Spoiled. Toxic. B*tch. | Financial Audit

25:26Because I assume you guys have the maxed out, you max out this early pay. How do you guys pay for things in between then? Because there's no way. Unless you have every early pay that's ever been invented, but even then you're only paying them back and then having to borrow again. Well, there are certain ways that we get around like paying off certain advances. We each have a savings account and we will pull the money from the checking into the savings account. so that way it stops from auto-drafting. And that way we can pay whatever bill is most important, so like rent, truck note, whatever, all that.

26:06That's$800 in savings. We're not going to be able to do that forever. What are you talking about? You ever borrow money from family or friends? Yes, yeah. Oh, for f***ing sake, what? How much? How often? Not much and not often. Right, which is, by the way, why I have the note that you guys borrow from your mom once every paycheck. You liar. You're not going to manipulate me in this conversation as well. Yeah, I asked that question as a lead on because I knew the answer. Because they typed that answer to me as an interesting thing to bring up next. You manipulate him. You're not going to manipulate me.

26:41I've been in too many of these conversations. Okay? You borrow from your mother every paycheck. She spoiled you your entire life and now you come on here You try to pretend like, oh no, we're just struggling. Can't make ends meet. How often do you borrow? Oh, not that often. Every paycheck. The f*** are you doing? Why mess with me like that? You had the pre-interview questions with the producers. They know you. I don't. I go on blind with the audience. But they feed me things here. Here and there. You lied. Why lie to me? I thought we were just talking about friends. If we're talking, if we're talking, okay, yes.

27:27If we're talking about friends and family, yes, I do borrow from my mom once every paycheck. That's insane. How much? Usually just like 50. And I pay her back the next paycheck. That's insane that you have to pay. You're fucking pay advancing from your mother. You realize how insane that is? No. I'm going to be honest. No, I don't know how insane that is. I mean, she's my mom. She's my mom. She's supposed to help me out in times of need, isn't she? Oh, she's enabling the fuck out of you. Oh, mother, if you're seeing this, oh, cut this woman off. Cut this woman off. Banks, if you're seeing this, cut this woman off.

28:01Except you probably make a lot of money off of her, so I understand why you're not. But mom, at least cut her off. Oh, you've just been spoiled your entire life. You don't even understand how this could be considered bad. You're poor. And the friends? The friends doesn't happen as often as the mom. It's maybe like once a month.

28:26That's what you consider not month? Because mom's twice a month and once a month is not that month. What the f*** are you talking about, lady? What are you on? What the f*** are you on? What damage do you have? Oh, dude, what the f*** are you talking about? What the f*** are you talking about? That makes no f*** sense. That doesn't make sense. That doesn't make sense. What are you borrowing from your friends for? I'm borrowing from my friends for the same reason I borrow from my mom Why? What's the reason? I don't know the reason You haven't told me the f***ing reason It's usually Because we're out of advances To take out and we're out of Money and we need to buy Like cat food Oh f*** off the door Get your f***ing caked up makeup Cats come first Cats come first I I told you earlier I need makeup to go out in public like I can.

29:21No, you don't. You do because you're f***ing insecure. You don't need that. I mean, I grew up in a household where my mom told me that it was needed. Well, your mom's a b***h. And also, she funds your entire life. Don't listen to her. What? She's spoiled you in your entire life. Why are you listening to your mother on this f***ing makeup thing? You're not a kid anymore. I understand that if you're 13, she's like, put on your makeup. We're going to church. Gotta put on your makeup so the boys will hit on you at school. I don't understand. You're 24. You can make your own choices. I guess that's embedded in you.

30:03I get that. But it's still just like, I mean, you still want to listen to your parents, even if you're an adult. Your mother would shame you right now if you didn't put on 20 pounds before you leave the house. Absolutely she would. Okay. Absolutely she would. If she, like. So she looks like an insane northeast Italian mom? No. She's a little paler than I am. And she, no, she doesn't wear as much makeup as I do. But, like, I mean, I grew up with, like, 2016 YouTube where, like. You also grew up with real eyebrows. I did. Very true. Those didn't last long. Okay, go on, YouTube. Yeah, James Charles.

30:43Yeah, James Charles, Jeffree Star, all of that. I grew up with 2016 YouTube, so that's why I do my makeup the way I do it. You know they moved on. That doesn't mean I have to. I mean, I just, I don't know what to do with you. I just, I don't know what to do. What the f*** does your mom even do for a living? My mom does hair for the movie industry. How much does that pay? You're in Lafayette, right? Are they in Lafayette? No, they're in Lake Charles, but she goes to New Orleans. Like, she has an apartment in New Orleans that she'll stay at during the week. Is that a big movie city? Yeah, New Orleans is a huge movie city.

31:14Fact check? Okay, true. But yeah, she makes about 100K a year. How much do they make? My mom makes 100K a year. My dad, probably about 75. My dad works at... They do very well for what it's worth. Yeah. Oh, it's honestly just bad for you and your entire existence and your future that they have spoiled you, your entire life. I don't see it that way. How? Look where you are. Would you suggest to me you're in a decent place? I mean, no, I'm not in a decent place. So what the f*** are you talking about? How can you suggest that anything that has led up to your financial situation today can be considered good?

