I Give Up

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. Did you not just hear what I said? Because I'm paying it off though. So like, I don't understand why. I heard you say that. I know you are paying that off. Yes. You have much worse debt. And this does not need to be paid. Oh!

0:19Hi, my name is Avery. I'm 26 years old. I'm based in Austin, Texas. And this is Financial Audit. Avery, Avery, Avery. Is your last name overdraft by chance? No. But it makes sense if it would be. it would make sense if it would be because that is um that is gonna be a big part of this so 26 years old what do we do here in austin uh i work at a car company what do you do there i uh build cars you build cars that's it pretty much it how much do you make for building cars uh 44k thousand i think i believe so okay how do you feel now 44 you know single income in general you could do okay in a lot of places in the united states austin's one of the more expensive cities that's certainly going to be a harder income to live off of how are you doing i'm doing maso menos like it's okay but i know i could be doing better um also the fact that like it wasn't my first choice to move down here so where'd you want to go um not here why'd you come here uh because my friend she works at the car company and she's like hey for girls just you know apply so i did and the person i was dating at the time they applied too and so that's how we got over here in the first place yeah but you could have gotten a job somewhere else i could just because you got accepted i know but i have debt so i have to get out of debt first before i can do that okay so in general your financial picture i'd love to know where you assess yourself give us a score zero to ten zero being the worst ten being the best of your finances it would be a 0.5 because i did the financial hammer thing before coming over here oh you did it you can do it for free in the description below okay so 0.5 let's see how accurate that is and usually is pretty accurate by the end but again we will go into the overdrafts you went hard on that and what was disappointing is in your checking account was a lot of bullsh** spending but we're overdrafting yeah she's giggling because she's on camera i promise doesn't mean she's like the lulu or whatever everyone's saying i hope please tell me how many hours uh so is that hourly or is that salary it's uh bi-weekly no or do you i'm sorry it's okay do you work a salary position no you work out what's your hourly wage uh 23.50 how stable is that uh it's decent i read like it's a recent race compared to the 22 that i was making prior to that well how stable are your hours uh i would say not a monthly basis but like every other like every three or four months because they change it like like because i mean like i live above my means with that i mean like well but yeah but i mean how stable are your hours like a guaranteed 40 or like yeah no definitely guaranteed 40 it's just like the hours would be sometimes it'd be 12 hours and then sometimes it'd be 10 hours so that's what i mean it's like that two hour difference like makes a lot on a paycheck it's a huge difference from when you make what you make just doing 10 hours versus what you make making 12 hours and the way i'm doing my expenses okay when the way i'm doing my expenses right now it's like i'm still living off that 12 hour like minimum compared to what i'm actually doing with just 10 hours okay so you landed yourself in a lot of debt yes you're also not doing yourself any favors on this first card alone it's accruing interest my dude and this is this is something that kills me every time i see it it like it literally don't don't apologize to me this isn't me i might have a little stress moment right now but this is your life that you're impacting one of the things that pisses me off the most it's because it's own it's straight up actions it's straight up actions compared to a lot of other things that can be in finances straight up actions you started with $369 on a credit card balance which is an amount that's like tackleable.

4:13We could get that. We paid them in a monthly payment. What did we do after that? We purchased $116 even though it's accruing interest on a monthly basis. The thing is like I can pay it off with like one paycheck, right? So we should probably pay it off. Yeah, but then the method of the way I'm paying things out. What? Okay, what's your method? This is your second time mentioning this method. what is your okay so like i get two paychecks per month right that's like most people yeah like normal society whatever but point being is it's the fact that like for my first paycheck i pay i think capital one hot topic and walmart credit cards like the monthly basis on that and then i have my electric bill and like other expenses that i pay because i'm forgetting the at the moment but and then my second credit card i mean the second words the second uh payment that i do or my the second time i get my paycheck yes i uh what's called i pay rent my car and i pay um what's called the other remaining credit cards that i have your car's insane and also the auto insurance yeah i have a story behind the car too i'm sorry don't don't apologize to me apologize yourself okay so disney rewards it's a disney rewards card who the i haven't been to disney like in a hot minute so you can't guilt me on that no but why does anyone have a disney reward because i just i just said i haven't been to disney in a hot minute i used to go when i was a kid like a ton so you got a disney rewards card for yeah that one was recently too balance four thousand four $450.44 with a minimum monthly payment of$40.

