Financial Audit’s Biggest Freak Show
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watch episodes of financial audit week earlier. Check us out on youtube is wrong with you. I think i've done, I think i'm .

done thing I can be helped. I think I even think I can be no.

来 呀， 来 in the budget right now， I gona help anything because stop, stop, stop OK.

Hi, i'm venessa. I'm forty two years old and i'm from round rock, texas. This is .

financial audit. Morally, this is where I ask job was your income. But I need to call the fact that I came in here, I down where the Normal conversation is anything you do not want to about. No, that's not what you wanted talk about.

What you wanted talk about was you help me with the and just so what you know I don't know this is to impact anything or you know, but my finances are worse now than they were when I sent his statements. My finances are worse. And honestly, little stand to hear that because how can they be worth because the spending on these credit cards is some of the most.

Some of the most insane spending i've ever seen, an active interest accruing credit cards ever. And then to comments in here and say my finances have got in worse, worse, I didn't know that was possible. So I just wanted to call that out because the audience wasn't here for the prefiling conversation. So the fact that have done worse and very cares to here uh uh uh okay, but what do do do you do for living in RAM rock?

Um I am an assistant store manager in retail at joan .

fabrics yeah retail? Oh.

let's no pick. yeah. Oh .

okay. Oh okay. Joan， yes, you can. That's unnecessary. Bad career about job or anything. There is no way you are making enough to spend the amount of money that I don't know that I know I know you and then I don't know that .

you you don't hey.

very well, I possible spent okay, what do you make? Um that's a good question .

is that I would love a good answer.

Please come on. This is the easiest part of the entire conversation everyone struggles with. It's a good question.

I thought I made fifty five thousand a year but then I just kind of took a look at IT this morning and um at twenty four seventy five an hour, roughly forty hours a week, that is definitely not pay time off everything .

yeah should be forty one thousand four hundred ninety 呀。 Well, it's prety close.

It's sad. I'm an old lady and I make no too no money.

You you are below the media and household and awesome, close to eighty now for the media and household and medium salan arson. You're pretty dorne on IT. What in one rock is certainly cheaper than yes, main awesome media service. Okay, let's find out because I don't think or you are you like down on yourself about this?

Oh yeah, definitely.

definitely. This is a single households income. no. okay. Then what how much is the other side?

Um how much does he make? Is that the median .

individual salary in roma, texas is forty nine thousand hours year?

Yeah I mean, I probably could be comfortable yeah content .

not with .

the spending .

that you have and I know yeah I am see a trust me will get there and it's a little hard when I freak out first but I just know what's in this. Is that okay? What okay so you have a husband are you find .

combined .

O I O T A live they never matter. Um I mean I guess for the rent part of my matter ah what does he make let's get context.

I believe it's one hundred and ten yeah .

if you guys got married, you'd definitely be well with in and way over the median household income of Austin, texas so yeah if you .

put together uh wow uh very bad at these things probably five years.

six snow on the rise and that's a while .

to be together. We don't talk .

about IT never what I don't know.

just an uncomfortable conversation.

why? How's way? How's that uncomfortable for someone that's going to get five, six years? I don't know .

if I ever want to be married, and i'm not sure how .

he feels about IT either. Not really. Yeah OK. What do you think it's going to like some .

of a demo or something? No, no, no. I just wouldn't I wouldn't be helping his financial situation by settling him with my dad. So I mean, the only one who would benefit from that .

type of situation with tax benefits, a lot of benefits is different than that 是 this kind of the union that a lot of people see and and also protect you guys in the case of getting more gagging of what either way， what happens if he leaves you right now, you're all kind of right. yes. Okay, that would be less likely.

And I know it's funny .

so you make above the median salary and all son but you clown on IT like it's nothing yeah I mean it's I sum something no.

no, I just feel like that's true just from my perspective. You know i've watched my parents work from the ground up and and start .

you know at entry level positions one you know .

we've also made me feel like it's not good enough. So probably i've turny ze that and I don't is IT because .

it's retailers at the number retail.

It's like I haven't really utilized my I don't get IT.

You can make a career and a lot of different fields, I don't. You can start the bottom, make dowdle and work. You have to be no franchise.

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And trust me, you'll feel the same. You can go over that comes flash hammer to try two weeks for free. Don't wait and let, or can and see if your dad is already out there. I really, I don't of them who gives you and you might give.

but it's IT to me. It's embarrassing .

why you look like someone who rebelled .

from their parents. That little fuse, are you? Everything that you've you taught me has has got me to that point.

Where are they? The this is you hear? Yes, okay.

make sure. Yeah, for sure.

okay. So the opinion ways are you a lot about this job? What do they do? What's their special little jobs that are above your job?

I mean, my dad started as um he's on quite a few different things, but he started as just like a painter, worked his way up into you know the union and um had had a really good coffee gig and then he started his own business. So um he's probably doing that right now. I don't know.

I don't talk to him. I haven't talked to that .

him and he thinks because again.

he raised me. You have been talking me don't know nobody thinks yeah but in her he .

did push me to go to college when I didn't.

The one that pushed you out.

What about her? Yes, SHE SHE started off in a mortgage, the mortgage industry and then he was working for Fanny may um pulling in over one hundred and twenty a year right before you.

Sure you definitely make less than that, but that's I don't get IT. I wouldn't .

think much about my age. I feel like I should be doing something else.

You do something else.

I've just fAllen back on what have been offered.

Aren't your ands closing .

around the country? No, no, not that. Not they've told us about any closings. No, I actually work for one of the locations that pulls in a couple million a year. Um we are a large heavily traffic store, so we're not going anywhere.

Gosh, maybe because we're in a crazy election, but when I hear traffic, that is not what.

And i've been offered my own store but I am not willing or able to relocate two um like mid .

dorthy .

texas where is IT um places .

that are like two and a half .

OK yeah .

um while the meeting annual income for someone in their forties and round rock is eighty eight thousand, that's an same number OK if you not. Okay, fine. Let let's move on from this. Let us talk about the fact that how much came in the last month?

H, I don't.

of course, why would we know how much money comes in from an income? How much did you make this last month? Come on, you know your salary. What came in? Do you know budget if you never looked on accounts?

I try not to. why?

What does the put that? What is that funny? It's funny that I don't .

look at .

my account and I ruined my entire life. And right.

