Pathetic Brat Thinks Shes Hot Sh*t | Financial Audit

32:10You. That's so stupid. $125 divided by$2 ,000. What do you think the math's going to be? you're gonna get a potential 6 % return that's not horrible in terms of a card guess what you're losing 30.74 % what's a higher number 6 or 30 hey what's a higher number 6 or 30 don't be a dumb yes so maybe the points don't matter even if you're a platinum member you get probably about 7 % 7.5 % cash back okay oh is it based off of how much you spend in a year I don't f***ing know! Because I remember one year I spent like a lot so they bumped me up to the next year. Platinum is$500, Diamond is$1 ,200. Okay, so I think I'm...

32:51Even still, you're probably getting like 8 % cash back. It depends on the year. Which for a credit card is not bad, but what's bigger? $8 or$30? Still$30. Yes, and you're going to get fees with these... Oh, the lady.

33:04This is f***ing crazy. This is so f***ing stupid. You download this damn app now. I swear you do not leave If it doesn't even matter If you see yourself overspending your Alta I want to pay it down though So that I have the money to spend Can I see your Alta account? I bet you have it Is there a special little thing? Let me see it Kill me now

33:35Oh look 21 days of beauty There's a sale Your points is a dollar per purchase, though. It's a dollar and a half. Now for you. What was my last purchase? Oh, please. Oh, my gosh. It just shows you sales, sales, sales. No. I don't know how to. You have something in your bag. You have something in your bag. Are you kidding me? Listen, this$44 stupid little moisturizer bullshit. Hey, it is that. And guess what? Hey, guess what? Guess what? That one you're going to pay for could pay for 7.4. we did the math lady oh no what is all this saved for later hydration face whip sunscreen mousse oh my that's just so fun travel size better than sex brow pencil backpack scrub stick almond avocado of moisturizer?

34:31What is all this bullshit? It's endless! It's nearly endless. Can I see your damn purchases? Yeah. Well, you're going to have to tell me how because I don't know how to get. I don't know how to use this. Save my life. I'm glad.

34:53I don't think it shows the in-person ones. Oh. Your fault. That's not true. I was kidding. Yeah, okay, those four things that we saw there. Then you got some bulls**t. Well, and also, like, I'll buy my boyfriend. I bought him a really nice cologne. It was nice to put it on the... This is crazy that just this s**t within itself, you do this, like, once a month. Just that s**t. Yes! No! Stop! I'm saying it's crazy that you do that once a month and it is f**king over maxed out. That's insane. You are so irresponsible. You just don't pay for what you put on it. I don't say what allow it. It's just so easy.

35:35I know, and that's why you shouldn't have access to it. That's what I'm saying. $2 ,000 on beauty. That's a shopping free. You know what else is easy? A tip? Huh? That's easy. Klarna. Of course. It fits your personality from everything we learned about from the stupid... Well, I recently just got into Klarna. You just got into it, and you're already up to 1 ,054? Like a year almost now. You shouldn't get it. This shouldn't be something we get into. It's not a hobby. We're not getting into Corona. What is that logic? It's nice to be able to like make a big purchase and split it into four payments, especially like no interest.

36:13But you've proven you can't manage that. Well, I make the payments every single month. I can manage it. No, no. Because this is what happens is because you think you're able to split things into a four payment thing, which you think it will help you. That's what you think. but then all of a sudden this makes it so there is more money due at certain times it is stacking up constantly which does not allow you to have money in your checking account which means when you go to purchase something at alta or go get a service you have to use a credit card that is already at maxed out because you don't have any money in your checking account the reason you don't have any money in your checking account is because you're not taking track of your minimum monthly payments that you are endlessly stacking on top of each other because you think it's helping you well luckily i just use well are you gonna well that you like i just i have to justify it Like, why?

36:58No, you don't. Just don't do it. Just don't be a child. Why wouldn't splitting one payment into four payments with no interest if you don't have the money? Like, why isn't that a smart choice? Here's my secret for growing my business. My team. Seriously, I couldn't do it without them. And when it comes to business, hiring the right people without wasting time is key. So if you realize your business needs to hire someone yesterday, how can you find this amazing candidate fast? Easy. Just use today's sponsor, Indeed. When it comes to hiring, Indeed is all you need. Stop struggling to get your job posts seen on other job sites.

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38:46That's not what it should be about it should be about utilizing your money in a better way like this money could be utilized somewhere else in a more efficient way say it returns on the stock market if i'm like buying the s &p 500 or something that's always a classic example right or yes even your alta bill but you're not even doing that that's what i'm saying because you are stacking your minimum payments higher than you know because you are not tracking them because you just do the split in four constantly because there's zero percent interest and it just helps me get this purchase now because of that you are making money just leave your checking account when you don't know it all these automatic payments that are constantly hitting which is draining your checking account and making it so you don't have money when you try to go do things yeah i mean i definitely see that but i mean i will pay it all like when i get paid i'll pay all the payments so i don't have like 20 hitting me at once or like at random times i'm really good about keeping on top of it and making it or not you said you didn't have money in your checking account to get alta or else you wouldn't well i know if you're on top of it about making my payments like i've never why are you above a credit card limit then i i don't know you don't know no i mean you don't know how do you get above it i mean i've made if you're keeping track of your payments knowing what balances you have you should know how much you're able to purchase if we even look at it that way keeping track of like how much i have to purchase i'm just keeping track of I'm making the payments at least.

