Valley-Girl Feels Oppressed Because She’s White | Financial Audit

36:15You don't want to go down the legal things, but there's a credit fraud potential here. and some of these different things but i mean it would kind of potentially put your family in destruction mode and you know that's kind of up to you in terms of what makes sense there but oh i want to try to take care of it i think okay oh how do you not know anything about this okay i do i do i do i do i shook my head but i do because i looked at my credit karma report and i think it's around like seven seven something okay seven or six something it's not fantastic but what's the Minimum fee payment. $390.7.

36:55I just don't know how you could afford that if they decide to stop paying it. And they could. It's under your name 100%. It's not their responsibility. I think they want me to. What do you mean you think? Because it's been a conversation? They've mentioned it a couple of times. What does that mean? Like in passing? Like, yeah. Like, they'll make a little quick joke. Oh, like, when it's time to pay. I'm like, oh, you know, you should start paying for this next year. Or, oh, you know. It's a funny joke. They'll ask me, like, you know, for help sometimes. to finish the payment because they don't have enough money sometimes keep wiping that what's happening i just feel so sweaty okay you're good you know we've been through one two three four debts but you mentioned at the beginning i asked what's going on here he said he's opened a bunch of debt in my name credit one he may have opened that the card they may have kind of pushed you into that but even still no even still this isn't oh this that's not lining up so far there's only there's only one debt that he accrued.

37:50You said three at the beginning. I said he opened it, but I said there's one that he used. So what's the status of the other two? They're mine. Aside from when I helped with the repo. So he opened them, but you took them. But you managed them. Yeah. Bank of America. Yep. Is this one it? Is this one what? The one he racked up? No. I really want to see the one he racked up. $2 ,169.47 with a minimum monthly payment of$74. Gosh, basically you have the credit limit. No surprise. 14 years to pay off. Okay. Okay. That doesn't... You. You kill me. You kill me. You made more than the minimum monthly payment but then you went and purchased on it anyway.

38:37And then$53.24. Every single card we've looked at, you've purchased on. So I don't understand what your intent is in finance, in life. Your goals are not aligning with your actions by any mean possible. I honestly don't. I've never. Finances for me has always been in the back just because I've been focused on other things. What? Like when I was in school, I got so good money from school because I would get a stipend because I was on athletic scholarship. Why do you have student loans then? because essentially my california insurance didn't work in idaho so i had to pay out of pocket for their student insurance which was like a grand a month what health insurance yep why weren't you on your parents i was but they wouldn't accept it at the school well hold on at the school yeah so the school medical yeah they will go off campus no like it's like you have to have proof of insurance to be a student like you have to have insurance they so the insurance the reason they didn't accept it was because it didn't cover out of state non-emergent things it only covered emergencies oh so they didn't accept that they but they recognized that as existing it just wasn't the coverage yes yes and so they did they declined it and then I had to get the student health insurance and that was like a thousand dollars a thousand what dollars a semester you borrowed for it scholarship didn't pay for it no okay okay the bank of america uh electric and an electric what oh electron wait ba oh that's your payment sorry oh amazon it was an amazon order great another 429 fees we've had fees this year 95 dollars a fees it's either missed payments late payments or over the credit limit multiple times probably three times for something this year i maybe two i think it was two do you know two late payments well how long have you been in this job that you're in right now i'm glad you got something new why have you accepted it for so long working like a half an hour a week so it wasn't always this way um originally i worked for three different agencies but i wasn't getting why'd you stay hours so i left so i did leave and then i picked up this client and i i really like like them or like them why they're not giving you money the only reason to have the job well job purpose but i'm glad you got the purpose part but you also need to be able to pay bills and live a life i've been probably too focused on the purpose because i did have purpose you're never even there i know but i did have another job before that paid better and i had better hours but then i quit it to take time to study for the mcat which i'm not necessarily opposed it's just but you've been in this job for so long okay and i i was worried because i got really really burnt out you can this next one also has purchases that is five credit cards in a row all right

42:07the credit limit is 2000 you're at 1974 yeah congratulations guess what you spent you paid off more than the minimum payment doesn't matter whatever difference you made the almost hundred dollars of purchases are completely negating it 72 dollars a minimum payment on this so we had some parking gas I think but then caregiver background yeah I have to renew my registration with this I never have the cash because I've just been putting all my money towards the cards okay sorry sorry we already went through this I'm sorry I'm irritated I know I wanna process this so I don't just blow up. It's the fact that you're putting more than double on all these damn cards, which, great, but then it makes it so you don't have any money, so then you just negate all partners by putting the money right back on the cards, and then the interest is growing, and then you have fees are growing on some different parts throughout the year, so why even put the extra money towards the cards?

