Financial Audit - Spoiled. Toxic. B*tch. | Financial Audit

Starting point is 00:00:00 Today we helped a... Latte for Sam. Coffee shop, get an insurance quote simply and easily. And made sure... A floral delivery van was able to make someone's day. We're the Hartford, with decades of experience ensuring millions of unique small businesses. When it comes to your small business insurance...

Starting point is 00:00:19 Thank you. One size? Absolutely does not fit all. Get a quote or find an agent today at thehart.com slash small business. Kayak gets my flight, hotel, and rental car right, so I can tune out travel advice that's just plain wrong. Bro, Skycoin, way better than points. Never fly during a Scorpio full moon. Just tell the manager you'll sue.

Starting point is 00:00:46 Instant room upgrade. Stop taking bad travel advice. Start comparing hundreds of sites with kayak and get your trip right. Bad advice. You talking to me? Kayak, got that right. To watch episodes of financial audit a week earlier, check us out on YouTube. I have a tendency to manipulate my fiancé into doing whatever I want.

Starting point is 00:01:08 The fiancé? Like what? I know I'm always going to end up getting my way. I have him wrapped around my finger. Oh, my same! Yes, I am, like, going behind his back and doing that. But in another way, like, I'm getting what I want. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

Starting point is 00:01:33 And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pin comment below and submit proof and purchase athammerElet.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise. Hi, my name is Lexi. I'm 24 years old. I'm from Lafayette, Louisiana, and this is Financial Audit.

Starting point is 00:01:56 You are the second person today with the holes in the ears and the septum piercing. What creatures have we drug off the street? I appreciate you coming down here or over from Lafayette. What do you do there for a living, Lexi? So I work from home. I work at a third party. It's a, it's weird to explain, but it's a third party company that helps out insurance companies. What is your job?

Starting point is 00:02:26 I'm a policy processing representative. Very good. What do you make? I make 35K a year. I make salary. Salary, 35,000? Usually minimum when it comes to salaries this day. It's at least like 41, 42.

Starting point is 00:02:46 Why is this a low? I made me wrong then. It could be hourly, but they say 16. It's about 16, 90 something an hour. How many hours will be working? 40, full time. Okay. Do you know it hits your account on a monthly basis?

Starting point is 00:03:01 Maybe that's your after tax. Yes, I have it in my phone. Am I allowed to pull that out? Yeah, if you don't know your monthly income, I guess. I know the income between me and my fiancé monthly. I like me and good. Congratulations. Thank you.

Starting point is 00:03:22 Thank you so much. Monthly income, our total checks. What is he? What is he? is he's been a little, what's happening? So. I feel like we should be having a fiancé conversation. Oh, I know.

Starting point is 00:03:32 Yeah. No. So he just started this new job and he doesn't have any time off a crude yet. So he's not able to make it. Fair enough. Okay. Are we looking at both y'all's combined or just you? We are.

Starting point is 00:03:41 Both of ours combined. Okay. So what hits your account? Total check is 2,093.45. How often? Twice a month. 2,935? 2,935.

Starting point is 00:03:56 So 2,000. I see what you're saying. I'm sorry. Yeah, yeah, 45 cents. Okay. Total is 4186.90. The way you say numbers is a bit. I know.

Starting point is 00:04:06 I'm sorry. But that's okay. So $4,186 in any cents it's your account on a monthly basis. On a monthly basis. Okay. So what are we talking about today? Because, you know, first of all, that gets you at $50,000 a year after taxes. You clearly have no idea what the fuck you're making because you cut your income likely in half.

Starting point is 00:04:27 I don't know how someone does that, but I'd clearly suggest that we're not budgeting. What is going on? What are we talking about today? Yeah, so basically me and my fiance are stuck in a cash advance cycle. Of course, it started with our normal debt. Like, you know, we came into the relationship. I had my small Discover card with about a $4,000 limit.

Starting point is 00:04:51 He came in with like a $20,000 limit. Okay. When? This was 2021. when we started dating. Okay, okay. Well, your finances shouldn't have been intertwined at that point anyway. No, they were not.

Starting point is 00:05:03 But, okay, I get it. And the cash advance cycle can be a struggle. Sometimes it can be helpful to use a service like that. But when you get really stuck in it, it's, again, it's a tool like a credit card. It's a tool like any of that. It can be good. It can, by the vast majority of people just completely get stupid. Absolutely.

Starting point is 00:05:21 I think one of the other things I wanted to touch on, I need to stop manipulating my way out of debt. What does that even mean? What does that possibly even mean? Basically... Why you just hit... Okay. I have a tendency to manipulate my fiance

Starting point is 00:05:39 into doing whatever I want. The fiancé? Like, what? We bicker back and forth a lot, but I know I'm always going to end up getting my way. I have them wrapped around my finger. What does that mean? What are different ways that you get? Batting my eyelashes during the flirting.

Starting point is 00:05:53 I'm not asking what it takes to get it. Okay, okay. Okay. Okay. I'm talking what you win. Usually getting more cash advances. I'm the one that's putting us in the cycle. And he's the one that's trying to get us out.

Starting point is 00:06:07 Why'd you use we? So how does that conversation look? We have used all of our money from our paychecks from our bills. And I either want to buy something or I want to maybe makeup. Oh, for my sake. And we know you certainly love it. Yeah. Or like going out to, we love to do karaoke.

Starting point is 00:06:30 We're both musicians. So we love doing karaoke. Oh, yes. The classical musician thing. Karaoke at a bar. We also perform as well, but karaoke is like a big thing for us. So we cash advance to karaoke? Yeah, absolutely.

Starting point is 00:06:46 Yeah, absolutely. So casually. But he's against us. He pushes back and you're just like, oh, please. Yes. He pushes back. and I push back even harder. And I'm always just convincing him that, like, we have enough for the next paycheck.

Starting point is 00:07:04 We can pay it off. Is he desperate? I don't know. How old is he? What is happening? He is 28. Is he desperate? Maybe we can ask him.

Starting point is 00:07:15 I don't know. Okay. Maybe I'll call him later and ask then. Yeah, probably. I mean, they're telling me you hide spending from him and telling notices how much she spends, how much you spend. Yes. Yeah. You hide spending from your literal fiancé, i.e. what we're trying to spend the rest of our lives together, potentially have kids with. Do we have kids?

Starting point is 00:07:35 No, not yet. Okay. Potentially have kids with. You're hiding, spending from him. What are you hiding? It's usually like if I go out to grocery shop or if I go. You're not hiding grocery shopping from that. What I mean is if I go out to grocery shop and I see something that I want, that's what I'll, like, I'll, like, hide it in the grocery money. What the fuck you're talking about? Like what?

Starting point is 00:08:02 Once again, makeup or just like products, tanning. I mean, you, I guess you did certainly did something to your eyebrows. Trying to figure out what I did. Well, that's a little mulanish. Oh, thank you. No, I shave the tails of my eyebrows and then draw them back on. It's interesting. It's an art project.

Starting point is 00:08:23 Yeah, absolutely. Guess everything's a canvas when you're creative. Okay, so you hide that. And like the grocery spending. And what else? Also like tanning. I love to go tanning. So like self-tanner.

Starting point is 00:08:39 They're all lining up so far. Yeah. They're all. Yeah. Everything you're mentioning is very visually represented. Perfect. Okay. Definitely.

Starting point is 00:08:51 What else? Close. Wait, you hide going to the tanning. going and getting tanned in the grocery budget? Absolutely. You guys lined out a grocery budget and you go get tanned? What are you doing? Why?

Starting point is 00:09:06 He's your fiance. You want to have a life together. How the fuck do you even trust you? How could he trust that you guys come together and make a budget so we can get out of the cash event cycle and he just trust you to not go spread cheeks under a light and get your hole all browned? He's a really trusting guy, I guess.

Starting point is 00:09:23 And that's bad, clearly. Yeah. And you're okay with it? You don't feel disgusted? I'm a little disgusted. Really? Nothing. No remorse.

Starting point is 00:09:35 No sympathy. No perspective of what the other person might be feeling out on the other side. No empathy. Nothing, nothing, nothing. And how often does he find this out? Usually right after I make the purchase. Oh, and how does that conversation go? Because obviously he didn't really consent to that purchase and then you do it.