40:11I'm not missing them. You put$491 towards Karna alone. Girl, that's 17 % of your high paycheck. Of your high paycheck just going to Karna. That's what you're doing. Like this is my grocery bill because I. You're splitting it for your groceries? Well, yeah. I don't drive. That's a necessity. So I Instacart. You're paying him for Instacart? What about the boyfriend? You live with the boyfriend. Well, yeah, but he does have two jobs. and he travels for one of them. You gotta take care of your lazy ass and spoiled ass who won't stop spending money they don't have. No shit. He's taking care of it. Can't rely on you to save anything.

40:48Well, I deserve it. I'm worth it. You entitled pride. What the fuck is that? What kind of defensive nature? I know. Listen, you just come onto the camera. Okay, you're not used to getting this kind of pushback. I get it. But that is such a dumb mentality to have. You need to rip that part of you and throw it away or else why even be with him? I love him. Without self-centered and entitled and disgusting. A statement that is. Why put him through that? I mean, he loves me. He's willing to go through it. If he watches this back, will he love you? Yeah. Really? Yeah. Is he desperate? No. Not at all.

41:37You're a person on this earth. I want you to do well. I also agree. You are worth it. The general it. Just like any other human. You are worth sacrifice to make your life better. You are not worth it to f*** your life. But I also. But all you do is f*** your life. I want to be independent in a way I don't need to rely on him because I can Instacart the groceries. like but but you're paying for it and then just your minimum payments alone because of how much you stack it is going to 17 of your high paycheck month just your minimum payments on past groceries i mean do you not see how dumb that is but i don't have a car like it's i get that but he could stop at the grocery store i mean yes sometimes if you schedule a pickup i'm i've done that like i there you go do that more but it's just easier to instacart it and it is easier it is easier you're doing that thing you're doing that thing from earlier in the episode i said i know it's fun i know it's easier you're saying things we all know they are not good reasons they are not good reasons i need to rip that from your brain i mean it just feels good to me it feels good that I don't drive, so I need food.

42:55I need food. I need food. Meal prep. Use the cookbook that comes with the budgeting app right here. And guess what? Have him pick up the groceries. How far is the grocery store from your house? Hey, how far is the grocery store from your house was the question that I asked that you're going to answer. It's like a 15-minute walk. Okay. Walk? Yeah. Okay. Oh, I know it's not Europe, and we all hate walking. Us and our fat f***s. But guess what? I had a little bit of groceries. Fine. but$300 worth of groceries how am I freeing that home? because it's close to walk you can do shorter trips you can do smaller trips more frequently and it's honestly good for your health yeah it's what everyone else does in the world I mean except for Australia Canada or the United States but I'm just like lazy it's easy yes you are thank you self admitting self admitting and should you drag him down should you drag him down is it his fault his responsibility that you are self confessed lazy and you refuse to do anything about it because you'd rather just be an entitled little brat for the rest of your life?

43:52No, he doesn't deserve it. Oh, I know. But I mean, he also enables it in a way. Like he's not, he knows I do it. I mean, we just got a dog. You're going to blame him. We just got a dog three months ago and he hasn't bought any of the food. I always Instacart it. Like it's just. Enables, that's not enabling you. That's him just being not present, which honestly is not a good call either in that. But that's not enabling you. No, no, no. You just try to deflect with saying he enables you. Try to pull out a buzzword like that to try to get out of this? F*** you. You have, throughout this entire damn conversation, I've seen nothing but spoiled, lazy, and entitlement.

44:36They're enable. What enable? When I tell him that in the post show when we bring him on, when I tell him that, what is he going to f***ing say? That you deflected and tried to get out of this pushback that I'm giving you. I have different coach purses and I say, which one should I buy? And he sends me the one that I should buy. Yeah. Is that not enabling? Slightly? A little bit. But to deflect the whole thing, it is still your choice in the end to purchase. I mean, he just supports me. It's making me happy. So I think he just helps me to be happy. You're happy to be in this hole and to not be engaged.

