Financial Audit - I've Never Had An Update Like This

Episode Date: December 30, 2024

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Y'all, it is the end of the year here at Financial Audit, and we've recorded a lot of episodes. So here with the last uploaded 2024, I want to see where some of them are. We're going to jump into some of the craziest, some of the wildest, some of the saddest, some of the most exciting episodes that we filmed this year. And then we're going to tell you where they are in life today. So without further ado, let's jump into 2024 Financial Audit Ups.S. My name's Trenton. I'm from Minnesota. I'm 22 years old and this is financial audit. Yeah, anyways, but I turned $5 into $200 at a blackjack table and then ever since then I've just kind of

always wanted to keep trying to repeat that experience. You're into debt for the gambling? I don't know. I like playing blackjack. I'll play it. I'll gamble on anything anywhere. I mean, if I think I can make money, I'll bet money towards it. Okay. And how often? Lately, it's been like maybe once every other week for like big time gambling trips where I'm going to be spending, you know, a couple hundred dollars to a, you know, a couple thousand dollars. But a lot of times all.

A thousand? Every other week? So like $4,000 a month? I mean, I don't always lose, you know. sometimes you win. Okay, so it's not about sometimes a win, sometimes I lose net. You've lost, so you've lost. I never claim to be a good gambler.

You purchased $1,5333. That's crazy. That's an insane number. You know why that's actually insane? Because it's your credit limit. Not because they lowered your credit limit because you don't know how to manage this. Would you like to join me in this conversation? What was the purchase?

Oh, $5 for a $1 for what? You don't even know what you purchased. Then why the f*** are you doing it? I don't know. I'm just trying to, like, because I don't have money on my other cards. So what am I supposed to do? Am I supposed to- Not go out to eat?

What are you talking about? If you do not have money, you do not go to Mickey D's. I don't know where you went, but we'll look at that in a second. Does that not make sense? How does that not make sense? I mean, it does, but like, I just, I don't know. I just, I don't like to just sit and home, do nothing. and it's just super hard for me.

I don't know. Both of us could use a few more miles of walking a day. Yeah, I go out and do things, but... There you go. Mission solved. Problem solved. Mission accomplished. Oh, you know, $300 for car insurance.

That's actually kind of an expensive car insurance. It's almost as much as you're right. But, you know, we still have thousands of dollars to play with. Oh, you know what? Just finance $2,825 a month for season tickets of a game that doesn't start until late fall. What the fuck? Now that's a bill. You're right. And that's a stupid bill for your situation. What is happening here? There's no refunding this, is there?

Uh, no. F*** me. Can you sell these now just so you know you at least break even? This is so risky for your position. Listen, it's a hustle. I do get what you're saying. I'm not saying you're going to completely fell from that specifically of the hustle. but in your situation, you can't pay for this right now. You've put yourself in one of the most risky situations I've ever seen for purchases. Making small progress on my debt.

Timberwolf season tickets are starting to make money now. That the season has started. Currently applying for new jobs should have credit cards paid off by June. Happy to hear that the credit cards are looking to be paid off by June. Still a little nervous with those tickets that you're trying to. to sell. It's still an unnecessary risk. And it was just very expensive. It's a lot of money for someone in your position. And with everything that you're doing and the complications around the relationships in your life, I would still just try to simplify things. And that's what I wanted to do when we

walked out of your financial audit. And that's what I was hoping to see. I'm glad a little progress is being made. I hope you land a job that you like and that you prefer. But yeah, come midsummer. I want to see you back in this chair and I want to see progress being made and simplify things man. Simplify. Hi, my name is Sarah and I'm 22. Hi, my name is Joe and I'm 25. We are based out of Lubbock, Texas. And this is financial audit.

You have no money. You don't get to be a car person. I need somebody to light a fire under his ass to help me with the finances and the spending and getting out of debt. You guys aren't going to be together in three months. What doesn't matter what he's doing? Again, me being emotional, I don't like seeing. the bad debt, so I kind of just ignore it.

Again, I don't like being called out on my... He doesn't being yelled at. Well, isn't it important to be called on an idiot? If you're just continuing to swim around your... I'm learning that. But yeah, okay, we get it. Sorry. You're not something you've told me 20 million times.

We know. Have you just been coddled your entire life? I'm curious. Yeah, because I was homeschooled with my mom and my sister 24-7. Yeah. I caused a lot of problems in our relationship. I'm slowly learning that, but it still does piss me off. all the time.

and it's always met with defensiveness and excuses and... Yeah, I'm emotional. I'm dramatic, but I don't like being called out. Out of spite for others. You're destroying your life. You're fucking spiting your future. I mean, honestly, fuck everybody to me sometimes, but I have those moods so I get like that.

But then I also realize that it's bad to have that thought, to have that kind of mindset. Yeah, f***ing over your life because others called you out for your life is being an immature child. He bought a used car. with my savings and some money from his dad and the money that we got from the insurance, it broke down six months after he bought it. So we just used all of our savings.

So. That was the reason why I really got it, which I kind of was against it. To appease his parents. He got it to make them happy. I did, yeah. Okay. I did appease my parents. So that they would stop yelling at him.

Again, I don't like drama. She basically almost threw the box at me too because she was pissed. Why do you think she doesn't love you? I'm an emotional wreck whenever. I was an emotional wreck at the time. I don't even remember what started that. He was just basically crying. It had to probably do something with my mom.

Why do you love me? I'm a mess. And I was like, it had to probably do something with my mom because my mom was always on my ass about shit and just like complaining if I didn't do this this way. And I would always just feel like, oh, I have to make her happy. And it was always an issue. It all comes back to his mother. It was an issue.

I don't know. Why say it like that? Because he makes it sound that way. We both hate my mom in a certain way. I've never hated as many people as you guys. I got divorced. Went to a lot of therapy, found a new boyfriend, and now I'm living with him. My dad is helping me with my Y-N-A-B account, and I'm slowly getting out of debt,

and I have the most money in my checking account that I've had in years. Sorry to hear about the divorce, or happy depending on how that went, but I just want to be a little careful moving with a new boyfriend so quickly. You know, maybe we take something slow. Yeah, I'm happy to hear you starting to start. build a budget. I think it's a little delayed a little long, but hopefully that starts to work. Honestly, stick to that budget. Hopefully, don't rush this relationship. And I'll see you back on. Okay. Hi, I'm Aubrey. I'm 27. I'm from Jocet City, Tennessee. And this is the financial audit.

Oh my gosh. You are. You can't, though. Just your presentation and you as a person. It's just like, I'm sorry I have this thing where I can't filter myself very well No that's okay that's okay I would not have liked you in high school I'm a nice person okay I am You seem pleasant you just seem Go ahead

Okay What you can say what are you gonna say Say your things All right so yeah I was working there I'm excited to be on but shut up Take this seriously Okay What do you mean?

Are you here for cloud? No, I'm not here for cloud. It's pretty much impossible Because you're using a fake name And you have nothing to push anyway, so But like people are gonna They're like, they're gonna be like Have real people on.

If you exist in the real world, dude These are the real people I think, yeah, work for your death, that's great. Yeah. But right now you're not working Not making any money and again. Okay, let me start going to this. I'm just not gonna pay on anymore

Because what's the point? I'm already screwed. What's the fuck? You're talking about no, no, no, no, no. You pay, you make progress, you get out of it, and then you're not screwed. What do you mean? But where I live paycheck to paycheck, it's so hard. You don't have a paycheck.

What paycheck are you paycheck to paycheck? What do you don't have a paycheck? You don't make money. For now, I don't, but I will. So you're going to paychecks to paycheck. You're fucking around to fucking around. Your friend to friend. Paycheck to paycheck.

How would you actually make a paycheck and I'll be proud? Oh, I am irritated. I am irritated. Oh, okay. Oh, try to not Gosh It just seems so easy To put a TV on and an Apple Watch

Yeah Yeah, I had this ex-boyfriend And I didn't have any money to get him anything for Christmas And so I just got an Apple Watch And I put it on credit card Yeah What do we do? What credit?

Perhaps Are you trying to take advantage of in your life? But But? But, but, I've never heard of a new credit called but. I've never heard of a new debt called but. Cut up the cards right now and prove it. If you're willing to. I'm not going to pressure you into doing it.

I want it to be your action. So are you going to? Okay, yes. I will cut them up. We're going to bring them. They're not. We're going to bring sisters to you right now. Okay.

I don't even know what cards I have with me. Oh, go ahead and check. This literally hurts way worse than any of the other ones. But even if it is blurred to protect her identity, it is a credit card. There we go. Okay. There. I did it. I've now consolidated and closed all of my cards with the help of J.G. Wentworth and I'm working really hard to cut down my impulsive spending and save as much as possible. My bills are now lower than they've ever been in years and I feel so much weight lifted. Still a long ways to go, but I have hope. I've decided I want to

pursue an online career so that I may still be able to travel without having a sacrifice a paycheck. As for now, I'm back at Vale working ski valet where the pay is decent, but the tips are great. All the tip money I'm making is being tucked away so that I can make a lump sum payment to J.G. Wentworth. Leaving out some, however, in case of an emergency. All is well here. Hope everyone is doing great there. J.G. Wentworth? I didn't know people actually use that. Aubrey, what are we...

Okay. There are good consolidations. There are bad consolidations. I didn't think they would be the people to be trustworthy, but honestly, I have not looked into them. Just make sure you're doing this very safe. Again, the main concern is what I see a lot of people doing on the show, and this is not what I want to see happen to you. You consolidate without changing the behavior, and you had a lot of behavioral issues. Trust me, you're a very pleasant person.

Everyone likes you. Everyone likes to hear. I think everyone in the audience likes you. Please, please, please make sure you are using the educational resources we have given you, that you are following a budget, that you are cutting back on spending, and you are changing behavior. You're already in the consolidation process. I wouldn't have recommended it until I saw that behavioral change.

Okay. Yeah. When you come back on, my fear is that you're just going to build up all those debts again. The online career, yeah. Okay. I know you're a big traveler. And I know the ski season we're in it right now, so income's probably looking good there. just a little nervous during the summer months.

Tares to see how much is in that emergency. Fun savings. There's a lot of risk involved here. Just don't build up those credit cards. I'm glad, well, I'm glad you closed the card of cards. You said you closed the credit cards. Just don't open new credit cards. Well, when we're talking closing,

I hope that means you actually close the accounts and you didn't just chop them up. We'll have to see. I'll have to see. I wish you the best luck, of course. Hello, my name is Beamy. I am 29 from Austin, Texas. And this is financial audit.

I don't know. It was a couple years ago that I inherited $60,000 and blew in three months. What the fuck? I think that my childlike fantastical beliefs in the future. Beliefs in the future. Compared. Tied with. What the fuck that I just walk into?

What are you talking about? I didn't open the RV either. Huh? Like the hood. We should have. checked under the hood. When we did, it was covered in trash. What, the RV?

Yeah. You still have the RV? No, we left it in some random parking line, got out of there in, like, the desert of California. You're doing this like a hobby, just having fun, traveling around, you don't have any savings to your name and you have debt. That's not how we do this. And that's why a lot of people fail because they have to get back to reality quicker because you don't set yourself up for success. I know you want to rush into this. It makes sense.

