She Had To Sneak Onto Financial Audit

28:00That's the reality. I need stuff. You need stuff, some stuff. Toilet paper, yes. Gotta wipe that hole clean. Right. You do not have to f***ing consume all the McD's that comes out of it. I need clothes for work. Okay, how many clothes do you need from work? Is it a daily pair of clothing that you need? Yeah, so you go and get a pair or two of pants. That has not added up to I'm surviving month to month. What kind of cope is that? You're bullshitting. You are f***ing bullshitting. It makes me happy to buy some mom. It makes you happy. You're drowning in death. He doesn't know you're hiding it from your boyfriend who you want to marry while also abusing his mother.

28:41You. That makes you happy? That makes you happy? Is that why you're a bitch? Maybe.

28:49Don't make me not like you. Come on. You don't have to be an actual bad person. Well, you are who you are. Whatever. Mission Lane. Great. I haven't seen a Mission Lane card in a long time. Mission Lane. So what's going on here? One of the secret debts, right? Yes. I took that one out first. It's confusing, speaking about you being a bitch. You did come here to confess to him. Using this as the, like, okay, actually airing it out. Why do you care about that? But not these other things. These other people that you're impacting. Why do you care to confess this? You obviously feel some kind of moral buildup that is going to explode.

29:31but why not these other people? Why not his mom? Why is it just this? I think I just care about him the most. You rank people. Yeah. I don't rank people in my life. I have a great friend group. I don't rank my friends. I don't sit there. I mean, don't you like this person better than the other? I mean, I probably have a person that I would like text a secret to like a personal secret of mine, like the most, but I'm not consciously like, eh, like if both if two people ask for help at the same time I would try to figure out a way to help them both at the same time sorry you're actually further down the list this week so you don't get the help well he's number one and then from there kind of goes family little sister but you can also well where is she the mom

30:27wow His mom or my mom? His. I would say top five. Girl, you just went through bankruptcy. This is a hidden debt. And this Mission Lane card is maxed out at$1 ,977.96 with a minimum monthly payment of$68.58. What the actual death stupidity is this? It's not a bad minimum payment. I've had much worse. is that how this works if it's not about oh my gosh it is friday here in the office i don't know when this is being uploaded but this is friday you cannot be hitting me with this bullshit right before the weekend dude that how how is that what is all that matters you are maxed out here it is a two thousand dollar limit you are like 20 bucks away how is that how is that all that matters I'm trying not to like rage If I can make the minimum Then I stay above water You're purchasing Almost 60 bucks on here A card that is accruing almost 50 dollars In interest Hey how long does this take to pay off If you just do your minimum payment Which is all you do but you don't purchase anything on it How long does this take to pay off Your little special little bankruptcy life How long does it take to pay off Okay 12 years You're going to be like basically you're gonna be 41 you're gonna be 41 and you're paying off a card that you just opened if you're not purchasing anything else through that time to get your special little minimum of the payment which is all you can do that's all you're capable of because that's all you'd like to do because as long as i'm making my minimum payment i'm doing well guys right isn't that how that works so 22 dollars and four cents available what are you using that why'd you open this so that one i opened originally because let me kind of start from here so i don't know what here is here is i started using an app like a payday app to pull money after paywalls yes why you were in the you were in the first star position into an apartment and i needed just a little extra cash and then i kept pulling forward and forward and then i just kept pulling and so i got the credit card to make up for that debt for debt for not being able to just budget for not being able to damn just budget dude this literally stems from pure behavior not income for your situation this has been pure behavior throughout so go through the budgeting class you need to change your behavior around this go through all the classes you get them for free please be like most of the guests on the follow-up channel who come back and make progress please be like them go through the classes you get them for free they get them for 15 off but you get them for free i'm gonna well unbundled but please you don't respect this you think this is only takes five years to pay off without purchasing you open this because you couldn't pay off the payday loans you were taking because you couldn't learn how to budget this is just endless immaturity these are the actions of a child when do you turn 30 ish december docs okay yeah in a while you're gonna be entering that third decade of your life well fourth decade of your life right and you will have made no maturity progress at all.

34:1010 months. I'm just saying, you cannot be in your position. To be in your position is a joke. If you were 19 and you were getting this fresh start, this would be a different conversation. You went through bankruptcy for a reason. For a reason. Yet you were trying to... Like you're addicted to it. Like you want to go through it again. because it was so much fun to steal from my future mother-in-law and never pay her back. I'm going to do it again. Oh, this time I promise I'll pay the$150. I promise. I pinky promise this time. Then you never do. And then you owe$300 a month but never pay it. So what were you purchasing?

34:49Gas and the afterpay. Here it is. Here it is. Here it is. Just like the payday damn loan. Now you're debt paying. Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Because you kind of f***ing pay from a check in the car.

