Financial Audit - Ignorant Woman Making Me More Stupider

Episode Date: March 15, 2024

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Oh. Oh! You're going to destroy your life. Hi, my name is Eve. I'm 22. I'm out of Colorado Springs and Omaha, Nebraska. And this is financial audit. What do you do for a living in two very different places? So I work from home doing tech support for a bank. Oh, very cool.

What are we making in this position? They just gave us a raise. So my base pay just went up and I get a 10% shift differential. So it's about 46,000 just base pay and then with benefits up to like 60K. What do you mean with benefits? Bonuses and then also my insurance. Like they consider that part of my compensation package. Yeah, no, absolutely.

I want to make sure I understand what money's coming home because you essentially need a raise. Like with your spending habits, you need a raise. It's really not an option. So we went from a raise up to What do you think is going to be hitting your account on average on a monthly basis? So that's kind of weird. So I get paid weekly But the way that the last few months have been

I kind of have like no gauge of what's coming in Because I mean that's pretty clear just within your overall Like I mean you have every debt that's ever been like But regardless of the debt You spend almost double what you bring in And it wasn't as bad when there was two incomes. Okay. So marriage?

Yes. And now. Active divorce process. Active divorce process currently in that. Okay. How long have you been in the States? Okay. So obviously, when did you guys split up?

August of last year. Okay. So August of last year, you know, it's been a little bit. Mm-hmm. Why haven't you cut down lifestyle? Mm-hmm. Because that's kind of as much as it sucks. And I'm not like, oh, you, you got divorce.

Let's punish you. No. But there's also just basic math. Well, I was also on a medical leave. And then I was in Colorado trying to get some things squared away. I was trying to do in treatments, trying to figure out my life. And then also kind of spiraling mentally. I was like, well, my life's fucking over.

So who cares? Because the divorce. Yeah. Okay. So you started to give up on everything? Yeah. Like. When have you decided that we're not giving me?

up though because it doesn't seem like you're there right now um so just recently going back to work like yeah realizing that it's not over because for context um we started a divorce after a suicide attempts so oh gosh of yourself oh yeah okay um wow now i understand this was a potentially abusive situation yeah okay so that's why i ended up like going back and forth between like umaha and Colorado. So there was a lot of like spending on the road and like being all over the place and just like mentally trying to like cope like oh, you know, like I try to be responsible and it didn't work out. Well, your spending is not the ridiculous part. The ridiculous part is we have one, two, three, four, five, six, seven, eight, nine, ten, eleven, twelve, thirteen, fourteen,

fifteen, sixteen, sixteen, sixteen, eighteen, eighteen, eighteen, twenty, twenty two, twenty, twenty two, twenty, twenty, two, twenty, twenty, twenty, four individual deaths. But you have to remember, it's like two people because I was taking out the deck of You were taken out for both of you Yeah His name was on nothing In the marriage There was two cards that he got

Because I didn't trust him Having control over some of the accounts Geez how long was this relationship Like you didn't trust him To oversee a financial document At that point At that point I'm like I'm out

You know And I tried I tried multiple times to divorce him And like for context Like we Did you file? charges. Called the police? After the fact, after he talked to me out of it the first time.

If I called him regarding all this and talked to him, what would he say? Because I do believe you, because the other person sitting here, I'm not going to just be like, like, just say, I don't believe anyone or anything like that. At the same time, there's always two sides of a story. Abuses in no way ever excusable. But in his mind, you know, I feel like, I don't know. What would he say? Well, I can't sit here and act like a saint either.

because like there was also issues of like my own substance abuse. Okay. And issues with impulsivity because like that's a key characteristic of like borderline. And what's your substance abuse? Alcoholism. And then both of us can't get nicotine. Where are you with any of that today? There are still some lapses with the alcoholism, but that was a big part of my treatment last year.

And so I did an extended stay. The can't even. No, involuntary. Okay. So. Okay. The hospital was a lot better than the first hospital. When was your last relapse? Probably about three months ago.

Kind of my issue is like throughout my life like blackout drinking every single time. So just constantly, constantly just. Were you able to get on the wagon pretty quickly again? It just depends on when the lapses were happening because like especially like in the winter like a lot of like seasonal depression issues and then like being isolated from family because we were so far from Colorado. because we're both from Colorado. What was the medical leave for? Because of a lot of stress transition. We were first moving in South Dakota.

I got a new position. I got overwhelmed and I was going to quit my job. But my manager said, hey, don't do that. Here's a program through the company. So that's when I was introduced to like, oh, I can step away if I need to. And then the second one was because I got assaulted by my roommate in South Dakota. Did your press charges there? Talked out of it.

They're like, they're going to, the big thing was, is like if you press charges, because they were both in armed security. Like, that's their background. So if I made a report, they would lose their gun rights. Good. It's kind of a tricky situation because it's like, I, you know, I don't want them to lose their gun rights. Why? Well, a lot of our spending was on firearms. Again, I want to ask, before we go into the financial situation, why are you trying to get out of this? Because, I mean, there's negative people online at all times for any creator.

some people say, oh, I'm taking advantage to someone with mental health issues in this kind of conversation. And I want to make sure that I am not. I want to know what you want to get out of this conversation. How can I be beneficial to you? Well, you're kind of like my last ditch ever before I just say, fucking and blow it up. No, no, blow what up? What are you going to blow up? Just give up.

Just quit my job and say, don't ever give up. First of all, if you give up your job, we already talked about that. You already told me. I mean, you lose the benefits that you need to survive mental health. I will call out the bad. I will call it the bad. I will give my recommendation. I will build a budget.

Give my thoughts on your income situation and give you a broad, large picture and then connect you with resources after the show. That's what happens every time. I can do that. But me being your last ditch effort, I mean, you have to walk away from this and put in the choices. I can't make choices for you. That is not worth giving up.

Plus, I mean, you're 22. You are so young. You have so much life to live. Imagine you giving up at 22. What is 40-year-old you're going to think? You've ruined your 40-year-old self at that point. So how do I untangle this mess? Because at this point, that seems like the only option.

Let's go into your finances. But first, hit the like button. Hit the like button. It really helps support this video. I'm assuming you'd give yourself a score zero out of ten finances. right? And like, what would you say? Sorry, I don't want to speak for you. I mean, maybe a one.

Okay. Well, just... All right. Compared to, like, other people I know, like, I could be homeless in a car. Could be worse. Could be a lot worse. Yeah, there's lots of disqualifiers in my score. But if you want your hammer financial score, link in the description below. It's free. It's fun. We got PayPal. PayPal. PayPal. PayPal.

Credit and MasterCard. Okay. We're owning $330.30. The crazy thing, yes, the cars are big balances, a couple of big balances, but most of these are pretty small. There's just so many individuals, and the minimum monthly payments is absolutely obliterate your life. Abliterate your life. Well, I was told that, like, you should try to keep pulling out credit cards until you

get to, like, $15,000. What the fuck told you the... What? Just trying to figure out, like, some internet forms. Like, when I was in college and then, like, a college recruiter. TikTok, what have you done? Well, to be prepared, it's the recruiter. that sit on campus because like that's how I got my first credit card.

