She Gaslights Me For 1 Hour and 35 Minutes | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Your entire preemptive story of making you the damsel in distress. You're lying. You're trying to just f***ing look good. No. Nothing has to do with your f***ing ex like you set up for the first 10-15 minutes of this entire conversation. To be fair... So f*** you. What a manipulative way to open this conversation. Well, c***.

Download my new simpler budget app today and take control of your money once and for all. Hi, my name is Ashley. I'm 21 years old. I'm from West Palm Beach, Florida, and this is Financial Audit. Thanks for coming over to Austin. What do you do for a living in West Palm Beach? I am currently a server at an Italian restaurant. Okay, so high-end Italian or Olive Garden? Olive Garden.

Where are we in the scale? Because our wage is really going to be dependent on that in terms of the tip level of things. It's a little above like an Olive Garden type situation. Okay, so you're probably not making that much. What are you making? I assume a lot are tips. Mostly on tips. So I make, I just went up from 13 to 14 an hour for my hourly rate. And then my tips, I usually make anywhere from like,

Probably like 600 to a thousand a week in tips. Oh, that's not. Okay. That's not bad. No, not at least for your position. How long have you been doing that? Um, I've been serving for almost three years now, like two, two and a half. Same place. Yeah. Same place. Oh, okay. Very cool. So it's obviously working. Um,

This doesn't necessarily mean you have to. Don't get me wrong. But oftentimes when people are serving in the age of 21, sometimes that means they're also in college. Sometimes it doesn't. What are we trying to do? So I was in college. I actually graduated. You graduated? Yeah. Well, with my associates, but. Okay. And what? Business administration. What are you? When did you do that? I finished in the spring of 2024. So like half a year ago.

spring of 2024 was basically a year ago. Oh, well, yeah. Well, by the end of spring, it's like May. End of spring semester. Yeah. Okay. That makes sense.

What do you plan to do? I don't think we're doing this forever, are we? I'm trying not to. What do you mean you're trying not to? Like I want to hopefully maybe own my own business one day. Like I want to have that freedom. Business owner? One day. I mean it makes sense. I mean you're from the audience, right? That's where everyone applies from. And we do tend to – well, this is a finance channel, so you get some entrepreneurial things. That tends to be more natural just in the audience. But I always see people go about it the most crazy delusional ways. Yeah.

Why? What is going on? What is going on in general here? Because like, what are we looking at? What are we talking about? Because I'm going into this blind. Like I like to, I like to go into it with the audience. Obviously we're talking about, okay, graduated with an associate's degree. So probably not that much debt. I'm going to start a business. So probably not that much debt, maybe an emergency fund. Cause I'm going to go into that business. I'm going to fund some upfront costs. Uh,

Uh, okay, cool. So you're probably good, except you're on this show, meaning you're probably not. So what is going on? Um, so there's been a lot of adjustments. So I just moved back in with my mom very beginning of the year, January 1st. Really? Yes. Okay. So, um, there's a few things. Um, I moved. So me and my, um, boyfriend split up. So we broke our lease.

You had to break a lease? Yeah. Wait, how long were you guys together? Like two and a half years, almost three. Me, okay, yeah. Yeah, that's brutal. Yeah. When did you guys break up? December 31st. December 31st? Yeah. And when did you guys determine you were breaking the lease? Like two weeks before that. It was very... Wait, how did you determine you were breaking the lease before breaking up?

Oh, well, it's weird. Yeah. So, I mean, it was kind of rocky for a while. What was going on? So, I mean, we had moved into this house in August, so we weren't there very long. There at all. Yeah. Was that your first time living together? No, we had an apartment that we were in for like eight months. We also had ended that lease. And anyway, why? Why'd you end that lease?

We had a roommate situation that was very unideal. It was one of his friends that was, like, renting, like, the guest room, and he was on drugs. Which? Um, like...

Yeah, like very, very. Oh. Yeah, and like we don't do that at all. Didn't even know he was on. No, never. Never. Okay. So it just made me uncomfortable even in that environment. I've never even heard of anyone intentionally doing that one. I think everything's laced with it, but okay. Well, that's probably how it started. I didn't know it was Skid Row. Sure. Okay, so you guys broke the lease with that instead of just kicking out the roommate? Well, he was like, so he was like.

He was on the lease and then like he had a friend take over our part of the lease. So we were kind of off the hook with that one because I took over the lease. But. Okay. So then you guys moved into this new place. But where were you guys breaking it, though, before you guys broke up?

That's what I want to know. This just happened. Yeah. So after we ended our first one, we moved in with his mom for a little bit. That was very not ideal. Everybody was yelling at each other every morning. That's weird. Yeah.

Yeah. So that's not a traditional household. I will stress high, just everything. So it was definitely like, no, no, no, no. So that was, you know, good change. Um, but then we applied for this place, got in, um, and then we had a roommate there and he kind of did the same thing. He lost his job and then just like moved out and like stopped paying rent. So, um,

Yeah. And then so I started working a second job. I was working at another Italian restaurant and then I was working like seven days trying to like. You're working two jobs. Yes. Wait, when was this? Like two months ago. Like I think I started this. So to confirm, your boyfriend just left his job. No, he was working. Okay. But no, no, no. This last place though. Why did you break the lease for this last place? The one that just happened. Yeah. So that was like part of it. Like he was like.

Who's he? My ex. Sorry. Okay, the ex. Yeah, so my ex, we, I'd broken up with him actually like a few weeks before this. No, you said you broke the lease before you broke up. The first time. You broke up twice in a month? Multiple times. I caught him cheating on me. Like, looked through his phone, found messages. Do you want a cheating that happens on this show? What the fuck is happening in this world? Is this more of a, why do people have the desire to even cheat? I couldn't tell you. You guys were together for two and a half years. What the fuck?

Wait, how old was he? Because, I mean, you're 21. Yeah, he was like two years older, so he's like 23. Okay. Oh, great. He's going to be a great person for the rest of his life. I mean, people change. People grow up. I mean, I made a ton of mistakes back then, too. I mean, we all do, but cheating's f***ed. That's so personal and so intentional and...

especially when you're with someone for two and a half years. Oh, he swears. It's not cheating. He swears. He didn't cheat. Okay. What did he do? Sorry. This is, we'd got to get into these finances. I know. I'm sorry. No, it's the lore. It's the war. It sets up your situation that you're in now. So what the is not cheating? Well, he said, because he didn't sleep with anybody that he didn't cheat. What did he do? Oh,

naked pictures in his phone sending and receiving so he wasn't just watching he wasn't just no no real people like text messages as a cooner i understand but like no trading with someone while you're with someone living together so on the same lease so anyways that well that is cheating yeah and he says that's not cheating how many people

I mean, I counted at least like 10. So you broke up with him the first time. Why'd you get back to him the second time within the same fucking month? I didn't get back with him, but we were both living in the house. We were both on the lease. And I tried to kick him out and he wouldn't leave. And then, so he just kind of kept staying at the house. And then I was playing nice and I was kind of figuring out what I wanted to do. And then he was like, oh, well, with our financial situation, I think it would be best if we ended the lease. And so that's when I was kind of like, this is probably my out. We should probably end the lease. And then I'm going to move back to my mom's house. So...

What would he say if I talked to him? Because I do realize, like, as an internet personality, I have a lot of things said about me. And it's fine. But, you know, there's always this, like, one side, one side, one side, one side. And I just, you know, I just focus in. Yeah. What if I talked to him? I mean, I would hope he knows. What would he say? What he did was wrong. Like...

I hope so. But would he agree with this entire situation? Um, I would think so. I mean, we've talked about it. Like he even knows that like I'm coming on the show and stuff. And I was like, what if I call him?

You can. If I call him in the post show. Yeah. Okay, because I do like to hear two sides. Yeah. I mean, for what it's worth, I'm on your side and I fully believe you, but it is important to always hear two sides. Yeah. Especially with such a situation where it financially impacted everything. You guys broke the lease. I mean, that had to have cost money. Yeah. How'd you pay for it? I mean, you have a...

time I died. So it's not like this debt wasn't just accumulated within a month and a half, was it? Most of it was accumulated in the last like six months. Six months, that's different. No, no, no, no. Six months, yeah. Not like in the last

two months. So you moved in with your mom. What happened to the... But you said you gave me one job. You said you had two jobs. What happened? Yeah, so the other job I got to try to like make up money to compensate for the lease and then I had to quit when I moved because it's like an hour away. When you moved to your last apartment or to your new mom's house? To my new mom's house. Do you have to pay your mom any rent? Yeah, I'm paying her $500 a month. That's actually...

Not bad. Chunky. Well, it's chunky for like moving back in with a family member at 21. I mean, it's OK to move back in here and there, especially in our 20s. That's what just being enabled. But at 21, it makes sense to move back home. For example, I mean, so I went to a college in the east state of Michigan. I went there for a year and a half and then I transferred to a college in the west state of Michigan and I moved back in for a semester.

at like 20 and that was the last time I lived at home and that's fine I moved back in during a college situation transitioning to a new university like that's okay but it's interesting paying $500 in rent but whatever that's what you guys agreed to so you had to leave that job how many hours a week are you working at your job now but the

The last one was too far. This other one's not too far that you're in right now. So it's kind of just always been central to wherever I move. It's kind of always been 20 to 30 minutes from where I'm at. It's a far drive for a waitress job. It is. Yeah. It's just, it's like really weird. I've worked for the owner since I was like in high school. And then like, I used to be. So you guys have a good relationship. Yeah. Yeah. So a lot of trust there. That's good. What's your normal job?

