Wannabe Princess Leeches Off Everyone

0:00This 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. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. To watch episodes of Financial Audit a week earlier, check us out on YouTube.

0:33Hi, this is Ariana 31 from Corpus Christi, Texas, and this is Financial Audit. Thanks for coming over from Corpus. So what do you do for a living over there? So currently I am a personal shopper at a major Texas grocery store. Oh, I wonder what that is. Okay. And at that major Texas grocery store, personal shopper. So is that like when pickups are coming? You're going around and getting things? Yeah. So it's like the East door curbside, all that. okay so you're walking around picking up things in the basket so last year you made$25 ,386 not much at all how are you surviving? mommy wait 31 31 okay yeah that's a bit low for 31 quite a bit low for 31 so wait what did you say mommy?

1:26my mom okay at 31 how's your mom? Uh, she is 58. I look like a mom with the glasses. Those are some librarian glasses right there, aren't they? Yeah, you like them? I like yours. Thank you. Yeah. Um, okay. So, she's, how old is she again? 58. Oh, wow. Okay, actually. Yeah, no, that's good. Yeah. So, Relana, if you're a mom, what else do you do? How many hours a week are you working? so i strive for 34 hours a week um okay just because again they're like hours are erratic so i usually get less than that how long have you been working for this chain three years what were you doing before that so before that i was overseas i was you know an english teacher abroad where china really yeah so i literally came like from the pandemic you have any do you have a teaching do you have a degree in education no no degree in education but i do have my degree i have a bachelor's in political science okay did you like teaching were you ever considering being a teacher here yeah so i actually before even thinking about trying to like go into teaching i tried to sub but i did not like it at all like it was just like not for me like the culture is just completely different from like abroad to to here i mean day and night completely okay but again making 25 000 at 31 is quite rough that's like a you know entry level post college like even there you know we're looking a little low still yeah like 25 okay um what else do you do then during the week because you're barely working so yeah so where's your life so currently i'm went back to school i went back to school last semester you're back to school yes you have a bachelor's degree but you're going back okay yes we're going back to school for what now so this time it's a trade per se it's uh for stenography so to become a court reporter so the people who sit in court and type i feel like that's chat gpt in a couple years everyone thinks that but it's certainly not like why not at all why because i mean sure the government doesn't really adapt to new technology very well it takes them about 50 years but yeah well that's one thing beyond that with how quick that's moving have you seen how it's progressed in just one year yeah but it's kind of like have you seen the youtube captions is that the best argument i because they don't incorporate like chat gpt they have their own ai and yeah but even then even that within a year has gotten so much better because trust me i'm on this platform so i've seen other captions go yeah how quick it's moving punctuation is gpt 4.0 chat gpt 4.0 and the conversations you have with it and it being able to take exactly what you're saying in and have a full-on conversation with you and that's gone from chat gpt4 in what six months so what happens like by the time you're done with a with how quick this is going and it's not i'm not saying like yeah i want you to be replaced with the computer i'm not saying that i'm just like i'm just like whoa if there's a job that's gonna be replaced it's someone who's typing out words that are saying yeah but even then i mean what happens when the lights go out what happens when you know yeah i mean talking about yeah what light lights if they all completely go out dark then i can still keep working a technology can't keep working out if there's no light if all lights are going out i don't think a law is like existing i think it's gonna be anarchy so i don't know what you're typing if all lights are going out if we're in that kind of apocalypse yeah solar storm completely destroys our electronic system i don't think people are coming oh oh let me go get a person who can type out a typewriter yeah but i mean they've been saying they have a degree to do it too they've been saying that about this for a long time i mean yeah but where's the technology been like this is a well gosh i don't want to be a debbie downer i know i kind of am right now i'm just thinking of what technology is this is like we even adapted technology because when i i actually did that before going to like getting my bachelor's i went to like an early college high school so i got like credits and stuff yeah and that's where i first got introduced to this um career yeah that was over a decade ago okay yeah completely different exactly and when we first started doing it it was on paper great so you guys upgraded to the 21st century i'm very proud yeah i'm still confused how that how does that negate like where current whatever regardless i mean it is fine all i'm gonna say is i i hope you get to have the career you want and i hope it's not replaced with newer technology well i'm nervous and that's that's where i'll leave it because there's really no point of having an argument on hypotheticals Well, regardless, I mean, the actual career pays six figures.

