Failed Camgirl Is A Literal Clown | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. How long were you doing that? The online stuff. Yeah. On and off for 13 years. When did you start? When I was 18. Oh, f*** me. Okay. Before fans and all of that stuff started. Did you do that too? I did. Why so much from the naughty naughties? Daddy issues. So I'm confused. There are accounts in here with missed payments. My ex-husband actually pays that card for me monthly. What about boyfriend? Boyfriend, how do you feel about your girlfriend getting paid?

Hi, my name is Natalie. I'm 33 years old. I'm from Chicago, Illinois, and this is Financial Audit. I love Chicago. Hate the winter. What do you do up there for a living? I am a bartender. Okay, bartender. Can be good, can be bad. Depends. How much do you make? Not enough. I'm a daytime bartender. Okay, this is the bad version. Daytime, yes, because that is...

Great time to drink, sure. So how much are you making? I make a decent hourly because I am a daytime bartender. Sometimes I leave with $4 in tips.

For a whole day. What time does daytime start as in your shift? We open at 11 and I leave at 4. Is it a literal bar? It's a restaurant in a hotel. How much do you bring it in? What's your hourly? $15 an hour. Okay. Chicago, as far as the major cities go, it's actually one of the cheaper ones by far. When it comes to major cities, it just kind of works out like that. Decreasing population in the city. You know? Mm-hmm.

Just works. So how do you feel living on this 15 plus $4 a shift in Chicago? Not well at all. I am unable to get my own place. Well, who do you live with? I live with my little brother right now. Your little brother? Is that your little brother? Yeah. That's your little brother? No, that's not my little brother. Boyfriend? Yes, boyfriend. Okay, okay. I don't want to ask people's relationship. They are the same age, though. Okay.

Okay, so living with your little brother, that's kind of interesting. How old is your little brother? He's 28. When did you move in with him? About two years ago now. I just lost my house. You lost your house? Yeah. What is losing a house? What do you mean lost house? Did you own a house? My mom bought me a house to raise my children in.

Do you have children? I do. I have three. Hold on. Okay. What are the ages of the kids? My oldest is... Okay, sorry. My oldest is 14. My middle kiddo is 11. And then my youngest is about to be nine. Your mom bought you a house. What does that mean? What did that look like? She bought a house. In cash? In cash.

No, not in cash. So she had a loan? Yes. Okay. And I was to pay the mortgage and all the bills and whatever. I just didn't have the money to put up for mortgage. What happened to the house? It got destroyed. I was severely depressed. I stopped working and they had to sell it.

Is that being destroyed or is that being sold? Well, I also was fostering animals that I wasn't able to keep up with. What is happening? I'm this. Okay. I'm sorry. I want to start from a point.

Because this just keeps going down insanity. Yeah. It's bad. There was a house. Yes. Mom financed it. Yes. You didn't pay on it and then she didn't pay on it. No, she did. She was continually taking care of the mortgage. Okay. Then what do you mean you lost the house? I wasn't able to keep up with my- She kicked you out of the house? Yes.

So the house was not lost. She owns it. You just got kicked out for being a tenant. Yes. Okay. So you didn't lose the house. I understand what you're saying. Okay. It sounds a little different. Yeah. You make it sound like you lost the house as in like a hurricane came in and took it away. Okay. Classic Chicago hurricanes. And...

You destroyed it by just like you just put the entire inside of the bunch of fosters. Yeah. What is that like a hundred dogs? It was a couple of dogs that kept they weren't being potty trained. Okay. Then you were a bad foster. Yeah.

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raising money to tackle your debt head on check it out guys limited time only link in the description below okay you're not fostering still are you no no good i don't have any pets anymore right now probably good but you have kids i do a little more demanding they do live with their dad right now due to the fact that i don't have who is not boyfriend no that's my are they in chicago yes right down uh in a did it wait did i see you're getting support for the kids though

No. Okay, good. I was going to say they live with him. No, yeah, no. How much came in through work? I wasn't working at the time. Then why did she get you in there with having to pay rent if you weren't making money? I was being stalked by my ex-boyfriend and she wanted to get me and my children. Yeah, but she's requiring you to pay. Yes. But you didn't have a job. I was doing work online. So you had a job then. It wasn't really like I was doing online sex work and that wasn't really a...

actual titty money yeah um how much were we making not enough maybe 600 every month or so what is i'm like is that like cam girl stuff yeah we're talking yeah 600 a month i didn't put a lot into it i was a very uh mentally ill at the time so that didn't really help for now my mental health yes yes i've done a lot of work on that okay

How long were you doing that? The online on and off for 13 years. Well, when did you start? When I was 18. Oh, me. Okay. Before only and all of that stuff started. Did you do that too? I did. Why so much from the naughty noughties? Why in that world? What compelled you to get to that world? Daddy issues. Actually? Actually, yeah. No, that's actually. Yeah. Okay. Okay.

Are we still doing that? No, I quit. When's the last time Boobie made penny? Over two and a half years ago. Oh, okay. Awesome. Why'd you move away from it? It was making my mental health even worse and I wanted to get better so I can. That makes sense. Good. I'm glad you made that choice for yourself. Well, how much do you think came in now for work? Now? Yes. What came in in this last month?

ATM cash deposit, that can't all be tips. Because that doesn't line up with the math you were telling me earlier. An average day is about $60. But I can get as low as $4. Maybe it does. So you make more from tips than you do from work. It's actually very, like if I look at my paychecks, they also have my tip things. Or show my credit card tips. And it's very equal to that.

How much do you think came in? I want to say a little under three grand. That little was a lot because only a little came in. $1,700 total, $1,700, but ATM cash deposit of $1,134 and then remote online deposit of $636. Are we sure that was all cash tips?

The ATM. So you didn't get cash from anywhere else. No, I only get cash. So you are getting more into, are you putting everything into the account? No, I am saving for a car and I am, uh, I have to do that.

In a fake little ATM I have in my house because if I see the money, I spend the money. And you don't see it in your house? It's put away like off to the side. Okay. Well, okay. And that's it. How much do you put towards that? A month? I don't have a specified amount. I just put as much as I can. Little or...

Less, I guess, depending on what's going on. I'm just trying to figure out what actually comes in. Because if you said a little under $3,000, we're very far off. So are you saying you put $1,200 away into this car fund? Yes. Really? $1,200? Yes, I have. I took some out for this trip, but I have. No, no, no, no, no, no, no, no, no, no. Oh, wait.

