She'd Rather Cheat Than Grow Up | Financial Audit

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0:41I got to sit in the driver's seat. I grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. To watch episodes of Financial Audit a week earlier, check us out on YouTube. And what's your living situation now? Living with a boyfriend. He pays for the rent. You're saying it very weird. After everything started going downhill with my current boyfriend.

1:12It's a person that has helped me through this current situation. Is this like a new friend? Because you wouldn't want new friends dating with old friends. No. They'd probably kill each other. Hi, this is Mia. I'm 26 years old and I'm from Dallas, Texas. And this is Financial Audit. Next, we're coming down from Dallas. What do you do up there for a living? Currently, I am actually getting a new job starting Monday. Congratulations. As a property manager. Okay, yeah. So what are we going to be making in this new position? 15 an hour. 15 an hour. Yeah. Okay. Property manager. So are you going to be like showing people apartments?

1:51So it's a public storage property manager. So I'm just essentially taking care of a storage site. Sure. So the maintenance of it, the customer interaction, stuff like that. Gotcha. And how many hours a week will that be? 40. Okay. So 600 bucks a week-ish. Yeah. Call 52 weeks a year. Do you get PTO? Yes. I haven't discussed that quite yet, though. So$31 ,200 a year. I mean, that's kind of hard for Dallas. Yeah. What are we? What's going on? um so i used to work at a garden that i made 1643 um but then was terminated under false pretenses what's the false pretence um i started hr discussions about things and then they didn't like that and they fired me what um so there was unethical work conditions and i ended up getting injured and had to i slip and fell in a concrete room where our safe was and it led to me having a foot injury for because i landed on my foot i twisted it and landed on it and i was out i was on crutches for a month and then had to still go to therapy for like three months after not a way the life part of this because you know 26 is that the first job you've been fired from no it's not okay it's not what else um i've gotten fired from one other job and it was a game stop how do you get fired from game stop you put a safe code in for a robbery that's how

3:44yeah we got held up yeah we got held up uh at gunpoint but like right before the robbery happened i opened up the safe for my co-worker and then i left are you and they were like why'd you open it for your co-worker because he was busy dealing with the transaction and needed change for his till and i was like hey i'm leaving i work black friday all by myself nobody was here to help me with staffing and so i was like i'm gonna leave early today why'd you leave it open i left it open so he could take the change out he can't open it himself it's on a delayed timer so i just was there when the timer head went off the second time and they came in with guns and then they they were already there you know they so no i didn't so they it was two teenagers they were already in the store looking around um ended up um they were kind of waiting for an opportunity for all the customers to leave and when the one other customer in the store who was a pregnant woman had left i had also left after opening the safe room i was like hey make sure to shut it when you get your change for your till i'm going now and they thought it was fishy that i opened the safe had then left and then like it is fine yeah uh he got fired yeah so i got fired and they were like oh these teenagers just opportunity attack and before we go victim i want to know what were the unsafe conditions at this job that you complained about so you slipped on concrete yeah so they didn't have um concrete in a lot of places yeah i'm not that i'm saying you should get injured or would be injured and like but you know slipping on concrete can happen is that the workplace's fault unless there's water without a wet sign so like it was um when that injury happened it was raining and they didn't have any mats inside the room um which security had even noticed like noticed that was an issue and like the very second i got hurt then they were put mats in the room to amend the situation sure um the unethical work conditions were that they were revoking things like us heaters and we're outside um heaters for like under like 30 degree temperatures they could still have us outside um they removed umbrellas um they were making you complained and you got fired we the whole staff complained and like this was going up then why were you only fired because i started the hr meeting about it and pulled up emails about how our management was talking started an hr meeting i had like requested hr to talk to me yeah and then i had them um i had given them emails from our upper management so hard only getting one side of the road it really is no and i gave them i gave them emails um from our upper management pertaining to like conditions they had us in a ticket booth that had mold in it in which they renovated after the hr meeting and we're like we're fixing everything that's the storage unit know you've been fired twice yeah yeah okay they're okay with it okay well Well, 15 bucks an hour.

6:52Yeah. 30 ,000 hours a year in Dallas. It's hard. It's better than unemployment right now. It absolutely. Well, it's, you know, well, being able to contribute something in general is pretty good. And I would always highly encourage that. And, you know, try to make a career, try to make progress. But you're maxed out on all your debt. Yeah. You're maxed out on all your debt. It's also not my only job. When? Huh? It's not my only job. Oh, what else? When school year starts, I'm a substitute teacher as well. Okay. So that one's up and down, right? Yeah. Okay. especially when you're committed to 40 hours a week at the storage yeah so how did you get into all this debt in the first place and we're about to get into it yeah well what is happening here because i haven't had this much debt at least in a few weeks in terms of like maxed out yeah um so it started it started with a bad relationship um i was bad relationship yes what bad relationship it was one like eight years ago that's when a lot of my credit actually started too okay um i was pretty much giving like 75 percent of my paycheck to my ex what the why for rent oh okay is that giving it to your ex or is that just paying for rent we were living in his parents home yeah so who was collecting the rent his parents so it was their fault or was it his fault it was more so his fault so he he was a mechanic and he made 26 an hour flagged sure and or not flagged and then he would make 32 an hour flagged so when he's working on something versus when he's not working on something and i was making only 13 an hour so why were you paying such a substantial portion because i was dumb and i thought okay well this is 50 50 of what the bills are yeah so that's fair i wasn't really thinking of like he's making so much more like percentage well it's weird that first of all went to his parents so much what was the rent uh they were charging us 1200 and then we still had to pay utilities to live with them to not live with them it was their old like their old family like their small family home it's a rental unit yeah okay yeah but they were the landlord okay well that's different i get that splitting 50 50 can be considered fair it's not equitable yeah but it is equal yeah and that's how i saw it was like oh we're 50 50 it's okay i mean i wouldn't be doing that as the boyfriend to be completely honest yeah but i can at least see it i understand that yeah and but how does so 75 of your money went there so that's why we're sitting in tens of thousands of dollars in debt so that started that started um my first card the one that i have had for the longest that jc penny card um and when um when i did that i had to like move into a storage unit and stuff like that pay that you lived in a storage or i moved all my stuff into a storage unit the stuff i could take with me because he kept most of everything including furniture and everything I spent.

