Financial Audit’s Most Special Guest

29:26Because right now again Loser Not like this Oh my gosh Oh I'm actually like I'm actually irritated Wow Wow. Oh, man. Listen. Yeah. Okay. Sure. I'm asking what do you want your life to look like? Describe it to me. What are goals you have? Things you want? Well, I would like to be in a stable relationship and build a future with that person. Oh, my gosh. Eventually. You sound like me complaining every day. Is that the only thing you care about? Is that all we have to grasp? Well, I mean, also, clearly I care about... And I feel like I've been enabled to by a lot of people in my life. Like, I just had a friend give me an ounce of...

30:12So... Did you ask for it? No, but then after that, I also went to buy another ounce of... I'm not even, like, anti-wee, but you're gonna make me be. Don't do it because of me. It was great. don't, don't not. You're a ridiculous example of humanity. Why would I not be opposed to everything that has gotten you to where you are in front of me right now? I mean, everybody has to be an example of something. So look, you all know, I love calling people out on their financial train wrecks. We've tackled credit cards, payday loans, and more, but there's one giant moneymaker we've only scratched the surface on, real estate.

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32:52Then master your real estate is your next move. Sign up for the course today, lock in that massive discount only through the end of this month and dive into the world of real estate investing. Seriously, real estate has changed my life and it can change yours too. Let's go make real estate your next big win. And remember, we always offer a 30-day money-back guarantee, but we have the lowest refund rate in the industry for a reason. i bring the value check it out link in the description below this is me jake our resident says an ounce of is a load like enough to last a normal person several months yeah i'm not a normal person well i am now i really have cut back on but before which is why i think the person gifted me an ounce because i think that they were thinking that i was smoking as much as i was but I'm not anymore.

33:42So, but then I impulsively bought another ounce of like, you gross me out. It's just a person. Oh, I feel gross. Um, and you're probably thinking too, how are you even able to buy on a credit card? So I found trying to think to not throw up. I'm sorry. My body is fighting in Illinois. We have dispensaries and you can use a debit card or cash to purchase. Not a credit card. How the are you matching all these credit cards? What is happening? Oh, because you spend all your cash in your account on. So then you don't have any money to do all the other things. So you spend your credit cards on them.

34:18No. So I found out that smoke shops have in Illinois, they have that has THCA in it, which is the main compound that's also found in dispensary. Essentially, it just gets you high and you can use your credit card at smoke shops. So that's how I've been funding my habit. this is where I would normally say, get the Fizz card. It's a debit card that builds credit, but I don't want them associated with you. That's, I feel like that's not very valid, but okay.

34:58I mean, dispense is more expensive than it's most up. So it's not like I would go pay off. Just minimum payments without purchasing anything else on it. And trust me, you're incapable of that reality. Like seven years, maybe. Three years. Okay. Seven years is acceptable to you. Well, if it's maxed out now, so I'm sure it's going to take a little bit longer. Six or seven. You're right. Yeah. That's okay to you. So you max out a credit card every two months. I mean, I'm here now, so am I okay with it? No. You care now? What the fuck do you mean you care now? Why did you just realize you woke up not next to someone the other day and you're like, oh, I care.

35:36What was the wake up? There was a wake up? You never wake up. so what was the wake up well i would

35:48oh usually i see a glimmer i usually see like a crevice and i can break through that crevice to break through to the person and get them to something where they actually care by the end but oh my goodness i am not finding it yet and this is dangerously far into a conversation for me to not have a hint of a crevice oh oh okay yeah did you have some kind of wake up so funny story i actually was watching a financial audit and that person just watching them and their decisions and you talk about their decision was it you're saying the horse girl okay it literally came out a couple days okay yeah yeah yeah yeah yeah that's when i had like my epiphany of like oh wow i am an idiot but you applied before then yes which is why my fifth fifth third card is now maxed out so because i was still making stupid decisions the most productive thing out of this conversation that i think i'm going to get by the end of this is someone's going to be a complete f***ing life and they're going to see this and they're going to be like, oh, that's me.

36:59I need to change something. I don't think you're going to see it. I hope. So, yeah, you're right. So it's like$1 ,500 now. Yeah, and maybe like 87 cents. What a f***ing hero. Minimum payments probably double, so I'm going to say like 70. Sounds about right. F***ing I have weird hiccups. I'm sorry. oh that's okay I do too I was gonna say you cannot make fun of me for that because you hiccup as well so okay how much of me have you watched you just hiccuped like 10 minutes ago what do you mean oh but you did make progress in something though see they know things about you that I don't know and I guess you're just refusing to say you've shown actual discipline in life you should tell me this because I can work with it apparently you smoked three packs a day using this card and you just stopped like a few weeks ago yeah so a lot of these purchases that's incredible cigarettes and i quit cold turkey three packs a day yeah yeah i was smoking three packs a day how are your lungs here well i started at the end of september wait no you started smoking at the end of september yes and i immediately started

38:19listen I was under a lot of stress your lungs were under a lot of stress yes but here I am still alive and breathing thank goodness that's the most what the what stress you work 32 hours a week and don't do anything other than smoke and eat food what stress you have no stress what the f*** happened to make you you quit you quit I just kind of gave up that's insane what made you quit cold turkey like that that's insane I quit cold turkey because I knew that if I just continue going I probably wouldn't be able to stop same with your f***ing spending by the way same with your eating by the way same with your debt by the way that all works like that I would also like to mention that I haven't smoked any weed since Friday.