Starting point is 00:09:55 And then he's like, oh, now I know, please don't do it again. How does that conversation go? Basically, just how you described it, he, you know, figures out that I bought something. And I tell him, oh, yeah, so I may have bought this as well. And, okay, but just don't do it again. And I'm like, oh, okay. And then turn around and do it again. And what are your feelings on that, lady?

Starting point is 00:10:19 I mean, in a certain way, yes, I am, like, not happy about, like, having, you know, going behind his back. in doing that, but in another way, like, I'm getting what I want. So, I mean, I grew up in a spoiled, like, I was spoiled growing up. I never got told no. So I... You're 24. Yeah.

Starting point is 00:10:39 You've grown up. You've grown up. You've grown up. Police are supposed to. You're trying to smell me? What are you doing? No, sorry. No.

Starting point is 00:10:52 Um, I mean, I, yeah, grew up in a spoiled household. I never got told no. From mommy and daddy? From mommy and daddy. What the fuck, dude? So now you're just using this guy. Are you sick? I know.

Starting point is 00:11:08 Are you trying to smell your piercing? I'm so confused. No, I'm sorry. I breathe really hard. I'm sorry. That's not breathing. We don't call that breathing. That's snorting.

Starting point is 00:11:21 I'm not trying to. I'm not trying to do it on purpose, I promise. So tell me how the conversation actually goes, though. I want to hear it. Give me his perspective. Let's see if you. can empathize with the other side. Tell me.

Starting point is 00:11:32 What are you mimicking? Mimicking me? So basically... Is this? Basically, what happens is I will come home from spending money on groceries and whatever small thing. Come home from spending money. Great.

Starting point is 00:11:50 Come home from spending money. It's a great job. And he will confront me, usually, and say, hey, I noticed that this amount of money has come out of the account. what did you spend it on? I tell him like either, you know, XYZ, this is what I spent it on. And he will either get upset

Starting point is 00:12:11 or he is okay with it. And how do you act? What is your personality like during that? Very, like, nonchalant, basically. Just like, oh, okay. You? That's your personality during that? Okay.

Starting point is 00:12:27 Continue. I mean, it goes from, You know, telling him, like, what I spent my money on. Either he's okay with it or either he is not okay with it. And if he's not okay with it, we bicker back and forth. Just why would you spend money on that? You know, we're trying to get out. Why would you go do it again?

Starting point is 00:12:44 How would you go do it again if he's clearly visibly upset and you guys bigger back and forth? Okay, but like the things I'm spending it on is like stuff I need. Like makeup. Like I need makeup. I need to go out like in public. You might. I'm not sure, but. I need to go out in public and I have to put on a face. Put on a face.

Starting point is 00:12:59 What is your normal face? let me see a picture of you without makeup. Oh, I don't know if I have a photo of me without makeup. Let's see. So you're always fake? Yeah, absolutely. Oh, we love fake people. But I'm also like super pale normally.

Starting point is 00:13:15 So I like, God, I don't think that. But you use the word need. Do you understand what the word need means? You could go. No. That's another thing that I have a problem with. He clearly, that's one of the things he brings up. You don't know the difference between need and want.

Starting point is 00:13:30 Yeah, sounds like he should be on this side of the table. So why don't you correct anything? Because he brings up what sound like likely good points, and he wants your guys' relationship to work for some reason. And you're like, no, fuck that. I'm going to keep being horrible. I just... You have no desire to change.

Starting point is 00:13:52 No desire to be a better person. No desire to lift him up. No desire to change your bad habits for him. Let me see a picture of him. I have a picture of our engagement photo. That's my background. He's not a bad looking dude. What is he doing?

Starting point is 00:14:08 Okay. But yeah, no. I mean, that's not true. I do want to change. I mean, that's why I'm here. Like, I wouldn't be here if I didn't want to change. I realize, like, I have a... Whatever, but, like...

Starting point is 00:14:23 It's so nothing. It just means nothing. That's what everyone says. It's an immediate deflection. That's why I'm here. No shit. I mean, come. on. What have you actually done

Starting point is 00:14:32 to change? Instead of just that's why I'm here, give me actions you've done to change. Okay. I, oh, I went into an MLM. I vote myself at an MLM. But you know it's an MLM. You just said MLM. So what's, why would you do

Starting point is 00:14:48 it? Because I didn't, at the time, obviously, I didn't know it was an MLM. What the fuck was it? It was Sinci. Censi, is that makeup? No, Sinci is a a like candle company. It's like candle wax and like wax warmers and stuff like that.

Starting point is 00:15:05 They have... What are we doing? Yeah, I had a family friend who was into it. I started under her thinking like, oh, this is going to make us extra money. She was talking about how she was paying off her camper note with it. And I was like, damn, I could make that much money. So I got myself into it.

Starting point is 00:15:21 I paid $200 for a starter kit and ended up not selling anything because... Yeah, who could be buying your... wax. Hey, it smells good. Who would buy your wax? It smells good. Who would buy the wax? I'm glad it smells good. Who would be buying the wax? Obviously, like, family friends or like at the time... So it's milking your family

Starting point is 00:15:41 friends. So not only do you manipulate your fiancee out of everything, you also manipulate your friends to buy your... So that you can make money on your MLM. How much money did you make? Jeez. I would say, I think I made enough to pay off the starter kit.

Starting point is 00:15:59 200 bucks over how long three months oh for what you're doing that's not trying to change something you and then you what and then I stopped because I just knew it wasn't going to $200 at least it was just $200 you didn't spend any more money on it did you I did

Starting point is 00:16:15 yeah I actually I bought some of the products because they had but they had Disney they had Disney stuff and I remember before Christmas stuff how much did you spend because we have the starter kit $200 So much did you spend?

Starting point is 00:16:31 Probably another 150. Why? What was the purpose? It was really cute. Oh, for, it was really cute. Who did you buy that through? Myself. I bought it under my plan.

Starting point is 00:16:44 So you kind of got a cut? Yeah. Like a discount? Yeah. Almost? Yes. This is so f***ing moronic. And what does the man think of this?

Starting point is 00:16:52 He wasn't very happy about it because... Why is he still with you? from your perspective. I think he really likes my personality. I think... When it comes to finances, you know, I may not be the most empathetic, but in other...

Starting point is 00:17:11 Empathetic, you literally fucking go behind his back when you guys have agreed upon a budget and then you manipulate him to let you spend more money when you shouldn't, to continue the fucking pay advance cycle, and then you manipulate your friends and family to try to sell things out of an MLM for them. What are you talking about?

Starting point is 00:17:26 You're underscoring kind of what you do, You're under cooking a little there. But go on. Why does he like you? I think in other situations, like outside of the finances, I am a very empathetic person normally. Uh-huh. Mm-hmm. Mm-hmm.

Starting point is 00:17:47 No. I mean, you can say whatever you want, but... That's incorrect. I mean, you're just meeting me for the first time. How can you know? Because I know you. You know me. I know you.

Starting point is 00:17:58 Listen to what you fucking says. and how you've described these things. What are you talking about? You haven't changed a single, single piece of behavior after these tough conversations with him. You haven't changed a thing. What are you talking about empathy? What empathy do you have?

Starting point is 00:18:18 Oh, you see a skinny kid in Africa so you get a little sad? No, I mean, like... No, she doesn't even feel sad from that. No, that's not what I mean. You know, that's not what I mean. In other situations, like, you know, when he's feeling sad, Like, I'm there for him, and I help him, like, feel better and stuff. Basic bare bones responsibilities.

Starting point is 00:18:39 I mean... Of a partner. He's sad. So you support him. Wow. That is not you being a good person. I can't allow you to think you're a good person. You've consistently gone behind this guy's back.

Starting point is 00:18:55 I'm not going to just sugarcoat this and just let you off. I don't care if I look mean. You act like a piece of shit. financially with him. And I admit him by your own admission. So I don't know what the fuck you're talking about, empathy. How much is usually in your guys' checking account, which is between paycheck, paycheck?

Starting point is 00:19:17 Between paycheck? Usually we're in the negative. Good fucking yet. You don't stop your cake machine and everything. This makes no sense. You are prioritizing your selfish desires over any potential future. long have you guys been engaged? We've been engaged for two years, and we get married in October.

Starting point is 00:19:37 Oh, man. If you're listening to, is he watching this? Most likely. Man! Give me a call if you need, buddy. Doesn't have to be on camera. What the fuck are you doing? You got time.

Starting point is 00:19:49 Sorry, not trying to be a... But look at how you're doing. You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton.