10:05And so the only really thing I had to my name was the start of my Funko collection. A what collection? A Funko collection. I don't know what that is. So they're vinyl figures. They're like little vinyl figures. They're collectibles. I started that in that relationship. And then when I moved to my next relationship, I unfortunately spent during COVID probably be like like the start of the covid like three thousand dollars four thousand dollars into that collection okay on credit cards uh out of my like paychecks what are we talking about right now how'd you get into the debt that was the question okay so because of that i would put things off i would put things off and then would put them onto my credit card so like just small things like gas food stuff like that and i would put it onto there because i spent so much money and do other things okay entertainment and what's your living situation now is it better uh yeah i guess yeah i'm not paying as much into into utilities and stuff like that okay are you living alone are you living with a boyfriend again uh living with boyfriend yeah yeah okay you're saying it very weird um it's kind of a very weird dynamic in that relationship uh it's kind of fizzling out kind of yeah how much longer is the lease if it's fizzling are you guys have you guys essentially decided that you know in the future it's done we've had converse we've had conversations okay on and off again and it finishes in april next year yeah and you guys are basically done so what the is so you guys are living together through or is someone gonna move out and someone's gonna get financially or even both what's probably me you're gonna move out probably yeah so you're living with someone that you no longer like okay at least in that way is that awkward sometimes it's always a discussion of like is it working is it not working and what what did you what did you mean it's a little weird was it just the relationship part or the financial aspect or what financial aspect um just because so he pays for the rent okay um and i only pay for utilities okay so what's weird his his note most times is that he can kick me out whenever if because he pays rent and he's head of lease i'm just an occupant so there's that okay so it's a little weird yeah so it's a little bit more of like a power thing so he kind of holds it over my head power dynamic yeah so he holds it over my head that he can power dynamic is an interesting conversation in our culture today that's for sure this one actually sounds like what people when people because people just throw that word around and it's lost all of its meaning at this point it sounds like you actually have something that is real and substantial because people can say the existence of a power dynamic is bad that's not how this works everyone has a power dynamic you know i have a power dynamic over every employee you stand next to someone that's taller on the street they have a power dynamic some stand as someone who's stronger so a teacher has a power dynamic over a kid parents have power dynamics over children's power dynamic is in every single situation every part of life power dynamics inherently are not a bad thing they exist in every part of the world what's bad is the abuse of a power dynamic it's saying you know if i were to say you know oh like if i were gonna abuse a power dynamic here it'd be like oh we're not gonna we are not going to film this episode unless you do this terrible thing or you know here's this opportunity but you only get it if you do something bad that's an abuse a potential abuse the boyfriend situation is him saying i have control over you living here and if you don't do this this way you're not going to live here anymore and that is an abuse of a power dynamic the inherent existence of a power dynamic is not necessarily the bad thing it's the abuse of it our culture's people use words for every single situation and they've lost all power because of it and it's really annoying so that is correct you are using it in the correct way which i appreciate so okay i mean that's kind of does he utilize that quite often um of course we're only hearing your side of the story yeah be honest um if i don't put like the forefront of like of like being like i guess the housewife of like coming home and like oh hello how are you let me take your thing moves you guys are done essentially it sounds like so yeah but if i still don't do that on and like tuesdays and wednesdays are his days i have to spend i have to spend with him yeah but you guys have decided so why the fuck it's weird yeah and he's holding that over your head the living situation for that it's come up a time or two so if you're not his little housewife on a tuesday and thursday or whatever you said if if he gets to the point that he's boiled down to like why do i even keep you around it's yeah because i mean you guys were at least together and you know still probably technically are but like you know if it's fizzling you guys have kind of had that conversation like i don't know just being a halfway decent person yeah you know because you you know that the lease is meant for april and if it is a move out type of situation you know maybe it's like okay like four months or something you know something to help yeah uh are you okay i see some tearage happening i know that it's tough talking about relationships like this so yeah there are tissues over there if you would need some um yeah it's it's kind of weird sometimes yeah it's an often an argument that like even my friends have kind of heard over over a call and they're like what the heck's going on like why is he doing that kind of a thing and it's just like oh that's just kind of how life is right now so a really exciting thing that you guys should be thinking about is we now have all these extra things with our youtube membership program you can sign up for our post show we talk about extra drama for the episode that we didn't have a chance to dive into why would i want more than one i don't even want one you don't f*** them you just touch them.

