Nasty Woman Deserves Jail Time | Financial Audit

35:10Every time I was trying to get them to come and fix it and everything, they just kind of refused to help me or gave me the runaround. And then summer happened and the roach situation was terrible. I'll say that. Doesn't sound good. So I just had to get out there. I had to get out of that apartment. Is this in Round Rock or Houston? This was actually in Wells Branch. Okay. South of Round Rock. Hold on. was it no um okay i toured that with a friend and they we uh

35:49we'll put this picture in the video we toured it was horrible it was an immediate no we were wondering why the prices were so cheap and now we know why and we were in their uh getting renovated leasing place and we were just kind of walking around when my friend was talking to the landlord there and or the leasing agent and we came across this piece of paper just on a pool table and it was all the units with roach issues that they had to solve and it was a list of units with roaches and yeah okay so you have okay well it's sewer so this is everything it's water sewer extra fees pet uh pest control sorry okay water damage did i see wait as soon as i'm on hard time right so they charged me for water damage but that was due to the ac being out and every time i tried to get them to come in and fix it nobody would come and like i said they would just kind of give me to run around over and over again so um yeah i had to get out of there and so you just left no i get i returned my keys back i asked you know what are my options they were i was told that either i could break the lease which was basically two months worth of rent plus an extra seventeen hundred dollars so it would have came out to about four or five thousand dollars um but after talking to the property manager i was able to find out that basically i can give my surrender my keys and they wouldn't necessarily charge me the next month's rent which is clearly on there So they didn't necessarily tell me the full truth.

37:27And I'm actually in a in a disputing that right now, actually. Disputing what? Some of the charges on there as far as. With who, though? With Jetty, which is like a they help you with your security deposit. It's a company that helps you with your security deposit here. I don't know Jetty here in Austin, here in Austin, because I originally wanted to go through Flex. They didn't offer Flex, so I just went ahead with Jetty and they helped me with my security deposit and they notified me saying that the apartments actually made a claim. However, the documentation that the apartments gave is actually$1 ,000 more than what the total is on there.

38:15Well, I see they got rid of a term termination fee and a rent fee, which brought it down by a thousand dollars.

38:28But so, no, I mean, honestly, no, I think if what you told me is the hundred percent truth, they actually technically did it. They didn't charge you for the rent. The rent was on here and then it was excused. Yeah. But you got an additional fee for a roulette team fee for not providing a 60 day notice, which they didn't say they wouldn't do in what you told me. So, but listen, they were probably being sneaky and dicky about it. But with what you told me, it sounds like they actually may have upheld it. Well, that's not the that documentation that you have is not what they gave Jetty. Why did they give Jetty?

39:07They gave Jetty the original one that has the relating fee on there. This has the relating fee on here. What is the total for that one? I'm sorry. Total is$1 ,214. But again, there is a rent on here, but they took the rent off as they told you they would. So again, they didn't say they wouldn't do a relating fee for you. They said they wouldn't make you have that extra month of rent, which they did take off of here. So based on what they told you, they actually did that. But then they went back on their word. No, no, no, no. Because the one that they gave the Jetty team is more than what that one is.

39:40What is it? 2 ,146? No, it's 3 ,177. Well, I have the ready things. Jetty. Jetty. I don't have that. Okay. So what can I say? I don't know. That's why I said I'm currently disputing that with Jetty. How long have you been doing this? Have I been doing what? This dispute. It just started because they just made a claim. So I want to say now since the beginning of August. I don't want it to go to collections. Last thing you want is this type of stuff on collections. It'll make it very hard to get a lease again. Synchrony Pink. Oh, well, Synchrony Pink also lowered your credit line. Correct. Okay, so that also.

40:23So maybe you did make more progress and they lowered the credit line. Okay, that was a little out of order. Okay. Toyota. That's what we already looked at. Now we're looking at your credit report. Again, you missed June's payment. That just happened. Yeah. So that's the one where I was telling you I was under the impression that I could just sign a form and, you know, give it back to them and they'll do a deferment. The lady on the phone didn't tell me that I needed to pay basically$200 for each deferment. So they. It shouldn't be deferring anyway. you make money well i wasn't making it right then and there you said you've been doing this for three months yeah that's true but i only get funny how that works i know right um i only get paid bi-weekly so at the time like everyone else in the entire world um no a lot of people get paid weekly and i've heard a lot of people get paid weekly weekly weekly okay if i'm not mistaken on this feel free to correct me weekly often is for like the lowest of income jobs to make it feel like they can pay bills not necessarily um maybe not necessarily but that's how uh some of my intro you know in grade school jobs were working yeah i don't know i've worked in the professional field at a few different companies uh i don't know anyone that's been paid weekly well i've had one person one person i think on the show that was in like an actual professional career that one person out of filming four to five a week that has been paid weekly either way whatever That's not a valid excuse, though.

41:59Most, the vast majority are paid biweekly or semi-monthly, which is twice a month. Well, I come from the security industry. The security industry, the security companies that I was working with, two to be exact, were paying weekly. Okay, but you're trying to say that because you're being paid biweekly is why you missed your car payment. Because everyone else is paid biweekly. I'm paying rent as well. Everyone else is paying rent as well. Yeah, yeah. What the f*** are you talking about? How are you trying to justify that? I'm not necessarily trying to justify it. Yeah, you are. I'm trying to explain more so of why it's late.

