She Manipulates Me For 1 Hour And 36 Minutes | Financial Audit

22:59What is the minimum of the payment on this Best Buy card now? $41. Okay. You owe$902.77. $41 a month. For for for sakes, dude. You were making progress. You paid off this card and then you immediately f***ed it. You asked why I'm gonna Yeah it's your acceptance of it It's your acceptance of it or justifying it This is stupid as f*** A Disney f***ing card I told you about that What did you expect? I think my brain wanted to forget it already Because it was so f***ing dumb Okay the Disney premiere card So what is going on? That's the one that if you spent a thousand they gave you 400 back Yeah but now you have a card that you're not fully paying off that is eventually going to accrue interest.

23:55Does it accrue interest now? Yes. Why are you sending screenshots instead of statements like we request? Because I got that card after I had already sent the original statements and that's what they told me to do because it doesn't have a full statement yet. Oh my gosh, you're getting new cards after applying to Beyond the Financial where it's about cleaning up your finances? I'm going to burn this place to the ground. What's the last day here? It really is. And I should claim the insurance money. This is so stupid. This is so stupid. stupid. You open a new debt and round that debt up on the Best Buy card after you won't play.

24:29I don't even want to hear it yet. I'm just trying to process the choices in your life.

24:42Don't like it. Yeah, it's everywhere. What is the minimum payment on this? Because I don't know. It doesn't tell me. What do you mean? It's because it says it right there. There is no minimum payment yet because it hasn't had a full cycle. What is it? Pull it up now. Okay. And what is the interest accruing on it? I believe it's around 25. And if you spend a thousand, you got a hundred. Yeah. 400. 400. 400. That was your little intro thing. They get you in with nice little pennies. Yeah. Nice little pennies. Knowing you so far. Knowing you so far and that you like to build cards back up. Not pay them off.

25:20Let interest accrue. I'm going to bet you're probably going to eventually pay more than$400 in interest, and they're going to, well, make their money back. Mickey's going to... See, it still says no minimum monthly payment, dude. Give me this. Yeah, you're right. It doesn't. But what it does say is that it went up by... Okay, that was to get me here. Okay, well, that'll be reimbursed. Why the f*** did you put that on a card? Because I didn't have it in my checking account. Okay, now, if you're loving your life without having money in your checking account, why? Because it was spring break. That's why.

25:50It's not because you came here. It's because you went like you're a moron during spring break. I'm saying the first part was spring break. You're already in Florida. You don't even need to go anywhere. That's where everyone goes. Yeah. Shut the fuck up spring break. It's at 30 % interest. It's so stupid. Great. So now we're talking$1 ,040.43. Oh, so close to being maxed out. I bet it will be by the time you go back home. No, I have never maxed out a card. You're about to Oh good It's to get here That's why we're getting Starbucks Dining Well yeah I had to leave like super early this morning I flew in today Disney store, Sephora, Sephora That's all spirit Big house, SeaWorld, SeaWorld SeaWorld, SeaWorld A restaurant Pura Vida Going in and getting some bullsh** Yeah Big House Disney Store Spice and Tea I'm glad we are accruing 30 % interest For Lego Disney Springs And BY Basin This is so f***ing moronic What are you spending at AutoZone?

27:06Oh that was a windshield wiper But they gave part of it back to me Because it was the wrong one Dude you're spending like a f***ing fiend Okay well my windshield wiper broke Not that everything else I mentioned Well I already told you about everything else So that's what you're talking about. You think that justifies it? What? That I told you about it? Yes. No. Then I don't give a f***. I mean, you asked. I did not ask if you've told me about it. Oh. Shut the f*** up. I know, kind of, sometimes, what I've said. You spend like a fiend. And no, what you told me about was your past spending to get you to that a thousand spent.

27:47Yeah. You didn't tell me about the Darby's and the dining And the dining And stopping and getting bull So you went to spring break Where the f*** did you go? Disney Springs I don't even know what that is Where is that? Have you heard downtown Disney? So you went an hour away And we blew our f***ing life Go to a pool next time Listen, you can do that as a college student. If you have the money, you're making it so much harder for you later. And you just don't understand that now. I mean, there's no...

28:32I can assume the minimum payment is going to be something like 50 bucks. Probably, yeah, 50.

28:41Okay. So literally, in order to get that bonus, you didn't spend it on anything that provides you value it was literally just going out to eat out to eat out to eat and then yes 400 hours of Legos but out to eat out to eat out to eat out to eat out to eat out to eat out to eat out to eat out to eat that's all it was well I mean it was also Sephora and the spice and tea exchange which isn't eating so bullshit bullshit bullshit yeah I mean I told you it was spring break that doesn't mean you have to spend like bullshit You went to a destination doesn't mean you have to go fucking insane. I see you shiny.

29:18I'm going to get all shiny. What are you talking about? I mean, that's not how we all activate. That's not how we all work. That's how I work. Then go to therapy. Like what? I can't fix that. I can get you on a budget, but I can't fix you not being able to like, look at that over there. It's not that bad. Well, then you can control it. Yeah. I didn't even know what you spent last month. You probably didn't even know what you spent on this f***ing card. I know it was on that one. Okay. I'll get you with a sound of mine. Therapist. Three free sessions for our guests and people in our audience.

30:02So, great. We have like 2 ,000 hours in credit cards already. 24. That's our entire month of income. Yay. Okay. What's your rent? Is he working now? No, he's going to start working in May. He had to wait the whole first semester. That was their rule. I hated it too, just to be clear. And they can pay for his life outside of that, right? What do you mean? It's a 529 plan. I don't know if you know what that is, but it can only be used for rent, school, tuition, books. So what are you covering? You're just covering Lego sets and driving to restaurants and then paying for the restaurants. That's not stuff that is required to live.

30:40No, I pay for our cats. I pay for... Don't get cats if you can't afford them. I had them already. They were my cats. Well... What do you want to do? Throw them outside? They're from their childhood? No, well, I mean, kinda. What? I got them last year when I lived at home. No, then you shouldn't have. If you couldn't afford them, if you knew what you were going to do in life, you cannot get pets. That's selfish of you. Yeah. It's brutal to say, but it is. It's selfish to get pets you cannot take care of. And it's not his responsibility to take care of your cats. so what else because really I'm just hearing your choices I mean I love my cats I'm not going to just get rid of them that's not what I'm saying what else is he not covering anything that isn't food or rent so like any of the cleaning stuff like the taking care of the apartment like anything like that listen that's like

31:30that's not even that crazy though cleaning supplies is not that crazy yeah but it adds up it could be like 50 bucks a month Cleaning supplies is not crazy. I know you like free things, and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30-day trial of simpler budget premium to new users when you buy my four-class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? no worries, you'll still get access to that 30-day simpler budget trial.

32:11And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone and now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. A lot of the food is also on me. Not groceries. A good amount of the groceries are on me. Why? Then you guys are over shopping. No, because he has a payment. The payment plan can only cover a school amount of money.

32:50Yeah, how much? I don't know exactly. It's not my money. I don't look at it. But you guys are communicating and you're covering things. You should have some kind of insight. He pays for like a quarter, almost half of the food. If he does half, then you're not cutting into your money. because you're just covering half, which is two people, you. Yeah, but everything that adds up. Like all of my monthly expenses are a lot. Yeah, by your choice, not from him not being able to cover. I mean, it's not my fault that my car is almost$600 a month. Yes, it is. I didn't really choose that car myself. Your parents did?

