Financial Audit - Entitled Brat Is “Too Good For Work” | Financial Audit

Episode Date: June 28, 2024

Learn more about your ad choices. Visit megaphone.fm/adchoices

Choice Hotels get you more of what you value. Here's a little tune to help you remember. Same drive, different day. Don't you wish you were getting away? Pack your beds and come on through. Texas, Ohio, Alaska, we're up there too. Comfort in. It's calling your name.

Save on the stay. Oh, and free waffles are yours to claim. Well, I hope you like my little song. Book direct at choiceotails.com. To watch episodes of Financial Audit a week earlier, check us out on YouTube. It could be worse. I'm trying my best. Are you?

As best as I can. How many hours a week are you working? So I'm working 36. You're not trying to first. That's exhausting, though. You're kind of acting like a child. Like an entitled child when it comes to this work. You do have to work to make money.

Are you going to live off of? Not my parents, because they're not supporting me right now. Why should they? You're 23. Hi, my name's Olivia. I'm 23 years old based out of Austin, Texas. And this is financial audit. What do you do here in Austin for a living?

So I'm a medical receptionist for a surgeon's office. Cool. What are we making? About pre-tax, $29,000 a year. Okay. Under 30 in Austin. 30,000, not age. How do you feel living in Austin? It's okay.

I know compared to like New York or Boston, Seattle, San Francisco, L.A. Yes, it is cheaper. But compared to the majority of cities in the United States, Austin is a pretty expensive city. Wow. Is that salary? No, it's hourly.

What's your hourly? Hourly is I just got a raise to 18, 18 an hour. You know, Austin, that's actually, this was not like full concrete, hardcore research that I did, but I compiled the list of job openings of the lowest, like, low, income level job openings are really paying like fast food service boxed shelves just to get an idea for things were at and when you know putting that all together the median lowest paid openings in Austin are is 18 hours an hour you just got a raise to that yes I have considered switching careers to food service because to be honest it does pay more than what I'm making now

and that's what you want to do as a career food service I don't mind you it. Okay. I've worked my share of food service jobs and I like it. What are your goals and ambitions? What do you want to do? Okay, nothing wrong with working in food service. I'm even close. Typically, you don't hear someone saying they want to go fry Nuggies for those of their life. Yeah. If you're bad at math, frying Nuggies isn't too bad. But I'm actually in the process of getting my real estate license online. Yeah, which is also not really. what I want to do, but... It's not the best time for it, specifically.

Yeah. Because everyone was making money during the pandemic when rates were low. People are selling and buying, selling and buying. And now things are a little slower. Austin areas up 1% year over year, and year to date it's up like three, four percent. So it's like, we're starting

to, you know, we hit our, what looks like the bottom and things are getting a little and rate cuts. There might be one rate cut this year. Even still, it's definitely harder to get into. Do you have a lot knowledge in the real estate space? Well, that's why I'm working towards this license. I'm hoping for, you know, a turnaround in the real estate world. So I'm doing, I'm doing what I

can to try to get ahead without. Yeah, but what do you know about it? Do you know anything about it? I've realized. That's why I'm learning. Okay. So what makes you interested in it? Because a lot of people, they're interested in real estate, they get into real estate because they've learned about real estate and they like it. Why are you choosing to get into that? I mean, I've done, kind of like general looking around as far as the career itself, you know, like entry-based salary seems livable as far as... Is a realtor? Yeah.

Okay. The stress, like stress level as far as working as well as a flexibility. You know, this is a heavy commission job. Oftentimes that means you have to move inventory to win. You've got to sell either on the buyer or seller's end. And that is stress. I'm in the real estate world, not as a realtor, but, you know, I have a large real estate portfolio in terms of rentals.

It is stress, the real estate world in general. I think you're looking at it a little bright and started eye. Either way, okay, so $30,000, that's pretty hard in Austin. It looks like, in general, you bring in on average $2,000 a month. Yes. That's hard. Is this a single household income? Yeah.

I live by myself. What's your rent? So it's 919 right now. Well, that's basically half your income. It is. And it's going up when I renew my lease in a few months. Which is why real estate is one of, you know, kind of the easier courses you can get into to try to do something to make more money. Well, is that literally the only intention?

because, again, going into something that is so commission-based, usually if you don't have at least a bit of a passion for it, you're not going to make, I can gift you a tech certification to course careers. I can gift you that to add your resume and stuff. I've checked out course careers. I wasn't as interested, and it's not that I'm not interested in real estate. I am interested, and it's something that I can see myself being successful in. But you just made it sound like that's one of the easiest certifications.

So that's what I'm doing, one of the courses. Not that it's easy, but as far as accessibility, because I don't have extra, money to put towards school right now or anything. Community College, Austin Community College. It's like almost, it costs almost no money. Then again, then again, for the Austin area, you basically make almost no money. Yeah. So I'm trying to.

Well, Austin Community College, I think they have programs for people in your income situation. I was going, um, fresh out of high school. I went to ACC and, uh, it's $85 a credit hour at ACC. Yeah. I mean, that's pretty. I have. Buddy, that's $1,000 a semester if you take 12 credit hours.

Which in my situation isn't super doable for me. I know, but that's like a thousand bucks twice a year. I think we could do that. And even if you had to borrow for that, like if that really increased your income situation, like a federal student loan doing that for two years, $4,000, that's not the deepest end of the world if that doubles your income. Yeah. And then there's also the issue of I work full time. I work all day, so it's hard for me to take time out of my day.

It would be evening classes or it would be online classes. Like, I mean, you're not the only person in the world that would have done it. Like a lot of people that are my mom did that. She's worked full time and then did college a night to try to improve her situation so we could live a better life. A lot of people do it. I mean, do you have a kid? I don't. Okay.

So you have some time. I've got a dog. Okay. I have too. I know you have time. Expensive. Oh, okay. Yeah.

Have you ever Googled yourself? I did, and man, the amount of personal info floating around is just mind-boggling. Data brokers are out there selling our details, names, emails, addresses, even health records. It's all up for grabs. That's why I've been using today's sponsor, ORA. This gem shows me exactly which data brokers have my info and helps me send opt-out requests automatically. But it's not just shady data brokers putting your information at risk. Sometimes it's the companies were supposed to trust.

Did you guys happen to hear about the AT&T breach? Over 73 million records spilled out into the dark web. They recommend those affected to use strong passwords, monitor account activity, and consider credit freezes or fraud alerts from credit bureaus. This is why I've been using ORA, today's sponsor. They do all of this for me. I don't have to download several different apps

just because a company couldn't keep my data secure. So whether your data is being sold or leaked, ORA has you covered. Here's what you got to do. Go to aura.com slash hammer to start your two-week free trial. Don't just take my word for it. Check it out for yourself and take control of your online presence today. It's peace of mind, people.

