Repulsive Sugar Baby Milks Men For Money | Financial Audit

33:45Okay. Just forget I even mentioned those products. I really don't remember what you just said. Good. Good. And don't Google ways to get out of debt because some places will recommend things like that. But you're not disciplined enough to do them. So it is a good way, but not good for me. For those who are disciplined. Okay. Yeah. You don't know how to not spend money. So. Okay. Or manage a budget. Not yet. We'll get you there. You're not there yet. What interest rate do you think this one's at? I don't know. What do you think? 20. 27.24. Why are they all that high? Because they're a credit card and rates are at...

34:22But they don't have to be that high. They want to make money and there's also a lot of risk involved in giving someone like you access to money. Well, that makes more sense now. Yeah. One, it takes on risk from the bank if I'm looking at the bank perspective. But two, also they're just money grubbers. They want it and they know they can take advantage of people like you. I'm not saying it's a good thing, but they know they can. So they do. And interest rates are also high at the moment. So interest rates, when I started the show on credit cards, they're sitting close to around 20%. Now they're around 30 % because interest rates have gone up to combat inflation.

34:56Yeah, my dad told me that. You didn't know that? Outside of that? I didn't know. I thought it was on the houses because that's all we talked about. We didn't really talk about credit cards. You and your dad are talking about houses? Well, we have a house together. Me, my dad, my mom, and my boyfriend. they got it for me wait what does that even mean what does that even mean every time I explain this they're saying that it's not my house but it is my house once they pass and I know how old are they I don't even care how it sounds I just wanted to know how old they are I'm only thinking from the financial situation 53 okay so I don't know I'm asking her.

35:44Oh, you looked at her? Sorry, my eyes were closed. I forgot she's over there. It's a conversation between me and you. Well, you shouldn't forget about your fan. Well, it's a conversation between me and you. Okay, I'm sorry. So what's wrong with that? Because they're going to put it in a trust. I need to know the structure of this a little bit more. So what do you mean they bought... So are you on the mortgage? No. Okay. Good. I couldn't get a house. That's why they get it. Yeah, no sh**. That's obvious. Nor would I want you to get one. okay because you'd be house poor well i saw how much it was just for them to get it i mean that's just ridiculous why would they do this because i am they knew that i always wanted a house and that they gave me that as a present i guess i'm gonna be candid and it's kind of like our titles i mean but i'll be candid this isn't me disliking you and i'm sure many parts of your life are good but when it comes to your finances with your boyfriend with your parent with your spending with your management you're a spoiled brat you think so you are a spoiled brat how do you just your parents literally got a mortgage because you've always wanted a house everyone's always wanted a house your boyfriend gives you money for you to spend on sweet treats and you spend double what you make okay yes you have to have your red bull so you're willing to go into debt for that and have someone else buy your house and give you money spoiled brat not as an insult I just want to call it as a see it we can fix that if you actually want to but your actions right now are the actions of a spoiled brat and I'm not going to just coddle fine do you agree or disagree well I think that my boyfriend should still send me money I don't think that why do you want it to be like a sugar baby sugar daddy situation I just want him to take care of me that's all it's not even taking care of you it's literally you going and spending more money well he can send me money every now and then to do nails which I didn't get okay and I listen I again I love giving gifts I do and if anyone ever wants this uh you're trying to be a sugar daddy yes no not really no I love giving gifts but I give gifts out of just you know love for friends love for family love for you know if I'm dating someone but if someone was coming up to me the person I was dating and like give me money it's don't say like that you make me sound bad okay it's this it's it's it's also enabling you as well okay there is that i i can see yes which is not helping you or your future right and your parents potentially enabled you so you're not on the are you on the deed we don't have but they put it in a trust there's a no they're going to and i don't know any of why haven't they set up the trust yet what happens if they die tomorrow exactly and that's what i told them i said y 'all need to do that because somebody had told them to do it since it wouldn't i wouldn't have to pay taxes or something i don't really know the whole thing the whole gist of it well my fear is well you're not okay what my fear was is that you were also on the mortgage and what would happen if they like died today you would be in a situation that would be right so listen again i think this kind of goes in the way of like you know a little bit of spoiled which it's okay to be spoiled by the way it's more the demeanor and your actions around it that matter more people can be like spoiled as kids and turn out to be really good people yeah but if you think you're like you're entitled to things and you got which you demonstrate through your spending and through your behavior with boyfriend um that's where that kind of throws me off and wow this episode's wild why this is just a wild conversation.