6:48Well, it exists. Yeah. Yeah. So, hey, I can build up. What do you mean pay six figures? Yeah. Like, is that the median? No, that's the starting. Starting. One second. Yeah. One second. Let's get some glass door in here. Yeah, go for it. Spell that career. Court reporting. Oh, that's specifically what you want to do. Yes. if it's that expensive how competitive is it to get a job um it's not like there's a court every five feet yeah it's not that competitive because a lot of people don't even make it through it takes a lot of dedication like what lots of hours like what practicing i mean yeah okay well that's like everything that's like i want to see you type okay first of all the average court reporter in texas salary is 61 000 as of april 24 2024 and it ranges between 44 and 80 so i don't know what you're talking about six figures well the last okay fine you're right maybe it's just one source so let's check zip recruiter okay um 35 000 get up to about 50 okay let's try career explorer salary.com okay 58 000 no could go up to just over six figures okay so how many do we have to test until whatever hopeful thing you're getting the salary.com 45 to 82 uh court reporter average salary in austin specifically 94 it's a higher cost of living place yeah it's a higher cost of living place so that doesn't mean the entirety of texas yeah no i just saw a job before like going back to school so again one semester you saw a job posting yeah it was just you're basing that It was one year's experience.

8:33That tiny town outside of Corpus. It could have been a completely different thing where they just could not get someone. They just could not find someone. Exactly. That's how hard it is. The job market changes constantly, dude. That's not how that works. But not a lot of people go into court reporting. How many court reporters do you know? None, but I barely know anyone. Well, that sounds like your problem, not mine. I wouldn't call it a problem. I'd call it a me existing and not really caring to meet a bunch of people. I already have my friends. Thank you. So I just don't have my lover. We'll work on that one, too.

9:14Well, OK. Yeah, I don't know about that. So.

9:21OK, well, either way, like I literally looked it up for the entirety of Texas and all those salary reporting sites gave completely different information. than what you said. And all you based it off of was one job posting a couple years ago when the job market was completely different. So. Maybe. Hey, the whole network of court reporters. And again, a lot of it comes like from freelancing. The cult? What is this? Is this a fucking like specter? Yeah, I mean, there's a lot of freelancing because a lot of lawyers need, you know, court reporters. Listen, again, I'm not against it. It's just like you gave wrong information.

9:57Mm. No, you gave wrong information. I literally fact-checked you on the spot. You gave wrong information. Hey, again. You said the median salary was over six figures. It is. It can be, I guess. That's not how the median works. What the f*** are you talking about? Do you even know the word median? Yes, middle. Buddy. As a viewer of my show, you guys have seen there is a common theme among most of my guests. Their credit is absolutely death. Most of them have gotten to the point where they're living their 20s like there's no tomorrow, aka being absolutely dumb dumbs with their money. But just because you have bad credit doesn't mean you need to have it forever.

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12:59yeah median salary for personal shoppers in texas by the way 34 ,260 so even last year you made about 10 ,000 hours less than that well i just got a raise that's why so so you're making and less because i just got a raise no i'm making more you're on track to make 16 800 this year according to your most recent statement so i don't know what the people are talking about well in the summer i'm gonna girl we came in with information in the summer i'll be grinding more than during okay so three months is that gonna make up for the other nine not quite but what's a semester of school costs right now so i only take one class because i mean i obviously have like all my i have a bachelor so i don't need any other classes but the core which is for court court and i only take one class because it's per like speed level class a semester for two years yeah it's per speed level it's like five hundred dollars oh it's cheap yeah exactly so it's and i can't that's easy to cash flow i was gonna say yeah 500 i can save that in a month i mean ish let's jump into your money give yourself a score zero to ten zero being the absolute worst finances ten being the best i want to see where you self-report well before i know i want to know now now today i don't need a story free okay okay if you want your hammer financial score it's free in the description below also if you want to come on and get fact checked in real time calebhammer.com slash apply okay so you say you live on mommy but we have so much debt we're about to go in to these credit cards yes um how'd we get into this debt in the first place so the majority of it is um taking a lot of flights to britain britain yes from china from the united states the boat from both uh well the first major one was from china to the u.s flights what are you doing um well i'm trying to save the queen didn't work no not at all i was trying to save my relationship your relationship yes i had a long distance relationship that's real long distance that's ocean yeah so that story is i got with my wife um in china we were there together and then after the pandemic we both had to separate because i mean you know we each had to go to our respective countries and so then um i had to go fly over there multiple times did she ever fly here she flew here once how many times did you go there at least three okay well three flights shouldn't be what is that that's a well it depends i mean the flight during the pandemic cost of flying was so cheap i mean i'm like you'd rack up like three thousand bucks in flights maybe i'm just thinking yeah uh but of course obviously it costs money you know you stay there how long would you stay there so the first time i stayed there six months oh that's okay that's not a trip that's a yeah and then the other ones it would be like two weeks each time okay when's the last time you went i think i went sometime last year in may i believe so it sounds like you guys are not dating no we're divorced now well we're we just filed for divorce we just filed for divorce so you're going through a divorce now through this whole thing as well yes you're gonna be stenographing the divorce courtroom yeah probably someone else though not me but someone else will probably be doing that one i'm sorry to hear that i would never want anyone to go through divorce uh does she live in the united states no so you guys married cross ocean yeah a big beautiful ocean yeah i mean with the hopes we were gonna be together eventually um but that did not work out at all but it's not through anyone's fault i will say um she just developed like a chronic illness and she figured that you know with health care over there she was already taken care of and all that um under her own yeah social yeah and so she did not think it was wise to move here which i mean i don't fault her at all and so because of the lack of move we're divorcing yeah yeah probably other things but that's a major one getting married cross ocean Well, she came here to get married.