39:16So I've also kind of quit cold turkey on that. But it's been a few. Listen, we have to start somewhere. We have to start somewhere. Yes, it's only been four days, but still. A generous four. With how much I used to smoke to now. Because I used to smoke at least like 12 joints a day. Like King Cones. Oh, my gosh. Lindsay, how do you do this to me? Oh, she just hits me with the information. And it's because you refuse to tell your entire story for some reason. And she knows your entire story. You've quit before. Yeah. No. Yeah, what's different? I also quit cigarettes before. So you didn't start.

39:59But that was when I was a teenager. You didn't start. Dude, you're just halfway through your 20s. It wasn't that long ago. It was like five years ago that I quit. Which is not long ago. Five years ago feels like that just happened in my life. Like I still feel like it's five years ago. It's been an eternity for me. Well, probably because you were f***ing doped up the entire time. Dude, what is... I started smoking heavily, I want to say like a year ago. What the f*** is different this time? What the f*** is possibly different this time? You quit before and then you went back. For some reason, we're like, you know what?

40:31I avoided lung cancer. Let me dip into three packs a day immediately. That's insane.

40:41i you know we had a guest on the show when she like was wheezing in her older years love her very nice person but she was wheezing because she can't breathe because she smokes like a pack of cigarettes a day but i don't you were at three yes anymore again anymore again yes but i didn't smoke for that long when i did when i was a teenager anymore again meaning this is something you've picked up yeah let's look at the spending down here you stop four days it goes uh we have to start somewhere bumble at the top yeah when i was trying to date so you've given up yeah i don't really date anybody anymore good maybe you need to fix yourself first i'm not actively trying to find people good maybe you need to fix yourself first I mean, I do still talk to someone.

41:36Someone. Yeah. Little FWB. They're also in a pickle, too. Or you're looking at his pickle. Well, I mean that, too.

41:50Look at these purchases, ladies and gentlemen.

41:56Yeah, they're all bad. Uber Eats. Bumble again. What the f*** are you paying for on Bumble? I think I was just doing like their day Like their per day But there's three immediately Bumble, bumble, bumble Like listen, I did the premium version But it's, huh? Yeah, you can do premium of bumble for like each day You can do it per day It's four hours a day What the fuck were you doing? I was just trying to like match with people So that I didn't No, no, no, no, no, no, no Not me Maybe women in general have it easier than men Yeah, maybe No, no, no, it's like the It's the men who are usually considered the, when me Bumble, the product, I'm looking at the men.

42:38Women tend to be the product that the men pay for. Yeah, but Bumble, it's the other way around. It's the women who have to make the first move. And I usually don't get a lot of matches on dating apps. Yeah, but it's still up to the men to do the swiping, typically. Yeah, but I don't get a lot of matches on dating apps, so.

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44:08Yeah, you'll re-download it and you'll log in. I think I deleted the account, but I can double check and see. Double check. And I'll keep going through this. you went in and got some BS more bumble what are you getting energy drinks you stop at the 365 market endlessly oh that's at work what are you getting most of the time I don't pack a lunch pack a f***ing lunch you've given yourself two extra hours every morning you have two extra hours compared to everyone else every morning so f*** you pack a lunch if you're not going to get there on time so vending machine vending machine or bulls*** whatever the f*** is Uber Eats McDonald's yeah Sally Beauty I guess that didn't help us with matches Starbucks, Wendy's, McDonald's, Wendy's, McDonald's Uber Eats, food for less I think we need less food

45:03I mean I like to eat food I like to eat food to survive but I will say I use food as like an emotional coping mechanism I'm talking about your spending Well, yeah, but. I'm talking about just spending your Uber eating every second of your life and going out to eat endlessly. I do not have a Bumble. Oh, cloud vape and tobacco. Yep, that's a. McDonald's. Oh, also, it's not just. You're getting to work over there? You're getting to work over there? So I don't have Bumble anymore, but. Did you download it? Yeah, I don't have it anymore. I deleted the account. So I also didn't. For a while, I had a friend who was also into shroom gummies.

