Financial Audit - E-Girl Is Going To Die In Poverty

Episode Date: February 26, 2024

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email [e-mail] Sponsorship and business inquiries: [e-mail]  _______________________  Timestamps: 00:00 Job and Income 04:20 No! Already?1 05:10 Kudos 06:55 The IRS wants their money! 12:47 What a Mess 17:19 SPEND SPEND SPEND 22:05 ...Im scared for you 28:20 Justification Justification Justification 33:10 Please Stop.... 38:25 You Need a Budget 42:25 Will you actually pay your taxes? 45:53 Please just do this 50:20 Clean up this mess 56:35 Final Thoughts 57:03 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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. This is Euphoria Calvin Klein, the new elixir collection,

featuring three perfume intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, Addictive. Magnetic Elixir. Sweet and romantic like a lingering touch. Solar elixir.

A radiant expression of joy. Ultra concentrated for amplified impact and lasting power. Find your euphoria. Discover the Euphoria Elixir collection by Calvin Klein. Hi. My name is Adrienne Lee and I'm 22 years old. I'm in Austin, Texas and this is Financial Audit. What do you do for a living here in Austin?

I'm a content creator. Okay. What kind of content are we creating? I primarily, well I guess I started with like Twitch streaming, but I also do YouTube and Instagram and everything short form, you know, the mass short form posting. Oh, TikTok too? Yeah. How many followers do you have in TikTok? Instagram.

109K TikTok, 112K Instagram. I'm jealous of that. Yeah. You people won't follow me there. Instagram's really tough, but if you post a lot of reels, some of them might blow up and that's where I got most of my followers. Gotcha. And then how many you have on YouTube

subscribers? I only have 15K right now. Okay, yeah, definitely on the smaller side for the YouTube but pass that monetization subscriber part threshold. Yeah,

I get like $6 a month from there. Okay. So, okay, you don't make your living there. No. But I put the most money into that one.

How many subscribers, paid followers or whatever on Twitch? It varies. Some, like between the months but right now I only have like 100 because I haven't streamed

in like two months. Well, I have, but not like, streamed, you know? Okay. Like, I click go live and I'm like, hey, and then I like take another break. So across all sources, what are we bringing in on average? So take your high months, take your low months, average. What are we bringing in on a monthly basis? My average is $4,000 to $6,000. Six. So that's like livable. We're living off of content

creation. Yeah. That's really good. I mean, that's more than livable. That's fantastic. And okay. Well, how do you feel living off of that and creating content and all that stuff? Um, I feel good. I wish that my money came from YouTube more than it did on platforms that like require my subscribers to pay out of pocket like Twitch and stuff because if it was YouTube, they just got to watch a couple ads and it's, this is the best platform for content creators. I mean, not to be a show, but I love YouTube. It is the best. It's like the best. So, um, well, that's awesome. I mean, you're doing what so many people dream of. So that's absolutely fantastic. Okay. So that's fantastic. We can still be very,

She said too. Yeah. Happy on that. And then just growing from there. Her link trees in the description below for those who want to check out her stuff. So that's exciting. Where does your financial situation sit today? Where do you think you're at?

Give us a little basic summary and give yourself a score 0 out of 10. Okay. My financial situation right now is not good. I think it's actually the worst that it's ever been ever. So I'm glad that I'm here. In like your life? Yeah. Yeah.

Easily. Well, I don't know. Actually, maybe not my life. And you're young. Because, like, my past, I guess I'd get into it a little bit. I, like, used to be, I got cut off when I was 17, so I had to work two jobs while I was still in high school. And then the minute I got out of high school, I had this two jobs. I went to college full time at Wayne State.

And I had to live there, too, because it's like a parent situation. And then I also was a wedding videographer. So I had three jobs. And I streamed on Twitch, and I took a lot of Adderall. prescribed, but... Well, they said a lot that makes this sound abused. Well, not abused.

Okay, prescribed and used as prescribed. Not abused since we're on YouTube. But, yeah, I worked a lot, and I was always, like, really jealous of, like, all my friends, because their parents would help them with things. And even to this day, I have that jealousy over a lot of my friends. But...

Are you addicted? What? Are you addicted? To adder home? Do we have addictions? Yeah. Well, not anymore. But were?

Yeah. Yeah, but it wasn't like, I love how it feels. It's like I have to work. So it wasn't like a option, I guess. I know that people who have to stay on camera live for hours and hours and hours tend to get into that stuff. Yeah, 100%. I definitely had trouble with it when I was streaming. But now I don't because, and I'm grateful that, like, I can live comfortably without having to do that.

And I think that also buys into my spending and how I'm like, oh, like, I'm not sure. struggling to get by as much as I was. But that buys into my spending now. And there's been like times when being a content creator, I'll get a lot of money, and then I pay off all my cards. And then I'm like, cool, I'm not going to run these up again. And then I do. You know what that makes you?

I don't know how much. A bad credit card user. Yeah, you're not a credit card person. You're not a credit card person. But it's hard not to be. You've been branded, not a credit card person. It's hard not to be because American Express loves me. Well, no, they love to fuck you when we haven't gotten through it, but they love to just.

Well, I guess that's true. But they're ruining you. They love your debt. They love your interest. They love to just. Yeah. So. But I love them.

Why? Because they upgrade me to first class sometimes. Is that worth everything? I really like it, actually. Why don't we just do better financially so you can just afford first class? I want to take a brief moment to thank today's episode sponsor, kudos. Be warned, this sponsorship is for credit card people. If you are not a credit card person like many people in these episodes, close your ears, skip, I don't care.

This is for credit card people only. Summer is right around the corner and the average household is expected to spend $2,644 on travel. And if that sounds like you, you should try kudos. Kudos is a free shopping extension that works at your computer and iPhone to get the most rewards back from your credit cards whenever you shop online. But don't just listen to me. Kudos has saved the average user $750 per year. So don't wait. Use code Caleb to get Kudos for free by clicking the link below

or by going to join kudos.com forward slash Caleb. The future will thank you later. Because it's like free. Yeah, but you're the, what I think American Express is potentially the last one in this death pile. It's the worst one. Exactly. So you're losing all this in interest.

So why are we? I am. Oh, you're getting me. Okay. You're getting me immediately. Okay. Give yourself a score zero out of ten. Okay, my score is one right now, but sometimes I can be an eight, but right now I'm one.

Maybe not eight. No, yeah, eight, yeah, because I paid, okay, I'm going to tell you something right now. Tell me something right now. In the beginning of 2022, my credit score was $7.60. That doesn't necessarily mean your finances were good, though. But they were. Okay. But now I'm chilling at high 500s, which is really bad.

