Financial Audit - She Gaslights Me For 1 Hour and 35 Minutes | Financial Audit

Starting point is 00:00:00 To watch episodes of financial audit a week earlier, check us out on YouTube. Your entire preemptive story of making you the dams on distress. You're lying. You're trying to just can look good. No. Nothing has to do with your fucking X, like you set up for the 10, 15 minutes of this entire conversation. To be fair. You, what a manipulative way to open this conversation.

Starting point is 00:00:24 Download my new simpler budget app to date and take control of your money once of for all. Hi, my name is Ashley. I'm 21 years old. I'm from West Palm Beach, Florida, and this is Financial Audit. Thanks for coming over to Austin. What do you do for a living in West Palm Beach? I am currently a server at an Italian restaurant.

Starting point is 00:00:47 Okay, so high-end Italian or Olive Garden? Where are we in this scale? Because our wage is really going to be dependent on that in terms of the tip level of things. Um, it's a little above like an olive garden type situation. Okay, so you're probably not making that much. What are you making? Assume a lot are tips. Um, mostly on tips. So I make, I just went up from 13 to 14 an hour for my hourly rate. And then my tips I usually make anywhere from like, probably like 600 to a thousand a week in tips. Oh, that's not. Okay. That's not bad. No, not bad. At least for your position. How long have you been doing that? I've been serving for almost three years now, like two, two and a half. Same place?

Starting point is 00:01:29 Yeah, same place. Oh, okay. Very cool. So it's obviously working. This doesn't necessarily mean you have to. Don't get me wrong. But oftentimes when people are serving in the age of 21, sometimes it means they're also in college. Sometimes it doesn't.

Starting point is 00:01:45 What are we trying to do? So I was in college. I actually graduated. You graduated? Yeah, well, with my associates, but. Okay. And what? Um, business administration.

Starting point is 00:01:57 What do you, when did you do that? I, um, I finished in the spring of 2024, so like half a year ago. Spring of 20204 was basically a year ago. Oh, yeah. Well, yeah. Well, by the end of spring, it's like May. And the spring semester. Yeah, yeah.

Starting point is 00:02:11 Okay. That makes sense. What do you plan to do? I don't think we're doing this forever, are we? I try not to. What do you mean you try not to? Like, I want to hopefully maybe on my own business one day. I want to have that freedom.

Starting point is 00:02:25 Business owner. One day. I mean, it makes sense. I mean, you're from the audience, right? Yeah. That's where everyone applies from. And we do tend to,

Starting point is 00:02:31 whereas there's a finance channel. So you get some entrepreneurial things that tends to be more natural just in the audience. But I don't see people go out at the most crazy delusional ways. Why? What is going on? What is going on in general here? Because like, what are we looking at?

Starting point is 00:02:48 What are we talking about? Because I'm going into this blind like I like to. I like to go into it with the audience. Obviously, we're talking about, okay, graduated with the associate's degree, so probably not that much debt. I'm going to start a business, so probably not that much debt. Maybe an emergency fund, because I'm going to go into that business. I'm going to fund some upfront costs. Okay, cool.

Starting point is 00:03:07 So you're probably good, except you're on this show, meaning you're probably not. So what is going on? So there's been a lot of adjustments. So I just moved back in with my mom, very beginning of the year, January 1st. Really? Yes. Okay. So there's a few things.

Starting point is 00:03:25 I moved. So me and my boyfriend split up. So we broke our lease. You had to break a lease. Wait, how long were you guys together? Like two and a half years, almost three. Me? Okay, yeah.

Starting point is 00:03:39 Yeah, that's brutal. Yeah. When did you guys break up? December 31st. December 31st. And when did you guys determine you were breaking the lease? Like two weeks before that It was very

Starting point is 00:03:54 Wait, wait How'd you determine You were breaking the lease Before breaking up Well That's weird Yeah so I mean It was kind of brocky

Starting point is 00:04:02 For a while What was going on? So I mean We had moved into this house In August So we weren't there very long There at all Was that your first time

Starting point is 00:04:12 Living together? No we had an apartment That we were in for like Eight months We also had ended that lease And anyway Why did you end that lease? we had a roommate situation that was very unideal um it was one of his friends that was like renting

Starting point is 00:04:27 like the guest room and he was on drugs which um like yeah like very very yeah and like we don't do that at all didn't even know have you no never never okay um so it just made me uncomfortable even in that environment but um never even heard of anyone intentionally doing that one i thought it was I think everything's laced with it, but okay. Well, that's probably how to start it. I didn't know a skit row. Sure. Okay.

Starting point is 00:04:55 So you guys broke the lease with that instead of just kicking out the roommate. Well, he was like, so he was on the lease and then like he had a friend take over our part of the lease. So we were kind of off the hook with that one because I took over the lease. But. Okay. So then you guys moved into this new place. But when were we guys breaking it though before you guys broke up? That's what I want to know.

Starting point is 00:05:17 We also. This just happened. Yeah, yeah. So after we ended our first one, we moved in with his mom for a little bit. That was very not ideal. Everybody was yelling at each other every morning. That's weird. Yeah.

Starting point is 00:05:30 Yeah. So. That's not a traditional household. High stress. High, just everything. So it was definitely like a- Just no one high off a family at this time. No, no.

Starting point is 00:05:39 No. So that was, you know, good change. But then we applied for this place, got in. And then we had a roommate there. and he kind of did the same thing. He lost his job and then just, like, moved out and, like, stopped paying rent. So, yeah. And then so I started working a second job.

Starting point is 00:06:01 I was working at another Italian restaurant, and then I was working, like, seven days trying to like. You were working two jobs. Yes. Wait, when was this? Like, two months ago. Like, I think I started the second job. So to confirm, your boyfriend just left his job. No, he was working.

Starting point is 00:06:14 Okay. But, no, no, no, this last place, though. Why did you break the lease for this last? The last place, the one that just happened. Yeah, so that was like part of it. Like, he was like, he. Who's he? My ex.

Starting point is 00:06:26 Sorry. Okay, so my ex. We, I'd broken up with him actually like a few weeks before this. No, you said you broke the least before you broke up. The first time. Like, broke up twice in a month? Multiple times. I caught him cheating on me.

Starting point is 00:06:41 Like, looked through his phone, found messages. Do you want a cheating that happens on this show? What the fuck is happening in this world? Is this more of a. Why do people have the desire to even cheat? I couldn't tell you. You guys were together for two and a half years. What the fuck?

Starting point is 00:06:55 And we were living together. Wait, how old was he? Because, I mean, you're 21. Yeah, he was like two years older. So he's like 23. Okay. Oh, great. He's going to be a great person for the rest of his life.

Starting point is 00:07:04 I mean, people change. People grow up. I mean, I made a ton of mistakes back then, too. And I mean, we all do. But cheating's, that's so personal and so intentional. And especially when you're with someone for two and a half years, I really don't get it. Oh, he swears it's not. He swears he didn't cheat.

Starting point is 00:07:20 Okay, what did he do? Sorry, this is, we've got to get into these finances. I know, I know, I'm sorry. But no, it's the lore. It's the war. It sets up your situation that you're in now. So what the fuck is not cheating? Well, he said because he didn't sleep with anybody that he didn't cheat.

Starting point is 00:07:36 What did he do? Oh, naked pictures in his phone, sending him receiving. Send him receiving. So he wasn't just watching, he wasn't just gooning to some, okay. Really people like text messages. As a Cooner. I understand. But like, no, trading with someone while you're with someone.

Starting point is 00:07:52 Living together. So on the same lease. So anyways. That's, well, that is cheating. Yeah. And he says that's not cheating. How many people? I mean, I counted at least like time.

Starting point is 00:08:01 Why'd you get back to him within the second time within the same month? I didn't get back with him. But like, we were both living in the house. We were both on the lease. And like, I tried to kick him out and he wouldn't leave. And then so he just kind of like kept staying at the house. And then like I was playing nice and I was kind of like figuring out what I wanted to do. And then he was like, oh,

Starting point is 00:08:18 well with our financial situation, I think it would be best if we ended the lease. And so that's when I was kind of like, this is probably my out. We should probably end the lease. And then I'm going to move back to my mom's house. So what's like he say if I talk to him? Because I do realize like as an internet personality, I have a lot of things said about me. And it's fine. But, you know, there's always just like one side, one side, one side, one side.

Starting point is 00:08:44 And I just, you know, I just focus in. What if I talk to him? I mean, I would hope he knows what would he say. What he did was wrong. I hope so, but would he agree with this entire situation? I would think so. I mean, we've talked about it. Like, he even knows that, like, I'm coming on the show and stuff, and I was like.

Starting point is 00:09:03 What if I call him? You can't. If I call him in the post show. Yeah. Okay, because I do like to hear two sides. Yeah. I mean, for what it's worth, I'm on your side and I fully believe you, but it is important to always hear two signs. Yeah.

Starting point is 00:09:16 Especially with such a situation where it financially impacted. You guys broke the lease. I mean, that had to have cost money. Yeah. Yeah. How did you pay for? I mean, you have a shit on my debt. So it's not like this debt wasn't just accumulated within a month and a half, was it? Most of it was accumulated in the last like six months. Six months. That's different. No, no, no, no, six months. Yeah. Not like in the last two months.

Starting point is 00:09:36 So you moved in with your mom. What happened to the, but you said you gave me one job. You said you had two jobs. What happened? Yeah. So the other job I got to try to like make up money to compensate for the lease. And then I had to quit when I moved because it's like an hour away. When you moved to your last apartment or to your new mom's house? To my new mom's house. Do you have to pay your mom any rent? Yeah, I paying her $500 a month. That's actually not bad.

Starting point is 00:10:02 Chunky. Well, it was chunky for like moving back in with a family member at 21. I mean, it's okay to move back in here and there, especially in our 20s. Unless it were just being enabled. But at 21, it makes sense to move back in home. For example, I mean, so I went to a college in the east state of Michigan. I went there for a year and a half.

Starting point is 00:10:20 And then I transferred to a college on the West State of Michigan. And I moved back in for a semester at like 20. And that was the last time I lived at home. And that's fine. I moved back in during a college situation transitioning to a new university. Yeah. Like that's okay. But it's interesting paying $500 in rent.

Starting point is 00:10:36 But whatever. That's what you guys agreed to. So you had to leave that job. How many hours a week are you working as your job now? But the last one is too far. This other one's not too far that you're in right now. So it's kind of just always been central to wherever I move. It's kind of always been 20 to 30 minutes from where I'm at versus...