So you're saying like 40, 35 to 40% of your money is being put in this cash fund on the side. My car did just break down. So yes. There's missed payments on here. Yes. So I'm confused. There are accounts in here with missed payments. Yes. Why is almost half of our money going into this under the mattress? Because I need a car. How much is, you're in Chicago one. You actually don't. You're in one of the only cities where you don't.

Like may as well take advantage of that. I got a three cities in the United States that you don't need a car. You're in it. My, uh, what do you call it? Commute for work. It's an hour each way. So sucks. People have done that forever. You can survive. You're a human that exists. What's your shift length? Six hours. Oh, Oh no. Yeah. Shut the fuck up or get a job closer to you. Yeah. Yeah. I no longer care about that. So, uh,

How much is in this car fund under the mattress? $1,200 right now. I had $1,400. When did you start saving for that? About a month and a half ago. Okay, that lines up. So $3,000 normally comes in. And we literally just put that aside for the first time. Okay. I haven't been able to work regularly for a while, though, due to my health. I missed a lot of the most...

past couple of months due to health issues. What? I had appendicitis for two weeks before they found out. So I was back and forth trying to get doctors to listen to me. And then after the surgery, finally, I had another two weeks out for recovery. Yeah, that was fun. I did still go to work once with active appendicitis. So, you know, I try.

Health insurance situation? I'm on state. Yeah? And does that cover it fully? Yes. Thank God. Thank God. Okay. What's your rent to your brother? I'm supposed to pay $400 a month. Okay. Supposed to pay. What's supposed to pay? Because I assume that means you're not. No, I'm not. So what? After stuffing $1,200 under a mattress? He wants me to get a car. Where do you need a car? What part of Chicago are you in? More suburb-y like. How suburb-y? Um.

Is there a train line near you? No. Get a closer job then. It's not like your job makes a ton of money. The reason I stick with my job is because my boss is so amazing when it comes to my health and my children and things like that. You can get good bosses other places. I'm not saying abandon it for any job. But it doesn't mean we just never look for a job either at the same time. We don't have to go into either of the extremes.

I don't get it. You put your money sitting aside. So are you considering this investment for a car to make more money to pay off the debt? Yes. Is that your mindset? Yes. Because you're not doing anything in terms of paying your brother and paying for your rent. Yeah. My brother would. Sorry, paying for your rent and paying for your debt. Yeah. Your debt. So with my brother, the last car that I had, he actually bought me himself so that I could get a job. I paid him back for that completely. And then that car broke down.

So he doesn't want to have to buy me my next car again. So I am trying my best to do that. You've kind of been dependent on people for ever. It sounds like because you're well into adulthood and it's OK falling back on support systems in hard times. That's not a bad thing. It almost feels like you're more on dependency of family.

yeah what about boyfriend i try really hard not to depend on how long have you guys been together a year and a half okay any plans to live together not yet i why is that well i'm still legally married to my ex-husband that i call him you guys can't live together though no i just don't feel like that's we you know see marriage as an important thing so we want to wait and make sure yeah marriage sure it's an important thing but

Aren't you basically not married other than legally? Yeah. Yeah. But like, I want to get, I want to get my finances straight before I bring somebody else into it. Well, that doesn't happen by not paying your bills. Yeah. What would you give yourself score zero to 10, zero being the worst finances ever, 10 being the best finances ever? Um, a two. Seems relatively honest. Could you explain? I think you're a two. Because I'm bad at,

impulse control which racks up debt i uh don't really have a budget in general why just never has made sense i keep trying i keep trying different types of budgeting and things like that i try writing it all down online i search different things i this is why we put everything into one place go through the budgeting class you get it for free because you're on the show go through the budgeting class go through the investing class

Please take the quizzes, take everything. It is hard when starting from scratch to like take a little pieces from everywhere. So we wanted to put it all in one place. You guys can get it link in the description below, but yeah, please go through that. You can also get your hammer financial score down there. And if you want to be on the show, go to Caleb hammer.com slash apply. It's two out of 10. Let's see. We have a capital one quick silver. We'll start with $1,320 and 51 cents.

With a $36 minimum monthly payment. Not a crazy hard minimum monthly payment. You don't even put the full minimum monthly payment towards it. Oh, it looks like you did last time, but it doesn't even matter. My ex-husband actually pays that card for me monthly. Why? I have no idea. Does he know he is or is it just set up on autopay? He's aware that it comes out of his... How long have you guys not been together? Four years.

So depending on another person, does he spend on it? No. He actually opened that card in my name, though. So he said, yeah, against your permission or? At the time, I was not aware. But then I. Okay, well, that's. Does he say just go spend on it? No, no. Okay, because there was $540. Yeah. Then you spent $781.53. You more than doubled it. And guess what?

It's been four years. She's just putting more money on it. Cur. Pay the minimum monthly payment anymore. All of a sudden, you are. How long does this take to pay off? Just paying the minimum monthly payments. A long time. Yeah, how long? I have no idea. How long? Years? Like seven? Pretty close. Eight. Eight years just for minimum monthly payment. This accrued $23.02 of interest. It is on autopay, by the way. Mm-hmm.

How do you know he knows he's paying for this? We've had to talk about it. And? He told me to take him off. And I said, please, no. And he has to. That's totally. That's completely different than what you just told me. He asked to be off of it. Yeah, but. And you said, oh, no, please don't, daddy. Well, yeah. That's completely different than he just pays for it. And he knows. Yeah. What are you talking about? It's completely different. Yeah, but I mean, if he's going to pay for it. Why would he pay for it? He just asked not to. And you said, please.

Yeah, I paid a good portion of it off myself. No, no, no, no, no, no, no. It doesn't matter. You just went and doubled it and brought it up to the credit limit. So I don't care. I messed up there. Why? I don't know. What do you mean you don't know? I don't know why I doubled it. Because I did pay a good portion off and I was super pumped. And then I went and spent it all. Why? I don't know. Is that an answer? Why? What'd you do? Why? Where were you going? What did you do? I bought a bunch of crap. I bought this dress. It looks really cute. Oh, you sure did. But...

Um, yeah, I don't, I don't know. How'd he get the dress? He didn't have a dress. There's no dresses. No. In your closet. No, not at the time. Okay. You don't need a dress or a shirt. You can wear a shirt like a human. It's okay. I promise. So he wants to get off it or are you going to get him off of it? I will eventually. What's eventually? Why? He asked, he asked, why are you saying no? He asked me to take him off of my, uh, he was paying for my phone and auto insurance as well. And I took it.

I got my own phone line. You've been separated four years and he takes care of the kids 100%. Yeah. Why do you think he should be paying for anything? I don't know. My mom said I should get alimony and I didn't think that was worth it. He's taking care of all the kids. That's what I said. That's why I didn't ever want to. Yeah, it's because I was, what is it called? You're used to a way of living. In the divorce, in the assets and everything that are, well, obviously there's nothing that you could split. But does he have anything in a divorce? No.