33:25My grandma did. They forced you to? Pretty much. What is pretty much? It was between that and a more expensive truck. Huh? Why do they get to choose what car? Because my grandma took me car shopping when my first car broke down. Then you say, no, grandma, take me home and then go car shopping by yourself. I couldn't. I was 17. Yes, you could. How was I supposed to go car shopping without a car? Uber. With no money? Buddy, literally nothing? You didn't have a part-time job? I did, but I got fired from that job. Why? I was about to start school because the company got like the company went away.

34:07Basically, the company stopped being a thing. So you got like, OK, that's different. OK, so you get another part time job. I guarantee you're going to drop some fries. A lot of these things is ending up to be every time we go down there. I can go further down the rabbit hole and it turns out it's something that you chose. Kind of to a certain extent. It's like you chose to not do the harder version, but that could have saved you longer. Like, well, I mean, she took you car shopping. She did not force you to. She took you to like two places. Right. She just didn't want to go further? She's disabled.

34:36Okay, go home. Uber. I couldn't Uber. I didn't have any money to Uber with. Well, this is why, again, you should have had a part-time job. I know, but I couldn't get a part-time job if I couldn't drive there. I lived at least 20 minutes away from anything. Couldn't work at McDonald's. It was also 20 minutes away from me. Okay, I hear that. And there was no public transit near me. You can shop for cars online, though. There's always options. I know, but I also had no credit, so I needed my mom to go with me. But that has nothing to do with your grandma going with you, does it? Well, no, because my grandma, my parents works.

35:08My grandma went with me and then she told them which cars we found and stuff. Cool. Tell them what car you find online. I was fine with that option. My parents were not fine with shopping for a car online. They wanted to see it before we got it. So they wanted me to get one from a dealership, basically.

35:32It's interesting. Yeah. I mean, it was either that or get... Because the other option was to go to Dodge, which is way more expensive, and get a very way expensive car. I mean, I don't know. I don't know what's on the used car lot. Private sale is also worth looking at, but... Yeah. There were also... You couldn't borrow someone's car? I literally had no one to borrow from. My parents both work and they use their cars to work. Right. But now they weren't willing to one day, the weekend or something. There you go. We found it. I told you the further we go down, we could find it. Come on. They're not working seven days a week.

36:11I was taking care of my grandma. She's disabled. What? That doesn't mean you can't borrow a car? I was helping her on the weekends. I wasn't really working on the weekends. You can take a couple hours. I probably could have. Yes. There you go. We can always find a solution. That's what happens. And this is like, listen, I know I'm harping on something that has already happened, and you'd think maybe that's not productive. But the thing is, if we don't correct that mindset now and make it just take the easy solution because it's right there, you're going to be in this situation for the rest of your life.

36:41You're going to be here forever. And I've seen it time and time again. I need to correct you that if we try to actually problem solve and whiteboard the dude, figure out the solutions and cross off what doesn't work. but you usually end up with a couple different options, and we just found it. Borrow a car on a weekend for a couple hours, maybe for a couple weekends in a row, a few weekends in a row to try to find the right car. So there we go. That was bull****. That's what I've just learned.

37:15So your purchases we already went through. Yeah. You spent over$1 ,000 on Legos for him? No. It was all that whole like week No in total before in general Oh probably yeah But that was over three years I mean that's not Yeah but look where you've Gotten in over three years Put yourself and potentially you Guys on a better footing because you guys have been together for three Years marriage might be in the picture Yeah that's my goal Then you Have to sacrifice now for it Listen behind Every giving action Not I mean if this This sounds weird to say, but there is an argument to be made by psychologists.

37:57So you'll probably know. Yay, me. Psychology. You can probably source what I'm saying because I forgot where I learned this from. But I think it was in psychology class. But behind every action of giving, there's still a bit of selfishness behind it because it makes you feel good. So you're still doing this kind of for you, even though, yes, it makes him feel good. but you wanted to give that. You love the feeling of giving and you were putting that before actually setting you and him up for a future together. If marriage is your goal, you have to sacrifice. Yeah. I mean, that's my love language is like giving and it's really problematic.

38:37It 100 % is, but like, that's the best way I know how to show people that I care about that. Eventually soon. Hopefully I'm guessing, well, I'm not guessing, but if it were me as soon as possible. And him? He wants to wait probably another two years until he's completely done with school. Because he just wants to be done with school, which I mean, I get that. So you want to get married today and he doesn't? Yeah.

39:03It's hard. Yeah. How does that make you feel? It's rough. Because I feel like I do a lot. But I mean, he says like, oh, well, I want to get married, but I just have this going on. or I just don't want to rush into it or I don't want to do it right now. So it's been a lot. There's a lot of things like that. And that might be valid, but also at the same time. Yeah, we've been together for three years. Well, not just that. Are you sure he actually wants to? Yeah, I think so. If he's not willing to just go to the courthouse and have a ceremony in two years? I want to say I'm sure, but... Okay. There's really nothing I can do to prove it.

39:43Okay.

39:49is it your finances because i've talked to a lot of couples where it's like they're not willing to get married because one is financially honestly i doubt it just not to sound like not to make him sound horrible but like he didn't know much about finances honestly to begin with because his parents like never made him deal with it they just kind of did it for him so yeah but so i don't think he really understands the extent of how bad it is right now for me is it okay can i call him in the post show and tell them how bad it is? Yeah, if you want. I mean, I'm not going to stop you. I do want to.

40:18We'll do that in the post show. It's important in this conversation if we're discussing marriage. Okay, another thousand dollars in debt, essentially. We got an Apple card. Yeah. What are we buying here? Another iPad? That was... It's just been built up. Household expenses, mostly. So, like, Publix, like, food and stuff. I go through your Apple card. Will I see that? Yeah. Only that? Mostly, yeah. Mostly. Now let's change... No, I said mostly. It's mostly that. I will say there's probably some stupid stuff. Put it up then. Okay. I have a statement here. I mean, it's 60 % stupid. Yeah. Mostly stupid.

40:56Wait, what's stupid? Okay. Subscription. Subscription? Okay, but what subscriptions? Because some of them are actually important. Premium. For what? Where we are. Oh, YouTube? Yeah. I mean, what do you want me to do? Not have YouTube premium? Okay, that sounded really bad. You're having it. No, I use it every single day, and it's a student discount. Okay, so you're immediately pushing the goalpost. You do not need a$144 version of Grammarly. That was for school. I think that came back to me at some point. It better, but you do not need... Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8.

41:37Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery. That expensive version. No, but I wasn't trying to get it. They said that I get a subscription from school. Yeah, before you get too excited, that is just one out of like a thousand here. Domino's, pizza. Yeah. Yeah, that's bull. Yeah. Not going to try to justify that. Wow, we made it. We made progress. I didn't have anything in the freezer. Our freezer's tiny. What did you get at PacSun for$65? That was me replacing, I believe, some pants that got ripped or whatever.

42:10And you had no other pants? No, I did. I just. There you go. Yeah. Some subscription or Apple pay. Einstein Bro's Bagels. Panther. Fit Panther. Surf style. Surf style. Yeah. Einstein Bro's. HBO Max. Bullshit. That was 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 bulls**ts. 1, 2, 3, 4, 5, 6, 7, non bulls**ts. And honestly, if you go into the store and you get a$10 thing, I'm not confident that that is groceries and not just you going and getting... No, I mean, that's where I work. When you stop at the Square,$10.67? The Square? Melbourne Square. I genuinely have no idea what that is. Minnesota? Minnesota?

