I’m Done With Financial Audit

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0:31Hi, my name is Lydia. I'm 30 years old. I'm from Biloxi, Mississippi, and this is Financial Audit. Hey, wow. Thanks for coming down from Mississippi. What do you do there for a living? So I'm currently unemployed, but I will be moving. That's not true. That's not true. That's not true. I'm fixing this for the audience. I know what you think. She just got her job. She just got her job. I did just get a job, but I just haven't started it yet. I haven't started it yet. She's getting her job. She has an income. I do have an income. For f*** sake. I am. I do. What is the job you're going to? It's going to be doing logistics for private sector for the DOD.

1:08Oh, okay. So. What does that entail? It'll be like pretty much doing ordering like an arms dealer for the military essentially. Oh, wow. Okay. Sure. Things I can't say online. Gotcha. And how much are you going to be making in this position? 61. Okay. Wow. Very cool. which is a pretty good raise from what i was making what were you making um i was making 48 and then a new company took over bumped me down to 42 okay i got riffed from my last job yeah um which is how long have you been unemployed now since uh probably about a month yeah and you get a job when uh i'm supposed to be starting at the end of this month so good hopefully you're supposed to be is there skepticism around it well i'm trying to move so i'm trying to figure out To where from Biloxi?

1:59To Huntsville, Alabama. Is it close? Six hours. So, no. Yes. Is that where work is? Yes. Then you have to move. Yeah, no, I'm going to move. I just, my lease doesn't end until Sunday. So I'll be in there. What Sunday? This Sunday? Yeah. And you don't have where you're going next figured out? I do, but they're taking forever. What is the issue? They're taking so long to get back to me. I've been like asking I've been calling them asking them emailing them they just about what gets back to you and about what I don't know like I'm I've had to sign like 10 papers like rent verification and blah blah blah and they're just like and I'm like hey I need to find a place to live because I have to start my job so please let me just move I don't understand what are you waiting for um are you did you have you signed a lease no I haven't okay you haven't signed a lease So you're still going through the application.

2:52Yes. So you don't even know if you're approved. No, I don't know yet. And as of this Sunday, you will have no place to live. Well, I have a place to fall back on. I just want my mom's. And where is she? Is she in the right place or the wrong place? She's in the wrong place. So I would have to like push back starting if I was to have to like not have a place. You can't though. I know I can't. You can't. I know. That's not an option. Get an Airbnb. I could. Yeah. so i was thinking about doing that she got excited yeah so i do want to do the airbnb or like one of those micro tell things where you like live weekly sure but i'm also just trying to like strong arm my way into that apartment you should but sunday come on yeah six days from now is that real wrong with that um i mean i really don't have any other choice i can't extend my lease i can't go i think the other choice are the ones we literally just said yeah the ones we literally just said perhaps yeah but i don't have i don't have a way to secure housing up there like i don't have the money for an airbnb or or a hotel or anything how much is in your checking account right now um how much isn't is the bigger question i know how much is in your checking account right I have negative money in my checking account at the moment.

