Gen-Z Princess Thinks She's Smarter Than Me | Financial Audit

0:28Shopping is hard, right? social financial audit a week earlier, check us out on YouTube. What? I'm going to Switzerland. Oh my. When? When? This is not funny. Shut the f*** up. Sometimes for some of my flight, my d*** will help me out. You seem like a daddy's girl. This is f*** miserable. You are impossible to talk to. You have no breakthrough. You are a brick wall of dumb. Hi, my name is Paige. I'm 26 from Austin, Texas. And this is financial audit. Thanks for coming into the studio. What do you do for a living here in Austin? Thank you. Currently, I work in retail. What do you do? At Lululemon.

1:12Oh, you didn't have to tell me where, but just like, what do you do? Retail's huge. It's all encompassing. Sorry, I sell clothes. I walk dogs. Yeah. Oh. 26. You walk dogs at Lululemon? No, no, no. So I have, I work at Lululemon and I also walk dogs on the side. ah side hustle okay what do you make a lululemon um i make like 1750 an hour okay how many hours a week uh usually around 30 okay yeah that would be pretty hard to live in austin that's a little hard so i mean that kind of gets us to about 2 000 a month before any kind of taxes or anything just off of that with no time off if you're not taking any time off how much are we making with the what we also get bonuses based on based on sales so how often how often we on our second paycheck of the month cool what do you normally get what normally it's your account from lulu on a monthly basis i want to say it's closer to 2500 okay maybe obviously still difficult to live in austin off of that so how much do we make from the pet from pet walking from the dog walking so i usually do that about 10 hours a week so that's usually like i'll say 300 no sorry 350 a week doing that are taxes set aside for that automatically or do you have to set aside taxes so in the app i think that they do set them aside what do you think how do you not know i don't know i guess i haven't really looked into it how long have you been doing it um i think i started well i don't think i know i started about like a year ago A year ago So there would have been a little load last year Did you claim the income From the dog walking on your taxes I think it was less than I think it wasn't that much I didn't make that much Doing it Did you claim it No Uh huh Pull up your app Show me where the tax Okay That set aside the taxes In the app As uh Alleged set aside Okay monies.

3:22I think it does. That's great. Show me. Or is it like, is it a 1099? Is that right? Is that what it's called? Maybe? Or is that what I'm supposed to file? Why don't you pull up the app? Okay. Show me the tax thing. I'm trying. It's loading. Okay. Did you not join the guest Wi-Fi? I did. Or it says Rover fees. So I'm assuming that's what it is. I'm waiting for it to load. No, I doubt. I bet Rover fees is them making a little bit from what you're making so that they can make money as a company. The Rover fees. You thought the...

4:00Okay, okay. $80 for a set, and you thought the Rover fee of$16 were taxes being set aside for you. Yeah. When have we ever seen taxes being taken from us with the company's name and the word fee after? it that's true i guess i've never i never how do you think rover makes money i thought it was just out of the goodness of their heart okay well come on yeah how do you think they make money come on um i know there's no ads well i assumed that it was taxes and how they were making money why why did you assume this i'm so confused i don't know i think i just did okay so yes you are going to receive a tax form at the end of the year you're going to receive a form from rover at the end of the year so that you can use that submit it in your tax returns and you will likely have to pay taxes and i highly doubt there's anything you can write off okay how much it's 1400 a month yeah about that okay i mean you don't make crazy money but it's like even still there is the government wants their money let's be honest it's gonna happen i don't remember a savings account oh yeah so i actually yeah that's true you would be how are you gonna pay taxes even if they're little how what are you gonna do i was getting grinded out you know like that's not a like pick up more like pick up more dogs or then you owe more taxes next time that's true but then i'll have a plan in place why don't you have a plan in place now well that's why i'm here i'm starting Shut the fuck up.