No, we've completely split everything within the four years. He's just helping me out. Because you don't have anything to your name. Yeah. So what was split? Like we split our finances. Boyfriend, how do you feel about your girlfriend getting paid by the ex-husband? I'm trying to help her with that stuff. Trying to help you with that stuff. I don't know what that means. Because obviously it's not make it. There's no help being. So take him off. He wants to be off. Yeah. Yeah.

Take them off. I'm putting this in your minimum monthly payment when it comes to getting off. Okay, yeah. No. I want to do better. It's kind of a sh**ty thing to do, I guess. Mm-hmm. Yeah. Your boyfriend pays for your cards. My producers use my money to pay for crayons. Oh, no. I would like you to... No. Jacob, to mark next to everything, every purchase here that is a bullsh**. Mm-hmm. A bullsh**.

Interesting. Hmm. Interesting. Hmm. Even looking at the purchases? No, I know everything that's been spent on this card was unnecessary, which is why it was spent on this card. The question becomes why the because you know it. Yeah, that's where it pisses me off more than anything. You know it. If you know it, then what are we doing? Why would you do that to yourself?

Do you want your kids back? Do you want to have a future with Mr. Man over there? Do you want to move out of your brother's house? Do you want to not be dependent on people? You say, yeah. Your actions don't say, yeah. Yeah. No. No. It's just really bad impulse control. I haven't been able to figure out yet. Figure out? What is figure out? What do you mean? Walk me through an impulse for you.

Well, like I was saying earlier with our discussion, I worked a lot on my mental health and whatnot. Yeah. A while ago. Yeah. And we're talking about last month. And this is one of the things that I have not been able to get better at. I just I think there is there are so many steps to purchasing something on Uber Eats.

So many steps. I'm going to be real with you. That's out of laziness. Okay, then it's not impulse. It's you being a lazy fuck. Yeah, that one. And you're also in Chicago. Walk. Well, you said it's in the suburb. That one's definite. But like, okay, so we have a lot of Teemu things. One of the things that I did was get a bunch of stuff to do nails. I did my own nails. They don't look good, but... Well, they're a little Halloween-y. Well, yeah, because it's September. But...

Steam game impulse with impulse buy three steam games. Okay, that makes sense Uber Eats, Uber Eats, Teemu, Teemu, Teemu I can see impulse and Teemu where there's other stuff the steam may be one but you went and just kept doing it Uber Eats, Amazon, I can see impulse in Amazon, Teemu, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Teemu $781 a full

There wasn't one necessity in there. No. Not a singular necessity. Okay, that is deeply suburbia. Yes. So I will give you that. I will concede that. When you say Chicago, I would not consider that Chicago.

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So, yeah, a car probably is actually a pretty important part of this conversation. So we need to navigate that. But do you get a car by three Steam games, a million Uber Eats and Timu and some fake nails? No. No. The fake nails. So, OK, as a bartender, you need to look pretty. You need to feel good. You need. So you can make your four dollars a shift. Yeah. Yeah. Yeah. It's working. Yeah. Yeah, it is. Yeah.

Yeah. I like feeling pretty. I want you to as well. And usually in a budget, we put a TP fund in there and that can be put in that. The thing is, you just don't have any management of where it's going. You're just get, get, get, get, get, get, get, get, get, get, get. And we don't get pretty on Uber Eats. Trust me. Yeah. I feel that as well. So like we can do things in a proper way. You're not. No. Just team on around.

Get him off the card. Yeah. I might give him a call. We're going to call him. Call him. I want him off the card. I want him off the card now. I think it's time for Miss 33-year-old to act 33-year-old. Act your damage. Oh, I have my fan. Hold on. How you doing?

Good. My name's Caleb Hammer. I am talking to your ex-wife about her finances. Can you please stop paying the Capital One Quicksilver card? Sure. Okay, thank you, because she needs to actually take some responsibility for the first time in her life. All right. Love you, buddy. Have a good day. Cool. Now it's yours. Welcome.

To the real world. Consequences. Actions. Yeah. Oh, good. Credit one. We know we're in a great financial position when we have a credit one. It's the bottom of the barrel of all credit cards. Yes. Essentially. This is because you get fees for it. And there's a leeway. There's a late fee. Oh, we're stuffing cash in a mattress. Yeah, we're having late fee. Yeah, that's funny. That wasn't. Was there a late fee? This past? Yes. Where it says late fee.

And $22.56. $22.56.

Of the fee. I didn't know it was late. Well, it happened. Because I don't like putting the money under my mattress. But you do. When I have stuff coming up because I don't want. But you did. Yeah, I didn't realize I did that. I should probably keep it better. I don't think. Probably just turn on automatic payments. That is a new card, so I didn't. You just opened credit one? You just opened credit one? Yes. Yes.

So you could do Teemu, Nintendo, Apple bill, Apple bill, Apple bill, Apple bill. What are these apples? What are you getting? What are the in-app things you're getting? You're getting something. Are you getting subscriptions for that? I think was, um, for Pokemon go. I were a few years like behind schedule on earth. Apparently. Yeah. I mean, I, I really like Pokemon. I have Pikachu tattoo. I, I,

Pokemon go to the bank and put your in the account. Okay. Yeah. What do you get for spending on Pokemon go? I asked someone this the other, a few episodes ago and I honestly forgot. What do you get? So I use it for times remote raid passes. So when people in other countries are doing raids to get, we battle the Pokemon. I don't have to physically live in the best country. We don't need to prove it on Pokemon. Okay. Yeah.

Okay. Yeah. $276 of purchases. Are you kidding me? And then fees and then $6.75 of interest. Oh, oh, oh, your balance is above the credit limit. So you're probably going to get above the credit limit fee this next month anyway. Oh, what's? Oh, I didn't know that. Do you know anything? No offense. No, I don't really like. Apparently not. You can't have access to credit cards. You're not a credit card person. You don't want to manage debt.

Yeah. I was in charge of our finances, my marriage. Oh, this is why when you guys separated, there was nothing to take from each time. But, you know, when you get married at 19 and nobody teaches you anything, how am I supposed to... Nobody knows anything at 19. Welcome to the world. That's not fair. Not fair? Okay, boo-hoo. You're never going to get anywhere if the excuse for life is it's not fair. Nothing's fair. We're just little creatures crawling around on this rock.

