Gen-Z Princess Thinks She's Smarter Than Me | Financial Audit
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when one part, this is not funning short of good.

Sometimes for .

some of my might me miserables, you are impossible to tar to. You have no breakthrough. You are a breakdown. All of dum.

hi, my name is page. I'm twenty six from Austin, texas. And this is financial audit.

Thanks coming into the studio. What do you do for a living here? And Austin.

thank you. Currently I work in retail. What do you do, actually? Lemon.

and you do have the time of work, but just say, what do you do? retail. huge. I am conversing.

Sorry, I so close. I walk. Dogs.

yeah, oh, you walked. Dog is a little lemon. No.

no, no. So I have I worked at little lemon, and I also walked dogs on the .

side side also. Okay, what do you make a lululemon?

I make like seventeen, fifty an hour.

Okay, how many hours week?

Uh, usually around thirty.

okay. Yeah, that would be pretty hard to live and awesome, and that's a little hard. So I mean, that kind of get us to about two thousand and months, any kind of taxes or anything just off that with the no time off, if you don't taking any time off, how much we can with .

the what we also get bonuses based on based on sales. So how often how often we on .

our second .

paycheck of the month go what do you Normally get?

What Normally is your account from the u. On a moth basis.

I want to say it's closer .

to twenty .

five hundred.

Okay, maybe I was still difficile to live off and off for that. So how much do we make from the bet from walking?

Walking usually do that about ten hours a week. So that's usually, like I say, three hundred dollars. No, sorry, three hundred fifty dollars a week doing that.

Our taxes citified for that automatically.

The taxes. I know, I know I haven't really .

looked at IT even do that.

I think I started well. I don't think I know I started about like a year ago.

a year ago. So there would have been a little old last year. You claim m the income from the dog walking under taxes.

I think IT was less. I think IT. IT wasn't that much. I didn't make that much doing IT.

Did you claim?

IT? No.

a popular up. Show me with the tax that set aside the taxes in the APP as alleged set tide OK for money. Is I think .

that is that's great.

Show me.

Or is IT like, is IT at ten ninety nine? Is that right as I was called maybe? Or is that .

what i'm supposed for? You aren't you put OK.

嗯。

show me the tax thing. I'm trying it's .

leading OK .

did you not join the guest wifi?

I did or IT says over fees. So I assume that what that is i'm .

waiting for IT the road. And I doubt I bet rover fees then making a little bit from what you're making so they can make money .

as a company.

The is you thought sip OK OK, uh thirty eighty hours for a set and you thought the rover fee of sixty dollars were taxes being set aside for you. What have we ever seen taxes being taken from us with the company's name in the word fee?

After that, I guess I I how .

do you think rover makes money?

I felt I was just out of the goodness .

of their heart. Okay, come on. yeah. How do you .

think they make IT? Come on. There's no ads. Why I assumed that I was taxes and how they were making?

why? Why do you assume i'm so confused? I don't know.

I think I just did.

okay. So yes, you are gna receive a tax form at the end of the area. You're gna receive a form form over at the end of the year so that you can use that submit in your tax returns and you will likely have to pay taxes. And I highly out with anything you can write off. Okay, how much is four hundred a month?

Yeah.

but okay when you don't make crazy money. But it's like even still there is the government wants their money. That's be honest. It's gonna happen. I don't remember a savings account.

Oh yeah. So I actually, yeah, that's true.

How are you going to pay taxes even if their little how what are .

you gonna do asking crit out? You like pick up more, like pick up more dogs.

or then you will more taxes next time.

That's true. But then i'll have a plan in place.

why? That's what, that's what everyone says. That's a stupid thing in the world. I am asking you questions so I can figure your life.

I am asking questions so I can figure out how you approach all this. Yeah, that's why i'm here is not to get out of jail free card to stop with that. Yeah, that's mk.

That's fair. Okay, how are you live in our Austin taxes on three thousand nine hundred doors? One party fill, party fill with some of that should be certified for taxes.

But must say it's not because we know you're not. Are you a gigi thing? OK?

It's okay. It's okay. How are you live in an awesome?

Are you feel I I mean, i'm done, i've done okay like most of the things that I like doing are like outer activities, but I definitely do not have like a lot.

Let's talk about survival and not what you do for fun. How are you live in an awesome? How do you feel?

Yeah, it's definitely tough. Like it's, yeah, I need, I need to either make more money or do a Better job with what I have.

Now why do they only have sixty and sixty one hit from payroll for in the last month? Hit your accounts? This is a super secret account. You didn't give us what's applying .

a thousand and .

one thousand two hundred.

That's so I like I have regular clients.

So so rovers actually a double dog walk is actually double two thousand.

I didn't think I was that much, but I don't know. I got a thousand .

fifty eight from apple cashes in the month, one thousand two hundred twelve from over. Yes, a payroll sixty and sixty one. Now that doesn't line up with your twenty five hundred, even double. That doesn't line up with .

the twenty five hundred.

You don't know how much you make.

No.

what's you're early ready again .

like seventeen, fifty thy and then said.

you always work thirty hours a week.

Well, like at the end, we get bonuses. That's what I mean. On the second paycheck.

we get a bonus s worth of statements. It's possible that maybe IT was missed one by a day.

but I make less than I thought.

I don't know, dude, i'm asking you for sake. I'm just trying to get the baseline, dude. Yeah and we transferred in from savings. So what was that would you transfer in from savings here checking eight hundred .

four that might have been wait to pay IT just went in to my checking.

You put seven hundred in your savings and you pull eight hundred, you know, two happy. I'm so confused. How do we have the side? Like how are we on that level of the a few weeks later?

I really.

I have no idea. Hundred dollars is not insignificant to you.

I was probably paying my credit card bill.

You put seven hundred in savings and took out a hundred.

I think I move money around. I H.

I, I want to ask this question. I I rose people and it's fun. And you know, we get your consent and everything for beforehand.

I want to ask you this out of just the gentlemen genuine now as an insult OK, are you dumb? No, i'm sorry. Like legitimately, are you not smart?

I think I really smart.