5:37That's what everyone says. That's the stupidest thing in the world. I'm asking you questions so I can figure out your life. I'm asking questions so I can figure out how you approach all this. Yeah. That's why I'm here is not a get out of jail free card. Stop with that. Yeah. That's fair. Hey, that's fair. Okay. How are you living on Austin, Texas on$3 ,900 a month? How do you feel? How do you feel? With some of that should be set aside for taxes, but must say it's not because we know you're not. oh you're a giggly thing okay sorry it's okay it's okay how are you living in austin um how you feeling i i mean i've done i've done okay like most of the things that i like doing are like outdoor activities but i definitely do not have like a lot let's talk about survival and not what you do for fun how are you living in austin how do you feel yeah it's definitely tough Like it's, yeah, I need to either make more money or do a better job with what I have now.

6:37Why did I only have 1661 hit from payroll? For? In the last month. Hit your accounts. Unless there's a super secret account you didn't give us. Ah, that's no. Well, it's Apple Cash in$1 ,000. What was that? Oh, that's dog walking. What was the Rover$1 ,200? That's, so I, like, I have regular clients. so so rover's actually double dog walkie's actually doubled 2000 i didn't think it was that much but i don't know i got a thousand fifty in from apple cash within the month 1212 from rover yep a payroll 1661 no that doesn't line up with your 2500 even double that doesn't line up with the 2500 maybe i just did my math wrong you don't know how much you make no wait what's your hourly rate again like 1750 and then you say you always work 30 hours a week well like at the end we get bonuses that's what i mean on the second paycheck we get a bonus yeah but this was a month's worth of statements it's possible that maybe it was missed one by a day but so you're saying i make less than i thought or more i don't know dude i'm asking you for sake i'm just trying to get the baseline dude yeah and we had transferred in from savings so what was that what you transfer in from savings to your checking 804 that might have been wait to pay it just went into my checking you put 700 in your savings and you pulled 800 how do you not do this just happened i'm so confused how how do we have that i'm sorry Like how are we on that level Of a few weeks later I really I have no idea $800 is not insignificant to you I was probably paying my credit card bill You put$700 in savings And took out$800 I think I move money around as I get it I want to ask this question I roast people And it's fun and you know we get your consent And everything for it beforehand I want to ask you this out of just Legitimate genuine win not as an insult okay are you dumb no i'm sorry like legitimately are you not smart i think i'm pretty smart okay just i just don't i don't have a great grip on my finances okay okay how much do you think you spent in the month of course you think you make a total of 3 ,800 or so That's what you think Maybe it's a little more Or maybe it's a little less What do you think you spent?

9:13Like including rent and everything? Spent total All the money Spent, spent, spent, spent Probably all of it Okay, yeah How about a number? 3 ,800 Okay, 5 ,294 What the f*** are you talking about? I did not realize that Let me guess That's why I'm here I wasn't gonna say it I was not gonna say that Uh-huh But I really didn't know that So what is going on in your life right now? I want to know. We'll jump into these finances in just a minute or so. What is going on in your life? Because you clearly have no knowledge about your situation. What you know, that's something we obviously want to help with and get you to a better place.

9:52But what is going on in your life right now surrounding all this? Best description possible that you can attest to. Yeah. So I think for me, I just moved here. Oh, really? From where? Yeah, from North Carolina. When? About two months ago. Oh, okay. Yeah. That's a big move. Okay, for why? So I have friends in the area. I was just really excited about it. I've always loved Austin. It wasn't for a job? No. So I kept the same job. I transferred my job from - You transferred the Luz? To Lulus? Yes. Yeah. So I transferred from actually I started in North Carolina, transferred that job out to Australia and then transferred it to Austin.

10:38The Australia. Yeah. Yeah. I lived in Australia for about six months last year. And then I hold on. Are you are you not going to do you move every six months? I stay mobile. But is the preparation and everything we do here not going to be adequate because you're going to move from here in four months? No, no. This time I'm I'm settling down. tell you you get bored four months from now and see your dream life in new york city or something no see i think i i'm really excited about austin this is kind of where i want to be you know because the friends yeah that's why yeah and that could be a good reason yeah and i love music i love like okay we can get that a lot of places live music capital the world sure more live music venues per capita than anywhere else right right like i just i love the area i love being outside the lake is awesome i wanted to live in a city i've never done that before every city has a city okay so i'm just like i'm just trying to like why are you actually going to stay here friends that's an actual real reason yeah i really missed community like and all my travel and like moving everywhere else that was that was tough for me yeah so okay so you just moved here what's going on in terms of i asked what's going on with your life that was the first thing you said yeah i wanted you to resume that yeah so i mean i just moved here i'm settling in um it's been great so far and right now i kind of just want to get everything in line so i can keep living the life that i love what is keep living the life that you love get everything in line yeah but you spend more money than you make so you'd be going even further from the line what is living the life i love what are you trying to get to well i i'm okay with living frugally like in my day to What are you talking about?