Dude, that's terrible. But before we get into this, I would like to let you know, I called my credit union in Michigan, and I said, hey, can I have a loan to consolidate my debt? And they're like, yeah, we can give it to you at 15%. And I was like, that's really good because my credit cards are high. It's bad when that's considered really good. Continue. But then they were like, where are your taxes? And I was like, well, I haven't done them in the past two years.

What the fuck? No, no, no, no. No, but listen, I just got a CPA and I'm doing 2022 as we speak. Are you doing back taxes for 2021, 2020? Yes. Well, I did 2020. Okay, 2021, you're doing back? Yeah, I just haven't gone through all my statements on 2021 yet.

Dude, why did you not do it? I know. I know it's bad. But in my defense, there's no defense. But everyone around me is like, it's okay. I don't pay taxes either. They're stupid. I know.

They're stupid. I'm only two years behind. and I'm taking care of it now. Only two years behind. If you don't... This episode is brought to you by Ultima Replenisher. Health is all about balance, like a salad with fries.

So why not have balance in your hydration? With six essential electrolytes and no junk, Ultima provides balanced hydration you can enjoy every day. That means no sugar, calories, or carbs, and it's not loaded with sodium. Just delicious plant-based flavors you'll actually look forward to drinking. Shop Ultima on Amazon

or in store at Target and Whole Foods Mark. market. I'm going to be two years behind on your taxes. I don't know how it's going to help, but hit that subscribe button because we're trying to get the 500,000 subscribers when we're so close. Yes, IRS don't come for me. Well, I don't know if I can help you with that part, but yeah, we're working with these CPAs.

Did you file for extension for this year at least or we just have it paid? I checked the IRS website. They're like, oh, due in October. So I'm like, okay, cool. And then your taxes are going to be due not too long after that again for this year. So are we setting money aside right now? For the $4,000, $6,000 that comes in, are you setting 25% aside minimum? I have money aside.

How much do you have a set aside? I have $2,000 in an account, in an account. And then I have $900 in an account. And then I have $3,000 in Robin Hood. But I was trying to save to move. You have to pay taxes. Taxes comes before moving. Yeah, but they have a payment plan.

Don't do a payment plan. I did a payment point for 2020. Yeah, but don't. It's going to be on infinite payment plans. Just save the money and pay it. If you're on payment plans, it takes from your disposable income that you could be investing.

Yeah, I guess you're right. Pull up that. Before we even get in this, let's see this Robin Hood. Let's see this Robin Hood. I've never pulled anything out of Robin Hood besides Doge. Just so you know, it's been growing for a while. I want you to invest, but we have to pay, we have to take care of the things that are required.

to pay before we can do things. Dude, just stressing me out. Yeah, but I like that it's in Robin Hood because I'm impulsive and crazy. Yeah. I never touch Robin Hood. Okay, let's put in a high-yield savings account that you would never touch anyway.

Okay. Yeah, I mean, it's grown from 2,900 to 3,100. So it's not, and that's over a year. So it hasn't even been that incredible. In fact, I mean, it was once at 2,230. So you're down from your pee. What are we in? We're in HL.

HL, HL, HL, what's HL? Oh, that was my free one. Mining? It was my free one. SMPH00, I'm chill with this. Yeah. $410, no, that's great. V-O.

I watched the stock guy. Shout out stock guy on Twitch. I like him. Oh, and. You're in two, SMP, Hap-H. Okay, I already know you're going to yell at me about this. Huge. So I'm going to tell you this.

I had a family friend reach out to me and be like, oh my God, I'll be your financial advisor. And I was like, okay, I guess I need that. And they put me in, life insurance and I was paying $100 a month for life insurance which is like like they grow it term or whole life um I think you don't even know I don't even know that's fine and I told them I told them I was like hi um I want to take this out and I want I wanted a Roth IRA that's what I asked from her in the first place and then she's like we can't do that because you have credit card debt and then this other guy

came on the phone started mansplaining and it was just like I literally have argued with them for like literally hours at a time. And so still I have $700 string somewhere. What the fuck? Did you open a Roth IRA? No, I wanted to. We need to get on to this debt that we haven't even come close to touching yet. And then we're maxing out of there because you're 2020.

You have eight years left of the best decade of compound growth in your life. It's fantastic. You could be incredibly easily a millionaire, easily a millionaire. Really? That's if we get out of this. Yes, really. No, but not the way you're doing it. Not the way you're doing it.

Well, because I think of it this way. I'm young. Yeah, you're young. That's why you have the time to get to a million. Yeah. But I'm young and I want to live my life. Live your life and prepare for the future life that you're living. $6,500 a year is not much when you're bringing in $4,000 to $6,000 a year.

Yeah. All right. So looking in here in this bill's account is $374. Yeah, because that's my account that I put. I usually keep that. at like around 2000 that way or like 3,000. I don't know. I keep it high because I just everything's auto pay out of there.

I did use it for IKEA recently. Yes, you did. $122. Yeah, I did. I bought a new slab of wood for my desk. Did you need a new slab of wood when we're in debts that you're not paying off? Yeah, because I was making a TikTok. Do the TikTok pay for it?

No, because TikTok does not pay. Yeah, but I, okay, I just did my whole setup. I reset it. So it's going to help me be motivated to stream. anymore. All right. So we're making excuses. We're justifying.

Then we're paying off cards. We're paying off cards. We're transferring things around. We have a $10 overdraft. You overdrafted. That's a pause. So that overdraft is not for me. I never let things overdraft.

But you still overdrafted, though. Yeah, but it was her fault. And I'd text her about it. Okay. So we're getting this back in. It was technically someone else's fault. But you still overdrafted. If you were helping and taking care of someone,

we just can't do that. But I told her I can't help and take care of. of her. Like if she wants to use that, that's on her. But you need to be in a position before you do anything. Before you're not getting hurt, $10 is taken away, overdraft. Yeah. And latitude. And we're just paying things off and restore. What's restore? Okay.

Because you go there every single second of your life. Restore. Wait, how do you know that? Because it's all over here. Okay. It's a monthly payment, first of all, because I have a membership. Monthly payment, my... It is. Okay. And it's my IVs.

What do you IV? Okay, so I get IVs. because I had a problem with my hair falling out, and when I drink, I can't throw up. So usually I'll get an IV. That way, it like restores, it's in the name. It restores me. Does it work?