31:51You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal$1 ,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances. How? Just download the DollarWise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the DollarWise budgeting app today and take advantage of your free trial.

32:29What I'm saying is them spoiling me is not necessarily a bad thing. They were just trying to do what their parents couldn't do for them, basically. Which doesn't exactly help. Listen, it sucks to absolutely get nothing. We live in poverty. It sucks to overdo it as well. You know no sense to struggle. You have no respect for the dollar. They come and they give you money constantly. They loan you money. Do you always pay it back? Not always. Exactly. Exactly. That's why it's bad. You don't get that? You do not see that? There's no consequences for your actions and they always bail you out. Why would you feel like you need to actually sacrifice and grind to make Wayfair's big sale is returning.

33:11Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals, like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals. So mark your calendar and shop Wayday starting October 26th at wayfair.com. Wayfair, every style, every home A better life Why would you feel like you need to do that If they will forever bail you out You have a cushion that will exist No matter what you do So why sacrifice? Why sacrifice? To get out of this mess When mommy and daddy are there to save us If we need I guess I just want to prove to myself That I can do it by myself Well, you've only gone reverse And I think the future husband Hopefully not Is kind of involved in this as well So I think he's impacted It's not all about you I know everything you've done in life has all been around your selfishness And selfish desires But it impacts him too In fact, even if it's just 50 bucks But that is 100 bucks every month If they do that indefinitely, it impacts them too This isn't just about you.

34:37What about his parents? His parents help us out as well. Oh, good f***, man. Oh, good absolute f***. Do tell. His parents actually are the reason why we were able to move to Lafayette. So... They covered the moving house? Basically, yeah. And they also covered some of his debt as well. They took out a loan. What the f***? And are they well off? Yes, they are. You guys are just using your parents. And he's just as bad in that case, it sounds like. He supports you guys borrowing 50 bucks every other week from your mom? No. Oh. Absolutely not. Supported borrowing from his parents to move? He hates having to ask his mom.

35:20Then what the fuck are you doing? But you're okay with it. You push for it, don't you? Yeah. Oh, you push to borrow from his parents? Oh, they do not like you. They love me. No, they do not like you. They love me. No way. There's not a chance in this world. Why would they? Like I said, great personality. Evil daughter-in-law coming in. Great personality. Where is this great personality? I haven't witnessed it yet. I could put it on for you if you want. I don't know. All you're doing is sitting over there sniffing. I mean, look what you're doing to her boy, their boy, their son. Then you go to them, you push for him to ask for money.

36:00Oh, gosh. How much did they give you for the move? I believe it was either$5 ,000 or$6 ,000. What the f***? Why did you need that? In what f*** world did you need that much money? So the$1 ,000 of it was for the apartment, and then the rest of it was to pay off his cash net loan. What the f***? Why? Why did they pay off the loan? Why did you need that to move? You didn't need that to move. it was a very I mean it's a high interest loan Cashnet has a company sucks they have the worst freaking interest rates but he asked for it I mean he was like hey I just need a little assistance getting out of this oh how are you guys going to sustain on your own if you guys don't get a massive inheritance and even if you do you're just going to blow it all by the looks of it so I don't know dude I don't even I don't know.

37:00What an opening to a conversation. What a first impression. I have a first impression. Listen, I'll at least send you to a therapist with Sondermine, and I'll get you a FIZ card, a debit card that builds credit. So take advantage of those. Of course, career certification as well. But I want to know what you think your financial score is, 0 to 10. 0 being the worst, 10 being the best. What do you think the household is, you and him combined? Not your parents' household finances. Definitely a zero. And you're okay with that? No, not okay with that. Yeah, you do nothing to change it. Great. If you want your financial score, if you want an assessment to see where you stand in the world of finances, go to CalebHammer.com.

37:43Click that link in the description below and go to CalebHammer.com slash apply if you want to be on this show. And don't forget, if you don't want to be like a guest on the show and you want our budget-friendly cookbook that can't be purchased anywhere else, I'll sign it and mail it directly to you. If you sign up for our budgeting app, take that free trial and then sign up for the annual version. But either way, take that free trial, I'll take control of your finances with Dollar Wise. Make sure you download it today. Okay, what the fuck am I looking at? I have something closed. It's an auto.

38:10Closed? It's a repoed? Oh, it looks like I haven't had a repo in forever. Oh, what the fuck are you getting repoed for? So, that's a fun story. Oh, fuck me. Basically. I don't even want to let her say it. I used to have a 2015 Buick Verano. It was a gift from my family because my great-grandfather had passed away. And I was 17 at the time. And I'm sorry, but also, what the f***? You've just been given everything forever. No wonder you have no respect for the dollar. Continue. So far, story not that thrilling. I was 17 when I got the car. When I was, was that 20? Yeah, I was 22 years old. Oh, my God.

38:53It's just a child. I was 22 years old. and the catalytic converter in the Buick Verona was going out. And instead of replacing the catalytic converter like I was recommended to, I instead— Yeah, why listen to people that know more than you? I instead called my fiancé and badgered him for 40 minutes to— No. Yeah, 40 minutes. And I convinced him to let me get a Ford Bronco Sport Heritage Edition. Year? 2023. Oh! In 2023, you got a brand new Ford Bronco? Yeah, it was. Oh, what a dump. What a f***ing. Oh, you f***ing convinced. Oh, this guy. This guy is such a pushover. What a f***ing. Oh, he needs to be able to stand up on something.

