She Manipulates Me For 1 Hour And 36 Minutes | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. I told you it was spring break. That doesn't mean that you have to spend like bulls**t. It doesn't mean you have to go f**king. What are you talking about? I'm also only 21. Are you f**king like actually stupid? Next you're going to pull out the, oh but my frontal lobe's not fully developed until 25. That's how I work. The sympathy bulls**t when it is found out to be bulls**t. It ruins my trust in you for the rest of this conversation.

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. Hi, my name is Sabrina. I'm 21 years old. I'm from Melbourne, Florida, and you're watching Financial Audit.

Thanks for coming over from Florida. So many Florida people. Okay. What do you do for a living there? I am a meat clerk, so I work in the meat department at a grocery store. Cool. We've had a few people like that on the show. What do you make? It's never been a lot. No, I just got promoted to full-time, so I was making $15.25 and then $16.50, and then I just got $17.25 an hour. Metro's Melbourne, then.

Sorry? What metro is Melbourne in? Because I don't know the cost of living. Like what area of Florida? Oh, like how much is it? It's a lot. It's expensive. Yeah, what metro is it in? Like Tampa. Oh, sorry. It's near Orlando. So it's like an hour south of Orlando. Yeah. So it's kind of an expensive area and your hourly is at 16 what? Now it's $17.25. Oh, $17.25. Okay, how many hours a week do you work? 40. It's full time. Good. How much hits your account then? What are we expecting to hit your account? So about $500 a paycheck and I get paid weekly. Okay.

So it's around there. A little bit goes into a different account to pay my mom for my car payment. So $2,000 hits your account on a monthly basis. Yeah, that's hard to survive. Yeah.

Is that all that's going on? 21. I haven't had someone 21 in a while, so that's actually kind of young. You could be in school. You could be just working. You could be career. We could be just starting out post-college. What's going on? It's such an interesting age. I am still going to school, so I moved to Melbourne to go to school. Really? But you're doing 40 hours a week? Mm-hmm. Oh, part-time school? No, it's full-time school. I'm doing both. Okay. That's a lot. It is a lot. Yeah.

I work Monday, Wednesday, Friday, Saturday, Sunday, and then school Tuesday, Thursday. There's too many pieces of paper in here for a college student at 21 years old. It's not that bad. I mean, it definitely could be worse. I'm curious. Okay, so I go in blind to these conversations because I want to go through with the audience. And I don't know if we're just trying to film a different kind of audit because this is our last time filming in this studio before we move to our new studio. And that's really exciting, but...

I mean, people with like positive finances, I've heard that in comments before. Is this the positive finances episode? This is best buy card. You had a slight bounce and then it's completely paid off to zero. Yeah. Okay. I mean, that's worth celebrating, right? Yeah. I worked really hard for that one. So this is good. Okay. It's a month I celebrate.

I don't see. Oh, wow. Champagne. Okay. Why? What's happening here? I'm going to let you do the champagne. Okay. Well, I don't know what I'm doing with champagne. Well, we were going to pop a bottle. No, I don't know how to. Oh, okay. I don't drink. Okay, here. I'll give you this one. Oh, God. Oh, God. I think you push forward. Oh, we push up. Oh, God. It's everywhere. Oh, I'm so sorry. Oh, my God.

- Okay. - Here, you can just like pick some up and just throw it. - Oh, iPad is gonna be... - It's only a multi-thousand dollar machine, isn't it? - Yeah, I'm so sorry. I did not think it was gonna be that much. - Okay, well this is good. So I guess we're celebrating with a positive financial audit. Is that what's happening? - Yes, we are. - Okay, cool.

Wow. Well, the audience has asked for it. So here we are. Woo! Oh, look at that. Oh, bubbly. It's everywhere. Get the floor nice and nasty before we leave. Hey, it's not ours anymore. Dang. Well, we got to sublease it. Okay. Hold on. One second. Okay. One second. I don't know what the fuck. This is so weird. I have no idea. What is happening? Okay, well, on this piece of paper, I see something with a balance.

Okay, what is this? I don't know what they're showing me. It's not labeled. It's not the document. That's the Best Buy card. The $0 Best Buy card. That is the Best Buy card. Which one's the document now? That is it. That's the current balance. Okay. As of like a week, like two weeks ago. Great. Awesome. That's...

Well done, guys. There's a really good reason. All right. I thought. All right. So I guess we're not ending with a positive financial. All right. There's a really good reason. Where's a good reason to bring the mood down? Yeah, it's really good. So you can made a popper for that. Yeah. Does it coordinate that with you? No, not the popper thing.

Oh, but you knew a balance was coming out. Yeah. You f***ed. Okay. Sorry. Great. Go ahead. What? So when I moved, I could not take my iPad that was my dad's with me. So for school, I basically just had to get another one. College? Yes. For college? Yes. You didn't have a computer? I do have a computer. What the f***? Because I... You had a $0 iPad?

I did. You had a $0 card, which, well, I guess that makes sense if I have a little more critical thinking skills. The stack is thick. What were they all going to be? Different Roth IRAs or something? So I guess it makes sense. Okay. Great. So I had to get that card for school. So obviously we probably don't have the best finances, I'm starting to assume. They're not bad. But you take a card that was a zero. What do you mean they're not bad? You took a card that's zero and you brought it all the way back up. Well, yeah, because.

iPad when you had a computer already. Because they told me that if I didn't use the card, they were going to close it. And I remember you saying that if you close the account, then it's worse for your credit. So I used the card for swimming for school. That way I could get it paid back. Get a $5 sandwich. I can only use that card at Best Buy. You can't use it anywhere but Best Buy. iCord. But I don't need an HDMI cord. If I was going to buy something. Yeah, but if I was going to buy something. What the fuck?

What the f*** are you talking about? An iPad. You already have a f***ing computer. Listen, the only reason I use this is because of the show. No one that buys an iPad actually f***ing uses it. I use it every day. And I'm sure you have for your little month because I have your most recent statement. No, I used it before I moved. And then a screenshot of the balance now apparently. So f***ing great. Listen, this is stupid. You could have gotten there, got a f***ing little box of candy. You could have gotten anything that was so much cheaper. Yeah, but if I was f***ing sick.

I do use it. For now, everyone uses an iPad for a few... No, I was using it before I moved and then I couldn't take it with me. What, for watching YouTube videos? No, for school. Then why do you have a computer? I use it also for school. I take notes with the iPad. So you need it. Yes. You can't take notes on a computer. No, not... Because if I... I can't, like, type fast enough to keep up with anything, so I write it down. What?

Oh, for f***'s sake. A great new invention. I do have pencils and paper. I do both of them. How many f***ing places to write down do you need? I have one. Okay, so I'd use the iPad when I'm in school. Buddy, you did not need a $900 f***ing stupid f***. You did not need that. When you're already drowning in debt, I am assuming. Yes.

What a stupid f***ing thing. I think it's, I thought it was good because I used it for school. So I had used the card. I give them too much freedom to f*** with me. Well, I had used the card at first to get a pair of headphones that I also use every single day because I didn't have any and I needed headphones. And then I paid those off. You did not need probably the price of the headphones that you got.

They were on sale. You make $2,000 a month and you wasted half of a month's income on an iPad. Shut the f*** up. When you have pen and paper, shut the f*** up. When you have a laptop, shut the f*** up. This is so stupid. This is the dumbest thing. This is such a stupid way to close my final conversation in this building. I think it gets worse. Great.

Oh, fantastic. Okay, so what are we talking about here then? Because obviously, okay, you're in school. Sounds like you moved to this area for school. What is going on? What the f*** are we talking about today, dude? Like, why am I there? What are you even studying? Forensic psychology. Okay. With a minor in child advocacy studies. Okay, do you even need a minor? I wouldn't even, like, waste time on that these days. No, the minor, it's only an extra, like...

three or four classes, but it gives me a certification. That's expensive for you. Okay. Yeah. But I get a certification. Well, at least you get a certification. So that's okay. I can work directly in the field with that. Where are you in your schooling journey? I already have my AA or my AS technically. I don't know what that is. So it's the degree below my bachelor's. Your associates? Yeah. So I only need my bachelor's and then I can get the certification. And then if I wait another semester and get one more certification, I'll be dual certified so I can work right away. I certainly hope so. Yeah.

You started at 18. Yeah, I mean, the years line up. So you're in year three? Technically, yes. So what are we talking about today? Why are we in so much debt? Why is everything...

I'm, again, assuming I haven't seen it, but there's no way that you're not with this much paperwork. So when I moved, I wasn't planning on not having a job right away because I worked at the place that I work now. I worked there before I moved, but my transfer took way longer than I expected. So I essentially was living without an income for the first two months of living there. This can't be just two months of shit. No.

No, it's definitely not. Then what are you talking about? A good amount of it is. Well, I also live with my boyfriend. And when he moved in with me. Oh, no. That means I get that. No. No. When he moved in with me, his grandparents are paying for his college. And their one rule was that he needed to focus on school for the first semester. And they didn't want him to get a job. So I'm paying for both of our expenses. No. I kind of had to. No. No.

what do you mean no he can still borrow for living expenses for schooling what do you mean like like borrow like a loan or something he doesn't have any credit he has student loan though can cover well he's no but it is his his grandparents are paying for that but they're not paying for like our cats or anything that we had to do to set up the apartment like they're only paying for you didn't have to what set up the apartment what i had nothing i literally had nothing congratulations

I mean, that's why. I had an air mattress for six months when I first moved down here. Yeah. So I was sacrificing. Well, I mean, I had, I brought it back with me. Well,

Oh, there you go. So that was nice. So you're just using this as an excuse. You did not need to go crazy. Dude, my first apartment when I was in college was just used furniture off of Facebook Marketplace that I spent like $100 on for everything. I did get a bunch of used furniture. Yeah, but if you were scrapping, if you were being scrappy, you would not be in these kind of finances. Yeah. I mean, I'm also only 21 and I've never lived alone. So it's kind of hard to just like boop.

