Financial Audit - Psycho Tried To Manipulate Me | Financial Audit

Episode Date: November 11, 2024

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How do you not know that went for $15,000 to $30,000? How do you know that's not double? You see there and you're sitting there and you're looking at $30,000 and you thought it was 30,000 hours the whole time? You didn't think that doubled? You didn't know what your balance was when you first got it? What do you mean? How did you not know? doubled it's a double the number hi i'm holly i'm 26 years old i live in austin texas and this is the

financial audit the financial audit what do you do here in austin for a living oh i'm an admin i'm opt support so not really secretarial duties more like background so broad but okay what do you i work for a staffing agency okay what do you make you guys always spam my emails it's crazy yes yeah What do you make? I make about 48, 49 a year. How do you feel living on Austin in that? Is it a single household income? Yeah, single household.

I mean, it doesn't feel great, but that's, I think, mostly due to my student loans. I think I would be doing a lot better in life if I did not have student loans. Really? Yeah. Oh, yeah. I didn't graduate, so I can't consolidate them. So the payments were about $600 in a lot. What do you mean you can't consolidate them?

If you went to a private institution, that would probably allow you to consolidate them. No, if you go to a private institution. to a private bank. Oh. Not that that would be good anyway because you lose forgiveness protections and different things like that. But not that you can't consolidate them, but you're talking potentially within the institution you're a part of for your federal loans, right? The management company. No, no, not the federal, the private loans.

The private loans. Yeah, I'll be honest. I don't even know what's going on. Well, consolidation. I mean, you could private student loans. Mm-hmm. They're discover. Did you even send a statement for her?

Did I get there? Yeah, I sent in Discover. I thought I saw federal student loans. I sent in my Discover statements. For one of them. It's that first one. It's that first mark. Discover sold it to first mark.

This one. Like last month. Oh, I thought this was a car because it's so substantial. Nope. Nope. I don't own a car. I drive my brothers. Do you live with your brother?

No, I don't. I used to. So when I moved here, I lived with my brother on his couch for like six months. Why don't you? Well, okay. I'm not saying sleep on his couch, but are you live alone? I do. Yeah. I live in, I live in a really small street. If you can't live because of the, what's your rent? I think it's 1080 with. Why don't you get a roommate?

So I had a roommate at my last place and it was like the worst experience of my entire life. Cool, get a better roommate. So I mean, I agree. I just, I don't know anyone to live with. You know your brother? I do know my brother, but he has a girlfriend. Yeah, he has a girlfriend. They live together. They both work remotely so they live in like a three-bedroom house. Yeah. Well, okay. I don't know what those two correlations are, but okay. I mean, that's not the most outrageous. And I know you actually live in a good area relatively, you know, close to town. So I'm in smart housing. Huh? I'm in smart housing.

Oh, I thought, I heard you say that. I thought she said small housing. Oh, yeah. No, no. I'm in smart. That's how I was able to do it. It's like local subsidies. Okay. Yeah. So you went to school, borrow a shit. of money for it. Where did you go to school? Virginia Tech. What state were you in before that? Connecticut. So you went out of tech, out of state. Out of state, but I had, I had quite a lot of like different financial aids and things, Pell Grant, all of that different type of stuff. If you're going to get AIDS, it's not the worst kind. Yeah. So my tuition was roughly like

anywhere from four to eight a semester. So most of that came from like cost of living, like my, you know, having to pay for my apartment and like books and things like that. You didn't work a part-time job throughout to at least help subsidize. But it was Virginia. So my pay was $7.25 an hour. So like. Well, hold on. When was this?

When was school? Because even Austin 2016? Mm-hmm. So I started. Yeah, that makes that makes sense. Because yeah, a lot of minimum wage jobs were actually paying like minimum wage during that time. Because if this was like 20, anywhere from 2020 plus, nowhere pays minimum wage. Unless you're like in a really rural, rural, rural area where there's not a lot of workplace competition.

and like extremely unique circumstances because you live in pretty much any city now. In Austin, you know, the minimum wage is seven, whatever it is. Right. But the real minimum wage in Austin's like 16, 17, 18. Yeah. Yeah. I found 18 bucks to be the median entry level lowest wage job in Austin. Okay.

When we researched the area. That's a lot better than, yeah, Virginia was not. Yes. What hits your account on a monthly basis? Well, it was a different time. So, I mean, rent hits. Right. What?

Income. Oh, just my job. Number. Oh, I don't know. It's bubbly. Roughly $1,500 every two weeks. Okay. So about $3,000 a month.

And that's what I had hit. I had $3,040. Okay, yeah. Good? Does that sound about right? Yes. Yeah, that sounds about right. How much did you spend?

Roughly that amount. You spent that amount. Yep. Yep. Okay. I amend every single month with no money. It's better than those who spend more than they make, but... Well, if you notice, those are refinanced loans.

So once that ends in January, I will be over. Huh? So that's gonna be that. You'll be over what? Like, the amount that I make. Like, my amount that I need to pay every month will be over. Huh? So those are...

What are you saying? I refinanced my... Sure, sure. So the payments are, like, way lower than they... will be in January. Why will be? That has nothing to do with refinancing and refinancing. You didn't lock them in.

It was a short term thing. You got you, you talked to them and you said like, I can't afford this. And like, that's not refinance. And refinancing doesn't mean all of a sudden your loan's going to get, you could refinance anything.

But if you get it locked in, like you have like a variable thing here. Or no, no, you have a payment that's going to go up. You're in some special program with the bank. You talk to them and you're like, a poll widow me.

And they said, okay, let me help you for a few months. Yeah. I guess it's not refinancing them. Whatever, yeah, whatever I did. So this wasn't refinanced? I don't. Was this with a different bank?

No, this is with Discover. Okay, so you just, you just talked to them. Yes, and they gave me like a six month like thing. Okay. And they might do it again, if you ask, not that I necessarily want you to do that because really the interest rate doesn't change typically during that. So it just really accumulates a ton of interest and really f*** you long term. Yeah, yeah, it's actually.

With your rent. why can't you you pass yeah you passed too with your rent isn't your rent's a third of your income that kind of sucks but your rent for Austin isn't actually that bad

no no it's so so so why are we possibly do past to $100 because I know for a fact you could make $100 I didn't even know I was past $100 oh for $1.000 Oh for like why is it not automatic payments

I was set up in automatic payments I was set up in an automatic payment then you didn't have money in your checking accounts or something must have about That's fair, yeah. Oh, that's fair? Yeah, no, that might have happened.

Why would that happen? Because I run out of money. Why? Because your rent is a third. No, you, what? Like, I don't know where it all goes. You don't track it all. You don't even look at this last month.

I do, but like, I don't. What if you look, then you would know. What the fuck are you talking about? Like, I take a look at it and I'm like, this is the amount of money. I look, I just don't read. Is that what we're saying? These are the bills that I have. And then by the end of the two weeks,

I like pretty much all the money in my bank account is gone. That's how it feels at least. Feels. I don't give a fuck about feels. What does the math say? The math says that I. You don't have a car payment. I don't.

And I don't pay insurance. And like my brother covers all that. Your student loans are 220, which is not insignificant. But again, for your income and where you rent is you have enough money to cover it. Yeah, I'll pay that off.

I didn't know that it was like that. But it did because, because, because you didn't have enough money in your checking account. Yeah, that's fair. And if we don't have enough money in our checking account, we're already, if any bill hits, I know. Energy, rent, whatever it be. Going to the grocery store to get some food. I know.

It's bad. But I tried to like, I tried to do my best, right? Like, I went on a bachelorette trip, like a couple weeks ago. No, no, no, no. Hear me out. Hear me out. I'm here. Right?

So I went on this bachelorette trip. She called off the wedding. So, like, how am I supposed to tell her no? two of her other bridesmaids said no. How am I supposed to back out at this point? So I took the security deposit for my old place. If they said no, why didn't the, the, the, the girl called, like, unbooked or whatever? Why didn't they re?

What's the person called? Not a groomsman. Bridesmaid. No, what's the primary one called? Bride. No. The bachelorette. Oh, wait, no, I have it wrong.

This is the person, the person, the number one in command, the one planning. the party. You know, her best friend, typically? Typically, but she did not. Oh, she did her herself? If two of her friends couldn't, if two of the people in the party couldn't go, why didn't she just restructure it so she could get everyone around her? It would have been nice to do that. I think because she had like just called off her wedding, she really needed to get out of two. Yeah. Did I miss that? I think you missed that. Yeah. So it was a bachelorette. And then like a month before the bachelorette, it became just a girl's trip because she called off her wedding. Well, now it's Dumb.

So, now it's beyond dumb. No, because everything was already booked. How much did you spend? $400. That's dumb. It came from the security deposit. And again, you probably could have afforded it and we probably could have made it work. But again, if we have $0.000 in a checking account, we can't pay a $1,000, $400 on some little girl's trip.