42:31I mean, it's late because they want it on a certain day. But you're trying to make it sound like it's late because of that. And, you know, it's okay that it's late because of that. No, it's not necessarily okay. Not that it's okay, but you're trying to justify it. Yeah. Okay. Well. But it's not. The day that I was paid was after, so the day that my car note was did. That's all I want to say. 63 % are paid either bi-weekly or semi-monthly which can vary on which days on particular days not semi-monthly semi-monthly is first and 15th usually yeah but we get paid on a bi-weekly basis so it changes every month depending on the month it could change on those days depending on the month you can actually make an extra paycheck two months a year correct but I haven't gotten to that point yet I can't believe you're trying to say that's you're trying to justify it okay that's crazy stop okay if you know if anyone does basic budgeting it doesn't matter if you're paid weekly bi-weekly semi-monthly it doesn't and then 31 are paid on a weekly basis which is actually more than i thought i will be honest yeah but it is still a vast small minority no yeah i and i definitely agree um it's just more so coming from getting paid on a weekly basis even when fedex i was getting paid every week so getting paid from a weekly basis and then moving over to a bi-weekly basis i wasn't necessarily it's wild i wasn't necessarily prepared for that okay what is this other toyota what do i have another oh wait sorry no what is uh sant santander consumer because that's huge at 32 000 23 547 what's this so i did help my mom get a car oh yeah you the person who's late on bills okay um well what do you mean help what's help what's help what's obviously it's in your yeah i put it in my name uh she's paying for it she has it but has she ever not given you the payment no she's every time she's been on time yes for how long she just got it um in july just yeah she's so far she's done it once great she's so far she's So she's made her payment one time.

44:45Yeah, she's never missed it. Twice. Okay, two times. Yeah, she's never missed it. The two times that she's... Me. Yeah. Why couldn't she get it? Because she has previous things on her credit. Oh, then I am so confident that she's going to pay you every time. Why would you do this to yourself? I understand wanting to do it for your mom. That's a good heart. But why would you do this to yourself? Because there was no other option, I felt like. I felt like I was gonna say there is plenty of other options but I feel like yeah because feeling is not an actual like logical thing so you're right you felt like it but obviously that's great

45:26what's her credit score I believe it's at a 480 oh what's yours 580 what's the interest rate of this 17 % and my credit only went down after of course adding that on there as well so it was at a 620 what is the payment on this 500

45:58she's made it for how much does she make what's her job she also works at FedEx she works in admin for FedEx and what does she make um she makes if I'm not mistaken at least$800 a week net or before taxes? 41 ,000 hours a year net. $600. $3 ,466 a month. So this is 14 % of her income. It's a lot. For just the car payment. She's made it for two months. Good for her. The moment she misses that, this is your credit. This is your credit. The moment that all the other things on our credit that are bad happen to the same thing. It's almost there's a reason why credit scores exist. Who would have thought?

46:50You're 17 percent, five hundred dollar payment. You have a four hundred fifteen dollar payment. You couldn't make a two hundred dollar emergency payment. You're at the time. I couldn't make that payment. Now I am in a position to make that pay. Are you? Are you? You missed your car payment a month ago. Yeah. Two months ago. than my previous payment, of course. You missed your payment two months ago, making the job that you have. This payment costs more. No, what you just said was blatantly incorrect. You could not afford it. Okay, so again, the balance on here is$23 ,000. Oh, so essentially what we need her to do is get funding in any way whatsoever, any way whatsoever, and buy the car from you yeah and anyway any kind of loan anything i don't even care i don't want her to be in bad debt at all but the fact is this is her car and it's under her daughter's name putting you at risk and the relationships can get really weird and really complicated really fast when things start going haywire on this and it's happened on the show many a times agreed she needs to take this over immediately it needs to get out of your name you need to run as far as you can.

48:03Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15 % discount and you get$100 in cash gifted to you right into your Moomoo account. There's honestly no time like the present to actually take control of your future don't wait don't let this opportunity pass you so she has to get funding her credits in the 400s so yeah what was the question um more so i was just asking are you like saying that she needs maybe like a personal loan or really anything again i don't want her to get into bad debt it's not that i just need you to get out and this is her responsibility so she essentially needs to receive funding in any way possible that's not like a payday loan obviously or like sharks but but yeah yeah but i took a personal loan for this and i highly doubt she would be qualified in any way for this kind of balance she might have to go to like a it's gonna be like a 25 26 maybe even close to 30 loan which again i don't want her to have but this is not your car should not be in your name it is her responsibility now to deal with whatever consequence if she wants to keep this or she just needs to sell it make up the difference and get a 10 000 car okay because this is ridiculous so she needs to do whatever it takes in personal responsibility you need to push her to do it and again that might also complicate the relationship but this is a very risky situation i agree in your specific mismanagement of money too terrifies me can i'm glad that you have a good job if i'm not mistaken i think hr not hr i do love hr does course careers have a certification hr now i want to say yes i have been looking into that just so I can kind of set myself up for success and kind of in the case.