Yeah, it does. Because I can't throw up. So when I drink and I feel like really disgusting, I can't just be like, which I wish I could. But I get IVs instead. I guess I could go without it. I mean, I don't know anything about it. And we're just paying off cards and we're just paying bills.

Yes. I don't know anything about it. I'm not going to talk on science. I do not know. It's okay. But you could also just not drink. Yeah, I haven't been drinking recently, so. Not the best habit.

Drinking, but. Okay, this is the checking account. We have a thousand four and fifty dollars in there. Okay, I'm chilling. Actually, a lot of it came out because I had to pay the tax guy $900 to do my taxes. So we're sitting at what, like $750 or something? I don't know. What's the math?

Yeah. Or no, we're sitting at like $5. 550? I think so. But I also, what I do when I have a lot of money in my checking is I just move it to some of my credit cards. Good, but we'll get to that. You're selling out $125. We're going to Chile, $61.

I threw $100 in there. Yeah, you threw $100 out of the cards. That's fantastic. But $125 is selling out. Don't know where that one. $61 spent at Chile. Dutch Bros. $5.43.

$41, pay-paling out because we're doing something. And Dutch Bros. $1.142. Some $6 purchase to $7.11. So that wasn't gas Unless we're just getting the weirdest Gas ever. Dutch Bros.

1163. Listen. Pride family. That's my doctor. Okay. We're chilling with that. And a lot of PayPal and PayPal and PayPal and PayPal. A lot of PayPal's?

99 Ranch. 99 Ranch. Cura. Velvet Taco. Not even what. A lot of my PayPal's are for my editors. Okay. But some of the little ones are just reoccurring payments.

I don't like discord and I'm. Salon $418. Yeah. I'll tell you why. I made the mistake of, okay, this is why. Okay, it's kind of a long story, so sorry to ramble, but I wanted to look good because there's a chance that I would get signed and get a literal salary to this thing that I was literally been led on since August to get signed to.

And they were like, no, it was like a collab channel. And they were like, come to L.A., you'll have a better chance if you come to L.A. So I'm like, I need to look my best. I need to be my best self before I go to L.A. So I got my hair, I got extensions. But they weren't mine. They're my mom's. So I, like, didn't have to pay for them.

I just had to pay for it to put them in. And then those extensions ruined my life. So this is me getting my extensions out and my hair redone because I would show you my bald spot right now, but I'm not going to. My extensions literally like ripped my hair out. And it was like a mess. So I know I wasn't in the financial space. Is that hair real? Yeah.

But there is like a. bald spot here from my extensions because I know that that wasn't a financial choice but I booked that appointment in the middle of the night because I was crying and I was like I just can't do this anymore. And not to cope even more but

my looks are a big part of my income. Yeah, but we do this if we were out of debt it would be totally fine. PayPal and epidemic sound PayPal and a lot of the money's coming in from Kik and fan house and

Twitch and stuff like that. Yeah. Nintendo, PayPal, and parking. Trying to be a bit more mindful of things you buy for you and your family? Well, when it comes to laundry, choose All Free Clear. 100% free from dyes and perfumes. All Free Clear uses only essential ingredients that tackle tough stains and odors. And it's gentle on the skin.

It's a powerful clean you can feel good about. So go on. Pick up a bottle of All Free Clear. clear for your next laundry day. And PayPal and. And sponsors too. Epidemic. Yeah, epidemic.

Epidemic sound. And PayPal. Shutters. Lily Pulcer. Yeah, that was, the Lily one was a purchase of an outfit. Twitch inter? Twitch inter?

I subscribe to somebody. Oh, okay. And PayPal and PayPal and PayPal. And PayPal and Google and Google and Google and Google and selling out money and parking. and Big Top Candy Shop and Nature and Paddle.com and Epidemic Islands and Madwell and Interspace Cavern and Waterburger. So even if some of that is paying for your editors, which I'm okay with, there's a lot of bull spending in there. Bulls spending. When your debt's insane, which we haven't even talked about yet, insane debts and you're spending on BS.

Why are we BS spending? Because, okay, sometimes when people visit, I got to show them a good friend. Have them pay. I don't give a crap. You're in debt. Why does it matter? Okay, also... Do you not care about the rest of your life?

I do. Then why? Why are we doing this? Why are we not sacrificing anything? I'm sacrificing. Oh, fuck you. What are you sacrificing? Yeah, maybe I'm not sacrificing anything.

Yeah, exactly. You wonder why I'm rude? It's because of that. No, ever since I started watching your videos, I stopped ordering food. Completely. I haven't gone out to eat once since you watched my first video. I've gone out to eat, but I haven't ordered food.

Like, so you haven't paid? Like, I haven't ordered food to my house. But I would go out. So that's what we consider being good. No, you're spending on BS when we have endless debt. And by the way, the rest of this is only endless debt. There's nothing else. Yeah.

Good to talk about. Yeah. That's why I'm here. I know that's why you're here, but you're saying like it's okay and that you're sacrificing. I'm not okay. I'm not really sacrificing, but it is okay. No, it's not. Why is it okay?

Because it's not okay. but it's not not okay. What does that mean? What does that possibly mean? Like, I'll figure it out. You know what I mean? That doesn't make sense. I'll figure out is it kick the can down the road forever until we die in a Walmart floor type of thing.

I always think in my life, if I made it out of what I made it out of before, that I could do it again. Okay, but let's also be realistic and pretend we're not living in a book that's written by some nice author. It's not a book. It's just. Well, it's not a movie either. Life is life. Just be because I, yeah, I'm glad you made it out of whatever situation. I don't even know.

Fantastic. Yeah. Like, cool, we can celebrate that. It doesn't mean that the situation is excusable that we can just get out of it because time exists or because something happened in the past. It's actionable plans that are taking and then realizing that, yes, we are spending on bulls that we don't need to be spending on. We're not sacrificed actually.

And then we actually go in and take care of our shit for a better life. That's why I'm digging in because to get that point through. I think that's why I'm here. I'm glad because, not to say like this, I am, that is why I'm here. Because I do have bad spending habits and I know that. And I know my bad spending habits are from my past and from how I was raised. That's why I want my mom on the show. Because she's worse than me, like three times worse than me, the spending.

But let's continue. Debt. Yeah. We're going to start right off the bat. Oh, we didn't even get into the credit cards yet. I didn't even realize. We have $7,000 on Apple Card. Well, you took it down to $6,744.

Okay. That's still insane. It's an insane. Minimum? Okay. The minimum payment on that is crazy. I'm not going to lie. Yeah.

