Gen-Z Girl Going Into Debt To Bang Boomers | Financial Audit

0:01The world moves fast. Your workday? Even faster. pitching products, drafting reports, analyzing data. Microsoft 365 Copilot is your AI assistant for work. Built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use. Helping you quickly write, analyze, create, and summarize. So you can cut through clutter and clear a path to your best work. Learn more at Microsoft.com slash M365 Copilot. To watch episodes of Financial Audit a week earlier, check us out on YouTube. My now boyfriend lives with me. Okay. Why isn't he contributing to rent if he's living there? He had burnt himself out.

0:40Take a little bit of time. Take a break. 42. It is a little weird that a 40-year-old is not working. I kept hoping that he was going to get his stuff together. But is that not red flags to you? The fact that he's not willing to do anything? No. Hi, I'm Leah. I'm 25. I live in Dallas, Texas. And this is Financial Audit. Thanks for coming down to Austin. What do you do up in Dallas for a living? I am a lead funeral director at a modest-sized funeral home owned by a larger corporation. You're touching the bodies? What is a lead funeral? A little bit of both. We have kind of a unique situation where we don't do all of the scientific mortuary part of things, but I do get all of our folks dressed.

1:25I do hair and makeup. Folks dressed. The no longer existing folks. Yes. Oh, yes. so get folks dressed do hair and makeup get them in their baskets and ready to go gotta be nice and cute for your funeral yes yeah okay how much do you make in this right now i make something like 21 60 i don't know it was 21 and then i what your hourly is that what you're saying or 21 100 oh $21 and I think it's 60 something cents was my raise this year. You started at 21 and then you got up 60 cents for being a director. Okay. Um, how many hours a week do you work? Minimum 40. Minimum 40. And is there overtime? Technically not supposed to get overtime because corporate doesn't like overtime.

2:14Oh, it's a big corporate. Okay. So it's not like a small operation. Okay. If I ever have a little death in my young age, can you make sure I look absolutely gorgeous in my casket? Absolutely. Yeah, we'll stream it on YouTube for everyone. So you got to make me look pretty. Sure. Thank you. Okay. Well, let me see here then. So I had income payroll 2 ,559. Does that sound about right? For monthly? Mm-hmm. Hitting within the most recent month? Yeah. Okay. so with that what did you spend what was your number two thousand five hundred fifty nine came in what did you spend no idea it's always stumps people which is interesting because we've been asking it for a while so what do you think you spent well i know there was at least about what 14 on rent and utilities so 14 your rent's 14 my rent's expensive for you one two three four most of the time 1 ,234 was like the average i want to say it's pretty expensive for your income yeah while working overtime well why do you live in such an expensive place that's 48 of your net so i was really rushed on finding somewhere and by who yourself situation what uh because i was living in a house renting a house with my ex-husband and our lease was up in december 25 wow okay and i needed somewhere to go was this last year yeah very end of last year what was so rushing about it was it getting sketched or like what was happening the lease was up and i couldn't afford to pay for the house alone well the lease was gonna be up regardless you guys just when did you guys know you were ending things november wait that doesn't make sense you said it ended it in september december oh december so you had a month about okay people find apartments in a month if you look like if you look crazy this is i'm sure i'm sure life was crazy through the divorce and everything but i've found many rents for myself within a month's time a few weeks time you know i thought you were talking like a week because that would be rushed but it was like the application process is usually pretty damn quick and it was but at the same time it was the first time i've this the first time i've lived on my own on my own and making sure that single young woman in dallas there's a lot of dallas that you don't want to live in and be sure young woman And do you know the areas?