39:47Oh, what a f***ing. Oh, this guy. Oh, this guy. Oh, where is he? Oh, he knows I would just be ripping him three assholes right now if he was here. No wonder. My goodness, where the f*** are his balls? And what is wrong? Huh? I just don't like you talking s*** about my fiancé. He's a b***h. He's not. He let you, you have no money. You guys are dying in debt. You guys broke up over finances, well engaged, and he let you get a brand new Heritage Edition for Bronco because you cried for 40 minutes like a manipulative. So he's a... What the f*** are you talking about? Come on! Why would you even manipulate him into this?

40:35Obviously it did not work out. No, it didn't. I had the car. I got the car in January of 2023. And you qualified for this debt? No, sorry, 2024. And you qualified for this debt? No, he cosigned. Did he want to? No. Oh, you f***ing. You... Oh, you are making... Oh, you are harming my existence. Yeah, I definitely convinced him to co-sign with me. Oh, my goodness. This is an awakening. Yeah. And, yeah, I had the car January 2024, and then... Wait, wait, wait, wait, wait. They're typing something to me. Oh. They said for you, not with you. You're twisting something. He didn't sign for me. He co-signed with me.

41:20He was your co-signer, though. He did this so you could get the car. He wasn't co-signing with you. He co-signed for you. Oh. Sorry, I don't know the technical terms about it. Guy, run. Run. What happened to the car? I had a retail job at the time. I was making$10 an hour. and the car note was$816. Oh, what was the balance? Uh, 38. Oh, for sake, what was the interest rate? That I don't know. I didn't pay attention to it. Oh, I'm guessing it was substantial. Who the f*** let you get a loan? $10 an hour,$40 ,000,$800 a month. What are you making a month? A 1 ,500? Yeah, I was making, yeah, yeah, just about.

42:26It was a great car, though. It helped us move to Lafayette. And I got to take it from you because you were dumb. Well, I surrendered it. I said it was a repossession. I surrendered it. It technically, it comes up as a repossession, doesn't it? Just because it was voluntary doesn't mean it wasn't to repossess you, little. They lost money You deserve that credit hit And now it's on his Yeah Oh Look at what your finances Your decisions Your actions do to someone else It's unacceptable You have F***ed him in so many Disgusting ways That are unacceptable Disruptible as someone that called themselves a partner.

43:14Okay, but I'm not the only one with debt in this relationship here. It's not about debt. It's how you did it. You made$10 an hour and made him cosign on a car payment you could never afford. How long did you hold it? Till April. So four months. Did you take it? Oh! What? Ah! Man. Oh, I feel my veins tightening. But that was why we ended up breaking up for like those three hours. No! Because he said one of the... Because he was engaged to a bitch. But yeah, one of the reasons he said he would get back together is if I gave up the Bronco. We were going to try and like trade it in for a cheaper vehicle.

43:52Trade it in. Oh, your equity position must have been. Oh, it was bad. Trade it in. Yeah. What trade in were you going to do? Trade it in. It was a Kia Forte,$25 ,000. I think it was a 2024, too. Oh. But yeah, I know that the dealer said we couldn't. And so I ended up surrendering the vehicle instead. Now we share a vehicle. I'm going to surrender my life after this conversation. Me. You know what's harder than trying to cancel a gym membership? Figuring out if your insurance actually covers anything. I swear, insurance companies must take a class on how to make this stuff as confusing as possible.

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45:12Let's get back to the episode. Why has he stayed with you? I am so confused. I am genuinely confused. Let me see another angle of this man. Something's wrong. Something's wrong. You can scroll through our engagement photos. Listen, I'm saying this is a solid five out of ten here. You can scroll through. We have engagement photos. I mean, he looks a little bit like a Russian missionary, so.

45:40And Doug. Here we have the Lemu Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, Lemu? Is that guy with the binoculars watching us? Cut the camera. They see us. Only pay for what you need at LibertyMutual.com. Liberty, Liberty, Liberty. Liberty Savings vary underwritten by Liberty Mutual Insurance Company and affiliates excludes Massachusetts I'm not sure what he's trying to f***ing conquer and compensate out of this one Whatever he's had Vladimir You got it Leave Abandon Abandon Afghanistan The union's collapsing Get out At least you're making more money now Well f*** me Okay so So, do you have a payment plan on this or is it just sitting there?

46:35It's just sitting there. Oh, good. How nice. Good thing you guys will never get a house ever. Wow, I should probably move the f*** on, huh? So, is this your career track then? Are we going to move up in here? What degree do you have? Did you go to college? I did, but I dropped out. Oh. I was going for your theater. Uh-huh. Oh. Discover it. What am I even going to f***ing see in this thing? I don't even know. I'm scared. I'm scared. I'm scared. I'm scared. No. You absolute f***ing animal. There's not a chance in this damn world. You creature from f***ing Mordor. You have been hatched. You, what are you?