45:09I'm happy to have a coach purse with cherries on it. What's your retirement at? My retirement? Yeah. Well, I pause. You're happy to die in poverty. You're happy to die in poverty. right no but i'm happy to not have a car do you want a car i do i do want to drive um you're happy to not have the thing that you want you're happy to not have the engagement you're happy to not be healthy you're happy to not have all these things you want you're happy to not get 70 seven of these you're happy to not get seven of these and only one instead you're happy with this you're happy with this life if you're happy with this life you're never going to change you're never going to change if you are satisfied but you should not be satisfied because your life is not good your life is not good i mean it's a little good it's not good you're making it worse and you are going to have to at 25 30 you are going to be battering down the hatches because of the hurricane you have created right now being a spoiled brat and then instead of taking any responsibility in your life you say well he enabled me and that's why this is happening listen he might a little and he should not encourage that but it is still your choice in the end that you are making yeah don't pull that i mean it's just i didn't so much before that it feels nice that i can finally neither did i grew up in lower middle class we got foreclosure notices on the house who gives a listen i work for the i budget i'm smart i pay i'm smart with my money i mean i also feel like i'm smart with my money for what i want it's just taking me a little bit longer to get there well no you're not you're only putting what you want on debt you're not working for it.

46:40You're working to pay off the interest on the things you've already purchased. I don't know what the f*** you're talking about. I paid off my debt. I sacrificed to do it so that I can buy the things I want now. I bought the car that I drive out front that I absolutely love. And I purchased that because I sacrificed, paid off debt, got a fully funded emergency fund. And then I could! Because I budgeted it. You're just debt, debt, debt. If you went and got a car today to fulfill that need, you'd get like a 25 % interest dumbass car. and you look at one lot that's what someone like you does and you'd say i deserve it i'm worth it well i am but um it just yeah i don't that is a mentality that i do not know how to fix listen use the therapist as sondermine they're a partner of the channel you get three free therapy sessions our guests or our audience uses them i use them you got to deal with that mentality that is some stuff tell say everything you've said in this episode make them watch this episode to onboard you my this is crazy dude so what all are you buying on car you're just saying groceries well yeah i mean bring up your car will it show me yeah yeah um i have the uh one um i did buy my coach purse on clarna um that's right that's really you told me they were necessity groceries but like it was kind of a necessity to get a new necessity no it wasn't

48:09but yeah i think cards first of all you're spending a lot on groceries i mean this is this is insane like every week yeah we do i mean i cook a lot i don't necessarily too much budget when i'm cooking i just kind of make what looks good on tiktok in the next seven days just in the next seven days these payments this is crazy so just i get paid tomorrow it should that's scary the fact that that's where your mind is you're okay this all makes sense you are still in the mindset of like these minimum payments or these things that i'm delaying are okay because i get paid on the day right before they get taken out so you are oh my gosh the way you justify this you need to build a budget you need to stick to the budget you need to have discipline it just feels hard to it is hard but you have to put the work in go through the budgeting class you get it for free 10 000 people in our audience have literally taken our budgeting class on all of our classes i mean they get them at a discount but again you guys get them for free because you're a guest on the show take it and i will walk with you take the quizzes i will help you but just because something's hard is not an excuse not to do so this your mindset of i can do this because i get paid tomorrow that is so scary you cannot be in that situation yes it's instacart instacart instacart instacart instacart all owed in the next month and then coach instacart instacart it's the car it's already stretched out to april it's the car it's the car it's the car coach coach coach coach oh that's completed i don't think june june is still coat on a monthly basis just in march let's just see because you're going to repeat the cycle 70.7.37 plus 2.95 plus 49.09 plus 18.33 plus 63.09 plus 25.65 plus 45.05 plus 70.37 plus 49.09 What the f*** is offer up?

50:12What is offer up? What is offer up? Well, it's just like where you can post stuff to sell or buy random stuff. But I feel like you probably buy. Well, yeah, because it is it just popped up and said, I have something you might want to buy. Well, you can't afford relationship with offer up relationship with money. You don't respect it. You don't understand how it works. So no scroll, you know, like even if I don't, I don't give a fuck. It doesn't matter. Your minimum payments alone on this is four hundred and twelve dollars and thirty two cents. And I know that goes down on a monthly basis. Sometimes I know that goes down.

50:54well I know that you'll pay sorry I meant you will pay off some of those line items on a monthly basis but I know you replace them yeah because all you do is go back so that's what your minimum monthly payment is but you can pay this off yeah in like two months I have so many like payments like it's hard to you know well there you go there's shows that you can't do it there's shows you can't do it you just you just proved it you just proved that you can't manage your minimum monthly payments the thing that you said you could in the beginning. You just proved. No, no, no, no, no, no, no, no, no, no.

51:27You just accidentally told the truth. You just accidentally told the truth.

51:34You just accidentally told the truth for the first time in your f***ing life.

51:41You're not very far from your karma limit, by the way. Oh, you order wine through there as well? Well, that was for a girls' night type thing. I have them pretty frequently. Pay off our debt night. Should be every night in your house. You don't have. You literally don't have money. You're at your maxes. You're just. I mean, there's always money to hang with the girls. No, there's literally not. You don't have money. So there's literally not. But I can just Instacart it. And corner it. So I do kind of have the money. I mean, I had to get the spending power.