4:55For the most part. Well, there you go. Then you know to avoid them. But at the same time, Dallas is expensive. I don't know what the average rent is, but in general, Dallas is expensive. And my biggest. How many bedrooms in your place currently? One bed, one bath? Yes. Washer, dryer, hookups was my biggest thing. I assume that comes in most in a, well, depending on where you're living. The hookups? Mm-hmm. and a in a place like dallas though where it's this big urban sprawl because i know more density is less likely no they want or a lot of the places don't have hookups they want you to use their laundry facilities oh in in apartment facilities okay well okay i was thinking more like having to leave and go to like a laundry mat because that's a lot less rare today uh well yeah the median rent in Dallas for one bed, one bath is 1 ,258.

5:54So you're certainly well above that. Even if the upper echelon of 1 ,400, you're even above that. So I think, I mean, you're probably, you're probably pretty picky about what you're looking for. So how long were you married? November of 21 through December of 23. Okay. That's pretty quick. What happened? A lot of me saying, okay, I'll be happy when I'll be happy when I'll be happy when okay what was the when and what first win was I'll be happy when I graduate mortuary school I'll be happy when we get engaged I'll be happy when we get married why were you not happy stressed I couldn't I was so very stressed what were you stressed about a lot of it was finances a lot of it is general security I grew up not like physical safety and security but a lot of it a lot of financial a lot of long-term plan because I'm the kind of person that I need some kind of plan I need some kind of direction and I kept hoping that he was going to get his stuff together and at the time that it was the perfect opportunity for him to get his stuff together he had everything laid out in front of him and he was taking it but leaving me behind all right okay was this a big dramatic ending dramatic as nobody else saw it coming but it was not like a knockout draw out brawl it was he had seen me pulling away and it's just you still even with a month i mean you got an apartment that was more well more than the median in dallas and obviously more than you could afford because that was 49 48 of your net income are you is it just you there now now i'm the only one who's supporting it financially what does that mean is there someone else there my now boyfriend lives with me okay why why isn't he contributing to rent if he's living there so he moved down from indiana okay and when he moved down it was with the intentions of he had burnt himself out and just take a little bit time take a break 42

8:23okay you know i don't get listen there's there's a there's a natural shock that comes with it but But it's honestly because of Twitter. They've made everything sound so extreme. You're an adult. I don't give a fuck. I must be Twitter-brained. Like where I have to have a reaction to everything about everyone's adult choices. Whatever. Okay, you live your life. I don't give a fuck. But he moved down here with the intention of he was going to take a little bit of a break before figuring out what he was going to do down here. It was a little weird that a 40-year-old is not working. But it was, we knew that was going to happen.

9:00We knew that was going to happen. Okay, how long has he been here? End of April. Okay, how long did we agree he would not be working? There was not necessarily like an agreement, but there is the factor that beginning of July, I ended up having to take him to the emergency room. because what we thought was like really bad flu, maybe pneumonia at the worst, turned out to be a mass in his chest. So emergency room was like, okay, cool, we can't do anything for you right now. Go see a doctor. We tried to get in to see a doctor, and then at the very end of July, he ended up in ICU for the, or excuse me, very big.

9:42Did he have health insurance? No. Why? Because his previous job didn't offer health insurance. It doesn't matter. If he got laid off or something, did he quit? He quit to move down here. He probably could have got on the health care exchange like zero bucks a month. It's not something I have any knowledge about. It wasn't worth Googling? How do I get health insurance? I have none. Help me. I die? I think I thought of it more as. Well, him. Like it says it's not your responsibility. That was kind of my thought process was it's not my responsibility. I let him handle. So how's he doing today? He's doing better.

10:19So he ended up in the hospital for the entirety of July, basically. And currently we're still waiting on results. So right now he's in the process of applying for Social Security and Disability. Could you meet him? Online. Through what? Just a website. What? I'd prefer not to answer. Oh, come on. No. Fine. You don't have to, but they were curious. Is it like Sugar Daddy, Sugar Baby site? Okay. Just because, you know, the gaps are big. Again, like, I don't give a fuck. You live your life. But it's an interesting thing. It wouldn't draw as many red flags if you guys met and you just started dating and it went about there.