Wait, whoa, boy, the people with like the little credit booths. Yeah. Oh, fuck them. F*** them. Those stupid pieces of shit. They're like, oh, like, you only make $11 an hour? Here, pay rent and groceries on this card. Kill me right now.

And I was like, okay. If you're willing to give me money, I'll take it. Have we at least learned our lesson that that is bad? I mean, how is that? Have you seen the stack that is in front of me? Yes, you have you. Sent them my word. way. How is that not an instant?

Yeah. Opening all these credit is bad. Well, there's a lot of times that the credit came in handy. It's because you didn't have a fully funded emergency fund. That was your choice of the finances of you choosing to rely on credit cards instead of ever cutting down, building a fully funded emergency fund. And that would have replaced that situation. That's why you relied.

Well, there was times that I did have an emergency fund. How much? What was your max emergency fund? $6,000 between. Well, that's certainly not enough. Because emergency fund, it is six months of what you need to survive or 10,000 hours, which everyone's higher. But at like 21 and like 20.

Well, you work to get there. You work to get there. No, no, no. It's not magically going to your peer in your account. That's for sure. I just don't like the mentality of relying on a credit card. Well, it was just like, it's just all about like timing. Like, I feel like credit can save you from like changing your due date and like,

you use it to get away from, hey, I'm going to be homeless if I don't bank this Of course, absolutely. And there, okay, yep, I mean, there's nuance to everything. And that is a valid point. When you're going through that process, a building up your emergency fund and something happens and you have to pay for it, yeah, you go into debt. But what do you do then when you go into that debt? That's when you cut back on everything to pay it off as quick as possible and then continue that journey towards a fully funded emergency fund. But you didn't do that.

You just continued the spiral of debt instead. So yes, that's going to happen. That is going to happen. Like a car breaks down randomly. We have a lovely dog under this table right now that I've become best friends with. Hopefully, I knock on all the word possible. You know, do you have pet insurance? No, but there was times that like we got in a little stitch with our other dog.

Okay. Well, if you, you know, if something medical happened, you would probably pay for it. And that might max out a credit card because no one's going to let their pub get hurt. I wouldn't. I have two. I love them. Just they are my world. In that case, okay, that might go on debt.

But then you sacrifice everything in the world. to pay off that debt immediately. Sacrifice wants, not needs. I'm not saying go live in a box. But when you're in a two-person household and there's a conflict about what's the best way to do it, that's where a lot of the issues like stand with the finances. And that's why I kind of took over with like, I'm going to be the one that manages it. I'm going to make the final decision. And he had two credit cards in his name, one for his own personal emergencies and one for his rifle. Yeah. I don't think that fully justifies what you said specifically, but I do hear your point. But it was just like his mentality about like, it's not an absolute emergency until like somebody's banging on the door.

Okay. So, you know, nobody's. But is that your mentality? At one point it was because it was like, but is it now. I don't care about what. I care about it now. I've gone to the point that it's like, I'm realizing that like it's starting to catch up to me. Like. Oh, understatement of the year. Okay. Yeah. purchases $148.552. And $5.16 of interest. Oh, come on. In Freddy's and spaghetti works.

Some PayPal purchase. To be fair, the PayPal credit. Did you buy merch? Maybe when I got back into watching the show. Why? I specifically say on every merch thing, I mean, I would love you to buy my merch. It's fantastic. But you have a little time drop.

So I was like, oh, well, it's only a little window. Oh, I was afraid with that. I was afraid with that. Because we have so many ideas. is that the limited it does I was afraid with that I was afraid with that that that was one of my questions that I dealt with in that situation and that's

that's this that's the dirty money merch which isn't available anymore and the irony is that's the same sticker I bought it's a great sticker fantastic no that and not a good way let me be very clear if you cannot afford it

from my merch do not to buy it do not I'm not happy with that limited time it's the strategy that you just have to entail for merch to be someone successful, but it's only four people can afford it. There are people in my audience who can afford it. And see, I try to justify it in my mind. It's like, I'm only buying the stickers.

I'm going to buy the cup. What I talk to myself? Because you're not spending something more expensive? Yeah, but it's like, oh, I'm sorry. That's obviously bullshit. Potential. Nah, that's probably guess. Then what is Westin, West Minister, West Minister?

It's a restaurant within a hotel. Okay, so this is the point. If we built up all the debt, okay, that's the situation we're in. Okay, what do we do now? We sacrificed our wants. But you're not sacrificing your wants to pay it off. A lot of the times it's just me justifying it with like, the reason I was in Westminster is because I was looking at property.

Property? A condo, yeah. How are you purchasing a condo? How in any way are you purchase an accounter right now? Well, the broker that I spoke to is like, yeah, we can make it happen. Oh, please don't tell me you're going to do like FSA, FHA or something or even like a 0% program. That's what he was like, oh yeah, like we can get you down payment assistance. We can, like, you know, we just got to adjust your numbers and then it doesn't matter.

Like he said. You're currently spending like 33% more than you bring home. What's your current rent? It used to be 650, but then they changed property management and it's going up to 830. 830 is still. Kind of a blessing. Oh, no, it was intentional. It was intentional for that location.

I know. And then you lock yourself into a mortgage where rates are hovering around 8%. Well, my biggest issue is a pay. With like mortgage insurance and then whatever assistance program you're taking on, this will not help you in any way. This is going to hurt you. You can't afford to survive. I just figure if I can just squeeze things and move things around, then it'll be fine.

What are you moving around? Put it on a credit card, move the due date. Put what on a credit card? You have to make a payment. Like you put a payment of a credit card on another credit card? Well, some of these. Listen, if you even said that statement, if you even considered that statement, buying a piece of real estate is not in the picture.

I'm sorry. Trust me, I want you to have it. I want you to, you're going to do it. Well, it's going to happen. What's the point of, what is the point of being here? If there's anything I'm like good at, it's been real estate. Well, to be put into a place, like, how do I, Because that was the number one thing the broker said is like, there are some concerns with the balances.

So he gave me three cards that I need tackle. There are some concerns. There are some concerns. He's saying like it wasn't that bad. He's like, I've seen worse. And I was like, if you've seen worse, I can. Then that gave me. I hate that.

I hate the, it could be worse. I've seen worse. Yes. I have seen someone pissed themselves in front of me, drunk out of their mind on every drug possible, living homeless on the street. street downtown Austin that's pretty bad that doesn't mean that i can just go and do a bunch of bad but because that's worse it's okay that's not that's how it works if bad is bad as bad is bad doesn't matter if something's worse bad is bad well like the justification that like me and my ex had in our heads is like oh we're doing better than our parents so it's good enough but that's

do you know that's again i don't care about the used to what what uh It's just the credit. Like, it's, and like you said, emergency fund, yeah, but it's like when you're benefiting you. It's taking advantage of you. It owns you. It owns me at work too because I work for a credit card company. So what is this credit obsession? Well, it's like a lot of the promotion of like, even at work, there's like, oh, there's little things you can do to get around certain things.

