Financial Audit - It’s Insane That She Did This

Episode Date: March 22, 2024

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Hi, my name is Jenny and I'm from Houston, Texas. I am 23 years old and this is financial audit. Welcome to Austin. So what do you do for a living over in Houston? I am a part-time assistant manager. I actually at a retail store. Okay. How much are we making? About 15, 14 an hour? 15. 15 an hour. Yeah, it's 15. Okay. How many hours do you work a week? I work about anywhere between 33 to 40 hours a week. So, I mean, you're kind of approaching the world of full-time mostly. Yes, for the main part, yes. Whenever I went back, because I worked at this job previously for a little bit.

And when I came back, I requested them for a little bit more full-time hours. The reason why I was not given a full-time position was because the full-time position was already taken. Gotcha. And how long have you been in the part-time position, though? On and off or consecutively. Consecutively? Consecutively, I went back probably about three months ago. Are you trying to get to that upper position that you wanted?

Yes. Eventually, just because it gives me more hours that I actually need to provide for my life, along with just being able to have the benefits with it because I am almost 25. I'm thinking about insurance and PTO and all that stuff. Sure. Sure. So we had payroll coming in of $2,212.12. Does that sound about right for a monthly average? Yes.

Okay. Now, I'll be honest. My Monopoly Go addictions killing it. Well. spoiler but $2,251 came in but 3,151 went out

you didn't know that What oh no Okay wait I know what it was because it was I went to I'll tell you what it is I mean I'm going through your spending No it's called my girls weekend in St. Marcus It's called what?

My girls weekend in St. Marcus Okay This was February What are you? What is this? I'm a female Thanks for asking No, so essentially I went to February for, I went to St. Marcus for Girls Weekend and I had to pay all my bills.

No, it's fine, but why are you laughing about it? Because I get nervous. I get nervous. Okay, it's nerve. It's cope. It's nervous. I think people just get nervous under the camera for the first time. And of course, you've watched the show for a while.

So there is that little bit of nerves. That's okay. So, you know, no hard feelings. Yep. When I hear someone laugh about their bullfending, when they're fucking themselves, It hurts me deep inside, but I'm here to get help. I get that it's cope. I get help, though. Okay.

So give me a little, uh, give me a little story on your finances. Well, I was cut off a year ago from my family, um, yeah, I was cut off about a year ago from my, from my, from my, from my normal finances. Normal finances? My parents. My parents supported me for a while, um, actually. We are 23. Yes.

Uh, they, well, they were promising to pay for my college and everything, but then I got married. And when I got married, even though, yes, it was set up in the deal already as a kid. My mom told me that if as long as I didn't get married for the age of 25 and I had a degree that I wouldn't get financially cut off. It's a bit weird, but she did, okay, for whatever reason, for whatever her reason, her opinion is like that, but it is her money. She said she wants to give it. And technically you didn't do what she said to do. So it's looking at it. Looking at it now versus whenever it first happened, most definitely 100% was my fault. But what do you live right now? I live with my parents. So you live with them? Yes.

So they are supporting you. Yes. What were they giving you financially? They're not giving me anything financially. What were they giving you financially? Oh, they were giving me my college tuition, anything for books. Whenever I moved out to go to college, they were giving me my apartment fees and everything. And they're paying for my apartment, grocery money, anything that was going on with my vehicle.

They were giving it to me. And then you got married. Yes. Would you get married? I got married back in August. How's it going? He's not here right now. Well, you got married last year in August.

We got married August 23. Oh, okay. So where? We're in the process of getting a divorce right now. We are both. He's stationed in North Carolina and he filed in North Carolina because through them legally, but he has base legal so he doesn't have paid lawyers. Are you getting a divorce so quick?

Essentially, we got into a really big fight and, And, um... Who get on fights? What was the fight? I had a bad habit of talking to people I probably shouldn't have who I thought were my friends. And they would go to him and tell him what I was saying, but twist my words. Why were you talking behind his back? Um, because he wasn't a cent...

I found out later that he was probably paying for LF models. I'm being honest. What you mean? Um, he was paying for OF. Yeah, I think so. I'm not 100% certain. I don't have proof of it. I'm suspecting.

That doesn't, shouldn't you have proof of literally anything before... Yes. You assume that someone did it? He has, whenever his Instagram, one day I was going through his following on Instagram because this girl had started stuff with us and I decided I'm going to go through your following just to figure out. And at this point, he's in Mississippi on a training exercise for the military. And whenever I go through it, I find a bunch of OF models.

And then I'm connecting dots and the dots that I connect essentially are the reason, the reason why we don't have any money two weeks after, because he financially took care of, he was taking care of me. So the reason why we didn't have money for groceries, gas. Sounded like your parents were to, oh, but you got married then. Yep, I was already married. Then why didn't you start taking care of yourself? Um, I was working a job that was only paying me 13 an hour working probably 14 hours. So someone who marries you, they're not allowed to watch corn? They are allowed to watch corn. I don't care. My thing is is that whenever you go ahead and blatantly lie to me about it. So he was saying he did it?

but you have no proof that he did. Yes, correct. I have no proof that he did. And I also found this. I feel like proof is always needed before you. Yes, it is. Yeah. Trust me, this story gets way worse.

So anyway, we get into this fight. We'll go into the story. I do want to get into your finances. So we just have a little more baseline. Of course, yeah. So, but definitely feel free to save that because I have a little bit of tea in there. Oh, trust me. My tea is piping hot.

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How does that change so that they should be giving you money and you're not them? Oh, because this is the North Carolina. It's okay. Well, no, it's because I left that job. no longer work for the company of Ulta because I had to have I literally had a shift that's whenever my divorce happened well whenever I left North Carolina and when I left North Carolina it was literally I need to pack my stuff up and leave what is that I couldn't I'm just asking why you were giving them money instead of them giving you money why are you

opening a credit card and going into debt to your job because I wanted makeup I yes I have a if I Whenever I moved to North Carolina, I was alone a lot. And so I used makeup as an artistic coping mechanism. I was going to say, you're alone a lot. It's not like anyone was seeing you in makeup. Yeah. I just enjoyed it. I really did.

