Financial Audit - Immature 24 Year Old Doesn't Care If She Dies In Poverty

Episode Date: June 7, 2023

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I'm Shameh, I'm 24 years old. I'm from Houston, Texas, and this is financial audit. What do you do for living in Houston, Texas? I serve. Should I tell you, like, where? That's up to you. Okay, I work at the Cheesecake Factory. Oh, okay, so you know, like, all one billion options?

Yeah, it's like 300. Well, yeah, one billion, close, like 300. Is it true that they test you on it, and then if you don't have it, you get fired? Or was that, like, an online room? Test on what? Like, they'll randomly test you on a, menu item? No.

Whoever like, yeah, made that up, they definitely just made that up. Yeah. Okay, cool. Yeah. So cheesecake factory,

how many hours a week do you work? Um, I want to say maybe, uh, like 30, like, is on average. Yeah.

Not much. What are you bringing in on a weekly basis? Would you say? Weekly. Okay. So it varies, you know,

because like, as a server, it's, um, kind of like a hit or miss, but mostly mine is more like a hit most of the time. Um,

I want to say, uh, it still depends, like maybe four to six. 100? No, that was, a week?

A week? You said a week. Oh, is that a month? Yeah. Four to six thousand? So we'll say five thousand? Yeah,

on average. Yeah, on average. Yeah. Five thousand. Good. Now, is that, do they,

so, okay, at Cheesecake Factory, do that, right? Do they, do they, your cash tips,

and everything, do they tax them up front, or do you get them and then? So, man, honestly, I don't even know how that works. Because we get paid, like, what, $2.13 an hour. And then they kind of, like, take it off of that as well. Yeah. So we have to, like, claim our tips. You do claim your tips? We do, yes.

Oh, okay. So then taxes would come out of the time. So $5,000, that's actually pretty sweet a month on average. Is it really? Post taxes? So that's, like, what's getting in your checking account? Yes. I mean.

Wait, honestly, I don't even know how taxes works. Well, that's $60,000 a year working as a server. So, yeah, that's fantastic. I guess. Do you like it? I love my job. Really? Okay.

Like, I feel like, I don't know. I know a lot. Like most people don't, I guess, like serving because I know most of my coworkers don't really like it. But I just love, like, connecting with people. Like, I just feel like it's in need or just, like, take care of people. It's just something that I'm really, it's just my thing. If that makes sense.

Yeah. Yeah, but yeah, I do love it. I do enjoy it a lot. And then I get to like live my life and everything. So it's pretty cool. Well, if you want an extra $1,000, make sure you're subscribed. Because one of the first 50,000, one of the first 50,000 subscribers here will win $1,000. And we are 2,000 subscribers away at the time of filming this video.

So get us there by the end of the year. Love you. Share it with your best friend. So, okay, still. I mean, that's incredible. And you like your job. 23 years old, 24, did you go to college? I did.

I went for like two years. Okay, so I moved here nine years ago from the Philippines. Really? Yeah, I was 15 at the time. And then they actually put me as a senior. Like, I'm telling you this because, like, it's kind of like, like, one. Well, I don't know if I'm allowed to say this. Yeah.

Tell me, but you have no accent for someone who moved from a country of 15. I feel like there is like a little bit, but like it slips like every now and then. Okay. But it is a little weird because I barely knew English at the time like when I moved here and I kind of just like adapted. Wow, good for you. I know, right? That's sweet. Yeah.

Okay, sorry. Go ahead and continue your story. Oh, right, right. So I was 15 years old when I moved here and they put me as a senior, like in high school. Like I was a 15 year old senior. I graduated high school when I was 16. Okay. And so after that, well, Filipino parents, they were like, okay, you got to do college right after, even though you're like young and don't know what you wanted to do.

But so then I'm like, okay, well, I don't have a choice right now, but to go. Yeah. And I didn't know what to do. But my entire life, I've been singing. So I'm like, it would make sense. Oh, okay. If I'm major in music. Mm, okay.

So I tried that, and then I dropped my classes, all of my classes. like after two weeks because that was not it. Music major now? No, like I basically like jump from like majors to majors. Like I went from communications to engineering to education, everything. So, but after that I'm just like, no, there's no way. I don't know what I wanted to do. So I basically just like finished, what is it, general studies.

Okay. Yeah. Did that, finished it, got my associates for it. And then I tried going back like two years later. That was not it. You did get your associate's degree, though? I did. Okay, that's cool.