49:55I'm happy to gift that to you through Course Cruise. I'm happy to do it if they have that. They have a lot of great certifications. This is a real good story about Bronx and his dad, Ryan. Real United Airlines customers. We were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew. A real united pilot. These small interactions can shape a kid's future. It felt like I was the captain.

50:26Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. Yeah, we'll do that for free. Because trust me, with this debt, you don't need to be spending money. Ed Financial. Wait, do you have a degree? No. Neither do I. I borrowed student loans. I'm one of the 40 % that borrow student loans but don't get a degree. It happens. um how much school did you go to um i did a semester at lamar university and then uh wait a second i'm sorry why do my producers right now want to ask you if you've paid your taxes in these last couple years um and i have a feeling i know the answer i haven't filed them you haven't even filed you haven't made much money you honestly may have received tax returns but i'm kind of you may have received money we're scared of what you haven't made money receive money that i won't receive money and i'll have to pay no no you're getting money the last time that i did file taxes i had i owed how much did you make that year um i'm not exactly certain are you on like affordable care act any plan related to that are you taking advantage of any social programs because that can affect your tax no um returns i can't honestly remember right now off the top of my head but um i was on how do you not okay i don't remember i'm sorry sorry oh then okay that's fine yeah it was it was a couple of years ago um but when i did go and file my tax return i was expecting to get something back and instead i owed fifteen hundred dollars so what was your job um i didn't even have a job that's the craziest part i was i was in college it was around 2019 2020 what are you talking about what income did you report then i just i gave them my um this documentation that the school gives you i can't remember what it's called it's like a 10 1099, not a 1099, 1098, I think.

52:27I gave them that. And even the little job, matter of fact, I did have a part-time job, but I wasn't making much. That's income. Are you kidding me? How are you not able to answer questions? I'm sorry, but that is still an income to report. I was asking you, what income did you report? That would be an income. I couldn't remember off the top of my head at that second. Because that was back five, six years ago. so yeah 1098 probably a 1098 t or a 1098 e student loan interest statement or tuition statement yes didn't have a mortgage interest statement so again i mean i'm not exactly sure what happened on why that allows you to claim deductions that would not have made you pay more in taxes well they tell me that i owe 1500 they know i get i get that i just i just started understanding This is no offense to you because it's okay that we don't know things.

53:24Like, I'm sure you're very smart in a lot of things. Okay. I just want to make that clear. Obviously, not in personal finance. And something tells me that you probably just did not file correctly. Or you're just not telling me something. No. Because if you only worked a small little part-time job for a couple months, the fact that you had a – Unless did you – when you filled out your W-2, did you not withhold any taxes? But still, even your workplace. No. I don't believe I did. and I don't doubt that I... If you had your withholdings at nothing, that would do it. But even still, with your income situation, your tax rate would have been so low, you must have made more than you thought if you had to pay$1 ,500 at the end of the year, especially with your student loan deduction.

54:03I don't think it was done correctly, to be honest with you. But then again, you were in school, so interest wasn't accruing anyway, so how much would have been deducted? Probably not much. Okay, how much do you have in student loans in total? I don't want to add up each of these individually. um no more than probably about five thousand dollars because i tried to go to school multiple times trying to you know bitter myself for what um three thousand nine hundred twenty six dollars does that sound right that sounds about right thank goodness for being able to employ people to do math because i did not want to add that up three thousand nine hundred twenty six dollars are you making payments on these i'm not at the moment go on why um just because are you in a plan are they deferred or are you just not paying um well at the time when i was about to start paying they were talking about um that's when biden got in office and they were saying that they were gonna okay we're going back two years ago okay yeah so they were saying that's been over for a year now yeah but then i got another email saying that we're looking up you know you can possibly get it um if it basically if it was under a certain amount it will be forgiven that's what i got the call saying are they talking about getting you on the safe plan i did they literally just called me and i still think it was a scam to this day it probably was i get everyone gets calls like you're student loans yeah or no you gotta pick up the phone yeah so probably so please Please don't fall for that.

55:35Please don't answer those calls. I didn't. I didn't fall for it. I did tell them like, yeah, I'm interested. What was it from studentloans.io.russia.putin. Probably. And it was just a call. So I was like, let me call you back. And I never called them back and they never called me back. So that's what makes me think that it was a scam. But other than that, I have not started. Yeah, you haven't made a single payment on student loans. Let me see. It's open. Your payments must be at$0. because it's counting payments. And that is likely because you may have found yourself a way on some income-based repayment.

56:13And obviously your new income isn't reflected on past taxes.