And like, if, like our company, you know, policy for customers is like, if they want it, figure out how to get it for them. Oh, it's disgusting. Or like, how can you help the customer spend? Oh. So I absorbed a lot of that too, and then it's like... But you know that's wrong! You know that's wrong.

You don't know that's wrong. For the longest time, I was like, oh, yeah, that's not that bad. I don't care about the longest time. I want now. I want where your mind is now. I don't give a shit for the longest time. Now! Now I realize I've, I'm in a f*** up.

Like, I'm in a f*** up spot. So why would you go take out a mortgage? I just want to go home. I'm going to go back to Colorado. You can go back to Colorado and you can rent. You should see the market. Buddy, you're talking about buying a piece of property. Right now, the rental market is 10 times better across the United States than any buyer's market.

But it's like, it would be better just like pay, like in your wage is like you're paying yourself rent. If you can't afford it, it is not good. According to somebody, I can afford it, though. Like, that's where I'm trying to. Somebody. Somebody. The broker. Yeah, but they're a dumb.

they're a dumb if they if they say that they're legitimately dumb they're no no no what they're trying to get is their little precious commission I'm not getting paid by telling you this I'm not getting paid by telling you this I have no dog in this fight it's dumb I've bought a condo

I own um one two three four five six seven or eight properties I know a thing or two about that I guess it's because like they help my cousin by so I was like oh my cousin's place is pretty nice.

I'm like, oh. Oh. So it was a family recommendation. Great. What can I say? What can I say? What can I say to convince you? Okay.

Oh, this is impossible. Your mind's set. It's done. It's done. You're doing it. You're going to destroy your life. So let's go through here. Well, also I'm trying to figure out how to pivot from this.

How do I get out of this spot? Not by going into an 8% mortgage that you can't afford. I'll tell you that. Let's start. Let's go Best Buy. And the other thing is a lot of these are special financing. So it's not like not all of them are really generating interest. So that was the other justification like, oh, it's not real.

$2,366.27. The minimum monthly payment of $36. These are going to stack quickly. $11.94 cents of interest is accruing. 30% interest. Yeah, majority of them are pretty bad interest rates. Okay. Will you at least let me, because you're,

you're in IT support for tech, you said, right? Yeah. Will you at least let me gift you a certification through course careers to like negotiate that for higher income in the future? Honestly, that time is the best to try to get a better position because I recently moved into that position from the operation side of the company. Because that's when I started with the bank. I was supporting people buying motorcycles and ATVs and jet skis and at 24 to 35% interest.

And the people that called in always sound. I'm not it happy. Ignorance is bliss. $408.46 on end. This is in an interest-free period with a $40 minimum monthly payment. When does that interest-free period end? October. That one was kind of an emergency with the car.

Like, I opened it. My key had broken, and then, like, I had gotten locked out of it, so it was, like, the mechanism needed to be fixed. Oh, gosh. Because my- Going into debt for a mechanism. Yeah. well the card was like an individual debt like not even on a credit card it's like we just like

we opened a new debt well that's what i was kind of like my mom was like oh just open a credit card and just like when it's when never listen to your mom again for anything financial related well i'm realizing that now that their their mindset is a little bit broken because like even when i was they're like you know as long as you'll go over 30 it's fine to keep a balance or i don't want to punch them well to be fair neither of them had parents so it's like eh they're just winging it and Nobody has financial education in this country. It's personal responsibility figuring out on your own. And when you make a mistake like I did, like you have, is getting help, seeking out the resources necessary and cleaning up your life.

If they at that point have not, they have failed to try to learn. Well, that's where I'm kind of saying at now, especially like now that I'm not tied up with my ex, like, how do I fix my life? Not by getting a car. And to be fair, some of this isn't just mine that I'm trying to argue in court. Well, are you going to tell? Oh, you're trying to argue in court. So it's an active process. But all this is under you, everything that I have here.

I don't have any of his. You don't have any of his. Legally speaking. Yeah, because the other thing that happened is after I got assaulted, we separated finances because at that point I was like, I can't be here. From the roommate. From the roommate. Yes.

And then, so we find, we started separating everything, checking savings. And we had our own checking and savings. And what we were trying to do in Nebraska was like kind of reset our relationship. So separate finances, separate everything. stay legally married, but just date again. And then so we would go back and forth seeing each other, going on dates, spending on credit. I'm very sorry for everything you've been through to be very clear.

I really am. That's hard. And you're not brave for coming on. It's your actions after this that are the most important, though. And that's kind of where I'm sitting. It's like, I don't want to throw my future away, but it's like I've lived in chaos. the past few years, like, I don't know any different, but it's like, you're trying to tell me credit is bad, but it's like literally saved me in some f*** up situations.

I mean, in the way you've gone about it, yes. But again, there's many more smart ways to go about it, and that's what I was starting to touch on. It's like your credit wouldn't be what it is. If you saved yourself, as you say, on the credit, but then we sacrificed everything to pay it off, you didn't with your spending. You're not. So you're still not doing it in a way that makes sense. balance of $1,117.

In PayPal credit. All special financing, though. Yeah, for Intel. There's a couple. So the way that PayPal credit works is like each different one has different due dates. Yep. So I know one's coming up in like two months, three months. And that's why I picked up a second job to try to.

Nah, f***ing. This is going to, all right. Yeah. And you got to pay it in interest or else that deferred interest comes and gets you. So you need to attack this. 30% death, insanity. There's like three. Do you know how it was an 11 cents of purchases?

It's a Microsoft. Subscription? For school. Oh great. Wells Fargo. Everyone's favorite wagon. Yeah, I really want to get away from them because their banking is terrible. This is the one wagon I want you to fall off of.

Which is a pretty good one. That wagon I'm chained to. Because that one, the other thing about the Wells Fargo is I use it for overdraft protection. So it's tied to my main checking account. $576.89. Interest, $6.84. Purchases $391 and $80. Thing.

It was car parts. My car is kind of old. $25,000 minimum monthly payment. Overdraft protection. There it is. $156. Yeah. Chandler Barr?

Yeah, that's a, that's a, that's a, that's a, that's a, that's a, that's a, That's a car part. That I did. Twice. What I did is it's next to the laundromat, so I bought a drink and then got the cash pulled out instead of going to the ATM. If you're not willing to cut back. Okay. Okay. Capital One savior.

Though with that one at least wasn't binge drinking. Oh, I didn't even connect that. Yeah. $2,030 and 44 cents on this one. Minotally worth the payment of 65. $45 of interest charge. Oh my gosh. Here is again.

