do the disability. Talk to someone. Google. GPT. What? So I also have a severe anxiety when it comes to medical professionals to the point to where my mother ends up having to be the one to kind of help set up any type of appointment. Is she in San Antonio? I live with her. What about the boyfriend? You came here with a dude. He's standing outside going, Yeah, he's probably going to be pouty. I was like staring at him out a window. Yeah, he's going to be pouty because he's incapable.

6:42Incapable? Okay, why is he your boyfriend then? What? Well, probably because you make$200 a month and you use someone to survive. Don't use him considering I'm the one providing for him. How? You make$200 a month apparently according to yourself. Well, considering he's living at my home he moved out here from washington you have a home you're renting well it's my mother's home but still my home when was the last time you made money was the question i asked um probably 2022 from twitch what did you do streaming a lot and i was making like three grand a month now why can't you stream now um it's not that i can't it's i took a step back over the last several months um i had a really really bad mental toll from the streaming because of the type of environment it was.

7:28What was the environment? It was really toxic. It was very clicky. It was very much so people if you can't offer the same amount of support that they're offering you, they'll turn on you type of energy. Okay, but they don't but I don't know. Whether or not another YouTuber is giving me a pat on the back doesn't mean I make videos. It's not about that. It's about the fact that what you have to understand is a lot of these streamers will come in and cause problems in your stream what um and or what spread rumors around okay what's your rumor um what's your allegation everyone has an allegation it's 2024 well considering um i was dating a streamer and um he had lived with me for the time being because i have a bad yeah i make bad decisions when it comes to relationships please answer and he had decided to say that there was an SA assault.

8:23So you assaulted him. That was his allegation. Well, what did he say you did? He said that I had kissed him while he was sleeping. But I have video evidence of him refuting that claim because he had said it to literally to me and destroy me. And I have the video of him saying like we live in such a weird world. This is the this is I'm so today's society is so weird. Yeah. that's why i stepped back though because i don't want to have to continue to put myself through that situation to be in and to be on the receiving end of it because of my own personal history it was just like i can't mentally handle that okay i don't think he's capable of a relationship i definitely has no ability to advocate for himself like an adult whatever okay all right cool so that happened i'm sure no one gave it because who would give it plenty of people did well yeah i mean there's pearl clutches out there but borderline stupid um because if you had video refuting i mean that's more so what i'm talking about it's if you have evidence i have evidence in case like anything legal came of it and that's why i have that evidence but i'm not also not going to sit there and defend myself nor should you if someone's throwing out something stupid you shouldn't like i'm not going to do that i just chose to step away and i just enabling people to say bad things um to start back on streaming i'm also currently working on trying to get my food handler so how's your audience how's your audience i mean it's pretty decent will they come back i know streaming is like if you even stop for a couple days lawyer loyal viewers luckily okay well are they like you know like they're subscribers men with money like that kind of because that's sometimes right in your position honest here my whole like spiel is how i interact with are you a just chat uh no no no i'm a gamer oh like i play video games but i it's very interesting i'm sorry i know we haven't really jumped into numbers here but i'm very curious it's rare that we have another creator on here and this is very interesting for me yeah no hey uh so okay and then we hope to upsell them into the of with the i actually do not advertise my of on my twitch because it only makes 200 a month so i guess we're not yeah i what's the most you made off of that in a month uh twitch or only of only i think i've made like five to six hundred dollars one month okay so it's a joke it's it's passive yeah it's passive barely and it's nothing yeah okay uh so pouty boyfriend yeah that's uh he was my friend for a very long time um and then we kind of started like flirting and talking and all like that um i love my mother but my mother and me sometimes get into it and my mom can be um in the heat of the moment she can be very vindictive and so i got kicked out one night which is fine but at that time I didn't have anything.