Would you guys go? What did you do? What was it? We drove to Orlando. Her parents paid for five nights in Orlando at a resort. The parents were already paying for it. For that part. So what was your 400 part?

It was for gas to get there. We stopped in New Orleans. Hold on. How many people? It was just me and her. Oh, that's not a gross. This is like. And well, and another girl, but she flew because she was pregnant.

So she didn't want to like do the whole. The whole like, it was like a 16 hour drive there and back. If it was $400. That I think you could have flown there and back. But that was for gas, all the food that we paid for multiple hotels. Yeah. It was that. Wait, I thought you said they paid.

Okay. They paid for Orlando. But we drove there. So we stopped in New Orleans. What did you guys? Stop. What? We stopped in Alabama to see one of the girls that couldn't go on the trip.

And then on the way back, we stopped in Gulfport, Mississippi. Yeah. So it would have been better to fly probably. But at that price. At that price. I mean, yeah, but I guess like at that point, like, we had already planned to do that and, like, book the hotels. We weren't going to, like, switch it around. How about planning to pay your bills?

I know. But, like, it, in my mind, it rolled out because I used the security deposit for my old place for it. So, like, in my mind, I didn't actually spend money on it. Gosh, I must stop with the, you got to stop that. I understand, listen, you're not trying to justify what you're doing. Now you were trying to say it was girl math. So it was like it's past dumb. So I'm not going to murder you for that.

But just shut up with that going forward. Don't use that in your life. It's stupid. Just stop. Okay. But I want to focus on the security. You use the security deposit that you got back? Mm-hmm.

How did you pay for the security deposit in your current place? Because usually you just move it over. Your brother paid for it. So, yeah. So my brother paid for my movers and for my move. The nice brother apparently. Yeah. Do you owe him?

No. He has one caveat to giving me money because I lost my job in December. What was your job? Here in Austin? Yes. How long have you been in Austin? Are you from Austin? I've been here for two years.

I got a job before I moved here. I moved here for that job. What was it? It was an executive assistant position. Why did you lose it? I could not work there anymore. It was not going. to be a good situation for me anymore. So I just, I could not keep doing it. He was trying to make

me add even more people's work on top of my workload and it was just, it was going to be impossible. So that changed a lot of my financial situation because like, well, you quit. You weren't let go. Well, I made them, I made them fire me because I was like, I'm fine with staying here in my current capacity. But if you're going to ask me to do all these other things, no, I'm not doing that. Okay. Well, that's fair enough to fire you. If an employee says, no, they're not going to do the work, even if it's more work. Yeah, that's fair to fire you. Yeah, that's what I thought too. So, you know, I was like, you know what? I think mutually, this is just not beneficial for either of us anymore. But you were done with the job. That's also fair for you to quit if you don't

like a job. However, in that situation, I would say, let's make sure something's lined up first. See, because did you end up getting financially from that? Oh, absolutely. Okay, then what? So, then why not do it the adult way? Have something lined up? What do you, what? I, I, I, a, So I didn't have anything lined up because I wasn't expecting it to happen, right? Like, I wasn't expecting to stop working there. This was like two days after my birthday. I had just gotten like a $5,000 bonus. Like I had just, like, things were going really well.

And he just hit me out of nowhere. I personally think because I had just moved. You were asking to get fired. Right. Okay. It was a PIP that had come through. A PIP? Yeah.

Performance Improvement Plan. Oh. Where essentially my improvement was going to be managing another person. to make sure that they were doing their job. Yes, it makes no sense. I told them multiple times. It made no sense. Not the type of person to back down.

So it was not a good situation. I was renting from him. He bought me a car. He bought me this purse that I have right here. So, like, it was just, it was not a good situation that I have. Okay. You know I have to ask. Was it like?

No, no, no, no. Okay, because with the gift and the this and the that and like things. I know. So why were you fired? Was it ever officially disclosed? Oh, yeah. They gave me a termination letter. What was?

Why were you fired? It was for refusing to take on extra work, insubordination for refusing to take on extra work. Okay, fair enough. Why did you do it the adult way and just go get another job and then quit? There's, I had no time in the day. I was working 60 at minimum hours a week. Like, it was insane. Like, I had no time.

And on top of like my medical problems, like, when I would come home. home at the end of the day. All I'm doing is crashing and then waking up. Yeah, you had a hundred eight hours left in the week. So are we subtracting sleeping from that? Right? And eating and like taking care of muscle. Well, okay.

What's taking care of yourself? Because I obviously. Showering, getting dressed. You can do it in two seconds. No, because part of my job is being an executive assistant. I have to be extremely presentable because that is the type of person that he is. Okay. Like there are $100,000 cars in my garage at this point.

Like, he part, like, his whole idea was that you had to be, this was my one year gift. Lindsay, if you were trying to look absolutely incredible, incredible, incredible, but you rushed it. How long would it take? Oh, see, I don't blow it dry. Quickest? If I could blow my hair out, absolutely. I'm a lot faster than that.

It's like 30 minutes to an hour, depending on what I'm doing. Like, I went to this private Ferrari party that was like the kickoff for the F1. That took me like an hour. This is Euphoria Calvin Klein, the new Elixir Collection, featuring three performers. intense sense, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive, magnetic, magnetic, like a lingering touch, solar elixir, a radiant expression of joy, ultra-concentrated for amplified impact and lasting power. Find your euphoria. Discover the euphoria

elixir collection by Calvin Klein. I'm going to have to get ready for it. But that's because that's like a huge thing. Stop it. But you're, okay, I mean, Okay, mine is eight hours of sleep. So seven, there's still seven hours left in a day. Because the 60 hours was spread across seven days, right? No. Then it's extra stupid.

Then you have the weekend to apply for jobs. No, because we worked on the weekend. Oh, that's see, I just said what I was saying. If it was 60 spread across seven days, then you have seven hours a day left after eight hours of sleep. It's calling an hour to get ready. Wonderful. Let's call it an hour for total food.

because you're meal prepping five and a half hours. You still have left to apply. Cool. You need an hour to relax. Wonderful. You still have four and a half hours to apply for jobs. Well, I mean, I didn't. I don't know what to say.

Well, no. And that's the point, but you were trying to make it sound like it was out of your control. It felt like I. Well, it obviously wasn't. You ever spend way too much on tiquitos just because you're too tired to cook?

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Trust me, you don't want to miss out on this limited time deal. Thank you for sponsoring today's episode, Factor. Now let's get back into the episode. You just weren't being an adult. Were you tired? Absolutely. Do I feel tired after a workday? Absolutely.

Doesn't mean I can't do the things that would be required as an adult. If you don't like the job, you could have found another job. Equal pay? Maybe not. But just something to supplement so you could get out of a thing that you absolutely hated instead of getting by going into the position you got into by forcing yourself to get fired. Yeah. No, I think that's completely fair.

I didn't think I was just in an echo chamber of like their... Of what? He was like... Why is it blame, blame, blame? Why is nothing on you? No, I mean, it was my decision to not continue working there. He told me if I asked for more money, he would pay me more money to stay. No offense, but from this conversation so far, I would have hired you to say if I was desperate.

Okay. Would you from this? I mean, I don't know. I don't know. I don't know. You outside of this, but from these 15 minutes or whatever. I mean, I don't know. I'm not like interviewing.

I'm not like presenting my skills. Just hearing how you talk about work in your life and the deflections and the blames. My current job is amazing. But the way you handled it was like a child. I'm sure that it was. It was my first time in a situation like that. How long in between that job and your new job then? Three months.

Okay. Did you have any savings to exist? I had that $5,000 bonus that had gotten. Okay. Which would have covered three months of this rent? That I was not living there. I was living in the domain. Oh, for a sake.

expensive area. I had to get out of... What was your rent? It was 1450 before like all the amenities and stuff. So once you added all that in, it was about 1550 plus electric and internet. Not the craziest for the domain. No. But still obviously bad for that situation.

And then your brother took care of you. You relied on your brother. Yes. I'm just confused why today making okay money are we possibly at a point where our checking account would be at $0 and not being able to afford the minimum monthly payment on your decreased. minimum monthly payment amount of your student loans. I'm wondering this too. Okay.

Like genuinely. I'm trying. I think that I. I am. I reduced my spending so much. I was making $65,000. I reduced it insane amounts because I was eating out pretty much every single meal. She was paying for my car and everything.

So I didn't have all of that that was added in. Are you eating out still? I do still eat out. Instead of making student loan payments. I am eating out quite a bit. less. Okay, how much? How much? How much?

How much? Dollar amount? A dollar amount? Yeah. Maybe like $20 a week, 30. Okay, $250 was spent on going out to you. So your math is stupid math. Your math is not math.