35:31I don't have what is necessary in my checking account to make this special little purchase. So what do I do? I have to pay it. Whoopsie. I can't pay it. My afterpay payments. What do I do? I use a card and max out a f***ing credit card in order to make the afterpay payment. That's where you are. That's where we are. And then all of a sudden we're going to be in a position where I can't pay my minimum monthly payment for a credit card. So I'm going to transfer that debt to a consolidation. so we're gonna consolidate a credit card debt for a f***ing afterpay debt because we don't know how to budget in our damn mother f*** checking account what the f*** how are you why why would we be paying for this this on a credit card on mission lane it was already in my google account and then so for like afterpay are you talking about afterpay so i just like connect the card into the afterpay because it was so easy.

36:30I love afterpay. No shit. You're f***ing addicted to it, but you don't pay it. You put it on a maxed out f***ing credit card. That is getting worse. I mean, you lost$250 in interest on this card last year. And you didn't even have it for the full year. So it would have been like$500 if it was the full year. Stolen from you. Ripped from your existence. Zero dollars in retirement headed into our 30s. Well done. To be fair, compared to what it was before the bankruptcy. I don't give a f***. All I care is you're doing this now. Who cares? I've made lots of mistakes. We all make lots of mistakes in life.

37:05Do you judge me for the mistake I made five years ago or do you judge me for what I'm doing right here right now? I only give a shit about that. I don't care if you were incredible back then. That doesn't mean you're incredible. I don't care if it was shit here back then. All I know is that this is shit right now. That's all that matters to us right now. All I care about is you have zero dollars in retirement right now, which also, by the way, compounding equals zero dollars when you retire. I care about now because now is what impacts your future. Your past does not determine that anymore. It is the actions that you are taking.

37:36You can learn from your past. I'm not one of those endlessly just like virtue signaling people online that cares about people's past. I'm not one of those weird motherfuckers. I want to see you do well now so that your future actually is impacted in a positive way. So don't ever bring that shit up again about the past. It doesn't fucking matter. It's done. He cleared it through bankruptcy, so it's extra done. I don't give a fuck, okay? Got it. Thank you. What are you still... Pull up your afterpay. Let me see. No, no, no, no, no. Why don't you just go pull it up? Have a little pull up of the afterpay.

38:12Let's see that while I squeeze on this cube of getting me through this conversation. Usually I gift the guests three therapy sessions with Soundermind, but I think I'm going to gift myself three free therapy sessions after this f***ing one.

38:31Oh, to spend. To spend. That's your pre-approval to spend, which is also f***ing dangerous. She's pre-approved. She's pre-approved to spend$2 ,870, which means she's going to f***ing do it. luckily right now you only owe 129 you have two payments okay what was this for it was for alta alta beauty and gym you're putting your gym your gym on afterpay so you don't only just pay that minimum monthly payment you're not paying the minimum monthly payment for the minimum monthly payment you defer everything you're the defer queen you're the queen of deferring and you're also deferring telling him the reality of your situation also known as your future husband you are the defer princess easy no because now you have to confront the situation of which we will i don't know when but we will okay so after pay uh 79 dollars is like the monthly but you only essentially have to do that twice oh 129.92 is the balance out so it's a little less after that first pay this is this is so stupid buddy i don't get it dude this is so stupid just i don't know why you would do this major channel announcement budgeting budgeting budgeting it's a new year we're all trying to budget we're all trying to make it a little better trying to improve our life a lot of people on the show a lot of people out there that i've heard from they try to start a budget they can't stick to the budget it's because it's all too damn complicated right now you use any of the budgeting apps out there it's crazy it's hard to know what's even going on it's impossible to set up and it's a chaos to manage.

40:10That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life. So it should be simple. It should be chill. It should be easy to set up and easy to manage. I've called it simpler budget because that's all it is. It's your simpler budget. But we upped the ante with continued education and an ad free version. In the premium version of Simpler Budget, you can track your spending, set goals, and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here.

40:45There's actually weekly live sessions with financial professionals to answer your questions and keep you on track. They'll be teaching lessons and you can ask them things and they will actually help. There's also weekly mini classes keeping you up to date and educated on every financial topic you need to improve your life. Plus, for a limited time right now, you get access to our new budget-friendly cookbook with 55 money-saving recipes to eat well without overspending. It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever.

41:23Download the Simpler Budget app today. A link in the description below. This budgeting app will change your life. Okay, Yeah, let's see your orders. Oh, boy. Oh, history. I've never even had this app before. Okay, Teddy Fresh. Isn't Teddy Fresh very expensive? I'm wearing it right now, actually. That's Teddy Fresh? Yeah, with a little teddy bear on it. It's moderate. Did you sign it? No, I wish. Then why are you spending this much money on, you know, endlessly, endlessly financing it? You know, I don't think she'd want you to finance it. I think she would want you to get it if you could afford it.