Now you're on your own. I am going to commit against this generation. I am so sorry. Are you actually stupid? No. Can I ask you that? I've actually been in...

care of everything since I was 12. Okay, yeah. What was then? Great. I would actually like to hear that. Then what is the, I'm just a 21 year old. What is the infant? Everyone does. You're going to make mistakes until you die. It's not the, I'm 21. Don't infantilize yourself and give yourself a preemptive excuse to fuck up. You will fuck up because you are a human in a very temporary life on earth. But stop this infantilize. Next you're going to pull out the, oh but my

but my frontal lobe's not fully developed until 25. I'm a psych major. I would not do that. Dude, after like 14, you have the cognitive skills to make the vast majority of rational decisions in this world. And then it slightly develops more until 25. It's not like a switch is flipped. So what the f*** is I'm just 21? Well, you asked. It's so stupid. I didn't ask that. Well, I mean, you asked why.

Yeah, and that's your answer? Part of it. Is I get to excuse everything because I'm too young to be able to advocate for myself and make mature choices? Well, a bunch of the cards had like 0% APRs, so I was using those because I didn't have anything in the bank. And then I just like... Did you know what that would end up meaning? Yeah, that it like accrues. Eventually. Yeah.

Well, I mean, I didn't like... Then what was the intention behind it? Well, I was using them at first because I didn't have an income. So I was basically paying for everything with that. You said for like three months. Yeah, but I had no money to... What was your living expenses for three months that you went into more debt than like humans go into?

It's not that bad. It's bad. I don't know, but all I know is I have a thick stack. Yeah, no, it's not. It's a reasonable amount of debt, I would say, for a living. Hold on. I can actually look in here and see what it was added up to.

$33,000, that's hardly a reasonable amount of debt at 21. Part of it is my car. That's a debt. That's a depreciating asset. I don't give a fuck that it's still something you have. Yeah, but that's not like all of it is... It's not like I owe $31,000 or $33,000, but for being stupid. Maybe. That car may have been a stupid purchase. I lived on a dirt road. I needed a car that was reliable, so that was the car.

It was either that or a car that would have broke down in a matter of months. I saw some dirt outside, too. It's very scary. Okay, that's not fair. The road is purely potholes. I mean, like, it's literally one of the most dangerous roads in Alachua County. There's, like, been news articles about it being such a bad road. Move. I can't. I was living with my parents. What did you want me to do? Drop out with no money? When? When did you move? I moved in this past December. From the fam? Mm-hmm. Okay. Okay.

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Listen, I haven't been on that road. I don't drive on every road. Cool. Listen, but it sounds like based on every conversation I've ever had, a really good reason to justify a purchase that was potentially stupid. I haven't looked at your car. I don't know. It might not be a stupid purchase. It's a nice – But if you're – well, then it's probably a stupid purchase. It was used. I will say it was used. It was not a new car. I did not go out and buy a brand new car.

So, I mean, I think that's kind of important because I could have. I mean, I could have just got like a brand new car and not. Yeah, you can. You can f*** up your life in a lot of ways. Doesn't mean you've done okay just because you f***ed up your life in a little way. But you f***ed up your life in more than a little way. Yeah. Because $33,000 halfway into college? Yeah. Yeah, that's not good. Yeah. A good amount of that is school too. I'm sure. Yeah.

So what are you trying to do? What are we talking about then? Like in general or like with my career? Your money, your finances. I'm trying to not be in debt and I would really like to get to a position where I have the ability to go to the parks that are near me. I live like an hour from Disney and my sister has annual pass and I'd really like to get one to go with her. How old is your sister? 25. Does she have a career? Almost 25. Yes.

That's why she can't. That's why you can't. You're in college. Shut the fuck up. I mean, I could eventually. Do it when you're 25. Yeah, eventually. Oh, you're not talking about now. No, yeah. I just want to be a Disney adult at some point. At some point, sure. You can be a fucking weirdo. That's okay. It's fun. No, it's okay. Disney's fine. Thank you. And it's the good Disney. Thank you. I don't know, but I've also had a lot of weird Disney people on the show. Oh, God. No, they can be a lot.

Hold on. You've been accepted on this show. Trust me. I highly doubt that means you're not. Okay, so we know 2,000 hours came in, right? Yes. Good. How much went out? Probably around three. Okay. Yeah, 9,258. Light work. No reaction. Awesome. No reaction. I would not doubt that at all. This month was spring break. You're okay with that? No, but this month was spring break. Oh, spring break. That's worth ruining our literal next 50 spring breaks. It was also my boyfriend's birthday. F*** your boyfriend. I don't give a f***.

he's nice cool come i don't give a that's his birthday well i mean i didn't want to not get him something i just told you what to do i don't think that's a birthday present i'm joking but i'm joking all i'm saying is that is not an excuse to ruin his next five birthdays because you don't have money or your next five birthdays because you spent it all on him yeah are you crying yeah i'm sorry well what's happening um

He just does a lot for me. What does he do? I mean, we've been dating for like almost three years and he's been like really important to me and I just wanted to do something nice for him for his birthday. What did you do?

We went to Disney Springs for the day. Okay, everything's going to revolve around Disney, I see. Yeah, it is. Well, he loves Legos, so I bought him two really nice Lego sets. How much does that cost? A lot. You spent $9,500 when you brought in two. Yeah. I doubt that was all Legos. Was that all Legos? No, it was not, but a good amount of it was. Of $9,000? How much was this? Well, like that single day, I spent about $1,000 probably. Yeah.

Or just like that one day at Disney Springs. And a lot of that was on him.

How can you even come close to finding that acceptable? You said you're on your own since 13. Then you would have any kind of reasonable... Well, not on my own. I've just had to grow up fast. Okay, then you should know that spending a month's income on a birthday, half a month's income on one day, the heart's fine, but you're destroying yourself. You're destroying potentially your relationship because financial reasons are one of the leading causes for separation in this country. So it's like...

You're putting your relationship at risk too. And he would have been totally okay. You wanted to spoil. Great. Love it. But that's also a slightly selfish desire of wanting to spoil because you wanted to. He didn't need to be spoiled. Yeah. Okay. Well, a lot of that went on a new card. Okay. Okay. But you have to listen. The card itself, they were doing a promotion where if you spent $1,000, they gave you $400 back immediately, which did happen.

So that's why that happened that day. Great. And now we have almost as much debt as your death situation for your age is insane. Yeah. Where do you think you are in the world of finances? Zero to 10, zero being the worst, 10 being the best. Warning.

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Quest Nutrition. Big on protein, low on sugar, huge on flavor. It's basically cheating. Probably like a two. Okay, if you want your Hammer financial score, link is in the description below or you can go to calebhammer.com. You can also go to calebhammer.com slash apply if you want to come be on this show. We'd be happy to have you down here in Austin, Texas. Even have tissues for you if you cry. Okay. Oh, that's right. $0 Best Buy card. Right. Great. At least I paid it off once.

Like some people don't. You're going to fucking die. No, I'm just saying like some people don't pay off their cards at all. Like at least I paid it off once. Oh my gosh. Okay. Okay. Oh, oh, humans. Humans. What flawed individuals we are. Yeah. The fact that other fucking people do something does not mean it is okay for you to do it. I will never understand this concept. I swear it is one third of the conversations I have on here. It's like who gives a fuck if people are doing bad shit? Who cares if people are fucking fucking?

Does that mean that just because you do a bad drug that's not as bad as that, that you're doing okay? How? What's worse about these others? That does not justify a single thing about your life. And it never will. You not being able to get ahead ever just because other people are worse doesn't mean you not being able to get ahead is good. You'll never understand it. Stop with this bullshit.

the minimum of payment on this fucking Best Buy card now. $41. Okay. You owe $902.77. $41 a month. For fuck's sakes, dude. You were making progress. You paid off this card and then you immediately fucked it. You asked why. I'm going to

Yeah, it's your acceptance of it. It's your acceptance of it or justifying it. This is stupid as f***. Okay, well, I told you about that. A Disney f*** card? I told you about that. Oh, for f*** sake. What did you expect? I think my brain wanted to forget it already because it was so f***ing dumb. Okay, the Disney premiere card. So what is going on? That's the one that if you spent $1,000, they gave you $400 back. Yeah, but now you have...

A card that you're not fully paying off that is eventually going to accrue interest. Does it accrue interest now? Yes. Why are you sending screenshots instead of statements like we request? Because I got that card after I had already sent the original statements, and that's what they told me to do because it doesn't have a full statement yet. Oh, my gosh. You're getting new cards after applying to be on the financial where it's about cleaning up your finances? I'm going to burn this place to the ground. Well, it's the last day here, so you check in again. It really is, and I should claim the insurance money. This is so frustrating.

stupid this is so stupid you open a new debt and round that debt up on the best buy card there's two after you to be on the fuck show I don't even want to hear it yet okay oh I'm just trying to process the fucking choices in your life don't like yeah it's everywhere what is the minimum payment on this because I don't know it doesn't tell me what do you mean it's because it says it right there there is no minimum payment yet because it hasn't had a full cycle

Pull it up now. Okay. And what is the interest accruing on it? I believe it's around $25,000. And if you spend $1,000, you got $100,000. Yeah, $400,000. $400,000. That was your little intro thing. They get you in with nice little pennies. Nice little pennies. Knowing you so far and that you like to build cards back up and not pay them off, let interest accrue. I'm going to bet you're probably going to eventually pay more than $400,000 in interest and they're going to well make their money back. Mickey's going to

See, it still says no minimum monthly payment due. Give me this. Yeah, you're right. It doesn't. But what it does say is that it went up by... Okay, that was to get me here. Okay, well, that'll be reimbursed. Why the f*** did you put that on a card? Because I didn't have it in my checking account. Okay, now, if you're living your life without having money in your checking account, why? Because it was spring break.