16:40Why would I want to do that again? Because it's fun. Is that? And it's awesome. You're good. Hey bro. How is Caleb as a lover? I would give a solid nine. Wow. How do you get to a nine? I just don't know how to answer that because I mean I just do. I just do. For the upper tier memberships. All the people from the crew from over there they come together they make crew casts and they talk about behind the scenes content and how we do everything here. I feel like I don't want to contribute as much because I'm already so much on camera. That is the greatest thing I've ever heard. Twice a month, Noah and I come here, we have a live stream with you guys, and we hang out with you, we answer questions, we chat it up, we talk about the show, we just have a good time.

17:21Caleb reads that book every day. I actually wake up and then I gooned that book in the goon stream. And then most exciting, right here at this table with even more pie charts, we have an exclusive, uncensored, ad-free financial audit episode for the top tier members that no one else gets to see anywhere else. Consider joining because ad rates are always up and down. We're trying to build something great here. And I wanted to make sure to provide the best content and the most amount of content that's ever been in a YouTube membership. Link in the description below. I mean, you were on phone calls with Noah and you probably heard, uh, overheard me whipping him because I'm like, get back to work, you producer.

18:01So I get it. Uh, yeah, no. like and it's so if i'm ever on call i always quickly make sure to turn my camera off and mute my mic because i'm like i don't know where this is gonna go if this is gonna be a good conversation how often is these explosive arguments um kind of every other day oh that's too often i would want to get out of there anyway yeah and at that point that's why i was looking for a job well so okay so yeah depending on getting some income how long were you in between the last job in this job um so i got fired in may got hired last week okay so you definitely took some time i mean you could have gotten like a mcdonald's or something by then but oh i applied how many a day i applied um a day on average five at least there were some days that i would apply there was one day there was one day i applied to like 30 places yeah it's difficult i mean uh in the fast food it's not this episode so i don't have the openings but there were hundreds and hundreds and hundreds of fast food openings in the houston area that we checked the other day uh and you know they have openings they're still looking for places it's the service industry that is has still not even come close to catching up to pre-pandemic levels which is why there's like nowhere that's open 24 hours anymore and it's really annoying so yeah but i get it i mean there's also potential resume issues potential availability issues BJ's Wholesale Club makes holiday hosting so easy we called in Thanksgiving's original host to talk about it.

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20:15And then we'll kind of get back to some of that stuff and address that. Okay. Well, I want to self-assess. Zero out of 10. Where do you think your finances are? Zero being the worst, 10 being the best. What do you self-assess? Three, okay. Want your hammer financial score? It's free. description below if you have any interesting stories or interesting financial situations or worldviews you want challenged anything interesting at all uh and you think you would be you know good to sit in the seat where she was brave enough to be today feel free to apply to be on the show at calebhammer.com slash apply discover it yes everyone loves getting by discover it okay yeah We're sitting at$5 ,597 and 85 cents with$150 minimum payment.

21:02How are you paying these without income? Unemployment? Unemployment. Okay. Because it looks like you're at least not late. Yeah, you made a payment. Never late. But why did you go and purchase on a card? Buddy, this is over maxed out. This is over maxed out. $5 ,597 is already aggressively insane for your income situation. but you're over maxed out because the the credit line is 5 500 so you are already over that how'd you go and purchase seven dollars and 74 cents anyway well it's accruing 129 dollars well you didn't have a job didn't have an income without only collecting unemployment can only do the minimum payment and you're over the credit card balance and it's just accruing why the are you purchasing what are you doing how does that help your situation in life it doesn't then why what were we doing i think it was gas or something i'm not sure what it was ebay it was oh fun gas on ebay no what are we getting some pop heads or whatever uh it was a birthday gift to somebody what um what's your relationship with them and what was it um it's a it's a person that i has helped me through this current situation um what does that mean what what the

22:21sorry i should not have mentioned his name this is yeah no no we'll cut we'll cut we'll bleep his name we'll bleep his name okay but i'm confused what you're um saying so it's the person it's i'm i met them in april when kind of everything started going downhill or after everything started going downhill with my current boyfriend um and they've kind of been there as like is this like a new friend possibly yes oh i get what you're putting down and they've oh gosh yeah they've um kind of helped keep me sane like they've introduced me to a friend group that like friend group so they're in dallas no so everyone lives across the states which kind of sucks states states and country yeah we're told we can be okay but there is that lack of there's a little bit of a lack of connection that you get with your in-person friends yes you know like tonight i feel like uh my friend group like all 10 of us we're gonna sit in a circle and we're gonna goon for like 50 hours it's gonna be it's gonna be wonderful but we get that connection we get that connection with each other uh but virtual is okay virtually goody is okay yeah if that's what you guys do okay well uh not all the friends um so my so the person i met lives on the west coast and he introduced me into a friend group um how'd you meet this playing lethal company lethal company i'm assuming this is a video game actually i've never heard of it but no it's content warning we played content warning together it's a video game is that also okay yes uh we were playing content i was playing with my siblings my siblings got off i stayed for one game with randos what does current friend think of new friend they don't like them they very much don't like them okay have you met new friend in person no i had originally planned to yeah so when i was still working at the old job it was planned that in june i was going to like and like we were still just like getting to know each other friend friends um and we're just like oh your birthday's coming up in june like what would be totally cool meeting each other in person because we had like video time and like stuff like that um and then i got fired which kind of hurt and like that was like the one of the biggest things that i kind of cried about um