18:02We got married in Corpus. Of last year. That's everyone's European immigrating to the United States dream. The oil coast of Corpus. Stunning. For real. All right. You have a Sam's card. Yes. Must love some Sam's. I do. I just went before I came here. What were you doing at Sam's right before financial audit? I had to get lunch. Not lunch. I didn't buy anything. You went and bought lunch at Sam's? Yeah. Glizzy? No, I thought about that, though. 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.

18:50I 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. That's the cheap one. I got a pizza and it's$2.50 plus tax. For a slice though. For the slice, yeah. But it's a huge slice. It fills up the whole plate. You go to Sam's for lunch? No, just today. Not often. Why today before you know you're literally coming to talk to the one person that would say, don't do that?

19:33Where else was I? I couldn't bring a sandwich. Why? It should be like rotten. What are you talking about? Do you not own a bag? Yeah, I could have done that, I suppose. Do you not own a cooler? It's somewhere in a garage. what are we doing but why are you hey hey hey why are you laughing but 250 why are you laughing because 250 is not why are you laughing at that huh what are we doing here what was that that's gonna piss me off it's gonna it was a cringe that's gonna legitimately piss me off it's not a joke this is not a joke we can hee-haw hee-haw a couple times but this isn't a joke of conversation this is like your actual life that this is right now okay but there's in stuff in there they'll probably piss you off more so you might want to wait on it so okay whatever five thousand eight hundred ninety five dollars yes is an interest of a hundred dollars interest right to sam yep 130 dollars of purchases great after only making the minimum payment The new minimums to payment is$159.

20:50Fantastic. That's lovely. What are we doing in here? Oh, we're going. We got hot dog combo and pepperoni bull. That's hilarious. We're destroying our life. Cotton candy, grape, pickle spears? It's grapes and then pickles. Okay. That's fine, I guess. Some merchandise. You got some merchandise? Hopefully that just means clothes. like do you get clothes from sam's no i don't know no i did not then you got gas and that's obviously fine as well and you got gas there yeah i've been stopping you're in and you're getting 20 and you want to get pepperoni pizza and hot dogs and it's 20 you want to get pepperoni pizza and hot dogs for 20 no not anymore and what no no no that's not how this works that's not a get out of jail free card it's not i've sat down now i'm perfect that's not how this works why why are you going out of convenience really i mean but that's i guess it takes two seconds to make like a ramen in a in a thing that you a soup a soup in a soup thing a thermos and what convenience are you talking about there's so much convenience why just meal prepping is a convenience you work you spend a couple hours on a sunday you meal prep for a week so what are you talking about convenience what convenience laziness laziness laziness laziness when are you getting this typically what the stopping and getting the glizz like like in what situation are you going and getting it oh when i'm already going to sam's right like okay it's the exit it's the exit party yeah they got me they get me every time yeah so i'm like maybe just cancel your sam's membership you can't control yourself you don't know how to walk past the glizz machine without getting throwing it on your throat could you could you walk past the glizzy i do oh well you have a lot more self-control hardly look at me but like even i'd do it you know i didn't say that i didn't say that you did what about the rotisserie chicken get that that's already cooked and that'll be like five meals oh my four meals three meals people fight over those okay well fight back oh yeah i do i do sometimes not all the time that's probably just a better use of money what does that cost what what does that cost ten bucks no yeah seven yeah it's they you know seven bucks seven bucks that's that's uh that's half of what you spent on your hot dog combo pepperoni pizza and i can get you a couple meals yeah but you're saying i need to cut off you are you kidding me yes yeah what do you see the balance on here you remember when i said five thousand eight hundred fifty nine dollars or are you just like so that doesn't matter no it It does.

23:52Obviously, that's why I'm here. Hey, type this down and remember it. Oh, I could. I could. I have the machine to show you if you want to see it. Yeah. No, sure. I'm genuinely curious. Oh, really? Okay. Yeah. Let's see it. Let's see the future of ChatGPT. Let me type on it. Let me turn it on. I wouldn't know how to. It's a machine I've never used. How would I type on it? You need to go to school for it. new technology is coming what that doesn't mean new technology is not coming what are you talking about well here you go this is like saying because i can't play on the organ it'll never be replaced by the piano they're two different things they're two different things just like ai is its own thing this is its own thing they're two different things yeah fun fact places like to cut fences and if your median is over 100 000 hours a year they're gonna be looking to cut that but yeah what am i supposed to do here am i typing something yeah you can type these are the letters over here not that middle yeah