43:01Minnesota. M-I-N-I... Oh, that was in the mall. That was in the mall. Bullshit. Yes. Great. So it's even more bullsh**. Yeah. Wonderful. Great. How long have you had this card? You said you just ramped it up. No, I've had that one for a while. Over a year. Over a year. Oh, you f***. Oh, lady! Lady! There's more pages in this statement, and it's all f***ing bulls***. You went in and got some bulls***. Went in and got some bulls***. Went in and got some bulls***. Japanese restaurant went in and got some bulls***. Went in and got some bulls***. When did I get some bullshit? Barnes and Noble, go to the fucking library.

43:41You're on a school damn campus. Netflix, when did I get some bullshit? Domino's, bullshit. Apple bill, an Uber subscription. Not just an Uber payment, Uber subscription. But we have a car. We have a car that we pay so much for. Yeah, yeah, yeah. Okay. Ever wish your brokerage paid you for a change? Yeah. So Silo actually does that. With Silo, you can earn up to$5 ,000 cash back every year just for holding your stocks and ETFs with them. That's right. You invest like normal and Silo gives you 0.5 % back on your entire account balance, including what you've already invested. Meanwhile, most free brokerages are raking money off all your trades through payments for order flows or pocketing interest on your idle cash.

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46:38So if you're ready to take charge of your investing, join the 25 million people that are already using Moomoo worldwide. Just sign up using the link in the description and pinned comment or scan the QR code on screen and claim up to$150 in cash rewards. Thank you again to Moomoo for sponsoring this video. let's get back into the program great thank you guys we have an uber subscription barnes and noble that's school that was not fair what the barnes and noble charge the school book yeah it was books okay great guys we made it we made it one out of like 30 everything's justified it's all good let's celebrate again there's more golf come on come on what are we doing why even put it on the credit card anyway because you're just going to be accruing interest.

47:25I didn't have it in the checking account. Is it interest free right now? No, it is not. Oh, for f***ing. I think that's the one of two that are not interest free right now. But the rest of them are.

47:38So stupid. When they're saying you put a lot of the move on here. Like$200 couch, $60 of posters, reverse osmosis water filter, toaster oven, steam cleaner, all the cleaning supplies, which that part is fine. Decor,$200. You do not need f***ing decor. A mini fridge? One fridge isn't good enough. F*** you. No, because the fridge is tiny, and I'm trying to keep room to not buy food all the time. What? Our apartment fridge that came with the apartment is literally tiny. Yeah, great. I don't care. Well, I mean, that's the percent. Go grocery shopping once a week. I don't give a f***. Stop. Meal prep.

48:18I don't f***ing care. How tiny? Very small. Show me how high. That's fine It's a smaller fridge We've all had weird small fridges It's a fridge and freezer Yes we've all had those before In a chief college apartment This is normal Don't you work at a grocery store anyway Pick up the food on the way home Okay Okay Great And we need all the decor and all the posters Well that was my first time moving out

48:53I mean I did not need that to survive you're saying you justified at the beginning of this conversation this is how you listed at the beginning of the conversation I covered all him because his mom his grandparents can only cover school from his 529 okay great okay maybe there's some sympathy here posters had to get it had to get the couch had to get all this bullshit in the month that we move all the posters all the decor the steam cleaners all this stuff we had to get had to get we wouldn't survive we would have gotten evicted if we didn't get this come on don't set me up with this with the sympathy bullshit when it is found out to be bullshit it says it ruins my trust in you for the rest of this conversation you're no longer a reliable narrator in your own finances because you tried to mislead i mean that's how it feels for me feels well i mean that's like in that day yeah you're not in that day yeah i'm aware now but i this isn't that day either so i mean i'm trying to explain how it felt in that day you didn't say that now you're just pushing the goalpost again now you're just trying to come on yes you are you're trying to tell me what actually happened and now you're like well actually i was just trying to tell you what i felt like in that day not what actually happened I don't know how else to describe it You can say I made bad purchases They were stupid No you said I had to cover his expenses Yeah and I've made dumb choices I said and I've made dumb choices I don't remember that I definitely said I've made bad decisions But in that context In that statement Exactly then I don't give a f*** Because all I'm doing is talking about this part The part of you moving in You didn't qualify those at the same time.

50:41They're all a bunch of dumb choices. Well, there you go. Say that instead of trying to lead a sympathy play to make you look good out of the gate. Hey, I just had to cover all his expenses because he just couldn't afford it, and the grandparents only covering the school thing, and they said he couldn't work, so he couldn't work, so I had to cover this stuff. Bullshit. Partially true. Partially. But barely. It's your own cats. You cover your half of the groceries. Really, it's just the cleaning supplies. And that could be like$25,$50 a month. You're in a small college apartment. That's a cheap idea.

51:15Stop it. Yeah, okay. Maybe you have too much of an apartment. If we're being honest. Okay, but to be fair, I did hunt for apartments for months. And there were like no good listings. That was like the best one I could find. Unfortunately, you've lost your reliability. Yeah. I wish I could believe that. And a part of me does. But unfortunately, part of me doesn't now. With the car thing, couldn't literally borrow your parents' cars on the weekend? Trying to make the whole financial situation a sympathy play because I had to cover the boyfriend because he couldn't work. No. I didn't say it was all that.

51:53Come on. You know how it looked. You know how you were framing it. Don't try to rewrite the conversation. I mean. Don't try that. Don't. We're not going to get anywhere if you do that. Is this how you've talked to everyone ever? Have you tried to manipulate conversations? I don't think so. Hmm. Okay. Certainly hope not.

52:22What is this? Boyfriend is going to try to pay her back for what she's paid. But a boyfriend has helped her out with car insurance in the past. You didn't even say that. So you helped him out, but he's helped you out before. and you didn't even, again, you should have brought that up. When was that relevant? We haven't talked about that. We've only talked about this stuff. Because you brought, again, came into this conversation. Do you not remember what I just said like a minute ago? You came into this conversation with the sympathy play of I had to cover him. This is where you also would say, but he's covered me before.

52:56So, you know, actually, we're kind of even. I never said it was uneven. I'm just saying. No, you didn't. You're right. You didn't specifically say it wasn't uneven. but you came in to try to give sympathy by saying you covered him. Okay, but you asked what was on the card. That's a lot of what was on the card. What? I didn't know the Apple Card existed at the beginning. At the beginning of the conversation. No, you asked where all the debt and stuff is coming from so I gave you the whole, that was part of it. That was the whole thing. But usually in contextual conversations, people would say, but also he's covered my expenses in the past as well, so this is kind of Well, I didn't think that that would be relevant at that moment.

53:31Are you not capable of normal conversations? I mean, sometimes I guess not. I don't think about like the whole thing. I mostly just think about that exact question. You told the producers you think he owes you$3 ,000 to$4 ,000? Probably. What if you covered that as$3 ,000 to$4 ,000? No, your cats do not count. No, not$3 ,000 to$4 ,000. That's what they wrote down from your conversation with them. Unless they misheard you. I don't think it's$3 ,000 to$4 ,000. It's probably a good amount of money, but I don't think it's$3 ,000 to$4 ,000. For what? Your cats? No, just— Your half of groceries? I'm so confused.