Okay.

just, I just, I don't have a great group of my finances.

Okay, okay. How much you think you spent in the month? Of course, you think you make a total of three thousand eight hundred or so.

That's what you think. Maybe it's little more or maybe it's little less. Oh, what do .

you think .

you spent like including rent .

in every?

Okay, yeah. How about number three .

thousand eight hundred?

Okay, five thousand, two hundred and ninety four, are you talking about?

I did not realize that.

and I guess that's why i'm here.

I was not going to say that. I was not going to say that, but I really didn't know that.

So what is going on your life now? I want to know we will jump in to the finances and just a minute or so. And what is going on in your life because you clearly, sly, have no knowledge about your situation. What you know that something where we want, we obviously want to help with and get you to a Better place. But what is going on in your life right now surrounding all this best description possible that you can attest to?

Yeah so I think for me.

I just moved here. Oh really from where .

yeah from my CarOlina um about two months ago.

Oh okay, yeah, that's okay. That's a big move. Okay for why? So I I have friends .

in the area. I was just really excited about IT. I always .

loved Austin and job.

so I kept the same job. I transfer my job transferred .

to lose to you lose?

Yes, yes. So I transferred from, actually, I started in north CarOlina iner, transferred that job out to australia, and then transferred IT to Austin.

australia. yeah.

I lived in australia for about six months last year.

And the are you, are you? Do you move every six months?

I I stay mobile.

But is the preparation and everything we do here not be adequate because you're going to move from here in four months?

No, no. Time i'm settling down.

Tell you get bored four month from now and see your dream life in york city or something?

no. See, I think I am really excited about Austin. This is kind of where I want to be.

Has the friends? Yeah, that's why. Yeah, that can be a good reason to I. I love music.

I love. You can get that .

a lot of places, live music, capital, the world show more live music. When is per capital than anyone else?

Just, I love the area. I love being outside. The lake is awesome.

I want in the city. I want to live in the city. I've never done that before.

Every city has a, okay, so I just like, i'm just like why you actually stay here, friends, that's an actually real reason.

I really miss community, like in on my travellin, like moving everywhere else. That was, that was tough for me. yes. Okay.

so you just moved here was .

going in terms of I asked .

what's going on with your life, that was the first thing you said, yes, I wanted you to resume that.

yes. So I mean, I just moved here. I'm settle. Um it's been great so far and right now I can just want to get everything in line so I can keep living in the life that I love.

What is keep living the life that you love. Get everything in mind yeah but just spend more money than you makes you, you would be going even for different line. What is live in the life?

I love what you're trying to get to. Well, I am OK with living frugally, like in my day, my life.

What are you talking about now? You're not. Yes, I don't think you know what frugal is.

Yes, I do. I mean, I really I don't think i'm an extravagant spender .

and you spend on five thousand two hundred when you think .

you bring in, well, I have IT so like like you recognize I move around a lot, but most of that is like for travel for like fun things that kind of thing like .

and I can end up being an x against spender here. The things you said, do you not even know words are.

yes, I do. But I just mean for me, that's what's important to like to travel, to see things.

Then what do to do is for gate. And that, I mean, there could be of no matter what you're none of the way you spend. What do you talking?

You're going to one eighty. Do you not know? You say, do you not know what any other things even? How do you know what things cost money?

They do I know they do.

No, then we mean then.

but I still, I still want to like, okay, so starting out how I got how I got this debt initially.

Yes, sir.

I basically. So I was living in colorado .

for four years.

Sure, of course, as another place. Yeah, I was what I skip up like. I wasn't making much money. I was ski, basically just doing all that, didn't have any that. And then I decided that I wanted to move to australia OK, so I .

could learn .

how to serve, did that. And then I was like, you know what? Let's keep this party go in. I want to go to asia. So then I spent about two months traveling around asia, got my yoga teaching certification .

because of you on.

because I want to teach yoga.

That's what you want your thing to be. Well, that's the passion.

One of the things.

yeah, what are the other things?

Well, I mostly just, I mostly just worked.

my gosh, or do I maybe but you spend more that you're not working enough to live your life. So let's talk about something. Every business owner fears running out of cash when you've got payable to head or a new project on the line.

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Yeah, we would like to avoid that.

I mean, I I what you mean.

know you not? No, I know I Martin in debt.

So why render you doing that then? That's a great want. Usually people that want something do IT i'm trying, you know, what do you know? You spend thousand two hundred more than you bring and yeah so now you want that doesn't make IT true.

Yeah I think I didn't realized how much money I was spending. no.

That is the most obvious statement i've ever heard of .

of my life to wake up call for sure.

Why aren't you doing IT? You say, you know, you want to, you say you want to. yeah. So why not then, well.

I work all the time, work forty .

hours a week with both jobs combined. Yeah, well, you don't know what all the time is. One hundred sixty eight hours in a week.

You work forty hours a week. So you have any point that has any kind of standing there is going to be both. It's not bush that was bushed and what you said before that was bushed. So where is the non bult?

Well, I just so I was doing a really good job. What does that .

look when .

I first came back from australia like I was living at home, but that's because I didn't really have any bills um and then .

we can all do well. We don't have bills.

I know and so that was good so I I like kind of got that in my corner .

and I was like this required for that. I know that's .

that's true. I think .

I just need .

to learn how to pay for the things that when I say that about .

like painful .

things you hear any of the things you're .

saying I loud, this is of wild.

I just mean, I just mean it's like I didn't I really didn't realized I spending so much money and I was like, why predict baLance not going down? No, I not.

Did you ask yourself then? When did you like.

obviously you didn't .

ask yourself, why .

is my?

Because I was like, when .

should I win? Probably like two month ago when you look documents.

then two months ago when you look at your documents, then two months ago.

well, I did look at them. I just looked at him.

then you would have found out because how much comes in?

How much goes out? Yeah, but I just thought, I thought that I was like putting more money towards .

dealing with right now. What are you? No, that's not funny.

That's funny. That Better be some copy copy. Um I .

just wait, I just didn't realize I bring so much money.

