Financial Audit - Professional Victim Is Pathetic | Financial Audit

Episode Date: August 9, 2024

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. You guys were purposely dodged from the repo man. Yeah, we were. Well, you know how this works. They're going to sell for what they can and then you still owe the rest. Yeah, dude, this doesn't go away. That's actually news to me. Bar that you have to cross is so low.

I think I'm just scared of, I don't know. Work? I guess so. Pay your bills like an adult! My name is Isabella. I'm 21. I'm from Houston, Texas, and this is financial. audit. So what do you do for a living in Houston? Uh, okay, right now I work front desk at a pure bar.

Pure bar. Yeah, it's a fitness studio, um, mostly for like, like a bar. Yeah, like a ballet bar, how you like hold the bar and yeah, but it's not even. Oh, okay. But you do the bar, you do that? Yeah, I just kind of, I just work front desk. I don't, I don't teach or anything. Yeah. Okay. Okay. Okay. And how much much are we making doing that job? $12 an hour. And I work about like 15 hours a week, maybe. Maybe. So how are you?

I mean, this explains the first document. Okay, well, we'll get in that in a second. How are you surviving on that? I'm not. I'm really not. And what are you doing? Like, what are we doing in general? And what is happening?

Okay. Well, I, most of that money. kind of just goes to food. I don't pay for groceries most of the time. I pay for like picking up groceries or like if we need like something in the house. But my mom mostly pays for groceries whenever we go. Okay. So you live with your mom.

Yeah, I live with my mom and my brother. This, your fuck car is a hundred days delinquent. Yeah. How do you even? So, so. Like you're not even paying, but remind me, hourly rate because I didn't write it down. 12 bucks an hour.

Okay. First of all, that has to be pretty low for the Houston area in general. Because even like I just looked at the median, like I gathered a bunch of information for the Austin area. I know Austin's, you know, a little more expensive. The pay is a little higher here. But the median of all the lowest wages I could find in Austin was like 19 bucks an hour for like the, you know, McDonald's and cilantro and places that are just like food service.

Right. It was the median lowest. You know, a couple be lower, couple be higher, median. 12 hours an hour. Okay. It's because you wanted to work in this industry or else you could be making 15, 16, 17, 18. Yeah. Doing something else.

And more than 15 hours a week and your car is 100 days delinquent. Yeah. This is going to be taken from me like any time. It did on the 4th of July. Okay. How did you even get here? Yeah Yeah

Oh your friends That's why they're here Because you're friends Okay So your car's repo right now Yeah and I can't afford to Get out of the repo Because it was like

It was I think June was the fourth month Is it the payment that is due here To get it back? Or have they come to some kind of agreement There was some I wasn't even there for the phone call My mom called them And they told her

Because you're not an adult Yeah Well you can't be on the phone call for your own. I didn't even... You have to let your mom take care of everything? I didn't even know she called them yet, honestly, until she let me know when I woke up the next day

and my car was, or when we woke up on the fifth, because no one was open on the floor. Why didn't you been paying your payment? Why haven't you been working? Why haven't you been bringing in money? Why haven't you been doing any basic responsibilities? You took out the loan?

Right. I, honestly, when we got the car, I thought it was going to be like, A-okay. And my mom was like, oh, just give me like $100 every month. And, like, that'll be like, your payment yeah wait what what are you talking about why would it go to your mom my mom co-signed on the car

but what would you give money to her and then she makes the rest or something yeah that's that was like our agreement not very well how have you had this when did you get the car in 22 September I was after a wreck so for two years you did it yeah so almost what is happening now I feel like we were behind like the whole time and it was just a game of catch up what is this car it's a it's a 2020 Nissan Ultima Nissan Ultima. Oh, that was one of my first cars. Yeah. This is only

my second car. So I feel like I'm doing okay for like... What the fuck? You're talking about doing okay. You just got your second car repo. Yeah, that's hilarious. Well, my first car was wrecked. So I had to get the second car. Was it wrecked because of you or someone else? No, it actually was not my phone. Okay, so I'd say the second one's worse then because you lost it. Yeah, and the first one didn't even have a note.

Who was able to pay bills or have any basic responsibility. Yeah, for sure. I thought it would be okay. I wouldn't blame you for having a wreck that wasn't your fault. Right. So I think the second one's worse. No, for sure. I didn't honestly understand how like steep it would be.

Steep what would be? The car note. Because I never, my first car note, I didn't have one for my first car. It was a cash car. So I didn't have to worry about that. I just had to pay for insurance. But since the car note, my car note was $5.91 something a month. I don't even make that in a paycheck.

I was going to say, like, what even hits your account? Income that came in. Payroll, $5232. $532. Make nothing. Yeah, that's not even enough to do my car note. Whoa, whoa, whoa, whoa. You make nothing.

How are you, it's because you live at home and your parents get groceries, but even this car. Yeah, pretty bad. That's f*** up. Yeah. 2020 Nissan Ultima I think that's past when their transmissions used to just go absolutely insanity Yep

And we had to replace the transmission to like Wait, what do you mean you don't know Like if there's any kind of agreement To get it back some kind of price agreement Or if it's this because your mom had the phone call On the 6th On the 5th Oh she had the phone call on the 5th

Because the car got repaid on the 4th Yeah So how have you not asked your mom So you depend on her for everything else Can't ask her a question? Well yeah she told me that the car was going to be like 3,100 to get it out of repo and we couldn't refinance it. Yeah.

And we couldn't refinance it either. So we still have to pay like the $600. So we literally, we just went to the lot and just got my stuff at the car and they're just going to do whatever they want with the car. Well, you know how this works. They're going to sell it for what they can and then you still owe the rest. Yeah, dude, this doesn't go away. What, you think this is some magical thing? Can we look up what it used 2020 Nissan Ultima is?

Just do like basic across the board. That's actually news to me. I did not know that because I was like, oh, we can just take the money that we were or like save up the money we were going to pay and just fix my mom's truck and use that. That was like the plan. I honestly did not know that it would still have to get paid like the, I guess like the $3,000. I had no idea. Until literally just now. That's crazy.

So here's how the process works in general. This is just a normal, just regular lot of the gate process. Right. Due to the sale of the car, they'll sell the repossessed car, usually at an auction to recover some of the money owed on your loan. The proceeds from the sale are applied to your outstanding loan balance. However, cars sold at auction often sell for less than the market value, obviously. And the amount may not cover the entire loan balance,

which is what I was telling you in terms of you will still owe things. The sale price of the car is less than what you owe on the loan. The remaining amount is called a deficiency balance. You are still responsible for paying this deficiency balance to the lender. Collection of deficiency. The lender will usually contact you to arrange payment of the deficiency balance. If you aren't able to pay, they may turn the debt over to a collection agency, which, yeah, or take legal action because they are entitled to, but just sometimes they don't

because it's expensive to go through. Might not always make sense. And obviously the credit. Right. And, yeah, again, they can come after you. you for legal. They could sue you. They win the lawsuit.