42:00We sell products. We sell merch. I think we just updated our merch, I think. I don't know. It's not even like a plug because I don't even know if we did or not yet. We are. But either way, I don't want you to buy it. If you have to get afterpay it and then pay your afterpay on a credit card that he doesn't even know about. I'm whispering that because I don't want him to hear. Apparel. Ulta. You get Ulta every second of your life. How much you got to put on? What are we just caking every day of our lives? Contacts. We're getting contacts. A-Y-B-L. Gym, gym, gym. Alta. It's gym shoes. Alta. Gym shoes.

42:34Alta. A-B-L. Gym shoes. Alta. Shoe warehouse. Shoe. It's just everything. Same thing. We threw an American Eagle just to mix it up. But this is, you're fucking going crazy. I need you to close this because the fact is, you have a Max Out credit card. You are going to spend this$2 ,870. You are going to spend it. It's there, so you're going to spend it. You're going to find another little teddy. You're going to get, you're going to fresh it up. Okay? you are going to spend that and get their stuff. Definitely. Get their stuff if you want to. Get the other person's stuff, the person they're feuding with.

43:06I forget his name. But either way, I don't care. I'm not taking a side in that. I'm just saying you can buy whatever the you want. I just don't want you to finance it and then put the payment on a credit card. I think if she heard that, she wouldn't be thrilled with it. Okay? Ally. This is an ally credit card. I'm not used to seeing that. I'm used to seeing an ally car loan or something. I have both, actually. I bet you do. You like to collect them all. Pokemon for you. Who's that Pokemon? It's Pikachu! It's Lefari. Here we go. We have 770. No, that was a... Oh, yes. Okay, 770. 770. 770. Minimum at the 27.

43:54Okay, no interest recruit. takes three years to just to pay that off by the way went in probably didn't get anything necessary from target because that's too small of a purchase it is rare that anyone goes in there we have found and spend small amounts of money and it's not just bull yeah i thought so nba store oh that was a christmas gift your christmas boyfriend got him a knife your boyfriend that can be the christmas gift meds for 223 dollars yes so i started on like ozempic basically oh yeah just ozempic princess yeah losing the poundage trying to so working yeah a little bit guess what i'm starving right now but without the needle i don't know too scared needles i would take it i got the the dissolvable pill yeah instead of like the shot it's like uh it's the same thing yeah check it out excuse me you went into the gas station you got some bullshit that's certainly not helping with whatever you're doing with this ozempic like you're going in there like a monster or something as well then alta you go to alta every second of your life what the f*** are you getting i love alta i buy a lot of hair products okay i was gonna say you're not wearing like the most amount of makeup so it's like what okay an american eagle great you said i need clothes but There was like shoes every five seconds on your after pay.

45:21There was, you're getting shoes and clothes just every day. Things go out of style. But you told me at the beginning for work. You did not need Teddy for work. So that was a fucking bullshitting excuse. I was willing to go along with it until I learned more because I didn't know what's in here. Now I know. You're fucking bullshitting me. You tried to defer the confrontation of the conversation by making an excuse at the beginning. You are the deferring princess. No, that is not cute. You can laugh at it, but it's actually f***ing your life. It's not healthy. It's not good. I work in a gym. I have to look nice, look presentable.

46:04So you don't even need ozempic. It's just something a little bit I needed just to take it off. I know. Looking presentable. Yeah, but you don't need three outfits per day. You're buying so much. I go to the gym in the morning, which is one outfit. And then I go to work, which is another outfit. And then I get home, and that's just another outfit. A bum clothes that you already have, but you don't need to be purchasing three per day. You have a laundry machine. Oh, my gosh. I want to do laundry all the time. No, but you can do it twice a week, though. Are you kidding me? It's gym. You wear gym clothes.

46:40They all look the same anyway. It doesn't matter. It doesn't matter regardless, even if it does. Okay? It doesn't! Who cares? You have a boyfriend and you're not trying to impress anyone in a way. Who gives a f***? Who gives a f***? Me. I care. Well stop. I care about you getting out of... I care about you f***ing... I care about...

47:02Seriously, you are headed into a marriage. You're already starting off the relationship with the mother-in-law. Absolutely f***ing. But not only that, you're headed into the marriage with that that he doesn't know about. But not even that! You're headed into a marriage without retirement. You are going to be holding down the relationship. You are going to be the anchor. You are going to be the one that is holding you guys back as a couple. Whatever aligned goals that you guys want to have, you are not going to be able to hit that because you are going to be holding back. You are the holder backer.

47:26You are the anchor. You are destroying. One of the leading causes for divorce in this country is financial things. You are the financial thing. And you're selfish and you're a bad word. Oh, there's more. There's more. Look at you. You went in, you got some blue target, then the Amazon, the Amazon Rotary Botanical. And also, go ahead, let me see your... Alta, stop the Alta! Stop the f***ing Alta! Can we stop with the Alta, please? Please, can we stop with the f***ing Alta? I'm gonna make him not allow me to go anywhere near an Alta! Amazon! I'm an Alta diamond. Amazon! Amazon!

