She'd Rather Eat Than Grow Up

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1:15Hi, I'm Sophia. I'm 23. I'm from Dallas, Texas. And this is Financial Audit. Thanks for coming down from Dallas. Let me first say, I need to say this off the bat. Yes, I know. I look like a freak right now. I look like a freak. You're going to deal with this. I'm not allowed to get wet. not allowed to get wet for a couple days so i want you to comment below rate me one out of ten how cute am i right now what do you do for a living i am a 5500 administrator so uh 5500 administrator uh my company works at the post office yeah so my job is to tell the post office um why are our trips late and if it's us that's late yeah and if it's us late or if it's the post office but the post office doesn't like to be wrong so yeah okay and how much do you make in this uh so it's 20 an hour so 40 ,000 I believe yeah 40 ,000 I mean not terrible for 23 did you go to school I did not I didn't go to any school okay definitely definitely uh not bad to getting started in our early 20s yeah okay so in general I get the sentiment going through your documents taking a look at your documents just look at the things you sent us you just kind of live by the way of debt your life is just like instead of working and making money and managing the money that comes in i'm living the debt life yeah um i like to just you know i make the money and then i go home either like you know bedrock or i hang out my roommates go hey you want to go out let's go out let's go on a ride let's go out go on a ride yeah with motorcycles like oh you have a motorcycle i don't have the motorcycle i just like to join you use their motorcycle yeah so i just kind of just join in as a passenger join as a motorcycle you know okay how many hours a week do you work right now uh so i'm supposed to be making 80 but there's times i do make about 70 to 75 wait what yeah for paycheck uh like for paycheck oh wait what are you what what are you saying so i'm supposed to be making 80 hours a week no sorry 40 40 hours a week sorry 40 hours a week that's why i was asking per paycheck so that makes sense what are we trying to do where are where are we in life so i was in safety that's where i want to be um but you know there is a job opening for safety safety like i like safety i like uh telling truck drivers you know don't Take more than, you know, don't drive more than 12 hours.

3:50Take your 30-minute breaks. I did want to do, like, the house. They need someone to say that? Yeah. You'd be surprised. Truck drivers are. No, that actually makes sense. Yeah. You know, the safety cameras. We have cameras in the cabs, you know, making sure they're not falling asleep. No texting while driving. Oh, gosh. You know, just making sure they're just taking their breaks, taking care of themselves. You see other things, too. Don't really enjoy that. That almost sounds like a less healthy job than even being a trucker. sounds like sitting on more than being a trucker just sitting there and watching cameras all day well okay why why do you like that um it seems pretty low effort uh it was in the warehouse i was in the warehouse industry first and i got to do like the safety audit of the safe of the warehouse of the warehouse just making sure you know the word safety yeah yeah oh sorry um no it's okay it's just like safety of what i don't know i know safety auditors what the position was um Making sure there's eyewash stations, they're up to date, posters everywhere, where to go for tornadoes.

4:47It's not like you went into a bunch of debt then because you were at an income like$20 ,000 more a year. Then all of a sudden you got cut back and your lifestyle was inflated and you couldn't manage it. So why the are we in so much debt today? Living's expensive. So, you know, OK, OK, hold on. Going going from Dallas to Arlington. I moved to Arlington. It was kind of like out of kind of like force, kind of like guilty guilt to move in with two roommates. OK, they kind of guilt me into moving in with them. Why? How? My previous roommate, you know, we were I was too far from my job. It was going from one hour to get to my job and then two hours to get home.

5:27So I was like, I want to move closer to my job, which is like the worst thing you can probably do. I don't know. But move to Arlington because it was only 20 minutes. OK. Didn't realize how expensive Arlington was. and then I moved back. I just recently moved back to Dallas. That's not your rent. I have your spending percentages. I mean, you're just fucking like oblivious to your position. If that's my dude. It's because rent's expensive. You spend almost 20 % of your spending on going out to eat. Oh. Oh, rent's because rent is expensive. $800 a month almost going out to eat. Wow. What's your rent?