Thanks again to ORA for sponsoring this video. Okay, so what would you self-assess your financial situation? Zero being the absolute worst, 10 being the absolute best. Where do you think you are right now? I'm going to give myself about a three. Why are you three? I don't think it's the worst that it could be. It's what everyone does on the show.

And then they think their situation's okay because of that. It's definitely not the worst. It could be a lot worse. It can always be worse. It could be worse. How does that mean it can be better? Does that mean it's okay though? It could be worse.

Yes, it could be worse. It could be worse. It could be worse. It could be worse. It could be worse. It's not that bad. That doesn't mean. mean your situation's okay.

It's, I'm trying my best. Are you? As best as I can. How many hours a week are you working? So I'm working 36. Okay, you're not trying your best. Yeah, as far as like I work full time. Hardly, barely.

What else do I do? Because then. Work full time again after that shift. That's exhausting, though. I've had two, I've held two jobs before. And it's exhausting. It's a lot on your mental health. health. Welcome, welcome to the world, though. Welcome to the world, though. I mean, that's kind of what

we have to sometimes do when we're sacrificing, right? Like, if we can't afford to live, what does math tell us? You have to be able to afford to live. What do you do? As an able-bodied human, you work. Yeah, it's a lot. Unless there's like no legs. Are there legs up there? Oh, there's legs. There's legs down here. So, okay. I think you can get there. It's a lot, though. Like, mentally, it is. And we've all done it, though. And we've all done it, though. And I've done it too. And I've held two jobs. I'm 23.

I've done it. I've held two jobs. You have like more energy right now than you'll ever have. That's concerning too. Because it's exhausting. It is. It is. No one says it's not.

I didn't say go do it in order to survive and it's not going to be exhausting. No one ever said that. Sacrifice usually is called sacrifice because there is something you're sacrificing. In that case, your energy. you're a little more tired picking up a couple shifts a week. Imagine you work 36 and you said you're trying your hardest, you're trying your best, you're doing your best. 36 hours a week is not your best.

What else do I do in that situation? Oh my gosh, are you kidding me? No, I'm listening. As far as like working. What time do you get to work? 7.50. What time do you leave work? 5 p.m.

Cool. Then what? Well, are there more hours than the day after five? Yes. Cool. I think we just figured it out. I actually have tried. I've applied.

to a few places recently in the past couple months. What's a few? I applied to... No, what's a few? Just number. Sorry. Two, three. Okay, you didn't try.

I'm sorry. I've got to interviews. I have. That's great. It's a numbers game. It's a numbers game. It's also about availability and hours. Some people don't want to hire you just to work after 5 p.m.

Absolutely. Correct. It's a numbers game. Absolutely. It's a numbers game. You have to apply to 100. hundred years apply to 200 it's a numbers game and you go until you get the one that works for you it's a number's game we don't apply to three and say we tried we tried oh let me just go

things are just not going to work out we tried if you can't afford to go to school in order to increase your income which is kind of what you want to do yeah and i do i do want to go back okay but because you don't make enough money i mean that that's a you situation that's for you that you could if you wanted to i know for a fact in austin again there's a point coffee place like going to, one of the summer moons near the office. The manager tells me constantly, please get any of your guests to just apply to work here.

They pay $18 an hour. They need people to make some coffee. And is that, what time do they close? Dude, Summer Moon closes at 8, I think. So that's a few hour shift. Yeah, a few hour shift. Congratulations, by the way. It's more than no extra hours.

What are you talking about? It's hard to find somebody that wants to hire you working so few hours. It is. But if they're literally begging for people, they didn't tell me what times of the day. Maybe it's random. Maybe that one wouldn't work for you. But that's an example of something that exists. You're kind of acting like a child, like an entitled child when it comes to this work.

You do have to work to make money. And I do work. 36 hours. And you are not trying your best. I've been working since I was 16. Cool. Again, most of us do. I go to work.

Like most of us, okay. I do my thing. I work. 36 hours, yep. That should be enough. Unfortunately, I know there's nothing we can do about the cost of living. Should be is a completely different conversation. Should be is not going to have you walk out of this door and live a better life.

That does nothing for you. We can have a different show where we talk about should be's. The reality of the economic structure we're in it is you need to work in order to make money in order to get the things that you need to survive. That is our structure. Let's have the I wish conversation somewhere else. That does not help you here. That does not. It benefits you.

You know what? I wish you didn't have to make as much money in order to survive. Cool. End a conversation. Did that just help you? Did that just actually get you out of a situation? Did that actually make it so that you're going to be good now? No.

Unfortunately not. So how it works? as far as working extra shifts okay now you need to factor in you know trying to save money and real prepping and doing all the things that it takes to try to save more money which is what you do anyway yeah and then trying to fit that in somewhere else on top of meal prepping takes a couple hours a week like two two times a week and you have to shop for it too yeah you can get a pickup order that's free but that costs more. No, I said it's free.

30 cents more per item at HV. Hold on. Literally 30 cents more per item. One second, when I was doing it, it was free. What are you talking about? There's no curbside fee, but they do charge you an extra 30 cents per item that's already added into the total, like,

the cost of the item. So if you go and store, the item's going to be 30 cents cheaper. Okay, I could have been wrong, but I had no idea. I must have just not known that. I try to go into the store as much as possible to avoid curbside. Walmart, I mean, most grocery bills are over $35. Walmart, as long as it's over $35, it's free. Okay.

That's good to know. There you go. Solves your problem. Okay. Cool. Any other excuses you want to try? I think that's it. Okay.

So meal prep a couple hours a week. If you work a couple extra shifts, you still have a couple hours a week. We can pick up groceries on the way home. That we scheduled for pickup. Okay. for free energy? It's the energy thing. I know.

We're going to be a little bit tired because we put in a little bit of work. It's hard. It's, It is. You know, it's going to be harder for staying in death for the rest of your life and trying to retire at any point, but you're not able to. Because who knows if you're going to be able to rely on Social Security at that time by the time we're retirement age and you saved up nothing to retire. So who the fuck? How are you going to live?