25:17so they got put off and then things just kind of got harder um and so like we play we play games and like chat or whatever every night and then we had finally we've come like we planned that in november that we were going to this i was yes this november that i was going to meet not only him possibly possibly it was still kind of up in the air it was i wanting this to happen like was going to try to save up get everything paid down and then what a part of what what a reason old friend doesn't want you to live with them is because a new friend no okay because i would feel like that might be the only valid reason okay no because that was that was things before anything did you guys sign the lease while this was happening because the lease ends in april so i'm assuming you signed like around in april yeah march was when things kind of started happening we're working on things and we signed you guys knew things were fizzling when you signed thought it could work okay okay that's risky yeah four years though so four years okay so maxed out credit card yeah ebay gifts for new friend 27.24 interest rate okay it's over maxed so i don't know how you'd afford a plane ticket anyway maybe a new friend comes or gas or food or hotels and that's true maybe new friend visits here um so how november was going to work was going to come here and then we were to drive to our other friend who is the reason why we were wanting to because she wanted everyone to come down and And she had offered like, hey, place to stay.

27:18So that was kind of on the table of like paying for a place to stay was we don't really have to because we're just going to stay with her. Okay. Because you wouldn't want new friends staying with old friend. No. They'd probably kill each other. Yeah.

27:36But we were going to go to Arizona and then just kind of hang out for like a week. i would get to meet everyone in person because i've only ever really known them this entire time online and current situation partner like living um they thought this was a stupid idea when i brought it up because they're like these people could abduct you like i have probably a better time with with them than that's fair okay well we'll figure that out yeah let's get through the finances um and it's still the choices in the end you know that uh have gotten us to this point yeah and whatever we're the choices we're making in the future whether it's that or you know whatever else we talk about this unfortunately is involved in that because again this one's borderline maxed out this time you're not over the limit but you're 46 dollars away you're at$1 ,954 on your Chase Freedom and a$67 minimum monthly payment.

28:41Again, these minimum payments are going to stack up for your income of$2 ,600 before taxes that come in. And you just made the minimum monthly payment. Thank you for not purchasing. $48.14 of purchases. But the credit limit on this is$2 ,000. Yeah. So you're like at that peak. I'm sure you were there just recently.

29:03You had to have been. And you're only... The interest is really high on that one, too. Which is why I think me just making the barely... Me making the minimums. Minimums, it would take nine years to pay off, and you'd pay a total of$4 ,792 on the$1 ,954. Hi. I'm here to pick up my son, Milo. There's no Milo here. Who picked up my son from school? Streaming only on Peacock. I'm going to need the name of everyone that could have a connection. You don't understand. It was just the five of us. so this was all planned what are you gonna do i will do whatever it takes to get my son back i honestly didn't see this coming these nice people killing each other all her fault a new series streaming now only on peacock and you're only paying the minimum so

29:54let's look at your income versus spending see how that relates to the cards you have and what you've been doing with your debt so total income well there wasn't really any there was a little payroll of 382 but you said you had some oh there's unemployment 777 so combine those together like a thousand yeah 100 i think just enough to pay the what was the atm deposit of uh total 572 across the month um so one of them was me helping out my like an actual friend that lives nearby um he was having issues with his id and stuff so i had to put his money into my bank account and then transfer it to him okay so i can't even count these okay so 1100 what do you think was spent probably mostly food what number do you think was spent um probably 800 of no like 500 of it to credit cards the rest words total number total number total number okay what do you think was spent on everything across the board how much money do you think you spent probably over like a hundred dollars over somehow a hundred dollars over what over what i made because i've done okay so you you made a thousand one hundred you think you spent a thousand two hundred yeah okay two thousand six hundred twenty okay so how are we living off that like we're not gonna live there's no future there you're not gonna be having independence from old friend but that you know in a sketchy situation where you could be kicked out in any moment yeah there's no independence from that there are gonna be some personal choices in here sure there's probably coping mechanisms i get that but there are still safety things you need to put in place for yourself in this situation yes okay

31:48it's mostly miscellaneous bullshit out of your entire purchases it was 30 goes to that going out to eat was almost nine percent yeah of total purchases just as much as your housing all right um so kind of the reason why a lot of it's weird with the current situation and what i'm living in and stuff and dealing with is that um boyfriend like that i'm living with uh it's called boyfriend because family um he plays almost as much if not more with my family members every night plays video games video games yes so they play fortnight with my sister and my brother what are they in dallas as well yes and so like they'll play video games pretty much every night and there's been times where i've had to hear them talking about me or oh yeah okay have you talked to them behind the scenes at all what's happening i've tried um and they always kind of take his side like that oh he's just lonely you should just show him more affection and stuff you should okay but if you guys have decided that it's fizzled like why would you have to be for someone that it's fizzled because like i get it if we were trying to make the relationship work we were and it's just kind of gotten to that point of just like this is just how life is for me i have to i have to play the show monkey it's gonna be inappropriate uh-huh but i'm very forward and candid yeah and filterless uh now that you guys are essentially not you know anymore but he holds this power over making you live there