6:05My rent right now, it's now$535. what was it in the place you were pressured into 650 okay so the money you go out to eat is literally more than that so was it the rent or was it so why could you so why off the bat did you go and blame cost of living expenses if obviously clearly you spend more money going out to eat why was the immediate deflection on oh things outside of my control i just couldn't do anything about it why instead of the things that you actually do and go do like immediately out of the gate it's just like oh oh i couldn't have done anything oh no it's fun to go up but here's the thing that's but that's not what we were even doing what do you mean it's fun to go out yeah but you said it was because cost of living is too much well it i mean yeah but also your spending percentages say that is incorrect it says that you could look it was what six hundred dollars at the highest what was that that was right 650 650 okay net hits your account

7:04net hits your account on a monthly basis 2441

7:13less than 30 of your income went to rent you were already less than that max we would want it to go to so no it's your spending yeah i mean i could see that too because like i'll that's not what you said though but you tried to blame it on the world instead of yourself immediately well i mean I can't a set of personal actions I mean it is personal actions yeah well there you go that's completely different so why didn't you say that yeah I mean I like to go out and spend money but I'm also looking at my bank account like huh maybe I shouldn't have spent that you know well I'm glad you changed your tune but that's not what you said though no it isn't I'm sorry okay because I mean that's a big thing immediately if if what we're doing when we're looking at our finances when we're looking to improve our life we're immediately just blaming the world around us we'll never take any accountability we'll never do anything yeah i just got so addicted to the lifestyle i had before for a couple months you know bringing in more money and being like how much more was it i think it was like 400 more i think because i was only bringing home you can't cut 400 of wands no why like once but like huh what was the question i'm sorry no why can't you cut that do you have a discipline problem do we have addictions oh it's a discipline problem for sure because i'm just like oh well future uh future sofia yeah your future is now because these minimum monthly payments insane so let's start with that i want to hear from your perspective honestly honest question give me honesty what is your financial score zero being the worst 10 being the best i would say two okay you want to have your financial score it's free in the description below also apply if you need a good verbal punch to fix your finances calebhammer.com slash apply you can get on the show capital one quick silver starting with that chunky one right there we have a balance of okay yeah see and we just can't cut back on spending going out to eat but we're sitting here with a balance of six thousand three hundred sixty dollars and seventeen cents basically three months of what comes in net three months of what comes in net sitting on a card i mean a thousand hours away from being at your credit limit there which i could see which which you could get to overnight because you only put your minimum payment down on it but then you wait it's been a thousand ninety five dollars well interest of a hundred and forty six dollars and twenty six cents was accruing Yeah, the interest is really bad on that.

9:46I don't realize it. So why do we spend? Why do we spend$1 ,000? Yeah, the interest is really bad on that. So you acknowledge that. So why would we spend on it? That doesn't make any sense. Nice things. You know, like little knickknacks and stuff. Nice things like in our entire future. This is a real good story about Bronx and his dad, Ryan. Real United Airlines customers. We were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I 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.

10:16That'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. You know, things are nice to look at, you know? There's nice things to hang out. I like to look at your credit card balances being zero. That looks pretty nice. I'll frame that. That's nice, too. That used to be me, but now I'm just kind of just... not and you're not a credit card person obviously no i'm not i mean i acknowledge thousand dollars you know the interest is bad so why what are the actions what's going through your head as you're going through that let's diagnose this a bit so i pay a little bit more or sometimes just the minimum it was just the minimum yeah i pay that and i'm just like okay cool i got it and then you know i go out and i'm just like well i don't have enough in my budget my credit card has money on you budget i budget i don't surprisingly i do okay you need to go through our budgeting class because you do not know how to budget this is this is not a this is this these are not finances of someone who knows how to budget you may have attempted go through our class it's the best budgeting class that can be found anywhere we're gonna put well we're putting you through obviously for free uh but uh you need to go through that immediately we're gonna create you a budget by the end of this as well a rough outline but you do not budget i don't want to hear your budget This isn't the world of budget.