43:17Why even put extra money towards the cards? Because you just put the balances all the way back up. It doesn't even make any sense, so why even do that? Why even do this? Have the money in account, spend it, whatever is left in a budget, we put towards the card. One card at a time, two, not all. So I just, I don't get the message you're going about this. I don't either. I felt very, very lost. And that, yeah. I just haven't, I, it's so, it feels so overwhelming. And I don't, I don't know. It's like I woke up one day and then, boom, it just came, it just showed up. Obviously, that's not how. I know that's not how it happened, but that's what it felt like when I started caring.

44:05Okay, when did you start caring? When I started watching your videos. It was only a month ago. Yep. What have you done in a month? Canceled a bunch of my subscriptions. Okay. Make lots of sandwiches. It's stopping and getting the food. I've been making lots of sandwiches. Really? No McNugs. No McNugs. Okay. But I still am doing what is wrong in that I just don't have any cash. Like, I just put it. But that's not being reflected in these statements. And we haven't even gotten to your spending statement. And this spending shows the month that you started to care. So, it feels like you're bullshitting me.

44:47I'm not. But the numbers don't lie. We had your most recent statements. So what are you talking about? Maybe it's more of a feeling to you instead of the objective truth. It's a feeling. It's a feeling. You feel like you're trying to. Maybe you cut back 5%. I feel like I'm trying. I do feel like I'm trying. We're going to get to the spending statement. I already told you what percentage went to bullshit. It was a crazy percentage. And of course you spent more than you made. So wherever the trying is, it's not really... Okay. 32.24 % interest. So that's kind of tied with the bad one, right? I...

45:31They're all bad, to be clear, but... Green Sky. Is this one? Is this the Pops? Yes. Okay. I recognize Green Sky, yes. Whoa, what is it? It's 12 ,681. They redid the yard. In your name? yes oh what do they even do uh it's all turf now you better roll around and it get its money worth they really like it because it's easier to clean up the dog poop now yeah yeah um but i i i should have asked more questions about i and i should have asked more questions i did not understand what I was doing when because they talked to me about it. They did. Wait, they talked you out of this? So he didn't open it without you knowing?

46:21No, no. He talked to me. He talked to me about it. He asked me. Kind of at the beginning, you kind of led me astray. You made it sound like he was just taking out debt in your name. They may have manipulated into it. I'm not saying that's okay. But you made it sound much different. You made it sound like he was just taking out debt in your name, like credit fraud. but they've convinced you to do this. First of all, gross. Get away from them. Aside from one card. They might not know what they're doing is evil and horrendous and bad and disgusting but their ignorance isn't an excuse in terms of you having to put up for it with it.

46:56So you need to get away from these people being able to convince you. The rest of it is on me. It is on me aside from one card. Yes, but this is substantial law. How did they convince you and how did you accept it? they asked me to co-sign on the loan oh you're co-signed okay but i'm i i don't know who with i don't think it's my dad okay maybe my mom i don't know and he didn't know that it was going to go on to my credit are they paying for it yes okay okay but it's really it's just it's just the one card that but you said they had a conversation with you yes what was the reasoning that got you over the line to be like okay i didn't know what it meant like i thought then why'd you say okay because i i thought okay in my head so they basically don't have the best credit either what and um are you sure at that time i had pretty decent credit i think i wasn't watching my credit then your credit's about 650 i think yeah and then um right now yeah and then they came to me and you know they wanted to redo the yard whichever and then they asked me to co-sign on the loan to do it because their credit wasn't enough and i i did not understand what co-sign And in my head, I thought that co-signing was like kind of like vouching, you know, like, oh, hey.

48:33In the credit world, it kind of is, but it still puts you responsible. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5 % on your money and up to$300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get$20 right now instead of the usual$5 you'd get from your friend's referral.