Starting point is 00:20:05 Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay.

Starting point is 00:20:21 Things lady, you're fully self-admitting and almost proud in the way you present that you're okay with going behind your back. And I do appreciate you for why it's worth being willing to be open. honest, that is a tough thing, that is a brave thing to do, and I appreciate that. But you're also kind of a... I mean... Yeah, I guess I have a bitch about it. Yeah, you're a...

Starting point is 00:20:45 Yeah. I also would like to put forward that with the... Like, our negative balance, we actually have capital one, and they have no fee overdraft. So, I mean, it's not that big of a deal that we're going into overdraft. So it's okay that we're completely financially... guys, because we're not, we'll never be able to get a house, never be able to take care of kids, never be able to pay off debt, never be able to get ahead in any way whatsoever, never be able to do anything. Good luck retirement.

Starting point is 00:21:13 Ha ha ha, ha, never heard of that. But we don't have overdraft fees, guys, so we're golden. I do have retired. What the fuck are you talking? Yeah, how much is in your retirement? About 2.5 last time I checked, 2.5K. When did you start working? Last year, June 3rd.

Starting point is 00:21:33 So I've been there just about a little. I assume you just turned on a match, right? You just turn on your match. The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit Post shows. Exclusive and uncensored financial audit episodes.

Starting point is 00:21:58 Our call-in show, hammer it out. Then take the train. And brand new shows, Fat and Fatter. I would go off brand. Behind the audit. This was wild. Hammer versus Internet. And now, upgrading from one live stream a week to two.

Starting point is 00:22:22 No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerleet.com, and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite,

Starting point is 00:22:50 the best membership on YouTube today for free. I mean, they have the note that I guess his loans and debt gets pushed to the side a lot because of you, because of your priorities. And this is what you guys self-admitted when having a phone call with the producers. You guys just endlessly fight on what bills to pay with your paychecks before they go to zero, obviously. And it's just, he's just fed up. He's just fed up. No, he doesn't want to be here. This would be hard to confront.

Starting point is 00:23:18 Though it probably would have been eye-opening to you, my guy. But I can understand. So what the fuck? You guys just pick her back and forth yet. You have no care in the world. No care in the world. You just prioritize your own spending. Going out to eat was a thing.

Starting point is 00:23:37 thousand dollars so what the fuck are you talking about miss leone's bullshit five hundred eight dollars large purchases five hundred fifty six groceries is three hundred going out to eat was a thousand so come on you're prioritizing that what you want all your your makeup your tanning your food your fun over his bills or the debt he has that he wants to take care of on behalf of the relationship so that once you guys enter marriage in October and we are essentially in a way, whether you're spiritual or legal, whatever you want to think about it, combined, that you guys can have a good life together. And I have to have one of the leading causes for divorce in this country.

Starting point is 00:24:20 Financial problems. But you're like, no, let's test it. Let's push you to the limit. Let's see how far we can push financial problems before it breaks. We actually did have a small breakup because of finances. When? This was, we had just moved to Lafayette. It was a couple months into us living in Lafayette.

Starting point is 00:24:42 And when? I don't know. It was late March, 2024. So you guys were already engaged? Yeah, and we broke up for like three hours. Oh, come on. But the fact that you guys had the discussion, that is not good for the things to come. That is not a good sign for the times to come.

Starting point is 00:25:07 because let me tell you, that's in the back of his head. That's in the back of his head. You guys have these conversations? He stacks this up every time you go behind his back. Stack, stack, stack, stack. Hey, future wifey, I want to pay off that. Stack, stack, stack, stack. Make up, makeup, makeup.

Starting point is 00:25:25 Hey, can we prioritize paying off this debt? Stack, stack, stack. Going out to eat. Fuck you. Fuck you. It's just got to, you think he. Have you guys delayed the engagement ever? Delayed it?

Starting point is 00:25:36 The marriage. Oh, no. Getting engaged. Okay. I'm honestly surprised. Honestly surprised. How do you even pay your bills? Because I assume you guys have the max out, you max out this early pay.

Starting point is 00:25:50 How do you guys pay for things in between then? Because there's no way. Unless you have every early pay that's ever been invented. But even then you're only paying them back and then having to borrow again. Well, there are certain ways that we get around like paying off certain advances. We each have a savings. account and we will pull the money from the checking into the savings account so that way it stops from auto drafting and that way we can pay whatever like bill is most important so like rent

Starting point is 00:26:20 truck note whatever all that so it's $800 in savings we're not going to be able to do that forever what are you talking about you ever borrow money from family or friends or yes yeah oh for sake what how much how often not much and not often not often not much and not often Right, which is, by the way, why I have the note that you guys borrow from your mom once every paycheck. You lie, or you're not going to manipulate me in this conversation as well. Yeah, I asked that question as a lead on, because I knew the answer. Because they typed that answer to me is an interesting thing to bring up next. You manipulate him.

Starting point is 00:26:57 You're not going to manipulate me. I've been in too many of these conversations. Okay? You borrow from your mother every fucking paycheck. She's spoiled you your entire life, and now you come on here. You try to pretend like, oh, no, we're just struggling. Can't make ends me. How often you borrow?

Starting point is 00:27:16 Oh, not that often. Every paycheck. The fuck are you doing? Why mess with me like that? You had the pre-interview questions with the producers. They know you. I don't. I go blind with the audience.

Starting point is 00:27:33 But they feed me things here. here and there. You lied. Why lie to me? I thought we were just talking about friends. If we're talking... Okay, yes. If we were talking about friends and family, yes,

Starting point is 00:27:47 I do borrow from my mom once every paycheck. That's insane. How much? Usually just like 50. And I pay her back the next paycheck. That's not saying that you have to pay. You're fucking pay advanced from your mother. You realize how insane that is?

Starting point is 00:28:01 No. I'm going to be honest. No. I don't know how insane that is. I mean... What? She's my mom. She's my mom.

Starting point is 00:28:06 She's supposed to help me out in times of need, isn't she? Oh, she's enabling the fuck out of you. Oh, mother, if you're seeing this, oh, cut this woman off. Cut this fucking woman off. Banks, if you're seeing this, cut this woman off. Except you probably make a lot of money off of her, so I understand why you're not. But mom, at least cut her off. Oh, you've just been spoiled your entire life.

Starting point is 00:28:27 You don't even understand how this could be considered better. You're bought. And the friends? The friends doesn't happen as often as the mom. It's maybe like once a month. First of months and friends. Once a month, about lady. What are you image do you have?

Starting point is 00:28:57 Oh, talking about. What the actually you're talking about? That makes no sense. That doesn't make sense. That doesn't make sense. What are you borrowing from your friends for? I'm borrowing from my friends for the same reason I borrow from my mom. Why?

Starting point is 00:29:11 What's the reason? I don't know the reason. You haven't told me the fucking reason. It's usually because we're, out of advances to take out and we're out of money and we need to buy like cat food. We have two cats. Oh, fuck off.

Starting point is 00:29:25 They don't get your. I told you. Cats come first. Cats come first. I told you earlier I need makeup to go out in public. No, you don't. You do because you're fucking insecure. You don't need that.

Starting point is 00:29:45 I mean, I grew up in a household where my mom told me that it was needed. Well, your mom's a... And also, she funds your entire life. Don't listen to her. What? She's spoiled you in your entire life. Why are you listening to your mother on this fucking makeup thing?

Starting point is 00:30:04 You're not a kid anymore. I understand it if you're 13. She's like, put on your makeup. We're going to church. He-he-h-h-h. Got to put on your makeup, so the fucking boys will head on you at school. He-h-h-h-h-I don't understand.

Starting point is 00:30:15 You're 24. You can make your own choices. Okay. I guess it's embedded in you. I get that, but. But it's still just like, I mean, you still want to listen to your parents, even if you're an adult. Your mother would shame you right now if you didn't put on 20 pounds before you leave the house? Dude, absolutely she would.