11:33Oh, I make a budget. But you don't follow it. You're not budget-teen. You've made a budget, but you don't budget-teen. I don't. Okay, so what the f*** is the point of making a budget if we're not budget-teen? At least I have money in the bank account so that way it doesn't overdraft. All right. Uh-huh. So, yes, you only paid the minimum monthly payment. Now the minimum monthly payment is$209 because we put an extra$1 ,000 on that. Hobby Lobby. Amazon. Domino's. Jack in the Box. Amazon. Chipotle. Go in the gas station. Get into the bulls***. Texas Roadhouse. Uh, some restaurant, or actually, no, what is this?

12:06What? Yo-yo-ly studio. Oh, that is a, my wax place. Oh, getting waxed? Yeah. Insomnia cookies, Chick-fil-A, PayPal, going to gas station, getting some brewing place, a brewing place, Amazon Little Caesars, more brewing, more brewing. We're just glug, glug, glug, glug, glug, glug, glug. Going to the gas station Getting some bulls Griffes of mesquite Going to the gas station Getting some bulls What the fuck are you getting all the time? You're stopping at Going and getting You're stopping at the gas station And when you got some What are you getting? You did it again You did it again You did it three more times Then you also went to Chewy's on Amazon What are you getting?

12:44What are you You're stopping at the gas station You're going in How much are the purchases? Like how much is it? Because there are times I do buy gas I do get the gas there You got exactly Hey excuse me sir Can you please give me Exactly$9.69 a gas? Oh Oh, yeah, that was, yeah. I mean, hey, sometimes you got to get yourself a little sweet treat, you know? Get yourself a little sweet treat. A sweet treat? Sweet treat, yeah. Get yourself after a long, hard day, just get a sweet treat. What's a sweet treat? Like getting, like, a little drink or, you know, like a little candy bar or something like that.

13:15Sometimes I get a little overboard, but sweet treats are nice. Like what? What do you mean, like what? Overboard, like how? Oh, like I'll get, like, you know, like maybe, like, something food-wise and I'll get, like, a little candy bar. Like a gas station? I don't get like the hot dog rollers If that's what you're thinking I don't get that I get like you know like the pizza The pizza slice or I just get a candy bar That's my sweet treat to me Okay This is me saying this from just a Human caring about another human And also just a blunt thing People sensitive people find this to be A big issue but also sensitive people I'm thick I have density i could turn into a black hole tomorrow i got that mass i don't think we need to be getting sweet treats i don't think it's good for our health in general i've been it's only like a week now so i can't really be too proud of it you know i don't celebrate when people just do good finances for a week because that's not anything you had a show for a couple months but i've been doing better for about a week you know i'm down a few pounds like woo it's exciting things sweet treats that's that's not contributing to our financial health that's not contributing to our physical health this these are like the what you're talking about is like the most bad for you crap it's just it's nothing beneficial in any way so i don't know just when i call it out i mean i'm sure some people will think that's fat shaming but i mean how can you i mean i fat shame myself so well no shame well you know what shaming is shaming is saying like oh you're disgusting for being fat like that's like what shaming people is saying i i don't think we should eat things that are not good for us i do think about that and then at the same time i'm like oh well at least i'll die happy with a little sweet treat beautiful people let's take a second to do some quick math the less you spend on operating systems for your business the more money you get to keep and i mean who doesn't want more money i can tell you that keeping the financial audit show afloat means juggling a lot.

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16:39your friend has your phone yeah if we could get that i do share an account also the bars you were just bars bars bars bars i do go out with my friends we go on the bike rides and we do happen to just stop at um breweries on the way just happen to like whoops well not a straight brewery just hit us um well i mean if you see a brewery we kind of just go over there and just hang out that makes sense when driving motorcycles No, we just get one, and then we just stick around. But the thing is, though, I'm not driving the motorcycle. Yeah, yeah, yeah, yeah. So it's not affecting me, I mean, to drive.