39:30I'm just realizing now this is hitting me. This is intense. We're 40 minutes in and I've talked about two damn documents. We're going to be here for a second. And I'm conducting job interviews in an hour. Oh, really? Good for you. Thank you. I appreciate it. You may need to do some of those soon to get more money. Probably. Our budgeting program, which is provably the best that can be taken anywhere online is now bundled with our investing program where you can get$100 in cash gifted into your Moo Moo account. This is literally the best education you can take in your life right now to turn around your financial life or take where you are and make your life even better.

40:15These are bundled together for a limited time for 15 % off. Check them out. Links in the description below. All right, we have a Quicksilver card. Quicksilver. Oh, that's capital. I don't know what they're called If you say Capital One Then I'm like okay But I don't know what a Quicksilver is Sorry I don't know what the context of that was Well you looked at me like I was stupid No I was waiting for you to say What you were trying to say I don't think you're stupid Listen I'm sure in many aspects of life Again that you're probably great at your job You're probably great in the pharmacy world You're a dumb f*** of finances I'm pretty okay at finances but I would be a dumb f*** in the world of pharmacy.

40:56It's okay to not know things about things, but then you just listen to the people that, you know, have success in certain areas. That's okay. I'm a dumb f*** on a lot of things. Sit me down in a geometry class, and I'm like, I don't know what's going on. You know, I just, like, I f***ing grow, like, 10 more chromosomes. Like, it's just, you know, it's just a wild situation. Yeah. Okay. Well, I appreciate that. $1 ,409.41 with a$51 minimum fee payment. yes you are to the credit limit right there you're basically at the credit limit again all of them are really? yes all of my cards and$37 of interest is occurring what do you think the interest rate on this card is?

41:38I guess another 30 % yeah we'll play that game one more time because now you're catching on 30.49 % interest is occurring thank you thank you thank you for not spending on this card I don't spend on my card? I'm confused well that's telling me that you did since this statement probably since you also told us that you've been spending more than these statements reflect which is crazy because you spend double what you make well I don't have any money to spend so maybe that's why can you pull up your app for me

42:17right now alright I'm a little sneaky little sneaky thing. Is it the same? Pretty darn close. Your credit score is in the 500s. Yes. Oi, oi, oi. We're not looking at flights. She has no money. We're not looking at flights. There you went. Well, I'm going to Cancun in April. It's for a friend's... You're legitimately just sucking everything out of me right now. It's for a friend's wedding. Congratulations to them. I don't give a fuck. Who do they think they are having a destination wedding and feeling entitled to have everyone have to go there? No, she doesn't. We don't have to. Oh, she said. That's great.

43:09Oh, that's wonderful. We're not going anymore. Oh, that's so exciting. No, we already said. Guys, that's so good. Huh? We already took off and everything. Ring, ring. Hi, bestie. I'm borderline going to live under a bridge in like two seconds. I'm not going to come to Cancun. Okay. Ring, ring. Hi, coworker. I'm. Especially because you went and you did sense this statement just a few days ago. Went, got a Red Bull, the gas station, interest charge. So, yes, you are still spending on it. This is ridiculous. You have a little bit of room to spend on here. You're just like, we better go swipe. I got to swipe.

43:47I'm not going to live if I can't swipe. I got to swipe. I'm a swiper. I didn't have that much in my bank, so I had to use this. To get a Red Bull. Yeah, because that's a necessity to live. What are we talking about? What are we doing? What are you talking about? If you were making your rent or like a pet emergency because they ate something that was making them choke. Like, I get it. That's different. You're getting a Red Bull. She gets Red Bulls all the time. Can you afford them? And she can afford them. Great. Guess what? I eat out a lot. I'm a fat. I can afford it. It's in my budget. I have a six-month emergency fund.

44:22I've contributed minimum 20 % to retirement. I can afford it. You have maxed out credit cards. You're spending double what you make. You do not. I don't even know if you have. Your retirement's basically nothing for your age. You have no fully funded emergency fund. No, you cannot afford it. Okay. Fine. You can be an adult. What is this? Toyota. So this is a car. Yes. What is this? I have two. It's a Corolla. Yes. Two? Yeah, because I got one for my boyfriend. He needed a car. He needed a car. He could have got his own car. He's your boyfriend, not your husband. His credit is bad. So is yours.