49:13You can also sign up for our investing program and get$100 in cash deposited into your Moomoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. Yeah. And I didn't know that. And it sounds like he didn't know it either. Your parents didn't know it? No. why'd you really make it sound so victim-y at the beginning then when this a lot of this were your decisions more than you suggested i kind of i didn't mean to it's really just the one card that was his what the who the are these people it's like what am i looking at it's like anime oh like game of thrones classic anime game of thrones yeah sure okay keep going um but okay this is i don't know 189 dollar minimum payment i get that they're taking care of this and the car but i mean they go the crash they die i hope that doesn't happen you're yep because by the sounds of it you're probably not getting any money from them maybe some life insurance we'll see but who knows no sometimes but i won't ask for it sometimes what sometimes they'll give me money oh what okay and how does this how does your guys's money relationship work it's it's really it's not good not separate from them as a daughter separate from them as finances finance but that means you moving out but i don't know how we're going to do that with the school thing unless you get accepted into that program that you're to do okay so again twelve thousand six hundred eighty one dollars and 68 cents at a seven percent interest rate rounded up by 0.01 percent and 189 dollar monocity payment all for some turf i've been thinking of getting some turf it's really great because i got two dogs and it'd be muddy oh it helps it helps a lot with the cleanup okay what's too long how many semesters were you there 10 semesters five years no four years okay you you borrowed more money than you suggested if it was 1 000 hours a semester i i borrowed i didn't suggest that i was only borrowing a thousand i said i borrowed for that and then it was just more i i didn't i didn't know i just you know they filled out the fafsa i saw who they filled out the fast like my parents oh we're back to that okay and then um my gosh i thought that was some i thought that's what parents did i didn't know they could help you but these aren't parent plus loans no so yours and so i i i had no idea and then basically i how it showed up to me was in my student account and it was just like oh you have this amount of money to take but do you wanna huh yeah yeah what did you just say it like asked it said okay you have this amount of money available that you got approved for do you want to take it oh do you wanna yeah oh my gosh okay that came out as one word okay uh five percent on one of them, 4.5 % on the other, 2.7 % on the lowest.

52:38$10 ,133.32. You paying? Yes. What's your payment? Like$80. I would have guessed about$150. You're on an income-based payment thing? I have no idea. I just go online and it gives me the amount to pay. I don't see on this. because i don't think this is a literal statement or else it would have showed your payment great okay all right okay any other debt no any other debt no no money to your aunt oh yes yes sorry how do you i thought like statements okay why do you owe your aunt money how much money do you owe your aunt two thousand six hundred and oh my god seventy something dollars seventy something okay uh why that since when that was the card that got racked up by my dad and then when he went to visit her she was like well i'll just pay it if it's a problem but you owe it to her yes so i guess there's not interest right no okay so we saved ourselves there and potentially a minimum payment but in the end you still have the debt you refinance it at zero percent with a questionable payment do you have like a payment agreement like about 500 every month i get help from my dad though huh oh since he was the one that how much does your dad put towards that 500 500 that's he puts like a majority like normally okay give me a number so i can budget you so you still have to pay a hundred he better yeah what the f*** does that dude do for a living he's retired now there was a card we had a statement for but she said it paid it off fully so we didn't print the statement is that what it was yes he had a door dash order on it was that him or you nope no no no does he have access to it did you close it close it it's your it's your thing just close it or request a new card i don't care and honestly you shouldn't have access to credit cards because you don't know how to manage them to save your life yes access has been removed you said he was an attorney yes he was uh now he's a dead be dead i don't know what's his new job um he's retired how old is he he is 65 okay no not 65 he was born in 65 so like almost 60, 59.

55:17If he was retired, why is he going into debt on someone else's name? He didn't retire on his own. It was for medical reasons. Okay. And he didn't have anybody saved. There was no medical anything that he got. He gets a little disability but not much. Social security, what is that? Maybe. Or has he not started to accept social security yet? I don't know. I don't know about his business. Great. He only uses your money. So I'm glad you don't know. Okay. $10. And let's check in the count. Some marketplace you went to. Oh, my. Here we go. Spotify, you can listen to ads. You can't afford bills. I don't give a fuck.

56:08Listen to ads. ATM withdraw for gardening. $23. Starbucks, Apple Bill Gwyneth, I got some BS Apple Bill. What are these 29 cent Apple charges? It was Oh. What are you getting? TikTok Huh? For 29 cents? What? Like the little, you know, you can send Who? To who? To why? It better not be That, mmm, popcorn's so good, girl No. Who? Like streamers Like cod streamers On TikTok? it's streaming caught on tiktok a bunch of people can't even like see the full screen it's on tiktok well you can can you go horse animal yeah some you can

56:50stop you don't have money okay eight dollar tip there maybe i don't know communal coffee starbucks knockout danish and donuts better buzz you guys see what's happening this is someone who's cut back better buzz starbucks terry coffee more apple bill probably super it sounds like you're going on dates every five seconds of your life to pay for food support you're probably getting super likes and super swipes no apple bill no i'm not getting super likes or super swipes and i'm not dating anymore i deleted everything and i never i would never for a subscription for a dating app yeah it's usually the men that have to do that apple bill where the customers uber eats getting your mcfries oh we actually did because then we went to mcdonald's and you went and got some bullshit atm withdraw 35 33.50 for gardening mean apple cash that out 70 bucks uh i i had gotten that came back i had gotten into a fight with my dad another one yeah oh good and he he was uh getting my car washed for me as like a treat and then um so i got mad because he was like using it against me and i tried to send it back oh my Gosh, why does everyone use everything against you, apparently?