How many times you going to say that IT remains true?

But you could have looked because .

you asked yourself two months ago, you want to to know two months ago you could have find the but you chose not to. Yeah, we know.

we didn't know why what i've known about this dead? Like, I knew that this was going to happen.

Like when I to travel, I knew .

I was in .

dead. Are you got here? And then you ask your self, why is IT not going down then? You number.

And so I guess was more than two months ago. But I was I wasn't really facing realization like.

oh, we working in australia? Yes, how to luu? yeah.

okay. What does that? Your career? Me, it's okay.

I if you that wants to be, I know what the Better. What are you going to do? Twenty six.

yeah. What you want to do? What if you don't do? You have college. You have what?

Yeah.

I take out to college. I graduate college.

Yeah, I have my batches of my masters .

and economic, no way.

Yeah, so then this .

are you from this even matter from where do they not teach you what is happening? You graduated and with the masters. Yeah, guys, if you think your call has only come from a degree once this episode and now I like what like do, but you do not have budget.

Apparently not.

You don't want to .

do anything with that. I do. I do. It's really hard right now to find a job.

What do you mean?

Like i've been applying, i've been applying two.

two, two.

Like analyst positions, consulting positions, like literally I use, I ve been on linked in. I have been on linked in.

Well done, kay.

but I have been .

looking 好。 Okay, how many jobs to your pie to .

a usually like six a week.

OK a day, really me, you do not know, how can are people want these jobs that you can? Me, you think six weeks going to get. What's are you serious?

How many should I have .

be applying for minimum six a day.

a day.

day? What do you talking about? Do you want to okay, guys, we want Better value for money than apparently and economics agree and actually want to learn something our budgeting, investing and our deck glass about together at twenty five percent of next year. You guys checked that out. Better value, and you actually learn what of do with money.

I don't have one that then .

we surprised I going.

I do IT just doesn't have everything on IT because you can only do one page.

okay? Or I take, look, so it's from clumping. Okay.

go tigers baby.

LPL financial remote junior economic consultant, so we had something.

And then before that I was unlike what actually the same time I was only linked doing contract work for opp o and then during that time I was also doing .

like and Alice financial that is generated report you don't collaborate, exchange my self and turn yeah the it's not really shown your skills very well as the thing in my glue and I get IT and showing that you're at least having something after that made twenty twenty yeah and I have another .

book this is like.

I hate this. This is like demonstrate problems solving abilities in a fast face environment. Lui, I, I hire people.

You know, we have a thirteen person now. I hire people. If I saw that out a truck. Le, i'm truckling right now.

A, ha, what? I have my bills and I but .

it's like I know I get IT is like so not demonstrated thing I would try to thick up maybe that LPL and .

really take .

the bulletproof ts off of not necessarily is just like IT feels like a waste of a good point because you demonstrate the problems solving and little.

this is like what I already have this big gap in my resume.

because if you listen, a is not one hundred percent great for a lot of things are now. But IT at least give you the language often times that are scan through resume system so you can figure out the words and things you just need to happen here. They get in touch with the recruit in the first yeah so this is like, I don't know you could probably just fill these with more a algorithmic and testing language yeah .

ah because .

this does feel like a pretty mid result is not horrible in me on IT was good. I was okay. So I wouldn't really know what i'm getting from you. That's police with this. I think you have a whole story at the top lei looking to work with advanced tools like google sheet.

great.

So I can code .

glad we cus on google sheet.

So take that off.

Not necessarily. This is how you construct that. A dude IT is read silly. Okay, sure. I I the stuff on the right with your skills, with the data analysts in the programme, in the software and research and do as pretty yeah that's pretty. I don't know the rest. I would really beat up that the actual relevant job of what you're trying to applying to having the end of such that I mean, the internship is okay, shows fans experience but yeah so I I want to be full, put your curly working and I think that the top .

was so on okay .

my summary yeah okay yeah was almost like the cover page letter.

I have that too, all as you should .

and get to the business and a more competitive market, that's fine. And obviously, in more than six jobs a week and make sure it's curated for the job for and that is being able to run to .

those algorithm day is crazy.

You want stop working real for the rest life, not a bad thing if you want to. I don't care, but sounds like you.

I do my job.

so maybe do something about IT and be an adult. I don't know. Okay, so thanks. Where do you think you are today? Zero to zero being the absolute ten be so I why I .

like not that bad.

I'm going just ruin everything. It's not that about are you student a thousand two hundred dollars more than you make? I don't know what you're talking about and that's a subtil percentages.

I can actually twenty percent. What the are you possibly talking about? This is huge for financial lot. For a year 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.

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Sorry, stupid. What's not that bad? What's not that bad? I don't get IT what's not? But here's a giant credit card with interest crowing. Oh good, oh good. These things.

Oh, you know, all the freeze and off we Better go purchase two thousand and six hundred twelve hours more than we make from our day job in a single month on a car is crawling interest and getting dam fees and are you stop eight thousand, four cents nine. Eighty or ninety dollars of interest? Not know, I think a line smart, but then two thousand, six hundred two well, those purchases also known as more than comes in from luu lamin yeah.

Well.

what the two hundred and fifty six dollars of month the man I wanted pay me, mean, you have to work. Rose.

you can pay IT, I think like a couple hundred of that is I have, like a doctor. Sapp, intent. H, and what do you have?

Insurance situation?

I have insurance. I play what I have. What's the marketplace? one? Uh, I pay about three dollars a month.

three to cope. What duct 厉害？ What was your appointment? What is that? A brain scan?

No, IT was to check my hormones.

What do they find out?

I have a genetic mutation, but my horns are fine. But that my mom paid for because he was SHE was concerned and so I didn't have to pay for that. And so maybe that's where some of the money came into. That's where I was going .

with that five thousand four hundred twenty one dollars and eighty three cents out on here with a minimum monthly payment of two hundred fifty six dollars and twenty accents. Yeah, its purchases of insane, insane. You are not a critical person.

You are even close to your critic person. You allowed fees and interest to a crew, yet you spend more than you make from your day job in one month on here. Are you kidding me? You need use something like to face card.

