Financial Audit - Blonde Manipulates Men Instead Of Working

Episode Date: May 6, 2024

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To watch episodes of financial audit a week earlier, check us out on YouTube. Hi, my name is Maya. I am 24 based out of San Antonio, and this is the financial audit. The financial audit of you. Okay, so what do you do for a living? I go to school. Okay. That is actually what I do for a living.

So I get a benefit called Chapter 35 from the VA. My mom is a totally disabled veteran. So I get a stipend for all the months that I'm in school, but then the months that I'm not in school, I don't get paid, which is very nerve-wracking coming up on June. Does it also fully cover, is she using any of the benefits that she's getting to pay for school, or is it just a stipend? Oh, so the stipend just goes like straight to me. But there's no, there's no extra benefit to pay for school. It doesn't, it's supposed to cover the value of tuition, but it's what I used to live on a monthly basis. Only when you're in school.

Okay. Only when I'm in school. Yeah. Because I take classes full time. So I am getting... How many credit hours? I'm doing 12 right now. But next semester...

Technically full time by one. Yeah. I'm... No, it's full time. By one credit hour, right? Barely full time. I'm thinking about taking 60 next semester. It's just...

What do you bring it on a monthly basis? 1488, I think. And that's supposed to also pay for school? Yeah, that's the right. expectation. Yeah. Okay. Yeah. What is your tuition there? What is the cost per credit hour per semester? Do you know? I don't. Yeah. I don't know the credit hour cost. You're from San Antonio, so you're in state, right? Yeah, they do in state tuition. All right. Let's see. And then you're paying in state tuition $8,945. Gosh, the auto state costs are absolutely in San Antonio. Yeah, they actually tried charging me out of state at first.

So total estimated cost of attendance per year, do you live on campus or off campus? Off campus. Okay, so total cost just for school, not including that, is about $21,000 a year, the estimated cost. Yeah. Does that sound right, though? I don't know. That seems a bit high compared to what they were saying. It is.

It's just a rough estimate because what I pay at least like for. Because what? You go to school, what, nine months of the year? So $13,000? About. You have to be taken on student loans then. Absolutely. Absolutely.

Okay. That makes much. Okay. Yeah. No. I'm taking off your own. Laughing your way into death. Yes.

It happens. We all did it. 24. What year? What semester are you in college? I'm doing my first sophomore semester. Okay. Did you take time off between college or did you fuck around?

I mean, that's okay. Yeah. I mean, that's fine. Go back to college when I'm, you want to go back to college. For some people, it doesn't make sense to go into college right away because you don't know what you're doing. Yeah.

So I'm insure community college is okay because you can take some gen eds that will apply to most degrees anyway. But what were you doing during those five years? A lot. A lot. So it's not an answer. Go ahead. Give a real answer.

Okay. So I dropped out of high school when I was 17. Sure. Wow. Yeah. I started working around like, 19 just because I yeah no what you do for two years partied I'm all partied out though I'm I'm a tired old lady now um but when I was 19 I got a job at Taco Bell and then when I was 20 21 I think I got

promoted to a manager there um when I was 20 I moved out I moved in with my long term boyfriend at the time it did not work out classic uh yeah So I moved my friend in and it's a one bedroom apartment. So this is where you're still at? No, no. Okay. So I had the bedroom. She had the living room.

It was a horrible living situation. So we parted ways after that. But it was kind of on like a bit of an emergency. So I took all my savings and I bought an RV to live out of. Let's take a moment to talk about something that affects all of us. are online security. A lot of people I've known has had personal information linked online

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Visit ORA.com slash hammer to start your two-week free trial or click the link. link in the description below. How much in savings did you have? Like, I want to say like 6,000, but I talked the RV down to 4,000. It's a 1993 Fleetwood flare. I named her Riannon. Where is it now? Uh, sold. I sold it. Okay. Yeah. For how much? Um, for 6,000. Okay, so do I have any of that money now? Okay, where'd the money go then? Living expenses. Okay. You're working 12 credit hours. I worked 12 credit hours and had a part-time job. Why don't you have a part-time job if we're blowing through savings and we're taking on student loans? I'm curious. It's for me, like I wanted my primary focus to be school. Sure. And then we also

say, okay, welcome to the reality of the world and that money needs to exist in order for us to do things. So then again, again, why don't you work at least like five hours a week? It's a multitude of things. I will say it is partially my fault where like I have a one track mind. So I'm like, okay, school and school only, I'm doing school. Because if I work like a five hour shift, then I'm like, okay, that is like all my day gone. It's just a mentality thing. Dedicate a Saturday. You're a young college student and you're just making it so that your future is better.

That's okay. You're not taking classes on a Saturday. I know you're not. You might do some homework. But more than anything. That's what all my homeworks do. Friday, Saturday, Sunday. That's what all my homeworks do.

Yeah. And I know you can wake up. up and do like a coffee shop and like early from like five to like noon or something. The issue though is that I live in college town. So it's very hard to find jobs. Oh, that's weird. Huh. I wonder if any other college students ever found jobs in where they went to school, which might be classified as college towns. I think most places where colleges are are college towns. They might be. Also, this is San Antonio where is it in the middle of nowhere or is it in San Antonio.

Is it San Antonio? Oh, San Antonio. Classic college town. Nothing else is there. It's not in the top ten. It's not in the top ten population in the United States or anything. Yeah, yeah. It's only a college town.

Okay. Yeah. I will say for a while I actually didn't have a car either. I was trying to save up money to get a car. I wanted to get a car. So never in my entire life. Will I ever, have I ever financed a car? Cool.

I will not. My dad has taught me well. We've always had boxes in the family. Apparently that did not translate to the rest of your life. Yeah. Okay. Cool. Well, my dad also has credit card problems.

So the apple does not fall far from the tree. Okay. I think the apple fell on the head and made us a little special when it came to our spending habits. Just a little bit. Just a little bit. Okay. See, what it immediately concerns me is we do have credit card debt. We're going to go through credit card debt.

We have some collections. We have some things to go through. and when we have checking accounts, we have no savings. There's just, you know, there's a lot to go through. And when I hear the,

I'm not able to at least dedicate a part of my time on Saturdays to working, student loans, sure, you're doing that. Yeah. But with your spending habits and what you're doing to do

with your money and time. Yeah. You're essentially, you're just putting your life on credit cards, dude. You're just putting your life on credit cards. You're right. You're right.

Yeah, it's. Bances on both of the cards went up. Yeah, they did. And they also, like have gone up since like since you saw. I'm glad you're able to smile at that

because it makes me want to vomit. Smiling is a stress response for me. Yes it is. Make sure you're giving her some love because I'm the one who has the permission to So give her some love. She's brave enough to come on here and if you need to get yelled to make your finances better you can apply

Calebhammer.com slash apply. So check that out. Now I got to beat you up a little because yeah no it's okay you've done some up just a little bit of just a little bit of just uh don't give yourself too much credit it's uh no pretty bad

what would you give yourself zero to 10 zero being the worst finances 10 being the best oh okay so you're a little giddier aren't you I was thinking about this uh on the drive here because I you know I was just jamming listening to music getting stuck in Austin traffic um both Austin and San Antonio were

under constant construction. So I have a lot of time to think. Yes, welcome to cities. Okay, but the answer to the question. So I was thinking, I was like, okay, how actually bad is my financial situation? Well, I've obviously seen people who are in worst financial positions who like, and this is why I yell at people. Oh, do other people have worse finances?

So mine can't be that bad. No, that's why people get yelled at because they need to know how bad it is. Yeah. Those are intense fingernails. Thank you. They are $5 press on. Okay. Yeah.

Your financial score. Financial score, I would give it... I don't want to be too nice to myself. I can't give myself too much grace. Just what is it? Three. Okay. Thank you.

It's a number. Jeez. Let's put that out of you. Quicks over. Yes. Okay. That was a mistake getting that card. You said the balance went up, so where is it at now?

I would have to check. Well, check. And I'm not going to, I need to know your finances if I'm going to help you. Hmm. Okay. So this number right here says 7,327. It is at 7,494. Why?

I should probably look why. Hey, fuck you look. Let me look. Come here. It's not good. Good. Starting the screen recording so we can put it on screen. We'll bleep out all your shit.

Okay. So this is your biggest balance card and it went up. Because in the previous month you started at 7,264. So already $200 above that. You made the minimum monthly payment sure, but then $140 of purchases when the interest accruing on it is almost $200. Yeah, it's not great. It's not great. No, I know.