Why are we doing this? Okay. When I signed up for an Apple card, I thought it was just for the Apple store. And I wanted a MacBook because I was like, I'm buckling in and I'm editing. And I did. I edited the most I've ever edited ever since I got that computer. Which I was like, cool. But then I found out it wasn't just an Apple card.

And then my spending did the thing. And it's so easy just to go, didn't they? That's why you are not a credit card person. Chop them up. Use debit cards. But it's metal. I'm kidding. Keep going.

I'm kidding. But it is metal. So I don't know how to chop that up. $280 minimum monthly payment. If you just do the minimum monthly payment, which is what you're doing for, it's going to take 21 years to pay off. And you're going to pay a total $20,000 because that's how the interest is. Now, what I do not get, if you are putting money towards it, and you're starting to pay off, why are we spending money?

Why are we possibly spending money? What is the mindset behind it? What? I'm looking at the dates on there because I haven't used my card in a while. You haven't used a credit card in a while as in like a week? That's good. Week of a half? That's a while.

Curry-Falveen and Apple Bill, Taco Bell, Apple, Apple, Starbucks, Apple Bill, Apple Bill. Apple Bill. Apple Bill. Apple Bill. Apple Bill. I don't. Tice's tacos. Starbucks Apple Bill, Iple bill.

Okay, the Apple Bill is obviously reoccurring. Yeah, but they're for everything. 63.59 on that Apple bill. Oh, I know why. I know why. $1.65 on that Apple bill. $1.05 on that Apple bill. $2.11 on that Apple bill.

$0.10 on that Apple bill. $6 on that. They're like my apps. Yeah, no. I don't know what they are. Go to your subscriptions. It takes two clicks. You get there and you cancel them.

But I can't cancel this, Discord Nitro. You can cancel. Okay. I don't care. But you can cancel the rest of them. Okay, okay. You can cancel the rest of them. Okay.

I just don't get the point. Why are we doing this? I don't really look at my things, but I'm looking. Well, it's time to start looking. I need to get to your mindset. I need to get to your mindset or else we're not going to overcome this at all. All right. So what are we doing?

Why? Why are you doing this? If you're trying to pay this off, if you know the interest rate's absolutely terrible. I don't even know what the interest rate is, but it's probably absolutely disgusting. You lost $131 in interest on this payment. We're doing minimum monthly payments. The minimum monthly payments are way too expensive. And you already have three things finance.

Something from the app. This is probably the MacBook and then crap and then crap and then crap and then crap. Oh, it's my iPad and my Apple Pencil. Great, because you needed an iPad. I did. Okay, so why are we doing this? Oh, you want a why I got an iPad? I don't give a shit.

Tell me why you're spending this money. Okay, anyways, I'm spending this money because I have a spending problem. So what's the mentality? I'm not validating it. I'm just explaining to you why. What's the spending? Let's get to the root of the spending problem. Okay, this is the root of my spending problem.

I grew up pretty poor. And now I make a lot of money every month. And I'm like, yeah, I'm that B word. Because I make this money in the back of my mind subconsciously. I know consciously that I shouldn't be spending this money. But subconsciously, I'm like, I deserve it. So why is the conscious rational understanding of you don't have money? We're in bad debt.

We're losing a lot of interest rate. Why is that being overcome? by the emotional. Yeah. I would like to say mental illness, but that's not, that's just a joke. But it is probably very impulsive, and that is a problem.

But I'm in therapy. Good. And I talked to my therapist about this. About this specifically? Have you... Because one time I had a really bad incident where I thought the world was ending, and I spent $500 at ATP.

Oh, my goodness. Yeah, no, that is definitely something we would want to see a therapist about it. I'll tell you what. Tell me what. A lot of my financial things are from traveling because my parents are far away. Michigan, yeah. And my roommates' parents are in California.

Wow. So American Express. The card that gives us free first class upgrades. It's my favorite card. Yeah, it's your favorite card. And it's your favorite, like, swiper. in the world because you owe them $10,000, $831. Okay, but it wasn't my choice.

Okay, this is not an excuse, but I want to say this. It wasn't my choice to have that limit. I had $2,500. It's your choice to spend the money. But they were like, I love you. That's actually pissing me off if you're not going to take responsibility. Well, you want to know why it's so high? It's because I decided to start a show.

It's called Drinkie with Dree and I invite three creators from Austin, which I would like to invite you on. And we, like, it's kind of like this. Like, I have my living room set up like this, and there's like a little, like, studio area. And, um, it's like a whole show where I like, like, like, script out, like the games and everything. And in order to start the show, I needed, like, a lot of things. So, but again, it went back into proving myself for this company that I wanted to get signed to, which to this day, I haven't gotten signed to. but a lot of these like okay listen a lot of these big payments are kind of like when you're a content

creator like me um you have to like take these opportunities or like take these like like going to la for example like they're like oh if you can make it next week next week then it was a really big expensive yeah you know you got spanned by them but when it comes to the setting up your set and stuff like that like okay when i started mine i started with the table i already had just in my i started with a lot of things i already had but i started with a lot of things i already had but i But you still cracked up this $10,000? And then I started with a cheap camera. And then a filmographer.

Okay. And I also pay out people. But I didn't do any of this until I could pay for it with the money that the company was generating. You went $10,831 a debt. I don't care if you use some of the stuff that you already had. Okay, it's hard not to consider an investment when all your money is from content creation and you hear funnel it back into that. But then you're going to say, oh, it's American Express's money.

Yeah, I know. But it's like an investment. Investment is you make more money off of it. Right now you're losing interest on this. You're not paying off a credit card. How was I supposed to know I wasn't going to make more money off of it? Oh my goodness. No.

Okay. Come on. Okay. I'm listening. That's why we cash flow. If you're going to make some kind of leverage thing, do it in something you're overly informed in. I like good leverage on cash flowing, 12% cash on cash, minimum return rental properties.

This, you were not. informed on. You're right. It was a gamble. So the question, how would I know if I'm going to make money on it? If you don't have the answer to that question, you don't do it. But it's kind of like streaming in general because if that, okay, not to cope because I understand what you're saying. And I acknowledge it. But streaming in general, it's kind of like why do it?

Like if I go live, I could get $2 or I can get $1,000. Yeah, but that doesn't mean you have to put in $10,000 to start streaming. You can start streaming with what you have and then build up from there. And I did. Every, good, but then this. Yeah, I guess I just got a little too used to the game. Every single one of us content creators, we start with whatever we just have. Yeah.

Unless we come from money, but the vast majority of us don't. Yeah. More Google Storage. Entrier plan. What's that? $30. That's my renter's insurance. Oh, okay.