They can potentially garnish your wages or place a lien on other assets. I don't think you have other assets. Oh, oh, that's not true. Your mom co-signed on it. Oh, yeah. They could go after her. Yeah. Yeah.

Probably if we don't pay, I guess what we have to pay now or whatever is left. We're still getting a value of a used version on your car based on the detail. We took a moment and we got some details of the car. And again, and actually they are typically sold less. So you're still going to, oh, okay. Let me just get some basic information here. So the car itself, the remaining loan on this 2020 Nissan, Ultima,

what was the normal minimum fee payment? 591 and some change. I'll say 592 then. And you owe, kill me. I mean, for your income, this is insane. Were you ever making more than this? And you got a $25,000 loan. I know you got a bigger loan than that,

but it's currently at 25,171. That's insane. Yeah. Why did you and your mom, why'd your mom even agree to support this? I honestly was following her the whole time because, I mean, I never bought her before. Is she poor?

I mean. Like legitimately just in the, like, would we, when she sits down and thinks about her financial situation, she like, we're poor. Yeah. Okay. For sure. This is not usually.

the people I follow, for example. She's your mom. I'm not saying don't follow your mom's guidance on different things. She might be very knowledgeable on a lot of things. But usually if someone is not doing very well in a specific area, that's not the person we follow. But again, I understand the relationship. I understand that I can get difficult and can get complicated. But she was just leading this whole charge?

Yeah, kind of. I mean, I just kind of trusted her. She bought me my first car too, but I mean, I guess it was less like bank responsibility because it was just bought with cash. Yeah, how much? Like 8,000. It was a 2008 Mazda 3. And she got it in New Mexico because she is a, she's a travel nurse. Why did you guys decide to get this?

What was the logic behind this? Because this is insane for your situation. Literally insane. Yeah. And then she's failing. So she said, give me $100 and she'll take care of the other $500. Yeah. Well, why did she start failing to do this?

Again, that's also why I asked if she consider herself poor. Because also, once you just consider yourself poor, you're all of a sudden in the victim mentality of just, the never-ending cycle of it as well. Right. Which is a real thing. But once you're just fully acknowledged and you're just like, okay, you know, I'm sorry guys, I'm fucking, I'm fucking everything's just right. So because of that, it's just like, I wouldn't trust her to make a $500 payment,

usually in that kind of mindset. So what happened? Honestly, I thought about that too because there's been like other financial stuff where it was kind of like, you know, just kind of trust me, we'll figure it out. And I'm like, okay, mommy. But, uh, yeah, I, that's probably, I don't even know. I really was just following her like the whole time. I was your relationship with your mom. I think it's okay. It's, it's some rough patches, but like, it's okay. But she said she would take care of this. Not saying she's morally responsible to, but she actually is because she co-signed on it. So it's a little weird. But,

well, at least legally responsible. Well, she did kind of. have agreed to something because she didn't do it, you're getting free, you don't have a car. Yeah. How are you getting places right now? The last week and a half week. Well, the last week I've been at home because of the hurricane just hit Houston. So nothing's really been happening. I'm also like, I am like a active dancer.

So I'm on a team at a studio nearby. How do you get there? Well, I would drive there, but I haven't been there since. Okay. How are you planning to get there? Well, I live like five minutes nearby. Okay. So you're going to walk or biker.

Yeah. Like if I have to walk, I'll walk. But I can, you know, text a group child like, hey guys, someone come scoot me. And hope I just don't want to overuse that kindness. But maybe they'll give me rides or if anything I can like lift. It's like a $5 ride. But it's still, there is still a part though here that is just kind of unacceptable. Right.

Why are you allowing yourself to work at $12 an hour? for 15 hours a week when you have nothing but free time on your hands and allow yourself to be so far behind on a car payment that it gets taken like you did that why are you allowing that that's the actions of a child child you're not a child you've been in adulthood for a few years you're not a child why acting like a child i just was like i don't want to have i don't want to don't have a job what i don't want to don't have a job yeah or i don't want to i don't want to i don't want to be unemployed or don't want to not have a job. What the what you're talking about?

Why didn't you work more? If I were to, I don't get the hours. You get a different job. I can't. Well, I can. I think I'm just scared of, I don't know. Work? Like, existing?

I guess so. I don't, I want to find something more lucrative. Lucrative. You're making $12 an hour, 15 hours a week. What are you talking about? You know what's more than that? $13 an hour, $14 an hour, $15 an hour. Yeah.

What are you? Are you waiting for $500 an hour? Like, that doesn't make sense. You know, fun fact, I just want to let you in on a little secret. You lost your car! Yeah. Because you're not paying. How is waiting for something lucrative making sense?

How does that make sense? And what sense is that making? It's not? Yeah. It's definitely... So, okay, I just had a job interview on Wednesday. Um, for a boba shop. Boba?

I love me some balls. Yep. Yeah. And I'm debating it. I told him I'd let him know by like the end of the week. You would let them know? Yeah. So you got the job.

I'm pretty sure, yeah. But why would you have to let them know if you don't know if you got the job? What the fucking was going to about? Well, because they are only paying like 11 to 12 an hour. And he said they were going to pay eight for the training. And I'm like, well, I make $12 an hour already. $15 hours a week. Yeah, I was, my mindset is like, okay, let me find something that's at least $12 an hour somewhere.

So I can at least make that. And then like, if it's a job that involves tips or something, I can get that on top. What are your, like, what are your hours? The 15 hours a week. What are they? When are they? Mondays, 4 to 8, Tuesdays, 730 to 12. actually it used to be 1.30, but she changed it to 12 because, yeah.

And then Fridays. Yeah. I've been thinking about it. Or you need to find another job that somehow perfectly fits in the schedule to allow you to work at least 40 hours a week. Yeah. You told me what you wanted to do. Right. What do you want to do now?

Because there needs to be some kind of income solution. Like, yes, you can work in the like rewage minimum wage, like that's like the cost of living. minimum wage for the Houston area you could do that forever but I don't think that's necessarily anyone's goal what do you want to do now I want to find some sort of full-time job I but in what I mean I can gift you you know certifications to course careers to add that to your resume and that helps get in like the tech environment but even but but this isn't you haven't shown that I don't know your your dance like I don't know what you're trying to do I I I well dance is my passion and I want to I want to pursue that and also have it.