I said I was laugh out of embarrassment. But yes.

that was a couple of collab.

Yeah.

clap cop laf. Okay, I get that. I least I get .

what's .

call the cop play as as this is not okay. It's a copa.

OK, 嗯， you're right.

You're interesting. Thank you. Okay.

in a good, I I don't know.

Listen, Better sake. What do you think came in? Oh my god, you have a job.

Three, maybe close to three thousand dollars.

See, you're not a complete moron. Don't give yourself that treatment. Three thousand and one hundred sixty, you know how much comes in. You're not that. Don't treat yourself .

like quick math.

Yes, quick math. Three thousand, one hundred comes in. wonderful. How much to spend .

way over that? I'm sure i'm sure I I don't again.

I how much was spent nine thousand three times what you brought in and you think that even close to acceptable? It's not about it's not about how much you make IT is not you are not in an unsurpassable income in ungrown taxes. You're not the the the rocks. And even round and listen, you make enough money to live there. You do.

I did this to myself. Yeah.

yeah. So why, why would you possible spend nine thousand hours? Is not about looking down on your job, is not about looking down on your income.

Thought about looking down on your life. It's not about not knowing how much comes in. It's about the passage. You spend three times you come and then you tell me it's actually worse now your financial situation has got and worse now. So tell me, why would you possible spend nine thousand hours and three thousand hours comes then?

Probably a little bit of did you .

just the camera? I look at the camera, what you look at that stop. Are you taking the series?

Hey ah okay, focus up seriously. Yes, pissing me off. So come on.

i'm pissing myself. Um so yeah, I like why why we need to know why I do .

idea would be good.

Probably a little bit of A D H D, little bit .

of everyone .

on the show .

apparently yeah .

a little bit of autism.

So wouldn't be a guess on the show of without all .

that yeah .

all the excuses and not that any of them are not real. But I am a little sick of hear about at four, five times a week that so much film it's .

because i'm probably looking for a little bit of happiness.

little that is makes a bit more sense. What does that look like that we have to go three times are spending unhappiness?

What does live look like?

That's the reason I don't look at when you look at.

oh, just everything.

No, you look, 爸爸爸爸。

i am here with you.

You sure you're not like you didn't just go to like another portal.

Something did a lot of disassociated today. Yeah to get here. So i'm probably coming back to earth.

What is your I like that we to spend three times.

So I can't say it's it's bad. It's pretty cushy. I mean, I have .

minus .

cities that .

that excuse just old you not that all um okay what .

i'm past half of my life, so that's .

not be surfacing .

issues .

no what this issues uh like .

all traumas like .

I I gained .

a bunch away. I was wearing just sweat and t shirts and you know, at some point my boyfriend mentioned that maybe I could dress up everyone's in a while, which spired me to think.

how did that conversation go? Was IT said just like that? IT was said just like that.

That is pretty. Say, i'm sure we could have conversations about I like, are you doing now? My .

spending habits were under control. I typically spend real IT back in take hold of the rains, get my finances in order as far as credit card dead coast, I still have student loans and crazy stuff. But um so i'll pay everything off and i'll be in a good place for a few months and then something happens where I just .

so what then would IT actually be if to excuse me, so far are incorrect? So gaining a lot of weight .

has caused me too.

So gaining weights a trauma?

No, no, no um I gained the weight during covet the trauma being in twenty sixteen, my long term boyfriend of twenty years, my high school sweet are passed away. Yes, together. Yeah yeah. Since ory I saw him.

Well, look for like a decade .

in a half.

I am really sorry. When did that happen? two? Twenty sixteen? okay. Um that's hard.

So things have been I never grieved properly.

I'm just going to say that I all them but I know it's listen. But a decade later, we spend like because of that like ah .

what been happening are you just continue?

Are you trying to find a reason or is that .

just bad habits? No one ever taught me about finances or the value of a dollar. So if I have a little bit.

when did you get current boyfriend?

Oh um twenty eh I don't know. I'm bad. I'm bad at these things.

Well, got fat in and cover to the same size. It's okay. It's like IT happens.

I get IT. yes. So general being down and myself thinking.

you know, the instant gratification of spending a little of money.

a lot money, you have already achieved the boyfriend and I can get a girlfriend is like you already have the thing that is necessary if you're looking good um but not that shouldn't have self counted that but either way either way, either way way 所以 you be just self down but you beat yourself down on your job。 You beat yourself done on your income, beat yourself down on your weight.

You know you do what you can do to try and make yourself feel good.

Yes, yes, absolutely. That spending money. What up is me down? hover.

If I could describe the holes ultra OpenAIrport, I think I would describe this as very famous IT can definitely be something that you can store is like iran. Chi, check out both for more. yeah. Okay, all office.

I don't .

have offices, are you? Thank you.

Oh, OK, I mean, zero to ten, zero being the absolute time.

being the absolute best. Where do you think you are today? Your finances, just your finances and yours I believe .

i'm a zero sense as a realist .

try to be .

um probably more like a too okay you want to him and financial orts free .

link in the description below and if you want to come on the show kham t com slash apply can come here and you can send a portal in the middle our studio right? So that's good good. Yeah are you an extra and eggs a along capital one over getten to IT?

Okay, I knew you meet .

marylin manson. Now, I was told that, yes.

several times. This was just the most recent time that I didn't have money to spend on me. And great ticket.

How much is the meaning of maryland? manson?

five.

No, he's fell off. Okay, he did.

IT was his come back or and .

did he come back?

Yeah, he's sober now. He's looking good, feeling good. So god, a props for that.

Yes, sure. Six thousand, four hundred and twenty six dollars. Seven capital one card.

Will they? One hundred eighty two darm the payment, the crazy thing here and what I was talking about the beginning, i'm in, we are no, you spend three times that you brought in. Now obviously that I can be reflected on these cards.

This is the majority that actually went towards a couple of credits from returns, but payments four hundred thirty. okay? Why we paid more than the minimum doesn't matter.

We spent five thousand, six hundred seventy four dollars, thirty three cents. How possibly when we are a cruel? Wait, wait, actually, how possibly like this gentleman? How possible. Because that is, again, new baLance access to foreign five. You have a credit limit of five thousand.

Yeah, why do they keep letting me charge?

Absolutely stroyer.

I'm i'm gonna pay IT off.