Starting point is 00:10:53 It's a far drive for a waitress job. It is, yeah. It's just, it's like really weird. I've worked for the owner since I was like in high school. And then like I used to be... Okay. So you guys have a good relationship. Yeah.

Starting point is 00:11:03 Yeah. So a lot of trust there. That's good. What's your normal... What normally hits your account with tips and everything included on a monthly basis? Probably usually a little over 4th. thousand anywhere between four and five thousand hits your account yeah that's not bad at all i know so four thousand five hundred is that what we're going to say yeah i would say about between my um so fifty

Starting point is 00:11:27 four thousand dollars a year net yeah net yeah i'm sure you don't claim your tax your tips your tips they're on there yeah you claim your tips yeah my credit card and my cash really every night yeah who the fuck is that no we have to cash yeah okay well i mean well i mean So 54,000 hours a year? What's the struggle? I'm confused. What are we dealing with? Why are you struggling?

Starting point is 00:11:52 54,000 hours a year, net at 21, moved in with her mom. What was your portion of the rent before you guys broke the lease? So it was just rent was over $1,200. That's my portion. That's pretty expensive. But even still with your $4,500 hours a month, that's 26% of your net. I mean, that's not bad. You weren't in a dangerous position, so I'm confused.

Starting point is 00:12:20 Yeah, but he would be like unreliable with like, so I paid the whole security deposit when we moved in there. So that was $2,400. And then I had to pay the whole first month on my own, which was another like $2,400. So then we kind of had this conversation and expectation. Why would you date someone like that? Well, we have a proven track record like that. That's a good question.

Starting point is 00:12:39 Are we surprised it turned out to be a dirt bag? Well, you know, the signs are there now, but it's like at that time. Well, I think the signs were there when he wouldn't pay his fucking rat. Yeah. Well, it wasn't like, it wasn't always like that. When we were at the apartment, I never had any issues with him. He would always like sell me the rent like directly, but I still was always the one like responsible for making sure it got paid and like I was primary leaseholder. So like I was liable. Same with this new place that we moved to, but he was like also on the lease. So it would just come like two days before rent is due and he would just be like, oh like I'm a couple hundred short. And I'd just be like like I don't know what to do. Like I had no notice. Yeah. So that was. Well, it's his excuse. I don't even know. Oh, we're going to have to call this guy later.

Starting point is 00:13:21 This is interesting. But there has to be something moronic in here because there's no reason you'd be on this show with your income situation only having to lend a couple hundred dollars here and there. Like so far, everything you're saying is setting this up as you've, I mean, it sounds like, yes, it's been that to the situation. But it's like you're a victim and all this. There has to be some dumb ass. Yeah, I mean, a little bit. Like, I mean, the choices.

Starting point is 00:13:46 but like... The choices. What choices? Like all the financial situations that I got myself into, but like, you know, when you're with somebody and you trust them, like, you know, you think you're working towards the same goal. So it's like, you know, to me it's like I get you now, you'll get me later type thing. Like, that's how I saw it.

Starting point is 00:14:05 And then I just never got to the you get me later part. Okay. Oh, where do you think you are in the world of, in the world of finances? Zero to 10. Zero of being the worst. 10 being the best. Probably around like a one or two. I did it online and I got it zero,

Starting point is 00:14:24 but I don't believe that. Okay. Well, if you guys want your Hammer Financial score, that is free. Link in the description below or go to Calebhammer.com. And if you want to come on the show, you have something interesting,

Starting point is 00:14:38 you have interesting finances that we're talking about. Go to Calebhammer.com. We'd be happy to have you down here in Austin, Texas. I'll give you a good financial beating. And it's a good time. You're having a good time. You met the crew. everyone.

Starting point is 00:14:50 Yes, they're awesome. They're so awesome. Well, thanks for being here. Thanks for having me. So, 5,400. Well, that's not what I had come in. I mean, okay, I had payroll 982. Yeah.

Starting point is 00:15:13 But then obviously tips, that was likely the ATM deposits to 2,455. Yeah. What's the, I have just random deposits adding up to about 1,500. What's that from? also probably tips i just like see that i think that's part of where my issue is is like i don't like usually like i don't know how much i make in a night like i just kind of like all my cash goes in my bag and then i like deposit well then how are you accurately tell me you get 4500 on a monthly basis it's like a it's a estimate like i don't know no then what would be the real

Starting point is 00:15:45 number okay well you're ruining because i'm well because i'm a server so like like in the yeah but i asked you what you get and you confidently gave me four to five like Can I believe that anymore? Like recently. What? Like in the last like two months, that's about what I've been getting. Two months? No.

Starting point is 00:16:03 What is it normally like over the course of the fucking year? It's, I could. No, but how can we make an income estimate as we go throughout this entire thing if I cannot reliably trust the information that you've given me for the income? And I trusted you and I've been on your side thus far. I just. What you're f***. I mean, it's not.

Starting point is 00:16:23 I mean, there's really no way to. I don't know, like, unless I go through, like, each month and look at every single one of my deposits. And even then, like, there's cash sometimes that doesn't get deposited and stuff. So, like, how would I know? What happens to that cash? Most of the time, like, it gets deposited, but other times... You said the cash, some cash doesn't get deposited. So what happens to it?

Starting point is 00:16:43 Sorry. Sorry. So, like, it would get, like, sometimes, sometimes I'll spend it when I go out, like, tips. Like, I'll use cash for, like, tipping and stuff. But it's like, I don't know. It's just stuff. adjusting to like the one job and everything so it's hard to like base my income because you remember that second job I ended at the end of December so I've only been working the one job for two months now

Starting point is 00:17:05 yeah but I'm trying to figure out what you make from that job well I don't have a slick set number when it comes to personal finance bad credit can hold you back it impacts everything from getting loans to renting homes and even costing you more in interest so if you're trying to step up your credit game without the risk of credit card debt or questionable loans, meet Kickoff, the sponsor of today's episode. For those trying to build credit affordably, fast and easily, kickoff is perfect for you. When you sign up for just a few bucks a month, kickoff reports your payments to all three major credit bureaus.

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Starting point is 00:19:11 You would say. Yeah, like, based on what? Okay. So I would say like. You said you don't look. You said something. You said like, I don't look or I don't know. Yeah. Like, which one am I believing? You don't know or you that you're confident about the average. I'm like what what am I listening to, you know? What am I basing the rest of this conversation off of, dude? I'm just saying like I struggle with keeping track of like what I make sometimes because it's like I don't like. So which one did I fucking. Okay.

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Starting point is 00:20:56 You can average it out easily. Yeah, I need to do that. It's all automated. I know, but it's like it's so hard when you to just like, I feel like I just got like consumed with so many bills that it was just like I was just like. Bills. What are we? You said he would drop an extra like $200 needed here and there, which with your income situation is not make a break. I mean, I'm looking at this apple card.

Starting point is 00:21:18 $3,081.55. Was that all from him missing rent? No, no, that's all me. I won't. Then why do we talk all about that at the beginning? Because I care about your finance. And if the first debt we're looking at is a substantial credit card debt and it's all you, then why do the.

Starting point is 00:21:37 Okay. Sorry, I'm trying to have to get too true. Then why do I care about all that stuff you gave me at the beginning that set you up to be like this damsel in distress? Why do I care about that? I don't. I care about the fact that you have $3,081 on this credit card. And you say it is you.

Starting point is 00:21:54 So what is this? I feel like it was just like, it was just like a slow decline. Like I was really, really good with my credit cards at first. Like, what's at first? Like the first, probably about two years. Like from 18 to almost 20. And then like two years. And then one more year from there.

Starting point is 00:22:11 That's three years. Three years of the entire lifetime of a human is not that much. It's not a substantial percentage. No, but it's the whole time I've had my credit, so... I know, but that doesn't really matter. I care more like three years than a life is not that much. Two years in a life is definitely not that much. One year in a life is really not that much if we're looking at the overall life.

Starting point is 00:22:33 If you're doing something for a decade, that's where it's like, okay, this is established down and deep in someone's life. But, okay, whatever. Okay, so you're good for two years. Doesn't really mean anything when we're talking about three years. Well, like, I had like a seven. $750 credit score, like, when I was like 19. Yeah, I'm sure. Oh, when you were 19?

Starting point is 00:22:51 Well, like, almost 20. But I don't care about that. But I don't care about where we are. I care about where we are. Yeah, but I'm like, that was like, I was trying to set myself up. And then the whole reason that X was a part of it was because, like, I feel like I was on track until we started living together. And then I just feel like I got so behind on all of that. And I'm not saying like all those debts were because of that.

Starting point is 00:23:16 Why, though? You said he needed a couple hundred. you're in there. That again, you're pushing it to him again. So what? Why living with him got you to hear when you said this was you? Well, it's. Yeah, you're going to have to make sense of it because right now it doesn't. I just feel like because I was primarily taking care of like most of the bills. Like I know like that doesn't necessarily reflect it. But like you'll see like I had all the bills on auto pay and like that wasn't included in the rent like our phone bill, our internet, our electricity. Yeah. We were.

Starting point is 00:23:49 both on the same phone bill and it was in his name. And you're not anymore. Oh, well, it was in his name. Yeah, but I paid for it. Yeah, but if you didn't, I mean, you were to last coverage, but it wouldn't have gone to your collections. No, yeah. You could have just started your own phone bill. Yeah.

Starting point is 00:24:01 Not that you should have, but I'm just saying there's a little less risk attached to it. Okay. Well, that was when we were together. But you just said, you just told, okay. You just told me this credit card was you. Yeah. Well, I'm not saying. You are not saying that with what you are saying right now.

Starting point is 00:24:18 Well, yeah, that is. Because like, okay, so What are you trying to say that? Okay, so I really, I'm not understanding it for some reason. So I was using my Apple card as like my everyday spending. And it wasn't a problem because I had my bills like steady. If you couldn't afford your fucking bills when extra things pop up. Do you get to do your everyday spending?

Starting point is 00:24:40 No, but I mean, there's. Well, there we go. These were choices that you were making. But there's still things that like, you know, like I needed. And like, when... Needed? Well, let's see. Probably, maybe not the Apple one as much.

Starting point is 00:24:54 Let's see. Okay. Oh, there's actually a lot of purchases on here. Yeah. Great. I love seeing a credit card that is thousands of dollars with a huge minimum fee payment, $113. And 19 years old is pretty intense. Oh, it's a ton of purchases when interest is occurring.