So what the fuck is all that around your neck? Are we going to like summon something to come kill me or what's happening here? Maybe. Who knows? It was like. Okay. I don't think I just noticed that. Well, if it makes it any better, I don't think I pay for any of these.

And three olive, cherry bombs, cherry vodka. What is, what are we doing? It's from the thrift store. Okay, sure. Okay, sorry. I got distracted. Go ahead. In this economy, every single dollar count.

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Hit that link below or scan the QR code right here to start earning today. I want to find something more full-time so that I'm able to still like nurture. Yeah, but in what though? In literally anything at this point. I applied for like this CVS work from home job, like claims benefit. it's specialist thing. I don't know. It's funny because we're going to pay our intern more. If you lived in Austin, I'd be like you could intern for Noah, but.

Oh, imagine. That's a long commute, though. I'll drive out there every day. No, I'm on. Yeah, no. No, you're on. Well, no, I won't. Yeah.

I'll walk. We don't know how to pay bills. I'll walk. I literally anything. I did the assessment for CVS, and it literally, as soon as I went back to, like, the workday page, It was like, I'm not looked at, not considered. And I was like, okay, well, whatever.

Well, yeah, that's what's going to happen. So you apply for a 9,999 jobs and you get one. Like, in the end, it's a numbers game. To a point, to a point. You need to make sure you're, wait, I think I have your resume, don't I. Yeah, I did email it. So we can review that at the end. That'll be interesting.

We're going to go through your finances and then we'll review that. Okay. Because, yeah, maybe that could show some things. If it's more than one page, I'm going to punch you in the face. It is one page. Oh, thank God. I was going to say, you've done nothing. But so many people like to have like 50 pages after having three jobs.

There's nothing. I didn't put everything on there, though. What about tip-based stuff? Like, waiting tables and stuff. I used to be a host. Well, that's, but like in high school. Then for hosting, don't you just kind of get whatever the waitress and waiters feel like. Yeah.

And then the tip pool was split between the servers and the hosts. Oh, really? Yeah, it was kind of weird. Okay. What about what about where? you could get tipped, like waiting tables and stuff like that. I thought about being a server, but I don't know. I'm kind of picky about it because I don't want, I don't want to be a server.

I'd rather, if I'm going to, like, get a tips job. You just said anything. I'd rather be, like, a barista or something that, like, can, like, you know, a starting wage of, like, maybe 10. Like, I think Dutch Bros pays, like, 10. And then you get tips on top of that, which, honestly, would probably be more lucrative. Why haven't you applied for Burris to jobs?

I have. I applied for like three Dutch bros near me. I applied for like a million star, no, probably like six Starbucks. That's on the way. And then the boba place. And that was like the only one that really got back to me. How can you be picky about a job though if you literally just lost your car? You lost your car.

And if there's any city where you need a car, it's Houston. It's a highway. The city is a highway. Literally. And I live next to the highway too. Yeah, everyone does. It's the worst city ever created in the history of the world. Why, you, how can you be picky about our job?

You literally just need to make enough to make your car payment. That's your basic survival. Everything else is taken care of for you. You have the most minimal responsibility ever. Pretty like most people on the show, you have almost no, your bar that you have to cross is so low. And yet somehow you're picky? Your pickiness.

I just. In what world? Are you allowed to be picky? That's just being like an entitled little brat. I just want, I want to like work somewhere that'll pay me a reasonable amount and I won't hate my life at the same time. Well, but also pay your bills like an adult. That's probably true. Like what, like lots of people that work at the food industry like the food industry.

Not everyone. I don't know the statistics on it in terms of the exact percentages, but not everybody. everyone hates it. I hated one food industry job I had. I like the other one. That's true. So who's to say because you get a job in it that you're going to hate it? And I don't give a if you do anyway. Hate it for a couple months, but while you're in it for a couple months, actually being able to pay your bills, you're applying for every job in the history of the world that exists that you want to work in. Yeah, I feel like, I don't know, nothing's getting back to me or no one's getting back to me except for the Boba place. You applied to six Starbucks and

two bagel whatever's. Like, close close. Like, that is, the odds are not in your favor, dude. Also, oftentimes in those jobs, what everyone highly recommends is just go in and introduce yourself to the manager. Those type of jobs. I haven't done that yet. I was going to follow up because it's been about two weeks. Yeah. Well, also, yeah, it's been two weeks. Okay. Yeah. So I was going to follow up soon because I've, like, two weeks is like the, you know, the average like follow up time, I guess. I was going to try. What is the interest? What is?

for now, still technically the interest rate on this car loan. What if I said I have no idea? Yeah, I don't know. I'd just go on the website and I do it. Or my mom would send like the money in my bank account and I'd just do it online. You owe 3,182 to get it out of repo. Are you going to try to get it out of repo? Like what are we trying to do?

Well, the cost to fix my mom's truck is cheaper. By the way, you're still going to cost to fix your mom? Then why didn't you guys do it in the first place? You're still probably going to owe a minimum $10,000 on it based on the condition of your car. And then once it goes in auction, you're probably going to have to owe like $15,000 on it still. So you're really not going to save that much. Do we know the interest rate on this by chance? 18%.

18%. What are you? What is your existence? Is that bad? Is that bad? It's bad. What's like, okay, what's like a good interest rate? Below 3%.

Oh. 4% or below at the top. In terms of good. If you want to use the word good, like, I don't really vomit when it's like 7% or less. Like, I start getting a little uncomfortable above that, you know, 8 to 12, we're going like, oh, not anything above that. May it's just, well, I'm just like. Yeah.

Honestly, I didn't, I did not know, like, all the details of it whenever we got the car. I was just kind of signing my name. You know how some people retire sometimes? Maybe not you. Yet? Not like this. Like, you're not getting there. I would like you to be able to

but you know some people retire? Right? Yeah, that happens in this world. Oftentimes they buy stocks. Like the overall stock market, they invest in like a 401K. You know, that's their taxable account. You know those?

I know of it. Okay. In there, for example, like I open up my Moomoo app so I can buy into like an index fund and I get SPY so I can follow the S&P 500. which is a collection of essentially like the top companies in the United States economy.