54:11$25 to cleaning supplies on a monthly basis? What is he paying you back for? All of this stuff— The Legos? Does he have to pay you back for the Legos? No. Then what the f*** is$3 ,000 to$4 ,000? Because now it's almost putting yourself in an entitlement position. Okay. I don't know how exactly to describe it. I have all the receipts and stuff, but a bunch of the things that we did the first month of us living here. Is it just for the furniture? No, it's for that too. Okay, well maybe it could be for the furniture. It's for part of it. Did you guys make an agreement that he's going to pay for half?

54:45No, I just know he will. I mean, out of everything that they added up for the furniture, it was like a couple thousand bucks. So where are we, three to four? We've only lived together for a year? Less than a year. We've been living together since December. Then what the fuck? No, that's what I'm saying. I don't think that's what I meant to say. I genuinely don't. Okay. Yeah, there's no way.

55:08Next card. See what new personality trait we discovered in this one. Freedom. $1 ,000,$5.35. I know I'm being hard and I'm pushing you hard, but it is important to call out the things you have said, the way you have established the conversations and your way of not being able to find a potentially slightly less convenient way to do things but save yourself in the long term, I need to call them out. I need to push back. And I need to call you on your bullsh** and you push back on those because you will continue making the same mistakes forever if I do not. And you're a human that exists in this world.

55:49I cannot have you f**king up forever. It sucks for you. I don't want to see someone suffer. $40 payment on this,$1 ,005.35 owed. Oh, for f***ing. Well, it looks like the balance just paid off last month, but then you purchased$1 ,005. Yeah. So, what's up with this card? That's the shared card we used when we moved in. Who shared? Shared with who? The boyfriend. Well, not shared. He's an authorized user. Oh, God. But you're not married yet. Why are you getting so entangled like this? Because he had no credit. Tell him to get an intro credit card. He did. He actually got a fizz card. Okay, then all of a sudden we realized.

56:27Yeah, I wanted him to start building credit. Okay, so he got the Fizz card. Great. So why the f*** did he need to be on this card? I added him before that. Why didn't you just have him go get that card first? Okay. Because he had no credit to get one. He could have gotten an intro credit card. I don't know what that is. Just the credit card that everyone gets. A credit card that on college campuses, they have booths where they're like, sign up for this credit card. Oh. If he really just needed an intro, he could have Googled, Googled, GPT'd, Grock'd. He could have anything. Well, I just, that's what I thought of.

57:03I thought, oh, I can add him to this. Okay. You know. It's the shortcut angle. It's kind of a repeated thing in this conversation. But again, I do want to call out. I feel like it's just a lack of knowledge. Huh? I feel like it's just a lack of knowledge. Yeah, but lack of knowledge is less of an excuse today than it's been in human civilization. You have the access to everything at your fingertips. I know some people are like animally anti-AI. Some people are like, woo, AI. But here's the thing. I mean, with like 4.5 using like the deep research version there, you can learn anything you want to learn.

57:34And you can fact check to confirm that everything's okay and correct. But just history, stuff that is able to confirm at least throughout history, it's like you can learn anything right now. You can have a scour the internet to find resources for you and knowledge for you. And then you go learn the resources through the sites that it finds, through books, Google, Bing if you want to get weird. or just uses bing exactly that's what i'm saying but the resources here but you have the resources yes the lack of knowledge is a choice at this point now you don't know what you don't know there is that but the thing is once you know you don't know something which you know you are not informed on this you can go learn there are shows like this where we teach the basics we have our educational classes we have a fucking debt it's in depth on debt in depth on budgeting in depth on investing and death on real estate where you can spend hours taking our quizzes and I give you everything that we have brought in experts to teach everything everyone would have to know.

58:34There are so many resources out there. It is not a I'm 21. My frontal lobe is not developed. I never said the frontal lobe. You didn't say that but a lot of people said that but you did say I'm 21. Well yeah I was trying to explain that like I'm 21 but also I don't know I just feel like there's just been so many things that have gone on with me that I I just feel like all the time I'm just screwed. That's not even true, but we can all get down. No, but I'm not saying just the money. I'm saying in general. No, I know, but that is not true. You're in a position where you're in college. You live with your boyfriend.

59:07You're potentially going to get married. So far, I mean, yes, we've looked at lots of different debts, but we're at 4 ,000 hours to death. That is too much of your – two months of your income. Unless something gets absolutely insanely worse. No, you're not in the worst position. You're in a position where you're doing stupid things, like the spring break and justifying it because it's someone else's birthday. It's just like you're not in the worst. It is easy to feel down ourselves and talk to the therapist about that as well. And it is easy to get into that spiral. But you got to bust out of it.

59:37You got to start putting in effort. Again, just building out a budget, man, and our budgeting app. Literally just building out a budget. At least you know where your money is going. You can start correcting things on a monthly basis. It's all automated. It's like so many tools now where, yes, you can feel down, but there are easy steps you can take to start breaking that cycle. I'm not trying to use it as an excuse, but I do have ADHD and I do have anxiety. So when things come up - I have a panic disorder. Listen, everyone in the world has ADHD, it feels like. It's really annoying, but when things come up, because I got diagnosed really late, because a lot of women do get diagnosed really late.

1:00:12So when things come up, they just feel really stressful in that exact moment and I just try to find the fastest way to handle it. And you have to learn coping mechanisms. I do, but - Well, there you go. That's the reasoning for a lot of the choices is I'm like, oh, well, this needs to get handled now. But you're still making those choices now. I'm going to push back. I'm going to push back. You are still making those choices now. Look at you. You are speaking educatedly about your own decisions, meaning you know they are going on, meaning it is your choice to not seek the help to develop those coping mechanisms of the results that you are doing, meaning when those results of your actions are happening, it is your fault still.

1:00:45It just feels like I work too much. An ADHD is not a – you do. Yeah. Like I don't have the time to go and see somebody about it just because I'm trying to work. You legitimately might. And with your degree and everything, student loans might be a valid return on investment for you versus working 40 hours a week. It might not make sense for you to work 40 hours a week. And that is okay. This is not Dave Ramsey. I'm not. You have to go to college completely paid for. You can get a good return on investment if we do this correctly. You know, you already did the associate degree at community college.

1:01:15Yes. See, if you already done it like the right way, that part. If we borrow a little and work 20 hours a week, that is okay. Yeah. But also you just went and spent a thousand hours on Legos. Like it is not the fact that you are working. There are actions here as well. You were putting yourself in a hole where you're now forced to work because you have minimum payments. Yeah. Cause I saw it was shiny. Cause you saw a new shiny. Yeah. I mean, that is literally the reason. So it looks like this card is 0 % intro. Yes. Now rinse takes your laundry and hand delivers it to your door. expertly cleaned and folded.

1:01:50So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Groceries or bull? It's hard to tell. Quest Diagnostics. Yeah, got to make sure you don't got them STDs, STIs. I got it. I got it. You got to be safe. You got a car wash. I mean, it's Florida. No, I wash my... I try to take really good care of my car just to keep it, like, obviously worth something because I don't want it to be, like, bad because my car is white, too.

1:02:38But you're not near the beach. You're not getting salted and not dust. Our water has pure sulfur in it. Like, the sprinklers that go off... The sprinklers in my apartment, they're purely sulfur and it leaves... And you park on the sprinkler? I have no choice. All the parking, all the parking is surrounded by the sprinklers. Okay. And it's really, really bad. A suggestion. Yes. Buy a one gallon bucket. There's no hoses. No, fill it up in your sink. Oh. My gosh. And walk it down the stairs. Yeah. Fill up a one. I did cancel that. I actually did cancel that. It was a subscription? Yes, it was. I didn't realize it was a subscription.