25:00it's really neat um i could type you a word i'll give you like an easy word so there's only you don't get every letter no you have to have like a combination of different letters to make a word but like an easy one i can write like cat and you can read that one oh great you figured dot cat uh i wait wait but you said oh well you said letters are over here but there's the letters are over here too yeah these are all right follow along with what i'm saying okay ready let's see how you get this right oh it's hard it's gonna be hard you're being really dumb by going to sam's club all the time and spending your stupid money

25:39that was behind yeah and spending all your money and spending all your money at glizzy's i can't believe you're doing this why are you spending all your money on glizzies when you have that debt and a hundred dollars of interest is accruing it doesn't really make any sense don't people talk fast in court how are you gonna be able to do this isn't that i'm just learning just learning okay so how far do we get let me see well you can't read it but oh so it gets exported into something yes we have our own like um like um you know how many words did you get one two three four five six seven eight nine ten eleven twelve thirteen fourteen fifteen sixteen seventeen eighteen well eighteen but yeah i'm just learning so i'm not gonna be as fast but we have to type up to like 300 words a minute so i think it groans like an old woman when you close it you should come to school with me we'll both learn nope discover it i swear everyone has this card on the show because it's easy to get yeah yeah it really is yeah also by the way mathematically i'm a little confused how you're saving up for that extra money when you spend like 2 ,500 a month but you bring in 1 ,500 so i feel like mama is playing a big thing in this but we have to figure that out that's 1 000 on the discover at 1 235 dollars and 76 cents minimum monthly payment of 35 purchases 424 what the you're doing okay where's your mindset on that dude where's your mindset on because obviously on both cards we've looked at they're just going up so like i know you're here to get help but like where are you right now because we're obviously just making no progress leading into the conversation well prior to this day probably i was like leaving everything to the wind you know but i do want to get serious more so now i mean i am 31 i'm just i'm currently going through a divorce you know i think next relationship i would want you know my finances to be better and you know i mean tom guys are stressing me out by the way but um yeah this is what does that have to do with the relationships though i'm so curious yeah i mean i went into debt for this relationship and i just don't want to do you not see what we just went over you're spending money on it your balances are staying the same yeah so that's what i'm talking about not why you got here in the first place we already had that part of the conversation that part of the conversation is already chaptered so what are you doing right now is spending money and not making any progress that's not because of the relationship relationship's done we've already declared yes sorry by the way about that oh no worries disappointing yeah soon potentially people with british accents are more attractive so i mean i'd be upset no but um yeah i mean yeah like i said i just don't want it to keep going to the wind you know i do want to at some point i'm asking why oh my gosh really are you kidding me right now i'm asking why you're spending the money and keeping the you're not making any progress why are you making no progress right now probably because i kind of want to keep bringing up the divorce but i you know needed to make big changes like my hair if you didn't notice well how would i know it was a change oh well how would i know that no you wouldn't know but you would know if you saw the statements or if you're gonna look through the statements we will and i do know yeah so a divorce means we have to change our hair Can't win?

29:43Everyone knows you get like a haircut anytime you break up, especially girls and bangs. And I have... I've been broken up with a lot. And my hair has changed like four times in my life. But you're a boy.

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30:31If you upload one of your bills into the app, Rocket Money will contact the company and negotiate a lower rate on your behalf. It's that easy. Rocket Money also helps you maintain a budget by tracking your spending and alerting you when you're close to exceeding your limits. This feature keeps your spending in check and supports your savings growth. So if you're ready to finally take control of your money, visit rocketmoney.com slash Caleb or click the link in the description to start your free trial. Join the millions of members who trust Rocket Money to enhance their financial well-being. okay so at this store that you work at can we not say the name of the store because it's like literally in the statements or do we need to go back and black oh yeah yeah no i guess you could say it okay yeah she works at uh what's the mascot uh like a grocery bag you don't even know your own mascot it's the grocery bag it's like h-e-b's h-e-buddy h-e-buddy yeah you're h-e-b You're HE buddy's buddy.

31:28Best buddy. Because what you actually do is you go and you just buy snacks every single day at HEB. You're in there and you're like, I can't stop. Can't walk out of. I don't think you can go inside supermarkets. Supermarkets is your weakness. You go into Glizzy Town every time you walk out of Sam's. And then you work at HEB and you can't stop and just get. What are you getting? What are you getting? Okay. My regular is. And this is. I only do it when I have a shift. um so it's literally and we know you barely have those so yeah so it's always the same thing embarrassingly enough it's like the price is different every time so that's confusing but go ahead well usually but what i really like every single time in this statement the price is different so well some of those are actual groceries like milk and bread so but what i always usually get is the like sushi i mean basically sushi all that build up to say you got sushi yeah i don't like any just i like the little rolls with like lettuce and cucumbers and stuff i don't know lettuce in a sushi roll yeah and the shrimp and they're like kind of like see through you know what i'm talking about um yeah spring rolls spring rolls okay yeah those those are my favorite so obviously you like them but they're worth keeping our cracker balance losing hundreds of interest a month across all of our debts.