52:24I don't know what to do with a creature like you. That's impossible. How are you not overcoming this? How is what I'm saying not breaking through to you? What the f*** do I do?

52:39What is M? Mercury. Mercury. And, like, this is, like, a credit card I opened, like, freshly 18, 19. Freshly 18? Well, when I was with the high school boyfriend. Gen Z. So like I just. Half of the charges are just junk. And I think I have been making kind of the minimum payment and not really able to. Yes, because you were freshly teen. Because everything now is about infantilizing ourselves. The younger we can make ourselves. Well, it just seems like so long ago. Like I just. I've lived a lot of life. It wasn't. In your life, it literally wasn't. It just seems like so many credit cards go. Well, yes, because you're a dumbass with money.

53:19But who cares? I just, I don't get it. It doesn't matter. Stop trying to make yourself sound like a child. And for that being a reason why, it's not an acceptable reason. When I was freshly 18, I went and got a guitar center card and I f***ed it by being a dumb f*** and buying a piano with it, a nice electric piano that I still have because it's really good. But it was my dumb ass choice. Not because I was freshly 18. But like a lot of it too, like I know it was my choice to open it, but I definitely felt the pressure from the ex-boyfriend like i needed to support him that part is in and out of jail like i was putting the money on his books like listen no he's a piece of he's a piece of and there is there is that's that's the only thing in this conversation that you so far have said that is more like i guess appropriately victim me in a way because you try to deflect a lot of things and a lot of bull**** excuses.

54:20But yes, he's a piece of s***. And I wish you would have gone away quicker. Me too. And I wish you had someone in your life to tell you that. But either way, that happened. And he's a piece of s***. He's in prison. Good. For what? Armed robbery. Sounds about right. Yeah. He liked to do... Well, you said he brought up OfferUp, so I got kind of confused because he used to meet up with people on OfferUp and rob them. Oh my f***. And yeah. This is insane. When you said that, I was kind of caught up. Can I call him? No, he's in prison. Yeah, can I call him? No. How would you call him? You can't call people in prison?

54:58That's not how that works. Wait. Okay, they have to call me. Yeah, yeah. It's like collect call, so you have to pay for it as well to talk to them. What? I can't get someone to go get them? I don't know. During COVID, they had where you could make video visits. with them for free because it was like COVID. But I can't like call him in the post show? No, absolutely not. How would you? Can you get in contact with him and ask him to call us? Well, like you can like email the inmates, but I haven't done it. Like obviously. So we have to wait for his computer time? Oh yeah, yeah. He's in prison, prison.

55:42Okay. You have an$82.80 minimum payment on this with a$2 ,292.32 balance. Purchases, you're still fucking purchasing. What's the credit limit on this? You're over it again. You're over on two and almost on corner. Lady, at this point, what the fuck are we doing? There's always money for Girls Night. There's literally not. We've talked about three debts so far. In two of them, you're over. In the other one, you're close. You are fucking this up so much. This is unacceptable. You are choosing girls night over your engagement. You are choosing your desire for sweet treats over your engagement. You're choosing makeup over your engagement.

56:27You're choosing you having a little bit of fun over your engagement. You're selfish and the actions that you are doing are disgusting. I am not going to sugarcoat it. 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. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation.

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57:44You will not regret this. This is f***ed. When you put it like that. Yes! How else would I put it? I'm just young and having fun. No, you're not. You're 25. I'm 23. You're 23. You're not being freshly 18 anymore.

58:05i mean yeah but i just i'm having fun like with my life and you're choosing fun with your life over your fiance no not fun with him though not fiance no not always it's just like when you the makeup is not fun with him the makeup is not fun with happiness and makeup is not fun with him is making me happy what do you even want to do for a living because this is going to be It's so hard to crawl out of with your eight, 20 whatever dollars an hour, 22. It's going to be so hard in Seattle and not cheap area. I'm working on promoting. So you want to promote within? I do, but I need to learn how to drive and work on driving.

58:43I have like severe. Why haven't you learned how to drive? I just have severe anxiety. Like I've tried. I've taken the written test multiple times. What happens? I've worked with, I panic and I like will stop in the middle of the road. Okay, I get it. I mean, I have a panic disorder when it comes to flying and nails. So I get it. Yeah. And I'm working on it. Like I see a therapist. I've paid for classes. Like I'm actively trying. But you do have to put in the action. And I know like in my future, I need to have a car. You have to put in the action. You can also take public transportation. You admitted that yourself.

59:11Yeah. So you're afraid of driving. You're okay with being in a car? Yeah. Or someone else? Like for the most part. At least Uber. You can Uber for now. I do always Uber. There you go. But like. 30 hours a week is no longer acceptable when you have to pull yourself out of this. Listen, I will gift you a certification of your choice through course careers. Have that boost your resume to hopefully get you up the corporate ladder a little quicker. Yeah. Well, end goal, though, I want to be a wedding planner. That has nothing to do with what you just said. I know, but I just kind of maybe want to have I run somebody else's company first.