Enjoying, playing with the colors, trying new products. That's fun. I get it. If we can't afford to pay for it, we don't get it. Yeah, no. Fun's great. I haven't bought, I haven't, I'm really bad myself because I haven't done, the last thing I did at Ulta was my hair.

Okay, but your available credit on the card is $80. Yeah, I spent a lot. a lot of money on that card because I was only paying the minimum payment because that's all I could afford well not only that but right here I have a late payment yeah you have a late payment yeah you have a late payment why I completely it's based on me what day it was and I completely forgot about it and then I got an email and I was like I didn't you want to auto pay I'll tell you why because you never have enough money in your checking account and that's why we see overdraft well no so what happened was um I've actually been told I've been advised by people not to have in auto pay just because if I don't

this is you that I I stepdad whenever I open open my first credit card. I was like, I'm going to set up auto pay. And he was like, don't do that because if you don't have the money. Well, you should always have the money in the first place. Yeah. It's basic level foundation. If your stepdad's immediately going like, oh, if you don't have the money, then you're starting from a bad place. Yeah. If you don't have the money, then you shouldn't be getting a credit card in the first place. So your stepdad sounds like a financial idiot. He's not. Not now. Not now. I'll say that, not now. Was that? Yes, he was. was I, because I opened my first credit card when I was 19, 20.

Yeah, I opened my first credit card when I was 19 or 20. And that's when I wrote my Discover card. And we talked about it. And I was like, you know, I can just do this, this and this. And he was like, well, also if you already have, because you essentially what we didn't want me to do is set up two payments by accident because I am notorious for doing that. That wouldn't be the worst thing in the world.

He'd be making progress. Yes. And no, because at the time I was living on, I was, I was, I'm so, I was financially independent from my parents at the time, too, where I was buying my own gas. I was buying, you know, my own clothes, all that type of stuff. They were just paying for more of the necessities. That makes sense. So they didn't want me to set up my budget to not have enough money for essentially everything else.

Oh, you're fine. You're fine. But it takes like an year to get to. You have to like swipe it and then swipe it and then you have to press it just right of time. What do you mean you haven't spent money on this was a This was like just a couple weeks ago Alta and before there Oh where'd we go?

Alta oh where'd we go before that Alta Where'd we go before that? Alta where'd we go before that Alta? Where'd we go before that Alta? I opened it in October and then I haven't spent any money there since January The end basically the beginning of February yes And that was because I wanted to rebel a little bit And get my hair done.

I probably shouldn't have done that Rebell? What do you mean rebelled? You're rebelling against your future. What's talking about Rebell? Well, we rebel. My ex-husband- I'm just being silly. I'm not.

My ex-husband loved blonde hair and love me with blonde hair. And before it started fading like this, it was a bright red. And I only did a halo. So I kind of justified it with that. It was only a partial highlight. You justified it?

I justified the purchase. Because it wasn't what he wanted? Yes. And I didn't look like the woman that you know. Have you guys had like a, has this been toxic? Yes. My gosh, you guys have been married for like nine months. months.

Okay. Well, first of all, I am sorry, you're going through that. It's brutal. So we're going through a brutal situation. I want you to leave in the comment below something positive that has happened to you financially this year so far. Give her some love as well because she's actually brave enough to come on here. So thank you for that.

Even with all your cope laugh and... I need help. You do need help. And I'm... And the thing is why I'm here is because financially I know I want to be on my own at least within a year or maybe a year and a half. I'm giving myself a maximum of two years and I want to be here because I want to get help.

Well, we'll see. If two years seems reasonable, we'll, well, I'm, it's not set in stone. It's just, I have,

it's an idea. I got you. Okay, the minimum monthly payment on this thing is what? 37? Yes. And I just paid it two days ago, three days ago.

The minimum. Yeah. Good. I know, I paid it with $50. So slightly above the, yes, slightly above the minimum. And I had that one set up on a,

discovery, $1,019 $15, I paid that down by $200 actually recently. Okay. Like within the past two days, I did. Okay. Did you tell our producers?

Yes, it did. I texted them about it. Okay. After, when I hit the road out, because I realized, because they, I got the, I got the text message saying, thank you for the payment. So, 800 bucks. Mm-hmm. Okay, with the minimum monthly payment of $42.

Yep. What did you get that extra 200 from? Um, work. I had extra, I had, um, worked at other stores around Houston. And so I ended up getting reimbursed for my miles. And I went into overtime. so I got it. But you're also making purchases on here still.

If we're having interest accruing $21.89. What are... It's prime? It's prime videos in McDonald's and KFC. At least get food. Like, what are you doing, KFC? So why... Don't get me wrong.

You put more money towards it than you purchase. Yes. But you're having interest accrue. And if we're having interest on a crew on a card, we cannot fully pay off. Why are we going and getting chicken? Why? Why are we spending more money on it? I'm f***ed. It wasn't even knees. It was bull's...

Are you done? Can I go? I need to take my anxiety mends and I need to have something in my stomach because of that. So I don't... I'll eat at home, but I've changed it. You need to eat at home? What? That's the answer. The answer wasn't anxiety meds. The answer was, I don't eat at home. There you go. It wasn't because I have to take anxiety meds. I am on a anti-depressin as well from my panic disorder and I think probably supposed to dig it with food I don't know

but I eat food at home I've started doing that now like in the past two weeks I have okay I know it's not a lot but well no it's making it's making a progress I started I started making a progress and I started trying to change my financial situation because of how it's looking

and how it's going because I know that if I want to do anything like that if I want to be on my own financially independent and everything I cannot keep spending the way I'm spending How long have you guys been When was the last time you got financial support from someone else? Um

When I had to hire my lawyer? When was that? February. So you're only on your own starting now? No, I was on my own for about a year before. No? You said you were married last year. Yeah, so my parents, they still, we agreed that we...

When you guys got married, how long were you like actually together before I started deteriorate? Um, we were actually, like, spent time together? I also have to ask. I have to ask. Sorry, I know we're getting back into the teases a little bit, but it's like, does it make sense to destroy a relationship in that situation based on a thought of them doing it versus proof? I'm going to say this is going to be cut real quick. Yes, this is going to not be on the show.