45:00Yeah. Well, obviously, it wasn't that bad whenever I got it. What do you think? You know, you're seeing because there's no interest right up front that this is good. You know, with this lease, they're baking in fees. They're breaking in whatever they want in order to make any kind of money on this. and they are baking it into your thing and then they're extending it out with these minimum payments to make it feel like it's somewhat appetizing and then at the end you still owe and when did you get this when did you get this when did you get this yeah when did you get this the corolla in february great so used car market prices were higher so really in reality your buy out at the end because they bake that in at the beginning what the car is going to be worth if you put a certain amount of miles on it if you were to buy out which it sounds like you're not going to anyway but if you were to buy out guess what it would be more expensive than the car would likely be worth at that point anyway because year over year used car prices have gone down 10 but again that's plummeting down and you're buying on the way down not buying leasing so who knows what value and what was baked in with this but all i know is you spend 544 dollars of money you don't have oh no that's not my payment that's my boyfriend's payment Your boyfriend's payment.

46:10Does he pay it? Yes, he does. I drive that car. He pays for it. Okay. And then I. What are you guys? He uses the truck, which is the original one that I got. He uses the truck and pay and I pay for that one. So we just switch. And you just want to keep leasing and leasing and leasing and never own an asset in your life. No, this is the first time I've leased. Thank you very much. You're welcome. But you said you were going to get a lease again. No, I didn't. So you're going to buy a car through that. Yes. Okay. And that's why they're saying. With a 500 something credit score and no money. It's going to be better in six months.

46:46How? Because I'm going to make it better. Oh, yeah. That's a great exercise. What? That's not how the things work. You have maxed out credit cards and we just pulled up your statement just a couple days ago. You just brought the balance back up even though it started to make a little bit of progress via your minimum payments. Because you're like, I need some webbles. I don't sound like that. but that doesn't get our credit score up okay wanting wanting something in six months is not a path to success okay it's the actions and the actions you're doing are they will help me out to get a toyota because i've given them listen because i've given them people to buy cars there as well my my mom my dad my brother everybody's gone there i mean they don't have those cars anymore they got you know my mom got a mercedes and they will help you they will help you complete their sale which will get you a car but at a pretty good price how would you even know my if my payments are lower i'm happy

47:55i heard you have a spray bottle you should use that on you right now you care about the least important thing okay it's not the payment why because the way they make your payment look better is by stretching it out to like an eight-year loan what you need to i'm not doing an eight-year you don't know you would do whatever it takes to get the payment in your area yes you would i know that again this is not talking uh bad about you this is i know people like you i talk to people my car is different i talk to people like you every single day i know what you will do to get this payment when you're in the room because that's what they will pitch you fine what's the longest you would do what's the longest you would do the longest i've ever done ever done i don't care what you've ever done car prices regular right now five okay well that's still you shouldn't do more than three i can't make that kind of payment oh good that means you can't afford it so then i get a cheaper car there you go ten thousand dollars cap it buying in cash by saving up being an adult.

48:58Are you kidding me? I'm not getting a used car. Oh my gosh. Okay. Whoa. I am. It is rare that I do not talk to someone from the audience since your cousin is in the audience. This is really rare. The amount of delusion in this world and entitlement you have. Remember when I called you a spoiled brat? Yes. I'm not going to get a used car. You're a spoiled brat. No cars break. used cars break cars break we get an educated purchase we take it to a mechanic that we trust oh my what the is there to do here like with that mindset there's like there's no hope there's no hope what what you're not willing to get something that's not a used car what's a median new car How am I supposed to know that it's a good car?

49:57How are you supposed to know a new car is good? You can get new cars. Because I send it over to, you know, Toyota and they do whatever they need to do with it. It's free. Congratulations. Congratulations. Do that with the used car. But then I have to pay out of pocket for it. Dude, if you literally can save, if you get a$10 ,000 car versus a$35 ,000 new car,$40 ,000 new car, you're probably going to get like a$50 ,000 new car because you're going to need to have all the bells and whistles. Oh, I know people like you. listen what you just said you're a spoiled brat yes you will that no you can't afford what you'd get anyway so regardless if you can save 25 000 15 000 by paying 500 hours to get a car checked out i think what what's the bigger number 15 000 or 500 okay i know what the answer is 15 000 what pay the 500 what what maybe i didn't listen i'm sorry i zoned out for a second Sorry.