59:41Hey, hey, hey, hey, you know what? You don't get to have those goals. You know why? Because you are in so much debt that it is holding so much risk over your head that you are literally unable to start your own business because you just can't do that. Because you don't even have an emergency fund for your own self. When you start a business, you want to go in risk-free. Best way to do that is to not have any bad debt. You have a lot of bad debt. In fact, max out bad debt. Best way to go into a business is having at least a year's emergency fund for yourself so you can cash flow your necessities while you are trying to put money and time into a business that will not return right away.

1:00:10That's what I did. That's what people do. That's what real people do who sacrifice and make an impact in this world. That's what 48 % of the job creators in this country do. That's right. 48 % of the jobs come from small businesses. I don't know if that's private sector only or including government jobs, but that's what you could do. but you don't even have the ability to do that. Do you know why? Because you have bad debt. It is holding over your head. You are required to have an income on the first day or else you won't make your minimum payments. You are holding yourself back from your dream.

1:00:36If you don't give a f*** enough about your fiancé to get out of this, hopefully at least this is the reason you would want to get out of this if you prefer to have your business and dreams more than him. If that's what gets you there, then that will... If that's what gets you there, fine. $60 and 40 cents of interest. And guess what? Yep, you're only doing the minimum payments. $66 ,048 of purchases. What the f*** is a bolero? Oh, that's a bowling alley. Great! That's worth going over a credit limit at 31.24 % interest. But that's just like an experience. Like, it's like I'm just living life. Like, being young.

1:01:14Like, bowling. Okay, she doesn't give a f***. Shut the f*** up. Shut the f***. Just stop. QFC. That's a grocery store. $10 ,048. sense um i don't know maybe yeah you went and got into bull you went and got like an energy drink or something maybe exactly i know what those i've been through enough of these well it's not like i just like walk to go and get stuff like that like it has to be like out of my way for me to want to go and it's 15 minutes 15 minute walk in america is actually pretty crazy but even still so it's the example like you actually have a very blessed situation most americans have to drive on a four lane.

1:01:55And I made it work. Like I've worked at made it work. It literally works now. I've taken public transportation. Like I I'm doing it. Like so doing it. It's not necessarily what I want. Your credit limit on two cards almost on the Klarna. Oh, good. Almost on Mission Lane as well because you owe one thousand two hundred thirty seven dollars and thirty nine cents. The credit limit's a thousand four hundred. So you're almost there. You'll be there before you know it because now there's no money to spend on the other card. So you just put them on this card. Yeah, there's no purchase. here. It will be soon because that's all you do.

1:02:25Now you can't spend on the Alta. Now you can't spend on the Mercury. So you'll spend on Mission Lane. Yep, betcha. That's what you do. I know how you work. How long does this take to pay off? Minimum multi-payments only without purchasing on it, which I highly doubt will actually be the case, but go for it. Maybe four years. Okay, it's going to take nine years. So you're going to be well into your 30s. Congratulations. That's a wonderful place to be debt with no yeah, nine years, nine years, until you can get engaged. How does that feel? How does that feel? That's great. Nine years until you can start your business at a minimum.

1:02:58That's really great. That's so good. Feels like my biological clock's ticking. Yeah, so there you go. No baby. $50.39. $23. She's not even$25. She's$23. Yeah. We just got to cut back everywhere. We just got to cut back everywhere. You need to make more money. You need to Uber. Like I can't stop spending. Yes, you can. Yes, you can. And you need to work with your therapist on this because you're just saying what I want, what I want, what I want. I mean, you can do things like switch your phone bill to helium for like 15 bucks a month. You can do small things like that. That's easy. There's so many options we can do.

1:03:39You don't need$250 a week on groceries. I know for a fact. You don't need to be eating out. You don't need to be getting your bull. This mercury. I mean, listen, you had fees last year, probably late payments. Yeah. I've never had a late payment. For the fees. Maybe because like. Does it have a card fee? It's at a 35 % interest rate. Kill me now. Yeah. No wonder he's not getting engaged. I wouldn't. This is a mess. And listen to the way you talk. Well, I think he doesn't also like fully know. Like he knows I'm in debt. Oh, he's about to know in the post show. He's about to know in the post show.

1:04:17I'm going to. This is crazy. credit one no actually I have two credit ones of course you do your entire image is just I fully understand it now I'm not surprised that you have a credit one the worst of the worst of the worst of the worst you have to be the worst of the worst why is it the worst though like because you get fees on a monthly basis that are stupid but it's like you don't even have to have a balance that get these monthly fees credit karma recommended why would you listen to that Wait, are you not supposed to listen to them? Why do you care about that? Because most of my financial prices come from them.