Starting point is 00:30:34 Okay. Absolutely she would. If she, like. So she looks like an insane Northeast Italian mom? No. She's a little paler than I am. And she, no, she doesn't wear as much makeup as I do. but like I mean I grew up with like 2016 YouTube where like

Starting point is 00:30:52 You also grew up with real eyebrows I did Very true Those didn't last long Okay go on YouTube yeah James Charles Yeah James Charles Jeffrey Star all of that I grew up with 2016 YouTube so that's why I do my makeup the way I do it You know they moved on

Starting point is 00:31:07 That doesn't mean I have to I mean I just I don't know what to do with you I just I don't know what to do What the fuck does your mom even do for a living My mom does hair for the movie industry. How much does that pay? You're in Lafayette, right? Are they in Lafayette? No, they're in Lake Charles, but she goes to New Orleans. Like, she has an apartment in New Orleans

Starting point is 00:31:27 that she'll stay at during the week. Is that a big movie city? Yeah, New Orleans is a huge movie city. Fact check? Okay, true. But yeah, she makes about 100K a year. How much do they make? My mom makes 100K a year. My dad, probably about 75. My dad works at... They do very well for what it's worth. Yeah. Oh, it's honestly just bad for you in your entire existence and your future that they have spoiled you your entire life. I don't see it that way.

Starting point is 00:31:57 How, look where you are. Would you suggest me you're in a decent place? I mean, no. I'm not in a decent place. What the fuck are you talking about? How can you suggest that anything that has led up to your financial situation today can be considered good? You guys are destroying your financial future, spending like you have unlimited money,

Starting point is 00:32:13 but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment. Yeah, it's getting a little tight. 264 chins! I didn't know we had that many. You guys have to take control of your finances. How?

Starting point is 00:32:31 Just download the Dollar-Wise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar-Wise budgeting app today and take advantage of your free trial. What I'm saying is, is them spoiling me is not necessarily a bad thing.

Starting point is 00:32:51 They were just trying to do what their parents couldn't do for them, basically. Which doesn't exactly help. Listen, it sucks to absolutely get nothing. We live in poverty. It sucks to overdo it as well. You know no sense of struggle. You have no respect for the dollar. They come and they give you money constantly.

Starting point is 00:33:07 They loan you money. Do you always pay it back? Not always. Exactly. Exactly. That's why it's bad. You don't get that? Do you not see that?

Starting point is 00:33:18 There's no consequences for your actions, and they always bail you out? Why would you feel like you need to actually sacrifice and grind to make... It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179, like the next grill three-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all to. Together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th. Exclusion supplies to at homedipo.com slash price match for details.

Starting point is 00:33:55 A better life. Why would you feel like you need to do that if they will forever bail you out? You have a cushion that will exist no matter what you do. So why sacrifice? Why sacrifice to get out of this mess? when mommy and daddy are there to save us if we need. I guess I just want to prove to myself that I can do it by myself. Well, you've only gone reverse. And I think the future husband, hopefully not, is kind of involved in this as well.

Starting point is 00:34:36 So I think he's impacted. It's not all about you. I know everything you've done in life has all been around your selfishness and selfish desires, but it impacts him too. In fact, even if it's just 50 bucks, but that is 100 bucks every month, if they do that indefinitely, it impacts them too.

Starting point is 00:34:51 This isn't just about you. What about his parents? His parents help us out as well. Oh, good f***ck, man. Oh, good absolute, do tell. His parents actually are the reason why we were able to move to Lafayette. So...

Starting point is 00:35:09 They covered the moving house? Basically, yeah. And they also... covered some of his debt as well. They took out a loan. What the f***? And gave it to us to... Yes, they are.

Starting point is 00:35:22 You guys are just using your parents. And he's just as bad in that case, it sounds like. He supports you guys borrowing 50 bucks every other week from your mom? No. Oh. Absolutely not. Support a borrowing from his parents to move? No. He hates having to ask his mom.

Starting point is 00:35:37 What the fuck are you doing? But you're okay with it. You push for it, don't you? Yeah. Oh, you push to borrow. from his parents. Oh, they do, they do not like you. No, they love me.

Starting point is 00:35:47 No, they do not like you. They love me. No way. There's not a chance in this world. Why would they? Like I said, great personality. Evil daughter-in-law? Coming in?

Starting point is 00:35:57 Great personality. Where is this great personality? I haven't witnessed it yet. I could put it on for you if you want. I don't know. All you're doing is sitting over there sniffing. I mean, look what you're doing to her boy. Their boy.

Starting point is 00:36:13 Their son. Then you go to them, you push for him to ask for money. Oh, gosh. How much did they give you for the move? Believe it was either $5,000 or $6,000. What the f in what world did you need that much money? So the $1,000 of it was, or like, yeah, $1,000 of it was for the apartment, and then the rest of it was to pay off his cash net loan.

Starting point is 00:36:40 Oh, what the fuck? Why? Why did they pay off the loan? Why did you need that to move? You need that to move? It was a very, I mean, it's a high interest loan. Cashnet has a company sucks. They have the worst freaking interest rates.

Starting point is 00:36:54 But he asked for it. I mean, he was like, hey, I just need a little assistance getting out of this. Good. Oh, how are you guys going to sustain on your own? If you guys don't get a massive inheritance, and even if you do, you're just going to blow it all. By the looks of it, too. So, I don't know.

Starting point is 00:37:14 Dude, I don't even. know. What an opening to a conversation. What a first impression. I have a fucking first impression. Listen, I'll always send you to a therapist with Sondermine. And I'll get you a fizz card, a debit card that builds credit. So take advantage of those, of course, career certification as well. But I want to know what you think your financial score is zero to ten. Zero being the worst, ten being the best. Where do you think of the household is? You and him combined.

Starting point is 00:37:45 not your parents' household finances. Definitely a zero. And you're okay with that. No, not okay with that. Yeah, you do nothing to change it. Great. If you want your financial score, if you want an assessment to see where you stand in the world of finances, go to Caleb Pember.com.

Starting point is 00:38:01 Click that link in the description below and go to Caleb Perman.com slash Apply if you want to be on this show and don't forget, if you don't want to be like a guest-friendly cookbook, they can't be purchased anywhere else. I'll sign it and mail it directly to you. If you sign up for a budgeting app, take that free trial and then sign up for the annual version.

Starting point is 00:38:14 But either way, take that free trial, take control of your finances, with dollar wise. Make sure you download it today. Okay. What the fuck I'm looking at? I have something closed. Uh, it's an auto.

Starting point is 00:38:27 Close? So, repoed? Oh, for a fuck I haven't had a repo in forever. Oh, what the fuck you're getting repo for? So, that's a fun story. Oh, fuck me. Basically. I didn't want a letter to say it.

Starting point is 00:38:43 I used to have a 2015 Buick Verano. It was a, gift from my family because my great-grandfather had passed away. And I was 17 at the time. I was 17 at the time. But also, what the fuck? You've just been given everything forever. No wonder you have no respect for the dollar.

Starting point is 00:38:58 Continue. So far, story, not that thrilling. I was 17 when I got the car. When I was, uh, was that 20, yeah, I was 22 years old. Oh my God, it's just a child. I was 22 years old. And, uh, the catalytic converter in the, the Buick Verona was going out.

Starting point is 00:39:19 And instead of replacing the catalytic converter like I was recommended to, I instead... You know, why listen to people that know more than you? I instead called my fiancé and badgered him for 40 minutes to... Yeah, 40 minutes. And I convinced him to let me get a Ford Bronco Sport Heritage Edition. Yeah! 2023. Yeah.

Starting point is 00:39:52 Oh, this guy. This guy is such a pushover. What a. Oh, he needs to be able to stand up on something. Oh, what a. Oh, this guy. Oh, this guy. Oh, where is he? Oh, he knows I would just be ripping him three pretzels right now if he was here.

Starting point is 00:40:16 No wonder. My goodness. Where the fuck are his balls? And what is wrong? Huh? I just don't. like you talking about my fiance. He's a...

Starting point is 00:40:26 He's not. He let you... You have no money. You guys are dying in debt. You guys broke up over finances, well engaged, and he let you get a brand new heritage edition for Bronco because you

Starting point is 00:40:39 cried for 40 minutes like a manipulative... So, he's a... What are you talking about? Come on. Why would you even manipulate him into this? Obviously, it did not work out. No, it didn't. I had the car, I got the car in January of 2023.

Starting point is 00:40:59 And you qualified for this debt? 2024. And you qualified for this debt. No, he co-signed. Did he want to? No. Oh, he was this. Yeah, I definitely convinced him to co-sign with me.

Starting point is 00:41:17 Oh, my goodness. This is an awakening. Yeah. And yeah, I had the car January, 24 and then. Wait, wait, wait, wait, they're typing something to me. Oh. They said for you, not with you. You're twisting something.