$6.44. dollars starting a sense of purchases. In interest is being charged. We can't pay it off, but we're going and purchasing. Some ticketing thing, a nightclub. In your situation, that's not a good environment to be in. And then McGrath Hill hire? Cousin invited me out and just like...

Does cousin know your situation? Different cousins. And they all... There's cousin know your situation. Yeah, but they're like, oh, it could be worse. It could be worse. Like, that's... Everybody your mom is like...

Your family is an enabling... Um, they're stupid financially. Financially. Financially. They're stupid. Yeah. The debt cycle is bad for everybody. And as I was like, oh, my debt compared to them, I can swing it.

I can swing it. So it's like, that's how I kind of cope. But then it turns into cop spending. It's a 32.25, 24% interest. A Walmart card. I don't like that. Only groceries. Promise?

I can show you on the app. Good. They're connecting. Thank you. because that's the hard part with Walmart. I just don't know. $28, minimum fee payment. $437.52.

$12.69 cents of interest. This interest is stacking up across everything. $440, $33 of purchases. Okay, so the Walmarts, though, okay, Walmart's are groceries, but you also stop in there and get like $7 of things. Usually that's bullshit. Like a drink or snacks.

Well, sometimes it is, it's like energy drinks and stuff, but it's like I'm buying it from Walmart instead of, gas station. You don't need it. Or I buy it in bulk. Try to cut down the cost. If it fits in the budget. If it fits in the budget.

That's when we can do that. Other than that, we do necessities. But you are stepping at the gas station getting $9.19 of stuff. Do you get an energy drink? Subway, is that an energy drink? There's another $4 energy drink from Walmart. That's all, anything on the lower car.

Yeah. Okay. Wait, wouldn't you tell me your last relapse was? The Blackout was my last relapse. Like the last time that I blackout drank. Isn't drinking at all considered relapse in an alcoholic situation? Not the way it was like explains to me by like the hospital. It's like if you can learn to take like one or two drinks and stop yourself, you're good.

The hospital's not for someone who's an alcoholic? So it was a religious hospital and like they had like they had people as like how to like because my thing is like I'm at an age as like most of the socialization that happens is drinking going out the bar. I know. dog parks I know people that drink at the dog park Oh they sound like That's a sad life

Chick-fil-A Certainly not an energy drink Yeah any food Return ACH card payment 100 bucks That was just a bad timing when I scheduled the payment So But I ended up paying it right after

Syncrony Oh this is a large thick of balance $1,000 We're sitting at a minimum monthly payment of $51. Okay. Interest charged almost $30 $800 payment. Thank goodness. Oh, but then $300 a

purchase is still. So fuck me. Can't get too excited. Well, my co-workers told me. It's mostly all blacked out, but it's pretty much gas. If you can pay the statements, that's how you can't sell the interest. So I've been trying to like, it feels like playing a game. But I said it again? If you just pay within the statement,

like the big chunk, if you make another. charge it doesn't count because you pay the interest for that cycle. Yeah, but why pay any interest? Well, no, to avoid the interest. Buddy, $30 of interest happened. Yeah. Security service federal union. So this is your car. Was my car. What? Is that this? Nope, that's a different one. That was his car. Okay. Okay. So what is this? What's the situation? So it was a 2016 Volkswagen Tegon. I thought my car was going out and it was, I was in Colorado. And my friend sells cars, and he's like, hey, I can get to a deal on a car if he want to come in. Well, he was a friend because he was just a salesman, and I knew it was like my biggest problem was the finance guy. But I did talk it down, like the down payment, and they decided that I didn't need to trade in my car.

So I was able to keep the other car, which worked out because I ended up totaling that car. They're not going to take a loss. Don't think you won in the situation, especially at a 10.4% interest rate of insanity. Okay, the balance of a car you don't have anymore? It's totaled. There's only $300 left on the law. Do an alcoholic situation? No, actually.

Unmarked dip in Kansas. Okay, good. So it wasn't my fault. $15,836 is still owed on this. What about insurance? Well, there's only $300 left on it because I just made a payment on it. And that's what's left with the gap. How'd you get the money to pay this off?

It got totaled. It wasn't my fault. So it was from the insurance. The insurance paid it. Okay, and it's at $300 now. Yeah, that's what I owe because I didn't pay for gap insurance because I was like, I didn't need it. Okay, good, good, good. Well, I'm glad insurance was there.

Good, because that's, okay. And the car that I drive now, it's kind of borrowed. Apartments. So that was part of the situation with the roommate is we ended up breaking the lease. And then the complex said that they were going to charge for fees that according to my contract didn't make sense. Because they said if you lived there for two years, they would cover certain things. But they're like, no, technically you didn't live there two years, even though, like, in the contract from the dates, I did. And so I'm fighting them in court on that one.

How many people are you fighting in court right now? About three. With who? Who's representing you? So my company pays for legal services, and I pay $3 per paycheck. So, like, my divorce, I've only paid, like, $200. What's the other one? Suing the roommate.

for damages. For sexual assault. It was a physical assault. Sorry, for physical assault. Yeah, I mean, getting bit in the face. A bit? Yeah. Is he a fucking bat?

No, he's psychotic. He was not well and should not have been insecurity. Oh, he was insecure to kill me. What is this world? Yeah, so they were like used to like fighting with people all day. So it's like they had some violent tendencies. But he pites them? Well, that and like...

This guy sounds like a mess. He was worse than me. Like, he has 50 kids. of medical debt and was like behind up payment well that's what I'm saying is like I directly lived with somebody that's like oh at least I'm not that guy oh okay we have 5,756 dollars of different loans with all these other places one loan was for Nebraska and one loan was to for ENT yeah they were for what for the consolidate part of the credit oh okay so this is a consolidation there's two the smaller loan is for moving well there's a $5 one oh that's savings that's savings

cancel that one. Okay, 1,420. Because I used to automate my savings where I try to treat it like a bill, like, oh, this money is going to disappear. Yeah. And I would put in an account that I couldn't see because I don't check this bank account as often. But then when I get in a pinch, I'm like, I do know that money's there. It's a 12.5% interest. F*** me!

With a $67 minimum monthly payment, if I'm not mistaken. Fighting them in small claims court at the apartment? Yeah, because part of my services, they cover tenant law. It's a really cool employment perk. Yeah, MetLife Legal. Love it. But you just got to find an attorney that will accept it because some attorneys do not like the insurance. Yeah.

But for up to 20 hours of work for free, when lawyers charge like $300 plus. So there's no way in hell I could have afforded to, like, fight with them. Okay. And then we have another one here, $4,3003. $4,335.70 with an interest rate of 11.5. With the minimum monthly payment of $162.20. This is never ending. You go to your mom.

For what? I mean, some of the mindset was like, as long as you pay rent, you don't really have to worry about the other bills. Huh? Like, as long as you have somewhere to stay. That's why you borrowed from your mom? Well, I borrowed from my mom because she was willing to help because she didn't want me to be at that apartment anymore.