It's a want. You want this. I want it for you too. Give yourself the best shot to get there. Right. I know I'm being a dick, but I do want you to succeed. Right. Don't get me wrong.

I'm not going to not challenge your worldview because your worldview's idiotic. But, you know, it's not out of hating you. Yeah. Been so searching. Ain't been learning. Oh, I ain't been learning. Move to Maryland from Texas, worked a couple of jobs for a few months, recently moved to New York, sold my car, made a lot of new friends,

released a few new songs, working on writing a book and a few other projects, getting work, did some interviews and other podcasts. Financially, I'm almost out of the whole. I covered all my bills and most of my dues, covering the last of my debt within the next few months and building my income up. In October, I got a stable place to stay with a bathroom and a kitchen for the first time in three and a half years, and everything has been incredible since. I'm happy to hear that after the move, you've made a lot of new friends.

You know, sometimes in adulthood, moving to a new place without college or anything like that. It can be hard to make new friends. But hopefully that making new friends isn't meaning going out and spending all that money. But again, we all liked you just like, we pretty, I pretty much like everyone. There's only a few people that I'm like, I don't really like that person. We all like you. My main thing, I'm happy to hear that you're almost out of the hole. But the fact is, you're in a relatively easy, blessed situation compared to a lot of people.

and I think you could be out of it quicker. I just need you to stick to it, and I need you to really grind and just be a little more mature about the whole process. I know you want to do a lot of these passion projects, and I support that, but we have to be doing that while working and actually hitting our financial safety goals because we don't live in a society where it's just like you can do passions and you're entitled to do the passions without having to worry about other things.

Whether or not we like that, that is the society we're in, and I want to help you navigate the reality of that. So, you know, continue pursuing those. on the side, but let's make sure that we're very strong in our income side. We're not blowing all the money with the new friends and that we're still on track to hit the goals. I need to see you have a good chunky emergency fund for the kind of lifestyle you live. Hi, this is Ariana 31 from Corpus Christi, Texas, and this is financial audit.

That's going to legitimately piss me off. It's not a joke. This isn't a joke. We can he-ha-he-ha a couple times, but this isn't a joke of a conversation. This is like your actual life that this is right now. Yeah, for sure. But there's stuff in there They'll probably piss you off more

So you might want to wait on it So I don't think you can go inside supermarket Supermarkets is your weakness You go you go into Glissytown Every time you walk out of Sam's And then you work at HB

And you can't stop and just get What are you kidding? What are you getting? What are you getting? Okay. My regular is And this is, I only do it When I have a shift So it's literally

And we know you barely have those. Yeah. So it's always the same thing, embarrassingly enough. It's like the- The price is different every time. So that's confusing, but go ahead. Well, usually. But what I really like-

Literally every single time of the statement, the price is different. Well, some of those are actual groceries, like milk and bread. So. But what I always usually get is the like sushi. I mean, basically sushi. All that build up to say you got sushi. Yeah.

But I don't like any. just I like the little rolls with like lettuce and cucumbers and stuff lettuce and a sushi rule you work less shifts than you're getting in spring rolls by the way so you're getting multiple spring rolls for shift

ATM and draw $20 who knows where that went spring roll spring roll hair design there it is great the post divorce spring roll moon pig spring roll spring roll it's getting some tea weiner snitchell

McDonald's Yeah. Oh, we did our hair again. Twice? First time I wasn't good enough. I get my hair done about once a week. What the fuck? Yeah.

Clara, is that even close to normal? Okay, as not a woman, I needed to confirm. No, because what the fuck? What the fuck? Naturally, really dark black hair. Congratulations. And because right now I'm platinum blonde. Sure, until you literally just stop being platinum blonde.

Yeah. Cool. You know, I want you to be able to do what you want for your looks. You literally aren't paying your bills and you owe your mom money and your situation is make $20,000 a year. I don't give a fuck your hair color is. Let's just be honest. But you can't budget that in. Now when you don't have money.

Oh, my. Oh, my. I hope you're with me. You're not. I know you're not. Well, this is insane. Yeah. This is insane.

Six to 12 weeks is like the recommended average haircut. Yeah. Again, I'm dying it. Go bald, dude. Just go bald. Gained full-time employment as a probation officer. Got a side hustle as a pet sitter. Stayed working at the grocery store.

Still in school for court reporting. I was to hear about that increase in income and the full-time job and the side hustle things are good. And I know, listen, I got a little bit of shit for making fun of the court reporting talking about AI. I like to play devil's advocate on everything. That is one of my, one of my curses, one of my flaws as a human. I think you'll have a good long career in that. And I know it's a good career path there. I'm just, you know, I like to just put out their thoughts of like, oh, what if, what if, what if, you know.

And just make sure we're navigating things in a protective way, setting yourself up for success. But I think you're going to be going down the right path. I would have loved to hear how finances are looking, but I am happy to hear. hear about your income situation. Hi, my name is Natalie. I'm 33 years old. I'm from Chicago, Illinois, and this is financial audit. So you were getting, you had a job then. It wasn't, it wasn't really like I was doing online work and that wasn't really an actual. Titty money. Yeah. How much were we making? Not enough, maybe 600 every month or so. What is online, is that like cam, girl stuff? Yeah. Why is almost half of our money going into this

under the mattress. Because I need a car. How much is, you're in Chicago, one, you actually don't. You're in one of the only cities where you don't. Like, may as well take advantage of that. I have to, like out of three cities in the United States that you don't need a car, you're in it. My, what do you call it? Boyfriend, how do you feel about your girlfriend getting paid by the ex-husband?

I'm trying to help her with that stuff. Trying to help you with that stuff. I don't know what that means because obviously it's not make, there's no help being, So take him off. He wants to be off. Yeah. Take him off. If you know it, then what are we doing?

Why would you do that to yourself? Do you want your kids back? Do you want to have a future with Mr. Mann over there? Do you want to move out of your brother's house? Do you want to not be dependent on people? You say, yeah. Your actions don't say yeah. Yeah.

No. No. It's just really bad impulse control. I haven't been able to figure out yet. We can do things in a proper way. You're not. No. Just fucking team moving around.

Get him off the card. Yeah. I might give him a call. Let's, we're going to call him. Call him. Call him. I want him off the cart. I want him off the card now.

I think it's time for Ms. 33 old to act 33 old. You know. Extra damage. Oh, I have my fan. Hold on. Hello. How you doing? Good.

How are you? Good. My name's Caleb Hammer. I am talking to your ex-wife about her finances. Can you please stop paying the Capital One quick silver card? Sure. Okay, thank you, because she needs to actually take some responsibility for the first time in her life. All right.

All right. Love you, buddy. Have a good day. You too. My life. I've paid off all my credit card debt, which wasn't much. I started paying my brother back and am slowly starting an emergency fund. I've deleted apps like Grubhub and Timu and have been meal prepping.

Things are looking good so far. All that credit card paid off. Let's fucking go. That's an end of a year win right there. Good job. I'm happy to hear you're slowly paying your brother back and building up that emergency fund. I would prefer that emergency fund first because, you know, if something emergency were to happen, it means it would go back on the credit card.

Maybe you'd borrow money from family again. So if you're able to communicate with your brother, like, hey, and just trying to make sure we get a little safety position here. I'm not just blowing my money on fun. Maybe you provide some proof on that. I rather you get to that emergency fund first, but I love the heart of it and paying back your brother because that is good for relationships.

And you have taken the right step by deleting the apps that you just can't control yourself on with T-Moo and Grubhoving, all that out of this stuff. So that isn't going to control. You know, just take away, take, don't allow alcohol to be in the building, you know, to be in the house if you're an alcoholic. If you can't control your habits, delete those apps. Don't allow yourself to insult. all those apps. I'm happy things are looking good. You're on the right track and I'm super

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Hi, my name is Rosa. And cutting that off, this is, you guys have broken records. We have just, I need to get into this episode like legitimately right now. Was the most recent one? Whoopsie or planned? Um, kind of planned. Yeah. With this?

Yeah. With this? All that. Okay, so we moved in a house. We didn't have that money, that much money. So over the course of the next few years, so you just guys just around? I need to be very clear.

You don't think you pay 30,000 hours a month of those house. It's like five, I think. We only almost bring in like four to five. Oh, my f***. $1,500 comes in. If I intend to be reasonable. Birthday month. You, you're aligned with this birthday month thing.

It was her birthday. Her birthday. What do I give a good birthday? You know who's birthday? It's about to be the two-year-old. And guess what? That two-year-old is going to grow up and have to take care of their parents because their parents never saved up for retirement.

That's another 10 for the kid. Credit limit 5,000. Credit limit 5,000. Credit limit 5,000. It is sitting at $5,014. $14 with $140. $140 a monthy payment. Okay.

It doesn't matter. I mean, it's not like we have two kids. One's about to turn two. No, who really good? Why would your nephew? be on a card. He just wanted it. We tried to tell him to not get it, but he wanted it. He just likes the way it looks. I don't know. Passed two. No, I paid that. We're pasted. Did you know? I didn't know. I think something's got to change. Something's got to change. Oh, my,

oh my, my, there's been one or two missed payments on this card this year. We're addicted to miss payments. You know, I don't even want to. Continue this. This is crazy. But actually, you guys are very pleasant people. So I am going to for you. Because I like you guys. But this is insane.

No, of course. I just want to go lay in my office. I think, are we halfway through now? It doesn't look like you. Oh my gosh. It's supposed to be like 30, 40s. It's been an hour. I've never seen $681 of overdrafts in a year.

In a year. In a year. You, you, you do, you. It's not that they suck. It's not that they suck. You're spending half of your income on fun. It's not that they suck. It's not that they suck.

They don't do it to you. You did it to yourself. They did. Oh, don't do this. Look at the, we're overdraftsing $700 a year in all these lines are bullshit purchases. How we got a raise. I've been tracking my progress on TikTok. We have both been working overtime.

We took a 401K loan out to consolidate. debt and have a 1K emergency fund. We lowered our monthly bills by at least $1,400. Finish one of the lessons in watching the new one all in about two months. I think you guys weren't on very long ago and you already got a raise. I'm loving that. This is a great end of year update. And I got to look up your guys' TikTok and see how things have been looking that you guys are tracking your progress.

That's really cool. Not liking that 401k loan in the consolidation debt. In fact, an episode's coming out in the new year of someone who has taken a 401k loan out in the past to fix their things, then their debt went all the way back up. And now they're talking about taking a 401k loan again out to consolidate their new version of their debts. And it's like their fifth time repeating this process.

That's the one thing that I'm nervous about, especially with a $1,000 emergency fund. You know, I get that. That's like the Ramsey solution. I prefer the money guy solution where it's like, make sure you can cover your largest deductible, you know, maybe one or two month emergency fund to get started before aggressively paying off of that debt.

Make sure you're changing that behavior again. And that is the mostly big thing. Lowering your monthly bills, that's fantastic. And the increase in income, that's fantastic. And paying off over $3,000 in debt in two months is fantastic. Don't consider that taking out the 401K loan is paying off debt, though. I don't know if that's in there. If it's not, I'm very happy.

But just be very cautious. Make sure you're changing your behavior. You're not taking that as a shortcut. And then you build your debt all the way back up again. Okay? Be cautious. I'm happy of the update so far. A little nervous on that 401K.