1:04:58What? I read all the tips and hints. Tips and hints are okay, but you're taking a recommended credit card. You should apply for one more card to increase your credit limit. Here's some options. And that kind of works if you don't spend on them. That's all you do is spend. You don't know how not to spend. You're draining my oxygen. with your stupidity. You just get fees endlessly. Oh, you go in here and you purchase$47 of Uber f***ing Eats? Uber f***ing Eats? That's more important. I don't drive. I don't drive. You shouldn't be going out to eat at all. It doesn't matter if you're getting it delivered or you're going.

1:05:39How do I... That should not be your f***ing excuse. That should not be your f***ing excuse, Hunter. How is that your possible excuse after this conversation you don't drive? You shouldn't be going out regardless. You shouldn't be going out regardless. It's just, I don't f***ing, this is an impossible conversation. This is an impossible conversation, credit one. Credit one, okay, credit one, let's see, huh? What do we got? Oh, good,$615.36 on a$700 credit card. So there you go, add that to the almost maxed out, well done. The minimum payment of$31, you get your fees, you get your Uber Eats, you get your f***ing minimum payments, you just get the bulls***, bulls***, bulls***.

1:06:19It's so stupid. So stupid. We're putting$47 of interest rate on here. It's so stupid. My New Year's resolution was to stop Uber Eatsing. Well, guess what? We're almost done with the second month and you haven't stopped, so New Year's resolution failed like all the other ones. Congratulations. I'm working on it. No, you're not. You're literally not. You just purchased an Uber Eats. Shut the f*** up. Shut the f*** up. You're a child. I'm borderline done with this conversation. Keep going and I'm f***ing out of that. Seriously, this is so stupid the credit one again four hundred twenty two dollars and forty seven cents It's been a we don't I have there was like a month where people are just horrible and I just had to kick him off You're approaching that level.

1:07:00It's been a long time. Just stop You're being a child thirty dollars I know it's hard to be on the camera for the first time in your life I know it is hard to get confrontation for the first time in your life You do not have to justify everything. You don't have to be a child. You do not have to be someone listen it is okay to take some feedback and just accept it 30 dollar monthly payment on this one oh guess what we got our fees we always get fees on credit one that's what the credit one's known for and then ten dollars of interest almost maxed out you got fees you got bullshit it's stupid it's pointless it's dumb you're ruining your life and you're putting this over your engagement over your business over your goals over your desires over your biological clock over your blah blah blah blah blah blah anything and everything you've possibly named oh good there's actually more to go through how the possible is that even possible plus one what is this i've never even heard of it in my life oh it's plus finance oh i'm sure it's just another one of the ones that credit card recommended that credit card karma yeah who gives a what they recommend dude they are getting a commission from you i mean on there in general when you open credit you're opening credit to get a certain reward that you want to do or on a credit building strategy but you just max them out so you're not focusing on the credit building strategy and you're not focus on the rewards either because you're just taking the ones that they're like most likely to get you be accepted of course credit karma is gonna or credit one's gonna accept you they accept anyone they're bottom feeders they also have this thing where like if you don't get accepted they'll send you 50 guess what everyone gets accepted for credit one they're bottom feeders so that's a dumb stupid thing plus one you owe 938 let me guess the credit limit is gonna be like a thousand or something let's see or 900 no it's oh it's 1100 it's the furthest you've been away almost$70,$160.

1:08:41Interest being charged. Minimum monthly payment being made. Okay, minimum monthly$34. And there's interest being charged. Six years to pay off.

1:09:00Upstart, why are you taking on an Upstart loan? Well, it was in 2021, around the time I moved out of like the Craigslist guy. I really needed money. I was moving around. I needed to get out of that situation. And that money helped. Yeah, it was it was rough. He had a tattoo of a camel on his big toe. Like camel toe. Well, don't make him sound cool. Oh, I would argue that that's not cool. I'm kidding. okay current but so what so you had to use to move out from the yeah well kind of so um yeah and like i moved like about an hour and a half away and with like my great aunt um and was just kind kind of trying to why have you had no stability i'm so confused why couldn't you move back in with your grandma um she's just older um i mean obviously that's her sister but you're independent still but it's a roof yeah that's all you needed right kind of did you need your aunt to do anything no um so how long were you with the man from craigslist yeah like maybe five months in five months yeah the whole time he was trying to yeah and i would like bring guys over and like he didn't care like just was kind of always uh trying to get after me uh well to be clear i i just want to be very clear you did not go in with the acknowledgement and consent and intention to no we never did absolutely i was because i wouldn't give a if that's what you guys were never interested but like i think what he was expecting was like oh a woman's gonna move in she's gonna want to sleep with me and do my laundry and like cook for me and like it's gonna be so great and i have two kids maybe she'll take care of them um but that's not what he got with me listen i i don't care what any consenting adults do if you go into it with that intention but you didn't so i don't they still yeah well and my great aunt actually came with me to view the apartment before like to make sure like check it out with me so like i don't know like you never gave in did you no good thank you thank you good he doesn't deserve that okay so five months and you had to borrow to get to your great aunt yeah you have to borrow to get to her well so it was like about an hour and a half away um so i had to like move my stuff movers um and just kind of What did you have in this house?

