Ignorant Woman Making Me More Stupider

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0:33What the f*** did you do? So it was a family recommendation. Oh! Oh! You're going to destroy your life. Hi, my name is Eve. I'm 22. I'm out of Colorado Springs and Omaha, Nebraska. And this is Financial Audit. What do you do for a living in two very different places? So I work from home doing tech support for a bank. Oh, very cool. What are we making in this position? um they just gave us a raise so my base pay just went up and i get a 10 shift differential so it's about 46 um thousand just base pay and then with benefits up to like 60k what do you mean with benefits bonuses or you mean bonuses and then also um my insurance like they consider that part of my compensation yeah no absolutely i want to make sure i understand what money's coming home because you essentially need a raise like with your spending habits you need a raise really not an option so we went from a raise up to well what do you think is going to be hitting your account on average on a monthly basis so that's kind of where it's kind of weird so i i get paid weekly but the way that the last few months have been i kind of have like no gauge of what's coming in because i mean that's pretty clear just within your overall like i mean you have every debt that's ever been like but regardless of the debt you spend almost double what you bring in and it wasn't as bad when there was two incomes so okay so marriage yes and now active divorce process active divorce process currently in that okay how long have you been in the states so okay so obviously when did you guys split up august of last year okay so august the last year you know it's been a little bit why haven't you cut down lifestyle because that's kind of as much as it sucks and i'm not like oh you you got divorced let's punish you no but there's also just basic math well i was also on a medical leave and then i was in colorado trying to get some things squared away i was trying to do treatments trying to figure out my life and then also kind of spiraling mentally i was like well my life's over so who cares because the divorce yeah okay so you started to give up on everything yeah like when have you decided that we're not giving up though because it doesn't seem like you're there right now um so just recently going back to work like yeah realizing that it's not over because for context um we started the divorce after a suicide attempt so oh gosh oh yourself oh yeah okay um wow now i understand this was a potentially abusive situation yeah okay so that's why i ended up like going back and forth between like uh omaha and colorado so there was a lot of like spending on the road and like being all over the place and just like mentally trying to like cope like oh you know like i try to be responsible and it didn't work out well you're spending it's not the ridiculous part the ridiculous part is we have one two three four five six seven eight nine 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 individual debts but you have to remember it's like two people because i was taking out which ones are under you were taking out for both of you yeah his name was on nothing in the marriage there was two cards that he got because i didn't trust him having control over some of the accounts jeez how long was this relationship like you didn't trust him to oversee a financial document at that point at that point i'm like like i'm out you know and i tried i tried multiple times to divorce him and like for context like we did you file charges um after the fact after he talked me out of it the first time if i called him regarding all this and talked to him what would he say because i do believe you because the other person's sitting here i'm not gonna just be like like just say i don't believe anyone or anything like that um at the same time there's always two sides of a story abuse is in no way ever excusable but in his mind you know i feel like i don't know what would he say well i can't sit here and act like a saint either because like there was also issues of like my own substance abuse and issues with impulsivity because like that's a key characteristic of like borderline and what's your substance abuse alcoholism and then um both of us nicotine where are you with any of that today um there are still some lapses with the alcoholism but that was a big part of my treatment last year and so i did an extended stay no the uh involuntary okay so okay the hospital was a lot better than the first hospital when was your last relapse um probably about three months ago kind of my issue is like throughout my life like blackout drinking every single time so just constantly constantly just were you able to get on the wagon pretty quickly again um it just depends on when the lapses were happening because like especially like in the winter like a lot of like seasonal depression issues and then like being isolated from family because we were so far from colorado because we're both from Colorado.

5:56What was the medical leave for? Because of a lot of stress transition. We were first moving to South Dakota. I got a new position. I got overwhelmed and I was going to quit my job. But my manager said, hey, don't do that. Here's a program through the company. So that's when I was introduced to like, oh, I can step away if I need to. And then the second one was because I got assaulted by my roommate in South Dakota. Did you press charges there? Talked out of it. they're like they're gonna the big thing was is like if you press charges because they were both in armed security like that's their background so if i made a report they would lose their gun rights good it's it's kind of a tricky situation because it's like i you know i don't want them to lose their gun rights why well a lot of our spending was on firearms again i want to ask before we go to the financial situation what are you trying to get out of this because i mean there's negative people online at all times for any creator some people say oh i'm taking advantage of someone with mental health issues in this kind of conversation and i want to make sure that i am not i want to know what you want to get out of this conversation how can i be beneficial to you well you're kind of like my last ditch ever before i just say it and blow it no no blow what up what are you gonna blow up just give up just have quit my job and say don't ever give up first of all if you give up your job we already talked about that you already told me i mean you lose the benefits that you need to survive mental health i will call out the bad i will call it the bad i will give my recommendation i will build a budget uh give my thoughts on your income situation and give you a broad large picture and then connect you with resources after the show that's what happens every time i can do that but me being your last ditch effort i mean it you have to walk away from this and put in the choices i can't make choices for you that it's not worth giving up plus i mean you're 22 you are so young you have so much life to live imagine you giving up at 22 what is 40 year old you gonna think you've ruined your 40 year old self at that point so how do i untangle this mess because at this point it's like that seems like the only option let's go into your finances but first hit the like button hit the like button it really helps support this video I'm assuming you'd give yourself a score 0 out of 10 finances right and like what would you say sorry I don't want to speak for you I mean maybe a 1 okay compared to like other people I know like I could be homeless in a car could be worse could be a lot worse yeah there's lots of disqualifiers in my score but if you want your hammer financial score link in the description below it's free it's fun we got paypal paypal paypal credit and mastercard okay we're owing 330 dollars now the crazy thing i guess the car's a big balances a couple big balances but most of these are pretty small there's just so many individuals and the minimum monthly payments is absolutely obliterate your life obliterate your life well i was told that like you should try to keep pulling out credit cards until you get to like 15 000 what just trying to figure out like some internet forms like i when i was in college and then like a college tiktok what have you done well to be parents the recruiters that sit on campus because like that's how i got my first credit card wait the the people with like the little credit booths yeah oh them them those stupid pieces of they're like oh like you only make 11 an hour here pay rent and groceries on this card kill me right now and i was like okay if you're willing to give me money i'll take it have we at least learned our lesson that that is bad what what do you mean how is that not an instant yes have you seen the stack that is in front of me yes you have you sent them my way How is that not an instant, uh, yeah, opening all these credit is bad?