50:53If you can save$15 ,000 by getting your$10 ,000 car checked out for$500, what's a bigger number? $15 ,000 or$500? Oh, okay. Now I see what you're saying. So why the f*** would you not do it? Because I don't have that like in the moment. We're talking six months from now. I think we can prepare$500 in six months. you think you can what you think i can save 10 000 in six months even if we leverage it you can do three years 20 down no more than what is the money guy 18 of your income we could do that well with your hours cut the income that's gonna be hard again the thing you care about with car payments is the last thing to care about okay listen the minimum payment is important but But that's all you're looking at.

51:51And taking it out of context, that is not the most important thing. The interest rate, the term length, the value of the car versus the real value of the car. Because you're likely going to – they're going to sell you a car that's more expensive than it's actually worth. They will. Congratulations. It's their job. You're not some special extra angel customer that gets nothing that no other customer has ever gotten in the history of the world. You're not that unique. I'm sorry to tell you. None of us are. Well, I will say on the leases, I didn't really pay attention to... 8 % on minimum payment.

52:24I think I said 18, sorry. Oh. For the rule, 23, 8, 20 % down three-year length of the car loan at 8 % of your gross income max. You're going to write this down, right? Yes. Okay. Because I don't remember. Either way, the minimum payment matters, yes, once we calculate the interest. if you're making sure you're getting a good deal on the car and the term length is reasonable. Then the minimum monthly payment matters. When people like you only look at the minimum monthly payment, they will get whatever term they need to extend to in order to make the minimum monthly payment, regardless of the interest rate or the value of the car, fit within their budget and make it feel affordable.

53:03So it's a dangerous perspective the way you're looking at cars. I need to be real. The way you're doing this right now is you literally retiring with unable to pay your rent. And then you're going to take over a mortgage that you can't afford because they probably have a 30-year fixed rate mortgage. And hopefully they live that entire 30 years and maybe they pay it off. But if they don't and it's in a trust where it goes to you, you're still going to have to pay it. And in no context here are you able to pay for anything at all. Whatever. For f***'s sake. Listen, how much longer is left on this?

53:41On the Corolla? I don't know. I think it's three. No, I think it was three years from February. I don't know. Does it say on there? I think it says it on there. 29 months remaining. Great. So we're basically baked in. On that one, yeah. Buying it out when it makes sense. Okay. So the Tacoma? Mm-hmm. The old one? Yes. Okay, now he pays the lease you said. So he gives you that money? Yes. So he gives you the 544? Right, so that's not mine. Well, no. You know what happens? He leaves you or you leave him or he dies or he loses a job and then you have to pay for it. Okay, let me just explain something to you.

54:33I had an ex-boyfriend and I did the same thing for him. Yeah. And he paid it off. Okay, sounds like maybe he had a little bit of integrity. What if this guy, you guys have a messy breakup? again what if he dies he would never do that he would never die okay i didn't say he would never die oh my god he would never not pay it yes is in this what you say listen listen that the world is not roses and flower fields this is not what it is you say that you guys have a loving relationship right now you the world is unpredictable you had a good experience with an ex and i am very happy for that and also i can't believe that this is the second time that's happened you cannot be you cannot allow yourself to get into this risk you do not understand the risk of this you do not understand the risk and so many people have gotten in situations where they take loans off with the family members for exes for things like that and then they get in a position because the other person doesn't pay it for whatever reason yeah and listen if he doesn't have any money because he loses his job he doesn't have any money to give you regardless if he wants to so like this you don't understand the risk behind this is dumb it's dumb as okay no i really understand you like i said when you explain it to me that way then i i get why you're so angry it's not angry i'm scared for you terrified for you it's because you just don't realize how bad this is and i'm it's it's it's just crazy and just the situation you're in i know where it ends up we've had people on the show in their 60s and see where this ends up multiple rounds of bankruptcy and nothing to their name.

56:08Okay, so the Tacoma, this has a loan on it. Not a lease? It's a lease. So that's bad? Did she not just tell me that the other one was her first lease? No, no. Okay, I feel like you don't listen very well. Pet emergencies can hit hard and fast. One minute they're fine, and the next you could be facing a mountain of vet bills. That's where Spot Pet Insurance comes in. With plans that have comprehensive coverage for accidents, illnesses, hereditary conditions, and even behavioral issues, Spot ensures your furry friend gets the best care without breaking the bank. They offer customizable plans so you can pick the coverage that suits your pet's needs and your budget.