It's just falling in the United States economy. On average, all up years, all down years, combine that out. On average, you're only gaining 10% on your money. 10%. The money that you have here in this car loan is $25,000, you are losing 18 to 19%. Your money, in the best case scenario typical, on average, will make 10%. best case on average and you are losing

almost double that you were making them so much money and now they're going to try to recoup the cost of the loan and then they're going to try to get the rest of it through you still so so it's yes 18 is bad to answer your question that was the question

okay let's go on to the credit card the self-assess where do you think you are finances you in your life just you zero being the absolute worst 10 being the absolute best where do you think you are in that range probably like a solid like four you know i'm gonna like absolutely shank you right now right that's insane that's the most stupid thing i've ever heard in my life like what's the giggle what because i don't i don't know i feel like i don't really know anything about my finances or like

at least the details i'm gonna a little secret you your car was just repoed that's true that's bad Yeah. We just discussed how your interest rate is bad. Yeah. Even if I were to get it out of the out of repossession, we'd still have to pay the car note and the check engine light is on.

Oh my gosh. So we'd have to get that fixed too. All right. Let's talk about your mom's car in a second. I want to get through this credit card. If you watch your hammer financial score, it's free link in the description below. Also, we're always looking for people to come on the show,

people with interesting situations, interesting finances that I can dig into so we can look at different situations so that people in the audience get a wide variety of financial situations learn from. And if you're an interesting person, who you think you'd be good on a podcast as well, because you didn't need to be able to say a couple words.

Feel free to come on. So we like people across the board, including even if you think, like, you know, you have an opinion that needs to be challenged because we all have opinions that need to be challenged. Feel free to apply to be on the show at Calebhammer.com slash apply. You are on a credit, capital one. Thank goodness.

Credit one. Oh, I guess I did have a credit one credit card. but I couldn't find. It was like my first credit card that my mom got me. What are we doing? Oh, your mom, great. Yeah, and I didn't.

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at USAA.com slash bundle. Restrictions apply. I didn't know really. And then she told me, how she explained it to me, she said, we're on the, this credit card too, that we're on the same credit line. Oh, you're an author. She was an authorized or you were authorized. Yeah. So that was the same one with the credit one, one, too.

But I think it got canceled. I don't know. I can't use it anymore. I tried and it doesn't work. It's the first time anyone's hearing about this. My producers are saying no one knows this. Do you have credit karma on your phone? I have an account.

I don't have the app because I don't have any storage on my phone. But I have like, I have. an account and everything. Can you delete something and download it for us? Okay, well, she does that. The friends that are here. Are they your friends? Yeah.

They're your friends. Yeah. Did you know her finances are this absolutely? This is wild. Oh. Their friend recommended you to be on the show. That was the push. Yeah.

Good. It's a good friend because this is an absolute, disgusting. mess. Unable to contact credit karma. Do you have any others? I think it worked whenever I did it on the browser. Okay, you'll try that. They locked me out of my account for a minute, but I just sent a code to my email.

Maybe it'll let me log in. Okay. Okay, it worked on the browser. You're in? Yeah. All right. Cool, cool, cool. Let me take a little peek.

Did you join the internet? Yes. Oh my 512 credit score. And it's up seven points. Yeah. And check that after the car guy reponed and went up. I don't know how that happened, but it did. I'm going to screen record.

All right. Payment history, 84%. Credit card is 97%. Credit age is only a year and 11 months. Harding court is six. How much credit are you applying for in that little amount of time what is happening what is happening make sure you guys are blurring the screen of names and

things like that the yeah the auto loan isn't recognized as being a major major major major major did you missed one two three four five six seven that was like yeah the late payment but I don't think they recognize the repo situation until it turns into it's different thing well good news this credit

One, doesn't seem to be on your credit. Okay. And they've just been your mom. It may have just been your mom. Yeah, I had that credit card in, like, high school. I had no, she was just like, just use it for emergencies and gas. Yeah, maybe she gave it to you to use her emergencies and gas, but it was still, like, hers and only her? Maybe.

Okay. It's on my Apple Wall, I go. I don't remember even putting it on there. there you go thank you cute cat thanks okay so the card then the card and only card as of now it's $482 on the capital one okay it's not like the highest bans of the world but what's the credit limit 500 okay so that's right because we're at the car limit yes and that's why your utilization is so high obviously that makes sense what are we doing why is it so so why you purchasing her. Why did you put $105 on it?

That was my mom. Oh, you guys are on this together. Yeah. I used it for only gas and like... What is she doing? I don't know. Maybe she should be on this show. That's what I told her, but she said... How old is she? She's like 40... what's in 1990? 1976. I don't know. 40 something. Okay. Well, at least the minimum of the payment was.

was made by you or her? I think the last one was by me because she was like, make the minimum payment on it real quick. Oh my gosh. You guys are way too intertwined. What is happening? How are you ever going to be independent? And she's like, almost kind of holding you down, at least in this one. No, and the car because she said she'd pay and then she didn't.

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Yeah, but she'll just put it back up. You need to not be an authorized user, or she needs to not be an authorized user anymore. I don't know in which case, who's who. Yeah. I think most of the payments are my mom. If it's like for gas, that's probably me. And I asked my mom for like gas money. And she's like, oh, I just put it.

I just cleared something off the credit card. Just used that. I just cleared something off the credit card that has no room to spend any money. So why don't you just max it out again? That's great. that means her credit can't be much better than yours yeah i don't think insane living off a $500 credit card cannot be the way we're doing life you're never going to get ahead in life if that's what we're doing you're going to end up

and again this is not saying she's a bad person i this is not judging any other aspect of her life but this way you're going to end up just like your mom financially if you continue out of this path it's going to be generational you're going to allow it to be generational because you're just being tangled up in that. Yes, of course, a lot of the normal education you get because I don't really teach personal finances in school, at least required for a lot of people. But in terms of where you learn your personal financial stuff from,

it's oftentimes through parents. Right. It's a very personal thing. And you're a load editor from someone who can't do it. And that's going to make it generational. If you want to break free, you got to, we need to separate from being tangled in. Yeah, that's another reason.

I'm, I mean, I guess it's not really on my plate, but I kind of want to move out. Well, I mean, that's like a goal, right? You can't even make a carpet. What the f*** are you talking about move out? Sure, I like you too, but what are you talking about? You refuse to get enough. You're picky about your job. Well, move on where?

How are you moving out? You're going to get kicked out of a place that you move out too. Yeah, and our lease ends in a year. So I was like, oh, I'll just move out whenever it ends. But. Hold's your brother that lives at home? He's 19. Okay.

What are you trying to do in life right now? I... What are you doing? What's the goals here? What are we... Well, my goal, I just graduated from community college with my dance degree. Not... Yeah.