How are you going to survive? Who are you going to live off of? That's going to be hard. Not my parents, because they're not. supporting me right now. Why should they? You're 23. So I'm supporting myself. Do you feel like you should be supported by them? No. Okay. Why did you bring that up? I just know that a lot of people do have that support. I don't have that support. Sometimes I didn't. Yeah. Okay. My train of thought went off the rails. That's okay. It's okay. I'm scared to get into that.

producer man know over there looked into the into the thing for the HGB pickup and it's like in the fine print they have like a three to four percent markup on the HV prices but there's no pickup fee whereas Walmart there's a fee if it's under $30 for the pickup from what I just online could be a hidden thing I don't know if there is have your grocery list and zoom through the aisles we all do it like my goodness come on it's a mental barrier it's a mental thing. Let's see a f***er of us. I'm sorry, but like, what?

If you can't go into a grocery store, like, you're not going to be able to survive in this world. So far. Like, no one can help you with anything if you can't literally step foot inside of a grocery store. Like, I'm pretty sure. I shop for my groceries, but it is. It's mentally, everything feels a little mentally draining sometimes.

It is. No, absolutely. Everything is mentally draining. But the rest of us, we just feel with it because it's what we have to do. Because there's like no other choice. And that's what it feels like I'm doing already. So I'm afraid to, I'm afraid to add in more.

Most people work 40 hours a week. You're already under that. That's four hours though. That's a, I know, but you're already under that. And you specifically said, you're doing your best.

You're not. I can't, my job closes at noon. I know, but you're still not doing your, I don't know how you don't get that. How did I not get that across to you? Whatever.

Discover it. Everyone's favorite, like first little critical. That actually wasn't the first one. The first one was the Apple Card. Really? That one came second. That's interesting.

Okay. $2,500, $2,500, $2,523. that your income is scary because, again, rent is about to be over 50% of your net. So I don't even know how. This doesn't make sense with the $73 minimum payment. You purchased! Probably because you have no money. and you're checking account.

So you add it to a credit card. See, it's unsustainable. See, this is what I'm talking about where you said it's hard and it's going to be harder in the future. When I was saying it's going to be harder in the future, it starts to look like this. It starts to look like this.

And you can do this for a while because your credit line is absolutely huge for your income. It's $7,200. That's wild. You purchased $626.76. $73 on here when $52. and $84. You may double the minimum monthly payment,

but it doesn't make sense. It doesn't matter because you then spend five times what you put towards the payment. So what was even the point? Why are you spending money on a car that you can't pay off that it's a growing interest and you added the balance by $500? I really don't know where that $500 came from. I don't know how I spent that within the last month. What?

You don't even know where your money goes to? Sometimes I don't. Okay. I mean, that's fine. It's also like a... It's not fine, but that is... is where people start, typically. So that's, like, I accept that.

It hurts, but I accept that. It's awesome. Like, I guess it is part of, like, just mentally blocking it out and just doing my thing without paying too much attention to it. Okay. I'm, obviously, you've never budgeted in your life.

Go through a budgeting class. Go through our investing class if you want to as well, because at least you get a free $100 for that. But go... Hey, it's more. Thanks. Two. What does RAV stand for anyway? To me, it's the remarkably advanced vehicle. Really? To me, it's the runway approved vehicle for its amazing style. What about remarkably

adaptable vehicle because of its versatile cargo space? Or really admired vehicle? Oh, or really awesome vehicle. It really is the recreational activity vehicle. The stylish 2026 Toyota RAP4 Limited. What's your Rav 4? to the budgeting class for sure you get it for free because you're a guest you can get it for free if you want to be a guest you can apply to be on the show Calebhammer.com slash apply that's crazy though

that is wild you don't know where this went not with that amount I'll tell you you went inside store and got like a drink $2.00 Like what else would you be getting for $2? Walking into the Central Market for $2?

Or did you go in there and just buy an herb? I don't even remember. Yeah, you probably went in there and got some bull. Five below. Tipioca. Going inside getting some bullshk. Chick-fil-A. Firehouse subs.

Going inside getting some bullshund. Ross stores, McDonald's, a restaurant, some tea place. And going inside and getting some bullsh. Bulls. purchases. One, two, three, four, five, six, seven, eight, nine, ten, eleven. Reminder, you didn't even come close to paying off this card. You added it by five hundred dollars under your balance and it's accruing interest and you only spent money on this card because you don't have been running your checking account because you don't make enough money because you only work

36 hours a week and your rent is more than 50% of your income. So you spend it all on a credit card that is increasing the balance and adding more and more interest on it. But where did it go? Oh, it went to bold. That's not a smart way to live. I think in my brain it's little things that are obviously adding up. That's how it works. Was that last month? Yeah, your most recent statement. So, I mean, let me just be very clear.

And I know, again, a lot of people, they're going to be like, someone deserves to be able to go to do this. Okay, sure. Different conversation, different show, different show. In the reality of your mathematical literal life, you simply cannot afford to go out to eat. Like that's just a mathematical reality. And you're going and getting boba?

You can't afford a single boba ball. Not a single ball. That was my first boba in like six months. Okay, well, the six months ago should have been your last boba until you're out of debt. You just can't afford this and go in inside getting some bullshit chick flay and firehouse and McDonald's. We just, we can't do this, dude.

You simply cannot afford it. and you are you want to go to school and you're like I can't pay for school but what do you do instead remember what we said it cost a semester

$1,000 you spent $500 most of it was on bullshit I think a lot of those purchases well okay there was a big thing diversified health was a big purchase on here that was 200 bucks

so that did a big thing yeah that was a medical debt collection that I didn't want to end up on my credit whatever but that wasn't even half of it. I mean, again, there's also vet bills on there. My dog has been having to go to the vet

more often lately. He's turned eight years old, so he's now like a senior dog. He's having a little more health already. I'm so sad. What kind of dog? I don't know. I'd have to show you a picture of him. He's a rescue. Big? He's about medium, like 25 pounds. Okay. But we're having to go to the vet like a lot more often lately what's been going on anything that's like they can so he needed a dental procedure um like a cleaning and then something was going on with his gums and his teeth um and that went on that card a thousand dollars at the vet okay that wasn't this month though and he still spent both in this month yeah um so that was really big and then we had to go again something was going on with his eye um so i took him in they tested it that was like a hundred and something dollars and then

gave me eye drops, which was another $50. Sure. And it's your responsibility. You adopted, so it's what you have to take care of. So does it make sense if we can't afford to take care of a dog to be going to Chick-fil-A and shit with that? Does that make sense? You literally cannot afford it.