5:55These are going to start stacking up, and they are very bad when it comes to a$44 ,000. How many hours, again, do you work on average? Oh, no, 40. A week, okay. Sorry. So 10 hours a day? So you work four days? Why the f*** are you not working more then? Why do you not have a second job? Well, if you can't afford to live, though. I can. What do you mean? I guess I can afford to live. I mean not the way I want to You ever have just described how you survive Yes It's like the minimum payments are being made this paycheck for half our accounts And this paycheck for the second accounts And fun fact we overdraft Can we afford to survive If we are borrowing money from the bank We can't afford to survive if we don't let other people borrow money from us What?

6:40My mom borrows money from me sometimes So that's why like Well you can't afford to lend any money What do you mean borrows money for you Yeah she does What is she borrowing? Money

6:52i think muscle menos like uh 100 bucks like yeah like 100 isn't gonna make or break your entire life yeah so it doesn't make sense that is not a week to survive okay if 100 make or breaks your life also known as 1200 bucks a year then yes it's not every month though it's like scattered it's not like every so it's even less than yeah but even with that then absolutely you can't survive so i'm not gonna take that as an excuse it's not an excuse it's not an excuse you just said you just know because how is it an excuse how's it an excuse i'll tell you you want to replay the clip brandon replay the clip can we afford to survive if we are borrowing we can't afford to survive if we don't let other people borrow money from us what my mom borrows money for me sometimes he just replayed the clip and you just said you'd be able to survive if you weren't lending money to other people.

7:45You're overdrafting, dude. That's only once. That's only like that month. No. Yeah. No, legitimately no. I have the fucking receipts. How can you possibly say that? You're going to piss me off. Forgive me. Come on. You're so jovial. Don't make me dislike you. There's no reason to. Oh, what are we doing? What's important to survive when we can't pay our bills and we're overdrafting? What is it? Sally Beauty so that we can do black lipstick. That's great. And then we go inside of a gas station and purchase$20.89 a bullsh**. That was on a whim, though. The Sally Beauty was on a whim. Yeah, no. On what?

8:21On a whim. Like, it was just because I wanted to. Yes, no. How does that justify it? That's what I'm saying. Like, it's not a daily occurrence. It doesn't. It's a one-time purchase. Of course it's not a daily occurrence. Well, yeah, that's what I'm saying. What the f**k are you saying? You're making it sound like it's like every f**king month. What are you? You're making it sound like it's every month when it's not. How do I know? I have one more. That's what I'm saying because you only asked for one. Dude, buddy. You're accruing interest on this car that you're not paying off. And you go to Sally Beauty for$52.85 and then go and get some snacks and for$20.89.

8:59We just can't afford it. It's as simple as that. So I don't give a shit if it's a splurge. No shit to splurge. It's a splurge right into your grave. Also, you're wrong because I do pay my car payments on time. That's another reason why I'm overdrafting. Buddy, what the f - What am I wrong about? I pay them on time. Like, I still make the payments. I just - I overchewed - With money you don't have because you're overdrawing on your checking account. I'm gonna f - die. What are - You seemed like the nicest person in the world. And it's okay to be nice, but please, please, please, please, please, please, please, please.

9:36Please. you're gonna send me to my grave early when in the process of lowering your monthly expenses you should be looking at everything that's taking precious monies from your account that includes your phone bill one of the quickest ways to save up to a thousand dollars per year is by switching over to an affordable phone plan this is possible thanks to today's sponsor helium mobile people i know all around me and my business phone personally has switched over to Helium Mobile and for only$20 a month and I'm getting 5G coverage that includes unlimited data, texts, and calls. I've already recommended Helium Mobile to my family friends as some of them were spending up to$100 a month on their phone plan.