Starting point is 00:25:10 Yeah. Yeah. And what fucking world does that make sense to be doing these purchases? It's just so easy. scares me here. It is easy. That's why I need to remove it because you're obviously not a credit card person. You can't use that.

Starting point is 00:25:24 Look where you are. I don't. What? You just grab your Celsius and put it down? A little fidgette. A little smash on the table. No, I just. Okay.

Starting point is 00:25:34 I just, I don't know. I just think I need to get everything like back aligned and then I can be okay with them. But look where you are. But I care about what got you here in the first place. What you're doing now? That's going to continue down a worse path. I know. It was just.

Starting point is 00:25:49 Honestly, it was around a pretty similar time that my debt got really bad. Like 18, like I opened a stupid guitar center credit card. But my credit card debt, student loans, private student loans, card debt, didn't get bad until like 2021, 22. Yeah. So you can get worse. And you're headed there. And that's what makes me really nervous is you're headed down a dangerous path. And you're doing nothing at all to correct.

Starting point is 00:26:13 I mean, look at the spending in here. You went, you got, it went to the pitch. You went to Starbucks. You went to Starbucks. Duncan Mobile, Chipotle, Ross stores, Starbucks,

Starting point is 00:26:24 Ross stores. This is the first card out of... How much debt do you have? A lot. How much debt do you have? Total between credit cards. How much debt do you have?

Starting point is 00:26:34 Probably like $50,000. $80,000. So beyond substantially more than you just thought you had, which is insane. That's insane. It's $30,000 more than you. You didn't even know about $30,000. Of the debt you have

Starting point is 00:26:50 Of the debt you have You did not know about almost 40% of it 40% of it You didn't even know you had And then you're going raw stores And broken glass smoke shop But it's What kind of cancer are we getting today?

Starting point is 00:27:05 What smoke shop? What are you getting? Vapes Yeah, I'm sure Yeah, that lines up with Your aesthetic Waters car wash You live in Florida

Starting point is 00:27:17 What are you watching off the hurricane? cane, you don't have salt, you don't have dust. What the fuck are you doing? You're probably just washing off all your fucking stuff. There's like a lot of sand. Are you always at the beach? Not always, but I'm not. Good, because you should be working and paying off your debt.

Starting point is 00:27:31 I do work a lot. I work like five, six days. How many hours a week do you work? Anywhere from like 40 to 50. Yeah, I mean, you're making a good income again. Yeah. The only thing is you probably don't need to be spending for a car wash on a credit card. That is a huge balance when we have $80,000 dollars of debt when we thought we had 50.

Starting point is 00:27:48 Yeah. Okay. Duncan Mobile Duncan Mobile Duncan Mobile Three in a row Oh good It's a fourth

Starting point is 00:27:55 Duncan Mobile Amazon And then you went in To the store And got some bowl Then there's actually Some necessities in here Chiropractic

Starting point is 00:28:05 Intermiss depending on If you think that's a necessity But there's gas Dollar store You know Whether or not I'm going to call that out Usually no

Starting point is 00:28:12 But even still Even if this is gas And the tractor supply Is necessary And lots of chiropractor Are you broken Like, whatever is happening in the pharmacy. It's like, okay, maybe we need those.

Starting point is 00:28:23 But guess what? On a credit card that is a growing interest and you don't even know your debt situation or your income situation, that is terrifying. And, and, and just a kind of little, fuck you, because you, again, set this up as all I had to send extra money because he wasn't taking care of bills. But my daily spending had to keep happening. So I put on our credit card. Guess what? You didn't live with him. in this statement in any way whatsoever.

Starting point is 00:28:51 And I had nothing to do with him not paying his bills. You didn't live with him. And yet you were still choosing to do all of this. So again, your entire preemptive story of making you the dams on distress that is being fucking guarded by a dragon that the ogre man himself needs to go get. That's not you. That's not you. It is.

Starting point is 00:29:15 I mean. It literally is it. You didn't live with him during this. This is still your spending on a card that is obliterating, obliterating your financial position at 21 years old. I get it, but like at the same time, like, I, there was like that I. Lindsay, the team master herself, the team master herself is like, and now she's spending you, spending a lot of money on your nails now that you got broken up.

Starting point is 00:29:44 Now you have to get all the nice nails when you're going out and hitting all the West Palm Beach clubs. I feel like all my money was going towards like household stuff or like stuff for like So now it's going to things that are completely unnecessary. Listen, good nails give good back scratches. Everyone loves them. They are not necessities when you are literally just trying to survive now. You just moved in with your mom. You remember when you did that?

Starting point is 00:30:09 Like, you just did it? Yeah. Because you need to save some money. Cause it can't afford living on your own. But we're going on and we're just destroying it with Dunkin. Starbucks every day, come on. I mean, this is, what are we doing? But I mean, it's like.

Starting point is 00:30:22 And you are not the victim in this. And that, no, but like. Oh, come on. But you set your entire self up as. No, not, not necessarily. But like, I feel like if it wasn't for all that, I wouldn't have gotten this deep into the situation. That doesn't make sense. You literally are spending.

Starting point is 00:30:39 You are literally spending on a card card that is not going down in balance. That is a green interest. Shut the fuck up. That's impossible. That, listen, there may have fed things. that sucked in that situation, especially financially. All of this spending is after you guys broke up and did not live together. Yeah.

Starting point is 00:31:00 So you're lying. You're trying to just fucking look good. No. It's, I, like, okay, so, like, I agree that that wasn't all, like, necessity spending. Yeah, I told you the ones that were necessity spending. Either way, should it be done on a credit card? No, but like... But half of it was bullshit.

Starting point is 00:31:22 Half of it was bullshit. When I have like payments and stuff coming out of my account all the time, then it's like... Payments. What payments? You're adding yourselves more payments because you have so much debt. If $80,000 in debt, you thought you had $50,000. No shit you have minimum of the payments that you're not aware of. Yeah.

Starting point is 00:31:36 Of course. Money is just getting taken out of your account. That's what happens when you're not aware of your financial position. It just changed so fast that it was like really hard to keep up with the changes of it, honestly. Well, like, I moved three times last year. Yeah, I don't see why in the middle of January to the middle of February. That means we're spending our money at Starbucks and Dunkin. Things have changed.

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Starting point is 00:32:56 Download simpler budget today. The fuck are you talking about. That is not going to get you out of that. It was like, it was my coping. I mean, I just gotten out of a breakup. Somebody I was with for three years. Yeah. That's hard.

Starting point is 00:33:07 That sucks. And I'm living with my mom. So it's like, you know, like, that's kind of my freedom. You make enough money where you could have gone in an apartment just something smaller. I don't have enough money saved. Like, it wouldn't have made sense. Well, you don't have enough money saved because you blow all your money every second of your life. And you have minimum payment payments that you don't even know because you just rack up all this debt.

Starting point is 00:33:26 Like, no. I mean, that lines up perfectly. It's fully understood. Look where you've gotten yourself. And you're allowing this at 21. Yeah. And when you push back on it, you brag about how good you were at 19. I don't care about a 19.

Starting point is 00:33:38 You're 21 now. Yeah. I don't give a shit about what I did at 22. I don't give a shit what you did at 19. Who gives a f-you are where you are now? Deal with it. Yeah, that's what I'm trying to do. No, you're not because what you're doing right now,

Starting point is 00:33:53 which is the only time that matters, is blowing it all. I feel like I'm not getting that through to you. I feel like, to be fair, I do feel like this is my worst one. I feel like that's why it looks so bad off the surface. Worst one. Lady, this is $3,000 and we have a total debt pile of $80,000. Like, that's...

Starting point is 00:34:13 Like, shut the fuck. It's the one with the most random purchases, but I feel like once you like see all the other ones. What are the other ones strategically dumb? Yeah. Well, they made more sense at this time. Yeah. A little slip there. A little slip of reality. Listen, you're not a credit card person.

Starting point is 00:34:28 This is too dangerous for you to have these access to these amounts to spend. You can use the Fizz card like many of the guests in audience. That's what I will allow you to use because it only lets you spend what's in your checking account like a debit card. So there you go. But you're not fucking using. You got to remove this from your Apple wallet. But like, how does that even work? Like, doesn't it?

Starting point is 00:34:48 Well, like, I know you can just remove it. But like, doesn't it, like, report on your credit that, like, you close the account? I didn't say close your account. You can just remove the card. Should be able to remove it from your wallet if I'm not mistaken. Then how do you pay it if it's not, like, on there? Because it's like. Remove it from a default in terms of, like, if you're going and tapping to pay, though.

Starting point is 00:35:07 Yeah, but then it would just be another credit card that's on there. Or like. Yes, but you wouldn't just be instinct. You said the reason why this is so hard is because. it's available right there for you to just spend. Yeah. So it'll make it harder for you to spend. Yeah.

Starting point is 00:35:21 But, yeah. But I mean, it's... So you met this dude like in high school. Yeah, like after I graduated. Yeah. Jeez. Yeah, that's fucked up and you find yourself in a new position that you have in an

Starting point is 00:35:34 adulthood. Yeah. So you've been an adult for three years, but you guys have been together that entire time. So that's definitely interesting. That's, yeah. I feel like that's a lot of why it... No. No. Shut the fuck with that. Listen, it's why it's why today might be a struggle and figuring things out might be a struggle. But it is not why you're here. It is not why your spending was like that in this most recent month. Don't pull that. It's not true. That is not fucking true. But I will say the chiropractor, that was from him. That was, I canceled that though.

Starting point is 00:36:07 He broke you? No, no, like I was paying for his chiropractor. Like, why? I was paying for his chiropractor. Like, I was paying for. For everything. That's what I'm saying. Why? But why were you? That doesn't make sense. I don't know. I was still in the month of January. You guys were broken up and didn't live together.

Starting point is 00:36:21 Yeah, I had to. And he literally cheated on you. I know, because it was on auto pay and I didn't realize. So, I mean, I canceled that now. Okay. Well, chiropractorry was quite a minimum compared to all the purchases in there. Yeah. By the way. But even still, it is stupid.

Starting point is 00:36:32 Yeah. But, you know, so it's just like little things like that that would add up. I think just like, because I was making, like, more. You still make great money. You make more than a lot of college graduates are. people that didn't go to college as well. Yeah, but because, like, I was used to a certain income. And then, like, I was spending on that.

Starting point is 00:36:50 You have to adjust. Again, this is why you use the fucking budgeting app. It's ridiculous. Like, people are incapable of adjusting. I really don't understand. I mean, you literally lost $81 in 55 cents in interest in one month alone just on this card, yet you're still spending on it. It is at a 26.2% interest rate.