That's chill. That's chill. Kindle, Tube Buddy, Delta Airlines, Delta Airlines. Dutch Bros Prime Video, Uber Eats, Macy's. Come on. We don't need to be doing all those. I understand if you got scammed. If you got f*** by that company, that sucks.

Okay, I get that. Not 100% your fault. I don't know the whole story, whatever. But still, come on. A lot of that is bullshit turning in there. What's the minimum monthly payment on this thing? I think it's like 50. It's not that high.

But I don't only pay minimum. You pay more than that, but then you spend it all back. And then interest accrues on it. I mean, this has to be like, what, another hundred? $150 in interest, maybe more, maybe like $200, I can't see. All I have is this. I think it's like 27. 27% interest.

Now we have a master card. My first card. That's what got you down this road of death. I know. My first purchase on it was an oil change and not look at me. $3,356. Total credit available, 143. 143.

This is maxed out. They're all maxed out. That's why I'm here. Let's let me want to payment on this because I can't see it. I think it's like 40. Have a break. Have a Kit Kat. They're all pretty low except for the Apple.

It's the interest rate on this. It's not as high as the American Express one. Maybe like 24, I think. It's not 4%. 24. Oh. Okay. So, death.

Okay. And what are we doing? Okay. Yeah, we're putting a little money to it. But guess what? We're going to go back to Max. And out again with $11. $133.

cents, 7-11 purchase in Amazon, an Amazon, an Uber-Eats, and Uber-Eats, and Uber-Eats, and Amazon. So what's the point of even making payments to this if we're just spending more money on it maxing and out and getting some interest? I don't understand. You're working with your therapist on it. Working with your therapist on it. Yeah.

Okay. This one's low, don't worry. Yeah, but it's stupid. I don't even know what it's for. I know. Because, okay, so because I didn't have money for a while, and my other cards were maxed out, I had to use my target credit card even though I just paid it up because I needed my groceries. And I could pay this right now if I wanted to. Then do it! Then I will. I'll do it literally right now. Do it? Okay.

374.50. Wait, before you do it. Actually, no, I need my computer for this. I forgot. To do the target one. Every other card I can pay on my phone. What's the minimum monthly payment on this thing? It's 30. My mom told me to get this card, to be fair, even though I know I didn't lose my mom. Don't trust parents when it comes to financial decisions, usually in the American consistent because everyone is financially uneducated.

Yeah, and that's why I'm here to... You're putting money on this. Last statement of balance, 153. You spent money on it. No, the last statement balance was because I paid it down. No, last statement balance was at 153. Current balance, 374. Well, because I bought groceries.

Stop putting on... You're not a credit card person, no more. You just can't use credit cards. Yeah, I agree. Will you agree to just get rid of your credit cards? But what if an emergency... happens. You have an emergency fund. But I don't have one yet.

We will do that. Okay, fine. Then I'll agree. But okay, if I don't use my credit cards, do I cancel them or is that bad for my credit score? You, what you... Okay. What we can do with credit,

I can talk to you about another card that I connect with, FIS card. It's geared towards college students. You're actually in that age range, so it kind of might work. It helps build credit. It's in the credit card debit card hybrid world. And you can limit, it helps you limit spending

on starting. categories, which is perfect for you and your uncontrolled spending. But here's, okay, sorry to me like this. What if I need to go somewhere? Like, I need to buy a plant again, go somewhere. Because these things happen. Need how. Need how.

Like, I'm going to a funeral this week. Huh? I'm going to funeral this week. For who? My uncle. Okay. We were pretty close. We have an emergency phone for those kind of things.

Okay. And we will get there. If you have to use a credit card for anything, that means you're already in the bad spot. So, we're getting to get you to the place where you don't have to do this. What is that? I have my PayPal credit and it is used only for my stream stuff and my editors. Okay, so this is business, but we still have balances on there.

You have an available credit of $53, so it's, again, maxed out, $646. I'm... Yep. I'm good with these things. Put them on a business. I know. Open a business checking and put it in there. Yeah.

It's hard. Okay. Minimum due, zero dollars? I pay all my things on time. Yeah, what's the normal minimum fee payment on this thing, though? 40. Okay. Interest rate?

I don't know. Is this also, what is this? Oh, this is just my Target card payments. Oh, so what you're more, it's just Target, Target, Target, target, target? Yeah, because we don't really specify anything. It's just target. And here's my car, and I, before you say anything, I will not be selling it. but I am going to be refinancing it.

But listen. Reffinancing our home, you're a 5.10% interest. When my score goes back up. Okay. Listen to me, okay? I was so close to refinancing it. I had no, I was 7, 150 credit score. I had no credit card debt.

I was living my life. And then I go to refinance it with my credit union and they say, you need a driver's license. And I'm like, bruh. Because apparently, if you live, let your license expire when it's from out of state, you have to retake the entire test and course. But your license expire? Because I didn't know how I'd retake the whole test.

I thought, no, you just read do your license because you need a driver's license to drive. I know. And I was going to do it after it expired, which it expired on my birthday, my 21st birthday. And then I'm like, cool, I got to get a new license. So I go in that week of, I go in the week of my 21st birthday. They're like, you have to retake everything. So I, and then it was literally jumping through hoops. Because I'm like, okay, I would like to retake the test, please.

Then they're like, you have to register your car and do this and do that. So I was literally like every single day in the tax office, in the DMV, in the 500 different offices they have in Texas because they don't just have a secretary of state, like a normal person. And it was just like literally jumping through hoops, waiting for appointments, and I finally got my license. But by the time I got my license, it was too late because I was in debt. You owe $12,684.91 cents. What is the car? You're not going to like it. What is it?

It's a Land Rover LR4. Year? 2011. It's kind of old at this point. What? It's kind of old at this point. It is old. But you like it?

I like it because I can always find it in a parking lot. $400 minimum payment essentially rounded up. Yeah, that's really interesting. Interest rate 9%. Because I got it when I was 19. I don't even know what you'd refinance it at. I mean, even with a halfway, decent credit score, it's not going to be much better than that.

72 months, but you took it out a while ago, you're almost like halfway through. So you're kind of on, you're starting to get in the second, like on the better side of the interest anyway. I don't know if I would sell it and I don't know if I'd refinance either. Really? Yeah. Well, I mean, you don't really have the choice to. Because of how much interest I paid.

Yeah, year to date, 500. It's not good, but you get it on the better side of the interest. And again, if you had a halfway decent credit score, which would take a lot of work for you in time. What their interest rates are, I don't know if you're going to get something much better to really make a difference. When I... When I got that, I was 19. And my truck, because I used to drive in 2002, Ford off from 50, kept breaking down literally every month.