12:22No, you're not. I don't think you know what frugal is. Yes, I do. I mean, I really, I don't think I'm an extravagant spender. You spent$5 ,200 when you think you bring in four. Well, I haven't. So, like, you recognize, yes, I move around a lot. But most of that is, like, for travel, for, like, fun things, that kind of thing. like and i can end up being an excramp against spender well did you just hear the things you said do you not even know what words are yes i do but i just mean for me that's what's important to like to travel to see things then what the are you gonna do there's no frugality in that i mean there could be if you're a nomad but you're not not the way you spend what are you talking about you're going to 180 do you not know what you're saying do you not want to know what any of those things even are do you not know what things cost money they do i know they do no then what do you mean then but i still i still want to like okay so starting out how i got how i got this debt initially yeah sure i uh basically so i was living in colorado for four years sure of course another place yeah i was as a what a ski bum like i wasn't making much money i was working at a ski resort basically just doing all that didn't have any debt then and then i decided that i wanted to move to australia okay so i could learn how to surf did that and then i was like you know what let's keep this party going i want to go to asia so then i spent about two months traveling around asia got my yoga teaching certification because because are you on because i want to teach yoga that's what you want your thing to be well that's the fashion one of the things yeah what are the other things well i'm mostly just i mostly just work to live oh my gosh what what work to i maybe but you spend more you're not working enough to live your life so let's talk about something every business owner fears.

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15:47So check out the link in the description and claim the$100 sign-up bonus today. Let's jump back into the episode. That's not true. you go in debt to live. Yeah, I would like to avoid that. I mean, I already am. I know I already am, but... No, you're not. You're not avoiding that. What do you mean, no, you're not? No, I know I'm already in debt. So why aren't you doing that then? That's a great want. Usually people that want something do it. I'm trying. No, you're not. What do you mean? You spend$1 ,200 more than you bring in. Yeah. Smile all you want. That doesn't make it true. Yeah. I think I didn't realize how much money I was spending.

16:22No. That is the most obvious statement I've ever heard in my life. It's a wake-up call for sure. Why aren't you doing it? You say you know you want to. You say you want to. Yeah. So why not then? Well, I work all the time. You work 40 hours a week with both jobs combined. Yeah. Well. You don't know what all the time is. You're 168 hours in a week. You work 40 hours a week. Yeah. so do you have any point that has any kind of standing or is this all going to be bull it's not bullshit that was bullshit and what you said before that was bullshit so where's the non-bullshit well i'm just i'm so i was doing a really good job uh when when what did that look like when i first came back from australia like i was living at home but that's because i didn't really have any bills um and then we could all do well if we don't have bills i know and so that was good so i I like kind of got that in my corner and I was kind of like, got one in your corner.

17:26No disciplines required for that. I know that's true. That's true. I think I just need to learn how to pay for the things that when I say it out loud, like pay for the things. Do you hear any of the things you're saying out loud? This is all wild. I just mean, I just mean, it's like, I didn't, I really didn't realize I was spending so much money. And I was like, why is credit card balance not going down? Are you kidding me? No, I'm not. Did you ask yourself that? When did you ask yourself that? Obviously not. So you didn't ask yourself, why is my credit card balance not going down? Well, I did ask myself that.

18:08When did you ask yourself that? Because I was like. When? Should I? When? Probably like two months ago. Why didn't you look at your documents then two months ago? Why didn't you look at your documents then two months ago? I was like, well, I did look at them. I just looked at them. Then you would have found out. It tells you how much comes in, how much goes out. Yeah. But I just thought, I thought that I was like putting more money towards this. What am I dealing with right now? What are you? No, that's not funny. That's not funny. That better be some cope laugh. some copium. I just didn't realize I was spending so much money.