56:21So there is that. And then if you were on save, that might be on deferment. If I'm not mistaken, due to some court things. Or at least on hold. but it isn't counting anything missing your payment would be so small anyway your payment would probably be like 50 bucks a month it's honestly it's not terrible so what did you try to go to school for um i was the first time i was trying to go for hospitality management i really wanted to get into the hotel business um and then when that didn't work out or when COVID happened they ended up sending everybody home and um I tried to do HCC and I was actually gonna go and try to get um certified to do more so like tax preparation because I did want to know a little bit more about it and you know just go from there um however that was when that was when I tried to do it I guess COVID hadn't hit there in Houston yet because I ended up going back to Houston so I was able to enroll able to do everything go get set up for classes and then the day that I went to go start my my first day of school um the doors were locked so they wanted us to go ahead and convert to online classes however I'll be honest that's that's not the way I learned I have to be in person kind of being there and I honestly just didn't get the whole system on how they wanted us to do it and not only that but they never told us that until and then what was your second attempt you said multiple attempts yeah so that was the second attempt the first attempt was the hospitality management in Beaumont I got a little mix up there okay okay I see credit collection services 91 bucks why can't we pay 91 bucks I honestly don't have an excuse for that one.

58:1655 minutes and we still don't even know. I don't have an excuse for that one just because I didn't even know. It was Geico. Oh, yeah. Why not improve our credit from the 500s to the 600s by literally paying a$91 payment? You get a flat reimbursement for being here because people travel. People take time off work. We want to make sure we reimburse people for their time. Take some of that and just do that. That'll improve your credit by at least a few points today. Okay. Jesus. I can do that. All right, collections number one,$91. Take care of that. All right, collections number two. This is for a more substantial$550.

58:57And this originally was from an energy company. You weren't paying your energy bill? Well, basically, I was in a sh** apartment even then. A different sh** apartment? A different sh** apartment. This was in Houston. All right, you got to stop signing leases. I know. it the same situation couldn't get any help um my ac it was literally in the dead of winter and i would walk in my apartment and it would be 61 degrees so i continuously burn some of the roaches start a fire i didn't have a fireplace at the time but yeah i originally tried to get it fixed they kept saying oh yeah it's fixed but we would set it on one thing and then at the time when i was working i was working 12 hour shifts so by the time i lived in a place that hasn't had maintenance issues uh the one i live in now they've been on top of it so far so far how long have you lived there uh three months now okay so it's one of those things where someone has an issue with every single time they've done something ever i start to question like all right how much of it was really the other person's fault not a little bit of yours well that's why i left the first apartment i was here in in wells branch because i felt like it was kind of giving me PTSD I was just you know felt like I was back in the same situation all right well it's not wrong terms that apartment was actually attempting to come in and help me um but eventually they found out that it was an electrical issue and it was making my my light bill go up crazy sure so I kind of got your electricity not light electricity yeah it was it was air conditioning Definitely bringing up my bill.

1:00:40So I ended up. So I'm told you're considering a different career path. Yeah. Even though you're in a great career path making great money. HR has a long way to go. What? Well, this particular position that I'm in with this particular company. Stressful. And I get that. But utilize, build the resume, strengthen this. HR isn't always a 24-hour job. you might be able to find a good nine to five somewhere. Yeah. And that's what I've been doing. As you know, the job market is pretty terrible right now. Okay. Terrible is an over-exaggeration. As good as it was during the frenzy of the pandemic, no. But trust me, if you think this is terrible, wait until you actually see a real recession.

1:01:25Well. Then everyone's going to look back at this time and be like, remember those times? Times were great. Literally doing that now. So, yeah. Well, in my position, I am. because I have been looking for another position. I haven't been able to find something. What do you mean find something? What does find mean? Find another position. What does find mean? I'm applying. You're applying? How much? How often? Pretty much every day, anytime I get the chance. Okay. Are you tailoring your resume to those specific companies and cover letters? I've more so just built it off just based off of my experience that I had.

1:01:58Shopping 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. Okay. Okay. Well, you know, first of all, I don't know. Resume, a lot of that stuff. a lot of times it goes to like a just like word reader ai crap anyway whether or not you get a job so are you using resume builders or did you just build your own resume um i did use a ai resume builder um but in ai okay yeah okay so i got a pretty good score with them i got a 93 okay so maybe there is some room are you getting calls at all um i have gotten a few calls no offers yet uh you've been in hr for three months yeah uh no for since last october so almost a year okay a lot of people want to see two years of a specific industry role to do that so it might be that might less be a resume thing and more of a you just need to put another year under your belt yeah which again you'll be 24 that's like we've all had jobs i think for the sake of a career one more year is not the worst thing yeah what are the other ventures though that um i'm more so looking into um of course hr positions but i'm also looking into um like uh there's a property tax position that i was kind of looking into okay um for that one i need my real estate license which i have been working on really you're getting a real estate license yeah because the property tax position with like the city yeah um basically so it's property tax protesting um so there are small companies that i've seen with there's a big company i think called onwell that they're pretty popular interesting so you saw an open position have you talked to them i have not so we're getting a whole license just to potentially apply for a job well they're not the only company in the world that does that no i know but what what interests you about that industry well what actually interests me because i was actually before i got here to Austin, I had a temporary contact through a staffing agency with a property protest company.

1:04:28And after I was kind of able to get in a little bit, you know, get a little bit more information as far as what they do. I never even heard of that before. I was actually just a data entry assistant for them. So after kind of going in and getting to talk to some of the agents that they had there it was something that did interest me so um it is something that i'm looking into um just to kind of build up my build myself up anything else or was it just that um that one and that one and uh like i said again just looking into uh tax preparation as well so let's like take a so let's take a look at the check in account 80 bucks spending balance okay So you said you could pay for a$200 emergency now.