Yeah. So I'm glad you're able to get something out of it. Yeah. Okay. I guess something ish in a way. Well, yeah, no, associate degrees definitely have a return on investment. So you did that. You got an associate's degree.

You didn't necessarily know what to do, and now you're working as server at cheesecake factory. And the general assumption in the broad audience would most likely be, okay, server, probably not making crazy amount of money. Is that really what you want to do for the rest of your life? but $60,000 a year post taxes. I mean, you're making a killing right now. And I'm loving my life. What do you want to do?

What do I want to do? I actually just had this question asked not too long ago. And you ever heard of a burlesque dancer? No? Maybe. A little. Sounds familiar. Okay, so all they do is like perform, like sing, dance, and look like sexy, like pretty

and cute while doing it, if that makes sense. Yeah. Yeah. Okay. But that's like something that I've always, like, wanted to do. Like, getting paid to do that would be freaking amazing. Okay. Well, what's, like, the market for that?

That's what I'm curious about. I have no idea. Okay. Like, where do you dance? I don't know. That's the thing. Like, I've always wanted to do it, but I don't know what the first step would be. Okay.

That's definitely going to take some research. I know, for sure. And that's why, I mean, I tried to do. too, but I get so overwhelmed with all, like, the, like, everything, all the results. So I'm kind of just, like, putting myself out there. Yeah, I mean, you probably need to get some connections and stuff. For sure. Connections and, yeah, like, a lot of good one, for sure. Are you going to show us on camera?

What? Dancing? This bird less dancing? Well, maybe not. I don't know about the dancing part. We need some music in here, you know, to stick to the end of the video, and we'll see if she doesn't. We'll see if she ends the video like that. Because, I mean, for one, I really don't know what that is.

Two, maybe someone will randomly stumble upon this video in Houston and her. And they're like, oh, we want her. I'm like, yes, that's me. Well, okay, that's cool. So what makes you want to do that? You just really like doing that? No, I've always just been, like, singing. Like, that was my thing.

Like, I was, I had voice lessons when I was a kid. Like, my dad was like, okay, you got to do voice lessons. You go to do piano lessons, guitar lessons. And so I guess it's like just part of me at this point, you know? Like, it's just in me. I'm just a performer, I guess. And if you were able to pick a career path, that's what it would be? That would be, that would be freaking amazing.

Like, honestly, getting paid to do something that you love. Like, I love my job. Like, I really do. But if I want, like, I guess something more, that would be it. Okay. Well, then question about your current job. How long could you see yourself doing this? A few years, I want to say.

Okay, a few years is not a very long timeline. I mean, it's not a bad job at all. Like, I come in there, and then I just make my money. I get to connect with people. I get to take care of people, and I have fun doing it. Because it's just literally just, like, talking to them, making sure they're okay. Maybe you should be a nurse. It's, I try.

That's what I tried going back to school for. Like for my mom, actually, because, you know, Filipino mom's, they're like, you've got to be a nurse or an engineer or something. And then there's me. I'm something. But, yeah, so I tried going back for it. I could not do it. So now we're here. Okay.

Yeah. I mean, it's still kind of the same thing. Well, okay. Well, that made me a little nervous because you said you could see yourself doing it for the next few years. Okay. Few years isn't, that won't even get you to 30. So what does 30 to 60 look like? What is what?

30 to 60 look like. For me? Yeah. You know what's funny? I actually don't see myself like going past 29. What's going to happen to 29? You're just going to die? Yeah.

I'll just fall and die. Just like, this is it right? Not the greatest life plan. I'll be 100% honest. Yeah. I don't know. Well, okay.

So with the burlis dancing and what you're doing now, it's kind of a good combination where you can do what you're doing now to pay the bills, especially since you're making good money. And you can explore this on the side. And then if it takes off,

you can pursue that full time. Exactly. So that's kind of a responsible way to do it. Financially. Yes. You're struggling? How do you feel? I feel good.

Yeah? What's your situation overall? My situation. I feel like I'm just cruising at this point, if that makes sense. Like cruising in a good way. In a good way, okay. Like I'm not like struggling to pay my bills. Like, okay, like I need this much more money to pay my rent, you know, to hit my rent, to pay my car note.

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fruits to go. Celebrate Mom with Whole Foods Market. Or if I wanted to do something. Carnote. Yeah. Do you have a carnet for like one more one? And that was sent. Oh, oopsies.