45:40and fun fact you can get those at the smoke shop as well so it probably also wasn't just what are you blaming your friend on huh i'm not blaming her i'm just saying that she was into it so then i was good for her oh because you have to do everything your friend does yes yeah are you lonely no i mean yeah maybe you don't have to do everything your friend does i don't I just also like if she was partaking I mean I might as well too might as well join the party 29.74 % interest rate

46:20yikes 3 packs a day I'm glad you stopped honestly that won't compare to all the other cards it's not a bad what the f*** does that even mean to you compared to all the other cards it doesn't matter if compared compared to reality compared to me buying in my app that I personally use to invest in Moo Moo. Yeah, that gets 10 % a year on average. Yeah, 28 is pretty bad. 28 is pretty bad. Yeah. It's not good. It's not the best, but it's also not the worst. No, it's not good. And it doesn't matter if it's not the worst. It doesn't have to be a fucking getting shot right here. Isn't the worst. Probably this is or this is.

47:04doesn't mean that's good. Well, yeah, being shot doesn't sound fun. No, and neither does getting charged 30 % of interest, basically. Rounded.

47:20I also think, honestly, if I'm just thinking of the resources we connect you with, I need you to sit down with the therapist. We'll give you three free therapy sessions with Sondermine. Believe it or not, I'm also in therapy as well. Yeah, you must be just in the endless cycle and someone that's like enabling you at this point hearing everything. I actually just switched my therapist so. Well hopefully they do something. Why'd you switch? Because I wasn't getting anything out of my other therapist. I saw her for like two years and I she was great but after a while like. Because you heard what you wanted to hear?

47:49No no no not at all. No she would call me out on my bullshit all the time. You just didn't listen? Clearly not. So I don't think it was her that was wrong. I think it was you that was wrong. So now you're looking for someone who's not going to call you out on your bullshit? No. I needed a more trauma-focused therapist, so. I'm leaving this conversation with trauma. Okay, discover it. $1 ,583.37. The minimum payment of$52. And the last one. Oh, this one's over maxed out. Yeah. This one's over maxed out. So the interest rate just kind of like bites me in the ass. and it just keeps going up. So it's over the amounts that I was supposed to have on there.

48:42Well, not supposed to have, but put on there. This is insane. You are at$1 ,583.37 with a$1 ,500 credit limit with the possible$5. Interest is accruing. Minimum of the payment is$52. You don't even pay that full minimum of the payment. How long does this take to pay off? Like five years? Ten years. You'll be mid-30s. You'll be mid-30s with nothing at all happened in your life. Well, exactly. Well, because you didn't fix anything of you. There's a lot of behavior things that we need to put effort into fixing. If we want to get out there and we're looking for that connection, you have to put in the work.

49:32There is work I have to put in. Okay? So I get it. I can relate to you in this in a slightly different way. I'm not necessarily the best at, you know, getting to the multi-date step. I'm good at getting dates. I've always been good at getting dates. I'm a little gooner. I have little hookups. You know, I'm a single dude. You know? I get it. It's fun. But I am also looking for something more real. And luckily, hopefully I found that person because we really like each other and it's fun. We're a couple months and whatever. But for you, I can relate to that. You are not going to find somebody if you do not fix yourself first because you're going to you're going to try to use them as a crutch to fix you.

50:24And they are not going to stick around. Why would they? Why would they? I don't know. that's a good question. I've asked that myself and I don't really have a good answer. They said this entire card was too. Yeah, I could believe that. Three credit cards maxed out on fucking this is insane. I mean, if you go through an ounce of fucking day. There's probably going to be more. I said there's probably going to be more. Why? You quit three days ago. Three and a half. Yeah. Why is there probably going to be more? It's not something I want to hear in this conversation. Why is there probably going to be more?

50:56Well, those aren't from three days ago. I said those aren't from three days ago What? The statements Is there more on here? It's higher balance? No I can't spend any more money on that But like on other cards maybe It wouldn't surprise me

51:19Okie dokes

51:24You literally quit smoking a year ago and then you fell back into it. You tried to talk about high school, teenage years. You smoked weed last year, you quit. You got back into it and you go through more than I've ever heard was even consumable on a daily basis. And then you max out all your credit cards with them and then you spend all your money getting food and then not waking up the next day because all you care about is your little substance and just laying on the couch and f***ing around and being a lazy loser. it sounds insulting but that is like I think what the word is actually meant for like it's not like a middle school insult I was in a better position I want to say at the beginning of 2023 well because 2024 yeah because you quit you quit it right but then you went back to it and now you quit it for three and a half days so what confidence what confidence based on your entire history so I have had not as many credit cards maxed out but I have had credit cards maxed out before and I've that's followed that's what I followed the Dave Ramsey baby steps and I paid them all off and then I started to save money in an emergency savings because this is before they had the emergency savings first and I got up to like eight hundred dollars and then I just said I guess it and just went to town on food and being lazy I think you might be a liar i think you might be a liar why why because i don't go into these conversations knowing someone's finances but they asked me where i wanted to put a document so i know there is a document in here and that document is a consolidation someone that we'll get to They said that consolidation was your previous debts.