11:25So I was like literally on the side of the road. And he made the stupid. And I appreciate him. And it's because of this that I feel indebted to him, which is why I've allowed this to continue as much as I have. He made the decision to drive down from Washington State down to here to pick me up to live with him. But he's living with his parents and or his grandparents. This doesn't have to do with anything. I'm so confused. and so um we get down there i'm in an unsafe situation because his parents are or his grandparent is cutting off the wi-fi completely i have no service out there and unfortunately i need access to be able to call dangerous um i need access to be able to call an ambulance or anything like that and i did not have that because he was cutting the wi-fi um okay were they cutting it to punish or was it we're just getting rid of wi-fi because we just don't need it it was it was it was a very manipulative because he wouldn't do something in the yard they'd cut it for a week and okay like punishment this is so weird okay i don't what the f*** are we talking about oh this is such a mess you asked about him so i i did but it's because he came up yeah uh for something i'm forgetting this is weird so you make no money i'm just trying to get a face i don't make no money i make some money it's just not it was two hundred dollars yeah it's not what can you do with two hundred dollars not much you're living with your parents my mother yeah 25 we have a boyfriend that you hate i don't hate him okay to be clear to the entire audience he was huffing and puffing outside so i came in i said he can come to the green room and just hang out if you want and you said no i'd prefer to be able to be more honest with then having him who i have you don't feel like you can be honest not in front of him what why um just because there's always some level of judgment when it comes to financials and he's very does he make money no what the what um there's always a bit of like so if i make any comment on um his financial or anything like that it's he loses the confidence he doesn't want to do this etc but yeah he can like um literally ask me okay well i don't have enough for this can you cover this and things like that you should give him a little peck on the cheek in the middle of the night and see if he freaks out i'm good on that you don't want to touch him great yeah we're pretty we're i'm i'm i'm a breaking point with him but yeah are we allowed to have him on in the post show yeah will you allow that yeah okay well save that We'll save that for the post show because that's just drama and we need to get into the actual numbers.

14:15This is financial audit. Yeah. This is so. Why? I'm just trying to establish a baseline and your baseline is confusing. I'm just trying to just see where you are. Okay. The last couple of months have been rough because of the lung collapse. But. Well, maybe we're not inhaling random. Maybe we're stopping smoking. Maybe. I do want to quit. Like I said. Want to. What? I have to get help from a GP, which I don't have right now. Then go. I mean, you can afford essentially free health insurance. I'm on my mom's health insurance for another year. Even better. But in a year, I lose that health insurance.

14:47Okay, go now. It's not a year from now. Now is not a year from now. I don't know if you know this, how the calendar works. I'm aware. Okay. So the thing is, is with her insurance and with how everything is, there's a lot of things that are not in our insurance anymore. Okay, okay, okay. And maybe you need to get off and you need to get onto a plan for someone that makes no money. Okay. Listen. I know. I want to establish. I'm still trying to establish a baseline. And I just have one more thing to get there, I guess. What was your last real job? I was a fraud investigator. Previous tell us. And your health got in the way of that?

15:31I was having seizures. Oh, my. Okay. Right. Then you just listen, if you cannot operate because like literally your body won't allow you to, then you just need to get undisciplined. It's meant for people like that just feels like taking advantage of it. If you're if you walk outside and have a seizure and can't survive, that's different. Now, obviously, you should take a little more control of your own health by not collapsing your lungs, which is a bit of a choice on your end. Yeah, definitely a choice on my end. Even when you think you've got your finances in order, bad credit can still hold you back.

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17:11That's kickoff without the C. G-E-T-K-I-K-O-F-F dot com slash Caleb. Special offer applies to new Kickoff customers for their first month only. Subject to approval and only available at getkickoff.com slash Caleb. Terms of offer are subject to change. Don't let bad credit be what's holding you back. Let Kickoff help you secure a better financial future. Head to getkickoff.com slash Caleb and get started now. Thanks to Kickoff for sponsoring this video. So I was on 3MG vape juice. If you know anything about nicotine milligrams, that's actually one of the lowest ones you can be on because I was working on lowering to quit actually when I collapsed my lung.

17:52How's your lung? Um, so about a month after my lung collapse, I ended up getting something called Teeth Syndrome, which is weird. Are you able to, how are you even here without just like disintegrating? Like you have everything. Trust me, I'm aware. That's why I don't leave my house very often. You are pretty pale. Yeah. Are you saying I'm a vampire? Okay. um but yeah so i got teat syndrome and i've been recovered from teat syndrome for about two weeks teat syndrome isn't that what you're selling on of uh yeah okay where do you think you are on a scale of zero to okay she already knows i'm well aware that i am if you want your hammer financial score free link in the description below if you want to come on here and you're not afraid to leave your house uh calebhammer.com slash apply we'd be happy to have you on guys okay i mean i'm not yeah i'm a little afraid to leave my house look i got here i made progress it's a drive you i've made progress no no trust me i'm someone that's not getting on planes so it's like i can't what am i you know okay so i also want to establish to the audience by the way because we're headed into the paperwork now oh for half the you said were like pictures of like you taking pictures of documents instead of just giving us a screenshot or a statement as a request But not only that, but you had to come here and then Mr.