Starting point is 00:41:35 He didn't sign for me. He co-signed with me. He was your co-signer, though. He did the so you could get the car. He wasn't co-signing with you. He co-signed for you. Oh. Sorry, I don't know the technical terms about it.

Starting point is 00:41:49 Guy. Run. What happened to the car? I had a retail job at the time. I was making $10 an hour. hour and the car note was $816. Oh, what was the balance? 38.

Starting point is 00:42:14 That I don't know. I didn't pay attention to it. Oh, I'm guessing it was substantial. $40,000, $800 a month, but what are you making a month? I was making. A $1,500? Yeah, I was making, yeah, yeah, just about. It was a great car, though.

Starting point is 00:42:45 It helped us meet to Lafayette. And it got to take it from you because you were a dumb. Well, I surrendered it. I said it was a repossession. I surrendered it. It technically comes up as a repossession, doesn't it? Yeah, just because it was a volunteer. It doesn't mean it was to repossette to you a little.

Starting point is 00:43:00 They fucking lost my... You deserve that credit hit. And now it's on his. Yeah. Oh. Look at what your finances, your decisions, your actions do to someone else. it's unacceptable you have

Starting point is 00:43:22 him in so many disgusting ways that are unacceptable as someone that call themselves a partner okay but I'm not the only one with debt in this relationship here it's not about debt it's how you did it

Starting point is 00:43:36 you made $10 an hour made him co-signed on a car payment you could never afford how long did you hold it until April so four months did you take it up man oh I feel my veins tightening but that was why

Starting point is 00:43:51 That was why we ended up breaking up for like those three hours. No, shit. Said one of the... Because he was fucking engaged to a... But yeah, one of the reasons he said he would get back together is if I gave up the Bronco. We were going to try and like trade it in for a cheaper vehicle. Trade it in. Oh, your equity position must have been.

Starting point is 00:44:12 Oh, it was bad. Trade it. Yeah. What trade in were you going to do trade it in? It was a Kia Forte, $25,000. I think it was a 2024. or two. Oh.

Starting point is 00:44:27 But yeah, I know that the dealer said we couldn't. And so I ended up... Oh, that's weird. Ended up surrendering the vehicle instead. Now we share a vehicle. I'm going to fucking surrender my life after this conversation. Fuck me. You know what's harder than trying to cancel a gym membership?

Starting point is 00:44:45 Figuring out if your insurance actually covers anything. I swear, insurance companies must take class on how to make this stuff as confusing as possible. But if you're looking into into Chlp1 medications like Ozemp or Wigovi, Roe, today's sponsor, cuts through all that noise with their free insurance checker. You just upload your insurance

Starting point is 00:45:05 card and Roe handles the nightmare. No calls, no paperwork. Instead, you get a clear report showing exactly what your insurance covers. Over 500,000 people have already used it, which should tell you something. Go to row.com slash Caleb to check your insurance for free. That is, R.O.c.c.c.

Starting point is 00:45:22 And of course, go to ro.co slash safety for black box warning and full safety information about jlp1 medications let's get back to the episode why is he stayed with you i am so confused i'm so confused i'm genuinely confused let me see another angle of this man something's wrong something's wrong you can listen i'm saying this is a solid five out of ten here you can scroll through we have engagement photos i mean he looks a little bit like a russian missionary so ambition comes in all and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. I'm not sure what he's trying to fucking conquer

Starting point is 00:46:13 and compensate out of this one. Whatever he's had, Vladimir, you got it. Leave. Abandon. Abandon Afghanistan. The union's collapsing. Get out. Well, at least you're making more money now. Well, I'm, okay, so you have a payment plan on this, or is it just sitting there? It's just sitting there. Oh, good. How nice. Good thing you guys will never get a house ever. Wow, I should probably move the fuck on, huh?

Starting point is 00:46:45 So is this your career track then? Are we going to move up in here? What degree do you have? Did you go to college? I did, but I dropped out. I was going for your theater. Uh-huh. Oh, discover it.

Starting point is 00:46:58 What am I even going to fucking see in this thing? I don't even know. I'm scared. I'm scared. I'm scared. I'm scared. Oh, no. You absolutely fucking animal. There's not a chance in this damn world.

Starting point is 00:47:12 You creature from fucking mortar. You have been hatched. You, what are you? Oh, you have been delivered to this earth to make humans suffer. You have had fire. I'm burning up. I am burning up. I'm crashing out.

Starting point is 00:47:38 I am crashing out right now. Oh, I haven't seen someone like you in at least a year. At least a fucking year. And it wasn't. Oh, fucking, oh, my goodness. At least I know I get the count down the fucking hours until I have to sit across one of these again. What the fuck? How we got a link fee every fucking month this year on the discovery card, lady?

Starting point is 00:48:00 We're trying to focus on paying off the cash advances. You have to make you. What debt payment strategy are you doing? Huh? What debt payment strategy are you doing? And the Septim version, it's not getting you there. Yeah, I was going to say right now we really don't have a plan. It's just kind of sitting there.

Starting point is 00:48:21 Then why did you say you're focusing on paying off the other thing? You don't have a plan. What are you talking about? You're not focusing on those. You probably aren't focusing on those then if you don't have planning. They're just sitting there. What are you talking about? We're focusing on paying the cash advances right now.

Starting point is 00:48:32 You just said you don't have a plan. We're focusing on paying the cash advances right now. What does he get out of the cash? It doesn't say, lady. Because you send me the second page of the statement is the screenshot. that you set in. Very, very productive to this conversation. I really appreciate it. Nope, I got it. Never mind. Keep it there. Keep it there. Put your phone away. $4,349. That is insane. That is fucking crazy. That is insane. That is more than

Starting point is 00:48:59 your monthly income on just one card. And we have documents to go through. You better believe it. Interest is here so far 500 bucks. I mean, together, all the fees and everything. Oh, even the interest rate is just 1.99% and you are fucking that. up somehow. You're f***ing that up somehow. What have you not f***ed up in life? Have you ever done something successfully? Yeah, multiple things. Name two. I have done multiple shows in theater and managed to get through all of them without messing up a line. Congratulations. You have no career in theater, so I do not consider that as success. Number two. I got this job that I have right now. How long have you had it? A year. Okay. And which, oh, yes. So normally, like, used to, I used to

Starting point is 00:49:43 job hop a lot. And I've managed to keep this job for a full year. And I'm really proud of myself. Wow, guys. Our basic minimum of our responsibilities, that's what we're, they're fucking, that's how we make it through life, ladies and John, when we pat ourselves on the back, you know why, I know people like you, you know why you're okay and so nonchalant about everything. Look at you. The fact that you're satisfied at that, the fact that you're proud of that, you see that, you latch on to it like it's a grand achievement. And you think you are doing so well because of it. And you, nothing else matters.

Starting point is 00:50:20 None of that other stuff can take away from it. You think because you have one good thing to latch on to, all of a sudden it negates all the other that's attached to you. No, it doesn't. You're not a good person. You haven't accomplished much. You're at a job for a year. Thank you for the applause.

Starting point is 00:50:42 Appreciate it. So that's the applause you'll ever get because you're never going to be in a theater company again. I don't even know what you're fucking out. It looks like the normal minimum is 113, though. 114. What's this? Set of second page of this?

Starting point is 00:51:12 Mm-mm. That's Discover transactions. Discover what? Checking account? No, his, he has a, he has a Discover card as well. What's his balance? Was that? Shh.

Starting point is 00:51:27 Oh, oh, fuck me. Oh, he's just as bad. He's just as bad. He might not be as selfish, but he's just as bad. Fee. Doing this. Why are you guys doing this? What is this balance, lady?

Starting point is 00:51:50 I think it's like 20,000. Oh, what? Yeah. I think so. Oh, what is his job? He works as a fire alarm technician. So he actually did a couple trainings and he gets like dollar increases every time he does training. So he's making 19 now.

Starting point is 00:52:13 Oh, oh, 20. $20,000. $1,000. What the fuck the world do we live in? It is time to end it all. Rand, if you're listening, send them in. I'm ready. I'm ready.

Starting point is 00:52:28 We need to leave. It's time to leave this earth. Send them in. Austin, Texas is the seat of government and power of Texas. If you want to destroy the second most populated state, we're ready. Come on in. I think that's a little dramatic. I do.