Well, say what you can say. Say what you can say. I was put into a really dangerous situation that I did not feel comfortable and safe in anymore. this you guys rushed into the you oh yeah we rushed into it 100% know yourself how long did you you guys know each other before we knew each other for three years well i'm sorry that you weren't that you were in a position where you didn't feel safe um obviously yeah that's terrible but you're what you your excuses about the spending and making progress i don't fully believe because this is on the credit card sure and it was just a few but you forget that i have access to

your checking account And your checking account was... Completely different, yeah. It was... Mm-hmm. So, I mean, just like, we want to get through this. You come here to get help, but don't like... Blonde out of the gate.

Yeah, of course. And now we have a card. What's the interest rate on this thing? 11.97.96. That's some death. It's not the most insane by any means, but that's some... It's a killer. That is not good.

I know. What is this? What is it? 2021 Toyota Camry. Okay. With this total amount, $646? Wait a minute. That terrifies the crap out of me.

Honestly, didn't. That's 30% of your income. That wasn't based off of my income. It was based on my ex-husband's income. I got the car a year ago. Yeah. Okay. All right.

Okay. And at the time, whenever this was happening, he was deployed. So he was also getting more money because of that, too. Jeez. Are you guys even ever together? This marriage is so weird. You're just talking behind each other's backs all the time. It's just, what even?

I'm so confused. I'm not here. I don't want to judge your relationship, but also I'm judging your relationship. It was a bad, it was a really bad situation. Oh, the balance. Oh, this is so expensive for your position.

Yeah. And I know. Hey, Oh my gosh. It was, uh, based on his income, What? Okay.

Wait, but you're in the process of a divorce. Yes, we're in the process. Has this car come up in conversation around that? Essentially, since the car is in my name, I get the car. So the car, all the car is, and I make the payments, everything else. That's completely in your name, but it was based off of his income. Great. Awesome.

Because that was the only way I was going to get approved for a loan because I was the But you shouldn't. You shouldn't have. It's only getting every customer's order right. It's only a point-of-sale system connected by Spectrum fiber-powered business internet, helping you track hundreds of secure transactions. And it's all backed by 24-7 U.S.-based customer support and local technicians. It's only everything.

Get business internet advantage free, forever, when you get four mobile lines from Spectrum. Visit Spectrum.com slash free-for-life to find out how. Restrictions apply. Service is not available in all areas. This was bad. I know. What was his income? At the time...

Still over-approved for a car, trust me. I believe he was making approximately about 32 a month. Oh, a month, okay. Well, even still, 32 a month. Yeah, it's under $40,000 a year, and they gave you a... Oh, wait, is that, isn't it? I do not remember his income, if I'm makeably honest. If it's even around there, that this is an insane.

This is insane. this is insane 600 $646,000 how have you been paying this? Well this explains why you're overdrafting an checking account again spoiler and this is why you're missing your credit card payments right? Because this sucks up 30% of your income.

Okay. Sorry, I just feel bad for you. This sucks. This is such a suck. I'm actually currently in the process of refinancing the vehicle but I still owe 63 months on it because we signed it for the longest that the Toyota, that Toyota would give it to us.

And it's still that much. And we ended up my bank, because I essentially was told by my, by, I was advised by someone that I should not go through my bank, which is a credit union, because it would be easier for my ex-husband to send me money. What?

Yeah. And so I am now in the process of, why does he have to send the money through the account you're using to refinance a car? Well, no, that was whenever I bought the car. When I bought the car, I was in the process of getting my car. Because what happened was I had a 2012 Honda Civic. And my transmission on that car was going out.

And at the time, I was about to move to North Carolina. So I was advised to get a new car because my car would not have made it to North Carolina. Sure. Makes sense. I don't know why that equals a $35,000 car. We can't afford. But go ahead. Trust me, we're getting there.

So whenever I went in to go get my car, whenever I went in to go purchase a car, I wanted to buy from the used lot, and I wanted to spend no more than 25. And I, my, and then I was, whenever I went to go pull my loan, I was advised that I needed to do it a smarter way, because if I didn't do a smarter way, my ex-husband would have had a hard of time to send me the money to pay the car payments. And so now I'm in the process of getting it back into my bank. And I'm in the process of getting my car finance through my bank,

which is a credit union that's Houston-based that already offered me a 7% interest rate when I try to refinance it back to the time. It sounds like 7's great. Sure, it is a lot better than a lot. It is better. But is it going to be at that same term? No. What? What are you doing then? I currently have to wait till about six more months till it's lower. And also so. So there's a difference between the 63 month and the 60 month that my credit union can give me. Oh, so they're offering a 60 month? Okay. But they. So that's that. So that's a. That's the lower... What, no. That's the lower one of 60 months.

Guys, it's great. What they recommended, though, is that I wait six more months until A, my credit scores a little bit better or B, I have more money to put down. Chat, is this car situation completely... Yes. I... So the minimum of payment's not going to... It's going to hardly change.

Yeah. Because we're slightly bringing on the term. The balance isn't going to change, and the interest rate is going to drop down a bit, but it's still a bad rate. Yeah. I believe it... Or any kind of... They said,

especially a depreciating asset. Whenever they did the calculator on it, I believe it was approximately about 50, not 59, 596. It's crazy as Houston, you could work full-time in retail if you wanted to right now. You're living at home, so you don't have rent. We're still missing payments and overdrafting. This car's ridiculous. This might be a, we haven't done a sell-the-car type situation in a while.

We might be there. We need to get the full picture together in the end, but we might be there. We ended this checking account with $6.56. How does anyone go survive on that? Also, what's the point of, what's the point of almost any of the spending in here? What's the point of almost any of the spending in here?

You come here to learn, you're about to get learned real quick right now about your spending. $6.56 in a checking account. Okay. Apple bill. Now, these Apple bills, we find out. What are they?