Starting point is 00:37:07 That's crazy. And yet, you still, you still, just purchase on it. Yeah. Like, it's nothing. To get the nails that. Show the camera your nails. Let's see. Are they special?

Starting point is 00:37:17 They were only $70. Are you fucking kidding me? Only $70? Are you fucking kidding? Do you not understand the value of a dollar? $70 is substantial. It is. You know how many McDouble $70 is?

Starting point is 00:37:31 I don't know how much a McDonald is. Probably like 50 McDonald's. But they last me like almost a month. So do 50 McDougables. Yeah, but they're not going to. You have to work those. off. Yeah.

Starting point is 00:37:45 But these, they add value. Yeah, but you gotta work for the money that you pay to get them. Yeah, but I enjoy them. It's like the one thing I do. No, listen, I get it too,

Starting point is 00:37:53 but like get fucking press on nails or something. I tried that. They don't last. And I work in the restaurant industry, so I can't have like press on nails like flying off. Listen, all I'm saying is it really comes to as simple as you cannot afford that.

Starting point is 00:38:04 Literally, $81 and 55 cents in interest on one of the debts alone, $3,000 of the $80,000. This costs more than that. And it's because you refuse to actually sacrifice things, sacrifice things to get out of this debt and cut back your spending. I think it helps me, like, in a way, like, I don't know. What?

Starting point is 00:38:25 I think, like, I think if, like, I feel more confident with my nails are done. And then I think people, like, I think it just, like, looks more presentable. I think people tip better. So I think I make my money back. I know. There's definitely tips based on looks for sure. Yeah. But you are a very conventionally attractive person.

Starting point is 00:38:42 You are. Congratulations. You won that lottery pool. Like, well done. But I don't want to have a little boy hands. I don't think it's the nails that's going to do it. It helps.

Starting point is 00:38:50 Nobody wants like nasty fingernails holding their food and stuff. Why would your fingernails be nasty? Those finger nails will be nasty too if they're not. You can do pressons more frequently. You can also paint your nails. You can also just get natural fucking nails. Either way, that's not even the point. I'm just saying you couldn't afford it.

Starting point is 00:39:05 And literally because you are more willing to spend money on stuff like that, you are losing more than it costs to even put those on in interest alone on one of a minority of your debt of the $80,000. It is a simple mathematical thing of that I am not anti-nail. I don't give a fuck. In fact, I am pro. Again, the back scratches. Everyone loves them.

Starting point is 00:39:25 I am pro these things. This makes no sense for your situation. It's as easy as that. I don't know. It's a stupid minor thing to defend. I don't get it. I think, I don't know. I just, I stopped getting them done for the longest.

Starting point is 00:39:38 Like, when I moved into my first apartment and like, I feel like, I don't know. Like, because I made that sacrifice so that, like, we could afford, like, kind of to build our life together. So, like, I feel like I kind of just, like, needed to do that for me. You know what I mean? Like, because, like, it was something I stopped doing for myself when I was with him. So I feel like it was important for me to, like, get that back. Like, I, like, I know, like, I still have to pay off my. You see a therapist?

Starting point is 00:40:04 I, I, I. That's kind of. Like, like, what? It's about, like, taking care of me. Like, reprioritizing myself. I want self care. But there's a lot of it. Lots of versions of self-care.

Starting point is 00:40:14 Yeah. And again, if it's something you can't afford, you're putting yourself in a worst position. What kind of self-care are you getting into if you're going to have to sacrifice for years to pay off debt? What kind of self-care are you going to be into? If your parents are no longer there, you can't move into them and you don't have a savings account, just like you didn't have a savings account and you couldn't move into your own place. Like, your parents aren't always going to be there. It's a sad fact.

Starting point is 00:40:33 Like, there's so many things. What are you going to do when all of a sudden either you're the parent and you can't retire because you didn't save them for retirement? Like those are the things. Self-care now is important. but self-care for your entire life is also critical, and you are prioritizing the minor little feel-good things in the moment over your entirety. But it's hard to, like, I don't know.

Starting point is 00:40:54 I wasn't like thinking about that at the time. Like, it's like, I feel like I'm just trying to take it day by day. Like, you know. Yeah, but you have to have a plan, an overarching plan. We all take the days day by day, but you need to incorporate your strategy of living into the overall plan you have. And if you don't have a fully concrete plan right now, that's okay. That's okay. You're 21. That's usually we're kind of fucking up and we're figuring

Starting point is 00:41:16 things out. But this is the corrective moment. And defending something as stupid is just that is pointless. And trying to make yourself look like the damsel in the distress is pointless. When what we could be doing is taking responsibility for the spending we have now that is preventing us to get to that future place. What goals do you have? Do you have goals? Yeah. What do we have? I want my own place. Like I don't play. So moving back into an apartment. Yeah. Well, I mean, and hopefully I want to own a house one day, but I need to get somewhere first. But like my mom's, like her lease ends in August.

Starting point is 00:41:49 So like, and she's planning on moving like across the state. And I'm not really trying to like uproot my whole life and everything. Why is she moving so far? Well, like her boyfriend works across the state. Oh. So what are you going to do? So you need a new place by then. Yeah.

Starting point is 00:42:01 Yeah. I need like I need to figure out. Then how possibly is spending all this money on bullshit priority right now when obviously you need to start saving up to put a. to put a security deposit down first month last month, whatever you need. Well, on a place, how is that not the priority? How does it make any fucking sense?

Starting point is 00:42:22 I think it was... That's a critical timeline. Yeah, but I think I was just like, I was just excited to like have a little bit of like freedom after not having to pay rent for the first time in a while. What freedom? You live with your fucking mom and you do pay rent.

Starting point is 00:42:35 But you pay rent. Yeah, financial freedom. You have $80,000 of done in 19. Is any of that even fucking student loans? No. That's horrendous. People, people 21, 22, 23 getting out of college, like $40,000 in student loans.

Starting point is 00:42:49 That's what a lot of people get. That's like the average, right? You don't even have student loans. You need to double the amount of debt. That's insane. That is insane. Damn, was low in distress. Are you hoping someone just comes and rescues you?

Starting point is 00:43:05 Is that why you set that up in the beginning like that? No. I'm trying to figure it out for myself. You're trying to figure out. Yeah, you spent all that. Okay, let's move on because that's so, I just don't like how you framed your situation so far. I really don't. I just think, I think you'll see it like more.

Starting point is 00:43:22 I also think this was also, what more? This was like the aftermath. This was after everything already got badly. Yes, it is the actions you are doing afterwards. The actions, that was your spending. He didn't do any of that except for the chiropractor. He did not do any of that. So what are you talking about?

Starting point is 00:43:40 Well, that's, I don't know. That's why I need. your help like I need you to help help I'm trying your fight oh okay listen for what it's worth I'm gonna break the fourth wall here to the audience so shut the fuck up for a second sorry for what it's worth a lot of people come on the show everyone's from the audience these days like literally 100% of the guess at this point or from the audience and um people are not used to be in front of the camera so there is just a natural defense mechanism that kicks in. But for

Starting point is 00:44:13 sake, I am trying to get to that point where we are helping. We get you just have to be reasonable, not try to set yourself to look good. You gotta let go of some of that. Let go with some of the ego. It wasn't all his

Starting point is 00:44:31 fault. He's a cheater. He's a piece of shit. But the entire thing doesn't revolve around the fact that he, like $100 went here and there. Look at the spending we saw in just that month that was your fault. Look, you all know I love calling people out on their financial train racks. We've tackled credit cards, payday loans, and more. But there's one giant moneymaker we've only scratched the surface on, real estate. I have five houses. That's right. The buy a house, get rich game. That's if you play it right. You see, my own journey started in sales with tens of

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Starting point is 00:47:25 Again, these minimum monthly payments are stacking up quick for just 21. And so are the debt amounts. And these are credit cards, $41 to $72 of interest accruing. Look at that. See, your barrels went up for 19,020 to 2206. Your barrels went off because you purchased $600 a shit. Why are you purchasing more than you're putting out on a car that is accruing interest that you cannot pay off? How long does this take to pay off minimum fee payments only if you don't purchase anything, which you're incapable of?

Starting point is 00:47:51 How long? How possibly a little long? It was like eight years. Nine years. So you'll be 30. Yeah. You'll be answering your 30s. And then boom, finally one of the credit cards is gone.

Starting point is 00:48:00 Like one of our smallest debts is gone. Yeah. Nine years. That one, like, just like a lot of my bills are on auto pay on that one. So like that's... Oh, you mean your other bills? Like your subscription. Also, no, not like...

Starting point is 00:48:14 You bragged about your $750 a couple years ago. You're a $6.50 now, Christ, well, yeah. Yeah, Dunkin' Donuts, that classic auto pay. Oh, well, that... Dunkin' Donuts, another classic auto pay. People looker, who the fuck are you creeping on? Oh, my gosh. Who you're creeping on?

Starting point is 00:48:29 That was, I also, I also canceled that. Who you creeping on? Who do you think? Was it the X? Yeah, like I was like trying to like What? What were you trying to find? Well, like, I don't remember.

Starting point is 00:48:42 It was like trying to see like if they were on a dating site or something. Would it tell you? I don't know. Like you had to like pay for it. Well, like Ashley Madison? No. Think he's out there fucking like divorced moms? No.

Starting point is 00:48:52 Like just like. I'm assuming that's what Ashley Madison is. Just like anywhere like his profile is. I don't know. Like I'm pretty sure that one. Did you find anything? It said. It's something like him and his family.

Starting point is 00:49:03 were like flagged like by the like the government like they were on like a watch list but it didn't give me any other information did he enter the country illegally or something no he's a legal citizen as far as i know unless he lied about that too but i don't really know but um i actually had to i canceled that card because you canceled this card what does that mean you canceled this card so like um you close the account well i didn't like close it but But I canceled the card and like didn't order. What does that mean you canceled the card? Because like I have like that one like the people looker thing.

Starting point is 00:49:41 I couldn't like I have no idea where it was from. It was like a random site. So I can't figure out how to like cancel the charge if that makes sense. It's probably from people looker. Well, yeah. But I don't. I don't know like where that was. Like I don't.

Starting point is 00:49:56 Anyways, there was a few other things on there too like our old phone or no. Our internet. That was also his account that like he didn't click. So, like, I had to cancel the card because... I see you going into a gas station getting some bullshit. Going into a gas station getting some bullshit. Yeah, another classic subscription. Oh, here's another subscription.

