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

Episode Date: October 9, 2023

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Hi, I'm Adriana Lee. I'm 23 years old and I'm based in Austin, Texas. And this is financial audit. So this is a follow-up episode. You don't have to see the other episode. This is just going to be like any other financial audit other than I'm going in more blind because I like to go in blind on follow-ups and see just how you've done. Now, I am in a little bit of pain as the Apple card, which is like I don't have to look very hard to see what this is. $7,106, $182 on an apple card. But last time there was like a weird tax situation of just not paying taxes, saving up for taxes, and then you were in a lot of debt,

and you were spending so much money on just, you just like bad stuff. Yeah, that is true. But I have done my taxes. You did your taxes. Yeah. You did your taxes. How was that?

It was good. It was a little bit confusing, and it costs a lot of money to get done. But that's okay because they're finally done. You paid a CPA to do it? Cool. How are we preparing for this next year? Are you paying quarterly?

No. Okay. But I probably should. I don't know too much about taxes. Well, how many years have you been claiming this as your primary income and everything? You're a Twitch streamer. Yeah, I'm a Twitch streamer. Link in the description.

But I also stream on Kik and I post on every social media. I'm like an influencer, like everywhere, I guess. And not, what was it called? It's not Fansley. No, it was fan house, but it recently shut down, which was a little bit of a crisis for me. But it rebooted as passes. So it's the same thing, but it's just under a different name. Okay.

How much one are you bringing in on average on a monthly basis right now? Let me pull my phone out. Because I have my, it's really like, because May is when I first, when we filmed the last one. And I made in total, because I also have other streams of income, $6,769. And then in June, I was bawling a little bit. I made $10,484. Very nice.

But then in July, I made $4,07. What happened? I don't know. No, no, no. Where did the income source get hit the most? Well, in July, this was, I still, Fan House was still a thing. It's just sometimes, like, we'll have people, like, as a content creator, you'll have, like, people who want to support, you know, and then they'll, like, go away. Like, they'll show up, drop a big donation if it's, like, on Twitch or show a lot of support on Fan House and then they'll, like, disappear.

And if you want to support, I'm not asking for money. I'm just asking to hit that subscribe button. We're trying to get to 750,000 subscribers. Let's go! Yeah, but didn't you say you're going to start streaming? I've, you know, I've thought about streaming. I mean, I'm trying to justify, especially if it's like Twitch, you know, I could stream on YouTube. I'm not as educated on that, but if I stream on Twitch, you know, it's a 50-50 split, and I know the time, you know, versus the money.

Plus, my team's already working, you know, full hours. Do they work more? I don't know. I love connecting with the audience in different ways. We're trying to figure out the best way to do it. That's why I stream on kick because you get 100% of what you make. I struggle with the gambling aspect. Yeah, but you don't have to gamble.

No, I know. I know. Because I don't gamble. I'm a little torn on that. Torn, torn. But Twitch used to have gambling. 100% either way. I know.

Their owner is a gamble. Oh, thank you. Again, torn. I'm not 100%. I'm not like anti, but I'm also not pro. We won't get into the Twitch versus kick to be. No, sure. Because I'm honestly just not really educated on it because it's not my platform anyway.

So of the income sources that come in, what took the hit that decreased your income by 50% that month? Fanhouse? Yeah. Okay, so fan house dropped by like 5,000 subscribers? Or $5,000? In terms of like, and I took a vacation that month, so I wasn't really like working. Because I took like a week-long vacation to Mexico, which was paid for by a family friend.

So that's another reason. I was like away from my computer all the time. I wasn't really like staying on top of like reporters. finding to people or streaming or whatever. Vacations are good and I think everyone in normal jobs of vacations and we're doing like a week of vacation here shortly, but like am I going to be really on vacation? It's hard to say I think when you're in the social media space, content creator space, I unfortunately don't think in the grind that there are vacations.

That's why I'm not saying that as like I want you to work. You have to work. I'm just being a realist as of being in this position. Oh, I know. And I've had like video scheduled during my vacation. because I try to keep YouTube consistent at least. And like my reels, obviously, because I do Instagram Reels. It's like my main short form content that does well.

Okay. Oh, very nice. Yeah. Okay. So then we went to August. August was also $4,500. That's not a good trend. But then recently September.

Yeah, how's September been so far? I've made $9,000. Very good. Where was the bounce up? But I also have like contracts that I can't. talk about right now with certain platforms and I'm also doing like contract work as well. So what made up the additional 5,000 though this month so far? So 4,000 last month.

Passes. Okay. So now that that's back up and running, people have converted pretty well to. Yeah. And my contract work. So which I can't say. Because I already asked, I asked, I'm like, oh, am I allowed to talk about this? And they're like, no.

No, no. We don't have to say who it is or what it is. Are you allowed to say financially? what you might benefit? Yeah. Like my contract work that I have right now, I make at least $1,000 extra a month. Okay.

And then... It's not very much. Hopefully it's not using a ton of your time. And I'm doing a partnership with passes as well. Oh, good. So... Oh, that's good. So, yeah.

So it's been about... It's been like six months. What? It's been like six months? Huh? It was May. Last time where I was here. May is not.

six months. Okay, it's been like four months. Yeah. Four or five months. And also I moved, so I want... Well, you can still four or five months. Why is this credit card? No, listen to me.

Before we get into this, I moved. And you know how much moving it? Everyone moves. I've moved every single year in my life since I've left high school. Really? Yes. Don't you hate it? Yes.

Well, except for when I was in my condo, that was the first time where I stayed somewhere for more than a single year. Yeah, but you like own your places. And, well, that's only recently. And still, for 10 years, though, since living my house, every single year I moved at least once. Okay, because moving with like having to pay like the first and last month rent and then the security deposit and then I have cats or the pet deposit and then you have to

I hired movers to help me move. You didn't have to. Oh, you didn't have to hire movers. I did. Why? Because I'm only me. You have friends here. I know you have friends here.