56:55Plus, there are no age limits, so even senior pets are protected. With plan options with high annual coverage limits, and no lifetime limits, you get peace of mind knowing that Spot has your back. They also offer preventative care options and flexible deductibles, making it easy to manage costs. You can take advantage of fast claims processing and the freedom to visit any licensed vet in the United States. Don't wait for the unexpected. Click the link below to secure Spot pet insurance. Keep your pet protected and your wallet happy. Because I said this was the first time that I've leased before, not this is the car I first leased on.

57:35Well, I don't know. I mean, we had that statement in front of me, so I don't know. Who knows? This is a messy conversation regardless. Well, that was my first original lease. Seven months left. What happens at the end? We're going to get a new one. With our wonderful 500 credit scores. It's going to be higher. Hope is not a path to success. But I'm willing to work hard. Look, I gave up the Red Bull. No, you didn't. Yes, I told you. I said I promise I will have coffee. Oh, so you saying that is you giving it up? Yes. Okay, so no actual actions. Just you saying you'll give it up. I mean, we just talked about this right now.

58:19Come on. We just talked today about me not having Red Bulls. I haven't given you the chance. Well, I know. You said I gave it up. That would indicate to me that you had given it up. Well, okay. You're saying you gave it up now. Just now. Okay. Yes. Well, let me give you a little bit of context. Walk you through this. Again, we have a follow-up channel. I mentioned that we do follow-ups with people. A lot of people have told me a lot of out of the four to five we recorded these a week and released three. I've been told a lot of things that people are going to do. That means nothing to me. Okay.

58:56Doesn't do it. Prove me wrong. Because that means that you would be living a better life. Please do. Please do. Because that would mean you'd be living a better life. And I would much rather. Of course, I want to be wrong on that. But just based on so many experiences on the show, it's just like, okay, you might do that for a month. Then a lot of people, they just fall into their old ways because they don't have the discipline required. They're not able to see that end goal, the light through the tunnel. They're just not able to. They just get stuck in it. Okay. Seven months remaining on this.

59:26Yep. then we're in whatever situation credit one credit one is an indication of you essentially being in like the worst finances possible because the only people who take these out are the ones they get them in the mail and you just allow yourself to take it out and you have multiple credit ones it's as bad as it gets there's all these fees on a monthly basis what you tell me what I don't want to say it What? What is it? Nothing. What am I reacting to? What am I reacting to? I haven't been making payments. What are you? It wasn't just the first card. Okay, but this just started three months ago.

1:00:13Because I couldn't afford it. Three months and no payments? Couldn't afford it? Are you kidding me right now? That's going to piss me off. That is going to piss me off. That, again, spoiled brat. You spent$500 going out to eat. You spent$135 getting Red Bulls. Okay? Unknown shopping, like usually Amazon,$146 couldn't afford it. You chose not to afford it. Okay. You put your shit that you wanted over it. And then you took money from your boyfriend and had your parents get a house for you. You couldn't afford it. I did not have to do it. You couldn't afford it. That's bulls**t. You chose not to.

1:00:51And that actually makes me angry. this is what angry looks like because that's that's you being a spoiled little brat who's not willing to sacrifice anything not able to afford this is money you borrowed that you owe and listen if you're against credit cards and you're just morally like okay i shouldn't have to pay it that's a different conversation you not being able to afford it absolutely not you chose to go eat out and just be a spoiled brat instead of making the payments that you owed so don't ever say that again. Don't ever try to be I couldn't afford it victim. You're not a victim. You're a victim of your own lack of discipline.

1:01:25Fine. Fine. A KFC tale in the pursuit of flavor. The holidays were tricky for the colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's $4.99 chicken pot pie. Warm, flaky, with savory sauce and vegetables. It's a tender, chicken-filled excuse to get some time to yourself and step away from decking the halls. Whatever that means. The Colonel lived so we could chicken. KFC's Chicken Pot Pie. The best$4.99 you'll spend this season. Prices and participation may vary. Supplies last. Taxes, tips, and fees extra. I don't know what you want me to say. Maybe accept a little bit of responsibility.

1:02:03And acknowledge that you could pay this if you chose to. Okay. Is that you acknowledging that you could have paid this if you chose to? Ha, ha, ha. Ha, ha. This is great. Ha, ha, ha. Yes. Lovely. Our life is ruined. That's amazing. My life is ruined. Now that you're telling me all this. Do you accept that? Okay. Yeah. Oh, my. I look those resources will be great for me. The ones we give you? Yes. Right. Yes. But their education. It's still the actions you put into it afterwards that matter. I'm determined. I really am. No, no. Look, like I'm determined to go to school. Like I'm determined to, you know, become a pharmacy tech.