I just want me onna pay off. You just, yeah, you would probably struggle if you spend the amount of money plus more than there is on a credit limit. Now you will be shocked, all right.

If you gna paid off or into paid off, you don't make this much money. You don't make this much money on monthly bases to pay this up. What do you talking about that is make, he says you would have to put all of your money of two months earnings, no expenses anywhere else. And I know you have expenses, yes, to pay this off. So you mean I just to off limit, you spend double what you make in a month on a single card?

I mean, i've done that before. I just don't really know .

matter if this is how we are today.

Yeah, and I in IT continues to happen. So like even if I were to come in with some money and just pay IT off, i'd probably go right back to those old habits, which is disgusting. I know what I know.

if you know, and I everyone.

okay.

why don't you do anything to fix IT? If you know what? If you know .

IT um don't know where to start somewhere .

would be preferable.

Often feel hopeless. Not really sure what can be done.

I to dead I just know .

i'm talking about when you .

get back into the dead the spending that has gotten you there and you know it's bad. You know it's a Better habit why having you trying to prevent yourself from doing IT a good prevention tactic about that? How about I for a slight solution, be beneficial about I offer a solution, don't have credit s then you but yeah it's not my money.

I get IT you can be .

agreeable like that because if you get IT ah you know I am on yeah but i'm just going to do the opposite anyway that's how that works. You to say something just so good if you agree, then you wouldn't have credit cards.

The instinct gratification just is so overpowering .

of what gratification of what just what is that a good thing finally hit .

from um getting a good deal or finding something that you've been watching for a .

while is possible to do if we know over the credit list.

Oh, and I was just looking at that as I was sending over my records. I was like, holy crap, excuse me, why am I saving one hundred dollars here, returning rebuying, getting its sale using a coupon? What have you, however, to get a Better deal when now I have a minimum payment or like you're an interest of one hundred and eighteen dollars on one of the cards I just I just like how am I just becoming aware of that?

How is to take off just in your mind's y pains without even spending on IT, which we know you're capable .

of of how long does you take the pay of um before I got my new car, I how .

wrong going to take pay off was the answer that I the question .

that I asked six months, six months of suffering, six months yeah you'd be .

sixty five when it's paid off. Oh.

twenty three years. See, I don't understand how money works.

You really can have access to a credit t yeah really think it's time .

to you .

can use a card dict. This card is a deb and actually a debit card. But IT builds credit like a credit card.

You can do that. You cannot have access to all this and limited money. You can you can only spend what's in your account, and you just can't spend any more turn off over drifts.

You just can't. That is all you can handle. You have no ability to change. Now don't give me wrong. Where are you going to give you the education where you're going to give you the tools for free? You are going to go to the deck class.

So you know how to pay off that the most effective way, how to manage that and how to actually utilize that in a beneficial way. You're going to go through our budgeting program so you can take all the quiz, learn how to budget, learn how to look at your stuff logging into a budget, actually build and manage and stick to IT and be just modifies. You go to our investing program, you'll go to that. So when you are ready for that investing part of the conversation, you will invest adequately for what your investment profile is based on your life. You can go through, go through all the quiz es, go through everything, join the community, talk to people, go through all that you are for free by begin the guest, okay, go through IT and take the education so .

I can actually make your life .

yeah I think I am missing that community and is huge for ancient. Now my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space. Online, we have a budgeting program where I teach you how to create, manage and revolutionized your budget and control your money.

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okay. So the spending on here that that's what people must be asking. How did he possibly do IT free people tell, just tell me about free people. Just, please, just tell me about free people.

So embarrassing. So that's my latest type fixation. Like, I just want to eat the same meal for three weeks at a time. I want to shop at the same place for the H. D.

Are we seeing someone to address this issue that if we get hyper fixation without any good cultural mechanisms, we're not seeing anyone than we've just given up? And you're accepting IT.

that is eyes opening .

is .

a good question because early, I stopped taking my medication recently. So i'm why i'm wondering why connected why? Because it's expensive to see the doctor and the medication you .

could probably get be a tower health. What's your insurance? And is IT more expense than spending five thousand hours .

and free people for your .

situation? Comes doctor.

six thousand .

dollars .

words. Yeah, cope, cope is what is taking out of my page every month, right? I don't know, I really don't know.

Okay, OK copy. Do every insurance .

card on you? Yes.

give IT to me. I might be to tell you, you can go get IT OK.

Look at this free people spending. Every line on there is basically a free people spend. I.

Kay, first of all, in network, go somewhere in network is two thousand hours a year. Yeah, give me come on.

IT was just pissing me off space. Let's not say it's super expensive or not affordable. Let's just say I was pissing me off spending that money to see a doctor and the hops that you have to jump through in .

order to get your medication.

What you mean getting diagnosed?

Did that one of the other .

g you have to OK you to see pay out of pocket for that? Yes, probably to see .

that you're not interacting with things that you not around and that the cause in issues is very reasonable. They wouldn't know. No.

but I feel like you shouldn't be treating me like a criminal to get to get my life saving medication. I should be able .

to get IT without heavy. You look like you sit in a circle of knives .

every night .

before you .

go to bed.

I would do a test too. I really culture children here. I don't want see your names O. Yes.

so you saw that on the card. It's got that info on there.

I tell i'm just being safe.

No, no, no. You saw yeah the deductable staff. I shall know that oh.

you've been in a adult hood. Way to on to not know things, i'm sorry, like this is a simple reality. Health insurance, very basic, very basic, literally just there.

Or we can ask someone at the front desk, either way, the hoops you have to jump through, making sure that your heart is interacting with the wealth through E, K, G. And you can train you. Not an inna drugs, this seems are pretty okay to me.

A H, D, what? what? What is IT? Well, like, you know, the addictive substance, right, right? That people can often abuse, turn into other substances.

You know, they can, will not, not turn into but they they often turn go to Christal variations yeah or part three variations yeah ah I would drug test you too. That's probably just basic safety. Those are the holes you have to go through and also two thousand dollars. And then they cover eighty percent of every expense after .

that in that ork. Yeah ha.

which you can find. You live in the awesome tropinin area. You can find in network is not difficult. You are a child, you are a literal baby. Come on, like legitimately .

IT sounds .

like too much work. What you mean you call to have a phone there IT is go, go, go call. This is easy IT probably on the website. Are you serious? You know, you're right.