Full bachelor? No, I got an associates. Associates and dance. Yeah. And... What are we going to do with that? Um, yep. Mm-hmm.

Okay. Well, that's... That's cute. I, well, you know, it's the whole thing. It's like, fine, you know, go after your passion and everything will work out. I said that. I guess myself, yeah. And you want to stick with associates and dance?

We don't want to go back. We don't want to. I assume you have a decent amount of gen ed's under your plate. Yeah. I was thinking about going back to school for a certificate for barbering. So that's like, because I wanted to do cosmetology before. like as a career before dance. I thought you said you really wanted to be paid high.

I do, but I just need something to do like I guess in my 20s. No, no, no, no, no, no, no, no. Something to do in your 20s. For the career, don't just, if we're just looking for something to do, that doesn't mean it has to be going back to school and borrowing more money. That's not the only thing that can be done.

Listen, and I'm totally done for it. If you have a career path you want to go down, if there's things we want to do, totally okay. Let's do it. Let's figure out how to do it. you're just trying to figure out something to do in your 20th? No, that's, we don't get a temporary degree. Yeah. I feel like I don't know.

You need to get career quizzes or something because you're just, you're the thing you just said, you want to make money, which is great. It's a good start. So let's find out the things that make money. And let's figure out what you like within them and when it takes to be able to do those. That's why I was kind of thinking about barbering,

because I mean, I like hair and cosmetology and stuff, but I feel like that that's more specific so I can find something or find a career in that. Yeah, I do. What do you think of Noah's haircut? Should he go, we were talking about this the other day. We were talking about this the other day. Should he go full and commit to awesome, sexy beard

and shave his head? Or should he still try to embrace? The hair on his head? Like embrace the hair on his head? head? Yeah, should he shave? Honestly, I can see him being bald. Yeah, I think you would look pretty good. Because the beard, the beard is a good counterbalance. Can you call me, Noah?

You're allowed to do the ones that the audience love. This is what it looks like bald. It's a Halloween costume. Let me make sure. Oh, but they didn't see. That's okay. It's okay. I took a screenshot. Oh, good. Great. Awesome. what he looks like. You can see it on at Noah Chrysler on Instagram. He should keep the beard.

Yes, yes, I agree. No, he has a sweet beard. I'm very jealous of that thing. Okay. So, Texas Roadhouse and Amazon. I guess that's worth ruining our credit score. And you guys are only paying the minimum of the payment and interest is accruing.

It's only $11.75 because of the balance is small, but it is 32% interest. Remember that interest thing? about. Remember how 18 was bad? 32 isn't better. Damn. Um, so yeah, I used to be, or I am a teacher. I teach color guard at a high school. Um, but I and I got, I started getting into it from, how don't you make doing that? And because that's only during the March of Man season. No, it's during winter or two. Oh, you do winter guard as well. Yeah. I do the whole year. How much you make doing that? Um, well, it was this, the job I'm at now. It was. It was.

was 18 an hour, which for the amount of... It's not very many hours. Yeah, not very many hours. So it's like the pay kind of, eh. But for this upcoming season, I would get paid $1,000 a month. And I would have to be there more. What can you make now? And I'm like...

Does it take away from me to be able to work a real job? Yeah, it does. And it's like an hour drive away from me with traffic. So I would have to get up. there and back. That's like almost two hours of commute every time because it's like and lots of places can expose

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all through text, phone, email, or the LifeLock app. Get the alerts that could make all the difference. Save up to 40% your first year at lifelock.com slash special offer. Terms apply. What else? So in 2022, I did Blue Nights and I paid $5,000 to March. Blue Nights. Yeah. Okay. And that's just, that's just.

So expensive. Yeah. Yes. It's so expensive. And that was just a tuition. That wasn't audition fees. How many years did you do it? I did it for that season and I did half a season. How'd you pay for that? Okay, blue, the first season I did, that was my financial aid refund. Every time I got that, I would spend that money because I got like a thousand bucks in financial aid refund.

So I would spend that on my drum corps tuition. I'm more of a blue coats guy, but I was a blue coat. Oh, you did blue coat? Yeah, Garden of Love. Okay, very cool. But I didn't finish spring training. Why? Because I got a concussion and they made me an alternate.

How'd you get a concussion? From a flag. Yeah. But they filled my spot and I didn't think that was fair because there were other people on concussion protocol. It's funny. It's funny listening because I didn't know 100% what you did, but when I was talking to know about it before, this is funny because I know that world and he was this is the way he explained it he was like I think she spent like 10,000

dollars on some drumline I mean that's pretty much yeah you did color guard in DCI yeah so I had to pay for equipment and um blue coats that guard is expensive they were trying to pay me I think they're going to win this year but um I that was $6,000

um I got a contract for this season two, but I turned it down because I didn't have the money. So how much did you spend outside of the financial aid refunds for this, though? Did you spend your any? Yeah. How much did it cost you? So that was when I marched Blue Nights, that was before Pure Bar. And my only job at the time was my college or teaching job.

How much did you spend? How much did it cost? Like a couple thousand at least. How'd you pay for it? From my teaching job. So there was no debt? For Blue Nights, no, for Blue Coats, yes. Where is it?

They waived it. Who did? The Blue Coats. So it was debt to them, debt to the organization? Yeah, because when I went there last, I know, right? Take out debt to them? Well, they just didn't let, because the rule is, like, you have to pay everything before spring training starts.

What about the flights and the transportation and the food and all this? Yeah. That came out of my pocket. But you did pay for it. So it was no debt? I guess not for that, no. Um, but I mean, a blue coat wants to find me and charge me,

but, um, but yeah, that's like $3,000 that I didn't pay from 20, 23. I mean, like, yeah.

Yeah. I mean, again, in this conversation, I really only care about the debt you have now and the choices you're making now, but if that debt does come back to bite you, but it's not like they're, they haven't sold it to collections. They're not reporting it anywhere. No.

I don't, I'm not overly concerned about it. My winter guard. It's still something stupid to do. I love it, but this is money you didn't have. Again, I mean, it sounds like you're coming from a household that just knows nothing about money. So it's just like, yeah, go do it. Go spend all this money on things you don't have in money you don't have.

Yeah. And even Wintergard too. Wintergard was really expensive to. Yeah, all that shit is, dude. All this extracurricular crap is expensive. Yeah. And that's why I stayed in color guard for so long and wanted to be a teacher. Because, I mean, I had the most experience in that.

but I don't want to be a color guard director anymore. I think that's where I started following off. We don't know what you want to do, which is not really. So, okay. We have $325 in your checking account, which is dramatically down from what it was, $1,000 less than before. ATM, which were wrong, $120.