1:02:51I didn't think I was going to do it, but I was determined to do it. And I did it. That's one thing that you cannot take from me. Why would I? You did it. Okay. So I have no objective. I'm telling you I'm determined to get this. When have you become determined to figure this out? Well, today, because you're yelling at me. So this is what's made the difference. You didn't realize this yesterday. I did. but okay then why haven't you done anything to change this before because i just ended up just not caring and what is different now um you kind of scared me okay so yeah because i need to have money to retire oh yeah like nobody's gonna be there to help me then so mommy and daddy and i want to take care of them eventually but with this i can't because they're getting older i'm not saying they're old now but you know eventually and with medical issues you never know what can happen so i need to give them back what they've given me they're great parents um they sound like great people but they might be enabling you okay but it sounds like they have a great heart oh my My, the balance is$1 ,521.04.

1:04:17This is about to go into collections, and you think that your credit score is going to increase? I don't know what the you're on about. And the credit limit of the$1 ,521 balance, the credit limit is$1 ,150.

1:04:33The normal minimum payment is like$116, but you owe $439 because you don't know how to be responsible and make payments and cut back on anything. Wonderful. Late fees, annual fees, interests, all the good stuff. All the classics. Alright, let's go on to the next credit. One. Credit one. Number two. Come on down to$1 ,314.18. and the credit limit on this is$950 wonderful $150 minimum fee payment but guess what what we owe is$434 because again we don't know how to cut back on our spending money we don't have wonderful credit one oh credit one number three

1:05:30yeah they told me you would get on my ass Who they? That one. And other. We'll bring your cousin into the... Because you threw some things for Wayne saying, she does this, and she knows the show. We'll bring her into the post show. You can be on camera or off camera. It's up to you. We'll give you a mic to talk. And you can explain how you see the situation, how your family sees the situation, and defend the things that Miss Amanda has thrown towards you. So we owe$2 ,022 on this and 74 cents. With a credit limit of 1 ,550, what are we doing? So to be clear, I mean, any kind of car loan you get with this is going to be like a 25%, 30 % loan eight years because these are going to go into collections and your credit score is only going to go down.

1:06:19You owe 477, shocker. But the normal minimum of the payment looks like about 110.

1:06:30fees interest classic and it continues an hour and seven minutes into this my bladder is still full i'm sorry ufcu credit card 423 and 59 cents with interest charged 5.12 cents in fees oh my this fee is a late thing i'll send ten dollar minimum fee payment and the fee is ten dollars and 91 cents all right what was the fee what was the fee wait what was the fee how much was it ten dollars and 91 cents available credit of 76 dollars what was the fee ma 'am something tells me it's a late payment so there was one late payment um and knowing you that one means there was two

1:07:28um i mean maybe yeah but the reason again is because of the notifications i went to them though and i asked them you know how can i resolve this and they said that there was nothing about the notifications that they are able to do so i set up a notification on my phone i don't know how to do that on there that's okay well i okay or maybe like just ask them or download the app well i have the app then auto pay should be there go to the website it's always it's there are you sure the usd one has every they all why do they not have notifications credit one has stupid notifications notifications of what that a payment is due yes i probably do it's probably in their system somewhere just turn on the minute it's ten dollars i know course careers i love you guys you guys need to just come out with a course a certification of how to not be a dumb on credit cards because i want to gift that to you okay but you don't need any other certification because you're going to be going to school and getting a great career a little nervous of how you're going to be paying for oh my what's it called?

1:08:41loans? how I'm going to be paying that? how are you going to do anything honestly oh it was a late fee there it is there was a second page we knew it okay wait it wasn't even a f***ing joke you've had two this year

1:09:00you're a meme you're a debt meme which sucks because that's actually bad for you sorry it's like don't be sorry to me this is your life no no offense i'm gonna walk away from here and i'm gonna give you the resources we're gonna ask and answer any questions you ever give us and i'm gonna you know hope you do well and hopefully talk to you again but i'm gonna walk away to a life that has been budgeted. You leave here and you have to take care of this mess. You got yourself into this. Don't be sorry to me. This isn't about me. Give the fuck about me. This is your life. And you cannot, you cannot for a single second allow for someone else to have more of a care of an impact for a financial situation of your life than yourself.