So she's like, I will give you some money to break your lease. Have you started paying her? I've been paying her since day one. What is it? The minimum monthly. Usually 200. And then when I went on my medical leave, she'd put a pause on it. And then I just started paying again now that I'm back at work.

It's the most expensive one so far. Yeah, because it causes issues. It causes issues. Yes. And that's why barn from family is wild. What's this? This is the one that just got taken care of, right? Oh, yes.

That's the loan. And that's what I was trying to say. send to them, but I don't know. So what's your car situation right now? So my dad, so I ended up giving my dad my Jeep because I got the Volkswagen and to also like get rid of stuff that could be claimed, you know, if things fell apart. So he took over that. He took over the insurance. What are you driving right now? The Jeep. Oh, okay. And do you, so you don't have to pay anything for it. I will have to eventually start paying for the insurance. But that's it. There's no minimum monthly payment or anything? Nope, it's a hand me down. When will you have to pay for the insurance?

Probably not until next month. Next month. Okay. Yeah. We'll calculate that in the budget then. Student loans, you better, you better be on some, like, fucking plan, right? They don't start until August, but they should only be, like, 150 because my degree, like, was pretty cheap. Well, you have $8,000 of student loans. That was for the whole degree. What was your degree? So it was, it was, neuroscience and then kind of like a minor in business management nonprofit and that I got in 2021. That one I'm kind of proud of because it's like another could have been worse. I could have been 30K and dead. Shut up with it. It could have been worse. I never want to hear that out of your mouth again.

It's too much of an excuse and justification. I'm not even saying this is bad. Not even saying this is bad. But stop the it could be worse. Please. That is going to hold you back forever. It's going to justify and allow things to be seen like they're okay. Doesn't mean it is. It's okay because like you said You literally seen people homeless On the show, right? Oh my gosh, that does not mean your situation's good though It could have been worse as the ultimate

Just excuse to just allow it to be like Okay, everything's actually okay And my mind, it kind of is because I'm not homeless I paid my rents I have no bills, I have 100% payment You could be homeless Could be Could be

And I think you're headed down the path financially If I just stop paying the car credit cards, I won't want to worry about it. Well, you know how you like to litigate some people? They could litigate back. They oftentimes don't. Don't they? They could litigate back.

Legally speaking, they could. They could come after you. Typically don't, but they could. These are small bounces, so I doubt they would, but they could. People have requested that I do a live Q&A for a while now, and I'm excited to announce that I finally am. On Wednesday, March 20th at 8 p.m. Eastern, 5 p.m. West Coast, we have an exclusive live Q&A for anyone taking or has already

taking our budgeting program. It has changed thousands of people's lives and we're constantly receiving testimonials from those saving money and fixing their financial future, showing that we made the best budgeting program in the history of the internet at the best price. Sign up using the link in the description below and join me for the Q&A where I answer your questions live. Technically, legally. You signed a contract. You're not too worried about you. Remember the contract that you signed with the apartment and you're holding them credible to that contract? They can do that too. They probably won't, but they could. I guess it's a little bit easier for me to justify because it's like they're just a faceless company and if they're going to give me money, it's whatever.

What does that mean? You don't feel moral responsibility when you borrow money from someone? Well, I work for a bank and I see what they do to people. So it's like, why should I care about them? Well, it's still a contract that you signed regardless. Not saying they're angels by any mean, but you signed the contract. And I have 100% payment history. You can check my credit report. I've never missed a payment. Good, good, good, good. But as these minimum monthly payments stack up, when you say it could have been worse, I could have been homeless, has these stack up. And you're talking about getting into a mortgage that you definitely cannot afford in any way whatsoever. It's like that ends up to a foreclosure situation, which could end up in homelessness. So I don't want

that it could be worse. You're heading down the path of it could be worse because you tell yourself it could be worse. Well, I've seen even like families save themselves from like foreclosure. So I'm like, it's not over until it's over. Gosh, oh my goodness. You're too comfortable. You are too comfortable. $1,600 is due for my on-plan health. So when I... The insurance paid for most of it. Did the divorce. It changed my plan a little bit. So like my company gives me on tax money to spend on health stuff.

Yeah. So therapy, medication. But it went from $750 down to $500. and I didn't realize that. Are you on a monthly payment plan for this? I scheduled something with the doctor's office directly, not through the company, because I'm going to try to use my gym membership because they pay for that, and I just got to send the statements. It's a big benefit package.

That's one of the few reasons I haven't. I can't find another company even close. Sure. Okay. Dentistry. You owe $15. And that's part of that. But why not just pay $15?

I'm going to. Like, I've already spoke to them and they're like, yeah, don't worry about it. If you're going to talk to the insurance. So I was like, if they're not worried about it, I'm not worried about it. Fair enough. And they're like, this screams you though. You're just like. It's a smaller fire compared to the other fire.

So it's like, I don't put metal energy in it. Okay. Dry wall? Oh. The damage. Okay. But there's a possibility that the apartment will cover it because of, uh, domestic violence laws.

Yeah. But they could still charge me. Yeah. They're still on the fence about it. Oh, yeah, yeah. But I didn't get a police report to them so that's like they have a record. Man, is a hole in the wall going to be proof though? Because like anything could be a hole in the wall, you know?

Well, they, they worked with me through the situation. Okay. Okay, good. So there's things on paper that's a record. Yeah. Good, good, good. I'm glad to hear that. Well, I'm not glad to hear that, but I'm glad that there's stuff on your side.

$275. And that's what he goes back to He could have murdered me. Could have been worse. Okay. All right. Okay. $416 to do.

My gosh, this is just endless, isn't it? This is another medical thing. So what's your, is it the same? Are you going to try the same thing with this? It depends which one is that one? Because there's three main ones. Intergradive. That one I'm on a payment plan.

I just paused. What's your monthly? It's about 40. You paused it? Yeah. because it was my therapy. Oh. That's what that is, is a therapy bill. Because the other thing, too, is I was on a plan.

Can you stop therapy? Well, because I was on, like, with a student, so they only charged $10 a session. But then they left, and then I had to go to a professional. And after insurance, it was still like $1.90. Okay, okay, okay, okay. And I kind of needed therapy through everything. Just tell me what that is. That's the dentist stuff.

That's the... We already looked at that. Yeah, you've already looked at it. That's all... Okay, so that's all the debts. That's all the debts. the hospital bill. An extra hospital bill.

The insurance cover the majority of it, but there's still like $1,600. But my lawyer... There's a payment plan that's going to be set up after the divorce finalizes because technically medical debt is a marital division, a marital liability. What's the payment plan? It's going to be probably like 56, 47. Okay. Is like the minimum.

Okay. Oh my gosh. Wells Fargo. $60. That's terrifying What are you transferring to fidelity You can't afford to like pay your bills Oh

Yeah Kill me But the way that they justify to me It's like you're paying yourself So it's like it's only And it's a small percentage Going out to eat there with the Vagaya

I think What's this security Online? $298 Which one is it? Security SRV FCU Overdraft protection $10. Overdraft $156.