Be cautious. My name is Tabby. I'm 26. I'm from Houston, and this is financial audit. So I do have only... But it is... Yeah, I have my O-F account.

But it's a pure passive income. I make about extra like $200 a month. I haven't posted since 2021. And most of my content was with people who I were either hookups or were people I was dating at the time and stuff. What is this? Why'd you get like a Best Buy credit card if you're going to do something this stupid?

I didn't get approved for Best Buy credit card, so that was an expect option. Yes. This is insane. And you don't even, how much do you make off of streaming? Nothing, because I just do it for fun. Hobby. Yes. A hundred 20% interest rate hobby.

That does not make sense. And I'm not saying you shouldn't stream. Don't get me wrong. I've been considering streaming myself for a long time, and I just haven't because I'm scared. But what? Yes. like rent, food, stuff like that. Any amount of debt, borrow anything.

Take up mortgage, take out car loans, take out any kind of debt ever. And you think because it's something, a contract that you signed, but it doesn't mean life or death, you don't have to pay it? That's what you think? That's what you think debt is? That's what you think bills are? That's what you think managing finances is? That's what you think living is? That's what you think

financial security is? At this point, yes. You have coping skills, yes. You have behavior issues, yes. But the fact that you get to claim that word is disgusting. There are people with real issues. In fact, we've recorded with a couple, we had a gambling addict recently,

and we had another addict of an episode that's not going to come up because it was just, you know, it was a sad and we wanted her to help them get treatment instead of recording. But even still, that's addiction. You don't get to claim that word. Some more so of a coping skill.

Let's not throw words lucy-goosey. Life has gotten significantly worse. I was homeless for a while. due to circumstances out of my control, I attempted super f***, lost my job because of it, and a lot of other things. Absolutely horrible time since the episode. I am horribly sorry to hear about this update and that you lost your job through the attempt and that you were homeless for a while. Please do not hesitate to reach out to us. I haven't heard anything from you other than this.

And I would have been happy to connect you with resources and been there during that. hard time and you know make sure you're definitely calling 9-88 if you're ever in that situation again please and do not hesitate to reach out right now as we told you and we told all the guests you know with having filmed with hundreds and hundreds of people now we do you know you know we're not like reaching out to every single person every single day like hey how are you doing how are you doing how are you doing how are you doing it's like please just as we told you reach out to us anytime you are not annoying us I promise. Hi, my name is Sawyer.

I'm 36 from Waco, Texas, and this is financial audit. I can't work. I, why? I don't have a driver's license. Okay, so let's get you a license. Okay, let's do it. Okay. Need $10,000.

What the fuck are you talking about? I have to pay off about $10,000 in citations. What are the citations for? No license, no insurance, no registration from when I was... What would it have cost at the beginning? if you just dealt with this. Like $25,000. How the fuck are you driving DoorDash right now?

So I use other people's accounts. But you're driving without a license. Yeah, that's why I use somebody else's account. Oh, my, so you're just, I mean, you're going to get arrested, right, at some point? Some point they're going to be done with your shit. I got arrested a couple weeks ago. And? On the way home.

And? It's just another addition to the money that I owe. No, you're probably. land on your girlfriend? No. I make more than she does buy a lot. Confusingly. Illegally. Hey, she has... How are you making money? Um, I mean, like I said, I do a lot of reselling. Um, street pharmacists part time, I guess. What are you selling? Just marijuana. Pharmacy

wise. Just people still need to do that. What about it? It's not legal here yet. So, you know, I know, but they grow, like, in half the bill. buildings in Austin. You can just go in and buy it. See what is happening. I have not played video games. Store space? Storage? Yeah, my storage unit.

Why? You have a house? I don't have enough space for the stuff. Plus, I'm trying to make room for my girlfriend's stuff. Your stuff? She's going to move in with you? I'm trying to the unlivable place? No, we're trying to get one of the other units.

You want to rent from this guy? No, but it's cheap and it would help us both save a bunch of money. I think it's cheap for a reason. Yeah. And it's month to month so we don't have any like. I get it. It's just like whether or not I can have running water, that's usually not a compromise. But all the ones that they've like fixed have it for now.

So I feel like we could stick it out for a year, save some money, then get into somewhere that doesn't suck. Khan appliances. What are we appliances? What appliance do you have? Oh, it doesn't matter. It's a lot. No, that's from my roommate that went to jail. What do you?

Okay. Why do I have it in front of me? Because he didn't have any credit. So I trust him to pay. You right now. That is so bad. Never do that again. Lost my job literally the day after recording.

Got a notice of a second rent increase effective in January. Car broke some more. About the only highlight is that most of the credit cards are paid off. Man, I'm sorry that you lost your job after that next day. I'll be honest. We need to be real about this, right? You know, this is the tough left part. I'm not surprised.

You know, you're using literally fake identification. and borrowing other people's cars and just a lot of other illegal things, man. You, I'm glad that most of the credit cards are already paid off. Second rent increase effective in January and car broke some more. Listen, man. The thing is, your ship, a lot of it stems from the personal choice of just not taking care of the traffic issues that you were dealing with in the past, not being mature enough to settle those. and then getting an actual updated license and registration and everything you need to do.

You need to get your shit together. There's obviously signs of progress with the credit cards. A rent increase with how cheap your rent is should not honestly be an issue for you. It really shouldn't. I am sorry about that job loss. We need to go get another job immediately. We need to be Uberine to McDonald's or literally wherever. I don't care.

We need to get money in. That is the focus now. Please feel free to reach out. We can connect you. with any resources that, you know, would be appropriate for your situation. But it's honestly time to kind of adult up for the first time and pay off those traffic bills immediately because you shouldn't be getting them in the first place. And it's still kind of a joke as it was before. And that is not the life you should be living. It's time to mature up to our age. And I'm saying

that from a place of love, saying that from a place of tough love. And I know it's, it's kind of hard to hear, but it's time to actually get your shit together, man. I'm 34 years old. I'm from Temple, Texas, and this is financial audit. It's been a year, for sure. I've definitely done a lot more and accrued a lot more, not a lot more debt, but more debt. Well, I didn't mean to. Things just happened, and I didn't have an emergency fund, so I couldn't pull from that to just.

Working on it's been a year! Yep, well, so. So what did you do? Have you gotten another job? Yes. Yeah, really? How much? What are we doing? I'm doing Instacart. Is that the proper side job then instead of working hourly somewhere in the evenings?

I'm not perfect. Okay. Look, I'm not perfect. Oh, that's such a bull. That's such a cop out. Well, that's what I got. I mean, I can't really, I did what I did, and I can't change it. What if I walked over there and I punched you and I was like, sorry guys, I'm not perfect. But then it's an excuse it.

It's not a reason? No, please don't punch me. I would never punch you. I'm not a physical anger kind of person. That's just an example of just like... I owe my aunt. She's the one that loaned me the money. And that's who I'm paying back.

And she wants to be paid back in cash. So I withdraw money. Porto's delivery? I mean, no, no, no, no. You put some towards your debt. It was just repurposed then again towards another card and you're spending so ridiculous. Like, this isn't a positive audit,

or this isn't a positive fall of. This isn't like a, you've gone necessarily worse. This is like we've stayed the same and that's really disappointing. Yeah. It's like I realize that when I was like reviewing everything and the numbers they moved, but they stayed the same. Gosh, you just made it harder for yourself.

This is what happens for everyone out there. This is what happens when you just kick the can down the road because just going out and to eat and getting the in-app gems and whatever and just the life we're used to, even if you cut back a little and you just sustain a lot of the life you're used to, you're just kicking the can down the road, eventually just comes at it. You just, you get to the moment and what are you going to do?

You're going to have no choice, just like with your dog situation, you have no choice what to go into debt. And when this car breaks down, you all have no choice but to go into debt. And what are we going to do? We're going to borrow family money. Like, you know,

like, yes, your credit scores good, but your debt to income ratio is not great. So like, I just saw you a year ago. You'd be a fourth of the way through this. A fourth of the way through this. That's incredible. But now you have to start all over again. That's what kicking the can down the road does.

So now you're going to be 38. And you're dramatically behind in a retirement for your age. You will be dramatically behind a retirement for your age. I got nearly $50,000 in student loans forgiven. I had to buy a new vehicle. I'm still trying to pay down all of the debts and trying to continue to lose weight. Whoa, student loans forgiven. Listen, I know your behavior isn't what got the student loans gone, but they are gone.

Let's take that as a blessing. Let's redirect those funds to making progress in other areas. So with the new vehicle being purchased and everything, maybe the extra minimum fee payments that would have gone to the student loans can go to paying that off quicker, and you're still trying to pay down your debt. And I'm happy to hear about the weight loss. So just keep grinding and out. Let's make sure we're following a budget.

Listen, your follow-up that we recorded and posted on the main channel before we had the financial auto follow-up channel. It wasn't the most positive. And I really want to see a positive second fallup, okay? So redirect those funds, fall to budget. And I'm excited to see you make some progress. I'm Daphne. I'm 34.

I'm from Huntsville, Texas. And this is financial audit. Right after I got divorced, I got into a situation with somebody I knew from work. And how quickly after the divorce? Well, like immediately. It was like a rebound, right? I guess is what they would. call it. Okay.

And we worked together. Like the day after? Maybe, maybe. Sort of. Yes. Okay. So I knew him. Right. Right. We worked together. That's how we met. Wait. How long were you married? Almost five years. Did you guys ever have any kids?

Yes. And you got with this person a day after? Yes, but see what? I thought he was like the love of my life. A day after. After divorce, okay. Yes. Sure. And you thought he'd be living with you?

Yes. Like I thought we were going to be together. We were going to be in love. But he was married? Yes. So I was under the impression that he was the same kind of married that I was. Which like... What kind of married is that?

Which is like... That's insane. No, hear me out. So like... I... Okay. No, I'm hearing you out. It just doesn't really vibe with my personal morals on that.

Right. No, no. No. Go go. Oh, that. Legally. You say your thing. We're trying to get context for how he ended up here.

So go ahead. We were together maybe six months. You and the married guy. Yeah, married. Banging it up. Banging it up. You were. Well, yeah, of course.

And he was married. Yes. That's home record behavior. Technically. That is true. Yeah. It's embarrassing. Yeah, let me look at this back to finances.

So you signed a lease expecting to live with him because you thought he was the love of your life. A married man? that you met? Wait, wait. So, yeah, the plan is to just keep doing it until it doesn't work anymore, I guess. And I think that's how all relationships are. Oh. I know, I said situation ship, which I don't like saying that because it makes him sound bad.

Yeah, but how long are you guys actually together when you're together? Oh, so I have every other Friday off. So normally I go like a long weekend, like Thursday night to Sunday night. All right. Good luck for you guys. And same for him when he comes to see me. That maybe if we had known these things about each other, we would have just broken up. But we didn't.

We got married. Well, it lasted five years somehow. Yeah, I know. Shocking. Okay. I got a raise. Stop eating out as much and have started building my savings. Love that.

Stop beating out. That was a big thing for you. The raise. Make sure we're not redirecting that money in wrong ways with the raise. And then all of a sudden stop eating out. We have extra money. There's a whole pile of money. Where are we putting that?