19:19Jacob had to go sit down with you and get the documents from you to just, yeah, understand things. Because you're just incapable of accessing. There's a lot that I have access to, but there's a lot that's just paper copies is the thing. So that's why they were pictures. There's a lot of collections. And I think we're even starting with the collections. $5 ,836 here from Santander huh? that's from my car why at 25 years old your car? I got repoed in 2022 I had a predatory loan from 2020 for that that you signed yes but I didn't realize how predatory it was at the time tell me what's predatory the interest rate was really high the monthly payment was$620 what was the interest rate?

20:13monthly payment you would know um i do not remember you signed it what the interest rate was right oh come on you're telling me it's predatory you're a little victim so you at least give me some information that was the background on that so in texas there's a law that if you can't do your full payments you're allowed to make partial payments they refuse to allow me to make any partial payments if i did not what's that what's that law what's that law um it's a law in texas where because of the fact that it's a financial uh so it's what does it exactly state what are you referencing so meaning if a person cannot make a full payment they can still make a full payment to what to whatever loan any loan ever on auto's cars specifically on auto loan specifically they are supposed to allow you to make partial payments and it would probably get ended to like the end of the loan there would be late fees there would be whatever well who knows you would be able to at least partially maybe i'm i'm trying to find it sand tend to refuse to allow that so in texas there is no specific law that guarantees a right to make partial payments on car loans without consequences typically auto loan agreements in texas and elsewhere are binding contracts between the lender and borrower and the terms are set by the contract usually govern whether partial payments are accepted so what are you talking about where do you even find this out that was through my mother so oh thank goodness oh okay i see i thought maybe you talked to someone that had any kind of like knowledge or background or qualifications buddy i was able to figure this out in two seconds also how much do you smoke um not that much i have to smoke to be able to eat and i have to smoke to be able to sleep okay because you have a bit of dankness okay yeah and we're talking i was looking this is from uh texas.gov and from texas law help and from experian okay so you don't know what the you're talking about no i did not i guess so why is she someone we're listening to well because she birthed you i mean that's a usually a good point but um right now she she is pretty much completely taking care of me which i mean um not the proudest moment of my life but again i mean if there's certain health things that's not necessarily a bad thing you know it's just understanding your life careful don't scratch your skin your arm will fall off okay so all right i am trying to work on getting my food handler certification so that so what are you gonna do with that get a part-time job at a fast food place hopefully like i think you can get a part-time job at a fast food place without a food handler certification um no you need the food handler certification to be able to handle any type of food or anything in the state of texas that's a requirement if i was to do like um cashiering or something like that that's not necessarily where i need a food handlers but you have to have a food handlers to be around any type of food that is a requirement most jobs sometimes will provide you with it but it is well i mean that's probably it then it's probably just that go through on training or onboarding onboard okay well that's different but why aren't you doing that then because that that's different than because what i'm picturing is like you going through this whole extensive process just to drop some fries in a fryer this is just something you go through the onboarding process because of my health my mom is very trepidatious to let me do any work okay mom you're 25 i don't and on the one hand it's like yeah i do understand the that logic but she's also providing for me so i don't want to yeah there is that in the mouth and do something against her and then i'm ending up not able to do the job that i would like to be able to do and myself my mom doesn't enable a lot of things is what you have to understand like i mean even if you look at my fantasies you'll see like i have a I do spend a little bit for the dopamine hit, and I try not to.

24:02But I've definitely gotten better over the years, but I'm definitely not where I should be. And she helps with that. She enables that. This became mandatory in 2016, so it's actually relatively new. But, yeah, you get this usually through the onboarding process, so that's different. So I haven't gotten called for any interviews or anything like that. Okay, show me your resume. on my phone or on the laptop or what phone's fine phone's fine those things are staring at me my gosh i'm sorry i told you just trying to look at numbers here okay so a car that got repoed what was the car and it was predatory you're a victim you can't give me any information on how so and then you didn't understand the law okay listen you're working at food service we don't need two pages on a resume a two-page resume for f***ing come on like that's step number one step number two don't use a f***ing android that's a magnet you can pop it out the case if you need oh no no no please don't do that i need do that i don't know what's happening hold on i can just take it out of the case for you i'm just gonna look at this like a normal damned advice i'm sorry i have to I have the magnet on it.