53:25That is not the Dave Ramsey method. Okay, no. First of all, that's not what I'm talking about. I paid off. So you did it three times then. You paid it off. Then you built it all the way back up. Then you consolidated it. And then you built it all the way back up again. I didn't do it three times. I did it once where I paid off all my debts. I don't think taking a consolidation load is paying off debts. Because you still have that debt there. But I'm saying back in 2023 to 2024, I paid off all my debt that I had back then. I am saying you've built up your credit cards three times from nothing. Yeah.

54:02Built up, paid off. Yeah. Built up, consolidated. Built up, here we are. A lot of the stuff that's on that Discover credit card, too. So, like, it's not all of my purchases. I had to help my family out. Specifically my mom. I like 200 of that is to help her get her license reinstated so she could help take care of my dad. Her license reinstated? Yeah. What did she do? Wait, what do you mean? She made some mistakes and she had her license suspended. So. Okay. What did she do? She got a DUI.

54:43I didn't get the DUI. She did. Don't look at me like that. I just feel like you're on that path. It kind of makes more sense if, like, that's your mom. That's your mom. I'm not making fun of it. But, I mean, that does translate. If you grow up in that kind of house. Yeah, we're a little messed up. Just a little bit. It's not cute. I mean, I didn't say that it was. That just means it has to take extra effort and extra work for you to do better. actually listen to a therapist that says you need to change things and calls you out on that bull instead of you just going and finding someone else that's going to tell you what you want.

55:21I will say the first therapist that I had she was the one who helped me pay off all my debt the first time. Probably should have stuck with her. But eventually she stopped helping me. Maybe you shouldn't have access to debt because you don't know how to manage it to save your fucking life.

55:38Probably not but also what if something happens and I need the money? that I don't have. That's what an emergency fund's for. What are you talking about? You went through the Dave Ramsey method. Did you only stop at number two? Before I started f***ing up again, yeah. Number three is that three to six month emergency fund, if I'm not mistaken. Technically, I didn't even finish step two because I didn't save$1 ,000. I only saved$800. That's step one. Well, now it is, but before it was step two. Step one was paying off all your debt and then saving for the emergency fund, but then they flipped it because a lot of people were complaining.

56:13Because what if something happens to you? And you went through all that and you're able to speak on that, which I didn't even know. You're able to speak on that. And yet we are in this situation and you're just. Yeah. When did he break up with you? My ex broke up with me at the end of 2022.

56:34We're reeling over that? I'm not. You were together for a few months and he broke up with you in 2022? Oh, I don't even know. I thought you were talking about my ex I don't consider You brought up a breakup at the beginning I dated I mean I dated them But we were in a relationship We just were dating for four months

57:01Not in a relationship When do you consider it? When they asked me to be their girlfriend So we were dating How long were you guys together? uh in that not relationship relationship in the real relationship two years okay why did he break up uh he said that he wanted to go back to school and he just wasn't sure about yeah okay uh well it's been three years yeah i mean we're friends so give it another shot i mean i wouldn't mind but also that's his decision and I don't know if he's ready. Did you ask him? No. Because I'm not going to be, he's the one that broke up with me. I'm not going to be the one to be like, oh, hey, want to start this again?

57:44We're allowed to have adult conversations. Right, but I don't feel like having that adult conversation. Well, there you go. That's what it is. It's you and your immaturity. I'm very blunt to people, very forward to people, and it rubs some people the wrong way. So I get it. I've experienced that. But sometimes you got to get out there and actually do some. I just don't think I'm ready to date or be in a relationship with him again. Oh, him. Yeah. Go shank everyone. Because the way he broke up with me was not okay. By breaking up with you because he wanted something different? Well, the way that he did it.

58:17How did he do it? He did it over Snapchat. Oh, yes. I mean, he's as immature as you, it sounds like. Okay. Probably. I guess I missed this credit card in my fury of annoyance. We have a credit one, which means we're basically bottom of the barrel. Bottom of the absolute barrel. Like, my okay okay okay no we're good 1000 what card are you 100 credit one 1134 dollars and 37 cents so we have space on this card that card is no not anymore it's fully maxed out now

58:56this is this is this is i've never seen more repetitive notes i've never seen more repetitive of notes. I look over to see if there's anything special I should know or ask any questions and it says lots of purchases. What can I say? I'm consistent. It's what! That's all you are! Your entire life is f***ing... Well, this is pretty f***ing exciting for the world of financial audit. Something big, Mar. Nearly 60 ,000 of you have downloaded my budgeting app, Simpler Budget, in just a few weeks of its launch. And let me tell you, we've heard amazing feedback. People are enjoying the automatic account connections.