It's not math and there's no math. I would say one of those was because I think I went to dinner with a friend. Oh my goodness. Because something unique happened. Almost like something unique happens every month. Just like going to Orlando last month. Just like there will be something unique next month. There's always.

Something. All right, fine. So there's always something. So, okay. So I eat out too much and I can definitely cut that out. So I don't, but I, but I, sometimes you just don't have that energy. But then you did. It's not about energy as about being a f***ed adult.

You don't have the energy. But guess what? You know what helps with that? Meal prep, meal prep, meal prep. My, uh, I have a friend and coworker here. Um, he's a loser on the weekends. He refuses to leave his house. but what he does in that loserness

I just make fun of him constantly because he refuses to do anything on Sundays but what does he do on Sunday he meal preps his entire week every lunch every breakfast every dinner and then it doesn't matter if he's lazy and tired after work because guess what meal was already done

just got to warm it up I don't know it was just there's a situation that wouldn't happen again like I was supposed to go to a concert No but there's a unique situation every month it's not that situation would happen again it gets replaced by something else It always does.

The Orlando from the previous. And then this. There's always things to do. Exactly. That's what I'm saying. I know. And it makes it so hard because there's always things to do it. Hard.

Hard. And so I do them. I get that. Okay. You sound delusional. You take the hard things. Hard things always come up in life. Choices come up in life.

And the adult decides what's more important. Me being able to make a literal minimum monthly bill or getting dinner with a friend. And why does dinner with a friend have to equal hundreds of dollars? So what do you? I mean, that dinner wasn't. That dinner was less than $100. Okay.

Then your math isn't mathing anymore because you said the reason why we got to have that dollar amount is because you went to dinner with the friend. That was the only thing you were excusing. Other than that, you said it was $20 a week. If it was less than $100, then you're doing $20 a week eating out, we don't add to that much money being spent. I just. What?

I just, I don't know. I just. What? You can't handle being. called out? No, I can be. I, I just, that's just how I, I spent my money and I don't know what to like say. I just, I appreciate your joy through this, but it's not a silly little he-ha-he-ha-he-ha. I'm not, I'm not, I'm not, I'm not he-haying. I'm not, I'm not he-haying. You thought you spent $20 a week. I said how much you spent and you blamed them because you

went out to eat with your friend and then I challenged that dollar amount and you say you spent less than a hundred. So things aren't making sense. You're either lying, you're either delusional or you don't know anything. I might be a little delusional on my eating out spending. What about your spending on everything else? I think that I'm doing pretty. I try to do good on my electric. I keep it at like the Okay. What about things that aren't necessities to keep you alive? How about that? I am doing pretty good, I think.

Uh-huh. Like I have three-ply toilet paper. I think that's good. Okay. Miscellaneous bullshit things that could be in-aff spending. Could be anything. It could be a video game, $428 spent. So what the fuck are you talking about? Okay. I do. Oh, here it comes. Okay.

I do partake in legally acquireable activities. Uh-huh. And I would imagine. That's $480 a month. I would imagine that's where a good amount of that is coming from. Okay. I don't know about all of it, but. Congratulations.

Yeah, destroy your lungs. That's up to you. But guess what? You're also destroyed you. You're choosing. green. That green. I use it as a medication.

Uh-huh. Prescribed by doctor? I do use it recreationally as well in Texas. Well, there you go. So I don't give a shit if it's a medicine if it's not prescribed. Here's the thing. Like, okay, not legally prescribed. Okay.

There we go. Perfectly fine for me to keep doing it. Oh, no, no, no, no, no. That's different. Did they say it's perfectly fine or do they encourage you to do it? Yes. Okay. They encouraged me to do it.

That is different. They would much rather me do that. and beyond the prescription meds. Oh, okay. Listen, and if that's between you and them, okay, so how much of the 480 would be from that then? I would say probably like... Because you spent more on groceries.

I would probably like 300 of it was from stuff, right? Was it more? Was it all 400? We haven't, we'll go through and we'll find out. I think it's more than half of it. Yeah, I think that's accurate. Uh-huh. You know, medical, that's a different thing. But you also said you do recreational.

And if there's recreational, and to you that that green is more important than the green that you owe the bank for the stuff you agreed to take out and sign a legal contract, then you're just being a child. The medical's different. Yeah. The recreational's. Yeah. It just gets, you know, sometimes you just go out and eat. I don't know. Huh?

Whenever you're like, you know. No, I don't know. Activity sometimes you just go out and eat Huh? What, munchies? Yeah. Oh, you're stupid. Okay, come on, dude.

That's where part of the food is probably coming from. Obviously, you can't control it then. No. Don't be. I don't care. No, I can control it. Then don't go out and eat if you get the munchies. Don't be a four-year-old.

Well, they are expensive. So what I tried to tell myself was that I deleted all the delivery apps and stuff, Right? Because that's all way to expensive. Here's a tip from our pothead in chief. So if you... Here's a pro tip, he says. Make dinner before you get high. Then you'll have a whole meal right there.

Right. But of course, you only spent $200 on groceries, so probably can't do that. $200 in the month? Okay. I guess I'm getting less groceries than I thought I was. But I... Because you eat out constantly. I...

And you'd be probably too high to know. I personally felt like it's better to get groceries to live. delivered than it is to like go out and eat. $200 in groceries. $200 in groceries. $200 in groceries. $200 in groceries. I'm trying.

No, you're not. You don't know what that. This is way reduced spending. From what? From before whenever I was making crazy money. Like this is me like. Oh, but that's obviously. Hey, no shit.

That's what has to happen. If I get a pay cut, if I, if the business doesn't do it as well, I spend less money. That's a requirement. That isn't a requirement. a pat on the back. You literally did the basic minimum. Oh my gosh. You're really an absolute child.

If you think you get a pat on the back, a hug and a sticker for that, well, we're not in middle school. You're doing the basic adult requirement. I'm so confused. I guess. Oh my gosh. You are actually a kid. You're actually a child.

I just like the bit of a bit of a, but it's just like I am trying. I don't know. No, you're not. I, okay, I can, you feel, you feel like you're trying. Yes, I feel like I'm trying. I feel like I could baby try harder. Meaning you're rewarding yourself mentally with a mental pat on the back that you're doing the basic minimums. You're calling that trying.

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Listen, private student loan. it's up $30,189. The minimum monthly payment right now at $220, what is it going to go up to in $0.38? I was paying $600 total between the two different. Because there's two accounts. But is the $220 for two accounts? Or is that just one?

The $220s for one. That's one of my accounts. So they sold it to... Oh, f***in. I have another account. Yeah. And then I have the government loans, too. So all $75.

Oh, wait. No, no, no, no, no. No, that I think, wait. Wait, whoa, whoa, whoa, hold on. What's? There's another account. No, statement totals, $220. That's one.

They just sold it to them last month. So this was my first time paying this company for that. Okay, so that's this company. Yeah. What is the interest rate on this? Do you know? It was before I had changed it. It was variable.

So it's between 9 and 11. Yeah. 10.9 variable. I don't have a single loan under 9. Yeah. Yeah. 11% student loan for a degree we didn't inquire. And that's fine.

I also dropped out, but I don't have 11% death debt for it. Yeah. I didn't really know, like, student loans. And my mom went to college. on like the Pell Grant and everything. So, well, I also agreed before I got. I was the first one to get student loans too.

That doesn't mean I didn't understand. What? I mean, I just feel like I didn't really understand what I was going into. Okay, why didn't you understand? Do you think? I was waitlisted at Virginia Tech. I got off the wait list for FASPA to process everything. Okay.

So I agreed without knowing how much FASPA I was going to get. Okay. Because the original college I had agreed to go to. I was going to do a three-two program. This is the issue with college, man. I know. You see the college you want to go to. It's the dream school.

You get in, then you will literally sign any piece of paper in order to be able to do. And that's what I don't like. College should be about the education that you get for the skills you're trying to achieve, learn, so that you can get the job you want to get and become a well-rounded person. That's what college is. It's not about the sports team. It's not about, you know, all that extra. And then you just sign this unlimited debt.

And this is why, I don't know. That's why, like, trade schools. and certifications through companies like course careers for tech certifications. That's what I like. I'm personally, I agree with that. I went to college. I did my biological sciences. I was published on a project.

I learned that that's not what I wanted to do, everything that I thought I wanted to do. Wait, what did you want to do? I wanted to work in a lab. I wanted to. And then what did you determine? I determined that I did not enjoy working in a lab. And I didn't enjoy research. I didn't know.

I got into a bad relationship and things kind of like when. downhill. Okay, so far, you've done victim for everything so far. So tell me about this bad relationship. Let me assess a bit. I wouldn't say it's victim. I'm just saying that I was a little preoccupied doing something else, so I didn't really have time to think about what I was going to do with my life. I had no financial control over my life. He sold my cell phone at one point so I couldn't contact people. My mom came down in 2020 one month before COVID lockdown and took me back up to Connecticut and was like, this is not a good situation. My mom drove down to Virginia. Tell me about the Tell me about the situation.