And it's. So why the fuck then? Because you recognize it. I kind of girl math myself a little bit. with me. That's not, oh, why am I hearing this? Okay. First of all, that's a name from like two months ago. So what do you find about? I know, I'm so behind. Um, so I think to myself, I'm like, okay, my minimum monthly payment, which right there says 255. So I'm like, okay, I'm already making the minimum monthly payment. It's bad. Yeah. It's horrible. For someone that literally doesn't bring in

any money other than what's rewarded them through their mom service. Yeah, which I very much appreciate my mom for that. But, uh, I think to myself, I'm like, okay, so I already pay the, the minimum payment on the card. So I'm like, okay, well, if I'm paying $200 in, I can pay $200 out and buy nonsense. Tell me why that's stupid. Because it's a credit card. In my mind... No, that's not a fucking answer.

Tell me why it's stupid. Because it's real money. Credit cards are real money. So the answer is you don't know why it's stupid. Not necessarily. Okay. Then I can educate you. This is good.

If you spend $200 on a card that you only pay $200 off, what is happening on that credit card at the same time interest. Interest. Interest is accruing. So you're not keeping up with that. Yeah. Because as the interest accrues, your balance is going up if you're only putting on the money, the same amount of money that you spent.

So as the interest accrues, the balance is only going to go up, which means the interest is always going to go up and the minimum monthly payment's going to go up. And that's how you're fucking up credit cards. You can't spend on a credit card because even with minimum monthly payments, it takes forever. Minimum monthly payments on this takes literally. 24 years to pay off.

And you pay a total of $24,711. Yeah. Even if you pay an extra up to $3111 a month still takes three years and you pay a total of $11,197. So that's what happens when you go and spend in $140 on a card that's losing almost $200 in interest. Yeah. So Petco, that might be something you have to do for your pets. That's not something that I'm like, oh no. I mean, maybe you shouldn't have a pet.

maybe it doesn't make sense of your financial situation, but you already do. But on a credit card, no. Yeah. Going to this restaurant, does that make sense? Fabletics, does that make sense? Oh, Fabletics was accidental. Fabletics was accidental. So they charge, so skip the month.

What a stray Fabletics hit you? Honestly, yeah, because if I don't skip the month, then they charge me $60 and I already got a refund once. Yeah, no, it's dumb. I don't know. Why? What is that? I wanted this happened.

What is the $60 a month thing from Fabletics? Fabletics like VIP or something No, cancel that. Cancel that. I can't. I can't. Why? Like, they make it really complicated. No, cancel it. Be an adult. Hey, are you able to take tests at the school year out? Yeah. Yeah? I think you can cancel a fabletic subscription. You're right. You're right. Or call them and be like, yo. Yeah. Shut the fuck out. It's a predatory practice. Like a lot of subscriptions do it and they make it impossibly hard to cancel.

And we can either be a professional victim where we can actually take care of it. I prefer to take care of it. Even if it's hard, dedicate 10 minutes aside and take care of it. It's a fair assessment. Yeah, it is. If you can make it through your final exams, I think you can cancel subscription. Yes, they make it hard. It's on purpose. Doesn't mean you can't. Yeah. Doesn't mean it might not take a little extra time, but you put that extra time towards it. Yeah. Interest charge on purchases. Again, a salon. You're going to do your hair. That's fine. Oh, it was for my eyebrows. I don't, I don't do anything to my hair. To me like that. This is the first time I've done my eyebrows in like,

Did you do? I mean, I got them waxed. Like, you can't tell because like natural eyebrows are so in, but they were like, so in. Okay. I guess I don't follow the eyebrow market, but why don't you just take like I do and go no, because I can't, I can't finesse it like they can't.

What do you mean? All you take is like the little thing and you go, and that's it. I used to like. Like I'm pretty sure the instructions on the boxes go. Go. Blu, I also, I mean, like getting like an electric ray. is a little more expensive as a single purchase when I can just spend 20 bucks every two weeks.

That's sensible. No, that's the stupidest thing I've ever heard. You winked at the camera like a dumb. So I'm hoping you're joking. I'm absolutely joking. No, it's really stupid. Okay, that was hilarious. So what I need you to do is to go to the store and literally get one for like 30 bucks.

All you have to do is to shave the unibrow part and then put the little niblet on there and just run it over there, running over there and then just clean it out. Look, do I have ugly eyebrows? Are these hideous? Are these the end of the world worst? No comment. Are they that bad? Absolutely no comment.

Brandon, zoom in on these eyebrows for quick. I have no comment. I'll let you all be the judge of these eyebrows, but these are, I just do the and I think it works just fine. I haven't even even in a few days. I mean, I want them sharp, you know? It lasts a couple weeks and like they say go every two weeks. And I wouldn't have been able to tell.

I wouldn't have been able to tell. You'd be completely honest. Doesn't mean they look bad. It's not, but I wouldn't be able to tell. And you're spending $25 on that? 20. Well, $25 tip is required. So $25.

That's how math works. 20 plus five. Yeah. 25. Okay. And you're doing that every other week? No, so this is the first time that I did it in like over a year. But you just went to the camera like the dumb.

Because I wanted to start doing it like more often because I, I'm, I'm a little vain. I like to, you know, doll up a little bit. Yeah. You can't afford it. So stop. Okay. I'm glad we solved that issue because, I mean, that's a pretty simple choice.

Yeah. I mean, you can either afford things or you can't and you're having interest to accrue on a card that you are literally just bringing up $200 every single month and it's going to get closer and closer to that 10,000 hour max. Then what are you even studying in school? Neuroscience, pre-med. Okay. So you'll make money, but you're going to go and do a lot of that before you make it. Yeah. So does building up a $10,000 credit card really makes sense?

How are you going to be paying on that through medical school when there's absolutely, zero time for you to go get another job. How does that make sense? How are you going to take care of this? Where does that make sense? We're just going to let it go into collections and fuck up your credit all the way through medical school and then fuck up any potential of getting any kind of credit after medical school.

What's your plan with that? How does that make sense? Walk me through the mental equation that you are assigning this whole operation going through medical school while building up a $10,000 credit card balance and building up a credit card balance on another thing and allowing other things to go into collections. What were you possibly going to do? Walk me through it. I don't know.

I didn't really. There it is. I don't know. So you're not thinking, you're not being an adult. You're not being mature. No, I have like no future site. I'm going to be honest. Like I never planned for the future for anything.

So a lot of what I got on my credit card. Also, I feel like this is worth mentioning. A lot of my credit card was actually to living expenses for a while. There was a time where I was like genuinely unable to get a job. Why? Can't say. Can you allude? I just wasn't allowed.

Like, food. physically not allowed to go get a job before this time. Okay. Until when? Until I moved into my apartment. Okay, so X would not let you work. Huh? X would not let you work. Well, sorry.

We don't need to talk. Yeah. If you don't want to talk about, we don't need to talk about. Yeah. Okay. I mean, I'm just having to. But I did get a job when I got my apartment. So I got my apartment.

Okay, well, it's a little convoluted. So I got my apartment in March of last year. It's a super crappy four bedroom, four roommate apartment. I love my roommates. They're great. But we have some issues sometimes. It's okay. They're lovely girls.

But yeah, crappy four bedroom apartment. And for that time, I didn't have a job. And in April of last year is when I sold the RV for $6,000, you're going to bully me. Why didn't you have a job during that time? Because I was in classes. That's a bad excuse. I know how many college students? Every college student I went to school with those working.

Are you special or unique in the fact that you don't have to work? Do you have two different eye colors? No. It's just the look. I was going to say you're unique in that, but not unique. Okay. This is the lighty. Yeah.

But everyone else works. Well, are you special? I. Now, don't get me wrong. When you're in medical school, that's a completely different thing. Yeah, no, 100%. Yeah. Yeah.

That's going to be basically impossible to work in. Yeah. But, I mean, come on dude you're an undergrad i have no excuse that correct point blank i have no excuse correct i mean i was using my stipend as an excuse but that's not enough why you keep saying stipend stippant stippant i don't know i know it's just i've never heard that no i i heard it as stippant when somebody told me about it i was like oh okay stipend that's the correct way to pronounce it there you go that's proper american so the uh i'll obviously excuse a situation

that we don't need to go into beforehand because they're just taking your word on that fine yeah then you moved out and then you weren't working and you're putting your debt you're putting your living expense on debt i was putting my living expense on you're you're still doing that though the stipend if that makes sense i was using the stipend so how are you paying for school then student loans student loans yeah okay so what it's different now uh uh fine not much uh huh yeah uh huh you're given like a golden opportunity because you're your mom sacrificed and you throw it away without your bold. I, yeah.