And it's like the food purchases are usually small. They're not huge meals. It doesn't matter. You can't afford it, and it's all adding up. And it's usually lunch. And it continues to not matter. Pack a sandwich. Peck a soup.

yeah i've been there got chick-fil-a meal prep a chicken sammy it's the energy thing it's it's energy sometimes that that is not ever going to be considered a valid excuse everyone everyone deals with that unless you have like a chronically

diagnosed like thing where your energy is like 10% of the normal person that's different but everyone gets tired I get tired this has nothing to do with you it has nothing to do with anything it has nothing to do with the in here, but I had a big, I had a car appointment this morning. I got some bad news about some real estate that I wanted to do, some potential bad news. We'll see. I was tired. I was drained.

It's been an unpleasant day. I didn't want to walk in here and film this episode. I walked in here and filmed this episode because one, I owed you. You came here to do this. So I owed you. I wasn't going to walk away. And two, it's the business, you know? That wasn't a choice because I had a bad day because I was feeling a little of energy. Also, I'm on a diet. I barely even had a lunch and I'm hungry. I'm a little cranky little. And yet, I still walked in here.

Like an adult. And I'm older and fatter, so I have less energy, okay? You're skinny. You're young. You got it. Enjoy it while you have it. App card. Your first card.

Yeah, first card. And this one had been paid down. And then it ended up with. Why? More crap on it. Why? That's a good question. Give me a good answer.

I don't have a good answer. Give me unanswer. Crap spending. Okay. So, you came on the show for a reason. You applied for the reason. What do you want? Where do you see yourself?

Where are you trying to get to? So I can help you navigate this. Trying to get to where, I guess, stop this balance. from going up still. I don't know if I just need... You don't want this to... Your balance is. You don't want it to go up.

Why? Because I can't pay for it. Mm-hmm. Mm-hmm. With my income. What are you trying to do with your money, though? What are some aspirations?

Just be a little bit more financially literate. Sure, but what are some goals you, like, have? Like, yeah, you want to get to a healthy place. Yeah, what do you want to do? That involves, pretty much everything involves needing to use. to use money in some way. So yeah, what are you trying to do? By 30.

Where do you want to be career-wise? Where do you want to be living-wise? Where do you want to be debt-wise? Where do you want to be in all of that? By 30, I hope maybe I can have my certificate or degree for whatever I'm wanting to go back to school for. What do you want to go back to school for? I want to go back to school for, like, nutrition.

Why are you wasting time on this real estate thing? It doesn't make sense. That has nothing to do with nutrition. Because like I said, as far as like the resources that I see available to me, you really think that's going to be so much more of a winner. You could go like the first year without seeing a penny. And you can't survive off of $2,000 a month right now. I do want to, of course, you know, make stable income.

So I don't have to worry about I can't take my dog to the vet because I can't afford it. so I want to be in a spot where I'm not having to have such anxiety over buying or spending and doing what I do. So, I mean, that stuff is pretty basic then, which is okay. That's totally okay. But since it's so basic, why haven't you done anything? Like this is the most recent statement. You said it last night, I was just told.

So this is like this, they literally just ended. So these are the most recent statement. You're doing this right now. You've done, that's your goal. You've done nothing to even come close to trying to achieve that goal. I have been trying. Cutting, spending like here and there. If this is considered cutting spending, then.

No, I understand it's still high. There's still a lot of like crap spending that shouldn't be going on. Is this the new version of your trying your best when you're talking about work? Because I don't see much trying here. I'm just trying to explain myself that, you know, it's gotten better, but it's still not where it should be. It was worse, but I'm kind of out of place where I feel stuck. But it's self-inflicted. Nobody teaches you.

That's not going to be a valid excuse. No one ever learns for some clients. No, exactly. So I'm learning. I'm figuring it out. Like, okay, that obviously doesn't work. I need to stop doing ABC. Mm-hmm.

So I'm learning. I'm asking for help, you know, realizing what's wrong. Yeah. What's going on so that I can fix it. Good. And it's a great first step. But in terms of just why, okay, let me try to ask this a different way then. When did you start learning? When did you decide you wanted to start learning? I guess maybe like six months ago when I started. It's a long time. So then it brings me back to my initial question.

If you were going to say last month, it's a different thing. Six months, and this is what I'm looking at, your balance goes up by $500 on the most recent card. Like, what are we doing? You're throwing yourself into a terrible situation. That's not trying. 200 of those dollars were medical and vet. So 300 was.

Okay, cool. So hearing I'm trying, that's, is that I'm trying? Is that I'm learning after six months? That's why I'm. Listen, I'm good with. learning and I'm good with walking through those different things, but I'm also not going to allow someone to

sit in bullshit. Like, it's, like, it's not intended to offend you. It's not at all. It's not even intended to make these people get all excited. Literally, if you sit there and spend that much of money on bullshit and you say

that's I'm trying and that's me learning after six months, I need to call you out and let you know that that is unacceptable and that is, You cannot be considered. If it was worse before and this is better, okay. But I cannot allow you to consider this a win. Because you're getting in a dark situation that is going to be so hard for someone like you

and your income situation to dig out of. And you're only making it worse. I know. And I'm having the conversation. That happens when you're here. So this is how it goes. Welcome. Yes.

That's why I'm here is to get help and to go through it and figure out. What do you think's happening? Why do people say that? Why do people say I call them out on a, what they say and then I'm like, oh, well, that's why I'm here. No, that's what I'm, that's what I'm doing the thing that happens when you're here. You were saying it over and over again and it's, yes, yes, that's. How many times have you seen the show? Like seven. Okay. So you know how it goes. What? What is, what I'm doing? What? That's why I'm here. Oh my gosh, you said it again.

That is why everybody is here. Huh? That is why everybody is here. Exactly. So why did you think I would not call you out differently than anyone else. $25 minimum monthly payment. We went inside Target and we got some bullshit. Okay. Target is only ever like household stuff, like laundry soap, kitchen stuff. What did you get for 93 cents? Oh, it's because I had a gift card and I spent the gift card

and then there was like a little bit of amount that wasn't covered by the gift card. Okay. $10 of interest accrued on here. $27.24% interest, right? So interest to continue to accrue. Discover. Wait a second. Okay.

You don't have two discoverets. I do. Oh, you do? So, okay, this one, the one with the, the one we just went over, that was initially supposed to be a balance transfer card. Wait, which one? The first one? Yes. The one that you spent all the bullshit that you think is making progress.

Okay. And I was going to transfer the Apple card balance onto that one because it was you paid off in 18 months, whatever, no interest. and I called them a couple weeks after I got the card to initiate a balance transfer and they said I can't I don't know why what was the reason they gave you must have asked why something about I waited too long transfer balances no I tried and I've gone online and it says it's not eligible

for transfers whatever even mattered I mean that's accruing interest anyway so it's like well what was your intent there maybe it was zero percent for a second but okay either way i mean you're putting more on it anyway so yeah that that also became the i'm gonna have fun money one thousand three hundred four dollars sitting on here on the second discover that one i don't think i've touched that one yeah there's no new purchases you only made the minimum wait there's a three dollar purchase and then 30 purchase yeah and then three dollars of interest maybe it's a subscription. Let's check it out.