I'm seeing your friends here on Friday or Saturday. You've seen my cute little girlfriends around here that are not going to lift. stuff. And you know you have. You haven't seen my any buff muscular men going to, unless you were trying to ask me. You didn't ask me. I'm not buff or muscular, but you don't even ask me. Well, no, but you didn't ask. Exactly. I know you were that. You're busy and my other guy friends are busy. I'm busy and fat, but you could have asked. I would have appreciated it and ask. I'm not going to, I feel about asking for help. No, no, I'm kidding. But okay, okay, okay, okay, okay. Yes. Yes, yes, yes. And that's why we have money to be able to pay it, even still, I have to,

five months, you know, we talked about having savings on the side, stuff like this, you know, getting like a one month of merchandise fund, all those lovely things of which can help can help offset that. Okay. Yeah. You did not do. I had saving. I had more savings than I do in this pile, but I used them to pay my, because I had to pay

double rent for one month. Yep. So I had to use it. Which, okay, perfect. Like, that's what I, if expense like that comes up, that would be good. But why is the credit card? Why are we at 7,162 horrible death dollars? That's in my snowball.

That one's next. So walk us through where you've been in the last five months in your journey then. I paid off three of my cards out of five. And that's one of my biggest cards and it's not paid off yet. It's my second to last snowball. And do you have a one month emergency fund currently? No, but I have half a month. I get to a month because it's just risky.

It's dangerous. because eventually I have eventually I want you to be like a nine to 12 month emergency fund because you're like a business owner and on the content creation side it's so ebb and flowed if you've seen so I want that's like that's what I have and I want you to have that as well so that you're safe on the side I want you to at least have a one month emergency fund before we start aggressively paying off debt okay oh also um I wanted to mention I also spent a lot of money recently on furniture to furnish my house you did not have to do that um I don't want to hear it from you because I saw your financial audit and you financed all your finance. Yeah, because I can afford it though. Yeah, but you know why finance? I'm not against financing. Financing is a great tool for those who can leverage it. I used it because instead of dropping $15,000 down $15,000 in the moment, I invested it

and I'm paying it off before the 0% kicks in. You, we are in bad credit card debt with interest accruing, just dealt with a tax situation, have a half of a month emergency funds. Half of a month emergency fund. And you went and got furniture that, by the way, you hired movers to move furniture. So did we really need to go? Like, why do we need new furniture, though? Because I went from a small two-bedroom to a house.

Okay. So we wait till we're out of debt to get furniture. It's a want, though. The extra furniture is a want. You had the furniture you needed. I guess so. Yeah. But I wanted other furniture.

And I've been a little, I've been savvy about it because I. You savvy, what is this? You've gone from $6,800. I've been savvy. $67 of your previous balance to now $7,482 a card that's supposed to be snowballed, but you're adding money to it. How? You went from $6,800.

Oh, you know why? Because I'm still paying off my iPad. No, that's not why, because there's Apple Bell, Apple Bell, Tropical Smooth, Tropical Smooth, Taco Bell, Apple, Tropical Smoothie, Appleville, Tropical smoothie, Tropical smoothie. some big cartel thing and okay lemon insurance that's fine then apple bill tropical smoothie apple bill apple bill starbucks apple bill apple bill what are these apple bills ten dollars fifteen dollars they're probably they're like apple pay swiping out using buying stuff online with the apple

credit card you're gonna kill me you're gonna kill me you made it sound and this is the first time i'm seeing this page and there's a hairstock in my tongue i apologize this is my first time looking at this page i didn't even know this was coming but i was feeling it coming but you you set up the expectation. That was like, what do you mean? Of course, we're looking at your most recent 30-day statement. You can't just change things for two days and call it good. I can't diet for two days and say I'm on a diet.

And I'm doing well. I actually do have something for you. Here. I think you like it. But you spent money on this. Yeah, but that's okay. I don't want the other one. I got some for myself.

One's chicken and one steak. I guess I should see what this actually tastes like. I've never had one. You've never had it? I'm 7-Eleven, no. Really? They're so good. Okay, it's delicious and I would destroy the whole thing.

See, are they not worth it? No, not when you're in debt. What if you're hungry? Then you make that I actually did make a sandwich before I came here It was with cheese and spinach and onion And and meat

I mean You make the sandwich you want to make But you also went to starbies And all this $10 $15 $9 $9 $5 $17 All this is Apple thing So I don't even know what they are And I don't either That's bad

That's bad And I know But guess what Because you're going every single second of your life I also been track. A little kick to it. Yeah, I also have been,

I cancel a lot of subscriptions too. These are not all subscriptions, though. I thought maybe they were. Some are. Yeah, but like, unless you have like 30 subscriptions, I don't know. This is you swiping your Apple card or doing Apple Pay and it's coming up as Apple Bill.

You're spending so much money. That's what it comes up as. That makes sense in. Yes, you're spending so much money on a card that you can't even pay off. Yeah. That's true. True.

24.24% interest, right? Oh, I don't know that was included in this. What do you mean? Like, I don't know this page is included. No, yep, there's your finance, Apple, finance to Apple, finance to Apple. But yeah, that's just the last of my, um, my snowball. I know, but you're spending on it. If you're going to follow the snowball, don't spend on it.

Okay. And also, if you're in the snowball, trying to get out of debt, we're not going to smoothies every day. We're not going to Uber Eats. But also, I have something to say, August, was also hard because that was my first month switching from Fan House to passes, so I didn't have a lot of money at the beginning of August. So you put it all the

food that wasn't necessary. There wasn't a single necessary purchase on here, so you cannot justify that. What? There has to be at least one necessary purchase. Let me see. Lemonade. Lemonade insurance. Yeah. One. The rest was...

I have two charges. Yes. Uber eats, Uber Eats. $143 was squeezed from you. squeezed from you in interest. Yeah, I'm not proud of that. We're having this conversation because I'm your friend. I am going to your birthday.

My introverted being dragged out on Saturday. And I'm here to learn. You're here to learn. And this is the conversation I wish someone had with me a decade ago when I was and I'm doing it in the exact same way, tough love that works for me. So my dude. I'm getting a lot of tough love from your comments. I want to thank today's sponsor Opus.