18:51How many times are you going to say that? I don't know. It remains true. But you could have looked because you asked yourself two months ago and you wanted to know two months ago and you could have found the f*** out. But you chose not to. But we don't know why. Well, I've known about this debt. I knew that this was going to happen. What? Knew what was? When I decided to travel, I knew I was going to put myself in debt. Okay. You weren't traveling two months ago, though, were you? you got here and then you asked yourself why is it not going down and then you didn't well i look at a number okay so i guess it was more than two months ago but i wasn't i wasn't really facing the realization like oh were you working in australia yes oh to lulu yeah okay what is that your career i mean it's okay if it wants to be well i don't know what the path is what do you want to do you're 26 yeah what do you want to do what have you done do you have college do you have what yeah i did go to college i did you graduate college yeah i have my bachelor's and my master's in economics what the what the no way yeah so then this are you from it doesn't even matter from where do they not teach you what is happening you graduated and with a master's yeah guys if you think your qualifications only come from a degree watch this episode i know i like what the like do but you don't know how to budget apparently not you don't want to do anything with that i do i do it's really hard right now to find a job what do you mean like i've been applying i've been applying for two what two two like analyst positions consulting positions like literally I could hire you as a consultant I've been on LinkedIn I have been on LinkedIn well done okay but I have been looking okay how many jobs do you apply to a week usually like six a week okay shut the fuck up that's not enough a day really kidding me you know do you not know how competitive people want these jobs are you kidding me you think six a week is gonna get what are you serious how many should I be applying for Minimum six a day.

21:08A day? Ten a day. What are you talking about? Do you want a job or not? Yes. No shit you've got to put into work. Show me your resume. My resume? Show me your resume. It's the word I just said. Okay. Guys, if you want better value for money than apparently an economics degree and you actually want to learn something, our budgeting, investing, and our debt class are all bundled together at 25 % off. Make sure you guys check that out. Better value and you actually learn what the fuck to do with money. I don't have one that actually has all of my okay I'll show you then are we surprised we're not getting a job if you don't have a resume that shows on your I do it just doesn't have everything on it because you can only do one page okay alright let's take a look so it's from Clemson okay LPL financial remote junior economic consultant so we had something and then before that I was in like well actually at the same time i was only doing contract work for lpl and then during that time i was also doing like customer analyze financial data generated reports and under collaborate avid exchange customer stuff and turn somewhere yeah i mean the it's not really showing your skills very well is the thing um and like lululemon i get it and it's showing that you're at least having something after that may 2023 yeah and i have another but this is like i hate this this is like demonstrated problem solving abilities in a fast paced environment lululemon if i i i hire people you know we have like a 13 person team now i hire people if i saw that out a chuckle i'm chuckling right now ha ha ha well i have to pay bills and i have no but it's just i know i get it it's just like it's not demonstrating anything i would try to thicken up maybe that lpl and really take the bullet points off of well not necessarily it's just like it feels like a waste of a bullet point because seeing demonstrated problem solving at lulu this is like well i already have this big gap in my resume because like i said just figure out the if you listen ai is not 100 great for a lot of things right now but it'll at least give you the language oftentimes that are scanned through resume systems so you can figure out the words and things you just need to have in here to get in touch with the recruiter in the first place yeah so it's just like i don't know you could probably just fill these with more uh algorithmic enticing language yeah because it does feel like a pretty mid resume it's not horrible don't get me wrong i thought it was good it's okay just i wouldn't really know what i'm getting from you that's at least with this i mean you have a whole story at the top let's see looking to work with advanced tools like google sheets okay well

24:02great well i can code i'm glad we focus on google sheets then so take that off not necessarily it's just how you constructed it dude it just reads silly okay sure i i what the the stuff on the right with your skills with the data analyst and the programming the software and research you can do that's pretty good yeah that's pretty good i don't know the rest i would really beef up that the actual relevant job of what you're trying to apply into instead of having like i don't know especially that i mean the internship it's okay it shows past experience but yeah so i want to beef up what you're currently working on sure and that thing at the top was so long okay my summary yeah okay yeah it was almost like a cover page cover letter i have that too oh as you should and curated to the business in a more competitive market.