11:07But met online on our website. Dude quit his job. Moved down here. Hasn't contributed in any way whatsoever. Immediately has health concerns. So it's like. I know. It sounds. Are you into old dead men because you see them work every day? No, the joke has been made many a time. Oh, I'm sure. No, it was all happenstance. But is that not red flags to you? The fact that he's not willing to do anything? What was his job? He was working at a restaurant. And he was burnt out from a restaurant? It's not like that. Food service is a pain in the ass. I get it. But it's less that mental strain still. It's more physical beat down.

11:44And. There is a lot of mental pain that comes with it, especially in certain positions. So don't get me wrong. I think a lot of it was that plus the struggle of everything. What was the struggle of everything? Lots of vague things being thrown around. He has had a lot of adversity that he's had to deal with. Again, lots of very vague things. But so when he moved to Indiana, he moved from Alaska. when he moved from Alaska he didn't have a car and that was fine for a while and then COVID hit his license expired first of all who moves to Indiana if they're moving somewhere a friend had a place that he was willing to host him no I just like to sh** in Indiana because I lived an hour from there that's okay his friends still live in Indiana and we definitely still talk a lot of sh** about Indiana as you should but But he was fine, doing fine without a car, but just what he was making, what he was being offered hours at work and his expenses.

12:49But why couldn't he work down here even part time? This is right now. I'm just thinking about you. And when I see someone with red flags surrounding them, potentially leeching, this is like I'm not we can't get there conclusively. But it does make me a bit nervous for you. And I don't want you to be in a position that's. And if it weren't for the fact that he's the only thing stopping him from looking for work right now is the medical stuff. And the fact that he's currently in the application process for Social Security and disability. Because of the medical stuff? Because of the medical stuff.

13:28Is he able to move right now? Kind of. Kind of. OK. So he's very short of breath still. I mean, he's still healing from having three giant tubes coming out of his chest. No, sure, sure. That makes sense. I mean, but again, he came down here and didn't work. I'd get it if something medical like this happened and then he can't work. That's different. And it wasn't when he got down here. It wasn't that he couldn't work. We had the agreement that he was going to stay home for a while. No, I get that. I get that. Yeah. It's not like he came down and refused to work, but it's like he came down with the intention of not working.

14:03Okay. Okay. how long were you guys talking before he moved down? December so I went up to visit him for the first time and red flags keep popping up dude I'm sorry sorry that's not to be insulting to you like legitimately there are concerns okay I know I've heard it all trust me I'm sure there was definitely a big to do when I went up to visit him for the first time and there was a lot of pushback from my family in regards to me driving up to Indiana to meet a stranger. He is confirmed single, right? Yes. Okay. Well, we should obviously get into the finances a bit, but this is certainly, obviously, dramatically affecting it because medical, you take care of food, you take care of everything, you're care rent but you're even just the the roof or the head it's 48 of your net so wow and going into that rent the base rent like when you look up what's the rent for this apartment is 1050 it's the utilities it's you may have gone to top floor bottom floor middle well which one's the most expensive i forgot either top bottom bottom is it yeah because that was the other option that they gave me so it's just like fees and bullshit because i've got like valet trash that yeah yeah and then like one of my dogs is on pet rent the other dogs not doesn't have to do pet rent okay well self-assess where do you think your finances are zero to ten zero being the absolute worst 10 being the absolute best i definitely don't think they're the worst um because i could be you know saddled with like student loans and things like that it could be a lot worse but i know especially with the way i feel about my finances that it's not great do you have a number by chance like a five when traveling the biggest things we want to avoid are spending long hours waiting in line and getting scammed so waste of time and hard-earned money that's where today's sponsor salie comes in Saley is a global eSIM service that makes getting mobile data on your trips a breeze.