47:18Oh, you have been delivered to this earth to make humans suffer. You have had f***ing feet out, late feet every month this year so f***ing far.

47:32Oh, I'm burning up. I am burning up. I'm f***ing crashing out. I am crashing out right now. Oh, I haven't seen someone like you in at least a year. At least a f***ing year. And it wasn't. Oh, f***ing. Oh, my goodness. At least I know I get to count down the f***ing hours until I have to sit across one of these again. What the f***? How we got a link fee every f***ing month this year on the Discover It card, lady? We're trying to focus on paying off the cash advances. You have to make your minimum monthly payments on everything else still? What debt payment strategy are you doing? Huh? What debt payment strategy are you doing?

48:11The septum version? It's not getting you there. Yeah, I was going to say right now we really don't have a plan. It's just kind of sitting there. Then why did you say you were focusing on paying off the other things? You don't have a plan? What are you talking about? You're not focusing on those. You probably aren't focusing on those then if you don't have a plan and they're just sitting there. What are you talking about? We're focusing on paying the cash advances right now. You just said you don't have a plan. We're focusing on paying the cash advances right now. What does it have to bounce on here?

48:35It doesn't say, lady. Because you sent me the second page of the statement. It's the screenshot you sent in. I sent you the first one, too. Very, very productive to this conversation. Really appreciate it. Nope, I got it. Never mind. Keep it there. Keep it there. Put your phone away. $4 ,349. That is insane. That is fucking crazy. That is insane. That is more than your monthly income. I'm not just one card and we have documents to go through. You better believe it. Interest this year so far, 500 bucks. I mean, together, all the fees and everything. Oh, even the interest rate is just 1.99 % and you are f***ing that up somehow.

49:12You are f***ing that up somehow. What have you not f***ed up in life? Have you ever done something successfully? Yeah, multiple things. Name two. I have done multiple shows in theater and managed to get through all of them without messing up a line. Congratulations, you have no career in theater So I do not consider that a success Number two I got this job that I have right now How long have you had it? A year Okay Which, oh, yes So normally, like, used to I used to job hop a lot And I've managed to keep this job for a full year And I'm really proud of myself Wow, guys Our basic minimum of our responsibilities That's what we're That's how we make it through life, ladies and gentlemen when we pat ourselves on the back.

49:58You know why I know people like you? You know why you're okay and so nonchalant about everything? Look at you. The fact that you're satisfied with that, the fact that you're proud of that, you see that, you latch onto it like it's a grand achievement, and you think you are doing so well because of it, and nothing else matters. None of that other stuff can take away from it. You think because you have one good thing to latch onto, all of a sudden negates all the other that's attached to you. No, it doesn't. You're not a good person. You haven't accomplished much. You were at a job for a year.

50:38Thank you for the applause. Appreciate it. It's the last applause you'll ever get because you're never going to be in a theater company again.

50:49I don't even know what to f***ing know. It looks like the normal minimum is 113, though. 114.

50:59What a disaster. What's this? Second page of this? That's Discover Transactions. Discover what? Checking account? No, he has a Discover card as well. What's his balance? Was that I Oh Oh f*** me Oh he's He's just as bad He's just as bad He might not be as selfish But he's just as bad Fee Fee Fee Just return F*** check payment F*** F*** F*** Why Why are you guys Doing this Why are you guys Doing this What is this balance lady I think it's like 20 ,000 Oh, what? Yeah. $20 ,000 on his Discover credit card? I think so. Oh, what is his job? He works as a fire alarm technician. What does that pay? So he actually did a couple trainings, and he gets, like, dollar increases every time he does training.

52:09So he's making$19 now. Oh, good. A$20 ,000 credit card balance making$19 an hour. What the world are we living in? It is time to end it all. Ran, if you're listening, send them in. I'm ready. I'm ready. We need to leave. It's time to leave this earth. Send them in. Austin, Texas is the seat of government and power of Texas. If you want to destroy the second most populated state, we're ready. Come on in. I think that's a little dramatic. Dude, I don't know. I don't know how we survive as a society with people like you. I don't know Look at this And people like him too 20 ,000 hours And credit card debt On one credit card With Return fees When his minimum hits Return fees $18 an hour What's his minimum That I don't know Oh it's 41 It's 41 Okay That's what he Tries to sometimes pay And then it gets returned Because you don't have enough money In your checking account Yeah Because everything gets auto drafted Because you get 50 pounds of makeup a month $20 ,000 is crazy.

53:23It is the most insane I've ever seen.

53:34I don't know, man.

53:39Good. Good. What are we doing? What is this? what is society? How have we survived? What the f*** are we doing? Why do you possibly Why do we possibly have 573.57 % interest rate debt? 573 % interest rate debt. What the f*** is happening? That's one of our cash advances. It's not a cash advance. No, this is a payday loan. Is that a cash advance? Or a payday loan. No, there's a huge difference. There's a huge difference. A cash advance is that you get you a little paycheck early and then you have to pay it off. And I said sometimes those can be a tool, sometimes abused. A lot of people get in a situation.

54:29There is no tool at a 573 % interest rate. There is no tool. That's not a tool. That's a nuke. What are you talking about? You're taking up payday loans and you think they're pay advances? I don't know the difference. I don't know a lot about finances.

