Pathetic Sugar-Baby Is Mad I Won’t Date Her | Financial Audit

35:38I did get a job within like three weeks of quitting that job. Yeah, but you had to take out a payday loan to pay rent. I did. Yeah, so shut the f*** up. There's nothing to be proud of there. You didn't accomplish anything. You're not doing what you gotta do. I'm still in my apartment. I'm still in my apartment. Because you have no other choice. You wouldn't be approved anywhere else. And that rent is incredible. Amazing. What? Just amazing. You have pretty eyes. Okay, we're not doing it. I'm not sending you money for tits, dude. Not how is it going to work? That is not your way out of debt. I wouldn't send you mine.

36:15I know someone in my life. I'm not going to out them. But every time he sends schlong pics to women. Yeah. He takes them from Twitter. It's never his. It's a business. And I don't do any because it'd be way too risky for me. So it's a business. Also, no one wants schlong pics. No one cares about that. I know. Boobs are beautiful. Who wants to stick a dick? They look ugly. They do? They look like aliens. Thank you for the compliment. You're welcome. Your eyes are far apart. You know what? You know what's crazy is when I worked at this other job one time, these mean girls, I was working in the ER.

36:49They made a meme about me of Sid the Sloth. Wait, why? They put eyeliner on it because they said that my eyes were so far apart that I look like Sid the Sloth. Well, I shouldn't have said that then. I was just trying to joke. Thanks a lot. Four eyes. It's true. Dude, I look cute in glasses. You do. It covers up my eye bags. Because I got... You totally do that. Zoom in on these things. You don't. These things are like... I'm dying. They look like pillows that I could lay my head on. We are not going down this train, dude. We are talking about debt. I'm easily distracted. You got to stop. What is this for Teva retail credit?

37:25Oh. So about that. That is... So have you ever heard of Invisalign? Mm-hmm. So this is actually kind of like... You don't look like you've worn them. i know i did but then i stopped wearing them so this is this is the cheaper version of invisalign it's called bite um i paid i think it was like closer to three thousand dollars for i did go i'm not opposed to that it's a self-confidence thing very big in america having straight teeth very important i'm not opposed to that but go on uh i wore them for four months like i was supposed to and then i stopped wearing the retainer so my teeth went straight back to why i don't get it i don't understand these people who don't wear the retainers why would i go through it again why would i go through braces in middle school again i don't get it because where you're in retainer well because it's the cheaper ass version of it you have to wear the retainer for 22 hours a day and i got sick of that so forever 22 hours a day yes what if you just warm a night though i could probably get away with that but then i was afraid of why not even try i was afraid of swallowing it swallowing and how is it what do you mean irrational fears okay i thought it was gonna like pop out and like come into my mouth that's what she said it's not smegoman you don't have to be afraid of that shit dude this doesn't make sense this was financed fake invisalign yes all right let's be real for a second dealing with car insurance is absolute death one minute you think you're getting a decent rate and the next you're hit with some random 50 dollar fee don't even get me started on trying to compare different companies it's like trying to find a needle in a pile of taquitos.

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39:38So if you're tired of throwing dumb, dumb money at overpriced insurance, check out money.com at the link in the description below and you can start saving now. Stop paying more than you need to. Your wallet will thank you later. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners why is it past due 315 fucking dollars why can't you just pay a damn bill and especially since you're getting a free what was that 4 000 or 2 000 from that dude yeah like why isn't it going to anything productive at the very least because i bought an ipad with that yeah it fixes teeth why not pay your damn bills i want to at least understand that why not pay your bills Because it was like the idea of I got what I wanted when I wanted it.

40:23And then. Yeah. And then you forget about it. But a minimum monthly payment you can just set up. But then you lose out on the money. What was the minimum monthly payment on this? I think it was like. You lose out on the money. This is why you cannot. You cannot. You cannot finance groceries. If that is your mindset. If that is your mindset. Then you cannot finance. It's only$50 because I get like$200 worth of groceries. No, because you eat out every day, every second of your life. Your spending accounts insane towards the end of this. Oh, well, this is the first time I've made this kind of money so I can afford it.