That's why. It's not because you came here. It's because you went like you're a moron during spring break. You're already in Florida. You don't even need to go anywhere. That's where everyone goes. Yeah. Shut the fuck up spring break. It's at 30% interest. It's so stupid. Great. So now we're talking $1,040.43. Oh, so close to being maxed out.

I bet it will be by the time you go back home. No, I have never maxed out a card. You're about to. Okay, well, I've never gone over. You're about to. Oh, good. Oh, good. It's to get here. That's why we're getting Starbucks. Dining. Well, yeah, I had to leave like super early this morning. I flew in today. Disney Store, Sephora, Sephora. That's awesome. Bakehouse, SeaWorld, SeaWorld, SeaWorld, SeaWorld. A restaurant, Pura Vida.

going and getting some bull yeah big house disney store spice and tea i'm glad we are accruing 30 interest for lego disney springs and by basin this is so f***ing moronic what are you spending at auto zone oh that was a windshield wiper but they gave part of it back to me because it was the wrong one dude you're spending like a f***ing f***ing okay well my windshield wiper broke

Not that. Everything else I mentioned. Well, I already told you about everything else. So that's what you're talking about. You think that justifies it? What? That I told you about it? Yes. No. Then I don't give a f***. I mean, you asked. I did not ask if you've told me about it. Oh. Shut the f*** up. I know, kind of, sometimes, what I've said. You spend like a fiend. And no, what you told me about was your past spending to get you to that $1,000 spend. Yeah.

You didn't tell me about the f***ing Darby's and the dining. It's this morning. And the dining. That's school. And stopping and getting bulls***. So you went to spring break. Where the f*** did you go? Disney Springs. Right, that's right. I don't even know what that is. Where is that? It's like, have you heard of downtown Disney? So you went an hour away and we blew our f***ing life. Okay. Go to a pool next time. Listen, you can do that as a college student. Yeah. If you have the money.

You're making it so much harder for you later, and you just don't understand that now. I mean, there's no – I'm going to assume the minimum payment is going to be something like $50. Probably, yeah, $50. Okay. So literally, in order to get that bonus, you didn't spend it on anything that provides you value. It was literally just going out to eat, out to eat, out to eat. And then, yes, $400 of Legos. But out to eat, out to eat, out to eat, out to eat, out to eat, out to eat, out to eat, out to eat, out to eat.

That's all it was. Well, I mean, it was also Sephora and the Spice and Tea Exchange, which isn't eating. So bullshit, bullshit, bullshit. Yeah, I mean, I told you it was spring break. That doesn't mean you have to spend like bullshit. You went to a destination. Doesn't mean you have to go fucking insane. What are you talking about? I mean, that's not how we all activate. That's not how we all work. That's how I work. Then go to therapy.

Like what? I can't fix that. I can get you on a budget, but I can't fix you not being able to like, look at that over there. It's not that bad. Well, then you can control it. Yeah. I don't even know what you spent last month. You probably didn't even know what you spent on this fucking card. I know it was on that one. Okay. I'll get you with a sound of mine, therapist. Three free sessions for our guests and people in our audience. Okay.

So great. We have like $2,000 in credit cards already. 24. That's our entire month of income. Yay. Okay. What's your rent? Is he working now? No, he's going to start working in May. He had to wait the whole first semester. That was their rule. I hated it too, just to be clear. And they can pay for his life outside of that, right?

What do you mean? Like, they can only, it's only covering, it's a 529 plan. I don't know if you know what that is, but it's only, it can only be used for rent, school, like tuition, books. So what are you, you're just covering f***ing Lego sets and driving to restaurants and then paying for the restaurants. That's not stuff that is required to live. No, I pay for our cats. I pay for f***ing. Don't get cats if you can't afford them. I had them already. They were my cats. Well,

I wasn't doing anything to throw them outside. They're from their childhood? No, well, I mean, kind of. What? I got them last year when I lived at home. No, then you shouldn't have. If you couldn't afford them, if you knew what you were going to do in life, you cannot get pets. That's selfish of you. Yeah. It's brutal to say, but it is. It's selfish to get pets you cannot take care of. And it's not his responsibility to take care of your cats. So what else? Because really, I'm just hearing your choices.

I mean, I love my cats. I'm not going to just get rid of them. That's not what I'm saying. What else is he not covering? Anything that isn't food or rent. So like any of the cleaning stuff, like the taking care of the apartment, like anything like that. Listen, that's like, that's not even that crazy though. Cleaning supplies is not that crazy. Yeah, but it adds up. It could be like 50 bucks a month. Cleaning supplies is not crazy.

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finally take control of your financial future or don't and you can end up right here a lot of the food is also on me not groceries

A good amount of the groceries are on me. Why? Then you guys are over shopping. No, because he has a payment. The payment plan can only cover a school amount of money. Yeah, how much? I don't know exactly. It's not my money. I don't look at it. But you guys are communicating and you're covering things. You should have some kind of insight. He pays for like a quarter, almost half of the food. If he does half, then you're not cutting into your money.

Because you're just covering half, which is two people, you. Yeah, but everything that adds up, like all of my monthly expenses are a lot. Yeah, by your choice, not from him not being able to cover. I mean, it's not my fault that my car is almost $600 a month. Yes, it is. I didn't really choose that car myself. Your parents did? My grandma did. They forced you to? Pretty much. What is pretty much? It was between that and a more expensive truck.

Why do they get to choose what car? Because my grandma took me car shopping when my first car, well, my first car broke down. Then you say, no, grandma, take me home and then go car shopping by yourself. I couldn't. I was 17. Yes, you could. How was I supposed to go car shopping without a car? Uber. With no money?

Buddy, literally nothing? You didn't have a part-time job? I did, but I got fired from that job. Why? Because the company went away, basically. The company stopped being a thing. So you got let go. Okay, well that's different. Okay, so you get another part-time job. I guarantee you get to drop some fries.

A lot of these things is ending up to be, every time we go down there, I can go further down the rabbit hole and it turns out it's just something that you chose, kind of, to a certain extent. It's like you chose to not do the harder version, but that could have saved you longer. Like, she took you car shopping. She did not force you to. She took you to like two places, right? Yeah. She just didn't want to go further? She's disabled. Oh, okay.

Okay, go home, Uber. I couldn't Uber. I didn't have any money to Uber with. Well, this is why, again, you should have had a part-time job. I know, but I couldn't get a part-time job if I couldn't drive there. I lived at least 20 minutes away from anything. Couldn't work at McDonald's. It was also 20 minutes away from me. Okay, I hear that. And there was no public transit near me. You can shop for cars online, though. There's always options. I know, but I also had no credit, so I needed my mom to go with me.

But that has nothing to do with your grandma going with you, does it? Well, no, because my grandma, they want, my parents works. My grandma went with me and then they were like, she told them like which cars be found and stuff. And then they told me what to find online. I was fine with that option. My parents were not fine with shopping for a car online. They wanted to see it before we got it. So they wanted me to get one like from a dealership, basically. It's interesting. Yeah. I mean, it was either that or get...

Because the other option was to go to Dodge, which is way more expensive, and get a very way expensive car. I mean, I don't know. I don't know what's on the used car lot. Private sale is also worth looking at, but... Yeah. There were also... It was also right after COVID. You couldn't borrow someone's car? No, I literally had no one to borrow from. My parents both work and they use their cars to work. Right, but now they weren't willing to one day, the weekend or something...

There you go. I told you the further we go down, we could find it. Come on. They're not working seven days a week. I was taking care of my grandma because she's disabled. What? That doesn't mean you can't borrow a car? I was helping her on the weekends. I wasn't really working on the weekends. You can take a couple hours. I probably could have. You can.

Yes, there you go. We can always find a solution. That's what happens. And this is like, listen, I know I'm harping on something that has already happened and you'd think maybe that's not productive. But the thing is, if we don't correct that mindset now and make it just take the easy solution because it's right there, you're going to be in this situation for the rest of your life.

You're going to be here forever. And I've seen it time and time again. I need to correct you that if we try to actually problem solve, whiteboard the dude, figure out the solutions and cross off what doesn't work. But you usually end up with a couple different options. And we just found it. Borrow a car on a weekend for a couple hours, maybe for a couple weekends in a row, a few weekends in a row to try to find the right car. So there we go. That was what I've just learned.

So your purchases we already went through. Yeah. You spent over a thousand dollars on Legos for him? No. It was all that whole like week. No, in total before? In general? Oh, probably. Yeah. But that was over three years. I mean, that's not. Yeah. But look where you've gotten in over three years. Put yourself and potentially you guys on a better footing because you guys have been together for three years. Marriage might be in the picture. Yeah, that's my goal. Then you have to sacrifice now for it.

Listen, behind every giving action, not – I mean this sounds weird to say, but there is an argument to be made by psychologists. So you'll probably know that behind – Yay me. Huh? Yay me, psychology. You can probably source what I'm saying because I forgot where I learned this from, but I think it was in psychology class. Yeah.