4:14So, yeah. I guess that you're unemployed, but why is there negative money? Because I've still had bills to pay. No, no, no. I get that part. I get that part. You got laid off, right? I did. Did you file for unemployment? I did, but I'm being investigated. So, yeah. For what? Well, I don't know. Oh, come on. how does he not know anything um i asked so i asked who what asked who what when where why what are you talking about i called the unemployment office i said okay they're investigating you yes so my one of my old jobs was like not agreeing to the terms that i was not employed there anymore so again again what yeah no what they're not agreeing to the terms that you're not working there anymore yeah even though i put my two weeks in they are claiming that you work there yes but i will say i just got um yes what was it why do you gotta we're filming this on a monday why do you gotta bring this this kind of mess into okay okay yes it's the mondays but i did get good news that they took me out of investigation i got approved for unemployment I'm just waiting for the debit card to come in which is should be this week sometime you're negative so you didn't have an emergency fund and not having an emergency fund is an emergency fun fact you are proof of that okay I know you came here with a boyfriend he couldn't help he's not fallbackable not that I want you to milk him or anything but he's not fallbackable he is not fallbackable I've been wait why is that one to help he no I mean like so yes and no he has been going through school and I've been supporting us oh you're support oh yes so I've had like two or three jobs if you want 40 wait yeah no no no speaking of which what okay I get you're trying to file for unemployment and everything in here but you're getting investigated if you're literally in the point where you're getting negative on checking account because you're dying because you're dying because you don't have any money why not go drop some mcfries for a minimum hour a week necessary to at least make your bills flat um well i was working also you spent 601 dollars going out to eat so i no longer have sympathy that you're negative in checking accounts not only for bills you you went out and ate haha yes that's funny we can't afford to survive nothing more comedic than that well okay what but was it actually like yes how but like what was it spent on because some of the statements but they are fast food places okay i can i can or restaurants i mean possibly but i feel like some of those may have not been like what the food how what are you talking about i have$601.50 actually grocery is$173 okay well i mean what I just really don't understand I don't think I spent$600 going out There's no way How's this a think I think What do you mean That's not how this works We also had miscellaneous bullshit $999.06 Again we're gonna go through that Also I just You just got fact checked by the way by the producers 15 different restaurants Oh But like what restaurants because i don't feel like that's real statements okay but i will say i'm also paying for two people well no no no no no no no stop stop for a second stop for a second let's try to use our the wrinkliness in our brain for just a single moment why the are you even just paying for yourself going out to eat but then again another person if we're negative in our checking account i'm gonna hit you with a little fun fact a little just a little morsel of fun fact a thousand dollars in overdraft fees this year so far in one account one account you do not get to go out to eat you do not get to go take your friend out to eat you are overdrafting and you're negative as of now i didn't know you were negative as of now i knew you were overdrafting so i wouldn't have been surprised but i didn't know you were negative as of now i thought i saw a balance in there as I was going through these before.

8:42Apparently not. So, in what world do you think you're entitled to go out to eat or take him? In what world does he think you should be taking him out to eat? What the f*** is that delusion that he has? I think it's just because... He's too much of a f*** to come on camera and talk, by the way. Well, I think that I'm also just lazy and I don't want... After I've worked two, three jobs in a day, I don't want to like... Girl, you work zero jobs right now. What the f*** are you talking about? Okay, now... I'm only talking about right now. I know. This is right now. I'm only looking at right now. I know, but if you think about it, I'm spending how I used to spend when I was making money.

9:19So I'm like, you know what I mean? Yeah, so usually when you're not making money, you don't spend what you used to do when you make money. I know. What? What are you talking about? You can't just, like, take yourself out of that. Yes, you can't. What are you talking about? I mean. What are you, like, a literal baby? Are you, like, a child that cannot survive without the milk of tea? Well, I mean, I just think that I'm very, very set in my ways on how I spend my money. I have concepts of a budget in my head. So I think, OK, well, I can spend what I can. You have concept of a budget? Concepts of a budget.

10:02All right. All right. OK. But honestly, I really don't feel like that's that valid of there's no way I spent that much money. Like, it really doesn't feel realistic. What do I even do with that? That's not a point that I can even have a conversation with. You can't agree on basic f***ing reality.

10:26Obviously, we did have your last payroll hit. Did you get severance? No. Okay, we had your last payroll hit. 3 ,834 total for the month that's not absolutely bad yeah then you know on a plate for a second as you're waiting for your new job okay so how much did you spend in that month then in the most recent month probably 4 ,000 maybe more maybe less i feel like it was probably about 4 ,000 because i do know approximately how much i spend a month approximately four yeah yeah 5 ,592 what the f*** are you talking about you don't know anything you don't know approximate you've never heard of the word approximate approximate is the planet you f***ing came from well I well okay so was it all on just like bulls*** girl this is just the number that was spent for f***s sake here's your little breakdown I already told you how much went to food but you're like no that's not food that's not food 10 % by the way went to Eden out But guess what You're right if it was just If you spent the amount that was your income But reminder You spent what 20 % more than you made Yeah but 10 % 10 % up 20 % more than you made So of your Actual income I mean I can do the math Also if you're negative in your chicken account yes 10 % is bad Like in what world Do you live in where that's not considered bad are you again i don't know that just seems so childish i don't want to just like actually insult you to insult you but that is literally like the action of a child of your income you spent 16 16 on going out to eat okay well negative in our checking account so you like you you is the only reasonable response it really is yeah well i think that oh boy let's hear what you think it's the convenience of it to be honest yes i know why i know why no one's disputing the why because you're a lazy i know why huh taco tuesdays yeah taco make a taco i know you're white but you can do it i believe in it like white people tacos aren't good yeah learn then huh google a recipe that's free yeah well for sake self-assess where do you think you are in the world of finances zero out of 10 where do you think you are 10 being the absolute best zero being the absolute worst where do you think you are i'm gonna be a little generous with myself why why be well before you say it why be generous with yourself because i really okay i do think i have an idea of how money works i'm just bad with it so but where do you think your finances are not where your mentality is where do you think your literal finances are right now zero yes maybe one A reasonable answer.