What normally hits your account with tips and everything included on a monthly basis? Probably usually a little over $4,000, anywhere between $4,000 and $5,000. Hits your account? Yeah. That's not bad at all. I know. So $4,500, is that what we're going to say? Yeah, I would say about between my direct deposit. So $54,000 a year net? Yeah. Net? Yeah.

Yeah, after taxes. I'm sure you don't claim your tips. No, I do. Your tips? They're on there, yeah. You claim your tips? Yeah, my credit card and my cash. Really? Every night, yeah. Who the fuck does that? No, we have to. Cash? Yeah. Okay. Well, I mean, I'm sure a few- So 54,000 hours a year, what's the struggle? I'm confused. What are we dealing with? Why are you struggling? 54,000 hours a year net at 21,000?

Moved in with her mom. What was your portion of the rent before you guys broke the lease? So I... It was... Just rent was over $1,200. That was my portion. That's pretty expensive, but even still, with your $4,500 a month...

That's 26% of your net. I mean, that's not bad. You weren't in a dangerous position, so I'm confused. Yeah, but he would be like unreliable with like, so I paid the whole security deposit when we moved in there. So that was $2,400. And then I had to pay the whole first month on my own, which was another like $2,400. So then we kind of had this conversation and expectation. Why would you date someone like that? With a proven track record like that? That's a good question. Are we surprised it turned out to be a dirtbag?

Well, you know, the signs are there now, but it's like at that time. I think the signs were there when he wouldn't pay his rent. Yeah. Well, it wasn't like it wasn't always like that when we were at the apartment. I never had any issues with him. He would always like sell me the rent like directly. But I still was always the one responsible for making sure I got paid. And like I was primary leaseholder. So like I was liable.

same with this new place that we moved to, but he was like also on the lease. So it would just come like two days before rent is due. And he would just be like, Oh, like I'm a couple hundred short. And I'd just be like, like,

I don't know what to do. Like, I had no notice. Yeah. So that was like... Well, it's his excuse. Oh, we're going to have to call this guy later. This is interesting. But there has to be something moronic in here. Because there's no reason you'd be on this show with your income situation only having to lend a couple hundred dollars here and there. Like, so far, everything you're saying is setting this up as you've... I mean, it sounds like, yes, that's the situation, but it's like, you're a victim in all this situation.

There has to be some dumb ass. Yeah, I mean, a little bit. Like, I mean, the choices, but like. The choices? What choices? Like all the financial situations that I got myself into. But like, you know, when you're with somebody and you trust them, like, you know, you think you're working towards the same goal. So it's like, you know, to me, it's like, I get you now. You'll get me later type thing. Like, that's how I saw it. And then I just never got to the you get me later part.

Okay. Oh, where do you think you are in the world of finances? Zero to ten. Zero being the worst, ten being the best. Probably around like a one or two. I did it online and I got a zero, but I don't believe that.

Okay. Well, if you guys want your Hammer Financial Score, that is free. Link in the description below or go to calebhammer.com. And if you want to come on the show, you have something interesting, you have interesting finances that we're talking about, go to calebhammer.com. We'd be happy to have you down here in Austin, Texas. I'll give you a good financial beating. And it's a good time. Are you having a good time? You met the crew. You met everyone. Yes, they're awesome. They're so awesome. Well, thanks for being here. Thanks for having me. So 5,400...

Well, that's not what I had come in. I mean, okay. I had payroll 982. Yeah. But then obviously tips. That was likely the ATM deposits to 2,455. Yeah. I have just random deposits adding up to about 1,500. What's that from? Also probably tips. I just like see that. I think that's part of where my issue is, is like I don't like.

Usually, like, I don't know how much I make in a night. Like, I just kind of like all my cash goes in my bag and then I like deposit. Well, then how are you able to accurately tell me you get $4,500 on a monthly basis? It's like a, it's an estimate. Like, I don't know. No, then what would be the real number? Okay, well, you're ruining this. Well, because I'm a server. So like, like in the slow months. Yeah, but I asked you what you get and you confidently gave me four to five.

Like, can I believe that anymore? Like recently? What? Like, like in the last like two months, that's about what I've been getting. Two months? No. What is it normally like over the course of the fucking year? It's. How can we make an income estimate as we go throughout this entire thing? If I cannot reliably trust the information that you've given me for the income and I trusted you and I've been on your side thus far.

I just... What's your f***? I mean, it's not... I mean, there's really no way to know. Unless I go through each month and look at every single one of my deposits. And even then, there's cash sometimes that doesn't get deposited and stuff. So how would I know? What happens to that cash?

Most of the time, like it gets deposited. But other times you said the cash, some cash doesn't get deposited. So what happens? Sorry. So like it would get like sometimes sometimes I'll spend it when I go out like tips, like I'll use cash for like tipping and stuff. But it's like, I don't know. I'm just still adjusting to like the one job and everything. So it's hard to like.

Base my income. Because you remember that second job I ended at the end of December. So I've only been working the one job for two months now. Yeah, but I'm trying to figure out what you make from that job. Well, I don't have a set number.

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I don't have a set number. No, it's not a set number and like a salary. It's like on average. But you said you don't know after you gave me such a confident answer. Like I would say that's about an average. But like you would say. Yeah. Like based on what? Okay. So I would say that you don't look.

You said something. You said, like, I don't look or I don't know. So then, like, which one am I believing? You don't know or you that you're confident about the average? And, like, what am I listening to, you know? What am I basing the rest of this conversation off of, dude? I'm just saying, like, I struggle with keeping track of, like, what I make sometimes. Because it's like, I don't like. So which one did I fucking track?

Okay. Okay. Download the Simpler Budget app. Like literally every guest that gets to come on the show and like close to 100,000 people from the audience. Download it. You get premium for free. They get a free couple week trial to make sure it's worth it. Actually, and then you're going to do this.

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When you come on the Founder's Edition, use that. It's a simpler budget Founder's Edition notebook. We're almost done with them. But usually for anyone that gets an annual version of the membership, I sign that and send it out to them. But as a guest, I need you to journal your debt payoff journey. And then when you come back on the follow-up channel, you need to show. Use this. Automatic account connections. You will see what you're making on a monthly basis. You can average it out easily. Yeah, I need to do that. It's all automated.

I know, but it's like, it's so hard when you just like, I feel like I just got like consumed with so many bills that it was just like, I was just like. Bills? You said he would drop an extra like $200 needed here and there, which with your income situation does not make a break. I mean, I'm looking at this Apple card. $3,081.55. Mm-hmm.

Was that all from him missing rent? No, no, that's all me. I won't. I won't. Then why did we talk all about that at the beginning? Because I care about your finances. And if the first debt we're looking at is a substantial credit card debt and it's all you, then why? OK, sorry, I'm trying not to get too trigger. Then why do I care about all that stuff you gave me at the beginning that set you up to be like this damsel in distress?

Like, why do I care about that? I don't. I care about the fact that you have $3,081 on this credit card and you say it is you. So what is this? I feel like it was just like, it was just like a slow decline. Like I was really, really good with my credit cards at first. Like what's that first? Like the first.

Probably about two years, like from 18 to almost 20. Two years and then one more year from there. That's three years. Three years of the entire lifetime of a human is not that much. It's not a substantial percentage. No, but it's the whole time I've had my credit. I know, but that doesn't really matter. I care more. Three years in a life is not that much. Two years in a life is definitely not that much. One year in a life is really not that much.

that much if we're looking at the overall life if you're doing something for a decade that's where it's like okay this is established down and deep in someone's life but okay whatever okay so you're good for two years doesn't really mean anything when we're talking about three years well like i had but i had like a 750 credit score like when i was like 19 yeah i'm sure oh when you were 19 like almost 20 about that but i don't care about that well i care about where we are

But I care about where we are. Yeah. But I'm like, that was like I was trying to set myself up. And then the whole reason that X was a part of it was because, like, I feel like I was on track until we started living together. And then I just feel like I got so behind on all of that. And I'm not saying like you said you needed a couple hundred here and there that again, you're pushing it to him again. So what? Why living with him got you to here when you said this was you?

Well, it's yeah, you're gonna have to make sense of it because right now it doesn't. I just feel like because I was primarily taking care of like most of the bills. Like I know like that doesn't necessarily reflect it. But like you'll see like I had all the bills on autopay and like that wasn't included in the rent. Like our phone bill, our Internet, our electricity. Yeah, we were both on the same phone bill and it was in his name. Not anymore. Oh, well, it was in his name. Yeah, but I paid for it.

Yeah, but if you didn't, I mean, you would have lost coverage, but it wouldn't have gone to your collections. You could have just started your own phone bill. Not that you should have, but I'm just saying there's a little less risk attached to it. Well, that was when we were together. But you just told me this credit card was you. Yeah. Well, I'm not saying... You are not saying that with what you are saying right now. Well, yeah, that is. Because, like, okay, so...