58:20If a guy buys a dinner on a date, you know, they're f***ing, no, no. They use it against you for intercourse. If your dad gets a car wash, he uses it against you. Why does everyone use everything against you? He did, but he sent me the money back. So he could no longer use it against him? Okay. UCI SOM admission? Oh, the med school application. Cool, cool, cool, cool, cool. Glad you got into a med school. I am. And I'm waiting to hear. I know that's hard to get in, so. I'm waiting to hear back from a couple more, too. Well, do you have a preferred? Um, no. Not necessarily. Yeah, I was going to say, med school's med school, man.

58:57I just need to get in. I got into one, so I already. Oh, f***. ATM withdraw, ATM withdraw, ATM withdraw, ATM withdraw. All for gardening. Great. Yeah, I probably can't afford this bull****. Dude, not for a single second of our life can we afford this at this point. Because you've said so many times throughout this conversation, yeah I didn't have money so it was put on a credit card did you just see the checking account statement we went in it was spending spending spending spending spending spending spending on bullshit across the board I will say will you yes I will that statement was July and beginning of August and I told you that I've been trying to make changes since mid August this went to mid-August it went to like the 12th I'm talking like literally mid-August the 14th I remember the exact date shut up I swear I swear great I'm glad that you just like everyone else changed habits as you conveniently applied to be on a show where your finances are that's what happens and then people go off and then they f*** up still unless you actually take a real change and not just a temporary I want to make sure I look good in front of the internet.

1:00:15Yes. Okay? So I don't want to hear it. $251 in your investment account. Okay, so nothing.

1:00:22What are we trying to do here? I want to get out of debt and be smart about it. Why do you want to get out of debt? Because I want to be able to go into medical school in the right way. Are we going to do this? Are we getting out of debt before we go into medical school? That's the goal. $54 ,364. At least my credit cards. At least my credit cards. Because at least with the green sky, you know, my parents cover that. And. Okay. So half. And then. Probably like$25 ,000 of credit cards. I think it's a little bit less. I think right now. Oh, sorry. I was calculating student loans. Yeah. And I, and yeah.

1:00:59And so I think it's around like$12 ,000 in credit card debt right now. When do you hear about this program and how competitive is it? This military thing. When I submit my application, that's what I'm working on right now. So it's a lot of paperwork. um when i submit it it goes like before a group of people and then i he said i should find out within the month of submitting what's it called the for the army because i think the navy and the air force have one too but i'm doing it through the army let's find out he said i have a good shot i i'm not going into it banking on that disclosed typically offers around 300 scholarships per year how many apply what was your mcat score uh 503 okay well you barely made it yep because you need 500 yep what was your gpa 3.94 barely made that cut off too well that was you're a little better there it was 3.2 that's like 0.7 that's not barely cutting it all right calm down

1:02:10i only got two b's in college yeah you're right no but yeah with the mcat yeah okay they offer 300 no you're right about the gpn but and the rest of my application is competitive aside from gosh they don't say how many people apply it's not it's not public information no and neither is the acceptance rate no the program is very competitive if it says them yes and i'm a 300 and I in a country of like 350 million people. Gosh, so we can't rely on this. No. Obviously, we hope you get it. Of course. Absolutely. I'm not relying on it. Gosh, usually I can like, oh, I wish I could do something. Like letter of recommendation.