Behind every action of giving, there's still a bit of selfishness behind it because it makes you feel good. So you're still doing this kind of for you, even though, yes, it makes him feel good, but you wanted to give that. You love the feeling of giving, and you were putting that before actually setting you and him up for a future together. If marriage is your goal...

You have to sacrifice. Yeah, I mean, that's my love language is like giving. And it's really problematic. It 100% is. But like, that's the best way I know how to show people that I care about them. When do you want to get married? Eventually, soon, hopefully. I'm guessing. Well, I'm not guessing. But if it were me, as soon as possible. And him? He wants to wait probably another two years until he's completely done with school. Because he just wants to be done with school, which I mean, I get that. So you want to get married today and he doesn't? Yeah. It's hard. Yeah. Yeah.

How does that make you feel? It's rough because I feel like I do a lot. I mean, he says like, oh, well, I want to get married, but I just have this going on or I just don't want to rush into it or I don't want to do it right now, you know? So it's been a lot. There's a lot of things I've been like that. And that might be valid, but also at the same time. Yeah, we've been together for three years. Well, not just that. Are you sure he actually wants to? Yeah, I think so. If he's not willing to just go to the courthouse and have a ceremony in two years? I want to say I'm sure, but there's really nothing I can do to prove it. Okay.

Is it your finances? Because I've talked to a lot of couples where it's like they're not willing to get married because one is financially. Honestly, I doubt it. Just not to sound like not to make him sound horrible, but like he didn't know much about finances, honestly, to begin with, because his parents like never made him deal with it. They just kind of did it for him. So yeah, but so I don't think he really understands the extent of how bad it is right now for me. Is it OK? Can I call him in the post show and tell him how bad it is?

Yeah, if you want. I mean, I'm not going to stop you. I do want to. We'll do that in the post show. So it's important in this conversation if we're discussing marriage. Okay, another thousand dollars in debt, essentially. We got an Apple card. Yeah. What are we buying here? Another iPad? That's also just... We just ruined our life with iPads? It's just been built up.

household expenses mostly so like publics like food and stuff I go through your apple card will I see that yeah only that mostly yeah I said mostly it's mostly that I will say there's probably some stupid stuff I have a statement here I mean it's it's it's 60% stupid yeah mostly stupid wait what's stupid okay subscription subscription okay but what subscriptions because some of them are actually like important

YouTube premium. For what? Where we are. Oh, YouTube. Yeah. I mean, what do you want me to do? Not have YouTube premium? Okay. That sounded really bad. Okay. You're having it. I use it every single day and it's a student discount. Okay. So you're immediately pushing the goalpost. You do not need $144 version of Grammarly. That was for school. I think that came back to me at some point. It better, but you do not need.

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That expensive version. No, but I wasn't trying to get it. They said that I get a subscription from school. Before you get too excited, that is just one out of like a thousand here. Domino's pizza. Yeah. Yeah. That's pulled. Yeah. Not going to try to justify that. Wow. We made it. We made progress. I didn't have anything in the freezer. Our freezer is tiny. When did you get a PacSun for $65? That was me replacing, I believe some pants.

That got ripped or whatever. And you had no other pants? No, I did. Oh, there you go. Bullshit. Yeah. Some subscription or Apple Pay. Einstein Bros Bagels. Panther. Fit Panther. That's cool. Surf Style. Surf Style. Yeah. Einstein Bros. HBO Max. Bullshit. That was 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11. Bullshit. 1, 2, 3, 4, 5, 6, 7. Non-bullshit.

And honestly, if you go into the store and you get a $10 thing, I'm not confident that that is groceries and not just you going and getting. No, I mean, that's where I work. When you stop at the Square, $10.67. The Square? Melbourne Square. I genuinely have no idea what that is. Miniso? Miniso? Miniso. M-I-N-I. Oh, that was in the mall. That was in the mall. Bullshit. Yes. Great. So it's even more. Wonderful. Great.

How long have you had this card? You said you just ramped it up. No, I've had that one for a while. Over a year. Oh, a year. Oh, you f***ing lady! Lady! There's more pages in this statement. Yes. And it's all f***ing. You went in and got some bulls***. Went in and got some bulls***. Went in and got some bulls***. Japanese restaurant. Went in and got some bulls***. Went in and got some bulls***. Campus. Netflix. Went in and got some bulls***. Domino's. Bulls***. Applebill.

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already using moomoo worldwide just sign up using the link in the description and pin comment or scan the qr code on screen and claim up to 150 in cash rewards thank you again to moomoo for sponsoring this video let's get back into the program great thank you guys we have an uber subscription barnes and noble that's school that was not fair what the barnes and noble charge the school book yeah it was books okay great guys we made it we made it one out of like 30.

Everything's justified. It's all good. Let's celebrate again. Woo! There's more here. F*** off. Come on. Come on. What are we doing? Why even put it on the credit card anyway? Because you're just going to be accruing interest. I didn't have it in the checking account. Is it interest free right now? No, it is not. Oh, f***. I think that's the one of two that are not interest free right now. But the rest of them are. So stupid.

They're saying you put a lot of the move on here. Like $200 couch, $60 posters, reverse osmosis water filter, toaster oven, steam cleaner, all the cleaning supplies, which that part is fine.

Decor, $200. You do not need f***ing decor. A mini fridge? One fridge isn't good enough. F*** you. No, because the fridge is tiny and I'm trying to, you know, keep room to not buy food all the time. What? Our apartment fridge that came with the apartment is literally tiny. Yeah, great. I don't care. Well, I mean, that's the reason. Go grocery shopping once a week. I don't give a f***. Stop. Meal prep. I don't f***ing care. How tiny? Very small. Show me how high. Fine. Fine.

It's a smaller fridge. We've all had weird small fridges. It's a fridge and freezer. Yes, we've all had those before. In a chief college apartment. This is normal. Well, that was the reason. Don't you work at a grocery store? I do. Anyway, pick up the food on the way home. I do. You stupid. Okay. I do pick up. Okay. What? Okay. Great. Great. And we need all the decor and all the posters. Well, it was my first time moving out.

I mean, I just did not need that to fucking survive. Well, that's the reason. You're saying you justified at the beginning of this conversation. This is how you listed it at the beginning of the conversation. I covered all him because his mom, his grandparents can only cover school from his 529. Okay, great. Okay. Maybe there's some sympathy here. Posters had to get it, had to get the couch, had to get all this bullshit in the month that we move, all the posters, all the decor, the steam cleaners, all this stuff we had to get, had to get. We wouldn't survive. We would have gotten evicted if we didn't get this. Come on.

Don't set me up with this sympathy bullshit when it is found out to be bullshit. It ruins my trust in you for the rest of this conversation. You're no longer a reliable narrator in your own finances because you tried to mislead. I mean, that's how it feels for me. Feels? Well, I mean, that's like in that day. Yeah. You're not in that day. Yeah, I'm aware now, but...

This isn't that day either. So I mean, I'm trying to explain how it felt in that day. You didn't say that. Now you're just pushing the goalposts again. Now you're just trying to come on. Yes, you are. You're trying to tell me what actually happened. And I like, well, actually, I was just trying to tell you what I felt like in that day. Not what actually happened. Huh? I don't know how else to describe it. I mean, that's the best way. I made bad purchases. They were stupid. No, you said I had to cover his expenses. Yeah. And I've made to move in. Huh? Huh?

I said, and I've made dumb choices. I don't remember that. I definitely said I've made bad decisions. But in that context, in that statement, in that statement. Exactly. Then I don't give a because all I'm doing is talking about this part, the part of you moving in. Yeah. You didn't qualify those at the same time. They're all a bunch of dumb choices.

go say that instead of trying to lead a sympathy play to make you look good out of the gate hey I just had to cover all his expenses because he just couldn't afford it and the grandparents only covering the school thing and they said he couldn't work so he couldn't work so I had to cover this stuff it's bulls**t

You've been partially true. Partially like part of it. It's your own cats. You cover your half of the groceries. Really? It's just the cleaning supplies. And that could be like 25, 50 bucks a month. You're in a small college apartment. That's a cheap. Stop it. Yeah. Okay. Maybe you have too much of an apartment for being honest. Okay. But to be fair, I did hunt for apartments for months and there were like no good listings. That was like the best one I could find.

Unfortunately, you've lost your reliability. Yeah. I wish I could believe that. And a part of me does, but unfortunately a part of me doesn't now. With the car thing, couldn't literally borrow your parents' cars on the weekend. Trying to make the whole financial situation a sympathy play because I had to cover the boyfriend because he couldn't work. No.

I didn't say it was all that. Come on. You know how it looked. You know how you were framing it. Don't try to rewrite the conversation. I mean... Don't try that. Don't. We're not going to get anywhere if you do that. Is this how you've talked to everyone ever? Have you tried to manipulate conversations? I don't think so. Hmm. Okay. Certainly hope not. What is this? Boyfriend is going to try to pay her back for what she's paid. Hmm.

But a boyfriend has helped her out with car insurance in the past. You didn't even say that. So you helped him out, but he's helped you out before and you didn't even, again, you should have brought that up if you're going to. I didn't think that was, when was that relevant? We haven't talked about like.

That we've only talked about this stuff. Because you brought, again, came into this conversation. Do you not remember what I just said like a minute ago? Yeah. You came into this conversation with the sympathy play of I had to cover him. This is where you also would say, but he's covered me before. So, you know, actually we're kind of even. I never said it was uneven. I'm just saying. No, you didn't. You're right. You didn't specifically say it wasn't uneven. But you came in to try to get sympathy by saying you covered him. Okay, but you asked what was on the card. That's a lot of what was on the card. That's not fair.