Monopoly go. Monopoly go. What do you even spend in Monopoly go? Why can't you just play Monopoly? Why is it costing like, let me buy, buy, buy, buy, buy, buy, buy, buy. Because I get to like one thing and I need just one more thing and it expires. No, no, tell me. What are you buying?

Dice. Why is it not just monopoly? So it's not just regular monopoly. No, it's not. So this is like a special thing? You don't have it? No, this sounds terrible. Look what you're spending on it.

Why would I have that? Okay. So it has dice. And then you take your dice and you roll and you go around a monopoly board. And as you're like, you collect money and everything, you built up a land. And then. Yeah. And you get more dice.

And then when you're getting more dice, you get like prizes like shields, people. Yeah. This is what is this? This is not monopoly. That is monopolis. It's like because people come. Because whenever you log out of your game and everything, people can come in onto your board and knock down your territories. What the f is this like civilization? Like monopoly version?

Yes, basically. Yes, okay. Great. Well, loot crates and everything. Oh, I think that one was actually for a movie. I bought it. Monopoly made by EA. My gosh. Okay, so maybe a movie. Whiskey River. Some rodeo retail. Some monopoly. Karen's creations. Sounds like the creations I'd want from someone like that. Whiskey River. Whiskey River. Whiskey River. Whiskey River. Whiskey River. Whiskey River, whiskey river, whiskey river.

But we went there like every five seconds of our life. We went to Michael's, great, we're doing some arts. We're doing some arts and crafts, but guess what? We don't have enough money in our checking account, so great. Great time to do arts and crafts. Oh, and we're playing Monopoly Go. Then we're playing Monopoly Go. Then we're playing Monopoly, Monopoly.

Monopoly. Chick-fil-A. We grabbed our chick-fil-a and our caffeine from Starbucks so that we could go play some Monopoly Go, and then Amazon Prime Chick-fil-Li. House so... Is there anything on here that's a necessity?

This is... Every line, every line's highlighted. Every line's highlighted. Every line's highlighted. Monopoly? Oh, we're back. Monopoly.

So we listen to some audio books that we can't afford while we gamble on Monopoly that we can't afford. Chipotle, best donuts. Well, I'm glad they're the best ones. Monopoly.

Monopoly. NGR Stadium. What, did you go watch Monopoly Live or something? No, Rudy. Vapor? I know that's hard to quit, but f-f-ed for your existence and for your money. Dutch bros.

Was that for my vape, or was it for my... I don't know. It says imperial vapor. It was most likely for, at the time, it was for drinks. Because they sell drinks over there, too. So I walk across the street from work and I go get... Okay. Dutch bros, pop-by's, Murphy Buckle.

Nailed by Ruby. Mm-hmm. That's my... That's my nail tech. Oh, that makes more sense. Then moving out money, door dash. Buddy, if we can't pay our fucking minimum monthly payments, we're not door dashing.

If we can't afford to live on our own and we have to rely on our parents, we're not door dashing. I have no problem with parents taking care of their kids. I have no problem with someone moving in back home after a bad experience, a divorce, everything like that. But that's when we get our stuff together. We don't just, you're spiraling. McDonald's, sushi

Well that actually Are you a nurse? No you're not I already know what you do So what is this? Oh you're getting like scrubs? No, that's actually my job Is my job

And I paid that And I needed to buy compression socks Because I need to get some boots Some socks for my boots Yeah so that was actually So we finally have one line item Out of this entire thing that is in bull Amazon

Pop Belly Prime Video Amazon Oh we went back to House of Sports. Oh, here we go. It was a little waited for us the entire time. $150 over draft fee. Yeah. I know.

Why would you let it get to this? Your spending's ridiculous beyond belief. Some of the most insane spending I've ever seen in my life. I was in a really bad spot. So this is the cope. This is the cope. I cope with trying to... I'm going to cry.

Sorry. It's a natural, natural feeling. You're going through something rough. And your outlet was trying to feel good via those dopamine hits through the different blue crates. So what it was is essentially that the reason why I was eating a lot and everything else was because I didn't know how to cope with it. Even though, I guess I have a therapist and I see her. Good.

And my stepdad's insurance actually pays for it. So it's not coming out of my account or my mom's account. but um I I I wanted to not be home a lot because I just didn't want to I didn't want to have to sit down

and have to deal with it because so when you're going and buying this fast food you're sitting there? I'm sitting in my car yeah okay what about the monopoly there's other stitches there if you'd like we can take a break as well if you need yeah can we take one yes of course

of course okay I'm really sorry that you been through what you've been through. I'm really sorry that at such a young age, you know, you thought maybe you found the one, then we were in a relationship that sounds like, and there were some things that were cut,

and that's okay, but that was quite toxic and harmful, and we fell out of our marriage almost immediately, and then we're left with this massive financial burden that it was a stupid mistake to take through the marriage, even with his income. But either way,

now it's all laid on us, and the coping. Where are you doing the Monopoly Go stuff at? Um, on my phone. Yeah. Well, yeah, but like, is that when you're home? Yeah. Like, whenever,

yeah. Whenever I'm home when I'm watching TV. Okay. So, yep, there's your rejected item fee, rejected item fee, rejected item fee. Overdrafting $35, $35. I mean, dude, you were, you were trying to pay for something there. Chimmy's Monopoly Go when we were. Well, also.

Monopoly go when we had negative $21. Some, that was. So that Apple bill one is actually my peacock streaming service. There's nothing even on there, dude. I know. The 1080 ones were my peacocks. Out of all the ones the overdraft with, something that doesn't have anything to watch.

I mean, but peacock gives me my law and order. Several law and order. And Brooklyn 9-9. Everyone needs a comfort show. Yep, that's one of mine, along with criminal minds. And then IHOP, that's what took us under. The IHOP took us under. Dutch pros

The Vault This is just continues Our spending Even with the I get I at least we understand Now why There's a why behind

It's the cope Mystic Marks Crocs Wingstop Dutch Bros Chili's Chilies Kalashis

Sephora I also know What my habit is too Is at the moment My bank account Get money I run with it Okay

I don't stop Then I have to ask Then you said I know my habit is if you know that's your habit what have we done to try to counteract that and try to better ourselves in most recent weeks

like not even just like recent week it's probably like two weeks they started doing this because whenever I hit $150 negative in my account I knew I need to get help and I knew I need to start helping That's when you reached out? Yes Okay but that was halfway through the month

or through the statement and your statement leads up to almost just a few days ago which by the way again calling out I know I know You're you kind of You bullshit at the beginning What do you mean?