What are you trying to say there? Clearly I'm not understanding it for some reason. So I was using my Apple card as like my everyday spending and it wasn't a problem because I had my bills like steady. You couldn't afford your bills when extra things pop up. Do your everyday spending. No, but I mean, there's. Well, there we go. These were choices that you were making. But there's still things that like, you know, like I needed and like. Needed? Well. Let's see.

Probably. Okay. Maybe not the Apple one as much. Let's see. Okay. Oh, there's actually a lot of purchases on here. Yeah. Great. I love seeing a credit card that is thousands of dollars with a huge minimum payment, $113 and 19 years old is pretty intense. Oh, it's a ton of purchases when interest is occurring. Yeah. Yeah. In what world does that make sense to be doing these purchases? It's.

It's just so easy with the Apple card. It is easy. And that's why you need to remove it because you're obviously not a credit card person. You can't use that. Look where you are. I don't... Did you just grab your Celsius and put it down? A little fidget Celsius? A little smash on the table. No, I just... Okay. I just...

I don't know. I just think I need to get everything back aligned and then I can be okay with them. But look where you are. But I care about what got you here in the first place. What you're doing now, that's going to continue down a worse path. I know. Honestly, it was around a pretty similar time that my debt got really bad. Like 18, I opened a stupid guitar center credit card. But my credit card debt, student loans, private student loans, car debt, didn't get bad until like 2021, 22. Yeah. So you can get worse. Yeah.

And you're headed there, and that's what makes me really nervous is you're headed down a dangerous path, and you're doing nothing at all to correct it. I mean, look at the spending in here. You went to The Pitch. You went to Starbucks. You went to Starbucks, Dunkin' Mobile, Chipotle, Ross Stores, Starbucks, Ross Stores. This is the first card out of how much debt do you have? A lot. How much debt do you have?

Total between credit cards. How much debt do you have? Probably like $50,000. $80,000. So beyond substantially more than you just thought you had, which is insane. That's insane. It's $30,000 more than you. You didn't even know about $30,000 of the debt you have. Of the debt you have, you did not know about almost 40% of it. 40% of it you didn't even know you had. And then you're going raw stores and broken glass smoke shop.

What kind of cancer are we getting today? What's smoke shopped? What are you getting? Vapes. Yeah, I'm sure. Yeah, that lines up with your aesthetic.

Mm. Waters car wash. You live in Florida. What are you washing off? The hurricane? You don't have salt. You don't have dust. What the fuck are you doing? You're probably just washing off all your stuff. There's like a lot of sand. And are you always at the beach? Not always, but I'm good because you should be working and paying off your debt. I do work a lot. I work like five, six days. How many hours a week do you work? Anywhere from like 40 to 50. Yeah. I mean, you're making a good income again. What I'm saying is you probably don't even be spending for a car wash.

On a credit card that is green interest that is at a huge balance when we have $80,000 of debt when we thought we had 50. Yeah. Okay. Okay. Dunkin' Mobile. Dunkin' Mobile. Mobile. Oh, good. It's a fourth. Dunkin' Mobile. Amazon. And then you went into the store and got some bowl.

Then there's actually some necessities in here. Chiropractic, you know, intermiss depending on if you think that's a necessity. But there's gas, dollar store. You know, whether or not I'm going to call that out, usually no. But even still, even if this is gas and the tractor supply is necessary and lots of chiropractic, are you broken? Like whatever is happening in the pharmacy, it's like, okay, maybe we need those. But guess what? On a credit card that is a green card.

and you don't even know your debt situation or your income situation. That is terrifying. And, and, and, just a kind little f*** you, because you, again, set this up as, oh, I had to send extra money because he wasn't taking care of bills, but my daily spending had to keep happening, so I put it on our credit card. Guess what?

You didn't live with him during this statement in any way whatsoever. And it had nothing to do with him not paying his bills. You didn't live with him. And yet you were still choosing to do all of this. So again, your entire preemptive story of making you the damsel in distress that is being guarded by a dragon that the ogre man himself needs to go get. That's not you. That's not you. It is. I mean, it

is it you didn't live with him during this and this is still you're spending on a card that is obliterating obliterating your financial position at 21 years old i i i get it but like at the same time like there was like that i oh lindsey the team master herself the team master herself is like and now she's spending you spending a lot of money on your nails now that you got broken up

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

Cause you couldn't afford living on your own, but we're going in and we're just destroying it with Duncan and Starbucks every day. Come on. I mean, this is what we're doing, but I mean, you are not the victim in this and not, no, but like, Oh, come on. But you set your entire self up as no, not, not necessarily, but like, I feel like if it wasn't for all that, I wouldn't have gotten this deep into the situation. It doesn't make sense. You literally are spending, you are literally spending on a credit card that is not going down balance. That is a green interest.

Shut the fuck up. That's impossible. That, listen, there may have been things that sucked in that situation, especially financially. All of this spending is after you guys broke up and did not live together. Yeah, but... So you're lying. You're trying to just fucking look good. No, it's...

No. Okay, so I agree that that wasn't all necessity spending. Yeah, I told you the ones that were necessity spending. Either way, should it be done on a credit card? No, but like... But half of it was bullshit.

Half of it was bullshit. When I have like payments and stuff coming out of my account all the time, then it's like. Payments. What payments? You're adding yourself more payments because you have so much debt. You have $80,000 in debt. You thought you had $50,000. No, you have minimum payments that you're not aware of. Yeah. Of course. Money is just getting taken out of your account. That's what happens when you're not aware of your financial position. It just changed so fast that it was like really hard to keep up with the changes of it. Honestly. Well, like I moved three times last year.

Yeah, I don't see why in the middle of January to the middle of February that means we're spending our money at Starbucks and Dunkin'. Things have changed. I better go to Starbucks and Dunkin' every day and get my nails done every second of my life. Well, this is pretty f***ing exciting for the world of financial audit. Something big, Marv. Nearly 60,000 of you have downloaded my budgeting app, Simpler Budget, in just a few weeks of its launch. And let me tell you, we've heard a

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What the fuck are you talking about? That is not going to get you out of that. It was like, it was my coping. I mean, I'd just gotten out of a breakup with somebody I was with for three years. Yeah, that sucks. That sucks. And I'm living with my mom. So it's like, you know, like, that's kind of my freedom. Yeah, but you didn't have to. You make enough money where you could have gotten an apartment. Not really. I don't have enough money saved. Like, it wouldn't have made sense. Well, you don't have enough money saved because you blow all your money every second of your life.

And you have minimum payments that you don't even know because you just rack up all this debt. Like, no. I mean, that lines up perfectly. It's fully understood. Look where you've gotten yourself. And you're allowing this at 21. Yeah. And when you push back on it, you brag about how good you were at 19. I don't care about 19. You're 21 now. I don't give a shit about what I did at 22. I don't give a shit what you did at 19. Who gives a you are where you are now.

Deal with it. Yeah, that's what I'm trying to do. No, you're not. Because what you're doing right now, which is the only time that matters, is blowing it all. I...

I feel like I'm not getting that through to you. I feel like, to be fair, I do feel like this is my worst one. I feel like that's why it looks so bad off the surface. Worst one. Lady, this is $3,000 and we have a total debt pile of $80,000. Like, that's... Like, shut the fuck up. It's the one with the most random purchases. But I feel like once you, like, see all the other ones... What, are the other ones strategically dumb? Yeah. Well, they made more sense at this time. Yeah. A little slip there. A little slip of reality.

Listen, you're not a credit card person. This is too dangerous for you to have access to these amounts to spend. You can use the Fizz card like many of the guests and audience. That's what I will allow you to use because it only lets you spend what's in your checking account, like a debit card. There you go. But you're not f***ing using... You've got to remove this from your Apple wallet now. But how does that even work? How does what work? I know you can just remove it, but doesn't it report on your credit that you closed the account? I didn't say close your account.

You can just remove the card? You should be able to remove it from your wallet, if I'm not mistaken. Then how do you pay it if it's not, like, on there? Because it's, like... Remove it from a default in terms of, like, if you're going and tapping to pay, though. Yeah, but then it would just be another credit card that's on there. Yes, but you wouldn't just be instinctive. You said the reason why this is so hard is because it's available right there for you to just spend. Yeah. So make it harder for you to spend. Yeah, but...

But I mean, it's... So you met this dude like in high school? Yeah, like after I graduated. Yeah. Jeez. Yeah, that's f***ed up. And you find yourself in a new position that you haven't in adulthood. Yeah. So you've been an adult for three years, but you guys have been together that entire time. So that's definitely interesting. That's... Yeah. I feel like that's a lot of why it...

No. No. Shut the fuck up with that. Listen, it's why today might be a struggle and figuring things out might be a struggle. But it is not why you're here. It is not why your spending was like that in this most recent month. Don't pull that. That is not true. That is not fucking true. But I will say the chiropractor, that was from him. That was... I canceled that, though. He broke you? No.

No, no. Like I was paying for his chiropractor. Like why? I was paying for everything. That's what I'm saying. Why were you? That doesn't make sense. I don't know. The month of January, you guys were broken up and didn't live together. Yeah. I had to. And he literally cheated on you. I know. Cause it was on auto pay and I didn't realize. Oh,

So, I mean, I canceled it now. Okay, well, chiropractic was quite a minimum compared to all the purchases in there, by the way. But even still, it is stupid. Yeah. But, you know, so it's just, like, little things like that that would add up. I think just, like, because I was making, like, more. You still make great money. You make more than a lot of college graduates or people that didn't go to college as well. Yeah, but because, like, I was used to a certain income. Yeah.