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18:07And if you want to be on the show and have a fake name as well, and you have interesting story, interesting finances, apply. Calebhammer.com slash apply. All right, ma 'am. Well, you date a large numbered individual, so you have large numbered debts as well. The debts were there before he got here, unfortunately. Okay, well, then discover it. Let me go. Let me say what the debt is, and then I want to hear. what the f*** behind it. Gladly. Discover it. Is this your first credit card? It's a lot of people's first credit card. Okay. Discover it at$8 ,353.29 with a minimum of payment of$203, which is insane for your situation, to be clear.

18:54Insane for your situation. Why are you purchasing on it? Well, probably because half your money goes to f***ing rent. so you need to spend I don't know how you're living actually to be clear oh and you give yourself a five great $182 interest is accruing you made the minimum payment but it doesn't matter you went and purchased$510 and two cents so whatever progress we were making if any which we barely were with the interest and everything cause the interest is only $3 less than your payment

19:28medical city that was medical city medical city medical city four medical cities four dollars vending machines parking what what are you doing oh oh it was five it was five four days in a row while he was in the hospital that was that's just on that card i was there every day is this while he was in the hospital oh okay i am eternally frustrated with how much money i had to spend to go up there and see him. Not his fault, but just the fact that the medical system is charging$4 a night for families that are there visiting their loved ones. Yeah, I get that. And just a side note, they also charge their employees, I don't know if it's the same amount, but charge their employees to park to go to work.

20:18Oh, are we sure that the hospital, one, is it a public hospital? Two, is the parking lot owned by the city? Because again, it gets really complicated when it comes to city stuff because parking takes up so much space that can be utilized to other things that free parking everywhere would be essentially subsidized by the taxpayers and not utilizing it for profit-making motives because all the parking that's used in cities could be profit and tax-generating things like restaurants and things. So charging money for parking, as much as we all hate it, it being free would essentially be subsidized parking being paid for on behalf of taxpayers instead of the individuals who are using car storage in public spaces, essentially.

20:58But at a hospital, I definitely get it. I definitely get it. Luckily, it's only four bucks. Four bucks for a night isn't horrendous. No. But it is annoying. I get it, especially in a life or death situation. That's where we obviously wouldn't want it. I would think more that it would be waived, validated. I'm surprised it's not validated Okay that sucks That sucks Microsoft store 18 bucks That would be for his Xbox Why is there enough credit card that we can't pay off That's only accruing interest Because otherwise it would be going on the debit card Or otherwise don't get it What are you talking about We don't have to get it if we can't afford to live You can't afford to live What do you mean What Xbox the subscription is Game Pass Game Pass you can't afford to live buddy refused to work for months while he was down here sonic driving door dash chubby or door dashing whatever that is the restaurant no i yeah i assume from door dash um okay another microsoft xbox bill eight dollars and 16 cents oh we don't even know but it's going on our card and it's just continuing to go up cvs pharmacy 206 bucks what happened there that one would be after he got out of the hospital that would be his medications that he got put on post-hospital we need to get him on some kind of health insurance like now you can't be turned away for pre-existing medical conditions at this point so he should get on you need to go to just the exchanges and he since he's not married or anything and then dude i really think he could be on something where it's like zero bucks a month it'll affect his tax base but trying to get him on medicare to help erase the ridiculous amount of medical bills that occurred from the month in the hospital they've already he's in for a whole month wow wow and they've already one of his er visits they've taken care of with their i don't know what to call it but they're i can't think of what it's called okay that's okay but i don't like the sonic and the doordash and the microsoft store and then the other xbox so there's two xbox things because we're sitting at a 26.24 interest rate so it's just like well it's even the point at that point you know you're not a credit card person you're you're not able to utilize credit cards anytime you have access to money you just spend it this is clear you can't manage this it's only going up if you ever get a credit card it needs to be a charge card like fizz card money where uh cards where it forces you to pay it back by the end of the month or you could only spend the balance that you put on it by putting money in like you cannot have access to these unlimited money cards you can't you're just not responsible enough for it and that's okay but if we recognize that you can protect yourself