48:12some stuff on there is for work i'm investigating you got little hooks those that's for work for the gym hard drive a dog hard drive what is it that's a portable charger with a dog print on it okay you got some super food uh super berry something that's my skin care okay got a big bag probably didn't have a bag you didn't have a bag you've never had a bag in your life and you got like bungee cords lip gloss that looks like chess pieces press on nails yeah you have real nails that don't cost money when you're dying well in poverty essentially uh melting forest mushroom energy Melting forest mushroom energy.

48:59Okay, that's wild. I promise you don't need that. Did we need a whiteboard? No. That's for work. Did we need it? No. Yoga block didn't need it. This bench, you did not need that. You did not need it. You can stand up and get cuts like the rest of us when you're shaving. You did not need it, okay? A boot tray? You did not fucking need it. Need. You put down some fucking paper towel. live like the rest of us up there. You are not entitled to stuff. You get pressed on nails every second of your life. Every week. Every week. You are not entitled to that. Lady, you don't need that. You replenish your skincare every five seconds.

49:41So I don't think it's good. It's not very cost effective. You got nipple covers. You returned a little stuffed bear. Those were. You're getting energy drink. Yeah, I love energy drinks. Stop. Papa, buy from...

50:03Okay. So this is affirming. This isn't even afterpay. This is a separate one. You're affirming as well? Good death, lady. I don't know how you're gonna... You borrow... The balance is substantially larger on here. Okay. Affirm. We owe$979...

50:27$976.64. I think that was for tires. I think you're f***ing up your entire existence because I see energy drink purchases on there. And energy drinks. Okay, minimum monthly. I can't even figure out. I hate these f***ing services.

50:56oh 20 there and then 78 10 so you um essentially i'm gonna put 100 bucks and yes you did do some tires on here and yes you got to get your tires rotated or whatnot or you'll lose a tire and you got to either get it patched up or you got to get new tires that happens you are financing it because you didn't have an emergency fund because you're borrowing every cent of your life because you're doing micro payday loans because you're borrowing money from yourself even though you make enough money where if you properly budgeted your money and didn't spend double what you make in a single month you'd be able to set some money aside and you'd actually be able to do whatever tire you did in cash pulling from an emergency fund because it is an emergency and you would have been fine instead of over your entire life and future also including the future of your partner but instead we said nah i'm a child

51:47but even if i did have an emergency fund i probably still would have financed it why but you don't even get rewards on a firm do you no or i don't think so no i mean i personally don't know because i've never used it just because it's just easier smaller payments it's just easier at the end of the day are they interest-free these ones this one i don't think so see that doesn't make sense because you can argue the point which by the way you cannot manage the debt so i don't even want to get this in your head but for the sake of the audience you can argue the point if i can split it into four interest-free sure if i take that 900 and i put it in the muumu account fine the muumu account my investing brokerage i take that i just leave it there i think you get for like three months like eight percent on your money you know as like for new accounts and stuff that's incredible i get that if it's interest-free however with the interest you're likely at like a 30 interest so you can't even justify that you can't even justify that you're unable to it i it doesn't make sense if you know what you know it doesn't make sense if it is not interest-free go please please explain explain i would like you to defend that in my brain it's just easier for like after pay a firm rather than spending like for example $200 on clothes.

53:05Can I ask if that's easier though if you now have more minimum monthly payments and one of your big things at the beginning is I can't afford to pay things because of all the minimum monthly payments. I mean I have them auto pay so I don't have to think about them. Yes but it takes money from your account and if you're not thinking about it actively and certainly not budgeting because I know you don't have the simpler budget app yet. If you don't if you're not doing that it's usually a surprise when it pulls. Exactly and that's the point. So how is that easier than going and just writing the check in the beginning the front half when you when i buy something easier just click that button that's easier because your money's not immediately gone right right why did you finance the tires did you have enough money i did not and my only other why did you not have enough money is it because you possibly spent twice what you make i would have asked my boyfriend but no please please do you do you ever borrow from him no no okay so this would have been her first time for a big amount of money yeah why'd you why'd you borrow from his mom and not him he asked that didn't he like had enough at the time but it was like pretty much everything he had and i didn't want to pay it back all right i was going to if i took it from you still are i'm going to yeah to his mom are you yeah you say yeah but you've have no plan or any indication or action of and it's been my plan yeah what's your plan is to secretly save money for her and then give her one let her see some progress let her see that there that her future daughter-in-law actually gives a let her see that she will see that once you make a big payment but why delay that what if her opinion of you is secretly like oh she's kind of a bitch.