$50 minimum payment. These minimum payment's definitely for you scare me when they start to stack up like this. Resumayhelp.com, you probably have a subscription. Yes. Okay, cancel that. Okay. If you're not using it,

I mean, you maybe should use it and try to get a better job. I do, like, update it every now and then, and it helps you write cover letters too. Yeah, because they are paying you the bottom of the barrel in the Austin area. So you could probably honestly just get a better job as well. A $25 hour job that is like customer service.

Which maybe I needed to hear because I've been feeling kind of bad about wanting to leave this job. Why? Just because it's like a small family vibe. So you know how like the credit card company is like in that part of capitalism, you're getting a little boned with the interest rate? Of course there's lots of personal choices that you're doing. Well, it's also the part of capitalism that can help you. They're not paying you enough.

So you can leave. And you can go to somewhere that is paying you enough. and if they don't want to see you leave, they'll pay you more. Okay. It's a market. Find out what you're worth in the market and go get that. Well, maybe I needed to hear that because, I mean, I look and then I'll apply and then. Yeah.

And we're not applying to three jobs, by the way. We're applying to 300 jobs. Yeah. If it's a full-time job, then. Well, yeah. I mean, we're just, you need to work more or get a better job. And I do kind of want to work somewhere else where I can just easily get more hours at one job instead of having to get a second job

where I can maybe get overtime at other said job. We are basically halfway through the year and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high-yield savings accounts there are, but you can also get $300 for free with qualifying deposits.

You can also get FDIC insurance up to $2 million on your money and get 4.6% on the money that's just sitting there. exactly where I put my money. Why let your money lose money when it could be making money? It's the biggest no-brainer in the world. Open up a SOFi high-yield savings account now and get that $300 for free. Oh, what's your car? What is your car? What is it? You're going to be mad at me about this one. Great. This is a 2018 Mazda 3. Touring. It's the nice one. Oh, well, $20,000 a year net. So I bought this.

kind of at the, I think we're like in the peak of the car chip crisis issue. Okay, I think I know what you're saying sure. But the car that I had, it was a 1998 Toyota, which was still running good, but I thought the transmission was slipping. Was it? So apparently it's just having like a shifting issue. Mostly like from first to second, like the car doesn't want to shift. And I mistook it as like a slip.

But it sounds like you ended up finding out. was actually wrong. So recently. What do you mean recently? My dad still has the car. Why? Is it his car technically? I mean, he bought it.

It was like a $1,000 cash car from Craigslist. How many miles are on that car? Like 220,000. I mean, I have an idea. I just don't know if it's the right idea because I do not know enough about that car and the longevity of that car and what maintenance has been done on that car and what needs to be done. By the way, there's transmission places all over Austin.

They'll try to upsell you on a bunch of shit. You can go and you can get a free transmission check. And they can tell you the health of the transmission. I did that and realized that my Nissan 2013, Nissan Ultima, when I first moved here, it was going to shit. Literally right when I got here, like the transmission just started. Yeah, exactly. And 2013.

It's like the worst period for those. And so I immediately got rid of it and got my cheap. So I would have checked that out. first. But either way, we're here. But, okay. So either way, you owe $18,054 on it. Okay. With a minimum payment. And this is, okay, because first of all, that's insane, because that's almost as much as you make a year or not. But the $358, like with where your rent is, and now you're $358, $14, minimumity payment, I do not know how you're even paying.

Yeah. So when I worked, when I bought this car, I was still living with my mom. So I could comfortably make that payment, no problem. Wait, where are your parents? What do you mean? Are they in Austin? Yes. Why do you? You're not like ancient.

You can, there's plenty of cultures where you don't have to move out. I know people. I don't think we have enough time for this. We move out. Well, one second. Before we move out so quick in American culture and that's fine and there's a lot to gain from it. There's a lot negative. It's whatever.

But a lot of other cultures you can stay at home longer and it's more of a family thing. And that's okay. You could stay at home if you wanted to. And honestly, your financial situation, I don't know if I'd want you to not be at home yet because, again, you're putting money on credit cards because you can't afford to live. Why did you move out? I don't know. It was not better as far as mental health for living at home. There was a lot going on that led to me moving out. Okay, that's Vegas. Give me something. Yeah. So my mom had,

she has a house that she's renting. Well, it's a duplex. And my, um, my, brother moved back in, but my brother's got, excuse me, four kids. So there's a lot of people in that house. Not enough space. So it was just like a really. Okay, that immediately becomes, um, okay. No, there was a lot of, a lot of things that like led up to. Well, then you can, you can tell me because I want to give you my assessment before you tell me. Yeah. Um, and this is, this is okay. This is a big generational thing. I'm around the cusp of Z and millennial, you know, I share more in common with older Gen Z and less with older millennial. One thing that's definitely happening more towards the age range of view is the internet has deeply enabled this because it's really made everyone's feelings.

What's the word I'm going for? Like feelings are justified in the real, but they've made it so. that they there's a word that's on the top of my tongue. I think I get what you're trying to say. Well, either way, from the language you've used from just, oh, I might be tired to mental health because there's kids living there and stuff like that, very victim mentality where you are the victim no matter what. And that makes me a little nervous because I don't know how you're going to, well,

I just don't know how you're going to operate in life in general with that. Like you can have that and that is fine. Do you? but that just makes me afraid for how you're going to operate in the real world in general for the rest of your life. What else though? What else there? Because maybe there's an actual reason.

There was just so much going on. It's not as simple as what it sounds like. Then kids. Fighting. A lot of fighting. What kind of fighting? Disagreements, hollering matches. Okay.

The kids are not little kids. They're older. So they're all living individuals like lives. So that it's like clashing in a. small space, frustration with everything, but to the point where the frustration was literally like taking a toll on my mental health. Like crying out of like frustration.

You were getting your arguments with them? We would. And like, to where. There was like financial fights because my mother was the one paying for the house. Because my brother also lives there too, but was not contributing. Yeah, but why were you a part of the fight? because he thought that I should be paying more to live there. We were both contributing.

Sounds stressful. It does. Like it wasn't just that though. It was like every day something, something, something. Tension every single day. My relationships with my family members were at a low to where like we couldn't even like be in the same room, you know, and make eye contact because we're just at our wits end with each other. No, it doesn't sound like the healthiest place to live.