Livia career further Foster in just two days with a harvard professional and executive development program, adventure leadership skills, craft smarter business strategies, build your network and transform how you work and think to career moving forward. You'll earn a certificate and can add harvard to your resume with harvard professional and executive development. Learn more. A professional 叫 D C E dot。 Harvard got E D U sas modify.

It's too much work to spend ten, fifty minutes. So suffer for the rest of your life if that if if it's too much work. So you've just given up on your life, then fine conversation done.

That's what you've chosen. You're done. You've given up. You have concluded life is ended. No, do something.

Act like an adult that lives in this world. serious. I want to deal with that.

That be what happened.

Yes, because you stop your medication without doctors.

Yeah, yeah, without time. Thought I knew Better .

when you don't just quit medications without talking to doctor. This is, this is.

I guess I need that.

I guess it's true. Are you potentially win or you you can put on a weekly basis so you developer copy mechanisms around this, this is simple stuff is IT. Yes, OK.

Are you that seems like a mountain .

OK OK which okay, fine and might feel like that I might be down team because you haven't looked at that. Okay, let me um let me respect and from there then maybe we just take baby steps, go just, uh look at therapies in my area if you can find anyone that works within you know except uh, insurance some don't some do I just figure that out. Maybe started seeing someone, kay may be so there.

I'm trying to get in into the whole southern thing. You like, I like, very polite. Everyone's been very polite.

good. Yeah, it's a plus city. Three people, three people, three people, three people, three people, three people, three people. This is one page. I was thirty two thousand hundred thirty eight dollars to three hundred twenty dollars, two hundred thousand dollars, hundred thirty eight dollars, one hundred six hours, hundred thirty eight dollars.

And we actually switched up with the ross and all these three people say, one hundred and one hundred share day, one hundred eight dollars hundred, eight hundred hundred six doors, three hundred dollars, two hundred nine dollars, four hundred thirty nine dollars, three hundred twenty two. This is thing. Know that also, we get a hotel thing.

something at home with, yes, hadn't gone on vacation in many years, moved down here, plan a vacation .

with the boyfriend.

We, if you, I covered the hotel cost, everything else was covered. Yeah.

you don't have any money. So I no, he didn't. No, no feel, I feel like .

give the vacation .

a happy ending. I promise you'll be good to be, get enough for him four hundred thirty. You he's your boyfriend. I don't care what you guys do.

I was making a joke but saying you about looking, pick your your boyfriend ke not little boy in a guna. Trust me. You mean you don't subscribe to the post show.

do you think I know what that is?

good. You don't subscribe to the post, do you? No good, because you don't, because you don't have the money.

But if you saw what we were like behind the paywall, IT is routing massive, just not in sanity. In fact, there's the living room. Sake, oh, my god. So I don't need to know this. At least .

i'm not spending money on that.

Spend money on that. If you don't have any spend money on that, are you kidding me? Okay, what are you buying? Because i've only gone to half of this and there .

were hundreds of close. I don't need .

tell me for I am losing effort right now to this conversation, as first day after that disgust a bit for a second. why? What were you buy for six, six, please.

shoes and clothes and bags.

shoes and clothes and bags. What kind of cloth kind of ags is? What doing?

I was trying to gue.

yeah, what is this? what?

What update? Get a little Better confidence in my OK that mean we .

five thousand hours though?

Well, every item from free people is like one hundred and fifty plus doing.

Maybe we're not going to free people. That is your choice to go to free people specifically. I never to hurt.

Now it's free people right now.

At one time, there will be, there will be. I get high for fixations too。 I do usually, as meal related things with you, this gets created.

Oh, I just eat the same thing over and over.

Gun, oh, yeah. But guess what? A, there.

yeah. Well, IT all stem from a comment that my lovely boyfriend made that probably he's not even to blame. So, you know, he said, you look pretty address, i'd love to see you in a dress. Why don't you ever wear full dress and then I bought.

he wants to dress on and you'd said, girls, when we talked about him having closed .

off and well, just because we don't know each other like that and and know we are going to be talking about that.

So so because he said that you hyper fixated on free people yeah because .

I was trying to find myself like my style, like what is my personal .

style and I fancier no go with, did you go with him?

He has come with me a return stuff.

Yeah, we saw some return, but he doesn't even come closed.

I return so that I can buy more. That's insane.

How many different individual pieces are closing to?

Yeah, let's break IT.

Just on average.

That is that I don't wear.

Why don't you wear?

Because i'm more of a collector.

Yeah, thirty six. okay. Thirty six pieces probably.

So looking for stuff on, say, although it's probably closer to fifty.

that people, you know, okay, why free people, how do you get fixated on that specifically?

Because i'd like to think that i'm boo hoo shek.

I don't know what that means.

My boyfriend says it's more like hobo. He thinks I just just like a homeless person.

I'm sure the'd be a funny joke. If I knew the first partment.

i'm gonna design a bindo.

I don't know what these words are.

It's what hobos Carry. Is a stick with a bag a bino?

Oh, I thought the sticks that you had like ones the cast bells .

on people no, i'm not into that sort of thing.

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what is this? Yeah like the what the packages the packages .

keep in and then no and that is .

another problem too. Now that is an excuse, but you you don't know if .

it's gonna work until you .

actually get IT.

probably people close rock.

but then i'd be there in person and they would see me doing the bad things then I do with my credit card. It's bad enough when I go to return and they know me by name and they're like, it's the girl like returning on the listen.

this sounds more like a perfect ation that is you just going and literally taken a little bit responsibility by going into a thai st. Yeah and working on coby mechanisms .

okay yeah okay.

We have adult, have a little discipline and self control of sake.

Yeah, being an adult is hard. Yeah tried to be funny.

That's great. So that's the adequate for this conversation. That's this is the place where you should definitely make a light of your situation where you're literally destroying your entire life.

good. you. If I don't laugh about IT, I will cry. Maybe you need to. No, because once that starts happening, I might not stop.

No, i'm not something I wanted to cry, but just like making a joke out of IT. This is not a joke.

This is not. You're making your .

life a joke. So in.

I don't know, like that's a four o one, kate, right?

I can be as a retirement .

of vehicle. There's probably a thousand .

dollars in there. I have no clue.

I see. Okay, we can agree on yeah and you shouldn't .

be laughing about that.