54:54I don't think so. She loves me. For now. But the longer and longer you put this off, I mean it's just going to show irresponsibility. Even if she loves you as a person, she's going to be like, oh wow okay. My little perfect kid he's been marrying a gold digger. Little liar. Someone just looks to steal money from other people and doesn't pay them back. I will pay her back. Yes, but you're waiting for a big lump sum and fun fact you are saving zero cents. So I'm a little confused how you're paying this big lump sum. of a substantial$3 ,300. Your largest debt we've looked at so far. You have a card coming up, don't you?

55:28Because we saw that in the full debt thing at the beginning. Okay. Mushroom Forced. We do not, do not need to finance Mushroom Forced energy drinks. She has the Celsius right now. She is addicted. She really is. Oh. What is this? Is this PayPal credit? please don't be i think paypal paying for

55:59guys should we start hammer paying for because apparently that's just a better business model yeah they're down they're down let's just let's just get rid of all our morals apparently the way to make money is just create a service that'll people and that actually makes people sign up more they're like if i can get that's what i want to sign up for well actually that makes sense but make a good point maybe we can gift you an accounting certification to course careers my boyfriend's an accountant there you go you guys can bond over that but it just might be good for your career area manager just being able to manage the finances a little better fully understanding how to process those systems I think that could be helpful I'm glad you like your job I'm just seeing here I'm seeing all this cope spent and I'm like okay so what's wrong in life thought you know sometimes people hate their jobs so they just go and spend like wild but you you're just like um stupid so paypal or or or is there something that i just don't know about would he be able to tell me something like what is this cope spend um i guess i've thought about it i grew up really poor and i think that now that i have the money to buy the things that i want that i couldn't get when i was younger i just have all the freedom we did it opposite it it's so funny it's not funny because it's your life but sounds like we came from the same place i don't know what you're full background but i grew up a little lower middle class if you're a content creator or want to start keep listening the hardest part about making content is the time commitment between scripting filming editing voiceover and a list that goes on and on you can feel overwhelming and time keeps slipping through your fingers but luckily with tools like today's sponsor, InVideo, content creation can be a breeze.

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59:46Use my link and code in the description. This will save you hundreds of dollars that you would otherwise spend on editing, animating, and other production costs. Try out the future of video creation today. When I was born, my dad was a clerk at a gas station and my mom was like front desk at an eyewear place. Like they made minimum wage and it was and they were, they were, they got a very small starter home at some point. But when I was born, uh, we lived in my grandma's place cause they couldn't afford anything. And eventually we lived in an apartment. Then they got like a two bedroom small house.

1:00:20You know, I grew up with that too. And any kind of nice stuff we did get throughout my life, it was all on debt. So I thought, okay, maybe we were doing okay, but maybe not. You know, we grew up also poor, not, not poor. and you probably didn't grow up poor either but lower middle class i'm gonna just assume we can come from a similar background but we went two different angles you went i couldn't spend money when i was a kid just like i couldn't either so i'm just gonna go blow all my money and continue that cycle of poorness and i went okay i grew up where we couldn't just spend money and do all the things that other people did or have the nice cars or anything that other people did have the nice house that other people did all that stuff so i chose to correct the behavior that got the household in that place i chose to better my life and try to learn how to budget learn about finances learn about real estate learn about these things that actually make an impact so that i could live a better life so that if i end up having kids they don't have to go through that situation we went two different ways and you went the wrong way and you are going to continue the cycle if you ever have a kid with that dude if you're bringing these finances into this marriage with your zero dollars in retirement your kids his kids y 'all's collective kids are gonna take care of you because you never saved up a single cent in retirement and it is not their responsibility but they will they will they didn't consent to come into this world you chose to bring them in but they will because they're not gonna let their parents die under a bridge but you save it up zero dollars as an irresponsible 30-year-old.

1:01:56Not yet.

1:02:00You're being a spoiled little brat because you grew up a lower middle class. Most of us were there. Well, I don't know if that's statistically true, but you and I were there. We can go two separate ways and you're going down the bad path where your kids are going to go through the same as you. And if that's what you want, congratulations. You're doing that very well. Next, Ally. Okay, you said Ally was with a car. So is this a car? Yes. All right. What do you got? I have a Ford Fiesta 2019. Okay, how's it doing? Good. How many miles? 80 ,000. Okay, you owe$16 ,198.59. We have a minimum monthly payment of$361.56.

1:02:47So you got this before bankruptcy. When did you get this? I got this the October before bankruptcy, so a year and a half ago. Okay, what's the term on this? Oh, probably like six, seven years, whatever the longest is. Eight. Eight? Okay, it's probably eight then. What is the interest? Because I don't see it. I think it's 9.8. Well, that's not good. You're not really beating the market, even if you are invested, which you know you're not, so it doesn't even matter. So you're just f***ing it. Plus depreciation, whatever. Boom! No way! Oh, for f***s sake. It's worth$6 ,881 in your few years. Oh, come on.