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1:00:16Because a guy broke up with you three years ago, you just spent your entire life getting f***ed baked, Ubering feed, fruit, not waking up. To be buried and start smoking f***ing right after the breakup. So I don't think it was because of him.

1:00:34let me see the purchases that got you all the way f***ing up it's maxed out so you're at 1800 well I gotta see the Josh you're gonna love this I know the show has aged me well I mean you look great if you really do feel like that yeah okay just saying oh we're almost maxed out so not yet And I am screen recording for you. I don't know if it'll work. Available credit$22. You have a balance of$1 ,918.46 on credit one. The worst of the... Amex, technically, but under credit one. Minimum. What's your normal minimum? I don't even know. I'm going to guess it's... Probably 70 or 80. Credit one's usually like 40 or something.

1:01:32Yeah, but not when they're maxed out. They like to hike that shit up. I thought they'd want to keep that balance as high as they can. Let's say 70. I'm going to pretend like you might know. It's just your food at work. Food at work. Food at work. Food at work.

1:01:53Stopping getting some BS. Food at work. Food at work. Food at work. Food at work. Food at work. Food at work. Food at work. these are literally a couple days ago food at work food at work yeah yeah i have work yeah jewel is a grocery store so yeah but it's four dollars you weren't getting groceries oh you know what i was getting cheese for a recipe food at work food at work food at work what i got cheese for a recipe at jewel so technically it was there any left before you got home food at work food at work food at work food at work

1:02:28there's also another fun purchase on here that you missed no okay i'm gonna grab my stress cube i'm done oh never mind you can't see it on here thanks well what fine what was it uh well as a single lady you just need some things to stop yep stop stop

1:02:56But mostly that card is groceries and food at work.

1:03:06No, that's the weird sounding one. I know I have weird hiccups. Sorry. There we go. Is that real? Yeah. Sorry. They only happen every once in a while. It's not cute. It's really scary and kind of disturbing. Because you can't breathe? No, just the sound. Just like, what the fuck? Why do I make that sound? I don't know.

1:03:33So you bought a massager.

1:03:39You got to get it somehow, girl. Did you get any matches while you were on Bumble and you picked for it? Yeah. Because I could actually see it because a lot of the times it'll recommend me people that I don't am not like attracted to. so and i'm very picky what is your type uh i like handsome athletic dark skinned oh handsome athletic okay well okay so well handsome subjective but athletic and athletic yeah usually they don't have to be dark skinned but that's my preference i don't know that's just do they like you yeah i mean yeah

1:04:23when i was paying for the bumble though i wasn't actively seeking to date i was more just looking for hooking up though so yeah okay we have capital one 44 dollars 73 cents the 25 dollar minimum payment you didn't even fully pay it off you were so close the 99 cents of interest like why you're at 43.16 you paid the minimum payment all you had to do was double it and you would have paid it off and instead we put it immediately back on there well the credit limit's only 300 my life$44.74 which you owed with a$25 minute payment why are we purchasing on this when you could have literally just paid it off why why I didn't have the money I didn't have the money to make the full why purchase on it because I don't have money It's literally your, it's vape.

1:05:09It's, it's weird. It is, it's, and buying food at work. That is not things you need money for because you don't need to do it. I need to eat. Oh, you pack a lunch. You go into work two hours late. You are the last person in this entire world. The last person in this entire world who does not have an excuse. You're the last person in this world who would have an excuse. To not pack food.

1:05:41Fuck sake. To 29.49 % interest rate, I am losing this conversation. So, instead, I actually have some news. Can you please put this hat on for me? Why? Please put the hat on. What is this even for? What are we celebrating, my stupidity? Me being four days clean from... Yeah. No, not much. I'm surprised this even fits around my big ass head. Me too. But good news.

1:06:26What the heck?

1:06:35Congratulations! Congratulations! Today, on your credit card that was interest-free, all your deferred interest has hit! Woo!

1:06:48Thank you!

1:06:54Your life's a complete f***ing mess! Amen.

1:07:03So, I actually have a funny story about that. This is it. I'm going to take this from you before we make it harder for you to find a boyfriend. I thought you were totally going to like smush that in my face just out of anger and rage. No, not yet. Okay. Well, thank you for waiting. Funny story about the deferred interest. So technically that isn't even from my furniture. So at the beginning of last year, I got a couch for$2 ,000 that has deferred interest for i want to say another i don't know like year year and a half maybe two and i helped my grandma get new furniture because her yes because her apartment building got bed bugs and she had to throw out all of her furniture and my mom suggested that i help her out and she mom Why does your mom, D-U-I mother, do that?

1:08:04Because she didn't have the means to do so. And she still doesn't have the means to do so. So I helped my grandma get furniture. And she did pay me for it. But a lot of the money that she was giving me, I was just making the minimum purchases on it. But I also didn't know that I had to call them in to put the money on specific promotional balances. Yeah. So the synchrony card is for... Why don't you want to pay the whole thing? Well, I mean, yes, but my couch has a larger promotional, like, a longer promotional time period. Buddy. Buddy. But the... There's two other... There's two other payments on it.