No, it's we're making .

light of IT because it's a real this is actually impacting you.

You can have kids with this man. No, oh, no. I don't want to pass this on to somebody else from this. Whatever is happening up here, I thank you that I need .

the therapy .

for the medication that whatever .

do A H is not like. The crazy thing in the world is not like you you actually like you have, like you'd pass .

on like a crazy rare form cancer .

or something way you do IT .

the way I do.

You're not seeking any help. You, you're not allowing yourself to do anything. Yeah, i'm treating anything is bad. It's you literally your choice at this moment, so it's harder for.

So thanks for giving me more fuel to hate myself. No, you're right. You're right.

You're right. it's. IT seems like such a simple thing to fix.

No, i'm not saying that it's a no, i'm not. It's a little thing to fix. I'm saying the steps you can take a relatively simple to at least start managing.

You're honestly, let's be honest, the way you talk about this, the language you use, you're using IT more an excuse and a process inside of an actual problem in your life. Let's be very honest. And everyone tries to someone show when they get little push back, little push back immediately.

Oh, it's a mental health thing. Everyone needs to have a mental health olympics in terms of who as the word's mental health and eventually what becomes hard and that is I don't actually know who does that this point because who can I trust? I don't know.

It's the victim of olympic. Is the mental health olympic? I don't know, and I do believe you have this and I believe you have this actual issue.

But congratulations, you not take in a little step or take getting off medications without even talking to a doctor is stupid in your choice and that's being a dumb child. You even know how how to look at a health insurance card. So this is like a three thousand and sixty seven hours on the quick car with a one hundred four hundred million payment. Seven, four dollars eventually matter, because a thousand and four hundred and sixty hours to spend the create limit. Who what I thought take seventeen years to pay off the pay spending.

I hope that's a joke.

Also, millions of people have eight H D. Doesn't mean that is that people live like this.

yeah. I live like this. yeah. That's i'm ready for a change. This is, I can't live .

like I are you? Are you? Yes, please on how you ask.

I don't know. Why do you want to change double that? Give me why we? why?

Because I want to be happy.

What's making happy about this change?

Struggling financially all the time because IT address .

ss in your life would also be less stressful that to make you happy. So just suggesting .

a horse ah.

I would like .

to possibly own a horse one day and .

that's real.

Yeah, yeah. I ve always wanted to live on a farm, or maybe like dig a little hole in the ground for myself, you know, away from .

people gost. We work from so realistic to just dream, and that are horses and realistic tic.

I'd like to move to the mountains.

and you are not willing to move three hours .

for a Better job no um but I am willing to try and change career parts or do something different maybe hone my skills to .

make money I get in. We're gonna have you just like every guests go through course careers free uh uh, many course. So that other lines with what course you should actually take to get what certification you should get for a Better career, we can do that.

We will give that to okay? yeah. And everyone should go to that looking to change crews or update the sum.

And that's great. But that that does not get back to my main part of my question. I'm trying to figure out what would make you happier IT in out of this.

You immediate, you realistic about same. I be happy because there is less stress. And then he said to get a horse and you lost me there. I'm talking about just getting out of this what will actually bring happiness .

by you change in this around and I know I think like actually getting the help .

that you've suggested um changing my behaviors .

for the Better anywhere I need to fix that. I know this .

is a correct okay, maybe you're giving me the action that you need to do, but why make the sacrifice in everything? What is the point? How's you going to benefit your life in your view?

Oh, i'm again not having any children, not have any family around IT would be nice to have a retirement plan, something where I know not gonna .

what are the kind and family?

Well, because I have nobody, nobody for support. nobody.

You don't. Your mom, yeah, yeah. What do you like? Your mom? She's.

she's, yeah, I talked her. yeah.

Where is he .

in arizona? SHE just retired.

And SHE went here on good for her. yeah. okay. Do you .

want to go near her?

no. Do you .

want to .

convince to come near you? no. why? And and I didn't want to.

I know i'm in this a loan. I'm on my own.

You have a boyfriend of six years and you guys might get married except you hate marriage. But so you might not. But tackle the action. Get started with one hundred and fifty dollars. Once first, five doll that wins.

Fan dual and official sports put partner of the N F L twenty one plus in present in illini first online world money wage, your only five dollar first of ponds are required bonus issue with bonus r seven days after reactions apply terms sports book gambling problem called one one hundred gambler. The way you guys together, you think, is going to be your life? Partner.

oh my gosh.

I don't. You are. Child, oh my. What am I dealing with?

哦， where did the time?

Where did we find you on the?

I don't think about these things, so I don't have I don't have an answer for that.

What culture did we pull you out of? I I don't know. I don't okay. So we to be clear, we don't have an answer other than you just want to be able yeah.

I don't want to rely on him. I don't want to get married to him for money and then hope that things work out. I I would like to own my own property one day. At this rate, there's no way in hell i'll ever be able to buy a house.

Yes, when you spend three times, you're in common close. No.

so I wanna get my act together OK. So how is you go? Yes, some land, some animals .

sound .

like fun. You can sacrifice them. no.

Okay, on here. Bridges restaurant, bridges restaurant, Hilton, oh, yeah, yeah. H event merchandise.

Dog house. No, that is not animals. That is hot dogs. And brought jeans, pitch shack health hotels and ebay. You getting an ebay more free.

People.

oh, my. Was part. yeah. We can turn on the A, C, you to turn them. I want to the bus.

Thank you.

Would know what? Delhi gracie farms attacker B, J, S, restaurants more ebay, ebay, ebay. The three ebay were also.

yes.

did you get their entire thing fall line? Yeah, that's crazy.

Do I know what Better than the employees?

I also get, I should work there. No, no, no. I legally get I perfectly on things, things when I, or maybe I should. Favorite is everyone's favor thing when I say, I have a tesla. But when I went to go give my tesla, I was high perfected for three monthly up to IT.

Like you research.

yes, but that doesn't. But I ended making educated choice in the mean, smart and doing something I could afford.

No education? no.

But i'm just saying you can be a hyper fix without being a dump. P, at the same time, you still made the choices and actions .

in your hybrid ation. Yes.

twenty nine percent. I freedom card.

Just open .

that freedom. And I I am glad you have freedom because back, you know, back in the day we were drowned people like you, four thousand and eight hundred, twenty one dollars and ninety six cents. Seventy dollars and ninety cents.