It was a guy that slowly expressed a lot of control over my life. Okay. Were you not able to advocate for yourself? I wanted to be independent, so I was attempting to do that, but he kept finding ways to undermine it. How? I want to, I just want to hear how he trumped your independence. Over the summer, right, he wanted me to be in the state that he lived in so that I could be near him. So I tried to find.

request of a significant other saying, hey, I would like you to live near me. So I tried to find an internship in his state. I could not find one. What state are we talking? Maryland. Okay. And so his response was, well, you can't go home for the summer and you can't stay here for the summer. Like you need to come to Maryland. Like we have to figure this out.

So this sounds like, okay, first of all, was that the exact thing? Because again, if we're dating, it is reasonable to say I would like. you to be with me while we're dating. But if it's like I put a gun to your head, you're gonna, I'm gonna, like, destroy you if you don't live with me. That is different. And saying, hey, we need to figure this out as a couple. You need to be with me. That inherently doesn't sound like the worst thing. So what was it? Apparently, it doesn't sound like the worst thing. Exactly. So what was it? He leveraged that to then get me to- what leverage, well leverage. Like, leveraged wanting me to be in Maryland. Of course. Get me to Maryland.

I was there. He made sure, like, things went really bad with his family. Okay. And so he, like, things got kind of crazy. What? And so we went back down to, like, with his family. Like, he, he failed a drug test. I get it.

Listen, I wouldn't be digging into this as much if throughout this conversation so far, you didn't make it sound like you're a victim and everything. So I want to, I'm not saying, well, this is why I'm digging into this. But I'm exactly. And I'm trying to figure out how. How are you a victim? them. I didn't because he sold my cell phone to make sure that I couldn't contact people. Yes, which is weird. Okay. He was blocking my family. Let's talk about that.

D&D. He was cheating on me. Like, do not disturb. Like, he put my sister on D&D so that I wouldn't see her text. So he kept taking your phone. Like, oh, yeah. Okay. My family would come around. He would be like, oh, my grandma died. So I'm like in a bad spot and he needed to hang out with me. He told me his sister died. So it's very manipulative. A fake sister died. So it's insanely manipulative. When did you learn it started to be manipulative. When we had gotten back to Virginia after everything happened in Maryland. And at that point, my mom... Hold on. Hold on. So how long was that manipulation going on before you realized it was going on? About six months before I found out. Six months before you found out, he was deleting contacts and blocking people?

Yeah. And then six months before I left him after that. Okay. Why did you not break up the moment you found out? I personally felt like at that point it was like the sunken cost fallacy. Like I thought like I had gotten myself into that. situation. That's on you. That part's on you. Not being able to advocate for yourself as an adult. Like, if you can't advocate for yourself, then you shouldn't be dating. I, no, I would, I would agree with

that assessment. But I mean, that's what I was doing. I was 20. Like, I don't, you know, I was young. This was my first, like, relationship in college, you know, this is. What he was doing, don't get me wrong, not even close to defending. What he was doing was, but when we learn that, it got to run. And you can lean on family and you can lean on friends and your mom got you out of there. So we know you were able to. But you say because I was in this relationship for a while, I'm going to stick it out. That is just, you know. I know.

At the time, my mom and I were not on good terms and, like, things were not doing well. And, like, that was her last draw of, like, coming down and being like, look, you do. So he took your phone and sold it. And you just didn't see it. No, no, I told him every single day. I, I needed it. How did you get your phone? So he, I wasn't allowed to work jobs because then.

Through him. He said you could not. Yes. Okay. The moment I hear that I'm done, the moment I hear that I'm breaking up. Because that is controlling. That is weird. And don't give me wrong.

He is f***ed up. I know. But by the time we had gotten to that, I was already financially dependent on him. Uh-huh. And my mom, like, I didn't, she wasn't a person that I could go to at the time. What about your friends? About anything, did you have any support system? Be real with me.

At that point, like the way that you're addressing it right now, how I'm a victim, right? That's how I think my friends are going to respond whenever I tell them all these things that he's doing. Well, wait, why? Because now it's my fault that I'm staying in this and being. Well, hold on. Hold on. If they're good friends who know how to listen. The only reason I thought about the victim thing is because you said it multiple times.

So the only reason your friends would do it is if you did the, you know, cry wolf thing constantly. Or if you came to them and this being your first time saying, hey, here is the situation I'm dealing with. Can I crash on a couch for a little bit? And, you know, maybe score some of the groceries for a little bit. Can I do that? Unless you're calling victim constantly and then they're starting to realize, oh, wait, she just calls victim a lot. then of course they would support you. If they wouldn't, then they're not good friends.

I agree. I just think it's a very difficult place to be in because of course. I'm not saying it's not. It's incredibly embarrassing to admit to all of the things that happened. But what's more important? So at that point. What's more important being embarrassed or someone who's literally stealing a phone and selling it? I'll say at that point, like I did not think I was going to be, you know, in the world for too much longer.

Oh my gosh. What? You were going to do the S word? Is that what you're saying? Either he was going to do it to me. You thought he was going to. Why did you not go to the police? I just, I, like he, he didn't lay hands on me until my mom came to get me.

Oh my gosh. This is wild. Listen, I'm very sorry you've been through this. Again, the only reason I'm digging deep is because we talked about, you know, with, like, if you said this at the beginning, I wouldn't have dug deep at it. It's only because of the conversation we've had so far. I know. So I'm just trying to understand it.

And you are correct. That was a bad relationship. He was a fucked up person. I'm just trying to understand then at that point, gosh, I want you to get away. It's okay to be embarrassed. It's okay to lean on family. I know. It is okay to get out of that situation.

And I need people out there to hear that as well. And I know that all now, but like he, so I wasn't allowed to work jobs, right? So I wasn't paying my rent. The fact that the, okay, I'm going to, fine, I will say this to you. If your significant other says you cannot work, leave that relationship. Absolutely. If they say they're going to kill them. themselves if you leave. Oh my f***.

Kew it. Okay. Leave them. That is their decision. That is not okay. Okay. Let's move on then because that. But so he, we, he ended up, we, we sold a lot of my clothes and things to get money and different things like that. So then in 2020, I basically like had to rebuild everything that I owned, had to pay off like a whole bunch of stuff that I had to be paying on. So I started really rough on my finances there. And then I was paying rent while I was living with my mom. So it was, I really defined. to save, so then I moved out here to Austin, and then everything happened here. So...

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It can seriously be a financial game changer. This is a paid endorsement sponsored by Money.com, which is compensated by its marketing partners. Hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, this. No, no, no, no, no, no, no, there is, no, no, no, because, because, because, because, because, because, because, because, because, because, because, I am seeing estimated interest accrued since last statement, $15, $15, $187,000, meaning this is doubled. doubled doubled since when when was the last statement because that is literally what it's putting next to it well no this is a brand new they just sold it to this company so are you telling me you borrowed 15,000 it's gone to 30,000 for this loan I don't think so I don't think so I think that's the same because

it's a brand new like they just sold it to them listen estimated interest accrual since last statement and the number next said as $15,287 and $18. Was it zero before that? I can't see because I'm looking at this statement and all I'm reading is estimated interest accrual since last statement and then that number. I think all that's saying is that like that's how much interest I have on the total loan because this was my- The total loan of the $30,000 loan because the estimated outstanding.

Wait, wait. Wait. Because estimated payoff is $30,189. And that's what we got. That's what we wrote down. Estimated interest accrual since last statement, $15,287. And that's just one of them. And I don't know what the last statement is.

What was the last statement you got? Was it the original? Was it when we were taking these? It was from Discover. Was I don't know how much it was, though. I'll be honest. Okay. Hold on.

I could pull up to scone. Yes. That has to be it. Because all you borrowed was 9,700 from here and 4,293 from there on this loan. Because I have another account. That's great. That's a different account, though. I'm looking at this account.

This account was $15,000 borrowed, but it's $30,000 owed, meaning it accrued $15,000. And the way it possibly did this because it's been sitting since 2017, 2018, is because you keep going on these low payment things, allowing interest to accrues that are making any, any attack towards interest or principal. So you've allowed yourself to get $15,000. When I was at my last job, I was. making over the minimum payment. So when I had the ability to, I was trying to.

For how long? For how long? About a year. Okay. Again, we're talking since 2017. I know, but I was in college then. When did you drop out? The spring semester of 2019, I stopped taking time.

So 2019, this has had five years to accrue. Even if you, even if you were paying decently for a year, this had five years to a crew. So I am not surprised at all that. this is doubled, doubled. Which is insane. You didn't know that? How'd you not even know that? You look at the $30,000 and you didn't even know that?