33:40i still have say in things if it's pertaining to me and myself and how i which is he leveraged that position for different naughty naughties no okay that is i will say the one thing that cool it's good good i appreciate that yeah and i appreciate that he doesn't push that further as well yeah okay synchrony gosh this is such a complicated situation with the family and everything

34:13yeah it's complicated

34:17get people more attention I'd get it if you guys were trying to make it work well that's what they think oh they think you guys are trying to make it work yes well I don't think they think that anymore

34:32yeah it's a weight off your chest though hopefully no oh no they probably pick him over me not in the end in the end why do you not have a good relationship with them no i do it's just he gets along with them better i get i get that but you're still blood i feel like if you know my brother was friends with someone i was dating i was like okay we're done okay well then your relationship's not great with them i asked if it was and you said it's fine but i mean i i say it's fine like but if you guys call each other are half sisters no no i'm saying like we've we have another sister that we've cut off completely from the family just for what reason oh yeah she's a mooch okay well that's a different thing are you mooching no are there things i don't know about here i feel like no play devil's advocate for a second no so like be honest with yourself the closest thing to mooching is like borrowing necessarily mooching itself i'm just talking about why they wouldn't be on your side i just i don't know over the years they've they've said like such negative things about me that i'm just like you know they probably pick them over and they never have anything bad to say about him listen if if the people around you are just always negative and unfortunately sometimes this is family yeah sometimes they just don't have to be as big a part of our life anymore as we wish they could be yeah and that's really hard that's an incredibly difficult thing to do but sometimes that's how it lands synchrony 914.66 great with another credit limit of a thousand so we're basically there again 35 dollar 30 dollar minimum repayment sorry you put 35 maybe that was minimum at that point oh that's care credit 40 care credit sure uh yeah under synchrony okay so and then four dollars and 40 cents of interest yeah that was 29.99 percent interest rate yeah that one's uh medical emergencies for my dog she decided to cut herself open this is why and i know some people are against this but pet insurance has personally saved me so much money she hasn't now much money okay this when this happened she didn't i had just taken her off of it maybe two months and then of course that's exactly when it was she decided to tear open her chest wake me up with blood all over me and so i took her to the emergency vet you gotta tell her not to do that next time well is she healthy and alive yeah okay then she's a very fat pity okay well put her on diet right my dog's a healthy fat she's like she's in her like weight range oh okay i was gonna say there's really no such thing as a healthy fat but if she's in her wealth yeah she's in her her weight range she's just chunky to me alta beauty how much alta are you getting what are you

37:22you're purchasing on this one even though this one's accruing interest what is this your addiction because alta are you alty in every second of your life what are you altying that started at 175 you went to 302 at least you're further from the credit limit of a thousand dollars on this one but why are you purchasing 161 on a thing that you're only paying the minimum monthly payment towards and it's accruing 8.76 so why are we doing that with alta that one i ran out of my unemployment and so i had to get things that were like toiletries and stuff and my hair shampoo stuff i it's been it's been a lot it literally was shampoos and body washes i'm not seeing the purchases oh ulta beauty store 161 dollars i can't see what that was yeah it's it's shampoos and body washes expensive toiletries so you owe $302 and 38 cents on that and you have a$30 minimum monthly payment these are stacking up let me tell you$150,$67 $30,$30 and if you need to live on your own that's going to be hard Dallas isn't one of the most expensive cities in the country but it's definitely not the cheapest either no I've asked my parents um when the last time it was kind of held over my head about the living situation if i could live with them and i said you'll have to give us some time to clean out a room for you well how long's the time indefinitely until they decide that so they don't want you to no they're okay with me living there it's just my mom is kind of a hoarder and she my my dad and my brother would have to like essentially take over her hoard that is in my old bedroom to be able to let me move back in because she she kind of put it all in there instead of around the rest of the house because my dad gets mad listen i don't know i'm not like i don't really like the dollar store because usually it's his worst value for money yeah because you get smaller sizes and like the per ounce or whatever you actually get a little less but if we're literally unemployed and have no money we're not getting unemployment we're not getting income yeah getting dollar store shampoo instead of spending$161.

39:40That's kind of stupid. Yeah. Like, especially on a credit card that's accruing interest that you're only paying the minimum monthly payment towards because you have no money. Yeah. So in what world does this make any sense? It doesn't. Then why'd you do it? At the time, I thought it would be fun because I was about to get another paycheck. So I was like, I'll pay it off. And? It's back down to$100, I think. $100 something. You think? $100 something? i'm just i think it's a back to the original i think i paid off that purchase so 172 yeah all right 172 for this card instead of 302 okay this is a jc penny card whoa you have all the store cards okay yeah you're getting a jc penny that's the one that started it all that's my longest carded card of eight years that's the one i started putting my storage unit when i moved out from yeah a previous relationship that was kind of getting toxic okay so okay trust me i'm not i'm not i don't want to accuse i'm not but allow me to just play a little bit of skepticism devil's advocate that i'm historically terribly known for if every relationship has been toxic that we've had to flee okay well all the ones you've talked about so far just my adult ones okay well i think those are the ones that count not the one where five no like with another kid on the playground i'm saying like high school or like well even still it's very different okay okay i'm just i'm just like it just it brings a little bit of skepticism not in that i don't believe you but in the i feel like i might not have the full story he cheated on me in that one Go.