What the fuck did that go? Which one? $120 from ATM, I don't know. Um, oh, I think I do know what that was. I was buying. Go on. I was buying vapes for me and my friend. I swear, just everyone in the world vapes or zins or vapes or zins.

I tried to quit. It didn't work. Yeah, that shit is beyond addictive. It's not. It's not crook. Yeah. Great. So I can do anything in this world that's not as bad as crook and I can say,

at least it's not quirk. Well, yeah. So I can just walk over there and punch one of your friends in the face. At least I wasn't doing it. Okay. Okay. Well, salt is on the same level as like, right? I think it's worse.

Okay, okay, okay. At least for you, for the person who takes it. Like, of course, for me, then, there's, I don't know. Doesn't really matter. I don't think that's a good reason to be like, oh, okay, vaping. Yay. Yeah, no. Not happy about it, but.

Probably, probably that much a month. $120. Yeah. Well, that's a little extra because I bought an extra one. you actually make that payment instead of your car payment. Yeah. Great. Vap over car.

My goodness. It's, it's, it's, I just, I literally am so lucky. I escaped vapes entering school by like two years, literally like two years. It was like two years under me. Uh, people just started to vape, like so much. It like barely started. And I remember like two years into college that started and I was like, oh, I'm, I'm, I'm, I'm, I'm, care about this at that point.

I don't know, man, so many people your position. I'm seven years old, eight years older than you, and I just can't imagine there's so many people around your age, just vape. I know people like way younger than me.

Oh yeah. I knew someone had a sister in like the third grade and she would talk about bus vaping. All right. Fiv Gong, getting some tea, cash tapping out four bucks, who knows? Patreon, what the fuck? And it's not even,

mine. Wait, is it mine? No. So, so you, fuck you. But also, you can't afford it. I wouldn't want you to get mine anyway. So it doesn't make sense. Support yourself. Get a car back. Be able to make your payments, be able to live on your own. Don't support someone else's lifestyle until you can. McDonald's,

Value Village, some secondhand clothes. You do it again. And then Starbucks and Total Wine and More, we're glug, glug, glugging, and vape, vape, and hondage, $181. Korean barbecue is expensive, dude. Green barbecue is always expensive. Well, people send me money for that one. How much? Like everyone paid for their own thing and we're like, oh, it's just put it on one car.

And I was like, oh, I got it because I have money in my checking for once. Barely. Okay. McDonald's. Ginji Restaurant Bar. Zing food tank. You love Southeast Asian food. I do.

Taco Bell. And then we went south of the border. Shipley donuts. You cannot. What the fuck? $61 door donation jack in the box. How in any world are you able to afford that? I'm sorry.

You can't. That's what is that? That's like an eighth of your car payment. That's insane. What are you doing? In what world? It's like a seventh of your car payment. I think that's doing.

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not okay. McDonald's, not okay. Going into the store, getting some bullshit. Yoga, you're to go to the gym. Let's listen. I want you to be as healthy and as much as you can, but at some point we might have to only pick one, unfortunately, just because you really can't make, you're not making anything and you're not even making

your payments. Getting some crepes, yeah, you better do all the yoga in the world with how much you're eating and out. Parking, parking, parking. Limp biscuits. cage the elephant what the fuck are we doing what what is lim-piscuit the bands yeah i i bought concert tickets oh it's only 50 bucks yeah it was the live nation concert week so i kind of went crazy ah but can't even come close and then you got to figure out transportation and you're gonna get food and yeah it's gonna cost more than just those 50 dollar tickets the kc elephant concerts

like later. Where? And Houston. So you guys are going back to a company. And then you're going to spend money and it's going to be stupid and you get yourself further in a hole and it's going to be wonderful. There's your dance studio. $250.

Yeah. Yeah. We had a required, what's it? Like a little like convention thing at the studio and we had to take like nine classes in a weekend and it was $250. What are you doing? What are you doing? You can't even make your car payment.

Literal basic shit. The most basic shit you can... You're a child. You're not... You're not 21. You're still... You're still 16. No, you're 14.

These are actions of a child. Look how much you're eating out. You're right when you said at the beginning. Oh, look, you know. No shit. Ben went out $5. Ven went out $6. Velvet Taco.

Cash having out $5. Pearl Lounge. This is insane. Pearl Lounge. Cash happened out $15. cash out about $24 parking going to the store

getting some bullshit Microsoft something game probably oh my gosh it's probably in Minecraft great what are you spending in Minecraft I have a realm

this week oh my Ruchies L. Ring Kong I don't know going to the story to get into bullshit going to start getting to bullshit going to start getting some bullshit

purchase there's $80 to your dance place again yeah that's the monthly payment Yeah, oh my gosh, you're spending almost as much on dance as you get paid from a different dance studio. That's crazy. Going to store getting some bullshit. Maud's pizza. Cash apping out $10.

Cash apping out $10. Cash apping out $10. What the f f***ing are you doing? McDonald's cash out $12. What is all this cash shopping? What are you doing? I think that was from, there was like a little event at my dance studio. And everyone was like selling their like old dance clothes and I was buying.

Yeah, that's where I got. these pants room. They look like pants. Did you not have pants? Great. They had more pants. Then we went out $9. Then we went out $6.

Then we went out $8. Then we went out $30. It's insane. House of pies. Restaurant bar. Going to start getting some bullshit selling out $20. Bakery Cafe. Popeyes.

Going in getting some bullshit. Rucci's El Rekon again. New cafe. Tuiori. Why do you have to go to places that are so hard to pronounce. Then went out $5 value village, value village Torchie's doing a lift

ride, which you have to do now because you lost the car, but it wasn't at that time. My mom was using the car, I think, and I took the lift to work. Oh, well, she has the right to it because she's a co-signer. She just doesn't know how to be a responsible co-signor actually make the pills, the pay.

It's five new ice and drinks, great. That's insane. That's insane. Like, I don't even know how to combat that. really? I mean, this whole conversation is going to boil down to. It's like, are you willing to change that? Because if you're not willing to like not, that's your actions. If you're not willing to do that and make more money at the same time, there's nothing happening. You're living at home your entire life. You're fucking or just milking off of friends. You're doing nothing forever if you're not willing to change anything.

And what were the $213 that came in via Zelle? Um, all at once. 213. Oh, um, probably different like people like, oh, let me send you money for this or like my mom sending me some money. So not earned. Okay. Yeah. So payroll $532.