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of your posts. And make sure you put your Instagram handle in your comments or description so that I can contact you if you win. Good luck to everyone and thanks to Opus for sponsoring this episode. Well, be nice. Be nice. We shouldn't. Someone came on because I watched your channel.

Obviously, I came, I originally came to your channel and came on the first time because I watched your channel for like a minute. And I was like, oh, he's from Michigan. I'm from Michigan. And I live in Austin. Anyways, besides the point, that's how I found you in the first place. And then I saw someone else go on your channel that was. like everyone's been so supportive and helpful in the comments.

Y'all are mean to me. It's definitely video video. You guys should always be nice because you're a for coming on trying to get help, giving us an update, putting your situation on display. Other people are going to relate to. So everyone should always be nice. It should be a positive, supportive area in the comment section, but I know it's hard.

I know it's difficult. And it's okay. I'm a content creator. I'm used to it. Yes, the internet is full of faceless name of asses. And that's something that is unfortunately impossible for anyone to control. But yeah. What's the better month payment on this, by the way?

Oh, $294. Oh, yeah, it is high on that. I forgot. Losing so much money on that, I'm interested. Hello, Adriana. Oh, so this one's paid off. We have a paid off one. How does that feel?

It feels good. Yeah, that's awesome. That's really good. So when was this paid off? Well, I did pay it off in June, but then I used it again. but I paid it off at the beginning of the month. Do you pay it off every time? Does it ever accrue interest?

I don't think so. No, there was no interest charge. So, you know, I'd be nervous with where you've been to do credit cards and stuff like that because you can easily fall into a trap. Wait, this is a different. This is American Express. Yeah. So, oh, I can't see the interest.

I don't think so. Almost kind of tastes like a hot pocket. Yeah, it does. So. You came back to that. Okay. Yeah, so I'm nervous about credit cards with you. Nervous.

Obviously. But, well done. Thank you. This is good. We can celebrate this. Okay. We're celebrating with the tequito. Yeah, the tequito.

Absolutely. I don't like that you spent money on it, but. It's okay. It was like, goofs and gags. I get it. Yeah. It's a business write off. It's in the video.

So the Amex. Yeah, that's, this is my last, no ball. It's your last snowball, but why are we putting money on it? Why are we putting money on it? Because a lot of things are already hardwired to auto pay to that. Change it. It takes two seconds of your life. I know.

Okay. But I'm also scared because what if I auto pay a bunch of things to not have credit card and then I go under, like what's it called? What's it called? What if I auto pay things to my debit card and then it overdraft? No, no. It's because you always, I would always have $1,000. in your checking account.

Okay. What? It's not the case right now. I have like $500 as of today. Okay. So I would just try to get to a point where we have $1,000 in your checking account. Okay. The minimum monthly payment on this, I'm trying to figure out.

The minimum monthly payment, last time was expensive because you're going to be mad. It was $300 over the limit. Why? I just paid it off. See? See? See? You may as well overdraft at that point.

overdraft will be worse because clear you know why because i did this clear it all it does it every year yeah where you go i know but if your balance was right there to begin with dude it's like because it got charged usually i didn't prepare for that there's just shouldn't you should but all these other ones that are on here anyway shouldn't be there oh you know why clear is on there because i got an american express deal where it was like 50% off the first year if you use your american express card so i was like okay sure cool that's great That's awesome, but we still have Prime video. Another Prime thing.

Amazon Prime and your Google storage on here. Again, if we didn't have these recurring charges on here and the minimum payment would at least be slowly paying this down and then maybe at that point when a $259 charge comes in, sure, it would bring it up, but would it go over the balance? Maybe not. I don't know. Yeah. But you're putting

on here, dude. So what's your minimum monthly payment on this? Because I can't see it. I would say like 300. Okay, I would say 300. And I don't know how much the intra. Yeah. Okay.

So what do we have here? Customized cash reward. This is my first ever credit card. Current balance is negative. So we're paying and think good. Because I had to use it a couple of times. So I pay it right away. That's why it's negative.

Beautiful, which is great. Which is great. I still don't think, well, we have those other. debts that we should be doing Uber Eats. Hulu, Amazon, Amazon, Amazon, Amazon. Well, I was buying furniture. I don't think we would be getting furniture, as we've clearly discussed. I got it from Amazon.

It was cheap. Fuck you. It was money, and you were overspending on a credit card that you already... If we can't pay off credit cards that we have, we are not getting things we don't need. Especially all that bullshit spending on the Apple card was fucked. Well, once you see my place, you'll be like, damn, for real. I promise. It's really well furnished.

Congratulations. One, I don't care about that kind of stuff. And two, it's like I would rather you be out of debt every single day. Every single day over me being like, but I also feel like it's like I'm living, like I'm working at my debt on my own pace because I've already, I've got, okay, listen. Your own page. Okay, let me finish. So I am working at my own pace and I'm also living. in a comfortable environment of my house

because it was all empty and not comfortable and what's the point of like going from an apartment to a house if it's just going to, I'm just going to treat it like an apartment. Why you go from an apartment to a house? So I can have more space, mostly to make content. Maybe you didn't need to do that yet until you're... Because I'm doing lifestyle content now.

Maybe you didn't need to do that until you were out of the bad debt. Yeah, but I... Mind you, you were over the credit card balance. Okay. But you're lucky because, um, Like you have like your niche and like you like are like happy with the content that you do. I do content but I'm not particularly ecstatic about it or passionate about it.

I'm passionate about my show. Yes. But I haven't been able to do my show because of my apartment is such a small space and I had it in like the smallest little space. So I'm going to push back on this. I know. Oh, well start with what you have is what you're going to tell me. And I did. And I did too.

I did too. It was in my little dining nook in my small condo with two rented cameras. But I waited. And not until you could afford it, though. I only got a studio when I could afford it. You didn't. You're losing $500. No, no, no, you're losing $6,700 on interest a month in the cards.