Yeah. Your habits, your misbehavior. Well, how's what I put it? And then you, you, the not looking to the future.

I mean, this is, yeah, this is immaturity as, as it gets. Like, I just need you to like sit down the journal once a month and just be like, what are my goals?

What am I trying to do? Yeah. What does it take to get there? Literally for like an hour once a month, Like that's such a minimal sacrifice. You never think about the future? No. No.

Really? So why do you even want to, see, that terrifies me for someone who's thinking to go to med school. How are you going to go? Why are you going to med school if you've never thought about your future? Because that's a beyond massive equipment. So I wanted to go to college because I was actually under this notion that my benefit would cover college. And that's what my mom had told me. And that wasn't the case.

But I was already like enrolled in classes. I was like, oh, I might as well do it. Just go to college. Everybody gets student loans as whatever. She also received money from other people, right? Huh? He also received money from other people, right? Only recently.

Like, I'm going now. Yeah. Like what? I'm getting help. A close friend of mine is kind of helping me financially with, like, groceries and stuff because I just, I cannot afford it right now. And they make more money than me. It is, like, honestly, genuinely really kind of them.

and I'm, you know, just... But you're refusing to work. Doesn't that feel a little selfish? I'm not... It does feel a little selfish. It's not that I was outwardly refusing to work, though. So I worked over the summer. I worked at Six Flags.

I mean, I would... I'd be, like, throwing this table over if you're not working in the summer when you're done at school. So, you're done in school. So I mean, damn right. I worked at Six Flags. I passed out multiple times on the job.

is not a fun place to work. Where you're not drinking water? They wouldn't let me. Yeah, like I would go run to get water and they're like, no, you have to like do your job. Okay, so obviously a different job is what we would look for in that situation. So then in... I mean, people in your situation in the service-based industry is still,

that's like the, that's the job market that's never caught up. Yeah. I also, in October, I got a seasonal job at Lush. And I worked there from mid-October to when they let me go in January. It was just a contract hire. So it was just a seasonal job. And I decided that I didn't want to look for another job because I thought, you know, oh, I can live on my stipend and just pay attention to classes because my workload for

this semester has been atrocious. I've not had a workload this heavy in all the semesters that I've been in school. So that was part of my motivation for not getting work. It's a little selfish. I just wanted to laser focus on school. Unless it's a dangerous place to work, as long as you're not spending money there. I was a little bit. See, there it is.

Why? See, that's what I knew. It's such an easy place to just pick up something on the way out. Why are you spending money there? They're supposed to give you money, not you them. Yeah, yeah. I don't know. I don't have a good answer for that.

I see stuff and I'm like it looks nice. It smells good. I might use it. I need you to sit down once a month and just journal out your goals and what you're trying to do. How do you know you want to go to medical school? So I wanted to go to medical school. Just honestly a little bit out of spite. No, hold on.

Hold on. It's a terrible. My sister, she has some issues. I won't like go into it, but she has been failed by neurologist. She's been failed by the neurologist. entire like medical system. Okay. And so my motivation is to become a better doctor.

And like I know. It's a good motivation. Yeah. So you do have some goal. I mean, you have something you've looked out to. That's a good motivation. Is that like a career? Obviously that's something you want to be, but is that a career path that you want to

do on a day to day basis? So when I was, when I was younger, when I was like a kid, I really wanted to like go into medical anyway. Okay. But I have some future looking, so don't tell me you can't do that. And TikTok shop $18 on a car. Okay. That's so bad.

Yeah, I can explain. Yeah. I didn't think that that was on there. All right. Go ahead. I see stuff on TikTok and I'm like, that looks like a good product to purchase. Okay. You need to delete that.

I want to. I want to. I put a 30 minute timer on it because I spend so much time on there. Just delete it. Yeah, how am I supposed to send my friend's memes? Google new memes. I don't know. Google like funny cat video just several times a day.

It won't like obliterate your like, you know, ADD or whatever. Like it's not going to. I mean, yeah, no. Yeah, exactly. I mean, I've, it, it was interesting. It took me a while, but I was, like, just for a creator, like, the app Reddit is not a good place for a creator to be typically. So bad. Because every subreddit for a creator turns into like an anti-place.

And I know the vast majority still mean well. It's just the credit karma. Oh, yeah. Credit system rewards behavior that's not good for creators. And I treat up to least. the app. And that was hard to do because I wanted to be engaged with the community. But I deleted it because I knew it was bad for my mental health. Just like this is bad for your mental health. And I put systems around me. I mean, there's like there's good moderators there

and everything and they created good rules. And I haven't other than a couple like slip ups where I had on like my browser like this last weekend, I took a look and I made one comment naughty bad. But like I started to have deleted the app. And that's just me taking the mature choice of like this is bad for me. for my mental health on a daily basis, so I deleted it. It sucks because I liked certain things about it. And you like certain things about that, but it's bad for your mental health. So it's just doing the adult choice to just delete it. It's like we can't be spending a TikTok stupid shop when we're building a credit card balance

and you have zero income from any work you do. And I don't know what the fuck is going to happen in three years when you go to medical school and borrow $3,000 a year and have no way to bring in any money whatsoever. Is this stipend going to be going to you forever for no matter what for however long? Or like, how is that working? 36 months that I'm in school. So I haven't counted so far. And I haven't done the math on that.

But I'm like, oh, 36 months, yes. Yeah. So what are you going to do, your fourth year, your fourth semester, eighth and ninth semester? All right. One, two, three, four, five, six. Seven and eighth semester. Work? I mean, I, it.

But you're not now. I know. Okay. Okay. And then Spirit Airlines. Where the fuck are you going? I want... Oh, you can't afford anywhere.

Where are you going? I went home to visit my family. Oh, okay. Well, that's okay. Where's home? San Diego. So they're not in San Antonio? My mom is in San Antonio.

My dad is in San Diego. And he wouldn't pay for his college kid. No, so here's... That's okay. It's kind of the sitch. So... Oh, geez. Okay.

My parents divorced when I was, like, really little. Okay. My mom took off for... Texas in 2011. My dad already had custody. So my dad raised me and my sister alone. Um, so I, you know, grew up with my dad. And then when I was living in the RV, when I was having that issue, um, I reached out to my mom because I was thinking like, okay, maybe, maybe my mom will help me take me in. And she did. Um, she helped me out for a while. But my dad is also like super duper poor. So he's not going to be able to afford like helping me come home. Yeah. Which is fine. Um, I've actually

had to help him out a couple times and throw him a bone a few times. He's asked me for money. Buddy, you spend $300 more than you bring it on a monthly basis. Yeah. I don't know how you're sending any bone. Yeah. Amazon, uh, stopping at some kiosk, doesn't make any sense. Oh, another TikTok shop. Great. $22. Delete that app. I know. I know. It's worth. 30% interest on on here on the 7,4.30. I thought it was 25%. You are incorrect. Oh. It is 30%. probably was at 25 at some point then the rate went up. I mean, rates went up last year. I only have two credit cards, which I mean

like is better than some people I've seen. You have no fucking income. And your credit card balance is up to $8,000 with both of these combined. And you have things in collections. See, that's what makes me yell. People wonder why I go so hard into people. It's because so many people come here, they sit here even though they've seen this show before, even though you know what's happening.

And you sit there and you're like, it's not that bad. It's bad. Just because someone has worse debt or a worse situation, just because someone's injecting a needle under a bridge, doesn't mean your situation is not bad. Okay? Yeah.

So that's why I yell and dig into it because I need you to know how bad this is. Because if you don't know how bad it is, what motivation are you going to have to change anything? Yeah. What's the balance on here? You said they both went up. So what's the balance on here? I didn't think it went up that much.

You f***. Creatures. That's not funny. It is not funny. Shut the fuck up. It's a stress response. Okay. Yeah. Okay. It's like, okay. It's not great. No. It's a response that I always say. That's my stress response. Yeah. Just rolls off my tongue. Yeah, it's easy to say. It's fun to say. $448.87 up from $408. Available credit, $51. Just kill me now. Ruin my entire life. Death. The minimum monthly payment. of 25,

uh, yep, 25 bucks. Yeah. Don't know how you're, that one I used to pay off in full. You are not a credit card person. Girl,

no, not at all. Not at all. I should not have them. No, not in the slightest. I'm glad you figured that. Yeah. Okay.