How much you think you spent in total in the month? Probably more than that. Who? How much? Maybe like, like, 800 maybe to a... How much do you think? How much do you think? Okay, they both said a thousand.

You said 800? Yeah. Yeah, try $2,000. You brought in $500. Oh, it's hilarious. It's a joke. Guys, it's a joke. Great.

No, we got a comedian. This is hilarious. Our life's a disaster. We're going to die in poverty and it's great. It's a joke. Let's laugh about it. Everything's so good. Damn.

Yeah? Where are you coming out? You have like a humiliation kink? What is happening? No. What are you trying to do? What is the point? I just going to laugh about it?

Oh, my goodness. I spent like 8. times what I brought in it. It's hilarious. I didn't even realize it was that. Like, it was that severe. No, you said $800. And if you knew how severe it was, hopefully you would do something. You signed up for a car payment. You're not making it. You're a child. You know, I, I just didn't realize that's where it all goes. How? I think I, I think. That's 90%. Have you ever looked at one of your statements?

I mean, not really. Obviously, go through our budgeting class. For the sake, go through our budgeting class, take it. And then eventually go through our investing class. I don't even want you to do it yet because I don't want you to get any bright ideas. But go through it. Luckily, they're both bundled for a lower sales price right now. You get it for free.

But go through it. Please go through it. Learn how to make a budget that way. We're going to make a basic budget to get started. I don't know the ins and outs of your entire life. So that's where you have to figure it out yourself. And also if you don't make your own budget, and if you don't manage it on a monthly basis, you're never going to be in a good place.

It's if you rely on everyone else to do everything for you, it's nothing. But your behavior dramatically need to change. This is a spreadsheet. This is a pie chart of a child that I'm about to read. So every spending was $2,000. Great, even though you brought in $500. So everything's fantastic. Okay.

For what it's worth, you know what? I will give, I think it was about $150 was actually from your mom on the capital. probably yeah okay so you just spent a thousand eight hundred dollars okay 55 dollars and 55 cents or 2.8% of our spending went to transportation because there was no car payment because we didn't make a car payment and what about car insurance I had car insurance but I couldn't afford it kind of by choice actually by choice yeah because it was like six hundred dollars of the car note plus like 200, 300 for insurance, and I could not find a lower rate. When did you get?

Yeah, yeah. And guess what? Work. Or just don't be a person with a car and rely on public transportation or biking. And it sucks and it's harder, especially in Houston. But guess what? I don't know. You're making choices.

When did you stop having car insurance? Like January. What the fuck are you? Did you guys know how illegal? That's illegal! Yeah. I needed a gift. places. So I was like, well, let me not get pulled over. So luckily I did not get pulled over,

but. Yeah, instead you got permanently pulled over by your car getting taken away. Necessary food, $126,0.49. I don't even know you going into the grocery store is probably necessary food. Probably just getting bullshit drinks and bullshit. 6.3% of spending based on what you told me from your mom. So I can't even call it necessary food. Bullsh-food, that was 36.6% of that $2,000 of spending or $737.29. What a joke. $737 of bullshit food and you literally brought in $500. That's a joke.

That's a joke. And you allowed your car to get repoed. That's a joke. You allowed yourself to get uninsured car insurance in an uninsured car, but you spent $737 on bullshit. That's a joke. Your life right now is a joke. And I know that's brutal to say.

And I know it probably comes across as rude. But I need you to know that it is a joke. It's not funny. It's not cute. You can laugh about it. You can be whatever you want. be, but it's not. It's an embarrassment. It's a joke. It's disgusting. And you are fucking yourself. You're destroying your future. And it's not going to be cute when you're 50 and you can barely afford to

live in a studio apartment while all your friends over there have made it and are living good lives. This is a joke. It's not cute. It's not a little movie. It's, you're not on some story arc. You're just some cells slam together And you're making terrible choices There's not some destiny for you It's all your actions going into the rest of your life It's not cute with all your laughter This is a joke

And right now, based on your own actions Your life is a sad joke Unknown shopping is 3.9% of your spending $78.48.48. Medical health care, 19.5% of your spending or $392.60. Miscellaneous, BS, other things that don't matter, the concert tickets, all the other crap.

$16.2% of your spending are $326. Other large purchases, $299 or 14.8% of your spending. So to be clear, the medical health care, that stuff is kind of uncontrollable, but in terms of just complete bullshit, that doesn't matter, 65% of your spending at a minimum, and we allow our car to get,

So that's wonderful. There was another account. Sorry. Let's see. What's happening here? This is moving money back and forth via cash app and then fundamental treats. I think that was from Mother's Day. And me and my mom went to this, like, lounge club place.

And we got crawfish. And she wanted, like, a little thing. So I got her a thing from them. And they were, like, a small business. Yeah. I don't know. I think I just kind of see money as like, you know, I'll die one day. And when I die, I won't have any money.

Guess what? Technically people with a lot less money, which is what you're allowing yourself to be in, die earlier statistically. And you're choosing that. This one's not forced upon you. There are some people that are in situations that things are more forced upon them.

You have so much opportunity. You are in such a privileged position. You have no idea. and you're squandering it. So you will die without money, and you'll die younger. Well, I don't, I just, I just need a job that will pay me. And you're picky about your child, also not cute. You don't get to be picky about what comes to paying the bills if you're not paying your bills.

Yeah, I don't, I guess I don't pay any bills except for what was my car note. but I don't I don't know I think me and my mom definitely fell off of the car note situation I didn't think they'd really I didn't think they'd really I didn't think they'd take it honestly because they said they were going to take it for months and they didn't and then we kept making like minimal payment kind of or like the monthly when we could but then it just kind of got taken on the worst day and literally on fourth of July so we couldn't even and like call to figure out where it was that day either. And I had a trip planned actually that weekend.

A trip? How? Again, I don't get it. Just in your mind, how do you think it's acceptable to have a trip or get concert tickets if you're literally not paying your own damn bill? I... What was the trip?

It was to Dallas. I was going to go to like some water park in Dallas. You told Noah that you guys were purposely dodging the refurb. Oh, man. Yeah, we were. Because my mom would take it to work and she works like, well, when she go and get canceled from her shifts, she would work overnight at the hospital. So she'd take the car overnight and then I'd take it to work during the day.

And then in the evening, I'd go to the studio. So we just kind of dodged it. I pretty sure, like on the third, like the day before I got taken, I saw the tow truck going like the opposite way of me, like when I was about to park into my spot. And I was like, that tow truck was probably from my car. And then my car was gone. And that's cute. Again, this is just some fun little movie that you're in.