13:25Thank you, negative checking in an account. Absolutely. Maybe a one. Okay. Even still, potentially reasonable. If you want your Hammer Financial Score, it's free. Link in the description below. Check it out. It's fun. You can see where you are and see where you need to improve your life. And if you want to come on this show, by the way, and you are at least willing to accept that you spent$600 going out to eat when I literally have it in front of me, go to Calebhammer.com slash apply we'd be happy to have you here in Austin, Texas I got to start this because this is a pretty thick stack we had fat stack week here at Financial Audit it was very fun and ever since then we've had like three weeks of kind of like thinner stacks but we're back to kind of a pretty damn fat stack which is not good news for you well that's why I'm here, right?

14:14let's get into it

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15:30So if you're ready to make investing part of your monthly budgeting routine, scan the QR code or head to the link in the description. A little consistency now can go a long way towards securing your financial future. Don't miss out on Moomoo's sign-up bonuses either. Head to the link below or scan the QR code on screen to get started today. um lindsay i'm genuinely curious do you go in there into the green room and like be like excuse me i get paid every time you guys say and that's why i'm here you tell them to say that because i'm gonna kill myself i will tell them not to say it please tell them not to say it because i'm gonna die or i'm gonna shank you i'm gonna shank your boyfriend as well i'm gonna make sure your tires are slashed no i literally just had to get new tires like i literally just had to get new tires i'm still paying them off i don't even pay them off well i mean okay and and i just got um a tire that was had a hole in it so i didn't get that repaired like friday thursday thursday but i bought the warranty so that was free but i had to pay for the the toe to come change my tire because i didn't have the equipment to change my own tire so i was yeah it's a good joke it was a hundred dollars but it would have been free would have been free but it wasn't done all right capital one savior one oh yeah oh happy monday ladies and gentlemen i wonder if is getting uploaded on Monday.

17:04We'll see. Alright, you got $2 ,334.18 over down here. Not a good balance for unemployed, but, you know, relatively manageable balance for someone who's about to make a good amount of money. Especially Mississippi, not one of the higher cost states to live in. So,$61 ,000, do you feel like you're going to stretch that pretty decently? Well, probably not you, but the average person? I'm hoping to stretch it pretty decently. What, helping your boyfriend no actually he has a job now is he gonna move with you he is if he if he then you can fall back on him he but he just got like he hasn't even gotten paid yet like he just got it what he's doing a paid internship um for okay how much is he making 16 an hour 40 hours 40 hours oh okay so it's really not bad and it's it's six months six to nine months just depends on well with a relatively good career track at that company if he sticks around yeah you're gonna be able to move with you?

18:01Four hours away is a long time. Six hours away, but yeah, he's wanting to move. Once the internship ends, they have, it's a bank, so they have branches in other areas, so. And then on this card, we have a minimum monthly payment of 80 bucks. These minimum monthly payments are gonna stack. Yeah. Yeah, but. Oh my f***. You creature. I guess it makes sense if you refuse to stop spending and you didn't make anything during this last month, you put the minimum towards it, which was$59 at that time. Wonderful. But you purchased$330, which doesn't make sense. You're just, you're literally hurting yourself.

18:40You're pushing it to the limit, to the actual limit. And then there's$57 and eight cents. So my favorite question to ask is, why the are you spending on a credit card that you can't pay off and it's accruing interest? I'm actually not sure what I spent on that card. Oh, come on. No, I'm like being real. I really have no idea what I spent on that card. You better be. No, I get it. Cool. Congratulations. But why are you spending on a credit card that you cannot pay off that is a Korean interest? Well, because I know I can pay it off in the future. And all I have to do is make - No, the future is now when you're not paying it off.