24:05okay this is a huge one the interest rate is lower but it's still a death 14.29 99 % this is medical no this wouldn't be this is entirely um this is my name only what is it though this if i'm not mistaken is the rv is it not rv what the f you have an rv for i have an rv in name only it is my mother's permanent residence oh she puts all she takes care of the payment that yeah but what happens if she doesn't it's on you the only way she doesn't is if she kicks the bucket yes finances are mine which i don't root for but obviously it's something that happens no and we've discussed that the moment also what if she loses all her money somehow then if something like that were to happen then i've got a whole lot of other issues under my belt of well what i'm her i'm her person i'm her only person oh okay so your dad's not in the picture Not when it comes to my mom.

25:11Yeah, sure. And you're the only kid? Her only kid? She shouldn't have to rely on you, though. She hasn't made the sacrifices throughout life necessary to be able to be independent. She definitely has. So, like I said, this isn't... You mean if things go to s***, she would have to rely on you? Yeah, this is only... Because she makes her payment... Does she have enough to retire? How old is she? She just turned 66. Okay. What's her retirement situation? She is. A hundred percent... Or no, no, no. Not a hundred percent. she's a disabled veteran so she's currently living off of her disability social security va disability um that's her income yeah all that edged together could be pretty chunky depending is she 100 disabled very close if not 100 i know she was fighting for 100 why is she living in an rv choice okay sure um no last i checked um when she was doing her rundown of all that she made um she would bring in in more a month than i am yeah yeah i mean you stack all those up absolutely okay so what makes me nervous is i'm glad she's paying for it because it's disgusting but if something happens 70 000 on your plate at 14.29 interest that's an insane number insane number for your financial situation especially can we do anything for her to borrow this money or refinance the loan and get you off so like why have the risk there the biggest the like what's her credit score do you know what's her debt situation do you know i think this is her biggest debt um as far as anything in her name i think she has a couple of credit cards that aren't you know massive but um i think the biggest reason for$833 a month oh my that's insanity that has slit every wrist ever known to man that's a crazy number uh sorry i continue but That's crazy.

27:22I mean, that's her rent, basically. On a depreciating asset, though. This is going down in value. I mean, it's better than an apartment. Depending. Apartments, they'll take care of broken things. And her insurance takes care of the broken things on the RV. Every little broken thing. Pretty much so far. So far. And guess what? Rent isn't usually at a 14 % interest rate. True. um but i think the biggest kicked off to your daughter if something happens debatable um not that depends if you're on the rent but um right now the biggest as far as i'm aware from what she told me the biggest reason for having my name on there was because if anything happened to her it would be non-contestable that i am then able to take charge and do whatever i need to do with the rv is something where she got like very disabled like super like if she died oh why the do you guys care about the rv if she dies just let it go well that's the thing is with this kind of debt why would you want it this is a real good story about bronx and his dad ryan real united airlines customers we were returning home and one of the flight attendants asked bronx if he wanted to see the flight deck and meet captain andrew i got to sit in the driver's seat i grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age.

28:48That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. Well, no, I would let it go, but that way I have, because I have no intentions of if something were to happen to her, I have no intentions of keeping the RV. Well, but your version of letting it go, since it's under your name, it's going to be, you're going to be responsible for it you're letting it go is having to get rid of it used and it's likely under value underwater meaning that you're still gonna have to come up with an additional like 10 20 000 i don't think i follow because you're co-signed if something were to happen she dies uh and it gets put on you you're essentially since you're on it you're forced to pay it or else it gets repoed and then you're owed the rest or it just will or it completely obliterates your credit because you just don't pay anything ever.