1:03:27I didn't have a lot of options. Are you f***ing kidding me? What do you mean you didn't have a lot of options? What is that? Go ahead. Go ahead. Because this was before the bankruptcy, which worked out fine, but that was when I already stopped paying my credit. Your credit was already tarnished? My credit was tanked. What was it? Do you remember? Probably like 520. Well, Lindsay's going to check on the boyfriend, seeing if he's like f***ing revving up his anger muscles, hearing me yelling at his woman. but um yeah so slap me oh he's going back i think he has to pee are you peeing is he being a little pee guy he's tall what the is happening here what have you done that dude's gonna murder me why do we allow that into the studio oh six thousand six hundred eighty one dollars in here that's crazy underwater by a thousand ten thousand dollars so there's like no exit strategy here other than repo forget and die i don't want that to happen nope me either with the nine points yeah i think it was i can't remember honestly because i remember when they first when i got the car they were showing me interest rates of like 19 i was like i guess that's what i have to do and they came back to me and said they lowered it to like nine point something yeah but i'm guessing high nine is close to 10 oh yeah yeah so what do you mean you had no choice though you're just talking about the debt itself because this car was obviously a bad purchase yeah so the car that i had before i had a really nice car before this car i had a bmw and I had that for like five years and it started to die on me burning coolant all that fun stuff and so I didn't have the money to fix it so I traded it in oh you rolled over negative equity I did not I broke even they they already gave me gave oh so you did owe on it but when you traded it in it broke even yeah okay this was this puts you in a pretty okay position relatively so what's the big issue here another big issue is my mom co-signed on it and she wanted another one's mom she wanted to refinance wanted me to refinance a year in and it's been a year and it's been a year and i haven't because you refuse to live up to the promises you ever can make man because you're a literal child throughout life yeah i'm trash talking your woman what are you gonna do about it come fight me but so two people's moms now you have over two people's moms you over this is a pattern for you this is not good this is not good and does he know that fact yes okay and yeah he chooses to be with you okay yeah he loves me yeah i don't know that shows some questionable morals in my book.

1:06:00You don't care about them enough to pay them back what is owed. This is just refinancing to lower her risk profile. What's your credit today? Six. Between like, probably like 630. Obviously they're going to see the bankruptcy. That's not going to be thrilling when they see that to refinance. I don't know what your rate's going to be. Something similar or something higher. Yeah, when I got the car, I didn't have my new credit cards at the time. You talk about credit karma. They offer refinancing every five seconds in credit karma. This is like a one click thing for you. You're just when you made the excuse like, oh, guys, it's so easy.

1:06:35It's not my fault. They're just showing it in front of me. No, you were choosing which ones to click in front of you because they show refinancing. They're just as much. I stay out of that tab. Yeah, I'm sure. This is horrendous. And you can't get out of this. And now she has a she's on a loan that is negatively or just overwhelmingly underwater with a huge term. I mean, how old is she? 52. So she's going to have this almost leading to 60 on her credit. You have to refinance. Okay. Let's see. For your net income, this car payment, I can do basic math. That's 10%. So, yeah, if you're gross, I mean, technically this fits in the money guy rule of 8%, but not really because it's only three years is the term they allow.

1:07:24So this car, well, the loan was too expensive for you. You overpurchased, though. You got a bad deal on this car, most likely. I did. I did. You said this was a year and a half ago? Yeah. Okay, a year and a half ago. You weren't in the insane, insane, insane used car market. Great, no. Is it great now? No, but it wasn't stupid 2021 excuse levels, 2022 excuse levels of getting into a car this dumb. How long did you look for a car? Not long because my car was breaking down. It was like within a matter of days that I went to that dealership. And my dad actually went and talked to them before and said, hey, she's coming in.

1:07:58Help her out. So I went in the next day and they showed me the car. I was like, what's my second option? They're like, you don't have a second option because my credit was so bad. That's what they told me. And I was kind of in a bind. I needed a car. So I just pulled the trigger. You just saved money. You would have actually saved money if you Ubered for a little bit and took more time. Uber's expense. It is, but you would have saved money. You were at a 10 % interest rate, essentially, in eight years. And you're putting your mom's entire credit at risk. You would have saved money if you Uber for a couple weeks.

1:08:28I'm making those payments, though. For now! You're pushing back your other f***ing payments on credit cards and stuff. Listen! If you're f***ing, if you're pushing off other payments because you cannot afford them, you're saying you're making those payments? Is that what you just said? Did you just say that? Is that a word that you just said? Are those words, are those complicated air flows that just made it over here? Guess what? You went through bankruptcy because you couldn't make other f***ing payments. So you chose to make that one, but you were not making your other payments. You were just pushing off the other payments, meaning you were not actually making your payments, okay?