This isn't a thing of fairness. We're surviving. You're not going to do anything with fair. I guess. Doesn't feel good. I'm sorry, though. No. This isn't a feel-good place. This is a place where you can actually take responsibility and get your shit taken care of. Actually change your life and make your life better. Yeah. But instead, we'd be over. We'd rather have a...

Nice little sparkles right here instead of being under a credit limit on a credit one brand new card that is not being paid on time. Yeah. Uh-huh. Priorities. Good. While relying on brother and boyfriend and mama. Oh, and ex. Yeah. Great. So minimum repayment capacity was $22.56. So that's what's usually going to be owed. You owe double that, of course, right now because you didn't pay.

What's wrong with an auto pay for you? $22. I know you can have that on auto pay. Yeah, I honestly just never, I haven't set it up yet. I prefer my things on auto pay. Then why haven't you set it up? It's like the first thing to do. Because I forgot. Literally, I do it the day I open a credit card. I honestly forgot. You can't forget. No. I mean, this is, okay. I mean, you can't forget. Oh, good f***.

Are you actually kidding me? Wait, you said this was new? What's new? What is new? Like a couple months. $22.56 of late fees this last month, right? Can we agree on that? Yeah. You have

so far on here in fees $129.98. Have you ever made a payment and that's been above balances and that's their stupid fees? What have you done? Because that's like times five. That's like times five. Paid it off twice? Yeah. Close this card. You cannot have this card. Close this card. Close it. I don't give a f***.

I'm just being smart, getting it, paying it off. A credit one card? I don't know. No, no, no, no, no, no, no, no, no. I just want to be very clear for anyone watching out there and for you and any future life that you are living. Credit one. Any credit card that shows up in the mail.

It's predatory as f***. It is fees upon fees upon fees upon fees for anything. Yeah. Anything. This one you deserved because you didn't pay it. Yeah, that one. Yeah, but I did. This is endless s***. F*** it off twice. You need to use a charge card where you put the money on that you can spend like the fizz card. That's all you can have. You cannot have access to other people's money until you have a proven record of discipline. You do not. You're on the barest.

Very opposite side of that thing. Do you have any school? Cause we need to increase your income. What, what, what, what, what have you, what's your resume like over the past 33 years? Or if we worked, what are we doing? There's nothing wrong with $15 an hour. Do not get me wrong. Not at all. But at 33, we want to start making a bit more progress in the pay scale. What have we done? I was a stay at home mom for seven years. Okay.

Yeah, not the most lucrative. No, I was a lunch lady. I was an assistant manager at a store. Okay, how much are we making that? Not as much as I do now. Really? Assistant manager? Okay, what about at lunch? Oh, God. That was a while ago. Chicago schools don't have... No, I mean maybe $8 an hour. Oh, man. And then I worked at a gas station and I was a shift lead there.

And that was... Shift lead? How much were we making? Like 16. Okay, so we're... Well, but you... And tips you probably make. Yeah, I make about... I want to say... So it's always been service. Yeah. It's always been... And again, there is nothing wrong with service. And there actually are careers there. But...

You've kind of just stayed level. We haven't really progressed anywhere. I'd want you to start getting to an area manager type position of something. We'd be grinding away hoping to get that in our 30s, 40s, whatever. I want you to go to Course Careers in our description. Go through their quiz, their little

answer all the questions that leads you to probably the best certification for you to take the booster resume to try to find a better job and we'll pay for it. Okay. Okay. It's another bonus of coming on the show. So make sure you do that. Okay. We need to get you above 15 an hour. Yeah. Need to. Yeah. Okay. Apple bill. Yeah. What did you get? I honestly don't know. I don't know what comes off of that. I don't know.

anything i did pay a portion of it off though because that matter you did that for the first card and then you doubled it and pushed it to its limit so i don't know what they lowered my my um thing so it used to be a hundred limit yeah my limit so it used to be 1500 i paid it off and then they lowered it to 700 i think well 680 52 so you're maxed i did yeah

Yeah. Well, that's probably why, because you kept maxing it. It's $25. And I just put the new iPhone on mine, but I paid it the same day. 5% cash back. I love it. Credit cards can be a great tool. You're not a credit card person. Yeah. Well, no spending, but you only paid a minimum repayment. Okay. Yeah, I am. I'm trying and just not with all of that. 27.24% interest.

Okay. And with the rate cuts, these are going to go down a little, but it's not going to make or break your life is the thing because they're already so substantially high. Wait, so you're trying to get a car now, but you have a charged off auto loan? Yeah. But you're trying to get a car now, but we've lost the car? No, that was my first when I...

I bought myself a Jeep back in the day when I was getting the house. What's back in the day? Because the last payment was made only two years ago. Yeah, it was. So that's not what I would define as back in the day. So back in 2021, I bought myself a Jeep Wrangler. April. And that's also when I moved into the house that my mom got me. And then I was unable to work and...

Everything, it got repoed. Everything fell apart. I'm still confused. Why would she, she pushed you to get into the house. And for a good reason. There were some stalkery things you said. Yeah, yeah. Who's stalking you? My ex-boyfriend. Oh, so another guy. Yes. Okay. She knew you weren't making anything. Why did she require rent right away? My ex-husband. After pushing you to get in there. Also moved in with us. We lived together, but separately. Like we had our own sections of property.

like our own rooms and stuff. And we were just trying to live like a family for the kids. Living financially smart. No. Okay. Well, like what did life look like at that point? You and your spending and your existing while owing 1500 on rent. I, uh, immediately bought my daughter a trampoline, uh,

What does a trampoline cost? Like over $500. Okay. I bought a bunch of Halloween decorations for our house because we moved in September and I really like Halloween.

Yeah, the nails just. Yeah. Yeah, I spent a lot of money on kitchen necessities and things like that because we didn't have any of that. But it did all go on a charged off now target card. Before I moved into the house and got the Jeep, I bought a $6,000 Rottweiler and a couple of days before I got my Jeep. I thought those were like pound dogs. Are they not? Yeah.

No, I always, I'm a big- $6,000? I'm a big adopt, don't shop kind of person, but- So you shopped for $6,000. Yeah, but I saw her- And you couldn't afford $1,500 rent?

Uh, yeah, that was during the stalking situation. So I was scared and I wanted some security. And would he have the dog, the pup, the girl? Yeah. Yeah. She would have defended you think? Well, the fact that I was stupid and went back. Hold on, where's the Rottweiler? I found a good home for her. You rehomed? Yeah, I did. You spent 6,000 hours and then rehomed? Yes. So 6,000 hours gone. Yes. Okay.

How'd you spend $6,000? Did you have the money? At the time I did, but my, well, I was going to put her on, what do you call it? Finance her.