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11:00Okay, where was it? It used to be like$5 ,000 maybe Okay, how did we get to this point for$5 ,000? Just making the payments Over the course of how long? Maybe three years That is a death I can tell you how I cured though How you what? How I got it, like how high I made it So you don't have to yell at me I got it because of Pokemon cards and makeup Okay, now you're asking to be bullied That's what you are is that your kink i'm not gonna play along no that's what happened in the past all i care is about what we're doing now trust me i've made an endless amount of mistakes but are you gonna sit here like an immature person does that doesn't live in the world and judge me for what i did six years ago or seven years ago or four years ago or is that what you're assigning me today or are you gonna assign for me today what i'm doing today and what i plan to do in the future like an adult who who has any mental capacity beyond a five-year-old.

12:00That's what we do. So that's how I approach you. I'm not going to freak out about Pokemon cards you bought three years ago. It's as stupid as fuck. Yes. But hopefully you learned. I did. Because like I said, I used to be worse. And I don't see$3 ,000 of Pokemon purchases here. So I'm not going to freak out about that. I'm not going to play into your little shame kink. I am going to go beyond and look at what you did here. What you did here is you had a card that has a manageable balance. but instead of putting more money towards it we add we add 25 to the balance because we wanted black lipstick i'm sorry rub some coal on it call it a day they had good deals it's a joke she'll die don't do that then we can't pay off the debt okay we have a quick silver card quick way into Death Grave of Insanity $2 ,051.42 with a$73 minimum payment yeah these are gonna these are gonna stack I'm still making them though that's all that matters I haven't like missed a payment that I know of so far okay yeah but we're still purchasing on this so girl my dude my gosh I swear oh i i i want to i want to cheer people on but then i just see this you're so you're losing 53 dollars of interest on a monthly basis on this card okay like and but even though you paid the minimum payment towards it we purchased money so the balance of this went up ten dollars eleven dollars how much was the purchase though it wasn't that much but the balance went up yeah I need an outfit for a concert Oh so that's why we went to Taco Bell Yeah What are you?

13:55I like going to concerts So we go to Taco Bell How does that make sense? How does going and getting diarrhea Have you never been to a concert before? Okay so we go to Taco Bell Yes and I don't go to Taco Bell You don't eat before or you eat beforehand So that's what you're talking about But did you eat before or after? Yeah I don't know it was like a long time ago It would be a very risky decision to do that before a concert Taco Bell. I mean, not really. I mean, if you can hold it, you can hold it. I usually can't hold the waters. Well, then that's on you, dude, because I can hold it. No, that's on Taco Bell.

14:25That's on fake beef. And then Sharita. So, Sharita, that's what you... The what? That's getting you glammed. The Shariti. Oh, no, that's Bobo. That's Bobo. None of this has to do with a concert. What the f*** are you talking about? Yes, it does. Okay, like, look. so i have to yeah so when i went and saw two with my dad i wasn't able to get in there unless i got some boba beforehand yes because like you have to you know you have to prep your meals before you go what are you and then afterwards you eat as well oh my god plus i have like two more lined up so it's okay like it's fine can i ask you a question yes i see a little question no where did you apply to be on the show online yes we're online well the link in the description the link in the description yeah it's where you can apply as well but what the you're so just like i get it i get it when people get on camera for the first time they get called up for the first time they just get these natural instincts that's just like words that i cannot say without getting sensitive people upset oh it just makes you turn into something very dumb okay and just it's just like the constant thing who gives buddy who boba and taco bell that's how yeah but that's only two pictures out of a home type thing how are you defending that though because it's something that i wanted to get done like i wanted to go get yes i know but buddy you're adding 10 dollars your your balance went up even though you're making a minimum payment that you can't afford because you can't afford that you're making that minimum You ruined my I was trying to go on a little thing You ruined it You ruined it I'm pretty sure it's justified though Also you said you have more concerts coming up Yes I'm gonna go see 21 Pilots and Melanie Martinez I'm so excited They fell off No they didn't Have you heard the new song?