32:56It's worth keeping your credit card balance spring rolls. I don't. I've tried making them at home, but they just like turn out terribly. From what we saw, I spent about 300 bucks on these shrimp spring rolls. Yeah. Reminder, you brought in 1 ,400 bucks. That's on the low end, though. When I actually get like. Well, great. That means you're on the low end because that's what you brought in. But usually I try to get like 2 ,000. Well, you failed at it because you brought in$1 ,400. What do you want me to do with that? That's what you brought in. Yeah. So$300 to spring rolls is more important than you paying off debt.

33:33More important than you getting past this divorce, this new place, graduating debt-free. Yeah. I've since stopped. No, no, no. This is your statement. This is your most recent statement. No! April. This is your most recent statement. you do not get to come on here and say i recently stopped as in you didn't do it yesterday yeah that's not stopping i need to see a month or two of stopping okay okay that's not stopping yeah again if i go on a diet for a day i'm not on a diet what else is on there spring roll spring roll spring roll regular rolls because you went to texas roadhouse 34 bucks oh yeah yeah looks like we're going we're getting out some going on new dates that's exciting apple bill listen we all need a bounce back so yes fair enough holler and heifer i have no idea what that is i love when people spend money that they don't have and they don't even know what a purchase is 15.77 it's merchandise of some kind is the category that it's in no idea go inside getting some spring rolls spring rolls apple bills and then this one's okay don't like that it's on my credit card but 75 copay for therapy i'm assuming yes so that's great but why are we putting on a credit card well because i just i was gonna use like my regular just like debit card but um yeah i mean that card has like no interest right now and it was like the like on hand yes it's interest free right now yeah until second till november but which is gonna come so quick yeah so i will transfer that to my debit card 1230 you'll transfer no like use my debit card for for the therapy yeah well it's gonna be at 30 well and that already happened and even then also your eye already stopped by the way yeah i can't believe you even said that because you to sam's club before this and got pizza so what the are you talking about you are just sitting there and you are just bull so much i traveled here from corpus christi that's a grueling three hours oh my goodness three but do you fly to england oh yeah embarrassingly no i mean again it's only embarrassing because i put myself into debts for it so and because i got a divorce well it's far ago yes and that one i'm just an authorized user so i don't even make this isn't even yours no but you're an authorized user yes oh wait whoever you're shared with is actually responsible because they pay it off that is my mother so you can yeah she is very responsible saying why are you an authorized user on there um she wanted to help me build my credit how's that going it's actually really good my credit is pretty good it's like 680 690 that's really good under 700 is really good for me it was for you yes because all the entire credit score system is based off of you yeah well i'm sorry i i am saying a lot of dickish things and like i'm a bit snappy but you just seem so delusional on so many things and it's just you're so confident in them you state these things as facts that are just wrong well they're facts that yes i stopped she did it today i the median salary for this is over a hundred thousand hours a year and it's not uh and then whatever you just said as well it's like all these things you're just so confidently saying them then i have a great credit score what are the best credit scores to ever exist below 700 okay this is great

37:32okay yeah you're gonna hate this one too oh god

37:38because i loved all them so far you're obviously not a credit card person use fizz card dude it's geared towards things student wise anyway so do that i'll take your advice on that one yeah and when your uh career gets replaced by chat gpt i'll gift you something from course careers which people can get in the description but um okay again i hope it doesn't i'm poking fun at that but also yeah i'm just thinking of like i'll call you in a few years i'll call you in a few years when i'm rolling in it when i'm rolling in it wow i left you speechless i think that's pretty rare student loans 9 000 right yes yeah payment's quite low i'm on a payment plan or is this just your normal payment yeah i'm on a payment plan they're like all consolidated what kind of school are you in right now because it could be paused because you're in school no it's not paused because you have to be no it's a well it's a community college but it can't be paused because I'm under even like part time because I'm only taking the one class I know it was really disappointing how is it just one class for a few semesters this has to be oh because you already have all your gen eds but even still even still after your gen eds there's still typically another two years of dedicated courses into a specific subject so I'm confused how yeah and for that it's per speed so you cannot go like you cannot advance unless you have a so school's going to get intense yeah even more intense so like right now are you gonna pay for that how are you gonna pay for school in the future when you're already don't tell me mom mom yeah well have you been an adult yet no okay unfortunately i mean legally you've been an adult 13 years but yeah but now she's giving me a lot of money and i owe her how much how much has she given you over how long so i think she's giving me like more than i can even that's not a number probably like over 20 000 but for what well when i first went to school she paid out of pocket for that then why do we have student loans um because it didn't cover the full amount okay helping with school that's that's different than just giving yeah and then um what money has been given given so far it's like three thousand okay yeah over the course of what i think like like three years in the time that i've been back home why are you borrowing the money what's it for some of it was for like dental because i did literally break my teeth and i had to get like how'd you break your teeth and we went out to eat to like we know you like to do that yeah wing stop and as i was eating it literally i chipped my tooth sure okay yeah and after that i had to get like what else you borrowed money for school wait is it borrowed as a gifted from your mom the other ones i think more so gifts these right now like for school that's borrowed so you're not cash flowing it she's cash flowing it some of it it's 500 a semester yeah so this last semester i paid for it i'm confused on this relationship you're saying you're surviving from her what are you actually getting from her well like free rent and stuff like i don't you live at home yes i live at home okay i mean you're in school so it's fine just 31 in our culture is just a little more you know yeah whether or not it should be looked down i don't know it's just it's it's interesting but i'm not the only one i mean my sister also lives there great and she also her life she's also going through a divorce so we're all yeah let's definitely start life off of another very successful person yeah but yeah we're all living at home so it's like kind of and she's almost 60 yes you're relying on her yes so which is again why i'm here because i do actually want to start becoming responsible yeah based on this conversation i'm a little skeptical yeah well after today how about that student loans 9 244 67 cents minimum repayment 98.50 i don't know how the You're ever going to pay those off?