1:08:58You chose to make this one specifically, but you were putting off other money. You could not afford it. If you were able to afford it, you would have this and make the other payments as well. But you did not. You're not able to make the affirmed payments, so you put them on a maxed out credit card. You cannot afford this. You are not making the payments in an accurate f***ing way. You are over by double. You are not. You are going into debt. Never say that again. that is cope, that is not real, that is bullsh**. You are bullsh**ing yourself. That cope hard. $112 in your checking account. But I make my payments.

1:09:29$112 in checking account. We ain't got some BS energy drinks, let's call it. Amazon, energy drinks, energy drinks, Qdoba. Expensive Qdoba, by the way. The case is free there and it costs this much? What are you doing? You can't go to Qdoba anymore. You got energy drinks. Oh, oh, oh, oh, close. Great, because we don't have enough clothes. We're not getting clothes every second of our life. Ami Entertainment. Annie Entertainment. What is this? That's at the bar, like the little jukebox. You're already spending money at the bar. Now you're. Why? Why? Why? Why? Why? Why? Why? Why? Why? jukebox oh good we did it again jukebox and amazon and amazon and an apple pill and my energy drink and 18 which are 300 where the f*** does that go you don't even know 300 is a lot of money that's 10 of your income you didn't know where that went probably so whenever i owe my boyfriend money like for example splitting like cost or something like that sometimes i'll wait Oh, for f***ing death.

1:10:34And I'll... You'll wait and then you'll pull out a huge amount of cash? Sometimes. Stop yourself. Sometimes it'll be like Venmo. Sometimes it'll be cash. Stop yourself. Amazon. Netflix. An energy drink. Microsoft. Like Game Pass or something? Are you a gamer? I think I bought a trivia game. For f***ing sakes, stop. You don't have money. You just spend so much that you just don't have. It's as easy as that. Amazon, anyone bucks. energy drink, Qdoba bullsh** target probably Amazon, oh they just called it something I wasn't even seeing there she's still doing it guys she's still f***ing doing it what are all these deposits?

1:11:15earning, earning, earning, earning, earning, earning earning, earning, earning you f***ing kidding me? It's earning every second of your life Qdoba Spotify you can listen to ads you can do it if we're literally taking out payday loans i don't care what the weird pearl clutches on the internet say that take offense to everything if she's taking out payday loans maybe she can listen to ads it's not about spotify i don't give a i have spotify i love it it's not about spotify it is everything added up i don't know why people have taken weird offense to that online energy drinks Ulta energy drink the fucking karaoke again are you kidding me Taco Bell Ulta noodles and company for fuck's sake went there once got diarrhea oh cinema what the fuck is this cinema I have no idea what you're talking about well you spent 36 bucks there

1:12:20Simmonosloch

1:12:25Simmonosloch Geneva

1:12:30It's an Italian restaurant I'm being told Venmo in out money Drink Oh look at all these earnings Please tell me you're not one of those Dumb ass Who tips on earning Well well what is if you responses like that the more you tip the higher amount you're allowed to pull out so if you give them extra money you get to take out more yes but you're paying for the privilege to take out more you're paying a fee yes is how that equates you know that's stupid but if it helps me from going negative in my banking account no you know what would help you We're not paying for karaoke and energy drinks and Italian restaurants and Taco Bell and all this bullsh**.

1:13:16Hundreds and hundreds and hundreds of dollars. Maybe we do that instead of tipping a micro payday loan bullsh** thing. Huh? Yeah. Maybe that makes more sense. That's so stupid. Energy drink. Amazon. Amazon. Lush. You don't get to get lush.

1:13:38It's still going. It's still going. Yeah, you're at a$400 plus dollar deficit with earning over that period. Ooh. Yeah. Which, by the way, your bull is more than that. So I think it's a joke.

1:13:57I think it's disgusting. Because I'm going to pay her back in a lump sum when I save that up. $0 in savings. Let's get your budget. $3 ,600. when I'm being mean and angry. It's been a long time. I mean, I roast, but I'm being a dick because you're a dick to everyone in your life. Which is the way you do it. Not even by your actions. Not even by your words or anything. You're just a tit, dude. I've never been called a tit. Well, you are. I know you get the covers for them on Amazon, but you are one. Where are your face next time you come in here? I don't want the payments for now. I know a lot of them go away pretty quickly because of the affirms, but I'm sure you'll borrow it immediately.

1:14:45$843.85, but you probably owe like, what,$400 to earn in? Probably. Endlessly repeating cycle? Yeah. What's your portion of rent? $890. Oh, my f***ing death, man. And that's including water. What about gas and electric? My half is usually, since it's winter, it's been about like$150. Okay. Yeah. I don't know, man. Okay. Okay. Is it a house? It's an apartment, but we have like the baseboard heating. Internet? He pays that. Okay. Gas, vroom, vroom, drive, drive. I drive a lot for work, so I'd probably say 200. You work at the gym. I oversee five gyms. Oh, that's right. Yeah, between gyms. You're right.