Starting point is 00:52:45 I don't fucking know. I don't know how we survived. of us a society with people like you. I don't know. Look at this. And people like him, too. 20,000 hours and credit card on one credit card with return fees when his minimum hits? Return fees?

Starting point is 00:53:03 What's his minimum? That I don't know. It's 41. That's what he tries to sometimes pay. And then it gets returned because you don't have enough money in your checking account. Yeah, because everything gets auto-drafted. Because you get 50 pounds of makeup a month. $20,000 is crazy.

Starting point is 00:53:26 It is the most insane I've ever seen. What are we doing? What is this? What is society? How have we survived? What the fuck are we doing? Why do you possibly? Why do we possibly have

Starting point is 00:54:00 573.573.57% interest rate debt. 573% interest rate debt. What the f is happening? That's one of our cash advances. It's not a cash advance. No, this is a payday loan. This is not a cash advance.

Starting point is 00:54:19 Or a payday loan. No, there's a huge difference. There's a fucking huge difference. The cash advances that you get you a little paycheck early and then you have to pay it off. And I said sometimes those can be a tool, sometimes abused. A lot of people get in a situation. There is no tool at a 573% interest. rate. There is no tool.

Starting point is 00:54:36 That's not a tool. That's a fucking nuke. What are you talking about? You're taking on pay-de-laws and you think they're pay advances? I don't know the difference. I don't know a lot about finances. I'm trying to learn. I'm trying. I'm trying. Google can exist. And it would tell you this is bad. We'll send you through our educational programs. Then they're good. Instead of having to search for everything, we give you all what you need.

Starting point is 00:55:03 We have four courses, five courses now. And you can sign up for Dollar Wise Central and get access to all them for a much lower cost than purchasing them individually. Go to DollarWise.com. But what the fuck you're talking about? What the fuck you're talking about. You could literally have looked up. Our paid day loans bad.

Starting point is 00:55:23 Is the 500-something percent interest rate good? You could have looked that up, lady. I mean, they made it seem like it would just like, you know, it comes out autographed. Oh, the company is telling you on something? the company that wants you to have their product. And we did need that advance. We were going on a trip. Oh, for a fuck.

Starting point is 00:55:46 I don't know how to make it to this. What the fuck you're talking about? I'm sweating so much right now. We were going on a trip to Galveston. Austin. We went to fucking mud water? Well, we went to Schlitterbond. An outdoor water park?

Starting point is 00:56:15 A payday alone do go to a water park? Why am I doing this show anymore? Why am I here? What am I doing with my life? I have enough to retire. Well more than enough to retire. Why am I still having a conversation like this? Me and my girlfriend, we just go, we go live the life we want to live.

Starting point is 00:56:41 And yet I somehow decided that I would sit in this chair today in front of you, the second septum piercing in a row, and you're taking up a hitting loan stuff in the opposite. You don't even understand what that's even slightly a bad thing, and then you abuse your boyfriend, what the fuck are we doing? And your parents, what are we doing? And his parents, what are we doing? Why am I doing this?

Starting point is 00:57:09 Why am I doing this? Why am I talking to you? Why am I spending my time right now talking to you? I mean, I need help. I'm here to get help. Shut the fuck up. Okay. Let me give you some help.

Starting point is 00:57:31 500% interest is not good. Now I know. Yeah, now you know. That's the thing. Again, listen, I'm willing to help someone. You're an abuser of your fiance. You're a manipulator. You're a disgusting creature on how you treat people around you.

Starting point is 00:57:47 I'm not going to sugarcoat it. I don't care if it look like a... It would be inappropriate for me to say otherwise and just coddle you and make you think, oh, it's okay, princess. That. Why would I help you? I'm willing to help 98% of the people that come on the show. Why would I help you?

Starting point is 00:58:04 If not help me, you could help my fiance. Yes, run. It's more help than I could ever provide. I don't know why I'm a why I, why should I stay seated here? Honestly, why? Why not? I could go out there and I could just enjoy my time. I could just enjoy my time.

Starting point is 00:58:24 I could send Brandon home and highly encourage him to do a Twitch stream tonight, and then I could just jump on and play video games with them. That would be more fun. substantially more fun. Why the fuck am I sitting here? Oh, sorry guys, I'm crashing out a little. Okay. I'd be willing to help you if you weren't a disgusting person.

Starting point is 00:58:43 You're a disgusting person. I'm so sorry. I'm so sorry that I have to say that. People aren't probably willing to tell you the truth. You use and abuse everyone around you. I'm willing to help everyone. Everyone that comes on the show, I'm willing to help. I've actually paid off people's debt behind the scenes.

Starting point is 00:58:59 There's a few people that I have helped when they've showed progress. I'm willing to help. Why the fuck would I help you? What have you done to deserve help? You just want another enabler is what you want. You just want another enabler in your life. That's not true.

Starting point is 00:59:16 I don't want... Enabled and spoiled by your parents and his parents and him. Okay, no. No, that's not where I'm going with this. No. I am here to get help. I am here. I recognize that I'm being enabled.

Starting point is 00:59:30 I recognize that I am spoiled. I recognize all of this. I am here to get help. I don't want to do this anymore. I don't want to put him in that position anymore. I'm done. Like, I'm literally done putting him in that position. No, you would have done something.

Starting point is 00:59:47 That's bullshit. You lied to me at the beginning about how you borrow from people. And right there was another lie. You might want to see that. You might want to say that because it looks good. You don't like that someone is judging you right now. It feels good to say that. that. That is a good defense statement. And some people might empathize. Those people are morons.

Starting point is 01:00:10 You're lying to me. You're lying to yourself. No, you don't. If you had an actual desire to do that, you would have done at least one singular thing before this conversation right here to actually try to improve that between you and him. You've done nothing up until this conversation, done nothing. Then you sat here and now you want to try to say that you really want to change that. If you did, you would have released put in an attempt. You haven't done one attempt. That's not true. Off, that's not true.

Starting point is 01:00:45 Okay, so pay a loan. It's literally, literally $250. That's what you finance was $250. So we could go to Galveston. What the fuck? So $250. payment is what's your monthly payment it's usually a one-time payment of 305 have you paid it no yamava resort and casino at san manuel is california's number one entertainment destination for today's

Starting point is 01:01:31 superstars catch the jonas brothers return to the yama va theater stage on april 30th the powerful vocals of demi lavato on may 17th and the signature southern country rock of eric church on july 19th tickets on Sale now at Yamava Theater.com. Only at Yamava Resort and Casino. Celebrating its 40th anniversary. You win? Must be 21 to enter. Not that one yet. Not yet.

Starting point is 01:01:58 I'm getting chills of just of disgust. All right. All right. All right. We're going to come together right now and we're going to do a little bit of self-reflection and confessing on my behalf. The last couple years, I've been launching educational programs each quarter or so. And then we also launched our budgeting app. And tens of thousands of people have taken these programs. and more than tens of thousands of people have downloaded the budgeting app.

Starting point is 01:02:25 The fact is, as someone who wanted to go to college to educate people, I love working with professionals in making these programs that actually changed people's lives. But the confession and realization is the more and more we make and the more and more I want to make to educate people on certain topics, the more expensive it's all getting. So I sat down with my team a few months ago and we started brainstorming a solution on this. We decided to rebrand kind of everything we're working on for the future, and we've brought it all in as dollar wise. You got the budgeting app version,

Starting point is 01:02:55 and then you got the education version. And what we're doing right now is bundling it all together for literally 80% off. That is 8.0% off. And we're calling it dollar wise central. You get all of our educational programs that we've made

Starting point is 01:03:09 and the premium version of our budgeting app all for one singular price. Again, it's literally 80% off at dollarwise.com. Those links are also in the description below. tens of thousands of people have changed their lives. You can too. And now for a lot cheaper, go to dollarwise.com. This is insane.

Starting point is 01:03:28 This is insane. Why would you allow this? Why would he stay with this? Okay, did he know you were getting this? Yes. And his thoughts? His thoughts? I mean, he...

Starting point is 01:03:42 It was like a family trip, so we knew we kind of needed the money. Um, go on. How does that make sense? the family trip so we have to get a 500% interest rate loan. Please, please connect those dots. Once again, we didn't have any money from our checks. And we were going on this Galveston trip with his family. And I knew we were going to need a little bit of money.