1:05:16No. Okay. Hi.

1:05:25It's time to play my favorite game. Pull out the crayons and see if you know how to put X's next to things.

1:05:39It's time to play the game. what's your favorite color is it red because that's what you're using that's fine that's how you play the game mark next to things that are

1:05:55put an x next to the things that are bullshit all right purchases going through the checking account this legendary statement

1:06:18You can mark it next to the item as well. Okay. If that makes it easier. Yeah, I think that would probably do better.

1:06:54Oh, boy. All right. That's good. That's good. I just needed one page to see where your mind is. Game show has concluded. Please. Thank you. Thank you, God. Thank God. I accidentally broke your crayon. you did not break the crayon it was already broken the red crayon this is the game show crayon though okay i don't i'm a little confused this is like we just really don't know but zoom in on this brandon this is what are we doing you got one two three four five six seven eight nine ten eleven out of 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20. You got a f***ing what? A 55?

1:07:4555 out of 100? You got a f***ing E? You failed. How? How are you justifying going inside of 7-Eleven and getting a$3 bull? $6 bull? Yeah. What are we doing? And Donald's? Donald's isn't bull? In what world is Donald's not bull? Going inside just filling ourselves with bull? How is that not bull? Going inside and getting bulls**t? How's that not bulls**t? How are getting your nails did not bulls**t? Oh, wait. No, you did call that one. You did call that one. Going to a restaurant? You didn't call that bulls**t. Come on. What are we doing?

1:08:17Little Caesars isn't bulls**t? Well, when you don't have any groceries in your house. Then you go to the grocery store. That's an interesting thing. Huh? What a solution. Guys, if you don't have groceries in your store, go to the store where they sell groceries. Yeah. Come on. Sometimes it's like 10, 11 o 'clock at night and they're not open. But no, you're right. I definitely have been preoccupied, a little too preoccupied to go to the grocery store. But what? My job. Okay. Yeah. Come on. What do you mean? You mean literally every second of every day you are on a call or working an email. Every second of every day from 8 a.m.

1:08:55to 11 p.m. Every second, seven days a week. So it starts at 7.30. and my job doesn't end at the office even after five o 'clock i do have to go to um a separate site to then conduct more business so it's more most of the time i work when are you out probably at around eight nine o 'clock at night congratulations the grocery store is still open everyone makes sacrifices people do this all the time you're not a unique cookie in that and i'm sorry to tell you that i know it really sucks i wish i wish i wish it wasn't like that i wish I wish it was easier. There's also curbs I pick up. It could be a little more expensive upsells.

1:09:34But even still, you would save money compared to going out to eat. You're going in and getting some BS. Cash app and out McDonald's. Getting BS, BS, BS. Hop Daddy, Hop Daddy. Chime, is that? That's the mobile bill, right? What's Chime? Chime is kind of like Cash App. It's just another card. All right. So Chime, bullshit. Going to a restaurant. Getting our nails did. Going in and getting some BS. Hop Daddy going in and getting some BS. Little Caesars McDonald's going and getting some BS We're getting snacks, chips For every second of our life Going inside and potentially getting some BS Plus gas maybe I don't know Cash app it out StyleSeats.com Going and getting some BS Timu$248 to Timu First of all that's enough stuff at house and Timu stuff Like that's insane First of all Timu What are you doing Also no you timo i will not let you sponsor this channel stop asking um no i ended up getting a bed frame there from there a timo bed frame did all right should we place a bet on how long until it collapses yeah probably but i'm more so just got it just to get my bed off the floor because ever since i've been here my bed it's gonna be on the floor yeah in like 30 seconds it's been holding up so far especially if we keep stopping at the gas station getting bags of chips that's not gonna to help either going inside getting some bs going inside getting some bs going inside getting some bs we went inside we got some bs we went inside we got some bs mcdonald's amazon cash app after pay cash app taco cabana cash app going to the grill cash app chevron went inside got some bs there sent out some cash app 30 steve madden chime again 500 on chime mcdonald's amazon amazon my throat hurts and i have a lot of things to get through on this statement let me tell you stylec.com we're back baby winning got some bs winning got some bs hop daddy hop daddy you love hop daddy you're from pumice on truffle fries down the throat like crazy because because i am also again a thick boy styles she winning got some bs cash app cash at five below oh got some bs amazon this is this this is just insane this is just insane cash out of money cash out of money winning got some bs winning got some bs winning got some bs winning got some bs mcdonald's winnings i get some bs little caesars got our eyebrows dead well after pay cash out 35 cash out about 65 when i got some bs got our nails dead again when inside get some bs when inside got some bs are you like are you are you the person that works there or something you're there every second of your life taco cabana amazon or do you just like get off and like sniffing the fumes at a gas station because you're there every second of every day winning got some bs water burger cash happen out texas roadhouse and i love me some rolls but also you're not paying bills water burger oh thank you that's the end savings 200 bucks oh where there's a cash app statement as well i'm just like picturing just like this imagine if you just like just even for even just a high yield savings account like okay let's say you opened up a muumuu account okay okay that in there at least for like three months you get an apy on your money of eight point whatever percent it's incredible imagine what all that spending could be doing it could be making money you could be making money on your money instead you're just like oh let me just go inside gas station and get some crap i don't know this cash app is weird it's like 400 38 dollars 5 dollars 25 dollars of cash app payments are those two individuals uh yeah they're blacked out so they must be yeah ah geez i mean hoy oh it takes longer and longer to get through statements these days i swear