And you were over a max on a credit card. Dude, this is, I'm not beating you up. This is out of love. I want you to do better. Because imagine you being able to fully focus on your content creation because you didn't have to worry about debt to pay off. Yeah. I guess I just get too excited when I get passionate about a new project. So I just wanted to happen.

That's fair. I get that with real estate. I get that with real estate. And, you know, I made some impulsive decisions that I'm learning, you know, to deal with. None of them have been, have negative a way affected me because I'm still relatively smart about them. But yes, I at least get that concept in the mindset around it. I'm just, we're not spending money from including that furniture until we are out of bad debt. No more.

Just prioritize. You're free to make any. any content you want to make when you don't have obligations to a debt company. Yeah. Right now you have obligations. They're holding you back. I guess it's just like the struggle with content creation. It's like I...

Talk about it. I have had like this niche, but I want to venture into different niches and different audiences. How would you describe your current niche? My current niche is Omigal and like, what's it called? Like improv audience work. So I'll, like, go to the bars, and I will, like, interview people and, like, make jokes and, like, kind of, like, troll. And then I'll do the same on Omigo. I'll, like, come up with a character.

Like, oh, I'm going to be Weeb. So I'm, like, I don't know Meagle, like, saying all this Weeb stuff. You know what a Weeb is? You don't know what a Weep is? You're not that much older than me, I found out after watching everything. I'm 23. Oh, I'm not. And you don't know what a Webe is?

It's, like, a fan of anime. That's, like, kind of cringe. And you're like, me? You know? Okay, anyways. But I just make up characters and then I'll go on Amigal and see how people react to them. So that's what I do. And I like it.

It's a creative process acting out as a character. But it's just like a rinse or a peat kind of thing I do, which I'm like fine with it. But I want to do content that makes me feel more fulfilled on a creative level. So tell me about that. What do you want to do? So I like production. So I really like my show called Dr. with a jury that I haven't like done this whole year because of the money really like I've just

paused it because I haven't done it since February because I can't really afford to do it right now which makes sense and um I like coming up with a production and a talk show where I like bring my friends on and like other content creators and we talk about like the industry and we talk about like it's like you put down like the like content creator wall and you just like talk like people like that's the point of my show which I really am passionate about and then I want to make content that it's just more of the content I consume, you know, like commentary and like, um, like creative. I don't know.

I don't, I've had, I have so many ideas, but I don't have a way to execute them yet. Yeah. But I think I should. Don't you think you get more freedom to try those new ideas if you do not have like a, uh, $600 a month obligation to a balance you've accumulated and you continue to accumulate? I feel like. The thought of credit cards has never really hindered me. Because I know a lot of people have really bad anxiety of holding debts and a lot of the comments I've seen you guys comment are like,

oh my God, I could, I'm stressing over $1,000 and this girl has $11,000. It doesn't really put me in a state of anxiety having this debt because I know or I have faith that eventually I'll be able to take care of it. What? There's, there's some. And I'm working toward that. There's some quote in the world of faith, and I'm not going to get it right, but it's like faith without action is like. Did you see how much I was making last time a month versus now? I also saw you putting $1,500 on the apple card that's having interest get charged like crazy.

But I've also paid off cards and I've made a lot more money than last time. You've made progress, but I am not one. It's only been for months. I am not one. It's been five rounded. And you've told me that it's going to take years for me to even like touch the credit card. Sure. And I've done it in four months.

Listen. Five. I am not one person. I am not a person who, if I care about people, I am going to excuse bad behavior, though. I celebrated the cards you paid off. Like this card, this is awesome. This is great. Yeah.

Thrilled. But if we just sit here and say everything's perfect, everything's fine. I'm not saying everything's perfect. No, no, no, no. But if we don't call out what's more disastrous. Yeah. I'm not doing my job. I'm doing a disservice.

and I'm not doing to you what I would do to any friend or what I would want someone to do to do to me. Okay. So I get what you're saying. I do. I want you to have more creative freedom. And for what it's worth, yes, you're right. I've been incredibly blessed.

And it's all thanks to these amazing people. I've been beyond blessed. But I kind of get what you're feeling. I'll be honest. In general, I actually really don't like this job. I mean, that's what happens when you take something that you have as a hobby and you turn into a job, it feels like a job. It's a little different from me.

I love these conversations, and I like working with my team and all that stuff. I don't like the online pressure. I don't like even, I'm very blessed to have an audience because it pays the bills. The number next to it gives me a lot of anxiety. There's a lot of people. And the bigger you get,

the more people out there, random people, you'll never make, assume that you're some evil person who's, you know, doing whatever and all this crap. And that kind of stuff, it gets to me. It gets under my bones. And I, so, no, I get what you're saying.

I really do. I can relate. It is really hard. I mean, like, the comments I've gotten on the last financial audit I was on, it's like, most, they're very misogynistic. And it's very like, oh, well, she should just start an only fans. Or, oh, well, she'll find some dumb guy and he'll take her under your wing and put a baby in her. And I'm like, why are they saying?

That's, like, quote for quote when I just read recently. But it's like, it's like to the point of my therapist. just told me to stop reading the comments on the financial audit because they it's like you can't, it's easier said than done. You know what I mean? I can sit here and say like, you can't let it get to you, but it does get to me from time to time. If I'm having a bad day and I see something that I probably shouldn't have even looked at for my own mental health, it like throws me off the edge and then I'm crying and watching PLL all night and not doing my work

whenever should be editing or something. Yeah. And especially with you because didn't you say you just started YouTube? Yeah, it was like a year and what a few months ago. Yeah, and I've been doing it for like, like consistently as a job for like three or four years. So make sure you're being nice. We got, we've been called out correctly. So for there being some more toxic stuff in the comment section like before, it's gotten a lot better.

You guys have been a lot better. And I think it's because we frame it in a different way where, I mean, it's very clear. You're a fucking bad being on here and trying to get help. So the comments sections have gotten a lot better and I really do appreciate that. Honestly, from the bottom of my heart, I really do appreciate that because I know the do as well because they're here to get help and they're here to help people out there. And I am sorry that especially then before we started making that proactive effort that the comment session sucks about.