40:56No, you cannot. Are you actually stupid? I have to ask that real quick before I just explain this again. Is there stupidity? Maybe some of the tism. A little tism? Everyone has it. That's okay. You spent hundreds more than you made in a month. No you cannot afford it because you make more money You spent more money I need that to f*** it I need you to be able to comprehend that I had it so I spent it but you know what You spent more It never went negative No it's because debt's going up You f*** Debt is going up The first credit card the debt went up I don't know if this is complicated It's not complicated your eyes look pretty stop what the f*** are you doing what are you trying are you trying to be cutesy or something no i'm just complimenting you stop you already said the eye thing okay your hair looks nice stop what are we doing am i not allowed to compliment you no how about let's dude i am trying to have the f***ing financial conversation what are you we're having it and i'm just sprinkling in some nice things i'm gonna f***ing die you dude you f***ing kill me this This doesn't make sense.

42:12You're being so stupid. You're being so stupid. You're trying to cutesy your way through this conversation. Instead of facing any confrontation in your life for the first time, you're probably used to people just beating around the bush, not actually telling you how it is.

42:30What was the minimum monthly payment normally on this? I think it was like$150. Maybe. So your past due only a couple months? No, I think that's what collections do. this is in collections too i think so

42:46why would i have the statement from them if it's in collections because i got that off the website yeah why would they have a statement for you if they sold it off the collections they probably wouldn't have i don't know unless it literally

43:00sure okay where where are you in life right now literally do you have goals are you ever with I'm in school right now. You're in school? I am in school. For what? Criminal justice. That has nothing to do. Okay. Nothing to do with what? Wait, wait, wait. What are you going to do with criminal justice? Well, it's just you're in vet tech, so it's weird. Oh, no. I want to get out of that. I hate my job. Oh, you want to get out of every job you've ever been in. So I'm a little nervous that you're getting a career degree because you're going to leave it. I've always been interested in. What do you want to do in criminal justice?

43:33I want to work for the FBI. Doing what? You know, criminal investigation. what do you need for that uh you need a bachelor's degree and then you have to go to like a special kind of who's gonna trust you with anything i don't know that's why i'm going to school for it if you ever they may trust me because like your family like your family relying on you for anything if you're ever if you ever got married if you ever had kids if working for the fbi i don't get it you're a little trying to be cutesy around this not even caring about making a payment on anything how are you going to be responsible enough to deal with anything in your life i couldn't trust you for anything i have a house apartment i have an apartment i have a car i'm not saying you're homeless you have you have a minimum monthly uh an apartment payment or anything you don't own a home and your car has a loan on it so uh technically my car does and doesn't have a loan on it that's That's a slippery slope.

44:33Yeah. We'll get there, I guess. Okay. So my last clinic that I worked for. Okay. Okay. When I said we'll get there, does that mean you're getting there now? Yes. I am telling the story. So the last clinic that I worked for, the boss, like the big, big boss, he sold out his. A big, big boss. Yes. Big, big boss that opened the clinic originally, sold it out to a big company. But for whatever reason, he was still in the building. I guess he had like some kind of contract. Well, I knew his granddaughter in high school. Hold on. Hold on. I knew his granddaughter in high school. We used to be best friends.

45:08And so when I first started working there, he happened to come out of his office because he was notorious for being drunk and always being drunk in that office doing God knows what when he wasn't even supposed to be there. And he comes out of his office stumbling, asking me, you know, like, hey, how are you? You know, you're working here. And I told him I knew his granddaughter. and then I was his friend or her friend. So he's like, hey, come talk to me in my office or whatever. And this is right after I got my car repoed. With you in the first story, I have no idea where this is going. He is just talking to me like normal.

45:41And then my sister texts me because my sister is having to take me from to and from work. Her and my mom are taking me to and from work. So I look at my phone and I say, hey, I'm sorry for being rude. My sister just texted me. She's here to get me. He said, well, why is your sister getting you? And I said, well, I don't have a car. And he's like, why don't you have a car? And I said, I didn't want to tell him I got a repo. So I told him that I just gave my car back and I just was going to get a new one. So he bought me a car. He bought me a car. But this is the thing is I pay him$200 a month for this car.

46:19But I'm actually trying to get out of it because. How do you get out of it? This is where I'm getting to. So I'm going to have to buy another car. And I was looking because I applied for, I think it's like a, it's a capital one auto something or another. And? I applied for that and you get pre-approved. And they had some that I saw the payments were going to be like 500 and something dollars a month with like. No, no, no, no, no, no, no, no, no, no, no, no, no. Wait, wait, wait, wait, wait, wait, wait, wait. With like 30 % interest, which is better than the 300 interest that I had. So I thought it was okay.