But I had just paid all of my credit debt off, so it hadn't hit my credit score. This keeps happening over and over and over and over again. So my ex-husband put her in his name. You haven't fixed any of the behavior. You're the person that gets fat as f***.

and then goes on an extreme cut and then doesn't fix any of your overall behavior that was actually bad in the first place and then you got fat as f*** again. Talking about myself. So that... Without fixing...

The problem, these short, temporary, huge sacrifices to get out of the debt, it doesn't help you. Because then you just go and you just continue your normal behavior. Yeah. You still owe $8,320 for this. Yes, for my GPS. Was it repoed? Yes. I actually called them and told them to come pick it up so they didn't have to repo it.

Because I didn't want... Like voluntary? Okay. Yeah, but they took it. How much was your payment? $600 a month. Oh, yeah. I'm glad you don't have a car loan now. That's what I'm trying to do is not get a loan. Oh, okay. I thought you were about to say something. No, I'm trying to save up so I can get a car outright instead of getting another loan. Are you on a payment plan with them or is this just sitting? That's just sitting. $8,320.

What is this? Medical. Those are from. It's open. So it's not in collections. Those are. 740. All the medical things are from when my daughter broke her arm and she wasn't under my insurance. She was under her dad's. Was this on your credit then? I don't know. I really don't.

Well, have you guys called and talked to the hospital? I've tried to. What do you mean you tried to? What does that look like? I don't know who to call. The hospital and then have them direct you. Well, I didn't also, I didn't have the insurance that I have for them now at the time. Yeah, but you're saying, did you take the kid or did he? He did.

So, again, this doesn't make sense. If she was on his health insurance and he took her, why is this on your credit? I have no idea, but he does everything else for them, so I figure I'd just take that. Okay, take it, but you're not paying. No, I can't, but I mean, I figured I'd... What are we doing then? Okay, so this is more medical, isn't it? Yeah, there's a couple. You can get on payment plans, though, and they can... Depending on the place, but most of them...

you know, are willing to really cater it to your situation because they just want to get paid. Yeah. I've read, I've done a lot of research and none of it really makes sense. It's just kind of... Call. Yeah. Call. Have a conversation. Okay. So it's not like these, these aren't like...

an external collections agency where they're just like soulless. Like these are people, they are willing to work with you in a lot of instances. Is this more medical? Okay. Tell her to stop breaking her arm. Medical three, $571. Okay. Oh, what is this? Oh, Advent. Oh, student loans. Oh, so you did go to school for a little bit. Yeah. How much is student loans that we have? Cause a lot. Okay. How much in student loans do we have? 9,000. Okay. Okay.

You'd be surprised, but that's not the number I'd think when you say a lot because people borrow student loan debt up to their eyeballs in this country. So what's the situation with these currently? I've just kind of got them on hold. Ferment? Yeah. Not even on income base? At least income base, you're...

Like things would be going towards the payment that aren't. They are. Oh, wait. But a lot of income based repayment things are on hold right now automatically because of court challenges. Is that what it is? Or did you request a deferment? I did the income base and they put me on deferment. That makes more sense. Yep. Nine thousand four hundred thirty five. A target card. That's the one. You also stopped paying this in last year. Yeah, that one's the one that I spent all the money on for my new contract.

A house that I don't have anymore. Oh, yeah. Uh-huh. And, yeah. My new house that I don't have anymore. Where'd the furniture go? It was thrown away. Why? That was old furniture and falling apart. My mom didn't want to deal with it. But you bought a new a couple years ago. Yeah. But I did, you know, when I bought most of that Target card, not only with the house stuff, I got a lot of Harry Potter Legos to set up on shelves around my house.

And that was a lot of it, actually. What the f*** are you talking about? Okay. So those are either... Well, Otec S is more important than paying rent. F***ing going into the wizarding world, sure. Why didn't you sell that stuff? People love Legos. Jake's obsessed. He f***ing likes to do his Legos every day when he walks into work. That was inappropriate. I kept them all in boxes. I have a storage unit and they're all torn apart. And I plan one day to figure out...

So you didn't throw it all away. So a lot of the spending, you still have the... How much have you spent on Legos? I want to say close to eight grand. Over how long? Four years. What? What?

All right, guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every single month. Oh, good. No way. Your couch? Hopping? Places I like stay at for the job. You're relying on bookings for a place to live? Yeah.

Also, three post shows a week for every financial audit you're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama that we didn't uncover in the original episode. We can't find you on Facebook. Did you block me on Facebook?

No way. And then included in the membership, every Tuesday, we have a member live stream where you come in, you hang out with us, we answer your questions, and the whole crew gets together. We play games, we mess around, and we chat with you. I have a pair of salmon shorts on that desk. We're ready to change into right after this. So you dress like you've spoken to for the first time when you go on a date? Yeah.

Then there's always extra bonus things like, for example, an office tour. The team grew. We have to eat out of here now. So this was going to be the fun area. Now it's not. We upload hours and hours and hours of extra content just for you. And it helps support the growth of this channel and the growth of this business. Join the membership. Link in the description below. $2,000 a year and you can't pay bills. You have things repoed. You're not paying cards on time. Okay, but have you seen the Hogwarts one? It's like this big.

And it's great. You can open things. You know, it's great having a car. You know, it's great having them not being supported by four people in our lives and having to constantly take from them just to survive. Maybe we'll see our own kids.

Yeah. You know, the ones that would play with the Legos a bit more. I see them all the time. I just don't live with them. Yeah. Don't you want to at some point? Yes. That's actually... Yeah. I prefer them over Hogwarts. Yeah. Dumbledore's dead. Haven't you heard? How much can you sell it all for? Do you know? Do you know? I did look through ways to sell it and it wasn't... It's more unopened boxes, right? Exactly. It was like...

less than a third of what they're worth. I assume all your boxes are opened. I have maybe two left. Sell whatever you can, please, for f***'s sake. I don't give a s*** about any Hogwarts. Yeah. You have another Target card. Is this in collections now? Oh, that's written off as bad credit as far as I understand. Huh? Yeah. I don't know. That's what my credit karma thing. There you go. That's what it's... Yeah. And that's $5,924 of

Okay, great. Okay, so the people you're leaning on, you owe debt to as well. Yes. You have debt everywhere, under every crevice. Yes. So what do you owe $3,870 to your mom? That's back pay for the mortgage that I did not pay when I was living in that house. What's the status of that house now? They sold it.

Oh, really? Yeah. Did they make a profit? Why'd they sell it? They just didn't want to deal with it anymore. It wasn't worth it. Fair enough.