10:02Well, there's a lot of times that the credit came in handy. It's because you didn't have a fully funded emergency fund. That was your choice of the finances of you choosing to rely on credit cards instead of ever cutting down, building a fully funded emergency fund. And that would have replaced that situation. That's why you rely. Well, there was times that I did have an emergency fund. How much? And then the timing. What was your max emergency fund? $6 ,000. between well that's certainly not enough because emergency fund it is six months of what you need to survive or 10 000 hours which everyone's higher but at like 21 and like well you work to get there you work to get there no no it's not magically going to appear in your account that's for sure but i just don't like the mentality of relying on a credit card well it was just like it's just all about like timing like i feel like credit can save you from like changing your due date and like You use it to get away from, hey, I'm going to be homeless if I don't make this payment.

10:55Of course. Absolutely. And there's, okay, yep. I mean, there's nuance to everything. And that is a valid point. When you're going through that process of building up your emergency fund and something happens and you have to pay for it. Yeah, you go into debt. But what do you do then when you go into that debt? That's when you cut back on everything to pay it off as quick as possible and then continue that journey towards a fully funded emergency fund. But you didn't do that. You just continued the spiral of debt instead. so yes that's going to happen that is going to happen like a car breaks down randomly uh we have a lovely dog under this table right now that i've become best friends with hopefully i just knock on all the wood possible you know do you have pet insurance no but there was times that like we got in a little stitch with our other dog okay well if you you know if something medical happened you would probably pay for it and that might max out a credit card because no one's gonna let their pup get hurt i wouldn't i have two i love them to just they are my world um in that case okay that might go on debt but then you sacrifice everything in the world to pay off that debt immediately sacrifice wants not needs i'm not saying go live in a box but when you're in a two-person household and there's a conflict about what's the best way to do it that's where a lot of the issues like extend with the finances and that's why i kind of took over with like i'm gonna be the one that manages it i'm gonna make the final decision and he had two credit cards in his name one for his own personal emergencies and one for his rifle yeah i i don't think that fully justifies what you said specifically but but it was just like his mentality about like um it's not an absolute emergency until like somebody's banging on the door okay so you know but is that your mentality at one point it was because it was like is it now i don't care about what i care about now i've gotten to the point that's like i'm i'm realizing that like it's starting to catch up to me like understatement of the year okay yeah purchases 148.52 cents and 5.16 of interest oh come on freddy's and spaghetti works some paypal purchase to be fair the paypal credit maybe when i got back into watching the show why i specifically say on every merch thing i mean i would love you to buy my merch but you had a limited time drop so i was like oh well it's only oh i was afraid with that i was afraid of that because we have so many ideas that the limited it does i was afraid with that i was afraid of that that was one of my questions that i dealt with in that situation and that's that's this that's the dirty money merch which isn't available anymore and the irony is that's the same sticker i bought it's a great sticker fantastic no that's not a good way let me be very clear if you cannot afford it from my merch do not buy it do not i'm not happy with that limited time it's the strategy that you just have to entail for merch to be someone successful but if you can it's only four people can afford it there are people in my audience who can afford it and see i try to justify it in my mind it's like i'm only buying the stickers i'm going to buy the cup but i talk to myself like because you're not spending something more expensive yeah but it's like that's obviously bullshit um potential no that's probably gas then what is westin west minister west minister um it's a restaurant within a hotel okay so this is the point if we built up all the debt okay that's the situation we're in okay what do we do now we sacrifice our wants but you're not sacrificing your wants to pay it off a lot of the times it's just me justifying it with like the reason i was in westminster is because i was looking at property property a condo yeah how are you purchasing a condo how in any way are you purchasing a condo right now well the broker that i spoke to he's like yeah we can make it happen oh please don't tell me you're gonna do like fs fha or something or well that's what he was that's what he was like oh yeah like we can get you down payment assistance we can oh we can like you know we just gotta adjust your numbers and then it doesn't matter like you're currently spending like 33 percent more than you bring home what's your current rent um it used to be 650 but then they changed property management and it's going up to 8 30 8 30 is still kind of a blessing oh no it was intentional it was intentional for that location i know and then you lock yourself into a mortgage where rates are hovering around eight percent well my biggest plus extra with like con uh mortgage insurance and then whatever assistance program you're taking on this will not help you in any way this is gonna hurt you you can't afford to survive i just figure if i can just squeeze things and move things around then it'll be fine move thing what what are you moving around put it on a credit card move move the due date put what on a credit card i have to make a payment like you put a payment of a credit card on another credit card well some of these listen if you even said that statement if you even considered that statement buying a piece of real estate is not in the picture i'm sorry trust me i want you to have it i want you to you're gonna do it well it's gonna happen what's the point of what is the point of being here if there's anything i'm like good at it's been real estate well to be put into a place like how do i because that was the number one thing the broker said is like there are some concerns with the balances so he gave me three cards i need to tackle are some concerns there are some concerns he's saying like it wasn't that bad he's like i've seen worse and i was like if you've seen worse i can then i hate that i hate the it could be worse i've seen worse yes i have seen someone piss themselves in front of me drunk out of their mind on every drug possible living homeless on the street downtown austin that's pretty bad that doesn't mean that i can just go and do a bunch of bad but because that's worse it's okay that's not that's not how it works if bad is bad is bad is bad doesn't matter if something's worse bad is bad well like the justification that like me and my ex had in our heads is like oh we're doing better than our parents so it's good enough but that's do you know that's again i don't care about the used to what what uh it's just the credit like it's in in like you said emergency fund yeah but it's like credit's not benefiting you it's taking advantage of you it owns you it owns me at work too because i work for a credit card company so what is this credit obsession well it's like a lot of the promotion of like even at work there's like oh there's little things you can do to get around certain things and like no if like our our company you know policy for customers is like if they want it figure out how to get it for them oh it's disgusting or Like, how can you help the customer spend?