17:15Yeah. Okay. That's a lot of spending money. I do share an account with my parents, so I can point out to what's mine and what's not mine.

17:29Knee things, a gun holster. That's my parents. leg garters a bag the bag was mine an elephant canvas that's parents tablet holder for the car that's my parents this i mean none of this none of these are necessities whether or not your parents or not i don't know their finances so maybe they can afford it but this is all just like oh here's some vitamins so that's like okay i bought that it's a spinny brush i bought that it was on sale but you have credit card debt yeah with high interest that you're not able to pay off why the do i care if something's on sale you know it's not on sale your finances are on fire i thought it was a good deal so i was like it doesn't matter a good deal is something you can afford you can't afford it so how's it a good deal if you can't afford it you can't afford it so how's it a good deal you did have a little bit of money to no you didn't use your amazon purchases were on this credit card and we only have a thousand dollars before it's maxed out i mean i pay i put the money to it minimum monthly there's times i do uh put like like a couple dollars more oh a couple dollars good um well it's a six thousand three hundred sixty dollars of a balance with 146 dollars of interest accruing i don't think a couple dollars is gonna get us there buddy you're just making minimum payments it's gonna take if you don't even spend any more money it's going to take 23 years 23 years to pay off and you're going to pay back a total of 21 ,438 dollars that's how bad this is and even if you put a couple extra dollars towards let's say you bring the minimum payment to from 209 dollars to 271 dollars still takes three years and paying a total of 9 ,750 dollars so three thousand dollars more than the balance is now so we're not just putting a couple dollars to this we're not just getting something that's on sale that doesn't make any sense we need to attack it immediately cut it up you're not a credit card person if you're gonna use a card dude use the fizz card you probably it's our we support each other they're good they're good for non-credit card people like yourself who still want benefits credit cards okay you need to chop these up and close your accounts and don't don't say what about my credit because i will reach across the table and just die i mean yeah that was gonna be a question but thank you for saving me you've seen the show yeah how does everyone who comes on here sees the show and ask the same question every time well i mean i've been told growing up you know when I first started credit by my parents like hey don't close that account it'll affect your credit what's the answer I've said it doesn't matter no where no what have I said to just cut it up no why okay okay so you don't know okay that's fine I will answer your question by asking a question and then we can further explain what credit perhaps are you trying to take out and utilize over the next couple years over the next few years like this credit credit in general things that is like applying for credit and borrowing money for something the brain cells in me are not processing this so is there a credit card is there a car is there a mortgage is there you know student loan is there anything involving our credit that we are trying to borrow um no that it doesn't matter what your credit score is right now we can work on it make it recover when we're going for like a mortgage or car loan or something like that in the future but right now where you're way above the 33 utilization that starts in your credit you're you're just what is your credit score do you know uh when i just checked it was 680 it went down because of the credit card usage yeah i don't really give a shit about your credit right now i really don't you're not taking advantage of it it's taking advantage of you Okay, we have another Capital One.

21:11This one's this classic Capital One. Yeah, I've heard Credit One's bad, so I don't use Credit One. Credit One? Please never even consider Credit One. It's like the worst of the worst of the worst of the worst. I never want anyone to go through that. Absolutely not. Good. Good. That's like the only good thing I've done. Wow. By not doing something, I guess. Sure. Yo,$4 ,879. so now we're up to ten thousand dollars in credit card debt yeah a fourth of your pre-tax income