1:08:49What is this longer... Okay, so, yep, today, today. So two of them were due today. Promotional... Oh, my gosh. $350 $340 of interest just hit yeah jeez my yep so that was interest will continue to accrue on those balances yeah I understand what you're saying wouldn't we want to just pay it off in general though also I believe synchrony online I mean I've done 0 % interest things I select what I want to be paid to other places it doesn't allow that option when you do it over the phone and I don't know why I literally just said online I didn't say over the phone I know but I was making the payments on the phone So why didn't you go the f*** online Because I didn't know That's what every

1:09:37Sorry The confetti was a perfect touch Lots of I don't know You didn't know there was a f***ing website I knew that there was a website But I figured that the application I figured that the application I mean, they're such a big company. I'm sorry. I have no sympathy. Like, it's a f***ing website. I just thought that they would have the option to... And you learn that they didn't. So then you f***ing go to the website. Or you Google it. Yeah! Or you ask someone on the phone. And they would tell you, go to the f***ing website! Yeah, I definitely should have called. You should have literally done anything.

1:10:16But you did nothing. So now, your interest accruing balance is$1 ,304.80. Your minimum balance is not going to be like$100 across the board, probably. And then your promotional balance, which expires in a year, is an additional$1 ,434.22.

1:10:45Yeah, I f***ed up on that one. Did you even know it expired today? Today, no. I knew it was going to be happening soon. I knew our celebration was for a reason, then. Surprise party. I figured it would be towards like the end of this month beginning of next month or you could have f***ing looked and you would have known you literally pulled these documents for us I know it was happening soon just not today but thank you for the celebration I guess now I know for sure yes you know and it happened it doesn't matter anymore it happened it hit it f***ing hit it hit One main financial Oh jeez what is this Oh this is so big This is the biggest so far You own$9 ,692 That's my consolidation loan A monthly payment Oh this is the consolidation You consolidated it 35.98 % That's higher than any credit card would be The f*** are you doing What was the logic here This is so Oh I'm sorry I'm sorry you're just so f***ed man because this is so dumb$363 minimum payment so another story about that oh another story let's hear it so i get a benefit from amazon to speak with a financial advisor and before i got the loan i asked them if i should do it and they told me no to just continue making payments and the payments will eventually go down lower and lower.

1:12:19And I didn't have the money to continue making payments and pay rent. So that was like the only option I had at the time. So I conciliated so I could pay my rent and have a lower minimum monthly payment that I could afford at the time. Go through our debt class so you understand every single type of debt that exists and how to utilize it for either against you or for you go through it you get it for free go through our budgeting class so you learn how to budget go through our investing class so you learn how to do the investing and if you ever are interested in getting real estate you get our uh master your real estate class as well i didn't think that it would be that bad of idea because i just kept getting to obviously become educated because you know nothing so please go through our educational content take the quizzes you get them for free everyone else gets them bundled at a massive discount but i will say i got got because they kept sending me things in the mail and i just eventually went to the office more like a baby but yes yes dude the principal alone the the payments going to your principal is is about a third a third two thirds is going to just interest alone and so you put rent on this is that what you said um i didn't have enough money to pay rent that month and so i paid off most of the balances on my credit i didn't even finish paying off all of the credit cards i use some of that money towards my rent yeah otherwise i would have been fucked i was paying 400 a month in minimum monthly payments and now it's like 364 because of that well obviously it's more now because i put more money on the cards but back then it was 364 and just that so they advise you to not do this and then you're like oh so if they advised that I may as well do the opposite thing.

1:14:08So obviously that's going to be horrible for my life. I just felt like I was backed into a corner and I had no other option. You were. You were because of your actions. Yeah. You were because of your fucking actions. I mean, it helped out back then. It probably helped you on a minimum monthly payment, but you're still paying more overall. And again, if you didn't fix your behavior, it actually hurts you worse because you build up all the other credit cards again There's only one credit card we looked at today That wasn't maxed out One singular card A whole One card It's probably maxed out now Depending on what card it was What is this?

1:14:51A fruity pebbles cake? What did we get here? I don't know but it's very nice Thank you You're literally not going to let you have a bite You don't deserve it You've not been good during this conversation I probably can't even eat it anyway So I have allergies. To what? Literally everything. Then how do you eat so much? That's another. This entire. Every statement is eating. Yeah. I don't feel good after I eat because I eat. I'm not supposed to. Yeah. Your entire life. You don't give a about anything. And again, your only goal is to get with someone. And I joke about that being my thing. I make fun of myself for it.