29:38And then the third option, the get rid of it option, this is likely worth less than the loan because she's putting miles on it, she's putting maintenance on it, and it's a depreciating asset. So you're likely going to have to come up with an extra$10 ,000 to$20 ,000 to pay off the loan after you sell it anyway. So this isn't benefiting you in any way. It may have benefited her qualifying for the loan, but in terms of what you're talking about of being able to control the situation like i wouldn't want any part of it now if you're in her will and there's like trust set up and there's there can be a lot of different complications where like uh you not necessarily responsible for it but could have the ability to take charge of it if you wanted to you know there's a lot of different legal complications depending on how everything's set up but you've put yourself in the worst situation possible and i really don't get why you would want to want to i think the initial factor was because if i'm not mistaken this was prior to her um va disability claims getting worked out when did she serve the 80s now legitimately guys i believe that you everyone in your life everyone around us can actually take control of their financial future and make their lives better and we've spent over a year here creating tools to help make those goals a reality.

31:05Right now, our budgeting program and investing program are bundled together at a 15 % discount, and you get$100 in cash gifted to you right into your Moomoo account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you. Wow, so she didn't file until four decades later? She was working. She was doing fine. And then she got to the... You can still have some VA disability in work though, right? I have no idea. Maybe not the full. I'm not 100%. It wasn't something that she was willing to fight for because when she got out, she just, she got out under not so fun circumstances.

31:47And because. Sure, sure. And she decided she was just going to, you know, move on, continue trying to live her life and lived her life for, you know, 40, 50 years. I got it. That's fine. And then she was going to make the car wreck. But either way, why did you co-sign for this? Was it just that? I think it was because she didn't have the income on paper to cover it. So she asked you to. I would never ask my kid to co-sign for something. This is so risky for you. This is. And why can't she just get an apartment? She had an apartment. And they were. Her rent was. Outrageous. Well, it's just like you.

32:29find better rent it exists and it was always her dream to get an rv and to travel was it her dream to put it on the shoulders of her kid no okay then maybe we don't get to live our dream if we're doing that then i don't think we sacrifice our only kid for the dream but it's you in front of me not her okay so you don't pay this no i don't pay it it's just on my credit okay wells fargo Oh, man, I see another massive balance. So this was the first credit card. Oh, okay. We have a balance of$5 ,964.63. The minimum payment of... 50, I think. 75, maybe.

33:18149. Oh. Dramatically different than what you thought, especially in your financial situation. Your two minimum... minimum well if that 800 one hit i don't know you wouldn't be able to survive simply but even still that 203 which is why it's supposed to be under your name i can't believe you allowed that but whatever 200 or that she wanted that 203 dollars for your first card and then 149 dollars for the second card stacking that with your situation still is insane okay let's see what happened here uh oh you made a huge payment 700 dollars oh it didn't matter you purchased a thousand $1 ,759. For f***s sake.

33:56What are we doing? What's the point? You made it worse. It's accruing$88.49 in interest on that last balance and now the balance is$1 ,000 more. Oh, but good guys. It's worth it. Thank goodness you have a rewards balance of$5.17.

34:12What are we doing? Why are we purchasing on two cards? Two cards that we've looked at we've made worse. What is the point? my system because i don't system it i don't know a better way so what i don't i don't better way than what so what i do i with the exception of rent because i don't want to get paid the extra fees for putting rent on a credit card yeah so when rent comes when it's time for rent it's whatever paycheck is right before rent i go in pay rent make sure rent's taken care of because it's interesting the way you look at fees because you're putting your other expenses on the cards right that's what i'm walking away from so you're not getting the upfront fees for them but you're getting a the interest fees you're getting a 19.4 fee on here which is in way more than any kind of rent fee you would have got anyway so the way you're looking at it's it's still incorrect you're just you don't want that upfront fee sorry go ahead but so i pay rent make sure rent's taken care of make sure that there's money in my debit account for any type of subscriptions or auto pays that are set up on my debit account and then i take a look at what did you spend on that bucky's on the way here 25 bucks in gas and sorry uh less than two dollars on my drink okay can't afford it i had to pee you had to pee yes so i had to go in so go pee.