46:54300, 300 interest. On the advanced financial one,$279. Yeah, but that's not for a car. But it's 30 % interest. So I was like, okay, that's not that bad. And then I can afford the$590 because I don't, this is why I want. It's not about a 40-minute. No, no, no, no, no, no. This is why I want to get out of this is because this man actually assed me. Oh, don't. Okay. But he was like a dirty old man. Okay. So it wasn't like that bad. Like I couldn't like defend myself. It wasn't like a thing where I was scared for my life or whatever because I could have like broke his leg because he's got osteoporosis or something.

47:29But I just. Then what? How am I supposed to defend myself if an old man gets pushed downstairs after he sticks his nasty tongue in my ear and sticks his hand up my shirt? How am I supposed to prove that? Because he was in the area with no cameras. So I can't push an 80 year old man down the stairs. Okay. Can I ask how long ago was that? uh that was like two or three weeks ago because my mom that was two weeks ago what no no no no no no no no how long yes how long um that was in like august september yeah i don't i i don't want you to get away from that connection as well um can you just stop paying it and okay the 30 car loan would be absolutely insane for you can you just stop paying it and your sister resumes to pick off drop off he has a lien on it that my name is on the title no but he has a lien on it that was the what yes oh so he could just have like extra control yeah so the way that it worked so you can't just get out of it like but they lied to me and said that there was a contract but there i don't remember signing anything having to do is it on your credit no it's not he paid the titles under your name yes loans under his name no it's paid in full so he oh it's a loan to him sort of so what had happened was is my my uncle um works for a car dealership and so we found a car at the car dealership and so my practice manager from them not the boss that bought me the car but the practice manager that works under him had gone with me and she just wrote a check for however much the car was in total and then i put my name on the title but he was a lien holder so the car is completely paid off there's no payments but i owe him for however much he paid so contractually yes but there is no contract we never are you sure yes because i never signed anything then how could he be a lien holder without a contract i i don't know talk to your uncle have you talked to your uncle i he'd have to pull up the pay or the the because he was there this is obviously important but i mean like the paperwork i think it's just a thing to where he can be like hey i want that back but i didn't know just i would just but then what i would but then i work an hour from where i live so i can't just have to get you away from a freak an absolute piece of i would ink with listen you have more money on a monthly basis like you have money because your living expenses are relatively low you're f***ing up your money but to get away from this absolute f***ing horrible person i would rather you pay for an uber there and back every day and i know that's crazy but for a temporary basis while we clean this up yeah that's that's one of my biggest if we can borrow cars so you know whatever we can do that's why i was because i was thinking about having my mom co-sign for me no no no it's the But also, I don't like the cosign then as well.

50:28Because you are not responsible with your credit. You are not. You've had a car repoed before. Do not get your mom tied up in this situation. I didn't make as much money as I do now. It's not a making money thing for you. It's not about how much money you made back then. Again, you quit your job. That's why the car got repoed. It wasn't because of how much you were making at that last job. The same thing can happen now. And you haven't sacrificed anything to save up a single cent for an emergency fund. and you already just confessed a few minutes ago that you hate this current job i think i have a sin stop stop that's not a joke i'm trying to get you away from this creep there are actual real implications here in life besides just the money part yeah i know i don't want anything to owe to him that's what i'm trying to help but then the thing is too is like my mom she has kind of talked down on she's like no he he bought you a car okay well did you know the whole story yes well tell her to fuck that i don't care yeah she downplayed it but then my uncle when he found out he was like when does he work i want to know when he works yeah yeah yeah no your mom's being a piece of i mean that happens you're just you're just gonna tell her to fuck yeah i don't know i'm sorry that sucks but i mean you can't convince someone it was like an eight-year-old man okay when you see him does he try to make moves and stuff he has actually asked you need to get away from this no i mean i don't see him anymore because i don't work for that clinic anymore that's oh okay i misheard that okay so we're safe in general in that situation but it's just i don't want to owe him no and i don't want you to either yeah figure out this contract thing from uncle first so if he's not able to take away the car then there you go just stop paying and keep the car yeah because the practice manager that's like his little minion she won't leave me the dude why haven't you talked to your uncle about just finding the paperwork i've tried and he i don't know what's going on with him he he's just acting weird he's tried it because where he works in a car dealership he's been trying to put me in a car but then he found like a car that was worth fifteen thousand dollars that was worth fifteen thousand dollars and they wanted me to put a five thousand dollar payment down before they would even allow me to finance it yeah probably because you couldn't qualify for the full financing that makes sense nope okay and that's not okay but then and then another big expense is my school i have to pay out of pocket for it i don't get federal funding because how much is your school right now um i took two classes and i think i paid two classes you're going you're going to graduate 2050 i have to get my gpa up before i can get federal financing because i have gone financing so you're just looking for loans regardless what's wrong with cash flow in school there's nothing wrong with cash flow in school your rent is nothing the only reason that i'm not qualified for that is because i've taken out school loans before that is i have school loans but i had changed my major and dropped out and it popped up like ppa dude you you you're not able to commit to anything in life i don't want you to go to school i i really don't i want everyone to go to school who wants to go to school you can't commit to anything in life this is what i really want you know for right today no no no no no no stop it stop it you've dropped out of school you changed majors you quit every job in every few months listen you're going to go into debt for this school and then you're not even going to want to do the thing let me gift you a course career certification let me do that there's not criminal justice on there but see if at least any of those take the free class see if if you associate with any of the programs there maybe i don't know i'm good with the criminal justice thing you're just in and out of things so quick because i used to be crazy uh dude you come on i know i'm i'm on anti-crazy medications now oh like different kind of crazy well i don't like it's listen um i have a note that says you just got into an accident of this car i did that was not my fault no i don't give a tell me about the accident um and the condition i was literally on my way to work i was like i had left an hour early and i was like super excited because i was just feeling good that day and i was like you know what i'm feeling good and then i it's raining and we're having construction on the road dude just tell me about the accident ended like going 40 miles an hour i was at a complete stop and this mother hit me going 40 miles an hour separated my exhaust from my muffler and he didn't have insurance.