21:46with a hundred and seventy dollar minimum fee payment hundred forty two dollars of purchases which is basically what you put towards the minimum anyway and then 121 dollars of interest so the balance went up from four thousand seven hundred ninety dollars to four thousand eight hundred seventy nine like are we just trying to throw away our life what are our goals what are our intentions like what what do you want to see i'm curious i want to take this moment i do want to see these numbers go down but then not just that not just that basic goal what do you see for yourself where do you want to be in five years debt-free that is an honest that is an honest answer of me for why um why do you want to be debt-free i want to be able to have my credit higher and if later on um i want to be able to get another car maybe later on i won't have to what are some major goals major goals in the what do you want to be in five years what do you want to be doing for job what do you want your life to look like i want to be good i want to be happy

22:41okay like well sounds like you don't have a really thought out no you look forward at all i what do you want to do for a career career like i said safety i want to be in safety but i have to what's the upper echelon of safety like where's the career path in safety i'm not aware of safety career path. I do like working in warehouses. I do like to work. Where does the income cap, though? I've seen it was like 60 to 70 from what I saw. So I thought that was a pretty good living wage for me. There's a PayPal thing on here. A PayPal thing on your credit card. Parking. Some taquitos. Going to the gas station, getting some bulls***.

23:17And Walmart. Hopefully groceries. Yeah. I only go to Walmart for groceries. Groceries, yes. If it's like over like what 100 or something yeah no what was it 60 60 oh that's groceries that was like little small stuff okay so 30 it's over 30 30.74 interest rate i mean hey at least you don't see any missed payments on there i'm always on time with the payments so i would say that's a good kudos to me at least you're doing the basic minimum I'm not going to applaud someone for doing the literal basic requirements. If you're making progress, you'd be getting many high fives from me. Okay. You don't get a high five for waking up in the morning.

24:07Oh, that's sad. How come? Wish I did. Because it's the basic normal thing.

24:18It's your minimum obligation. Apple Card Okay Man These balances dude $4 ,816.72 They just They just keep going Don't they Yeah I just What are we up Of like$14 ,000 $15 ,000 at this point $137 minimum Monthly payment These are also stacking up For someone where Cost to live is too high My rent is too high I can't live Even though it's obviously My spending Yeah these minimum Monthly payments Are starting to stack Yeah interest charge 87 dollars 95 cents you didn't purchase did you good yeah it was finally a card you didn't purchase on because i realized how high that card was i was like i'm tired of the other cards there's the first card that you spent more on is higher yeah um that was like i think the clooks over yeah i saw that i could get like more points if i points like rewards points what points dude what are you gonna what are you gonna get the max if you break things down max max max 5 % on your purchases, but you're losing 30%.

25:20There's a 25 % differential there. And that is a one-time thing as well. It doesn't compound. The interest rate on that does. You don't get 5 % every single month on what you purchased a month ago. It's a one-time thing. But the 30 % on there compounds, man. Every year. I just saw it as a good opportunity to be like, oh, look, I can have rewards money and just put. But I know the interest is really ridiculous. It's not just about that. I need to make sure you understand. It's not even comparable. You're not gaining anything from these points. You're losing more because you're putting them on your credit card that you're not paying off than just putting them on a debit card that isn't punishing you with interest.

26:01You're also not getting points. But it's just flat. Credit cards, you're losing 25%, assuming you're getting like 5 % after everything. Yeah. Do you understand that? I need you to understand this. I understand, yeah. Okay. That I understand. That's like, I need you to understand that. Because that scares me. I think even one of these credit cards, I bought a shirt of yours, actually. One of your Valentine's Day special shirts. I was like, oh, cool. That's pretty cool. Tell me about this budget that you have. I want to understand how you've been going about things. Tell me in detail how you've been budgeting.