It really doesn't. It really wasn't. And I would. if you were to tell me that, I would want you to get on your own. But before you went and got on your own, we would try to figure out your income situation because now you've put yourself where you're about to be paying more than half of your income and rent, and you literally can't afford to live. And I don't think in the end that you not being able to pay for bills and getting in a more dire financial situation than you've ever been in your life is going to be any less stressful than

being around people that were in arguments. So trust me, I'm not sitting here and saying, like, oh, deal with it. Don't be a... That's totally okay. Like, that's a perfect environment to live in. I'm not saying that. I would want you to move out. But we would do it in a smart way.

You've put yourself in what is going to be just as stressful a situation, if not even more. It's a different kind of stressful. It's different. Yeah. It's different. And you haven't felt it yet, though, because a lot of it's going on debt. And debt comes to get you. You're kicking the can down the room more.

Trust me, if, like, if I could live with my mom or my dad right now and then go to school, save up and do everything like that, I would. Like, I so want that for myself and, like, but it just. Why does the brother have to live there? His financial situation is also, he is not anywhere where he needs to be, to be able to, like, financially support himself. and then the four kids. Okay.

Again, I'm not against it. I play devil's advocate to a lot of different things. It's not like I'm just saying you're a piece of shit or anything like that. I'm not even close. I want you to do really well. You deserve to do well as a human being. You just have to put work into it. We would have done it in a very different way,

but now you're in this way anyway. But then you only work 36 hours a week at like the lowest type of wage you can get in Austin. So it's just like, I don't know, there's so many options. you can have, whether that's live at home or where it's make more money, get a second job, we get a better job. But you're doing none of it. You're just sitting and accepting. And that is not good.

I needed to have this conversation because, okay, my next step can be finding a better job, one that pays better. But, yeah, as far as the, like, moving out, I think that was something that kind of had to be done. This is Euphoria Calvin Klein, the new Elix. 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. I felt like I was at. When did you move out? Almost a year ago. Okay, so you're 22. Have you done school at all? College? When I was fresh out of high school. You went to college? I didn't have any goals as far as, you know, what I wanted in a degree, more so going just because my mom wants me to go.

But I know if I were to go back now, I have some ambition and I know what I want to do. Okay. In that field, food nutritionist, specialist, whatever, $59,000 is the median income for that in the Austin, Texas area. And I like... Which is certainly better than you make now. I really would love to go and be like a dietitian, but they just raise the requirements for that. You need a master's degree. Okay.

$1,000 a semester for two years. You could do that if we literally just put any effort into just. working a bit more. Okay. It's... This car's ridiculous. What do you think it's worth? Credit karma valued it at like $12,000?

Yeah, we're seeing about 14. Private sale. So what I'm considering in this, I'm not going to say for certain whether or not you should. I would actually want you to get some a little outside advice here on this one. But one thing I'm considering is dude maybe you sell this and you owe $4,000 on it and drive that car that's sitting at your dad's place.

If it's still working and it's in good condition, it's going to last for a while, even though I'm sure it takes forever to cool down, even though, yeah, it might not last for another. The AC works pretty good. Even though it might not last for another 100,000 miles. It sounds like you're chilling in the Austin area anyway, so you're just driving around town. And like my reasoning behind that was, so the car that I had, you know, it needed some repairs. It needs like maintenance things that need to be done that are going to cost. A few thousand. And then I didn't know how long the car was going to last after, you know, I do those things.

So my thinking here was like I was financially stable. So doing this, you know, it's got the warranty. It's got everything. Stable, though. You still have the same job, right? At this? No. No.

How much are you making at this point? 15? $16 a year? No, 16 an hour. Okay. So worse than you thought you could get a $20,000 car. That doesn't make sense. Just because you have minimal overhead doesn't mean that this makes sense for that income anyway.

So I want to correct that logic as well. Yeah, it did at the time. No, but it doesn't make sense. I need to correct that logic because I don't want you to be in a place at some point where for whatever reason you're overhead small, but you're making $30,000 a $30,000 a car. That doesn't make sense. There is an income to car, you know, ratio that actually makes sense in terms of what. Yeah, and that was my-

What is the payment period on this? 72 months? 84 months? I think 84. No, actually? It's rare to get one of those. I'm two years in. Wow.

Incredible. Yeah, and that's why the payments were... Yeah. You did that so you could afford it. Yeah, and that was my first big purchase. It was a terrible idea. Well, now I know. You didn't know before this conversation?

Actually? Not at the time of purchase. Of course I know now. Oh, okay. But... Oh, there's another. credit card. Walmart. See? You like Walmart. You can do the pickup there.

Easy. $699.19 with the $28 minimum of payment. Transactions are blacked out for some reason. Oh, it was $59 to transactions, though, and they were all at Walmart. One looks like a bull to purchase potentially, though. okay so I mean you went and spent more of course than the minimum fee payment

so and then 18 hours of interest so again we're spending on a card that we can't pay off and is a growing interest and we put more towards it than a minimum monthly payment in terms of adding to the balance it's not very smart even if it is groceries is it groceries Walmart Walmart is usually groceries I don't mind going into Walmart for groceries I prefer Walmart as opposed to HB

as far as environment. Environment. Yeah. It should be stressful. You're delicate. HEP is stressful. But I also... It's a grocery store.

I worked there for a while too, so maybe it's... Okay. We'll work atmosphere. Maybe I need to have... I mean, I have empathy for a lot of things, but I just... And I do have empathy of someone, like, has a panic disorder about, like, leaving their place or something, you know? and going out in public, but I'm just like,

there is a part of me that is worried, just like if we cannot handle going to a grocery store, how are we going to survive for the other, hopefully 70 years you have? Okay. 31.99% interest on this card. F*** me. I didn't know that.

I didn't know that it was that high. You're not a credit card person. You're young enough to take advantage of the rewards that Fizz offers anyway, So just use the Fizz card. Fizz? Fizz. I'll get you set up with it after the show.

It's a charge card though, so you can't... It's like a secured credit kind of thing? Yeah, pretty similar. Okay. But you can't do this the way you're doing it. Payless Scott and White, is this what you already paid or is this another one? That's what I paid. They said they accepted my insurance when I went.

And then apparently I mean did you make your co-pay Yes I paid my co-pay Deductable? Did you meet it? Yeah, it was the end of the year Okay And so I don't know why I got stuck with that Did you talk to your insurance?