What? The apple cart? I didn't know the apple cart existed at the beginning. At the beginning of the conversation... No, you asked where all the debt and stuff is coming from, so I gave you the whole... That was part of it. That was the whole thing. But usually in contextual conversations, people would say, but also he's covered my expenses in the past as well, so this is kind of... Well, I didn't think that that would be relevant at that moment. How not? Are you not capable of normal conversations? I mean, sometimes I guess not. I don't think about the whole thing. I mostly just think about that exact question. You told the producers you think...

He owes you $3,000 to $4,000? Probably. What if you covered that as $3,000 to $4,000? No, your cats do not count. No, not $3,000 to $4,000. That's what they wrote down from your conversation with them. Unless they misheard you. I don't think it's $3,000 to $4,000. It's probably a good amount of money, but I don't think it's $3,000 to $4,000. For what? Your cats? No, just... Your half of groceries? I'm so confused. $25 to clean supplies on a monthly basis? What is he paying you back for?

All of this stuff. The Legos? Does he have to pay you back for the Legos? No. Then what the f*** is $3,000 to $4,000? Because now it's almost putting yourself in an entitlement position. Okay, I don't know how exactly to describe it. I have all the receipts and stuff, but a bunch of the things that we did the first month of us living here...

Is it just for the furniture? No, it's for like, oh yeah, that too. Okay, well maybe it could be for the furniture. It's for part of it. Did you guys make an agreement that he's going to pay for half? No, I just know he will. I mean, out of everything that they added up for the furniture, it was like a couple thousand bucks. So where are we three to four? We've only lived together for a year? Less than a year. We've been living together since December. Then what the fuck? No, that's what I'm saying. I don't think that's what I meant to say.

I genuinely don't. Okay. Yeah, there's no way. Next card. Let's see what new personality trait we discover in this one. Freedom. $1,005.35. Okay.

I know I'm being hard and I'm pushing you hard, but it is important to call out the things you have said, the way you have established the conversations and your way of not being able to find a potentially slightly less convenient way to do things, but save yourself in the long term. I need to call them out. I need to push back and I need to call you on your bull and you push back on those because you will continue making the same mistakes forever if I do not.

And you're a human that exists in this world. I cannot have you f***ing up forever. It sucks for you. I don't want to see someone suffer. $40 payment on this. $1,005.35 owed. Well, it looks like the balance was paid off last month, but then you purchased $1,005. Yeah. So what's up with this card? That's the shared card we used when we moved in. Who shared? Shared with who? The boyfriend. Not shared. He's an authorized user. Oh, God. But you're not married yet. Why are you getting so entangled like this?

Because he had no credit. Tell him to get an intro credit card. He did. He actually got a Fizz card. Okay, then all of a sudden we realized... Yeah, I wanted him to start building credit. Okay, so he got the Fizz card. Great. So why the f*** did he need to be on this card? I added him before that. Why didn't you just have him go get that card first? Okay, it's just... Because he had no credit to get one. He could have gotten an intro credit card if that's what we care about. Just the credit card that everyone... He...

On college campuses, they have booths where they're like, sign up for this credit card. Oh. If he really just needed intro, he could have Googled, Googled, GPT'd, grokked. He could have been

good of anything. That's what I thought of. I thought, oh, I can add him to this. It's the shortcut angle. It's kind of a repeated thing in this conversation. I feel like it's just a lack of knowledge. I feel like it's just a lack of knowledge. Yeah, but lack of knowledge is less of an excuse today than it's been in human civilization. You have the access to everything.

at your fingertips. I know some people are like adamantly anti-AI. Some people are like woo-woo AI. But here's the thing. I mean with like 4.5 using like the deep research version there, you can learn anything you want to learn and you can fact check to confirm that everything's okay and correct. But just history, stuff that is able to confirm at least throughout history –

It's like you can learn anything right now. You can have a scour the internet to find resources for you and knowledge for you. And then you go learn the resources through the sites that it finds through books, Google can Bing. If you want to get weird.

He uses Bing. Exactly. That's what I'm saying. Yeah, I haven't heard Bing in like a year. But you have the resources. Yes. The lack of knowledge is a choice at this point. Now, you don't know what you don't know. There is that. But the thing is, once you know you don't know something, which you know you are not informed on this, you can go learn. There are shows like this where we teach the basics. We teach the basics.

We have our educational classes. We have a fucking debt. It's in-depth on debt, in-depth on budgeting, in-depth on investing, in-depth on real estate, where you can spend hours taking our quizzes. And I give you everything that we have brought in experts to teach everything everyone would have to know. There are so many resources out there. It is not a... I'm 21. My frontal lobe is not developed. I never said the frontal lobe. You didn't say that, but a lot of people say that. But you did say, I'm 21. Well, yeah, I was trying to explain that like,

I'm 21, but also, I don't know. I just feel like there's just been so many things that have gone on with me that I just feel like all the time I'm just screwed. That's not even true, but we can all get down. No, but I'm not saying just the money. I'm saying in general. No, I know, but that is not true. You're in a position where you're in college. You live with your boyfriend. You're potentially going to get married. So far, I mean, yes, we've looked at lots of different debts, but we're at $4,000 a debt. That is too much of your...

two months of your income, unless something gets absolutely insanely worse, no, you're not in the worst position. You're in a position where you're doing stupid things like the spring break and justifying it because it's someone else's birthday. It's just like you're not in the worst. It is easy to feel down ourselves. We talked to the therapist about that as well. And it is easy to get into that spiral of

But you got to bust out of it. You got to start putting in effort. Again, just building out a budget, man, and our budgeting app. Literally just building out a budget. At least you know where your money is going. You can start correcting things on a monthly basis. It's all automated. It's like so many tools now where, yes, you can feel down, but there are easy steps you can take to start breaking that cycle.

I'm not like trying to use it as an excuse, but I do have ADHD and I do have anxiety. So like when things come up... I have a panic disorder. Listen, and then everyone in the world has ADHD, it feels like. It's really annoying, but it's when things like come up, because I got diagnosed really late because a lot of women do get diagnosed really late. So when things come up, they just feel really stressful in that exact moment. And I just try to find the fastest way to handle it. And you have to learn coping mechanisms. I do, but...

Well, that's the reasoning for a lot of the choices is I'm like, oh, well, this needs to get handled now. But you're still making those choices now. I'm going to push back. I'm going to push back. You are still making those choices now. Look at you. You are speaking educatedly about your own decisions, meaning you know they are going on, meaning it is your choice to not seek the help to develop those coping mechanisms of the results that you are doing, meaning when those results of your actions are happening, it is your fault still. It just feels like I work too much. ADHD is not a –

You do. Yeah. Like I don't have the time to go and see somebody about it just because I'm trying to work. And with your degree and everything, student loans might be a valid return on investment for you versus working 40 hours a week. It might not make sense for you to work 40 hours a week. And that is OK. This is not this is not Dave Ramsey. I'm not. You have to go to college completely paid for. You can get a good return on investment if we do this correctly. Yeah. You know, you already did the associate degree community college.

Yes. See, you've already done it like the right way. Yeah. That part, if we borrow a little and work 20 hours a week, that is okay. Yeah. But also you just went and spent $1,000 on Legos. Like it is not the fact that you are working. There are actions here as well as you are putting yourself in a hole where you're now forced to work because you have minimum payments. Yeah. Cause I saw you shiny. Cause you saw new shiny. Yeah.

I mean, that is literally the reason. Well, it looks like this card's 0% intro. Yes. Now...

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It's hard to tell. Quest Diagnostics. Yeah, got to make sure you don't got them STDs, STIs. I got it. I got it. You got to be safe.

You got a car wash. I mean, it's Florida. No, I wash my, I do, I try to take really good care of my car just to keep it like obviously worth something because I don't want it to be like bad because my car is white too. But you're not near the beach. You're not getting salted and not dust. No, our water has pure sulfur in it. Like the sprinklers that go off. The sprinklers in my apartment, they're purely sulfur and it leaves. And you park on the sprinkler? I have no choice. All the parking, all the parking is surrounded by the sprinklers. Okay. And it's really, really bad. A suggestion. Yes. Buy a one gallon bucket.

There's no hoses. No, fill it up in your sink. Oh. My gosh, and walk it down the stairs. Yeah. I did cancel that. I actually did cancel that. It was a subscription? Yes, it was. I didn't realize it was a subscription, and then I was like, I will say I did get my washes out of it, though. Once I realized it was a subscription, I got a crap ton of washes out of it.

Because you could pay for, I think what happened was they told me like you could pay for the one wash or you could pay that exact amount for the one wash. Yeah, I mean, they coax you into it. I get it. Yeah. Do you have to pay this off by? June, I believe. Oh, no, not June. Is it? I think it is June. I can't find a date for some reason. I know it was on there. I believe it should have been. June 14th? Yes. That's what I'm being told. Okay, so we have to put $1,005.32.

$1,535. One second. One second. Sorry. It's essentially, you got to put $510 to it on a monthly basis. Can I throw something in? Is it good or bad? It's not horrible. When I was... Also, what is this freestyle watches? Come on, that's bullshit. Sorry. I sold my Apple watch that I had. I sold it because I wasn't using it. I sold it to my sister. I got this one with the same amount. Do you need a watch? At work? Yeah, I do. Okay.

because there's like no clocks anywhere and i have to be on time everywhere you can't check your phone like that i mean just to see i can it's just i'm really bad at it and i i a lot of my work pants don't have pockets because women's work pants suck because we have no pockets so i end up leaving my phone in the office instead and they don't want us on it all the time anyway so it's also a very big appearance it's not the biggest thing it's just the it's just that 100 is a

is a my company's appearance thing they want you to have a watch and unfortunately at the grocery store I cannot assume that every purchase is 100% necessary because you work there you might be grabbing like energy drinks I do bring energy drinks with me I do not buy them at work that is a good start but you could be buying snacks you know things you don't need that you're passing out yeah I mean it's really hard because of the bogos but because of the what bogos buy one get one that's my store's big thing yeah

I'm being honest. Also, can I throw that thing in there, please? Sorry. For the Chase Freedom Unlimited, I was planning on paying that off with my tax return because I put aside extra withholding. I always put aside extra withholding, which I know is not the best way to save, but it forces me into it. Yeah.