Yeah, you did it. I, you solved the solution, starting on screen recording. Uh, if you're going to use a card, you use the FIS card because it's at least geared towards

college students and it's more of a charge card. So I never actually heard that. Okay. I'll get you set up with it. You want you. channel. Okay, whatever. All right. Interest being charged. $12.32 there. Again, purchases more than the minimum monthly payment.

Oh, fuck. Just fucking TikTok shop, $25. Wait, I spent it on that card? I didn't even know that I spent it on that card. I could see like death in your eyes. If your eyes could shoot lasers, they would. Yeah, it's because you're fearing your entire life. It's like I care about your life more than you doing. It destroys me. I'm just kind of...

Five below Amazon. Laughing it off. Yeah. Unfortunately, laughter doesn't pay off debt. No, it doesn't, but, you know, it might make me feel better about myself. I don't need you to feel better, though. I need you to pay this off. Yeah.

This isn't a feel-good, happy-time telitubby show, dude. Not at all. This is like, get your life together, fix it because you live in the real world. Unfortunately, for me. Fortunately for everyone, but the rest of us, we actually grow up and learn how to deal with it. Yeah. Wait a second. Wait a fucking second. Yes.

Brandon, play the thing she said about the car at the beginning of the episode. Never in my entire life. Will I ever, have I ever financed a car? Okay. So you said, hold on, hold on. So you owe your family for cars instead. Not my family, but somebody very, very close to me. So you owe other humans for money instead.

So you do borrow for cars. So what the fuck? What the fuck did you tell me at the beginning? Because that was some stupid. The title is in my name and I am paying them off. Like I am trying to collect enough money to just do it all in one go. It's a $3,000. But you owe it to someone else.

I only owe it to a car. I only owe them $2,000. That is too. That is money. That is money. You spend $300 more than you bring it on a monthly basis. and you owe someone $2,000, you say you never borrow money for a car. That is owing someone money and you don't have any net money left over at the end of the month.

So how are you paying that many money? Also, this says $3,000. So why is it $1,000? Why would you give us a different number? Because I already paid $1,000. How? When? How from what money?

Tax return. Oh. Yeah. It is my tax return. I also paid, I'm pretty sure I paid like, hold on. No, it's about $1,000. is what I paid on it. It's not a finance.

I'm not financing it. You did through an individual. Through somebody else, yeah. But not through a bank. I would never finance through a bank. That's what I meant. So I stand by when I say I would never finance through a bank. Yeah.

Like what saddle are you on top of right now? What are you talking about? Still financing? You're right. You're right. What is the car? What is the car? It is a 2007 BMW 328X speed.

I love that car. to bits and pieces. It's actually worth more than what I paid for. So is a good car. It is worth. I think I looked on like Kelly Blue Book. It was like $5,000. Know what types to me.

It's pretty shit. A little sticker on the car that says a box permit. I mean, I drive it pretty fast on the 10. Stick your head out the window and let that tear off the eyebrow hairs. Oh my gosh. I think I've gotten it up to... How many miles is on it? Ooh, 169,000?

It's not horrible, because most of the cars that I've had are like 200,000 plus. So, like, but the first car that I had was a Honda. Second car was a Toyota. So I think those are in different ballparks because Hondas and Toyotas will outlive everyone. How's the condition of the car? Oh, that's fine. Okay, no damage. No?

Okay. We're checking the value of it. Okay. It's a good car. I stand by it. I will say that when I first got, you're going to get so mad. When I first got the car, the front differential started crapping out on it. I don't know what that is.

The front differential. It, um, I believe it like, oh, I can't remember what the front diff does. But if the front differential gets torn apart, it will tear apart the entire transmission. So I caught it in time. Well, what happened was the guy that owned the car before me loaned it to his brother. I was a choice to turn independently? I guess so. Of one another.

Okay. Yeah, something like that. But the guy who owned the car, he let his brother borrow the car for a long time. He was going to sell it to his brother, and then his brother just backed out immediately. Like, I guess like he got another car backed out. He also took the tires with him. So you owe money to a friend. I do, yeah.

And there's no like minimum monthly payment negotiation or anything? There is. But, like, we're still kind of like ironing it out. How long has this been? When did you get this car? What the fuck I'm talking about? December? How are you ironing it out more than a quarter later? Come on, dude. We're almost done in the first month of the second quarter of the year. I haven't, yeah, I just, I haven't, how are you still

ironing it out? You know, it's a fantastic question. Lack and maturity, yeah, most likely. Because that's been an ongoing thing in this conversation so far. Yeah, that's in good condition. I would say the seats aren't ripped, didn't smell like cigarettes. I mean, the front diff started to kill itself, but I caught it in time. I got it towed and I got it fixed. How much of that cost? my friend helped pay for it so I'm actually not aware of the full number it's your friend who this friend just gives you everything you're right I'm very undeserving are they like in love with you yeah there is no comment okay first of all uh give me a private sale no the trading value i want to get private private sale oh I would never trade in a car but I don't mess with dealerships at

all. Craigslist Facebook marketplace, that's where you get a vehicle when you were dirt poor. I stand by that. I think everybody should get Craigslist cars. Okay. Yeah, about $4,000. That's the value.

Hey, I got it for $3,000. That's still, you know, net positive. I hope it lasts, too. Almost 200,000 miles. Oh, knock on wood, please. V&W. No. Can we try to get Taylor to drive?

No. I don't want to. What? I was going to say I could like drive around because it's fun to drive. It's loud. It has a cat delete. Which yeah, the car has a, it has no catalytic converter. Yeah, it's got a cat delete.

It's a good car. You keep saying that. People think it's noisy, but obviously because of the cat delete. Why don't you get one? It's not required. Why is it everyone else's responsibility to listen to you drive a piece of shit? It's like one of the most annoying things when you're sitting in your own silence and someone's like, hey, I'm more important than the rest of the world around me. Let me do my loud.

Those Honda Civics at 3 a.m. Everyone knows those types of Honda Civics. They're like the sh** boxes, but they're super loud. So is yours. So is my Beamer. Yeah. Okay. I don't, I like having a loud car.

Yeah. But that's dushy to everyone else around you. It's like some people just want to exist. Yeah. Without hearing. B. Yeah, yeah, that's fair. I mean, I at least don't drive like super late at night.

Are your student loans? Because I don't have them here. Oh, how much have you borrowed? No, Ed Financial. Those are my student loans. Oh, I just don't have the statements, though, but. Yeah, I don't, I didn't know where to find that. Guys, we're doing some really cool things right now, making some extra shows that I think you should check out.

We're making a weekly new show where we recap financial, economic, and business news from that week. It's called Your Week in the Money. We also have a financial education show called Money Makes Sense. And if you want to stick to those financial audits, we have weekly follow-ups. So check out these awesome three channels linked in the description below. It doesn't matter. It's not like you're being made to pay right now anyway. Yeah, yeah.

Or their interest is occurring. It doesn't exist because I don't have to do it yet is what my brain thinks. Which is great for someone who's going to borrow hundreds of thousands of dollars to go to medical school. Yeah. Great. Yeah, you're right. Okay. One, oh, no, 15, 232 so far.

Gosh, and you get a stifference. That's insane. At this rate, you're in the first semester, second semester of your sophomore, right? I'm in the first semester, my sophomore. So it's my third semester right now. Get that rate with eight semesters, dude. You're leaving with $40,618 for someone who's getting essentially a scholarship if you think about it like that. You're being, you're being a complete dumb. Yeah. You're throwing away so much. You're throwing away your entire life. You're throwing away your entire financial life. And why would you do more semesters? Because I did 12 credit hours.

Because I did 12 credit hours. They expect like 15 or not 15. Well, 15, 16 credit hours per semester. So. How did you take a summer semester? Um, I just, I wanted to work over the summer. Just. I wanted to use the summer to like, I mean, I would love you too as well, but just work throughout, dude.

Yeah. More hours in the summer. Absolutely. But I also, I didn't, I, um, I didn't sign up for a summer Fafsa and like meet that deadline. So I just, I was like, whatever. You are getting the blessing of a lifetime and you're just throwing it away. You're right. You're right. Because you're not even fully using it for your living expenses.