It's meant for people like you anyway, it's the benefit, ted, more the, you know, Young to adults like us. So use IT as a debit card that builds credit because i'm sure you care about credit every line there, so many items at all. What are you getting from the salvation army when you get in?

Well, I told I just moved here, so I had to furnished .

my apartment. Why is everyone saying had to when i'm sit on the floor? sure. When I moved here, either cheap air mattress, and I moved to awesome, trying to get out of death, trying to make IT. I literally had a cheap air mattress that I slip down that was pop half way through for six months, three months I was pop, so I D like before i'd go to bed in. Luckily I, after I fell asleep about an hour later, deflate, but I was asleep.

So matter. I women love.

Well, I had a roommate, so we stuck to my car at the time.

But yes, so I do love to thrift. That's probably .

my biggest vice o rifting for six twenty dollars there.

I was my biggest vice but yeah .

into biggest vice. Apple bills on for subscription and James, who the working something amazon, amazon more draw ruby iti kitchen, ruby iti kitchen and spotify, thousand two hundred you make a month. Maybe you should use a free platform like youtube.

You a car wash. great. You have an awesome Sandy. It's not snow. We don't get the sault don't drop a bucket of water on your damn car.

I car across the ross.

the country from t don't know what across means your way. McDonald's, more thrifty. doctory.

Amazon, the na, good. Yeah, you can afford that. I can.

Sandy's hamburgers. American air off for seventeen. Seventeen, you go. What are you going? What you doing is, first, you going so much. Why does not funny for yourself when you try guys the big but here's a medical thing in american, right to america, what and .

going litter land?

Oh my way, when part this is not the good .

in january.

Your wife is on the line here, dude. And it's clearly all a joke to you. Don't give up, I know you don't your left and do this like it's all the joke. Ha, a destroy my life gig gig. Le, no.

i'm going to, i'm going to switzerland in january for a ski trip.

And so IT now it's cheaper to go there. It's cheaper to go there.

Then IT is to go to call out to.

it's cheaper enough, do anyway, you dumb human?

yeah. If yes.

what do I do here? then? What do I do here? Then you don't make money to spend a thousand and I to spend more than thing.

What are going to do? You know what you think? Because vice, you know, well, into sacrifice you going to do in the thing, what am I supose to do here?

What am I supposed do? What could I possibly do? What can anyone do? What could the producer do? What can they do?

Talking what I do, the spressly are the other as to do, what could we possibly do? What can anyone do? You're not going in to cancel your that you want the most.

What can anyone do? You know yourself. You are you. Thing.

what are you talking about? I think I think if I I can just save.

save. You find a thousand two more than you make what money or you .

save me because I booked that IT.

It's seven hundred dollars. What's bigger? A thousand two hundred and seven .

hundred thousand two hundred but I mean, it's not .

i'm not doing that. A ro stupid. Thank you for that.

I just mean that stop acting IT.

That's not .

happening every month though.

I'm what do you not understand that a thousand two hundred doors is more than seven hundred dollars on a monthly basis? Do you not understand you to do for you to spend more? You don't have to do this for you to spend more.

But I want to go.

I wo. What the do I even say to that? What do you say to that? What what you want?

What I mean.

I I am just send you away. What do you want me to do?

It's going to be awesome because I can go back in other areas like.

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its marketing partners more. I'm just been anymore .

to eat you there.

You going to eat when i'm, but not like crazy. Am I going eat like that resort?

You manually eat like a feed?

No.

I don't kind of you don't like crazy.

I don't know, I don't know. I called .

that all these restaurants on the first statement.

Well, I just moved to Austin. That's why went to in order.

That's why of sake. Why do? How are, oh my god, if this show has exposed anything to me? This is, how many people like you are out there?

How have we survived this like our species legitimately? how? And you're the qualified individual to speak on economics.

How have we done this? How have we done this? How have we made IT? Oh, my, this is same. I.

because I said.

I don't know, not respond to that. I do not respond to this. What do you want me to say? These statements?

Yeah, I know.

What are do they have one? No, not going to. Am, not going to my money on night. You're gna eat.

Yeah, yeah. You're not .

though. I know how you survive. No, you be.

I just got the awesome. I have to get her day. I just got a switzerland. I have to get a shelf while five, nine, nine.

No, that's not going to happen. I go to the girls, sir.

now you won. You won't even know how to survive. This are going to be fish and bread.

I'm going fishing bread.

So what happens when you take .

something seriously serious?

Ly, no, shut. I'm done with you cause mcDonald, more threatened. dollar.

Amazon, not us and its hamburgers, there's the american airline. Ds, right? Terry, like barbecue.

Worse barbecue. Kay, third works, very constant. Lush, best. Yeah, make away love o ruby, I kh luu eleven eighty two dollars. You work there.

You know, what is that? You have to work all shift to get that. What are you getting? Beauty short.

What are you doing? Show off for all the the new Austin dudes on the hike bike gotto get out there. Show off them glues. So what I do, I get out in a mu, everyone, look at me. I got a little cheat pants.

Well, I guess I didn't need, but I wanted a new switcher.

And yes, for the ninety degree october day. They say, yeah, what do you move here? why? Why you don't want to hear short up?

Are you like me.

guys? This filly, cheetah, great shirts.

Oh yeah.

good. Another fifty doors and what to get but you get a little sweat pants for your sweat.

Show hand say, yeah, really yeah .

amazon, twenty dollars, fifteen dogs, ten thousand swipes are fine. They're good yeah the the pleasant I wear them.

I just love IT see, how do I legitimately? How do I interact with that? Are you? What are you doing right now? How do I we react to? How do I, I to react to that? Are you capable? Do people go on days with you? How do they have conversations? Or have you ever, has anyone ever enjoyed being around you? What are you? I would hope so.

I don't think so. You're possible you can have a conversation if you ever had a serious conversation in life, we ever had a discussion with a significant other, how? How do they percent things? I don't like this little thing that you do, but I like IT.

H are you? How do people get to ruin you? How survived? I have no idea.