25:18Am I going to get cancer from touching this phone? God, no. So I have the magnet on there so I can be able to hook it up to any type of metal for content creation purposes. Okay. Fraud investigator 2018 to current. That should be current. I updated that. Okay. Cashier customer service March 2018 to March 2018. I don't think we put that on a resume because no one will. Why would anyone want to hire you? A lot of jobs require at least three years. Sure. sure but just don't put that on a resume you showed that you worked at one place for less than a month i wouldn't hire you fair enough it's showing that okay i'm giving you i want to give you actual like feedback here uh okay and that's walmart yeah cashier at water burger 2017 may 2017 to october 2017 again that just looks bad cashier popeye's from march 2017 to May 2017.

26:19I know why you're not getting hired. It shows like you... When I was in high school. I don't give a... It shows that you do not stay anywhere. Waitress from August 2016 to December 2016. Arby's November 2016 to November 2016. So I think that my... What are we doing? That my dates are messed up to be fair because... Okay, maybe look at your resume before you submit it. What are we in kindergarten? garden this is just one of the ones that i grabbed from my drive i don't know also the write-ups for these i mean come on girl girl what your write-up for the water burger job and walmart job are a copy and paste some of them are yeah because they are pretty much the same job but do you not understand there are slight differences not in those two but in the arby's there are a slight difference yeah so that's what this is the worst resume i've ever seen in my life i okay i think that's a bit of a stretch no no it's not i haven't okay maybe you have i haven't don't take inspiration from them also your real name's crazy yeah make sure it's bleeped if it can be seen on screen but that is a wild name is that your real name legal name what kind of house do you come from i'm not a judgment but i'm japanese and american explains the anime i guess okay

27:50look they're great i don't know what you're talking about trust me i got them you know hey everybody loves a nice set that's why everyone subscribes that's horrible i mean listen this resume is trash yeah one it's a service-based resume does not need to be two pages three it's this copy and pasted four wait did i skip two four it is just showing that you don't stick at a place so at that point just honestly lie i mean don't but like are you kidding me i'm not surprised that's as current was supposed to be till 2021 i was there for three years i don't care that's a resume i'm not surprised you're not getting any callbacks that's that is horrendous do not show the jobs that you worked at for a month barely even show the job just tweak

28:45and two pages okay so this car got repoed you can't explain how it was predatory but it was predatory because it was a bad interest rate which everyone's on this show is no um when i first got the car it was in a situation so this was right when i was starting the cbe job again. So I had a job with them. I ended up having to leave due to some... I have an NDA. I can't discuss why I left and things like that and why I got hired back. But it's all because of an NDA. And when I was going back, I needed a way to transport to work. This was right before COVID hit. And I was working in New Brom Falls.

29:27I live in Universal City. That's a 45 minute and there is no bus lines. Okay, that's where we get a different job. Serving coffee, doing anything. Listen, you've worked at Whataburger and Arby's. Do it again. Guys, for a few weeks only, my new debt mastery class is 35 % off. Plus, the first 500 that sign up will get access to a private live stream where I break down how I got out of every single cent of bad debt and how I now use good debt to my advantage. We still have a few spots available, so get in now. I'll answer all of your questions there as well. In this debt program, we don't just focus on paying down debt.

30:02I'll show you how to use debt to reach your life's goals, how to negotiate your debt, and frankly, negotiate any type of payment with anyone. We'll also go over how to curb those psychological and overspending issues that keep you from living your dream life. This includes 10 tools that you can use to quicken your debt journey. Check it out, guys. Limited time only. Link in the description below. I literally, the reason I have an NDA, I fought for this job. I wasn't going to give up on this job. Okay, but also give up on it because you literally couldn't make it work. And sometimes we have to make sacrifices in life to survive.