You said these last few weeks I've stopped And I'm just eating at home Well Statements do not reflect that What date is on the statements This gets all the way up to like Almost a week ago

We're pretty close to it What was they doing a week ago A lot of it was the monopoly stuff Which that's sure That's not going out to eat But Yeah Most

The f*** isn't just going out to eat It's my monopoly go too I know Well it could be a lot of things It can be a lot of things It's not only putting calories in your body. So there's more Monopoly, Chick-fil-A, Colosci factory, McDonald's, Door-Dashing. F with B.

I don't think FWB is what that typically means. I know, me neither. I'm like, what the f-what is that? D.C. FWB. I don't know what that was. Imperial Vap. Dutch Bros. Do you vape? Yes, I do.

Oh, okay. Well, I was hoping that you didn't because of the... You said it was just for drink. Yeah, some like the smaller purchases, I know are for drinks and everything, but I don't, I'm trying to quit right now. That's an incredibly hard habit, and you have my sympathy. Mm-hmm. For the longevity of your life, man. Yeah.

That's also another coping mechanism I have. That's better than scratching my skin off. I'm going to take a quick drink of water real quick, by the way. Please. Hydrate. We love hydration. Imperial Vaporin Company, this is in it. This is their campus checking.

There's Mormon. Monopoly and Pokey and TP Black Rock. Apple. Yeah, Monopoly, Monopoly, Chipotle. Monopoly, Monopoly, Monopoly, Monopoly. That guy. That was out of anger. That was out of anger.

I know exactly what you thought. Because I remember how afterwards. That's the... Did someone come down and like tear a house down? No. What happened was so my ex-husband, I get paid alimony for my ex-husband. And he had sent me money and I forgot what he did that. day, but he made me pissed off. And so I was like,

it's not my money, it's his money, I'm going to spend it. And you spent it? On Monopoly. Okay. That man in his funny little hat is controlling your life. Yes. It's like Uncle Sam. 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 taken 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 in three hundred five dollars is the current balance and the savings well we took out like all our money and then we put some in so that was from today that was a screenshot from today because I got paid a couple days ago and you put some at yes a good starting spot. I can appreciate that. So $2,251, it's going to be hard to live off of in general if we ever try to move out. And you certainly need to, at some point, when you feel ready, get life on the move, but we're making under $30,000 a year. Yep. So my previous job, I was, my stepster was getting married in May. And then my parents and I decided, my parents and I went to Scotland that year in 2022 because my mom was running a half marathon in Scotland and they were paying

for everything. So the only I was going to pay for was going to be essentially like the stuff I wanted but like my housing and my flight was well booked for and everything. So I didn't have to pay a thing for it. So we were going to Scotland for two weeks and then my stepsister was getting married a week after that. So I went into work one day and I just I sat my boss down. I was like, hey, this is what's going on my month of May. I know it's super busy. And essentially, I was like, I can work, you know, book me for double days, but my sister is getting married.

I kind of need to be there. She's my family. Sure. And my boss essentially asked me if I could push back her wedding. It's a bit weird. We're only hearing your side of the story. Yeah. Okay.

Yeah. So I then was like, I can't do that because, and also at the time, too, I was really stressed out because of school and everything. So I quit my job. And I was unemployed for probably about three months. And then I picked up, when was this? 2022. Oh, okay. And then I went to work at a customer service rep position. And then I had to leave it because of college in January. And then I went back to retail. Okay. Or were you making? I mean, you're in college at the same time, when I went back to retail or whenever I was at the customer service reposition.

Did you try to get someone to cover your shift? The schedule wasn't even made yet. I sat her down six months in advance to talk about it. Oh, this was six months in advance? I think you said like this far, okay. Oh, no. Like if we're looking at it and walked away? No, I put in my two weeks and then I walked away.

Yeah. So, yes, technically, yes. Is right now the most you've ever made? No. What was the most you've ever made? about 2,400 a month, so a little bit under. Okay. At the time, at the time, too, I had never really had been in this financial situation.

Whenever I was making 24 a month, it was, my car was paid off, everything. What you did then is what you did then. All that matters is you've grown. We've all made mistakes in the past. I'm not defining you based on what you did two years ago. I mean, you're 23 right now. I mean, it doesn't... It's okay.

We don't need to go back in your history because what defines you is what you do right now. And I'm not going back and digging through your past. I'm not a weirdo. I've had that happen to me a couple of times and then they come up to me and they ask me certain questions. I'm just like, why did you go through that? Really? Like, what? This one guy asked me one time, oh, well, like, did you go to this high school?

because there's a picture of me at one of their homecoming games. And I was like, no, I went to this one. They're like, oh, that makes more sense on why you have this photo on your Twitter. And I was like, you stalked all my social medias. I judge you for what you're doing now. Of course. What you're doing now, not what you did then. You know, people expect perfection your entire life.

What you're doing now matters. What you're doing going forward is what matters. And that's what defines your life. What scares me is your income situation. I just feel like we're going to need to I mean, just like with most guests on the show, I'm happy to, I don't know if it's what you want to work in, but I'm happy to offer you a certification

through course careers, which is, you know, can help land positions in tech career. Typically, it's better for like a resume booths, but. I'm actually in the process. I'm actually currently in the process of possibly getting another job soon. What? A customer service reposition. I'll be going back to the same company.

I'd be actually bringing in a lot more. Yeah, what? I have to do the math real quick. About 36 a month. Okay. Yeah. No, that's progress. Yeah.

There's absolutely progress. They were currently in the middle of doing some stuff with their company, so I was not able to hear back from them. I'm actually supposed to call the person who's going to be my boss and talk to him about it and see if I got him for a second interview. $3,000 a year. Definitely not terrible for $12,000. Did you complete college? Not yet.