You are a creature. I don't know, I don't know. I don't know how to do this conversation. I usually know how never game of this conversation that I don't know what do with you. I don't know to do with you.

I think， well, that is part of the reason like me, in my last signal, another broke up.

why? Because you couldn't listen to?

No, because I move a lot.

I think what I even mention there you are, you can't listen. You can't listen. And that's probably actually why you kiss me. Or what do I have to be the one of the chair today? I hate this.

what?

Yes, this is miserable. All you're impossible to get through. I have the biggest blessing in the world to have this job.

But legendary. This is miserable. All you are impossible to talk to.

You have a breakthrough. You are a big wall of try IT no, you're not. Don't use that word.

You know know the word try means you never heard of that word. So first time ever come on in, you know know what that means. I don't know what to do.

No, it's not that. It's not that. Obviously I ve thought about IT. Obviously, i've thought about IT. I'm trying to take action.

but not i'm so confused. If you don't know what the word try means, try trying to make action. Not you're not it's not reflected in these statements. I don't I don't get IT listen, you have pay over time, pet boys and dhl stuff.

Oh yeah, actually.

So not the H. L, let's done about pet boys. okay. And then you've had interesting year. Basic, a hundred dollars from one card.

Are you kidding me? You don't know how to look at a statement. You you said you looked at your documents two months ago.

Are you kidding me? Are you kidding me? Go through our budgeting program immediately.

I need you to go through a budgeting program. And our dead program is even an option interaction. Walk you down and make sure you watch that.

Take the quiz. You don't you didn't you know? You didn't know. How did you not know? And twenty hours of fees.

Okay, what was your fee? What was your fee? You had a plan fee. You had a plan fee that that was probably for the financing.

what? what?

what?

What did I finance?

Pet boys.

oh yeah.

the one we talked about .

two seconds ago, I thought I paid that off. So renting four .

hundred seventy two dollars. Last a substantial number. You should not look at your documents.

You lied. Oh my gosh. Okay, I love the city double cash card. You have abused that.

I did a baLance transfer because I thought that I was going to be able to.

oh, SHE did IT. You did the thing, you did the thing. You did the thing. You did the thing you did IT and not do that.

That's good.

Are you about because .

where where did you Better .

transfer .

from the .

what did you bring the down?

I think IT was like double. What's on there?

Probably lake, you ve .

brought IT to double. What's on?

No, no, no. So IT was double. 嘿， when you transferred from chase to city, what was the remaining baLance on the chase card?

Like forty five hundred.

really? yeah. So you have actually brought IT down. No, you brought IT up when I got what you had. great.

So did even matter? That even matter? You transfer. And then I went up. This is what they do.

This is what everyone, unless you fix the behavior that actually got you there in the first place, that IT matter. IT doesn't matter. You transfer the end more room so you spend up and have to go a day. Not.

I thought that I was gonna give myself time. Oh.

how do I go? Not well.

not well, but I really so I still have this year present. And so i'm like I can stop IT. I'm stop doing the minimum on that and then i'm paying more than the minimum on the higher one on the chase carve.

When was the last time you went on a date?

But I just break up with my boyfriend when, like two weeks ago, oh.

you have been gone on a date sense? no. Next time you do report back to me if he allows the second one, I want to know how these conversations go, how you interact with humans because this is insane.

But i'm hoping it's only insane because it's about your finances. But I don't know men, you've got a personality that I I cannot deal with. great. Okay, so we are four thousand, one hundred seventy one .

dollars and ninety nine nine cents ah sometimes sometimes for some of my flights, my dad will help me out. So it's not just .

me like me.

Yeah, you can have someone in mind. Yes.

he's that okay. Will bring you into a live stream. And we have a chubby boy named new brand don, okay? And he, can we bring a meal cook his R I mentally broken up with this girl end and he's going to finalize IT and he's ready to get back out there.

And we can see what you guys look like and how you Operate and and yeah and then we'll see if you despicable to be around. I'll do that if you guys join the membership, right? We come in for a second.

妈， 妈妈， we went to go on a date with this Young lady in a live room. Uh, yes. sure. what? not? Okay, there we go.

We will make a plan. OK good to meet you. Hi, right? All right.

Let's come on, everyone keeping in the plants, go, go to the bathroom. Figure out josh for 对。 That will be fun.

We'll do that in our membership. Make sure to join the membership link below. IT helps fund the channel as ad rates are always up and down.

Trust me, that helps us. But we have a lot of fun things where you can wash suppose shows well, that's curious. So is actually going to be I am legitimate about this.

This is a good test. So this is a good test. I want to see if you are um uh if I can like watch you have a conversation without .

one and .

upon something okay forty years find a .

handsome yeah nice smile.

good for branded okay well i'll discuss this more in the power well will take go back to find we we go in the power here is finances if I can make IT yeah is is zero percent until december .

year from now.

essentially.

Yeah, I like that card.

What is that? Because that's year percent. I'm sorry, i'm tis being me, but I do not like your personality.

Your sage of there is no word to describe you hasn't been invented. I need your bent, a real word. I just .

made that up because you .

qualify for that. You need a new word. You're been, you are a discussing bent, not disgusting, but you are bent is, bent is, I don't know, there's no words for you. What is this?

What am I looking at? What am I looking at this?

Okay, yeah, I know the world, but is this just your va o what are you?

What .

you get?

But how told of you? I'm five nine.

Okay, brand names, I inks, uh, five eleven, ours. Where are the same time?

and. Oh, the one and I send money for probably uber, probably hold on, I can't read when you. Thank you. H this is for that. This is for the um this is for the switch to interact this top one and then these I dinner, the swim trip.

What about IT or stay two .

and five dollars.

okay. So now we got into almost a thousand, has to be a thousand. Mean, you probably really spend something more on, right? Probably a little off.

And for all the swiss, I haven't. I have only bought the flight and I bought where .

we're going going to bring all your gear yeah, that's probably to cost money. Yeah, probably probably like three hundred. You look and look at me.

Brand, stand over there. You come down. Yeah, alright.