Starting point is 00:50:14 Broken Glass Smoke Shop. How much you vape? Are you going to just be tweaking by the end of this? No. You're not having a puff. You're buying so much already on just two cards. Now, people look, are there again. Come on.

Starting point is 00:50:26 That's what I'm saying. Who the fuck people are you stalking? Starbucks. It was literally just... Jersey mics going in and getting some bulls from the gas station. Wait, when? I normally don't do that. I mean, $9.00? You're getting $9 in gas?

Starting point is 00:50:39 Jersey mics? You said? Oh, yeah, Jersey mics six bucks. Jersey mics is a sub place. Yes. Yeah, so. Yes. Yeah, okay. But it's not a gas station. No, the one after that is.

Starting point is 00:50:53 Oh, it was nine bucks? Yes. I don't know what that was. Here. Yeah. It might have been gas. But you've done it multiple times. in one month.

Starting point is 00:51:04 Did it like three times this statement so far. Hmm. I think because that one had a... Oh, apparently you're a pothead too, I just learned. Oh, that's nice. What? Why is everyone on this show obsessed with destroying their lungs? Once you spend a nicotine and wh-down on a monthly basis.

Starting point is 00:51:23 Come on. Probably like two to... So almost your rent. Like half your rent. Well, now rent, I guess. That's crazy. the fucking move out forcefully. I know. I've been slowing down.

Starting point is 00:51:37 I've definitely been slowing down. That's what literally everyone says on the show. I don't believe it for a single second. I don't believe you. Because I was living alone for three years and like my ex would smoke so we would smoke together. But like now I live with my mom. So like out of respect like I don't really do that around her and stuff.

Starting point is 00:51:50 So 20 again 24.24% interest is insane. Do you have any retirement? I doubt it. I have two thousand in my savings. Two thousands and savings? Why would you have two thousands in savings when? you have a 2,2006, 2000s and savings. Well, it's like a little cushion.

Starting point is 00:52:08 Yeah, but at best you're going to get like 4% on it. If it's a one month emergency fund covering highest deductible, I get it. What's your intention behind it? Well, that's kind of, I guess, what it is. It's like an emergency fund. Like it was at like $4,000 or $5,000. But literally if you just put it in, Muma or something, you at least get like 8. Something percent on it.

Starting point is 00:52:25 Yeah. Yeah. I definitely. Actually, I think if you put a thousand in right now, you get like a 16% return of your money with the like dollar reward they also gift you so like i don't understand you're just leaving okay okay but like it would just be like scary to have nothing in my account no i agree and i wouldn't suggest that this is probably a better use 24.24% interest yep okay so you're just endlessly blazing it up but you stop you slowed down because of mom meaning when you move back out you're

Starting point is 00:52:55 going just as hard again well hopefully i'll stop before them why don't you well i mean I've tried, but it's not easy. Especially, like, I feel like... There we go. Someone's admitting to the reality that we are finding out more and more of these days. I definitely won't. I definitely won't. Not addictive like everyone who's thought.

Starting point is 00:53:11 No, it definitely is. And same with, like, obviously nicotine is very addictive. But, um, I don't know. It's just, especially, like, working in the restaurant industry. It's so... I want to be very clear. We've looked at two cards so far. They're all your spending so far.

Starting point is 00:53:30 Nothing has to do with your fucking X. Like you said, up for the 10, 15 minutes of this entire conversation. To be fair. You, what a manipulative way to open this conversation. Well, because this was, these were the statements the month after we broke up. So there's like nothing in there from him. Yeah, so it doesn't fucking matter because these are your actions.

Starting point is 00:53:49 Yeah, but I'm still trying to. So it literally doesn't even matter. That makes your opening even worse. I asked what is going on and you talk about how all that you, where when I'm looking at your statements right now, it is literally after you guys broke up of you fucking you. Well, I didn't have, like, I don't know. I'm still trying to figure out, like, a new way of doing things. I was in such a, like, I was so used to putting everything on a credit card because I didn't have, like, the money. So, like, now I'm trying to, like, figure out how to balance, like, paying off more on the credit cards while, like, not, like, I don't want to spend all my money. I know, I have to budget. Like, I know what you're thinking. But I don't, I don't want to, like, spend all my cash so that I can't make my payments. So I'm like, I don't want to, like, spend all my cash so that I can't make my payments. cards and stuff if that makes sense. You're spending on your credit cards.

Starting point is 00:54:38 I know. What the fuck are you talking about? If you just did in your necessities, that wouldn't be, what the fuck cope is that? What the fuck cope? It just, it doesn't. All right, capital one quicks over. Shut. That's stupid.

Starting point is 00:54:51 $1,965.80 cents with the $72 minimum payment. What are you doing? It was $1,000, $770,000 of purchases. That is fucking. Stupid. With $52.93. Of course. What the f-p.

Starting point is 00:55:09 Possibly. So that was... 12 years to pay off, by the way, without purchasing on it, which you are incapable of. So what possibly... Why? So...

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Starting point is 00:56:00 To purchase more than you put on in anyway. It's also some fucking stupid. Well, see, and that's what I mean. Like, that's like the loop that I got my, like, that's the loop I got myself into. Your loop is fucking Dunkin' Donuts, Starbucks vaping and. Loop. Loop, what are you talking about? Loop is when someone's in a payday loan cycle and I can't get out of it.

Starting point is 00:56:17 You're Dunkin' Donuts and we and Starbucks and vapes. No, you don't get to use that excuse. That is an incorrect statement. Okay, let's see what this is a thousand hour. Are they going to be a loop spending? Let's find out. Are they going to be a loop spending? Let's find out.

Starting point is 00:56:33 Okay, it's endless storage and new halls and storage. So this one might be the actual first one related to what you opened with. It might actually be the first one, like 45 minutes in. Finally, finally. Finally. And guess what? It is your lowest balance card. Yeah.

Starting point is 00:56:49 So, okay. So finally one thing. Like this one I opened. And I think I had started. Why is in 259? Yeah, that was our phone payment. Why would you do that when there's services like helium for $15? dollars a month. I don't get it.

Starting point is 00:57:03 Well, it was like before we got into the house when... Why do people spend that much? I don't know. It was like his phone plan. So that was the thing. Like, it was his phone plan. And like, I was just gonna like... He was a man child.

Starting point is 00:57:14 Yeah. He was a literal man child. Yeah, I'm calling him in the post show. It's confirmed. It's happening. There's no way I'm not. Oh my gosh. He's a fucking baby.

Starting point is 00:57:23 I also want to hear his head of the story. I just like, it was like, he would never like, he couldn't set up his stuff on auto paint. If he just separated correctly. What do you mean? You guys didn't go back to each other, do you? No, he lives at his... I know that happens a lot, especially in younger relationships. He lives at his moms.

Starting point is 00:57:41 I just don't want... I just want clean separation here. Yeah. With how intertwined you guys were, I just don't want this to get messier. This is insane allergy and asthma care. Yeah, so... Lots of you halls. You'd think you're a lesbian.

Starting point is 00:57:55 This is crazy. No. This is so crazy. That's what I'm saying. It's what I'm saying. You didn't have storage at your mom's... house? No, so she, okay, so, he sent you flowers for Valentine's Day.

Starting point is 00:58:09 Lindsay, you tea, goddess. What the fuck? So is he attempting? Yeah. He's attempting. Never get back with a cheater. We don't give cheaters. Yeah, I know that. You're not considering, are you? No, no, it's just like, it's, I don't know. It's been weird. No, tell me.

Starting point is 00:58:25 Well, I, like, I've seen him a few times and like, we've talked. Why? What's he? Well, like, we still had a lot of things to figure out. his motorcycle in my storage unit and like he has a lot of his stuff in my storage unit so so i guess we didn't separate i'm gonna ask a very middle school question you guys haven't like even like kissed or anything right no breaking up okay good okay so okay so it sounds pretty dead to me sounds pretty dead you've met up for more like business yeah okay good but it's like i don't know just don't just just this is literally just out of like care for you from me not finances like

Starting point is 00:58:59 cheaters. Yeah. Especially if they couldn't even agree that they were cheating. I know. And if you're going to open the relationship on both sides, like that's one thing. That's agreed and consensual, but just going behind someone's back, no. Yeah. Either break up or you bring up the topic.

Starting point is 00:59:17 You don't just go to other people, which I don't know if he did, but. Well, he says he didn't, but, you know, he denies, denies, but. But, yeah, so it's a lot of this stuff for the storage. Like he somehow His mom lives five minutes from my mom So Um Like when we moved everything

Starting point is 00:59:36 Like all of our stuff ended up in storage together And then like I don't know I just I somehow just ended out taking care of everything Because he didn't really know we were separating So I was trying to like He didn't know what do you mean He said he broke up like four times

Starting point is 00:59:52 Yeah Well like he's a little like He's a little impulsive or like what's the word like Yeah like a little impulsive Like me too but I know when someone breaks up with me yeah but like that's what I like broke up with him once before and he wouldn't leave so like that's not be impulsive that's him being either a moron or a fucking weirdo yeah well no but either way so like and then I I left for um so like we ended our lease December 31st and so like I said earlier we decided like two weeks before that we were going to end the lease and then so like it was kind of like a panic move with like getting everything to storage and so like it was kind of like a panic move with like getting everything to storage. and like the U-Haul and everything. We had to extend the U-Haul like two, three days. Because like we moved like 50 minutes away from where we're living.

Starting point is 01:00:36 So like, I don't know. But. Okay. Yeah. Okay. Listen, I mean, we're a few thousand hours in. There has to be something chunky somewhere that this is going to get to. Here's something chunky.

Starting point is 01:00:48 There's something chunky. 30,000. This has to be a car. Roadrunner. 30,000. Okay, what is this? What is this? So it's a, I believe, 2023 Polarist Slingshot.

Starting point is 01:01:02 So the fuck you're getting a 20-23 car. What the fuck? I didn't even get something remotely within the year of the car, the year we were living in until I was in my late 20s. What the fuck are you doing? Why do you need of 2020? So, this is crazy. $30,773.

Starting point is 01:01:17 90 cents with a minimum monthly payment. This is fucking wild $560. And $78. That is crazy. What's the interest on this? What is possibly the interest on this? very high. It's like 13 or 14. Huh? Say it again? 13 or 14. No. What the fuck? Why? Why do you need this? Why do you possibly need this right now?