You can't apologize for your audience because I have people in my audience, might attack people, you know, if I go on their show or whatever. Like you can't really control, I guess. You can like set an example for your audience, but you can't control what your audience does. So. Sure. Anyways, so a little side note. So, yeah, again, I want you to get to the place where you can.

experiment with new content and do the content you want to do i'm blessed i'm doing the content i want to do i want you to be able to do that as well um you know i get a thrilling reward of being able to see people in the comment section and in our email and people who come back on the show or just keep us updated you have paid off their debts and i get so fucking excited and i want you to have that thrill with whatever you're doing and what you want to do yeah you can get there let's get there quicker by not putting balances on our credit cards. I can't promise you all be perfect, but I... The only reason I don't like that, and I have to push back on that, is because you're

setting yourself up for potential excuses. Don't set you off for excuses. No one's ever going to be perfect, but when we say that out loud, we say, oh, it's okay that I'm not perfect right now, swipe, so, swipe. I've actually, I'm not going to lie, I have cut back a lot. I know it doesn't look like it, but in terms of like my thought process when I go to like, oh, I'm so hungry. I might want to order food. I will, like, cook more often.

You know what I mean? The goodness is when you're out of bad debt, have a fully funded emergency funding, you contribute to 20% to your retirement. You want to not spend. I know. Not that. You have 30% of your money that you can spend on whatever the fuck you want.

I don't care. We're just not there yet. So you paid this off. Again, this is awesome. I still wouldn't be doing the bull purchases that are on there, especially that furniture and the Uber Eats. And for everyone watching, the balance was $3,500. So that's good.

I mean, that's really, really good. This is my, this is. You were paying people through this, right? Yeah, I pay my editors through my PayPal credit or I'll, like, do my, what's it called? Like, not copyright sounds for my music. Yeah. I will do that through this. You pay this off every month?

I was carrying a balance the past two months because I was in a lower time in my life. But it was 700, but now it's zero. Good. because I started making more money this month. So I'm a little nervous having access to credit. What we do instead is we have big emergency funds to get us through those situations. But, yes. Okay, so let's see here.

I think we have a checking account balance. Yeah, you're like, yeah, just under 500 bucks. I'm squinting because I'm trying to see. PayPal stuff, some IKEA, probably from the moving, IKEA, Mooney's Burger. Dutch pro. Okay, so remember, almost every single day on that Apple card was you getting some eating out. And then we're coming on here and we're continuing on here and we're continuing. You know, there's Venmo's out.

But look at my income. Income's great, but we should. But I get, no, I'm saying, I get, I get, I'm saying, I get, I get, I'm saying I get paid like a lot of different, um, I have a lot of sources of my knowledge. That's great, but that money should be going towards paying off debt. And it has. Not all of it has. But it should. Because you wouldn't have to deal with this right now.

I know. No, okay, right now, maybe, but you're going to have to, you're going to have to deal. Don't, you don't excuse, don't excuse. Don't justify. No, because I am. I'm going to justify because you didn't need to buy the furniture you didn't listen for the furniture buying the furniture right and then when when I moved I didn't have my kitchen completely packed or unpacked so I was ordering food it's called unpack it and pack it like an adult I know

what you can't use your own laziness as the reason why not you know I'm not going to allow that Come on. Come on. We know each other. You're not going to, you know I'm not going to allow. But that's just, that is the reason, though. Being lazy or not, that is the reason. Yeah, but like, that's a terrible reason.

Okay. Yeah. And I agree. Good. Throne gifts was a deposit. Oh. Mm-hmm. Throne gifts, a deposit.

Okay. Chiquis, chikis love. What was that? I don't know. Coffee. Red Robin. Oh, the Red Robin. It's only $12 because it was my birthday.

And, um... Happy birthday, pay off debt. I got a free... I got a burger, but I had to buy a drink and tip. It's an expensive drink. Well, I tipped. Yeah. Happy birthday pay off debt.

Uber, Uber. Atlanta Air. Oh, my God. Oh, my God. I'll tell you this. Louis Fish. I'll tell you why. I'll tell you why.

Okay. So my... It's a meeting out here. My friend was like, please come to Pax. And I was like, all right, I'll try. And then as my, it got closer, I was like, I don't think I can financially do that right now. And she said, don't worry, we'll pay for your Airbnb and all your food. You just have to buy your airplane ticket because I get invited to Pax, you know,

because I'm gaming content creator, whatever. So come down to it when I was there, I was like, all right, because I had like no money, mind you. I'd like nothing. And she was like, sorry, like my sponsor didn't pay me. So I can't pay for your food or anything. And so we were splitting Ubers, which were like $40 each. And I was like super stressed and sad. I didn't want to like pin on her because even though I made sure multiple times beforehand,

I was like, are you short? Are you short? Because I don't really like to rely on people for that. Because like growing up, like I had no one to rely on. So when I got there and I had to pay, it was just, It was very stressful for me, but it was not in my control. And I want to throw her under the bus because she said she didn't get paid by. I'm puffed up and Sakey House and Suggat soda, no bistro.

Like, come on, we're eating out a lot, a lot. That was for my trip. Yeah. Then we have. It's my bills account. Yeah, it's for bills. So the other one is a few. It's my spending account.

We're not, we're just, we're not spending, though. I'm just, I'm a little concerned. Why, how did that not get across last time? You shouldn't be spending money on bull. But sometimes I'll be out and about and I have to spend money. That, what? Like groceries? I spent that.

Did I read off a single grocer? It doesn't matter. It does. It does matter. I guess there was any grocery chips recently on that card. No, because I don't call it grocery chips. Ghostro chips are okay, so I didn't call them out. All that I called out was bull, though.

That shouldn't be dune. Okay. You're right. You're right. I'm listening. I'm listening. You're, okay. You're listening, but I don't think you're going to, I don't think you're going to do anything because you did it last time. You've made progress, yes, but you shouldn't have made progress choices quick. Just a quick reminder that you have until the end of today to fill out the survey near the top of the description below. Four people will win $250 that we'll send directly to you. We're just trying to learn who our audience is and then we're going to be keeping you up to date with exciting things going on around here.