26:39So the budgeting that I do for myself, how I've been taught by my parents, um i take my whole paycheck and whatever i have left in my bank account i put all that together everything you have left in your banking account because sometimes your paycheck yeah so the surplus that was already in there yeah okay so i have all of that together and i go through like what's coming up the next two weeks because i get paid bi-weekly two-week budget okay yeah so um i go through my calendar distribute all that everything that's in my bank account that's for bills i don't touch it so i actually don't touch the bill money because that way like i'm on time with my payments and then sometimes it really depends on how much i'm left there's times i'm left of 100 to 200 or two to 300 and just kind of depend on that so that's the case i mean that's certainly not how i'd budget and we're going to teach you how to budget better but even still it's at least understanding where things are and where money is and managing that why is your spending so why are your finances so in that case if you were actually doing that because i'll put money towards the credit card and i'm like well monthly yeah in my head i'm just like well i don't have enough on my debit card paid on a credit card that's but it's enough for your wants it's not even necessities i just why are your wants to you more important than your future that's what makes me happy in the moment so right now is more important than tomorrow that instant fix depends yeah i mean if i have like something coming up i'm just like well i'm gonna buy that so that way like later on i could be happy about it we talked about weight that's how i gained a lot of weight i you know through throughout this last you know uh year and a half i've gained i think maybe 20 pounds or so that is essentially how i gain weight and i was able to correct my finances many years ago because i had a similar mentality i was like oh you know I'm going to deal with this.

28:33I'm going to deal with this later. And this is right now I had the instant gratification, but you know, just through my life, just, it was just easier since I could afford it. And it was nothing that made sense in my mind from, I come from the very mathematical numbers perspective, but over the course of just like the last year and a half, you know, Oh, it's a long day of filming. I'm so tired. It makes sense for me to just pick up some food. I can afford it totally good. And as I started to gain weight, you know, you know, I really just started to realize that like uh over the winter i was like gosh it's like actually happening it's kind of caught up as i've until i've attempted to start to make a change recently it was more i get off of work tired oh i get the instant gratification of this thing that surrounds my it's not morals but my wants and logic which again are mathematical and finance so it works i can do this but the health thing i'll just start working out tomorrow i'll start dieting tomorrow here's my instant gratitude you know my instant gratification and then the next day then the next day then the next day and that's just always how it goes forever until you finally sit down you'd be like this is the day we stop this is the day we change yeah so i relate to it i get it it just takes a level of maturity when you're just like all right it is time and i'm doing it now i'm going to change now so essentially what i need to know is going forward in your life in your desires in your discipline and maturity and just being an adult are you willing to be like okay i don't need my sweet treats i don't need my bull on sale from amazon i don't need to get a drink at the bar when I'm out with the friends.

30:22I don't need to do all these things that are bringing my balances higher on a card, but I could barely pay my minimum monthly payment. Are you done with the instant gratification because you're willing to make tomorrow better than it is today? Yeah, I'm willing to do that. Yeah. Okay. So what's different? Why are you ready today right now saying that than you were yesterday? Tired of the high interest. I'm done with it. You know, I keep putting money onto it. And I'm just like, I'll pay it. But then it just kind of bites me about it. So just I'm done with it. So I think I'm not think, but good to understand that it is time to change that, change that mentality.

31:05Okay. So you'll cut the cards off right now. Sure. I mean, yeah, if you want me to. No, no, no, no. I want you to want to. Yeah, I'll cut them up. Okay. So this is not about me. Who cares? Who cares about me? This is about you. Yeah. I mean, my credit cards are over there. Get them. Get them, girl. One of them I can't cut, though. Why? Because the Apple card, that's like metal. I don't know how to get rid of that one. I want you to burn it in a pit of tar. Okay. Yes. Yes, this is my kink. Yes. Sorry. Oh, I love it. I just said so. Yes. Yes. Okay, there you go. So that's some f***ing signage and actually close the accounts because you can just easily get another card and I don't want you to.