Bill No, I tried to call them And calling insurance is like a whole Don't do this again Whole thing Don't do this again They said they accepted it I don't know why

You're acting like you can't do anything. They're out of network. You can't call insurance now? I know it's a pain and the shit on the phone with an operator or computer for a while. If you want an outcome, sometimes you have to do things. But I did go online and apparently it says

online that they don't accept it. Even though they told me that they did. You said it was out of network? Yeah, they're not in network. If Baylor Scott and White isn't in network, you should change insurance as immediately because Baylor Scott and White is like half the hospital's awesome. So like I would switch providers if that's an option.

I don't know. Well, maybe if I get a better job. Yeah. Yeah. Okay. Well, I made it to checking. 2000. Was 2000 in your checking?

Not right now. My rent came out. Rent car insurance. PayPal education, $20. What's that? That's. Air One radio station. It's like Christian radio station.

You can't afford that. You can't afford that. And there's something else on there. I have no idea what it is. Dude, go to any fire pit in the country. Someone's going to be singing Christian songs with an acoustic guitar. Okay? Just do that instead of $20 a month's subscription.

It's not a subscription. It's a donation. Then you really can't do it. Donate to your future. Then you can give more. That's the fun part. is like the quicker you get out of death, the quicker you have an emergency phone,

the quicker you start contributing to your retirement, the better off you are and that actually you end up having more to be able to give. It's really cool. It doesn't make sense to give when you can't even afford to live. So I like the giving spirit.

I like to give me the spirit. I love donating. And that was another thing that I had started when I was still at home. Donations? It's like a monthly thing. So it's a subscription. Oh, okay.

Go on the side, getting some bullshit. And go fund me. We're going funding something instead of funding your existence. Okay, great. That's great. We're getting some frozen yogurt. Recurring pay something on PayPal. Oh, are those the glasses?

Okay, how much were those things? So I get them from zeni.com. They're pretty affordable. Cool. But once you get the lenses and everything. Yeah, so my question is, how much are they? Were they? $80.

Okay. And you had, you financed that. Yes, for now. You know, if you didn't go fund me or do the donations,

you may have been able to actually just buy them. What's smug mug mug? So that's, my photo account. I used to do photography. Okay. So that's like my portfolio. And then if to unsubscribe from it,

it deletes your entire, like. Download them first. I've got a Chromebook. You can't download things on Chromebook? Chromebooks are weird. What? Are you telling me you literally cannot download images on a Chromebook?

I've never used one. Are you going to make me Google this? You can download things. The process is a little... What about like a flash drive? That's a good idea. USBA flash drive. Yeah, Chromebooks are...

Yeah, they're pieces of shit. I don't know when anyone gets them, but you can open and save many types. files on your Chromebook like documents, PDFs, images, and media. Okay. Good. Just saved you 1066 a month. When inside, got some bull.

When inside got some bull. When inside got some bull. That's pretty much it. You stop in stores and just get some... Also, just go to a library. The computer? Yes, it's free. You live in Austin.

You can download the images and send them to yourself and upload them to a drive. I've never thought of that. There's so many things. Again, all you have to do is literally put in effort. That is the moral of your story. Put in a single ounce of effort more than you're already doing. And magical things can happen. All right.

It's crazy how that works. I know I'm dogging on you. And I'm sure there's going to be some upset commenters, especially on certain platforms. But it's, I have empathy for some. many things for so many people on the show. One thing that I struggle to have empathy for is when someone's in a situation they can get out of if they put a little bit of effort into it and then they don't want to because they get tired. That's hard for me now. That's hard for me

to have empathy for. Something that you can easily fix if you wanted to. If you're anything like me, you hate seeing a statement full of subscriptions on top of subscriptions on top of subscriptions every single month. It's like your money is getting drained by digital tequitos. They easily overtake your budget or get forgotten entirely. Luckily, Absumo is here to change the way we buy software online. Absumo's a treasure test for entrepreneurs, side hustlers, and small businesses looking to scale without being crushed by high software costs. You can access top-tier tools without the worry of sneaky reoccurring payments that can haunt your bank account. Absumo brings you exclusive deals on premium software at a fraction of the price. Y'all, we are talking lifetime deals. Pay once in your

done. No more watching your money disappear month after month on sneaky subscriptions you barely remember signing up for. They handpick software tailored for your needs, so you're not wasting money on junk. For productivity, AI, and marketing tools, Absumo has got you covered. And with top-rated customer support shown on Trust Pilot, their team is always there to help you through the process. For me, Absumo has been a game changer. I found software through their deals that save businesses countless hours in hundreds to thousands of dollars every month. It's like having a financial audit wizard in your pocket. So if you're ready to ditch those digital tiquitos and invest in tools that make a real difference, head over to the link in the description below and check out

the latest deals. Trust me, your future self and your wallet will thank you. In terms of your spending, would you believe it? Then you better because it is reality. If I told you that, of course, payroll in was 2059, as we talked to but money that went out net was 2,736, including debts going up. So because of that spending number, now this isn't your percentage of income, but percentage of spending, 36.5 went, 36.5 went to housing or $9,58, or $20.8% went to transportation. necessary food

325 and 11.9% include all the miscellaneous bullshould food unknown shopping an additional 10% is rounded and medical health care probably the vet stuff

the pill you add 9.7 2% of the large purchases 13.2% let's see if they're necessary yes that was that was one of the vet things. The health thing was you paying back your debt. The pharmacy, fine. PayPal, we know where that went to. That was bad.

Zellin, who knows who you zeld. And then the rest was, yeah, for animals. Do you have anything in retirement? No. No. Literally that extra $300 that you spent on bull-k or whatever.

Buy the S&P 500, a low-cost index fund through Mumu and what would that do? can open that account you throw that in there I don't know 300 a month

retirement is that something that you set up yourself I don't know a lot about well it sounds like your workplace is small so they might not offer I don't think we have they could save some tax money on if they actually did but either way

you could open a Roth IRA through most investment platforms and that contribution limit is $6,500 a year right now and with that, with your Roth IRA, your money is taxed on the way in, but all the growth that happens over the compounding years, you're able to withdraw 59 and a half tax and penalty free. Oh, okay.

That's a different conversation. Again, you are going to go through our investing class. You'll have the option to. You really should take it because we teach about all that stuff. I do have half of an emergency fund. Noah has a update for Oh it's a T update a drama update Noah has an update in the post show

And a mean-spirited gift He could give me if you'd like to do that bit Sure, I will do that bit I don't care I do I've been a little mean to you I think for okay reasons Do you want to see Noah be mean to me Sure

We'll do that a few minutes Let's do your budget though I mean we already know we're going to be negative But it's good to get eyes on it So $2,000 is what comes in. When's your rent going up? Beginning of August, end of July. Okay, what is that going to be?