So don't forget to fill it out. Love you all. Thank you. That's kind of unfair. No, it's not. Because you said, okay, yeah, I have some spending, whatever, but I also have made twice the amount of income as last time in the video, and you said it would take me years, and it hasn't been years.

If your income goes up, that part will go quicker, but I'm just doing relative to the money that has come in. You should have gone, at least the third is quick. So, I mean, you, 30% quicker. But you were just spending all your money on, just bull. No, this isn't. This isn't, no, these are bills, these are bills, whatever. But,

What you're choosing to do, lots of Uber trips. Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber. Is that in the August? Overdraft! Overdraft! Overdraft! Wee-woo, we, woo. Overdraft. $10 overdraft. Let me see it. Because that might not be for me. Okay, so you overdraft for a reason, which I am not happy with.

I'm not too. And fix it. Fix it is all I'm going to say. Fix that. That's stupid. More Amazon. Fitness, that's good. Are you still doing that thing where you go and get a bunch of needles and liquids in you? Yes and no. I don't do it because I don't really have to, because I don't really drink anymore.

But I haven't canceled the subscription. That's not good. I know because I tried to and they're like, you need to give us a heads up 30 days. So it should be next month that won't be there because I tried to cancel this previous month. but then I had to give it like a month advance. Can you bring in $10,000, but then again, are you setting 30% aside for taxes? I was.

I said 20% aside. No? Why 30? I don't think we're in the same tax bracket. No, because you're going to have to pay things like self-employment taxes and everything like that. Yeah. Top tax bracket is like almost 40.

So it's like, but I want you with self-employment taxes and everything. I write off. Sure, sure. But wouldn't you rather be? safe. I guess so. Instead of having a fork over some money that you're not expected. I know.

It might be under there. I don't think so. I sent it. Oh, 900. Oh, yeah, my little. All right. It was more and it was in the high yield, um,

4%. Is that correct? 4% high yield. Well, I don't know. Was it 4%? I don't know. 4.5. It was when you recommended me.

Oh, before? Yeah. Oh, okay. I use SOFi now because it's 4. point five percent but um will i get penalized for switching no two thousand seven hundred thirty five dollars on rent it's a lot wait okay i pay half of that okay so you pay good good i was going to say because after you set 30 percent aside for taxes which you need to start doing honestly these next few months i need to start setting 50 percent aside for taxes to catch up for the previous

months or else you're going to have a scary tax situation again i don't want you to pay penalties and all that stuff and then you're going to want to start doing quarterly next year okay Okay. So good, you pay half of that. That's within your budget. Transportation, 5.8% of your spending. Medical, and I bet it's that thing that you haven't canceled. Well, there's also the dental, the dental. Yeah, I had a fractured tooth.

You're lucky you're bringing in a good amount of money. It was 5.2% of your spending, but all the extra miscellaneous stuff, which, by the way, it was probably eating out all those apple swipes. That's the big one? That's this extra. Other large purchases, something for Key Bank. latitude restore. Oh, key bank is my car.

Latitude is my old. Two men in a truck. An oil change clear me. A lot of $668 of Amazon. Lots of PayPal and out. A lot of that for work. A lot for splitting things. Big cartel.

Oh, yeah, that could have been for work, splitting things. Yeah. And then Apple charges as well. So your BS food is likely actually closer to 10%. Yeah. 10% of your spending went to. But in 10% doesn't sound like a crazy amount. it's not.

And when you have no debt and a fully funded emergency fund, it's not. But guess what? That's 10% of your spending that could have gone towards debt. Yeah. But the extra other things were like my car and stuff, so they should be in the other type of works. Do you hear me being upset about those? Yeah.

No, I know. No. So, sorry. The extra stuff. Then spruce, tiny aquatics. You know, Don? No. Don's cool.

He's the owner. I knew someone who worked there, though, who was actually a streamer. Who? Worked or works? Worked. Do you know John? No. Sounds pretty cool.

He's like the big dude. Maybe because everyone there is super friendly. Oh, so I'm always talking to everyone in there. Really cool. But yeah, I just got. Non-paid sponsorship.

I just got a bunch of plants from them and just some soil. The soil is how expensive. Yeah, aquas soil. Definitely quite the expense. Then Ikea and stuff like that. So, I mean, you spent a good amount of your money on. And probably about 10% eating out and getting like drinks and stuff like that. Just the juices, the smoothies.

So again, not a crazy percentage. It's just that could have gone towards debt. You're elongating your own pain in your own situation. That's what you're choosing to do. You'd rather have a little temporary fund now instead of getting rid of the debt aggressively and then being able to live up your life. I could be getting rid of it aggressively.

And I would because then you can live your life. Then you have lower risks to try the other new shows. You can just do the things you want to do. $10,000 comes in. What's your portion of around? rent? $2,350 divided by... I got $2,735.

Oh, but that may have been utilities and stuff. Oh, it might be then. So just divide that by two. It could be utilities because I just... Rent, mortgage, water, utilities, and electric. Nope, that's okay. So do you split utilities and all that stuff, too? 1350 divided by...

One second, do you split all that other stuff too? Yeah. Okay, then I'll just do the total. Okay. And we have to hire pest control right now because we have a scorpion infestation. I'm surprised that the landlord's not taking care of that. I know. I texted the...

them and they said, oh, whatever you have to do to be comfortable. I have, that's weird. I have a few properties that I've renovated and then rent it out so that people, you know, they want places people would want to live before. But either way, whenever there's issues like that and stuff, I try to be, you know, really responsible and respectful. Yeah. It's a new house.

It was built this year. So that's why the scorpions are there, apparently, because we did some research. It says that new houses are more likely. I have a new house. I have not seen a single scorpion. Well, if it was built. I have pest control, though. Okay.

So, I guess. I've done a DIY pest control, but it's not what it's terrible. No, no, probably not. Okay. I tried going the cheap route. Okay, what is internet, phone, all that? My phone bill is, I think 100, but I'm paying for my mom's right now. How much is that?