54:41So just mufflers gone? No, like the tail end is f***ed up. He f***ed my alignment. The muffler. How are she driving? Is she drivable? I sound like I have a f***ing rice burner when I drive a lesbian car. But is it good? Not really, no. So it's not safe? Not really, no. Well, you can afford to take it to someone if you want. But is it really worth it to fix it? Yes, but he doesn't have insurance. So I'm fighting with my insurance to try and figure out what's going on with them. Absolutely. And it's not because the police officer that ran that report, he didn't even have his driver's license with him.

55:18And he didn't give a fuck because it was shift change. So I have no information on this guy. So I'm having to figure out who the fuck this is. How much is still owed on this car? Let's at least document it. You said it's a$200 minimum fee payment to the creep? Yeah. And I think I have like$10 ,000 left on it. Also wouldn't be the worst thing in the world to just come up with$10 ,000 as quick as we can and pay him off if you do owe him. If you do owe him. I don't want it to go to him either. But if we're just literally thinking about you moving on. Yeah. You know, get away from him so you never even have to think about him again.

55:54It just makes me feel sick to myself. Me too. Giving him$10 ,000. Me too. But like literally if there's a legal thing, like a legal loan here. Yeah. You know, it's a little different. right? That immoral thing. Yeah. It's like there might be a legal thing. It's okay. This is what I was supposed to talk about next before I talk about the carpet. That's okay. What is this? What the f*** is this? What is this? What did you get? Oh, it's at 159.57 % interest. What is this? You borrowed$1 ,900 for something, then the interest on it, the interest charges$1 ,436. What is this? Are you only speaking f***ing payments?

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57:42You will not regret this. OPP loan, I'm being told. Oh, yeah. Um, that was give. Sorry. Nope. Don't make payments for that anymore. Why do I have a statement then? Because I think it just went into it. But I do. Oh, I know where some of my money goes. I just thought about it. The payment's$166.81 a month. Okay. And it's probably$1 ,900 owed, but the interest is going to accrue. Like, man, when did you take this out and for what, possibly, why the f***? I think it was one of the payday loans that I needed. Why not? So in between the job change, you took a multiple? Yeah, I think it's up to like 9 ,000 of them.

58:269 ,000? That was a payday loans. That's insane. You're you're throwing away your life. And then I did think of some of where the money is going now. I've I finance a couch and a laptop. Yeah, it's funny. It's so cute. Like Aaron's. Well, you know what? I needed a couch and I needed a computer. You didn't need a couch and the computer probably. I'm sure you could have got a Chromebook and you'd have been fine. What kind of computer did you get? It's a Victus. I actually don't know. I mean, I'm a gaming person, but... Wait a minute. No, wait, wait, no, no, no, no. I have two different computers.

59:02I have a laptop and I have a desktop. Sell the desktop. I am not selling my$6 ,000 desktop. You have a$6 ,000 desktop? I did not. I did not. I did not pay$6 ,000 for it. How much did you pay? $2 ,000. Ah, that's where this came from. Okay, now I remember. Wait, what? Okay. wait what are you saying okay so my desktop this conversation is never this is this is my pc what this is no no no hold on so this is my i have a pc i have a gaming setup like a whole entire room for it it's beautiful okay it's a pc that's worth like six thousand dollars because i wanted to go into streaming whatever i had a friend how'd that go uh-huh go on i had a friend that i used to work with in the ER who had a car, he had a console.