How do you look at the $30,000 and I don't even know that? If it started at $15,000 and you see $30,000, how do you not know that? How do you not know that's not double? And you see there and you're sitting there and you're looking at $30,000 and you thought it was $30,000 all the time? You didn't think that doubled. You didn't know what your balance was when you first got it? What do you mean?

How did you not know it was doubled? It's a double the number. I didn't, I don't, I feel like that cannot be correct. It is correct. It is correct. Because I just, like the last time that I looked and I went through everything. When? Probably like six months ago.

Okay. Uh-huh. Like, that's not what it looked like. Like, I mean, yes, I was paying like. Well, then you didn't. Look at the numbers correctly. You need to go through our debt class to understand your debt and how to go through your debt. Know what is good, bad, how to utilize good debt, and how to get out of bad debt and different strategies.

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You didn't. I, you don't know how to even look at your numbers. So please go through the education. Please for a, say, go through the education. And I'm sure that whole like 2%, because I think I'm at like a 2% rate right now. now for six months. No. No?

No. No. No. No. I'm at 11. I'm at 11. Half of it is at 2.7. Half is at 11.

You don't even know. You don't even know. You look at your statements. You don't even know what you're looking at. Oh, for sake. When they were with Discover, they were like that. I don't give a shit about Discover. I literally only care about what's in front of me.

I know. But I just, I have not looked through for me. Why? Because they just sold it like last month. Why didn't you look last month? It's stressful. You know what's more stressful? Being late and accruing fees and having your loan.

Double! I think that's stressful. It's stressful to me too. I'm the one that has the debt. Look, and figure it the fuck out. It gets more stressful longer. You let it sit. I'm a little stressed so I don't look at it.

Guess what? It gets more stressful when it's worse later. Okay, so we have this loan $4,000, this loan $9,000, this loan, $7,000. loan 8,000. But total estimated because they didn't start there. This one started at 7,000. This one started at 7,000. That one started at 8,000, 8,000. But total estimated interest accrual on the first loan, 2,700, 4,900

on that one, $4,000 on that one. Jesus. So like half of the loan is... Yes. Literally, per day, per day the interest that's accruing now that you got And most of them down to 2.7 temporarily. But 4,000 is still at 10.9. Yeah, you're going to like $3 a day in interest.

But it's going to be like 10 to $20 a day in interest in like a month or two. I know. I just, it's honestly crazy to me that it's legal for us to do that at like 18. Like I just think that's crazy. How? Do because like you're essentially. a child. They restrict you for pretty much everything, right?

That's good. And as soon as they do, they say, here you go. You were essentially, you're a child at 18. Okay. Then you shouldn't be able to drive. Then you shouldn't be able to vote for the future of the country. Then you shouldn't be able to serve in the military. Then you shouldn't be able to work at a job because you wouldn't know how to advocate for yourself. If you were working with co-workers and having employees, then you should be coddled by your parents and you shouldn't be

allowed to go outside. You shouldn't be allowed to go to college and live on your own if you're a child at 18. If you're going to infatize yourself, then you have to emphasize yourself across the board. I'm not saying me personally. You just did it. It shouldn't be legal because you're a child. If you can't sign a piece of paperwork

because you don't know how to read words, then you shouldn't be allowed to do all those other things either. You shouldn't be allowed to do it without them teaching you about this stuff. Teaching you? Teach yourself! If you're expected to do all this other shit, you can learn how to read numbers. Isn't that why there's an entire like H&R block

like an entire industry there other than, lobbying is because they make it purposefully difficult so that you have to pay people to do these things. Pay to read a stupidly. But when I signed up for student loans, I knew the number I was at least getting. I knew the total number that I was getting. And I knew that it was going to be a variable rate. Then what are you talking about?

I didn't know that it, I didn't know realistically where I was going to end up. Nobody was like, this is how much you're going to be making when you graduate. Well, no. Can afford like blah, blah, blah. Like there was no classes for that. There was no, there was no nothing. I was just okay. Well, hold on. Hold on. Hold on. First of all, even though they're not always the best, you can talk to advisors at universities that will at least if you ask the questions, they will answer it, whether or not they'll, you know, tell you without you asking, that's different. And then there's advisors at high schools as well. You can also have this, oh, what's it called? This interesting little thing called Google. Yeah. It's really curious. I thought I was going to work in a lab.

how much does this person make working in a lab? Okay? Okay. Okay. Don't get me wrong. It is hard. And we set up people incorrectly. We set up people where it's like you have to go to college.

Don't give me wrong. We set up people incorrectly. But you're infantizing yourself. Again, I'm not fully against what you said, but the fact that you said it should be illegal because you are, you're basically a child and you don't know what you're doing, then you have, then you have to take that across the board. You cannot do all that other. as well. I agree. I agree. It would be like that. I think that you should step kids up in

responsibility and give them more. I just, I don't think America does that agree. No, the process is quite bad. But if you're just infatizing yourself, you know, endlessly, then this is like, what's the point? Again, this is more victim stuff. And that's what I don't like. All right. Accountability then. I signed up for these student loans. I need to make sure that I'm paying them. You're good with it being accountable? Yeah, absolutely. Okay. So you would be an accountable citizen, meaning that you pay your taxes? I am filing them when I go home in two weeks. Huh?

You haven't paid taxes in two years. I have not. I have not filed taxes. You don't even own a business. So there's not even like a good excuse of, oh, I just kind of forgot. W2 is plug and play. Yeah.

It's the easiest thing that you could possibly do. So what I did, I filed for an extension. You're probably someone that thinks that you're owed all these extra little benefits, but you don't even pay taxes. Absolutely. not. I'm not taking advantage of any government services, nothing. I use the smart, but that's it.

We don't have access to anything. Yeah, that's right. You use the smart. She uses the local subsidized housing, but she won't pay her taxes. She uses the roads, but she doesn't pay taxes. If she gets laid off, she'll probably file for unemployment, but she doesn't pay for taxes. I didn't get unemployment when I was an employee. If there's a fire, I bet she's going to call 911 and request fire services. I bet if someone robs you, you would probably call for the place.

please. They wouldn't pick up. It's APD. So I feel like you probably exist. You know, what if, uh, why go down that road? They're just going to charge me more for it. Like I'm just going to end up paying more for them.

Yes, you'll pay penalties. Yeah. So they're just making more money off of me. It's just you being responsible. That's what I care about. It's you acting like an adult. But you didn't. Why haven't you for two years?

So I didn't because I had filed for an extension that first year. Because I saw my Connecticut taxes and they were insane. Okay. So I filed for the extension so that I would have time to pay them off. And then things got like insanely crazy at work and I completely forgot about the October 15th deadline until after it was done. You just have no responsibility. And then I lost my job and I was scared to file them because I knew that I still couldn't afford them. And then I was-

Well, there's hardships declarations at that point. But what there is, Google, my God. Gosh, why does no one have the ability? I'm so curious. If I, one second, one second, I'm about to tell you, whenever I have a problem that comes up and I just like, I don't know what to do, I literally just try to seek some information to figure out what solutions there are. You didn't even look to see if there were solutions.

Yeah, that's fair because I didn't think that they were. I thought that I just, well, how would you know without asking? I will never understand this. So many people on the show is just like, I didn't even try to find out if there was anything. It's not a question that I knew to ask. No, not even that question. You wouldn't know that question and that's fine.

But looking for solutions, you would have found an answer. That's fair. That's fair. Yeah, no. I just like, I was just like, no, I can't. Yeah, no, there's only seven hours left in my day after we did the math. Ah, but I'm too tired. Ocar and possibly type something into a search bar.

I was busy. Busy. You had extra time. Yeah, I just would, I guess whenever you're all, What are you out there raging on 6th Street, seven days a week? Oh, God, no. Okay. Then you're fine.

When I first moved here, but not anymore. Yeah, you were probably fine then. Yeah. Unless the other, whatever, five to seven hours, whatever it was, we determined you were at a restaurant, which wouldn't surprise me. I mean, yeah, in some of that time I was doing, like, free things, but I, I, no, like, free time things. So filing your taxes, how much do you owe? I have no idea. How much did you owe before penalties?

I owed $1,000. to Connecticut and no money to Texas. You could have done a thousand dollars at that job. So a thousand dollars is all you back owed? Yeah. You are a ritual child. That's why I applied for the extension because at that very moment, I didn't have the thousand dollars to pay.

So I was like, okay, let me file for the extension. I'll be able to save up for the thousand dollars. Stop hitting the damn table. Sorry. It's okay. So I was like, okay, I'll be able to save up for the thousand dollars. And then I just... just, I guess, fell off.