1:15:37I like to do lots of stuff. But I have so many goals. If that was my only goal, I wouldn't do anything in life. If that's the only thing, it's not enough of a big goal for you to motivate and be real. It's about all this stuff, about fixing this. It's not my only goal, but it is. Then tell me a fucking goal because you haven't yet. Well, I mean, I just want to be a responsible human. I just don't know how. For why, though? for why yes i would like to not live in poverty i don't know if that's enough i don't i don't know i see how my parents live and i don't want to live like them so and they told me you racked it all up in six months anyway which is terrifying so like just like you're quitting smoking and then all of a sudden you're to three packs a day like that to quitting to going through an ounce a day like that to consolidating all the debt and racking it up like that your life terrifies me

1:16:39boo yeah that's a great mature response because you have nothing else to say because you have no defense because there is no defense this is not defensible your life is a joke so you have no other cognitive ability than to face this like a joke it's a great look you're really gonna find someone this is exactly the character people are looking for

1:17:14medical centers i'm assuming this is medical debt yeah i've been to the er a few times are you okay yeah no i'm good i just don't believe in paying in medical debt oh okay yeah why pay for other people's labor I mean the insurance company already gave them a decent amount of money so why should I it's something you accepted I don't know you chose to go listen no one's thrilled with our medical system and I can't believe I would be the one playing devil's advocate against it but you still chose to do this yeah and I also choose to not pay yeah and well medical it'll roll up it doesn't even it's not even on my credit so the only medical debt that i had on my credit was different from this and it rolled off in like five years so well the biden administration changed some rules um it appears on your credit report after one year so a lot of that after one year of collections three years so that's three years and there's a 12 month grace period for that uh and additionally as of that 2023 changes medical bills under$500 will not appear and paid medical collections will not appear.

1:18:27I'm surprised that this isn't because it should be. Oh, that's because this isn't under collections yet. Once they send this to collections and then a year after that, that's when it will appear. You paid$30 in October. What made you do that? That's my copay. So that balance is from when I was working with. So this was three years ago. How would you have a copay in October? Because I, that was. Is it a racking balance? No. So that's just showing like the last appointment that I had and the amount that I paid for that appointment. That isn't showing the amount that I put towards that amount. That's due.

1:19:08It says last paid. Okay. Yeah. I don't know. I don't. I'm not the one who makes that. Listen, I'm sorry. I just don't think there's anything here. I don't think there's anything here.

1:19:23Would you eat confetti? No, it's just one of those sweet-based. That's usually what cake is. No, you little tit. They have cream cheese frosting out there. That's delicious. Oh, so you only like cream cheese frosting. Yes, I said I don't like the sweet to be sweet, where it's a sugar and water whipped. You like a little flavor in there. Got it. Something that's just not just like a sugar. Started with$9 in our checking account. Is that all your debt? Have we hit your debt? Oh, you've had over Jeffies. A lot of those, they're not my fault. Not your fault. Yeah, of course. Yeah. Yeah. Please tell me.

1:20:04Please tell me not your fault. I would love to hear. So when I would use my grandma's Amazon account. Oh, yeah. Okay. Because she has Prime. All of the other cards that she had on there would decline. But then I would have money in my account. And then it would take that money from my account. even though it wasn't my when your grandma spent or when you spent when my grandma spent so it will not so she has okay then get your cards off of her and i already did so

1:20:39you ended with higher balance you're lucky oh my gosh this is okay okay the spending on here this doesn't make sense this doesn't make sense this is it's food food food food food food food food food food food food nintendo food mcdonald's food Food, food, food, food, food, food, food, food, food, food, food. McDonald's food. McDonald's. Yeah, there was a while where I was really in an English muffin. Yeah. There was a while where you eat every second of your life, and that's considered right now. It sounds like I'm saying that as like an insult against like body. It's not. It's literally just your spending.

1:21:29I don't give a fuck about that. Like I'll make little jokes because I have your consent to do so. but

1:21:41God, okay. Wow. I don't like this conversation. I really don't I'm gonna call your ex in the post show and I think we're gonna learn some very different reasons why Okay, just some shit on your cash app $100 in savings down from almost 300. So really making in the world guys $2 ,436 in retirement and$47 in Robinhood why the f*** would you possibly have Robinhood? that was from a really long time ago so listen again the resources we can connect you with that we can connect you with the budgeting app and I'm going to see if I can make a budget here we will do that I can connect you with a course career certification if you want to get a job that vibes with you a little better that you're willing to show up to but I think it's more your drug habits and lack of giving a shit about literally anything in this world.

1:22:29Can I have a new budget? I've lost it in the confetti. Oh.

1:22:41I don't think he likes the frosting. I don't like the frosting. $2 ,600 let's say that's what hits your account. What's your rent? $1 ,325. Oh. Oh.

1:22:54Oh, that's funny. Your life is being destroyed. That's funny. Your life is a complete mess. That's funny. Your life is... That's hilarious. That's hilarious. Yeah. 50 % of our income goes to rent. That's hilarious. Yeah.