Okay, again and again, oh, it's interest free. I that even matter. I'm sure you can hold the bounds and tell the interest is up. No, no.

that is not the plan.

I have, not the plan. What plan do you have? Look at the other cards.

You have max them all out. Let me see. Let me see. Let me see. Oh, this once max out, right? It's right there by, like one hundred box, one thousand nine hundred open that.

Like I like just open that.

And then I maxed IT down, and then I spent one thousand and hundred dollars come on talking about seventy dollars and ninety cents of purchases. Are you kidding me? Free people, free people, torches, free people, free people. Joan, there's what to give you, what you get in fabric for.

to eventually make clothing? H.

I made a joke. joke. No.

I see fabric. And I won IT, and I think i'm gonna do something with I put at his now become a pile of fabric that has no use.

You are not getting the fabric to make a boot going. Get this in time of moments.

nostalgia. So um I bought a clock that my mom used to have her clock. Now, you know, that cat clock with the tail that wags and .

the eyes that go, oh.

my goso. I saw IT. I had .

even the one SHE. Don't, no.

no.

that s more. And were roll around in the free people, posh mark, three people push market again. What is the interest for period end? H.

I don't know me. You just still means .

you're planned to paid off before the interest period end. How could you have the plan? If you don't know when the .

interest period adds, i'd have to get back to on .

that and look IT up. That's how this work on you. You are you please you you'r Epace m e o ff. You started actually pissed me off and funny.

I pissed .

myself off. Not enough, not enough. You clearly don't give up. You am sure that is a desire in there, a desire in there to make this Better OK.

But not even close to a strong enough desire more than your desire to go and get fabric. The money you spend on joe wes find. I'm sure that in here somewhere.

Massive sanity in here somewhere. See john. Hi, join.

What are you? john? joan? What's in not? Not a lot good to stop. No, not joan. Sorry, peoples.

oh, I bet .

i'm disgusted .

with myself. Also .

expires like june twenty five OK.

I got time .

kind of, when you spend the money, spent three people, five thousand eight hundred sixty nine dollars, five thousand eight hundred sixty nine dollars. You kidding me? Listen, i'm open up.

I'm opening up mumu. I love going to mumo. My investment is my brokers, right by internet, the S. P. Five hundred. Okay, first.

Well, if you literally just had put five thousand, how much was that? What was that again? what? What's possibly five thousand and eight hundred sixty nine dollars? five? Well, I don't need my phone with that. I was going to actually, dude, in the up and i'm not buy in five thousand, eight hundred, six hundred doors of, well, okay, actually, if you don't even even buy that, I think they're they are interest on your money for like three months, eight point two five percent as a promotional thing. 设备 当成 能。

If this is difficult to you.

it's not that it's not my difficulty is trying to bigger you out.

man. Oh, I haven't been able to do that.

So let's go to work. That's so good. Our cks help. great. Hundred sixty one dollars a month, a month again.

Or you could have SAT there, and you could have got five hundred eighty dollars a year. And like the S. M. P. Five hundred, he had .

stuff like that. That would make me turn this around because I am not aware of, you know, money.

you know aware of money. You're forty two, you have access. You have access to. I I can accept that excuse anymore. Really can, unless you're under the age five, I really can because you have had decades form actually has a Better around that long, a decade access to youtube to learn things.

You've had newspapers, you've had library's, you've had the internet, you've had google, you've had the ability to search, hey guys, the anything I should be doing about money, you've had that ability. You wouldn't have had to know what to do with money. You have the ability to seek out, and you choose not to. From eighteen to forty two, you said, i'm a child, my life sucks and i'm not ever gna try to benefit in in anyway because i'm a perfect little victim.

stunted you. What does that me still a child like? I don't I don't want to grow up on a toys er as kid.

This is. I only get someone sitting for me. Um you're doing that.

You're helping life.

Very helpful.

Sure, please give me a second. Dude, I have no pendants your table with someone as you. T man, I don't.

I didn't expect this. You, so lesson before research. Woman, perfect.

Que, you just get into that. You are just an absolute child, child. They're an actual kid.

You're an actual child. There's nothing I can do about that. There's nothing I can do about your majority level exist.

Me too. I'm just i'm contemplated the benefits in toxicant of in the early. They would have set my team and I would get that time. We have to recall a potion anyway, no matter what. I'm anything, though we've proven you can do IT without the best be in here when I kick that one guy out.

So whatever IT, what does this car? What does this car? super? O, you gave a super u yeah ogly thirty six months, which is great for the show. Terms of terms, we paid off in two years. So you've had a very year.

It's A. So I thought my credit was Better than IT was I had all my credit card debt paid off when I went to get this car um then they ran my credit long behold, the interest rate is not that good. So I I mean that .

is baked into the least, by the way.

Yeah, I got the base model though like I I was trying to not spend new yes, okay, but I have a reason for that. Are you .

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To you. I was looking to models and the car market at that .

point in time. A year ago.

I was OK wasn't twenty.

If you went to one, yes, sir, but did you not call more than one lot?

No, I totally my car. And then the next day, I went and got a new car.

You have a boyfriend.

You had access .

to uber for a little bit.

okay? Well.

here we are. We can have IT when we're done this on a lesson for two years or now, please, IT doesn't really make sense .

to buy and out. No, the goal was to fix my credit.

It's your kind score. You have three maxi cards.

I don't know. The IT was six sixty six or six sixty nine when I went to go least the car, and now IT has dropped down to six or two, six o two, six two.

And my bike hurt you. what? something? Because just three times.

I know, I know you try some things in front of me years, I know, but you do not have to repeat three times here. Okay, well, you're in IT. You're in IT. What are you going to do? At the end of the least.

the goal was to trade up to a nicer model. But I don't think that's gonna happen. I do not .

why do you think that's not onna happen ah .

why IT seems like I can't be helped even though i'm asking for help.

I'm trying to figure out now what can happen? What do you think that can happen? So what you said, why? Why explain that? I want to hear IT.

because I don't want to a live above my means anymore.

You, thank you. Thank you. You, you did IT, that is the actual answer I thought you were going to you. Don't anna live beyond me? Are you going to think that in two years from now, we're gonna get to fire them under your bug for two months?

I don't need a nice or car. This car is nice. It's new. It's reliable.

All that, are you saying you're gona buy this out?