And, well, it was my grandpa's. And I bought it off of him for cheap. Anyways, so it broke down every month. So I was like, it's time for me to just get a car that isn't going to break down every month because I would drive to him from Detroit and literally get, like, my car would break down the middle of Detroit. And it was like not safe. and but anyways so I got that car and no one could co-sign for me because obviously my parents can't co-sign for me because they don't have good credit scores and they're like you have good credit but

you don't have good credit history because you're so young so it was like a big deal and that's why my interest rate is so high either way 37,490 dollars of total debt not a single piece is good debt it's all terrible car debt terrible credit card debt terrible credit card debt terrible I have a question. Minimum monthly payments, $1,551. My question is, is our student loan debt being forgiven or no?

No. For real? Yeah, for real. Okay, because I have 9,000 of that, and I don't know how to pay it. I had your minimum monthly payments wrong, but I'll tell you in a second. Okay.

$9,000 federal student loans that are already starting a few months, so that's going to probably be about $150 in minimum monthly payments. Okay. I paid most of my school up front because my parents didn't do taxes. Did you graduate?

No. year and a half Wayne State what did you go to school for film makes sense yeah and it was a waste of my time because the reason I dropped out

is I talked to the lady I said what can I reasonably like how can I reasonably get a job with this degree after she's like you could do wedding videography for a company and I was like I already do that so then I dropped out your minimum monthly payments

are $983.15 which is death it's a quarter of your income. Yeah. And then you still need to set money aside for taxes. Gas spent 165, fast food and stuff. You spent $440.

You did all this? Yeah. Whoa. That's kind of cool. But yeah, I don't buy much gas. Well, you still spend a lot going out. I do. You can't afford that anymore.

I've been telling my friends now recently. Well, they can pay for it. Yeah, they have been. Good. They can pay for it. Or you do for it. refund. I don't care. Either way, you cannot afford it. Doesn't make any sense. Ready for a bunch? Are you actually going to do if we lay it out?

I promise you. I'll literally come back. Good. Well, yeah. You better. So, we have debt. 983. Wait. Let me check what I look like. Just because my lip gloss does this thing sometimes. Okay. Wait. Okay, I'm good. Let's say, okay, so it's $4,000 to $6,000. So we're going to do $5,000 a month.

$9.83 goes to debt. You're setting aside for taxes, minimum, this is something you've definitely not been doing, $1,250 a month. A month? 25% girl. Get used to it. You're in America.

It sucks. It absolutely is devastating. But it's the reality. I thought I lived in Texas. Isn't that the point living in Texas? You don't get income taxed, but you still have to pay your federal taxes. And with the rent your paying,

and living in Austin and eventually if you get a property, you're about to just get when it comes to property taxes. So do you think I should buy a property here in Michigan? Wherever you want to live, but either way, taxes overall are lower in Michigan even though they have income and property taxes,

but because our property taxes are so insane and our sales taxes are 2.5% higher than in Michigan. Yeah, no, we're so paying more taxes here in financially free tax. Texas. No, we pay endless taxes here in Texas. It's terrible. I don't know what people are talking about when they think they're moving here and saving money.

Well, why do you move here? I moved here for Austin. Okay. And for a job. And then I was also under the misunderstanding that taxes would be better. Yeah. This is the income tax. But the income tax you pay in Michigan is like a few hundred bucks.

Yeah. That's it. Like a year. Okay, either way. So that's for taxes. That's for debt. What's your portion of rent? 9.50.

Your portion of utilities, internet, all that good stuff? I pay all of those. Well, we don't have... What is it? Can I look at my phone? Mm-hmm. We don't have internet because it's paid for by... It's in the rent.

Yeah. My electric is 100. My rent insurance is $35. My pet insurance is $60. And then all those reoccurring things. I don't know how much that adds up to. too. Well, you're canceling your recurrent subscriptions that aren't necessary for your business.

Yeah, my car insurance is $250 average. Okay. Because sometimes it goes up, sometimes it goes down. What was that gas? What did we say for gas? I don't know because I don't really drive that much. But I do have to go crazy. Which is interesting because this is a very car-dependent city.

I don't leave my house that much. And what I do? Yeah, stream really. Gas, 165. I've still a lot. For like a month? 165. It depends.

Well, I have to go. I mean, you drive a Land Rover. Yeah. Groceries. I know you kind of split it with someone else and kind of cook with your roommate, but. What do you think it should be at? Well, your portion's now going to be 200. Okay.

They can do whatever, but your portion is the max you can contribute to is 200. And total paper and apartment. Oh, that doesn't count those portion? Uh-uh. Everything else is 50, other 50 that you can contribute to, like, total paper and stuff. Okay. What about makeup? Okay. We'll talk about business expenses.

Okay. What do you think you pay for your business subscriptions and your editors on a monthly basis? My editors, each video is 150. I try to put out four videos a month. Okay. So 600. And then I also pay them to make shorts out of those

videos because they already have a program. I could make up myself, but I don't have the program they use. You know what I mean? So what are we saying in total with makeup and everything? 900 or a thousand? Yeah, I would say that. Which one? 900 or a thousand? Pick one.

Because you're going to follow it. I'll do 900 because I can limit myself. Wait. Now are you writing things? If your CPA, well, you haven't been writing off things for taxes because you haven't been paying taxes. I write down everything. I do QuickBooks. I know, but you haven't been

writing off things because you haven't been paying taxes. But your CPA is now, though. I haven't legally been doing that, but I've been doing it within QuickBooks. Like every time I check my QuickBooks, I'm like, oh, this is a business expense. This is a personal expense. You know QuickBooks works.

I'm assuming. It only matters if you file your taxes. Well, I do the work to file my taxes in the future because now I'm ready for 2023 taxes. Yeah. Maybe not ready to pay them, but I'm ready to do them. So it's $4,000 before your business stuff. Add your business.

How? Oh, because of taxes. I totally forgot that was the thing. Yeah, or else you're just going to get in the future. But here's the thing I can always make more money. Like, listen to me. Listen to me. Listen to me. Adderall shortage is a thing, but we're going to go past that.

I've been slacking right now, so I've been making the lesser amount of... What do you think you can make? I can make $6,000. So you can make an extra $1,000, so that's it? I can make more, hypothetically, but on average I can make $6,000. Well, we're doing $5,000 right now to be generous. In my career where I've made $10,000 a month. I know, and then there's $1,000 was much less.