Your living expenses, your credit card balances are going up because you want to get. How many discounts does USAA auto insurance offer? Too many to say here. Multi-vehicle discount. Safe driver discount. New vehicle discount. Storage discount. How many discounts will you stack up? Tap the banner or visit usa.com slash auto discounts. Restrictions apply.

TikTok shop bullshit. Stupidity. Dumb. You're right. You're right. I know I'm right. So I have this. reputable show.

It's a good show. Thank you. Sucking up is not going to help. No, I'm not trying to suck up. You have collections? I do. It was from a medical situation. Progressive?

Oh, management. Yeah. So both of these were from medical? Yeah. Can I ask what happened? I mean, it's a little dark, but I'm not afraid to say it. Well, it's up to you. I tried to kill myself.

That is dark. Yeah. I... Don't do that. Yeah. I drank like half a bottle of vodka and I took half a bottle of ibuprofen, walked two miles down the road to the police station because I started to regret what I did. I walked to the police station. And they weren't open and I called the suicide hotline and they like they did a merch call with 9-1-1.

So they called an ambulance. They gave me the charcoal, which tastes interesting. Is that to like throw up or something? No, it's to kind of like buffer the poison, basically. Like it absorbs poison and it makes it easier to pass through your body. So I went to the hospital. They had to like hook me up to like EKGs and stuff. It was a whole thing.

It was a lot. And then I got put in a 5150 hole. for two days because they just determined that I had the big sad and not like not a danger to myself or others this was this was March of 2022 okay two years ago yeah I'm very sad that happened I'm very glad you're with us here today that's I mean that's that's a big important thing that you took the actions necessary after you went through the attempt and sought help and how is your mental health been it's it's been improved Are you seeing a therapist?

I'm seeing a psychiatrist. Okay, cool. So I take antidepressants now. Is it helping? We stand Prozac. Oh, it's helping a lot. It is actually like totally improved my quality of life. Yeah, whatever helps anyone.

Yeah. Because my, after that had happened, like my anxiety just like skyrocketed. Like it was uncontrollable. There were days where I couldn't get out of bed. I couldn't leave the house because I was so anxious. Sure. Like I would have panic attacks getting into my car. I would have panic attacks getting out of the door.

And it really like hit like a super high point actually over last summer. And that's kind of partially why I didn't have a job for most of the summer is because I was so anxious that I couldn't get out of bed. That's a real thing. Yeah. That's also where my RV sale money went. So it went to the medical bills? To my living expenses. Right.

So I had $6,000 from selling the RV. I was just curled up in bed all the time. How were you doing school though? I was actually doing really well in school. Was it online only? So for the spring semester of last year, it was in person. So how were you able to do that? How were you able to do the spring semester?

With like you're not being able to go outside. So I wasn't like as anxious. So it's kind of like up and down. It's kind of oscillated a little bit. Sure. So the excitement of being able to go to. school kind of curbed my anxiety a little bit and I was able to do well in my classes and you know go to school on campus. And then in May I started having this particular medical issue that they refused to assess,

which is also why I have so many medical bills. Okay. And I know you have something that we need to go through. I do. Okay, well, as someone who has a panic disorder and, you know, very anxious, I have panic attacks, I very much relate. And, you know, I've had dark thoughts as well when I'm in my, like, worst panic situation. So I totally relate. And I'm very happy you're with us today. And I'm happy you took the steps necessary. And I'm happy you're seeing a mental health professional on that.

So that's really good. Let's change the mood by going and taking a look at the car that's going to last for like five more miles before it dies. What? Hey, don't wish that on me. Don't wish that on me. Not wish that on me. I'm speaking reality. Let's look.

All right. I have some stuff in the front seat. My car's dirty. No, it's Taco Bell. The silver beamer. Behold, my beautiful box. It's got a little sticker here. This is take it easy cowboy. And then it's got a little sticker here.

This is tell your cat I said, and then it has a sticker in the front that says shi-furt. Well, if she calls it a shi-box, she already knows. Right over here. Well, listen, it's fine. I just, I just, the thing I don't like is that you're like, I never borrow money for cars, so...

No, I said I don't finance. You did. Finan- You did. You did. I have absolutely nothing against this by any means. I just don't like that you lied about financing it. Asking you right now to pay it off. Just...

The friend that has a crush on you and desperately wants to... Ask me to pay it off as soon as I... Okay. Is most of... Wait, should I move these on it? Yes. Okay. And then bring the mic to your face again.

Mm-hmm. Check, check, check. okay so two collections two thousand three hundred thirteen dollars and one thousand eight hundred ninety dollars and then your friend do you owe the friend any more money so they're paying for your groceries their awful also did this and then you also had sugar dandies correct i did this was this was like way in the past i will say that's way in the past i would say like about like a year and a half two years ago is this when that happened so kind of coincides with when I was homeless.

Wow, okay. It was a means to an end. Wait, is the homeless when you're talking in the RV, you think? Oh, okay. Yeah. So I had, I went and like started trying to get sugar daddies because, you know, finances were bad. How do you find them?

This is a website. it's like a like rich daddy no love.com something like that yeah um so so how does it work

they like send you it for like boobbies it's kind of like a dating app um you meet up with them you you go on a date and yeah yeah um and it goes further

depending okay yeah um I did you I'm glad were you uncomfortable with that what like that because I guess it can be seen as like a form of run

it can yeah I know where you come are you were you uncomfortable with that a little bit glad you stopped that's all I'm saying I wouldn't want you to be in a situation that's dangerous I did it um honestly I did it for my cat and I know that's like really dumb but I would go to the ends of the earth for my baby and I knew that our living situation that we had he was in the RV with me your daddy stuff for the cat yeah oh okay I thought you meant you stopped for the can. I'm like, no, not at all, not at all. I did it for him. I wanted to make sure that like he still had, you know, food and water and that our RV was in good running condition because when I had the RV a lot of being in the RV,

it was cheaper than rent, but not by much. Sure. Because. Manas and insurance and gas and breakdowns. Yeah, no, I actually, I did a lot of repairs myself. I had to jerry rig the generator many times. I replaced the carburetor on it and all that. That's in the past. So you're not doing the sugar daddy stuff anymore. No.

Okay. But your friends sending you money and this is just the kindness of the heart? No expectation? Yeah. No, they're just like this. They've done this for other people too, like other close friends. Like I... Are they enabling you?

I would potentially say yes because you're not working. I do feel like it's enabling. Well, it is because you're spending money. money on both. Like I have your percentages. Your percentages are You're right. It is an ablement and I would like to tell your friend that to be completely honest because I don't think you're learning any lessons or instructing any good behavior. So yeah you're right. You're right. You have medical bills? Unknown medical bills. So first. It's like Caleb Springer first. Are you

kidding? Glad you're able to laugh your way through it. Yeah. Yeah. Well please tell me some of these is just the same, but sent out. So I actually had to go to the hospital multiple times last year. I didn't have insurance because Texas state insurance is bad. I couldn't get state insurance. Well, what about like your, through your mom and stuff? Uh, no, I don't get that. No, I was actually dropped from healthcare with my dad when I was 18. I had, I got my own health care, which is like, that's not. But why? He wanted me to be independent. Oh, he wanted it. Because I was going to say, with the affordable health care, you can do it through 26. Yeah, no. And it.

It would be free. It would have been free. But. Yeah, for you. Yeah. I don't know why he dropped me. He just dropped me. He was like, oh, I can't do it anymore.

I won't ask. So I'm opening these? Yeah. Okay. It's going to be so bad. But I'll explain. So what were the medical things? What was happening?

So I get this random scorching, searing pain in my right side. And when you think of horrible pain in your right side, you think it might be my appendix exploding. Sure. So I went to the hospital for that. I got a CT scan. They said that I had inflammation. And they just sent me home because I didn't have any insurance. $259 in this one.

Continue. Pain happened again and again and again. And if it got to a certain threshold, I would go to the emergency room because I didn't want to die. Yeah. Probably not. Yeah, it's not preferable. I already tried it once. Ooh, that's a bad joke.

I like a good doctor But But I'm also focused on package opening Yeah This one doesn't have a number So let's see No I think it should

But No this one's just like Hey thanks for being Thanks for using us Thanks for being a customer Because hospitals are businesses Some are non-profit Some are businesses

But they do have to pay their employees I know It's just It's more of a systemic issue In general Just you know Like That people have to pay

so much for health care. It is very expensive. And, you know, like other developed countries have universal health care. We're just very behind. But they also use our medications and their health care isn't as good a lot of the times. Well, yes, it is more affordable for the average person. It gets very complicated. When people try to say, oh, this one's better and this one's better for this reason and this reason, it's just way too simple. It's a beyond complicated thing that people water down irresponsibility, irresponsibly to just get across a place. And it's just get across a point that doesn't make any sense. Yeah.