So, $250. Total? My mom and my brother, yeah. Okay. and roommate pays for that. Okay, so $250 for phone. Okay. Your debt, looking at $600, essentially.

Yeah. Car insurance? My car insurance is $250. All right. Whatever the food situation is at home and all that stuff, you're allowed to contribute $300 a month to the pile. And then you have, because I know a lot of it has to do with work and stuff like that too.

I'm going to give you like, whole paper and makeup fund, all that stuff, 200. It's usually... Yeah, that's fine. Usually I do 100. I also recently, I don't get my hair done anymore. I did it myself this time with a box dye, which is so bad for your hair,

but because of what you said last time, because I used to spend $400 getting it done. Oh, well, that's a lot. So I... But I know women's hair is very expensive. I did it myself. and I've been drinking out less. I haven't really gone out ever since.

And, yeah. What else is in your monthly thing? There are some insurances. We'll call them 50 total the lemonade. My car, I guess. Is there a debt? It's, yeah. I forgot to include it, but I owe $11,000 on it.

So it's the same as my MX. But you said I was in the better half of the loan because it was really... Oh, what's the rate? I forgot. Eight. Huh? 8%. Oh, you're in the point where the vast majority of your payments are going to principal.

I've paid much of it out, yeah. You've paid the interest, okay. I know it's a lot. I got it when I was 19. What's the monthy payment? Um, 400. I was going to give you $50 for something. What was that for?

Makeup hair. No, that was $200. What about gas? Oh, 50 for the different lemonade insurances. Oh, yeah, because that's my pets. Yeah. I don't know how much I spend on gas because I don't really drive that much. 90.

That was what we had. Yeah, that was my one time I filled it up. Cancel everything else. Other subscribes. Except for business stuff. Business stuff is good. Yeah. Also, I need a business to pay my editors.

How much goes into business? Let's just put it all in one for simplicity. Okay, I pay my editors 175 average per video. How many videos? a month? It can range from... Let's do average. Let's say three.

And then for shorts, $60 per short, so $60 times three, two. So 1.75 plus 60 times three. Okay. Any other business expenses? How much is it? 705? Oh, that's a lot. No.

You make $10,000. I guess for business expenses, I guess makeup kind of plays into that. I put that in your TP fund, so it works. Or, like, props or anything I need. to buy for like a stream I guess but 100 bucks a month with that cover out yeah so let's call then 805 and then let's call you have other subscriptions and stuff for the business purposes but you're fine as well so that's 805 this is rounded to a thousand for business that's how much it was last time was it oh cool um okay so let's add up your budget and i get $50 more for food now because last time

it was 250 inflation baby inflation let's go You think inflation hit that first? You know the dollar store? That's what I'm allowing to contribute to the dollar store is now the dollar 25 cent store. Did you know that? No. Isn't that like absurd? Yeah.

I'm surprised they didn't just lower the portion sizes. Yeah, it probably did that as well. In five, there's no such thing as a five dollar foot longest subway anymore. Yeah, I did know that. That's been a while though. So you easily. have $5,500 left on a monthly basis. If you bring in $10,000, which this month you're definitely protected.

Yes. If you're not around and you're fucking around. So stop it. No, because my extra $5,000, I guess you could be like, oh, you could pay $200 debt. But I've been buying furniture and I've also had my extra moving costs. And guess what? Stop. So $5,500, dude, one and a half months, Apple Card is done because you're not spending a single cent on it.

It's literally as easy as that. Sure, the income might be a little less. Sometimes business expenses might be a little more. But on average, month and a half, month or a half from now, dude, the Apple card is done. The Amex card is done in just over two months. And then the car, I would just because... An additional two months from the one half. Yeah, so at that point where...

So three and a half. Let's call it four months. Let's call it four months total. Just be conservative with the income fluctuating. the car, you're right. You're on the other side of it. And I was just trying to finesse things. But what I want to do for you is I want to make you not have minimum monthly payments.

If you don't have minimum monthly payments, you're not obligated to other people, meaning you can take more risk on businesses. Last time I was, I knew I was aware, but this time I'm more fully aware of you wanting to venture into different things, which might take a business hit. Without those, the thousand hours you have in minimum monthly payments, we're just trying to fully get rid of them. that you don't have to worry about those things. So in another, let's just call it three months,

just to be super conservative, the car is done as well. So additional three months from that. It'll take six to seven months. So that's four, five, six to seven months. Okay. And then it takes minus the debts, a thousand dollars.

Also, I did not take your advice for something. I still have $4,000 in my Robin Hood. But it's in the SMP 500. I mean, that's fine. I know it's, it's like, I'm growing. But it's also my interest rate.

It is. It is. The S.V.500 has done great this year. It's not even coming close to beating the 25% on Apple. So it doesn't make sense. I realistically could sell it, but I'm scared to sell it because I'm scared to even touch it. Fine. Do this in seven months and you don't have to.

Or you make it go even quicker. That's up to you. Then from there, what I need you to do is at least a nine-month emergency fund which is $31,500 in a high-yield savings account at all times while setting 30% aside for taxes, which we did not account into this equation. So you're right. This is actually probably going to take... nine months until you're fully out of the debt because you're setting 30% aside for taxes

nine to 10 months and you're fully out of the debt so that's when we're doing our next episode sure okay and just keep me updated along along the way just like everyone else but um 31,000 you never asked for help along the way though a lot of people ask for help you didn't ask for help or advice I feel like I feel weird asking for help because I know this is like your content it's more than that though you know I mean because I originally okay let me let me let me be clear I would do this if I was not, if I was, if we weren't making videos, because I love this. Okay. Because I, I'll tell you what, for the first financial audit I went on, I went on the show primarily

because I was going to buy your $300 little private session thing. So it wasn't public. That was a long time ago. But then I was like, I'll just ask him if I can go on the show. And then you were like, are you going to come on my show? And I was like, if I'm invited to, I will. So that's why I didn't ask for help because I, I don't want to like take advantage.