1:09:44You're right. We already have$5 ,000 in student loans. Yeah. Oh, and an additional$3 ,000? Is there more? 10. for what your undergrad no i uh tried to go to school and i ended up not finishing but i had um told your people about that that i had already had a ten thousand dollar loan that i was paying on great yeah wonderful happy for the people you talked to it was during covid and i got super busy in pharmacy so I wasn't able to really dedicate full-time hours to school I see nine thousand dollars oh okay I'm sorry yes nine thousand you're making payments yes there's 69 okay so you are on like income based yes payment okay yeah it's a low you're gonna get deferred once you get started, once you start school, of course.

1:10:51Again, they'll be on pause. I can't even like think about these student loans right now with just the rest of your thing. And then, what is this? It could be sent to a collections agency from charter. Oh, that's medical. That was a... Charter Communications? I think somebody else took over probably for the loan. Charter Communications is not medical. No? Is it? Wait. Oh, wait, wait, wait. Well, let me see. Like, isn't that the person that takes over? One second. Like, when they pay out? One second. Yes. So, what got me confused is because it said that this was the original creditor, which wouldn't have made sense, which made me think of charter.

1:11:36So, this was medical debt that went into collections then? Yes. Yeah. I believe that was when. I would say that's the original creditor. It's obviously not. Yeah. had gone to the hospital that's why why did you not pay it i couldn't tell you i was young and i was young i was in my 20s early 20s i probably was 20 and i this would not be on your collections anymore at that point it would not be on your credit what happened was because i heard that if you call or you reactivated them and i think that's what happened because i was trying to call or talk to them i don't know i can't remember this has been four years so it still takes multiple years to fall off.

1:12:18This one, five years, five months. What's 1 ,200? What did you lose here? Well, that one's also for medical. Did you have a lot going on or something? I had gotten diagnosed with diabetes, and so I was in ICU. Which one, one or two? Two. Okay, have you made progress? Oh, yeah. Good. Proud of you for that. Thank you. Very good. Keep that up. and then a thousand one hundred twenty four that's been open only one year what's this oh emergency medical so this is more medical oh yeah do you not pay any medical bill i don't why um i just kind of put it to the side well it is still hurting your credit now it's not accruing like any interest or anything but this is again like you are someone that from our conversation wants to take advantage of credit scores to get a car loan.

1:13:12That's where this matters. Okay. Oh, is that it? Is that all the debt? Well, I can't think right now. You just put a lot on me right now. Can I look at my phone real quick? Yes. Okay, so Apple, Credit One, UFC, Capital One, Bank of America, credit card you did person I'm interviewing for the job opening I apologize that I'm sending you an email saying that I need 15 minutes spectrum if you're seeing this you probably are um I think that's $532 in our checking account $116 is what started oh my Apple bill Red Bull Red Bull Red Bull Red Bull Apple bill meta payout$300 Red Bull Red Bull Red Bull Red Bull apple bill after pay great red bull ancestry.com that's really important to pay for and we literally can't pay our bills red bull red bull red bull red bull red bull meta pay out$250 who knows where the that went red bull more ancestry great wonderful chick-fil-a red bull red bull red bull red bull red bull red bull at least it's the zero calorie for your diabetes and zero sugar um meta pay uh 61 dollars red bull red bull i just like i i no offense i'm just i'm i'm kind of i'm kind of done but red bull red bull amazon netflix red bull red bull red bull meta payout 10 bucks amazon red bull red bull red bull red bull after pay red bull mcdonald's red bull red bull red bull red bull great red bull red bull red bull dutch bros dutch bros dutch bros looks like we decided to be a coffee person that day red bull red bull coffee great red bull mexican restaurant dairy queen change it up then we're back red bull hbo max is one of the better subscription services they actually have good things on there unlike most but also you can't afford life i got it for vampire red bull red bull cool uh maybe don't be a financial vampire that doesn't even make sense red bull red bull might have payout 300 oh you pay for credit karma great snap finance hold on credit karma I don't pay for that.