30:32Even though it was slightly predatory and I was aware that it was slightly predatory, I thought I could handle it. It wasn't until after. What was your monthly payment again? 625. Hi, you signed it. Okay. What was the car? It was a 2020 Outlander Sport. So it was a repo. They sold it. Okay. Your remaining is$5 ,836 and you allowed that to go to collections? Yes. You didn't get on a different payment plan with them. So this is in collections. Yeah. Okay. Let's keep going. so the reason it was in collections because we were going to dispute it but dispute it why would you dispute it how would you dispute it how are you going to win because you thought there was a law that didn't exist and that's the point yeah that would have worked really well okay this must be collections this is a picture you took collections okay original credit Citibank Citibank what what did you have a Citibank I don't think it was Citibank I think that's just what it's under but it was should it be Capital One Best Buy oh no Best Buy that would make because that's how two those are the two and this is in collections yes i was in a pretty nasty relationship and um seems to be a common occurrence but this one when i say at a certain point when this was abusive this was like domestic violence well that's bad so um unfortunately my that's when a lot of this actually happened with the finances getting hit so hard was when i was in that relationship and i kind of don't set me up like that i'm just i can't make jokes like that you can't say the finances hit you hard you can't stop that just stop you can't i can't make jokes like that online but but i can't twitter freaks out it happened to me i can make the joke make it for me okay you know okay so the interesting thing about this is there are payment plans you've just yeah I just, I haven't done anything with it yet because I'm not making enough to really understand.

32:21Well, you make$200 a month and none of these payment plans are even considered. So there's the one, you make a single payment of$2 ,612 and they'll save you$653. So 12 payments of$232 and they'll save you$470 and 18 payments of$160. What type would you? And that'll pay you$368. What? I wouldn't be able to do that logically. Of course not. But we'll write down the 160. But I want to be able to. 160.96. We'll write down that as the hope. Okay. Yeah. Fair enough. That's fair. Okay. Let's see. Capital One, I'm guessing. Capital One. Yeah. That one was. Also in collections, I'm assuming. Yeah. Also from when I was with my ex.

33:04The super bad one or the other less bad ones? The super, super bad one. Oh, super, super. Okay. $657.82. You could do payments of$84 ,000 on this. Also really high. Well, yeah. I mean, but honestly, to the median person, even those making under like$30 ,000 a year, $84 isn't insignificant, but we could budget it in. You just make nothing. Yeah. And that's what I need to start working on. Well, so one thing we should do, obviously, is... Fix the resume. Oh, yeah. I definitely need to do that. Can you take that? one thing is go through go through course careers like free course thing where it just kind of connects you with what it thinks would be best for your career and then we'll gift you the full course whatever you end up going through so you can get an additional certification okay so go through that you get that for free also never open a credit card again yeah no I don't plan on it so that's the thing use something like the debit card almost everything all of my debt is now in collections because for the past two years I have not touched my credit I have not opened an account and touched a credit card or doing anything like that I did take out a fig loan I think maybe just under two years ago fig loan it's a personal payment loan but that was like if it was within the two years it was right when the two years you know there's gold on your cheeks right yeah it's highlighter you took highlighters to your face not like actual it's a makeup product the woman will understand

34:49lindsey do you understand thank you exactly listen it's not for your it's not for me that's fine not for the camera either is it look i sparkle like a diamond i don't know what you're talking about that's the closest you'll ever get to a fording one so what is this oh it's a vet thing yeah oh what happened um chewy ended up getting a hold of a rope toy and what's what's chewy chewy's my dog okay i have two dogs um from that abusive relationship we we got them together and he was not just hurting me but hurting them too kill that guy i will go right now and so um i kept both of them so that they would be safe but unfortunately because of where i am financially it's very hard to take care of them and so yeah yeah yeah yeah it's hard um he ended up getting something stuck in his intense intestine and uh oh yeah 10 inches of his intestine had to be surgically removed was he with us he's still with us okay so okay so we're good um yeah just happened to my dog as well your bill was a lot cheaper than mine that's uh so this is now what it is but it was higher i was making payments on it and i was doing how much was it it was uh like 13 1400 wow mine was 32 000 yeah no uh that was my cat close to what my cat would have been um but wait this was your cat that i i have another vet bill that from the previous that i have honestly honestly today it just honest i'll put this out there if we can't afford pet insurance because pets always try to kill themselves we can't afford my cat my cats that cat that i had the open the care credit for okay actually no longer with us okay i'm sorry november of 2021 How old is she?