May I will write that in now. $1,05. I reached out. Is that including utilities and Internet? I don't have Internet. Okay. But utilities. What do you do for fun?

I mean, I've got... You go to McDonald's. There was one McDonald's purchase on there. Yeah, what do you do for fun? A smoothie and a biscuit. Because you barely work, so what do you do for fun? You have a lot of extra time. I'm usually at home.

Doing what then with no internet? They have, you can buy an antenna for the TV. And you get channels. Yeah, it's free. How many channels do you get with that? Cable TV is horrid. You get like 20 channels. But it's everything you need.

You got like news, entertainment. That's what you watch is news. I like the local news sometimes. Well, like Caveview channel. They have shows and like everything is on there. Okay. Yeah. Nowhere near trying to afford internet.

No, no, no. Well, it's not even that. It's more like, man. Have you ever watched like Game of Thrones? No. Yeah, I'm just, I feel like ABC and stuff would be ruined for you if you watched a good show. So stay away from it. Stay away from it and you won't know what you're missing.

Good thing I can't afford Netflix or HBO or anything else. Correct. What about you? utilities. Utilities, water's included in my rent. I just pay for electric, which runs about like $72 a month. What about gas driving around? That's about $34 bucks. A month?

A week. Not a week. Maybe like every two weeks. I'm going to say 100. Car insurance? $1.45. Your debt minimum of payments. $534.14.

That's a killer. What about your phone bill? Thankfully, I'm still on my dad's plan. Good. So I don't have to worry about that. A low-cost way you can do it. Do helium. That's usually what we set our people up with when they're trying to save money.

It's 20 bucks. T-Mobile towers, which is the best. Oh, okay. Yeah. In the Austin area. At least. for life, $300 for food. Okay.

You get a meal plan in the budgeting program and then you can switch around what you need. A meal plan? Well, we made one. Yeah, based off of H-EB stuff. Oh, okay. What you could do for $250, but we gave a little extra pet insurance. You don't have, which is why it's costing you a lot of money, and you probably have a hard time getting it for an eight-year-old dog.

I looked into it. It's about $89 a month for him. And I don't know. if that fits in. Probably not. I'm putting it in parentheses. It might save you a lot of money for what you're starting to go through. Medical for yourself.

So thankfully, I'm still insured through my mom's work. Okay. But that ends at 26. Yep. So hopefully I can eventually get a job where I can have my own. Well, honestly, your health insurance would be almost free through the exchange right now. government subsidized. Okay.

With your income situation. Almost. And gym? I canceled my gym membership. Okay. My apartment has a gym. Prescriptions? Co-pays.

Prescriptions? Only when I need to renew, like, certain. That's like a yearly thing at like $80. Anything else? that needs to be in your budget that I haven't taken account for? No. And we're $300 in the home, which makes sense for a bit what we looked on. I mean, we knew the solution from the beginning.

We got your full financial picture so that you now have no other choice but to do it, unless you want to live like this forever, which I hope you don't. I hope you have more care about yourself than I care about you. Like, that would be terrible if you don't. So, at a very minimum, you need to get an extra $300 a month by, working minimum what I would do is try to get to $3,000 a month as your real minimum after getting a better job or a second job because if you do that you can actually start paying down your debts I would look at and talk to people who are more knowledgeable about the car that is sitting

at your dad's place I would look at selling this car for private sell throw that all towards that debt and then you know put it in the debt snowball I would that snowball $699 Walmart card first then a thousand three hundred four dollar to card, then 2,523 discover it card, then the Apple card, and then the remainder of the car. That's how I would do it. Okay. You could probably do it in about three years with that $3,000 thing. Then you need a fully fund and a budget of fun.

But you could go make more money. You could work with a... Even if you get a better job, honestly, I would encourage you to work two jobs. Anyway, just literally make as much money as you can. Your rent costs as much as a semester at ACC, so literally make a little bit more. more money and put yourself through school and look, look to invest your time that way and look to, as long as you're making

minimum payments, it kind of sucks, but then you could make more money through that degree and working in the nutrition field, hopefully working your way up to $60,000 bucks a year and then pay off the debt, you know, at that point. So there's a lot of different ways to go about it and we can help you with that. First things

first, though, because you don't do any of that if you don't make more money, you need to go apply to a million, pagillion, quadrillion jobs today, low, high, amid anything. Do all the interviews. Okay. Anything and everything you can do to bring home more money is what you need to do.

Because without that, you're going to continue going to debt. You cannot spend any money on fun, unfortunately. You just can't afford it. Go to parks. Roll around in the grass. Oh, we do that sometimes. Swim in the free part of Barn Springs. You know, lots of things you can still do.

Blue's on the green is free. Lose on the green is free. And you get a contact high at the same time. There's a lot of, you know, so you get that for free. It's a lot of things, a lot of things. People hate when I make the joke, but I'm going to joke about it anyway because of those people. Get a, get a, get a dude to take you to dinner. That's a free dinner.

I do have a boyfriend and he, whenever we go to eat. Whoa, that's perfect. Get him to take you out every night. He's amazing. He, whenever if I want food, he buys it. Oh, then. And, yeah, use that wallet, girl. Go out to eat.

It makes a little bit more money than I do. A lot of bit more. Yeah, you just need to make more money. I mean, that's what this comes down to. So that's your first step. And then, you know, we can continue doing follow-ups down the road. But that is your first step. Hammer Financial Score.

Let's figure it out. You set a three. Spending a budget, well, you spent $700 more than you make. 0.10, that's an obvious. Don't have anything in collections. You actually paid your collection. So I'd say with where your debt is, now when it comes to your income, it's really bad,

but your debt is not the worst debt ever created in history of the world. 3 out of 10 there might be a little generous. Emergency fund, there's nothing in return, there's nothing real estate, there's nothing. It's going to be a hammer financial... There's a little bit of an emergency fund. There is? It's like $500 in there.

Okay, I'll say you start with a 1. Hammer financial score, 1 out of 10. Make sure you stick around for the post show and check out all the resources linked in the description below. Is they what I use or would use to specific situations, like the best budgeting and investing programs that can be found anywhere online?

Stick around for the post show. Today on the Financial Audit Post Show. Well, you know, I want to support your weight loss and do everything that I can. I've said, hey, let's go to the gym. You're like, I don't really want to go to the gym. So I did find, you know, something. Do we have one of these?

That's sick. I'm burning the legs. To watch the financial audit post show, click the join button below.