I wasn't responsible enough to make sure that I completed it by the deadline. Mm-hmm. And then I rolled into last year and I got me more freaked out. Oh, is that it? Probably. I don't know. I thought that it was going to be crazy. And then I read on the internet that like they come, like, they'll put you in jail for

the third year. So I was like, freak. But my mom knows a tax guy who knows Texas. They're ready to... Okay, okay. I mean, they'll... The IRS would much rather get their money than put someone in jail. Trust me.

They're actually quite chill if you work with them. Oh, okay. Yeah, I got, like, really stressed out. So I was like, okay, mom, we have to deal with this when I come home. You're 26. Why are we still relying on mommy to help pay taxes? Just to make sure that, like, I'm doing everything right. And she knows a tax guy, so he's going to, like, help me to make sure.

Well, I'm okay with that connection part, but literally here you could have found a C. that would have spent like five minutes on this probably. Yeah, but they cost money, right? They do, but again, they wouldn't have been a lot. Oh my gosh. Okay. Discover. We have a Discover card.

Yes. I do have a Discover card. For a sake. Oh, my, it's. Oh. Yeah. Yeah. So it's...

Who do I have to punch right now? This is crazy. It's over maxed out. It's over maxed out. It's over f*** maxed out. It's over maxed out. It's been over maxed out for a while. What's a while?

And why? At least three months. Oh, for that I think, why? Because I keep putting large amounts on it. Why? It keeps hitting and taking it over. So don't put large amounts on it then. What do you mean?

Don't I have to pay. Oh, you mean payments? Yes. Yeah. No, no, no, no, no, no, no, no, no, no, no, no, no, no. If you were below the limit and you were just even putting just the minimum of the payments to it, the interest, the way the math works is you would still, still make progress. Even if it's like $5 of progress, it wouldn't have put you over.

You had to have spent on this. Or you, or. Or or or or you didn't pay towards it. And then fees happened and fees will push you over. But there is no way you were making the payment and you went over. There is no way. No way. I definitely.

No, there is not. I think what. Not on this card. This isn't one of those cards that gets you fees on a monthly basis. There is no way unless you were already over. It maxed out while I was unemployed. So I've been paying like large amounts to try. Okay.

There we go. If it was already maxed. out that's different. Yeah, it maxed out while I was unemployed, so I've been putting like $300, $400 towards it and then at the end of the month, the interest hits and I'm still over. Well, the interest is $119, but the minimum is 140. So again, it's still putting $300, 400, 200, 200, 200, 200. Interest is here so far. It's under 25.24.2%

interest, right? Which for most credit cards on the show isn't actually the worst. Usually like 5% more. Interest is here so far $1,000 is allowing yourself to get. Why is this max out to begin with? Because I was unemployed, so I was putting like utilities and like groceries and things on it while I was unemployed. You're unemployed for three months. Plus you had 5,000 hours. I'm confused.

Your spending must not have stopped. Well, I also like I was, I had the $1,500 rent at the time. So even with that, that doesn't cover all the months. No, I get that. But that wouldn't lead to this max out. I paid to get out of my rent. Oh, to break. How much was that?

Yeah, that was the entirety of the rent. So that was $1,500. And then I had to pay for movers. because I have medical problems. I can't move. You don't have friends? Any of my stuff, no. I didn't have anybody that could help me.

He would rather pay for it than to do it. How much did you pay for movers? You can't afford to pay for movers. It was like a thousand dollars. What's your medical issues? I have a herniated disc and a few other things. Okay. So I have issues with, like I can't carry weights and, you know, walking and standing.

So I was in a wheelchair for most of like, for a good, like, last year. Yeah. That's wild. So I'm. I'm glad you're not. Part of why I'm struggling. is because, like, I used to work food industry, right? So, like, I would just, I would just get a bartending job and pay all this off.

Like, that's what I would do, except for the fact that, like, once a month for, like, three days, I cannot get out of bed because I can't walk. And then on top of that, like, it's whenever my back flares up, I don't really have a choice on when it does stuff. I do my best. But it's about once a month. But it's about once a month. Wait, we could do some remote customer service jobs after hours, though. Okay.

I mean, I just, I hadn't, I, I've looked into things around town, right? like Planet K and just things that would be more chill and that would maybe be more willing with my issues and I just like they don't want somebody that can work the hours that I can work because I worked six to or nine to six at my current job so yeah you might have to like shifts see if you can get like a call center job something like that okay I mean I would be open to that it's not going to be great pay but it's this extra yeah if you're concerned is to actually pay down the debt much do you write you lie in your brother um not any more. I haven't taken, I haven't taken any money for him since June. But he got you the car?

It's his car. He owns the car. And you drive it when you need. He takes public transportation to work. And then you, okay. It makes him like, it makes it well, that's fine. So it's just better for him to I mean, that's okay. I'm just, when I'm done with, without your brother, I don't know what you'd be doing in life. Oh, I would be living in Connecticut. That's why he, he didn't want me to have to move home. So, but he also didn't want me to move into. place. What are we affirming? We have a firm. Switch dental. Yes. So that is my retainers. I clench my teeth so hard. I break them sometimes. So I have a very fancy. I have very fancy retainers, top and bottom. But I mean, like my, so my brother does still pay for like going out things whenever we go out. But that's because he wants to do things. So that's how he's like he is

planning on setting up a bank account and putting me as like a person on it solely for entertainment. So because he, he, he, I know of all the things that are going on around town. So he would rather me just buy the tickets. So he doesn't have to go and then just be like, hey, we're going to this. This is so weird. He just, he just, he's a dink. Like he just, he has so much spending money. He just, which is great. Maybe he should spend it. It's weird. I just, if he wants to spend it on doing things and he did they both work remotely so they don't have a ton of friends in town so it's just it's the the account thing's a bit weird where he's going to give you a fun account like you're no no no it's not for me no it's for it's for events that we are going to together like if we're going

home hitting the table we're going home i'll buy the tickets and it'll be through that account so then i'll just send him the itinerary he doesn't have to worry about it type of thing if you saw your high yield savings rate dropped down you need to keep listening the fed just started cutting rates with more expected to be on the way, potentially even dropping all the way back to zero. Even I got a notice for my bank about the cut. So if you see your savings rate already shrinking, it's time to take action. You can lock in today's rates with U.S. government bonds for one, two, or even 10 years. Right now, a one-year treasury is at 4.2 percent and a 10 year is at 4.1.

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So you're still a personal assistant. Yeah, essentially. Okay. So you owe $211 on the Switch Dental. It's a 23.14% interest rate, so it may as well be a credit card. Yes. What's the minimum? Um, it's 78 or something like that. It's like $80. I have.

It was 750. So we're almost done with the yearly. It'll be paid off in January. That's when the last payment is. I deferred it one time. Why? Because I didn't have the money because I was, because of the unemployment. But not having an emergency fund is an emergency. Why would you try to get fired before having an emergency fund? I couldn't stay there. If I could stay any longer, I wouldn't have, like, ended up in this situation, but I could not stay there anymore. And you can't tell me?

Yeah, I have too many NDAs and things, but. Okay. Oh, for sake. So are these federal student loans? Yes, I believe so. So more student loans. Yeah. Okay.

Oh, my gosh. Yeah, that $15,000 is the other discovered one. Well, these interest rates are lower, but we still just have so much. So, dude. What? These are income sensitive. Yeah, so they're subsidized and unsubsidized. And then I also took the Perkins loan.

Oh, wait. Oh, shit. Yeah, you're not making any payments because of the income? You know what that's done to them, though? Oh, yeah. The interest is probably insane. I'm sure. Well, even though the interest rate's actually low at 2.74, they've gone from $15,000 to

17,161 because you're just doing nothing. And the thing is, it's being challenged in court. So this kind of status could be thrown out. Who knows? Or, you know, a different administration comes in. And let's say the person overseeing the Department of Education is just like, you know what? That we're not doing these kind of loans anymore.

All of a sudden, you owe more. This is, and they're not bankrupt the ball. It's just so, you're just putting yourself in the risk of your situation. You don't necessarily make bad money as the thing either. So you're just allowing yourself to get for no reason. I, am putting it towards.

the private instead. It would be like $175 is what your payment would have been. We could have done that for the traditional 10-year payoff. I mean, I think I would love to start paying on them. I'm just putting more of it into the private just because of my co-signer. No, you're not. You lowered your, who's your co-signer? It's my mom's husband. You step then. Okay, so you look, what? You, huh? We don't call him that. Sure. My sister has her dad. is technically, we call him the stepdad. Her husband came in when I was like 17. Oh, gosh, there's three of them. Yeah. Okay, 200, but you lowered your student loan payment on the private side. So what you're saying is incorrect. I did.

But because I lost my job. So what you're saying is incorrect, though, because you've had your job now for a bit. I'm trying to get there again. I'm trying to like get back to paying on all of it. But you know what I think about all this? And what I just don't understand here is, we have all these situations and we have relatively easy ways to get out of this. But there's one thing you told our producer that just grubs me in a concerned way.