Starting point is 01:01:38 Okay. So I didn't. So I got this like a year ago now. So let me explain. Let me explain. There's a story behind this. So this is when me and my ex were at our first apartment. Oh, it comes back to the ex. Who would have thought, guys? Listen, it makes sense. So like we were both working full time at the time. I was making actually way better money. at like the same job that I'm at now at the time. Why is it slowed down? No, they like cut my pay.

Starting point is 01:02:04 You said you went up from like 14 to 15 or 13 to 14. Yeah, but a year ago they cut my pay. From what to what? From like 19 to 13. Why? Because they had new owners takeover and they were doing a lot of it like illegally. Like half of it was in cash and half of it was on the books. Do they still your boss?

Starting point is 01:02:22 Yeah. Yeah. You just said that on the internet. Yeah. Oh, well. Oh, oh. Go on. Well, I wouldn't say where I work.

Starting point is 01:02:34 Yeah, and you're using a fake name, but yeah, go on, go, go. But anyway, so it's just like, that was a big adjustment. But anyway, so we were trying to, like, passive income. So he had, him and his friend had gotten a car that they were going to put up on Tiro as, like, a rental car. And so that was the idea behind this car was it was supposed to be for passive income. a massive income. A depreciating asset for passive income. Guys, this is the greatest idea in the history of humanity.

Starting point is 01:03:02 Listen. The f- Listen. I'm listening. I understand. It is a depreciating asset, but like... Yeah, but there's other passive income. Like, appreciating assets.

Starting point is 01:03:13 Like, real estate. Yeah. Yeah, but like, yeah. Yeah, that's true. We'll put you through the real estate class so you at least understand it. You'll learn the things I did. That would help. But, um, yeah.

Starting point is 01:03:24 So, I mean, but obviously like... Wait, it's a spike. lighter? It's one of those? Yeah. Like one of those three wheel fucking like. Yeah. So it's like an exotic like um. Like the fucking the people that like the weird six year olds drive around blasted music.

Starting point is 01:03:39 So I don't know. Like he had done a lot of research on like how much like that car in specific can make and everything. And like it really like it made sense like Doesn't make sense. It well it did at the time. Okay. I'm going to have you to find this for me. Now. Now maybe. not as much, but like...

Starting point is 01:03:57 Here's a little arts and crafts for you. Oh, my gosh. I'm going to have you go ahead and, uh, go ahead, explain your business plan to me. Give me a nice, give me a nice chart. Well, because, like... Oh, nope, that's incorrect. You're going to do that. What do you mean?

Starting point is 01:04:12 What kind of chart? Whatever you need to do to try to walk me through your business plan here. I got you crayolas and a nice little cutty, cutty scissors. Well, do. Like, for real? What do you mean your job? Can I just explain it? No, I want you to visualize it.

Starting point is 01:04:31 What do you mean? Okay. Your business plan. Any color? How would you make money on it? Okay. I want you to walk me through from the very start through every phase. Give me a nice little flow chart, arrows and everything.

Starting point is 01:04:45 How do you make money? How does the math work out? How would your profits make profits for expenses? Everything. Go ahead. Any colors you want. You got some scissors. Go ahead.

Starting point is 01:04:56 I don't. Go ahead. This feels silly. It is silly because you have a silly fucking plan. Well, yeah. So I have a minimum like $560. Go ahead. Oh my gosh.

Starting point is 01:05:05 Yeah, make it into art. What do you mean? We'll put it on the refrigerator. Okay, so what, like $560 a month? Okay, $5.60 a month? What? For my payment. That's your payment, market.

Starting point is 01:05:18 Okay. What do you mean, market? Like payment? Say it's a payment. Okay. Okay. And then like when I did research, the car can rent out from like anywhere from like 60 to 90 dollars a day.

Starting point is 01:05:32 Okay. And then they have, um. Draw your business plan. Okay. Okay. Okay. Okay. So at 60 to 90 a day.

Starting point is 01:05:43 Okay. I also, okay. I also did this math a long time ago because like, anyways, but. 60 to 90 dollars a day for the lifetime of the entire car. Yeah. Or will it go down as the car gets older and there are newer cars? cars on the tour of market. It will go down.

Starting point is 01:05:59 Oh, that's interesting. Yet, conveniently, your interest rate and minimum monthly payment stays the same. Right. Right. As also the value of the resale of your car goes down. Yeah. Please, continue. No, that's okay. No, continue.

Starting point is 01:06:12 Well, okay. So. Talking to the mic as well. But, like, I mean, if I can rent it out, at least. If you can, that's a good if. But I'm in a good spot, like near an airport. Yeah. Oh, basically.

Starting point is 01:06:23 Like, like, to rent it. Like, yeah. Sure. So it's been a year. Go on. What has happened? Hey, okay. Show me.

Starting point is 01:06:29 There's another thing. Different colors. Show me what was the reality. So we have, the blue was your hope. Pink is reality. Okay. So my reality was I got the car like, what, eight months ago, I guess. I can't, you can't list on Toronto until you're 21.

Starting point is 01:06:46 And I just turned 21 in December. So I had to. You did a deep dive research and you were smart enough to not look at the minimum requirements necessary for the thing you wanted to do. To be fair, I was in the process of listing the car with them. I don't think I'm going to give you a to be fair for missing an age requirement. No, I was in the process of listing it for a while and that was the very last thing that they said to me. They didn't even ask my age in there.

Starting point is 01:07:12 As you research something, you usually learn what you have to be to qualify for it. That's where I do when I research if I want to do something. Yeah. I guess I didn't really realize that would be. Okay, so when did you turn 21? December. Good. So it's been a couple months.

Starting point is 01:07:30 Two months, yeah. What's happened? Well, and the pink new reality. Show me what's happened. Oh, my gosh. I want to follow your business plan here. Please, tell me. So there is a few.

Starting point is 01:07:40 Oh, so the business plan is. Huh? So that's what's happened. So in reality, this. There we go. There's your grand. thing that you were spending $560 a month. Why the fuck did you hold on to this car and not sell it?

Starting point is 01:08:05 I don't know. I guess just I was like too. I know it's going to sound stupid. Were you going to say scared? Yeah. Scared to sell? Well, like, because I know I'm obviously going to be at a loss. So it's like.

Starting point is 01:08:16 Yeah. So make your loss worse then? What? Well, I'm hoping I can get to the point where it actually makes money. You're not on there yet. And you've been 21 for almost three months. Yeah, but I've been dealing with a lot of like other stuff. like readjusting to the new work schedule and living with my mom.

Starting point is 01:08:30 The car was like... What excuses. Are people incapable of doing things in life these days? My gosh, the amount of stuff that literally all of us go through. I get it. I get it. Moves. Readjustings.

Starting point is 01:08:44 New jobs. Fireings. Whatever the f***ing it might be. We all do what is required and you have this stupid fucking thing and you are doing nothing with it. Well, I drive it. Like, it's not. You drive this is your daily driver. Not my daily driver.

Starting point is 01:09:01 It's... Then why the fucking you're driving it and putting wear and tear on it? Well, like, you have to run it. Otherwise, it's kind of like... I guess, but how often are you driving it? Like, once a week, like, to keep it like in good shape and everything. But not like... I'm not like taking it on joy rides or anything.

Starting point is 01:09:17 Just like keeping it in good maintenance. But anyway, so like, I guess the thought behind it was, again, this was when I was... I understood the thought. You drew it out. It was... Guess what? It was when I was with my X. So I guess the thought was that like maybe you wouldn't like or maybe I wouldn't make all the money back.

Starting point is 01:09:34 But like if I'm also using it and the time that it's not being rented out, then like you're kind of getting double value. And how did that work out? I want to give you free money right now. I partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice. Mumu where they give you up to 15 free stocks and 8.1% interest on your uninvested. when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SOFI, where they'll give you 4.5% on your money and up to $300. Would you rather

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Starting point is 01:10:36 So I don't get what you thought. What you thought was done. Don't do it again. This is so stupid. Well, I'm just explaining how we got here. That's just how we got here. All right. I wouldn't make that same choice now inherently.

Starting point is 01:10:47 Well, I don't know about that. Oh. Is this a different car? Is this a different car loan? That's my daily. So I got that one first. And then I got the other one after. When did you get this?

Starting point is 01:10:59 I got that home when I was 19. 19? Monday would choose a new car at that time, 19? A brand new car at 19. What the fuck are you? That's the dumbest thing I've ever heard of my life. Oh! I mean, I've kept it in really good shape.

Starting point is 01:11:23 I don't give a fuck. It's dumb. It is a 72-month fucking another $577-month-month-month-pitcher. payment, that's crazy. Your minimum fee payments are disgusting. $27,074 loan, and your pay goes up and down and up and down is dependent on tips. And it is owed $17,565. Sorry, that's what it's worth.

Starting point is 01:11:54 You owe $27,000. So you're dramatically underwater. What was the value of the spider? Did we have it? Oh, we can't get the value. Doubt it's worth the $30,000 you owe on it, though. What is the interest on this? It's like, I think 7% or 7 and a half maybe.

Starting point is 01:12:10 So not good, barely keeping up with the market anyway. And then if you can calculate in the depreciation and the car insurance and all that bull. But to be fair. To be fair. There's going to be a to be fair. Hey, how does this tie to the X? Let's find out. So, no, this isn't like the X.

Starting point is 01:12:23 Made me get this. No, he didn't. So I had before this, I had a Jeep Renegade. And so it was financed on my dad's name. Okay. Like, my dad. It was my dad's loan. But I paid for it, if that means.

Starting point is 01:12:35 Like, I paid him a month. But it was in his name. Okay. And it was my car. So I traded that in. And so I was having a lot of issues with it. Like there was like oil consumption issues and like my engine would shut off. Okay.

Starting point is 01:12:47 Um, did you figure out what's wrong with it? Yeah. Like I went to do a recall test and they said like it was nothing but like I kept having the issue. And then like the, they do like an oil test to like see how much oil leaks and like blah blah. But they said it didn't leak enough. Maybe it was something else then. Well like maybe. But then like my engine started slipping and whatnot.

Starting point is 01:13:04 So, and I- Transmission? Yeah, yeah, the transmission. That's what I'm at. I'm sorry. Oh, I'm not a car person. Well, okay, so. Says the lady with 50,000 hours in car loans at 21.

Starting point is 01:13:19 Well. One of them being a stupid spider that only pedal drive. It's a fun car. Yeah, but it's always divorced dads. I guess I'm a divorced dad. At least in Austin. Then they just drive around. You're having a nice little.