You're building your savings. You say, good. I want to see progress in all the areas with the debt as well. And it's not just about the savings. So when you come back on, I want to see, I want to see debt-free and I want to see a good chunky emergency phone, okay? I'm Lydia. I'm 40 years old.

I live in Austin. And this is financial audit. Why is your rent $2,400? I also have a grand piano. And a grand piano does not live in a studio apartment. Get rid of it. I don't give a shit. Yeah, I do give a shit.

And you can't pay for groceries? I think that's a self-inflicted. That's you. Yeah. That's you making a choice because of a want that you wanted. How's that going? Yeah, it's not going well, obviously, or I wouldn't be talking to you. I've been trying to pay that one off, but using lower...

More purchases. Trying to pay something off does not equal more purchases. You say you know, but why is it happening then? This is still horrendous. I know. Okay. You don't have to keep saying that it is. Yes, I do.

You don't. I know that it is. Okay. Usually when people know things, they then would change. change it. Yeah. But you haven't. So maybe I do need to keep saying it.

Okay. Keep saying it. Okay. Trust me. I will. It's my show girl. Hear yourself sing. Hmm?

Hear yourself sing. Go on. Beautiful voice. Mm-hmm. I'm just saying I know where I can improve. You can slap them in the post show if you want. Okay. I don't slap.

I punch. Let's play hypothetical. Gun to your head. You're inside of an elementary school. What would you pick a, the car? or your rent. Still working. Still paying off debt, not buying a house.

Looking to downsize to save money when my lease ends in July. Looked into selling my car, but leads didn't pan out. Just trucking along, nothing fancy. Ah, my combative nemesis. Not really, of course. You know, I get it. Heat of the moment, things get a little, a little, I'm happy to hear that you're still paying off debt.

I wish I knew the progress on paying off that debt and looking to downsize. I know the complication with the piano. Lees didn't pan out for selling in your car. I'm curious what looking into selling my car is. You know, what was that? Did we put it in a day's worth of effort? I'd be curious. But I'm happy to hear that at least still paying off debt, still working.

Let's get that downsizing. Maybe put the piano in an AC temperature control storage thing because I know it's very important in the family heirloom status of it. and maybe we're looking at that car a bit more because I don't know if you fully want to sell it, but let's keep getting updates from me, okay? Hi, my name is Travis. I'm 25 from Fort Worth, Texas, and this is financial audit. Like, I feel like I can't operate on my day unless I make a pie chart. You know, anything can be an addiction. And the fact that you're in that situation, that's obviously very hard. And I bet that's also quite expensive. I have found a way to make it a lot cheaper than what I have seen in the past.

Maybe we know. It's one of those. I mean, I used to spend like $2 to $300 like a week. And then now it's down to $80. And it's, you know. A week? Yeah. How?

You don't have to give us specifics, but just in general. You know, new science, technologies, that type of stuff. Newer stuff is better. So you less of it. So more concentrated sources? Interesting. That is far and beyond. But it's like that.

I'm not interested in that thing. so I don't know. Yeah, and then it's one of those. It's like there's that one, which is like the one that concerns me the most. But then I do have a recreational hobby that is becoming a problem. Two-town. It's one of those. So, yeah, it's a lot of fun.

Okay. And we've bleeped the specific substance, but I was not expecting that, my dude. Okay. So how common is that? I mean, that one's about $100 a week. Oh, so this is a lot. an ongoing thing. Yeah.

That was more recent. Are you on this right now? No. Well, depending on how right now, it's one of those probably. When was the last time it was consumed? 18 hours. Okay. How often do you consume this?

I mean daily. Okay. So that's not happy. That's not a, we're going to have a party situation. This is a, we're doing this. Every day is a party. But no, yeah, it's one of those. It's definitely a we're doing this.

And, you know, steps are, being taken to not. Well, I have paid off all my credit card debt, paid off my car. The girl I was dating I went to rehab for broke up with me. I got a second job and promoted up to a shift leader. I moved into a house and December will be the last month that I have to pay for

rent and mortgage. Thank goodness. My Waterburger won the Wata Games. It's a competition that Waterburger throws between Waterburger units and winners get bragging rights and a nice cash bonus. I made a friend at one of my jobs and her and I got each other's names tattooed on one another. I'm learning how to bartend. Kind of funny for me to learn that because I don't drink. I've been focusing on developing

myself from a good manager to becoming a leader, finding ways for my teams to trust in my leadership and have them want to follow me in my decisions. The only debt I have is my student loans now. I haven't put a date to when it will be paid off, but it should be another 12 months approximately. And then I'll be debt-free and will focus on putting a bunch of my money in my 401k. to achieve 100k before I turn 30 years old. That's the primary plan. While doing that, secondary plan is to save money for emergency saving and a big purchase I have coming up in the next five to 10 years.

Travis, honestly, this update is just one of my favorite things that I got to read today. Like, let's go, dude. I'm happy to hear that it sounds like you're staying clean. I'm happy to hear that everything is going well at Waterburger. Like, you are just... I want to lift you up on a pedestal, man. Actually, you know what? We're doing a live show in February.

I want to invite you to come on. You know, not for just a major update, but just to have, you know, hundreds of people cheer for you. Just showing that the staple. I want you to, you are the staple of someone who can be at their lowest. Get to help. Listen to some tough love. Put in the work.

Change things around. You are a winner, man. You are a winner. And I am so fucking proud of you. Keep going, man. I love you, dude. I seriously do. Reach out.

I want to get you on that show, okay? I want to celebrate this victory with you. Hi, my name is Amber. I'm 46 based out of Round Rock, Texas, and this is financial audit. I had to support a whole other human being. Okay, why was he not working? He wasn't working because he was undocumented.

Oh, rip. Okay, why is the marriage ending so immediately? Because he decided he wanted to send a to some 20-year-old in Argentina. I wish I knew Spanish so I could ask her if she was satisfied with it or not because it is, you know, objects appear bigger than they actually are in real life in photos. Have you practiced that one? No. Yeah. How long are you guys dating before?

Uh, three weeks. Okay. What was this? What the fuck? Okay. I will tell you. I will be. Had I known that alone that this man literally had to have a continental breakfast every morning, I literally would not have married.

And it wasn't true love at that point. You guys couldn't have known. That's hard. hard to know. None of the dudes out there sending pictures of that, you know, uncut hero. I don't budget.

I've admitted that like many, many, many times. I don't budget. And I, I need to, budgeting. You said,

you know this is at the credit limit. And you want to get up below so your minimum fee payments are lower. Then why would we purchase on this card? But we're not. This card. We're not.

You did. In this statement. In this statement. This statement. We're only talking about this. Hey, hey, no.

We're only talking about the fucking statement that exists. Yeah. And if you, look at it, what purchases are on the statement, Caleb. There aren't any purchases on that statement because the card was over the limit. Not true. For the amount of money that I spent that day on DoorDash, I could have bought four meals. Yeah, seven and a half dozen eggs could stretch further than four meals.

Nobody's going to eat that many eggs. That's your choice. Nobody's going to eat that many eggs, Caleb. Oh, great. So it's eight meals. That's not good for your cholesterol. It's a, how are you? How have you existed?

Are you on blood pressure medicine? This is, I probably should be after this conversation. This is the episode where I finally lost it. That is a new credit card. People have always asked, and I've asked myself as well. Two and a half years into this thing. What's the episode where I'm going to lose it? You want to talk about my ally card now?

Oh. Dating coach? I was lonely. Adding more income literally in November and I'm bringing in $1,000 a week with that. Yes, it's legal. I'm redoing the budget that I get. got from the financial audit and should have all my credit cards fully paid off in two months. I would love to come back on the show in January to give a bigger update.

Quote, she got a better job, so did she change her ways? On if that helped as well, like if the business actually generates sales. Oh, man. You, that was a special episode, wasn't it? I still, you know, one of those candles, smells very nice. I very much like them. I hope that business has been going well. But man, when we just got that back and forth, I have not been so just like emotionally angry very much on this show.

But when you could not understand that you could just buy a root tizary chicken for $5,000, maybe $6 now. But I am so happy to hear about that more income, bringing an extra $1,000 a week like, let's fucking go. I'm glad it's legal. I don't know why you had to specify that. You're redoing the budget that you got. I don't know why, but I do love that you are paying off the credit cards in two months. I better receive that an email or you come back on the show when those credit cards are down. I want to hold you accountable to that two months that you're promising right now.

Hi, my name's Casey. I am 34 years old based out of Georgetown, Texas, and this is Financial Audit. Responsible in any way whatsoever. You can't pay anything. You're never paying anything. Got a car repoed. Add into your debt on this last one. Pause.

Not pause. Pause. I did not get the car repo The car was voluntarily surrendered In the process of me trying to catch up on my payments Because They were going to repo if you didn't My finance company lost my payment

Had they not, I would still have that car Okay, you know you have to be behind payments For like many, many months for that To even be in that situation There you go And I just started the job that I just left And had they not lost that payment I was going to make two payments

With the next check because I had massive overtime. You have to understand that I was making bank at that job. Wonderful. I wasn't happy. Yeah, but then you still have to pay the bills that you took out, though. Right.

But again, I would still have that car which had a lesser payment on it. Honestly, all of this really started going south when I lost that car because my car payment shot up by like 200 bucks. And so that's when you're getting a car that was unaffordable to you. It's the car they gave me. Cave, no.

It's the car they showed me. I needed a car. I'm, so really, so if anyone shows you anything, you're just going to buy it. No. I'm afraid for the next time you have to get another car. They're going to show you a car and you're going to be like, okay, that's my car. When it comes to cars, I've never gone on a car before. When it comes to cars, I typically do research.

I typically do the research. This is literally the one time where I did not. And it's destroyed your finances. So, yeah. I lowered my phone bill. buy a lot. Got a raise in my current job plus picked up a second job and I'm currently looking to move into a cheaper apartment once I can find the one I qualify for. Listen, I'm happy you load your film bill. I don't think that was the entirety of what we're discussing, but the race

at your job and the second job looking to move into a cheaper apartment. That is what I like more than anything because that was our big sticking point when having the conversations that you're just like couldn't live more less than two. seconds away from their family. Like, we are in a massive suburban area. You can live in Round Rock. You can live in North Austin. You can still be close. I've gone to Georgetown many of times, and I am not that far north, okay? So the thing is, I'm glad to hear things are doing okay. I hope with that increased income and with the decrease in our living expense, that you start making a bit more progress. I'm a little bummed. I haven't heard about more progress

than just that, okay? But keep going. Morgan. I'm 29. I'm from Charlotte, North Carolina, and this is financial audit. Okay. So what's going on here? What is happening? What is happening? So I have an ex-husband. I was married before. An ex-husband? 29. So out of the divorce, I got $600,000. The fuck. Yes. Yes. Why? That was part of our settlement. So I could have taken more, but I didn't, which I'm kind of of now regretting a little.

Wait, why could you have taken more and why didn't you? When did you get the $600,000? Two years ago. Okay, what the fuck is it? Well, I bought a house, $330,000. So I don't have... So it's half the cash. Yes.

I bought it site unseen. We had to renovate it completely, like gut job. The renovation was like $100,000. You don't know with that other $150,000 to $200,000 when, do you? You don't know. And he was twice my age. So I think... I think 40?