So we're doing the average. So with your business, it's 5,000. So, okay, let's say, let's just say you have an extra $1,000, okay? Extra $1,000, because you need to ramp things up because you have no other choice because you have a lot of terrible debt. Yeah. So in this plan equals you bringing in a minimum $6,000 a month. Yeah.

Okay. Okay. So you have extra $1,000. Four months, you put the $1,000 to side until you have $4,000 saved up because that's what you need in order to operate your business and live. So boom, in four months, you have $4,000. That's your emergency fund. emergency fund.

From there, yeah, we pay off the target card and PayPal card within month number five. I can do that. I can pay off the target card right now. No, right? No, no, no. We're saving a $4,000 as quick as we can. Okay, okay. We're doing minimum monthly payments until we get that.

Minimum monthly payments. And then you have the $4,000, then we're paying the target and PayPal card in month number five. Then, month number six, seven, eight, and half of nine, we're paying. off the master card. Or unless I get them consolidated. If you want to consolidate all your cards, you can. Because the interest rates are really bad.

Actually, that might be the better method. Maybe we take the Apple card, we take the AMX, we take the Macs. It's only getting every customer's order right. It's only a point of sale system connected by Spectrum fiber-powered business internet, helping you track hundreds of secure transactions. And it's all backed by 24-7 U.S.-based customer support and local technicians. It's only everything.

Get business internet advantage free forever when you get four mobile lines from Spectrum. Visit Spectrum.com slash free for life to find out how. Restrictions apply. Service is not available in all areas. I'm waiting to do that now because I have to do my taxes first so I can get approved for it. Do that and then kill that as quick as you can. Then kill your car as quick as you can. And then most likely kill your student loans as quick as you can as well.

So this is a dumb question. ask you. Ask me. When can I buy a house? In a bit. We'll get there. Actually, it's $37,000. That's before we calculated. So, actually, your debt is, because I forgot about the $9,000, new $9,000 student loans. So $46,490 is your debt that you've built up to just $22. Plus the $4,000 you have, and then we're going to get you $20,000 emergency fund after this. So the total amount of money that needs to be created to pay all this, off and then this isn't even taking an account interest.

So this is taking an account interest because you're paying it off aggressively. Let's say now it's at $70,000 total. That's going to take 70 months. What's 70 months? 70 months divided by 12. It's six years. So this takes six years. If you're not going out to you once or anything.

I can do it faster. Okay, good. I want you to do it faster, but that's if you put $1,000 towards it a month by following a nice per district budget, saving up for your taxes, making sure you're saving up for taxes, deduct everything you can. Hopefully you have a little left over. and then you can, you know, pay your taxes quarterly so you know what you can put towards. So where do I put the money from the taxes?

You can put it in a high-yield savings account. You can open it with an e-own, open it with Ally. I don't care. So I put the money that I'm supposed to be saving for taxes in a saving account. Mm-hmm. And then, uh-huh. And then when it's time to pay the taxes, I take it out. Yep.

And pay it quarterly. But then I have a different savings account for my emergency fund. Yep. And you can have different accounts within your account and ally if you want to do that. So you can have your tax account and your emergency fund. Ally? Ally.com, Alliebank, something like that. It's a banking?

Because I do everything through American Express because that's just what I started at 16. Just search Ally, high yield. It'll be good there. Also, do you know something that can cancel my subscriptions automatically or do you not trust those things? Yeah, no, you could sign up for Rocket Money. Because I'm scared to put things, my information in those websites.

No, Rocket Money's fine. Okay. Now, I've worked with them here. I use them. Rocket money's good. Rocket money's good. And you can cancel subscriptions to them. And then so, yeah, I mean, if you do an extra, what was it, six years, is that what we said?

I mean, if you do an extra 2,000 hours a month towards all this stuff, and that's getting pretty aggressive for what you said on your best, like, six months on average, or 6,000 hours on average on good months. So now this would be $7,000 on average. That would get it down to three years. I'm doing math in my head. Because sometimes I'll get big donations, but I used to, But now the Twitch atmosphere has changed.

So it's just kind of like, like randomly one day, I might get $1,000, you know? Yeah. Well, when you do that, set 25% aside for taxes, make sure you have enough to cover your monthly budget, and then the rest of it goes towards paying the debt. Credit target, PayPal, credit card consolidation, car, and then student loans. Okay. After I consolidate my credit cards, how do I get rid of them? You pay off that consolidation loan as quick as possible.

No, but like the cards itself, do I get rid of them, or do I keep you? them for credit reasons. I don't, you're not a credit card person. It's not like I'm going to use them. I'm just saying like, do I keep them open? Well, eventually they'll automatically close with no activity. So I think this credit stuff, I think you use the FIS card, which I'll send you a link. Either way, I think it's going to be whatever potential goodness you get from credit,

in the 500s, by the way, it's being completely negated by the sh-by, by the shi. by the shit. You're just getting absolutely destroyed by the credit card debt you've built up time and time again. It doesn't make sense. You're not a credit card person. I know. So I would cut them up. I would close them.

Yeah. Use the FIS card. Use your debit card. That's it. Budget. What do you have saved for retirement? Is it just that Robin Hood account? Yeah.

Because I wanted to. I told you with the Roth IRA. So the 5,900 that you have setting aside, I'd gather all that up, including selling your Robin Hood. put $4,000 deciding to the high yield, boom, that is your initial savings because I forgot about that money, so that already takes care of a few months,

then take that extra $1,900, and put that towards the target, PayPal, and then the rest towards the credit card consolidation. But why would I put that in savings if my Robin Hood is technically my savings? Because it's invested in individual stocks. It's too volatile for emergency funds, we put them in a high-yield savings account

and we let it sit. High-ield, meaning that it kind of follows where interest rates are at the time and since interest rates are kind of a pain right now, you're actually getting a pretty good So it's better than the S&P 500. No. But S&P 500 is better

for investing. If this money is sitting there for an emergency, we don't want it to be volatile. So S&P 500, yes, it can average out with dividends reinvested on an annual basis of just over 10%. But it could totally be down like 10% one year, 15%.

Yeah. We don't want that for emergency funds because they're for emergencies. I don't know what I did with State Farm, but I think I get dividends from them on a life insurance thing too, which I know. Oh my goodness. You've just been talked into everything. Okay, no more of those. Stop.

If you don't understand anything, you don't sign up. Well, because I didn't, I just was like, I need car insurance. And the girl was like, blah, blah, blah, blah. And I was like, okay. You asked me next. You asked me next time. I moved here. I went off 19.