And then like I was spending on that. You have to adjust. Again, this is why you use the fucking budgeting app. It's ridiculous. Like people are incapable of adjusting. I really don't understand. I mean, you literally lost $81.55 in interest in one month alone just on this card. Yet you're still spending on it. It is at a 26.4% interest rate. That's crazy. And yet you still, you still purchase on it. Yeah. Like it's nothing.

To get the nails done. Show the camera your nails. Let's see. Are they special? They were only $70. Are you kidding me? Only $70? Are you kidding me? Do you not understand the value of a dollar? $70 is substantial. It is. Do you know how many McDoubles $70 is? I don't know how much a McDouble is. Probably like 50 McDoubles. But they last me like almost a month. So do 50 McDoubles. Yeah, but they're not going to last.

You have to work those off. Yeah. But these, they add value. Yeah, but you got to work for the money that you paid to get them. Yeah, but I enjoy them. And you got to work them off. It's like the one thing I do. No, listen, I get it too, but like get fucking press on nails or something. I tried that. They don't last. And I work in the restaurant industry, so I can't have like press on nails like flying off. Listen, all I'm saying is it really comes to as simple as you cannot afford that. Literally, $81.55 an interest on one of the debts alone, $3,000 of the $80,000. This costs more than that.

And it's because you refuse to actually sacrifice things, sacrifice things to get out of this debt and cut back your spending. I think it helps me like in a way, like, I don't know what I think. Like, I think if like, I feel more confident with my nails are done. And then I think people like, I think it just like looks more presentable. I think people tip better. So,

So I think I make my money back. I know there's definitely tips based on looks for sure. Yeah. But you are a very conventionally attractive person. You are. Congratulations. You won that lottery pool. Like, well done. But I don't want to have little boy hands. I don't think it's the nails that's going to do it. It helps. Nobody wants like nasty fingernails holding their food and stuff. Why would your fingernails be nasty? Those fingernails will be nasty too if they're not. You can do press-ons more frequently. You can also paint your nails. You can also just get natural nails.

Either way, that's not even the point. I'm just saying you couldn't afford it. And literally because you are more willing to spend money on stuff like that, you are losing more than it costs to even put those on an interest alone on one of a minority of your debt of the $80,000. It is a simple mathematical thing that I am not anti-nail. I don't give a – in fact, I am pro. Again, the backscratches. Everyone loves them. I am pro these things.

This makes no sense for your situation. It's as easy as that. I don't know. It's just a stupid minor thing to defend. I don't get it. I think I don't know. I just I stopped getting them done for the longest. Like when I moved into my first apartment and like I feel like I don't know, like because I made that sacrifice so that like we could afford like kind of to build our life together. So like I feel like I kind of just like needed to do that for me. You know what I mean?

No. Because it was something I stopped doing for myself when I was with him, so I feel like it was important for me to get that back. I know I still have to pay off my- Do you see a therapist? That's kind of- Like-

What? It's about like taking care of me. Like reprioritizing myself. I want self-care but there's lots of versions of self-care. Yeah. And again if it's something you can't afford you're putting yourself in a worse position. What kind of self-care are you getting into if you're going to have to sacrifice for years to pay off debt? What kind of self-care are you going to be into if your parents are no longer there you can't move in with them and you don't have a savings account just like you didn't have a savings account and you couldn't move into your own place. Like your parents

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It's like, I feel like I'm just trying to take it day by day. Like,

Yeah, but you have to have a plan, an overarching plan. We all take the days day by day, but you need to incorporate your strategy of living into the overall plan you have. And if you don't have a fully concrete plan right now, that's okay. That's okay. You're 21. That's usually where we're kind of up and we're figuring things out. But this is the corrective moment. And defending something as stupid as just that is pointless. And trying to make yourself look like the damsel in distress is pointless.

When what we could be doing is taking responsibility for the spending we have now that is preventing us to get to that future place. So what goals do you have? Do you have goals? Yeah. What? What do we have? I want my own place. Your own place. So moving back into an apartment. Yeah. Well, I mean, hopefully I want to own a house one day, but I need to get somewhere first. But like my mom's, like her lease ends in August. So like.

And she's planning on moving like across the state. And I'm not really trying to like uproot my whole life and everything. Why is she moving so far? Well, like her boyfriend works across the state. Oh, so what are you going to do? So you need it in place by then. Yeah, I need like, I need to figure it out. Then how possibly is spending all this money on bullshit priority right now? When obviously you need to start saving up to put a security deposit down first month, last month, whatever you need. Well, out of place, how is that the priority? Yeah.

That makes f***ing sense. That's a critical timeline. Yeah, but I think I was just excited to have a little bit of freedom after not having to pay rent for the first time in a while. What freedom? You live with your f***ing mom and you do pay rent. Financial freedom. But you pay rent. Financial 19. Is any of that even f***ing student loans? No. That's horrendous. People at 21, 22, 23 getting out of college, like $40,000 in student loans. That's what a lot of people get. That's like the average, right?

even have student loans you may have double the amount of debt that's insane that is insane

Damsel in distress. Are you hoping someone just comes and rescues you? Is that why you set that up in the beginning like that? No. I'm trying to figure it out for myself. You're trying to figure it out, yet you spent all that. Okay, let's move on because that's so... Listen, I just don't like how you framed your situation so far. I really don't. I just think you'll see it more. I also think this was also... See what more? This is like the aftermath. This was after everything already got badly. Yes, it is the actions you are doing afterwards.

The actions you, that was your spending. He didn't do any of that except for the chiropractic. He did not do any of that. So what are you talking about? Well, that's, I don't know. That's why I need your help. Like I need you to help. I'm trying your fight. Okay. Listen, for what it's worth, I'm going to break the fourth wall here to the audience. So shut the up for a second. Sorry. Uh, for what it's worth, a lot of people come on the show. Everyone's from the audience these days. Uh,

Like literally 100% of the guests at this point are from the audience. And people are not used to being in front of the camera. So there is just a natural defense mechanism that kicks in. But for sake, I am trying to get to that point where we are helping. We get, you just have to be reasonable and not try to set yourself to look good.

You gotta let go of some of that. Let go of some of the ego. It wasn't all his fault. He's a cheater. He's a piece of s***. But the entire thing doesn't revolve around the fact that he, like, $100 went here and there. Look at the spending we saw in just that month. That was your fault. Look, you all know I love calling people out on their financial train wrecks.

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So discover it. $2,206.21 with a $62 a month minimum monthly payment. Again, these minimum monthly payments are stacking up quick for just $21. And so are the debt amounts. And these are credit cards. $41.72 of interest accruing. Look at that! See, your barrels went up for $19,020 to $2,206. Your barrels went up because you purchased $600 of shit.

Why are you purchasing more than you're putting on the card that is accruing an interest that you cannot pay off? How long does this take to pay off minimum monthly payments only if you don't purchase anything which you're incapable of? How long? How possibly a little long? It was like eight years. Nine years. So you'll be 30. Yeah. You'll be entering your 30s and then boom, finally one of the credit cards is gone. Like one of our smallest debts is gone. Yeah. Nine years. That one, like just like a lot of my bills are on auto pay on that one. So like that's.

Oh, you mean your other bills? Like your subscription? Also, you bragged about your $7.50 a couple years ago. You're at $6.50 now, Chris. Yeah, well, yeah. Yeah, Dunkin' Donuts, that classic auto pay. Dunkin' Donuts, another classic auto pay. People looker, who the f*** are you creeping on? Oh my gosh. Who are you creeping on? That was, I also, I also canceled that. Who are you creeping on? Who do you think?

Was it the ex? Yeah. Like I was like trying to like, what were you trying to find? Well, like, I don't remember. It was like trying to see like if they were on a dating site or something. Would it tell you? I don't know. Like you had to like Madison.

No. You think it's out there, like, divorced moms? No. Like, just, like. I'm assuming that's what Ashley Madison is. Just, like, anywhere, like, his profile is. I don't know. Like, I'm pretty sure that one. Did you find anything? It said that, like, him and his family were, like, flagged, like, by the government. Flagged by what? Like, they were on, like, a watch list, but it didn't give me any other information. Did he enter the country illegally or something? No, he's a legal citizen.

As far as I know, unless he lied about that, too. But I don't really know. But I actually had to. I canceled that card because you canceled this card. What does that mean? You canceled this card. So like when you close the account. Well, I didn't like close it, but I canceled the card and like didn't order. What does that mean? You canceled the card because like I have like that one, like the people looker thing. I couldn't like.

I have no idea where it was from. It was like a random site. So I can't figure out how to like cancel the charge, if that makes sense. It's probably from People Looker. Well, yeah, but I don't know like where that was. Like, I don't. Anyways, there was a few other things on there, too. Like our old phone or no, our Internet connection.

That was also his account that, like, he didn't close. So, like, I had to cancel the card because... I see you going into a gas station getting some bullshit. Going into a gas station getting some bullshit. Yeah, another classic subscription. Oh, here's another subscription. Broken Glass Smoke Shop. How much do you vape? Are you going to just be tweaking by the end of this because you're not having a puff? You're buying so much already on just two cards.