I definitely think I was groomed in the beginning. That's a strong word. You know, he would get mad at me and like throw me out of the house. What the f f f***? Wait. But he had kind of this idea of like any male that I had a conversation with or that I knew. Oh, this dude's weird. Yeah.

I was able to negotiate with my credit card to pay off $500 a month for five years with zero percent interest and close the account. I received the cease and desist for my ex boss for what I said on the show. show. I've been working my new job. I haven't cut my frivolous spending completely, but it has gotten better. Let's the cease and desist. Yeah, I do remember that. You did email us about that. Hopefully that goes all well. Let us know if you need any help because you really didn't say anything too, too pungent for what it's worth. You know, we can work with you and help you on that. But I know that was a complicated situation. Say hello to your husband, who I went to school with, and, you know, we didn't even know that. That was a fun little thing that we found out in the

post show. But hey, listen. Negotiating your credit cards is pretty good. Make sure you're actually changing your behavior, though. Don't take that as a shortcut. Don't take that as a win. It helps the progress, but take it seriously and keep going. Are you feeling overwhelmed by your financial future? Whether it's planning for retirement, saving for a home, or managing your investments,

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saving to investments and tax strategies. What impressed me the most was a personalized approach. There's no cookie cutter solution. Instead, they create a customized plan aligned with your specific goals and circumstances. And the best part, you can start with a completely free strategy session. No preparation needed, no commitment required. Just the opportunity to sit down with a CFP professional who's legally bound to act in your best interest once you become a client and discuss your financial future. Domain money will help me develop clear strategies for my future real estate investments and identify tax saving opportunities I hadn't considered. If you're ready to take control of your financial future, visit Domainmoney.com slash Caleb

or click the link in the description to book your free strategy session. Caleb Hammer is a current client in Domain Money and has received cash for a free plan as compensation for this endorsement, and therefore has an incentive to promote domain money. See important disclosures at dm-n-m-n-n-y.com slash co-slash-X. Hi, my name is Sylvia. I'm 50 years old. I'm from Houston, Texas, and this is financial audit. A year at least, probably longer.

Okay, so after that, why didn't we save up a full-year emergency fund if we knew that was a reality in our situation? Why are we going into debt for that? If this was the thing that was ongoing, and the good times, So don't we prepare for the inevitable rain that we knew was coming from a living in a historic rainy place? Yeah. No, I've never had an emergency fund. You've never had an emergency fund.

I was a single mom for 10 years. Congratulations. Get an emergency fund. I don't know. No good reason. Woo. Good job, but get an emergency fund. Okay, so 180,000 you didn't pay taxes.

So we owe back taxes. But for the sake of future taxes, are you at least setting just 25, 30% as high? I'm hoping to now yeah no I haven't been fun fact we're in the 10th month of the year so I don't think the IRS listens to laughter and allows that to be settled that from the previous year it doesn't like enrage me by any means it's like you're just putting yourself in a harder position for a good intention and a good heart I mean I like that that's that's wonderful but it doesn't work for you right now. It's not necessarily an option.

How much is your current rent? 2550. Oh, it's expensive. We are at 63,000 hours of unpaid taxes, but that's incorrect because you have two years, 2022, 2023, and we're going to have 2024 of unpaid taxes. Probably going to be like 120-something thousand hours of unpaid taxes, which is insane.

Why are you in debt for TikTok shop? Because if I can pay it out, it just is better. Huh? I just want to pay it out. What is pay it out? Like pay it out over time. You can't. Your minimum payments are stacked up.

Everything is so stacked. Oh, whoa. That was the end of the debt. It is. Unless is there more debt that I have not talked about. I think we're missing one. Oh, good. What is it?

I recently had to do a loan because I had to travel for work. You said it gets paid for. for. It does, but not ahead of time. And then you never pay it off anyway. You just spend it on you. I have now paying off $10,000 in debt and following a serious budget, but my daughter is still not speaking to me, so

I lost that relationship, which is a huge loss in my life. The depression of not having one of your children during the holiday is real. That said, I've heard from people that it was a good episode and that it probably helped a lot of others in my same situation. Hey, you are uploaded during Fastack Week. We all love

you. You're one of the nicest, most kind people and I hope everyone in the audience liked you. I think they did. I think it was a very positive comment section for that episode. Paying off $10,000 since then is incredible. Like seriously, incredible. I'm very sorry to hear about the relationship thing though. And that is a big loss. I, you know, just hopefully time can heal some wounds there and, you know, you're able to get back into each other's lives. And, you know, I'm really sorry, especially in the time of Christmas and or whatever you celebrate is. I know that can be really difficult.

But yes, it was a very good episode, and I'm sure a lot of people related to it. And I am so happy with the bargos you made. I hope that everything ends up being okay in the family situation as well. I'm Rachel. I'm 23 from Dallas, Texas, and this is financial audit. But the financial situation... Did he break up with you or did you break up with him?

He dumped me. Okay. Why? He ran into his high school crush. Okay. Don't like that. Yeah. Yeah.

I mean, there's certainly responsible. two month old. Yeah. Yeah. So that sucks. I'm sorry to hear that. Child support? Just splitting.

Again, you're not. You pay the bill. Yeah. But so whenever you do the math, like based on his income. Yeah. Whenever we split, he was paying me more than he would have on child support. Why aren't you so much credit credit? The tattoos. The tattoos. I put, okay. The first one we're going to look at is $8,6,6,000 minimum

payment. That is all tattoo debt. That's all tattoo debt. Not all of it. Not all of it. I've put about 10,000 on tattoos in the past year. In the past year? Yeah. Well, now I know I've said it. That's insane. Yeah. $10,000? Yeah. Yeah. It's not a we're dropping our kit off and I'm running late to a meeting. No, this is every day at this point, or at least every other day. Yeah. So it's, It's not just that I was running late for a meeting so I stopped. You're endlessly doing it. Yeah, I have a coffee problem. Then make it at home and chug a f*** pot.

I was on the show back in June 2024. I'll go over some of the finance updates, then life or whatever else after. I broke down compared my finances when I was on the show versus now as well. A few things to note, I haven't gotten any new tattoos. I invested more time to therapy, paid for by my employer, and have gotten to a way better mental place. My financial issues were rooted in my mental health struggles. I literally did not care about debts at all

because I didn't think I would live long enough for it to matter. I've gotten a lot better before being on the show, but since then I'm doing way better. I sold the aura ring and used the money to pay off the affirmed balance and the extra money paid off a different affirmed balance. I no longer have any pay-in-for type loans. These have all been paid off. Additionally, the debts that my ex pays for, bed and couch,

are way closer to being paid off. The bed, or firm, is paid off, and the couch, credit card will be paid off in February 2025. I did accept the loan for my dad to pay off one of my credit cards. He loaned me $3,500 and I pay him back $90 a month. But I did have to use the car for emergency medical expenses for my son. This prompted me to start working on my emergency fund, which I didn't have it all before. I also switched insurances with my company to one that has an HSA fund, with company.

match. I do not use the card regularly, but had no other options when these medical expenses came up. I did some automatic payments set up for my Apple card, which I've canceled. I didn't even know they existed, but it was an annual charge. Frowny face. I canceled that membership. I canceled that membership. Again, I don't use this card regularly. I refinanced my auto loan from 12.45% APR to 10.35% APR. I intend on refinancing in a couple months, expected to bring it down to 8%. Generally, everything else has stayed the same. I moved, which lowered my utilities a bit, but the rent and fees stayed the same. My ex and I are discussing a change in childcare to save us both some money for that as well, but that's still a work in progress. I'm still paying minimums on credit cards

with the occasional additional payment when possible. She then let us know about her son's hospitalization and some of the costs associated with that. I've been trying to get a second job, but once we discussed the schedule, they back out. Unfortunately, my dad's cancer has gotten worse and my mom's overall health has gone downhill. So I don't have any family who's able to watch my son while I work. So, because of this, I'm going back to school for my bachelor's degree in IT management. I start back on December 1st, and hopefully this degree will help with future financial growth. I'm paying $0 out of pocket. Education is completely covered by a Pell Grant. Because I'll be enrolled full-time, my federal student loans will be in deferment while I'm at school. My private

student loan will have a smaller monthly payment, $100 a month, which frees up about $170 for me to towards my other debts with higher interest rates. Now, the big update. I filmed with Mr. Beast not long after the show, and I'm not entirely sure the portion I filmed will be aired. Keep an eye out, December 19th on Amazon Prime. Given the fact that I can't discuss the Mr. Beast stuff yet, and so many of the variables in my financial life are still up in the air,

I'm holding off on a follow-up episode. Once I get my raise and pay off a bit more debt, I will be happy to go back. Still have a hammered financial score of zero, but I'm working on it. Thank you for the huge update. I'm happy that things are going well in general. That refinancing, it's not like the biggest refinancing, but, you know, I guess if it's down to 8% from the 12, I don't, it's a repeating narrative throughout this episode.

I don't want you to think that that is the progress. I still need you to absolutely obliterate it because even if you get down to 8% that is still not considered a good load of my book on a depreciating asset. If we're talking about what's actually accumulating in the market on average, all up years, down years combined, it's right around 8% historic. So listen, I am happy that in relative sense, we are seeing a positive update on your end. But I don't, I just, you know, I just caution on that viewing that is a win. But keep on. Hi, my name is Abby.

I'm 36 years old from walks to hatchie, Texas. And this is financial audit. It's a, no, it's not. It's a bubble. It's a. That's a kid's toy. Guys, we're going to retire success with a couple and pay for our kids' college. is our kids college. Why?

Hope. Oh, his kids probably won't go to college. Huh? His kids probably won't go to college. Are they not your kids too? Okay, I guess they are my kids. Why? What are you calling them stupid?

No, they're just, they don't look at, they'd rather do service jobs. What are you saying? I'm just, I don't know. That's not something you have to go to college. No, you're saying something. What are you saying?

They, so long as his kids? Your kids. kids. What's wrong? I mean, they got their own issues. You guys get along? We've had multiple issues about like his spending and his finances. And that's why we just don't talk about it because.

What are the issues? I mean, his spending. Okay, but you said multiple problems. What? Oh, did he lie about his debt? Yeah. And like how much he was actually making. Well, I do now.

Like we've, you know his debt. Well, not fully. But why weren't you making payments in general? You've had a job. It was like $600. It was really.

Yeah, because that's your payment. I know. And you're an adult. What are you doing? So again. So again, we just have,

we literally have another reason. Why the mortgage shouldn't be behind. Mommy and daddy were paying for it. Well, that was back in January. But still, you just, you've given me.

A second reason why we shouldn't be behind. You're making this so hard. Why punish yourself this way? You're making your life so hard. You've destroyed your life. You have destroyed your life. And I need that to be clear. I'll feel bad about it.

And it's okay for you to feel bad about it. But I need to be crystal clear that you have destroyed your life. And the reason why I need to be clear about that, even if it is brutal and makes you feel bad, is because I need you to not destroy your life again in the future. Because what you have done up until now is not put yourself in any position of any goodness. I sold all my inventory from my side hustle of selling Hello Kitty items and use that money to pay off one of my cards and will put the rest in savings. I called on my Bank of America credit card and settled the debt down to $10,000 and we'll pay that off in six months.