54:47I'm trying to learn. I'm trying. I'm trying. Google can exist. And it would tell you this is bad. We'll send you through our educational programs, and they're good. Instead of having to search for everything, we give you all what you need. We have four courses, five courses now, and you can sign up for DollarWise Central and get access to all of them for a much lower cost than purchasing them individually. Go to DollarWise.com. But what the fuck are you talking about? What the hell are you talking about? You could literally have looked up, are paid day loans bad? Is a 500-something percent interest rate good?

55:24You could have looked that up, lady. I mean, they made it seem like it would just, like, you know, it comes out autographed. Oh, the company's selling you on something? The company that wants you to have their product? And we did need that advance. We were going on a trip.

55:43I don't know how to make it to this. What the f*** are you talking about? I'm sweating so much right now. We were going on a trip to Galveston. To Galveston! It was a Galveston! To Galveston! It was even like Cabo or something. It was a Galveston. We went to f***ing Mudwater. Well, we went to Schlitterbahn. An outdoor water park? A payday loan to go to a water park?

56:21Why am I doing this show anymore? Why am I here? What am I doing with my life? I have enough to retire. Well more than enough to retire. Why am I still having a conversation like this? Me and my girlfriend, we just go We go live the life we want to live And yet, I somehow Decided That I would sit in this chair today In front of you, the second septum piercing in a row And you're taking up a haydash loan And you don't even understand why that's even slightly a bad thing And then you abuse your boyfriend What the f*** are we doing? And your parents, what the f*** are we doing? And his parents, what the f*** are we doing?

57:04Why am I doing this? Why am I doing this? Why am I talking to you? Why am I spending my time right now talking to you? I mean, I need help I'm here to get help

57:22Shut the fuck up

57:27Okay, let me give you some help 500 % interest is not good Now I know Yeah now you know that's the thing Again listen I'm willing to help someone You're an abuser of your fiance You're a manipulator You're a disgusting creature On how you treat people around you I'm not going to sugar coat it I don't care if I look like a d*** It would be inappropriate for me to say otherwise And just coddle you and make you think Oh it's okay princess That Why would I help you I'm willing to help 98 % of the people that come on the show why would I help you? If not help me, you could help my fiance. Yes, run.

58:09It's more help than I could ever provide. I don't know why I'm, why I, why should I stay seated here? Honestly, why? Why not? I could go out there and I could just enjoy my time. I could just enjoy my time. I could send Brandon home and highly encourage him to do a Twitch stream tonight and then I could just jump on and play video games with him. That would be more fun. substantially more fun. Why the f*** am I sitting here? Oh, sorry guys, I'm crashing on a little. Okay. I'd be willing to help you if you weren't a disgusting person. You're a disgusting person. I'm so sorry. I'm so sorry that I have to say that.

58:45People aren't probably willing to tell you the truth. You use and abuse everyone around you. I'm willing to help everyone. Everyone that comes on the show, I'm willing to help. I've actually paid off people's debt behind the scenes. There's a few people that I have helped when they showed progress. I am willing to help. Why the f*** would I help you? What have you done to deserve help? You just want another enabler is what you want. You just want another enabler in your life. That's not true. You've been enabled and spoiled by your parents and his parents and him. Okay, no. That's not where I'm going with this.

59:20No. I am here to get help. I am here. I recognize that I'm being enabled. I recognize that I am spoiled. I recognize all of this. I am here to get help. I don't want to do this anymore. I don't want to put him in that position anymore. I'm done. Like, I'm literally done putting him in that position. No, you would have done something. That's bull. You lied to me at the beginning about how you borrow from people. And right there was another lie. You might want to see that. You might want to say that because it looks good. You don't like that someone is judging you right now. It feels good to say that.

1:00:01That is a good defense statement. And some people might empathize. Those people are morons. You're lying to me. You're lying to yourself. No, you don't. If you had an actual desire to do that, you would have done at least one singular thing before this conversation right here to actually try to improve that between you and him. You've done nothing up until this conversation. done nothing, then you sat here, and now you want to try to say that you really want to change that? If you did, you would have at least put in an attempt. You haven't done one attempt. That's not true. Off, that's not true.

1:00:52Okay, so payday loan. It's literally$250.

1:01:01That's what you finance was$250. So we could go to Galveston. What the f***? So$250. Payment is... What's your monthly payment? It's usually a one-time payment of$305. Have you paid it? No. This episode is brought to you by State Farm. Listening to this podcast? Smart move. Being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling. Just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer.

1:01:48Availability, amount of discounts and savings, and eligibility vary by state. Not that one yet. Not yet.

1:01:59I'm getting chills of disgust. Alright, financial audit community, we're going to come together right now and we're going to do a little bit of self-reflection and confessing on my behalf. The last couple years, I've been launching educational programs each quarter or so. And then we also launched our budgeting app. And tens of thousands of people have taken these programs and more than tens of thousands of people have downloaded the budgeting app. The fact is, as someone who wanted to go to college to educate people, I love working with professionals and making these programs that actually change people's lives.