19:11So, what do you mean? You probably said that in the past. It didn't take you a date. Well, you could have. But it probably took a little bit of time to build up the$2 ,000 balance that was there before the now$2 ,334 balance. So, you probably told yourself that your future self would take care of it. Guess what? Your future self got unemployed. and then you didn't have an emergency fund because you weren't acting like an adult while you were making money. And now you have to move and you can't afford to move and then your future self is just playing catch up, catch up, catch up. I'm almost pretty sure that I spent that after I was unemployed.

19:41Yes. Yes, we have your most recent statements. I know. But I knew I was going to have another job. So I felt like it was okay. No, no, no, no. You had this previous balance, the previous balance, while you had the other job. the other job so this isn't working that logic is not filling you had another job you had income but you were not paying it off so that's not how it works you're not just paying it off when you get another job because you weren't paying it off when you had a previous job so what are you talking about in what world does that logic apply no you're allowing yourself to bull yourself you're excusing yourself to spend money I mean I think what I spend is justified justified you don't even know what you spent on and you're saying it's justified Well, yeah, because if I spent the money, I think that's justified.

20:30Or I wouldn't spend the money. But you don't even know. Yeah, but I wouldn't spend the money if I didn't know what it was. You know what I'm saying? Like, I wouldn't. If it wasn't justified, I wouldn't spend it. But, like, spending it. So, obviously, I spent it for a reason. This world is insane. Do you realize what you are saying? Yeah. Oh, f*** me. That's not funny. I'm just laughing out of just like, like what the I mean, I, okay. I understand that I probably shouldn't spin when I don't have a job, but I knew that it was like, I knew that. No, you can't laugh with me. You don't know why I'm laughing.

21:10I am laughing at you. That is so delusional. Yeah. But I've, that's just how I've always been. I really like, that's just me. So I know. Okay. Yeah. I made a lot of mistakes too. so I can just say forever, yeah, this is how I am and f***ing around my entire life. What do you mean? You're never going to change? You're never going to try to better yourself? How long have you been with your boyfriend? Seven and a half years. Okay, that's a decent amount of time. Something tells me we might be together for a bit, meaning maybe marriage is in the future. Possibly. Meaning you're going to destroy him because you refuse to make any change or progress or maturity in your life.

21:45You're 30. Congratulations, you're no longer 20. I'm old. You cannot make these mistakes like you have been doing and you certainly cannot make the excuse of this is just how i've been yeah but i've always had a terrible time with money i know but i'm just like shut your face for a second i shut i literally just told you why i don't give a about the i used to or this is how i am i know i don't care and then you immediately go back to that after nodding your head yeah but i'm so cool like obviously here to change those no that's not but i've had those habits for so long it's so hard to like get out of that because i've been here before like i've done okay i've i've racked up i've paid it off i've racked up i pay it off i rack up and you're just it's a vicious cycle i can't like i i'm not breaking so okay why do you think you haven't broken it i to be honest i just think i feel like i want it so like if i want it i'll get it like i don't have any way to i don't tell myself no yeah i just don't that's the cycle not even addictive things or coping or anything it's just like i want so i get pretty much i mean so like do you want to retire yeah but i want to get a home how much is in your retirement 25 000 okay you're behind for retirement yes but i took out a home with a boyfriend future husband possibly i do want a home okay maybe not with him well no like i do want one with him as well i just don't want to get married being in the financial situation that we're in okay so you want to change it yeah but you want that what i want more at the when i'm when I'm doing the purchase yes like I don't think about the future I just think like oh my god I just I like the way that looks I want to get it I don't know about the repercussions I just do it yeah so I could see that yeah that's really really bad time of like that like FOMO feeling I don't want to like miss out on stuff you know what this means though what this actually means for you is okay maybe that is you and we just have to accept that part but you can't have access to credit cards then because that is the most dangerous mindset to have when you are given unlimited money pieces of plastic you can spend infinite and then you can't you just self-confess it'll go down then it goes up and it'll go down then it goes up you are not a credit card person you need to use like a debit card that builds credit like the fizz card do that i recommend it to all the guests unless they're really bad but i think you with at least your understanding or in desire to get out of it you could use a resource like that