24:49That's fine. And obviously more than six jobs a week. Make sure it's curated for the job you're looking for and that it's being able to run through those algorithms. Six a day is crazy. Do you want a f***ing job? Or do you want to work in retail for the rest of your life? Well, it's not a bad thing if you want to. I don't care. But it sounds like you want a job. I do love my job. So maybe you should f***ing do something about it and be an adult. I don't know. Okay, self-assess. Where do you think you are today? Zero to ten. Zero being the absolute worst, ten being the absolute best financially.

25:16Five. I'm gonna burn this building down. I don't... What? I'm like not that bad. I'm gonna f***ing just ruin everything. It's not that bad. Are you stupid? It's not that bad. You spent$1 ,200 more than you make. I don't know what you're talking about. And that's a substantial percentage. It's like an extra 20%. I... What the f*** are you possibly talking about? This is huge for financial audit. For a year now, my team and I have worked with experts to create what I do for a year truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money.

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26:38And finally, you can too at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this. If you want to be real about your life, get your own Hammer Financial Score and it'll tell you your real score. You can check that out. Link in the description below. It's free. And if you want to come on the show and you're not a complete dumb, go to CalebHammer.com slash apply. Sorry. That's just so stupid. Not that bad. What's not that bad? What's not that bad? I don't get it. What's not that bad? Here's a giant credit card with interest accruing.

27:09Oh, good. Oh, good. There's fees. Oh, you know what? The fees are enough. We better go ahead and purchase$2 ,612. Essentially more than we make from our day job in a single month on a car that's accruing interest and getting damn fees. Wait, how much time of fees? Does that make sense? Are you stupid? How much fees? $8.04. Oh, am I getting old? $80 or$90 of interest. I don't know. I think a line smudged. But then$2 ,612 of purchases, also known as more than comes in from Lululemon. Yeah. Well. What the$256 a month minimum monthly payment mean you have to work real for us? You can't pay it. I think that like a couple hundred of that is I have like a doctor's appointment.

28:03Uh-huh. And. What's your health insurance situation? I have insurance. Uh-huh. I pay about, well, I have, what's the marketplace one? I pay about$3 a month. What's your co-pay? What's your deductible? It's probably pretty high. What was your appointment? What is it, a brain scan? No, it was to check my hormones. What did they find out? I have a genetic mutation, but my hormones are fine. but that my mom paid for because she was um she was concerned and so i didn't have to pay for that and so maybe that's where some of the money came into that's where i was going with that five thousand four hundred twenty one dollars and eighty three cents is owed on here with a minimum monthly payment of two hundred fifty six dollars and 28 cents yeah these purchases are insane Insane.

29:02Insane. You are not a credit card person. You are not even close to a credit card person. You're allowing fees and interest to accrue, yet you spend more than you make from your day job in one month on here. Are you kidding me? You need to use something like the Fizz card. It's meant for people like you anyway. The benefits are catered more to younger adults like us. So use it. It's a debit card that builds credit because I'm sure you care about credit. But every line item, there's so many line items. And it's all, what are you getting from the Salvation Army? What are you getting? Well, I told you I just moved here.

29:37Uh-huh. So I had to furnish my apartment. Why is everyone saying had to? When I'm... Sit on the floor? Sure. When I moved here, I had a cheap air mattress. When I moved to Austin, trying to get out of debt, trying to make it, I literally had a cheap air mattress that I slept on that was popped halfway through for six months. Three months, it was pop. So I'd inflate it before I'd go to bed. And luckily, after I fell asleep, about an hour later, it would deflate. But I was asleep, so it didn't matter. I bet women love that. Well, I had a roommate, so we stuck to my car at the time. But yeah, so I do love to thrift.