Now, people look are there again. Well, come on. That's what I'm saying. Who the fuck are you stalking? Starbucks? No, it was literally just. Jersey Mike's going in and getting some bulls**t from the gas station. Wait, when? I normally don't do that. I mean, $9. You're getting $9 in gas? Jersey Mike's, you said? Oh, yeah. Jersey Mike's. Jersey Mike's is a sub place. Yes. Yeah. Yes. Yeah. Okay. But it's not a gas station.

No, the one after that is. Oh, it was nine bucks? Yes. I don't know what that was. It might have been gas. But you've done it multiple times in one month. You did it like three times, this statement so far. I think because that one had a... Oh, apparently you're a pothead too, I just learned. Oh, that's nice.

Why is everyone on this show obsessed with destroying their lungs? Why don't you spend nicotine and on a monthly basis? Come on. Probably like two to three.

So almost your rent. Like half your rent. Well, my now rent, I guess. That's crazy. You have to move out forcefully. I know. I've been slowing down. I've definitely been slowing down. That's what literally everyone says on the show. I don't believe it for a single second. No, I'm serious. I don't believe you. Because I was living alone for three years and like my ex would smoke so we would smoke together. But like now I live with my mom. So like out of respect, like I don't really do that around her and stuff. So 20, again, 24.24% interest is insane. Dude.

Do you have any retirement? I doubt it. I have $2,000 in my savings. Just out of college.

$2,000 in savings? Yeah. Why would you have $2,000 in savings when you have a $2,206? $2,000 in savings. Well, it's like a little cushion. Yeah, but at best you're going to get like 4% on it. If it's a one-month emergency fund covering highest deductible, I get it. What's your intention behind it? Well, that's kind of, I guess, what it is. It's like an emergency fund. It was at like $4,000 or $5,000 before. But literally, if you just put it in Mooma or something, you at least get like 8-point-something percent on it.

yeah yeah i definitely actually i think i think if you put a thousand in right now you get like a 16 return on your money with the like dollar reward they also gift you so like i don't understand you're just leaving okay okay but like it would just be like scary to have nothing in my account no i agree and i wouldn't suggest that this is probably a better use 24.24 percent interest yep okay so you're just endlessly blazing it up

But you stop. You slow down because of mom. Meaning when you move back out, you're going just as hard again. Well, hopefully I'll stop before then. Why don't you? I mean, I've tried, but it's not easy. Especially like, I feel like... There we go. Someone's admitting to the reality that we are finding out more and more these days. Yeah. We are not... I definitely won't lie about that. Not addictive like everyone has thought. No, it definitely is. And same with like, obviously nicotine is very addictive, but...

I don't know. It's just... Especially, like, working in the restaurant industry, it's so, like... I want to be very clear. We've looked at two cards so far. Mm-hmm. They're all your... spending so far. Mm-hmm. Nothing has to do with your... Like, you set up for the first 10, 15 minutes of this entire conversation. Well, to be fair... So...

You. What a manipulative way to open this conversation. Well, because these were the statements the month after we broke up. So there's like nothing in there from him. Yeah, so it doesn't f***ing matter. Because these are your actions. Yeah, but I'm still trying to... So it literally doesn't even matter. That makes your opening even worse. I asked what is going on and you talk about how all that s*** you. Where when I'm looking at your statements right now, it is literally after you guys broke up of you f***ing you. Well, I didn't have like... I don't know.

I'm still trying to figure out like a new way of doing things. I just like I was in such a like a I was so used to putting everything on a credit card because I didn't have like the money. So like now I'm trying to like figure out how to balance like paying off more on the credit cards while like like not like I don't want to spend all my money. I know I have to budget like I know what you're thinking, but I don't I don't want to like spend all my cash so that I can't make my payments on my cards and stuff if that makes sense.

You're spending on your credit cards. I know. What the f*** are you talking about? If you just did it in your necessities, that wouldn't be... What the f*** cope is that? What the f*** cope? It just, it doesn't seem like... Alright, Capital One Quicksilver. Shut the... That's stupid. $1,965.80 with a $72 minimum payment. That's $1,078 of purchases. That is f***ing stupid. With $52.93 of interest. Yeah. What the

Possibly. So that was... 12 years to pay off, by the way, without purchasing on it, which you are incapable of. So what possibly? Why?

so you literally oh my oh my the balance went up from 1700 to 1965 because you paid more than the minimum but you purchased more than you put on anyway so it's just so stupid well see and that's what i mean like that's like the loop that i got my like that's the loop i got myself your loop is dunkin donuts starbucks vaping and loop loop what are you talking about loop is when someone's in a payday loan cycle and i can't get out of your dunkin

and weed and Starbucks and vapes. No, you don't get to use that excuse. That is an incorrect statement. Okay, let's see what this $1,000 is. Are they going to be loop spending? Let's find out. Are they going to be loop spending?

Let's find out. Okay. It's endless storage and new hauls and storage. So this one might be the actual first one related to what you opened with. It might actually be the first one. Like 45 minutes in. Finally. Finally. And guess what? It is your lowest balance card. Yeah. So...

Okay, so this- So finally, one thing. Like, this one I opened, and I think I had started paying- Verizon, $259. Yeah, that was our payment. That was our phone payment. Why would you do that when there's services like Helium for $15 a month? I don't get it. Well, it was, like, before we got into the house when- Why do people spend that much on phone bills? I don't know. It was, like, his phone plan. So that was the thing. Like, it was his phone plan, and, like-

He was a man child. Yeah. He was a literal man child. Yeah, I'm calling him in the post show. It's confirmed. It's happening. There's no way I'm not. Oh my gosh. He's a fucking baby. I also want to hear his side of the story. I just like, it was like, he would never like, he couldn't set up his stuff on autopay. If you guys separated correctly.

What do you mean? You guys don't go back to each other, do you? No. He lives at his... I know that happens a lot, especially in younger relationships. He lives at his mom's. I live at my mom's. I just don't want...

I just want clean separation here with how intertwined you guys were. I just don't want this to get messier. This is insane. Allergy and asthma care? Yeah, so... Lots of U-Hauls. You'd think you're a lesbian. This is crazy. No. This is so crazy. That's what I'm saying. There's lots of storage as well. Like, because... You didn't have storage at your mom's house? No, so she... Okay, so... He sent you flowers for Valentine's Day? Yeah. Lindsay, you tea goddess. What?

What the fuck? So is he attempting? Yeah. Is he attempting? He's attempted. Never get back with a cheater. We don't give cheaters. Yeah, I know that. You're not considering, are you? No, no. It's just like, it's, I don't know. It's been weird. What? No, tell me. Well, I like, I've seen him a few times and like, we've talked. Why? What's he? Well, like, we still had a lot of things to figure out. He had his motorcycle in my storage unit and like, he has a lot of his stuff in my storage unit. So I guess we didn't separate. I'm going to ask a very middle school question.

You guys haven't like even like kissed or anything, right? No. Okay, good. Okay. So, okay. So it sounds pretty dead to me. Sounds pretty dead. You've met up for more like business. Yeah. Okay, good. But it's like, I don't know. Just don't just, just, this is literally just out of like care for you from me, not finances like cheaters.

Yeah. Especially if they couldn't even agree that they were cheating. I know. And if you're going to open the relationship on both sides, like that's one thing that's agreed and consensual, but just going behind someone's back. No. Yeah. Um, either break up or you bring up the topic, you know, just go to other people, which I don't know if he did, but, um,

Well, he says he didn't, but, you know, he denies, denies, denies. But, yeah, so it's a lot of this stuff for the storage. Like, he somehow, his mom lives five minutes from my mom. So, like, when we moved everything, like, all of our stuff ended up in storage together. And then, like, I don't know. I just, I somehow just ended up taking care of everything. Because he didn't really know we were separating. Yeah.

So I was trying to like, he didn't know what he mean. He said he broke up like four times. Yeah. Well, like he's a little like he's a little impulsive or like what's the word? Like, yeah, like a little impulsive. So like me too. But I know when someone breaks up with me. Yeah. But like that's what I broke up with him once before and he wouldn't leave. So like that's not being impulsive. That's him being either a moron or a weirdo. Yeah. Well, no, but either way. So like.

And then I left for, so like we ended our lease December 31st. And so like, and like I said earlier, we decided like two weeks before that we were going to end the lease. And then, so like, it was kind of like a panic move with like getting everything to storage and like the U-Haul and everything. We had to extend the U-Haul like two, three days. Cause like we moved like 50 minutes away from where we were living. So like, but. Okay. Yeah. Okay. Okay.

Listen, I mean, we're a few thousand hours in. There has to be something chunky somewhere that this is going to get to. Here's something chunky. There's something chunky.

30,000. This has to be a car. Roadrunner. 30,000. Okay, what is this? What is this? So it's a, I believe, 2023 Polaris Slingshot. What the fuck are you getting? A 2023 car? What the fuck? I didn't even get something remotely within the year of the car, the year we were living in until I was in my late 20s. What the fuck are you doing? Why do you need a 2023? This is crazy. $30,773.90 with a

payment this is wild 560 dollars and 78 cents yeah that is crazy what's the interest on this what is possibly the interest on this very high it's like what teen or 14 huh say it again 13 or 14 no why why do you need this why do you possibly need this right now okay so i didn't so i got this like a year ago now

So let me explain. Let me explain. There's a story behind this. So this is when me and my ex were at our first apartment. Oh, it comes back to the ex. Who would have thought, guys? Listen, it makes sense. So we were both working full time at the time. I was making actually way better money at the same job that I'm at now at the time. Why? Has it slowed down? No, they cut my pay. You said you went up from like 14 to 15 or 13 to 14. Yeah, but a year ago they cut my pay.