Have you paid anything towards this or is this balance a set? Oh, I've paid most of it off. So what was it? It was originally, I want to say, $9,000. And why are you prioritizing this over things that hit your credit and being able to have a car and keep your car, not getting repoed? It was not only me who was paying it off. It was also my ex-husband. So how much have you actually paid off and not the person who has money and uses it responsibly? About $3,000. And your brother...

Why? In what world do you owe $6,800? Oh, is that back rent? Yes. What did you say your rent was $400? Yes. Hold on. I also add more in my head because he pays for things like... 17 months? No, no, no. What do you actually owe him? Not what's in your head. I don't give a f*** about your head. What do you owe him? Yeah, that's what I owe him. Oh, okay. Do you have a minimum monthly...

No. Do you have a minimum monthly of your mom? No. It's the owner's place? Yes. And he just rents out a place. Okay. Oh, this checking account is riddled with insane spending. Insane spending. I don't know how you think you're allowed to spend like this. And you literally just won't pay your minimum monthly payment of 20 something dollars.

That's one of your Uber Eats. One of your Uber Eats. Yeah. Which just brings me back to the point where it's like, okay, if you had nothing in life, nothing at all, like, okay, fine. It's just what you're doing. But you want to be a mom to your kids again. You want that. And I want that. But you clearly prefer Uber Eats over that. You know, subconscious or external, you are...

That is what you're demonstrating through your actions. It's kind of gross in a way. Bullshit. Okay. We already talked about how much came in. How much do you think was spent? Again, $1,700 came in. How much was spent? $2,300. You're so close to a couple of the numbers that we talked about here. $2,400. Yeah, I have a general idea. A general idea. Then why the fuck?

Because, again, that pisses me off even more. It really does. Anytime that happens, if you said, you know, $1,200, I'd be like, oh, silly goose, let's correct it. That would have been a little meaner. But, okay. But you know how much you spend. You know that you spend more. So why would you then? Having a general idea of it, I don't... It's like being self-aware of knowing the issue but not knowing where to go from there. I have a general idea. I just...

Don't spend. Yeah. Spending, which was a lot more than you brought in. Still, of that entire 100% of your spending pie chart, 30% literally went to fast food bullshit. And then miscellaneous bullshit subscriptions, video games. Or not subscriptions, but video games and other just bullshit. Pokemon Go. 40% of your spending. So combine that with fast food plus your subscriptions, which was just about 4%.

60 like 65 percent 65 percent of your spending of which was almost a thousand hours more than you brought in five percent went to complete does not move your life forward in any way whatsoever groceries apparently we don't eat any kind of groceries because 1.8 percent of your spending was groceries i have 1.8 yeah that's because i have the uh financial aid like

I have an EBT card. Oh, okay. Wow. So you have that and yet you see, okay. I'm okay supporting people that are down under lock. I am okay with that. If there is tax money that I am giving, I wanted to support people. I have started making, but you literally went out and spent basically $800 on Uber eats. And that disgusts me. Come on. That's gross. Okay.

Yeah. And then $2,000 of Legos a year? God! That was... Why are you allowed to get help if you are choosing to spend all your money that could have been groceries on literal toys? Help people that cannot survive. 100%. Help them get on their feet. 100%. You are spending everything on Pokemon Go, Steam games, fast food, and Legos. So...

That's gross. That's gross. I do. Yeah. Oh, my started with negative $149 in our checking account. How does this get worse? How does this continue? Oh, so I did the problems. Yeah, it is with this. Are you aware of all this? He knew.

I'm open with everything because I do want to get better. Want to get better, but you don't put no actions behind it. It's like going to therapy without doing any actions. That's nothing. But I'm literally just a girl. Oh, shut the f*** up. I will burn this table. I'm literally just a girl. Shut the f*** up. What is literally just a girl? Are you trying to tell me that women are like *** or something? No. That's not how it works. You think because...

Why? You think you're stupid? Sometimes, yeah. But because you're a woman. What are you talking about? I'm just a girl. I'm just... Shut the doll. You're just a parent. I don't want to be an adult doll. Oh, okay. All right. Clearly not because Fandango. Smoke Shop. Yeah, let's get lung cancer before we get our kids back. Pokemon Go. HBO. Grubhub. Mixing it up. Uber Eats. Back to the classic. Albert Genius.

Stopping at a gas station, getting into the bullshit. Netflix to scarf our Uber Eats down with. And Uber Eats and Uber Eats and Uber Eats. Wow, do you Uber Eats two meals a day? Because it's starting to almost add up like that. No, I don't. More Uber Eats. More Uber Eats than Hulu. I don't. I try to do it where I can get two to three meals out of each. Buddy, with these Uber Eats charges, they're at least one day. Once a day.

So far, it's pretty damn close. Oh, you're damn right that you don't want to be an adult. That's the most honest thing you've said. We had an overdraft fee of $34 there, but you chose to Uber Eats. An overdraft fee of $34 again, and you chose to Uber Eats.

another overdraft fee of $34 and you chose to Uber Eats. And would we be shocked if there was an overdraft fee of $34 and yet we chose Uber Eats? What is how? How have you made it this far?

you started the month with negative you overdrafted four times and we're going to uber eats every day and we have to pay to be more competitive in pokemon go how would you be competitive in life and not the bottom of the barrel of humanity yeah yeah that's uh and you're the one that's getting help there are people dying and you're the one that's getting help somebody goes to uber eats once a day

oh more apple there's more pokemon that's great wonderful oh more pokemon go mcdonald's blue wooden i don't even know what that is oh god yeah why would we need to know where any more money is going when we have none books a million oh more timu we're back doordash really wow getting every delivery service

My producer couldn't even figure out what Blue Woodland is. I tried to Google it to figure out so I could cancel it. I have no idea. It's a subscription? I have no idea. It doesn't say reoccurring. Oh, then maybe it's not. I don't know. Oh, I don't know. I don't either. The only thing he could find was a ski resort? No. I'm just thinking this money, literally just the $34, $34, $34, $34.

$136,000. $136,000. You throw that in an investing platform like Moomoo, buy the S&P 500 every month. The overjet fees you get, throw that in. Let it compound every month, and you could retire with tens of thousands, low hundreds of thousands of dollars, and just letting it compound. More than that, actually. But instead, you just allow that to all go to the bank because you wanted Uber Eats. I'm just so used to not thinking about things...

even retirement in general. Like, I can't think about that because I am a bartender. So like, it's not like...