Starting point is 01:04:09 So I asked him if I could get... 500%? And he said, he said, yeah. Right now. I don't know if he's going to... Call him right the fuck now. Uh, register on network You can only make emergency calls

Starting point is 01:04:26 It's an emergency Yeah, Wi-Fi Can you call him on Wi-Fi On that? Like, legit is not letting me call him Close your phone I'm gonna fucking

Starting point is 01:04:58 Man What the fuck are we doing here? Why? Why the How? Why are we spending You, fuck me. This is at a 792% interest, right?

Starting point is 01:05:21 What the possible... How are you doing? What the possible... Are you doing? That one, I really don't remember what that one was for, but that one we borrowed... You borrowed $500. Yes, yeah.

Starting point is 01:06:02 What's your total? You're paying back by the end. I think it was like 15, wasn't it? Or two, 2000? $4,000. $4,000 for $500. But that's one. Are you giving me a butt from that? No, I was going to say, but what did we go to?

Starting point is 01:06:24 The roller coaster park this time? No. I was going to say that's one of the ones that we were going to try and pay off like with more than the minimum payment. We weren't going to do the minimum payment. Says the person with negative money in their checking account. Fuck you. That's a great plan with no actionability that you're able to do behind it.

Starting point is 01:06:43 What are you talking about? What the fuck are you talking about right now? Katrina, if you're listening this time, you don't need to target New Orleans. Go straight to Lafayette. Hit that hard. Hit it hard. What the fuck?

Starting point is 01:07:10 Oh, $500 pay and then your finance. on top of that is 3,500. What are you? What the fuck even are you? I'm going to say the balance of this right now is... I don't know. I'm going to say the balance of this is a thousand. It's course you're going to be paying a lot more than that.

Starting point is 01:07:40 This is... What did you borrow for? I don't remember, to be honest. We just... We don't even know, man. Just a situation. Probably groceries. To be honest.

Starting point is 01:07:51 That's a minimum payment of $305 paid biweekly. Split in half. This is from earlier this year. We're not officially halfway through the year yet, and you don't know where this is from, this literally life-destroaring loan. You don't know where it's from earlier this year, a few months ago.

Starting point is 01:08:20 I remember taking it out I just don't remember what it was for They started garnishing your wages from this loan Yes You gave them access to your account Yeah You gave them access to your account This isn't a government

Starting point is 01:08:43 They can't just garnish unless you give access I'm sweating so much I'm sweating so much And this is so f*** This is so f*** You don't understand You don't understand Listen you're at this point

Starting point is 01:09:05 Listen Actually do I have empathy for you and how you do things. Boop, poop, boop. Bye, bye. You're... But this is affecting so many other people. This is affecting your fiancé,

Starting point is 01:09:18 which honestly is probably more involved in honestly enabling this more than I'm giving them credit for. Well, this is insane. This is insane. Why would you give them access to your fucking payroll information? I think it... I thought it was required. For this loan, probably.

Starting point is 01:09:38 Because look at it. They're going to make... I'm just saying a part of me wishes I was morally bankrupt look at this I make good money doing this don't get me wrong but look how much more money can be made out there if you just have no morals

Starting point is 01:09:56 they gave you $500 and they make $3,500 a profit oh my goodness what the fuck are we doing oh my gosh why sit here and film with someone who's a disgusting person when I could just be giving out loans to

Starting point is 01:10:16 disgusting people and ruining their lives. You're breaking records over here, girl. It continues. Oh, my, it continues. Good fuck. I've lost it. I've lost any will to survive. I've lost any...

Starting point is 01:10:47 Ha, just... What the... What am I doing? This is at a 591.81.87% interest rate. You borrow $1,000 for this one goes up. Every time you pay back a total of $4,400. $113. That one was

Starting point is 01:11:13 also, I mean, we were in the negative. We needed money for groceries. So we took out at first it took out 600 and then at another point they let me refinance it for the full thousand. So I refinanced

Starting point is 01:11:29 and took out the other 300. This is the refinance? Yeah. She refinanced to 597% interest. 91. Refinanced to 500. 991% interest. I'm going to say the balance is 1,750.

Starting point is 01:11:48 The payments are insane. The payments this month alone are $464.4.45. That's your monthly payment. And why did you take this out? Be real. Come on. Why did you take this out? I know the answer.

Starting point is 01:12:10 We refinanced it for... Why did you take this out? Why did you take out the original loan? the original because you didn't have enough PTO and went to go see your friend Oh! Yes, that is why we took out the original one.

Starting point is 01:12:28 Sorry, that's from like, that's the one that was long, long time ago. Yeah. Long, long time to go to her is last October. It was, yeah, during Hurricane Francine and I didn't have enough PTO, so I took a train to Illinois. stayed there for two weeks and then came back,

Starting point is 01:12:51 but I needed money for, like, you know, groceries while I was staying with my friend. What is this lending club loan for? What is this lending club loan for? You owe $243 from Lending Club. The minimum monthly payment of 58. What is this for? Do you know one single thing?

Starting point is 01:13:27 Do you know, A literal one thing. How have you made it this far in life? Apparently it's his loan. Oh. And you didn't even know that. You didn't even know the difference between his loan and your loan. I'm...

Starting point is 01:13:41 It all just blends together at this point. Oh, my gosh. Where did Logan Paul go? He went to a forest that I need to visit for myself real quick. In club. Yeah, that one I literally do not know. I don't recognize lending club. Well, he owes $243.

Starting point is 01:14:13 I don't know what the interest is because it's a screenshot from his credit report. $58 minimum monthly payment. Why do I see just a random cash app screenshot? That's my cash app statement. But they give me cash advances as well. That's like one of the advances. Which can, if properly managed, be a tool. But my goodness, just like a credit card, most people, they're fucking da.

Starting point is 01:14:44 Dha! Okay, so you owe $150. I did pay that. But then I took out the $300 that they offered me today. What are we doing? Don't know why. What the fuck of these things. Hey!

Starting point is 01:15:24 You're a day. I need a little bit of gas money. We would have given you gas money. At that point? No, you bought things at Buckees. Listen, we know. We know your entire existence. You're a liar.

Starting point is 01:15:42 A liar. You are a liar. Liar. In Bronco T-shirts for you and your mom. Yeah. They were super cute. Shut the fuck up. $600 cash out.

Starting point is 01:16:09 That she took out the day of filming financial auto. Eventually. Trading at Schwab is now powered by Ameritrade, giving you even more specialized support than ever before. Like access to the trade desk, our team of passionate traders

Starting point is 01:16:53 ready to tackle anything from the most complex trading questions to a simple strategy gut check. Need assistance? No problem. Get 24-7 professional answers and live help and access support by phone, email, and in-platform chat.

Starting point is 01:17:07 That's how Schwab is here for you to help you trade brilliantly. Learn more at Schwab.com slash trading. Is that the Midland credit? Don't. Okay. Lindsay Can this please be my retirement episode?

Starting point is 01:17:32 No, I don't think we're allowed to do that. My life right now. You know, most content that people produce on YouTube is fun. Why weren't we a gaming channel? Why weren't we a food channel? Why weren't we a Grahamstaff and talk at the camera for eight minutes channel?

Starting point is 01:18:05 Why'd we have to be financial? audit. Why do we have to be financial audit? Gosh, I just really fucking hate this. It flows through my bones. If you weren't such a piece of him, to other people around you, I would have sympathy. I would feel bad about this, but you're doing all this and dragging him down with you while taking from both sets of parents. And it rages me. Midland Credit Management. What is this? That's my best buy card.

Starting point is 01:18:56 It got a... They took it. I don't know if that means it's in collections. I don't know. They are a debt collector, so I don't know if that means it's in collections or not. But it was a best buy card. You're late.

Starting point is 01:19:15 They have a minimum monthly payment for you. You're late. Why? And you want to pay more on the fucking payday loan? And you're not even paying this on time? What the fuck are you? What? What?

Starting point is 01:19:32 What? Why don't you paying this? We're trying to pay off the cash advances. That's all it is. We're trying to get out of the cash advance cycle before we start tackling like our credit card debt. Don't use cash advance. You're on payday loans. Sorry.

Starting point is 01:19:56 You're on payday loans. You're on payday loans. And what were we spending on the best buy card? I bought a PlayStation 5. Me really wanted one. Nothing like collections for PS5s. Got a PlayStation 5. Do you play it?