From what to what? From like 19 to 13. Why? Because they had new owners take over and they were doing a lot of it like illegally. Like half of it was in cash and half of it was on the books. Do they... And then they're still your boss? Yeah. Yeah. You just said that on the internet. Yeah. Oh, well. Oh. Well. Go on. Well, I wouldn't say where I work. Yeah, and you're using a fake name, but yeah, go on. Go, go. But...

Anyways, so it's just like that was a big adjustment. But anyways, so we were trying to like passive income. So he had him and his friend had gotten a car that they were going to put up on Turo as like a rental car. And so that was the idea behind this car was it was supposed to be for passive income. Passive income. A depreciating asset for passive income. Guys, this is the greatest idea in the history of humanity. Listen. The fuck?

listen like i'm listening i understand it is a depreciating asset but like yeah but there's other passive income like appreciating assets like real estate yeah yeah but like yeah yeah that's true we'll put you through the real estate class so you at least understand it yeah learn the things i did that would help but um yeah so i mean but obviously like it's a spider

It's one of those? Yeah. Like, one of those three-wheel fucking, like... Yeah, so it's, like, an exotic, like, um... Like the fucking... Yeah. The people that, like, the weird six-year-olds drive around blasting music. So, I don't know. Like, he had done a lot of research on, like, how much, like, that car in specific can make and everything. And, like, it really, like, it made sense, like... Does it make sense? Well, it did at the time. Okay, I'm gonna have you define this for me. Now...

Now, maybe not as much, but like here's a little arts and crafts for you. Have you go ahead and go ahead. Explain your business plan to me. Give me nice. Give me a nice chart. Well, because. Oh, no, that's incorrect. You're going to do that. What do you mean? What kind of chart? Whatever you need to do to try to walk me through your business plan here. I got you Crayolas and a nice little cutty, cutty scissors. Well, do like for real.

What do you want me to draw? Can I just explain it? No, I want you to visualize it. What do you mean? Okay. Your business plan. Any color? How would you make money on it? Okay. I want you to walk me through from the very start through every phase. Give me a nice little flow chart, arrows and everything. How do you make money? How does the math work out? How would your profits make profits for expenses? Everything. Go ahead. Any colors you want. You got some scissors.

Go ahead. I don't. Go ahead. This feels silly. It is silly because you have a silly f***ing plan. Well, yeah. So I have a minimum like $560 a month payment. Oh my gosh. Yeah, make it into art. What do you mean? Well, put it on the refrigerator. Okay, so what? Like $560 a month? Okay, $560 a month what? For that. For my payment. That's your payment. Mark it. Okay. What do you mean market? Like payment? Say it's a payment. Okay. Okay. Okay.

And then, like, when I did research, the car can rent out from, like, anywhere from, like, $60 to $90 a day. Okay. And then they have... Draw your business plan. Okay, okay. So, what? $60 to $90 a day. Okay. I also... Okay. I also did this math a long time ago because, like, anyways. But...

$60 to $90 a day for the lifetime of the entire car? Yeah. Or will it go down as the car gets older and there are newer cars on the tour of market? It will go down. Oh, that's interesting. Yet, conveniently, your interest rate and minimum monthly payment stays the same. Right. As also the value of the resale of your car goes down. Yeah. Please continue. No, that's okay.

No, continue. Well, okay. So. Talking to the mic as well. But like, I mean, if I can rent it out, at least. If you can, that's a good if. But I'm in a good spot. Good spot. Near an airport. I don't think so. Yeah. Oh, physically. Like to rent it. Sure. So it's been a year. Go on. What has happened? Show me. Okay. Show me. There's another thing. Show me. Different colors. Show me what was the reality. What do you mean? So we have. Okay. So reality. The blue was your hope. Mm-hmm.

Pink is reality. Okay. So my reality was I got the car like, what, eight months ago, I guess. You can't list on Turo until you're 21. And I just turned 21 in December. You did a deep dive research and you were...

smart enough to not look at the minimum requirements necessary for the thing you wanted to do? To be fair, I was in the process of listing the car with them. I don't think I'm going to give you a to be fair for missing an age requirement. No, I was in the process of listing it for a while and that was the very last thing that they said to me. They didn't even ask my age in there. As you research something, you usually learn what you have to be to qualify for it. That's what I do when I research if I want to do something.

Yeah, I just, I guess I didn't really realize that would be. Okay, so when did you turn 21? December. Good. So it's been a couple months. Two months, yeah. What's happened? Well. In the pink new reality, show me what's happened. Oh my gosh. Go on. I want to follow your business plan here. Please tell me. So there was a few. Oh, so the business plan is. So that's what's happened. So in reality, this. There we go.

There's your grand thing that you're spending $560 a month. Why the did you hold on to this car and not sell it? I don't know. I guess just I was like, I know it's going to sound scared. Yeah. Because I know I'm obviously going to be at a loss. So it's like, yeah. So make your loss worse then.

What? Well, I'm hoping I can get to the point where it actually makes money. You're not on there yet, and you've been 21 for almost three months. Yeah, but I've been dealing with a lot of other stuff, like readjusting to the new work schedule and living with my mom. Oh, for f***'s sake. What excuses. Are people incapable of doing things in life these days? My gosh. The amount of stuff that literally all of us go through. I...

Breakups, moves, readjustings, new jobs, firings, hirings, whatever the f*** it might be. We all do what is required and you have this stupid f***ing thing and you are doing nothing with it? Well, I drive it. Like, it's not like just sitting there. You drive it. This is your daily driver. Not my daily driver.

Then why the f*** are you driving it and putting wear and tear on it? Well, like, you have to run it. Otherwise, it's going to, like... I guess. But how often are you driving it? Like, once a week. To keep it, like, in good shape and everything. But not, like... I'm not, like, taking it on joyrides or anything. Just, like, keeping it in good maintenance. But...

Anyways, so like I guess the thought behind it was again, this is when I understood the thought you drew it out. It was guess what? It was when I was with my ex. So I guess the thought was that like maybe you wouldn't like or maybe I wouldn't make all the money back. But like if I'm also using it and the time that it's not being rented out, then like you're kind of getting double value. And how did that work?

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the free money because I'll punch you. Well, obviously. There we go. So I don't give a fuck what you thought. What you thought was dumb. Don't do it again. This is so stupid. Well, I'm just explaining how we got here. That's just how we got here. All right. I wouldn't make that same choice now inherently. I don't know about that. Is this a different car? Yeah. Is this a different car loan? That's my daily. So I got that one first and then I got the other one. When did you get this? I got that one when I was 19. 172 more.

2023 Hyundai, which was a new car at that time, 19? A brand new car at 19? What the f*** are you? That's the dumbest thing I've ever heard in my life. I mean, I've kept it in really good shape. I don't give a f***. It's dumb. It is a 72-month f***ing...

$77 a month payment? That's crazy. Your minimum monthly payments are disgusting. $27,074 loan and your pay goes up and down and up and down is dependent on tips. And it is owed $17,560. Sorry, that's what it's worth. You owe $27,000. So you're dramatically underwater. What was the value of the spider? Did we have it?

Oh, we can't get the value. Doubt it's worth the 30,000 you owe on it, though. What is the interest on this? It's like, I think, 7%, 7.5%, maybe. So not good. Barely keeping up with the market anyway. And then if you can calculate in the depreciation and the car insurance and all that bull. But to be fair. To be fair. There's going to be a to be fair. Hey, how does this tie to the X? Let's find out. So, no, this isn't. The X made me get this. No, he didn't. So this is. So I had before this, I had a Jeep Renegade. And so it was financed in my dad's name.

Okay. Like my dad, it was my dad's loan, but I paid for it. If that makes sense. Like I paid him for the loan, but it was in his name. Okay. And it was my car. So I traded that in. And so I was having a lot of issues with it. Like there was like oil consumption issues and like my engine would shut off. Okay. Did you figure out what was wrong with it? Yeah. Like I went to do a recall test and they said like, it was nothing, but like I kept having the issue. Recall test? Like...

They do like an oil test to like see how much oil leaks and like blah blah blah. But they said it didn't leak enough. Maybe it was something else then. Well, like maybe, but then like my engine started slipping and whatnot. So... Transmission? Yeah, yeah, the transmission. That's what I meant. I'm sorry. Oh, I'm not a car person. Well, okay, so... Says the lady with 57,000 hours in car loans at 21. Well... One of them being a stupid spider that only... It's a fun car. Yeah.

Yeah, but it's always divorced dads. I guess I'm a divorced dad. At least in Austin. Then they just drive around. You're having a nice little sip of coffee outside at like a bakery or something. Then they drive by with really loud music and neon lights hoping everyone stares at them because that's the most attention they'll ever get in their entire life. That's what the people who drive this car are. Mine's discreet. It's all black. But...

um okay so the renegade um so it was like it was giving me a lot it was giving me a lot of issues and like yeah and you couldn't figure out why well yeah and why you wouldn't take it somewhere so like my well like my dad used to help me with all my car stuff and then like i didn't like my dad anymore and he wasn't able to he used to be but like now he does like other work but so anyways it just got like hard to like have him do that and it got like obviously expensive to a mechanic

Yeah, but I like, okay, I still owed like $13,000 on this car. Well, your dad did, but yeah. Well, yeah, but like, so it was like a lot of issues for a car that like. But you find out what the issue is and whatever the issue is and what the repair cost is, we determine if it's worth it or not at that point. That doesn't mean we go get a $35,000 new car and.