1:11:23That you were only there for five months? Wait, what? Movers? You needed movers? What did you have? Well, like all of my stuff that I like have acquired. I previously was in a house. You don't need stuff. We're on survival mode. You don't need stuff. Like I had a three bedroom house for a little bit. I know, but you don't need stuff. Honestly, it would have probably made sense for you to sell that shit. Yeah. To sell it and make money and pay off your debt. Looking back, probably. Well, still today. But I mean, yeah. How much of it do you have today? All of it. Sell it. But like, I don't care.

1:11:54I don't care. You're dying in debt and it's preventing you from actually don't sell it yet. Not until you fix your behavior or else you'll just build up. I actually want to buy a new couch. So like, don't like, I don't know what else to say. Don't you know why at this point everyone else knows why. And I'm not going to put the energy into the why. Like it's stupid. You think you're in a position to get a new couch? Well, maybe I can make payments on it. Me and my boyfriend. He doesn't have very much credit. He can do it. You can't. I mean, like$1 ,300. We were looking at a couple. Current bounce is$1 ,416.

1:12:34Fucking stupid dollars. The minimum monthly payment is$74. It's at a 32 % interest rate. $74.05 minimum monthly payment. I don't even want to let you finish that thought. It's the dumbest fucking thing I've ever heard in my life. stop being a pull out couch so I can have like my girls over girls over yeah I don't give a f*** about your girls go over to them go over to them go to a park with them go to the lake with them go to the f***ing little whales go to the whales go whale watching yeah go whale watching well from the shore for free that like boat that you can get in yes

1:13:23this is not a pleasant conversation i i hope you watch this back and see the things you are saying i know again you are not used to being in front of the camera really it's interesting how that works and you're not used to getting pushback i need you to watch this and reflect on this Well, my therapist actually told me I shouldn't watch it. You shouldn't read the comments. You shouldn't read the comments just like we tell every other guest. Well, every guest. But maybe watch the episode and reflect on it. Yeah. Download it or something. She said she was going to watch it. Good. Give me some feedback.

1:14:00Yeah, fucking good. Thank you because you're kind of insane. She won't like me saying that. But, I mean, there's 31 cents in your checking account.

1:14:22that's not so bullshit purchases what are we doing what is your life you don't give a fuck you've put no effort in to trying to do this thing that the boyfriend is requiring for fiance ship which is fair because you're being a dumb money and self-centered

1:14:47Apple Amazon Amazon Amazon Amazon Amazon Zelle $500 that's our rent Mac Remedy Amazon Apple Mac Target what is a makeup no that's the dispensary we go to like the ATM For f***ing lead? Yeah. I'm having Mac, Mac, Mac, Mac, Mac, Mac. Well, actually. I'm having so much Mac, I'm having hundreds of dollars of Mac. I used to spend a lot more. I've definitely budgeted it. I don't give a f***. I've seen hundreds of dollars of Mac if you're spending. Hey, if you're spending more, it's also f***ing stupid. But this is f***ing absolutely beyond so stupid. It used to be like$400. Dude, this is like$400. This has to be close.

1:15:39olive garden probably after you smoked a bunch of mac apple zellin out money mac mac ooper eats probably after a bunch of f***ing mac i didn't know you're a f***ing pothead now i understand why your brain is completely broken appleville appleville savings a dollar 72 cents practically more than our f***ing checking account look at us 734 in retirement guys we're well on our way pull up your phone subscriptions peacock and photos photos maybe but you've had every streaming service it looks like i mean come on on max there's at least white lotus that's great did you have peacock what the fuck is peacock for okay amazon

1:16:21yeah a lot of amazon purchase there's five things in your cart what's gonna be in your cart oh good some oversized long jumpsuit bull we really need girls therapy bold and easy coloring book you don't need a fucking coloring book just because you act five doesn't mean you need to really act five stop being dumb you do not need these artificial plants you do not need these drain cloggers you do not need these okay maybe you need the drain cloggers in the rope that gives the drain because your pubes keep going down the drain whatever

1:16:52Himalayan cheese Oh that's what my dog He really loves those Yeah and you can't afford a dog Well We just got him three months ago You can't afford a dog You can't afford a puppy You couldn't afford pet insurance To save your life You have a sense in your chicken account You can't afford a dog It is irresponsible for you to have a dog Me and my boyfriend share the dog though You don't recognize this You don't recognize this Listen not everything's a fucking fight Shut the fuck up You cannot afford a dog It is as easy as that jeez for f*** sake dogs dogs dog dog dog dog dog dog dog dog dog dog dog dog dog dog dog dog dog I don't care I don't care you can't afford it hidden expandable men's cozy hidden what's hidden expanding well every time he gets a boner and just hides it what is he expanding hidden what is it do you guys share an Amazon account no what the f*** is going on stupid stupid it's just stupid it's stupid It's stupid It's stupid It's stupid It's stupid It's stupid It's stupid I feel like I should yell at you guys For making me go do this stupid