1:02:32But the confession and realization is the more and more we make and the more and more I want to make to educate people on certain topics, the more expensive it's all getting. So I sat down with my team a few months ago and we started brainstorming a solution on this. We decided to rebrand kind of everything we're working on for the future and we've brought it all in as dollar wise. You got the budgeting app version, and then you got the education version. And what we're doing right now is bundling it all together for literally 80 % off. That is 8-0 % off. And we're calling it DollarWise Central.

1:03:04You get all of our educational programs that we've made and the premium version of our budgeting app all for one singular price. Again, it's literally 80 % off at DollarWise.com. Those links are also in the description below. Tens of thousands of people have changed their lives. You can too. and now for a lot cheaper, go to dollarwise.com. This is insane. This is insane. Why would you allow this? Why would he stay with this? Okay, did he know you were getting this? Yes. And his thoughts? His thoughts. I mean, he, it was like a family trip, so we knew we kind of needed the money.

1:03:46Go on. How does that make sense? It's a family trip, so we have to get a 500 % interest rate loan. Please, please connect those dots. Once again, we didn't have any money from our checks, and we were going on this Galveston trip with his family, and I knew we were going to need a little bit of money, so I asked him if I could get— 500 %? And he said? And he said, yeah. Call him right now. I don't know if he's going to call him right the fuck now. Register on network. You can only make emergency calls. It's an emergency. I understand that. Yeah, Wi-Fi. Can you call him on Wi-Fi on that? Like legit is not letting me call him.

1:04:38Close your phone.

1:05:11I'm gonna f*** is at a 792 % interest rate. What the possible are you doing? What the possible are you doing? That one, I really don't remember what that one was for, but that one we borrowed.

1:05:51Do you even know? Do you even know what this cost you? Didn't you borrow$500? Yes, yeah. What's your total you're paying back by the end? I think it was like$15, wasn't it? Or$2 ,000? $4 ,000. $4 ,000 for$500. $100.

1:06:16But that's why. Are you giving me a butt from that? No, I was going to say. You're giving me a fucking butt. What did we go to? The roller coaster park this time? No, I was going to say that's one of the ones that we were going to try and pay off like with more than the minimum payment. We weren't going to do the minimum payment. Says the person with negative money in their checking account. Fuck you. That's a great plan with no action ability that you're able to do behind it. What are you talking about? What the f*** are you talking about right now?

1:06:51Katrina, if you're listening this time, you don't need to target New Orleans. Go straight to Lafayette. Hit that s*** hard. Hit it hard.

1:07:06What the f***? Oh,$500 pay. And then your finance charge on top of that is$3 ,500. What are you? What the f*** even are you? I'm going to say the balance of this right now is... I don't know. I'm going to say the balance of this is$1 ,000. Of course, you're going to be paying a lot more than that. What are you? This is crazy. This is gross. What did you borrow for? I don't remember, to be honest. We just, I think. We don't even know, man. Just a situation. Probably groceries, to be honest. What's a minimum payment of$305?

1:07:57Paid biweekly. Split in half. This is from earlier this year. We're not officially halfway through the year yet, and you don't know where this is from, this literally life-destroying loan, you don't know where it's from. Earlier this year, a few months ago. I remember taking it out. I just don't remember what it was for.

1:08:30They started garnishing your wages from this loan? Yes. You gave them access to your account? Yeah You gave them access to your account This isn't a government They can't just garnish unless you give access

1:08:54I'm sweating so much I'm sweating so much And this is so You don't understand You don't understand At this point Actually do I have empathy for you and how you do things. Boop, boop. Bye-bye. You're f***ing. But this is affecting so many other people. This is affecting your fiancé, which honestly is probably more involved in honestly enabling this more than I'm giving him credit for. Well, this is insane. This is insane. Why would you give them access to your f***ing payroll information? I thought it was required. for this loan probably because look at it. They're going to make$4 ,000.

1:09:41I'm just saying. A part of me wishes I was morally bankrupt. Look at this. I make good money doing this. Don't get me wrong. But look how much more money can be made out there if you just have no morals. They gave you$500 and they make$3 ,500 of profit. Oh my goodness. What the f***? What the f*** are we doing? Oh my gosh. Why sit here and film with someone who's a disgusting person when I could just be giving out loans to disgusting people and ruining their lives? You're breaking records over here, girl. It continues. Oh my f***, it continues. Good f***.

1:10:36I've lost it I've lost any will To survive I've lost any Just What the

1:10:50What am I doing This is at a 591.87 % interest rate You borrow$1 ,000 For this one It goes up every time you pay back a total of$4 ,413. For what? That one was also, I mean, we were in the negative. We needed money for groceries. So we took out, at first it took out$600. And then at another point, they let me refinance it for the full$1 ,000. So I refinanced and took out the other$300. This is the refinance? Yeah. She refinanced to 597 % interest. 91. Refinanced to 591 % interest.

1:11:41I'm going to say the balance is$1 ,750. The payments are insane. The payments this month alone are$464. $465. That's your monthly payment.