I mean, i'm going to i'm planning to save little bit for that.

Well, here's the student loans for the degree we are incapable of using. Yeah, yeah, they are all on deformed. why?

That's just .

what happened.

What did you graduate ah with my bachelor's twenty .

twenty OK? So you went to an income department so you go from you before I make no money, please? No.

I didn't put them in the.

you probably put them on income payment plan. Yes, you're like, yes, I make no money because I want to go travel the world. So please don't make me pay back the death that I signed.

That's great. I'm glad our resources are all being pulled for that. wonderful. And I every of people who are low income because there's literally no other of and they actually need so you could travel.

but technically I am no income.

yes. So you could do australia in asia is witchland in colorado and the north CarOlina in here, so you could do all this, chose that this is not meant for you, is meant for people who cannot survive, which IT should be, and now suffer because it's being chAllenged in court. And I hope they strike yours down specifically, just yours.

The rest I could go that way. I don't care. I see the person counts.

great. So not what I pay every month. No, you don't.

Yes, I do. Then maybe done, but they are okay. Well, you'll beat european, something that's not required because no, do date I don't think if you paint.

do we have a .

statement as SHE paint? It's not much. But what day does snap? okay. Yeah, how much how much a month?

I think .

maybe funny.

Six dollars .

probably are not required to. There are all the formula are being chAllenging court there.

So I don't have to pay that.

I don't know, probably not. And I would lock before you don't. This is another debt. No.

that's my that might be my column. Nope.

that's my checking. Or older, older. Caron.

yeah.

we don't have a car alone. SHE didn't say anything about a car alone. We didn't know.

You didn't tell us there's nothing. Yes, no. And I would not trust you. You are not a reliable narrator. What's your car alone for sake?

Well, what's your car?

Let's start there.

Twenty nineteen super. You cross track.

OK, I can push the car. What what 走 着呢？

I think about seventeen .

there is you kind of that. Okay, what do you get this?

Like two years ago?

I know what makes you think you can afford this.

but it's three hundred fifty .

boxes month yeah because you put the they are making so much money off you. congratulations. You are lifting the american economy the ground.

That's what you use your economic degree for. So you could just lift up the american economy by stretching out your damn card one, your long term. So long that way, your minimum payment could be lower.

So he feels affordable. But your interest is just a mila, just like your income based repayment and you paying less towards IT. Guess what? They came you like even more because body note endorse IT. What's your interest rate on here?

You have maybe five.

You don't know what you are on your phone. No, great. Do you have in? How do you be able to survive?

Are are you support about your parents or something? Have you of what does that faith? No, no.

That has, like, dad is girl, and all of that you seem like a dad is girl. Do your parent know about all this? They in your life?

I don't know. Yes, yes.

Do they know about this?

They know. Well, yeah, they know. Like what i've been doing.

Finance is good.

My d are you kidding?

Economic masses, degree. Financial advisor. Dad, what are we doing? We have failed.

Where done? Drop the nuke. This is IT. I want to give you free money. Right now. I partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them.

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money is out. Punch you. But now they're not supporting me that pays for .

my phone bill kay, that's crazy.

And then but yeah no, it's it's it's just me.

I have a roommate. Yeah okay, because there would be no option for you. okay? um. My producer said the only thing you ever said about a car was a totally car.

to have a totally car. Um, no, I have total the car, but does a while.

O okay, you.

that's why I had to get.

you are not a reliable. This is impossible. You don't know what you say.

No, I and.

Then well.

my parents told support me, but like if i'm haven't, if i'm having like a bad day or something, I just remember red .

my my sometimes. No.

it's like a gifts.

Think of like a gift that I just want on a date. And he thinks i'm a crazy. He's not going on a second day.

please. No, you know, it's like you're talking to your friend and you realize, oh like they're going through something or whatever and you get them a little treat.

It's like that figure up okay, he gets you sweat at you have a sweet street daddy.

I guess.

So what? when? How often? How much? Not that much.

why?

Maybe like once a month. what? What is he good? Yeah.

like hundred bucks.

Oh, let's all a money.

No.

it's not hundred box. You have no respect for the dollars hundred box. I could do a one hundred dollars. I can get many a sweet treat with .

hundred dollars.

I got the entire office. We change today and delivered expensive now. And I was to take a lot of money. What do. You do, but you, what's your only right, you creature.

what is in seventeen, fifty?

You have to work almost six hours to get that well. And then after the taxes you I need, you probably have to work in seven.

eight yeah.

get to work a whole day. Just that's of money. It's helpful. I just don't .

like that.

You don't have respect .

for the time.

I didn't mean what an what thing I was going to set you up to domain money. We said everyone up that we think could work the financial advisor to domain money. There are my financial advisors.

There are great. I love you. Have a dad as a financial adviser talk to him to see no about your situation like that.

I'm in that.

What does he know about your financial situation?

He knows, he knows what I am. debt. He probably doesn't know the exact number.

Do you talk on the s the probable? Should we call him the show? Maybe a potion.

O so this you got two thousand and a bad baLance. I having a checking account. Not then more. Two hundred dollars .

out of for the yeah yeah.

If you check out so much, okay, this this money back for three only spend on the credit of a credit or that is a clean inches. Yes, critical ard that has fee a is not even close to be being paid off a create card that you spent more than what you make in among the basis. I think you can only spend on a debit card.

You know know how that money works. You know know how many works. I think you can. I think you need to close your credit card. But yeah, yeah, like the point.

Do you think you've .

got more than eighty dollars and pots this month? City double cash is two points on purchases. Purchase a thousand five hundred.

Got thirty dollars and points, but the cost eight dollars and interest tough you talk about, I know how you alive close what what my .

credit card .

yeah you just you listen, you you you transferred to another credit card you about then you read the back up again yeah you don't know how to manage. You can become a credit person. You absolutely can be. You need to prove that you can like a deviate count for at least like six months, prove you have the different that you can budget that you know what you're doing yeah with your critical just you're destroy in your life it's allowed you to do the twelve hundred dollars more then you make .

some of the basis .

yeah I gave you the ability. This looks like the first there no one IT looks like you were taking the seriously no.