24:41man you're just not a credit card you can't have access to credit cards you're gonna credit but you need to close the account you know what the thing is i paid off i paid off my credit cards and i cut them up like physically cut them up when how many all them before i got laid off yeah oh you didn't build all these up since you got laid off two weeks ago a month ago Okay a month ago You did not build up literal tens of thousands Well I did I took a loan to pay them off I don't know how much I actually racked up Are you saying when you paid them down You took a loan You didn't pay them down lady You didn't pay them down You just moved the debt somewhere else And then you built them right And then you And then you built them right back up again If we met If I met with you before that I would have said do not do the consolidation because the consolidation is great for a lot of people But not until you build the discipline that is necessary to actually get out of debt Because then you will have proven to yourself that you will not get into it again You don't actually pay off any cards you moved it and because you didn't address any of your actual behavioral problems or Understanding of what a credit card is you just built them all the way back up again.

25:59You yourself We should have met a month ago But I took that loan out Before I knew I was getting laid off So it all kind of like That doesn't matter regardless You wouldn't have changed your behavior if you weren't laid off Well no that's what I was saying I obviously didn't change because I cut up my cards physically But then I used my Digital cards And people wonder why I say Close the account sometimes instead of just cutting them up That's why everything's digital now For f*** sake close the account log in call them close the account you cannot have access to these you cannot you are irresponsible you speak like a child you do not understand anything about money you have no respect for debt you have no respect for debt you cannot have access to it okay okay it saves you it saves you and it saves your future relationship it saves the goals that you have yeah and i do i have goals and that's why i like i feel like what are some of the goals i want to buy a home i want to be financed i don't want to like worry about have how much i have in my bank account anymore like i want a stress-free life like i don't want to have that i wake up and think about it because you have nothing yeah well negative nothing but yeah i just like i don't want to like go through and be like oh i have to buy gas like I wonder if it's going to overdraft my account.

27:22I don't want to feel like that anymore. You don't look? Sometimes I look. And we're bouncing? Well, sometimes. I don't know. If we're overdrafting a thousand times in a year, looking should be a basic minimum requirement for you. I mean, okay. So with retirement, aspects of retirement, I do want to retire. And I do. And I look at my retirement account. But the reason why it's so low is because when I was in my previous debt situation, when I was in my early 20s,

27:56I closed out my 401k and used that to... No! I just closed it out, though. I didn't take a loan on it. I just took the money, and then I had to pay a ton of taxes. That's probably worse than taking a loan on it. But ever since then, I don't touch that because I know that's... When did you take it out? how much was it how much did you drain from your 401k i don't know bingo here we go that was a long time ago it was like 10 years ago at least so i was probably 20 yeah yeah how much money did you have in your 401k at 20 um probably like 10 thousand yeah it was dumb that's incredible that 10 000 would have been like what uh 25 000 by now yeah your retirement would have been double double yeah but you'd actually been on track for where I wanted you.

28:45Actually, for your previous income, you would have been right on track for retirement. You're halfway there now, but you would have been right on track. And you mean previous? Are you saying you paid off debt previously before the consolidation as well? Oh, yeah. I've had a few like consolidation loans before. How many times have we been through this process in your life? At least three that I remember. What is different this time? What the I know we're talking, but what is actually different? Because we can go through this whole thing, but. I know, but I feel like I feel like I've made like I have.

29:20Okay, maybe it doesn't reflect that I've made the changes, but I've made the changes. Like, I feel like I'm ready to like. Girl, you know, you're negative in your checking account. You're spending$600 in a single month when you're on a plane making no money going out to eat. What the are you talking about? This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money.