1:18:01You're crazy You got$150 every two weeks Is your cut budget $400 every two weeks Is what you used to do I'm f***ing Yeah Can you say now you got$150 every two weeks Do you partake? Do I partake? I should have brought you some edibles I actually make them No thank you I'm okay I get anxious with them. Listen, I don't have, I don't have a issue with like, I don't have an issue with sex. I don't have an issue with beer. I don't have alcohol or whatever. If you, if you are able to recreationally doing something without an addiction, that's fine. But you are on an obviously habit pattern, a pattern that a lot of people base their life around eventually.

1:18:36Come on. More information is coming out that it is really not healthy for you. More information is coming out that people get more life dependent on it. Even if you don't get the withdrawal symptoms that you'd get in other things, you tend to feel sad when you're going away from it you tend to like what is the point of like i used to get high and go do this now it's not as fun to go do that anymore a lot of people are really recognizing this in today's culture i don't have a problem against something's not a recreational way i don't care i get anxious so i don't but i don't give a you are obviously in a habit-driven mode meaning if you stop things would be for you it's a part of my daily life i've exactly like been for many years smoking weed and I think like it is kind of like my medication a little girl a month and a half of your income goes to your annual amount on your cut back budget cut back a budget meaning three months went to it previously three months of your Starbucks working everything makes so much more sense and I understand why you are completely fried fried what is your portion of rent 875 875 dollars okay utilities your portion of utilities um well i pay the internet and the like puds is usually it's about 200 a month what the fuck is the pud that's like our electric bill usually like our key what's your phone bill uh 55 it's actually not the worst again i would switch to something like helium.

1:20:04I do. I'm also paying. How much for public transportation and Uber on a monthly basis? What do we allot to it? A lot. Come on. What can I allot? $100. That's it? Are you sure? That's on the high end. I don't know how you'd afford a car payment or a car insurance. Yeah, I think that's part of the problem for me, especially with all my payments. Ideally, I would cut back a lot of the credit card debt and then I could afford a card payment instead or car insurance. I don't know, man. I don't know. Shit gets real expensive. Interest rates aren't great. Car market hasn't fully corrected all the way down.

1:20:39I don't know if it ever will again. Well, I think I'd be willing to take out a loan maybe. Great. Let's delay the engagement in the business even more. Well done. Life has been so successful. Every loan you've been so good at. Everything's been so well. Yeah, let's keep going. Like a car loan. Oh, a car loan. That's not any different. It's only on a depreciating asset. Well, I just don't. I don't really know how it works. No. I'm not going to explain it because I don't think that's not where we are in this conversation. At this point, we're on the basic level of literally your minimum payments for fun are$802.56.

1:21:17It's fucking crazy, dude. Necessary food. You're allowed to contribute$300 to the household food. You're allowed to contribute$100 to the TP fund. This is also makeup. That is your Ulta. It is toilet paper. It is tampons. It is anything and everything you need. Medications on a monthly basis or any medical expenses. What? You said you have therapy? Yeah, but it's actually free. Cool. How much medications and everything? Like$40 on medication. Okay. Gym? Yeah, I have a gym membership. How much? 27. Subscriptions. Do you pay for pet insurance? I don't pay for it. Okay. No subscriptions for you. Canceling that bullsh**.

1:21:52Certainly don't need it. Oh, your phone bill is 55. I put that in the wrong area. Okay. Anything else that needs to be in your budget that I have not taken an account yet? Well, the... No. are you moronic that needs to be in there

1:22:09then with that I'm willing to cut it but it has to be in there a little bit it's not in there part of my fun or like that$100 like

1:22:22guys join us for the post show after this I'm gonna at least hopefully try to make progress with her boyfriend talking to her hopefully that'll help because after that That's the dumbest thing I've ever heard in my life. Shut the up. Hammer financial score. You join us in the post show and make sure you download the simpler budget app. So your finances don't end up like her. And you can take all of our classes bundled together for 15 % off. Join the over 10 ,000 people that have and have changed their financial future. I'll see you guys in the post show. Join below. Come on. Dumb. She said this is because you enable her.

1:23:00In a lot of ways, I... Oh, f***. Do you really think it's your fault? But we're having fun. Oh, good. They're having fun. Maybe you guys should get married because you guys are both f***ing stupid and you're both going to die in poverty. Let the rest of us watch you die and crumble. But it's fun! You know you guys are addicts. Yeah. To watch the Financial Audit post show, click the Join button below.