Only one more month is left on her? Yeah, that's it. Oh, that's awesome. Yeah. What car? It's a Volkswagen jetta. Year? 2013.

Okay. Yeah. How many miles? Do you know? Oh, it's a lot. One, right now, I think it just hit one, 128,000. And what was this monthly car payment you've been paying? A $450.

$450? Wow. That's a lot. Is it really? Kind of. When'd you get it? Well, it was, okay, so that's a whole backstory again. So I got it, I want to say like five years ago, so I was with my ex at the time. And this car is actually a gift to us from his dad.

Is it adding up? No, not really. Okay. I'm like, oh, my God, is that a ladybug? I thought it was a spider, but it is a ladybug. A spider? I thought ladybugs are red He's orange-ish

Alright go ladybug go I don't want to hurt it I mean just go Just leave us alone Wait no I'm no I don't Okay Got rid of the ladybug How

Okay either way We got rid of the ladybug So what was this car situation So it was a gift whatever Why did you get it Why'd you have to borrow money on it What happened Why'd I have to borrow money

Yeah you had debt on it for five years And you were paying almost $500 a month on it And you were paying your last note now Oh that would be a debt huh Yeah. No, no, he paid for the down payments. It was like, huh? That's not much of a gift.

It's a play with words. Well, I mean, I guess it was. It was like my first, like, adult thing. Yeah, but he paid for probably a down payment. Yeah, according to that car payment, probably a me down payment, and then made you lose $500 a month. Luckily, of your $5,000 right now, that's 10%, so it's okay. But were you making $5,000, five years ago when it happened a month?

Not at all. Yeah, so that is not. But that was, like, I was with someone. So we were kind of like, you know, tag teaming, if that makes sense. Well, I mean, that shows that getting into debt with someone you're dating is bad because guess what? You're not dating anymore. Who sounds of it. No.

So, okay. Living my life. That's bad. Yeah. Okay. So, well, I'm glad it's almost done. Good. Did you borrow money for school?

No. I don't have any loans. Parents? Yes. Very good. Yeah. Okay, cool. So you're just.

just cruising right now. That's your financial situation. Cruising. Yes. I love my life. Good. I'm glad. Let's take a look at your money.

How much is in your checking account right now? I don't know. Do I really have to disclose that? I don't know. I have $2. Do you really? I'm just kidding. No.

Oh. Do I have to say that out loud? Yeah. Why? Well, I mean. I don't know why it matters. It's just money. I just don't want to say it out loud.

Well, how much is in your checking account? I don't know. Let's see. Right now, not much, not much. Let's see. I have, like, my cash, like, laying around in my place. Oh, right now, it's 5,000. That's it.

Wow, that's a lot. That is not a lot. For a checking account. We'll get to all that. For a checking account, that's a good amount. How much is in cash just laying around? I have no idea. How much do you think, guess?

Round number guess. Oh, man. 1,000, 2,000, 5. thousand to five hundred, uh, 50,000 a million. Uh huh. Yeah. That'd be nice. Yeah.

I don't know. Because I recently just like put in money, put in my, all my cash tips, you know, like into my account. So I want to say, yeah, let's say probably a thousand or two. Okay. So you have like six to seven thousand dollars then, checking in cash. Yeah. I want to say, eh,ish, maybe. Now on here we're making payments to our Apple credit card.

The Oasis web payments, what's that? That's my apartment complex. Okay. Yes. 941, Capital One mobile payments, so that's another credit card. And you're sending a lot of money out, $450 for cash acting someone. That's the car. So, oh, that's not even in your name?

No, it's not yet. Oh, so that even, all this. It's a lot, huh? No, no, no, that kind of sucks. I wouldn't want you to have card debt. But if you're going to have it and you're almost done with it, it may as well at least have helped your credit but this sucks you're just paying you're literally paying for someone else's credit's got I mean it's not like I needed it

for my credit no I know but still this is like you okay are they going to transfer the title to your name yeah they will actually yes they're very nice people so Apple bill $36 40 cash apping out 785 dollars another discover payment that's a big one then ATM cash deposit so that's a lot of the money because a lot of cash and that is fourth $3,310. I mean, that's fantastic. And cash app being out $350. So that's, you send a lot out for a cash app.

Well, that's, I think that was just it, though, like $450. And all the other stuff is probably just someone asking me to like cash at them in return for cash because they needed it for their card, you know. Okay. That's about it. And then this is one of your credit cards. So we're getting some C tickets, Lander, 161. What?