I can .

actually hit you IT looked .

like so I didn't realize like .

they came back the smile a little like that's.

I think I didn't realize, obviously, I didn't realize that I didn't have that money already. So I think I thought I was spending .

lesson what I was earning. Whether that 不， do you not have enough money in years of handcarts giving .

you a twelve our fee?

Just no there's a top the our fee.

Oh because because I just opened IT.

Okay maybe and also .

may include .

record keeping, administrative or purchase redemption fees.

I also have a right dire. I just .

couldn't remember .

along in about .

twelve thousand dollars. Won't that you did from where your parents had nothing to do with that? No.

what I mean, my dad invested IT for me.

Where do you get .

the money from? I just put .

IT in there like I. Where do you .

get the money from?

You find death. That a sense, since that always said.

is incredible. Yeah, probably like five years ago.

one of us contributed to significantly .

been a while.

So why are you in a Better place to twenty one than you are twenty six? What made you digress to a child?

So here's what happened. I.

hey.

everything OK. No, I put about three thousand dollars in there when I first opened IT. And when I was working for another company, I had a four one.

K was vested.

And then I had to the my dad told me that that would be a good idea to .

roll IT over. Yeah, have a little little different because the match helps. It's okay. And I I .

still contribute.

What is this thing guard for?

That's my current for one.

And it's prety thousand, six hundred, seven hours. What what's your percent of ge contribution?

I think fifteen.

What when did you start? It's so wear that there's a like, the shining little thing, and we didn't even know this. So gonna have a different.

because I can remember the past OK cool.

cool. But like, i'm so confused, or everything is so bad, yet there is this shining little thing. This must be the financial advisor part of the dead.

right? Yeah hey, I mean.

either way, it's not going to save you though if in your life outside of investments are also you know barely scraping, buying that getting .

worse yeah um I think that for a one k started.

jake thinks you might need to get your P H D in economics in order.

Remember my dream?

No, it's not. Yes, I did. You can't teach .

people why that is my dream.

And you're going to do well with a be a teacher, professor of good thing. You do not apply for jobs. Let's figure out if you have some legroom and this this here budget, let's make a budget. okay. So income we think we need to set somebody aside from um uh from that rover, we have to so i'm set in four hundred to that four hundred to side O K, O K and and not even need to be that much, but in a high al saving accounts like so far of the fifteen hundred that comes in OK, all such things you need to play catch up anyway.

But as we're planning for, like if there is a significant build, do we know we tried to budget for or we uh, get an extension and then we just pay as soon as we, but we're always safe enough for this mixture taxes. IT might be overboard for your income situation, but even still, they cause so much of that is contractor. If it's in a higher seven account, there's a little left over to get to the year.

great. You know this balus, I guess not not actually been. So we're going to do thirty five hundreds of income that payments, okay, six hundred, seventy four dollars and twenty eight cents. That's insane. What's your portion of rent?

One thousand one hundred?

Your portion is .

how much? One thousand?

One hundred forty? yeah.

Is that too .

much for you in this situation? Your portioning .

utilities, it's together, like try OK.

okay, all utilities, all utilities, you don't have a single entry payment. No OK into insurance is included. You have that part of IT.

You you don't need IT in taxes legally but should get IT. I don't have IT. I'm put in extra fifteen bucks.

okay, for renters insurance yeah shape .

but get IT your phone bill. You don't want to take care of IT when you do use helium the same R T, mobile fifteen box a month. I love them or great.

They help people when they are. Trend of budget. Guess room, room drive, drive. How much are about the basis? That's guess .

probably two hundred dollars. That's that's generous.

sure.

Concerns one forty.

not here. And this necessary food, you can do three hundred doors and gratulations. You're only going to grocery store.

You're new and single if you want to go have someone else pay for wiki for win ki I face, okay, you know what I mean? I'm also kind of joking before someone gets offended. Pro culture tp fun. Anything else you need is a hundred box could be makeup, this could be on you know womanly necessities and um you know everything else you need to .

survive. Okay, metal health care, sixty plus thirty, about nine dollars a month for medication. okay.

And then how much was IT for your health insurance? Three dollars. So ninety three. Kay, jim.

that's covered by my work.

The pets, no.

I wouldn't yet.

Okay, i'm not good. why? Because I love .

walking dogs like that's where I get my fake. K, I know, I see.

I don't want you to in your financial position. It's expensive to properly take care of them. Anything else I need to put in your budget that I do not have yet.

not that I can think of. Maybe I get emergency fun. Is that? Is that four hundred dollars?

我， four hundred.

So that's for taxis.

Never mind you. Yeah sorry, I am sorry that IT doesn't say rover free next one. Couple months, two months, two months that go to savings account, okay, so you have some baseline in case something happens, okay, i'll give you about one thousand six hundred, okay?

So first two months is on his second one. Number three, we're gonna start with. Which we need the interest in the car. We're going to attack the safe fire first. Well, actually, let's see, see how long and that takes a pay off.

I'll be about five thousand, three hundred, no more spending our cards again, I would close them for you because you're just really not responsible and take six months off. So we are nine months and the interest starts on city, but it's not back interests, I think so with that, that's okay. So I take six months pay off and the interest card gone and we actually have an actual two hundred fifty.

So we're over a thousand. What about thousand one hundred left on a market basis? And we have the city double cash, probably about three thousand eight hundred then, and we have a thousand one hundred.

We pay that off and three and a half months. So where IT we're gonna call conservatives a year and one month, kay, your car payment, your, your, your cars too much. So I want to start making some progress on that.

Your payment itself is not we can probably mum minimum monty payments on the student loans because are probably alone industry, especially for when you took them out. okay. Maybe we aggressively pay seven, seven thousand hours down on car, try to get to about ten thousand hours, then we minimum tell the face off, so let's call IT or going hard.

We're going crazy for a year and a half, okay, year and a half and then probably it's calling another half. So two years total because the second half of the second year you're saving up before, which is six months, you're living next one, okay OK. So two years and you're actually in a good spot and then you're still like one year Younger than away.