31:56Yeah. So. Guys, this is super exciting because it's only for this week. Usually you get$5 for signing up for Acorns, but through me typically you get$20. But for this week only, you get$40 by signing up for Acorns using my link in the description below. Once you make your first reoccurring qualified deposit, which is just investing for your future you get the bonus of 40 it's literally extra money just for signing up so i highly recommend it because again it only lasts this week sign up link in the description below all right now we have a car 2021 kia rio yeah how is it how many miles how's the condition she's good uh she she uh she's about she's 66 000 right now i don't know the numbers after that but she's 60 i'm all over the metric works i love driving minimum monthly okay minimum monthly payment 275 dollars and 35 cents with a balance of 10 ,195 dollars and 39 cents 72 month term i hate that i would never go longer than three years it was the only option that was the cheapest it was the cheapest option that's how they do it but you still spend more more money over time i thought it was the best option for me to be able to afford that payment 275 to afford that car because you wanted that car yeah it was yes to get that car i wanted that car exactly yeah to get that car that you wanted this wasn't to get a car this was the cheapest payment you could get yeah because it was the cheapest payment to get the car you wanted yeah what's the interest rate on here six percent something like that i know it's low in uh not the lowest but that's when i define that as low but it's certainly not like the worst thing in the world i mean tech on depreciation a bunch of stuff it's like okay it still kind of sucks but it's not like an emergency interest rate by any means no that's when my credit was like over like 700 like what like three years ago i got it yeah chase account 644 so i mean you did you have money in there and we just can't ever use that instead of the credit cards that you have maxed out that's bill money i can't touch what bill bill money that's like bill money so can't touch that because i don't want it bouncing oh but it doesn't matter we're some kind of restaurant brewery thing what's uh kmfusa.com that's the key of payment that's the key of payment oh yes it is

34:32if you used babble you would babble's conversation-based techniques teaches you useful words and phrases to get you speaking quickly about the things you actually talk about in the real world with lessons handcrafted by over 200 language experts and voiced by real native speakers babble is like having a private tutor in your pocket start speaking with babble today get up to 55 off your babble subscription right now at babble.com slash spotify spelled b-a-b-b-e-l dot com slash spotify rules and restrictions may apply t-o or something a brewery going to gas station get into bull yeah sweet treats some caliber thing reoccurring purchase reoccurring purchase caliber don't tell me you don't know it's 22 bucks a month being stolen from you that you don't even know what is that one caliber caliber and how much 22 23 grain oh car wash for a 10 000 kia come on who cares you're not in a snowy just get just take your little a small vacuum home and just go that's like that's like electric cords going out the house to clean my car no you're like do you not have just like a small like handheld thing a lot of houses have them do you not but in the vacuum oh my gosh yes uh it does but i mean the garage no no and just your house the like little vac oh no we don't have okay but for this monthly payment And if it's really about the vacuum, you can get a cheap little thing for 50 bucks.

36:03I also like my car looking nice. Okay, but you can't afford it. That's just what I'm getting to. You can't afford it. And that's all that matters. Who cares? Who cares? You're not in a snowy climate. Not trying to save the underbelly of it from rust. She just looks nice. I don't give a shit. The glitter on it. I like when the glitter on it, because it has a glittery. The glitter on a$10 ,000 Kia? It has some kind of coat on it. like ugly shame your car no like she looks we're talking about different shames i like the way she looks i don't give a so i mean to me so you're keeping it i mean honestly i'm probably gonna get rid of it because good because it's too damn far for me i no longer live in that's why well you're learning nothing no like i just don't want it anymore i'm tired of spending 22 but that's why well because like that's like that was also their cheapest brand like their cheapest rate and i I don't want to pay that anymore.

36:58Dude, you made$2 ,600 and you spent$4 ,100. You don't get a car wash. Okay. I mean, okay. What? No. Do you just what? I just go to the little quarter machine ones and just kind of. Buddy, it doesn't matter. I just like. I don't wash my car. Well, that's. It doesn't matter. Why do I give a. The person next to me at a stoplight thinks. It doesn't matter. I don't see it's dirty when I'm sitting inside of it, which is the only time a car matters. that's the other thing is I don't like a messy car in the inside. So I try to make sure it's all good. Then don't let it get messy. What are you talking about?