Okay. You specifically said, quote, I hate Dave Ramsey. I do. Okay. I do. But it's so simple to get you out of this, his little thing. So why? I just, I don't like, because that concerns me for this.

I don't like how he like comes after people morally. I just think that like he is kind of. of like a grimeier person for that. Yeah. Like, morals are subjective. He has his morals. I think just doesn't work.

Okay. You know he doesn't literally mean beans and rice. It means don't go out to eat you, dumb. Yes, I know that. My mom is obsessed with him and she means it quite literally. If she's obsessed, then she knows it's not literally.

Yes. So we used to listen to him in the car, though. Like we would, she would put on that show and the doctor Laura and all of that, right? And it's just. I don't know that. Okay. She's another like a radio person.

But like, and they're just, it's just him like, like, like yelling at people and like, yes, like, what do you think I'm doing? I know you get heated. You get heated, but you don't get mad at me for morally being a person or whatever. Well, it depends. The one of him being like, you shouldn't be living in the house with this woman's daughter, blah, blah, blah.

And I'm like, what does I have to do? What the fuck does I have to do with his finances? Oh, okay. So the social things. Yeah, like, I'm just like, ew, you're just like kind of primary person. If we're talking about morals, well, morals is subjective. I don't care. whatever one's morals are, as long as they're not, like, ruining someone else's life.

That's all I care about. But you don't think morally you should have to pay back the debt that you signed when you're 18? Oh, I absolutely. I do think that I should have to pay that back. Okay. I think that future people should have the government ones waived. I don't mind paying on mine.

I don't see people get mad about that. What's the point of waiving them without changing the process that got them there in the first place, though? I agree with that too. Okay. So change the process before you do that, right? Yeah. Change the structure of like everything.

Absolutely. Then I'm confused. Because, see, that's also what he's. That's also what he says. I know. I just don't like the way he says it, I think. Okay, so you just don't like his... I just don't like him.

Like, as a person, I think I don't like him. Okay, but... But, budgeting is good. It is. It's fine. It's chill. I don't think that my mom's interpretation of his beans and rice is very... Well, she might be stupid.

I don't know. Like, she... Yeah, but I understand, like, not eating out. Like, that is a reasonable request, right? But... The only time you see the inside of a restaurant is, if you're working there. That's a pretty good enough. No, it's not.

Come on. It's pretty entertaining. Well, yes. Yeah, I just, but that's even, even whenever I was working at fast food restaurants, you end up spending a lot of money whenever you work at those places. If you're undisciplined, sure. Okay. I mean, if that's why, if it's not about the pay off the debt thing, then I don't really care. Because that's what concerned me was reading, it was hearing that you said that is like, how are you?

going to get out of debt if you're not willing to follow pretty damn basic debt payoff advice. I think I can. I just don't think I could take it from that man. Okay. I don't think that's the source that I can get my advice from because I'm just going to be like, you know, like, I think who comes from matters, right? Yeah, I get that, but that also just sounds so like, almost a little virtue signally in certain ways. because it's like there's people that I don't agree with on everything,

but that doesn't mean that their good device also isn't good. Like it's bad. It gets really weird as a society and very Twitter-brained. If you don't like one thing about someone means that we immediately dismiss their entire existence, like that is so Twitter-brained. I think that it's reasonable to say because this person has views that I do not agree with,

I'm going to go in questioning the rest of their view. Questioning is fine, But you said I hate Dave Ramsey. I did say that. It was a little, it might have been a little intense. I think maybe hate is not the right word. I think I dislike Dave Ramsey. I don't like his influence on people of a certain age, maybe.

Well, but hasn't he helped like upwards of hundreds of thousands of people pay off that? I'm sure he's talked to a lot of people. I don't know the stats on how many people he's actually helped. Well, in terms of the people that have listened. You just don't like the social aspect, his social views. Yeah, I just don't think I like his social views. He's a bit old school. Yeah, he's a little too old school for me.

But again, it's just like, I don't know. I just don't like the idea. It's a very new school that is just like, if I disagree with a certain ideology from someone, then everything they say is wrong. And that is just so counterproductive as a culture. It's so immature. It's an immature worldview. I agree.

I think it's more, I don't like the things this person has to say, therefore I'm not listening to them. Therefore, I'm not like, I'm not getting into that nitty gritty the way that you know him, right? I'm only listening to the radio show hearing him yell at people. Oh, yeah. Like, whoa, this guy sucks. And then my mom just repeating it back at me like forever while I was living with her, you know? So then it just perpetuates this thing in my head where I'm like, oh, this guy. All right.

Well, I don't care enough. Checking account. Mm-hmm. 470 any balance okay yeah zero dollars was it zero dollars yeah a little was it was it stupid little stupid

it probably was like less than five dollars no it's not even what I'm looking at every single second of your life is spent on both and you come in here and you try to say that you're trying you come in here and you're questioning why you weren't able to make a payment you come in here and you say you had to lower payment because you don't have enough money. You come in here and say that the world is against

you and all this stuff. Doesn't make sense. All of this is bullshit. Going the botanical garden, Amazon, Chinese takeout, Amazon, Chick-fil-A, Uberine, Target. You have your brother's car. Use it. The Target is rarely ever groceries we find on this show. J.W. Mariasso. CBD, great. Apple Bill, Chick-fil-A, Chick-fil-A, Netflix Las Gatos? That might be like my name on it? Is that your name? Uh, I don't know. Is your name Las Gatos?

No. Oh, then, okay. I don't know what that means. What the f***ing you're even saying? Chick-fil-A, Thunder Chef, Home goods, Chick-fil-A, Fire Bowl Cafe, Prime Video, going in and getting some bullshit. Hulu Hut. I don't care, because you still paid the other half.

Dispensary, wonderful. PlayStation, Network. Chick-fil-A, Van Moines out $39. Van Moines-out 25, Ven-moing out 50. Where's all that going? So my friend paid for my ticket to go home. Great. Because she wanted me to come.

So I'm- Teleport. Uber, Chick-fil-A, Uber, in and out, going in and getting some BS, Barley, Ben. Spotify, you can listen to ads if we literally can't pay our final monthly payments, I promise. Torchies, Uber. more dispensary

getting our nails did they're just normal black nails what are we paying for come on this was for a wedding shake shack American Eagle it's all stupid bullshit almost all of it the necessity bills in here are rare

and far between I don't think I have that many it's all necessity bills then you're really a child because it's all bullshit fuck it's all fucking highlighted bullshit guys Well, if I just stop eating out, it'll be totally fine.

And all that extra bullshit. All that extra bullshit. PlayStation Network, Prime Video, Netflix, all the extra crap. The Spotify and the Venomelian out and all this stuff, dude. Yeah, my friends made me back for the Prime. That's supposed to be on hers. Fully, fully, fully. Wait, Prime, Prime, Prime Video?

Mm-hmm. Prime Video and... Okay, get rid of that shit. The other one. No, it's hers. Good. It was accidentally on my cards. Well, stop.

How long? Like three months. But she's paying me back for all of it. She better be. She damn better be. So You're spending It's out of

Control It was $750 At least, right? I'm not mistaken Going out to eat 250 Unknown shopping That's targeting

Amazon We don't know what that was 88 bucks Subscriptions 29 Miscellaneous Bulls This was the gardens The dispensary Apple stuff

Home goods Prime Video PlayStation Network Apple's a F1 TV subscription Huh Stop then Nails in American Eagle

That's all $428 And then other large purchases that's Benway now 75 in hotels of 43. Come on. This is stupid. I don't get it. Why? You have an extra $750 left a month.

Let's take 100 away. Put it towards the 200 you did for groceries. So $300 for groceries. That would give you an extra $600. Like, I don't even have to do the budget. You have an extra $600 left to go towards debt. But that's before we're adding in the student loans coming back, right? Because once we do that, that's zeroed out.

What does it go to again? I was paying, it was, I was putting 350 on one and 150 on the other for my student loans. That isn't zero. So you're saying it goes from 220 to 500? Mm-hmm. Okay. And you're saying that equals 600? I thought it was 600.

You think the difference between 220 and 500 to $600? No, no. I thought that, I forgot that they're charging me the full amount for one of those student loans. I don't even still. Because it was my pain. So, okay, okay, okay. What does that bring us down to? What does that bring us down to?

Let's do some basics. $350 you would have leftover. If you cut out the mislings. USAA knows dynamic duos can save the day, like superheroes and sidekicks or auto and home insurance. With USAA, you can bundle your auto and home and save up to 10%. Tap the banner to learn more and get a quote at usa.com slash bundle. Restrictions apply.

All right. And you need it now only. And even if you still did the hotel. in the Venmoing is still included. You probably have an extra $400. $400. $400. $400 damn.