17:59Oh. So I absorbed a lot of that, too. And then it's like. But you know that's wrong. You know that's wrong. You don't know that's wrong. For the longest time, I was like, oh, yeah, that's not that bad. I don't care about the longest time. I want now. I want where your mind is now. I don't give a shit about the longest time. Now. Now I realize I've fucked up. Like, I'm in a fucked up spot. So why would you go take out a mortgage? I just want to go home. I want to go back to Colorado. you can go back to colorado and you can rent you should see the market buddy you're talking about buying a piece of property right now the rental market is 10 times better across the united states than any buyer's market but it's like it'd be better just like pay like in a way just like you're paying yourself rent if you can't afford it it is not good according to somebody i can't afford it though like that's where somebody somebody they're the broker yeah but they're dumb they're a dumb if they put if they say that they're legitimately dumb they're no no what they're trying to get is their little precious commission i'm not getting paid by telling you this i'm not getting paid by telling you this i have no dog in this fight it's dumb i've bought a condo i own um one two three four five six seven seven or eight properties i know a thing or two about that i guess it's because like they helped my cousin by so i was like oh my cousin's place is pretty nice i'm like oh oh so it's a family recommendation great what can i say what can i say what can i say to convince you okay oh this is impossible your mind's set it's done it's it's done you're doing it you're gonna destroy your life so let's go through i'm trying to figure out how to pivot from this how do i get out of this spot not by going into an eight percent mortgage that you can't afford i'll tell you that let's start let's go best buy and the other thing is a lot of these are special financing so it's not like not all of them are really generating interest so that's that was the other justification like oh it's not real two thousand three hundred sixty six dollars twenty seven cents the minimum payment of thirty six dollars these are going to stack quickly 11.94 cents of interest is accruing 30 interest yeah majority of them are pretty bad interest rates okay will you at least let me because you're you're in it support for tech you said right yeah will you at least let me gift you a certification through course careers to like negotiate that for higher income in the future honestly that's the best to try to get a better position because I recently moved into that position from the operations side of the company.

20:43Because that's when I started with the bank. I was supporting people buying motorcycles and ATVs and jet skis at 24 % to 35 % interest. And the people that called in always sounded happy.

20:59Ignorance is bliss. $408.46. And this is in an interest-free period with a$40 minimum monthly payment. when does that interest free period end october that one was kind of an emergency with the car like i opened it um my key had broken and then like i had gotten locked out of it so it's like the mechanism needed to be fixed gosh because i'm going into debt for a mechanism yeah well the car was like an individual debt like not even on a credit card it's like we just like we opened a new debt well that's what i was kind of like my mom was like i'll just open a credit card and just like when it's when never listen to your mom again for anything financial related well i'm realizing that now that their their mindset is a little bit broken because like even when i was they're like you know as long as you're over 30 it's fine to keep a balance or i want to punch them well to be fair neither of them had parents so it's like they're just winging it and nobody has financial education in this country it's personal responsibility figuring it out on your own and when you make a mistake like i did like you have is getting help seeking out the resources necessary and cleaning up your life if they at that point have not they have failed to try to learn well that's where i'm kind of saying it now especially like now that i'm not tied up with my ex like how do i fix my life not by getting and some to be fair some of this isn't just mine that i'm trying to argue in court well are you gonna tell oh you're trying to argue in court so it's an active but all this is under you everything that i have here i don't have any of his you don't have any of his legally speaking yeah because the other thing that happened is after i got assaulted we separated finances because like at that point i was like i i can't be here so from the roommate from the room from the roommate yes and then um so we find we started separating everything checking savings and we had our own checkings and savings and what we were trying to do in nebraska was like kind of reset our relationship so separate finances separate everything stay legally married but just date again and then so we would go back and forth seeing each other going on dates spending on credit i'm very sorry for everything you've been through to be very clear i really am that's hard um and you are brave for coming on it's your actions after this that are the most important though and that's kind of where i'm sitting it's like i don't want to throw my future away but it's like i've lived in chaos like the past few years like i don't i don't know any different but it's like you're trying to tell my credit is bad but it's like literally saved me in some situations i mean in the way you've gone about it yes but again there's many more smart ways to go about it and that's what i was starting to touch on it's like your credit wouldn't be what it is if you saved yourself as you say on the credit but then we sacrifice everything to pay it off you didn't with your spending you're not so you're still not doing it in a way that makes sense balance of 1117 dollars in paypal credit all special financing though uh yeah for intel um there's a couple so the way that paypal credit works is like yeah that's different one has different due dates yep so i know yeah something's coming up in like two months three months and that's why i picked up a second job to try to nah this is gonna all right yeah and uh you gotta pay it in interest or else a deferred interest comes and gets you so you need to attack this 30 death insanity there's like three dollars and 11 cents of purchases it's a microsoft subscription for school for school great wells fargo everyone's favorite wagon yeah i really want to get away from them because their banking is terrible this is the one wagon i want you to fall off of which is that wagon I'm chained to because that one the other thing about the Wells Fargo is I use it for overdraft protection so it's tied to my main checking account

25:06$576.89 interest$6.84 Purchase is$391.80 The previous balance was$46 You could have ended this thing It was car parts My car is kind of old $25 a minute monthly payment Overture protection There it is$156 Chandler Bar Yeah that's a car part Twice What I did is it's next to the laundromat So I bought a drink and then got the cash pulled out Instead of going to the ATM if you're not willing to cut back