16:26No because they fell off I don't know I'm sure they're fine And who else? Melanie Martinez but I use Quad Pay to pay for those Stop touching the table It's okay It just makes loud noises and I'm getting upset Into your microphone I can do it That's because I'm the host of the show And I'm an angry little boy I use quad pay and after pay on Carlana You're like bragging about it almost Because it's a small payment that I have to make Compared to the big payments that I have to make for my credit cards What is your goal here? What the f*** are you trying to get out of this? I'm trying to figure out how to stop spending on my credit cards That's a behavior thing But the moment I call out literally two simple purchases that you didn't need to survive, your mind went nuclear.

17:10No, I did not. Yeah, you were like, I have to do it. Well, yeah, because I have to eat. I have to. If boba balls aren't flowing down my throat, I can't sit in a seat at a concert. I have to eat. Have you ever heard of a sandwich, dude? Have you ever heard of a granola bar? Have you ever heard? Oh, my gosh. Hot pockets, even. Yes, I have. But I always, like, whenever I go to concerts or I, like, travel in my car, I always either get a protein bar and, like, water. That's like my go-to. Cool. Why didn't you do that? Because I can't use my credit card, so I used it for another purchase instead. What?

17:43Do you ever just like alternate like that? No. What the f*** did you just say? You couldn't use a credit card to get a protein bar and water, so you used a credit card on Taco Bell? What? It's a different purchase. What the f*** are you saying? It's a different purchase. Like it's at a different time, different day. Oh my gosh.

18:02I'm in a dream. what is this episode oh my gosh red is gonna love this episode what is happening i'm funny i don't even know what the i'm doing here it's fine like i know i know okay and this is what confuses a lot of people this is what confuses a lot of people and i get it because you're not here you're not here you're legitimately here you applied to can help and you believe what you're saying is legit and i just for a second just please i'm just trying to figure out what the i can even say what i even need to do to get through the brick wall that is in front of me right now i don't mean that as an insult but the fact that you're just so like legit about this you want help but you're just like so beyond defensive and delusional Why are you trying to interrupt everything Because I'm trying to justify Not really justify but in a sense like it used to be so much worse And now it's just like oh it's only one small thing That's like But you're not making progress on the debt And that's what I need help with Okay help number one Stop doing this What the f*** are you talking about It's hard Kill me Like okay so what do you turn to I want you to take this seriously I am No, you are not.

19:24Yes, I am. Yes, I am. Can I ask you a question or not? Please. Please. So what do you do when you're low on money on your checking account, but only have your credit cards to survive? Guess what? Guess what? Once I learned how to budget, I was never low. Somebody didn't learn that. I know you didn't, but I am trying to literally give you the most basic pointers, and you won't go through that. Sorry. I am trying to figure out how to, like, get, uh, how to approach this right now. I need to think for a second. I need to think for a second. Because this is.

20:04I. And then you're going to more concerts. Which means you have to get more vulnerable. Of course. You have to get more. No, I don't have to get. Oh, my gosh. I'm trying to, like. I swear. I'm trying to correct you on your statements that you're making about my life. I was. That was obviously. Obviously. Me being ridiculous. Saying that. Saying you have to get Bubba to go to a concert. That was obviously me being a cheeky little... I'm sorry. It's okay. This is like... Good... Okay, sorry. Sorry, I know I'm being a... But... No one knows what it's like to sit here.