Why are you saying no bartender has retirement? No, they can't think about it because they have to pour drinks or because you're just a girl. We don't get like 401ks with our jobs or whatever. Is that the only thing that exists in the world of retirement? I have no idea. I know nothing about it. Just that's fair. We could open a Roth IRA. $6,500 a year is the limit right now. So that is $6,500 that you could put in on a yearly basis.

Okay. Or just over 500 bucks. What is it like 550, something like that? I don't know. Uh, 600, whatever, either way. Okay. Well now I feel stupid for not knowing 546, 542. Okay. Yeah. That, and then that you, you invest that properly. We could even get you to sit down with a financial advisor, a domain money. We work with them. They're really cool.

We can connect our guests with that. And then they can get you properly invested for something that fits your situation. And then there are retirement choices without having a 401k. Yeah, that's all I've ever heard about. And also, you could just literally be buying into low-cost index funds just an individual brokerage. I take it you do not have a retirement account. No. Well, that's not what we're going to focus on right now because we've got to get you out of debt first. Yeah, yeah.

increase your income, get your own place, get your kids back. And then we can think about retirement. Oh my, we're Jeffy's this period. We already talked 136.

This year so far, $646. So you overdraft every month. Yeah. You overdraft every month. Yeah. $900 community that she can spend on groceries. And I try to help her be the most cost effective she can with the groceries. Wait, $900 a month? That starts this month. How much was it before?

That's a shit ton of groceries. I've been starting to... That's a shit ton. I could have fucking get you on $300 of groceries a month with, you know, pretty aggressive meal prepping. Well, I get... $700? I've never cooked before either. So I've been teaching myself how to cook with my children and learning how to do that. YouTube, cookbooks, Instapots, ramen, easiest things in the world. Hot pockets with that kind of budget.

Pre-prepared meals at that point with that kind of budget? Yeah. Frozen dinners with that kind of budget? Not a single penny of your own money should be going to food. Why don't you qualify for that? Because of the kids? You're able to claim them as dependents even though you don't? I do have them a good portion of the time. They just don't go to school where I live. Or stay with you.

They do most, like, when I'm not working and stuff, they'll stay for weeks on end and stuff. Oh, at your brother's place? Yeah. Why'd you say they 100% live with him, then? Well, because they don't have rooms there or whatever. They just stay on the couch, so I can't. At your place? Yeah. His place, though? They have rooms? Yeah. All three of them just on the couch at your place? Yeah. How long? Weeks on end? Yeah. Like, for, like...

Whenever I don't have work. I mean, I want you to spend time with them. My oldest doesn't like coming over. My oldest doesn't like coming over because of that. Which I get. I mean, a 14-year-old is, you know, 14. He's in the teenage era of life. Yeah. I only get a little. Yeah. But the littles, they love hanging out and coming over and just doing sleepovers for hours.

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the free money because i'll punch you i want you to be able to give them the world i want you to i want you to so in the past i'm kind of it kept blowing up in my face because of my issue because of you so yeah try i don't know that's the thing not i want you to give them the world you're not going to if you follow this you're not going to it's only going to get worse from here if you keep going down this path you're not going to give them anything anything

You're just going to give them pain and misery because they're going to have to take care of you. I don't want that. Okay, but that's where you're going with your actions, to be clear. So if not for you, if not for you, for them. The sacrifice that you're going to have to take after this, for them. Definitely. Actually putting the Uber Eats app down, not for you, for them. I'll just delete it. Working more.

Then a six hour shift. So now for you, for them with that second job, we call it with that specifically. I was working two jobs last year, the job that I'm at now. And I was at the gas station. I was working over 50 hours a week, two 12 hour shifts a week. I had I moved over to my other job that I'm at now.

We've learned that if I work the set schedule that I have, the three days a week for six hours, I'm able to work more consistently. It's three days a week for six hours? I am able to work more consistently because if I push myself too much, I get sick and then I have to call out for weeks. What kind of sick? I had strep throat eight times last year. Okay, get some tonsils removed. Okay.

I've had to have a colonoscopy this year. I've had six. Get your butthole removed. Six. I've had six CTs. We don't know what's wrong yet. I have to see a specialist. And you've talked to your doctor about this? Yes. And this is what your doctor has said? They wanted me on disability. That's why I didn't want. That was going to be my next question. Yeah, they wanted me on disability. I waited the two years. Okay.

And I gave up and I just wanted to work. I don't want to... Hold on. I think there's a middle ground between multiple 12-hour shifts a week and only working a couple hours a week. I do pick up at... What's the max you can physically push yourself?

I do between the three and four days a week, and then I will pick up special parties. No, no, no. I'm asking what is the max you can push yourself if we're starting from a fully open board, open calendar? What's the max you can put yourself to? How many hours of work? Yours is more manual because you're in the service industry, so that is true. I do run the entire bar myself. Okay. How many hours a week could you work physically? Physically, I want to say maybe 25, 30.

Really? Yeah. See, this is another thing.

Listen, if that is a literal medical thing, then at that point, okay, maybe we need some... You're not going to... If that is like your actual thing, you know, there are things in society to help you there because of that. If the doctor really thinks that, I always have some sense of skepticism because I've seen so much bullshit. I understand that. But if that is the actual medical case, okay, maybe that's something we have to do because you're not going to survive off of 25, 30 hours a week. You're not going to. We're not going to do anything.

We're not going to do anything. No. Yeah, we're not going to do anything. We're not going to ever make any progress. Or can you sit on your ass for 60 hours a week?

I know you do. I've seen all the subscriptions and Uber Eats. Yeah. Okay. Maybe we're doing a slightly lower per hour pay remote customer service. I was looking into things like that. Okay. Well, looking into things doesn't get a job. I don't know how to go about that. What do you mean? Don't know how to go about that. What I would have to, like, I don't know how to get into that industry. Every job that I've gotten, I've always used as like me.

I show up and I go, hi, how are you doing? I want this job. Yeah, service is good for that. I have a really nice PC set up, so I've been using that. Oh, perfect. There you go. Yeah, like I figured I could do something with that and try and... Really good PC. What's a really good PC? It's not really good. It's actually really basic, but I had my... It's an immediate reversal. No more looking into jobs. Use a resume builder online. Okay. Okay.

Use it. It knows how to put in the keywords. Even if you have to pay for it, it's worth it. Have it focus on customer service. Have it focus on call center. Have it focus on sales. Again, we all have the certification. You can get a customer service certification that we can get you.

And then if we can get you a job where you're talking to people on the phone and just helping them with bulls**t, annoying, sucks, I hate it. Even if it's slightly lower pay per hour. If I can do more hours. If we're going to be able to get you from 25 to 60. Yeah. Which you need right now. Yeah.