25:45capital one savior though with that one at least wasn't binge drinking oh I didn't even connect that $2 ,030.44 on this one minimum payment is$65 $45 of interest charged oh my gosh here it is again$649.39 of purchases and interest is being charged we can't pay it off but we're going and purchasing some ticketing thing a nightclub in your situation that's not a good environment to be in and then mcgraw hill hire cousin invited me out and just like they've got this cousin of your situation different cousins and they all cousin know your situation yeah but they're like oh it could be worse it could be worse like that's everybody around me is like your family is an enabling dumb they're stupid financially financially financially they're stupid yeah the the debt cycle is bad for everybody and i was like oh my debt compared to them i can swing it i can swing it so it's like that's how i kind of cope but then it turns into cope spending it's a 32.25 24 percent interest a walmart card i don't like groceries though only groceries promise i can show you on the app good they're connecting thank you because that's the hard part with walmart i just don't know 28 down minimum fee payment four hundred thirty seven dollars fifty two cents twelve dollars sixty nine cents of interest this interest is stacking up across everything four hundred forty dollars thirty three dollars of purchases okay so the walmart's though okay walmart's are groceries but you also stop in there and get like seven dollars of things usually that's like a drink or snacks well sometimes it is it's like energy drinks and stuff but it's like i'm buying it from walmart instead of gas station you know or i buy it in bulk try to cut down the cost if it fits in the budget if it fits in the budget that's when we can do that other than that we do necessities but you are stepping into the gas station getting nine dollars 19 cents of stuff usually an energy drink subway is that an energy drink there's another four dollar energy drink from walmart that's all anything on the liquor store yeah okay wait when did you tell me your last relapse was the blackout was my last relapse like the last time that i blackout drank wait isn't drinking at all considered relapse and an alcoholic situation not the way it was like explained to me by like the hospital that's like if you can learn to take like one or two drinks and stop yourself you're good the hospital said that for someone who's an alcoholic they so it was a religious hospital and like they had a like um they had people's like how to like because my thing is like it's not i'm at an age it's like most of the socialization that happens is drinking going out the bar i know dog parks i know people that drink at the dog park oh they sound like that's a sad life chick-fil-a certainly not an energy drink yeah any return ach card payment 100 bucks that was just a bad timing when i scheduled the payment but I ended up paying it right after synchrony this is a large thick balance$1000 we're sitting at a minimum monthly payment of$51 okay interest charge almost$30 $800 payment thank goodness oh but then$300 of purchases still so f*** me can't get too excited it's mostly all blacked out but it's pretty much gas You can pay the statement.

29:20That's how you cancel the interest. So I've been trying to like... Huh? It feels like playing a game. Say it again? If you just pay within the statement, like the big chunk, if you make another charge, it doesn't count because you paid the interest for that cycle. Yeah, but why pay any interest? Well, no, to avoid the interest. Buddy,$30 of interest happened. Yeah. Security Service Federal Union. So this is your car. Was my car. What? Is that this? Nope, that's a different one. That was his car. now okay okay so what is this what's the situation so it was a 2016 volkswagen t gone i thought my car was going out and it was i was in colorado and my friend sells cars and he's like hey i can get you a deal on a car if you want to come in well he was a friend because he was just a salesman and i knew it was like my biggest problem was the finance guy but i did talk talk it down like the down payment and they decided that i didn't need to trade in my car so i was able to keep the other car which worked out because i ended up totaling that car you're not going to take a loss don't think you won in this situation especially at a 10.4 interest rate of insanity okay the balance of a car you don't have anymore it's totaled there's only 300 left through an alcoholic situation no actually okay unmarked uh dip in kansas okay good so it wasn't my fault fifteen thousand eight hundred thirty six dollars still owed on this what about insurance well there's only 300 left on it because i just made a payment on it and um that's what's left with the gap how'd you get the money to pay this off it got totaled it wasn't my fault so it was from the insurance the insurance paid it okay and it's at 300 now yeah that's what i owe because i didn't pay for gap insurance because i was like i didn't need it okay good good good good well i'm glad insurance was there because that's okay and the car that i drive now it's kind of borrowed so apartments so that was part of the situation with the roommate is we ended up breaking the lease and then the complex said that they um were gonna charge for fees that according to my contract didn't make sense because they said if you lived there for two years they would cover certain things but they're like no technically you didn't live here or two years even though like in the contract from the dates i did and so i'm fighting them in court on that one how many people are you fighting in court right now about three with who who's representing you um so my company pays for legal services and i paid three dollars per paycheck so like my divorce i've only paid like two hundred dollars what's the other one uh suing the roommate for damages for sexual assault for the it was a physical assault sorry for physical so yeah i mean getting bit in the face a bit yeah he's a bat no he's psychotic he was not well and should not have been in security oh he was in security kill me what is this yeah so they were like used to like fighting with people all day so it's like they had some violent tendencies but he bites them well that and like this guy sounds like a mess he was worse than me like he has 50k of medical debt and was like a kind of payment well that's what i'm saying is like i directly lived with somebody that's like oh at least i'm not that guy okay we have five thousand seven hundred fifty six dollars of different loans with all these other places one loan was for nebraska and one loan was to for ent yeah they were for what for the consolidate part of the credit okay so that's what this is a consolidation there's two the smaller loan is for moving well there's a five dollar one oh that's savings that's savings cancel that one okay one thousand four hundred 20 because i used to automate my savings where like i try to treat it like a bill like oh some this money is going to disappear yeah and i would put it in an account that i couldn't see because i don't check this this bank account as often but then when i get in a pinch i'm like i do know that money's there it's a 12.5 interest me with a 67 dollar minimum monthly payment if i'm not mistaken fighting them in small claims court the apartment yeah because um part of my services they cover tenant law and it's a really cool employment perk yeah met life legal love it but you just got to find an attorney that will accept it because some attorneys do not like the insurance yeah but for up to 20 hours of work for free when lawyers charge like 300 plus so there's no way in hell i could have afforded to like fight with them okay and then we have another one here,$4 ,335.70.

34:03Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Just right of 11.5. With a minimum monthly payment of$162.20. This is never ending. You go to your mom. For what? I mean, some of the mindset was like, as long as you pay rent, like you don't really have to worry about the other bills.

34:54Huh? Like as long as you have somewhere to stay. That's why you borrowed from your mom? Well, I borrowed from my mom because she was willing to help because she didn't want me to be at that apartment anymore. So she's like, I will give you some money to break your lease. Have you started paying her? I've been paying her since day one. What is it? The minimum monthly? Usually 200. And then when I went on my medical leave, she'd put a pause on it. And then I just started paying again. Now that I'm back at work. It's the most expensive one so far. Yeah, because it causes issues. It causes issues.