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Your future starts right now and Course Careers is here to help you shape it. Okay. And that got delayed because my dad got pulled into extra work. So he's almost working 50 hours a week now. Do you know how much you're getting for a refund? Last year, putting aside less than I did this year, I got almost two grand. I think it was two grand. So probably a little more than that. You could have said more. Huh? Last year? This year. You said you put aside less last year. Why would you put aside more this year? Because I was part-time. So as of this year, I started putting aside more.

On purpose? Yeah. You really don't want to get anything back. I know. It's just, I was, my grandma always told me to because it's like a forced savings account. I know. I won't. Yeah, but she's my grandma. And wrong. So I was like, I'm not going to listen to her. I don't give a fuck. Yeah, but who the fuck was your grandma? Yeah, I would tell her she's wrong. I do not have the guts to do that. Well, you can also just not do it.

I just don't have a conversation about it. No, she had been asking for my stuff. She needs to get the fuck out of your life because she's being weird. No, I love my grandma. Yeah, but she needs to get the fuck out of this kind of stuff. The car situation and this. For savings, sure, if you're literally incapable of existing. Buddy, set up automatic transfers to savings. I did that now.

The government's not giving you a high-yield savings while the thousands are sitting there. And honestly, I'm concerned based on the habits we've seen here, the language we've used, the conversation we've had. It's like, okay, yeah, you might get a couple thousand bucks. They can help you pay off this card and one other card. But you'll just balloon them back up because this is like a consolidation. It's like a bankruptcy. It's like a balance transfer. If you don't change the behavior before you just wipe it, okay.

because it's not like you're closing the cards anyway and there's not a single card with a zero dollar balance on here unfortunately i thought there was me okay you're right so at least i've never missed a payment i know i said a lot but yeah but i've also heard probably 20 people say that and then i find out that they have i've actually never missed a payment i really hope so i can pinky promise you i've never missed a payment on anything we don't need to touch skin but i really hope so

No, but I can pinky promise that. Okay. I hope so. Amazon card. Okay. It's weird. You paid a good amount, but then you purchased on it. There's a balance. It's a small balance. It's like I don't understand why we keep it. $103.97. Yeah. I try not to spend too much on that one, obviously, because it's not in an intro period or anything. Okay. It's your Amazon card. Pull up your Amazon account. Okay. Okay.

Laundry? Okay, that's fine. Slim case for iPad. Okay, well, I wasn't going to break the expensive thing. Another reason to spend money. Yeah, but you spent money to spend money. Yes. You get it? Well, yeah, but I mean, also, I didn't want to break the new iPad. Like, I didn't want it to just immediately be worthless, so. Yeah, but also, maybe don't get a f***ing iPad, you tit.

expensive vacuum you do not need that right now no no no I have oh my f*** I'm sorry I know it's gonna sound bad I have really horrible allergies and the carpets in my apartment suck yeah but to get a vacuum that's not a thousand trillion dollars I know but it doesn't work that is a nice vacuum that is what I have

That is a nice vacuum. If you look up a vacuum right now, they're all going to be way more than that. They're going to be very expensive. That one was not that much. It was like $100. Oh, maybe this isn't the one I had. I was about to say. I was like, I literally picked one of the cheaper ones. Okay, $200. It was on sale. I bought it on sale. That's the only reason I got it was because it was on sale. You got it for $130. That's close. It's close.

carpet thing for the cat it looks like more cat stuff air purifier more cat stuff blue via that's the water filter

Okay, our water is horrible. You can look at it. Congratulations, get a Brita. We did, but it says that all it does is filter for taste. It doesn't actually filter anything out. Who says that? The Brita filter. If you look on the packaging, there's literally a whole label that says that it only filters odor and taste. It doesn't actually filter anything. And then we're back to the sud stuff. Dual chamber composting. Yeah, we compost. Don't.

That's good for the environment. It is. You just can't afford it. Well, yeah, but we don't pay anything for it now. You gotta buy the composter, dude. Well, yeah. The thing is, listen.

I will allow a justification of the case. I will allow a justification of the composer. I will allow a justification of blah, blah, blah. But the thing is, all of a sudden with your conversations becoming justified, justified, justified, justified, justified, justified. And this justified is stacking up so much to where you can't afford it, meaning it is no longer justified. We can justify a couple things here and there, but your justifications are so much on a monthly basis that it no longer works. Peppermint bullshit. I mean, this is stupid, dude. This is so much buying. You're getting so much.

My gosh. Okay. Oh, four things in your car. Let's see. More pants. No. My boss literally two days ago told me that the pants that I've been wearing to work are not in uniform. More blue Villa filters because that's a forever investment. Yeah. Child safety cabinet locks. Oh, our freezer. The door does not stay closed all the way. Tell the landlord. We did. They said there's nothing they can do about it.

Report it. I did. To the state? Oh, no, I did not do that. I thought you meant like report to them. Well, I would just chat online and see if that's legal or not. Okay. What the f*** is this? Filtered showerhead? I'm not buying that. I was not buying that. No, I was just looking at it. I just wanted to read it. But then I was looking at it and I didn't want to lose it. Going into your settings. Okay. You have the SeaWorld app. Please, for f*** sake. That was only for that day. I did not buy that. I certainly f***ing hope. Yeah.

We don't even go often. Looking at the subscriptions. Oh my. Expensive AppleCare. Apple Music, Cozy Gold, Duolingo, iCloud Plus, Lifesum Premium, Lightroom Photo and Video, $50. $30, $40, Duolingo, huge structure. It's one button.

Which one? Any of them. You can cancel all of them with one button right here. So shut the f*** up if you tried. No, it says that I canceled it. Lightroom. Structured Daily Planner. Oh my f***, use the Notes app or something. Yuka. Yeah. What the f*** are even half of these? What is Lifesum and Yuka? Lifesum tracks your calories and your intake and stuff for like every day. You can do that on the MyFitness app for free. No, you have to have a subscription for MyFitness. Okay.

To track the calories? You have to have a subscription to use the fitness app. What? I didn't. Yeah. If you go into the Apple thing, it'll tell you you have to have a subscription for it. I use that right now and I don't think I do. I don't know. They gave it to me. They tried to use it for free. That tells you... Or what's the other one? The yucca. That you didn't say. Yeah, that. It tells you like what... It breaks down what ingredients are in each product to tell you if it's safe or not. That's because I have really bad problems with my hormones. So it tells me if things are endocrine deceptors or not.

Oh, boy. I feel like that's reasonable. It's reasonable. I just wonder if you're going to make it to like $60. Why? Because... No, it just seems very broken. Oh, yeah. No, I have a lot of problems. I'm not even going to lie about that. Okay. Citi double cash. Yes. That is only balance transfers. Oh, apparently the Amazon card's actually at $300 now. Great! Yeah. Let's re... We're going back $300 to the Amazon card. Minimum repayment, probably still like $35.

Okay, city double cash. Another $1,465.75. Holy cuts of a thousand. Death by a thousand cuts, dude. Yeah. None of these balances are absolutely insane. What? What is this card? It's only balance transfers. Oh, you balance transfers. I was wondering what the fee was. Yeah, but it was zero.

It was zero APR on that for 12 months. Yeah, but that's just a deferment. It's you thinking you make progress psychologically so you don't cut back. And we already saw you spend four times what you brought in. So it's like you obviously psychologically feel like you're making progress with this and it's not working for you. Okay, $41 minimum fee payment. Yeah, there's your $40 fee, transfer fee. I was like, got very nervous seeing that fee. I was like, did she f***ing lie? No, I did not. Okay. And yes, it is until October. So let's see.

That one I did know. $1465.75. October is... You'll have about... Five-ish months. Five payments you can make for being safe. Okay, so $293.15 a month. That's what you need to pay to pay this off. That's a chunky one. That is a chunky one. Okay, what do we have here? Okay, amount financed $3,960. Finance charged $1,752. What the...

The interest rate's 25.53. What is this? I think that's the loan. It's a loan, yes! For what? It was a personal loan. I paid off all of the cards that I had and then ended up spending them again. How did that work? Not well. So we're doing it again with balance transfers and using our IRS money. The balance transfer was before that. I'm just saying.

Great. So we really didn't make that. I thought that it was going to help me consolidate. And again, you spent four times that you made. Yeah. I thought it was going to help me consolidate. So it's like you still haven't learned your lesson today. Where we are today, you have not learned your lesson. Today. I just thought it was going to help me consolidate it. When did you take this out? December. So right after. This last year? Oh, fucking shit. Okay. So the balance is still basically, it's going to be like 4,000.

And you're going to pay a total of like $6,000 over the history of it. Yeah. Okay. Loan. Great. Consolidated. Stupid f***ing nation. Yep. $158.67 a month? Yes. Oh, boy. It's going to take forever to pay off. $158.67. I think it's a three-year loan as far as I'm aware. What? They told me you took out the loan for f***ing moving expenses. Yeah.

Well, I was paid. Well, no, I, yes and no. I paid off the cards that I had and then I used those cards for moving expenses. Oh. Yeah. Oh, fuck. What moving expenses did you possibly have? My truck and trailer to move. Moving what? All my stuff. How much stuff did you have?