1:13:47I don't have anything to say I guess we just need to encourage you a budget To see where you stand Because this is like From that I'm just This is crazy man The other large purchase is $1 ,300 for What in the world Primerica$124 And then Chime$525 What are we doing reminder you spent a thousand six hundred dollars more than you brought in so yeah um well at least for the 500 i can tell you where that the chimes yeah okay so that one was actually helping my mom get the car uh she gave it to me in cash they wouldn't accept the cash so i had to move it to my child card in order to this sucks because i love my mom and i will do anything to help her but there are certain things where I think this one was okay.

1:14:44If they give you cash, you're helping with that. But with the car payment at a certain point, you are one, you've enabled her to get something she can't afford. Probably two. You're also yourself. There is a point where helping other people is actually not the right thing to do. It's a rare case, but there are points where you're doing that. And that is kind of an example of that. Okay. So 4 ,100, 45 ,000, four cents comes in biweekly comes in half of that. Oh no. Biweekly. Well, scary. Debt payments. Let me get that debt payment. I'm losing my damn mind. And then what are you transferring to other people over$1 ,000,$1 ,200, whatever for?

1:15:22More so eating out. There's more? There's$1 ,250 of eating out more? So you spent$1 ,700 eating out. Between eating out and shopping. What are you shopping for? just clothes different things yeah if you keep eating it out i guess you need to keep buying larger and larger clothes meaning you always have to go but that doesn't mean that yeah that's the retail therapy i was talking about earlier okay no more retail therapy go to therapy therapy it's cheaper i don't know that's why i'm here that's what everyone says i want to give you free money right now i've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them.

1:16:06Check out my investing app of choice, Moomoo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5 % on your money and up to$300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get$20 right now instead of the usual$5 you'd get from your friend's referral. You can also sign up for our investing program and get$100 in cash deposited into your Moomoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that.

1:16:44All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. Your debt payment. It's basically a rent payment on three things is$1 ,191. I'm leaving out of there. Your student loans are likely 50, but they're zero right now. And leaving out the$500 that your mom takes care of. A KFC tale in the pursuit of flavor. The holidays were tricky for the Colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's$4.99 chicken pot pie. Warm, flaky, with savory sauce and vegetables. It's a tender, chicken-filled excuse to get some time to yourself and step away from decking the halls.

1:17:24Whatever that means. The Colonel lived so we could chicken. KFC's Chicken Pot Pie The best$4.99 you'll spend this season Prices and participation may vary Supplies last Taxes tips and fees extra Because, you know, she gives it to you She gives it to you in cash? No, she actually just makes the payment directly herself Oh, I was gonna say, okay Because we didn't see anything come in Okay, what's your rent? $14 ,000, altogether$14 ,000 What's all together? What's all together? All the utilities? Yes Okay, does that include internet? Yes Water, electric, gas? Water, electric, gas Wonderful Renters insurance?

1:17:57Rent-ins insurance is probably an extra$20. Cool. Gas, vroom, vroom, drive, drive. I fill up weekly, and it's no more than$30. Good thing you don't do it biweekly. It would be unmanageable. Yeah. Sorry. Long conversation. It's always the second half of the week. After so many of these conversations, I start to lose it. I feel good for the person who comes on a Monday because I'm like, Oh, how you doing? Yeah. Oh, well, it's that bad, isn't it? Oh, yeah. Oh, don't do that. And by the end, I'm like pulling out a Glock. Please don't pull out the Glock. What's your car insurance? My car insurance is$130 a month, but my mom takes care of it.

1:18:44Okay. Groceries,$300. Follow the meal plan in our budgeting program. You can tweak it to your needs. $100 TP fund. This is getting your nails did. anything else you need to survive you can put it in there okay that can even include a little bit of fun if you're able to keep your needs on a low basis okay co-pays medications doctor's appointments therapies co-pays i don't have insurance right now why um because when i first according to your last tax day first of all why is your job not covering that because when i first got there their insurance is pretty high so i wasn't making enough to afford that and then afford my bills as well so i never signed up i'm sure they had another i'm sure the lowest option i don't know i don't i can't really trust you're not a reliable narrator in a lot of these finances i mean all you can do is trust me right yeah but i can't as a thing based on everything you've said at the beginning of the conversation well i'm like you haven't been able to describe a lot of these things accurately so yeah well the thing about it is is like i said when i first got here i was making 18 with the same company yeah i got you so with your income situation on the healthcare exchanges or even just going through like a brokerage that would find you one um and you could have found health insurance outside of it and because the government thinks you don't make much money because of last year that's their most updated thing you could have honestly probably gotten like hundred dollar a month health insurance that was halfway decent right now and even still what i would do is at a minimum because you can go bankrupt through this medical things go out there and get literally the cheapest health insurance possible to cover you in the case of a deep emergency yeah at a minimum basis at least go to that i'm putting 200 i'm putting 200 a month in here okay well as of right now i have found some resources so what about your mom does she have health insurance i can't speak to that i don't you can be on it until 26 i don't think she does i don't know what's your dad not a picture okay i put okay what were you gonna say Oh, I was just saying that I did find a place here that put me in touch with different resources that were free.