More payday $4-1K loans. Overdraft. The overdrafting did not happen before I went on my leave because the other thing is I lost part of it. It's happening now and that's all I care about. True. But I was being paid weekly so a lot of my bills were structured for that. Restructure.

That's what I'm trying to do. It takes a couple hours to sit down and go through it. No, you would have, if you were trying, you would have done it. Zalin out $40 then went out $35 The $40 is my phone bill Transcraned That's pretty good

40 bucks I bet My brother-in-law used to work For the company Okay okay Yeah I mean I was I'm actually getting a phone from them So I can like test it

But I always Plug my boys over at helium Where it can be like $20 a month Which is pretty sick as well That's what I looked into When we weren't shit You always want the best for your family And that means only Egglands

best eggs in your kitchen. Compared to ordinary eggs, Egglands Best Eggs contain six times more vitamin D, 25% less saturated fat, more than double the omega-3s, 10 times more vitamin E, and more than double the vitamin B12. So why give your family less when they can have the best? Add Egglands Best Superior Nutrition to your next grocery list. Better taste, better nutrition, better eggs. Sure, if he was going to keep his employee benefit, because they let him go. and that's another reminder that companies don't give a fuck about you. I'm a company. I care about my people.

What are you talking about? That's a small business, but what happens when you get big? I would like to think I still care about people. Sometimes you have to make hard choices. Business choices for the sake of the business, which impacts every other. If the business goes down, then everyone loses their job. I don't think anyone enjoys firing people.

I think that was an over, like, I think that was a. A little bit of a generalization. I can see that. This is just showing my payment history for the loans because, like, the statements are kind of funny because one bank will do it in all your bank accounts on one statement. The other one is a bunch of separate. Same with that. Same with that. Yeah.

So that's just payment history. So I've never missed. I've never missed. That's great. That's great. I mean, I wouldn't, I'm not yelling at you for something that you didn't do. $60. $46 in your checking account scares me.

But $710 in wealth far as savings. So the way that my banks should never be overdrafting. Well, the way that my bank is structured is. I have three accounts with Wells Fargo. I have one that's automated payments and my direct deposits. And then I have another one that I try to keep a little bit of cash stashed. And then I have one that rolls over. So like every time I spend from that bank account, it rolls the change over so that I can have a round number.

So that I can like quickly. It's like, oh, I can swipe the card because I know I have this much. So I can swipe the card. It keeps the number around. So like I was trying to set up systems and do automated payments and like move things around automatically. Yeah, you're moving things. Okay, you transferred and transferred out. It's getting weird and confusing.

A producer just told me you emptied this savings account? When I went on my medical leave, I was draining a lot of my savings. And then this one's also zero, not too. Yeah, all my savings are pretty much gone. Great. Awesome. And where are you, so you have a little bit in a 401K, even though you have leverage against it anyway. So you're in these Target Day retirement funds.

I like Target Day retirement funds. Don't have much in that. But actually, for 22, I'm actually kind of, it's so weird. Your financial situation is so weird. You have $7,000 in there. Targeted in their retirement funds are great. And there's another account in there that we try to set up to do it for my ex-husband, too. Like that IRA that's empty, they used to have money in it because it was for him.

But what's your 401K loan? There's three of them. So there's different amounts. Okay. I think I haven't ran down here. Okay, $1, $600, $671. I realize another bad habit is like, I don't know off the top of my head where I'm sitting half the time. Where what?

Half the time, I don't know where I'm sitting. I'm just, like, financially because I just let everything on me. So you never budgeted. Okay, go through our budgeting program. Go please. That's what everyone, every guest gets it for free. Go through it. It has changed thousands of people's lives.

Please, please. Like, actually take the education, the class, go through all the questionnaires and take the quizzes, please. It will literally change your life. We're going to create a budget, but like what's actually required to do budgeting is like spending hours going through it the first time. And then on a monthly basis going through it and eventually get shorter and shorter every time. That's what you got to do. We're going to put something together, a loose budget that gives you like a vision of what you need to do and how long things might take. But go through the program.

Yeah, because everything feels like it's on fire. So again, you do spend, double what you make, almost double, 34% percent. or your spending is going net into debt, $1,7009.10. I'm glad it's at least a large percentage. When you have a lot of debt, we need to start putting it towards the debt. A lot of that is just minimum monthly payments anyway. That's just stack, sack, sack, sex, sex, sec. And that's what I'm feeling the death by $1,000 pay for cuts.

Absolutely. Yet you think debt's good and you should take out more and that you're taking advantage of credit, but credit's taking advantage of you. Nothing's good in any way whatsoever. So why have you said that credit is good and that you want to take out more debt? That doesn't make any sense. Why would you add more cuts to the cuts that are killing you? I guess it's like the information that I'm getting is very, like you said, there's people who have dogs in the game that want me to spend.

Cool. So you're done with that then because I've corrected that, correct? Yeah. Like I. Okay. So you're not going to get a condo. Yeah. Right now. Right now. Not right now. But that's the goal. That's.

Sure. Absolutely. I want you to. I want you to get whatever you want in terms of your first property. Absolutely. We got to get there. Let's not rush there and hurt ourselves because then you become house poor and then you get. And even. I know I keep saying like, but it's like people justify it. Do not say it. Do not. Do not.

Don't have a house. It might be more than house poor. Don't. No, being house poor is absolutely worse than rent. Are you kidding me? It's not even close. 0.8%. Okay, the housing total $766.84.

Phone total, 0.8%. We know that was 40. And transportation total 12.6% or $6.000 or $6.4. And I don't spend a lot because I work from home. Necessary food, groceries, 4.2% or $210.24. Food going out to eat, it's not crazy. 3.4% $1.70.71. But when we're spending double, we just can't unfortunately afford.

Miscellaneous, or medical, sorry, medical is 0.7% miscellaneous bullshoulders. We should stop and getting drinks. We know he did that a few times. It's 0.8% close to 1%. And other large purchases was 28.3% or $1,419. Let's take a look at those. And to be fair, like some of the big purchases I made is because I'm going to Europe this summer. What?

What? What the, what? I'm going to see the Olympics. What the f f. Yeah, so you can't afford to live. Why are you seeing the Olympics? Again, I want you to, but that is a want. You can't afford to live.

I don't give a if you're seeing someone carrying a thing that's unfired on a path. It's kind of too late because I already made the purchases. Oh, kill me. Trying to refund them as much as possible. it's kind of a little past those were Oh, what have you done? How much did it cost? Because then you're going to go there

and you're going to spend more money getting on food and shit. Well, it's $2,000 for just the plane. That was from the states to Europe and back. And then my friend, she's going to cover the cost of the hotel. Oh, I want to fucking just ruin. And she's like, oh, I just got a card just for Europe.

And I'm like, I got a car just for Europe. Southwest Airlines. Yeah. That was a large thing. And there's legal fees. Then a hotel, then Venomene and all. Oh, okay, okay, okay. Can we turn on the AC in here?