1:12:00and why did you take this out be real come on why did you take this out I know the answer we refinanced it for why did you take this out why did you take out the original loan the original

1:12:17because you didn't have enough PTO and went to go see your friends oh yes that is why we took out the original one sorry that's from like that's the one that was long, long time ago. Yeah. Long, long time to go to her is last October. It was, yeah, during Hurricane Francine and I didn't have enough PTO, so I took a train to Illinois. Stayed there for two weeks and then came back, but I needed money for like, you know, groceries while I was staying with my friend.

1:13:04What is this lending club loan for? What is this lending club loan for? You owe$243 from lending club. The minimum monthly payment of 58. What is this for? China. Do you know one single thing? Do you know a literal one thing? how have you made it this far in life? Apparently it's his loan. Oh. And you didn't even know that. You didn't even know the difference between his loan and your loan. I'm, oh. It all just blends together at this point. Oh my gosh. Where did Logan Paul go? He went to a forest that I need to visit for myself real quick.

1:13:57Lending Club

1:14:03Yeah that one I literally do not know I don't recognize Lending Club Well he owes$243 I don't know what the interest is because it's a screenshot from his credit report $58 minimum monthly payment

1:14:22Why don't I see just a random cash app screenshot? That's my cash app statement But they give me cash advances as well That's like one of the advances Which can, if properly managed, be a tool But my goodness, just like a credit card Most people, they're f***ing Okay, so you owe$150 I did pay that. But then I took out the$300 that they offered me today.

1:15:01Ladies, what the f*** are we doing?

1:15:11I just don't know why. Why have you done these things? You're coming on the show today! You're coming on the f***ing show today! I need a little bit of gas money. We would have given you gas money at that point. No, you bought things at Bucky's. Listen, we know your entire existence. You're a f***ing liar! A liar! You are a liar. Liar, liar, liar.

1:15:48Matching Bronco t-shirts for you and your mom. For me, my mom. They were super cute. I don't know what else. Shut the f*** up.

1:16:05$600 cash-up. That she took out the day of filming Financial Audit.

1:16:26I need a moment. I need a moment.

1:16:34Eventually.

1:16:42So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart.

1:17:17is that the midland credit don't okay

1:17:25lindsey can this please be my retirement episode no i don't think we're allowed to do that my life right now you know most content that people produce on YouTube is fun

1:17:51why weren't we a gaming channel why weren't we a food channel why weren't we a Graham Stephan talk at the camera for eight minutes channel. Why'd we have to be financial audit? Why'd we have to be financial audit?

1:18:23I'm sorry. Gosh, I just really hate this. It flows through my bones. If you weren't such a piece of s*** to him, to other people around you, I would have sympathy. I would feel bad about this. But you're doing all this and dragging him down with you while taking from both sets of parents. It enrages me. Midland Credit Management, what is this? That's my Best Buy card. It got a... They took it. I don't know if that means it's in collections. I don't know. They are a debt collector, so I don't know if that means it's in collections or not.

1:19:09But it was a Best Buy card. You're late. They have a minimum monthly payment for you. You're late. Why? And you want to pay more on the f***ing payday loan? And you're not even paying this on time? What the f*** are you? What? What? What?

1:19:36I Why aren't you paying this? We're trying to pay off the cash advances That's all it is We're trying to get out of the cash advance cycle Before we start tackling our credit card debt Don't use cash advance You're on payday loans Sorry You're on payday loans You're on payday loans

1:20:08And what were we spending on the Best Buy card? I bought a PlayStation 5 Me and I really wanted one Nothing like collections for PS5s Got a PlayStation 5 Do you play it? Yeah All the time You should read a book You have a long way to go

1:20:37And you used that to upgrade their PC Yes, yeah, we did

1:20:47Oh, she is Dave Again, like this, it can be, it can be There's ways to use it, there really are finessing ways But my f*** have you f***ed This one? Is this paid off? No, this one's... No, listen to me. What do you owe? Listen. What do you owe? I think it was like 86. But I... No, this one is... Because they literally... No, they literally f***ed me over on this one. Shut the f*** up. You were not... You f***ed everyone else over. You deserve it. They f***ed me over on this one because I... My credit card or my debit card information got taken. It got stolen. And so the old debit card was on the Dave account.

1:21:24whenever I went to pay it off. Like, I legit was like, okay, here's your money, Dave. Trying to pay it off with my new debit card. It locked me. Like, it was legit like, no, you can't change your debit card information. It made a fraud thing. Did you call David? Yes, I called. I called Dave. They said, oh, the only way you can do it is if you go to Walgreens to do an actual ATM. Like, that. Try to make a stupid voice about someone else while you're sitting at this table.

1:21:54Good Good Taste of your own medicine

1:22:08So we're just not paying? Okay Dave, no Okay And we're borrowing from Dave So we can buy makeup so that we can do that. You look like you have Mushu hanging around with you on your back or something, waiting to pop out. I do have a dragon, or kind of a dragon tattoo on my thigh, so I guess that works. How much did that cost? Was$500?

1:22:42Reminder, she took out a$500, basically 900 % interest payday loan. Oh, the best part is I put it on my credit card too.