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30:34and finally you can too at a more affordable price head to calebhammer.com or click the link in the description below you will not regret this i mean in no world is there change in here unless change for the worse when you put it that way it doesn't sound as good yeah when i reflect the reality of existence in my head it sounds good about your head i give a about what you do yeah what yeah but like that's why i'm here is to change that right if i walk by someone in my head i'm thinking oh this person looks nice let's just keep walking by them but in person i punch him in the face i still punch him in the face even if in my head i was doing something nice so i don't give a about what's in your head i give a about what you actually do yeah i think i just you want to know what you spent in this account it was probably necessary right because you know you were just saving you're just surviving spending to survive right simply sweet something there oh wait i do know what that was for uh-huh it was a hotel i went up to the job fair to get my job that i'm going down that's okay cracker barrel okay well i was traveling i was hungry and their biscuits are good huh that's a six hour old sandwich pack some crackers you know don't pack a thermos are you like stupid well what are you doing do you not know technology that has existed for the last 50 years but they're like biscuits are good yeah their biscuits are good not having negative balance in your checking account is also pretty good being able to have the adequate amount to retire is also pretty good being able to afford a down payment on a house is also pretty good having a credit card that we can pay off is also pretty good there's a lot of things are pretty good all that stuff is sticking around these biscuits they're sticking no that's been pushed out months weeks ago yeah okay and then brick and spoon we really needed to spend 95 dollars at brick and spoon yeah that was um a like birthday brunch for my boyfriend's mom happy birthday boyfriend's mom let's have boyfriend pay for it like a big boy that was also us like we hey hey hey hey hey hey you have negative money in your checking account it doesn't matter what you were about to say i don't care i don't care i but well well you're gonna well me from that I'm just saying it's justified that's why I'm thinking but it is literally not hey you have paid a thousand dollars to the bank for not having enough money in this year in one checking account and you say this is justified you don't know what justified is yeah they're like overdraft fees are expensive though they're like$35 each time it's a lot that's your take away from this girl you're a literal please never have a child oh no i don't plan on that it's not yeah unless you become more mature at some point no well i like my freedom i like being able to do stuff well you're certainly utilizing the freedom to get yeah i like going places and eating things i know obviously look at both of us yeah we eat okay i don't know how you're I guess you're Cope laughing your way through this You just sound delusional Oh good You've had fees this year Meaning you probably missed the payment Or you were late on a payment At some point this year Because that is a missed payment fee If I've ever seen one Also$605 interest on one of many credit cards We are going to go through My interest is pretty bad Yet you are still spending on it more And bringing up the balance more Making the interest even more No you don't get to have Yeah the interest is pretty bad You're making it bad You are doing this Well what?

34:16I mean yes You can't well me Well what? I've asked them to lower the interest Why would they? They don't owe you that You're not entitled to that They're a business And you're making them money You're being stupid And being taken advantage of And that is your fault Well I think that I don't trust anything you think I understand my spending is bad No you don't You didn't know how much you were You didn't know what you spent on this card And you didn't You refused to accept the$600 you spent going out to eat when one of those purchases was nearly$100. So, f*** you. You don't know anything, but go ahead.

34:48Well, okay, so I didn't know that that was like all-encompassing. I thought it was maybe just my checking account, but I didn't realize it was all of my accounts that I spent that much money on. What were you saying? I don't remember. I don't remember. Blue. The color of my face after this conversation. It's my favorite color. Must be because you love giving them a lot of money They're my lower interest rate though They're my lowest interest rate You know that doesn't even matter Because you're literally above the credit limit on this card Are you kidding me? We're two cards in and we're already talking about that F*** me dude Yeah The last card was disastrous It doesn't matter you're over the f*** You're under the limit in You're right You wouldn't have any sense of understanding about that you're okay with being under your limit minimum limit in a debit account why would you care about being over a credit limit on a credit card why would you I don't even know you are in such a different world and reality than the rest of us I don't know how to make this seem like it matters you don't even realize what's happening me blue yeah$1 ,009 $1 ,023 fun fact credit limit thousand that means you're over yeah that was probably just like the interest though that put it over whatever puts it over doesn't matter if you put it at the max and then you don't make a payment and then the interest hits it goes over okay listen if you put it hey listen if you put it towards the max and you make your minimum fee payment it's never going to go over because your interest is$9.41 three cents but but if you're not spending money your minimum fee payment of$20 is going to make it go down even if slow even if only ten dollars so no that's not exactly what i put it over you spent three hundred five dollars three hundred five dollars you pushed it to the actual huh huh what you don't know what you spent on this card either do you don't know what you spent anywhere on anything girl this was literally a couple weeks ago yeah no i don't know anything about your life i really don't like keep track of So I don't really Oh my This world Yeah I'm just so used to like This world The people Sliding my card No offense But this is just like I just slide my card And I'm like I know how Credit cards work Okay I just like Don't think about it Like I just I know Like I know That I'm gonna have the payment So I just Spend it But sometimes you don't have money In your checking account And then the payments are due Yeah As in, you had a late fee on that last credit card.