Starting point is 01:13:34 sip of coffee outside at like a bakery or something. Then they drive by with really loud music and neon lights hoping everyone stares at them because that's the most attention they'll ever get in their entire life. That's what the people who drive this car are. Mine's discreet. It's all black. But, okay,

Starting point is 01:13:52 so the Renegade. So it was giving me a lot of issues. Yeah, and you couldn't figure out why. Well, yeah. Why you wouldn't take it somewhere to find out why. Well,

Starting point is 01:14:03 like my dad used to help me with, all my car stuff and then like I didn't love my dad anymore and he wasn't able to he used to be but like now he does like other work but so anyways it just got like hard to like have him do that and it got like obviously expensive to keep having it. Yeah but I like okay I've I still owed like $13,000 on this car. Well your dad did but yeah well yeah but like so it was like a lot of issues for a car that like but you find out what the issue is and whatever the issue is and what the repair costs is. We determine if it's worth it or not at that point.

Starting point is 01:14:35 That doesn't mean we go get a 35,000 new car at a nearly 8% interest rate. With a minimum payment, we could barely afford it at 19, 15 years old. That is the dumbest thing ever. Well, the thought was that like, it would cost me less in the long run, not having to constantly pay for repairs. The long run, that long run is 72 months at interest in 8% with a depreciating asset. What the fuck are you talking about? There's no defensible thing here.

Starting point is 01:15:03 Listen, if the expense for a 12,000 hour loan on the car was an additional 12,000 hours, I'd be like, yeah, we're getting rid of that. But then we're going and getting a used car that we are getting certified by, like, multiple mechanics before we purchase it. Instead you're winning on a $35,000 car in 19. Yeah. Objectively stupid. Yeah, but I don't.

Starting point is 01:15:24 Yeah, but. I guess I was like, at that time, I wasn't like paying rent or anything. thing so like I was like I could afford it. Yeah, but life changes. How did your parents not, did you, did anyone try to talk you out of this? No. Oh my fuck. Oh, geez, you don't have anyone in your corner.

Starting point is 01:15:40 That's reasonable. No wonder you talk like the way you do. I didn't like tell them a lot of it. I just kind of did it. Obviously. But yeah. Anyways, well, actually, my dad knew because he signed the Jeep over. but like I also didn't really like

Starting point is 01:16:01 I kind of just asked him to do. The fact that you still think it's okay is moronic. Well, I know that it wasn't fucking ronic. I know. More fucking ronic because that means you're going to do it again. You're going to do something just as stupid.

Starting point is 01:16:15 It wasn't the best decision ever. But like, so when you think about what with my Jeep, I was paying like, I was paying $3.50 a month. You don't have one good debt. You don't have one fucking good debt. And yes, your minimum monthly payments can be higher on a small loan because you have a shorter term.

Starting point is 01:16:33 A 72-month term is not a good thing. It means you are paying interest for longer, meaning you are paying even longer. Well, it wasn't just that. My insurance was higher, too. My insurance dropped like $200 with $100. That part's good, but again, you're still losing more money over time here. Yeah, but like to spend $300. Oh, my dog, shut the fuck up.

Starting point is 01:16:49 I have a city card. I have a fucking city furnishers card, probably to furnish the apartment that our ex-boyfriend forced us to get. Yeah. Well. Oh, there's. it is. Okay. Well, it's not like force, but it's like,

Starting point is 01:17:03 he definitely fully set out that expectation that he would cover his half of stuff. Facebook Marketplace! I did that. What is wrong with you people? You were 20. You were like 19. Furniture! My gosh! I thought that like we were going to actually

Starting point is 01:17:20 like buy a house at some point and then we would have our... I make really good money. I'm going to let you know on that fact and I could retire today if I wanted to. It's a very nice position to be in. 80% of the furniture in my house was used. I mean, we had used furniture too. It was really just the couch in our bedroom. $6,546 owed on here.

Starting point is 01:17:41 Okay, with the $215.99 minimumity payment. That is insane. Even if you're getting a set, you're getting a cheap little fucking bedroom set. Yeah, but it was like a couple thousand. This is six thousand. You didn't you guys shouldn't have got a fucking huge house. What kind of excuse? is that.

Starting point is 01:17:58 Listen, you got, well, $24 is actually owed it is subject to interest rate. What? $24 is subject to interest rate. I'd pay that off now before that. How is it 20? Is it like the tax? I don't know. Maybe you purchased $24 on there.

Starting point is 01:18:14 But there's the rest is deferred. Yeah. Until 2027. So that's what I'm not paying interest on it. I get that. It's still debt you have. You don't have one good piece of debt. I know, but at least that doesn't.

Starting point is 01:18:26 I'm not paying interest on. It was the match. You're a Firm. You fucking kidding me, dude. This is insane. Okay, so this was like another thing. Oh, and you have a best buy card that I don't even have? Oh, it's not.

Starting point is 01:18:38 I'll have you pulled it up on your phone. Oh, I couldn't, I haven't been able to, like, get in the app. It's all just, like, set on auto pay. What's the bat? Okay, mattress firm first. Mm-hmm. Oh, my gosh. $8.

Starting point is 01:18:53 Minimacy payment, $30. Again, this is an interest-free thing right now. a deferred interest though and only for the next like five months you have to pay this off in five months you are not making the minimum payments required in order to pay it off in five months you're only paying the literal minimum monthly payment

Starting point is 01:19:13 what the fuck are you doing? Well yeah I know I'll have like 500 left at the end or something like that you need to pay yeah but this no no no no no no deferred interest is accruing meaning if you do not pay it off by then all the interest that

Starting point is 01:19:27 yeah Well, that's, okay, so I apologize. That's what I mean. Like, by the time that... You're going to allow literally... But if I pay it by that time... Then it won't. But you're not.

Starting point is 01:19:41 You're not paying anything. What are you talking about? Because, like, I'm trying to focus on the higher interest ones right now and then pay that off. No, but you should at least make your minimum due that's required to pay this off in time. Which would be $166 a month. So why do they make it like... Oh, because they... Because they want to make money off of you.

Starting point is 01:19:58 Are you serious? Yeah, but that's just like the way you're doing it takes seven years to pay off. Okay. So stupid. So what's owed on your best buy card? That was a washer and dryer for the house. What's owed on it? It's, oh, it's like, I don't you not get to use.

Starting point is 01:20:12 What's your dryer? You're fucking 19 when you got this. Oh, I wouldn't. Spoiled because you're acting like you have to have all this nice new stuff. No, definitely not. You literally could have even rented a washer and dryer temporarily until you figured out a better situation. I did when I moved down here and it was worth it.

Starting point is 01:20:33 Same. Okay, how much you owe on the best by damn card? It's like $1,500. Minimum monthly? It's like $55. Stacking so much. Like $55 doesn't seem like a lot at the time.

Starting point is 01:20:50 But like I guess... Where is all this stuff? Is it in storage? It's all in storage right now. Sell it. Sell it. But like how... Facebook Marketplace. No, like literally. I'm going to get like half my money.

Starting point is 01:21:03 Yep, and you'll put it towards the debt. And that'll be halfway towards paying off that debt. That's crazy. It is? Well, no, like it makes sense. You have like a 27% interest rate on a fucking card that you can't pay off on it. I think it's crazy going to have a washing dryer sitting there that's not being used. That's in a storage unit that is accruing 27% interest against you.

Starting point is 01:21:23 Shut up. That doesn't make any sense. I get it, but it's like it's just like everything's a lot. Shut. Can you? Yes, everything is. a loss when you're dumb and you were done with your money you were done with your money that happens now we're doing the fixing part you don't have to continue being dumb that is the main thing that

Starting point is 01:21:40 i'm trying to get through here it's notice of intention to implose claim on security deposit yeah so that was from the move out 5,745,000 45% yeah that's what they charged us to break her which one this last place yeah have you paid it no oh what the why I don't I don't I don't know what to do with that one. That's a lot. You pay it! Yeah, but my ex is supposed to pay a half of it and he's not. Well, I'll fucking bring that up to him in the post show.

Starting point is 01:22:12 I will. I'll confirm. Okay, so it's not the full $5,000 because they're taking my security deposit. So it's the $3,000. But still, then if I pay that, then I paid the whole thing. Ah! You know what I mean? No, this is stupid.

Starting point is 01:22:28 What a stupid thing. Listen, I get that the cheating thing and the breakup. Well, I actually, I was trying to stay there, especially because I had all the furniture and stuff. I tried to make it work, but I couldn't find, like, first off, there was the issues with the lease because he was on it, so I couldn't just, like, kick him out. I had to, like, go through all that. Yeah, maybe it's worth going through all that. Well, I tried. And?

Starting point is 01:22:51 And he didn't want to do that. What the fuck is wrong with this guy? Would he agree? I would. When I talk to him, will he agree? Yeah. Because right now, it's been very anti-him. I did say like one of the first times we broke up that I had like a roommate lined up already and that's why he didn't want to leave.

Starting point is 01:23:09 Because like. Because you had a roommate? Yeah, because like, I think because like he knew I had a plan already figured out. So like he didn't want to leave. Did you guys break up with desperate like animosity towards each other? No. What the fuck is happening? So you owe 3,375, hopefully he pays half. Oh, that's just like another page of it. Oh, my gosh. There's still a decent amount of paper left.

Starting point is 01:23:34 Please be done with the debt. I think that is done with the debt. I think so. Are we done with the debt? Yeah. Oh, thank you. That is insane. It's definitely a lot.

Starting point is 01:23:45 People don't realize that when they watch it. Live here in the moment, this is very stressful. Yeah. Very, very real. Sit down with a therapist. You got to deal with some shit with all this. Three free sessions of sounder minus the same people I use, the same people the audience uses.

Starting point is 01:24:03 You get three free sessions. gift you a course career certification as well because obviously with your associates in business you're not doing anything with it so you can figure out a path you want to go down and get a certification for it to help you. 762 in checking account. Same amount went in as out.

Starting point is 01:24:20 Okay. Oh yeah. It's just cash being put in from Oh, good more Jersey mics. Yeah, the thing we're confused about other you've done twice now. To be fair, well, I know I keep saying that. But Win Dixie?

Starting point is 01:24:35 Liquor? Oh. Glugging it up. No. You cross fading. Great. That actually was one for me. After you got fucked up here to go get all me your McDonald's and then you

Starting point is 01:24:45 walk yourself up with some Dunkin. Great. Then he zeled out 20 bucks. Chime. Okay. $413. Huh? Huh?

Starting point is 01:24:57 What? What? I'm just trying to remember. It's just moving money back and forth. Yeah. That's, yeah. And then 2,000 your savings.