35:20Yes. And that's why borrowing from family is wild. What's this? Yeah, we got a little bit of a fight. that just got taken care of right uh yes that's that's the loan and that's what i was trying to send to them but i don't know what's your car situation right now so my dad so i ended up giving my dad my jeep because i got the volkswagen and to also like get rid of stuff that could be claimed you know if things fell apart so he took over that he took over the insurance what are you driving right now the jeep oh okay and do you so you don't have to pay anything for it i will have to eventually start paying for the insurance but that's it there's no minimum monthly payment or anything nope it's a hand-me-down when will you have to pay for the insurance probably not until next month next month okay yeah we'll calculate that in the budget then student loans you're you better you better be on some like plan right they don't start until august but they should only be like 150 because my degree like was pretty cheap well you have eight thousand dollars of student loans that was for the whole degree what was your degree so it was neuroscience and then kind of like a minor in business management non-profit and that i got in 2021 that one i'm kind of proud of because it's like another could have been worse i could have been 30k and dead shut up with it could have been worse i never want to hear that out of your mouth again it's too much of an excuse and justification i'm not even saying this is bad not even saying this is bad but stop the it could be worse please that is going to hold you back forever it's going to justify and allow things to be seen like they're okay doesn't mean it is please it's okay because like you said you've literally seen people homeless on the show right oh my gosh that does not mean your situation's good though it could have been worse as the ultimate just excuse to just allow it to be like okay everything's actually okay in my mind it kind of is because i'm not homeless i paid my rent i have no bills i have 100 payment you could be homeless could be could i could just and i think you're headed down the path financially if i just stop paying the credit cards i won't have to worry about it well you know how you like to litigate some people they could litigate back they oftentimes don't they they could litigate back legally speaking they could they could come after you typically don't but they could these are small balances so i doubt they would but they could people have requested that i do a live q a for a while now and i'm excited to announce that i finally am on wednesday march 20th at 8 p.m eastern 5 p.m west coast we have an exclusive live q a for anyone taking or has already taken our budgeting program it has changed thousands of people's lives and we're constantly receiving testimonials from those saving money and fixing their financial future showing that we made the best budgeting program in the history of the internet at the best price sign up using the link in the description below and join me for the q a where i answer your questions live technically legally you signed a contract not too worried remember the contract that you signed with the apartment and you're holding them credible to that contract yeah they could do that too they probably won't but they could i guess a little bit easier for me to justify because it's like they're just a faceless company and if they're going to give me money it's whatever what does that mean you don't feel moral responsibility when you borrow money from someone well i work for a bank and i see what they do to people so it's like why should i care about them well it's still a contract that you signed regardless not saying they're angels by any mean but you signed the contract and i have 100 payment history you can check my credit report i've never missed a payment good good good good but as these minimum monthly payments stack up you when you say it could have been worse it could have been homeless has to stack up and you're talking about getting into a mortgage that you definitely cannot afford in any way whatsoever it's like that ends up to a foreclosure situation which could end up in homelessness so i don't want that it could be worse you're heading down the path of it could be worse because you tell yourself it could be worse well i've seen even like families save themselves from like foreclosure so i'm like it's not over until it's over oh my goodness you're too comfortable you are too comfortable 1 600 is or is due for my on plan health so when i um the insurance paid for most of it did like the divorce it changed my plan a little bit so like my company gives me on tax money to spend on health stuff.