37:29Did I? Within the year. Oh, okay. Probably. No, you don't even care. No, I mean, like, I do care. I do care. I mean, I'd rather not pay a fee. But if it happened, it happened. I mean. What do I do with that? I mean, what am I supposed to do? If it happened, it happened. I can't change it. I mean, I can change it technically in the future. but I can't go back and change it. That's not how that works. Unless I call them and ask. Oh, shut the fuck up. I didn't do that. I don't even know, man. Okay, but what was it on? Shut the fuck up. Kendall, McDonald's, went inside, got a drink from Circle K, Amazon, books a million.

38:14Also then some like PetSmart stuff and Walgreens stuff. Yeah. And then some gas as well. Yeah, so some necessities. Some. Some. Well, Walgreens you don't really know. Did you get$48 of medications? Yes, actually, yeah. That was, yeah. Okay. Yeah, so Walgreens was actually like f***ing me over because they were not charging my insurance. They were charging my GoodRx, and it was more expensive, and I didn't know until... Why didn't you give me your insurance? No, they had my insurance. They just weren't filing under it. And then I was like, okay, well, thanks. Y 'all have costed me a lot of money.

38:44Half the purchases on there were bulls***, so I have no sympathy. Well, I'm just... You were still choosing to spend all the extra money that was more than that. Yeah. I throw words from this conversation We're not even 40 minutes in It's gonna be a long one Quick silver one I swear if you're over the limit on this one I think I think I might be No I'm not sure what my limit is No you're not I don't know what my limit is Oh that's dangerous again It's just one of those things where look I know but I have three of them So I'm like look yeah just look once look I just try to avoid it because it's not working How but don't you get more stress the fact that you owe more money and extra fees and more interest What do you mean that would stress me out more?

39:37Yeah, I mean yeah, that is a lot of stress You gotta balance a$3 ,167.50 on here with a minimum monthly payment of$119.00. Kill me now sake oh fees this month this month fees 45 dollars of purchases great 39 dollars of fees and 85 cents of interest in fees i don't know what that's from you don't know anything about your own finances you don't so you trust me i'm not even gonna ask you i don't think you know what you spend you didn't know fees you don't know anything listen i just like everyone else i'm gonna put you through our budgeting class our debt class and our investing class so you can actually learn the skills and all these things i don't think you're gonna even go through them based on this conversation y 'all can go through them tens of thousands of people have changed their life you can it's all bundled together 25 off hey hey i am pitching right now come on don't interrupt the pitch what i will go through them please do because you actually get them because okay because i actually did the dave ramsey thing i was doing like i did the snowball and it didn't really work but hold on hold on i'm going to interrupt you this might be a very interrupt you episode i apologize if it is but i also don't really give a fuck so never mind i don't but the thing is what do you mean it didn't really work because that's not how that works it didn't really work the way you're going about it probably yeah what do you mean it didn't really work what's didn't really work do you even know what snowball is what didn't work let it tell me yeah so i would like pay them off and pay what off Some of the stuff I like paid off and kept paid off No no no no no no What is snowball?

41:15Oh so where you take like your Lowest balance And you pay that off and then whatever your minimum Monthly and then you add that to like the next And then you like snowball that And I know that So what went wrong what didn't work I spent I just like I spent That isn't of the fault of The snowball Or avalanche or whatever method for me no it didn't work for you because you're a child and you have no discipline you don't have a budget because you can't stick to anything to save your life what does the future hold for business ask nine experts and you'll get 10 different answers is inflation going up or down will rates keep getting cut and someone just create a business crystal ball so i know what's going on until then over 40 000 business owners have future-proofed their business with the sponsor of today's video net suite by oracle the number one cloud erp bringing accounting financial management, inventory, HR, all into one fluid platform.

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