35:49Right now, I'm pretty sure the price of large fountain drink from gas station is equal to that of cans of soda that I could have brought from home as far as cost. Oh, you know what? That's interesting. It's interesting. Don't drink soda. Water. Bottles of water for like$5, a massive pack and do that. Congratulations, 48%. Go so rent. You're putting more money on your credit cards. And you're doing everything outside of your rent on credit cards as you were trying to explain. I don't think we're getting fountain drinks. I don't think we're getting cans. I don't think we're getting any of that. I'm sorry.

36:34I want you to have what you want. But we don't live in the dream world. I would rather you have an emergency fund and an ability to retire so you don't rely on your kid. like your mom relies on you. I want you to have the dream life. I want you to be able to retire. I want you to have an amazing life, fully funded emergency fund, to take care of expenses if something medical happens again. I want you to have that life. We don't have that life without, if we're just getting everything we want in any time. Go on. So I pay rent and then I look at what I have left and I see what can I put towards credit cards and then I try to put as much as humanly possible on credit cards.

37:15But then unfortunately that leaves a minimum in my debit account and then I end up putting all my spending on the same credit cards. How much was that? Less than$2. How many liters are in that? Let me see. Okay, it's definitely not two liters. It's probably a liter. You can get two liters at the grocery store at H-E-B for$1.52. cents the off-brand hdb version there you go i just saved you half your money every single time continue was there any more continuing maybe i don't think so okay well let's see what you did here because this is an insane amount of spending okay there's a thousand medical cities through here we now know what they are they're parking justified i totally support that um obviously we both wish there was a way for that to be um i keep forgetting the term but reimbursed or waived but ebay we're sending 22.35 mcdonald's ebay another 23.75 there oh sorry no 33.12 taco bueno netflix mcdonald's taco bueno craftsman 127 what was that does he have access to your card no what are you getting at craftsman it's not like the boat craftsman no 127 74 first of all that's like one of the most that's the second most expensive thing on this card third most how do you know what it is fourth most 127 you basically need to budget every single penny in order to barely make it and you don't know where it 127 went in one charge okay amazon you spent $28.

38:53Puff Paradise. What's that? Please tell me it's cream puffs. Not for me. For him? So the one that's dying with something right here is an inhaler? Probably not the best habit in his current situation. And you purchase it for him? Okay. Man, it's hard. It's hard. Gosh. McDonald's. Amazon. Amazon. Amazon. Dumb Bats. Lots of dumb bats. Stickers. Art stickers. Buddy, we're like not surviving. You're putting$1 ,000 more on this than you paid. And we're getting stickers in McDonald's and eBay purchases and tacos? I will say. Will you? The food hurts my soul a little bit because. It hurts your calories too.

39:47Yes, it does. But that was all while he was in the hospital. because I was commuting back and forth between work and home with dogs and hospital. And I was doing my best to eat from home. I get it. It's a hard situation. I know. So that's it. It hurts my heart to have to because I. So he was in for a month. And were we not diagnosed for the lump, the ball, whatever? So the mass, they took multiple biopsies. All the biopsies came out negative, but it caused a buildup of fluid around his heart. So they had to go in and put in. Was it like a cyst? No, it was. They all of the doctors are convinced it's cancer, but there's no biopsy medical testing proof.

40:37Did he know he had this before he moved down? So it wasn't protruding? No. It was internal? Well, send him to the hospital. um because so he had this cough that we again at first we thought it was lingering pneumonia or flu or something like that he had this cough and what finally sent him to the er where they finally admitted him was it he was coughing to the point where he was throwing up he had 100 something fever oh man he was weak couldn't yeah so that sucks i'm sorry that's horrible and i hope he's doing well and i hope everything comes back in a uh you know negative and uh it's gone they removed as much as they could okay but it's attached to his abdominal aorta which is the big part of the heart that pumps the blood down into the rest of the body so mostly we're just hoping it's non-cancerous okay what does the future hold for your business ask nine experts you'll get 10 different answers.