No, I have an associate, so. Well, so how far are you away from a bachelor if you go back? I'm currently back, actually. I believe I'm only about a year and a half out for me and my bachelor's. I mean, if we go and we try to get a degree or a certification or anything, it's like we commit to that, but we have to get our finances in order as well. In terms of the conversation, you were like, you know, he, he, he, he, my friends, we went down to San Antonio and we got you know

fucked up like that that's stupid that was very stupid of me we can't like deflect and put blame on other people for our own choices yeah going forward like that's not going to be something that

I'm going to like just sit here and be okay with that should not that should not be something that you're okay with I'm not I try not to be at least like we need to know when to stand out for themselves and say, I can't afford this, you know? The future of my life matters. Yeah, I know I have, I'm trying to do good.

I know I have a really bad problem of not saying no. And I, like a couple of days ago, I just started doing it because I was scared of what everyone was going to think of me. I had a really bad case of Omo. And I just, I didn't want to miss out on anything that anybody was. Looking to see what's happening around your home? Rings battery doorbell helps you track packages and see who's at your door in real time. The outdoor cam plus protects your yard at night with a wide field of view and clear a retinal 2K video

Or upgrade to 4K cameras and doorbells with retinal vision for ultra clear zoom in detail Your door, your yard, your home. With Ring, it's protected. Shop cameras, doorbells, and more at ring.com now. Doing. That's okay. And then, but then it would, like I said, that whole $150 being, being under $150 in my account, I have never felt so helpless in my life. Yeah.

And I felt like crap reaching out for money and reaching out for help because I needed it. Let that be the bottom. Everyone who's going not only through bad things, but are doing bad things, making mistakes, which I know you've been through a lot and been through bad things, but you're also making a shone of mistakes with your own spending. Everyone needs to find their rock bottom to crawl their way up. I've found my rock bottom years and years ago and I've crawled my way back up. It is an okay place to be.

I want that to have been it. I don't want to see your rock bottom be two years from now. God, no. Let this be it. Let this be your wake-up call, man. It is. That's why I'm here is because I need help. I feel like I'm on like intervention or something right now.

Just like. That's essentially what the show is. It's a financial intervention. It's the kitchen nightmares. I'm calling out all the bullshit to try to get the gears and work. It's not an investing show. Some people want it to be of that. I don't know why.

I mean, you would probably give like a really good talk about like how to invest money. Well, there's certifications necessary for that. There's not certification necessary for this. So if you do go back to college, though, I hope you land this job. Well, first of all, this job, okay, sorry, a few things I want to ask. This job, how likely are you to land it? You said you're in the process of it. I feel confident about it.

Okay, so it's not, you haven't been offered. Yeah, I haven't been offered yet officially. So we're not going to rely on it. But the good thing is whenever the corporate office interviewed me, they saw already that I had worked there and I feel really confident about it. I'm not 100% certain just right now. Because this was about a month ago. No, three weeks ago, they interviewed me.

Okay. So if you do go back to college, how do you plan to play for it? Currently, I have, I applied for FAFA and I pay with it with the Pell Grant because I'm an online school. I'm an LSU online. So as long as I take... What's the price of LSU online? $400 per course. credit hour. Okay. And my Pell Grant covers majority of it. Okay. Like I don't, like, if I was only taking,

the only reason why I've taken two classes this semester is because I didn't go in for spring one, which would put me at my, my limit I need to be at to keep my Pell. I have to take two classes this semester just because if I don't, I'm then in jeopardy of losing my Pell Grant, which means I'd have to wait a whole other year to get it back again. Are you going to have to take out any death? Yes, for this, for this, for this, for this semester. Why only this semester? Why only this semester? Um, because that, because I have to keep my Pell. If I can keep my Pell, um, I, if I lose my Pell, I have to wait a whole other year. But if I can keep my Pell, I can go back.

Why do you have to borrow though? Um, because it's going to cost probably about with, with, with, this is online though when you're living at home. Yeah. Why not cut back all your, you spending and try to cash flow? I've been trying. Yeah, that hasn't been trying. Yeah.

Come on. Don't f*** with me. It's not a joke. Don't fuck with me. If we're having the conversation, you're here. Get a wake-up call. You already said you are. I'm great. Awesome. That's awesome. Don't with me. Don't try to, don't, don't, don't, don't with me. Just acknowledge your shit and that's okay. You can walk away and do better from here, but don't be like, oh, I'm doing great.

I'm not doing great. Um, no, so I am going to take out a loan just because of me needing to keep my fell. Cash. You have, you don't make a sh**, but your expenses are basically nothing except for the car. Yeah. Fine. Let's see your budget. And we'll see where you spent stuff. Here's where your spending was, by the way.

Reminder, you spend $1,000 more than you brought home. But of that spending, debt payments was $20.5% or $6.36.3.3. Your phone total was 2.7% or $86.5. What's your phone plan? Team Mobile, $50, but I'm also paying off a brand new phone. When you're done paying that off, do helium. It's $20 a month. It uses the same towers.

Transportation, $1.3 or $40.14. It's probably gas. Do you have car insurance? Yes. Yes, I do. I do. I do. Where's the payment?

My parents paid for it. Okay. That's okay. Because I accidentally linked up their bank account. Well, you say they don't help you, but come on. They're putting a roof over your head. They're paying for car insurance. They are helping me, but I'm paying them back currently for the car insurance.

Oh, so you're in debt to them? Yes. How much? Um, as of right now, a thousand. Because that's how much my car insurance was. Yeah, but that's going to come back. Car insurance isn't a one-time payment. I know.

I'm currently in the process of getting a new car insurance. Oh. Food. There it is. 16.3% are spending a $513. $28. That can go towards college. Unknown shopping.

7.1% are $223.81. Mostly Amazon through that. Oh, here we go. There's a lot monopoly. Lute crates 29.1. percent of your spending or $917.43. That's, that's 9% higher, 9% higher than you put towards your debts. Improving your life, getting out of debt, making sure you're able to move on, making sure

you could cash flow school, making sure that you are able to retire and not die on the Walmart floor. Instead, monopoly. Other large purchases, 21.4% or $675. The percentage is working me up. It just kills me. You're throwing away your future. It just kills me.