1:23:11Even if you... That's the sound of...

1:23:17Couldn't even make a joke. I wanted to. And I'm not in the mood. 50 % of your income goes... To rent. go rent and you just laugh about it i laughed at your reaction not about the fact that i paid 13. congratulations you're doing so well you're doing so well you hear that sound you hear it's the sound of cheek clapping things you haven't heard in a long time

1:23:56because you refuse to make your life better. $81.79 plus$70 plus$52 plus$70 plus$25 plus$100 plus$365. Your debt, minimum monthly payments. No car, huh? $763.79. There wasn't a car debt. No, I own my car. Okay. A random diamond in the rough. I don't even want it. What's your car? and how's its condition um it's an 07 honda accord and it's an okay condition it's not the greatest seven yeah yeah it's a bit old at this point okay it only is 160 ,000 sorry say your rent again 1300 what about utilities uh utilities are about 80 a month that's it like around 80 or 90 80 an additional 80 okay car insurance 140 gas vroom vroom drive drive I don't know Come on Like 300 200 300 300 phone bill I don't pay for my phone Good When you do do helium If T-Mobile is good in your area Yeah For 15 bucks a month Used to pay$50 Necessary food $300 Congratulations You see our cookbook right there You get it for free Because you get the premium version Of simpler budget for free So make sure Utilize the cookbook It's budget friendly Healthy cookbook TP fund Anything else you need in life is makeup for dates.

1:25:21This is. I don't wear a lot of makeup. So it's just an example. It is anything else you need. It's a hundred dollars. I don't care about your dates. Medical. Anything ongoing. Uh, I don't, you don't need to put anything for medical cause I have HSA. So, or FSA, I mean, flexible. And it fully covers what you put into it. Yeah. Fully. I, yeah, I put into that is before your net, of course, of 2 ,600. Surprise. You do HSA. It's again, a random diamond in the rough. Okay. Subscriptions, no. Do you have any pets? One cat. Age and health? So he is about 10 months and his health is good. Okay. I'm putting in$35 for pet insurance.

1:26:02Do it. Okay. Because you could not afford if something would happen to him and you need to be able to pay for it. You're probably not in a position where you're responsible enough to have a cat yet financially. Cat food, how much a month? $40 a month, if that. He's a tiny guy. He doesn't eat much. Anything else that needs to be in your budget that I have not taken into account? No. Do you understand how your personality, attitude, beliefs, the way you go throughout this world is not a good thing and vehemently disgusts me? Do you understand that? I need you to understand that. Because it is not good.

1:26:46I cannot allow you to think that it is okay or just normal to go about the way you go about life. If you leave this and you think it's okay and normal, you're never going to get anywhere. I don't think that it's okay or normal. Then why the... Okay, cool. So what are you going to do to change it? Well, like I said, I wanted to get a second job. I have been working on... It's not the second job. I have been working on trying to make it into work on time. A second job's not going to fix that, though. I know, but it will help supplement extra money. Imagine. I've never... No human in this entire world.

1:27:17It's just the mornings that are really rough. Listen, no human in this entire world has ever said, I need to get a second job because I can't show up to my first job on time and I'm losing a quarter of my pay because of that. That's the dumbest thing in my life. By the way, you're under by$538. You know what? Guess what? With your income, bring in an extra 25%. Yeah, you probably make that up. So you'd be breaking even if you at least showed up to work and we could start paying off debt. We don't because you don't. And honestly, I don't think your behavior is going to change. You think a solution is finding another job.

1:27:46No, it's literally just waking up like an adult. Spending a budget. You overspend. Zero out of time. I'm pissed, so I'm just going to finish this and then call your ex in the post show and get the real reason why he broke up with you. Your debt. You don't have collections yet, but for your income situation and everything, one out of ten. Your emergency fund. There was$100 in savings. Zero out of ten retirement. There actually was a start of it. You are definitely behind for your age, but I'm going to give it a two out of ten. your real estate is a zero out of ten for now you're lucky that retirement is gonna boost you a little that's gonna be a hammered financial score rounded up to one out of ten guys join us in the post show i'm gonna confront her ex we're gonna talk about it and other things that we miss because there's so much more stuff in people's lives that they know about that i don't that we did not uncover and make sure you download our simpler budget app remember premium uh free trial And then those that sign up for annual get a signed simpler budget notebook for free sent directly to you.

1:28:49And check out our new real estate class as well. 30-day money-back guarantee. See you in the post show. I don't go just for one type of man. I go for any type of man. What the f*** did you just say? Just pretty much whatever I can get. Let me see a picture. Wow, that's not what I picture. He, he, he, what? She has his address, his opinions, his family. I have a bad memory. His work schedule. If a date saves my address, I'm calling the police.