30:14That's probably my biggest vice. Oh, it's thrifting. For f***s sake,$28 there. Well, I don't want to say my biggest vice, but yeah. It's your biggest vice. Travel. apple bill some in-app or a subscription or gems who the rockin something amazon amazon alamo draft house ruby tight kitchen ruby tight kitchen spotify you're spending a thousand two hundred dollars more than you make a month maybe you should use a free platform like youtube eureka car wash great you live in austin it's not sandy it's not snowy we don't get the salt drop a bucket of water on your damn car I drove my car across the country where's across the country from North Carolina you don't know what across means you're halfway there McDonald's more thrifting Dollar Tree Amazon Donata I like Donata yeah you can't afford it I can Sandy's Hamburgers American Air Oh, for$1 ,717.

31:24Where'd you go? Where are you going? What are you doing? Is that first class? Where are you going? That's so much. What? That's not funny. You're f***ing yourself. What are you talking about? Hey, guys. The big expense on here is a medical thing. It's American f***ing Airlines. It's American. What? I'm going to Switzerland. Oh, my f***ing. When? When? This is not funny. Shut the f***ing up. up in january your life is on the line here dude and it's clearly all a joke to you you don't give a i do no you don't you're laughing through this like it's all a joke haha i'm destroying my life giggle giggle no i'm going to i'm going to switzerland in january for a ski trip cancel it no it's cheaper to go there it's cheaper to go there than it is to go to Colorado it's cheaper to not do any of it you dumb human yeah what do I do here then what do I do here then you don't make money and you just spend a thousand dollars and I know you're going to spend more than that on this thing what am I going to do you're not willing to sacrifice your biggest vice you're not willing to sacrifice you go into doing the thing what am I supposed to do here what am I supposed to do what could I possibly do What could anyone do?

32:43What could the producer do? What could Lindsay do? He's talking to you. What could Jake do? He's making the spreadsheets. What are the editors going to do? What could we possibly do? What could anyone do? You're not willing to cancel your shit that you want the most. What could anyone do? You don't care. You're selfish. I do care. No, you don't. You're not willing to cut the biggest thing. What are you talking about? Well, I think if I can just save. Save? You spent$1 ,200 more than you make. What money are you saving? Because I booked that trip. It's$700. What's bigger,$1 ,200 or$700? I mean, obviously$1 ,200.

33:22But I mean, I'm not doing that every month. You have a master's degree in economics. You're not stupid. Thank you for saying that. I just mean that's not - Then stop acting it. That's not happening every month, though. I'm not doing that every month. It doesn't matter. It doesn't matter. Do you not understand that$1 ,200 is more than$700 on a monthly basis? Do you not understand that? You don't have to do this for you to spend more. You don't have to do this for you to spend more. But I want to go. Whoa. What the f*** do I even say to that? What do I even say to that? What? What do you want? Well, I mean, I'm...

34:02I am ready to f*** just send you away. Hey, what do you want me to do? It's going to be awesome. Because I can cut back in other areas. Like... But you can't cut... It would be so much more to cut. Here's a money mistake that I see all the time. Having money just sitting in a checking account with a teeny tiny interest rate. Doing nothing but gathering dust. If this sounds like you, or you're just looking to store your savings with the return you deserve, I've partnered with money.com to provide you a solution. With the right CD option, it's like putting your money into a high-efficiency workout plan, except you don't have to do the sweating.

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35:12So head to the link in the description of today's episode. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. But I'm not going to spend any more on it. You stupid. I'm not going to spend any more on it. What do you mean? You're not going to eat when you're there? Yeah, I'm going to eat when I'm there, but not like crazy. I'm not going to eat like at the resort. What do you mean? You already eat like a fiend. No, I don't. kind of you know like crazy what's crazy i don't know i don't know i called out all these restaurants on the first statement well i just moved to austin that's why i went to denata that's oh for sake why do how are there oh my gosh if this show has exposed anything to me it's just how many people like you are out there how have we survived as like a species legitimately how and you're the qualified individual to speak on economics?