1:03:10And then I was like, I got my, I will say I did get my washes out of it though. I, once I realized it was a subscription, I got it. I got a crap ton of washes out of it. Because you could pay for, I think what happened was they told me like you could pay for the one wash or you could pay that exact amount for the one wash. Yeah, I mean they coaxed you into it. I get it. Yeah. Do you have to pay this off by? June, I believe. Oh no, not June. Is it? I think it is June. I can't find a date for some reason. And it was on there. I believe it should have been.

1:03:47June 14th? Yes. That's what I'm being told. fuck me okay so we have to put 1 ,005 point 30 1 ,005 point 35 one second one second sorry I mean it's essentially you gotta put 510 dollars to it on a monthly basis can I throw something in is it good or bad it's not horrible when I was so what is this freestyle watches that's bullshit I sold my Apple watch that I had. I sold it because I wasn't using it. I sold it to my sister. I got this one with the same amount. Do you need a watch? At work, yeah, I do. Because there's no clocks anywhere, and I have to be on time everywhere. You can't check your phone like that?

1:04:33I mean, I can't. It's just I'm really bad at it. And a lot of my work pants don't have pockets because women's work pants suck because we have no pockets. So I end up leaving my phone in the office instead, and they don't want us on it all the time anyway. So it's also a very big appearance thing for my work. It's the biggest thing. It's just the stacking up of things. But that 100 % is my company's appearance thing. And unfortunately at the grocery store, I cannot assume that every purchase is 100 % necessary. Because you work there, you might be grabbing energy drinks. I do bring energy drinks with me.

1:05:04I do not buy them at work. That is a good start. But you could be buying snacks. Things you don't need that you're passing out. Yeah, I mean, it's really hard because of the bogos. Because of the what? Bogos, buy one, get one. That's my store's big thing. I'm being honest. Also, can I throw that thing in there, please? Sorry, for the Chase Freedom Unlimited, I was planning on paying that off with my tax return because I put aside extra withholding. I always put aside extra withholding, which I know is not the best way to save, but it forces me into it. So as many of you know, I've been a big supporter of Course Careers for a long time.

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1:07:14And when you're ready, use the link in the description for$50 off the full course. Your future starts right now and Course Careers is here to help you shape it. Okay, so for sure. And that got delayed because my dad got pulled into extra work, so he's almost working do you know how much you're getting for a refund last year putting aside less than I did this year I got almost two grand I think it was two grand so probably a little more than that hopefully you put aside more huh last year this year you said you put aside less last year why would you put aside more this year because I was working I was part time so like as of this year I started putting aside more on purpose yeah you really don't want to get anything back I know it's just my grandma always told me to because it's like a forced savings account well she's wrong I know yeah but she's my grandma and wrong I would not listen to her.

1:07:56Well, yeah, but I think it was your grandma. Yeah, I would tell her she's wrong. I do not have the guts to do that. Well, you can also just not do it. Just don't have a conversation about it. No, she had been asking for my stuff. Well, she needs to get the fuck out of your life because she's being weird. No, I love my grandma. Yeah, but she needs to get the fuck out of this kind of stuff. The car situation and this. For savings, sure, if you're literally incapable of existing. Buddy, set up automatic transfers to savings. I did that now. That government's not giving you a high-yield savings while the thousands are sitting there.

1:08:29And honestly, I'm concerned based on the habits we've seen here, the language we've used, the conversation we've had. It's like, okay, yeah, you might get a couple thousand bucks. They can help you pay off this card and one other card. But you'll just balloon them back up because if you don't – this is like a consolidation. It's like a bankruptcy. It's like a balance transfer. If you don't change the behavior before you just wipe it, then you go right back in because it's not like you're closing the cards anyway. and there's not a single card with a$0 balance on here, unfortunately. I thought there was.

1:08:57F*** me. Okay, you're right. So. At least I've never missed a payment. I know that's not a lot, but. Yeah, but I've also heard probably 20 people say that and then I find out that they have. No, I've actually never missed a payment on that. I really hope so. I can pinky promise you I've never missed a payment on anything. We don't need to touch skin, but I really hope so. No, but I can pinky promise that. Okay, I hope so. Amazon card. Okay, it's weird. You paid a good amount, but then you purchased on it. There's a balance. It's a small balance. It's like I don't understand why we keep it. $103.97.

1:09:33Yeah. I try not to spend too much on that one, obviously, because it's not in an intro period or anything. Okay, so your Amazon card. Pull up your Amazon account. Okay. Laundry. Okay, that's fine. Slim case for iPad. Okay, well, I wasn't going to break the expensive thing. Another reason to spend money. Yeah, but you spent money to spend money. Yes. You get it? Also, I didn't want to break the new iPad I didn't want it to just immediately be worthless Yeah, but also Maybe don't get a f***ing iPad You did Expensive vacuum You do not need that right now No, no, no, no I'm sorry, I know it's going to sound bad I have really horrible allergies And the carpets in my apartment suck Yeah, but to get a vacuum that's not a thousand trillion dollars That is a nice vacuum That is what I have That is a nice vacuum If you look up a vacuum right now They're all gonna be way more than that They're gonna be very expensive That one was not that much It was like$100 Oh maybe this isn't the one I have I was about to say I was like I literally picked one of the cheaper ones Okay$200 It was on sale I bought it on sale That's the only reason I got it Was because it was on sale

1:10:43You got it for$130 That's close That's close carpet thing for the cat it looks like more cat stuff air purifier more cat stuff blue via that's the water filter okay our water is horrible congratulations get a Brita we did but it says that all it does is filter for taste it doesn't actually filter anything out who says that? the Brita filter if you look on the packaging there's literally a whole label that says that it only filters odor and taste it doesn't actually filter anything A lot of stuff, and then we're back to the sud stuff. Dual chamber composting. Yeah, we compost. Don't. That's good for the environment.

1:11:30It is. You just can't afford it. Well, yeah, but we don't pay anything for it now. You got to buy the composter, dude. Well, yeah. The thing is, listen, I will allow a justification of the case. I will allow a justification of the composter. I will allow a justification of blah, blah, blah. But the thing is, all of a sudden with your conversations, it's becoming justified, justified, justified, justified, justified. And this justified is stacking up so much to where you can't afford it, meaning it is no longer justified. We can justify a couple things here and there, but your justifications are so much on a monthly basis that it no longer works.

1:12:03Peppermint bullsh**. I mean, this is f***ing stupid, dude. This is so much buying. You're getting so much. Oh, my gosh. Okay. Oh, four things in your cart. Let's see. More pants. No. Okay, no. So my boss literally two days ago told me that the pants that I've been wearing to work are not in uniform. More blue villa f***ing filters because that's a forever investment. Yeah. Child safety cabinet locks. Oh, our freezer, the door does not stay closed all the way. Oh gosh, tell the landlord. We did. They said there's nothing they can do about it. Report it. I did. To the state? Oh, no, I did not do that.