I am still working at getting better with budgeting, but I have been making attempts to really, buckled down on excess spending. Dude, you were just on the show, it feels like, and this is incredible that so much has already happened. I'm glad you got rid of those hello kitty items and everything. That's crazy. But settled down to $1,000, paying that off in six months. You better actually pay that off in six months, and that you're getting better on budgeting.

These are good signs. So just pay that off in six months, and I want to see proof that you did. Hi, I'm Maya. I'm 24 years old. I'm from Vista, California, and this is financial audit. Honestly, that leads me to your hobbies. I never get like a hobbies point. I have notes here, and I never have like hobbies.

I don't go look through the hobbies, but what do the hobbies read? Likes to eat out. DoorDash slash Uber Eats. Dating likes to buy people meals. Buying people gifts. Tattoos. Vaping. Probably not the best hobbies.

Cross the board. I mean. It's not bad, but the buying people meals thing with our finances. So we have debt, but those are our hobbies. Okay. A thing about that is I don't like when other people pay for me. So I kind of always insist on paying for everything. Why?

And it kind of feels that it's like something that can be held against me. Like, you know, okay, well, I paid for this. So now you like have to have to do with me. Or now I'm going to say, fuck off. I know. And I have a hard time with that. So instead I just insist on paying. And then that takes out of the equation.

Then I would say, you paid for me. Now I feel like less of a man. I deserve to be slept with. You immediately only started with what he did. Which again, out of the control. That's and that is a part of the answer. But what about what you've done? I went into a black hole of spending.

I went into retail therapy. I went into... Over when? When for what? Because of this? Like probably this entire year, at least. From like January up until now. What does that mean?

What does that look like? That looks like me spending $2,500 on a trip. Well, you know some of the things. You know some of your numbers. You think you spend more than you did. You know you spend more than you did, more than you made. So you know some things. Well, and review.

to change any of the behavior, so you have the knowledge behind it and the refusal to do anything about it, which to me pisses me off. I've gotten my three jobs and have been working them ever since the end of the episode. I've doubled my income, possibly plus a little more. I've paid off three credit cards, whoop, whoop, and I've stuck to my goals slash plans of cutting my expenses. I am three cards away from eliminating all my credit card debt while consistently making payments toward my student loans, etc. Once I am there, I'm going to begin saving up for an emergency. fun. I've started therapy as well on a regular basis. I had started during the show

but forgot that included in my episode. Overall, I'm making small but good steps towards my goal. I have also cut financial ties with my family. Ooh, three jobs and just going and going and going. Good job. I definitely love to hear that. Three credit cards as well.

Like, these are, these are the big wins that I am all about. Then you'll get your emergency fund, then you'll get your retirement on track. Listen, small steps. are big steps in my book. If you're actually making it towards the goals, that is what matters here. This is a show about progress and growth, learning from our stakes, not beating ourselves up from the mistakes once we start going forward and actually making progress and making our lives better.

And you are doing just that. And I am very proud of you. So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Horse Careers offers a practical, affordable way to launch a career

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Start with their free intro course, length in the description, to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and course careers is here to help you shape it. Hi, my name is Elena. I'm 34. I'm from Edinburgh, Texas, and this is financial audit. So you make 2,000 hours a month. How much do you spend?

Well, I need help, Caleb. Well, no, that's why everyone's here. That's not a cop-out. Whether it was a conscious, it was a conscious effort, whether it was a full frontal conscious effort of, I am going to go get McFri's over my child's future. No, but in there, you still made the choice to do it, knowing that you were going to stop paying out of debt in order to get a McFri. I don't care what you did two days before the show.

Two days before the show is nothing. That's a scramble to look decent before you sit at this table. That's nothing. It's the actions that we've been doing for months, for a year, for a decade. Those are what we break. And so no, I'm not going to sit here, give you a high five for that. I'm not. I'm sorry.

It's just that's not helpful to you. It's really not. It's not. $20 fee was 1% of your paycheck. 1% of your paycheck. 1% and now we're up to 10 because we decided we didn't want to pay $20, but we wanted to spend $250 getting McNug. You don't know anything.

How much did you take out of your 401K? It was like $8,000. buddy how much you have not even the worst people on the show have not paid their reforms uh wow i didn't think that was the bad one one of the bad ones if you put 20% down on a car and it's a three year loan and you can't afford the minimum of your payment or it's more aggressive than 8% of your income you can't afford it stretching out the term does not mean you can afford it paying it you're recruiting food freeze food fees are all because of you and your your actions and your spending and your lack of discipline and your inability to budget or have any sense of maturity in your life or care for your future or child's future financially.

That is not an answer. This is a podcast you give an answer. Okay. I'm sorry. No, no, no, no. I need to know why you fully recognize what you needed to do, what was wrong and what was required to get out of this a month ago. And you've done nothing until the couple days before you knew you were coming on this. table. Why? I've paid off some of my debt and have gone a second job as well. I'm trying my best to stay within my budget, but there's days where I've fallen off the wagon. I've also started meal prepping. Second job, paying off some debt. Things are looking good. I get it. Listen, it's hard. Sticking to a strict budget is very difficult. It's just the reward in the end,

I promise is worth it. Keep going. Find ways that keep. Keep going. Find ways that keep you on it a little better, you know, maybe reward yourself for hitting certain milestones. If that keeps you on the budget, listen, my philosophy has always been. And I know it's a little hard to see in an hour and a half episodes three times a week, but I am true about this. If it takes, let's pretend two years to pay off a debt with a hard, strict budget, having no fun with a 75% completion chance, but it could take two and a half years to pay off the debt because you're setting little rewards along the way to spend some money, and that has a 95% completion chance.

I'd rather do the two and a half years, okay? So don't be too hard on yourself, but also make sure you're holding yourself accountable at the same time and just set goals and expectations correctly and do it in a good, healthy way. Hi, my name is Heather. I'm 21 years old. I'm from Washington, and this is financial audit.

How do you feel living in that area on $2,500 a month? It's expensive and it's hard. and I struggle a lot, especially because I spend a lot of my mom's money. She's probably given me about 200,000 in the past five years. What? That's an insane amount of money. How does she giving you that much money? And that's five years?

About, yeah. And I work for her, so. Oh, what? make the money from her business and then she kind of gives me extra money. So you do nothing at your job, get paid some money for it, and then siphon $200,000. Yeah. Why don't you listen to her? And why doesn't she stop you? What? I'm so confused. Honestly, I don't know. Um, I mean, I know why I don't stop. Why don't you stop then? Um, why don't you stop being a selfish speech of crap? Because I like to shop

Um That's worth Just taking advantage To your mom being a disgusting human being Bottom of the barrel trash Washed up on shore Needs to be thrown back into the depths of the ocean You'd rather be that

No But you are what do you mean You just said I'm not stopping because I want to shop Shop and yeah You're spending's ridiculous What do you mean? Honestly I don't know That's not an answer

That's not an answer that is not an answer. I guess I kind of just struggle with the whole like stopping myself from buying stuff. Like today I bought a whole new outfit for the show. The show about not spending money. Yeah. What do you do? That was a.

Shouldn't even be wearing that hell. Self love. You're not self-loving. You're just destroying your mom's finances. You're not self-loving. I'm sorry, I had to interrupt you. Rewind for a second. What are you talking about?

You're doing better. You spend $500 going on to eat. What are you talking about? Sometimes I go to more expensive places too. Like, my husband and I will go out to restaurants. Also, dude, just your miscellaneous bullshit category, which we're going to go through so much spending here in a little bit, is $2,598.

It's literally what you $94 dollars more than hits your account on a monthly basis. So the rest is borrowed through mommy? Yeah. Borrowed. Wow. This is insane. And I think, I can't remember what degree I was going for. I can't remember if it was just straight psychology or if it was applied behavior analysis.

But I was going through for one of those there. And I can't remember why I let. I ended up falling behind and left that one too. So you can't remember why for both. Okay, that's great. That's going to prevent us from doing it again. I need you to like separate from your mom somehow. I need her to like stay alive but not in being like not.

I just need to like to, you need to not be able to have access to her somehow. This is like, because I have no problem with someone helping someone out. And I have no problem with asking for help either. But what she is doing and taking care of you and babying you and doing all this, you're never going to grow the fuck up or learn how to budget. to learn how to manage your finances, you're never going to be able to be independent ever.

And you take advantage of it so crazy. Dude, your mouth has never delatched from those. Dude, you are still right up on them. I don't borrow as much money from my mom anymore. And I do pay her back when she lets me. We live on a base so our housing and utilities are completely paid for by the army. Glad to hear you're not borrowing that money from your mom. Um, and that you pay her back when she lets you.

I'm 100% sure what that means. But now that your living expenses are, you know, down, let's redirect that, pay you back all the way and actually take control of your life, okay? Hi, I'm Vanessa. I'm 42 years old, and I'm from Round Rock, Texas. This is Financial Audit. Just to let you know, I don't know if this is going to impact anything or not, you know, but my finances are worse now than they were when I sent these statements.

My finances are worse. And honestly, a little stunts. to hear that because how can they be worse? Because the spending on these credit cards is some of the most insane, it's some of the most insane spending I've ever seen on active interest accruing credit cards ever. And then to come in here and say, my finances have gotten worse, worse. I didn't know that was possible. So I just wanted to call that out because the audience wasn't here for the pre-film

conversation. How long have you guys spent together? Probably five years, six. Marriage on the horizon, that's a while to be together. We don't talk about it. I'm not... You know your salary, what came in? Do you not budget?

Have you never looked at an account? I try not to. How much came in for sake? Why would you possibly spend $9,000? This is not about looking down on your job. It's not about looking down on your income. It's not about looking down on your life. It's not about not knowing how much comes in.

It's about the fact that you spent three times your income. And then you tell me it's actually, worse now. Your financial situation has gotten worse now. So tell me, why would you possibly spend $9,000 when $3,000 comes in? Hmm. A lot of work. You are a child. I hate. You are a literal baby. Totally. Come on, like legitimately. Sounds like too much work. What do you mean? You call. Do you have a phone? There it is. Google. Call. This is easy. It's probably on the website. Are you serious? I guess I need it. I guess it's true. I guess it's true. Or you potentially wane or you potentially get on something else or you potentially see a therapist on a weekly basis.

So you develop better coping mechanisms around this. This is simple stuff. Is it? Also, millions of people have ADHD. Doesn't mean millions of people live like this. Yeah. I live like this. Yeah.

Then they forgive the rest. No, well, it's more. It's definitely more than that. That's just what I saw recently. It could be closer to 80. It's all convoluted and. ridiculous and it's overwhelming. Oh, I was just trying to type something in and I believe I heard 80,000.

Yeah. The fuck are you. What are you talking about? You said 20. How? 20. You have no respect for money. I deleted my free people app ban reinstalled.