37:35Just whatever you put in it at the beginning of the day, take it out at the end. What are you talking about? Yeah, I'm really bad about that. Well, that's your issue. Solve that issue instead of spending money on it. Okay. All right. You spent almost double what you brought in. I don't think we're getting car washes. That's all I'm saying. okay i'll get rid of it zelano 650 bucks is that the rent that was the rent zelano 33 dollars 76 cents patreon why again it's just another thing you can't afford you can get our post show on patreon where we're gonna have a fun little conversation and bring in our producers that's cool but i wouldn't want you to sign up for it because you can't afford it so cancel that yeah yeah i'll cancel it going inside getting some amazon dutch bros chipotle hawaiian bros i do like hawaiian bros that's like my first time how'd you think it was good okay hot topic bath and body works going inside a gas station getting some oh that tea place again chilies come on it's basically like chilies yeah no yeah it's like the happiest place on earth what the f*** are you talking about dude i know someone who worked there and like literally everything comes frozen and this is like barely prepared everywhere else no but then it's like barely prepared no not everywhere else not if you go to like decent places what do you i don't know they got like cheap margaritas even wendy's burger patties aren't frozen uh wendy's gross no i know i don't think it's great either but don't say everywhere else like i'm talking like it's pre-prepared frozen okay like yeah some places they get frozen but then they still make the food yeah but i mean chili's is So you're going to spend money there?

39:18Okay. And then McDonald's. There's the tea again. Going to the gas station, getting some bullshit. Going in and getting some bullshit. My goodness. It just never ends. The brewery. Going to the gas station, getting some bullshit. And the tea again. You go there every second for another sweet treat. The tea. Got to have multiple sweet treats on a daily basis. No way. Tex-Mex going inside, getting some bullshit. Pizza Hut. Dutch Bros. An Apple bill reoccurring$3 subscription. Yeah, that's the storage thing. Brewing, Taco Dude, McDonald's, Ice House, going inside, getting some bulls**t, going inside, getting some bulls**t, Jack in the Box, Jimmy John's selling off at the dollars, going inside, getting some bulls**t, Sweet Treat, Chick-fil-A, Amazon.

40:03And then$3 ,000 in retirement. Which I'm glad you're at least starting at 23. Yeah, that's... I started that two years ago. Good. I'm glad there's a positive at the end of that part. Yeah. My mom kind of told me to get a retirement going because she saw her retirement. She's like, hey, you should open one. I'm like, okay, cool. You know, when you lay it all out, it does kind of make sense where it's all going. Because, like, I don't think about it because I'm just like, oh, sweet drink. So don't tell me your budget. I mean, I have the budget. It's there. Again, you do not budget. I think you're confusing what the word budget is.

40:40You don't do the actions behind a budget. reminder you brought in 2 ,200 or so what went out in total 4 ,096 oh oh yeah it's definitely more than a make and all that went to that net 173 dollars and 30 cents net 4.2 percent of your spending 4.2 percent remember the percentage we already talked about for bulls**t earlier going out to eat yeah wow that is not what an adult does housing 15.9 percent of your spending are 650 dollars to 65 cents phone 3.4 percent of your spending are 137 dollars 43 cents transportation 18.7 percent of your spending is 767 dollars 57 cents yeah you better love to drive because you're spending a lot on it 3.3 percent went to going and getting groceries are you kidding me 3.3 percent or 136 dollars you know some of that comes from the unknown shopping because that is walmart so unknown shopping was 622.49 that better not all be groceries because that's way too much for one person 15.2 percent of your spending but then going out to eat 18.4 percent of your spending or 752 dollars and 28 cents medical and health care 271 dollars and 45 cents i guess that's not a big number but the percentage of 6.6 kind of sucks uh yeah therapy i think i saw therapy and i did start taking therapy recently and then i'm also paying some medical debts that I'm taking care of.