Like, I don't know. You seem so nonchalant, like you just don't care. I don't understand. And I have a certain point in this conversation for a lot of the people. I can create a bunch. I can do tough love. I can do all this stuff and I can get them on their way. For you, it's just like you're in just fantasy world.

Nothing matters yet. you're so nonchalant, I don't think anything matters unless you get out of that mentally. I really don't. I don't think there's anything I can do. You just literally need to grow the fuck up and actually act your age for the first time in your life. That's your core issue. What is acting my age, though? You pay a bill.

Like a single bill. You get a job that might not be your favorite job. that allows you to pay the bills. Right. You set any kind of goal in your life and you try to figure out what it takes to get to those goals. And you start mapping that out and start being actionable on those different steps to get to the goal. And you care about it. At the very least, you care about it.

I think I do care. You were dodging the truck man, Mr. Beep, beep, drive, drive, truck man. Because I needed a way to get to work at least. You pay your... Bills. What an adult does doesn't spend $750 on going out to eat when they owe a $500 car bill. That's what an adult does. An adult takes care of basic responsibilities before they give themselves a little bit of a sweet treat.

And you are fully injecting your entire life with a sweet treat. You live high on the sweet treat. I just feel like I didn't have any money. If you didn't have any money, how are you spending $750 on going? not to eat. I guess it all goes to that. I don't know. I think I'm just, I'm super like, okay, let me just live my life. Let me, let me be broke. Or I try to tell myself. There it is. And again, I can't do anything about that. Let me just live my life and I'll be broke. If that is your mindset, there's nothing else I can say then, okay, now what? Because if that is your

mindset, there's no escaping that until you do. And no matter how many budgets, why do you want to? Why do you, who you've put no actions in and wanting to? So I don't believe that, but let's play into it a little bit for a second. Why do you want to? Because it's really exhausting being broke, you know? And like, not even. Nothing to fix it then.

If it's so exhausting. Um, I don't know. I think I, I definitely give myself the excuse like, oh, I'm, I'm just, I'm tired. I'm mentally tired. And I mean, I am. I feel like, I don't know. You have the most amount of energy you'll have in the rest of your life right now. I promise you that.

Unless there's something medically wrong, but. No. Yeah, exactly. Yeah, I. You can trust me. As someone aging on that big three zero, you have more energy than you'll have in the rest of your life. And right now I have more energy than I'll have in the rest of my life. Unless I get fit, but, you know, you're already fit.

So you're, you have more energy than you'll have for the rest of your life. I try to like, you know. Seek dance as like my outlet. Okay, how many hours a week do you dance? Ooh, maybe, let's, like, maybe like 20 to 30. Ooh, you know it would be fun? You know it would be fun? This is actually fun.

You should teach me in the post show. Okay. How to do the dance? Because I'm just a very little white boy. Okay. Yeah. I got you. We're flip-flops.

I got you. Okay. Oh, I actually had a little bit of happiness. for a second. That was nice because this has not been happy. Okay. So let's just move on to that because like I don't think there's anything for you. Actually, let's look at your resume real quick. Okay.

So here's just a start. I mean, this is literally spend, trust me, we know you like to spend money. Spend $5. Use a resume builder online. That'll add just some color and design and anything to make it look presentable. This is built into Google Doc. Like this is crap. Yeah, it is from Google Docs.

Exactly. This is horrible. Um, okay. So hostess Texas Roadhouse, should customer satisfaction by, I love these things. That was definitely a chat. People in warm. Yeah, they honestly probably know that. You probably run it through an AI generated and they're like, all right, this person's lazy. I'm going to do it because this is the most chaty bout. Like I could have said that myself. Also, wait, Texas Roadhouse, you stopped in 2020? But you're trying to get. That was COVID that it cut everything off.

Oh, sales associate at your current job. Yeah. Your title, Sales Associate, involved in client engagement, promoting fitness packages, achieving sales goals to enhance overall client satisfaction and see you successful in maintaining a welcome sense of community. Sure, customer satisfaction. Okay. High school band, high school band. So it's not a very dense or not because you haven't really done much. There's some I left off of there just because, I don't know. I didn't know if I should put everything.

Probably not if they're less than this because I don't even like the color guard stuff necessarily being on there. but it shows that you do have some like, not management, but you're able to... I guess commitment. No, no, no, definitely not, because it's seasonal. But you're able to, like, teach and you can manage those little shit. Oh, man. I wouldn't in any way ever change on your resume,

your degree was in. I wouldn't. Mm-hmm. Okay. I'd also put it above your high school diploma. In fact, put your most recent at the top. Oh. Okay.

Skills. Carous red, wow. My skills not being able to read. Charismatic and friendly hospitality skills. Okay, that's a . What I would look, just, yeah, go on a resume building, and they'll give you, like, actual skills. And of course, I doubt anyone's goals they put on there are actually applicable.

they probably gave like one person a handshake and they said I'm the best sales closer in the world and also athletic and dance training for seven years take that off we're trying to get a real job you can have a dance resume to try to get dance jobs then have a job resume to try to get

job jobs okay I definitely just use that as like my all-rounder I know and you're not getting jobs yeah that's probably why I guess I didn't really think about that yeah I would definitely just use one of the services it's honestly kind of all it needs and it really fills in a lot of the stuff it doesn't need to be complicated really doesn't so okay well they're typing chat gbt is also a really great resume building tool

what do you think she said built this yeah yeah i'm sure you can feed it much better to give you better results but yeah it's not not the best great yeah not the best but i mean that's really all i also worked at Ulta for a while. I'm ready to learn how to dance in the post show. And then we'll go into some more drama. We always hide some of the drama for the post show. Because, you know, this is more finance, good old, and then we'll save some of the T for the post show.

Spending in the budget. Well, you spent $2,000. You made $500, 0 out of 10. Debt. You don't have collections. Oh, what? You got your car repo. What are we talking about?

Zero out of 10. Emergency fund, there's nothing to saving 0.10. Retirement, there's nothing to retirement. Okay. Hammer Financial Score 0-10, I don't think anyone's surprised. Make sure to stick around for the post show. You can check out that. You can join in the link in the description below.

You can also see in the description, different resources that I use or would use in specific situations, including the best budgeting and investing programs in the entire internet that are now bundled at a lower price. Make sure to join those. See in the post show. Today on the Financial Audit Post Show. He's dancing around thorns over there.

Let's dance. I would love to. You want to teach us? Sure, I could teach you something. No, I was reviewing it. This, the arms here, right off those straights in the shoulder. Watch the financial audit post show. Click the join button below.