But I get why. Your logic wasn't incorrect. It's still bad decisions, but it still kills me. Yeah, your gas was 40. 14. Grocery shopping, $25. $25. That's all that went to H.E.B.

$25. And then we just ate out. Oh, that was because I needed. just to get my medicines. I don't pay for my groceries, my parents do. Yeah. Unknown shopping. $57.7.

For Amazon and Walmart, $161.361. 33 cents. And we know none of those are groceries. Because you just said, you don't pay for groceries, so we may as well throw them in the problem. Meaning, bullshit. Well, let me look at the large payments. Scrubs is beyond those for work.

With ATM, which is $120. We don't know where that went. Oh, that went to my nail lady because she doesn't pay, you pay her cash, not my card. Oh, oh Your miscellaneous BS wasn't even It wasn't even the monopoly It was fucking

Amazon Prime, rodeo, vapes, buckles, carols, tattoos, Crocs, Sephora, House of Sports And then in the other large purchases You had $47771, 77 cents on monopoly. That means out of this pie chart, out of this pie chart,

70% at a minimum of your spending, 70% went to pull like a legitimate that doesn't matter. It was a cope. Yes, I get it, but I need to call it out because that is a disgusting percentage that is going to hold your life back. that is going to prevent you from living the life that you can live if you actually choose to get your shit together. What do you think I'm here?

It's to get my shit. I know, but I got to yell about your actions right in front of me because this is just ridiculous 70%. It's making me have to cough. I'm choking on your 70%. That's what she said. Sorry. $40 for gas. So this $1,000.

Are you doing a minimum monthly payment to your parents? How is this working? We haven't drawn up any official, like, because my parents are going to say, give me a contract, and we haven't done that yet. Because I, yeah. 2,251, 82 for our income. Debt minimum monthly payments, we don't know because we don't have whatever that's going to be. And you've got to prepare for your new car insurance. It's going to take a big chunk of this.

You ever got a ticket? No. Good. Car crash? No, that one fell. off. Good. So debt,

a month payment, shocker, pretty much completely the car, but a little bit more from the two credit cards, $7.25.

$37. Don't pay anything for rent. Do you pay anything for utilities or internet, or is it all covered? That's incredible.

Good. Phone total. What was it? It was like, that's only for one month because there was a credit in my account. What's it normally?

One thing. 30. Because, okay, so what happened was my ex-husband was paying for my phone bill. And then right before he left, right before, like, two months ago, he told me that Have a Kit Kat. Essentially, he was going to switch over, he was going to give me my own line. Well, whenever I went to go pay for my phone line for the month, he didn't switch over the equipment, which was the actual phone itself.

because literally the two, three nights right before the big fight that caused me to leave, he told me to go get a new phone. So I had this brand new spanking new phone. And so I'm paying for my phone line and paying off my phone right now. Totally perfect. Everything you need to survive, it's less than you need. It's less than usual because you have a lot of shit covered to the family. $75 a month.

Groceries, groceries. If you chose to only eat at home in Pakistan, how much doesn't take them with you. Will your parents pay for it or are you going to pay for some? I'll pay for some. Do you need to pay for some or will your parents pay for it? My parents will pay for it, but sorry. Oh, it's okay.

I will pay for it, but most likely I will pay for some. You're in a $150. It's a guess. It's a guess. What was your phone again? One more time? 130. Because I just paid that two days ago.

Ongoing prescription. What was it, $25? Mm-hmm. Jim, anything like that? No. Cancelling all subscriptions. What was Peacock? How much is that?

Okay, Peacock, that's it. You get to pick one $10 subscription. It's all you get. So it should be, your needs are so minimal except for your debt. So this should be simple. We should be able to get through this budget, unlike a lot of people. How many calculators do you go through a week? Because it seems like you push them very angrily.

Numbers are stressful, but I've never broken more somehow. $1,155.37 is what you need to survive. Congratulations, you make double that. There should be no issues here. Should be no issues here. Does this mean you could go out and rent? Probably not. On this income, that's going to be hard.

On this income with that debt, if you did not have the car debt, yes, we can afford a rent, a cheap place to rent. First, what do we have remaining? 1,096.45. Okay, that's your grand leftover. Y'all, this is the time to switch to my favorite high-yield savings account. With SOFi, you can get 4.6% on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least.

You can also get FDIC insurance on that money up to $2 million with them. Plus, they'll give you money up to $300 when you set up in account with them. There's even extra perks like being able to get paid to couple days early. So far is what I use when I'm setting money aside and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. I have an idea. Hey, producer, Mr. Noah producer, take her VIN that has been blacked out on this document, get the unredacted version, look it up in just good condition on KB. Give me the car value. And we'll take a pause while he does that. Okay.

We can hydrate. I think whenever we looked it up, it was approximately 30. Huh? Whenever we looked it up, it was approximately 30. Because we looked it up whenever I first came back to Texas. When was that? November. Okay, we're going to get a current value.

Yeah. Because we were trying, because originally were like, let's get this car traded in. Because it was the original plane with it. And then, yes, I did. And here's a word from our sponsor. Calculators. you can beat them you can type numbers

and they'll give you numbers back the whenever I first came back they were looking into it and everything and I was owing I would have I would have had a bigger loan takeout than I would have had a bigger loan takeout than actually

on the cart now yes but I think if we can get a decent valuation on this car I think we could actually save you a shit and just heartburn Yeah. And stress. I have so many gray hairs from this car. No, your hair's pink. Thank you. 36,918.

That's incredible. For a 2018 card? 20-21. Oh, okay. 7-7479. The car's worth 18,000. You said 30? No, 30 on it, yeah. The math is not math. Oh, when did you buy this?

April of last year. You got... I know I did. I bent over and took it like the person I was. Okay. Sorry. Please. This is a finance show, don't you know?