42:10No, I thought that was$198. $198. Oh. If you're paying$198, that's great. And I bet that was your normal payment before anything. Either way, like 6.5 % interest rate and then another 6.5 % interest rate. These are not good rates for federal loans. No. This kind of sucks. These are like ones we'd actually want to pay off and consider this almost bad debt. And then money owed to mom$3 ,000. so we owe money 3 000 is owed to mom yes like a monthly payment like what do we know she just relationship she just accepts money whenever i um well how much have you paid back what was the total well i think it was more than that and then that's the final total so far um because some of that is actually insurance because we pay per six months um and so i think it's like not that much only like 600 of that is like insurance for per six months and again the rest honestly have no clue but i know that i just owe her those 3 000 i can't speechless i can't handle you no it's because i just read something my producer type me i guess he just left the room for a second because a surprise guest just arrived for the post show i gave him a budget so he can do fun things with the post show but you guys can sign out for in the description uh we just do extra fun things with the guest afterwards i have no idea what the f*** is happening i think this is his first time that he's gonna try something wild so you did not leave me speechless don't be too proud i just have no idea what the f*** is about to happen in like 20 minutes like i mean he's talked about like waxing my so i i'm hoping that's not today i don't think anyone out there wants to see that no so you think you're over 3 000 yes is that like an ish or is like that the number yeah i rounded up does she even know this is there a number yeah no uh i rounded up and she does the number i again i don't know exactly but i rounded up three thousand she has it in a notebook and again she writes down the dates what i gave her how do you feel i mean she's you know she's almost 60 yeah no it doesn't feel great like 59 and a half is when you can start pulling from your tax advantage retirement accounts like that's when people can start retiring you know people usually don't tell like mid 60s or 70s but yeah it's like headed towards that age you and your sister are literally living off of her taking advantage of her kindness yeah well mostly me i don't i don't want to open my sister but definitely you already did so yeah but um you you bring in like 20 000 hours a year yes but um lazy no way that that little thing is taking up another 40 hours from your week no but so you can work you can make money you're you're just around in life what are you doing you're going out partying you're hanging out with friends what are you doing neither i think i just you do something because there's a lot of time that you're doing nothing yeah there's a lot of unchecked time right now yeah like how are you managing your life what are you doing i have no idea i just i feel right i feel i just go to work you know come home and then do it all again girl you work 30 hours a week yeah you're hardly an adult you're 31 yeah you're just pulling up u-hauls to each other's houses like the meme constantly yeah no but um like i said i do want to get i want to become an adult and this is just one of the steps what what can i yeah but i can i can i can give like what i think and i can give you know my take on your situation but i can't i can't do it for you you have to do it yeah i have to do it um but look at you look at the way you're presenting yourself look at the way you're talking look at the way you're so confident in all these things incorrectly it's so bad do you feel responsible to pay this back to your mom yes fully responsible that's good yeah is that all the debt yes so your car is paid for yes the car is paid for what is it uh 2014 chevy spark how many miles 96 okay how's it doing really good yeah yeah so um and actually i paid that off 25 dollars in a checking account 25 dollars in a checking account at the time of the statement how are you surviving it's actually i take out mostly everything in cash because oh so there's endless spending that we do not see be honest be real don't with me no i try not to spend the cash where does the cash go then it is how much cash do you have right now like three hundred dollars okay so where does the cash go?