39:53Yeah. So therapy, medication. But it went from$750 down to$500, and I didn't realize that. Are you on a monthly payment plan for this? I scheduled something with the doctor's office directly, not through the company, because I'm going to try to use my gym membership because they pay for that, and I just got to send the statements. Interesting. It's a big benefit package. That's one of the few reasons I can't find another company even close. Sure. Okay. dentistry you owe 15 and that's part of that that um but why not just pay 15 i'm going to like i've already spoke to them and they're like yeah don't worry about it if you're gonna talk to the insurance so i was like if they're not worried about it i'm not worried about it and they're like this is screams you though you're just like it's a smaller fire compared to the other fire so it's like i don't put metal energy in it okay uh drywall oh the damage okay but there's a possibility that the the apartment will cover it because of uh domestic violence laws yeah but they could still don't know yeah they're still on the fence about it but i did get a police report to them so that's like they have a record man is a hole in the wall gonna be proof though because like anything could be a hole in the wall you know well they they worked with me through the situation okay okay good so there's things on paper there's a record yeah good good good good i'm glad to hear that well i'm not glad to hear that but yeah i'm glad that there's there there's stuff on your side 275 dollars uh and that's when he goes back to like he could have murdered me could have been worse okay all right okay 416 dollars is due my gosh this is just endless isn't it uh this is another medical thing so what's your is it saying are you gonna try the same thing with this um it depends which one is that one because there's three main ones that one i'm on a payment plan i just pause your monthly um it's about 40 you paused it yeah because it was my therapy oh that's what that is is a therapy bill because the other thing too is i i was on a plan stop therapy well because i was on like with a student so they only charged ten a session but then they left and then i had to go to a professional and after insurance it was still like 190 okay okay okay and i kind of needed therapy through everything don't just tell me that's the dentist stuff that's that's the we already looked at yeah you've already looked at that's all that's okay so that's all the debts that's all the debts besides the hospital bill an extra hospital bill the the insurance covered the majority of it but there's like 1600 but my lawyer there's a payment plan that's going to be set up after the divorce finalizes because technically medical debt is a marital division marital liability what's the payment plan um it's going to be probably like 56 47 okay is like the minimum okay oh my gosh wells fargo 60 bucks that's terrifying but what are you transferring to fidelity you can't afford to like pay your bills loans oh yeah kill me but the way that they justify to me is like you're paying yourself so it's like it's only and it's a small percentage going out to eat there with the vajaya i think what's the security online 298 which one is it security s rv fcu overdraft protection ten dollars overdraft 156 dollars more payday uh 401k loans overdraft overdraft the overdrafting did not happen before i went on my leave because the other thing is i lost now and that's all i care about true but i was being paid weekly so like a lot of my bills were structured for that so restructure that's what i'm trying it takes a couple hours to sit down and go through no you would have if you were trying you would have done it zellin out forty dollars then went out thirty five dollars forty dollars is my phone bill i have to pay my sister that's pretty good forty bucks my brother-in-law used to work for the company okay okay yeah i mean i always i'm actually getting a phone from them so i can like test it but i always plug my boys over at helium where it can be like 20 a month which is pretty sick as well that's what i looked into when we weren't sure if he was gonna keep his employee benefit because they let him go and that's another reminder that companies don't give a about you i'm a company i care about my people what are you talking about as a small business but what happens when you get big i would like to think i still care about people sometimes you have to make hard choices business choices for the sake of the business which impacts every other if the business goes down then everyone loses their job i don't think anyone enjoys firing people i think that was an over like i think that was a a little bit of a generalization i can see that this is just showing my payment history for the loans because like the statements are kind of funny because one bank will do it all your bank accounts on one statement the other one is a bunch of separate same with this same with that yeah so that's just payment history so i've never missed that's great that's great i mean i wouldn't i'm not yelling at you for something that you didn't do 60 dollars 46 cents in your checking account scares me but 710 dollars in wealth fargo savings um so the way that my never be overdrafting well the way that my bank is structured is i have three accounts with wealth fargo i have one that's automated payments and my direct deposits and then i have another one that i try to keep a little bit of cash stashed and then i have one that rolls over so like every time i spend from that bank account it rolls the change over so that i can have a round number so that i can like quickly it's like oh i can swipe the card because i know i have this much so i can swipe the card keeps that number around so like i was trying to set up systems and do automated payments and like move things around automatically yeah you're moving things okay you're transferred in transferred out it's getting weird and confusing a producer just told me you emptied this savings account when i went on my medical leave i draining a lot of my savings and then this one's also zero not too yeah all my savings pretty much gone great awesome and where are you so you have a little bit in a 401k even though you have leverage against it anyway so you're in these uh target date retirement funds i like target retirement funds don't have much in there but actually for 22 i'm actually kind of it's so weird your financial situation is so weird you have seven dollars in there targeted retirement funds are great and there's another account in there that we try to set up do it for my ex-husband too like that ira that's empty that used to have money in it because it was for him but what's your 401k loan um there's three of them so there's different amounts okay i think i have a rent down here okay thousand dollars six hundred dollars 671 dollars i realize another bad habit is like i don't know off the top of my head where i'm sitting half the time where what half the time i don't know where i'm sitting i'm just sitting like financially because like i just let everything so you've never budgeted okay go through our budgeting program go please that's what everyone every guest gets it for free go through it it has changed thousands of people's lives please please like actually take the education the class go through all the questionnaires um and take the quizzes please it will literally change your life we're gonna create a budget but like what's actually required to do budgeting is like spending hours going through it the first time and then on a monthly basis going through it and eventually get shorter and shorter every time that's what you got to do we're gonna we're gonna put something together a loose budget that gives you like a vision of what you need to do and how long things might take but go through the program yeah everything feels like it's on fire so again you do spend double what you make 40 almost double 40 uh 34 percent of your spending is going net into debt 1 ,709 dollars and 10 cents i'm glad it's at least a large percentage when you have a lot of debt we need to start putting it towards the debt a lot of that is just minimum monthly payments anyway that just stack stack stack stack stack that's what i'm feeling the death by a thousand paper cuts absolutely yeah you think debt's good and you should take out more and that you're taking advantage of credit but credit's taking advantage of you nothing's good in any way whatsoever so why have you said that credit is good and that you want to take out more debt that doesn't make any sense why would you add more cuts to the cuts that are killing you i guess it's like the information that i'm getting is very like you said there's people who have dogs in the game that want me to spend cool so you're done with that then because i've corrected that correct yeah like i okay so you're not gonna get a condo right now right now not right now but that's the goal that's sure absolutely i want you to i want you to get whatever you want in terms of your first property absolutely we got to get there let's not rush there and hurt ourselves because then you become house poor and then you get and even i know i keep saying like but it's like don't say do not say it do not do not have a house it might be worth being house poor no being house poor is absolutely worse than renting are you kidding me it's not even close 0.8 percent uh okay the housing total 766 dollars 84 cents phone total 0.8 percent we know that was 40 and transportation total 12.6 percent or 630 dollars 64 cents and i don't spend a lot because that work from home necessary food groceries 4.2 percent or 210 dollars 24 cents food going out to eat it's not crazy 3.4 percent 170 dollars 71 cents but when we're spending double we just can't unfortunately afford miscellaneous or medical sorry medical is 0.7 percent miscellaneous bull usually stopping getting drinks we know we did that a few times it's 0.8 percent close to one percent and other large purchases was 28.3 percent or 1 419 dollars let's take a look at those and to be fair like some of the big purchases i made is because i'm going to europe this summer what what what what i'm gonna go see the olympics what the yeah so you can't afford to live how why are you seeing the olympics again i want you to but that is a want you can't afford to live i don't give a if you're seeing someone carrying a thing that's on fire down a path it's kind of too late because I already made the purchases.

50:21Oh, kill me. I'm trying to refund them as much as possible. It's kind of a little past those cancel points. How much did it cost? Because then you're going to go there and you're going to spend more money getting on food and shit. Well, it was$2 ,000 for just the plane. That was from the States to Europe and back. And then my friend, she's going to cover the cost of the hotel. Oh, I want to fucking just ruin it. And she's like, oh, I just got a card just for Europe. And I'm like, I got a card just for Europe. southwest airlines yeah that was a large thing and there's legal fees then a hotel then venom and all oh okay okay okay can we turn on the ac in here i'm sweating this is insane this is insane keeps going that's it there's more well that's a lot of the issues is like there's i have to more well after the europe is like so that's kind of happening but it's also like i'm getting ready to move into this new complex and i'm trying to figure out complex i thought you're buying a condo so you're i can't leave my company so this is where i'm stuck is i want to quit my job so i can go back home but i can't go back home because the company don't have an office there or anything they said you work from home it's you're required to live in certain cities so i can't is there a city closer to whom uh that would be back where my ex lives so no because we left that city to go to nebraska for college because we were gonna go back to school so much corn and a lot of cows fun fact there are more cows than people it is fun where are the minimum payments total in your 401k loans um off the top of my head i don't know i'd have to look at my come on my list do you have it i do well i'm just