I must be unique in this. When I moved down here to Austin, Texas, it was two seats in my sedan. Yeah, no, I had a lot of things. Get rid of it! Well, I can't get rid of my pets and my tanks that I have. I moved with a cat down here. Well, yeah, but cats are a lot different than turtles. I had two turtles and two separate tanks. Oh, then you can't afford them! Well, I didn't know that at the time. Then you shouldn't get

Your parents shouldn't have allowed you to get them. I was a kid. Then your parents shouldn't have allowed you to get them. My parents are broke too, so. Also, they're stupid? No. Financially? No. Yes. I have no idea, honestly. They're broke, so they're probably stupid financially. Except for a few rare circumstances, in the vast majority of time, if you're in like your 50s and you're broke, a lot of that was choice. A lot. There are situations where it's not 100%.

but a lot of it so we can assume financially so they would probably be stupid you oh trust me people honestly even the brokest of people are the ones that work hard because they get to work the hardest because they get themselves in the worst situations ever out of their horrible actions and mismanagement of money that they're forced to work hard then they do things they don't even want to do longer than they want to do yeah well i mean that's where the before i moved that's why the cards were so high that's why i got the loan to pay him off was because i was trying to help my parents out too

Not pay for their stuff, but pay for anything that was for me. You can't do that. It's not your job. Well, I'm aware of that now, but at the time, I mean... Did they... They didn't ask me to or anything. No, no, no, no. I was just trying to make their lives easier because I saw how hard they were. I appreciate the heart of it. I know. It's destroying your life. They had... I'm the youngest of five kids. Then it really shouldn't be you. And they started having kids when they were young, obviously. Okay, so did my parents? I don't know. No, but it's like...

They tried to go to college and then they couldn't afford college because obviously college is expensive. And so my mom got a full-time job and my dad works full-time. He's working in like... It's like construction, but I don't want to make it sound difficult. But it's basically like a construction job with plumbing. And so he works outside a lot of the time all day. In Florida, the Florida heat. Exactly. And it scares me really bad. And I see how hard he works. So I was just trying to like... But you're putting things on credit cards without them changing the behavior that got them there in the first place is one, enabling them. Well, they try...

My mom works at a bank. She tries hard. My mom works at a bank. I mean, she tries hard to pay things off. She works at a bank. No, I mean, she knows what she's doing. It just, it feels like we constantly get screwed. You don't have to work at a bank to know what you're doing. Trust me. We got foreclosed on in Miami and that's where a lot of it came from. Yeah. I don't really know how else to describe that. I'm just saying if I sat down with them. Yeah. The trying. I bet two things happened from what you did. Three things. One, you had a good heart and I appreciate that. Cool. Number two. Yeah. Number three.

Probably just enabled their behavior that got them there in the first place. Based on everything I've seen on the show, that is likely what happened. Well, the car payment is a lot of what's... So you had a trailer and all this stuff for moving? Yeah. Dude, for turtles and bullshit? Yeah. What the fuck are you doing? And that cost thousands? No, I wouldn't say thousands. I mean, that was just like all of it. How much did it cost? The trailer was probably about $300 for...

Just like to move up here and then I had to pay for rent and stuff, but I didn't have anything put aside. So I paid rent. The first month of rent was like basically on me because my boyfriend, his stuff didn't start until he was in classes, which was in January, not December. So I had to pay for the first month.

Does it make sense? It does. Yeah, I mean, I don't know how else to describe it. No, it does. Yeah. And that part's fine. Yeah. But that's where like a good amount of it came from was that and everything just being built up for so long. Because I also put- But you're not working there. Where? In Gainesville? I was, but it was part time because I was also helping take care of my grandma. Who's taking care of your grandma now? And in school, my parents when they come home. Otherwise, she's just home alone.

Yeah, but what about when they're not home? As long as I'm president of the United States, Iran will never be allowed to have

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She's not. I mean, she can still do things. That means you could have worked more. Sorry, I'm a natural pushbacker. No, I wanted to, but it was my grandma asking me not to. Like, asking me to help her. Well, she was asking me to stay and help her. I mean. That's so hard. I know. That's so hard. But at a certain point, it also is just like, I never want to be in a position if I have kids that I am delaying them from actually being able to live their best life. And then I delay them from starting their life.

For a decade. I mean, it delayed me from starting school until the spring. Exactly. Yeah, I was supposed to start in the fall, but I stayed because she was not okay. I'm not against the heart of it. It's just the... It's just like there's been a lot of things that have happened with my family that have made it feel very stupid. It's $4,500 that you owe currently. It's going to go much higher. Personal loan. Oh, yeah. That I need.

I also had, there's also, I don't know if it's in there anywhere. Yeah, but this is separate. There's also probably some medical debt somewhere. Not in here because I can't find it. But I had knee surgery at 19 or 18. What happened? We have no idea. It's not fixed. The surgery didn't fix it. Okay. But my knee dislocates on its own.

You just pop it in? I don't know how it works. Yeah, I literally just force it back into place. But I was going- Can I see? My mom has a video of it somewhere. Okay, we'll do that in the post show. Yeah, I was going to say I can find it. Okay, so student loans, let's talk about that in a second. Let's go with what's here. Student loans, again, I'm okay with you borrowing more. What's the intro salary for the position you're trying to get?

I don't know the... Oh, you mean yearly? What's the position you're trying to get? Any psychology, so therapist, anything like that. And they start around... Yeah, but you're going to need more than just a bachelor for therapy. No, because I can get the certification, which allows me to go right into it. So basically, I can start out at $60,000 if I get that right away. Okay. That's good.

And then it gets more with experience, obviously. I'm not saying do this, but by the student loan rules, you can technically borrow $60,000 in low-interest federal student loans. See, I was going to, but because my mom started to make more, which she really didn't, it was just to cover the COVID relief, they pulled my funding. So I couldn't get any funding for school. So a lot of...

There's a bunch of random school purchases. Yeah, but maybe unsubsidized federal. I tried to do unsubsidized and they said that I was not eligible for it. What should she make? I have no idea offhand. But that's why this year that's going to... So this semester, this upcoming semester or year or whatever, that's going to change because I'm considered independent now. Independent now. There you go. So have you applied? Yes, I did. I just have to wait for this semester's grades to post before they tell me. But I did apply for that. That's not bad for being two years in. Yeah.

Oh, okay. SoFi. It's the good SoFi, not the bad SoFi. Okay, SoFi checking account. So that's all your debt. You said you have some medical debt. How big though? Probably. I genuinely would not know what to tell you. My mom did it. Well, if it's small, it's not going to show up on your credit. Okay, cool. But that's the only other thing I would know of. If it's large, it's going to take a bit to show up on your credit, but then it will. My car is also debt. I don't know if that's where that is. Wait, did I have that document? You didn't go through it yet, but...

Oh, I think the problem was that the car is in my mom's name. No, it's in, I'm the secondary on it. How much is it? I didn't have any credit. 23 and change, I believe. Yes. Oh! Yeah. What's the interest rate? 5%, I believe. Okay, that's not horrible. That's an insane balance for someone making $2,000 a month? Yeah, I hate it. I genuinely, that's the one thing I can't even argue with you on because I hate that balance. You can't argue with me on any of this, honestly. I know.

No, but I genuinely did not want to pay that much. What's the car here? It's a 2019 Chevy Colorado. I've never even heard of that. It's worth $12,000. It's a midsize truck. It's worth $12,000. The dealership told me it was worth $17,500. When? Right before I moved. It's worth $12,626 median. Okay. Private party, which is usually higher than dealerships. All right. I mean, I believe you. I just checked it. Even if it's $17,000, you're down $5,000. Yeah, I know. I hate that fact.

Because I tried to go in and trade it in for something cheaper and it would have put me in more debt. So I didn't do that because the car was worthless. Well, you're underwater. Yeah. Minimum monthly payment? $515. It's horrible. For how long? I think another two years. It was five years. It was five years. It's been three years and you still owe $23? No, wait. Wait.

It's been two years. Two full years. So three more years. Three more years, yeah. Sorry. Okay, almost $2,000 in a checking account. That is not bad. But it is up from $44,000 when you started. So I feel like we're in just that part before you go down again to where you were. And you went in and got some bullshit. Went in and got some bullshit. Bullshit. Dirty dogs, car wash, BS, BS. I told you about the car wash thing. That was a situation. But there's two. Yeah, because I... I had the credit card and then that checking account.

There should not be another one on the credit card. There is. Great. That's what we were looking at earlier. Remember? Yeah. First watch. Oh, that one is my boyfriend's car. Sorry. Why is it on your checking account? Because we share that checking account. You share with a boyfriend? Yes. Don't. Separate. Okay. Skims. BS. BS. Always walking out of the grocery store or something. Yeah. Of like $4. That I hate.

This I hate. Savings went down from $5,500 to $1,300. What happened? That is because my... What are Skims even? It's for bras and stuff. It's inexpensive. It is expensive, though. Are there Amazon Basics bras? Yeah, but they all suck and they wear out really fast. So I just assumed it was better to get the one that would last. I thought we were all free in the NIF anyway. I do. Look at me. Yeah, I can't at work, though. That's the problem. I would, totally, but I can't at work. The thing with that...

That money partially was not mine. It was strictly school. That was savings for school. From who? Like family from a long time ago. And then I had it in there. So that was not like my money. Does that make sense? It was just sitting in there because that savings account had a better interest rate than my original savings account. So I just had it in there because I felt like it was better to keep it there. Yeah. Yeah.