41:26Yeah. That's bad. Don't do that. Yeah. Yeah. Right now, if you guys use my Moomoo link in the description below, you can literally get 8 % on your money that's sitting in there for three months. It's absolutely incredible. Plus, you'll get 15 free stocks just for signing up with my link. This is literally free money, so make sure you're taking advantage of it now. There is no reason not to. Sign up now. Link in the description below. this is my only fear and again the cheating that's obviously not your fault i want to be very clear but if we're a victim in every single situation in every part of life we're never going to get anywhere yeah and that's just the only thing i want to call attention to it's like don't be a perpetual victim yeah not that it excuses any of that bad actions or any abuse of power dynamics it doesn't excuse but if we're always a victim then we'll always be a victim yeah because are just you know we're just gonna be repeating okay well again not that those are bad i need to be very clear in what i'm trying to say and i'm not the best at that three thousand fifty nine dollars and eighty nine cents is owed on jc penny card again with the purchases you're now now you're self-inflicting victim on this at least on your debt yeah with your expensive shampoo purchases on here getting uh that ebay on the first one so you pay the minimum then you accrued 81 dollars and 78 cents which is insane because why would you purchase a nine dollar 73 purchase on here that's accruing that much interest you basically negated the whole thing your balance barely went down even though you put 109 dollars towards it you're just hurting yourself i think i have subscriptions on their show.

43:12You'll make yourself be the victim by continuing to be a part of PlayStation. Yeah. You're a victim to your own spending habits and lack of discipline and lack of maturity and lack of just growing up, lack of budgeting, lack of, you know, anything. If you're going to use a card, you've got to be responsible. You've got to use a card like the Fizz card. That is the kind of card that you have. You put the money on it, you can only spend a certain amount and you have to pay it off on a monthly basis. You cannot take advantage of these unlimited money swipe cards where you're spending over your limit on that other card.

43:41You need to do things in a responsible way. And obviously, just like any guests on the show, we're going to put you through our budgeting program. Go through it. Take the quizzes. Go through the whole thing. Follow the spreadsheet. Build your budget. Stick to your budget. Go through the education. Same with the investing one, even though you're not there yet. But go through it eventually. I will say the PlayStation is kind of how I kept in touch with my friends for a little bit. No Steam? Steam now, but... Then cancel the PlayStation. yeah because you said used to so okay used tos in the past why would we still have it now if it's a used to for nostalgia to be like oh i saw that playstation charge that's how i used to talk to my friends oh no i think i just forgot about it okay no more forgetting you don't have money yeah okay and also no more getting fired either yeah try not to do that

44:37uh what are all these these are like little affirms they're yeah so one's a firm i think the other one might be carlana carlana i don't remember how to put obviously pay these minimums to pay them off i mean this is stupid you're doing like a four payment on like a 33 purchase no that's how much is remaining it was like a hundred and something dollar purchase and that's some minimum tiktok shop tiktok shop i refunded that they gave me some garbage machine uh yeah i have so 88 i have a lot of dollars 33 these aren't huge but you're just allowing what sucks is your minimum payments you're allowing just to just skyrocket just keep paying these minimums and pay them off in four a kfc tale in the pursuit of flavor.

45:28The holidays were tricky for the Colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's$4.99 chicken pot pie. Warm, flaky with savory sauce and vegetables. It's a tender chicken-filled excuse to get some time to yourself and step away from decking the halls. Whatever that means. The Colonel lived so we could chicken. KFC's chicken pot pie. The best$4.99 you'll spend this season. Prices and participation may vary while supplies last. Taxes, tips, and fees extra. Close these accounts. Never open them again. Yeah. I can't. This is insane. $45 out there. $45. Oh, okay. No, no, no.