No, I don't know what to do. I don't know what .

to do because I had a point to be by the end term number.

They will tell me that at the end term will .

tell you that now, oh, they will theyll tell you that at the beginning of the term.

they said, IT probably increase in value.

and i'll get you yeah, if you like, or increase in volume.

Salesman.

I .

know maybe .

OK. What you don't know what IT is. Do we know what IT is, guys?

Do we have to do? Do we know what her do? We have her bio? Because we can calculate if we know her bio. Your statement didn't have anything on .

and I think that was the total was twenty, twenty six thousand in the beginning. Yeah, yeah.

How fight? Pretty .

confident. I think I shot for a car that was around twenty three. And then with all the things that come with leasing or buying a car, IT was around .

twenty six thousand. That would bring IT to a value of one thousand and five .

hundred ninety. Now I put in three thousand. Does that matter?

I had cat, yes. Does I say so, so, so, so. I put IT in three thousand, uh, and there was twenty six thousand. Yeah okay. So twenty three thousand. Well, the bio at the end, if this is correct, was at the car or was at the total payment though because my fears that in a bunch of fees and a ch, yes, was I put the .

car extra insurance month .

and came out sex? Or was six the purchase Price of the car?

No, I think twenty six. Was the purchase Price of the car good?

Then I have no way to. I think, okay, listen, if it's around ten thousand hours or under ten thousand hours in the value holds by then, sure, get a get a cash car and get you to the point of getting cash car or if you have to get alone on and hopefully, hopefully not, but we can get a small alone and put as much as this weekend. If IT is more than ten thousand or not getting IT, we're getting in ten thousand 那个 卡。

If IT is ten thousand hours or less with the values dramatical you the purchase Price, then we're not we're get in ten thousand hours s for ten thousand hours o that's what will do, but that's what will do OK. You didn't know what to do that over doing. okay.

Yeah, okay. I think that sounds rational. okay.

You'll do that out of the end. Return in two years. Check in out a hundred forty two dollars in here oh my gosh, this is a south spending a piece that chick flag breakage tap. This is kind of hard to read something breede o iran hot springs. It's just food or free people.

food or free people that's IT. Okay.

okay, when gasses tion get like an energy drink.

Yeah Candy.

how the room cafe name is that and couple bobs and big fans that .

are on right. I'm no, no.

stop. Don't get. You're gonna be perfect. They pyo rego chick, fully comb bomb chick, fully converse. Nice dally call, okay, don't please, because then i'm going to get hypercritical couple bombs. Modify ic poil combo poil combo comparable yes, I know poil means cobo bobs, then one now two hundred, one hundred, twenty, twenty five, twenty, twenty, then we fifty. And eighty going I really only .

use the mo for rent so many twice .

a month four hundred .

and fifty dollars ah yeah and .

all those extra ones.

the two hundred was to pay the dog sitter .

for the vacation .

yeah so I .

can why I couldn't boy, from making .

six years, years, years that he's trying .

to save money too he's trying to be responsible lady .

is a he but you the simple factors you .

cannot afford IT if he's I going to pay for things and you can afford IT you don't do IT yeah yeah he started .

to realized he probably should try and hold me a little more accountable.

Then went out four hundred fifty.

This all happened real .

fast and what about the other twenty and twenty five, forty, twenty, eighty, fifty where that i'll go?

I went to again trying to be happy um make myself happy. I went to like a record convention and i'm I started my record collection, which I do not have the right to start buying records.

But are you the lender?

Yeah .

that's IT. That's IT. That's IT. That's IT. That's IT.

That's all of that except students, which have just now become a problem again.

how much federal .

yeah maybe is your payment .

services .

and who do .

you log into? What that yes, how much and student loans?

That's a good question. It's probably I know it's at least twenty thousand.

What's your payment?

Oh, I have. I just signed up for the fresh start program. Fingers crossed, fingers crossed that a low payment so that I can work on this stuff.

Yeah, that would be the only reason I watch you to other than that, I you make okay money is something like you need anything, you don't even need help. And what usually those payment programs do, it's going to allow the interests just a crew like crazy because you're .

not putting anything towards IT. But are you like the fresh program is pretty nifty if IT holds? Yes.

everything's being chAllenged in court.

Yeah so but that i'm holding out hope that it's ten years of repayment on a repayment plan or um I think it's fifty thousand dollars. So whichever comes first, then they forgive the rest no. Well, it's more it's definitely more than that.

That's just what I saw recently. IT could be closer to eighty. It's all convoluted and ridiculous and it's to its overwhelming.

I was just trying to type something in and I believe I heard eighty thousand yeah that for you. What are you talking? He said, twenty.

How twenty do you have no respect for money? Do you not understand the difference to twenty and eighty thousand hours? Yeah how do you tell me twenty and then you're like.

IT could be close. I saw on my credit report, but I don't think that that's everything. Because it's like a bunch of private loans to a pretty sure with with Sally may.

I don't know.

Yeah that's how that's what's happening inside.

Enjoy IT just please a and need for a moments .

OK I might need one stop.

I want to hear your voice stop. okay. So to be clear, twenty thousand and federal that you get you your own repayment plan for right? right? right? Right yeah .

and you tell me .

ready really .

start paying IT .

going on the cause let's see i'm trying to understand fresh star fresh AR um bars defaulted loans while you're not .

to be fault yeah oh baby, were they in fault? I I think wages garnished for few years .

so moves to Normal this .

the most.

So you're just trying to get an into regular IT would be like two hundred and three thousand a .

month and then IT too much money. Well.

you can and then you can from there, you once in good standing, which is what you're trying to get to, borrows may qualify for income to retain bands. A lot of those aren't hold. I don't know if they are even get people.

I don't know they are even accepting people into those right now because they are all being changed for by the court. They are all firming. Is that sad? I don't know.

Maybe I, I, I need a direction. I need to know what i'm doing. Because whatever i'm doing.

you are telling me there are sixty thousand hours and private student loans.

maybe forty five.

Math is not matthee don't think you understand what I number is.

I know it's changed so much over the years .

yeah because you've probably not paid anything in the private and probable like ten percent of and you know .

the higher .

than that are, yes, you're talking about getting the houses up with this going to happen that if you're not paying on your ones, that incomes going to be absolutely sane, do anything. So they are probably about sixty thousand hours now, because forty five thousand hours and anything.