59:55Then he went to PC. He built a PC and he had it for like a week and he was like, nevermind. I want to go back to console, but I the holidays mean more travel, more shopping, more time online and more personal info in more places that could expose you more to identity theft. But lifelock monitors millions of data points per second. If your identity is stolen, our us-based restoration specialists will fix it guaranteed or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year.

1:00:28Visit lifelock.com slash podcast. Terms apply. Do you know that you wanted a PC? Do you want to buy it from me for$2 ,000? So you bought it for$2 ,000. Yes, and then that's why I took that out. Ew! You... You... That is such a good deal. What GPU do you have? Let me show you the specs on it. You don't even know the specs of it. It's something you're so happy about. You don't even know it off the top of your... Yes, because I'm a huge gamer. I've always... Huge gamer doesn't know the specs of their computer. Because I was never a fucking PC gamer. Okay, but you are. You haven't now. You're so obsessed with this thing.

1:00:59You built a room for it and you don't know your damn specs. There's my specs. Fuck you. You don't even have the same size monitors when you do a monitor. Yeah, because one's a 4K and one's not. Dude, it's a fucking 2070. It's a 2070. Wait, when was this? When did you get this? Three years ago. four years ago three years ago i7 9700k okay it's only one terabyte ssd um this is not a uh that's not a six thousand dollar pc do you want to see what it the gaming room looks like that's a 2500 pc that is not a two thousand no well did it come with the monitors as well yes and like keyboard and mouse yes let's call it 3500 i actually i changed everything on it i don't use that keyboard and mouse on it anymore.

1:01:46It was you. Wait, when did you get this? I got this like three years ago. Oh, three years ago? Yes. Three years ago. I could see that probably being close to about four to five thousand. Exactly. So you got it for two. OK, great. But that doesn't matter. You took out a literally a hundred because I didn't take it. 159.57 percent. Crazy payday loan interest rate for a used PC. Yes, you have the Teenager little clouds. I'm so proud of you. Good job. You're 14. Yeah, thanks. Well done. I like it. Great. You don't have any money. I don't give a if you like something. I like you being able to survive and retire.

1:02:27I said I like you being able to survive and retire.

1:02:34Your hair has nice curls. Okay, stop. Every silence, you just... Is this what you do? You just... To get out of things, you just like start saying things can i not genuinely compliment you which is why no one just sits here and just starts in the middle of going through a hard conversation like i'm an observer well observe in silence you have to fill it somehow no do you want me to sit here and awkwardly stare at you yes okay so after pay this is all groceries no what is this what did you purchase 468 and 23 cents for it's actually worse what did you purchase that for what what what was the amount again what was the amount purchases 568 oh that's probably collectively what they're all it's probably yes i'm asking what you're buying oh some of it is grocery some of it's american eagle some of it is american eagle you really are 14.

1:03:33They have good quality jeans. What's the minimum payment on this? So it's actually... It breaks down into four, so I don't know. It's actually worse now. I've done more. Oh, the balance is worse. Good. Yeah, so my balance now...

1:03:51Let me look. Oh, wait, no, I made payments. Okay, never mind. So I owe three... Dude, we're an hour and seven minutes. Come on. Talk. I owe$379.91 but I have$1 ,020 available to spend No you don't cancel this What's your split in four payment? I have multiple ones The upcoming payments I have on December 19th is$39.06 Stop Stop I'm done with that Stop no I don't know I'm just going to guess it's like$100 f***ing books. Am I even going to write down your f***ing collections? I think I have four. I only have four. I have pages. What the f*** are you talking about? I think those are my... Huh? You don't know anything about your finances.

1:04:45You don't know anything. I was never taught. I was never taught. None of us ever are. It's called growing the f*** up and trying to learn anything. You're taught almost none of life skills, but you figure out as you go along. My mom was like 12 years old. She had me. Literally. Okay, cool. Congratulations. Good for her again. Thank you. We are not taught these things. Imagine if you could use that excuse for everything in life saying, oh, I was just never taught never to murder someone. Okay, but didn't you say earlier that it's good to have ignorance? I didn't say it's good to have ignorance.