47:09I just have it sitting there. No, you have $300. So how much, where does the cash go? No, I literally. No, you have$300. So where does the cash go if we take it all out and you bring in 20 ,000 hours a year? Where does the cash go? Where does the cash go? Where does the cash go? Don't have rent. Where does the cash go? Don't have a car bill. Where does the cash go?

47:31To my minimum payments. Oh my. Your what? Your medical payments? No, to my minimum payments. Your cash. Yeah. You send them cash. No, no, no. No. So you say you take cash out of here and you only have$300 sitting aside. So what is the cash spent on? I can't even audit this because it's impossible to track. I can't even audit this. This is hardly an audit. Oh, here we go. Get ready. More. Spring roll. Spring roll. Spring roll. Venmoing out$5. Spring roll. Spring roll. Spring roll. Spring roll. Spring roll. Venmo in out$7 Spring roll, spring roll, spring roll Oh Going to a cafe Spring roll, spring roll Amy Entertainment What the fuck even is that?

48:20Keg room, some brewery Spring roll, spring roll, spring roll, spring roll Spring roll Yeah, we're addicted to the spring roll life It's kind of crazy, it's insane You work less shifts than you're getting in spring rolls So you're getting multiple spring rolls per shift ATM would draw$20 who knows where that went spring roll spring roll hair design there it is great the post divorce spring roll moon pig spring roll spring roll getting some tea wiener snitchel McDonald's yeah oh we did our hair again twice first time wasn't good enough I get my hair done about once a week what the yeah Clara is that even close to normal okay as as not a woman i needed to confirm what the fuck what the naturally really dark black hair congratulations and because right now i'm platinum blonde sure until you literally just stop being platinum blonde yeah cool um you know i i want you to be able to do what you want for your looks uh you literally aren't paying your bills and you owe your mom money and your situations make twenty thousand dollars a year i don't give a your hair color is let's just be honest but you can't budget that in not when you don't have money oh my I hope you're f***ing with me you're not I know you're not this is insane 6 to 12 weeks is like the recommended average haircut yeah but again I'm dying go bald dude just go bald I thought about that good think about it again you'll look like a little spring roll and it's your dream yeah and i love i love those spring rolls do you take here take area i can never say that spring roll spring roll bath and body works gotta smell good while we're drinking we're gonna have the whole place smelling like scents spring roll spring roll spring roll spring roll spring roll church's chicken mixing it up marshall's dairy queen spring roll spring roll Spring roll.

50:25Keg room again. We love spring roll. Taco Bell. Spring roll. Spring roll. Spring roll. Spring roll. Spring roll. Spring roll. You're wild, dude. Yeah, laugh about it. Why don't you just laugh about it? Yeah, I'm going through the end of this conversation for them at this point. Like, come on. What a joke. That pisses me off. That pisses me off. $54 in savings down from$600. So that's great. What did we do? What did we do? We literally drain it because of how this works, because of how all that works. Yeah. You know what that mathematically works out to? You've drained your savings for spring rolls.

51:04You drained your savings for spring rolls. No, the$600 went to. So my Discover card, you know, I did pay it off once with those$600. But then, you know, it's all the way back up. And why did the and guess what? And guess what? Why did we spend that money on the Discover card? Why did we spend that money on the Discover card? Why is it on there? Why is the balance up there? Oh, because you couldn't spend it from your checking account. Why couldn't you spend it from your checking account? Because you only had$25. Why do we only have$25? Because we got spring rolls every second of your life. So, yes, you drained your savings for spring rolls.

51:40It mathematically works on in the end. Done. Just a child.

51:49Take this. Take this. Take this. Take this. very spring roll episode i want to know if you like spring rolls oh i just eat regular sushi like an adult okay

52:06i'm glad spring rolls are more important than your mom's retirement to you

52:13gosh i probably look so mean but no one knows what it's like to be in this conversation this is insane all right let's bust out the crayolas this is what i need from you because i want to actually see what you think i mean to be very clear oh okay you see this box right here yes i want you to draw i'm gonna draw just for example all the way up i want you to draw whatever you think the box is for your average paycheck that we calculated based on your statements then write in the number what you think that is and then the amount that you spent at hub on spring rolls then i want your pie uh your bar chart to be correlated so if it's like if this is a hundred dollars then this would be fifty dollars does that make sense the crayolas have been broken out do that write the numbers in them i want you to self-assess assess where you think you are and fill the whole box i already drew the base of the box okay that's the base oh that's a pretty big bar how much money is that worth we'll put the 14 right for a paycheck okay yes cool and then red so red spring rolls yep correlated

53:35okay first question do you think 400 is half of 1 400 $100. No. Okay, well, that's what you drew. But the numbers, the numbers, that's what's important. Okay, so you did half the exercise. Okay. And you're in college again? Okay. Sorry, that was mean. It's supposed to be cheeky, but that was a little bit of a year. So you think it's acceptable to, first of all, spend like 30 % of your budget on spring rolls? No. In the reality of it, your actual average paycheck was$350. Oh, paycheck. Well, that's what I said. Oh, yeah. Great. So you really failed the exercise from the beginning. Great. I did.