Well, I mean... $353 on that one. My stance is just because like I'm somebody who's not had like fantastically good health. So I'm like... Trust me. I think... Wouldn't it be great if it was covered by the taxes that I already pay? Oh, you barely pay any taxes.

But of course, I would also say that someone that I like... Someone that can't afford like literally cannot. Yeah. Yes, obviously. But that's why also you're supposed to be able to stay on your parents' health insurance through 26, but also there is the fact that you also do not work. So there are some life choices. Yeah.

So there's a lot of, again, this becomes much more complex. Yep. I'm not saying you shouldn't receive any help for your situation, but. It's a whole lot of nuance to the conversation. People try to oversimplify it immediately saying, healthcare is free in other countries. Health care is too expensive in this country. You're right. You're right.

It's way more complicated. Yeah. $585 on this one. Ooh. So what ended up happening in the medical? So because I didn't have insurance. It was just kind of like waiting till I'm in horrible, awful pain again and then see if something's wrong with me. Blood work looks fine. Everything looks fine. And there's this kind of joke with people who have a lot of medical conditions. It's like, well, your labs look good. I don't understand what's wrong with you, which is exactly the treatment that I get. 90 dollars on this one. So I finally got insurance, but it's very, very expensive. That's actually where my grocery budget is going is to pay for this insurance. It's almost $400. But I've seen. again, you're spending.

Yeah. Like, you're spending just about that much on bullshit as well. No, you're right. You're right. That's where all my bullshit money went. If all the money that you were going was literally on health care necessities,

you have my full sympathy and you have me, like, giving you a hug and being sad with you. Yeah. But then there's your behavior. Still buying bullshit. Yeah. And racking up your debt even further for TikTok and eyebrows. So come. I have poor impulse control.

Yes. Yeah. It was like I'm aware of the problem. Well, no, that's actually kind of worse Because you're already aware, but you haven't done anything to change it And that's worse than me making you aware of your problem And then you then take actions to change it You're already aware but you haven't done anything which is worse

Yeah, yeah, no, that's a good point And this one of the same things where it's like, hey Also, there is kind of a good story to you know The health care thing So I am paying a lot for insurance But I finally got a GI referral So they can start to figure out what's wrong with me It yeah, no, it hurts sitting here right now.

I'm in pain, but I mean... Running ibuprofen or anything? I can't take ibuprofen. It's my Prozac. Oh, okay. Tylenol? I can take Tylenol, but I just, I don't take pain medications. I just kind of thug it out.

Okay. Yeah, it doesn't bother me too much if I'm used to it. That's interesting. Yeah, no, it can cause up her GI bleed. That might be the same one. 985 on this one. Yes, that is one of the same ones. Yeah.

So we don't need to write that one down. Well, we're still going. So we've made it halfway. through. Oh. I miss heard you and I was like, 900. Yeah, it's 900. By the way, that talk on the health insurance conversation wasn't a political talk in any way. I just am one of those annoying motherfuckers who plays devil's advocate on everything. So even if you said like American health care is great, I'd play the devil's advocate on the other side. And if you said, and then if you said it's absolutely terrible. I played devil's advocate on the other side. Yeah. No, that makes

sense. I'm just that annoying motherfuck that everyone hates. There's a lot of nuance to the conversation for sure. God, there's so many. I've been, I've been collecting these and putting them in my dresser because I don't want to look at them. Yeah, that makes them go away. Yeah, yeah. I mean, a shredder would be easier, but. We have one of those. $27.50 on this one. So that's not horrible. Yeah, I know. You could have just paid it with like a 16th of the money. you spend eating out. I don't know if I did that math right. Not a public bath kind of guy.

I'll take your word for it. Much as I love opening documents. Yeah, there's a lot. There's a lot. Some of them I... 791 on this one. Yeah, some of them I did open just to make sure that they were medical bills. And then I just didn't look any further.

I did not look at numbers. Oh, I'm scrunching these. Ooh. This one's bad. $2,683.66. Well, this one is bad as... It's worse compared to the other ones. Yeah.

Well, you're, what do you mean one of your collections? I saw 2,3003 and 1,890. There's another collection. Oh, no, no, no. That first collection that you mentioned, I actually paid a little bit of it when I had some money. When? So it was like a year ago. And I made a, yeah.

I made a mistake. I made a mistake. And I did not know it was a mistake because I don't have anybody teaching me about finances until now. Oh, I know. That's every American until you look into it yourself. it needs to be a class even if it was would people pay attention

that's what I'm wondering that too yeah but it would be good as an option for those who want to listen it's like Homek they don't teach Homek anymore but do they know probably state by state basis district

I think yeah $95 on this one okay that was last of them there's your pile of pile of pile of shame so you've been to a lot of different places

yeah and I've also bumped into a lot of doctors, which is another reason why I want to be a better doctor. Oh, make them shitting. Very dismissive. Not really listening to me and listening to my pain. I will say I got a lot of male doctors. And when I got a female doctor, she did more tests.

She was like, okay, let's see if it's maybe your ovaries or if it's something else. We'll do, you know, we'll do an ultrasound. We'll do like other scans. and she just like was way more like comprehensive with that. I think a lot of the doctors that I had before were very like dismissive. They just they like well your blood work looks normal. Just go home. 9,000, 99,66.

Yeah, that sounds about right. And then they know your name as we learned earlier. But immediately in our checking account we can go to Taco Bell. So how often do you go to Taco Bell? I go a lot. I go a lot. Why? because I just well okay there's multiple reasons and I'm actually like working on it so my oh my

if my roommates see this I'm sorry our kitchen is filthy it's clean it filthy it is unusable clean it they don't I've cleaned it so many times they don't keep it clean there's yeah they probably suck clean it I'm sorry I'm sorry this sucks they should they should be responsible you should also be an adult and have a conversation with them so what I You work 12 hours and you don't or you have 12 credit hours and you, and you, a lot of them are probably gen ed's as well because you're only in the third semester. About yeah. So trust me, you have time and you don't work.

What I do instead is I have a little cook top in my room. Okay. And I cook in my room. I know it sounds dumb, but I cook in my room. Sorry. I cook in my room and like I do dishes in my bathroom sink. I, if there is no reason to leave my room, I don't leave my room. I don't like talking to people.

And like, my roommates are nice girls. You don't like talking. Yeah. As a, I don't like talking to my roommates very much. Like, sometimes I just go into like, like, pure goblin mode where I'm just like in my room. And if anybody needs anything, I kind of like emerge from the cave. I said one purchase. Okay.

Coros Grill, Amazon, evade treats. Coros Grill. Oh, Kora's grill actually got paid back for. Okay. I'm just going to read through these. And then if you have anything, you can tell me. Yeah. Vending.

Some Amtrak thing. Amazon. An Apple subscription. Einstein's Goklemate. Some meters probably parking. Taco Bell. There we're getting, getting the runs. Takedos.

Tikitos on the show, by the way. You know it. Just some people are new. Usually, this is my short change for going to a gas station. That doesn't matter. And tequitos is just kind of our inside thing. Starbucks, Amazon,

Taco Bell, get in the runs. Tequitos. Tequitos. Tequitos. Tequitos. Taco Bell. Tequitos.

Tequitos. Forever 21. The tipsy crow. The tipsy crow. That was when I was in San Diego. That was when I was in San Diego. I also went to Forever 21 because I got, spending's okay when we're not in our own sitting.

I got a stain on my clothes on my skirt that I was wearing and I had to buy new pants. Why? Because it was a, like, really, really gross stain. Like, red stain. Yeah. So I had to, I had to get new pants. You didn't try, like, the, the, uh, race with him?

No, I was out. Huh? I was out and about. Okay. Yeah, so I was already at the mall, so I just bought new pants, and I don't like doing it. Sure, if it's a red stain, I get it. Yeah. A tipsy crow.

Tegitos. Tequitos. Tequitos. Yeah. Shop Japaneseistic. A tipsy crow. Apple bill. Takedos.

Oh, wait, I know what that is. Parking. Taco Bell. Yeah. Pearson Plus. Cousy. Oh, Pearson Plus. Smoke first.