46:03$45. Did you just pay in for your ICO payment? Yes. So your ICO payment's already split down from having to pay it annually or quarterly or biannually. Chase, they allow me to split it into four. You're paying for your monthly payment? So I can have insurance on my car. Oh, I know why you're paying for it. Just to be in this position. You're just making it worse for yourself. Any interest on them? no so those they don't have any interest if you don't miss the payment yeah if you don't miss the payments and i've been really good about so you're paying for walmart target geico geico uh okay so wow so this is what's happening your last geico payment you pay in for now your current geico payment you're paying for you're paying both at the same time now yeah but this is gonna catch up with you yeah it's starting to catch up with you so the reason i'm not gonna put these in your budget because i just pay them off and never do it again yeah so the reason i did that was because that i think that was right when i got fired and so they the place i got fired from they didn't want to give me my pto and like i had to go in there because i had like do they owe you pto after you're fired no so if after a certain year like a certain time they would pay you out your pto a certain amount of your pto and if you're fired or you mean if you don't use it yeah yeah but if i didn't use it if i didn't use it i was fired um okay they what ended up happening is they fired me just shy of a year with them and so they tried not paying me out it because they fired me just shy of a year um i went in because i was like there's no previous reports so they fired me for um they tried firing me for i think it was like like a harassment policy okay and i was like there's no previous but can i have the reports then like that led up to this termination this is an at will state they really yeah like i mean but that was the reason they don't find you to be a good employee for the company that they run like but that was the reason they gave me for getting terminated sure and so i was like can i have maybe to appease you yeah i was like so but you're not entitled to it yeah and that's what they told me i was like well there so there's no notes or anything that i can have saying as to why i was fired for breaking the harassment i know i get what you're trying to do but they didn't it's an at will state yeah and so if i didn't want to know what it'll work for me tomorrow i would just tell me and i don't have to tell why and so it's like the whole back and forth they eventually paid me my pto but they paid it like two weeks out so at the time i didn't have enough money for my insurance and to also get groceries and so i you know paid him forward my insurance so i could get groceries because i was still in charge of getting groceries for the household so you're fired in april may may so you had june off and now you're starting to work in july okay cool how long did you live together with this dude in this place in this place were you living another year we've lived in our we've lived all four years we've been together and you were just paying utilities i yeah i was paying utilities and i was paying for groceries and well that can be minimal yeah so no offense but your living expenses now are low yeah they are low your income's always also been kind of low but your living expenses are low compared to the average person yeah the fact that no progress has been on been made on this debt is inexcusable the unemployment part kind of i can understand that for a bit if you got fired uh and then you're on unemployment okay sure but the years and years and years leading up to this just screams irresponsibility and immaturity with the management of your finances and your spending and the lack of paying off your debt so what has changed today what's different i just don't want to live like this anymore i think the pressure's on you because you know you might get kicked out at any moment or you want to leave it's more of a want yeah that and then like i've seen how bad like my parents relationship was what with finances yeah are they together yeah they've been together 30 years so it got better use the word was recently okay yeah they so growing up they were very much how my current relationship is in my situation they were always at each other's throats and stuff like that but they were also low income and were they are very severely into and um they hate life and i don't want to be that so what's different what are you gonna do now you don't want that so now it's time to the big boy pants yeah yeah what are you gonna do what's different mind you your debt is basically your yearly income it's 28 000 yeah it's more than make a year after taxes you're about to so what's different because listen here's the thing you were living on unemployment we're about to go through your spending and it's you weren't using unemployment to survive you were using unemployment to around like a child things haven't changed yeah things better change after this conversation but things things haven't changed not at all not to this very second nothing has changed doing the paying for doing the paying for there's only 18 hours in the checking account uh affirming paying for paying for selling out$140.

51:28Spotify, you can listen to ads if we literally cannot live. I promise. Trust me, I have Spotify Premium. I like Spotify Premium. If you can't afford to live, ads are okay. Door Dash, how dare you? Honestly, how dare you? Like, yes, a lot of there are a lot of things in this conversation where the world is against you. And I'm again, not against those. But you have played a victim a lot and self-inflicted on a lot of your spending and then you think you can get door dash premium well on unemployment because you can't survive and you are not able to get your own place applying to a couple jobs a day and you get door dash premium no so it's a reoccurring charge that i forgot no shit it's called listen laugh about it all you want it's called growing up be responsible and looking at your subscriptions yeah it's looking at your subscriptions it is not the hardest thing in the world it is not difficult you look at a bank account and you look at what were the last what were the purchases that happened oh look a reoccurring charge let me cancel that open up door dash and cancel it that's what an adult does yeah just kind of looking at it plummets the mood so i try not to look at it i try not to look at it i don't care if it plummets the mood no offense i'm not gonna allow to play that game i don't give a shit listen i don't give a shit plummets the mood it's gonna continue plummeting the mood even worse yeah when you're put to a point where you're homeless you know or you have to move in back to your family i'm sorry like yes it's emotional i get it i support the emotions feel free but i will not accept oh no it brings down the mood looking at the bills uh that uh uh yeah nope like with that that's not how we live life ostrich head in the sand is not the way to get through life because eventually this gets so bad where you're going to be put in a position that you cannot get out of other than bankruptcy and you're going to destroy your credit for basically a decade you know so that because it brings down the mood is nothing your mood is going to be so far down in the future when you're pushed to that breaking point so this is the moment where we allowed ourself to have a little bit of discomfort a couple times a month by looking at our checking account yeah that's not an option you pay for snapchat what the no i think it's 53 cents for snapchat so it's nothing crazy well what the i wondered how that company still existed um that talk about the mic please that was uh very stupid it was um it wasn't like an extra replay on a snap was it no no so i had no no no it's i honestly think it's stupider um so we had a shriek and huh you know shrieks like where you like send each other's oh a streak yes we had a streak you re-enabled the streak on accident because i was joking about it and then i left my phone on and then when i went to open my phone i had to hit right let's pay for streets um no it wasn't an accident because you did it twice really

55:06joanne's store no offense we don't really have hobbies when we're broken can't afford to live joanne's stores etsy still mcdonald's paying for paying for paying for going inside getting into bull going to will hodis restaurant bath and body works uh just you're getting dollar store crap right now uh if anything you don't really need a candle if you can't afford to survive or smelly soap that goes that smells wonderful yeah paying for paying for zelling out 15 bucks okay okay and i love the zofi checking account i mean there was honestly probably an ad placement in here for them affiliate really but um and i really do love them i love them for their high yield savings account i don't love when you open the account and you get taco bell you door dash ihop first of all ihop's not going to withstand five minutes in a box so what the f*** are you doing the fresh m i don't know but that's door dash and then jc pennies that was all birthday gifts yeah door dashing ihop is a birthday gift i don't live anywhere near them so i have to doordash it what do you mean do you have a car the friend in the other state you doordashed for them i doordash for their birthday no offense happy birthday i'm gonna get out of debt so that i can afford to visit you some more how about that yeah like your life always continues a firm fortnight what's the guy getting skins what are you getting skins what skin did you get uh Peter Griffin?