No, you'll be my age. No, you'll be one year Younger than me. So you serve a lot of life to live.

okay. We only at that point and you have a long time. And because are catch up up, your investments are still behind for your age. I am shocked by the little they came in to the author a but one i'm behind .

you only have .

fifteen thousand hours. yeah. The second, get compounding .

interest.

make great work. OK, okay, so we start contributing in twenty percent, okay, twenty percent .

for a one ky retirement to .

come to general sure for. okay.

So I like five and five at least .

take your match, what you say for your match match. We also just need to get a Better job that do you have a degree mass. They might see that you're overqualified thinking that you're gna get into german and leave IT quickly as so they might see when they see that massage degree.

That's kind of the hard part sometimes about masters um without going all the way to the P H D. Or or instead getting the methods to see while you're ready in a career gets a little complicated IT gets weird. Put yourself in a weird position, okay, but that could once speed up the process.

But to you you know are in a place where you should get a Better job at for your career that you want to do. So that's okay. But two years and you're in a basic place and you have a great rest your life.

Love popular inter. I want to actually see these applications. I want to see what you're actually doing. I want to believe .

that is not going .

to brand and gone to date with someone not apply jobs. No, I don't want him to something. Just get someone that's gna live on a couch.

So i'm not only applying on linked in, but here's my linked .

in when I wrote up link in.

I'm applying on like to regular a career career stuff and yeah just like regular websites for jobs.

a flight on website one month ago, year ago, years ago, years ago, years ago, years ago, two years ago, two years ago, two years ago, two years ago, years?

I don't know OK.

Let's see in progress, none saved to archived. Maybe that no one to accepting jobs. I can see when these were, I wish could see when these archives were. But even so, the in progress scene that there's not applied in that there's nothing sooner than one mother wouldn't have all been archived. If you're applying to at least a few a week, they wouldn't have all in archive.

You would have had one for my yesterday. No.

it's I didn't apply any other day. You get my point though, even a couple days ago something and IT was for yoga instructor is nothing on your resume to suggest anything we related to yoga?

I have a different resume.

Let me see that that's .

for my that's for like strictly yoga teacher. No, I also just remember red um i'm going home for Christmas so I need to pay for my plane to .

get home budget in in. I'm not horrifically opposed to that. Yeah but you're going you're doing front tier. You're cheap in IT up yeah and I want dad to pay for about.

what about jeffs?

You know, not doing gifs. Sm, be done. Just fts make something. You don't be stupid.

Give yourself the gift of getting out of dead set of be in the fair child. How about that? Dad would appreciate that.

Yeah.

how long does that take? The first, arise me.

because I haven't used to in a while.

You just applied for that job.

Well, I have book IT here. How about this? I'll, these are all of my resume and cover letters that I am making .

for other making.

Yes, I cater them.

H, but I won't show me when this was used last last opened list on here. I promise i'm not applying .

about applying. I definitely do not have not been applying for enough OK for .

what it's worth, you've open for of them today. The other ones were .

open weeks ago. Yes, because i'd like to use the same ones and then edit IT a little bit.

Okay OK OK, yes, I think you just need to apply more, make sure they're cared. I'm not necessarily post. I mean I am glad to do in six week you know i'm definitely pushed in your buttons but um more than six infinity.

Get a Better job, okay, because you have the degrees necessarily qualifications and you want to work a Better place that gives you the ability to get out of this quicker even though you already have the ability to do in two years if you're not just, you know putting all your ones above what the direction need. okay. So i've been a child and you can actually get there say we'll talk about the state in the power.

Maybe we will call the dad and the power, yeah we will talk more about that is going be interest because I want to see how if you're the same kind of entity, I don't know, you IT feels like you can't came down earth in the last ten minutes or so, which I appreciate feels like at least hit home. Maybe IT took a lot to break you down more than Normal, but I really, I did not like this conversation, least for the first forty minutes. You feel little Better now, spending a budget, overspent zero, other ten debt added more to that suffer.

I can give a Better than a two for your situation. Cars actually pretty bad. Okay, one urgently fun took IT all out, zero retirement, definite behind for your age.

You going to give you a for your income for where you are in everything or a real. What you said, five other ten hammer financial score rounded up up one ten guys. Make sure join the membership, join us to the post show and everything else.

It's gna be super fun where we get into all the tears. Okay, tears. T I OK make sure to budgeting and dead program. It's all twenty five percent often losing my dad, mine. Let's go to the potion .

as everyone excited for the date OK.

When is will do the live stream right after this? But we have something so horribly jy with brand. Crazy, this is happening while he is not broken up. The next tuesday is will do that if you are pro member, get onto a elite or VIP.

It's going to be while I guys .

I get that you need more financial audit. So we've decided now in ARM membership below you get too exclusive. See nowhere else on sensor audit every month.

Again, three hundred and four came in from your job. How much you think you spend twenty four? probably.

I guess I did.

Also three posters a week for every financial order you're in, right? You are youtube in the post. We have actual twenty months for every single episode. We go into 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 audit, social for every episode, priority replies to comments, custom loyalty, badgers and special channel modes for the comments section. This hammer early, if you're wanting more and that comes with everything from hammer r pro extra behind the scenes content.

J just got a delivery of a sort. A member stream every single tuesday with myself in the crew, he could break up thurday. He's already decided to five weeks ago there, a couple of weeks after her birthday.

The Christmas is like up with new years in OK day. But wonderful human guys, just wonderful, wonderful human. I do love her. SHE is a wonderful person, great person.

Wonderful, wonderful human but she's just so in me and SHE RAM but frequent private streams with me throughout every week monthly member raffles for exclusive merch and two exclusive uncensored add three financial audit its every months and then for those who only go top level there is hammer VIP which comes with everything from hammer ite and hammer pro. Whats that? Thank you.

In the pin comment of every public financial auto episode be an exclusive a tester news product were working on and a custom thank you letter for me personally melt to you after a year. Members help us maintains the ability during the up and downs s, and this helps us invest in making the main show even Better. Every 2的人。