Starting point is 01:25:05 Okay. Yeah, which like I said, it was like almost... Wait, you f***. You f***. What? You f***. What? You f***.

Starting point is 01:25:16 What? Oh. The city bank, yeah, that's the best buy. Yeah, yeah. I thought you had another death. No. I almost just died. I almost literally just died.

Starting point is 01:25:25 I was about to just... No. Okay, so you probably need like $5,000, let's just say, additional saved up to your basic starting emergency fund. Yeah. In order to get this place when you're forced to be. move out if we have to do first month last month security deposit especially with your break you know see like if i'm going to get into my own place in a few months like i'm gonna want

Starting point is 01:25:44 all my stuff almost have i know like you know you know what you know what you know what it's not you know what and then getting a used system wouldn't it would be worth it compared to the interest that is occurring on the best pie card that's in total income what did you say 4500 what what i was like it's what it's not occurring interest right is it or the best buy card i don't know you didn't give it to me. I'm assuming it was. No, that one also has a deferred. Until?

Starting point is 01:26:11 Until July. I know, so only like six more months. Or it might be longer, but I'm going to assume shorter. Because that's why, like, that's why I did it because they had some type of promotion. So in my head. So until July? So you got like three payments until a deferred interest hits? Let's call it four?

Starting point is 01:26:31 Shit. Shit. So $1,500, righted by four. So you need to make $370. to it before the deferred interest hits. That's crazy. $375 a month. Fuck my entire life.

Starting point is 01:26:42 Okay. Let's calculate your minimum with this. My entire life. Why do you do this yourself? What? What possibly? Well, like I said, this was all like, this all built up in like our,

Starting point is 01:26:53 the whole last three years. And now I just feel like now I'm trying to like get a fresh start and, you know, all that, all that good stuff. Okay. Yeah. minimum of the payments alone are $1,941.48.

Starting point is 01:27:12 Nothing, no, not one good debt. Your rent is 500. That's all. No utilities, no internet, nothing like that, right? I'm paying for my phone. 100. It's like 100 a month. Why don't you do helium? Do you owe on your phone?

Starting point is 01:27:29 Yeah. Because it was a Verizon. Gas, room, room, drive, drive. How much? Maybe like 50. week. Okay, 200. Car insurance is.

Starting point is 01:27:41 How much? It's under 220. For both? Yeah. Because the slingshots's a motorcycle, so it's like 50 a month. It's technically a motorcycle? Yeah. So that saves me a lot of.

Starting point is 01:27:54 I really is divorced. Dad. Okay. Necessary food. How does food work in your house? I really, every once in a while. How does food work in your house? Like my mom grocery shops, but I usually don't eat anything.

Starting point is 01:28:05 For you. Where do you eat? I work a lot because I work nice. nights and I work like almost everything. What do you eat? What do you eat there? Like grilled chicken, salads. Is that food you prepared? No, like they cook it. Like I don't have to pay for it. Yeah. Okay. Like they supply like they'll feed me when I work. Yeah. You get a free meal at your restaurant job. And you only eat one meal a day. Well like obviously you saw I was getting a lot of Dunkin but. Okay. You don't need the full you 300. I'm going to give you $150. Yeah. For TP fun, this is nails. This is tampons. This is whatever else he needs.

Starting point is 01:28:38 makeup, it's literally anything else you need $100. And if there's extra there, you can put it for fun. Medical health care, anything on a monthly basis? So I actually just got set up with an allergist again. So I get like, I have like chronic hive. So I'm like allergic to myself. Don't do that. Yeah, well, I'm a little late.

Starting point is 01:28:54 So I have to start getting allergy shots. And I'm not exactly sure how much it's going to be yet. What do you think? I should, I think it's a $35 copay every time I go. Assuming I don't have to pay for the shot once every three weeks. Okay. So we're going to do like 35 a month. Okay. You have a pet?

Starting point is 01:29:11 Two cats. Ages and health? The one's like three, one's like two. Health? Very healthy. Okay, get pet insurance. No way you're going to be able to afford to take care of them if something bad happens. $70 a month, we'll call it.

Starting point is 01:29:25 Might be more, whatever. It depends on what you shop for. It depends on their health. Okay. And breed and blah, blah, blah, blah, blah, blah, blah, blah. Cat food, how much? Probably about 50 a month. Okay.

Starting point is 01:29:35 Anything else that needs to be in your budget that I have not putting. Yes. the the bridge how much so because i have a storage unit for the slingshot how much i'm trying to think because i have a few um it's probably about like 400 between two three units it doubles your front yeah yeah so that's why like i'm saying like i thought my situation would be better ending my lease and then it was like all this just like kind of added up So it feels like almost the same as paying rent. Like a full rent, you know.

Starting point is 01:30:14 Oh, you still have money left over. Okay. You make $4,500 a month net. Mm-hmm. With the minimum fee payments, you have, well, with everything required, $3,76, is required. Mm-hmm. Meaning you have an extra $700, we'll call it $700 with $33 a wiggle room, which, I mean, that's being conservative. Mm-hmm.

Starting point is 01:30:37 So $700 left on a monthly basis. Now what that does for what it's worth It gets rid of the Best Buy card And he gets rid of the mattress firm Okay So those are paid off Before the interest hits Okay

Starting point is 01:30:49 All right With what is left Mm-hmm Mm-hmm Lots of mm-hmm Sierra if they're definitely an mm-hmm girl Well, listen I mean

Starting point is 01:31:07 It was just just rough For sure see that that house like sucked all the money out of me literally and he had dogs and stuff which made everything way more expensive why well that was like that was like part of it like um he financed two dogs why does it make it more expensive for you well i was paying for all the food and like all the yeah he sounds like a manchones okay so after those are paid off i mean this is because this is still brutal without you even getting a new rent takes 110 10 months to pay off.

Starting point is 01:31:50 Without just spending any money on fun. That is a decade of progress. That's a decade. And then once you get your emergency fund, that's probably a full decade. So that's obviously crazy. I don't know what you're going to do when you have to go get your own place as well.

Starting point is 01:32:05 You're not in a cheap area by any means. Not even close. No. I think it's time to start thinking career-wise. You're already making 55 net, though, and that is not bad. Yeah. But it's also, I mean, it's not where I want to be.

Starting point is 01:32:18 It's not where you want to be, obviously. but you're going to start. I have to pay my bills. You've got to pay your bills. But when you go into a career track, you're likely going to start either there or even below. Yeah. As you try to work your way up.

Starting point is 01:32:29 And as you get into rent with your storage unit, your mom's rent combined, it's going to be like, that's 900. So you're probably paying a couple hundred dollars more than that. It brings you down to maybe $500 left over. That's going to extend this progress to like a 13, 14 year progress. This might be a bankruptcy situation.

Starting point is 01:32:45 No way. Already? Well, you're stupid with the car. I would sell the cars. both of them the spider at a minimum and i would try to sell everything in your storage unit and start with scrappy used furniture so i'd sell everything you can and throw your smallest debts to your highest debts sell the spider throw the money you get towards it and still continue to pay off that debt that's what you're going to have to do that's your only way out of this is you got to start

Starting point is 01:33:10 like liquidating the assets that you've collected out of the dump because this is not working all your furniture your washer dryer even although all the stuff is financed you need to sell it all the spider sell the spider. Even your own car, maybe not because of the equity position you have in there is not great. Right. Where whatever maneuver we're going to do doesn't necessarily mathematically make sense. This is a brutal situation. You're just going to have to grind it out.

Starting point is 01:33:40 We're going to have to work a second job, and that's going to speed up the process. If you can put, you know, $1,400 a month to it, that pays it off in five years. And that's still crazy. And that's not incorporating any kind of rent. you just need to liquidate your assets and throw it all towards it. And if that doesn't work, bankruptcy might be the option. And then you might be able to start fresh at like 28. But right now you're not starting fresh until like 31.

Starting point is 01:34:07 Just insane. Okay. This is a fucking dangerous tale for everyone watching and for you. We'll walk with you through the process. But it's going to either you be working 80 hours a week, somehow landing a much higher paying career, which, I mean, good luck. You don't just land that. You should work your way up.

Starting point is 01:34:30 Or going through bankruptcy. We're selling all your assets, paying it off in like five years. Gosh, this is going to be brutal. But that's what I would do. I would do one of those options. Spending your budget, you technically spend within your budget, but you had a high earning month and none of it was going to making the debt even better. But you did make it within it.

Starting point is 01:34:49 It's three out of ten. debt. I mean, this debt is beyond horrendous with the apartment debt and everything, zero out of ten. That's so bad. Emergency fund, you had 2000. Yeah, I would, maybe I'd, no, I'd save the 2000. We don't want to throw it towards this. Okay, but two out of ten. Retirement, nothing zero out of ten. Real estate, nothing zero out of ten. Okay. I know, I know. But, I mean, do you think there's any way, like, possible if the spider, like, were to be listed, to make money. Like, do you think there's any way that that could, like, outweigh the, like, negative equity?

Starting point is 01:35:29 Like, if I get it, like... It's going to depreciate is, like, I don't know. You can try it. Try it for a couple months. If it doesn't work after that, then liquidate. Yeah. Try it for a couple months, but... Because, I mean, if it at least covers the payment, that would at least give me a little

Starting point is 01:35:44 cushion for a while. A little bit. You know? A little bit. Well, we'll see. It has to also cover the insurance, whatever, wear and tears on it. Because remember, you're going to be losing value. Oh, that's another.

Starting point is 01:35:53 end up liquidating it. It's going to be worth less because of all the miles. I have a service plan included in with like the financing of the slingshot. So like all the service and everything. You need to check that for sure. Hammer Financial Score, 0.5 out of 10. We're about to call the ex-boyfriend and confront them. It's going to be interesting. So make sure you join the post show below. Make sure you check out our new real estate class, which just launched. It's at a substantial discount because it just launched. And make sure you download the simpler budget app. Check out that free trial. And if you really want that signed notebook,

Starting point is 01:36:23 mailed to you. I'll do it. Just sign up for the annual. Love you. See you in the post show. Can we call them? We can, yeah. I've seen so many of your videos. I've like literally thought about it. Thanks for being a fan. Why are you a cheating piece of shit? Um, this is your chance. What's your side of the story here? Um, you fucking. You fucking. No, I swear this is what I deal with. You lied. Me? Yeah, because the Tinder notification just popped up. Listen.

Starting point is 01:36:47 Oh, and then baby the day before you called the Pookie! Wow! Pookey! To watch the financial audit post. click the join button below.

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