36:06How have we done this? How have we done this? How have we made it? Oh my. This is insane. I don't think it's that bad. I don't know how to respond to that. I don't know how to respond to any of this. What do you want me to say? These statements. Yeah, I know. But I want to have fun. No, I'm not going to spend any more money on it. I'm not. You're going to eat. yeah i'll go to the grocery store you're not though i know how you survive no you're gonna be i just got to austin i have to go to dinara i just got to switzerland i have to go to

36:49no that's not gonna happen i'll go to the grocery store no you won't you won't even know how to survive it's all gonna be fish and bread i'm okay with fish and bread For fuck's sake. So what happens when you take nothing seriously? I'm taking it seriously. No, you're fucking not. Shut the fuck up. I'm done with you. Hey. College McDonald's. More thrifting. Dollar Tree. Amazon. Deonata. Sandy's Hamburgers. Oh, there's the American Airlines. Right. Terry Black BBQ. Worst BBQ in Austin. Really? Okay, third worst BBQ in Austin. Wait, what's the best? Best? Yeah. Myth Away. La BBQ. Okay. ruby tie kitchen lululemon 82 you work there you know what you that does that what is that you have to work whole shift to get that what are you getting are you getting booty shorts what are you doing i gotta show off for all the the the new austin dudes on the hiking bike gotta get out there show off them glutes oh that's what i do i get out there i'm like everyone look at me i got my little lulu cheek pants well i guess i didn't need but i wanted a new sweatshirt and yes for the 90 degree October day.

38:02It's about to cool off. That's what they say. Yeah. Why'd you move here? Why? Why? If you don't want the heat. Shut up. I do like the heat. You just cross your fingers. Charlie's Philly cheesesteaks. Great. Oh yeah. Oh good. Another $50 from Lulu. What'd you get? What'd you get? Get a little sweatpants for your sweatshirt? Honestly, yeah. Really? Yeah. Amazon$20$15$10 sweatpants they're fine they're good yeah they're the pleasant I wear them I just love it see how do I legitimately how do I interact with that are you what are you doing right now how do I react to that how do I interact with that are you incapable do people go on dates with you how do they have conversations or have you ever has anyone ever enjoyed being around you what are you i would hope so i don't think so you're impossible you can't have a conversation have you ever had a serious conversation in your life if you ever had a discussion with a significant other how do how do they present things i don't like this little thing that you do but i like it oh how do people get through to you how have you survived i have no idea you are a creature i don't know i don't know i don't know how to do this conversation i usually know how to navigate most of these conversations.

39:24I don't know what to do with you. I don't know what to do with you. Well, I think, well, that is part of the reason why me and my last significant other broke up.

39:42Why? Because you couldn't listen to him? No, because I move a lot. That's not what I even mention there you are you can't listen you can't listen and that's probably actually why you kidding me oh what do i have to be the one in the chair today i hate this what that bad yes this is miserable you're impossible to get through i have the biggest blessing in the world to have this job but legitimately this is miserable you are impossible to talk to you have no breakthrough you are a brick wall of dumb i'm trying no you're not don't use that word you don't know what the word try means you've never heard of that word it's the first time it's ever come out of your mouth you don't even know what it means i don't know what to do no i it's not that it's not that obviously i've thought about it obviously i've thought about it i'm trying to take action but you're not i'm so confused you don't know what the word try means trying to trying to make action no you're not it's not reflected in these statements i don't i don't get it listen you have pay over time pep boys and dhl stuff oh yeah actually so well not dhl that's done about pep boys okay and then you've had interest this year basically 800 from one card of interest are you kidding me you don't know how to look at a statement you you said you looked at your documents two months ago are you kidding me are you kidding me go through our budgeting program immediately i need you to go through a budgeting program and our debt program it's not even an option it's not even an option i'll lock you down and make sure you watch that take the quizzes you don't you didn't you didn't know you didn't know how did you not know i don't know and $24 of fees.

41:38Okay, what was your fee? What was your fee? You had a plan fee. You had a plan fee. That's what it was. Probably for the financing. Wait, what? What? What did I finance? Pep Boys. Oh, yeah. The one we talked about two seconds ago? Sorry. Uh-huh. I thought I paid that off, though. Apparently not. $472 left on it. A substantial number. Okay. You should not look at your documents. You lied. Oh, my gosh. okay i love the city double cash card you just abused it i did a balance transfer because i thought that i was going to be able to oh she did it you did the thing you did the thing you did the thing you did the thing you did it i'm not supposed to do that or that's good where'd you balance transfer from because where where did you balance transfer from the chase card uh-huh what did you Did you bring the balance down to on your Chase card when you balance?