It's so easy. I mean, that's a reiss. I thought I was going to have less money than that. Let's see. What's your rent? What's your rent? It's $10.40. What's your utilities?

My water's metered. So usually all of that comes out to $110 plus like the pent rent and like all of the amenities and stuff. What's your utilities? Total. Come on. Including the internet. What are we got? Including the internet?

Okay, very good. Gas, room, room, drive, drive. I assume you take care of that. Yes, I do. How much? Maybe like 50. You take care of car insurance, I'll do 75. I do not.

Okay. Yep, your brother spoils you. Total debt. Let's do it after the payment goes up, huh? Just to see. So we'll call the total debt 718. Of course, it's $250 less right now to $270 less. But we'll call it $7.18.

Good. T.P. Fund, anything else you need to survive? This is $100. Okay, necessary food $300. All the meal prep in our debt program. Not our debt program, our budgeting program. And tweak it to your needs. That's enough for a month.

Yes. $250 is enough for a month. We've done it. We've proven it. We've proven it. The H.E.B. you just meal prep it's called meal prep you have pets you said i do how much for pet food um i mean total for like her litter and everything maybe like 50 bucks on okay do you have pet insurance

i do not get it 30 dollars okay anything else how co-pay is medical what what do we got um yes uh well my premium's taken out so that's included because it's what through my yes co-pays anything um yeah i do have a co-pay my doctor's appointments a month kind of vary, I would estimate two. $100? No, no, no, two at a point. So, $80. Okay.

How much for the dispensary? Just medically necessary. $150. Taking 50 of that from the TP fund, you're going to have 50 left for the TP fund, and then I'm giving you 100. You're there, so it's an extra 100. Okay?

Anything else you need to survive? Nails, makeup, whatever. Yeah, I would say. I gave you 50. Oh, okay. Oh, that's how much it cost to get the nails. There you go. Yeah, it's just about what we thought, right?

3,040 comes in, 2,618 to survive. 422 left. It's over what I said. Because he did all that extra bullshit. You kidding me, this is... Okay, go. You need to work as... What?

No, I was just going to say, like, I have Mitt Mobile and all that different stuff, like, trying to make sure that all those costs are low. Well, you, oh, what is your phone bill? Sorry, I didn't have that. I paid like 300 for the year, so nothing. So the Discover card would take 13 months to pay off. So if that is true, then that means this whole process.

The federal student loans, I'd get on a regular payment plan when you're ready for that. 211 for the Affirm 5-5-16 for the Discover. I mean, it's still going to take too long to pay off from my comfort. Yeah, 85 months because that private student loan is so ridiculous, which is seven years. So that's unacceptable. What I need you to do is go bring in an extra thousand hours a month. Thousand? Okay.

Yeah. You can go bring in an extra thousand hours. I promise you can. In Austin, I promise you can. Work around your health. Huh? I don't know. Listen, everything is always easier said than done, but I know for a fact you can go find

an extra thousand dollars a month post-tax here in Austin. I know for a fact. Go work at Summer Moon. Okay. But that's the thing. I can't do those things. Like I've worked in a coffee shop before. I can't get down to those levels.

I can't. The up and down is so physically. Up and down? Yes, because like they store everything below the counter. So you need to work within your means. Yes. You might have to do call center sit down bullshit administrative. Maybe even it's like $10 an hour, okay?

Which is low for Austin. But maybe that's what you just have to cater to in order to get it. But go, you need to bring in a, or do you want to pay debt for eight years? Well, having no fun. Is that the pay off all my debt? Yeah. No, everything but your federal student loans. That's your private student loans.

Your Discover card and you're a firm. I mean, that's long? Yeah. Yes. That's too long for no one to have no paid for fun. You won't be able to sustain that. That's impossible. No, that's fair.

Okay, because, yeah, I guess we're not giving me like any entertainment or anything. Just that $50, right? Yeah. Which is usually just life stuff. but go bring an extra thousand so a thousand four to two month goes for it that takes 25 months we just went from eight years oh my gosh to two years come on in two years you can 100 percent do it'll be 28 you're still younger than me at that point okay so you can do that call it another uh quarter three quarters of a year to get a fully funded emergency fund so let's

call it three years to be conservative and boom your base level you have a fully funded emergency fund so you don't give next time that you don't have a job you have a fully funded emergency fund you have a fund or emergency fund. You do have no bad debt and you start maxing out those retirements. But first you have to just stop being a child and you've been a child through a lot of this conversation. And you just can't do that. It's as simple as you just can't do that. And I'm excited to have you on the follow up channel and see where you go from there. But this is, you follow the budget, go through the education. So you know how to do all that. Go get an extra job bringing an extra 500 to $1,000. I recommend $1,000. Call it a three-year thing. Your life gets the basic and then you

can start contributing 25 or 20% to retirement, 30% towards fund and 50% on needs, which you can do in your current situation even still right now. So this is pretty chill. You just have to go get that extra money. Once you have the fully in front of an emergency fund, you can stop that extra job, even if you're making what you're making now, which your income will go up. But even if you are, you can still stop it and live 50, 30, 20. So, okay, hammer financial score. Stick around for the post show. Some of the stuff that we weren't able to talk about and some extra drama and things that we don't know. The producers are going to come in. They're going to bring it up. Make sure you subscribe to the

membership below. Helps out this channel a lot. Spending in a budget, you broke even. Money actually wasn't spent on debt, but more money should have gone towards debt. You spent $750 on bullshit. Minimum, it was closer to like $850. I'll do three out of ten there.

Debt, not paying your taxes, zero out of ten. Yeah, include that. It's a thousand hours. So the first month will cover that. Emergency fund. Nothing in savings. They're out of time. Retirement.

Is there anything? I think that my old company liquidated it. So like when I left. They wouldn't liquidate it. It's a city. They sent me a check. Yeah, for you to transfer it. Or did you liquidate it?

No, I didn't do anything with the check. Take a look. I don't know. How much? It was like 1,200 or something. like that. One out of ten, you're very behind on retirement. Real estate zero out of ten.

That feels like a stretch. At some point, not now. Hammer financial score isn't for where you're supposed to be for your age. It's where you're supposed to be where you're trying to get to. It's about the journey. You don't have to buy something. You don't have to, but it's healthy for a good overall financial situation. You don't have to, but it is good for it.

Is that because of how they make it? Huh? Who make what? the way that like the whole institution is set up. Is that why it's good to... It's good to go into retirement without having to pay for the roof over your head other than property taxes and insurance. It's also a good way to utilize, let's say you put down $20,000.

Well, all of a sudden, you're getting $400,000, let's say, of the house's worth. That $400,000 is accruing the gain in the marketplace, even though you only spent $20 going down. So good... That's a separate conversation. We'll save that for the follow-up. you're not there yet.

Hammer financial score rounded up one out of ten. Check out all of our education. It's all bundled together right now for 25% off and that's limited. So make sure you guys check that out. No, stick around for the post show. It's going to be fun. How big is that? Actually, we did measure it one time.

What did you get? Like six and a half or more. Oh, that's. So like not, not like, but like, we're not trying to. Six and a half is giant. You do not have a six and a half inch. Don't even look at you like that. Wait, are you being serious?

Yes. Can we get a rule to? Is there you a chair? Yeah, yeah, yeah. To watch the financial audit post show, click the join button below. All right, guys, I get it. You need more financial audit.

So, we've decided now, in our membership below, you get two exclusive, see nowhere else uncensored financial audits. Every month. Again, 384 came in from your job. How much do you think you spent? How much did I make?

384. You don't think you ever spent? Oh, I probably. I guess I did, yeah. Seven maybe, I don't know. Also, three post shows a week for every financial audit. You're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama.

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A member stream every single Tuesday with myself and the crew. He could break up with her today. He's already decided to five weeks ago. He could break over there today. Why is he not? Because her birthday is coming up. The wedding though. Two weeks. Two weeks. Thanksgiving's after that? A couple weeks after her birthday. Then Christmas is only a couple weeks. In New Year's. And that MLK Day. Wonderful human. Guys, she's just not doing. Wonderful, wonderful. human. I do love her. She is a wonderful person. I like her. No, she's a great person. She's a thing. Great person. It's just she can have a great person. We know she's a good person.

Like wonderful, wonderful human. But she's just so into me. And she always wants to hang. No, wait a minute. Wait a minute. Random but frequent private streams with me throughout every week. monthly member raffles for exclusive merch and two exclusive, uncensored, ad-free financial audits every month. And then for those who only go top level, there's Hammer VIP, which comes with everything from Hammer Elite and Hammer Pro,

plus a thank you in the pin common of every public financial audit episode, be an exclusive beta tester on our newest products we're working on. And a custom thank you letter from me personally mailed to you after a year. Members help us maintain stability during the ups and downs of ad rates, and this helps us invests in making the main show even better with every passing month. Join the membership, guys. Even Dave's a part of it.