1:02:53Not that they would care about me. Oh, the f***ing tumor. I'd gift you a course career certification, which I recommend for really anyone, anyone but that again that doesn't help you here it helps most people on the show i did get two more jobs i'm gonna yeah i know i'm just trying to think of yeah i know but even medical school is crazy like you're gonna be borrowing what like 250 to 500 000 so it's just like yeah we can pick up some jobs but that's some money like we need some real good jobs working full time to pay for that i mean it's gonna have to be a loan or a scholarship okay yeah but you're white so you can't get scholarships you said there's like a few that i have looked into applying and maybe i should but it's only like a few grand you know in the grand scheme of things versus 250 000 it's not the greatest like i think there's some athlete scholarships i could apply for for like ncaa like you can get scholarships yeah for like graduate programs at least um i know one person got it if you're playing the i'm white card so i'm not going to get a scholarship at least you're a woman i know right because if you're going to play that card then probably you could go to the extreme and say if you're a white man you're the least likely so that's true it playing your logic that's true no that's

1:04:22i kind of thought about that i did um almost become a white students receive 70 percent of scholarships really wow for what though for a full tuition scholarships but for my okay i will say my income middle class is the harsh against sure and i i kind of explained i'm not fighting on the statistics around scholarships so when you throw that at me i'm just playing into your own logic like i i don't know so that this is not worth going down a rabbit hole here yeah uh i'm sure there's going to be more uh people with opinions in the comment section is totally okay i just i'm legitimately just not informed on that i just i really hope you can get in this program i'm just trying to think i'm okay some people are completely against student loans and all things i think if we're focused if we get a good specialty in medical that we know we're going to be making a good return on our investment you can take out student loans we just need to talk about a debt repayment strategy on the other side of it so i am okay with that yeah we can go about it in a smart way if you go out and you just barely making your minimums and you just start living a high lifestyle after medical school or you go in and you're like a you know general practitioner you're not making as much you know it's just like which also that's not necessarily bad but if you take out a ton of student loans it makes it much it's harder yeah so there's ways to go about it okay so obviously we want to make you a budget yes put you through all the education but when do you want to go to medical school though because it's next year so so july august so we have barely less than a year to get out of credit card debt that's why so that's our goal here yes that's a good goal i'm glad you actually have a goal most people don't have a goal this is actually pleasant to hear yes thank you income can we say do you know what it'll be like i don't know what's your income gonna be so i'm i'm working seven days a week i'm working four hours each day at twenty dollars an hour with that person through my agency then i'm gonna be working at a juice bar for an additional four hours after that part time so that will also be 20 hours um 28 hours for the agency and that will be what will your income be Oh, I don't know.

1:06:41Like, I'm hoping to get to at least over two grand. Two grand. Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Yep. After all that, we're only talking$2 ,000 a month. I haven't looked into it.

1:07:20I haven't done the number calculation. I'm not going to put an income. Let's see what you just need. How about that? Let's start there. I'm not going to include the bills that your parents pay for for the debts, but they could come and f*** you over. So just acknowledge that existence. Yes. actually i'll show you an if and or but 660 without them or your bills but for some reason they stop paying well on the yard the car they want you to take it over so let's add the yard and the car then you're at 1246 a month you know over doubling it

1:08:03okay do you have to pay for utilities or anything any kind of rent to them okay how does how does food work at the house me i am responsible for my food you are okay three hundred dollars follow our meal plan tweak it to your needs i did have a question about that oh sure what would be most comparable to heb i don't know i don't live there but just uh or even in big chains you know like walmart like and i think winco maybe trader joe's can be okay that's pretty pricey it is it can be okay it's really dependent on what you're getting uh but again it's just like go on the website okay okay see if you can price out things on the websites because that's how we did our meal plan is using website prices and then building out you go and you get that brand specifically tp fun this is for all the things you else need to survive make up all the goodies okay so good car insurance do you pay it your parents parents okay so again this victim thing at the beginning like it gets less and less and less empathy.

1:09:14Yeah. As we go on. I am very grateful. That's why it's really. No. Mm hmm. Gas. Me. How much?

1:09:28About 150 a month. Okay. And Jim. No. Gotta be working off them McD's. McDonald's. McNug's. Anything else that needs to be in your budget? I'm not putting subscriptions. You have a pet? My dog. How much for pet food? Probably like 50 bucks. Okay. Do you have pet insurance? No. You should. It just saved me literally thousands like two weeks ago. You know, I think I did actually talk to my mom about it. And she said that. Stop talking to them about money. Well, she gets vet insurance through her work. So, but she just hasn't been using it. So I told her after watching your show. Okay, well, I'll put$35 in your budget just in case.

1:10:13Let's see what you need to survive. Is there anything else that needs to be in your budget that we've not accounted for yet? No. Obviously, you'll build a more detailed version after going through the program, but this is going to give us just a high. Okay,$1 ,235 a month. Okay. That's not hard to get. But what's hard is we need to get your credit cards taken care of, right? Yes. That's the big thing here. So we got the Capital One, 5 ,309, plus Credit One, 1 ,580. Your aunt. Plus Marriott. Yeah, but your dad's. Helping. Big majority. Marriott's 1 ,946. My aunt watches your show. Hello, aunt. Make sure you smash that like button, aunt of Maya.