Then we're going to do it. Yeah, definitely. Or else, I mean, here's the reality. You work 25 hours a week for the rest of your life. You're never going to get a real job because no one wants to hire someone for only 25 hours a week. Yeah, that's why I've stayed here. I'm sorry, real job. I know that's kind of a... No, I get it. I'm talking about career. Yes. And you're obviously not pursuing your job at the bar as a career.

I could get higher and like I could be a manager. You could, but you're not pursuing it that way. Plus, again, you're capping yourself at 25. So again, I just don't think you're going to move anywhere with 25. So we're always going to be making this meeting. We're never going to get our own place. Yeah. Because you'll never be able to afford your own place. No. Unless we have things like some disability or you're in like government funded housing. Yeah. And you want to stand on your own two feet. So you don't want that, but you're also not able to work. So it's just like,

Okay. So if $3,000 a month is our net right now, I'm sure you're not claiming it all for taxes, but. Oh, yeah. No, I claim my. All your cash for taxes. I put it all into a thing and yeah. I'm going to stay silent on that. Since everything's kind of gone to collections and whatnot, your minimum fee payments are kind of low, which is kind of embarrassing that you're not paying them. Minimum fee payments, $83.56. You don't have to pay. Well, 400 for rents is what you're supposed to pay. Mm-hmm.

That includes utilities and internet and all that stuff. We want to learn more about the boyfriend if it was a virtual boyfriend and the subscriber and all that crazy life and stuff. But we're going to save that for the post show where we do more drama and more just...

just diving into the wild side of things that might not, that might demonetize videos. Yeah. That's, that's a fun, watch that. Click the link in the description below where the pin comment. Okay. But utilities and everything that's included in the 400. Yes.

Okay, phone bill? You don't pay for it. No, I do now. I have my own. I just paid for a whole year. A year? Yeah, I have Mint Mobile. Oh, Mint's good. It's just like Helium, who we work with as well and get people on for cheap. That's cool. Yeah, my brother set me up with it and said he uses it. So what is it a year? I think I paid $300.

See, I almost wouldn't have done yearly for you, even if you saved money, because you just don't have any money left over. I just didn't want to. When did you do that? Just this month, I think. Okay, then I'm not going to put it in the budget for now. Gas, vroom, vroom, you don't drive. So transportation. I do. I'm borrowing my stepdad's truck. Gas, how much? It's 95 was the last time I filled it up. How many fill it up? Once every two and a half weeks. Okay, then we'll just say, to be safe, 190. Okay.

You paying anything for any kind of car insurance or anything? No, my ex-husband still does. That's right. Of course. Four years ex. Okay. TP fund, $100. Anything you need to survive. This is what we talked about earlier. This is making yourself feel pretty. Necessary food. You can do 300. It doesn't even matter. You get assistance. I'm not even putting it in the budget. Healthcare and everything else also covered. You don't have any pets. We don't have to put anything there.

Jim, have anything else I need to put in this budget? No. There's no reason you're spending more than you make with the assistance that you get from everyone, including literal taxpayers. It's like there's no reason. This is kind of a joke that you're not paying your minimum payments and that you're spending more than you make, that you're not paying your brother. Literally, if you're paying your minimum payments and you're paying your brother and you're taking care of everything else,

$773.56 is what you need to survive on a monthly basis. You say you make $30,000. This is the past two months is the first time I've been able to consistently work, though. I have been sick and having a lot of doctor's appointments. If you legitimately have some severe disabilities, then you should take advantage of it. I had a company...

Actually, through my insurance that was helping me, they filled out my disability stuff. Were you denied? I was denied the first time. And then while we were waiting, the next time was when I had to move. I lost my car. All of that happened, and I just gave up. When I first moved in with my brother, I realized sitting waiting on disability was not—

good for my mental health because I felt like a failure. So I went out, I got up and I got a job and I've been pushing myself since then, trying my best to make a consistent anything. So what do we do? So I'm just so confused because even, even if you make 2000, you're still well within your technical means based on your current situation. So I'm just so confused why girl, your credit cards, we can literally pay off in two months.

Are you f***ing kidding me? Yes. I want to do that. And then close them. Okay, question. If I pay them off and close them, is that bad for my credit score? Yes, but I don't give a f***.

Because, like, I feel like I shouldn't have credit cards, right? Right. Well, again, use a charge card or something. Is that towards your credit? Yes. Okay. I didn't know that. And maybe we can get you a small car loan where, like, you get a $10,000 car, you put $8,000 down, you borrow $2,000. Yeah. Again, we'll build skills so you can take advantage of stuff and get a good credit score eventually. But right now it's just hurting you having access to money. I agree. If I just take it away. Listen, I don't.

I don't. Listen. Listen. Listen. I don't. Listen. The thing is, um... This is stupid.

This is the dumbest thing I've ever seen in my life. Because of your situation, you can pay off your credit card in two seconds. This is the dumbest thing I've ever seen. Literally just don't spend money, budget, go through the class, be disciplined for the first time in your life, go to work when you're supposed to, and your life is turned around immediately. If you want to start taking care of collections, feel free. You take care of your mom and brother, that's probably still going to take about four to six months if we're really throwing everything towards it.

But this is this is so simple. You just have to not be a child like I'm done. I'm going to wrap this episode up because that's the dumbest thing I've ever seen in my life. It's so stupid. Just no necessities and groceries are taken care of for you. This is so stupid. This is so stupid. You're spending this as being a child. You just need to work on your behavior. Just hold yourself accountable. Make sure people around you hold yourself accountable and don't get enabled by anyone. Take over your payments. Yeah.

This is so stupid. This is so stupid. Spending a budget, 0 out of 10. You overspend. Debt, 0 out of 10. You have collections. Emergency funding, you have nothing. 0 out of 10. Retirement, you've never heard of it. 0 out of 10. Real estate, you f***ed that up. 0 out of 10. And financial scores, 0 out of 10. Make sure to join us for the post show. We're going to talk about drama things instead of this stupid...

So make sure to join that. And also you can get our budgeting and investing program, which she gets for free, but you can get it for 15% off. Link in the description below. We'll see you all in the post show. Dum, dum, dum, dum, dum. This is bad. Today on the Financial Audit Post Show. Mr. Boyfriend, how do you feel about the work? Are we pro or anti work for money? I'm anti. I've been working hard to make sure that she kind of cleans up her act. If she started doing that stuff again, I don't think it would stick.

Really? How do we feel about the fact that our ex-husband is paying for many a bills? Even though you are boyfriend, you are man in life. Yep. To watch the Financial Audit Post Show, click the Join button below.