Smoke first. It's expensive. Yeah. Why are you smoking? Are you going to show me what you're smoking? That thing has a fucking half to it. Can I touch? Huh?

Can I see it? I've never held a vape before. Yeah. I noticed a little, oh, this is. Wait, you want to see a trick? Okay. If I can pull it off. Yeah, why don't you pull it in here?

Dude, I don't want that f*** it in here. What even is it? It's a vape. Is it nicotine or? It's like half nicotine, half no nicotine, because I'm actually trying to wean myself off of nicotine. Don't float in my direction. No, I'm trying to float away.

I don't want your cancer in here. Nasty. Less cancer is than a cigarette. Put that shit away. Oh, there it is. There's the flavor. Yeah. So it's two different flavors

People do that God, so inconsiderate to everyone around you I asked you if you wanted to see a trick Did I even respond? I think you just did it I think you gave me an okay We'd have to roll that back to see But yeah

If I was a guy I think I'd be the biggest D bag But thankfully I'm not So I might be able to get away with it If you were a guy someone saying okay Would not be considered consent So you go Yeah you're right You're right

so listen to what people say next time before you blow smoke in their face PayPal parking PayPal Prime video I just smells so fruity in here now and I just know that it's unlike bad stuff I'm not going to put it in your budget I hope you can quit that's so much easier said than Don I know it's very addictive yeah that thing's a brick I can't believe it yeah yeah

and that's actually one of the smaller ones that I've had yeah fake nage yeah i'm just so and then parking okay yeah so oh and then three dollars in savings so yes three dollars in savings

we should absolutely be going to tackle bell every single day with three dollars savings ha ha ha yes it's hilarious it used to be a penny I used to have a penny proud of you well it was because

I couldn't like have a zero balance and I needed the money so I just put a penny in there yeah 36.3% of your spending goes to housing 665 dollars and 50 cents 6.1 goes to your phone are $11.63.

Who's your provider? Use helium instead. It's like 20 bucks a month. Yeah, use helium. I just paid off my phone too. Then switch to healing. One of them, iPhone 14s.

One of them I phone 14s. Well, no, I didn't pay off my phone. I paid off my Apple Watch. Because I got an Apple Watch a few years ago. It was a mistake. I don't even wear it. I was just going to say. Yeah.

I do. Yeah. I could only find use with it when I was on tops. $115 to 77 cents necessary food 3.7% or $67.13 of the grocery store. Ooh. I cook on a top stove. Yeah, but I am getting help with my groceries too. So that's not factored in.

So he buys? He helps me get my groceries. How does it work though? Like where's the cash? Does he send it to you? No, we just go shopping together. Yeah. So the dude wants to date, right?

That's what you kind of hinted to words earlier. you think you're leading them on it's not very nice as a fellow dude i'm not leading a mon we we've talked about it it's behind closed doors bull's food going out to eat 163 dollars to 67 cents 8.9% unknown shopping typically amazon 15.5% or 289 uh 283 dollars and 51 cents 30 dollars into medical or health care or 1.6% you're spending 0.4% with the subscriptions 235 dollars and 35 cents with the miscellaneous bulls usually stopping you getting the tequitos 12.8% $154.28 with the other large purchases

or 8.4% of the spending. Oh my gosh. Yeah, the going out to eat is Taco Bell and the grill Starbucks Takedos. I didn't think it was that bad. Miscellaneous bullshit. Mathaway, Forever 21,

Japanese. The Forever 21, that one, we will excuse for this situation. There's a news station, K-U-S-I. Oh, K-U-S-I. That was at the airport. Because I got food at the airport. And I also got a souvenir. And smoke first TikTok shop. the kiosk 5 below

Kiosk I think is Large purchases Spirit Airlines Spay neuter for the count Yes I had to A textbook in sending out money via PayPal

Yeah PayPal is for a couple subscriptions actually I use PayPal for For I use Discord Nitro But I use Nitro classic Because it's $5 a month And I have Spotify

because I would pass away Without Spotify So for the cats, that's been neutered. That was actually a deposit. So the total was somewhere like $55, I think. Okay, I'm going to do your budget. Yeah. You all got to use my favorite high-yield savings account

where you can get up to 4.6% on your money, plus FDIC insurance up to $2 million. 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. So what was it that comes in again? What was it? What was it that comes in again on a monthly basis? Oh, uh, 1488. Okay. Can't believe you're squandering that like crazy. I know, I know. I, I, you're right. Come on.

What's your rents? Your portion of rents? Um, I think it changes because of my electric bill that gets factored in, but typically like 625-ish. So that includes utilities. Mm-hmm. Including internet, which is nice. Huh? Renters insurance. Nope. Nope. That's too expensive. That's... It's illegal, girl. No, no, not a, not at my apartment complex. Yes, it's illegal in Texas. You have to have renter's insurance. Who said that? The state of Texas. I don't have renter's insurance. They didn't tell me I needed it. Because usually like your landlord tells you when you need it. Well, no, they'll tell you to forget it. But, okay. Well, well, Well, let me, let me fact check myself.

Yeah. Because I didn't say that I needed it. There's nowhere in my lease that says that I need it because I had to read over my lease because I'm trying to break my lease, but I can't break my lease, which means that I'm stuck with the financial burden of paying for this apartment until August. Oh, never mind. It doesn't mandate. I was completely wrong.

That was my fault. Yeah. I'm glad I fact checked it. You were confident about it. I was. I swear I could have read it. Maybe that was Michigan. I know California requires it because in my apartment in California, I needed to have renter's

insurance. Oh, it's not recorded by Law on Michigan, so I'm just dumb. So, okay, cool. Well, I mean, first of all, that's risky because, like, floods. I live on the third floor. I'm not worried about floods. Water never happens above the third floor, everyone. There's nothing notorious that happens once a week or so that happens above the third floor.

Never. Gas, room, room. How much for, like, driving? Oh, my gosh. I fill up, so I actually don't drive that much. I don't drive as much as we think. Just a number, dude. Just a fucking number.

please my car takes premium only so every time i go to the gas station i spend like 40 to 50 and that's probably three times a month twice or three times a month i did stop at buckies before i got here party so 112 to 50 cents we'll call it 112 dollars car insurance um so i pay just what is it i'm sorry it's 87 thank you and the car payment that you've agreed upon that two thousand hours Mineral monthly payment. What is it? Of 300 per month. Okay. I'm just going to add that to your minimum monthly debt. Yeah. Medical health care ongoing. Psychiatrists, all that good stuff. What does the cost on a monthly basis? So my psychiatrist is actually through the school. So that's free. Very good. Fantastic. I love them for that. Yeah. You're borrowing a lot of money with student loans to it. So is it free? Yeah. Sure. It's not out of the pocket right now. Health insurance is 381, I think. It's like 380 ballpark. And that's monthly. I have gone to the doctor a couple times and those copays are usually like 20 bucks.

Often? Once a month? Probably about because we're still trying to figure out what's going on. Nope. Okay. No subscriptions can't afford. It doesn't make sense. 300 bucks for your groceries.

And then you're not going out to eat, but 300 bucks for your groceries. Then I would do $100 for TP fun. Anything else you need to survive. You know, woman necessities and makeup and toilet paper. and other necessities like toilet paper. Well, I met the women necessities as its own pocket

and then also toilet paper I was trying to say tampons without going full like hey get yourself some tampons girl biological teaching session so the cat how much on a monthly basis?

It's complicated and I know like I go into these tangents I'm so sorry I'm just like this so I've had my cat Gonzo for nearly four years now and he has not had any medical issues until recently so that was expensive

I think I've paid like a thousand dollars for his medical expenses and then Milo my second cat he's an eight month old kitten that was given to me by my roommate because she couldn't take care of him anymore he after he got his neuter

they botched it and I've had to pay $400 now for vet visits just because of the You do not have pet insurance. I do not because I didn't see any value in it, but now I do. That's how insurance works. You don't see any value into it until you use it. Yeah, yeah.

I didn't want to have like another monthly payment. And I considered it. I'd like shopped for it. But I was like, oh, well, like, Gonzo doesn't get sick that much. And then Milo came along. And then Milo's vet bills came along. And then Gonzo's vet bills came along. And these cats are disaster.

Type and sent me. Like, this is what I'm dealing with. You want to read it aloud for the world? Yeah. I'm trying to focus and this is... We should film an audit where we put an alcohol tampon in Kayla and he gets slowly more and more drunk throughout the episode. So we're boofing alcohol. With, I mean.