1:20:50So it's not. No, you still need insurance, though, for big emergencies. You can't use these resources for putting 200 bucks there. OK. And that that's going to be cheaper than next year. But again, just based on what your tax returns say, you might be able to qualify for some things. Hang up and mute that phone. Put it on. Do not disturb. Naughty, naughty. Subscriptions. Nope. Do you have any pets? I do. What? um a uh dog i don't know exactly what she what breed she is i would still pet her it's okay uh pet insurance pet insurance yeah no not yet okay i'm putting in there 25 bucks a month okay pet insurance that'll also save you money because you're not gonna let it die if it chokes no pet food um probably at the most 30 bucks and it lasts me yeah but no not maybe about a month and a half it's a pretty good i'm putting 30 she's small yeah phone bill 176 is your phone bill yes do you have like an apple watch an ipad financed what are you doing 176 um it's just really more more five iphones no just my phone and my service and then t-mobile i have t-mobile what are you talking about yeah it's my phone that and then i also had prepaid internet with them but i recently got rid of that because i didn't know that my apartment's actually when you pay off your phone switch to helium for 20 bucks a month it's the same tower as t-mobile's okay okay but you have your phone finance so i'm gonna put in there what is it 175 175 you need to fix that honestly might be worth paying off early so that you can switch to a cheaper thing i think anything else i need to put in your budget no while i'm doing this math what do you think of the financial audit experience so far so far i have enjoyed it um i feel like that's why i came here because i kind of need somebody to call me out on some of that stuff you know some people watching this video right now that like to complain think you're a victim for being on here Are you a victim?

1:23:01No, I don't feel as though I'm a victim. You're a victim because there's a man making noise across the table from you slightly louder than inside voice. No. Okay. Well, you need$3 ,561.50 a month to live. Good news. You make$4 ,145.04. So we should be making much more progress. But again, we know you spend now we know thousands of dollars on fun a month. Yeah. A lot through Cash App. But are you willing to stop that? Because if you're retail therapy going out to eat. No. Yeah, I'm definitely willing to stop that. So what's different today than previously? Like, well, how are you going to stop that if you've literally been spending 1 ,500, 2 ,000 hours a month on fun?

1:23:49Well, at the time when I was spending it, of course, I felt like, yeah, I don't need. I know I shouldn't have been doing it, but I was doing it just because I could. I felt that I could, but evidently going through the numbers, I cannot. All right, 583. I would immediately kill that one collection just to raise your score a bit, that$91. Put the rest toward savings. Cool, 500 bucks in savings essentially. And then next month I would do that again. Honestly, this next quarter I would do that. and honestly i just i can't have you in a scary situation again so honestly through the end of the year i'm doing minimum payments on the debts okay uh yeah actually even that 91 collections i'm leaving it there okay set up that 583 583 through december so through the end of this month oh wait we're not in september yet are we no still in august four more months i know how months work and that gets you two thousand three hundred thirty two dollars by the end of the year still doesn't even cover a full month but at least we have that as a starter and then first month next year i'd really like to by the end of this year um see about getting out of that car lease and hopefully have a so you said they would only put in roll so i'm a little confused what did they tell you they would do with the lease they told me that if i give it back that day that they would only give me 32 000 towards what would 32 000 towards the remaining balance of the lease yes and i would still owe 8 000 oh yeah so that's why i hadn't given it back but like i said i want to really look i really know it'd be but i would talk with them if they're if they have a 10 000 hour used car that you can get certified by a mechanic that will last your years for safety and reliability.