EDM. I love ADM. Oh, okay. Merca, Amazon, Amazon, IKEA, Lupe Tortilla. Oh, I love Lupe Tortilla. Yes. I was on a date and I paid for it.

So good. Amazing. Why'd you pay for it? Because I felt like it. Oh, well, if you can and you feel like it, you can't. Yeah, I have this weird thing where I don't like people paying for me. And so I was just like.

Hey, you're breaking down social standards. Nothing wrong with that. Chipotle. I love Lupe Tortilla, though. I really want to go back there all the time. You went back to Lupe Tortilla. Oh, man. The flay.

The fajas, the queso, their queso are bomb. It's so good. Uptown convenience. AMC. AMC. AMC. What did it? Oh, I wanted to movies by myself to go watch Black Panther.

And then I fell asleep. Yeah, the movie was pretty mad compared to the first one. But AMC, out of all theaters, you went to like the worst theater. Well, it was like the worst theater. Well, it was like the close. is one. Like, I didn't care much. Raising canes, fill and desk, and mingos. There's a lot of money spent on here, but again, you bring in a lot of money. I guess. Then an eight, oh, yeah, no, never

mine. Then you're getting some cashback. Do you have a balance on here? Do you ever hold balances, or do you pay it off every month? What do you mean? Your credit card. Oh, every month, like, like at the end, well. For both credit cards? I have three. I only have two. Huh. Okay. That's okay. We'll look at the other one in a second on your phone. And then on your Apple one, Spirit, Halloween $103. Expensive Halloween. That was a costume.

Oh, that's, okay. Shocker, that's what you got from. Shocker. Peppacitos, Barnes & Noble, Starbucks, cheesecake, oh, you're spending $30 at your home place. Lupe Tortilla again. Kava. And AutoZone.

discount tire Jerry's Grill Amazon Prime McDonald's Ifley, Pluckers, love Fluckers as well, J.C. Gavleston, J.R.S. Bar and Girl, J.R.S. Bar and Girl, J.R.S. Bar and Girl, karaoke. 600. It's almost

$700 spent there. Probably similar there, if not more. What's the other credit card? Pull it up on your phone. Let's see. Which one that I sent? Okay, I think of the Might have been Discover. Oh, okay. Do you want to hold on to this?

Mm-hmm. Once you have it pulled up, yeah. I guess this is like the recent ones. More Amazon purchases and Airbnb and Airbnb. Amazon, Airbnb, Amazon, Amazon, Spotlight karaoke, Katads, SSA, Houston, Cheesecake Factory. Sometimes I pay for my food, yes. PeeP Fresh likes squeezing you. Who?

What do he say? No. You're getting messages, sorry. I don't know. That's what they said. That's so funny, what? Amazon, Amazon. Yeah, they said they like squeezing you 10 out of 10 would do again, so.

Shout out to PPS. No. Molly's Pub. Oh, my God. Burkari. Opt-on convenience gives utility payments. C-lights. $205.

So you're spending a lot of money. You're like not. You are spending a lot of money, but you may. good income. So it's not necessarily bad. Is that a lot? I didn't, I thought it was good. Well, you're spending like close to $1,000 on three different credit cards each. So that is a lot. And then, of course, we have rent. And so what is your rent? My rent right now, they actually just raised it. So it's not a lot. Man, I forgot. 7.50. Roommates? Nope. How many bedrooms and bathrooms? It's a studio.

Oh, okay. Pull up your credit card? Let's see. Okay. 760. No, this is great. This is great. Went up 50 since the last time you opened it. Let's see what changed.

Oh, it looks like it was relatively that high. Then it went far down. Like it just looked at a bad time of balances, even though you're paying them off. And then, you know. Yeah, I don't even know how that works. I just. Well, for someone who doesn't know how it works,

you have a good credit score. I don't know about a lot of things. I just do things. It really is. Payment history 100%. No derogatory marks. Credit card use. 1% because you pay him off. Credit age,

that's kind of what's holding you back one year, three months, very small. Total accounts, three, it's not very diversified. That's kind of why I wish the car thing was on there. And then two hard inquiries. Wait, I think it'd be at 800 now? Probably high 700s. Then Apple Card Capital One Discover Bank, those are your only open accounts.

Okay. So good. Yay. Good, good, good. Thank you. So, do you have a savings account? I do not. Ah, so all your money is that checking and that cash, $7,000, is-ish.