20:44Yeah, so this one's interesting. I'm just gonna move on, pretend like the rest of that didn't even happen. and this treats you like a normal 26 year old adult you have a toyota camry yeah woo i'm thrilled for you i'm glad you have a car that's good let's shake hands on that uh what i'm not just about thrilled on is the fact that your um um intermonthly payment is 652 you want to hear the story behind that oh sure so the person that i was dating at the time i was complaining a lot about my old car my old car before that was a 2012 ford focus and i had the check engine light on so i'm used to running the cars like that without like bothering to check them so that's ignorance on my behalf but like also the fact that since i was complaining a lot on march of last year they took me to go see a dealership and i wasn't planning to get out of how it was a car but i ended up i ended up trading that car for this one and instead of like making a voice or anything like that about my finances at the time i kind of just let them do everything on themselves and so that's how I got the car.

21:49And then two months later I got dumped. And you're blaming your ex for this? Not really blaming, just saying I don't like the way I obtained the car. But why'd you bring your ex up immediately? Because that's how I got the car though. Because of your ex? Yeah. So you're blaming your ex? I'm not blaming him. You just said you got the car because of your ex. I got it because that's the way I obtained the car. That's like the factual thing. That's how I got the car. I know, but you didn't have to. Okay, okay. Okay, okay. Okay, so you got the car. You got the car. When did you get the car? In March of last year.

22:19This is a$31 ,972 balance for someone who makes$44 ,000 a year. Yeah. I'm going to end everything right now. $652.70 minimum monthly payment. What's the term on this? Six years. Holes on my blood gun in my mouth right now. What is the interest rate on this? I think like nine point something or something like that. it's it's it is big time i've just heard 20 on the show so i'm just very glad it's not that but i will now still celebrate nine percent because you're not going to beat the market especially after depreciation yeah gas car insurance and how's the condition of this car it's it has some cosmetic surgeries i need to get oh yeah i got i almost i got ran into a cone like driving out of work you got ran into a cone Yeah, so you know how it was really foggy?

23:17You got ran into a cone? So they were doing construction, right? But that construction is way already done over by what's called the road that I take for work. And the van beside me, I guess he didn't see me that I was beside him. And I honked at him too, and he ran me into the cones. So literally, I think it's on my right side is just... How... It's not too bad. It's just scratches. Anything else? The windshield scratched from the heat from last year. Oh, the heat? Yeah. Cracks in the heat? Yeah. Because I have my windows up, so I never roll them down. And apparently you're supposed to roll them down whenever it's super hot in Texas.

23:55You'd think living here for a hot minute, I'd know that, but I didn't. Yeah. I mean, I've been here five years. I've never heard of that. But I could just have missed that. Do we have a value on her car? Let's get that. I don't have it by memory. Can he go out there and get it? It's parked.

24:16So he convinced you to get this and then you guys broke up? Yeah. Oh, rip. Sorry. No, it's okay. Because I also have that thing with the phone as well. Because my phone is... So the next time you date someone, you're going to let them convince you to get a house or something that you can afford? No, but we're getting there. Okay. Oh, we got to talk about those catheter tickets, but let's get to the card first. The interest rate is 9%. Yeah, again, after everything, you're not going to beat the market. So it's kind of... that um after taxes well let's see which well i have no idea i got you payroll 3617 does that sound about right i think so i've never really checked my finances to be honest with you and you're here so i can check it i guess no is that why you're here yeah it's almost 20 percent okay 20 of your pick on pay goes to this car and that's not even including property taxes and whatever repairs and gas.

25:17Okay. Walmart card. $492.17. $28 minimum payment. Thank you. Thank you for not purchasing anything on this. Okay. I'm going to stop you there. Because, like, I do... I do tend to use it when I go to buy groceries. But that's what I'm using. I'm trying to become a credit card person. Well, you're not. I know I'm not right now, but I can be. Maybe in the future. That's what I'm saying. I'm slowly getting there. No, you're not slowly getting there. You're holding balances, and you're purchasing on cards that you're holding balances and not paying off. That's the opposite of being a credit card person.