1:25:44If you can get a 10 ,000 hours, roll that, and I hate this, but it might be what you have to do in your situation. Roll that negative$8 ,000 over an equity. Since it's with the same dealership, they might let you do that. Oh,$18 ,000 on that car. Yeah. And again, it's gonna be at a straight probably but probably ranging 15 20 maybe um payment's not gonna be that much better though it's gonna be easier to pay off because the thing is is the lease it's still not mine still not yours and what you'd have to do at the end is get another lease but it's a lot less controlled ah well but the thing is even if you could move over to finance this car no no not this one that if i were to go ahead and trade it in and get well that's what we're that's what i'm talking about anyway what do you mean another lease no so what i'm just i'm sorry i'm just trying to math it is out so your payment's not gonna be that much better yeah but if it's unless you get like a 72 month loan like i'm not gonna get you anything larger than three years um so it's just because if you pay off this lease then instead of re-upping just call it good and even get a cheaper lease for a bit while you're taking care of the rest of this debt it's a option but mathematically in terms of a minimum payment option might not be the worst it's complicated yeah so i my original plan was to keep it until the end of the year try to stave up as much money as possible while still making a minimum you're only able to 2 300 though well if i cut out some of my spending and also that was just cutting your spending to zero except for your needs okay well yeah have you been here no i was here i just maybe misunderstood stood but i was just really trying to see if i can get a cash car so that way i can just get out of it no because i'm not going to get you a 2 000 car because unless you get a really unique situation that's impossible to find oddly enough one of my employees did find a weird 1 000 car situation and it's like in good condition but it was just a weird thing someone looking to get rid of a car but whatever either way like you're not going to find a reliable car for that much in cash so yeah it's like that's just going to put you in a worse situation in the long run with all the repairs and then you need to get another car what i would personally do is i would probably take that trade-in option roll the negative equity over and get the cheapest reliable used cars you can i'm saying 10 but see if you can get something closer to 7 000 8 or 8 000 i'm still doing only like a three-year four-year loan because you're probably going to want to stretch it out to like eight years to lower the minimum payment but it's not worth it because we're just going to paid off early anyway i just don't want to give you the ability to stretch it out over eight years because you could take the longer one with the lower minimum payments and then eventually pay off it quicker but i don't want you to have the excuse to be able to stretch it out that long so i'm probably doing that synchrony card no the apartment hopefully that's negotiated down synchrony card that's the first you're tackling still gonna take seven months six to seven months to pay off.

1:29:04So it's going to be halfway through next year. The Navy Federal, this is crazy that I'm even suggesting this because, I mean, I do have the moral responsibility of pay back the debt that you borrowed, but it's so substantial and it's going to take so long to pay off. $5.83. Oh, sorry, you make$5.83. No, no, you'll pay off the synchrony card in four months. You have an extra$5.83, so okay, four months. But even still, the$17 ,000 alone, It takes multiple years to pay off. You can do that. Part of me, and I'm not suggesting to do this because I don't know. I want to think on it a little longer. Part of me is allowing it to go to collections and then trying to negotiate with them to only pay half of it because it's so substantial.

1:29:45But you could pay it off in a couple years. With that extra$120 a month that you're rolling over from Synchrony, you should be able to tackle it in maybe a little under two years. And then you have that new car to take care of. with then rolling over, that's going to take another two years. You could be out of this if you don't finagle at all and you just stick to the minimum payments and you do that car thing we talked about. You could get out of this in four years. And then a fully funded emergency fund and everything. Let's call it five years total. You could do that. Now, you know, obviously incomes increase over time, so we roll that in.

1:30:23And you'll have, and once you pay off the Navy Federal, you'll have an extra$4.15 to throw towards the car on a monthly basis. So actually, I think this in total could be four and a half years with the fully funded emergency fund at the end. You have a long journey. The thing is you don't have a lot of different debts and then you're taking care of the questions as well. But then you don't have a lot of different debts but you have a risky situation with your mom's car. Student loans are a little unknown. And then the debts you do have are very high debts. Yeah. I would grind it out. You can potentially consider a collections and negotiation.

1:30:55I don't know. I would personally grind it out on my own end. that's how I would do it that's kind of how I've been trying to do there's even debt payoff services makes sense yeah because I'd honestly like to keep my Navy Federal account and everything because I did talk to a debt consolidation or the JG Wentworth people and all that stuff but I don't trust them I can't really trust anybody right now to be honest with you so I've talked to them and everything but I just don't want to necessarily close or put a stain on my navy federal why do you care about navy federal um just because they have some decent benefits and um i was able to get a lot of opportunity with them as far as um you know even just getting that card that credit card no it wasn't necessarily smart but at the time i did need it when i first got it and then it just started building from there honestly i'd rather have you look at the relief app let me send that to you it's a better debt payoff type of system okay again it's meant for more extreme cases when i typically use a resource like that oh is this not an extreme case this is and that's why I'm considering look at them.

1:32:20So that's what I would do. So yeah, look at the Relief app potentially and we'll send you the information on that. We'll probably put them in our resource section as well. Okay. Spending in a budget, you're overspending 0 out of 10 collections and debt, so 0 out of 10 emergency fund. You have 200 saved. 500. I'll be generous and give you a 1 out of 10 return. That scares me by the way. 0 out of 10 real estate, nothing 0 out of 10. We only round up unless I hate someone and I don't hate you. You're a very pleasant person. 0.5 out of 10. Make sure to check out all the resources linked in the description below.

1:32:52Is there what I use or would use in specific situations? Now, join us for the post show. We're going to talk about a little extra drama and more things about the episode and bring in our producers to have some more knowledge about you and the craziness of your life and your situation. So click join below and join us for that. Thank you. Today on the Financial Audit Post Show. I'm just looking to hook up. And I was very clear that I'm just looking to hook up. She's like, come pick me up. And we're just going to hook up. you know that's fine you know just being very clear with intentions you're respectful she opened the door and then she was like you know what i'm gonna let my tiktok audience know about you and then she left open my car door and then she walked away luckily i can push it with a button i closed it so i kind of just like looked at her pushed a button and it closed it sounds to me like she had an agenda to watch the financial audit post show click the join button below.