Order two more things. Felt immensely guilt and have since stopped shopping in general. Paid off about $3,000 in debt since the show in late October. I made an appointment to seek therapy with an in-network doctor. for early January and I'm back on my meds currently. Signed up for an IDR plan to pay off student loan debt, but have yet to utilize the help offered from the show. I will be looking into that financial stuff soon

when I feel more stable and prepared to move into that headspace. The BF has been holding me accountable to my spending habits, so I'm not shopping. I've caught up my credit cards to stop accumulating more debt. To leading free people is the best thing you could have done. That was the most insane thing I've ever seen. That was crazy. $3,000 in debt for an episode,

just filmed is absolutely incredible and that you are seeking a therapist is great again we can connect you three free therapy sessions i don't think we had that in place at that time we're always trying to grow our resources list for our guests and for our audience so things are great the income deferment our income-based repayment you know we'll see how that works with the new administration you really never know kind of depends on the department of education uh whoever's leading that and also depends on what the supreme court says uh which they're likely going to hear something on these income-based repayment plans. So mostly because of the save plan, I do believe.

So keep your ear to the ground for that. But keep up this progress. This is really good. Hi, my name is Ellis. I am 23-year-old from Dallas, and this is financial audit. I got coddled a lot, like in my adulthood. And that's one of the reasons why. Why who?

My ex, typically. Your ex, okay. Yeah, a lot. So when I moved, because I failed out of Baylor, came home, went to community college and then I moved out to Arizona. He coddled me a lot in that aspect because I was doing what? I was going to school again. Yeah, what was coddling? Come on. He would pay my rent because I was not making enough money to live in Phoenix. It sounds like you're just trying to take an excuse for why things are bad today and why you're not doing well now. I think I think he is to blame. I'm going to

be honest with you. I think he is to blame. The fuck are you? What do you mean? Do you have no ability to self-reflect internally and take any kind of responsibility? We've barely even looked at your numbers yet, but that's insane. Credit score will be 600 by February 2025 and I started paying on my big college loan. I'm glad to hear you started paying on the big college loan. I wouldn't have expected anything too big because, again, we just filmed with you even sooner than the last one that we were talking about. So credit score being 600 by February, yeah, that's not my biggest goal for you. It's mostly actually taking control of those big debts. And if you've started paying on it, that's a good start. also let's be pretty pretty uh pretty strict and uh get your butt back on here in like five months and let's see what's happened my name is ethan i'm 24 i'm based out of houston texas and this is financial audit um so i'm a day trader currently um wow you must be doing okay then i it's it's complicated do you live at home uh i live with my aunt currently for free uh no for 500 bucks a month but you've taken two up

how are you paying for that so i've i've liquidated a lot of my assets over the last couple of months um 24 whatever you're taking away all the compound growth in time that you have on the future of your life what what assets so i oh no i'll i liquidated my roth uh first of all and then my roth i roth i had a personal one opened up at some point and i wonderful yeah let's do that our tax advantage account something that would be tax free by the time you're 59 and a half. Do you know the statistics around day trading? I don't. But I didn't pull from it just to pay for trading. I pulled for it to pay for rent. Wait, you've been on and off for four years and you've only ever taken out four dollars?

I've taken it. I've taken out. I've made about three, four thousand. But I've only taken that's enough to survive leanly for a couple months. No, what's your account at? Which account? all your day trading accounts is about $500 profit right now no no no no what's the balance buddy 50,500 okay so you're trading with 50,000

okay yeah so obviously you can day trade because you're over $25,000 in your account which is required to have in order to make more than three day trades it's not mine though the 50,000 isn't mine uh explain that so uh the 50,000 is

it belongs to something called a prop firm so I paid $50 for it and then another 100 to activate it. And there's no loss liability though. So if I blow the account, I don't owe them anything. I, yes, I was behind last month. No, what were we smiling about? Is that funny to you behind on bills?

It's a reaction. Trying to control it. Okay. So you were behind on payments, but you just caught up because you were able to sell an NFT. Yeah, it was. kind of a last resort and I didn't know existed until I... You didn't even know you had it?

No, I didn't know. I didn't want to sell it. And then I just got to the point where I was so behind that I kind of had to. What is our plan for income? Is there another NFT waiting? No. And we know that you can't deal with at least a single responsibility in your life. And I especially can't deal with them when I'm dealing with everybody else's responsibilities as well.

I'm sure it's a big load of bullshit on everything you've said this entire conversation. I mean... Because you've lost all reliability as a trustworthy person. You can believe what you want to believe. I mean, it is the truth. It's impossible not to believe that after this entire conversation. Come on, we're 40 minutes into the you fucking around and being a child. Yeah.

Come on. Run in life, not in this interview. But I mean, you're actually, I mean, you're giving me what you think. But you are a literal baby. You were like just born. I know, I'm insulting you. And like, but I don't give it. Like, I mean, it's, I'm kind of disgusted by your existence.

Like, I, I, I'm a joke. It's been five months. In that time, I'd quit multiple jobs. Begin door dashing full-time, was forced to find new living accommodations, took a trip home for a week, continued donating plasma and working on my day trading. Got even more behind on most of my bills.

My credit card probably got worse, but starting this next month, I'll be taken some decent-sized chunks out of my debt to hopefully be debt-free sometime in 2025. I don't think I missed anything. Things got slightly worse after my episode, but they say things get worse before, they get better. So we're close to getting better. Oh yeah. I also roped one of my friends into day trading

and he's making about five times more than I am because I'm that great of a role model. Why have you quit multiple jobs and being forced to live and new things and roping your friends into day trading? Listen, they're doing well for now, but there is no guarantee that they will. This is a disappointing update. I'll be honest. this is what happens when we film four to five times a week. We're going to have people that do well and we're going to have people that do less. Our method has been proven to work and we're going to share information. I'm going to share information at that at the end of this episode. But even with the ups and downs, even with more ups and downs, there are downs. And I don't know. You might need to come back on. Reach out, come back on. You might need a good slap in the face. Hi, my name is Will and I'm 35. Hi, I'm Hannah and I'm 35. And we're from Gerald, Texas. And this is financial audit. You don't trust her, your wife. You don't trust your wife. Well, I mean, I trust her.

It came down to. Yeah. Okay, maybe that came out wrong. But, I mean, I have, I think, insecurities about... Based on what? Based on, I mean, I think that we have a different idea sometimes of wants versus needs, I think. We might disagree on what type of furniture is needed for the home. But I think that home...

Home environment is important. Important is different than need. I know. Need is survival. I think that to mentally be okay, a home life needs to feel homely and not barren. So if we could loop on to that really quickly, not to try and divert away from the fact that I believe that a house feels homely and it feels good. And that is an important need for we have two children. I feel that I too don't cannot trust.

Okay. If we combined. She specifically chose not to watch the channel. Yes. You wanted to come on. You pushed to come on as a couple. And you didn't want to see anything because you wanted to be surprised. Yeah.

Which is, I mean, that's awesome, by the way. That's like brave as it gets. But Chiquitos here is typically stopping at a gas station getting some bullshit purchase. Got it. Because we don't know what it is. And there was this guest who refused to give up literally. getting tequitos for dinner every day. God.

It's an inside mean. It's a doctor. I understand. Dr. Pepper, his tequitos. The doctor pepper. Because apparently we can't buy those in bulk of Costco. I do. I do that as well.

Oh, good. So. And over in abundance is what I'm hearing, actually, from this side of the desk. We have an overabundance of tequitos at home. You guys are just getting your wants. You're just flowing and swimming in your wants when the needs are just barely being taken care of. Luckily, you know, purchase is. about $52 and 52 cents of interest accruing on the city preferred card with a balance of $2,434.

So now we're at almost $13,000 of credit card debt. Only minimum monthly payment being paid on this. But again, I don't play more, much more important than a shell card. Yeah. Balance, $632. It's weird how that sounds good after your multiple thousands of hours on other cards. I feel like we have a cycle of cars constantly coming in. that's not even on this debt, which then occurs more debt because then we have to fix the card.

And on the GPO, $4,196 with a monthly payment of $204, what's the interest on this thing? It's like 20 something. No. Yeah. Because it, what does it say? Is that it? It doesn't have a rate. Yeah, it's not good.

No. Yeah, so it's in the 20s. It's somewhere in the 20s. It's like maybe 24. I was guessing. I knew about this. I love that you think I know about all this stuff. And yet you literally confess, you've literally confessed to not talking to me about finances,

not sitting down and talking with me and showing me any of these, not communicating very well, feeling overwhelmed. But I love that every single time I ask you about it, you go, you knew. Because every single time, you knew, you knew that, you knew. No, I did not know. I told you I, I mean, I've told you I paid $204 for the Jeep every month. I told you I to take out a loan. I, you, I, you.

It should be weak. I know. This is a disaster. Yeah. The biggest thing that is preventing us from tackling this

in the first place is the division. On my strict budget, $338,040 is what you have left over on a monthly basis. Okay. And that's not,

that's with her income. Yeah, it's everything combined. It's all of it. I'm saying like, we're walking into the summer. That's why I'm concerned. But you're not saying that we're totally,

thinking ship, just totally to put out of It's tough because it's like where our expenses are higher than our income during those two months in the summer. No, it's sinking but in order to patch the holes it currently takes 80 months to pay off our debt. So 80 months before you're allowed to have any paid for fun. Okay.

Like, come on, that's unacceptable. We're going to be in our 40s. Right. Yeah. Because that's a six and a half years. Right. So that's unacceptable and that's not even taking account that you, we are underwater in the summer. We started making progress after the episode, and we're really excited.

And things got really stressful as a result over the summer. We started going back to our old ways and lost most of the progress we made. We had a few issues with our cars. I ended up selling my Mercedes and Jeep, though I didn't make much profit. And after paying off the terrible loan on the Jeep, I used the remainder of the money to put down on a Ford Maverick. I have a car payment now, but I'm getting about double the gas mileage and I'm not spending anything on maintenance. I was previously spending close to $500 a month on repairs for the gold cars. My wife did end up getting hired at a new school district and is making more now than she was before.

Currently, she's driving about 30 miles each way for work every day and paying about $5 in tolls. So we're moving closer in January and downsizing. Our current house's rent is up to $2,158, plus there's about $250 added on for pet rent, HOA, smart home fees, utility management fees, etc. So it's closer to $2,400 a month. We found a house that's a few blocks from Katie's new school. So when it's nice, she and our older daughter can walk to school. The rent is $1,8,8,000, and there isn't any HOA or pet rent or anything like that.

So that should be a lot more manageable. Our younger daughter also got into daycare for employees, which is cheaper and includes lunches, so we'll be saving around $200 there. The other major thing that changed is that my wife and I really started looking at her mental health and talk to doctors. So she's in therapy now and I'm on antidepressants, which I think has helped with our need and cope spend. But we still have had some missteps. We had a couple of trips to visit with family and that ended up costing more than we were really comfortable spending. So we're recovering from that.

I was reached out to talk about a follow up, but I've been really busy with work because we do a lot of industry shows just before the holidays. I was in two other cities every week until Thanksgiving. I think after we moved, we might be able to if there was interest in having us back. I think we're moving in the right direction now, but we still have a long way to go. The real struggle is staying consistent and not making mistakes that set us too far back. And not making mistakes that set us back too far. Really sorry to hear that the contract wasn't renewed, but that you guys were excited and, you know, started making some progress. Going back to your old ways, it happens when life gets stressful.