25:55I will allow you to use the Fizz card. They've been a longtime supporter, but I support them as well. It acts like a debit card. It acts like a debit card, but works like a credit card in terms of the impact on your credit. So use that. You are not a credit card person. you can not do this but i can attempt to be right i can like i can attempt to be okay so the way i will allow you to become a cardiac person eventually it's probably years down the road well yeah that's what i'm saying like i know that after you've proven to yourself that you're able to manage a budget and you'll go through our budgeting program and it's going to be great you're going to go through all the education and actually learn how to budget for the first time in your life but after you do that and you prove you're able to manage spending then i will allow a card that you put maybe gas on you know it's little it's little steps little infant steps and then if we can prove we can manage that then maybe we can prove we can manage something a little more complex and we just continue to build up from there you're not even close to a credit card person now I'd chop them up I'd close your accounts I was afraid you were going to say that yeah because it's obvious but like what if I just hide them away like in a safe or something and like don't touch them because I don't have access to them like on my phone do that for a couple months and if it doesn't work for a couple months close the accounts dang you say dang so you know it won't work then so it will work i know it will work if it will work then why is that a problem because like don't you have to like keep your oldest one open for it to impact your credit you're thinking about the impact of your credit but i don't understand how people in your position give a their credit you're not shut the for a second you're not utilizing credit in any beneficial way it is taking advantage of you if you're dating someone now congratulations that's what it made it sound like but guess what you're married to these cards and you're in an abusive relationship with them because they are just obliterating you you are not taking advantage of credit they are taking advantage of you they own you and how do you know they own you because your car is valued at this is with maybe a little bit of damage 21 ,283 thousand uh thousand dollars so you're underwater ten thousand dollars in a car you can't afford credit's really working for us isn't it oh okay all right great you know how credit's really working out for us because we have a five thousand kill me dollar balance on this discover card are you kidding me i it started it with a pc and then it just kind of snowballed from there that's how it works yeah not a credit card person so i don't know why the f*** you'd possibly what you didn't even pay your full minimum yes i did uh i paid more than like it paid like a couple cents after it okay then it must have been after we received the statement because because you put a hundred dollars towards it but the interest of credit was 104 dollars of the balance when it went up but okay i always try to pay like the minimum or at least a little bit more than the minimum and that's how i end up overdrafting my cards because even with the car i paid it's 652 to pay it but i pay 670 into the account that i like where they take the money out from you're gonna make very there's there is not one recommended day off debt payoff plan that i've ever seen that is like put a little extra towards all of your debts at the same time that's never it's usually pay off the highest interest first we'll make it a minimum monthly payment on everything else or pay off the lowest balance first of all making a minimum monthly payment on everything else that's the but you're not you're just putting a little extra towards this towards all of them so that way like there's but that's never been that's what i just i just said that that's not what anyone recommends and then i explained the two methods that people recommend is snowball and avalanche and then you just said that's what you do by doing the complete opposite isn't it isn't it like the same process you're still paying it off your but your method is going to be so much longer and you're going to feel like you've made no progress along the way because it's going to take forever to pay anything off plus it doesn't even matter because you make purchases on the cards and bring the balances up anyway so what the so what the purpose what are you talking about oh great oh great it used to be worse guys it used to be worse so oh you know i only murdered 10 people last year so it's okay that i murdered five this year it's getting better guys great that's an excuse to live life in a disaster way this is this is great this is awesome so glad we're here it's great this is throwing me i need the orange extension cable i'm running out of power hot topic oh good explains all that it's my first card it was my very first credit card makes sense so that's why i'm like i'm not sure if you want me to cut it up because like it's the oldest one that i have again i don't give a bunch of credit right now that's not what's impacting your life but it's okay tell me what do you plan on using credit for beneficial to you when are you gonna buy a house like you can't afford your car payment so when are you gonna buy a house for my car payments you overdraft in your checking account no you cannot okay it's as simple as that boom up so when do you plan on buying a house probably like 10 years from now maybe okay we can work on building credit that's what i'm saying so i need to be able to we could work on building credit later if you if you've allowed me to make it through the second half of that sentence kill me noah what are you doing Make sure these are still recording Technical difficulty Pause Noah decided to turn off the entire studio I was trying to get you your power core I'm sorry man No it's okay we're just gonna put you on blast in the middle of the episode And it's gonna stay in Dang You see that one Avery?