1:15:26How much? I would say like 200 a month. They don't reimburse that? They reimburse 16 cents a mile. But that's included in your net income that you gave us. Yeah, yeah. Okay. insurance car insurance 120 for car insurance you have any pets i do what i have a chihuahua wiener dog his name is chunk how much for dog food um 30 a month he's tiny pet insurance no what i've looked into it yeah and because he's so old yeah you won't really get it yeah and that's fair you can contribute 300 a month to the grocery pile for the household you do not get to go out to eat tp fund anything else you need to survive this is where you can put a little bit of alta hundred dollars medical health care anything um insure or insurance is included in my pay but i my medication is probably like 40 a month the the zempick i'm not taking that anymore i stopped that oh why i went to it for a few months because i i wasn't seeing as much as i wanted to see something it's not really well you still have to put in the actions it's the same with bankruptcy you don't see what you want if you don't put in the actions so it's a dissolving tablet did you have side effects no but it got rid of hunger yeah yeah you take it a half hour and right away when you make up in the morning wait a half hour then you can eat and drink like normal but aren't you supposed to not eat and drink you still have to eat and drink but it just lowers your appetite it works it's not as much as i wanted it to well it's it's a tool it's not a okay whatever same thing with like the stomach surgery you get 98 percent removed but it's a You can blow it back up.

1:17:03Okay, subscriptions, no. Pet insurance, no. No savings. Okay, anything else that needs to be in your budget that I have not taken into account? I don't think so. Okay. What we're going to do, because he's a bit more of a private person, which I respect, we'll bring him into the post show, and we'll confront, we'll have you actually confront him in the post show. I also need to talk to him about your morals and just how you're just f***ing everything up. This is stupid. but you could have paid her back by now. You have an extra$1 ,000 a month. I don't want to hear it. $2 ,673.85 to survive. I'll give you$100 for fun.

1:17:38Congratulations. Cool. Yeah, you should have paid her back. You're a dick. But we'll bring him into the post show, and it'll be good. And make sure to join Elite. If you join Elite, we'll pay for it, by the way. So it's like$10, but we'll literally give you a gift card after you sign up and show us that you signed up. So we'll pay for it. This is essentially a free trial. Since they don't offer free trials on here, we'll pay for it. So go ahead and join Elite, the Hammer Elite, and we will pay for it for you. You have an extra$826 left on a monthly basis after your fun.

1:18:18Get rid of the afterpay, earning. You shouldn't even be doing earning. This is crazy. And PayPal in the first month. boom that's your first month okay cool from there take care of your well yeah take care of a firm after that in your next month should be chill your ally card actually in the second month then the affirm the third month then you just owe money lane her and the car this is not that hard or mission lane mission lane you pay off in two and a half months so we're like five and a half months in and then his mom you pay off and let's call it also three and a half months just about so nine months total then we have the car now the car is not good but i think what we're going to start doing for the car you know we'll be at like 16 we'll be at like 15 750 at that point and at this point your minimum payment is going to be much larger that you have to you can throw about a thousand hours towards it at that point you'll pay that off in a little over a year so we're going to call it a year and a half and then round it up to two years for the fully front of emergency fund ten thousand dollars or so for you you're in a fine position it takes two years you're debt free you have a fully fronted emergency fund you contribute 20 on a monthly basis to retirement you'll have a chance to survival this is just selfish this is selfish the fact that you have basically a thousand dollars left over before i give you any fund money and you're not paying anyone back and you haven't refinanced your car, you haven't done anything, you don't have credit card debt and you're taking out earning, you're selfish, you're immature, you're being a baby.

1:19:57So from now, that's your budget. Again, take all the educational material, use the Simpler Budget app and I want to see you here in a few months on this financial audit follow-up channel, okay? Got it. Make sure to join Hammer Elite. We're going to confront the boyfriend situation in the post show. Let's get your Hammer financial score first though. Spending a budget, it was double, zero out of 10. debt. Yo, family member, you're taking out earnings. Zero out of ten. Emergency fund, zero dollars. Zero out of ten. Retirement, zero dollars. Real estate, zero. Hammer financial score, you said 1.5 out of ten?

1:20:29Here's the fourth one. Round it up. Hammer financial score, zero out of ten. Guys, join Hammer Elite. I'll pay for it. It's super fun. Come hang out with us. Thousands of hours of extra content and don't forget to join the simpler or download the Simpler Budget mobile app. Take control of your life, your money, your budget for the first time ever. I'll see you in the post show. She has hidden this behind your back. And I would like her to tell you exactly how bad the situation is. This is news to me. This is f***. That's a red flag. She doesn't give a f*** about your mom enough. That's probably the biggest part that's disappointing.

1:21:09She says you don't care. She says you don't care. Is that true? I wouldn't say it's true. That is brutal. Oh, f*** it. Whatever conversation you were going to have in the car on the way home, why don't you have it now? Go ahead. Yikes. To watch the Financial Audit post-show, click the Join button below.