56:43It's a reoccurring charge. What is the reoccurring charge to Fortnite? I thought it was free. What is it? They have... Battle Pass type... Yeah. Oh, f***, kill me. Literally, you can't afford to live in a place that you want to get out of a sketchy situation. Yet we decide to have a reoccurring charge to Fortnite? Yeah. What a joke. McDonald's, going to the store, getting some bulls***. Something tea, royalty, royalty, ninja, ramen, and royalty. Oh, my gosh. Torrid, great,$72 there. Card payment. $72 is a card payment. Car? Card, like my credit card to Torrid. That is my monthly payment to them.

57:23Did I look at that? No, I don't. It should be on the synchrony one. Because it's synchrony, and then it's also care credit. They're from the same company. They're under synchrony together. Torrid. Torrid is under synchrony with, yeah. 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.

57:59Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Okay. okay wendy's burgers donald's twitch 21 dollars twitch three current charge or donations okay well that's stupid donate to you being able to live in a place with a person who's not going to threaten to kick you out unless you're a homely wife tuesday and thursday homely i don't think that was the correct use of that word uh at home home yeah oh no whatever you know what i'm trying to say parking oh this keeps going how do you spend so much money you literally didn't have a job and you're collecting unemployment yes you paid into unemployment so yes you should be able to receive unemployment it makes sense you know you paid into the system but even still what a stupid use of it milky tomato milky tomato galaxy toys oh is that the bobblehead thing like no um coco kuma hot flips fan expo 83 that's a pop thing and what says pop fan expo that one is um i got the money i got the money in cash 80 160 to fan expo so i got the money in cash for my birthday as like an early birthday gift for me to be able to meet neil nupon the voice actor for asterion from boulders gate and i don't give a i got the money in like in hand and like they told me to put it towards that and i told you to do that family member that bought me your family member they're stupid it already sounds like they suck yeah well they they gave me the cash um for me to go to the convention they won't let you and then they prefer your uh uh thing guy whatever over you like your family we're not listening to the family the family that's rude no no no actually be able to live on your own life so you spend 100 oh good we're getting more fortnite so there is not just recurring charges because there's two in the same month that's we have multiple subscriptions mcdonald's jack-in-the-box door dashing starbeez for 20 20 to starbucks joke unemployed uh-uh uh-uh sorry i can't allow you to play victim when this is your spending that was not also to me but it was also to them stop yourself stop yourself that's a kind heart move but also dumb as yeah they got playstation network playstation network so you're buying some games and also maybe playstation plus or whatever and all this dumb uh how game exchange and dominoes so it's just and then 30 dollars in savings down from 575 so it's like what a joke 63 dollars in a brokerage at 26 have you withdrawn from a brokerage no that was all put in when i was still working it would deposit five dollars every single time i got paid and so that's what i was feeling more sympathy towards the beginning of this conversation but it's hard to now look at these actions you're ruining your life you're destroying it you're allowing yourself to stay in debt you're allowing yourself to not be able to pay rent you're allowing yourself to not have savings you're allowing yourself to not have an emergency fund you're allowing yourself to not be able to retire at some point that's hard that's on your own actions and then he says it brings down the mood if i look at my statements brings down the mood mood i don't care i don't care about that mood how could you how could you care about the mood in that moment more than your future it's not even close to more important is easier going day by day yes yes but you know what that's gonna lead to an impossible day by day an impossible day by day in the future without you facing a little bit of uncomfortability right now yeah what are you gonna change from this going forward what is different hopefully not hopefully oh we just lost okay well i don't know what really i can afford if more than the bare minimum payments and stuff uh probably the bare minimum payments in life and then anything else on top of that you're spending did you we went through the pie chart yeah you're 10 or whatever went to going out to eat and miscellaneous bullshit that doesn't improve your life in any way all the games and all it was 30 percent of your spending and you spend a thousand hours more than you brought in more than a thousand hours more than you brought in so i mean that's that's self-inflicted they're all just a little few purchases but it's a death by a thousand cuts so what's different then what is different going forward maybe cut off the starbucks i know i do not give a you're stuck in a situation that you want to get out of and you say maybe i won't get the starbucks no i won't it's just so life is a joke now?

1:03:05We've given up, we're done?

1:03:12I'd like not to. Huh? You would like not to? I would like not to. Okay, well that's not a plan. We are basically halfway through the year and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high yield savings accounts there are, but you can also get$300 for free with qualifying deposits. You can also get FDIC insurance up to$2 million on your money and get 4.6 % on the money that's just sitting there. It's exactly where I put my money. Why let your money lose money when it could be making money?