Yeah, you don't know what boofing is? No. Oh, it's a way to take drugs through your ass. People boof. Yeah. Horse tranquilizer. Yeah. That's a thing.

It apparently gets through your system faster than ingestion. Yeah. There's so much to learn about this world. Yeah. Your phone. Are you going to switch to helium? Call it 20 bucks a month? What, what's wrong?

20 bucks a month? Well, I mean, because I have T-Mobile Magenta Max. Oh, great. My apartment Wi-Fi sucks. Yeah? I need the 5G. Yeah, this uses the same 5G towers. Does it?

Yeah, is the major carriers. I will consider it. Because 20 bucks a month, but I don't fully own my phone yet. You told me you did. No, I said I corrected myself and said I owe watch. What is your monthly cost then for now? $111.60 something cents. About 100.

112 bucks. Yeah, 112. Okay, 300 for groceries. How much for the cat on a monthly basis without a fucking story? Litter is like 20 bucks. I think on a monthly basis, their food. I'm actually switching their food because they were. alerted to their last food.

Dude, I need a number. It's like 50 bucks for their new food. Okay. Probably twice a month, actually. Okay. And then that's about it, because cats are actually cheap. That's it. After all that, that's what we got.

And the vet bills, but those are surprise bills. $100 for the TP fund yourself. Okay. So $2.20 with that combined $2.20 for your TP fund. Okay. Debt minimum monthly payments. Ooh. This balance is going up.

That's crazy. Debt is one wild way to lead a dude along. Trust me, I get crushes and I crush hard, but I couldn't imagine. I mean, we're best friends. I'm sure he loves to hear that. Okay, so minimum order to survive is $2,436. Diosmio. Diosmio indeed, because that's $1,000 more.

That's a thousand more than I have. That's awful. which I mean like... And yet you're smiling straight through. Yeah, it's a stress response. If I'm laughing, I'm not crying. Hey, hey. Yeah.

How you doing? Trying not to cry. Okay. You know what okay? Yeah. Can I let you know something? Mm-hmm. Okay.

Smiling's an interesting response. There's also a response to, you know, not making enough money called work, called get out there and make some money. You have time. I know you have time. You're doing 12 hours. Most of them are gen eds. You need to fucking work.

Work. I'm laughing because I'm stressed. I promise. You're definitely right about that. I have looked for jobs. It's hard to look for jobs right now. But that's not an excuse necessarily. It's just that I have to apply for like 50 jobs to maybe get an interview for two.

Okay. Welcome to literally what every other human has been through. What the fuck? You're not like. the special unique unicorn. I know I'm not special and unique. It happens to everyone. They have jobs.

Yeah. And they've had jobs before this. I've had jobs before this. Everyone in this complex has jobs. They've been through application processes. There are 300 million people in this country. Yeah. Many of them have done the exact same thing.

Yeah. You can f*** the exact same thing and I promise you will be alive at the end of it. Okay? Yeah. Cool. So fuck with that. Kill me. Buddy, I just need you to work like 20 hours a week.

Okay. 20 hours a week, 15 bucks an hour. Yeah. And after taxes, you can at least make your bills. And that's all I want for now. I want more than that. I want you to pay off the debts. Yeah.

But at minimum, I cannot have your balances going up as you're not even halfway through your underground. Yeah. And then you're going to borrow $300,000 to go to medical school. And then I don't know how you're going to make your minimum fee payments on top of this. And you should pay this dude back immediately. No, no. Yeah. And I've talked to him about that.

I want to. I know. I don't. I'm just letting me rant. Let me rant. Let me rant. I'm ranting. Okay. You've ruined my rant and now I can't even rant.

I'm so sorry. That's really the options. You have to do that. Or you're just going further and further and further and further and further and further into debt. And again, I don't know how you're paying when you go to medical school. So that's what you have to do. If you could maybe work 25 hours, which is, it really sucks. It's work really long days starting early in the morning at a service-based, you know,

job or something. Stock and shelves even, just early morning to like, You know, late afternoon, early evening, Saturdays and Sundays, you know, we can get close to that. Yeah. And with that, you'll be able to do your homework and studies in the evening. You'll be tired. Wham, wow, welcome to college.

Welcome to adulthood. It's not that I want you to do it. It's just the existence that has to happen. And in that case, if you do that, like 25 hours, you'll have a little leftover. If we have an extra 200 bucks left over on a monthly basis, we can pay off. The medical, I think we're allowing it to sit for a second. Yeah, yeah.

I would rather pay off the credit cards. And we're paying off the capital one within a couple months. And then you're paying off your best friend. Yeah. And just in a few months and then the quicksover is going to take longer to pay off, but you can't spend any more money on those. You can't spend any more money on those cards. You cannot build up the balance.

You need to cut your spending down to zero. your necessities are a thousand hours more to survive so you have to budget you're going to go a budgeting program and track your expenses and go through the education of it so we can hold your hand um hmm usually i like to gift a tech certification for course careers but i can't in this one because it doesn't really make sense it's like you're going to something completely different and i i like what you're going into and i'm i totally support it it's just you're doing it in a very stupid with your money and life and not working and spending and stupid yeah okay so that's what i I do. You'll be very behind in retirement by the time you graduate medical school.

But I need you to bring in extra $1,250 right now. Easier said than done, but just work your house on the weekends, maybe one evening, your slowest evening of the week. And then just try to get on that consistent schedule and just bring some money like everyone else. I had to work all throughout college. I think there was my first year. My first year was the only year where I didn't work. And I was just been, oh, 18, 19.

I don't have to work. I could put it all in debt. And I started to learn that. you know, that's not how things, you know, and then I had to pay rent and all that stuff, and so I took care of it. So that's what I would do in your case. You're going to be hot in retirement. We can talk about retirement when you get there.

We do our follow-ups on Thursdays every week on our follow-up channel, so I look forward to doing that. I want to do it at the end of this semester. I need to see progress on this. The balances cannot go up at a very minimum, and you just see that you got a job in your least putting effort into this or at the very, you know, or at the, very least applying to jobs like it's a full-time job you need to apply to jobs go into these service-based things meet the managers apply for the jobs your college student they're looking for on college campuses

where a lot of them are seasonal anyway in terms of the demand from the consumer base yeah like they look for the supply of workers based on that as well so you know on a semester by semester basis sometimes the schedules are even built around that like when i worked at jimmy johns on campus they were the schedules were built out on a consistent weekly schedule that you signed up for things around your classes and then they changed every semester because the majority students were college students. So, you know, you try to find something like that. And then we can talk about investing in, you know, quite a few years. And maybe we can get your, maybe I can contribute to your Moomoo account to just get it funded.

And we can start talking about all that stuff and it gets exciting. But right now you just need to bring in money. And you start paying this off slowly. Unfortunately, I think collections and medicals all just kind of sit in there. Yeah. But the two credit cards and the. the person, that shit's being paid off. Yeah.

The student loans are going to be borrowing so much money. But what my minimum requirement for you? Yeah. You have to look for scholarships. Are you kidding me? I can't believe you haven't been doing that yet. I've been trying. There's not many for adult women.

We know your version are trying. Yeah. So I do not believe that for a second, no offense. I would get patent insurance. That's going to make your budget go up, but it's also going to allow things to be manageable when big expenses come up. And animals love to find ways to get sick and hurt.

They're little shit. They're little shit. I love them. We're going to, you and I are going to roast Noah in the post show about his, what was it, spoofing? Is that right? Boofing. Boofing.

Boofing. We're going to roast him for his like insanity. He must be bored back there. So we'll stick around for that. We're going to roast that man. Okay. Spending in a budget was obviously ridiculous. I mean, you just can't afford anything.

It's spending more than you. I can't give it more than a zero. Yeah. Collections. I mean, that goes to zero and immediately. You have nothing to emergency, you buy nothing to return. Okay, so obviously.

So, Hammer Finance. You said three. That's hilarious. Hammer Financial score zero out of ten. Make sure to check out all the resources. Linked in the description below is there what I use or would use in specific situations including the best budgeting program in the history of the internet. Today on the Financial Audit Post Show.

I'm saying that if we shove. an alcohol-soaked tampon into Caleb's asshole, and he slowly became more and more intoxicated as the audit continued. I don't even like getting drunk, though. I mean, that's why it would be great, is what I'm saying. To watch the financial audit post show, click the join button below. You're great at protecting your data,

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