Ryth - Gen Z Is In Financial Ruin.

Episode Date: December 3, 2025

Gen Z Is In Financial Ruin.

Why'd you go to Puerto Rico? Why not? You don't have money. You are negative $45,000 now worth. I had money in Puerto Rico. Listen, every time I ever feel like I make a poor financial decision, I just have to look at these videos here. $5,000 trip to Puerto Rico when you're in crippling financial debt.

What the fuck is wrong with you? All right, people, what's up? The generations of this world is actually going poor. Now, audience, the subject of today's video is financial audit. I have made quite a thing. few videos about financial audit in the past, and you guys seem to love it. So here we are back with a part three, four, who fucking knows? Let's begin. The highest credit card balance I've ever seen in the history of the show. It makes sense. I bought a house and they, movers lost my stuff.

Oh no, I feel like I already know what happened. So you bought yourself a house. Okay, understandable, everybody's got a mortgage. And at the end of the day, you bought a house that's going to appreciate and value over time. So you are probably going to profit. by the time you pay off your house. But because the movers lost your stuff as they were transferring it to your new home, you thought it was a great idea to max out your credit card on buying bougie-ass furniture. Why the fuck would you do that? Okay, so you needed a bed, pots, pans, plates, forks, and a few light bulbs.

That's what we need to survive. Honestly, I would go a step further and say that you don't even need a bed. Usually whenever people think they need a bed, that they need a bed frame and all this other bullshit. Bro, put a mattress in the corner of a bedroom, and that's a bed. You don't need a bed frame and all this other stupid shit. If you have a mattress and you can sleep on it, then that's all that matters. Now, if you want to be real fucking caveman about it, you don't even need a mattress. Talk to me, boys.

I'm sure the most of y'all can sleep anywhere. Actually, how about this? Everybody comments saying the most obscure place that you fell asleep at. Sure. And some clothes. Well, don't want you going out with outsawks. I need a couch. How much is your couch?

It was $2,000. Woo, Sam, motherfucker! $2,000 for a couch, ladies and gentlemen. You want to know how much my couch is literally in my studio right now? You see this couch, ladies and gentlemen, that shit was like $400,500. And I bought that shit new off of Amazon. And even then, I should have gone onto Facebook Marketplace, boy? Why the fuck are you spending two grand on a couch after you just bought a house?

What a terrible financial decision! decision. Did you lose everything? The couch. I lost the couch. The table was broken. Oh, God. The table was broken. What are we going to do? Lady, have you ever heard of one of these at fucking Walmart? I suggest you buy one. You can have a family of fucking six eat on this shit. You don't need a table that was made from the fucking logs of Abraham Lincoln's house. This doesn't equal $26,000 on a credit card. A $2,000 couch, a couple dressers, and a table equals $20,000. $26,000? Maybe if you're going boosy. Dude, that's exactly what I'm saying.

How the fuck is a couple dressers, a table, and a couch going to equal 26 bands? Not even my entire studio amounts to $26,000. That's including my PC I just bought. Where the fuck are you buying this furniture from? Fucking Chrome hearts. But you are not, as we've just learned for the price of the couch. Yeah. Did you pay for the movers?

Mine are credit card? I don't pay for the movers. The military pays for the movers. Yeah. Okay. So I try to make the claim. through the moving company. They offered me like $600.

I was like, this is silly. Absolutely not. And so I had to go through a different military claims office. And I got $900. Well, at least you got $900 back. But, uh, lady, you are still 26 bands in debt. All I got to say, ladies and gentlemen, is that this lady is lying and she is lying about something.

Do not ever have this lady possess a credit card ever again. So concerts are more important than you living on your own. Well, right now I kind of live with my parents. Oh, wow. So you're in crippling financial debt and you're living with your parents and you have absolutely no plan on actually getting out of debt to move out of your parents house. You are Exhibit A of a fucking mooch. By the way, audience, I'm not shitting on anybody if you live with your parents and you're above the age of 18. I'm going to be 22 years old in a couple months and I still live with my parents. And that's coming for me.

My fucking net worth is seven figures. But if you are going to be living with your parents, make sure that you are paying for certain things. actually taking care of your parents at least a little bit. If you have no money and you have no plans on moving out and have absolutely no plans on helping your parents in the slightest, then yeah, you're a piece of shit. You're a fucking moot. Okay, but we have the debt anyway. I went into a black hole of spending. I went into retail therapy. Excuse me, lady. What the fuck did you just say?

Audience, I have actually never heard of this term in my life, but what the fuck? What the fuck? is retail therapy. Is this seriously the new copium term that people are coming up with to do really reckless financial spending? Because I know exactly what retail therapy is a variation of, and it's called crippling debts. But because the wording, crippling debt sounds really bad, obviously people don't want to call it that. So let's go ahead and call it retail therapy, bitch.

Ladies, shut the fuck up. You're in crippling debt. That's what it is. Call it for what it is, not this copium bullshit. What does that look like? That looks like me spending $2,500 on a trip. Oh, good f-to-where? Wales.

Wales, why the fuck are you going to Wales? Audience, I forgot that Wales fucking existed on the planet. What could you have possibly spent $2,600 in Wales for? Where the fuck is whales? More like, where the fuck did your money go? What's in Wales? Food, concert tickets, hotels. Oh, blah, blah, oh, girl, isn't literally.

Literally hotels food and concerts in the United States. Who the fuck was performing in Wales? That's my first question. Secondly, was the food in fucking Wales so interesting that you had to leave the United States of America to spend $2,600 on it? Surely there's a local restaurant where you can eat similar food. But now, let's just go into crippling financial debt and let's pay for a trip that I very obviously can't afford. You're a fucking moron.

Okay. So you're just living in the island. A lot of subscriptions. Just lock your credit, by the way. Yeah, I don't know how to do that. Well, isn't that just fucking literature? You definitely know how to spend a credit card, but you don't know how to stop your credit card. Bro, I feel like this shit is written straight from William Shakespeare.

It's that bad. Stop spending my credit card. How do I do that? Exactly, girl. That's how you know you have a fucking problem. Why'd you go to Puerto Rico? Why not? You don't have money.

You are negative 45,000 hours now worth. I had money in Puerto Rico. Sorry, audience. I hate to pause the video so early, but did you hear what the fuck that lady just said? After Mr. Financial Audit hosts, Caleb Hammer said your negative $45,000 net worth. This fucking idiot replies saying, well, I had money in Puerto Rico. That's because you borrowed money that you don't fucking have, you idiot. How was it so fucking hard for these people to understand such a simple concept? Audience, if I give you guys $5 and I expect you to pay me back that $5 tomorrow,

is that $5 really yours to begin with? Exactly. These are the types of concepts. These grown-ass people do not understand. I went to the ATM for my card in, money came out. Oh, you're insufferable. I spent maybe $5,000. Let me see the paper.

Off. How much did I spend? Off. Dude, you are so annoying. And I never want to see you again after this conversation's done. In what world do you think you should go to Puerto Rico on $5,000.15. I had fun. Great.

It was affordable. My credit card. I had points. I paid $11 for the flight. Wow. So this lady is not only a fucking idiot, but she's also an insufferable piece of shit. I think it's time to conclude. Audience, subscribe to the channel if you would like to see another episode of Financial Audit.

With that being said, I'll catch you guys. Later.