54:25And then$300 basically rounded up is what you spent. You spend almost an entire paycheck on just spring rolls while you're at work. Throw that in your f***ing moomoo account like I do. Throw that in your f***ing moomoo account. that rose it could be like tens of thousands of dollars maybe a hundred thousand dollars per paycheck throw that in your moomo account link in the description below as always but like like i actually do and if i'm compounding that let's think of basic compound so that's 300 a month no let's let's be exact about it uh eight percent return average return in the stock market since the beginning to the end initial amount zero over the course of another 30 years 29 years get you to 60 um an addition of 269 14 a month come on dude come on 367 thousand dollars 367 thousand dollars yeah because spring rolls is more important right not anymore hopefully correct yes y 'all gotta use my favorite high yield savings account where you can get up to 4.6 percent on your money plus fdic insurance up to two million dollars you can also get up to 300 for signing up today it's the personal high yield savings account that i use for my money so don't let your money be losing money while it's just sitting there click in the link in the description below and get those bonuses this is a behavior issue i will build out your budget obviously we'll send you through our budgeting educational program but this is a behavior issue you need to sit down do your budget on a monthly basis see where you failed this last month see what you need to correct for the next month and do that every single month maybe twice a month just make sure you're on track at the beginning go through that go through that but i am going to make you a budget but let's see where your budget is for now right now again to be clear you brought in a total of 1400 bucks was your payroll yeah what did we spend you may ask what did you spend your total out was 2 ,564 so what the f*** are we doing you know debt payments net were$551.05 or 21.5 % of your spending.

56:47Housing, 8.7 % of your spending or$223.34. $135.64 or 5.3 % of your spending with the phone. That's a lot. Switch to helium for$20 a month. This is only 35. Huh? It's only 35. I have 135. Phone? Does someone have to pay you some? Oh, no. That's the internet. Oh, okay. But it's like... Transportation, 2.3 % of your spending. 7 % went to necessary food groceries potentially$178.59 Bullshit food going out to eat just absolute stupidity all that crap combined 21.1 % or$540 Almost as much as you put towards your deck congratulations Unknown shopping it's really hard to tell typically Amazon Walmart 3 % or$76.32 Medical healthcare gym$425 or 16.6 % subscriptions 0.5 % 3.4.3 or 109 dollars 53 cents went to miscellaneous bullshit all that extra crap you just do not need 9.8 or 252 dollars went to other large purchases those other large purchases were venuing out 12 bucks and atm a draw of 240 dollars which we do not know where that goes i would cut up your credit cards you're not a credit card person close your accounts i don't give a shit about your credit score it doesn't matter i already an authorized user for someone who's actually responsible yeah you're basically at 18 in your life do you have a retirement account do you have anything in there uh no okay you're basically at 18 you're 31 but you're at 18 you're you know it's just like living at home that's fine that's fine but i'm just picturing everything at 18 you're living at home you're just starting school you're going into debt yeah you make 20 000 a year running around the grocery store if like right right now again we have you like 15 000 a year based on your paycheck so no i mean it certainly feels like that even i feel like that i know that how do you feel about that not great so why have you changed nothing then how do you feel that but you do nothing about it well i mean i did do something currently like trying to go back to school so that is a start how did you decide this was the passion oh i think i've had the passion since high school but i felt pressured to like get my undergrad um and never really did anything with my undergrad and so i reignited that old passion from then and i know that's my path okay 293 dollars or sorry 292.50 is your minimum monthly debt payments do you contribute anything to rent no utilities uh yes i pay all the bills so that's average it out about let's say 600 oh so i pay light water cable uh yeah everything and that's all 600 yeah and then during the summer what's your phone bill uh 35 okay and your car insurance car insurance um against every six months so it's about 600 so 100 i can't believe i had a calculator in the calculator i've gotten dumb from this conversation gas vroom vroom drive drive how much about 80 dollars a month tp fun 100 bucks anything else you need to survive in life that can even include like books for school uh okay and groceries how does that work at home so um my mom buys most of the groceries but again anytime we need milk i'm giving you 100 bucks yeah you shouldn't need more than that gym health care what do you got oh no 75 per therapy right oh yes and that's twice a month yes now so 150 yeah before it was weekly but now we we're doing bi-weekly no subscriptions no savings that doesn't make sense otherwise purchases anything else you need to survive uh no well i'm you're chipping in a lot at home with that utility books that's actually quite expensive yeah and in the summer months it can go up to four hundred dollars for the light well one thousand four hundred fifty seven dollars and fifty cents so you're underwater and that's not surprising because you you bring in no money yeah um now you said but again that one was before my race so then i was making sixteen dollars now i'm making eighteen dollars okay so