1:05:16I said it's even worse that you know when you're choosing to do nothing than if you didn't know. Well, I was ignorant to it. I didn't say it's good to be. Yes, you were, but you're not now either way. is this not a valid excuse i'm not as bad as i used to be when you're approaching 30 it's not a valid excuse to say i just didn't know it's it's getting better when i was how literally you've made a payment on one of the one two three four five six things we talked about because what the f*** are you talking about when i was like when i was like 23 i had um like 30 thousand dollars in debt yeah and when i was 23 i had like 50 thousand dollars in debt it fell off uh-huh yeah and i actually paid mine like a fucking adult well because i wasn't taught anything either financially in fact my parents were horrible personal finances and i learned because i decided hey maybe i shouldn't live in poverty for the rest of my life you know maybe i'm still living comfortably no you are not actually i think i think i think there is a little bit of ignorance actually still left that we have left to just get exposed because the fact is the fact is you are not but because of the spending limits that you have and your cards and the fact that you haven't been evicted or anything because of that you feel like you're living comfortably.

1:06:32You're not.

1:06:37We'll call this collections. You didn't pay $245 to Citi. Okay, National Credit Adjusters. Who knows? How much is it for? I might know. $1 ,204. That is my repoed car. Great. $235 I don't know Wonderful Okay that's collections number three Oh that just went into collections Well done Everything's going great Other collections $1 ,140 I actually don't know what that one is for This one also went into collections this year And somehow you don't know even though it was just this year I'm gonna f***ing die I think that's it though It's not It's not? $2 ,819 from two years ago. Oh, I really don't know what that is.

1:07:25You literally just told me to read it off and I might be able to tell you. You were able to tell me one out of five so far. What a joke. $194 two years ago. Wait, is that still in collections? Yes. I think so. I don't know. I'm just going to assume it is. It's only been two years, dude. Did you pay it? Wait, this is the one. Oh, okay. So this is the$1 ,100. Okay,$285 is collection number seven. What is that for from this year? Yeah, you don't pay a single thing. You're not even close to having a kid yet or anything, are you? No, but I want one. Good. That's great. And I encourage that at some point.

1:08:08You are not even close to responsible in life. Not even close. Okay, this one literally just. Just, no, last year it went into collections. Kate, you really thought you only had a few? $23 ,377! That's my repo car. Wait, you thought the$2 ,000 was? It's not, it's not in my collections anymore. It's not. It's right here? It's not. So this is when they repoed it and then they auctioned it off. What about the... What's that? $0 actually. Yeah,$0. Nope. They're being said it's on your record until May 2029. Yes, you do owe it. So I'm putting it back. The repo? They deep-dived into your finances, dude.

1:08:55Why do you think it would just fall off in two years? Because the repo, they sold that and then they paid it. And then what was left was the$1 ,204. Listen, you just sent us this. You still sent this. Okay. Okay. Actually, I'm going to cross that off. unless we know for sure. I'm going to cross it off. Okay. Well, here's one that is for sure. Current. No, this one's current. This one we already looked at. What is that for? And this one's current as well. They're ones we've already been through before. This one's current as well. Oh, those are my student loans. So you had seven things in collections, and that's not including the repo car.

1:09:33You literally thought you had three, and that one's current as well. Okay. Very good. Wait, you said student loans? Yeah, I have student loans. How much student loans do you have? That's a student loan. I thought it was just what we looked over. So you already went to college? You cut me off saying that. No, you did. You did. You did. I remember. I remember. Yeah, I went a couple of times and I realized I didn't want to go for nursing. I think I have maybe$7 ,000 in student loans. Well, you're in school, so you're not paying. No, they're in forbearance right now. Are they private or federal? They're federal.

1:10:07I used to work for... No, that's my government job that I did have. Okay. I know the difference. It's okay. Just want to know if they're private or federal. Yes, I do. Because I'm trying to leave this conversation. Because you're wild. $903 in a checking account. Okay. Well, not anymore. You have$100. So, okay. $200 in savings. This was my paycheck. $200 in savings? Yeah. You didn't take that, Laura? Better than nothing. You told me earlier, one cent. Yeah, it is one cent. So you took it down from$200. Yeah, that was the deposit that I had to put in there. What a joke. I'm so done with this. And this spending is the most fucking insane thing I've ever seen in my life.

1:10:49Afterpay, DoorDash and Panda Express,$35 out. Venmo, Murphy, When You Went Inside and Got Some Bullshit, DoorDashed, Prime Video, DoorDash in China, Prime Video again. Where do you rent the movies every second of your life and DoorDash and rent it into your mouth? Apple Bill or Subscription of some kind, Cash App, Starbucks, Hulu Plus. Come on. door dash door dash door dash door dash this is disgusting after pay went inside got some bulls door dash door dash door dash after pay after pay apple this is this is seriously horrendous these things listen there's a lot of bad spending on the show but yours is door dash and after pay door dash this is so bad you love sub but you literally love the worst sub sandwich you can get Are you kidding me?