At a nearly 8% interest rate with a minimum of the payment we could barely afford at 19 years old. That is the dumbest thing ever. Well, the thought was that like it would cost me less in the long run not having to constantly pay for it.

long run that long run is 72 months at interest in eight percent with a depreciating asset what the fuck are you talking about there's no defensible thing here listen if the expense for a 12 000 hour loan on the car was an additional 12 000 hours i'd be like yeah we're getting rid of that but then we're going and getting the used car that we are getting certified by like multiple mechanics before we purchase it instead you're winning out of 35 000 19 yeah

Objectively stupid. Yeah, but I don't. Yeah, but. I guess I was like, at that time I wasn't like paying rent or anything. So like, I was like, I could afford it. Yeah, but life changes. How did your parents not, did you, did anyone try to talk you out of this? No. Oh my. Oh, geez. You don't have anyone in your corner. That's reasonable. No wonder you talk like the way you do. I didn't like tell them a lot of it. I just kind of did it. Obviously.

But, yeah. Anyways. Well, actually, my dad knew because he signed the Jeep over. But, like, I also didn't really, like, I kind of just...

And the fact that you still think it's okay is moronic. Well, I know that it wasn't. More f***ing ronic. I know it wasn't. More f***ing ronic. Because that means you're going to do it again. You're going to do something just as stupid again. It wasn't the best decision ever, but like. It's the best decision ever. So when you think about with my Jeep, I was paying like, I was paying $350 a month. You don't have one good debt. You don't have one f***ing good debt.

And yes, your minimum payments can be higher on a small loan because you have a shorter term. A 72 month term is not a good thing. It means you are paying interest for longer, meaning you are paying even longer. Well, it wasn't just that my insurance was higher too. My insurance dropped like $200. That part's good. But again, you're still losing more money over time here. Yeah.

Yeah, but like to spend 300. Shut the fuck up. I have a city card. I have a city furnishers card probably to furnish the apartment that our ex-boyfriend forced us to get. Yeah. Oh, there it is. Okay. Well, it's not like forced, but it's like he definitely fully set out that expectation that he would cover his half a step. Facebook marketplace. I did that. What is wrong with you people? You were 20. You were like 19. Yeah.

Furniture. My gosh. I thought that like we were going to actually like buy a house at some point and then we would have our. I make really good money. I'm going to let you know on that fact and I could retire today if I wanted to. It's a very nice position to be in. 80% of the furniture in my house was used. I mean, we had used furniture too. It was really just the couch and our bedroom. $6,546 owed on here. Okay. With the $215.99 minimum fee payment.

That is insane. Even if you're getting a set, you're getting a cheap little bedroom set. Yeah, but it was like a couple thousand. This is six thousand. You didn't. You guys shouldn't have got a huge house. What kind of excuse is that? Listen, you got. Well, twenty four dollars is actually owed.

It is subject to interest rate. $24 is subject to interest rate. I'd pay that off now before that. How is it? Is it like, I don't know. Maybe a purchase $24 on there, but there's the rest is deferred. Yeah. Until 2027. So that's what I'm not paying interest on it. I get that. It's still debt you have. You don't have one good piece of debt. I know, but at least that doesn't. I'm not paying interest on it. You have another one? It was the mattress. A mattress firm. Yeah. You're kidding me, dude.

This is insane. Okay, so this was like another thing. Oh, and you have a Best Buy card that I don't even have? Oh, it's on there? I'll have you pull that up on your phone. Oh, I couldn't. I haven't been able to like get in the app. It's all just like set on auto pay. What's the best? Okay, mattress firm first. Oh my gosh. $827.08. Minimum fee payment $30. Again, this is an interest-free thing right now. A deferred interest though. Mm-hmm.

And only for the next like five months. Yeah. You have to pay this off in five months. The mattress for me? You are not making the minimum payments required in order to pay it off in five months. You're only paying the literal minimum monthly payment. What the f*** are you doing?

Well, yeah. I know I have like 500 left at the end or something like that. You need to pay. Yeah, but this. No, no, no, no, no, no, no. Deferred interest is accruing. Meaning if you do not pay it off by then. Yeah. All the interest that. Yeah. Well, that's okay. So I apologize. That's what I mean. Like by the time that. You're going to allow literally. But if I pay it by that time. Hundreds of dollars of interest. Then it won't. But you're not.

You're not paying anything. What are you talking about? Because I'm trying to focus on the higher interest ones right now and then pay that off when we get closer. No, but you should at least make your minimum due that's required to pay this off in time, which would be $166 a month. So why do they make it like... Because they want to make money off of you. Are you serious? Yeah, but that's just like the... Literally the way you're doing it takes seven years to pay off. So stupid. So what's out on your best buy card? That was a washer and dryer for the house. Okay.

What's owed on it? Oh, it's like... How'd you not get to use what you're drawing? Oh, I... Because you're acting like you have to have all this nice new stuff. No, definitely not. This is crazy. You literally could have even rented a washer and dryer temporarily until you figured out a better situation. I did when I moved down here and it was worth it. I... Sink! Okay, how much do you owe on the Best Buy damn card? It's like $1,500. Oh, minimum monthly? It's like $55. Oh, okay.

stacking so much like 55 dollars like doesn't seem like a lot at the time but like where is all this stuff is it in storage it's all in storage sell it sell it but like how facebook marketplace no like literally i'm gonna get like half my money yep and you'll put it towards the debt and that'll be halfway towards paying off that debt that's crazy

It is? Well, no, like it makes sense. You have like a 27% interest rate on a f***ing card that you can't pay off on it. I think it's crazy to have a washing dryer sitting there that's not being used. It's in a storage unit that is accruing 27% interest against you.

Shut up. That doesn't make any sense. I get it, but it's like everything's a loss. Yes, everything is a loss when you're dumb and you were dumb with your money. You were dumb with your money. That happens. Now we're doing the fixing part. You don't have to continue being dumb. That is the main thing that I'm trying to get through here.

Notice of intention to impose claim on security deposit. Yeah. So that was from the move out. $5,745.44? Yeah. That's what they charged us to break our deal. Which one? This last place? Yeah. Have you paid it? No. Oh, what the? Why? I don't know what to do with that one. That's a lot. You pay it. Yeah, but. Oh.

My ex is supposed to pay half of it and he's not. Well, I'll bring that up to him in the post show. I will. I'll confirm. Okay. So it's not the full 5000 because they're taking my security deposit. So it's the 3000. But still, then if I pay that, then I paid the whole thing.

No, this is stupid. What a stupid thing. Listen, I get that the cheating thing and the breakups. Well, I actually I was trying to stay there, especially because I had all the furniture and stuff. I tried to make it work, but I couldn't find like first off, there was the issues with the lease because he was on it. So I couldn't just like kick him out. But I had to like go through all that. Yeah. Maybe it's worth going through all that. Well, I tried. And? And he didn't want to do that. What the fuck is wrong with this guy?

Would he agree? I would. When I talk to him, will he agree? Yeah. Because right now it's been very anti him. I actually, I did say like one of the first times we broke up that I had like a roommate lined up already and that's why he didn't want to leave. Because you had a roommate? Yeah, because like. What? I think because like he knew I had a plan already figured out. So like he didn't want to leave. Did you guys break up with desperate like animosity towards each other? No. Then what the f*** is happening? So you owe $3,375. Hopefully he pays half.

um oh that's just like another page oh my gosh there's still there's still a decent amount of paper left please be done with the debt i think that is done with the debt i think so are we done with the day uh yeah oh thanks yeah that is insane it's definitely a lot um people don't realize that when they watch it live here in the moment this is very stressful yeah very very real

Sit down with a therapist. You got to deal with some shit, dude, with all this. Three free sessions of Sondermine. It's the same people I use, the same people the audience uses. You get three free sessions. And I'll gift you a course career certification as well because obviously with your associates in business, you're not doing anything with it. So you can figure out a path you want to go down and get a certification for it to help you. 762 in checking account. Same amount went in as out. Okay. Mm-hmm.

Oh, yeah. It's just cash being put in from... Oh, good. More Jersey Mike's. Yeah. The thing we're confused about are that you've done twice now. To be fair... Well, I know I keep saying that, but... Winn-Dixie? Liquor? Oh. Plugging it up? You're crossfading? Great. That actually wasn't for me. After you got f***ed up, you had to go get all your McDonald's and then you walk yourself off with some Dunkin'? Great. Then you zelled out 20 bucks. Chime. Mm-hmm.

Okay. $413,000. Huh? Huh? What? What? I'm just trying to remember. It's just moving money back and forth mostly. Yeah. And then $2,000 in your savings. Okay. Yeah. Which, like I said, it was like almost... Wait. You f***. You f***. What? You f***. You f***. What? You f***. What?