Can't make jokes. Okay, well, typically what I'd want to do is like... Sell the car. Well, I'll give the whole... You sell... You take a loan out, a personal loan out, for... is that going to make sense in your situation? So what you would need to borrow is

You'd need to borrow $12,656 So then you'd have to borrow an additional $10,000 to get a car That's going to last you a bit, which is You'd have to borrow $22,656, which, you know Yeah, that saves you $8,000 So if that's worth it to you, something you could do. If you can even qualify for that, like personal loan or anything, but you essentially

borrow the difference, then sell the car for that value, pay off the loan, and then you also have an additional $10,000 that you borrowed, and you then get a $10,000 caring cash that will, well, cash, it's the loan, but you're just, you're getting a car that's safe and reliable and will last a few years, you know, get certified by a couple of mechanics. Wow, that saves you 8,000 hours, which technically in this system, if we cut down completely to necessities, is eight months. It is eight months. If you refinance down this to 7%, that's still bad. It's not as bad as you are now interest rate-wise, but it is not a good interest rate.

And it's on a depreciating asset. It's 60 months long, which you're just hoping, luckily you have low miles on this car, but you're just hoping and hoping and hoping nothing happens. KPP usually undervalues cars anyway. I do have gap insurance too on that car right now. So if anything does happen to it, anything that's left over and that loan will be paid for by the insurance. Even if you do sell it, you might get an extra $2,000 more than KBB suggesting

because sometimes they kind of undervalue cars. So that's an option worth considering, depending how much work you want to put in that versus how much work you want to put into paying off debt. But what I am 100% doing, first month, setting aside that extra you have, if I'm living on my minimum necessities, for a little bit.

Paying, setting that aside, one month of the merger fund. Cool. Then next month, I'm paying off Alta and most of discovery and then I'm just wiping discovery

after that. Then the month after that, month number four, I'm paying back parents totally. Okay. And that's that. Now that might have been flow based on do you start

picking up car insurance and what does that eat out of your budget? And you know what? Actually, I take it back. I am doing. the personal loan. I am bringing it down to 22,000 hours of debt. Not good debt, bad debt might be higher

interest rates. But why am I doing that? Because right now you're minimum payment's insanity for the length of the loan and for the current interest rate of the loan. And what I would be doing for then, again, maybe you get the customer service job. It's great. I'm putting out of the

program. How many hours are you going to be able to work? With school? I can still work at the same amount. Because that job would be a nine to five, so I would be out of work at 5 o'clock 530 by the latest go home eat dinner and then do school it take okay completely online okay yeah LSC online it takes still takes two years to pay off the car at your current income if you're able to boost your income with this other job maybe you take care of the $22,000 in a year and a half year and a quarter in which case it would be if you do that in a year and a quarter

which would be incredible I think more a year and a half then this is a total two-month two-year process. Then let's call another four months if you go aggressive to save up a six-month emergency fund. So that's probably how long you're staying at home. It's until you're 25. Okay. 25 and a half. I figured right around there, definitely with this economy right now and what apartments

I've been looking like in Houston. This economy, what does that mean? I feel like that's the excuse that people just throw out. So whenever I was looking at, whenever I first moved back and everything, I was trying to get a plan together so I could sit down with my parents. I'd be like, this is my plan. and when I did one-bedroom apartment in Houston and even like in the Richmond area, which is like on the outskirts of Houston, was about $15 to $1,200 a month just for the base pay of the apartment.

Okay. So you're just talking about the rental situation. And the rental situation is actually cheaper and more affordable compared to housing prices than it's like been in decades. So that's saying something. But I have been keeping an eye on that too just so I can adjust my plan as. Well, once you get the six-month emergency fund, you're going to have to adjust your six-month emergency fund

to what it's going to be after you include rent as well. Okay. So it might take closer to three years, and that is totally fine. If at that point you are 26 years old, you have a degree, you're moving out, you're doing all these things you can start investing,

you still have a lot of time for compound growth, you have a lot of decades left, you have chances to meet more people, make better friends that aren't all gossipy behind the back crap. you have a chance to meet the love your life there's a lot of life to be lived sacrificing for three years gets your financial life you can start then maxing up 401Ks

open Roth IRAs So actually add a question for you about that actually What is better a 401K or a Roth IRA Well a lot of workplaces you can get a Roth 401K And typically that comes with the match Sometimes people will say And this is less so these days But like maybe because of the limited options

Within a 401k Sometimes a Roth IRAA can be better if you want to get a little fancy, fancy, fancy. And sometimes the fees are a little more in a 401k if you have limited options. That's what my stepdad has is a Roth array right now. Well, you should have both in reality. Okay.

So, I mean, what I would want to see is try to contribute as much. Max out your Roth area, minimum take the contribution at all times in your 401K. You can even, like, I even buy 5% of my portfolio is, this is not advice, but my portfolio is 5% in individual stocks. through like Moomoo. That's another thing I like to play with. So there's a lot of options. Okay.

That's like three years down the road. Okay. I'm happy to talk with you about it then. But for now, I think this is a three-year process if you increase your income. If not, it's going to be a four to five-year process. Okay. So that job, if you don't get that job, apply to similar jobs like it. Okay.

Take resume building things online, you know, use a program, get a peer reviewed by someone. There's a lot we can do to improve your situation. So that's my. Diagnosis, what do you think your financial score is today? A 3 out of 10. If you want your hammer financial score, you can get it for free. The link I think is in the description below. Let's get your hammer financial score.

Spending your budget was some of the worst I've ever seen. 75% of $5.000. We have debt and we're missing payments. Zero out of 10. Debt, I want to do a zero because you're missing a payment. And I'm not going to go that route. But with that cardier income, it's not any better than a 3 out of 10. emergency fund technically put a little bit towards it now $300 so one out of ten retirement

there's nothing right yeah one zero a ten real estate's nothing zero to ten so right now your hammered financial score rounded up is a one out of ten make sure to check out all the links in the description below there resources that I use or would use in specific situations including the best budgeting program in the history of the internet today on the financial audit post show. And over time, I was noticing more and more lies were coming to light. That's also whenever I found the text messages to the tweet. He said some really messed up things to me. That I was like, what the heck? To watch the financial audit post show and follow up episodes, click the join button below.