1:23:01Discover Bank. What the f*** is this? It's closed. That one. Another Discover? No, that's the one that I thought was like the$20 ,000. Then what was the other one? The other one was his transaction history. On what? The Discover card. No, this is closed. You have no idea what you're talking about. You don't know anything. You literally have no idea what the f*** you're talking about. You don't know a single thing. Oh, what about Upstart? Upstart was, he took that out for debt consolidation. Well, it's closed. Yes, he ended up going with a debt relief. And so they closed it. But he sold$1 ,103.

1:23:53Oh, goody. Oh, good. We have student loans. Oh, campus FCU,$17 ,491. What's that? That's his car. The truck. That's his car? Or a truck. Yeah, a truck. A truck for his, what's his job? He's a fire alarm technician. Does he need a truck for that? He needs a truck to get to and from work. I mean, we need a view to get to and from places. So don't get a f***ing expensive truck. He didn't. No, he got that truck on a good deal. He was working at the dealership. Good deal, it's worth$13 ,000. He owes$17 ,500. F*** off. You don't know what you're talking about. Another continuation in the long history of you don't know what the f*** you're talking about.

1:24:40Suit alone. Who's this? Is it the 27? Yeah, that's mine. for our dropout. I hope he drops out of this marriage.

1:24:57Checking account.

1:25:04Going in and getting some BS. Getting some BS. Door-dashing Taco Bell. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Oh, would you believe this? rejected because we didn't have enough money in our checking account. Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account.

1:25:31Making a payment on the couch, I pre-opt-a-loan, and then immediately digging it back out. Door dashing Taco Bell, door dashing Chick-fil-A. Going in and getting some BS. What are you going in and getting in the gas station, lady? The gas station? Yes. I usually, I mean, I usually. You're going in and getting like a$3 thing. A Red Bull? How many Red Bulls? What are you getting? I usually, I like to do the deal where they do like the buy two, get one free. How often? I mean, anytime we have money to do it. You don't have money. That's the point.

1:26:07Amazon. Red Bull. PlayStation. Float me funds. Float me. DoorDash Taco Bell DoorDash Pass We're paying for the subscription That's so good Netflix Sushi Maws Colton Faces Hamburger Candle Smoke Shop Altid DoorDash

1:26:38At Katina Taphouse Who knows where the fuck Did it go somewhere good doubt it. Sezzle, the Sage Karaoke Bar. Getting Red Bull. Red Bull, Domino's, Alta, McDonald's.

1:27:02Vending machine. Ghost arcade. Discord. We're paying for f***ing Discord. We're Discord paying. We're paying for Discord. That's so good. Red Bull, Red Bull Red Bull Red Bull, Red Bull Indiana, Montreal Appleville Red Bull, Red Bull, Red Bull Hulu I'm almost through with my obligation And then I'm f***ing done Taco Bell Karaoke Beer Lending machine DoorDash, Raising Cane So you too much wrong Denny's Borg Gosh Okay sorry Whoa Vending machine Vending machine I think Red Bull Red Bull You're spending so much money You have no money Makes no sense It makes no F***ing sense Oh Wait here withdraw Red Bull Coffee Red Bull Door Dash Taco Bell Red Bull Panda Express Mary's Lounge What are you doing?

1:28:16Amazon Prime, McDonald's, Red Bull. Red Bull. Little Caesars, Domino's, DoorDash, Raisin Cane's, Apple Pill, Jell-Lex, Kendall Smoke Shop. What are you smoking? A vape. Yeah, just... I'm not going to say in Minecraft. It's just...

1:28:43Red Bull, Red Bull, Salad Station. It's not making up for all the Taco Bells. Taco Bell, Raising Cane's, Then Win Out Money, Frozen Sun McDonald's, DoorDash McDonald's. Oh, man. Oh, how have we made it? Clio AI. It's fun. Why do you need it? No, Clio's another cash advance. That's not what I thought it was at all. No, it's not AI. Clio's another cash advance. Texaco, Candyland, Venmo, Venmo, Appleville PlayStation Network, Hulu Sonic, Apple, Walmart, Apple

1:29:42I don't know what to do here.

1:29:49Why? Why do you exist? Are you here to harm me? I'm not trying to.

1:30:04I didn't realize, like... You use, abuse, and then take out every loan possible because you don't give a fuck. Because husband will bail us out and support us. Because his parents will bail us out and support us. Because your parents will bail you out and support you. Because your friends will bail you out and support you. You get bailed out, enabled, supportive. So why would you give a fuck? Destroy our finances. It doesn't matter. They're always here to save us. Why would you ever do anything? It's disgusting, it's selfish, it's nasty. How the f*** they continue to support you, I have no idea.

1:30:44You go into MLMs and sell it to your friends, they don't even buy it because they don't even trust you anymore. They don't even respect you anymore.

1:30:56Good luck. I'm not continuing this conversation longer than I have to. and I've met my obligation.

1:31:09I'm going to call the husband in the post show. Join us there. Hammer financial score. Off. If you don't want to end up like that, let me tell you. Download the DollarWise budgeting app. Start your free trial. Take the annual version. I'll send you our cookbook signed by me. I'll see you in the post show if I even make it there. Tell him how much you're paying on those loans. He's at work. Your call has been... Wow. He did not want to be in this hot seat. I don't care what Lexi says. He said now's not a great time talking to his boss. Can you text me? I'll send it if you want. Exclusive members content.

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