36:36Close to 12. She was up there in age. I'm sorry. That's hard. It definitely is. So you owe for the dog intestine. Why was yours so cheap compared to mine? I'm so curious. Because they were super nice. That was the surgery and everything? Because they really, really liked my dog. I guess I should have. They liked my dog, too. Maybe I should have. No, they loved my dog. I should have cried. They loved my dog, too. Maybe I should have cried. Actually, I did cry. Yeah. It's a scary situation. when you're about to lose a pet. They just didn't like me. Wait till you find out I have another cat and a bunny too.

37:09Why are you getting pets? You can't afford pets. It's selfish of you. Okay, the bunny. The cat was gotten, again, two years ago, right? A little bit before lithium time. Okay. Are you on a payment plan with these guys? I was. I'm no longer on that payment plan. Is this collections? Or is this just what you owe? Wait, what was the payment plan? um it was 150 a month okay oh my gosh no offense it sucks that it sucks that it's a it is kind of you know it sucks yeah that one was my own stupidity i didn't realize reality is you just can't afford toll roads yeah um that was if you look at the funny thing about the charges is the charges were ironically made in like 2020 2019 and why is that ironic um because it's been that long and i don't like i haven't driven since 2022 since my car got repoed i don't drive so this was before even that okay and it's just literally 60 bucks and if you if you look at the actual amounts you'll notice that um i only owed like a dollar less than two dollars and it somehow got up to that because of the past two fees they don't play around those toll roads don't play yeah and you can't afford to take them sorry you know in some place in the country it's like oh can't take a toll road it's gonna suck but and that's a lot of times in texas you can get around huh that's the start of my medical that's not even the full extent of them because i didn't get some of them until after i'd already sent them 107 bucks i have a 4 000 something okay but this is 107 yeah that one's 107 i have a 500 one payment plan with this we haven't even started This was from August.

38:54This was from my lung collapsing. Okay. So that's just now hitting. That's a bit scary. How do you think your lungs feel on a daily basis when you put 10 cigarettes into them? Yeah. Want to quit working on it. One of the biggest questions I get asked is where can I find expert advice about your money that's customized to you? How can I retire early? How can I get my money, make more money? Should I be buying or renting in today's crazy market? So let me tell you about the company that I'm using myself that is an absolute game changer. Domain Money is helping me get the most out of my money and they can do the same for you.

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41:15Let's see. Oh, what is this? $27 ,118. What is this? That might be my car. What car? Where do you, where, where, where, where, where your car is 5 ,836. I don't know what that one's from. What do you mean? It's$27 ,180. Yeah. I've never spent that much, so I don't understand where that could be coming from. Maybe the original balance of the car before they sold it off? I think so. It's a 75-month term you took out. That's insane. That sounds like my car, the 75-month term. Yeah, you got off easy, they're saying. Sounds like. Yeah, I definitely do. Because they were able to sell for a decent value, probably because when they repoed it, yeah, the car market was still a bit more wild.

42:01Not that it's fully recovered, but you got lucky. In my application, I definitely thought it was a lot higher. Explain it to your monthly payment. that was a lot higher than it was and the fact that it's as low as it is is like oh okay it's not as bad as i thought it was but i also am not gonna be unrealistic and underestimate the damage that i've done to my life so you haven't driven since 2022 how have you been getting around my mother um my boyfriend so the only reason you're with him right now is because you kind of need him like be honest it's not the only reason i do care about him i do love him it's just i Are you breaking up with him?

42:40I most likely will be. Does he know this? Yeah, he's well aware. He just refuses to accept it. Unless he does what? Unless he can step up and... Well, do you think he's going to be a f***er come onto the camera in the post show? Yeah, we'll see about that. He's kind of... I don't want to say that word. How does he feel about you doing all that? He doesn't care. Lying for people. He does not care. Which is ironic. Is he a part of it ever? Yeah, we have some comments on there. Every time. Lots of OFers on this show recently. Yeah, it's a easy passive income. Everyone's doing the OF these days. It's easy passive income.

43:19That's what you have to understand. Give me 10 million subscribers and I'll post my a**hole online, guys. Oh, my God. I mean, I don't even. They call it the hammer hole. I might just make a few extra accounts and just mass up to help you, you know. And my tagline is, any hole will do. Oh, God. I you're gutsier than I am. I'm proud of you. What can I say? Brave. Oh, brave souls. This is a finance show. Fig loans. LLC. Yeah, that's that payday loan type thing. I got a payday loan. This was a couple. What are you taking a payday for? That was at the time it was used for something that I needed for content creation.