1:15:28I put that in savings. They have a savings? I did not know that. Snap Finance? What's that? That's kind of like afterpay. Stop yourself. More Snap Finance. More Snap. Red Bull. Stop it. $15 in cash up. Send out cash up. TikTok shop. Unless you're kidding me. Come on. From your Venmo. TikTok shop you really need. Whatever you got. Come on. eight bucks in this checking account one dollars in the savings account nothing's happening here there's a monthly maintenance fee because you don't have enough money in there so I'm just losing money great Robin Hood seven dollars thrilling 401k what five thousand dollars so dramatically behind for your age that's where I'd want you to be in like early mid twenties so where am I supposed to be uh you where would i want to at least see if i'm guessing i mean a lot of it depends on income but i'd want to see you at least closer to like 10 times that what if you max out your roth ira every year from your early 20s that wouldn't be hard taking account compound growth i mean i just did not know not the bitch and everyone buys you everything anyway so it's not like you really have any concerns in your life

1:16:53okay I'm sorry I'm sorry that I've just kind of given up it's just there's only so much emotional energy you can give into a situation for someone that tell me about it I'm tired at this point okay well unfortunately you really don't have that option just to let you know so we're going to be making all the minimum payments because we need to improve our credit to get this car loan and the scar loan is probably going to fuck you anyway because you're going to do it in a bad way, but whatever. You can also email us as you're going through that process and we can at least help, but that's if you actually decide to do that.

1:17:29Your cousin will keep us updated though.

1:17:35Minimum monthly payments on our debts. Wonderful. $1 ,576.55. How much do you give your parents for rent? $1 ,400. Okay. Does your boyfriend cover any of that? Yes. How much do you give? for mortgage 300 utilities your portion wait that's where the 400 is I'm sorry 400 what because it's 1400 I say for mortgage and utilities how much do you give for mortgage and utilities yeah so 700 total internet that's including okay gasp room from drive drive how much in a month 60 i doubt it what i have a corolla i don't know i know it's just it's just your lack of knowing 60 sure okay put 70 car insurance um 215 tp fund anything else you need to survive 100 bucks groceries you're going to contribute 250 to the household.

1:18:44He can contribute the rest. That's what you're contributing. You're only getting groceries. You're doing meal prepping. Follow the meal prep that we have in our budgeting program. Address it to your needs. Co-pays. Do you have anything medical on a monthly basis?

1:18:56No, I get it for free. Okay. Through my job. Subscription. Do you have a pet? I don't pay for anything. Okay. That's my parents' pet, pretty much. Great. I don't even know what your income's about to be and then you're going to school anyway, so it's just like... um okay all i know is you need two thousand nine hundred eleven dollars and fifty five cents to live on a minimum basis obviously you're making that now but you're cutting your hours in half you're gonna bring bring it in like what max two thousand dollars so student loans are gonna be subsidizing this then you're gonna get a car loan somehow with saving money for a down payment somehow so i don't do down payment of course you don't i'm sorry i'm sorry this is you must be super exhausted from this like i believe you this is the first time that i can remember it's probably happened again we just refilled so much but first time that i remember it's just like i don't even want to like give a thing like what i think is just like it's just kind of done it's kind of done you already have your plan set and you're even considering cutting your hours even further if it's too much so it's just like i i don't i have no hope i have a feeling this is gonna end in bankruptcy and well i'll prove you wrong please do but i mean what's your plan here you're already 900 hours in the hole no my plan is to definitely i because look like you're saying i can't even i feel like definitely i can't live off of the shorter hours right um that's why i'm saying i'm going to do them for now no the shorter hours so you're still under 900 hours okay go on and then next month hopefully if i can't you know i can't be 40 hours but hopefully i can be more and do uber more that's what i plan on doing uber i'm sorry guys I know that when you guys are just out there, you know, it looks like it's like, oh, how could they do this?

1:21:06How could they, how couldn't they talk about this? How couldn't they do the budget and stuff like that? I get that. I get that. It's here. You're sitting down having a genuine conversation with real emotions, with real actual going on. And I don't think I can go further than this in this conversation. I think this is, I think I've hit my peak. I do apologize for that. I apologize to you guys, but I think, I think that's it. Your hammer for an answer is easily zero or 10. we're going to do the post show but I'm going to bring in my producers to mostly do the talking usually they know more drama because you talked to them before you know the things you know I like to kind of whatever so we'll continue the conversations bringing in the producers in the post show you guys can join the channel membership there and get access to that and a lot of other shows that we do there and make sure you guys check out all the resources like the budgeting class and investing class which are bundled at a lower price so yeah uh okay today on the financial audit post show does he know about all the debt he doesn't know about the online gambling how much you spending online gambling i just started doing it again okay in what world can you do i was like gambling what are you gambling what are you gambling what is this gambling what does it look like what is it what's the thing it's like slot machine online I didn't think this conversation could get more insane Well hey hopefully you get more viewers To watch the financial audit post show Click the join button below