So what happens when you don't have an emergency phone to cover those, those hard moments in life? So missteps, they happen, the copes fended happens, trips with the family. It's hard to say no to. It just gets really difficult in your guys' situation, man. I know the struggle's consistent and the mistakes are setting you guys back far. You really just have to hold each other accountable. Listen, everyone liked you guys. You guys are very pleasant people.

I'm happy to hear that things are going well with therapy and that mental health is being taken seriously. And get your guys back on here. Sounds like you might need it. Okay. Hi, my name is Brooke. I'm 28. I live in Austin, Texas, and this is Financial Audit.

that up so bad. Yeah. Well, I just forgot to pay it. And so then they closed it. And then I need to pay it. You have to forget to close it for quite a while. For a few months. Yeah.

And they reach out. Well, I never reach out. And you also have mail and apps. Yes. Emails and phone calls and things that operate in civilization. But it's easier if you just put it over there, you know. Put it over where? Where you don't think about it in the space where you,

where it doesn't exist. And I think that's kind of... Assuming it has credit, which is why when you go apply for these credits, you're not getting approved. Right. So, but the other payday loans do approve you because it's such a high interest.

So I've just been borrowing from myself in that manner because sometimes I can't make a payment at a certain time and I don't want the payment to be late because I don't want it to affect my credit. But the payday loans get paid off. What is your life? What are you? Also, I don't want to let go of certain opportunities,

like being able to go out and, Have fun. Have a good time. Why is that not in the budget? Again, you don't not make any money. Yeah. So why don't you put those experiences and things that you value into the budget? Or don't be in the budget.

Then you sit through the budget and then you do those things, but you do them in a way that you don't often have to borrow payday loans. I think. Why make a budget if you're not going to follow the budget? Well, that's true. And that's why I haven't made a budget in a while because I haven't followed them. Like two or three years ago when I was moving. So I think I went out a lot with friends and.

the experience is going out getting drink. Why don't you get a little, like, pregame? You're spending $1,300 more than you make a month. How can you afford it by drinks for other people? You're buying pre-day loans. I've done it. Huh? I've done it.

Yeah, via payday loans. Yes. She knows her numbers, dude. It is 609. I'm on it. But that's worse. Yes. That's worse.

Because you know it and you do it. Yeah, you don't have an emergency fund. Meaning if anything happens, you have a car, you drunk drive, you hit something. Guess what? You total that car. You're not going to replace it. that car you don't have an emergency fund something pops up something medical family a trip a trip because someone passes away you never know what happens an emergency is an emergency is an emergency

and you don't have a fund and you know how much you spend I'm going out of the you know how much more you spend then brings in but we say no how much is the speeding tickets it's like 600 and something oh wow those are expensive yeah well speed dumb that I stop speeding that someone who definitely doesn't well it's Texas I mean everybody speeds in Texas it's feral out here I'm inviting comedians on the show guys you don't have insurance yes but I'm I'm working on that you can get it in a 30 minutes how long have you been working on it it's really a while a while it's really expensive it's really expensive you spend $600 a month going out to eat you yeah I could

probably yeah put that to that what happens if you get in a car crash now because now you're not insured at all and now you don't have to an emergency fund. I drive a lot safer now that I got the tickets. I mean, I'm just saying. I only drive to the bars. I refuse to get an Uber. I got a speeding ticket for going quick and it's a $600 one.

It's going to go to collections before you know it. They're going to feel like, oh, I'm not getting my $4.41. Let me sell it for pennies on the dollar and then they're going to try to fight to get it. They've been calling me, yes. Yeah. But pay it now. Okay. No.

How much is in your chicken account right now? Like $78? How? You make too much money for that. How possibly? Oh, wait, I know, because I've seen your checking account. I'm going to die. What is your preference for your consumption of the nick?

I just vape, but it's only when I'm drinking. Like, it's probably after a night of drinking. Stop! Yeah. I'm starting a lot of money at the place you work at. I was $9,000. You are a toddler. You are a toddler in an adult body managing people somehow.

What kind of, they're going to garnish your wages. They're going to get their money through a worse way. They're going to take it before you see it. Okay. I don't know. What are you? Why do you think that you are entitled to that? Not entitled.

I just didn't want to, I just figured nobody else is paying it. What do you mean nobody else is paying? We're all paying. Oh. More savings. More savings. And situated a lot of debt. Now I'm just paying off student loans and car.

Can't wait to follow up. Love the more savings and situated a lot of. debt and paying off your student loans and car. Can't wait to do a follow up with you as well. Hi, my name is Paige. I'm 26 from Austin, Texas, and this is financial audit. I want to ask you this out of just legitimate, genuine, not as an insult. Okay. Are you dumb? No, I'm sorry, like legitimately. Are you not smart? Okay. Okay. You recognize, yes, I move around a lot, but most of that, That is like for travel for like fun things, that kind of thing.

And I can enter not being an excraving and spender. Did you just hear the things you said? Do you not even know what words are? For me, that's what's important to like to travel, to see things. Then what the f***ing are you going to do? There's no frugality in that. Do you not know what you're saying? Do you not want to know what any of those things even are?

Do you not know what things cost money? So. Do you have any point that has any kind of standing or is this all going to be bold? It's not bullshit. That was bullshit. And what you said before, that was bullshit. So where's the non-bullshit? Yeah, I have my bachelor's and my master's in economics.

What the, what the f... No way. Oh, you know what? The fees are enough. We better go ahead and purchase $2,612, essentially more than we make from our day job in a single month on a car that's accruing interest and getting damn fees. Does that make sense?

Are you stupid? What? I'm going to Switzerland. Oh, my, when? When? This is not funny. Shut the fuck up. In January.

Your life is on the line here, dude. And it's clearly all a joke to you. You don't give a fuck. Gosh, I'm sorry. I'm just being mean to you, but I do not like your personality. You are such a... What? There is no word to describe you.

It hasn't been invented yet. I need your bent. It's not a real word. made it up. Moisten bint and loved a cimitar at me. Because you qualify for that. You need a new word. You're a bint. You are a disgusting bent. Not disgusting, but you're a bint. Bloody peasant. Hainous bint. Still living, laughing, loving, and deading. I hope you're actually pin out some debt as well. Hi, I'm Savannah. I'm 25. I'm from Austin, Texas, and this is financial audit. So what is your financial situation? What are we looking at here today? I would say it's pretty

Bad. So like, okay. Your parents convince you both to open up credit cards. Yes. Okay. Okay. No offense, but this is not one credit card that we're going through. You also have like a really stupid card debt.

Did your parents make you get really stupid card debt? Not. Well, okay. So from that, they pretty much hadn't like no money. So they were just like here. So. What does your parents have any money have to do with it? It's your life.

You're an adult. Well, it's like... Do you blame your parents for everything? Well, right now, they're kind of like, they didn't really teach me anything about like... Oh, come on. No one gets taught the stuff. No one gets taught that in America.

Any money they can give me, I accepted. And I also did summer school. Did they mean, like, student loan providers? Yes, so the government student loans. And they told that to me, my brother, and then pretty much my other siblings, too. Like, oh, we don't have money for college. So just take out the loan.

loans and will help you pay for it after you're done with college. And now that those are back. Weird. I would love to hear their side of it, though, if they would agree that that's exactly how that transpired. I would say it's like not their exact first, but definitely like, hey, do the fast food, do this. And then we will pay for it.

We will pay for. They took out the parent plus loans. And they're like, well, what about the ones you took out? They said they would pay for it. They said, don't worry about it now. Wait to your graduate and then you can get a job. you'll be fine. Can you afford this?

I can kind of afford. Spoil alerts, late payments coming. Can you afford this? How the fucking, why the fuck do you have a Disney card? So ironically, we were at Disney and they were offering a promotion. We'll give you, I think it was at the time, like $500 if you sign up for a Disney card and you get approved. And I was like, oh, that seems like a good idea if we go to Disney. So I signed up and then they approved it.

And if you spend a certain amount, you'll get that money back. So then I spent it for another Disney vacation to get the rewards dollars. And at that time, my parents were also like, oh, we'll help you pay it back. This thing, would they, what, I'm just, I just need to know. Would they agree? Would they agree? If I called them right now, would they say yes, that's what we said? We said we will pay back all of her little debts if she'd take us out the debts.

They'd probably say yes, but. But, but. But they'll probably like, oh, well, she's a. adult she can pay it. $5,799.50. Are we blaming this on the parents again or what the fucking on here? That was me a few years ago

struggling to try and make it on my own and they sent a check in the mail and I was trying to pay rent. Oh no. And I thought it was a good idea. Oh no. Oh, it was one of those loan checks. Yeah. Oh. Obviously they wouldn't exist. People didn't take them out but I don't

think I've ever met anyone who actually took it out. That's wild. Yeah. That's wild. And instead of working more, this is the wake-up call that is critical. You could have put, you could have done, you could have put half down with the insurance money. You just, you went with a $20,000 car. Passed $2.40. What are you doing? So that one.

Come on, dude. I mean, this is just basic. Yeah. That one's going to be along with the other ones of, I'm trying to be. but by the time I could make a payment. You're not trying to pay. Again, $900 on $900. You're not trying to pay.

So I'm not, I'm sorry, I'm not going to allow you to. Bull yourself. Because you are not trying. Negative money. But we went and spent $500 on one. That was a slurge, so it's a salon. I was unemployed for a month. That set me back financially.

But I was able to get on unemployment for a couple of months until I started a part-time job at H-EB. Then I was able to get my contract back. Now I'm working seven days a week as a part-year-old. part-time baker at H-EB on the weekends and weekdays at my remote job with Apple. It took a while to bounce back from paying late fees and catching up on payments. So now I'm focused on improving my credit score so then I can refinance my car for a lower interest rate. So I feel more optimistic financially going into the holiday season and 2025.

Yeah, I know that you were dealing with a potential contract ending, but you know, unemployment you paid into it, so I'm glad you received it. But I'm glad that income is starting to make some. monies now. Improving your credit score to pay off your, or get a lower interest right on the car. I don't know if that should be the focus. Maybe just pay off that car,

but it's good to be optimistic. Maybe the goal isn't correct, though. Focus on paying down the debt instead of just refinancing it. That is not our ultimate goal here, people. I hope you guys enjoyed seeing where everyone's at these days. A lot of follow-ups to see. A lot of follow-ups have been posted on our financial audit follow-up channel. Make sure you guys just subscribe there.

We're going to be doing a lot of follow-ups. the year of 2025. But the exciting numbers that I said you guys would find out what they mean. Well, you stay to the end. So now you get to find out what they mean. It's exciting. I like to do an annual update of all of our financial audit guests from when we started recording two and a half years ago and see what the average and median debt payoffs are. See if what we're doing is actually working. See if the proof is in the pudding because we would change how we do things if it's not working, but good news, guys, it is. As of now, and this is, yes, some people actually making negative progress, but most people making positive progress, the average for financial audit guests,

debt payoff is $10,500 in 11 months. And the median, for those who want the median, I know you requested that last time, is $10,000 in 10 months. So financial audit works, ladies and gentlemen. You get to show up here every Monday, Wednesday, and Friday, learn some things, get out of debt, stay disciplined and also be entertained. But we are seeing real progress and tens of thousands of you. I have heard from you

and you are making actual changes in your life for the very first time.