1:11:36Apple build, DoorDash, DoorDash, Sezzle, Inc., Sezzle, Prime Video. Huh? That was another pay in four. Oh, my. Kill me. Now there's more. DoorDash. Ah, there's you vaping. Afterpay. DoorDash. Afterpay. Afterpay. Cash app and out. 1969. Apple build. DoorDash. Afterpay. DoorDash. DoorDash. Afterpay. Microsoft. Netflix. Cash app out. $46 cash app and out $9 Apple bill What is this of you Apple Pay? You have a ton of subscriptions? I know you already do because then there's Roku and HBO Max as well Cash app, DoorDash Panda, Afterpay Amazon, DoorDash Panera, Crown and Wine, DoorDash and Little something, Afterpay Amazon, Apple bill again!

1:12:28And DoorDash and Wednesdays pull up your f***ing, open your phone Open your damn phone What am I looking at? Just open it and give it to me. Okay. Give me this. You're black. Everything's black and white. Yeah. Aesthetic. Yeah. Ugly. That's not nice. I've been complimenting you all night. No, ugly aesthetic of the black and white phone. You're not ugly. I'm not saying you are either. I said the black and white is. But you're not smart. I'm going to think about that for the rest of the day. you've had every subscription under the sun yeah at least luckily most of them are inactive and the faced face tune for what i used to be 270 pounds i had to bake myself like skinny and now i'm 170 stop door dashing i want to zempick okay i can eat whatever really you're zemping yeah zempick princess yeah apple music there's another expense 51 dollars a week 55 Apple Music that's your only active one okay yeah I can't then all those are just Apple Pays and bull so they're probably even more door-to-door and action stuff yeah imagine all that money just going into no I bet it also is is like if I go into a store and I use Apple Pay it'll show up as that $800 could be investing in your f***ing Moo Moo account the brokerage I use you could just f***ing it's the brokerage I use you could f***ing have it in there and have it just earn 8 % on your money.

1:13:58It was literally just sitting there. But no, we gotta blow it all on DoorDash. Is 8 % a lot? In terms of a return you get, yes. Well, you think 30 % is small, so I guess 8 % to you is not a lot. Okay, you got some pet hair removal things, some cream and necklace and more pet things and some leggings. I'm wearing those right now. Behavioral therapy in seven weeks uh you get three free therapy sessions for being on the show by the way with sounder mind yeah sounder mind they're really good i think um you guys get stuff as well in the audience it's in our resources section we put together a lot of resources so we're gonna take advantage of that uh you know it's lots of dog toys and lots of leggings why don't we need so many leggings now all of a sudden lots of our things got 10 notebooks and a million and sticky pads and colored pencils zero dollars in the cash app you're painting it No, no, no, no.

1:14:54This is money in and money out. What is this loan repayment thing through Cash App? That's another thing that you can borrow money from Cash App and pay it back. How much do you owe to Cash App? $75. Pay it! Just pay it! When you're in a bind. You shouldn't be. You don't need to be. $1 ,137 in 401k. That's a joke for your age. Joke. No, that's an actual joke. This isn't a comedic joke. That is literally you not ever being able to retire. You've given up the best decade of your life for compound growth. You've given up so much time you have no idea. So much math. You have just given up. Because I've taken some of...

1:15:37I could have had more, but I took some out of my retirement. I'm going to f***ing die. How much did you take out? How much did you f***ing possibly take out? I think it was upwards of a thousand.

1:15:54I'm sorry. I haven't had to say this in a second. But I have zero confidence in you turning this around. I'm really sorry. I'm sorry on a personal level. I'm just I have zero confidence. You don't do anything. You don't do one thing correct. There isn't one thing. There is no slight indication of behavior that I can pull from and try to just expand that. You do nothing correct. You take what is correct and you do the opposite at all times financially. And borderline life. Like, it's just, you just do the job, the careers, the fucking schooling, everything. How you pay your debts. How you got the car.