I know. It's fine. It's fine. It's fine to do stupid stuff. Yeah. Yeah. Yeah. I just think.

I, not to rationalize because I know it's bad and I take responsibility, but I grew up with not a good money role model. No, that's fine. Most of us didn't. Yeah. That's the average American story. That's why I'm here to learn. That's why you're here to learn and that's why I'm helping. And if I don't know the answer to a question you ask me, I will refer you to someone who does.

So no more listening to all that crap and signing up for all that crap. We don't do that. Because in my head, this is how I justify it. I think if I have less debt than my mom, I'm okay. or if I have less debt than people who go to school because all my friends went to school and they have like $25,000 a year because they just all like whatever loans

I'm okay because I didn't go to school No, if you're comparing yourself to the average person The average person sucks with money It doesn't make any sense. Be well above average or else it doesn't even matter. Either way, you have nothing safe for retirement So that's why I'm saying you need to get out of this because you can make it three years instead of six years

I don't know if you can actually do that. We'll see. Okay, good. So you'll be 25 and then you can just start. investing. I want you to invest like crazy because you will be able to retire early and I have to take care of this. You're in such a position where you can just go

wild and it'll be amazing. But that's not now. Right now you need to worry about getting that started emergency fund. Paying off the debt. Start an emergency fund's already there because you're going to exit your Robin Hood and you're going to take all that money. You're going to put it in $4,000 on high yield. Then you're going to take that money. You're going to pay off the stupid target.

You're going to consolidate your credit cards and then you're going to put the rest of that was left over. Put towards that and then start paying that off aggressively. Then you pay off your car aggressively. And then at that point I would actually save because the federal student loans, the interest rates are going to be crazy. I'd get to $20,000 emergency fund.

Then I would pay off your student loans depending on the interest rate. We can talk about it then. And then you start investing. Why aren't they forgiving it? Because it was challenged. It's going to be brought to the Supreme Court. The Supreme Court is one of the most right-leaning Supreme Court's we've had. I don't know about the entire American history, but definitely in the modern

history and they are likely to not uphold the Biden man. That's so dumb because I would have not had anything. You know what I mean? Because it's like $10,000, isn't it? Yeah, you would have been forgiven. I've honestly forgotten what the plan even was. That's what I thought. That's why I wasn't even caring about it because I'm like, okay, cool. Because I got the email and they're like, you really haven't been following that, have you?

No, because I just don't want to think about it. Yeah, no, it's most likely not. I'm not a betting man, but if I was a betting man, I'd put it all in red. Red Bean. They're not forgiving. I love roulette I've never played You've never played?

I've never, no Well you do like your finances I'm a gambler I do like yeah I like keeping my money and growing it You can grow with gambling Okay So Okay

That's the plan What are you actually gonna do Tell me what this actually looks like I think I challenge your plan I this is like worst case scenario I'll do your plan But I feel like if I go balls to the wall get a little adderol in me

I can do this really fast What does balls to the wall look like? What are you going to do? How much money are you going to bring in? What's the plan laying out? Are you cutting back on all that bull? Yeah. Until it's all paid off

And you have a fully funded emergency fund? Yeah, I've already been doing good By cooking more. Doing well. Is that different than good? I've been changing for the better. My house is kind of messy right now because I feel like that also kind of correlate to the cooking.

Have you seen this place? I'm like, come on. It's a disaster. Mine's worse. I have cats running around. But yeah. Okay. But that's just not...

What are you doing to make more income? Okay. Streaming more. Posting more, taking more sponsors. Fanhouse, balls to the wall, fan house. Because I could... I just do kind of bare minimum there

because it's like kind of a lot. to do, to message people all the time, but I can do that more. Okay. And then all that extra money is going to go depending all those. We'll just have to see. We'll follow up. I laid out the plan. If you follow the plan, you'll at least get out within six years, at least.

I would love you to get out quicker than that, but really, your minimum in order to survive, especially since you need to set money aside for taxes, especially since you use so many business expenses, which hopefully you write off against the taxes, just setting aside for business. You'll have to sit down to the CPA. Yeah, I wrote off majority of money. Either way. With that, your budget's too much and your income's too little compared to your budget. Your needs category is like 90% of your budget.

It should be 50% max. So, either way, you need to increase your income drastically through whatever. Chop up your credit cards. Use the FIS card. I don't care. Blah, blah, blah, blah. Because I think of it this way. I haven't streamed really.

Like, I made $400 recently from Twitch. And normally I'd make minimum $2,000 from Twitch. So if I'm making at least $4,500 on Facebook. house a month and I did the Twitch thing where I make $2,000 from Twitch, no donations. That's $6,000. Is that $6,000? Yeah, because $4,000 plus two. And then donations on top of that.

So I could easily, if I actually start doing Twitch like I used to, can make $7,000. It's up to you. That's up to you. Okay. If you guys want to see me stream like Tuesdays and Thursday evenings or night, maybe some live financial audits, let me know what the interest is. and maybe I'll do that. And you can use your prime subscription

that if you have Amazon Prime to sub do you for free. Really? I did not know that. So if someone has Amazon Prime and they watch you and if they connect the two accounts they can subscribe to you for free.

And everyone has Amazon Prime. Yeah. If I have Amazon Prime, it's one of my career. Any final thoughts? No. I just think, yeah, I'm just going to grind

because I'm lucky that I have a job that I can do that. Like I have the opportunity. Like if I want to work more, I can make more. Even if it's not the healthiest thing, for my health, it'll be good for me. Always take care of your health, but I promise you can work more than you are now. I definitely can't.

Keep taking advantage to therapy. Everyone should do therapy. Yeah. And that's all. That's all I have to say. All right. All right. For her hammer finance score, let's break it down.

When it comes to her spending two out of ten, it's that's that's a lot of ten. the crazy spending, but it's certainly not good. She's not putting towards things that need to be put towards, like bad debt. Her debt, one out of ten, could be worse if there are things in collections or IRS debt. Well, I guess there is kind of IRS debt with the payment plan. Never mind, I'm making that a zero out of ten. Retirement, zero out of ten. There's nothing emergency fund. She has money set aside, but a lot of it's in single stock, so it's not great. So I'm going to put that at a two out of ten real estate. There's nothing there zero out of ten. That aggregates down to about a point five out of 10.

Round it up, one out of ten. If you want a free $5, use my link in the description below to sign up for Acorns. You'll get a free $5. I'll get a free $5 when you deposit $5, and it's a great place to start investing. Don't forget to follow my Instagram and Twitter.

Thanks.