1:12:38I thought you meant like report to them. Well, I would just chat online and see if that's legal or not. Okay. Filtered shower head? I'm not buying that. No, I was just looking at it. I just wanted to read it, but then I was looking at it and I didn't want to lose it. Going into your settings. You have the SeaWorld app, please, for fuck's sake. That was only for that day. I did not buy it. I did not have it. We don't even go off there. Looking at the subscriptions. Oh my fuck. Yeah. Expensive AppleCare. Apple Music. cozy gold duolingo iCloud plus life some premium lightroom photo and video 50 bucks all the 30 bucks 40 bucks duolingo huge structure it's one button which one any of them you can cancel all of them with one button right here so shut the fuck if you tried no you know it says that i canceled lightroom structured daily planner oh my use the notes app or something yuca yeah What the f*** are you even half of these?

1:13:43What is Lifesum and Yuka? Lifesum tracks your calories and your intake and stuff Like every day You can do that on the MyFitness app for free No, you have to have a subscription for MyFitness To track the calories? You have to have a subscription to use the fitness app What? I didn't Yeah, if you go into the Apple thing It'll tell you you have to have a subscription for it I use that right now and I don't think I do I don't know They gave it to me for free that tells you or what the other one that you didn't say it breaks down what ingredients are in each product to tell you if it's safe or not that's because I have really bad problems with my hormones so it tells me if things are endocrine disruptors or not oh boy I feel like that's reasonable I just wonder if you're going to make it to like 60 why because it just seems very broken oh yeah no I have a lot of problems I'm not even going to lie about that Okay, Citi Double Cash Yes That is only balance transfers Oh, apparently the Amazon card's actually at$300 now Great We're going back $300 to the Amazon card Minimum with the payment Probably still like$35 Okay, Citi Double Cash Another$1 ,465.75 Holy cuts of a thousand Death by a thousand cuts, dude Yeah.

1:15:06So, like, none of these balances are absolutely insane, but it is.

1:15:13What? What is this card? It's only balance transfers. Oh, you balance transfers? I was wondering what the fee was. Yeah, but it was zero. It was zero APR on that for 12 months. Yeah, but that's just a deferment. I know. It does. You thinking you make progress psychologically so you don't cut back. And we already saw you spent four times what you brought in. Yeah. So it's like you obviously psychologically feel like you're making progress with this, and it's not working for you. Okay,$41 minimum fee payment. Yeah, there's your$40 fee, transfer fee. I was like, got very nervous seeing that fee. I was like, did she f***ing lie?

1:15:45No, I did not. No, I did not. Okay, and yes, it is until October. So let's see. That one I did know. $1465.75. October is, you'll have about five-ish months. Five payments you can make for being safe. Okay, so$293.15 a month. That's what you need to pay to pay this off. That's a chunky one. That is a chunky one. Okay, what do we have here? Okay, amount financed,$3 ,960. Finance charged,$1 ,752. What the f***? The interest rate's 25.53. What is this? I think that's the loan. It's a loan, yes. For what? It was a personal loan. I paid off all of the cards that I had and then ended up spending them again.

1:16:39How'd that work? Not well. No, yeah. That was a mistake. So we're doing it again with balance transfers and using our IRS money. The balance transfer was before that. I'm just saying. Great. So we really didn't make our f***ing - I thought that it was going to help me consolidate. And again, you spent four times that you made. Yeah. I thought it was going to help me consolidate. So it's like you still haven't learned your lesson today. Where we are today you have not learned your lesson Today I just thought it was going to help me consolidate it December This last December? Oh f***ing s*** Okay so the balance is still basically It's going to be like$4 ,000 And you're going to pay a total of like$6 ,000 Over the history of it Okay loan great Consolidate stupid f***ing dation Yep

1:17:30$158.67 a month Yes. Oh, boy. It's going to take forever to pay off. $158.67. I think it's a three-year loan.

1:17:41As far as I'm aware. What? They told me you took out the loan for moving expenses. Well, no. Yes and no. I paid off the cards that I had, and then I used those cards for moving expenses. Oh. Yeah. For fuck's sake. What moving expenses did you possibly have? my truck and trailer to move. Moving what? All my stuff. How much stuff did you have? I must be unique in this. When I moved down here to Austin, Texas, it was two seats in my sedan. Yeah, no, I had a lot of things. Get rid of it! Well, I can't get rid of my pets and my tanks that I have. I moved with a cat down here. Well, yeah, but cats are a lot different than turtles.

1:18:22I had two turtles in two separate tanks. Then you can't afford them! Well, I didn't know that at the time. Then you shouldn't get them! Your parents shouldn't have allowed you to get them. I was a kid. Then your parents shouldn't have allowed you to get them. My parents are broke too, so. Also, they're stupid? No. Financially? No. Yes. I have no idea, honestly. They're broke, so they're probably stupid financially. Except for a few rare circumstances, in the vast majority of time, if you're in your 50s and you're broke, a lot of that was choice. A lot. There are situations where it's not 100%, but a lot of it.

1:18:59So we can assume financially. So they would probably be stupid. Oh, trust me. People, honestly, even the brokest of people are the ones that work hard because they work the hardest. Because they get themselves in the worst situations ever out of their horrible actions and mismanagement of money that they're forced to work hard. Then they do things they don't even want to do longer than they want to do. Yeah. Well, I mean, that's where the – before I moved, that's why the cards were so high. that's why I got the loan to pay him off was because I was trying to help my parents out to not pay for their stuff but like pay for anything that you know was for me you can't do that it's not your job well I'm aware of that now but at the time I mean they didn't ask me to or anything no no no I was just trying to make their lives easier because I saw how hard they were I appreciate the heart of it it's destroying your life I'm the youngest of five kids and it really shouldn't be you and they started having kids when they were young obviously my parents I don't know they tried to go to college and then they couldn't afford college because obviously college is expensive and so my mom got a full time job and my dad works full time it's like construction but I don't want to make it sound difficult but it's basically like a construction job with plumbing and so he works outside a lot of the time all day and it scares me really bad and I see how hard he works but you putting things on credit cards without them changing the behavior that got them there in the first place is one enabling them and then two.

1:20:23My mom works at a bank. She tries hard. My mom works at a bank. I mean, she tries hard to pay things off. She works at a bank. No, I mean, she knows what she's doing. It just feels like we constantly get screwed. You don't have to work at a bank to know what you're doing. Trust me. We got foreclosed on in Miami, and that's where a lot of it came from.

1:20:40Yeah. I don't really know how else to describe that. I'm just saying if I sat down with them. Yeah. The trying. I bet two things happened. what you did three things one you had a good heart and i appreciate that cool number two number three probably just enabled their behavior that they got them there in the first place you based on everything i've seen on the show that is likely what happened yeah well the car payment is a lot of what's so you had a trailer and all this stuff that for moving yeah dude for turtles and bull yeah the doing and that cost thousands No, I wouldn't say thousands. I mean, that was just like all of it.

1:21:23How much did it cost? The trailer was probably about$300 for just like to move up here. And then I had to pay for rent and stuff, but I didn't have anything put aside. So I paid rent. The first month of rent was like basically on me because my boyfriend, his stuff didn't start until he was in classes, which was in January, not December. So I had to pay for the first month. Does that make sense? It does. Yeah, I mean, I don't know how to describe it. No, it does. And that part's fine. Yeah, but that's where, like, a good amount of it came from was that and everything just being built up for so long.

1:22:00But you're not working there? Where? In Gainesville? I was, but it was part-time because I was also helping take care of my grandma. Who's taking care of your grandma now? And in school, my parents, when they come home. Otherwise, she's just home alone. Yeah, but what about when they're not home? The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years.