1:16:33Everything. This is so stupid. This is so bad. And I have no confidence. I bet you if we create this budget. I'm curious. I want to see the math. I don't think you'll follow it for a single second, but I really want to see the math because I bet you're going to have a ton of money left over. Okay. Rent again? 570? Yes. Utilities? I only pay, I think, around like maybe 100 in electric because my water is included. Internet? 80 to 90. I'm going to say 90. Rent is insurance? I don't have any. Should. I'm going to put in 15. Okay. No gas? No. So gas, I do spend a lot. Phone bill? No, I mean, I do spend a lot on gas.

1:17:15No, apartment, utility, gas. Oh, no, no, no. Phone bill? It's on my mom, so I don't pay it. Titled. When you get yours, do helium for 15 bucks a month. It's the same tower as T-Mobile's, and I know they work in Nashville. Gas, how much? Vroom, vroom, drive, drive. If I'm doing every two weeks, it's probably like$200 to$250. You said that's a lot. Okay. Car insurance? $89. Oh, come on. That's incredible. What the? Oh, what a joke. What a joke. What a fucking joke. Minimum monthly debt payments,$648.51. Necessary food,$300. TB fund, anything else you need to survive. Nails, makeup, toilet paper, cool.

1:17:59$100. Always make sure you're wiping. Medical, health care, the Zempik. How much of that on a week? So that's a weird thing. So it does buy tiers when you start out at first. Give me a monthly amount. at most I would pay, I think it's like 95 times four, but I don't do it as, what's a normal monthly budget for that? Okay. But that's what I'm trying to tell you is it changes because depending on what dosage you're on right now, I'm on$55. You wouldn't go up. Would you? Yes, you have to. Oh, but I've just spaced my, so it's in between 55 and 90. Yeah. Five. Yeah. Okay. I'm going to put it at, let's call it 80.

1:18:40Okay. Then you just shift things around. Any other medical ongoing things? No. I'll give you$20 for subscriptions. Why not? Yeah, I just have a Netflix. You have a pet? Yeah. No, you have it. You have HBO, you rent, you have Xbox. I have two pets. I have two pets. What? What do you have? I have a German Shepherd named Gara. Do you have pet insurance? No. What's your other pet? I have a cat named Bruce. Get pet insurance. I'm putting it in$60. I work in vet med. I get discounts. Still, that doesn't save you from a$20 ,000 surgery. are you going to allow them to die that at cost yeah can you afford at cost and also you hate this job you're going to leave at any second that's what you always do i'm putting in 70 for pet insurance shut the f*** up oh my gosh how much for animal food on a monthly basis i'd say a hundred dollars your cutesiness must get you through life with other people it is not going to help here and it's not going to help your finances it's not going to do anything I don't think there's anything else that I yeah what a joke $2 ,432.51 shut up I'll take it you think I'm funny I didn't say that have I laughed no I laugh when I think things are funny you have$803 left over and 23 cents plus child support when that comes in and sugar daddy money if I ever get it again Yeah, but that's been a half a year, so I wouldn't rely on it.

1:20:07Let's see. If we're not including the car. No, let's include the car. $200. The balance, dude. For f***ing sake. Okay, but let's not include the collections. So$15 ,448 divided by 803.2. You have nice strong hands. It's offering right now. I'm not that bad I'm not that bad Wait you have a girlfriend? No but also what the f*** are you doing? Stop I'm trying to finish this damn episode Lady you're f***ing insane $19 and 24 Or 19 months I'm making you mess up on your words You are because you're being a f***ing annoyance Like it's not funny A year and A year and a half And you're debt free listen do it or don't i can't for some reason i have to record a post show with here with her we have to do it for members i don't want to sit across from you anymore you just so make sure to join our membership and get over a thousand hours of extra content i realized that i was corrected by a producer earlier that i said ten thousand i think in an episode thousand over a thousand hours of extra content super fun super good let's get your hammer financial score you can join that link in the description below it's a four out of ten i'm spending a budget overspent 0 out of 10 debt you have collections 0 out of 10 emergency fund you have a i'll give you a 1 out of 10 being generous retirement i'll give you a 1 out of 10 being generous real estate 0 out of 10 hammer financial score rounded shut the f**k up rounded up i f**king hate you 0.5 out of 10 you're just obnoxious guys you can get all of our classes and everything 15 off you're gonna get them you won't be able to comprehend going through them good luck 15 off i'll see you guys in the post Get rid of your debt.

1:21:56Then I can shoot my shot. Are you actually trying to shoot your shot? Maybe. Do you actually have a crush right now? Yes. Evelyn has a very famous follower on Instagram. I do. Who? I do. Why? He tried to one time and I told him no. Why? He's just as fat. I have found you attractive. I don't know if I could date this. To watch the Financial Audit post show, click the join button below.