I think my schooling costs like one .

hundred and twenty thousand.

And fashion design, how ridiculous .

is where privates too? Probably maybe what .

international .

academy .

of design and technology in chicago. I initially was gonna go to the arts institute but couldn't afford that.

So I yeah the payment there was probably something like six hundred box of months. Now i'm like five fifty. But doesn't matter. That's matter because you have you have you ever paid one once? Let me paid in your private and .

loans I I don't know.

give create car .

on your .

phone yeah, probably pull IT up.

It's an at right.

Yes, OK.

where we're able to .

bring in the boyfriend for the hope show. He's here in the Green room.

Yeah.

he needs to know what he needs to. He doesn't know.

I mean, we don't have conjoin finances.

What does he know?

He sees the packages.

Oh good. This is gonna interesting. All this is gona be a post .

of um so I had credit carma I can't get into the account is saying that my emails not valid .

type in a different email that .

I might be yeah it's .

not let me mean okay. I think the more beneficial thing is that as is bringing in the boyfriend so he can just have conversations with you about this because I don't even have all the information without all the information almost want to do this. We didn't know.

It's not therefore ault. They only give me what you provide. And what we provide is we tell you to send everything. How do we know .

what if I log into? No, that's just the federal.

Do you have a credit tracking something?

Um yeah why credit wise through capital?

One 是 let me look， guys, guys, he has three things in collections. Are you hitting me? What is. This.

like all that credit cards.

has to be a prank. This has to be a perak. One from some banks, probably credit guards. And for six years, is a community another one from community?

Yeah, old hyper fictions.

relatively close to fall in up. If you've been dealing hyper fictions from that, but just not there, I think i'm done, I think i'm done. I think i'm done.

I think i'm done. My a lot to be done. Am I giving the ability to be done? Linsey, can I be done saying .

I can't be helped? I see. I even think that.

You get held. It's that I don't have about your information. I can make a budget here.

But what really is going to help you to sit out of the therapies and get copy mechanism ms for hypervisor tion? And we need to take this so that he understands what is going, so that he can support you, make a budget right now. Is I going to help anything? Because that is matter.

Because p, stop, stop. You stop. Because I don't. In the door, so I don't know. I don't know.

We're in the same boat.

No, we're not. What do you mean? We're in the same? What do you talking about? Yeah, your life need. But congratulations, you have to walk out of here, and your life is still your life.

I probably need a financial advisor before.

Maybe I can get you connected with our people that don't main money. There are great financial advisers. I work with them personally for my own money. They're great. I love them.

We can do IT, but I don't know because again, they can help if you are unable to literally log in to win account to profit up statement. Oh my gosh， oh my. I'm going to this is i'm gona lose IT.

I'm gonna SE IT. They are telling me that you haven't even filed last year's taxes and at the end of this year, what the is wrong with you? I've never asked on the show. I don't think what the is wrong .

with you being .

a child. I do do IT is plugging in play .

is the easiest thing to do, working towards straightening that stuff.

Where did you move .

here two years ago?

then? IT won't be a factor in your twenty .

twenty three taxes. I am getting built for old illini taxes.

I don't give a federal file your federal twenty twenty three taxes and deal with your linos stuff. I don't understand why you could not deal with less your taxes. You may have got in a return. Yeah.

probably. I was scared to find out what's gonna happen.

So just take.

make IT a bike. No, you just .

don't know how to do anything. You need to be caught or something. You need to see the surprise. That is the first happen.

We need to talk to the sky and he needs understand what is going on in your life so he can support. You can make a budget, because that can be a realistic budget in the audience is one. I don't make a budget.

Guess what? I hate when I don't make a budget too, but I literally cannot. And that is not the all of anything, that is not the all of any producers.

We asked you to send everything. You are not able to. We won't know. It's impossible.

So listen, I this is what is going to happen right now, and this is what is gonna happen right now. I am going to stand up. I am gna walk to the other room.

I am going to have a snack. I am going to have A P, i'm going to have a drink of water. I'm going to calm down for five minutes as we get set up for the post show, but I am done because I can not take any more of this conversation.

This is crazy. I'm done. Your hammer financial score is obviously zero. You have about taxes is what? what?

I A high chart. Here's your pie chart.

Okay, your pie chart is you spent for three times the amount of money you bring and you kiss me. Guys, this is insane. This.

no, no. I thought you want to fix your life.

actually. Go to the education like SHE needed to twenty years ago. Check out all three of our programs bundle together twenty five percent of that IT.

I'll see you in the potion. I'm going to take a moment in relax because I ament. I just sorry, boyfriend is what will call you? How do you? I am. Gr, taxes and hundred .

and you I know what .

you but and dating.

I don't know .

comfortable how much guy he doesn't .

paint the utility. So I cover a lot of that.

Yeah, you make one hundred thousand and five thousand years. Watch the click the drain button below I get IT. You need more financial audit.

So we've decided now in our membership below you get two exclusive else until every month, again, three hundred job. How much do you think you spent? I spent bi .

s seven.

Also three poaches a week for every financial order you're seeing right here. Youtube in the post show, we have an extra twenty minutes for every single episode. We go going to more drama.

We can't find you on facebook. Did you block on facebook? No, no way you can join hammer pro where you get every financial lot of ocean for every episode.

Priority replies to comments, customer loyalty, badgers and special channel modes for the comments section. Then there's hamer. If you're wanting more, that comes with everything from hammer pro extra behind the scenes content, jack just got a delivery of a sort.

A member stream every single tuesday with myself in the crew, he could break up the thirty day he's already decided to five weeks ago, couple weeks after her birthday. The increases, unlike up with the new years in OK day. Wonderful human guys. Wonderful, wonderful human. I do like SHE is a wonderful person, a great person, great.

One wonderful human, but she's just so me and he always RAM but frequent private streams with me throughout every week. Monthly member raffles for exclusive merch and two exclusive add three financial audits every month. And then for those who only go top level, there's hammer VIP, which comes with everything from hammer or eat and hammer pro plus. Thank you in the pink comment of every public financial audit episode, be an beta tester on our newest products were working on and a custom thank you letter for me personally met you after a year. Members help us maintains the ability during the upson downs of adds, and this helps us invest in making the main show even Better with every last month, join the membership guys, even dave, a part of IT.