31:38I only saw a couple You only saw a couple episodes? Yeah I don't know what taquitos means that's okay but you love them that's all i'll say okay oh the hot the hot topic before the power outage yes new balance 136 hours this one actually went down fees is this a fee card or are there fees so um i accidentally maxed it out like probably like two or three years ago and then i i'm back on rebuilding then get back up to what i had so it's way less than what it used to be is what i'm saying that did not answer my fee questions what do you mean fee oh my gosh

32:27i don't want to be mean i'm sorry i asked the question you gave this answer like you were answering the question but it wasn't even about it half in and half out what do you mean by fee

32:42there's a balance on here $136 and 45 cents the minimum monthly payment of$30 can one of you turn the TVs on please Ann Andrews is agreeing but we made the minimum monthly payment a little more than the minimum monthly payment so that's your method you can't harp on me on that but oh my gosh

33:08way down

33:13did you hear what i harped on because i want to make it very clear okay what did i harp on the fee oh my and then like the no no in terms of paying a little extra on the balance yeah what did i harp on then i'm the way the way i'm doing it okay so there is something to harp on then yeah but like if it's it's it's slowly working i just need a better method to be able to like make it work does that make sense it does it does it makes sense that you kind of listened but you tried to make it sound like there was nothing to harp on but we already went over that there's a better way and you're just doing yourself a disservice okay that's all i have to say i just don't want to have to say it 50 times all right i'm gonna give you 20 right now all you have to do is sign up for acorns using my link in the description below it's an amazing investing platform that you've probably heard about before and this makes the end of your week even better there's no strings attached it's literally a free 20 use my link in the description below oh yeah okay so this is a loan student loans okay so this one's 858 bucks that one's from my mom's behalf huh so like when i went to school um i took out student loans and i also had a pill grant but my mom took out student loans from her behalf and um what's it called so i'm the one that's paying for them because she can't pay for them why why is she not because she doesn't have the money to pay for them so i'm paying for them so that's another reason why my money is going how much are you willing to talk about this uh just like a tiny bit not a lot what are you willing to tell us about her situation it's just the fact that um her finance her financial situation is worse than mine like way worse you are enabling bad behavior in a sense yes because we're gonna leave it there out of personal details totally totally fine um if that is the case i need you to put up hard barriers and it is so hard because it is the person that raised you it is yeah but at the same time i feel responsible for it because now one second one second yeah Yeah, but you're also giving her extra money.

35:21You said like a hundred bucks a month sometimes. Yeah, but that's because she can't make rent. I know, but because of what you explained, which we're not keeping things, we've got a couple things in the episode. You're enabling her bad behavior. You are allowing her to continue her bad behavior. And what I mean by bad behavior is just financially a responsibility. You're allowing her to continue that because you're providing what she needs to survive. Because you're allowing that, she is telling herself that she does not need to do what she needs to do as an adult and she's taking advantage of her child who can barely pay her bills so i need you to draw a line in the sand and this is the hardest part of the conversation is because this involves a relationship a relationship with a loved one a relationship with a close family member a parental figure it's the hardest part of the conversation but you need to draw a barrier because if not you're going to be continuing to take advantage of the moment you get out of your own situation if i can get you there oh she's gonna take advantage of even more and you'll never build up a retirement you'll never be able to invest money buddy i i want to be able to set you up in an account with my i want to deposit like your first money as a reward into your moomoo account or something like that i want to do that but if she's siphoning money out of manipulation we're not gonna get there so i'll kind of leave it there because i know we can't dive too deep into it which is totally fine we want to be able to protect people's privacy in the way they want but that's gonna be a hard part of the conversation i need you to do that yeah but also like again i feel like it's my responsibility to do that and not to mention like since my brother helped me a lot with um helping her on that behalf and everything i feel like most of some of my credit card that is from because i like giving expensive gifts so like but but okay i what's the word you just used you what i give expensive gifts no you said you'd like yeah you know what that is what a want no it's not liking to do something yeah it's that's a want gesture yeah that's you doing something you want that's not me wanting it yeah you said you like giving expensive gifts it's nice thing their faces light up yes that's a want that's you wanting to do that how is that wanting that makes no sense to me what the fuck do you mean that literally like it makes It's not clicking in my brain.