Where'd it go? To school. It went to tuition. 100% went to tuition. My tuition was like at least nine grand or something like that. Mine only got like a thousand in there. Yeah. Another chicken account, 300 bucks in there, started with 195. Looks like just payroll coming in. Yeah. Part of my paycheck goes there for my car because my mom pays it. And $22 in the savings account for that. Yeah.

Oh, Publix 401k? And that's going to go up because I got full-time. 2161, pretty good. Are you only taking the match? I think so, yes. Only take the match? Yes. I don't know what the match is, but only take it. Do you know what the match is? No, I do not because I just started that. I just started changing it because I got full-time. So I only had one option when I was part-time and it was, hey, do this. Don't look at the market. No, I don't. It's a percentage of my check and I can choose the percentage. I think right now it's at like 10 or something.

But I have no idea about retirement stuff. Well, this is interesting. Let's get you a budget. Okay. Total income, $2,000. What's your portion of rent? About $800. Okay.

I know. Too expensive. If I go on Zillow right now, I cannot find a place cheaper. Probably not. What happens if I prove you wrong? I mean, I'm in a lease, so there's really nothing I can do about it. We'll not have gotten into a lease you said you were looking for ever, but also we can potentially get out. But either way. Why isn't it recently sold? I don't care about that. On the coast? No. Well, kind of. What? We're 10 minutes from the beach, but we're not on the water. Oh, for f***'s sake.

The college is right there. I mean, it's kind of... No, I'm just saying, for spring break, you're already where everyone goes. Yeah. You're right. It is going to be probably expensive. You said Orlando. Yeah, I said near Orlando. What do you pay for your two bed? The total is $1,707.91, I believe, every month. But then we split that. $1,770? Yeah, $1,707. So let's just say...

Okay, I have 75 rentals available for $1,400 or less. Is that including any utilities or anything? Some, I'm sure. Lots of $1,200 ones. Lots of $1,200 apartments. Lots of $1,200 apartments. And it's one bedroom. You guys already sleep together. It's okay. Utilities, how much? About less than $50 because it's the only one. Internet, how much? We don't pay for internet. It's included.

Gas, vroom, vroom, drive, drive for you. Maybe $40 every two weeks. Car insurance, two weeks, okay, so $80. Okay. Car insurance. On a month, I pay every six months. How much every six months? Around $900, I believe. It went up because I moved, which I don't understand why. $150 a month.

Phone bill. I don't pay for that. You do use helium if T-Mobile service is good in your area. Yeah, I was planning on it. I was planning to. I'm going to do your minimum payments and not what you should put towards those two zero percenters to pay it off. Obviously, no payments on student loans now, but the car really. 90567 is owed on a monthly basis. I mean, you're already over, so it's like...

A TP fund, you can do 100. You can do 300 of groceries. Again, use the cookbook. It comes with a premium version of the budgeting app, and you can get a physical version signed. If you sign up for the annual version, I'll mail it to you. Medical on a monthly basis? I know you're broken. How much? 60 for meds, I believe. Not bad. Gym? I don't need it. I have a school. No subscriptions. How many cats? Two. Health and age?

Both five and they're both healthy. Pet insurance, I'm budgeting 60 bucks. Okay. You're $500 under, $511.67 under. Under what I make? Okay.

But I can't have you working more hours. In fact, I might cut. Every day, thousands of Comcast engineers and technologists like Kunle put people at the heart of everything they create. In the average household, there are dozens of connected devices. Here in the Comcast family, we're building an integrated in-home Wi-Fi solution for millions of families like my own. It brings people together in

Back down to 30.

Rare case, but you only have two years to go. Yeah. Student loans, borrow, try not to go over 20,000. What's your semester cost? Last semester was nine out of pocket because I had scholarships. Because I had scholarships. And I get to keep the scholarships. What do you mean last semester? So this semester I'm in. You're in your first semester. Yeah. Three more to go? At least. Yeah. Yeah.

Okay, $27,000. I'm okay with that. Borrow that. Okay. For student loans, no more out-of-pocket expenses. Everything you have is going to life expenses. Okay. But you're still under. You guys need to downgrade your apartment when you can. Yeah, when we can. I'm planning on that, actually. Well, I plan on going to your office and asking if you can get out. Okay. If it's expensive to break, then don't. But that's a conversation you're going to have tomorrow. Yeah.

And we had to get the iPad and get all this return the iPad. Yes. When did you buy it? Like a little under a month ago. I think Best Buy is two weeks. Go cry. Okay. Go cry to them. We know you can do it. Hey, that's not fair. I'm kidding. Just go into Best Buy. I think they have a two week return policy. Beg, beg, beg, beg, beg.

I can't afford life, which is true. Which is true. Let's just get rid of the minimum monthly payment. Any minimum monthly payment we can just strip away, the better. At least I want zero APR. If you can actually sell your car for $17,000, sell your car for $17,000. Like to anybody who threw something? Borrow 500 private sale, preferably. Okay. Borrow 60.

It's going to be hard. I was going to say... No, no, no, just one second. You can borrow the $6,000 and then you can pay it off, personal loan, and then get a $10,000 car loan for a $10,000 car. Okay. That brings you down to $16,000. That's less debt to pay off, but I bet your minimum payments are going to be pretty similar with both those loans combined. Mm-hmm.

So that doesn't save you on the monthly basis. I would still do that. Yeah. But I'm trying to figure out how to get you there on a monthly basis. Well, I did try to do the whole selling the car thing. You might do a part of student loans for living expenses, but you do not get to have one single cent of going out to eat or fun or anything. No more Legos, no nothing. I don't know how you've survived up to this point, honestly. I did tell him we can't do it anymore. In the summer, are you working or are you... Working. No, I'm absolutely working. I have no choice. Then you are killing yourself in the summer. You're going 80 hours a week.

80 hours a week, realistically 60 hours. But just go hard, the hardest you can push you to your limit so that you can save up enough to funnel your living expenses for the next school year. And that gets us even. Is that with going to school in the summer too? Because I'm also going to school in the summer. Sorry, I said school or work. Oh, I'm sorry. How much school? Full time still. Why? If you're doing three more semesters.

Because I'm also doing the minor, so I'm trying to get them all done as soon as possible. Well, we have to pay for that too, though. I think this summer is cheaper, though.

I didn't calculate that under the student loans. Listen, you might borrow about $40,000 to go to school. I'm okay with that as long as you actually finish this, kill it, and get into a good paying $60,000 intro career and move your way up from there. If that's actually the intro, if it's less than that, then you cannot borrow this much. But maybe you're borrowing $40,000 and some of that is subsidizing your lifestyle, but you're going to work your ass off in the summer as well. Yeah.

If you ever need an extra – there's nothing for psychology, but I can always, of course, gift you a course career certification. Yeah. Just maybe your boyfriend. I don't know. Honestly, that would be great for him. Yeah, we can do that. Yeah.

Yeah, I mean, work as much as you can. You're going to be in a deficit. It's okay to federal student loan, borrow some of it. What happens if they do the same thing they tried to do last year and they don't give it to me? Like they don't let me take... Well, you said your status is different, so... I hope, I mean, I hope they give it to me, but Florida student loans right now are really stupid. How often do you apply to scholarships? All the time. I'm constantly doing that. Keep going, keep going. Yeah. I don't know.

Yeah, I mean if that happens then we can have a conversation and we can go from there. But I'm going off the assumption that you can. I've just already put a lot into the school so I don't want to give up on it. I'm not saying you can give up either but if you have to take one year to save up for the next two years of living expenses...

Like that's not going to be the worst. Yeah. Like I'm okay with you starting this career at 23. I had even considered doing that, but I had already pushed my application back and they told me they weren't going to let me. Now that you're in, ask if you can take a year off. Yeah, like a gap. So they just say, I need to do it to save up some money. And if you start your career at 24, that's not a bad thing. Yeah. Okay. So there's a lot of options here. Okay. Also. That's what you need to start doing. If anything with like that doesn't work out, the store I work for, the managers make money

at least $100,000 a year. So I can always move up. But that's going to demand a lot of your time, which takes away from school. And it's not going to be as flexible. I'm saying like if the school thing doesn't work out. Oh, if you want to do it, sure. I mean, I still have, I have two options for a good career. Yeah, like,

I'm not stuck at nothing. Join us for the post show. We're going to call the boyfriend and confess how bad this actually is because he doesn't really know. We're also going to watch her get her knee disjointed. I'm sure there's extra drama and all this stuff that I don't yet know about that Lindsay, the team master, is going to bring up. Make sure you join Hammer Elite in the description below. It says $10 a month, but literally it's thousands of hours of extra content and we upload something every day. It's the best YouTube membership there is. Hammer Financial Score, spending in a budget, zero out of ten. Debt...

It's really not the worst day. You're just being very stupid with it. The car is dumb. It's going to be a two out of 10. The car brings it down pretty hard. Emergency phone, one out of 10 because that's all you got really there. Retirement. For your income and where you actually are, your retirement for your age is quite good. I'm going to give that a... I'm so excited for that one. Seven out of 10. Real estate, zero out of 10. And that's not expected at this age. So this is going to be...

Not too shabby because you did stock up a good starting retirement. So two out of 10, not bad for 21 while in college and being in debt. That is not that bad of a score. Hey, I'm going to Norway. You don't have enough money. Two for

Why possibly? What? Because it's my family's vacation. I don't give a f***. They can pay for it then. Call your boyfriend. Put him on speakerphone. I have to tell you all of my debt. How much do you think your girlfriend Sabrina's debt is? $5,000. Yeah, it's a lot more than that. To watch the Financial Audit Post Show, click the Join button below.