Starting point is 01:20:27 Yeah. All the time. You should read a book. You have a long way to go. Yeah. Angie used it to upgrade their PC. Yes. Yeah.

Starting point is 01:20:45 We did. Oh, she is, Dave. Again, like this. It can be. It can be. There's waste. to you is that there really are finessing ways, but my fuck have you

Starting point is 01:20:58 this one? Is this paid off? No, this one's got, no, listen to me. Listen. What do you owe? I think it was like 86, but I, no, this one is because they literally, no, they literally f*** me over on this one. Shut the fuck up. You know, you were not

Starting point is 01:21:15 you fuck everyone else over, you deserve it. They f***ed me over on this one because I, my credit card or my debit card information got taken, it got stolen. And so, The old debit card was on the Dave account whenever I went to pay it off. Like I legit was like, okay, here's your money, Dave. Trying to pay it off with my new debit card. It locked me.

Starting point is 01:21:34 Like it was legit like, no, you can't, you can't change your debit card information. Like that's- It made a fraud thing. Did you call? Did you call David? Yes, I called. I called Dave. They said, oh, the only one you can do it is if you go to Walgreens to an actual ATM.

Starting point is 01:21:48 Like that. Try to make a stupid voice about someone else. Well, you're sitting at this table. Good. Good. Taste of your own medicine. So we're just not paying. Dave? No. Them. And we're barring from Dave so we can buy makeup so that we can do that.

Starting point is 01:22:25 You look like you have Mushu hanging around with you on your back or something. Waiting to pop out. I do have a dragon or kind of a dragon tattoo on my thigh, so I guess that works. How much does that cost? was 500? Reminders, she took out a $500, basically $900% interest payday loan. Oh, the best part is, is I put it on my credit card too.

Starting point is 01:23:04 Discover Bank. What the fuck is this? This is closed. Another Discover? No, that's the one that I thought was like the $20,000. Then what was the other one? The other one was its transaction history. On what?

Starting point is 01:23:17 The Discover card. No, this is closed. You have no idea what you're talking about. You don't know. anything. You literally have no idea what the fuck you're talking about. You don't know a single thing. Oh, what about Upstart?

Starting point is 01:23:29 Upstart was he took that out for debt consolidation. Well, it's closed. Yes. He ended up going with a debt relief. But he's closed a thousand $103. Oh, could he. Oh, good.

Starting point is 01:23:58 We have student loans. Oh, campus. FCU, 17,491. What's that? That's his car. The truck. That's his car? A truck. Yeah, it's truck. A truck for his, what's his job? He's a fire alarm technician. Does he need a truck for that?

Starting point is 01:24:17 He has a truck to get to and from work. I mean, we need a view to, like, get to and from places. So don't get a fucking expensive truck. He didn't, no. He got that truck on a good deal. He was working at the dealership. thousand dollars he owes 17,500 off. You don't know what you're talking about. Another continuation in the long

Starting point is 01:24:38 history of, you don't know what the you're talking about. Suitalones. Who's this? Is it the 27? Yeah, that's mine. For our dropout. I hope he drops out of this marriage. Checking account.

Starting point is 01:25:07 Going in getting some BS. Go get in some BS. Door dashing Taco Bell. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Rejected because we didn't have enough money in our checking account. Oh, would you believe this? Rejected because we didn't have enough money in our checking account.

Starting point is 01:25:25 Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Rejected for not having enough money in our checking account. Making a payment on the cash app loan and then immediately taking it back out. Door dashing Taco Bell, door dashing chick fillet. Going in and getting some BS. What are you going in and getting from the gas station, lady?

Starting point is 01:25:44 The gas station? Yes. I usually, I mean, I usually get like a Red Bull. You go and getting like a $3 thing? A Red Bull? Fucking how many Red Bulls? What are you getting? I usually, I like to do the deal where they do like the buy to get one free.

Starting point is 01:25:58 How often? I mean, anytime we have money to do it. You don't have much. That's the point. Amazon. Red Bull. PlayStation. Float me fun.

Starting point is 01:26:17 Float me. Door dash Taco Bell. Door dash. Pah! We're paying for the subscription. That's so good. Netflix, Sushi Miles, Colton Faisers, hamburger, candle smoke shop,

Starting point is 01:26:31 Alta Doornash. Um, um, um, Um, at Kedina, Taff House, ATM of Trough,

Starting point is 01:26:44 who knows what? What, did it go some more good, doubt it? Sessel, the sage karaoke bar. getting Red Bull Red Bull, Domino's

Starting point is 01:26:54 Alta McDonald's Vending machine Ghost Arcade Discord We're paying for Discord We're paying for Discord We're Discord

Starting point is 01:27:12 We're paying for Discord That's so good Oh Red Bull, Red Bull Red Bull Red Bull Red Bull Red Bull

Starting point is 01:27:24 Eddie on show Apple Bill Red Bull, Red Bull Blue Blue I'm almost through with my obligation. And then I'm fucking done. Taco Bell.

Starting point is 01:27:41 Karaoke. Beer. A vending machine, door dash, raising can't say you two, what's wrong? Denny's. Borg? Gosh. Okay, sorry. Whoa.

Starting point is 01:27:55 Vany machine, venting machine, I think. Red Bull, Red Bull. You're spending so much money. You have no money. It makes no sense. It makes no fucking sense. Oh, idiot. Red Bull coffee, Red Bull, Door Dash, Taco Bell, Red Bull, Pand Express, Mary's Lounge.

Starting point is 01:28:17 What are you doing? Amazon Prime McDonald's, Red Bull. Red Bull. Store d'ash, raising, Gaines, Apple, Bill, Jellick's Kendall Smoke Shop. What are you smoking? A vape. Yeah, just, just, I'm not going to say in Minecraft. It's just... Red Bull, Red Bull salad station.

Starting point is 01:28:50 It's not making up for all the Taco Bells. Taco Bell, Raisin Cains, then mooned out money, Frozen Sun, McDonald's, DoorDash McDonald's. Oh, fuck, man. Oh, how have we made it? Cleo AI. It's fun.

Starting point is 01:29:05 Why do you need it? No, Cleo's another cash advance. That's not what I thought it was at all. No, it's not AI. Cleo's another cash advance. Texaco. Kenny Land, Van Mill, Funmel, Apple, Apple, PlayStation Network, Hulu, Sonic, Apple, Walmart, Apple. I don't know what to do here.

Starting point is 01:29:52 Why? Why do you exist? Are you here to harm me? I'm not trying to. I didn't realize, like... You use, abuse, and then... Take out every loan possible because you don't give a... Because husband will bail us out.

Starting point is 01:30:19 and support us, because his parents will bail us out and support us, because your parents will bail you out and support you, because your friends will bail you out and support you. You get bailed out and enabled supportive. So why would you give a fuck? Destroy our finances. It doesn't matter. They're always here to save us. Why would you ever do anything?

Starting point is 01:30:39 It's disgusting. It's selfish. It's nasty. How the fuck they continue to support you? I have no idea. You go into MLMs and sell to your friends. even buy it because they don't even trust you anymore. They don't even respect you anymore. Good luck. I'm not continuing this conversation longer than I have to. And I've met my obligation.

Starting point is 01:31:08 I'm going to call the husband in the post show. Join us there. Hammer financial score. Off. If you don't want to end up like that, let me tell you, download the dollar-wise budgeting app, start your free trial, take the annual version. I'll send you our cookbook signed by me. I'll see you in the post show if I even fucking make it there Tell him how much you're paying On those loans He's at work

Starting point is 01:31:35 Your call has been Yeah Wow He did not want to be in this hot seat I don't care what Lexi says He said now's not a great time talking to his boss He's texting me said I'll send it if you want

Starting point is 01:31:45 There's content Click the link in the description Or pin comment below And watch thousands of hours of extra And uncensored content Not loving your AT&T or T-Mobile bill Yeah we've been hearing that a lot Good news. Bring your AT&T or T mobile bill to Verizon and we'll give you a better deal.

Starting point is 01:32:03 So get away from that unfortunate phone bill and get to Verizon. Run, ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T mobile bill to a Verizon store today and we'll give you a better deal on the best network. A better deal. No surprises. That's Verizon. Best Network based on root metrics, best overall mobile network performance U.S. second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions, and restrictions apply.

Financial Audit - Spoiled. Toxic. B*tch. | Financial Audit

There aren't comments yet for this episode. Click on any sentence in the transcript to leave a comment.