I'm sweating. This is insane. This is insane. Keeps going. Does it? There's more? Well, that's a lot of the issues is like there's, I have to. More?

Well, after the Europe is like, so that's kind of happening. But it's also like I'm getting ready to move into this new complex and I'm trying to figure out. Complex. I thought you were buying a condo. Well, I can't leave my company. So this is. I'm stuck is I want to quit my job so I can go back home. But I can't go back home because the company...

They don't have an office there or anything. You said you work from home. It's you're required to live in certain cities. So I... Is there a city closer to whom? That works? That would be back where my ex lives. So no.

Because we left that city to go to Nebraska for college. Nebraska. Because we were going to go back to school. Corn. So much corn. And a lot of cows. Fun fact. There are more cows than people. That is fun.

What are the minimum monthly payments total in your 401K loans? Off the top of my head, I don't know. I'd have to look at my... Come on. My list. Do you have it? I do. Well, I'm just...

And see, I was always told... Well, as long as you have a rough idea. You're always told a lot of things, and I don't give a... No offense what you've always been told. I don't. Everything you've always been told has been wrong. You know that. Stop listening to people who don't know what they're talking about.

I don't give a shit that people have said. educate yourself and form yourself from reliable sources don't the I've always been told that's done just to be clear that's done with your life

no more urban myths well how do I how do I even know that you're because like that's a big thing too is like content from YouTube and forms and I've looked at books and it's like

their dated information about the economy that was like 10 years ago well I'm not trying to get you don't need an economics degree but simple truths about debt are pretty similar depends on who you ask

that's the thing is like there's always a different opinion like some people sure there's always a different opinion but there are objective realities that like there's YouTubers like oh you can just do this with your credit or like travel but he never says hold a balance he never says once hold a balance

I'm saying there's lots of different YouTubers who says hold a balance nobody holds the balance but like that you can use a card for this for traveling or no of course travel hack and do it like oh it's 5% and you always can if you're a credit card person you're not a credit card person I'm all about that you do.

Yeah. You're leaving out the equation where you hold balances. None of them say hold balances. So I disagree with what you're saying. Sure people have different opinions, but what YouTuber are saying hold balances? Not necessarily. There are. What is it?

People who have said, and granted it's probably missed pushed out by banks, like saying that keep a little balance to show a payment history, showing that you're making a payment. Yes. But even if you did that, you don't have a little balance. I wouldn't come after you and like obliterate you for. holding a little balance. I'd be like that stupid fix it. But this is not a little balance. So again, incorrect. When it was two incomes, it was easy to pay off a lot of these. But it's not. And it hasn't been for a while. And you haven't, you haven't adapted. Yeah. Even cut back. You're still spending.

And that's kind of my goal. It's like, how do I live off of the one income? Because together, like, our finances were like, we were making about 70K together. And then our apartment was pretty cheap with a roommate. You all right, though. It is hard to sort through what the good information is. I've seen actually just a lot of people This is just a vent of my own A lot of people are like Why would people ever buy the budget program On all this information is for free online

It's so hard to tell what's a reliable source What's good everyone has different opinions So what we did So we like brought experts in the field together And we like created like one concrete place That everyone can go through And it helps people like you It helps people like her

If you're that person who's annoying And says that kind of crap Because it's impossible You go and try to search things And you're going to get a lot of information You're correct. None of the information that says what you're doing, though. So I, like, I don't buy that. Well, just frankestining a bunch of information is like, oh, it's not that bad. Or it's, you know, the misinformation from family who obviously. Not to listen to family about financial advice. That doesn't make sense.

But who do, like, that's maybe people like in your corner. I know. No, no, no. You're right. No longer do that. Just don't. They've led you down the wrong path financially. Just don't listen to them anymore. You email me. Okay. You email me. Can't promise an instant response, but we respond. I'm going to put your budgeting to the test.

Yeah, yeah, yeah, yeah. And you have the Discord with all the other guests so they can help too. Everyone's like holding each other accountable. What are the minimum of the payments on the 401 case total? My bad. It's okay. A little bit of a squirrel moment. We went down rabbit hole.

So they're all relatively small and they come out of my paycheck. So I don't even see the payments. They come out of your paychecks. Then never mind. I'm not counting them because we're going to do your net. And then we're budgeting off of that. And they're all under $20. As a viewer of my show, I'm sure by now you have a good understanding of not only how important it is to take care of your finances, but also how important it is to take care of your financial future.

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How much you spend on gas a month? Probably like when I'm just in the city, just 120. Normally, just on average. It's because sometimes I drive to Colorado and that throws off my budget. On average, on a monthly basis, how much? Average it out. Probably 150. Okay.

What's the new car insurance going to be? It should be 128 and then that's bare minimum insurance. Okay. Okay Tell people, fun, this is anything else You need to survive

In life, $100 Going to the grocery store Buying food to eat, $300. Decaum medication Huh? No, no, no, no. Not yet. That's in medical.

So medical, give me your medical expenses on a monthly basis. This includes therapy because you should be going to therapy, to be clear. I think we already determined that. I'm trying to find a cheaper therapist.

But with the current cost, after insurance, my therapist is 190. I go once a week and then medication's 80. about some online stuff. Well, this is telehealth and stuff like that too. Yeah.

It's a specialist. She's a specialist for my condition. Okay, so how much? What are we going to budget for that, plus medications? I just need a number. You're going to do this more concrete anyway, but I need a number.

I'm on the wait list to go back with a student, so that should put it back down to 80 a month, and then if I need the specialist, $190. And then medications? $80. Jeez. Yeah. And all these.

These numbers changes when you lose your job by quitting your job, which... And that's where I'm at. I was like, I want to quit my job, but it's like, I'm changed. Subscriptions are done. No more. What's your rent currently? It's going to be base 830. Water, gas, electric.

About 70 for water and trash. And then electric is between 80 up to 120, depending on the winter. Call it 100. Internet. Paid for by the company, but it's 40 that comes out of my account. Okay. But they reimburse me. Oh, okay.

Because I work from home. All right. Your debt minimum of monthly payments. Let's get that. Yeah, watching your type isn't the most comfy feeling right now. Yeah, you should have done this multiple times before coming out in here. And you'd be in a completely different spot. But let that be a lesson to everyone else who's watching.