1:11:05Yeah. Is she going to watch the post show? Because that's where we get a bit more wild. I don't know if she has the Patreon or the membership. This will be my first post show. It's fun. Yeah, I wouldn't want you to subscribe. No. Okay, so just a credit card. It's$12 ,780. With the money you have left, if you say... Okay, no, no, no, no. You have 11 months to pay it off. So what do we need for that? we need and this is without taking any interest in account but it's also without taking any snowballing account either so one thousand one hundred fifty six dollars let's call that that's what you need to pay towards that on a monthly basis to pay it off by the time medical school starts we can i mean we can do it i can do it i i know i can do it yeah but but to be clear in order to do it you need wait oops sorry you need to bring in minimum into your account two thousand three hundred ninety one dollars on a monthly basis that's your literal minimum yeah literal minimum only put the money towards the smallest debt yeah nothing extra minimum payments and everything else then just keep rolling it over into the next smallest one don't look at interest just snowball works best for you i think okay uh not moving out until we go to college because that would add more another line item but again that might make it even harder because you and your family it's questionable okay and it also means you're literally not spending a single cent outside of our budget which is hard so what i might do is aim to bring in two thousand five hundred dollars on a monthly basis easy okay but you're not and you haven't i still aren't even with your multiple i'm i'm gonna i'm biting the bullet now i'm biting the bullet because I'm biting the bullet.

1:12:51I will be the one that's 32 hours a week. It will be 12 hour shifts. So I will at least get like a little bit more for the extra four hours on top. Because it will be at a hospital. And then I know it won't be that much, but tips from the little juice bar job too. Sure. So what I want to see is I want to see you right back in that chair or virtual, but preferably right back in that chair in 11 months, right Right before you go off to med school. And I want to see every credit card paid off. Okay. Now what I would actually prefer is again. You know make it a little more. And headed off to med school with at least like.

1:13:30$3 ,000 saved up for a small emergency fund. I would rather more. But you know we have limited time here. But that's what I want to do. Your aunt would be paid off by then naturally. If your dad doesn't f*** up as he's done. the yard and car scary and all of a sudden we have to start budget again this whole situation gets thrown off by the way if your parents start requiring you to pay for the car within the next year then you're just gonna have to go find an extra 397 minimum yeah and probably car insurance if they're gonna make you pay the car payment they might make you pay the car insurance so there's a lot of ifs ands or buts here yeah and then the student loans will worry about that after school they'll enter deferment i do have like a small plan i know it'll be really challenging um what's your plan if if i have more expenses in medical school since i will be carrying my cna license to just kind of do what i've been doing even though it's bad but do it in med school like working with an agency very difficult to work well in med school med school law school very hard to work well no i i 100 correctly yes and then once you're in residency you still will be making like oh yeah i know so this is a long-term game here but you could live an absolutely incredible if you really could i'm in i'm in it for the long game i just i then you need then for the short game sacrifice yes if you're really in it for the long game focus on the short game which is big sacrifice right now yeah and i hammer score then we'll bring in the producers do the post show talk about some extra drama we haven't had here uh we always love doing that you guys can join that link in the description below we have a lot of extra shows and stuff it's pretty fun but spending in a budget you overspend it so zero out of ten that's it's a weird situation for family no collections for your whole situation i know so it's not a zero but it's a one out of ten it's pretty much as bad as you and your situation can get without the collections or irs that one out of ten emergency fund zero out of ten there was nothing right retirement you barely started so i'll give you a one out of ten real estate nothing zero time we only rhymed up unless i hate someone and i don't hate you so hammer financial score 0.5 out of 10.

1:15:39Make sure to join us in the post show link in the description below and check out our investing and budgeting program, which are the best on the entire internet bundled together at a 15 % discount. See y 'all in the post show. Today on the financial audit post show. My last guy that I dated, I swear to God, he was an NPC. Thanks. What? When you held his hand, he had to have his thumb on top and you would get genuinely pissed off. He would never let me pay ever that's so he could get and then he would complain about the fact that i didn't pay for anything i was just joking but never mind i guess no it's exactly what happened outside of the restaurant he wants to do it in the back of his car right there all right people need to have a little bit of patience it's crazy out there to watch the financial audit post show click the join button below