Oh, the Citibank. Yeah, that's the best buy card. I thought you had another debt. I almost just died. I almost literally just died. No, it's the same one. Okay, so you probably need like $5,000, let's just say, additional saved up to your basic starting emergency fund in order to get this place when you're forced to move out. If we have to do first month, last month security deposit, especially with your break. But see, if I'm going to get into my own place in a few months, I'm going to want all my stuff.

Almost half. I know. You know what I mean? Yeah, but even renting a thing and then getting a used system wouldn't... It would be worth it compared to the interest that is occurring on the Best Buy card. Listen, total income... What did you say? $4,500? What? I was like... What? It's not occurring interest right now, is it? The Best Buy card? I don't know. You didn't give it to me. I'm assuming it was. No, that one also has a deferred... Until? Until July. I know, so only like six more months. But... Or...

It might be longer, but I'm going to assume shorter. Because that's why I did it, because they had some type of promotion. So in my head... So until July? So you got like three payments until deferred interest hits?

Let's call it four? Shit. Shit. So $1,500 divided by four. So you need to make $375 to it before the deferred interest hits. That's fucking crazy. $375 a month? Fuck my entire life. Okay. Let's calculate your minimum worth. This is my entire life. Why do you do this to yourself for your entire life? Well... What? What possibly? Well, like I said, this was all like... What possibly? This all built up in like our... What possibly? The whole last three years, so...

And now I just feel like now I'm trying to like get a fresh start and, you know, all that, all that good stuff. Okay. Yeah. Your minimum payments alone are $1,941.48. Nothing. No, not one good debt. Your rent is 500. That's all. No utilities, no internet, nothing like that. Right.

Oh, for fuck's sake. What? I'm paying for my phone. $100. It's like $100 a month. Why don't you do helium? Do you owe on your phone? Yeah. We'll do that. Because it was a Verizon. Gas, vroom, vroom, drive, drive. How much? Maybe like $50 a week. Okay, $200. Car insurances? It's under $220. For both? Yeah. Because the slingshot's a motorcycle, so it's like $50 a month. It's technically a motorcycle? Yeah.

So that saves me a lot of money. It really is divorce, dad. Okay. Necessary food. How does food work in your house? I really, every once in a while. How does food work in your house? Like my mom grocery shops, but I usually don't eat anything. For you.

Where do you eat? At work a lot because I work nights and I work like almost every day. Well, how do you eat? What do you eat there? Like grilled chicken, salad. Is that food you prepared? No, like they cook it. Like I don't have to pay for it. They cook it? Yeah. Okay. Like they supply, like they'll feed me when I work. Yeah, you get a free meal at your restaurant job. Yeah. And you only eat one meal a day? Well, like obviously you saw I was getting a lot of Dunkin', but...

Okay. You don't need the full 300. I'm going to give you $150. Yeah. For TP fun, this is nails, this is tampons, this is whatever else you need. This is makeup. It's literally anything else you need. $100. And if there's extra there, you can put it for fun. Medical healthcare. Anything on a monthly basis. Oh,

um so i actually just got set up with an allergist again so i get like i have like chronic hives so i'm like allergic to myself don't do that yeah well i'm a little late so um so i have to start getting um allergy shots and i'm not exactly sure how much it's gonna be what do you think um should i think it's a 35 copay every time i go assuming i don't have to pay for the shot once every three weeks okay so we're gonna do like 35 a month yeah

Okay. You have a pet? Two cats. Ages and health? One's like three, one's like two. Health? Very healthy. Okay, get pet insurance. No way you're going to be able to afford to take care of them if something bad happens. $70 a month, we'll call it. Might be more, whatever. Depends on what you shop for. Depends on their health. Okay, and breed and blah, blah, blah, blah, blah, blah, blah, blah. Cat food, how much? Probably about $50 a month. Okay. Anything else that needs to be in your budget that I have not put in? Yes, the...

How much? So, because I have a storage unit for the slingshot. How much? I'm trying to think because I have a few. It's probably about like 400 between two, three units. It doubles your rent? Yeah. Yeah. So that's why like I'm saying like I thought my situation would be better ending my lease. And then it was like all this just like kind of added up. So it feels like almost the same as paying rent or like a full rent, you know.

Oh, you still have money left over. Okay. You make $4,500 a month net. Mm-hmm. You, with the minimum two payments, you have, well, with everything required, $3,766 is required. Mm-hmm.

Meaning you have an extra 700, we'll call it 700 with $33 a wiggle room, which, I mean, that's being conservative. So $700 left on a monthly basis. Now what that does for what it's worth, it gets rid of the Best Buy card and it gets rid of the mattress firm. Okay. So those are paid off before the interest hits. Okay. Okay? Mm-hmm. All right. With what is left. Mm-hmm. Mm-hmm.

Lots of mm-hmms. They're definitely an mm-hmm girl. Well, listen. I mean, it was just rough for sure. Interesting. That house sucked all the money out of me. Literally. And we had dogs and stuff, which made everything way more expensive.

Why? Well, that was like part of it. He financed two dogs. Why does it make it more expensive for you? Well, I was paying for all the food and all the bones. Yeah, he sounds like a man. Okay, so after those are paid off...

I mean, this is still brutal. Without you even getting a new rent, it takes 110 months to pay off. Without you spending any money on fun, that is a decade of progress. That's a decade. And then once you get your emergency fund, that's probably a full decade. So that's obviously crazy. I don't know what you're going to do when you have to go get your own place as well. You're not in a cheap area by any means. Not even close. No.

I think it's time to start thinking career-wise. You're already making $55,000 net, though, and that is not bad. Yeah. But it's also, I mean, it's not where I want to be. It's not where you want to be, obviously, but you're going to start. I have to pay my bills. You've got to pay your bills. But when you go into a career track, you're likely going to start either there or even below as you try to work your way up. And if you get into rent with your storage unit, your mom's rent combined is going to be like, that's $900, so you're probably paying a couple hundred dollars a month.

And that brings you down to maybe $500 left over. That's going to extend this progress to like a 13, 14 year progress. This might be a bankruptcy situation. No way. Already? Well, you're stupid with the car. I would sell the cars. Both of them? The Spider at a minimum. And I would try to sell everything in your storage unit and start with scrappy used furniture. Yeah. So I'd sell everything you can and throw your smallest debts to your highest debts. Sell the Spider, throw the money you get towards it and still continue to pay off that debt. Mm-hmm.

That's what you're going to have to do. That's your only way out of this is you got to start like liquidating the assets that you've collected out of the dump because this is not working. All your furniture, your washer, dryer, even although all this stuff is financed, you need to sell it all. The spider sell the spider, even your own car. Maybe not because of the equity position you have in there is not great. Right. Or whatever maneuver we're going to we're going to do doesn't necessarily mathematically make sense. This is a brutal situation.

You're just going to have to grind it out. We're going to have to work a second job and that's going to speed up the process. If you can put, you know, 1400 bucks a month to it, that pays it off in five years. And that's still crazy. And that's not incorporating any kind of rent. You just need to liquidate your assets and throw it all towards them. And if that doesn't work, bankruptcy might be the option. And then you might be able to start fresh at like 28. But right now you're not starting fresh until like 31. Hmm.

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

Going through bankruptcy, selling all your assets, paying it off in like five years. Gosh, this is going to be brutal. But that's what I would do. I would do one of those options. Spending your budget. You technically spend within your budget, but you had a high earning month and none of it was going to make the debt even better. But you did make it within it. It's three out of ten. Debt. I mean, this debt is beyond horrendous with the apartment debt and everything. Zero out of ten. That's so bad. Emergency fund. You had $2,000.

Yeah, I would... Maybe I'd use... No, I'd save the $2,000. We don't want to throw it towards this. Okay, but 2 out of 10. Retirement, nothing. 0 out of 10. Real estate, nothing. 0 out of 10. Okay.

I know. I know. But, I mean, do you think there's any way, like, possible if the spider, like, were to be listed and make money? Like, do you think there's any way that that could, like, outweigh the, like, negative equity? Like, if I get it, like... I mean, it's going to depreciate as, like... Pretty much.

I don't know. You can try it. Try it for a couple months. If it doesn't work after that, then liquidate. Yeah. Try it for a couple months. Because, I mean, if it at least covers the payment, that would at least give me a little cushion for a while. A little bit. You know? A little bit. But we'll see. It has to also cover the insurance, whatever wear and tears on it. Because remember, you're going to be losing value. Oh, that's another thing. And if you end up liquidating it, it's going to be worth less because of all the miles. I have a...

I have a service plan included in with like the financing of the slingshot. So like all the services. Everything you need to check that for sure. Hammer financial score 0.5 out of 10. We're about to call the ex-boyfriend and confront him.

It's going to be interesting. So make sure you join the post show below. Make sure you check out our new real estate class, which just launched. It's at a substantial discount because it just launched. And make sure you download the Simpler Budget app. Check out that free trial. And if you really want that signed notebook mailed to you, I'll do it. Just sign up for the annual. Love you. See you in the post show. Can we call him? We can, yeah. I've seen so many of your videos. I've like literally thought about it. Thanks for being a fan. Why are you a cheating piece of shit? This is your chance. What's your side of the story here? Um, shit.

No, I swear this is what I deal with. You lied. Me? Yeah, because the Tinder notification just popped up. Listen. Oh, and this baby the day before. To watch the Financial Audit Post Show, click the Join button below.