Because you can't go back. Okay, $979.97 cents. that's insane I didn't think it was that bad I don't know how you didn't but ok-do-ky because it's a lot of made I don't even look at it

it's a lot of putting your whole head in the ground hiding from it so let's get your minimum monthly expenses anything else that you need to survive that I have not incorporated into this no I use my main job

wait did I see Jim but that's also from it can be reimbursed I just have to send statements and it's only 35 and that's Send the statements Okay Okay

So minimum In order to survive Is 2,967 97 cents Oh and food for patches How much? That's about 40 I get the big bag

I'm also throwing in pet insurance So let's call it 60 60 for dog Do it It has saved me thousands It will save you I feel like I've looked into before And it's not that cheap

So who do you partner? with. Well, I don't have a partner for this one, but I use, uh, me, maybe it is more expensive. I, I, I looked at pet best because my company owns pets best. Okay. I do lemonade. Mine might be 40. 40 and that's for, so let's call it 80 total for dog. Hi buddy. I'm going to give them. I'm going to give her a pet. Well, hopefully they don't quote too high because my other dog is older and a lot of time. It might be more difficult, but let's at least get the younger one on so they can be on something. Okay, so plus 80 for that brings us to now 3,047.97 cents. She's farted on me a couple times, but she is very cute down there.

At least your feet are warm. I know. I enjoyed giving her pets before we filmed and many pets after. I'm working on getting the paperwork for her to be like proper kind of support animal. But my- She seems like it. She's so freaking chill. You should meet my other dog, who's my actual support animal. More chill. Wow. Way chiller.

Wow, that's wild. I didn't know that's a thing. Yeah. But he's old. He's my little old man. Do you want to see a picture? Sure. Sure.

Yeah. But he's, he's kind of expensive because he's old. How old? He's going to be 12 this year. Oh, yeah. Kind of dog? He is a pit bull mix. Stephshireshire.

That is. Oh. He's just a baby. He's just a boy. But my ex took him, so. Oh. We're fighting in court for the dog. Yeah, I would too.

I would do anything for mine. Okay. Yeah, I've got to go to South Dakota next week for a court. Essentially getting about $3,000 so you're like breaking even. That's where it's at. It's going up because we just got a coin. So what do you think it's going to go up to net, like $3,200, $300, $3,100, $3,100. So it's 3,000 off of my new base and then the 10% differential.

So it's like I'm making like $25.50 an hour. For how many hours? I work 40s. And then sometimes I'll do overtime and then I have a second job. How much do it? going to be net. I've tried to ask that a couple times. What do you think is going to be net? Because you have a lot of things that just take advantage of. About three. So it's about the same. Yeah, it's about that. Because a lot comes out for insurance. A lot comes out for the 401k loan.

I have bad news. You need 3,000 to survive. So unfortunately, we've dealt with this on a few episodes now. It's like, mathematically, there's nothing I can do here. Like, if your income is what you need to survive, and that's you living in a minimum and you're not living a minimum, right now you are going out. It's not a crazy amount, but you can't afford it. And then you like a penny, you can't afford it. He's getting heartburn and sweating from this mess. This is a big one. Yeah, I had to bring a small tree to get all these statements. I would certainly be working as much overtime as possible. Anything that's available. Now, again, this is going to be a mental health thing and you need to talk to your mental health professional about this. But what I'm saying from a financial point and then changes

based on mental health, stay there as long as you can in this job. And then we move back when things are financially secure. I don't want you to walk away from this. You sign the contracts. Let's be an adult. Let's pay for it. And I know you can do it. Pick up as much overtime as you can.

Now, what sucks? I did recently start a second job. Really? Yes. How much? So you're bringing in. 14 an hour. But it's not a lot of hours.

How many hours? It's about six a week doing weekends. And then once in a while I'll do like door dash and stuff in like the city. Now that I live in a bigger city. but it's not a whole lot well let's just go off of that yeah it's gonna be an extra about well yeah net

maybe 300 yeah for tax $2.75 that can help start moving the needle but again for what's minus the car from the total debt but on just about

what does this give you let's say you put the extra 275 towards it on a monthly basis it takes 54 months four and a half of years that's I don't want you to wait that long to move home so it's clear is we just you need to work as much overtime as possible

if that second job is not giving you enough hours we're getting a different second job the Uber Eats, it's going to be dependent on the area or DoorDash Well I got that job because it has benefits that I don't have to pay for the gym anymore because I get a free membership so Okay well I'm sorry but saving $13 a month

is not going to be the make a break Whereas if you go make hundreds of dollars more a month somewhere else it's going to be much more worth it. What's bigger? Hundreds of thousands of dollars at the gym. Obviously, yeah. But I'm just saying it's like just trying to find a job that doesn't interfere with my job is a big thing.

Yes, absolutely, of course. This is going to take work. I'm not saying this is the easiest thing in the world. But if you only do what you're doing now, it's going to take five and a half years and I don't think that's an option for you. With mental health, I do not think so. So what you have to do, have to do as just a responsible adult, I'm sorry that you're in this situation, but you are. Hopefully some things with the court, you know, that helps. but regardless of all that, what you have become his.

Exactly. But what you have to do regardless is you're going to need to bring in about an extra $500 a month minimum. That will at least bring this closer to like three years, you know. If we can get even like an extra $1,000 a month, which might be, you might be looking at. I'm working like 70 hours a week. This sucks. I have no life. That's okay.

I would rather you have no life for two years and have an amazing rest of your life. because you have so much like to live. But if you keep kicking the can down the road and you don't sacrifice now, it's going to be long, it's going to be painful, it's going to be stressful, it's going to be bad for your mental health, you're never going to have enough money to retire,

and it's going to just be bad, and that's not what I want you to do. So right now, sacrifice is the name of the game for you, and by that, I mean, not only cutting back on your expenses, but work as many hours as you can at any amount of jobs. DoorDash and Uber Eats, you're going to, I know people here who have made a shiard of money and I know people here who make no money.

You've got to figure out if it's mathematically worth it after all expenses and maintenance and gas and all that. If it's not, we're trying to do something else at a coffee shop. For example, here at Tesla, I can't speak about your town, but they're like, they're like begging, begging at the cyber truck plant, begging, begging, like $23 an hour. Like they'll accept anyone off the street. They're like, please, we need people. Like, there are opportunities, not luxurious, not great. But guess what?

They will get you out of this situation. And if you can get out of this in a couple years, you have so many decades left, so many decades left of an amazing life. So that is your choice going forward. On the mental health side, you need to talk to a mental health professional about that. I can't do anything.

But the finances, a lot of that. From our end, it's your choice. A hammer financial score, let's do it real quick. I'm guessing it's a zero, but, I mean, let's think. Let's think. spending for actually spending in a budget you shouldn't be overspending your budget but what your percentages were in terms of your food i'll actually give you a more generous two out of ten unfortunately that's generous but debt you're not missing any payments you're not in collections

you are taking out of 401k and i'm gonna one out of ten emergency fund there's nothing there we drained at zero 10 retirement there is there but you borrowed against half of it so it's gonna vest and then it's gonna be double because it's like well even still we are borrowing against it so i am gonna have to lower for that for your age i'm gonna give it a three out of ten. Real estate, not there and don't get there yet. Trust me, you're going to fuck yourself if you do zero out of ten. I mean, just look, you're breaking even right now with a low rent. So a mortgage does not make sense. Hammer financial score, 1.5 out of 10. Make sure to check out all the resources linked in the description below. They are what I use or would use in specific

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