You're not. You're not. Anyone who's a guess. This is, I think for a lot of people when they're looking through a screen, it all seems fake and all that stuff. And I get that. Well, because I know how, like I've been in so many different shows.

I've been so many different. We're busy, but I have a team now that helps. So we want every single guest along the process because the most rewarding thing in the world, regardless of the income that comes from this, if you get out of debt and you live your amazing life, it'd be incredible. So not for a single second.

Do you think, I don't want you to think, for a single second that you can't reach out for help or advice. Okay. Always. Always. Always, always,

always, always, please. So in an additional, oh, that was like five or six months, I needed you to save up 30,000 hours for a nine-month emergency fund. And then you're perfectly fine to 50, 30, 20, 50%,

I need 30% on wants and 20% on investing. Okay. Always 30% set a side for taxes, though. People always ask me, what high-yield savings account do I use for my, own money. Some of you know by now it's so far. I love them. It's great for my checking account needs. It's great for my high-yield savings account needs and right now I'm getting 4.5% interest on my monies. I love that rate on my monies. So if you want to

get a great rate like that on your monies to check out the link in the description below. I have a paid affiliate link there. You can get bonuses all the way up to $250 and I took advantage of that and you should too. Okay. 30% Yes. Okay, fine. Because I was going to do 20. In fact, if I'm not mistaken, so you're right. I did, we had conversations about 20 last time and stuff like that.

But I think our boy Graham reacted and he was like, no, she could get into a dangerous situation. She should do 30. And she called me a millennial. Yeah, you're not a lawyer. I'm 23. I'm on that edge, though. I fall into neither categories. Well, I want to say you're not millennial, but you didn't even know what weeble was.

Weebel? Webe. Like what the web is? Like you don't know a lot of internet. I don't know. Gen Z say I'm a millennial, millennial say I'm Gen Z. I guess you're on edge. Yeah.

I'm in that weird hybrid. So either way, that's what I think. I think in a year, if you do this right a year, year and a quarter, fully debt-free, taxes are always paid for. And you have a nine-month emergency fund. And you can just live the best life ever. How do we know what is emergency and what's not? emergency is like okay something

so let's say you always have a thousand dollars in your checking account right and something like a car happens or something medical happens you know anything like that i know exactly so when that happens and it goes above that a thousand dollars in your checking account then you use your emergency phone to pay for it but then you don't have fun until you refill that emergency phone until it's back up to normal and then you resume life okay so it's there's safety net car breaks down you go buy a car like fully breaks down, you know. And then I buy, I don't finance it?

I would not finance. Okay. No. I don't know if it's like... Again, as you said with like me and my financing furniture, when you're very financially savvy, there's ways you can finance cars and technically squeeze out an extra 1, 2% on your money overall.

And I like doing that for the average person. It's not right. I don't know specifically if this is a thing with taxes because I'm not really educated on that. Hence why I'm on the show. But with taxes, isn't it like if you have a heavy car, you can write it off? Yes. Because I have a Land Rover.

When did you buy it, though? In 2019. Definitely work with your CPA. Definitely work with your CPA. I think I mentioned that to them, but they're not really hands-on. They just, I just sent everything over there. You might need a new CPA. I might, but I'm scared.

It's really hard to find one to understand social media. So you can manipulate some things with your debt. Oh, also I was going to ask. how your omigal experience was. Oh, that's right. So she convinced me to go on Amiga once. And I thought of potentially doing a show out of it. I think that you should come on my video.

Sure, I'll do it. Okay. I'll do it. Way too many shlong-dong-a-dongs for me personally. And that was pretty much the experience. And I figured out if I'm going to make a show, probably shouldn't have things flopping all over the place. Yeah, but you would just censor it or cut it out. You went on a live show?

I do it on kick because they're not as strict if we accidentally see, if I actually see a penis, I'm like, ah, and I skip it right away. I don't want to pay my employees to have to censor dongs. I know my editors have a fun time with that. It was whatever. Yeah. Not for me. Okay, well, who knows?

Maybe you'll find love on Omigal. But I'll be on your show, though. Yeah. I'll do that. We'll do Finding, Finding Caleb Love on Amigel. Finding Caleb 500 Dongs on Amigel. I mean, if you're into that, you can find that too. You can find anything you want on a movie.

I think everyone finds that on aomego. But yeah. Any final thoughts? Any final questions? I probably do have questions, but I don't know of them right now. That's totally okay. Well, we're all, yeah, don't hesitate to ask. Let's get you out of debt.

Let's get you to have amazing in life, yeah. Oh, our next podcast. Yeah? Or whatever this is. This is a podcast format. Yeah. People consume it as a podcast. Yeah.

I do when I'm like full and closed. I don't have any questions for the video. You said our next podcast. Oh, yeah, when is it? Oh, whenever you want to do another update, whether that be six months or when you're out of debt. I didn't know I'd be coming back so soon. Yeah.

I won't even lie to you. But I'm glad you did because I think we caught some. Come on. And I was like, okay. Yeah, why don't have you on? You're the third most viewed video. We're friends in real life. So we may as well.

We may as well. record another episode, but I'm actually really glad we did because I didn't have access to your finances before those, you know, obviously. And hopefully we caught some, lots of justification and lots of things that you can get out of this a lot earlier instead of stretching this out to two to three years. I agree. I will try to get it done. All right, for Adriana, making progress. Obviously, she could be doing a lot better. Her hammer financial score, actually, don't remember from the original one. Curious if it raised. It will be raising really soon she gets out of debt for the spending in the budget that was just insane it was

insane it was insane I'll give it a one out of ten luckily it's because her income is so strong but it was still really bad debt two out of ten emergency fund at least there's something a little there one out of ten retirement a little bit in single stocks wanted to know it was a s mp 500 but a little bit in robin hood one out of ten real estate not a part of the conversation yet zero out of ten so that's going to be one out of ten and don't forget to check out all the resources linked in the description below they are what i use or would use the specific situations If you want to be in an episode of financial audit and you're able to make it down to Austin, Texas. Fill out the survey in the description below.