Mm-hmm. So you're doing okay at 24. You have a lot of spending. Don't have an emergency fund. You don't have any retirement. You're about to have a paid-for car, and you're paying off your card balances all the time, and you have $7,000 saved up. You're doing okay.

Okay. Are you ready to become an adult? What does that mean? As in getting your finances in a decent place where you're great. Okay. Sure. No, I don't think so. You don't want to?

What does that mean? Well, I'll tell you, you ready? This is what it would take, essentially. So, for your living situation, you have a pretty small rent. What I would do is, for the next month, just try cutting back a little bit on here. Well, first step, make a budget. I don't like that. What don't you like about it?

I don't know. I just like... What the fuck? If you're not even going to start by making just the most simple budget, that's the most basic thing anyone can do when it comes to money. I just don't. I feel like making a budget is more... I'm sorry.

I feel like making a budget is like restricting myself. How's that restricting yourself? You're just telling yourself what you're spending. You might even be able to give yourself more fun spending if you do it right. You just know where everything is going and you lay it out at the beginning of the month. You're not restricting yourself. I feel like I am still. Plus, if you're doing...

more than you should be right now, then you kind of have to restrict yourself. Why? Do you ever want to retire? Sure. Not really. No, you want to be forced to work at 80? I'm not going to live that far. You want to be forced to work when you're not able to work?

No. So you need money then on the side, right? Okay. Does that make sense? Okay. Yes. Okay. In order to get, are you okay with, what?

Sorry, just funny. Okay, yes. Are you okay with having. like an extreme emergency pop up and then all of a sudden you don't have enough money and you can't work what would you do in that situation i don't know i'll figure it out or you could be prepared yeah sure you are in such a good spot to like be in a good spot okay i am in a good spot though you're in an okay spot you're not in a good spot okay you don't have an emergency fund you have zero retirement in the best decade of compound growth by the time you retire

So. You're not in a good spot. You're in an okay spot. Okay. I get it's all giggles and like fun and jokey, jokey, but do you not care about your financial future? Is it not something you even care about? Honestly. Do you not want to be wealthy?

No, not really. No? It's not like, it's weird because like that's not really my goal. Like I just want to be happy and content. But like. Okay. What does happy and content look like to you? This.

My life right now. So if, I know you keep saying, I'm going to die really, if you're 80 and you have nothing saved up and you don't have a home because you never saved up enough enough money to get a down payment on a home. And you're getting cheap car to cheap car because you never saved up enough money to get a nice car. Are you okay with having to do exactly what you're doing now when your back limbs and everything else hurts when you're 80? bending over and all that crap. But then I probably won't be. I don't know. Why?

Why do you think so? Why do you think you won't be? I won't be what? You just said I probably won't be. No, because I mean, my living situation is probably going to be different. Like, who knows? I probably have a family by then. Because you're 80.

Like, what are you even doing your 80? Well, you probably have like, grand. You're not preparing for it. Nothing. You're doing this if you don't prepare for it. Does that not make sense? It does. You got to plan for it.

For some things. I know, but it's like, I feel like my mindset, it's like so different. Like, right now. Like, that's what I'm saying. Like, I feel like I don't see a future that's like that far. Okay, that's immature. It is, I guess. But, like, that's it.

Like, that's literally it for me. Like, I don't see myself, like, living past 29, which is like. That doesn't make sense. So what can we do to restructure your mind? mindset to a more mature point where your future actually exists. I don't know. Why would I want to do that? So that you're not having to be forced to do this in your later years.

A manual serving job when you don't have any retirement and your social security won't support you. Your health care costs will be higher than Medicaid will pay for Medicare and all that stuff. So I feel like that's something that future me. would need to worry about. No future, you will be pissed it past you for not thinking about it.

Why don't you care about this? I don't know. I just don't. Do you ever want to buy a house? Not really. Why? I just don't see the point of it. Okay, I'll tell you the point of it. What is the point of it? Because if you buy a house and then after the 30 years of paying on it,

then all of a sudden you have no living expenses except for property taxes, and then when you are in a point where you're just taking money from retirement because you don't have to work to live anymore if you get this in the right place. You don't have a house payment. You don't have anything. You own real estate.

You have equity in it. It's growing. It's giving, you talked already about wanting children at some point. It passes on something too. You don't care about that? Not really. What do you care about? Just living.