52:18and see i was always told well engineering is just like as long as you have a you're always told a lot of things and i don't give no offense what you've always been told i don't everything you've always been told has been wrong you know that stop listening to people who don't know what they're talking about i don't give a shit people have said educate yourself inform yourself from reliable sources don't the i've always been told that's done just to be clear that's done with your life don't no more urban myths well how do i how do i even know that you're because like that's a big thing too is like content from youtube and forums and i've looked at books and it's like they're dated information about the economy that was like 10 years ago well i'm not trying to get you don't need an economics degree but simple truths about debt are pretty similar depends on who you ask that's the thing is like there's always a different opinion like some people there's always a different opinion but there are objective realities that like there's youtubers like oh you can just do this with your credit or like travel yes but he never says hold the balance he never says once hold the balance i'm saying there's lots of different youtubers who says hold the balance nobody holds the balance but like that you can use a card for this for traveling or no of course hack and do it like oh it's five percent and you always can if you're a credit card person you're not a credit card person i'm all about that too yeah you're leaving out the equation where you hold balances none of them say hold balances so i i disagree with what you're saying sure people have different opinions but what youtube are saying hold balances not necessarily there are there are attack them what is it people who have said and granted is probably miss pushed out by banks like saying that keep a little balance to show a payment history showing that you're making a payment yes but even if you did that you don't have a little balance i want to i wouldn't come after you and like obliterate you for holding a little balance I'd be like that's stupid fix it but this is not a little balance so again when it was two incomes it was easy to pay off a lot of these but it's not and it hasn't been for a while and you haven't you haven't adapted yeah even cut back you're still spending and that's kind of my goal it's like how do I live off of the one income because together like our finances were like we were making about 70k together and then our apartment was pretty cheap with a roommate you're all right though it is hard to sort through what the good information is i've seen actually just a lot of people this is just a vent of my own a lot of people are like why would people ever buy the budget program when all this information is for free online it's so hard to tell what's a reliable source what's good everyone has different opinions so what we did is we like brought experts in the field together and we like created like one concrete place that everyone can go through and it helps people like you it helps people like her if you're that person who's annoying and says that kind of crap because it's impossible you go and try to search things and you're going to get a lot of information you're correct none of the information that says what you're doing though so i like i don't buy that well just frankensizing a bunch of information it's like oh it's not that bad or it's bust with the boys is here to let you know that every college football saturday fandles dropping profit boosts that can turn wins into bigger wins sounds like we should rename saturday booster day nice 21 plus and present in select states.

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55:40You know, the misinformation from family who obviously invest... I don't listen to family about financial advice. That doesn't make sense. But who do... Like, that's mainly people, like, in your corner. I know. No, no, no. You're right. No longer do that. Just don't. They've led you down the wrong path financially. Just don't listen to them anymore. You email me. Okay. You email me. Can't promise an instant response, but we respond. I'm going to put your budgeting to the test. Yeah, yeah, yeah, yeah. And you have the Discord with all the other guests, so they can help too. Everyone's like holding each other accountable.

56:12What are the minimum monthly payments on the 401ks total? Oh, my bad. It's okay. A little bit of a squirrel moment. We went down rabbit hole. So they're all relatively small, and they come out of my paycheck, so I don't even see the payments. they come out of your paychecks then never mind i'm not counting them because we're i'm trying i'm we're gonna do your net okay we're budgeting off of that so and they're all under 20 as a viewer of my show i'm sure by now you have a good understanding of not only how important it is to take care of your finances but also how important it is to take care of your financial future the sponsor of today's video is muumuu which also happens to be my go-to investment app They're currently offering lots of amazing ways to more effectively take care of your financial future through smart investing.

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57:34And don't worry, if you're feeling overwhelmed, you have access to a community of over 20 million users globally. Plus, you can stay updated with their 24-7 news updates. Don't wait until it's too late to get these incredible sign-up offers. Click the link in my description box below to switch to Moo Moo today and unlock all the tools you need to secure your financial future. How much do you spend on gas a month? Probably like when I'm just in the city, just 120. Normally, just on average. It's because sometimes I drive to Colorado and that throws off my budget. On average, on a monthly basis, how much?

58:12Average it out. Probably$150. Okay. What's the new car insurance going to be? It should be$128 and then that's bare minimum insurance. Okay. Okay. Tell people, finally, this is anything else you need to survive in life. $100. Going to the grocery store. Buying food to eat. $300. Decal medication. huh no no no okay not yet that's in medical so medical give me your medical expenses on a monthly basis this includes therapy because you should be going to therapy to be clear well we already determined that i'm trying to find a cheaper therapist but with the current cost after insurance my therapist is 190 i go once a week and then medication's 80 about some online stuff where well that's this is telehealth and stuff like that too like yeah it's a specialist she's a specialist for my condition okay so how much what are we going to budget for that plus medications i just need a number you're going to do this more concrete anyway but i need a number um i'm on the wait list to go back with a student so that should put it back down to 80 a month and then if i need the specialist 190 and then medications 80 jeez yeah and all these numbers changes when you lose your job by quitting your job which and that's where i'm at i was like i want to quit my job but it's like i'm subscriptions are done no more what's your rent currently it's going to be base 830 water gas electric about 70 for water and trash and then electric is um between 80 up to 120 depending on the winter call it 100 internet paid for by the company but it's 40 that comes out of my account okay but they reimburse me oh because i work from home all right here debt minimum of the payments let's get that yeah watching you type isn't a isn't the most comfy feeling right now you should have done this multiple times before coming out in here and you'd be in a completely different spot but let that be a lesson to everyone else is watching because you can't go back okay$979.97 that's insane i didn't think it was that bad i have to find around how you didn't but okie okie because it's all automated i don't even look at it it's a lot of putting your whole head in the ground hiding from it so let's get your minimum monthly expenses anything else that you need to survive that i have not incorporated into of this no i i use my main job wait did i see jim but that's also from it can be reimbursed i just have to send statements and it's only 35 and that's send the statements okay okay so minimum in order to survive is 2 ,967.97 cents oh and food for patches how much that's about 40 i get the big bag i'm also throwing in pet insurance so let's call it 60 60 for dog do it it has saved me thousands it will save you i feel like i've looked into before and it's not that cheap so who do you partner with well i don't have a partner for this one but i use uh maybe it is more expensive i i i looked at pet best because my company owns pets best okay i do lemonade mine might be 40 40 and that's for let's call it 80 total for a dog hi buddy i'm gonna give him i'm gonna give her a pep well hopefully they don't quote too high because my other dog is older and one might be more difficult but let's at least get the younger one on so they can be on something okay so plus 80 for that brings us to now 3047.97 been since she's farted on me a couple times but she is very cute down there at least your feet are warm i know i enjoyed giving her pets before we filmed and many pets after i'm working on getting the paperwork for her to be like proper kind of support animal but my she seems like it she's so freaking chill you should meet my other dog who's my actual support animal it's more chill wow way chiller wow that's wild i didn't know that's a thing yeah but he's old he's my he's my little man do you want to see a picture uh sure yeah but he's he's kind of expensive because he's old how old he's gonna be 12 this year oh yeah kind of dog he is a pit bull mix staff share share oh he's just a baby it's just a boy but my ex took him so oh we're fighting in court for the dog yeah i would too i would do anything for mine okay yeah i could go south dakota next week for court essentially getting about 3 000 bucks so you're like breaking even that's where you said it's going up it's going up because we just got so what do you think it's going to go up to net like 3 200 3 300 3 100 so it's three percent off of my new base and then the 10 differential so it's like i'm making like 25 50 an hour for how many hours i work 40s and then sometimes i'll do over time and then i have a second job how much do you think it's gonna be net i've tried to ask that a couple times what do you think is going to be net because you have a lot about three take advantage of about three so it's about the same yeah it's about that because a lot comes out for insurance a lot comes out for the 401k i have bad news you need 3 000 to survive so unfortunately we've dealt with this on a few episodes now it's like i mathematically there's nothing i can do here like if your income is what you need to survive and that's you living in a minimum and you're not living in a minimum right now you are going out it's not a crazy amount but you can't afford it and then you're like a penny you can't afford it i'm getting heartburn and sweating from this mess this is a big one yeah i had to bring a small tree to get all these statements i would certainly be working as much overtime as possible anything that's available now again this is going to be a mental health thing and you need to talk to your uh mental health professional about this but what i'm saying from a financial point and then changes based on mental health stay there as long as you can in this job and then we move back when things are financially secure i don't want you to walk away from this you sign the contracts let's be an adult let's pay for it and i know you can do it pick up as much overtime as you can now what sucks i did recently start a second job really yes how much so you bring it in 14 an hour but it's not a lot of hours how many hours it's about six a week doing weekends and then um once in a while I'll do like DoorDash and stuff in like the city.