37:38You want to give the gift to see their faces brighten up. Yes. You want to do that. It's a want.

37:50It needs come before wants because your basic survival comes before that. Yes. Yeah. Please say yes. Yes. If I can't get you there, I can get you anywhere. Yes, definitely. That's why I'm like, again, I'm slowly cutting down to what... Today was the day of the total solar eclipse. Did it somehow just completely f*** with you? Because this is insane. I missed it, sadly. It didn't miss you. Sorry, that was rude. But also, this is insane. Like, you didn't know what a want is? Like, what the word want means? The way you're wording it, it didn't sound like a want. Because it's like, that's not me wanting something.

38:35That's not me personally wanting something. Okay. So she took out the student loans on your behalf? Yes. Okay. And then you took out an additional$5 ,162. Yes. That's unsubsidized and subsidized one. Okay. No, it actually used to be more because I was paying it while I was in school. What did you go to school for? Theater. Do you have a... Yes. I asked someone who studied music. That was always the time.

39:04but you know i was just like any other 18 year old living in high school just like oh i'm gonna go do what i want to do the rest of life doesn't matter for advanced manufacturing oh you're going back to school for advanced manufacturing though it could be interesting is this trade school yes no no because it's here like at the college acc type thing okay that's fine acc is very affordable as well you're not cash flowing though are you are you paying for it in cash no I just literally repeated like three times That I'm doing it on behalf of my job Oh okay No you're right So like I'm going to be there for a hot minute So I'm going to have to stay in my position at my job For a hot minute as well It's not a bad position It's certainly a little harder in places like Austin Yeah but it's not something I want to do personally I almost made it through a sentence Okay And I'm not against school man I See I think the way you're doing it through a job that's incredible and either way i think a low-cost community college like austin community college is great that's great i talk about tech certifications to course careers i like trade schools in this public trade school versions of what you're doing there's a lot of good ways to go through college borrowing to go to theater school not the best only because it's an uberly competitive industry some people are gonna make it and not to mention like also the fact that i know it makes a bit less than what i'm making right now so it's kind of difficult to even go like go there yeah zero dollars is less than what you're making now so

40:30it's a good one wasn't it yeah i'm not arguing with you there huh i'm not arguing with you there so i'm like oh yeah you're not paying on this are you you're on like an income-based thing no i'm paying on it it's already started i'm already paying on it you're on the traditional 10 year i think so yeah i don't know what's your minimum monthly i don't see it 50 50 or something like that but i always again like i said i always pay either a hundred dollars or more but this is on deferment that's on deferment because mom's income right but i'm paying for it oh i know so eventually you mean no i'm paying for it right now but it's on deferment it doesn't matter i'm still paying for it because that's how that's the way i did it during school as well that's why that one's so low but but it's on deferment and you have 30 interest rate just racking up yeah but again i'm paying it now yes while it's on deferment i know that way whenever it comes like whenever like it bites me and it's like it's not 800 it's like less it's gonna bite you on like five percent you have because that's like the interest rate on there is like five percent but you have 30 percent debt that's accruing interest on a credit card right now that's more than zero which is what that's at and that's also more than five percent which will be yet.