What does living look like to you? Living is just experiencing, just like experiencing things. like different things, meeting new people, connecting. But I don't know. That's it. I don't see how being responsible limits that. I don't see how creating a budget limits that. You make good money.

You could do those things just in a proper way and making sure that you're set up in the future. Okay. You don't want to limit yourself in the future, do you? No. But you're kind of forcing yourself to if you don't mature and start planning for the future. I don't know what to tell you.

It just doesn't So let me do some basic math for you Okay Okay So you could be doing what you're doing now Because you don't save a single cent For retirement And you'll be forced to do this by the time you retire

Because Social Security won't do anything So you'll be working some Job that you don't want to work in your later years Because you'd rather travel the world And be able to make those connections And do all the things you just talked about Without having to worry about work Or you can do the mature choice

to setting 20% of your post tax aside right now, and by the time you retire, you could have $4.2 million. That is a lot of money, huh? It's a lot of money because you make good money. Do you don't care about that? Not really. No, because you just want to work and die.

It's not even that. I'm just not working and die. I'm actually, I feel like I am living. Right now, yes, because we're okay living right now. Yeah. You're not able to look beyond even a year of your life, are you? No, not really. I don't know how to frame

Like I showed you what it would look like if you did it well I showed you what it would look like if you don't if you continue this path And yet it's nothing I just I just don't think about that Well What I would do were I in your shoes And I'm going to do this briefly because I know you're not going to do it

No no I'm going to listen yes let's let's hear it I'd budget out 50% of your income will go to needs, 30% to wants, which is a lot of money going to wants, and 20% to saving. Okay. You're $7,000. I'd cut back for a month, just a month. Get that to $10,000, which you can easily do with your rent and everything.

You just keep all your expenses, including some of your fund expenses to $2,000 and less, $3,000 that goes to there. Put in a savings account, that's an emergency fund of $10,000. You only touch it when something bad happens. Like your car breaks, and you have to go buy another car. So you get a $10,000 car in cash, then you save it back up. or if you get injured and you have to, you know, sustain your life while you recover, something like that, or something medical happens. That's why it's called an emergency fund because they're emergencies, they're unpredictable.

Okay. Yeah. Which a lot of people don't take seriously like you because, again, we can't picture emergencies. That's why they're emergencies. You can't picture them. And then from there, I'd continue the budget of 50, 30, 20, 50% of needs, 30% of wants. You can increase your wants to 40% if you decrease your needs. needs to 40%. And you can do that. How do you even decrease your needs? Because your $750 rent is

pretty chill. You're not going to have a car payment. You could minimize your grocery spending. You could minimize things in your needs and amplify the other categories. You can swap it around if you want. But one thing we definitely want to hit is making sure 20% investing. 20% is what got you to that millions and millions of dollars by the time you're retired. So that's essentially just what I would do for the rest of my life. 50, 30, 20. And you could do 40, 40, 20. Or you could do 30, 50, 20.

50% on fun. That would give you a lot of experiences. That would give you $2,500 a month to spend on fun. People dream of that. And then give me your thoughts on this. Give me your thoughts on that. On what? The 50, 30, 20?

On everything I just said. Get an emergency fund. And then budgeting out. And then saving for retirement and allocating your money properly on a monthly basis. Okay, so it's more, like, there's more limits. I don't like limits as a thing. That's such a child.

That's a toddler brain. I don't know what to tell you. That's a toddler brain. You're okay with that. You're okay with having, like, the mental capacity of a five-year-old right now? Just free-balling it, sure. Huh? Yeah.

Just, I don't know how to counteract that. I am not a mental health expert, but that is not... It's not teletrauma. Good. Yes. The fact that you just can't look to your future, I don't know how to combat that, and that's clearly the big issue here. You might not be able to look to the future, caring about my future.

Caring about your future, or being able to take any discipline. Because you can actually live and have more fun than the vast majority of people, but you're not even willing to do that, so I don't know. I don't know. I mean, Chamey has a good amount of my... money set aside, but clearly she's very immature and will not do anything about her finances. And I think she's going to be working until she's 80 because she's not willing to sacrifice now.

But without the debts and still taking care of the credit cards, she still's going to have a good relatively okay hammer financial score of six out of ten. But she's just not at that 10 out of 10 because she refuses to invest or do anything or be mature in any way whatsoever. Make sure to follow all the links in description, including all my socials and make sure you subscribe. Thanks. day like superheroes and sidekicks or auto and home insurance. With USAA, you can bundle your

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