1:22:35We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. She's not, I mean, she can still do things. That means you could have worked more. Sorry, I'm a natural pushbacker No, I wanted to, but it was my grandma Asking me not to, like asking me to help her Really? Well, she was asking me to stay and help her I mean, that's so hard I know, it's so hard, but at a certain point It also, it's just like, I never want to be in a position If I have kids that I am delaying them From actually being able to live their best life And then I delay them from starting their life For a decade I mean, it delayed me from starting school Until the spring Yeah, I was supposed to start in the fall, but I stayed Because she was not okay I'm not against the heart of it It's just the It's just like there's been a lot of things that have happened with my family That have made it feel very stupid It's$4 ,500 that you owe Currently, it's going to go much higher Personal loan Oh, yeah, that I knew I also had, there's also, I don't know if it's in there anywhere Student loans Yeah, but this is separate There's also probably some medical debt somewhere Not in here, because I can't find it but I had knee surgery at 19 or 18.

1:23:46What happened? We have no idea. It's not fixed. The surgery didn't fix it. Okay. But my knee dislocates on its own. What are you going to do? Just like pop it in? I don't know how it works. I literally just force it back into place. But I was going... Can I see? My mom has a video of it somewhere. Okay. We'll do that in the post show. Yeah, I was going to say I can find it. Okay. So student loans. Let's talk about that in a second. Let's go with what's here. Student loans. Again, I'm okay with you barring more. What's the intro salary for the position you're trying to get? I don't know. Oh, you mean yearly?

1:24:16What's the position you're trying to get? Any psychology, so therapist, anything like that. And they start around. Yeah, but you're going to need more than just a bachelor for therapy. No, because I can get the certification, which allows me to go right into it. So basically, I can start out at$60 ,000 if I get that right away. Okay. And then it gets more with experience, obviously. I'm not saying do this, but by the student loan rules, you can technically borrow$60 ,000. in low interest federal student loans. See, I was going to, but because my mom started to make more, which she really didn't, it was just to cover the COVID relief, they pulled my funding.

1:24:52So I couldn't get any funding for school. So a lot of, like, there's a bunch of random school purchases that's because my loan isn't there. I tried to do unsubsidized and they said that I was not eligible for it. What does she make? I have no idea offhand, but that's why this year, that's going to, so this semester, this upcoming semester or year or whatever, that's going to change because I'm considered independent now. Independent now. There you go. So have you applied? Yes, I did. I just have to wait for this semester's grades to post before they tell me. $2 ,250. That's not bad for being two years in.

1:25:23Yeah. Oh, okay. So far, it's the good so far, not the bad so far. Okay, so my checking account. So that's all your debt. You said you have some medical debt. How big though? Probably. I genuinely would not know what to tell you. My mom did it. Well, if it's small, it's not going to show up on your credit. Okay, cool. But that's the only other thing I would know. If it's large, it's going to take a bit to show up on your credit, but then it will. My car is also debt. I don't know if that's where that is. Did I have that document? You didn't go through it yet. Oh, I think the problem was that the car is in my mom's name.

1:25:51No, I'm the secondary on it. How much is owed? 23 and change, I believe. Oh! Yeah. No, f***ing. What's the interest rate? 5 % I believe. Okay, that's not horrible. That's an insane balance for someone making. $2 ,000 a month? Yeah, I hate it. I genuinely, that's the one thing I can't even argue with you on because I hate that. You can't argue with me on any of this, honestly. No, but I genuinely did not want to pay that much. It's a 2019 Chevy Colorado. I haven't even f***ing heard of that. It's worth$12 ,000. It's a midsize truck. It's worth$12 ,000. The dealership told me it was worth$17 ,500.

1:26:28When? Right before I moved. It's worth$12 ,626 median. Okay. Private party Which is usually higher than dealerships That makes Alright I mean I believe you I just Even if it's 17 You're down 5 Yeah I know No I hate that fact Cause I tried to go in And trade it in for something cheaper And it would have put me in more debt So I didn't do that Because the car was worth Well you're underwater Yeah Minimumacy payment? 515 Yeah It's horrible For how long? I think another 2 years What's the term? It was 5 years It was 5 years It's been 3 years and you still owe 23? No, wait. It's been two years. Two full years.

1:27:09So three more years. Three more years, yeah. Sorry. Okay, almost$2 ,000 in a checking account. That is not bad. But it is up from 44 when you started. So I feel like we're in just that part before you go down again to where you were. And you went in and got some bullshit. Went in and got some bullshit. Bullshit. Dirty dogs, car wash. BS. BS. I told you about the car wash thing. That was a substitution. But there's two. Yeah, because I... a credit card and then that checking account. There should not be another one on the credit card. Well, there is. That's what we were looking at earlier, remember?

1:27:41First watch. Oh, that one is my boyfriend's car. Sorry. Why is it on your checking account? Because we share that checking account. You share with a boyfriend? Yes. Don't. Separate. Okay. Skims! BS! Always walking out of the grocery store or something of like$4. No, that I hate. this i hate savings went down from 5 500 to 1 300 what happened that is because my um what are skins even it's for bras and stuff it's inexpensive it it is expensive though are there amazon basics bras yeah but they all suck and they wear out really fast so i just assumed it was better to get the one we're all free in the niff anyway i do look at me i can't work though that's the problem.

1:28:27I would totally, but I can't at work. Um, the thing with that, that money partially was not mine. It was strictly school. That was savings for school. And like family from a long time ago. And then I had it in there. So that was not like my money. Does that make sense? It was just sitting in there because that savings account had a better interest rate than my original savings account. So I just had it in there cause I felt like it was better to keep it there. Yeah. Where'd it go? To school. It went to tuition. 100 % went to tuition. My tuition was like at least nine grand or something like that.

1:29:04Now we only got like a thousand in there. Yeah. Another checking account, 300 bucks in there started with 195. Looks like just payroll coming in. Yeah, part of my paycheck goes there for my car because my mom pays it. It's$22 in the savings account for that. Oh. Publix 401k? And that's going to go up because I got full time. 2161, pretty good. Are you only taking the match? I think so, yes. Only take the match. Yes. I don't know what the match is, but only take it. Do you know what the match is? No, I do not because I just started that. Like I just started changing it because I got full-time. So I only had one option when I was part-time and it was, hey, do this.

1:29:40Don't look at the market. No, I don't. It's a percentage of my check and I can choose the percentage. I think right now it's at like 10 or something. But I have no idea about retirement stuff. Let's get you a budget. Okay. Total income$2 ,000 What's your portion of rent? About$800 Fuck me I know Too expensive If I go on Zillow right now I cannot find a place cheaper Probably not What happens if I prove you wrong? I mean I'm in a lease So there's really nothing I can do about it Well not have gotten into a lease You said you were looking forever I did No I did We can potentially get out But either way Why are they under recently sold?

1:30:19I don't care about that On the coast? No Well, kind of We're 10 minutes from the beach But we're not like on the water Oh for f*** sake The college is right there No, I'm just saying For f***ing spring break You're already where everyone goes You're right, it is going to be probably expensive You said f***ing Orlando What do you pay for your two bed? The total is$1 ,707.91 I believe, every month But then we split that $1 ,707 you said? Yeah,$1 ,707 Let's just say, okay, I have 75 rentals available for$1 ,400 or less. Is that including any utilities or anything? Some, I'm sure. Lots of$1 ,200 ones.