1:04:55Now that I live in a bigger city. Yeah. But it's not a whole lot. Well, let's just go off of that. Yeah. It's going to be an extra about, well, yeah, net maybe 300. Yeah. For tax. 300, 275. That can help start moving the needle. But again, for let's minus the car from the total debt. but on just about what does this give you let's say you put the extra 275 towards it on a monthly basis takes 54 months four and a half years that's i don't want you to wait that long to move home so it's clear as we just you need to work as much overtime as possible if that second job is not giving you enough hours we're getting a different second job the uber eats it's going to be dependent on the area or door dash well i got that job because it has benefits that i don't have to pay for the gym anymore because i get a free membership so well okay well i'm sorry but saving 13 a month is not going to be the make or break whereas if you go make hundreds of dollars more a month somewhere else it's going to be much more worth it i guess what's bigger hundreds of thousands of dollars obviously yeah but i'm just saying it's like just trying to find a job that doesn't interfere with my job is a big yes absolutely of course this is going to take work i'm not saying this is the easiest thing in the world but if you if you only do what you're doing now it's gonna take five and a half years and i don't think that's an option for you yeah with mental health i do not think so so what you have to do have to do as just a responsible adult i'm sorry that you're in this situation but you are hopefully some things with the court you know that helps but you know regardless of all that what you have his exactly but what you have to do regardless is you're going to need to bring in about an extra 500 hours a month minimum that will at least bring this closer to like three years you know if we can get even like an extra$1 ,000 a month, which might be, you might be looking at, I'm working like 70 hours a week.

1:06:46This sucks. I have no life. That's okay. I would rather you have no life for two years and have an amazing rest of your life because you have so much life to live. But if you keep kicking the can down the road and you don't sacrifice now, it's going to be long. It's going to be painful. It's going to be stressful. It's going to be bad for your mental health. You're never going to have enough money to retire and it's going to would just be bad and that's not what i want you to do so right now sacrifice is the name of the game for you and by that i mean not only cutting back on your expenses but work as many hours as you can at any amount of jobs doordash and uber eats you're gonna i know people here who have made a ton of money and i know people here who make no money you got to figure out if it's mathematically worth it after all expenses and maintenance and gas and all that if it's not we're trying to do something else at a coffee shop for example uh here at tesla i can't speak about your town, but they're like, they're like begging, begging at the Cybertruck plant, begging, begging, like 23 bucks an hour.

1:07:44Like they'll accept anyone off the street. They're like, please, we need people. Like there are opportunities, not luxurious, not great, but guess what? They will get you out of this situation. And if you can get out of this in a couple of years, you have so many decades left, so many decades left of an amazing life. So that is your choice going forward on the mental health side. You need to talk to a mental health professional about that i can't do anything but the finances a lot of that from our end it's your choice hammer financial score uh let's let's do it real quick i i'm guessing it's a zero but i mean let's think let's think spending for actually spending in a budget you shouldn't be overspending your budget but what your percentages were in terms of your food i'll actually give you a more generous two out of ten unfortunately that's generous but debt you're not missing your payments you're in collections you are taking on a 401k and one out of 10 emergency fund there's nothing there we trained at zero 10 retirement there is there but you borrowed against half of it but it's gonna vest and then it's gonna be double because it's like well even still we are borrowing against it so i am gonna have to lower for that for your age i'm gonna give it a three out of 10 real estate not there and don't get there yet trust me you're gonna yourself if you do zero out of 10 i mean just look you're breaking even right now with a low rent so a mortgage does not make sense hammer financial score 1.5 out of 10 make sure to check out all the resources linked in the description below they are what i use or would use in specific situations including the best budgeting program in the history of the internet thanks to all of our patreon producers for making this episode possible if you want to participate in an episode of financial audit and you're able to make it to austin texas please fill out an application in the survey linked in the description below you can also send a link to your friends or family who you think might be good to be on the show.

1:09:31If you have any questions, you can email casting at calebhammer.com.