1:31:01Lots of$1 ,200 apartments. Lots of$1 ,200 apartments. And it's one bedroom. You guys already sleep together. It's okay. Utilities, how much? About less than$50 because it's the only one. So utilities aren't included in here anyway? Internet, how much? We don't pay for internet. It's included. gas vroom vroom drive drive for you maybe 40 bucks every two car insurance two weeks okay so 80 okay car insurance on a month i pay every six months how much every six months um around 900 i believe it's good it went up because i moved which i don't understand 150 a month phone bill i don't pay for that thanks you do use helium if t-mobile service is good in your area i was I'm going to do your minimum payments and not what you should put towards those two zero percenters to pay it off.

1:31:53Obviously, no payments on student loans now. But the car really. $9.0567 is owed on a monthly basis. I mean, you're already over. So it's like a TP fund. You can do$100. You can do$300 groceries. Again, use the cookbook. Okay. Comes with the premium version of the budgeting app. And you can get a physical version signed. If you sign up for the annual version, I'll mail it to you. Medical on a monthly basis. I know you're broken. How much? 60 for meds, I believe. Not bad. Gym? Don't. I don't need it. I have a school school. No subscriptions. How many cats? Two. Health and age? Both five, and they're both healthy.

1:32:30Get pet insurance. I'm budgeting 60 bucks. Okay. You're$500 under. $511.67 under. Under, like, what I make? Okay. But I can't have you working more hours. In fact, I might cut. The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft. But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it, guaranteed, or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock.

1:33:07Save up to 40 % your first year. Visit LifeLock.com slash podcast. Terms apply. back down to 30. A rare case, but you only have two years to go. Yeah. Student loans, borrow, try not to go over 20 ,000. What's your semester cost? Last semester was nine out of pocket because I had scholarships. 9 ,000? Mm-hmm. Because I had scholarships. And I get to keep the scholarships. What do you mean last semester? So this semester I'm in. You're in your first semester. Three more to go? Mm-hmm. At least. Yeah. Okay. 27 ,000? Yeah. I'm okay with that. Borrow that. Okay. For student loans, no more out-of-pocket expenses.

1:33:44Everything you have is going to life expenses. Okay. But you're still under. You guys need to downgrade your apartment when you can. I'm planning on that, actually. Well, I plan on go talking to your office and ask if you can get out. Okay. If it's expensive to break, then don't. But that's a conversation you're going to have tomorrow. we had to get the ipad and get all this return the ipad yes when did you buy it like a little under a month ago it's gonna i think best buy is two weeks go cry okay go cry to them we know you can do it hey that's not fair i'm kidding just going to best buy i think they have a two-week return policy beg beg beg beg beg when i can't afford life which is true Which is true Let's just get rid of the minimum of the payment Any minimum of the payment we can just strip away The better At least that one's zero APR If you can actually sell your car for$17 ,000 Sell your car for$17 ,000 Like to anybody Borrow 500 private sale preferably Borrow It's going to be hard No no no just one second You can borrow the$6 ,000 and then you can pay it off Personal loan and then get a$10 ,000 car loan for a$10 ,000 car.

1:35:10That brings you down to$16 ,000. That's less debt to pay off, but I bet your minimum payments are going to be pretty similar with both those loans combined. So that doesn't save you on the monthly basis. I would still do that, but I'm trying to figure out how to get you there on a monthly basis. Well, I did try to do the whole selling the car thing. You might do a part of student loans for living expenses, but you do not get to have one single cent of going out to eat or fun or anything. No more Legos, no nothing. I don't know how you've survived that to this point. I did tell him we can't do it anymore.

1:35:38In the summer, are you working? Working. No, I'm absolutely working. I have no choice. Then you are killing yourself in the summer. You're going 80 hours a week. 80 hours a week. Realistically, 60 hours. But just go hard. The hardest you can push you to your limit so that you can save up enough to funnel your living expenses for the next school year. And that gets us even. Is that with going to school in the summer too? Because I'm also going to school in the summer. Sorry. I said school or work. Oh, I'm sorry. No, I thought you meant like - How much school? Full-time still. Why? If you're doing three more semesters.

1:36:14Just because I'm also doing the minor. So I'm trying to get them all done as soon as possible. Well, we have to pay for that too, then. I think this summer is cheaper, though. Because I also - I know, but I didn't calculate that under the student loans. Yeah. Listen, you might borrow about$40 ,000 to go to school. And I'm okay with that as long as you actually finish this, kill it and get into a good paying$60 ,000 intro career and move your way up from there. If that's actually the intro, if it's less than that then you cannot borrow this much. But maybe you're borrowing$40 ,000 and some of that is subsidizing your lifestyle but you're going to work your ass off in the summer as well.

1:36:51If you ever need an extra there's nothing for psychology but I can always of course gift you a course career certification. Just maybe your boyfriend. I don't know. Honestly, that would be great for him. Yeah, we can do that. Work as much as you can. You're going to be in a deficit. It's okay to federal student loan. Borrow some of it. What happens if they do the same thing they tried to do last year and they don't give it to me? I hope they give it to me. Florida student loans right now are really stupid. How many do you apply to scholarships? All the time. I'm constantly doing that.

1:37:27If that happens, then we can have a conversation. We can go from there. I'm going off the assumption that you can. I've just already put a lot into the school. so I don't want to give up on it. I'm not saying you can give up either, but if you have to take one year to save up for the next two years of living expenses, that's not going to be the worst. I'm okay with you starting this career at 23. I had even considered doing that, but I had already pushed my application back and they told me they weren't going to let me. Now that you're in, ask if you can take a year off. Yeah, like a gap. They just say, I need to do it to save up some money.

1:37:56If you start your career at 24, that's not a bad thing. There's a lot of options here. That's what you need to start doing. If anything with that doesn't work out, the store I work for, the managers make at least$100 ,000 a year. So I can always move out. But that's going to demand a lot of your time, which takes away from school. And it's not going to be as flexible. I'm saying if the school thing doesn't work out. Oh, if you want to do it, sure. I have two options for a good career. I'm not stuck at nothing. Join us for the post show. We're going to call the boyfriend and confess how bad this actually is because he doesn't really know.

1:38:31We're also going to watch her get her knee disjointed. And I'm sure there's extra drama and all this stuff that I don't yet know about that Lindsay, the T-master, is going to bring up. So make sure you join Hammer Elite in the description below. It says$10 a month, but literally it's thousands of hours of extra content. And we upload something every day, every day. It's the best YouTube membership there is. Hammer Financial Score, spending in a budget, 0 out of 10. Debt, it's really not the worst of debt. You're just being very stupid with it. The car is dumb. There's going to be a 2 out of 10.

1:38:58The car brings it down pretty hard. emergency fund 1 out of 10 because that's all you got really there retirement for your income and where you actually are your retirement for your age is quite good i'm gonna give that a i'm so excited for that one 7 out of 10 real estate 0 out of 10 and that's not expected at this age so this is gonna be not too shabby because you did stock up a good starting retirement so Two out of ten, not bad for 21. While in college and being in debt, that is not that bad of a score. Yay. I'm going to Norway. You t***. You don't have enough money. Two vacations? Why possibly?

1:39:39What? Because it's my family's vacation. I don't give a f***. They can pay for it then. Call your boyfriend. Put him on speakerphone. I have to tell you all of my debt. How much do you think your girlfriend Sabrina's debt is? Five thousand. Yeah, it's a lot more than that. To watch the Financial Audit post show, click the join button below.